Bank of the West 2015 Annual Report Download

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2015 ANNUAL REPORT
WELCOME

Table of contents

  • Page 1
    2015 ANNUAL REPORT WELCOME

  • Page 2
    GO WEST Our commitment is to you, our customers. Being where you need us to be when you need us most. Whether starting a business or planning for retirement, we're there. At Bank of the West, we strive each and every day to help ensure you, our customers, thrive.

  • Page 3
    ...2014 2015 TOTAL ASSETS I $ BILLIONS TOP RETAIL BANK FOR CUSTOMER SATISFACTION - Inaugural Award, MSR Group 2015 2015 BEST MOBILE BANKING STRATEGY - Global Banking Award, Retail Banker International TO OUR CLIENTS AND COMMUNITIES I am very pleased to share Bank of the West's 2015 Annual Report...

  • Page 4
    ... real estate loans, vehicle financing, credit cards PACIFIC RIM BANKING We specialize in meeting the needs of Asian and Asian American individuals and companies. With more than 180 bilingual bankers and representative offices in Chicago, New York, Tokyo and Taipei, we offer industry expertise...

  • Page 5
    ...lines of credit, performance bonds, cash management and equipment financing. By leveraging our relationship with BNP Paribas, we also equip Ceilings Plus with the global trade solutions and export-import bank services they need to succeed anywhere their business takes them. 28% SME LOAN ORIGINATION...

  • Page 6
    DEPENDABLE PACIFIC RIM BANKING Bank of the West's Pacific Rim Group has stood with Zojirushi America since they opened their doors in 1987. Our team provides an array of cash management solutions, including electronic deposit service and demand deposit accounts, as well as merchant services that ...

  • Page 7
    ... in other countries." Christine Laurens, CFO, A.T. Kearney COMMERCIAL BANKING To achieve its goal of doubling in size by 2020, A.T. Kearney sought to increase its credit facility by adding a new banking partner in 2014. They chose Bank of the West based on our understanding of their business needs...

  • Page 8
    ... Lumber Jessica Scerri is CEO of Golden State Lumber (GSL), a company her grandfather launched in 1954. What began as a small, single-location operation has now grown into four full-time lumberyards across San Francisco's Greater Bay area, plus a corporate office in Petaluma. The company will break...

  • Page 9
    ... provided by Bank of the West's Dealer Financial Services unit. These products include financing for Granger's automobile inventory through specialized floor-plan lending, cash management and commercial card products that help this local business continue to prosper. AUTO/RV/MARINE DEALERS SERVED...

  • Page 10
    ...creative expression. The company performs locally in San Francisco and spends four months each year touring cities such as New York, Chicago, Paris, Mexico City and Dublin. LINES Ballet gives back to its community through free dance education that strives to reach children who may not have access to...

  • Page 11
    ...BancWest DONALD DUGGAN Banking Services KIRSTEN GAREN Chief Information Officer SCOTT GERMER Chief Credit Officer GILLES KARPOWICZ Audit and Inspection RUSS PLAYFORD Chief Risk Officer PIERRE RAMADIER Wealth Management Group JEAN-MARC TORRE Commercial Banking Group VANESSA WASHINGTON General...

  • Page 12
    ...Group Jeremy Lamb Information Technology Stew Larsen National Finance Group Michael Lax National Finance Group Maria Lazzarini Regional Banking Group Meghan Leader Commercial Banking Group Ken McMullen Treasurer Dan Mikes Commercial Banking Group John Morris Wealth Management Group Dale Niemi Wealth...

  • Page 13
    ... First Hawaiian Bank, sister bank 155 Wacker Drive, 44th Floor Chicago, IL 60606 WEALTH CENTER LOCATIONS 12 Atlanta 3340 Peachtree Road NE, Suite 450 Atlanta, GA 30326 DALLAS Bank of the West Dallas 15950 N. Dallas Parkway, Suite 400 Dallas, TX 75248 COMMERCIAL AND CORPORATE OFFICES 85

  • Page 14
    ... shown below. Agency Moody's Standard & Poor's Fitch Rating Aa3 A A+ Tier 1 Leverage Ratio Bank of the West Q4 11.42% 14.25% 13.21% Tier 1 Risk-Based Capital Ratio Total Risk-based Capital Ratio Well-Capitalized Requirement 5.00% 6.00% 10.00% *Long-term deposit ratings As of December 31, 2015

  • Page 15
    CORPORATE ADDRESS Bank of the West is a regional financial services company chartered in California and headquartered in San Francisco with $75.7 billion in assets as of December 31, 2015. Founded in 1874, Bank of the West provides a wide range of personal, commercial, wealth management and ...