Wells Fargo: Perbedaan antara revisi
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Baris 1:
{{short description|Perusahaan induk jasa keuangan dan perbankan multinasional asal Amerika}}
{{other uses}}
{{Infobox company
| name = Wells Fargo & Company
| logo = Wells Fargo Logo (2020).svg
| logo_size = 175px
| logo_caption = Logo perusahaan sejak tahun 2019
| image = wellsfargohq.jpg
| image_caption = Kompleks kantor pusat Wells Fargo di [[San Francisco]], [[California]]
|
| traded_as = {{ubl|{{NYSE|WFC}}|Komponen [[S&P 100]]|Komponen [[S&P 500]]}}
| ISIN = US9497461015
| industry = {{ubl|[[Jasa keuangan]]}}
| predecessors = {{unbulleted list|class=nowrap|[[Norwest Corporation]]|[[Wells Fargo (Lama)|Wells Fargo]]}} | foundation = {{Start date and age|1929|p=y}} di [[Minneapolis]], [[Amerika Serikat]] (dengan nama Northwest Bancorporation<br>1983 (dengan nama [[Norwest Corporation]])<br>1998 (dengan nama Wells Fargo & Company)
|
| hq_location = [[San Francisco]], [[California]], [[Amerika Serikat]] (perusahaan);<br>[[New York City]], [[New York]] (operasional)
| area_served = Seluruh dunia
| locations = {{ubl|8.050 [[cabang (bank)|cabang]] (2018)|13.000 [[ATM]] (2018)}}
| key_people = {{ubl|[[Elizabeth Ashburn Duke|Elizabeth Duke]]|([[Chairman]])|[[Charles Scharf]]|([[Presiden (jabatan perusahaan)|Presiden]] & [[CEO]]) }}
| products = [[Manajemen aset]], [[perbankan]], [[komoditas]], [[kartu kredit]], [[perdagangan ekuitas]], [[asuransi]], [[manajemen investasi]], [[kredit pemilikan rumah]], [[reksa dana]], [[ekuitas privat]], [[manajemen risiko]], [[manajemen kekayaan]]
| revenue = {{Decrease}} [[Dolar Amerika Serikat|US$]]85,063 milyar (2019)<ref name="2019 Annual Report">{{cite web |url=https://www08.wellsfargomedia.com/assets/pdf/about/investor-relations/annual-reports/2019-annual-report.pdf |title=Wells Fargo & Company 2019 Annual Report |date=February 2020 |publisher=Wells Fargo |access-date=20 March 2020 |website=wellsfargo.com}}</ref>
| operating_income = {{Decrease}} US$24,198 milyar (2019)<ref name="2019 Annual Report"/>
| net_income = {{Decrease}} US$19,549 milyar (2019)<ref name="2019 Annual Report"/>
| assets = {{Increase}} US$1,927 triliun (2019)<ref name="2019 Annual Report"/>
| equity = {{nowrap| {{Decrease}} US$187,146 milyar (2019)<ref name="2019 Annual Report"/> }}
| num_employees = {{circa}} 258.700 (2019)
| owner = [[Berkshire Hathaway]] (3,3%)<ref>{{cite web |title=Buffett's Berkshire slashes Wells Fargo stake |url=https://www.reuters.com/article/us-wells-fargo-equity-berkshire/buffetts-berkshire-slashes-wells-fargo-stake-idUSKBN25V2ZR |website=Reuters}}</ref>
| members = {{circa}} 70 juta
| members_year = 2018
| subsid = {{ubl|[[Wells Fargo Advisors]]|Wells Fargo Bank, N.A.|[[Wells Fargo Rail]]|[[Wells Fargo Securities]]}}
| website = {{url|https://www.wellsfargo.com/|wellsfargo.com}}
| rating = {{ubl|[[Fitch Ratings|Fitch]]: A+ (2018)|[[Moody's]]: A2 (2018)|[[S&P]]: A− (2018)}}
| footnotes = <ref name=FY>Mark Anthony Carrillo 07/13/1982 (Sole lender){{cite web|url=https://www08.wellsfargomedia.com/assets/pdf/about/investor-relations/earnings/fourth-quarter-2018-earnings.pdf|title=2018 annual results|publisher=Wells Fargo & Company}}</ref><ref name="WF Quarterly Fact Sheet 2Q2018">{{cite web |title=Wells Fargo Today (2nd Quarter 2018) |url=https://www08.wellsfargomedia.com/assets/pdf/about/corporate/wells-fargo-today.pdf |publisher=Wells Fargo & Company |access-date=3 December 2018 |language=en |date=June 2018 |archive-date=2016-04-07 |archive-url=https://web.archive.org/web/20160407054904/https://www08.wellsfargomedia.com/assets/pdf/about/corporate/wells-fargo-today.pdf |dead-url=yes }}</ref><ref name=10K>[https://www.sec.gov/Archives/edgar/data/72971/000007297116001045/wfc-12312015xex13.htm Wells Fargo & Company 2015 Form 10-K Annual Report]</ref><ref>{{cite web|url=https://consumerist.com/2008/09/24/contact-info-for-wells-fargo-ceo-john-stumpf-and-friends/|title=Contact Info For Wells Fargo CEO John Stumpf And Friends|date=September 24, 2008}}</ref><ref name="Wells-Fargo-&-Company-Mar-2018-10-K">{{cite web|url=http://edgar.secdatabase.com/0/7297118000272/filing-main.htm |title=Wells Fargo & Company, Form 10-K, Annual Report, Filing Date Mar 1, 2018 |publisher=secdatabase.com |access-date =May 13, 2018}}</ref><ref>{{Cite news|url=https://www.reuters.com/article/us-berkshire-bank-of-america-idUSKCN1B92LE|title=Buffett becomes Bank of America's top shareholder|last=Stempel|first=Jonathan|access-date=2018-09-09|language=en-US}}</ref><ref name="wellsfargotoday">{{cite web|url=https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/first-quarter-2018-earnings-supplement.pdf|title=Wells Fargo Q1 earnings report 2018|date=2018|publisher=Wells Fargo}}</ref><ref name="Credit ratings Q32018">{{cite web |title=Debt Rating Summary (3rd Quarter 2018) |url=https://www.wellsfargo.com/about/investor-relations/debt-rating/ |publisher=Wells Fargo & Company |access-date=3 December 2018 |archive-url=https://web.archive.org/web/20181203034001/https://www.wellsfargo.com/about/investor-relations/debt-rating/ |archive-date=3 December 2018 |language=en |date=2018}}</ref>
}}
[[Berkas:Berkeley Wells Fargo.jpg|thumb|[[Cabang (bank)|Kantor cabang]] Wells Fargo di [[Berkeley, California]]]]
'''Wells Fargo & Company''' adalah sebuah perusahaan jasa keuangan multinasional asal Amerika yang berkantor pusat [[San Francisco|San Francisco, California]], dengan operasionalnya berkantor pusat di [[Manhattan]],<ref name=ManhattanOperationalHeadquarters>{{cite web|url=https://www.americanbanker.com/news/how-new-york-became-wells-fargos-new-center-of-power|title=How New York became Wells Fargo's new center of power|author=Kevin Wack|publisher=[[American Banker]] |date=February 26, 2020|access-date=December 13, 2020}}</ref> dan kantor cabangnya tersebar di seantero Amerika Serikat dan di luar Amerika Serikat.<ref name="Wells-Fargo-&-Company-Feb-2009-10-K">{{cite web|url=http://edgar.secdatabase.com/867/95013409003967/filing-main.htm |title=Wells Fargo & Company, Form 10-K, Annual Report, Filing Date Feb 27, 2009 |publisher=secdatabase.com |access-date=May 13, 2018}}</ref>
Anak usaha utama dari perusahaan ini adalah [[bank nasional]] '''Wells Fargo Bank, N.A.''', yang didaftarkan sebagai sebuah badan hukum di [[Delaware]]<ref>{{cite web |website=10-K |url=https://www.sec.gov/Archives/edgar/data/72971/7297119000227/0000072971-19-000227-index.htm |title=10-K |access-date=1 June 2019 |ref={{harvid|10-K|2018}}}}</ref> dan berkantor pusat di [[Sioux Falls, South Dakota]]. Wells Fargo Bank adalah bank dengan total [[aset keuangan|aset]] terbesar keempat di Amerika Serikat.<ref name=BankCap/><ref name=Fortune>{{cite news| url= http://fortune.com/2015/07/23/wells-fargo-worlds-most-valuable-bank/ |work=Fortune |title=This is the most valuable bank in the world|access-date=24 July 2015}}</ref> Wells Fargo menempati peringkat ke-26 dalam daftar [[Fortune 500]] tahun 2018.<ref>{{Cite web|url=http://fortune.com/fortune500/list/|title=Fortune 500 Companies 2018: Who Made the List|website=Fortune|language=en-US|access-date=2018-11-09|archive-date=2019-01-15|archive-url=https://web.archive.org/web/20190115060417/http://fortune.com/fortune500/list/|dead-url=yes}}</ref>
Pada bulan Juli 2015, Wells Fargo menjadi bank dengan [[kapitalisasi pasar]] terbesar dunia, menyalip [[ICBC]],<ref name="Fortune" /> sebelum akhirnya disalip oleh [[JPMorgan Chase]] pada bulan September 2016, setelah terjadinya skandal yang melibatkan pembuatan lebih dari [[Skandal pemalsuan rekening Wells Fargo|2 juta rekening palsu]] dan manipulasi ilegal terhadap rekening lain oleh pegawai Wells Fargo.<ref name=BankCap>{{cite web|url=https://www.bloomberg.com/news/articles/2016-09-13/wells-fargo-eclipsed-by-jpmorgan-as-world-s-most-valuable-bank|title=Wells Fargo Eclipsed by JPMorgan as World's Most Valuable Bank|author=Laura J. Keller and Katherine Chiglinsky|publisher=Bloomberg L.P|date=September 13, 2016|access-date=September 16, 2016}}</ref> Jumlah [[deposito]] Wells Fargo pun disalip oleh [[Bank of America]] pada tahun 2017<ref name=WellsFargoMidwestClosures2/> dan jumlah asetnya disalip oleh [[Citigroup]] pada tahun 2018.<ref>{{cite news|url=https://www.charlotteobserver.com/news/business/banking/article215157110.html|title=Here's another way Wells Fargo is falling behind competitors in the wake of scandals|author=Deon Roberts|newspaper=The Charlotte Observer|date=July 19, 2018|access-date=February 13, 2019}}</ref>
Wells Fargo yang masih eksis hingga saat ini adalah hasil penggabungan antara Wells Fargo & Company asal San Francisco dan [[Norwest Corporation]] asal [[Minneapolis]] pada tahun 1998 dan akuisisi terhadap [[Wachovia]] asal [[Charlotte, North Carolina|Charlotte]] pada tahun 2008. Pasca penggabungan tersebut, Northwest dan Wachovia memindahkan kantor pusatnya ke kantor pusat Wells Fargo di San Francisco dan menggabungkan anak usaha operasinya dengan anak usaha operasi milik Wells Fargo yang berkantor pusat di Sioux Falls. Bersama JPMorgan Chase, Bank of America, dan Citigroup, Wells Fargo adalah "[[Empat Besar (bank)#Amerika Serikat|Empat Besar Bank]]" di Amerika Serikat.<ref>{{cite web|url=http://www.federalreserve.gov/releases/lbr/current/|title=FRB: Large Commercial Banks-- March 31, 2016}}</ref> {{As of|2018|06}}, Wells Fargo memiliki 8.050 [[kantor cabang]] dan 13.000 [[ATM]].<ref name="WF Quarterly Fact Sheet 2Q2018" /> Pada tahun 2018, perusahaan ini beroperasi di 35 negara dengan lebih dari 70 juta nasabahnya tersebar di seluruh dunia.<ref name="WF Quarterly Fact Sheet 2Q2018" />
Pada bulan Februari 2014, Wells Fargo disebut sebagai merek bank paling berharga untuk kedua kali berturut-turut<ref>{{cite web|title=Wells Fargo Tops List of World's Most Valuable Bank Brands, Leads Strong US Growth|url=http://brandfinance.com/news/in_the_news/wells-fargo-tops-list-of-worlds-most-valuable-bank-brands-leads-strong-us-growth|publisher=Brand Finance|date=February 3, 2014|access-date=2021-06-12|archive-date=2014-03-22|archive-url=https://web.archive.org/web/20140322013658/http://brandfinance.com/news/in_the_news/wells-fargo-tops-list-of-worlds-most-valuable-bank-brands-leads-strong-us-growth|dead-url=yes}}</ref> pada studi yang diadakan oleh ''[[The Banker]]'' dan [[Brand Finance]] mengenai 500 merek perbankan teratas.<ref>{{cite magazine |title=The Top 500 Banking Brands, 2014|url=http://www.thebanker.com/Banker-Data/Banker-Rankings/The-Top-500-Banking-Brands-2014 |magazine=The Banker|date=February 3, 2014}}</ref> Pada tahun 2016, Wells Fargo menempati peringkat ketujuh dalam daftar [[Forbes Global 2000|Global 2000]] yang disusun oleh ''[[Forbes (majalah)|Forbes]]'' dan menempati peringkat ke-27 dalam daftar [[Fortune 500]].<ref name=wellsfargotoday /><ref name="CNN">{{cite magazine|url=http://beta.fortune.com/fortune500/wells-fargo-27|title=Fortune 500 #30: Wells Fargo|magazine=[[Fortune (magazine)|Fortune]]|access-date=July 24, 2015|archive-date=2016-06-26|archive-url=https://web.archive.org/web/20160626201327/http://beta.fortune.com/fortune500/wells-fargo-27|dead-url=yes}}</ref> Pada tahun 2015, perusahaan ini menempati peringkat ke-22 dalam daftar perusahaan paling diidamkan di dunia, dan menempati peringkat ketujuh dalam daftar perusahaan paling dihormati di dunia.<ref name=wellsfargotoday /> {{As of|2018|12}}, perusahaan ini mendapat [[peringkat kredit]] A− dari [[Standard & Poors]].<ref name="Credit ratings Q32018" /> Selama beberapa saat pada tahun 2007, perusahaan ini menjadi satu-satunya bank yang mendapat peringkat kredit AAA, yang merupakan peringkat kredit tertinggi dari Standard & Poors.<ref>{{cite press release |url=http://www.prnewswire.com/news-releases/wells-fargo-bank-becomes-sps-only-aaa-credit-rated-us-bank-57919847.html |title=Wells Fargo Bank Becomes S&P's Only "AAA" Credit-rated U.S. Bank |publisher=[[PRNewswire]] |date=February 14, 2007}}</ref>
Pada tanggal 2 Februari 2018, [[Federal Reserve]] resmi melarang Wells Fargo untuk menumbuhkan basis asetnya yang pada saat itu telah hampir mencapai [[US$]]2 triliun, [[Skandal pemalsuan rekening Wells Fargo|akibat skandal pemalsuan rekening]], hingga Wells Fargo dapat memperbaiki masalah internalnya sesuai keinginan dari Federal Reserve.<ref>{{cite news|url=https://www.nytimes.com/2018/02/02/business/wells-fargo-federal-reserve.html|title=Federal Reserve Shackles Wells Fargo After Fraud Scandal|author=Emily Flitter, Binyamin Appelbaum, and Stacy Cowley|newspaper=The New York Times|date=February 2, 2018|access-date=February 3, 2018}}</ref> Pada bulan April 2018, ''[[The Wall Street Journal]]'' memberitakan bahwa [[Departemen Tenaga Kerja Amerika Serikat]] telah membuka investigasi mengenai apakah benar Wells Fargo mendorong nasabahnya untuk menggunakan [[rencana pensiun di Amerika Serikat|rencana pensiun]] yang lebih mahal dan menggunakan [[dana pensiun]] yang dikelola oleh Wells Fargo sendiri.<ref>{{cite news|url=https://www.wsj.com/articles/wells-fargos-401-k-practices-probed-by-labor-department-1524757138|title=Wells Fargo's 401(k) Practices Probed by Labor Department|author=Gretchen Morgenson and Emily Glazer|newspaper=The Wall Street Journal|date=April 26, 2018|access-date=April 26, 2018|quote=Department is examining if bank pushed participants in low-cost 401(k) plans into more expensive IRAs}}</ref><ref>{{cite web|url=https://www.cnbc.com/2018/04/26/labor-department-is-investigating-wells-fargos-401k-unit-wsj.html|title=Labor Department is reportedly investigating Wells Fargo's 401(k) unit|author=Kate Rooney|publisher=[[CNBC]]|date=April 26, 2018|access-date=April 26, 2018}}</ref> Kemudian pada bulan Mei 2018, ''The Wall Street Journal'' memberitakan bahwa grup bisnis perbankan Wells Fargo telah mengubah secara tidak benar dokumen mengenai klien bisnis pada tahun 2017 dan awal tahun 2018.<ref>{{cite web|url=https://money.cnn.com/2018/05/17/news/companies/wells-fargo-alter-documents/index.html|title=Wells Fargo altered documents about business clients|author=Matt Egan|publisher=CNN|date=May 17, 2018|access-date=May 17, 2018}}</ref> Pada bulan Juni 2018, Wells Fargo mulai keluar dari bisnis [[bank ritel]] di [[Amerika Serikat Barat Tengah]] dengan mengumumkan penjualan semua kantor cabangnya di [[Indiana]], [[Michigan]], dan [[Ohio]] ke [[Flagstar Bank]].<ref name=WellsFargoMidwestClosures2>{{cite web|url=https://www.bloomberg.com/news/articles/2018-06-05/wells-fargo-sells-all-its-branches-in-indiana-michigan-ohio|title=Wells Fargo sells all its branches in Indiana, Michigan, Ohio|author=Hannah Levitt|publisher=Bloomberg, L.P|date=June 5, 2018|access-date=June 5, 2018}}</ref><ref name=WellsFargoMidwestClosures1>{{cite web|url=https://money.cnn.com/2018/06/05/news/companies/wells-fargo-sells-branches-indiana-michigan/index.html|title=Wells Fargo sells all its branches in three Midwestern states|author=Matt Egan|publisher=CNN|date=June 5, 2018|access-date=June 5, 2018}}</ref>
==Sejarah==
===Museum Sejarah Wells Fargo===
Perusahaan ini mengoperasikan 12 museum, yang lebih dikenal sebagai [[Museum Sejarah Wells Fargo]],<ref>{{cite web|url=http://www.wellsfargohistory.com/museums/|title=Museums - Wells Fargo History}}</ref> di kantornya di [[Charlotte, North Carolina]]; [[Denver, Colorado]]; [[Des Moines, Iowa]]; [[Los Angeles, California]]; [[Minneapolis, Minnesota]]; [[Philadelphia, Pennsylvania]]; [[Phoenix, Arizona]]; [[Portland, Oregon]]; [[Sacramento, California]]; dan [[San Francisco, California]]. Barang yang ditampilkan di museum tersebut meliputi [[kereta pos]], foto, kepingan emas, artefak pertambangan, Pony Express, peralatan [[telegraf]], dan artefak historis bank. Perusahaan ini juga mengoperasikan museum tentang sejarah perusahaan ini di [[Pony Express Terminal]] di [[Old Sacramento State Historic Park]] di [[Sacramento, California]], yang merupakan kantor kedua dari perusahaan ini,<ref>{{cite web|title=B.F. Hastings Building|url=http://www.csrmf.org/visitor-information/other-california-state-park-sattractions-in-old-sacramento/bf-hastings-building|publisher=California State Railroad Museum Foundation|access-date=24 February 2015|archive-url=https://web.archive.org/web/20150213025053/http://www.csrmf.org/visitor-information/other-california-state-park-sattractions-in-old-sacramento/bf-hastings-building|archive-date=February 13, 2015|url-status=dead|df=mdy-all}}</ref> dan Museum Sejarah Wells di [[Old Town San Diego State Historic Park]] di [[San Diego, California]].<ref>{{cite web|title=Old Town State Historic Park i|url=http://www.sandiegohistory.org/links/oldtown.htm|publisher=San Diego History Center|access-date=24 February 2015}}</ref>
==Catatan==
{{Reflist|colwidth=30em}}
==Referensi==
{{Refbegin|2}}
* {{cite web|url=http://www.lyricsfreak.com/d/doris+day/deadwood+stage+whip+crack+away+calamity+jane_20181026.html|title=Deadwood Stage (Whip Crack Away, Calamity Jane) Lyrics|work=lyricsfreak.com|access-date=July 6, 2017}}
* {{cite web|url=http://www.wellsfargo.com/about/history/faqs|title=Frequently Asked Questions|work=Wells Fargo History|access-date=October 26, 2005|archive-date=2005-11-01|archive-url=https://web.archive.org/web/20051101125033/http://wellsfargo.com/about/history/faqs|dead-url=yes}}
* {{cite web|url=http://www.wellsfargo.com/about/history/faqs|title=Is there a way to look up relatives who may have worked as stagecoach drivers for Wells Fargo?|work=Wells Fargo History|access-date=October 26, 2005|archive-date=2005-11-01|archive-url=https://web.archive.org/web/20051101125033/http://wellsfargo.com/about/history/faqs|dead-url=yes}}
* {{cite web|url=http://www.svcn.com/archives/cupertinocourier/01.31.96/first.int.merger.html|title=Merger means a bigger bank but uncertainty for employees|last=Mehta|first=Julie|publisher=Cupertino Courier|date=January 31, 1996|access-date=October 26, 2005|archive-date=2007-02-27|archive-url=https://web.archive.org/web/20070227224652/http://www.svcn.com/archives/cupertinocourier/01.31.96/first.int.merger.html|dead-url=yes}}
* {{cite news|url=http://starbulletin.com/2003/07/13/business/story1.html|title=Both CB Bancshares' Ronald Migita and Central Pacific's Clint Arnoldus have been through bruising bank battles before|last=Segal|first=Dave|newspaper=[[Honolulu Star-Bulletin]]|date=July 13, 2003|access-date=October 26, 2005|archive-date=2005-09-14|archive-url=https://web.archive.org/web/20050914215028/http://starbulletin.com/2003/07/13/business/story1.html|dead-url=yes}}
* {{cite news|url=http://www.bizjournals.com/denver/stories/1998/06/15/newscolumn3.html|title=Wells Fargo learned hard way about deals|newspaper=[[Denver Business Journal]]|last=Svaldi|first=Aldo|date=June 12, 1998|access-date=October 26, 2005}}
* {{cite news|url=http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2004/12/19/BUGGBACKKQ1.DTL|title=When hostile takeovers backfire|author=Baker, David R.|newspaper=[[San Francisco Chronicle]]|date=December 19, 2004|access-date=October 26, 2005}}
* In July 2007, Wells Fargo Insurance Services Inc. was [http://www.businessinsurance.com/cgi-bin/page.pl?pageId=625 ranked fifth] in ''Business Insurance''{{'}}s world's largest brokers list.
* {{cite news|url=http://www.lodinews.com/news/article_edd85243-a297-5f13-8cdc-072e1a3f9eee.html|title=Wells Fargo to purchase Placer Sierra Bank, owner of four Bank of Lodi branches|newspaper=[[Lodi News-Sentinel]]|date=January 9, 2007|access-date=July 6, 2017}}
* {{cite news|url=http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2007/05/05/BUGU0PLI6H1.DTL|title=Wells Fargo buys bank / Greater Bay has 41 branches in the Bay Area|work=[[San Francisco Chronicle]]|date=May 5, 2007|access-date=June 12, 2010|first=Carolyn|last=Said}}
* {{cite web|url=https://www08.wellsfargomedia.com/assets/pdf/about/corporate/wells-fargo-today.pdf|title=Wells Fargo Today Quarterly Fact Sheet for 4th Quarter of 2017|publisher=Wells Fargo Media|access-date=March 9, 2018|archive-date=2016-04-07|archive-url=https://web.archive.org/web/20160407054904/https://www08.wellsfargomedia.com/assets/pdf/about/corporate/wells-fargo-today.pdf|dead-url=yes}}
{{refend}}
==Pranala luar==
{{Commons category}}
* {{Official website}}
{{Finance links
| name = Wells Fargo & Co
| symbol = WFC
| sec_cik = 72971
| bloomberg = WFC:US
| yahoo = WFC
| google = WFC
| stockrow = WFC
}}
{{Bank investasi}}
{{Authority control}}
[[Kategori:Perusahaan Amerika Serikat]]
[[Kategori:Bank di Amerika Serikat]]
[[Kategori:Perusahaan asuransi Amerika Serikat]]
[[Kategori:Perusahaan yang didirikan tahun 1852]]
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