Bankin Amurka

Bankin Amurika

baban bankin Amurka

Bankin Amurka Corporation (wanda aka fi sani da BofA ko BoA) wani banki ne na saka hannun jari na kasa da kasa na Amurka da sabis na kudi wanda ke da hedikwata a Cibiyar Babban Bankin Amurka a Charlotte, North Carolina, tare da bankin saka hannun jari da hedkwatar taimako a Manhattan. An kafa bankin ne ta hanyar hadewar NationsBank da Bank of America a cikin 1998. Ita ce cibiyar banki ta biyu mafi girma a Amurka kuma banki na biyu mafi girma a duniya ta hanyar babban kasuwa, duka bayan JPMorgan Chase. Bankin Amurka yana ɗaya daga cikin manyan cibiyoyin banki na Amurka. Yana hidima kusan kashi 10 cikin 100 na duk ajiyar banki na Amurka, a cikin gasa kai tsaye tare da JPMorgan Chase, Citigroup, da Wells Fargo. Babban hidimomin sa na kuɗi sun haɗa da banki kasuwanci, sarrafa dukiya, da bankin saka hannun jari.

Ta hanyar haɗe-haɗe, za a iya gano mafi tsufa reshe na ikon mallakar ikon mallakar bankin Amurka zuwa 1784, lokacin da aka yi hayar bankin Massachusetts, bankin haɗin gwiwar hannun jari na farko na tarayya a Amurka. Wani reshe na tarihinsa yana komawa zuwa bankin Italiya na Amurka, wanda Amadeo Pietro Giannini ya kafa a 1904, wanda ya ba da zaɓuɓɓukan banki daban-daban ga baƙi Italiya waɗanda suka fuskanci wariyar sabis. Asalin hedkwatarsa ​​a San Francisco, California, Giannini ya sami Banca d'America e d'Italia, a cikin 1922.

shekarun 1950, nassi na dokokin banki na tarayya mai ban sha'awa ya sauƙaƙe haɓaka cikin sauri, da kafa babban rabon kasuwa cikin sauri. Bayan fama da babbar asara bayan 1998 na haɗin kai na Rasha, BankAmerica, kamar yadda aka sani a lokacin, Bankin Nations na Charlotte ya samu akan dalar Amurka biliyan 62. Bayan abin da ya kasance mafi girma a banki a tarihi, an kafa Bankin Amurka Corporation. Ta hanyar jerin haɗe-haɗe da saye, ta gina kan kasuwancin kasuwancinta ta hanyar kafa Merrill Lynch don sarrafa dukiya da Bankin Amurka Merrill Lynch don bankin saka hannun jari a 2008 da 2009, bi da bi, kuma tun lokacin da aka sake masa suna BofA Securities.

Dukansu Bankin Amurka da Merrill Lynch Wealth Management suna riƙe babban hannun jari a cikin abubuwan da suke bayarwa. Ana ɗaukar bankin saka hannun jari a cikin "Bulge Bracket" a matsayin babban bankin saka hannun jari na uku a duniya, tun daga shekarar 2018. Bangaren sarrafa dukiyar sa yana sarrafa dalar Amurka tiriliyan 1.081 a cikin kadarorin da ke ƙarƙashin gudanarwa (AUM) a matsayin mai sarrafa dukiya na biyu a duniya. bayan UBS. A cikin banki na kasuwanci, Bankin Amurka yana aiki, amma ba lallai ba ne ya kula da rassan dillalai a duk jihohi 50 na Amurka, Washington, D.C., da wasu ƙasashe sama da 40. Sawun sawun kasuwancin sa na kasuwanci ya ƙunshi mabukaci miliyan 46 da ƙananan alaƙar kasuwanci a cibiyoyin banki 4,600 da na'urori masu sarrafa kansa 16,000 (ATMs).

Babban rabon kasuwa na bankin, ayyukan kasuwanci, da tasirin tattalin arziki ya haifar da ƙararraki da bincike da yawa game da jinginar gidaje da bayanan kuɗi tun daga rikicin kuɗi na 2008. Ayyukanta na kamfanoni na hidima ga masu matsakaicin matsayi da kuma faffadan al'ummar banki sun ba da babban rabon kasuwa tun farkon karni na 20. Tun daga watan Agusta 2018, Bankin Amurka yana da jarin kasuwa na dala biliyan 313.5, wanda ya sa ya zama kamfani na 13 mafi girma a duniya. A matsayinsa na shida mafi girma na kamfanin jama'a na Amurka, ya sami $102.98 biliyan a tallace-tallace tun daga watan Yuni 2018. Bankin Amurka ya kasance lamba na 25 akan martabar Fortune 500 na 2020 na manyan kamfanoni na Amurka ta hanyar jimlar kudaden shiga. Hakanan, Bankin Amurka shima yana matsayi na 6 akan kimar 2023 ta Duniya ta 2000 da Forbes ta yi. Bankin Amurka ya kasance mai suna "Mafi kyawun Bankin Duniya" ta Euromoney Institutional Investor a cikin Kyautar Kyauta ta 2018.

Tarihi

Wanna Banban Bankin Amurka, Los Angeles an kafa shi a California a cikin 1923. A cikin shekara ta 1928, Bankin Italiya na San Francisco ya sami wannan kamfani, wanda shine ya ɗauki sunan Bankin Amurka shekaru biyu da suka wuce bayan haka.

Za a iya gano ɓangaren gabas na ikon mallakar bankin Amurka zuwa 1784, lokacin da aka yi hayar bankin Massachusetts, bankin haɗin gwiwar hannun jari na farko na tarayya wanda ke hayar a Amurka kuma banki na biyu ne kawai don karɓar haya a Amurka. Wannan banki ya zama FleetBoston, wanda Bankin Amurka ya haɗu da shi a cikin 2004. A cikin 1874, Babban Bankin Kasuwanci ya kafa a Charlotte. Wannan bankin ya haɗu da Kamfanin Amincewar Amurka a cikin 1958 don kafa Bankin Kasuwancin Amurka. Shekaru biyu bayan haka ya zama Bankin Kasa na Arewacin Carolina lokacin da ya haɗu da Babban Bankin Tsaro na Greensboro. A cikin 1991, ta haɗu tare da C&S/Sovran Corporation na Atlanta da Norfolk don ƙirƙirar NationsBank.

Babban ɓangaren ikon mallakar ikon mallakar ikon mallakar ikon mallakar ikon mallakar ikon mallakar kamfani ya kasance zuwa 1910, lokacin da Babban Bankin Kasuwanci da Babban Bankin Ƙasa na Chicago suka haɗu a cikin 1910 don samar da Bankin Ƙasa da Kasuwanci, wanda ya samo asali zuwa Bankin Ƙasa na Illinois na Continental & Trust.

Bankin Amurka

 

Amadeo Giannini, wanda ya kafa Bankin Italiya, a cikin 1927

Tarihin Bankin Amurka ya koma Oktoba 17, 1904, lokacin da Amadeo Pietro Giannini (1870-1949) ya kafa Bankin Italiya, a San Francisco. A cikin 1922, Bankin Amurka, Los Angeles an kafa shi tare da Giannini a matsayin mai saka hannun jari marasa rinjaye. Bankunan biyu sun haɗu a cikin 1928 kuma sun haɗu tare da sauran hannun jari don ƙirƙirar abin da zai zama babbar cibiyar banki a ƙasar.

A cikin 1918, wani kamfani, Bancitaly Corporation, A.P. Giannini ya shirya, wanda shine babban mai hannun jari wanda shine Kamfanin Auxiliary Stockholders. Wannan kamfani ya sami hannun jari na bankuna daban-daban da ke cikin birnin New York da wasu ƙasashen waje.

, A cikin 1928, Giannini ya haɗa bankinsa da Bankin Amurka, Los Angeles, wanda Orra E. Monnette ke jagoranta. An canza sunan Bankin Italiya a ranar 3 ga Nuwamba, 1930, zuwa Bankin Amintattun Kasa da Savings na Bankin Amurka, wanda shine kawai irin wannan banki da aka keɓe a Amurka a lokacin. Giannini da Monnette sun jagoranci kamfanin da aka samu, suna aiki a matsayin kujeru.

Faɗakarwa a California

Shigarwa zuwa Bankin Amurka a San Francisco a 1943

Giannini ya gabatar da bankin reshe jim kadan bayan dokar 1909 a California ta ba da izinin yin bankin reshe a jihar, wanda ya kafa reshe na farko na bankin a wajen San Francisco a 1909 a San Jose. Ya zuwa 1929 bankin yana da ofisoshin banki 453 a California tare da jimillar albarkatun sama da dalar Amurka biliyan 1.4. Akwai kwafin bankin reshen bankin Italiya na 1909 a cikin Tarihi Park a San Jose, kuma Ginin Bankin Italiya na 1925 muhimmin alamar gari ne. Giannini ya nemi gina bankin kasa, wanda zai fadada zuwa galibin jihohin yamma da kuma masana'antar inshora, a karkashin inuwar kamfaninsa na Transamerica Corporation.

A cikin 1953 masu mulki sun yi nasarar tilasta wa rabuwar Kamfanin Transamerica da Bank of America a ƙarƙashin Dokar Clayton Antitrust Act. Ƙaddamar da Dokar Kamfanoni na Banki na 1956 ta haramtawa bankunan mallakar wasu rassan da ba na banki ba kamar kamfanonin inshora. Bankin Amurka da Transamerica sun rabu, tare da kamfanin na ƙarshe ya ci gaba da kasancewa cikin sashin inshora. Duk da haka, masu kula da bankunan tarayya sun haramta ayyukan banki na Bankin Amurka, kuma bankunan cikin gida na Bankin Amurka da ke wajen California an tilasta su shiga wani kamfani na daban wanda daga bisani ya zama First Interstate Bancorp, daga baya Wells Fargo da Kamfanin ya samu a 1996. Sai kawai a cikin 1980s, tare da Canji a cikin dokoki da ka'idoji na banki na tarayya, zai iya Bankin Amurka ya sake fadada ayyukan banki na cikin gida a wajen California.

Sabbin fasahohin kuma sun ba da damar haɗa katunan kuɗi kai tsaye tare da asusun banki ɗaya. A cikin 1958, bankin ya gabatar da BankAmericard, wanda ya canza suna zuwa Visa a 1977. Haɗin gwiwar ƙungiyoyin katunan banki na yanki sun gabatar da Interbank a 1966 don yin gogayya da BankAmericard. Interbank ya zama Master Charge a 1966 sannan Mastercard a 1979.

Daga Fabrairu 1970 zuwa Satumba 1971, an kai hare-hare 66 a kan rassan Bankin Amurka a California, ciki har da tashin bama-bamai 53 ko tashin bama-bamai, da gobara 13. An samu ‘yan raunata kadan’ kuma asarar kadarorin ta kai kusan dala 500,000, kashi hudu cikin biyar na abin da ya faru ne daga kona reshen Isla Vista a lokacin wata tarzoma a watan Fabrairun 1970.

fadadawa a waje da California

Alamar Bankin Amurka daga 1969 zuwa 1998

Bankin Amurka Hasumiya, hedikwatar ayyukan banki na saka hannun jari na Bankin Amurka, wanda aka gani daga Bryant Park a Midtown Manhattan, a cikin 2015

Bayan zartar da Dokar Kamfanoni na Banki na 1956 ta Majalisar Wakilan Amurka, BankAmerica Corporation an kafa shi don maƙasudin mallaka da gudanar da Bankin Amurka da rassansa.

A cikin 1983, Bankin Amurka ya faɗaɗa waje da California, ta hanyar siye, wanda Stephen McLin na Kamfanin Seafirst Corporation a Seattle ya shirya, da kuma cikakken mallakarsa na banki, Babban Bankin Ƙasa na Seattle-First. Seafirst dai na cikin kasadar kamawa daga gwamnatin tarayya bayan da ta samu rashin kudi saboda wasu rancen rancen da aka baiwa masana'antar mai. BankAmerica ya ci gaba da aiki da sabon reshensa a matsayin Seafirst maimakon Bankin Amurka har zuwa 1998 hade da NationsBank.

Bankin Amurka ya sami babban asara a cikin 1986 da 1987 saboda sanya jerin munanan lamuni a duniya ta uku. Kamfanin ya kori Shugaban Kamfanin Sam Armacost, a cikin 1986. Ko da yake Armacost ya dora alhakin matsalolin a kan magabacinsa, A.W. (Tom) Clausen, an nada Clausen ya maye gurbin Armacost. Asarar da aka samu ya haifar da koma baya na hannun jari na BankAmerica, wanda ya sa ya zama mai rauni ga cin zarafi. First Interstate Bancorp na Los Angeles (wanda ya samo asali daga bankunan da BankAmerica ke da shi), ya ƙaddamar da irin wannan tayin a cikin faɗuwar 1986, kodayake BankAmerica ta ƙi shi, galibi ta hanyar siyar da ayyuka. Ta sayar da reshenta na FinanceAmerica ga Chrysler da kamfanin dillali Charles Schwab da Co. baya ga Mista Schwab. Ya kuma sayar da Bankin Amurka da Italiya ga Deutsche Bank. A lokacin hadarin kasuwa na 1987, farashin hannun jari na BankAmerica ya fadi zuwa $ 8, amma a shekara ta 1992 ya sake dawowa da karfi don zama daya daga cikin manyan masu cin nasara na wannan rabin shekaru. [abubuwan da ake bukata]

Babban saye na gaba na BankAmerica ya zo ne a cikin 1992. Kamfanin ya sami Tsaron Pacific Corporation da reshensa na Babban Bankin Tsaro na Pacific a California da sauran bankunan a Arizona, Idaho, Oregon, da Washington, wanda Tsaron Pacific ya samu a jerin saye-saye a ƙarshen 1980s. . Wannan yana wakiltar, a lokacin, mafi girman mallakar banki a tarihi. Hukumomin tarayya, duk da haka, sun tilasta siyar da kusan rabin sashin Tsaro na Pacific na Washington, tsohon Bankin Rainier, kamar yadda haɗin Seafirst da Tsaro na Pacific Washington zai baiwa BankAmerica babban kaso na kasuwa a wannan jihar. An rarraba rassan Washington kuma an sayar da su zuwa West One Bancorp (yanzu U.S. Bancorp) da KeyBank. Daga baya waccan shekarar, BankAmerica ya fadada zuwa Nevada ta hanyar samun Bankin Valley na Nevada.

A cikin 1994, BankAmerica ta sami Babban Bankin Ƙasar Illinois na Continental da Trust Co. na Chicago. A lokacin, babu wani banki da ya mallaki albarkatun da za a iya ceto na Continental, don haka gwamnatin tarayya ta tafiyar da bankin na kusan shekaru goma. Illinois sannan ta tsara bankin reshe sosai, don haka Bankin Amurka Illinois banki ne mai raka'a har zuwa karni na 21. BankAmerica ya matsar da sashen ba da lamuni na kasa zuwa Chicago a kokarinsa na kafa bakin tekun kudi a yankin.

Wadannan haɗe-haɗe sun taimaka wa Kamfanin BankAmerica ya sake zama kamfani mafi girma na banki na Amurka dangane da adibas, amma kamfanin ya fadi zuwa matsayi na biyu a 1997 a bayan North Carolina ta NationsBank Corporation mai saurin girma, kuma zuwa na uku a 1998 a bayan First Union Corp..

A gefen kasuwannin babban birnin kasar, sayen Continental Illinois ya taimaka wa BankAmerica don gina tushen kuɗin kuɗi da kuma kasuwancin rarrabawa, wanda ya ba da izinin dillalan dillali na kamfanin, BancAmerica Securities (wanda aka fi sani da BA Securities), ya zama ikon ikon mallakar cikakken sabis. Bugu da kari, a cikin 1997, BankAmerica ya samu Robertson Stephens, wani bankin saka hannun jari na tushen San Francisco wanda ya kware kan manyan fasaha akan dala miliyan 540. Robertson Stephens an haɗa shi cikin BancAmerica Securities, kuma haɗin haɗin gwiwar an sake masa suna "BancAmerica Robertson Stephens".

Haɗuwa da Bankin Kasashe da Bankin Amurka

Alamar Bankin Amurka da aka yi amfani da ita daga 1998 zuwa 2018

1997, BankAmerica ya ba da rancen kamfanin sarrafa saka hannun jari D.E. Shaw & Co. Dala biliyan 1.4 don gudanar da kasuwanci daban-daban na bankin. Duk da haka, D.E. Shaw ya sha wahala mai yawa bayan rashin haɗin gwiwa na 1998 na Rasha. Bankin NationsBank na Charlotte ya sami Bankin Amurka a cikin 1998 a cikin abin da ya kasance mafi girma na banki a tarihi a wancan lokacin.

Yayin da NationsBank ya kasance wanda ya tsira, bankin da ya haɗu ya ɗauki sanannun sunan Bankin Amurka. Don haka, an canza wa kamfanin suna Bank of America Corporation, yayin da NationsBank, N.A. ya haɗu da Bank of America NT&SA don kafa Bankin Amurka, N.A. a matsayin sauran bankin doka. Babban bankin yana aiki a ƙarƙashin Yarjejeniya ta Tarayya ta 13044, wadda aka ba Giannini's Bank of Italy a ranar 1 ga Maris, 1927. Duk da haka, haɗin gwiwar kamfani yana kuma yana da hedkwata a Charlotte, kuma yana riƙe da tarihin farashin hannun jari na NationsBank kafin 1998. Duk takardun Securities da Exchange Commission (SEC) na Amurka kafin 1998 an jera su a ƙarƙashin NationsBank, ba Bankin Amurka ba. Shugaban Bankin NationsBank, shugaba, da Shugaba Hugh McColl, sun ɗauki matsayi iri ɗaya tare da haɗin gwiwar kamfanin.

A cikin 1998, Bankin Amurka ya mallaki haɗin gwiwar kadarori na dala biliyan 570, da kuma rassa 4,800 a cikin jihohi 22 na Amurka. Duk da girman kamfanonin biyu, masu kula da tarayya sun dage ne kawai a kan karkatar da rassa 13 a New Mexico, a cikin garuruwan da za a bar su da banki ɗaya kawai bayan haɗuwa. An sayar da waɗannan rassan ga BOK Financial Corporation, wanda ke gudanar da su a ƙarƙashin sunan "Bank of Albuquerque". Dillalin dillalin, NationsBanc Montgomery Securities, an kira shi Banc of America Securities a cikin 1998.

2005 zuwa 2007

Ofishin Bankin Amurka a yankin Chestnut Hill na PhiladelphiaFiladelfia

ATMs na gaggawa da aka sanya a Hoboken, New Jersey bayan Guguwar Sandy a cikin 2012

A cikin 2001, McColl ya sauka a matsayin Shugaba kuma ya nada Ken Lewis a matsayin magajinsa. A cikin 2004, Bankin Amurka ya sanar da cewa zai sayi bankin FleetBoston Financial na tushen Boston akan dala biliyan 47 a tsabar kuɗi da hannun jari. Ta hanyar haɗawa da Bankin Amurka, duk bankunan da rassansa an ba su tambarin Bankin Amurka. A lokacin hadewar, FleetBoston shine banki na bakwai mafi girma a Amurka da ke da kadarori na dala biliyan 197, sama da abokan ciniki miliyan 20 da kudaden shiga na dala biliyan 12. Daruruwan ma'aikatan FleetBoston sun rasa ayyukansu ko kuma an rage su, a cewar The Boston Globe.

A ranar 30 ga Yuni, 2005, Bankin Amurka ya sanar da cewa zai sayi katon katin kiredit MBNA akan dala biliyan 35 a tsabar kudi da hannun jari. Hukumar ajiyar kudi ta tarayya ta ba da izini na ƙarshe ga haɗakar a ranar 15 ga Disamba, 2005, kuma haɗin gwiwar ya ƙare a ranar 1 ga Janairu, 2006. Samun MBNA ya ba Bankin Amurka babban mai ba da katin kiredit na cikin gida da na waje. Hadaddiyar kungiyar Sabis na Katin Bankin Amurka, gami da tsohuwar MBNA, tana da asusu sama da miliyan 40 da kuma kusan dala biliyan 140 a cikin ma'auni masu kyau. A karkashin Bankin Amurka, aikin ya sake suna FIA Card Services.

Bankin Amurka ya yi aiki a ƙarƙashin sunan BankBoston a wasu ƙasashen Latin Amurka da yawa, ciki har da Brazil. A watan Mayun 2006, Bankin Amurka da Banco Itaú (Investimentos Itaú S.A.) sun kulla yarjejeniya ta saye, ta hanyar da Itaú ta amince da sayen ayyukan BankBoston a Brazil, kuma an ba shi dama ta musamman don siyan ayyukan Bankin Amurka a Chile da Uruguay, a cikin musayar hannun jari Itaú. An sanya hannu kan yarjejeniyar a watan Agustan 2006.

Kafin cinikin, ayyukan BankBoston na Brazil sun haɗa da sarrafa kadara, banki masu zaman kansu, babban fayil ɗin katin kiredit, da ƙananan, tsakiyar kasuwa, da manyan sassan kamfanoni. Yana da rassa 66 da abokan ciniki 203,000 a Brazil. BankBoston a Chile yana da rassa 44 da abokan ciniki 58,000 kuma a cikin Uruguay, yana da rassa 15. Bugu da kari, akwai kamfanin katin kiredit, OCA, a Uruguay, wanda ke da rassa 23. BankBoston NA a Uruguay, tare da OCA, sun yi aiki tare tare da abokan ciniki 372,000. Yayin da sunan BankBoston da alamun kasuwanci ba sa cikin ma'amalar, a matsayin wani ɓangare na yarjejeniyar siyarwa, Bankin Amurka ba zai iya amfani da su ba a Brazil, Chile ko Uruguay bayan ma'amaloli. Don haka, sunan BankBoston ya ɓace daga Brazil, Chile da Uruguay. Hannun jarin Itaú da Bankin Amurka ya samu a cikin hada-hadar ya baiwa hannun jarin bankin Amurka a Itaú damar kaiwa kashi 11.51%. Banco de Boston de Brazil an kafa shi a cikin 1947.

A ranar ta 20 ga Nuwamba, a shekara ta 2006, Bankin Amurka ya ba da sanarwar siyan Kamfanin tare da Amincewar Amurka akan dala biliyan 3.3, daga Kamfanin Charles Schwab. US Trust yana da kasan babba wanda yakai kusan dala biliyan 100 na kadarori a ƙarƙashin gudanarwa kuma sama da shekaru 150 na gogewa. Yarjejeniyar ta rufe ranar 1 ga Yuli, 2007.

A ranar 14 ga Satumba, 2007, Bankin Amurka ya sami amincewa daga Tarayyar Tarayya don siyan Kamfanin Bankin LaSalle daga ABN AMRO akan dala biliyan 21. Da wannan siyan, Bankin Amurka ya mallaki kadarori $1.7 tiriliyan. Wata kotu a Holland ta hana sayar da shi har sai da aka amince da shi a watan Yuli. An kammala sayan a ranar 1 ga Oktoba, 2007. Yawancin rassa da ofisoshi na LaSalle sun riga sun mallaki ƙananan bankunan yanki a cikin shekaru goma da suka gabata, kamar Lansing da Babban Bankin Michigan na tushen Detroit. Sayen ya kuma hada da gasar Marathon na Chicago, wanda ABN AMRO ya samu a shekarar 1996. Bankin Amurka ya dauki nauyin taron da aka fara da tseren 2007.

Yarjejeniyar ta ƙara kasancewar Bankin Amurka a Illinois, Michigan, da Indiana ta rassa 411, abokan cinikin banki na kasuwanci 17,000, abokan cinikin dillalai miliyan 1.4, da ATMs 1,500. Bankin Amurka ya zama banki mafi girma a kasuwar Chicago tare da ofisoshi 197 da kashi 14% na hannun jari, wanda ya zarce JPMorgan Chase.

B. Bankin LaSalle da LaSalle Bank Midwest sun karɓi sunan Bankin Amurka a ranar 5 ga Mayu, 2008.

2007-2010 (hastaniya Suprime mortgage)

A lokacin rikicin jinginar gida na ƙasa da ƙasa, bankin, a ƙarƙashin Ken Lewis, ya yi manyan sayayya biyu waɗanda za su tsara makomar kamfanin na shekaru biyu masu zuwa da ke fitowa daga rikicin. Musamman ma bankin ya fuskanci shari'a daga bangarori daban-daban kuma an sanya shi ya biya dubun biliyoyin daloli.

Samun Kasuwancin Kasuwanci

A ranar 23 ga Agusta, 2007, kamfanin ya sanar da yarjejeniyar sake siyan dala biliyan 2 don Kuɗin Ƙasa baki ɗaya. An shirya wannan siyan kayan da aka fi so don samar da komawa kan saka hannun jari na 7.25% a kowace shekara kuma ya ba da zaɓi don siyan hannun jari na gama gari a farashin $ 18 akan kowane hannun jari.

A ranar 11 ga Janairu, 2008, Bankin Amurka ya ba da sanarwar cewa zai sayi Kuɗaɗen Ƙasa baki ɗaya akan dala biliyan 4.1. A cikin Maris na 2008, an ba da rahoton cewa Ofishin Bincike na Tarayya (FBI) yana bincike a duk ƙasar don yuwuwar zamba da ya shafi lamuni na gida da jinginar gida. Wannan labarin bai hana samun sayan ba, wanda aka kammala a watan Yulin 2008, wanda ya baiwa bankin babban kaso na kasuwancin jinginar gidaje, da samun damar samun albarkatun kasa don samar da jinginar gidaje. Ana ganin sayan a matsayin hana yuwuwar fatara ga Ƙasar baki ɗaya. Duk da haka, a duk faɗin ƙasar, sun musanta cewa yana kusa da fatara. A duk faɗin ƙasar an ba da sabis na jinginar gidaje na jinginar gidaje miliyan tara wanda darajarsu ta kai dala tiriliyan 1.4 tun daga ranar 31 ga Disamba, 2007.

Wannan siyan ya sanya Kamfanin Bankin Amurka ya zama babban mai samar da jinginar gida da mai hidima a cikin Amurka, yana sarrafa kashi 20-25% na kasuwar lamuni ta gida. An tsara yarjejeniyar don haɗa ƙasa baki ɗaya tare da Kamfanin Red Oak Merger Corporation, wanda Bankin Amurka ya ƙirƙira a matsayin wani reshe mai zaman kansa. An ba da shawarar cewa an tsara yarjejeniyar ta wannan hanya don hana yuwuwar fatarar kuɗi daga babban asara a cikin ƙasa wanda ke cutar da ƙungiyar iyaye ta hanyar kiyaye fatarar ƙasa gabaɗaya. Ƙasashe na Ƙasa ya canza suna zuwa Lamunin Gida na Bankin Amurka.

A cikin Disamba 2011, Ma'aikatar Shari'a ta ba da sanarwar sasantawar dala miliyan 335 tare da Bankin Amurka kan ayyukan ba da lamuni na wariya a Kuɗin Kasa. Babban Lauyan kasar Eric Holder ya ce wani bincike da gwamnatin tarayya ta gudanar ya gano nuna wariya ga kwararrun ‘yan asalin Afirka Ba’amurke da Latino masu karbar bashi daga shekarar 2004 zuwa 2008.

Samun Merrill Lynch

Shafin da ke nuna yanayin darajar hannun jari na Bankin Amurka da girman ma'amala a lokacin Rikicin kudi na 2007-2008

A ranar 14 ga Satumba, 2008, Bankin Amurka ya ba da sanarwar aniyarsa ta siyan Merrill Lynch & Co., Inc. a cikin duk wata yarjejeniyar haja ta kusan dala biliyan 50. Merrill Lynch ya kasance a lokacin a cikin kwanaki na rushewa, kuma sayan ya ceci Merrill yadda ya kamata daga fatara. A lokaci guda kuma an ba da rahoton cewa Bankin Amurka yana tattaunawa don siyan Lehman Brothers, amma rashin garantin gwamnati ya sa bankin ya yi watsi da tattaunawa da Lehman. Lehman Brothers ya shigar da karar fatarar kudi a ranar da Bankin Amurka ya sanar da shirinsa na sayen Merrill Lynch. Wannan saye ya sanya Bankin Amurka ya zama babban kamfanin sabis na kudi a duniya. Temasek Holdings, babban mai hannun jari na Merrill Lynch & Co., Inc., a takaice ya zama ɗaya daga cikin manyan masu hannun jari na Bankin Amurka, tare da hannun jari na 3%. Koyaya, yin hasarar da kamfanin dillancin labarai na Reuters ya yi kiyasin dala biliyan 3, asusun arziƙin mallaka na Singapore ya sayar da dukan hannun jarinsa na Bankin Amurka a farkon kwata na 2009.

Masu hannun jari na kamfanonin biyu sun amince da sayan a ranar 5 ga Disamba, 2008, kuma yarjejeniyar ta rufe ranar 1 ga Janairu, 2009. Bankin Amurka ya yi niyyar ci gaba da rike mambobi daban-daban na shugaban Merrill Lynch na lokacin, tawagar gudanarwar John Thain bayan hadewar. Duk da haka, bayan an cire Thain daga mukaminsa, yawancin abokansa sun tafi. Tafiyar Nelson Chai, wanda aka nada a matsayin shugaban Asiya-Pacific, ya bar ɗaya daga cikin hayar Thain a wurin: Tom Montag, shugaban tallace-tallace da ciniki.

Bankin, a ranar 16 ga Janairu, 2009, ya fitar da kudaden shiga, ya bayyana dimbin asarar da aka yi a Merrill Lynch a cikin rubu'i na hudu, wanda ya haifar da zub da kudaden da aka tattauna a baya da gwamnati a matsayin wani bangare na yarjejeniyar da gwamnati ta amince da bankin. samun Merrill. Merrill ya yi asarar aiki na dala biliyan 21.5 a cikin kwata, galibi a cikin tallace-tallace da ayyukan kasuwanci, wanda Tom Montag ke jagoranta. Bankin ya kuma bayyana cewa ya yi kokarin yin watsi da yarjejeniyar a watan Disamba bayan yawan asarar da Merrill ya yi a kasuwa, amma gwamnatin Amurka ta tilasta masa kammala hadakar. Farashin hannun jarin bankin ya fadi zuwa dala 7.18, matakinsa mafi karanci cikin shekaru 17, bayan da ya sanar da samun kudin shiga da kuma hadarin Merrill. Babban jarin bankin Amurka, gami da Merrill Lynch, ya kasance dala biliyan 45 a lokacin, kasa da dala biliyan 50 da ya bayar wa Merrill watanni hudu kacal da suka gabata, kuma ya ragu dala biliyan 108 daga sanarwar hadewar.

Shugaban Bankin Amurka Kenneth Lewis ya shaida a gaban Majalisa cewa yana da ‘yar rashi game da sayan Merrill Lynch kuma jami’in gwamnatin tarayya ya matsa masa lamba kan ya ci gaba da kulla yarjejeniyar ko kuma ya rasa aikinsa tare da kawo barazana ga dangantakar bankin da hukumomin tarayya.

Sanarwar Lewis ta sami goyan bayan saƙon imel na cikin gida da 'yan majalisar Republican a kwamitin sa ido na majalisar suka yi sammaci. A cikin daya daga cikin imel din, shugaban bankin tarayya na Richmond Jeffrey Lacker ya yi barazanar cewa idan har ba a kai ga samun sayan ba, kuma daga baya aka tilasta wa Bankin Amurka neman taimakon tarayya, gudanar da bankin na Amurka zai “bace”. Wasu sakwannin imel da dan majalisa Dennis Kucinich ya karanta a lokacin da Lewis ke ba da shaida, sun bayyana cewa Mista Lewis ya hango fushin masu hannun jarin da sayan Merrill zai haifar, kuma ya bukaci hukumomin gwamnati da su fitar da wata wasika da ke nuna cewa gwamnati ta bayar da umarnin. shi don kammala yarjejeniyar don siyan Merrill. Lewis, a nasa bangaren, ya ce bai tuna neman irin wannan wasikar ba.

Wannan saye ya sanya Bankin Amurka ya zama na daya a jerin manyan basussuka na duniya, na uku mafi girma a fannin daidaiton duniya da kuma mai ba da shawara na tara a kan hada-hada da saye da sayarwa a duniya. Yayin da rikicin bashi ya ragu, asarar Merrill Lynch ya ragu, kuma reshen ya samar da dala biliyan 3.7 na ribar Bankin Amurka a karshen kwata daya a 2009, kuma sama da kashi 25% a cikin kwata 3 2009.

A ranar 28 ga Satumba, 2012, Bankin Amurka ya daidaita ƙarar matakin da aka ɗauka akan sayan Merrill Lynch kuma zai biya $2.43 biliyan. Wannan shine ɗayan manyan ƙararrakin matakin matakin tsaro na farko wanda ya samo asali daga rikicin kuɗi na 2007-2008 don daidaitawa. Yawancin manyan cibiyoyin hada-hadar kudi suna da hannu a cikin wannan karar, ciki har da Kamfanin Chicago Clearing Corporation, asusun shinge, da amintattun banki, saboda imanin cewa hannun jarin Bankin Amurka tabbataccen jari ne.

Shirin Taimako na Tarayya

A ranar 16 ga Janairu, 2009, Bankin Amurka ya karɓi dala biliyan 20 da kuma garantin dala biliyan 118 a cikin yuwuwar asara daga gwamnatin Amurka ta hanyar Shirin Taimakon Kari (TARP). Wannan kari ne ga dala biliyan 25 da aka bai wa banki a fakar 2008 ta hanyar TARP. Ƙarin kuɗin wani bangare ne na yarjejeniya da gwamnatin Amurka don adana haɗin Bankin Amurka da Merrill Lynch. Tun daga wannan lokacin ne ‘yan majalisar dokokin Amurka suka nuna matukar damuwa kan yadda aka kashe wadannan kudade, musamman ganin yadda ake zargin wasu daga cikin wadanda aka karba da yin amfani da kudaden ceto. Daga nan sai aka ambato Shugaba Ken Lewis yana iƙirarin "Har yanzu muna ba da rance, kuma muna ba da lamuni mai yawa saboda shirin TARP." Wakilan Majalisar Wakilai na Amurka, sun nuna shakku, sun kuma nakalto labarai da dama game da masu neman lamuni (musamman masu kananan sana’o’i) da aka hana su lamuni da masu katin kiredit na fuskantar tsauraran sharudda kan bashin da ke cikin asusun katinsu.

A A cewar wata labarin a cikin The New York Times da aka buga a ranar 15 ga Maris, 2009, Bankin Amurka ya sami ƙarin dala biliyan 5.2 a cikin kuɗin ceton gwamnati ta hanyar ceton Ƙungiyar Ƙasashen Duniya ta Amirka.

As a result of its federal bailout and management problems, The Wall Street Journal reported that the Bank of America was operating under a secret "memorandum of understanding" (MOU) from the U.S. government that requires it to "overhaul its board and address perceived problems with risk and liquidity management". With the federal action, the institution has taken several steps, including arranging for six of its directors to resign and forming a Regulatory Impact Office. Bank of America faces several deadlines in July and August and if not met, could face harsher penalties by federal regulators. Bank of America did not respond to The Wall Street Journal story.

A ranar 2 ga Disamba, 2009, Bankin Amurka ya ba da sanarwar cewa zai biya duka dala biliyan 45 da ya karba a cikin TARP kuma ya fice daga shirin, ta hanyar amfani da dala biliyan 26.2 na kudaden ruwa tare da dala biliyan 18.6 da za a samu a cikin "madaidaitan tsaro na yau da kullun" (babban babban matakin Tier 1) . Bankin ya sanar da kammala biyan kudin ne a ranar 9 ga watan Disamba. Ken Lewis na bankin Amurka ya ce a yayin sanarwar, “Mun yaba da irin rawar da gwamnatin Amurka ta taka a bara wajen taimakawa wajen daidaita kasuwannin hada-hadar kudi, kuma mun ji dadin samun damar yin hakan. cikakken mayar da hannun jarin, tare da riba.... A matsayinmu na babban bankin Amurka, muna da alhakin inganta jarin masu biyan haraji, kuma tarihin mu ya nuna cewa mun iya cika wannan alkawari yayin da muke ci gaba da ba da lamuni."

Kudin kari

A ranar 3 ga Agusta, 2009, Bankin Amurka ya amince ya biya tarar dala miliyan 33, ba tare da an shigar da shi ko kuma musanta zargin ba, ga Hukumar Tsaro da Canjin Amurka (SEC) kan rashin bayyana yarjejeniyar biyan kusan dala biliyan 5.8 na kari. ku Merrill. Bankin ya amince da kari kafin hadewar amma bai bayyana su ga masu hannun jarinsa ba lokacin da masu hannun jari ke tunanin amincewa da sayen Merrill, a cikin Disamba 2008. Babban Lauyan New York Andrew Cuomo ne ya fara bincikar batun, wanda ya yi sharhi bayan karar kuma ya sanar da hakan. sasantawa cewa "lokacin samun kari, da kuma bayanan da suka shafi su, sun zama 'mafi dacewa da rashin alhaki na kamfanoni'" da "bincikenmu game da waɗannan da sauran al'amura bisa ga Dokar Martin ta New York za ta ci gaba." Dan majalisa Kucinich yayi tsokaci a lokaci guda cewa "Wannan na iya zama ba tarar karshe da Bankin Amurka ya biya ba kan yadda ya tafiyar da hadakar Merrill Lynch." Wani alkali na gwamnatin tarayya Jed Rakoff, a wani mataki da ba a saba gani ba, ya ki amincewa da sasantawar a ranar 5 ga watan Agusta. Sauraron farko a gaban alkali a ranar 10 ga watan Agusta ya kasance mai zafi a wasu lokuta, kuma ya kasance "mai sukar [al]" kan kari. David Rosenfeld ya wakilci SEC, kuma Lewis J. Liman, ɗan Arthur L. Liman, ya wakilci bankin. Ainihin adadin kudaden alawus da aka biya shine dala biliyan 3.6, wanda $850 miliyan “tabbace” kuma an raba ragowar tsakanin ma’aikata 39,000 da suka sami matsakaicin biyan kuɗi na $91,000; Mutane 696 sun sami fiye da dala miliyan 1 a cikin kari; aƙalla mutum ɗaya ya sami kari fiye da dala miliyan 33.

On September 14, the judge rejected the settlement and told the parties to prepare for trial to begin no later than February 1, 2010. The judge focused much of his criticism on the fact that the fine in the case would be paid by the bank's shareholders, who were the ones that were supposed to have been injured by the lack of disclosure. He wrote, "It is quite something else for the very management that is accused of having lied to its shareholders to determine how much of those victims' money should be used to make the case against the management go away," ... "The proposed settlement," the judge continued, "suggests a rather cynical relationship between the parties: the S.E.C. gets to claim that it is exposing wrongdoing on the part of the Bank of America in a high-profile merger; the bank's management gets to claim that they have been coerced into an onerous settlement by overzealous regulators. And all this is done at the expense, not only of the shareholders but also of the truth."

Yayin da a ƙarshe ke komawa ga SEC, a cikin Fabrairu 2010, Alkali Rakoff ya amince da sake fasalin sulhu tare da tarar dala miliyan 150 "ba tare da son rai ba", yana mai kiran yarjejeniyar "adalcin rabin gasa a mafi kyau" da "rashin wadatar da kuma bata". Da yake jawabi daya daga cikin damuwar da ya taso a watan Satumba, za a raba tarar ga masu hannun jarin Bankin Amurka da ba a bayyanawa ba, ko kuma masu hannun jarin gado, ci gaban da aka samu kan dala miliyan 33 da ta gabata yayin da har yanzu "tauye", a cewar alkali: SEC v. Bank of America Corp., 09-cv-06829, United States District Court for Southern District of New York kuma an gudanar da bincike kan wannan batu a cikin Kwamitin Sa ido da Gyaran Gwamnati. karkashin shugaban Edolphus Towns (D-NY) kuma a cikin kwamitin bincikensa na Manufofin Cikin Gida a ƙarƙashin Kucinich.

Cin hanci

A shekara ta 2010, gwamnatin Amurka ta zargi bankin da zamba a makarantu, asibitoci, da kuma kungiyoyi da dama na jihohi da na kananan hukumomi ta hanyar rashin da'a da ayyukan da ba bisa ka'ida ba da suka hada da saka hannun jarin kudaden da aka samu daga tallace-tallacen lamuni na birni. Sakamakon haka, bankin ya amince ya biya dala miliyan 137.7, da suka hada da dala miliyan 25 ga ma’aikatar kudaden shiga da kuma dala miliyan 4.5 ga babban lauyan gwamnati, ga kungiyoyin da abin ya shafa don sasanta zarge-zargen. Tsohon jami'in bankin Douglas Campbell ya amsa laifin cin amana, hada baki, da kuma zamba. Tun daga shekarar 2011, sauran ma'aikatan banki da dillalai suna ƙarƙashin tuhuma ko bincike.

A ranar 24 ga Oktoba, 2012, babban mai shigar da kara na tarayya a Manhattan ya shigar da kara yana zargin cewa Bankin Amurka ya yi wa masu biyan harajin Amurka damfara sama da dala biliyan 1 lokacin da Kudade ta Kasa ta sayar da jinginar gidaje masu guba ga Fannie Mae da Freddie Mac. An kira wannan makircin 'Hustle', ko High Speed ​​Swim Lane. A ranar 23 ga Mayu, 2016, Kotun Daukaka Kara ta Amurka ta biyu ta yanke hukuncin cewa binciken gaskiyar da alkalai suka yi cewa an ba da jinginar gidaje marasa inganci ta ƙasa zuwa Fannie Mae da Freddie Mac a cikin shari'ar "Hustle" tana goyan bayan "karɓar kwangila da gangan, "ba zamba ba. Matakin, don zamba na farar hula, ya dogara ne akan tanadi na Cibiyoyin Kuɗi na Gyarawa, Farfadowa da Dokar Tilasta. Shawarar ta juya ga rashin niyyar yin zamba a lokacin da aka yi kwangilar samar da jinginar gidaje.

Canjin Shugaba

Ken Lewis, wanda ya rasa mukamin shugaban hukumar, ya sanar da cewa zai yi ritaya a matsayin shugaban hukumar daga ranar 31 ga Disamba, 2009, a wani bangare saboda takaddama da binciken shari’a game da sayan Merrill Lynch. Brian Moynihan ya zama shugaban kasa kuma Shugaba mai aiki a ranar 1 ga Janairu, 2010, kuma daga baya cajin katin kiredit da laifuffuka ya ƙi a cikin Janairu. Bankin Amurka ya kuma biya dala biliyan 45 da ya samu daga Shirin Taimakon Kayayyakin Matsala.

2011 zuwa yanzu

Ragewa (2011 zuwa 2014)

A cikin 2011, Bankin Amurka ya fara gudanar da rage ma'aikata kimanin mutane 36,000, yana ba da gudummawar da aka yi niyya don tanadin dala biliyan 5 a kowace shekara nan da 2014. A cikin Disamba 2011, Forbes ya sanya arzikin bankin Amurka na 91 a cikin manyan bankuna 100 na kasar da cibiyoyi masu zaman kansu. .

Bankin Amurka ya yanke kusan ayyuka 16,000 cikin sauri a karshen shekarar 2012 yayin da kudaden shiga ya ci gaba da raguwa saboda sabbin ka'idoji da tattalin arzikin kasa. Wannan ya sanya shirin shekara ɗaya kafin lokaci don kawar da ayyuka 30,000 a ƙarƙashin shirin rage farashi, mai suna Project New BAC. A cikin kwata na farko na 2014, bankin Berkshire ya sayi rassan Bankin Amurka 20 a Tsakiya da Gabashin New York akan dala miliyan 14.4. Rassan sun fito ne daga yankin Utica/Rome da gangaren kwarin Mohawk gabas zuwa babban yankin. A cikin Afrilu da Mayu 2014, Bankin Amurka ya sayar da rassa dozin biyu a Michigan zuwa Huntington Bancshares. An canza wuraren zuwa rassan Bankin Kasa na Huntington a watan Satumba..

A wani bangare na sabon dabarunsa Bankin Amurka ya mai da hankali kan bunkasa dandalin bankin wayar salula. Ya zuwa 2014, Bankin Amurka yana da masu amfani da yanar gizo miliyan 31 da masu amfani da wayar hannu miliyan 16. rassan bankin dillalan sa sun ragu zuwa 4,900 sakamakon karuwar amfani da bankin wayar hannu da raguwar ziyarar reshen abokan ciniki. Zuwa shekarar 2018, adadin masu amfani da wayar salula ya karu zuwa miliyan 25.3 kuma adadin wuraren ya ragu zuwa 4,411 a karshen watan Yuni. 

Sayar da hannun jari a Bankin Gine-gine na China

A cikin 2005, Bankin Amurka ya sami hannun jarin kashi 9% a Bankin Ginin China, daya daga cikin manyan bankunan China, kan dalar Amurka biliyan 3. Ya wakilci mafi girma na kamfani a cikin babban bankin kasar Sin. Bankin Amurka yana da ofisoshi a Hong Kong, Shanghai, da Guangzhou kuma yana neman fadada kasuwancinsa na kasar Sin sosai sakamakon wannan yarjejeniya. A cikin 2008, Bankin Amurka ya sami lambar yabo ta Kasuwancin Kudi na Shekara a lambar yabo ta ALB ta Hong Kong ta 2008. A watan Nuwamban shekarar 2011, bankin Amurka ya sanar da shirin karkatar da mafi yawan hannun jarinsa a bankin gine-ginen kasar Sin.

A watan Satumba na 2013, Bankin Amurka ya sayar da ragowar hannun jarinsa na bankin gine-gine na China kan kudi dala biliyan 1.5, wanda ke nuna cikakken ficewar kamfanin daga kasar.

Sadarwar dala biliyan 17 tare da Ma'aikatar Shari'a 

A cikin watan Agustan 2014, Bankin Amurka ya amince da yarjejeniyar kusan-$17 biliyan don sasanta iƙirarin da aka yi masa dangane da siyar da rancen jinginar gidaje masu guba gami da lamunin gida na ƙasa, a cikin abin da aka yi imanin shine mafi girma a cikin tarihin kamfanoni na Amurka. Bankin ya amince da Ma’aikatar Shari’a ta Amurka don biyan tarar dala biliyan 9.65, da kuma dala biliyan 7 a matsayin agaji ga wadanda abin ya shafa na rashin lamuni da suka hada da masu gida, masu karbar bashi, kudaden fansho da kuma gundumomi. Masanin tattalin arziki na gidaje Jed Kolko ya ce sulhun "digo ne a cikin guga" idan aka kwatanta da diyyar dala biliyan 700 da aka yiwa masu gidaje miliyan 11. Tun da sasantawar ta ƙunshi irin wannan yanki mai mahimmanci na kasuwa, ya ce ga yawancin masu siye "ba ku da sa'a."

Yawancin tuhumar gwamnati sun dogara ne akan bayanan da wasu masu fallasa uku suka bayar - Shareef Abdou (babban mataimakin shugaban bankin), Robert Madsen (kwararre mai kima da wani reshen banki ke aiki), da Edward O'Donnell (wani jami'in Fannie Mae) . Mutanen uku sun sami dala miliyan 170 a matsayin lambobin yabo.. 

Bankin Al'umma na DOD

Alamar Bankin Al'umma ta DOD

Bankin Amurka ya kafa haɗin gwiwa tare da Ma'aikatar Tsaro ta Amurka ƙirƙirar sabon bankin DOD Community Bank ("Bankin Al'umma") yana ba da cikakken sabis na banki ga ma'aikatan soja a rassa 68 da wuraren ATM a kan kayan aikin soja na Amurka a Guantanamo Bay Naval Base. Cuba, Diego Garcia, Jamus, Japan, Italiya, Kwajalein Atoll, Koriya ta Kudu, Netherlands, da Ingila. Duk da cewa Bankin Amurka yana gudanar da bankin al'umma, sabis na abokin ciniki ba sa canzawa tsakanin cibiyoyin hada-hadar kudi biyu, ma'ana abokin ciniki na bankin al'umma ba zai iya zuwa reshen bankin Amurka ya janye daga asusunsa ba kuma akasin haka. Kudaden ajiya da aka yi a cikin asusun dubawa da ajiyar kuɗi suna samun inshora ta Hukumar Inshorar Deposit Deposit na Tarayya har dala 250,000 duk da cewa babu wani reshe na aiki na Al'umma da ke cikin iyakokin Amurka.

Shawarwarin da ba za a ba da kuɗin masu yin bindigogi na soja ba

A cikin Afrilu 2018, Bank of America ya sanar da cewa zai daina bayar da kudade ga masu kera makaman soja irin su bindigar AR-15. Da yake sanar da matakin, Bankin Amurka ya yi tsokaci game da harbe-harbe da aka yi a baya-bayan nan kuma ya ce yana son “ba da gudummawa ta kowace hanya da za mu iya” don rage su.

Komawa zuwa fadada (2015-yanzu)

Bankin Amurka a cikin 2015, kafin fadada kwayoyin halitta a cikin kasuwannin Denver, Indianapolis, Ohio, Pittsburgh, da Twin Cities

Ofishin Bankin Amurka a Washington, DC

A cikin 2015, Bankin Amurka ya fara haɓakawa ta zahiri, yana buɗe rassa a cikin biranen da a baya ba shi da wurin ciniki. Sun fara waccan shekarar a Denver, sai Minneapolis–Saint Paul da Indianapolis suka biyo baya, a duk lokuta suna da aƙalla ɗaya daga cikin manyan masu fafatawa da su, tare da bankin Chase yana samuwa a Denver da Indianapolis, yayin da Wells Fargo yana nan a Denver da Twin Cities. . Kasuwar Twin Cities kuma ita ce kasuwar gida ta U.S. Bancorp, babbar abokiyar hamayyar da ba ta Big Four ba.

A cikin Janairu 2018, Bankin Amurka ya ba da sanarwar fadada tsarin sawun sa a cikin Pittsburgh da kewaye, don haɓaka kasuwancin lamuni na kasuwanci da saka hannun jari a yankin. Kafin fadadawa, Pittsburgh ya kasance ɗaya daga cikin manyan biranen Amurka ba tare da wani kantin sayar da kayayyaki ta kowane ɗayan Manyan Hudu ba, tare da sabis na Kuɗi na PNC na gida (na 6 na ƙasa) yana da babban rabon kasuwa a yankin; wannan ya zo daidai da Chase yana yin irin wannan fadada zuwa Pittsburgh. A karshen shekarar kasafin kudi na 2020, Bankin Amurka ya zama banki na 16 mafi girma na Pittsburgh ta hanyar adibas, wanda la'akari da rinjayen PNC da BNY Mellon a kasuwa ana daukarsa mai ban sha'awa. A shekarar 2021, Bankin Amurka ya koma na 12 a kasuwa.

A cikin Fabrairu 2018, Bank of America ya ba da sanarwar zai faɗaɗa cikin Ohio a cikin manyan biranen jihar uku (Cleveland, Columbus, da Cincinnati), waɗanda ke da ƙarfi na Chase. Columbus yana aiki a matsayin cibiyar banki a Ohio saboda tsakiyar wurinsa a matsayin babban birnin jihar, girmanta gaba ɗaya da haɓakarsa, da cibiyar kiran bankin Amurka da ke akwai don rabon katin kiredit ɗin sa a cikin yankin Westerville. A cikin shekara guda da shiga Ohio, Columbus da sauri ya ga bankin ya zama na 5th mafi girma a kasuwa ta hanyar ajiya, a bayan bankuna kawai ko dai a Ohio (Babban Banki na Uku da Huntington Bancshares na gida) ko kuma suna da babban kasancewar sakamakon saye. na cibiyar da ke Ohio (Chase da PNC), kuma gaba da US Bancorp (har ila yau tare da babban kasancewar saboda samun banki na tushen Ohio), KeyBank na Ohio, da cibiyoyin gida da yawa. Kamar na 2021, Bankin Amurka shine banki na 9 mafi girma ta hanyar ajiya a duk Ohio.

A watan Janairu na shekara ta 2020, Bankin Amurka ya hayar da sabbin masu ba da shawara wadanda manyan ayyukansu shine taimakawa abokan ciniki masu arziki.

Ayyuka

Bankin Amurka yana samar da kashi 90% na kudaden shiga a kasuwannin cikin gida. Tushen dabarun Bankin Amurka shine ya zama banki na daya a kasuwannin cikin gida. Ya cimma hakan ne ta hanyar manyan saye.

Bankin Abokin Ciniki

Ofishin Bankin Amurka a Washington, DC

Bankin Mabukaci, mafi girma a cikin kamfani, yana ba da sabis na kuɗi ga masu siye da ƙananan kasuwancin da suka haɗa da, banki, saka hannun jari, sabis na kasuwanci, da samfuran lamuni ciki har da lamunin kasuwanci, jinginar gida, da katunan kuɗi. Yana ba da sabis na dillalai ta hanyar Merrill Edge, takamaiman yanki don saka hannun jari da ayyuka masu alaƙa, kamar bincike da mashawarcin cibiyar kira, bayan Merrill Lynch ya zama reshen Bankin Amurka. Sashen banki na mabukaci ya wakilci kashi 38% na jimlar kudaden shiga na kamfanin a cikin 2016. Kamfanin yana samun kudaden shiga daga kudin ruwa, cajin sabis, da kudade. Bugu da kari, kamfani ne mai hidimar jinginar gida. Tana gasa da farko tare da hannun jarin banki na sauran manyan bankunan Amurka guda uku: Citigroup, JPMorgan Chase, da Wells Fargo. Ƙungiyar Bankin Masu Mabukaci ta haɗa da cibiyoyin hada-hadar kuɗi sama da 4,600 da kuma na'urori masu sarrafa kansa 15,900.

Bankin Amurka memba ne na Global ATM Alliance, hadin gwiwar manyan bankunan kasa da kasa da dama wadanda ke samar da rage kudade ga masu amfani da katin ATM dinsu ko katin rajista a wani banki a cikin Global ATM Alliance lokacin tafiya kasashen waje. Wannan fasalin yana iyakance ga cirewa ta hanyar amfani da katin zare kudi kuma masu amfani har yanzu suna ƙarƙashin kuɗaɗen canjin kuɗaɗen waje, cire katin kiredit har yanzu ana fuskantar kuɗaɗen ci gaba na kuɗi da kuɗin musayar kuɗin waje.

Bankin Duniya

Bankin Amurka Hasumiya, a kan titin Laura a Jacksonville, Florida

Sashen Banki na Duniya yana ba da sabis na banki, gami da bankin zuba jari da ba da rance ga 'yan kasuwa. Ya haɗa da kasuwancin Bankin Kasuwanci na Duniya, Bankin Kasuwanci na Duniya, Bankin Kasuwanci, da Bankin Zuba Jari na Duniya. Rabon yana wakiltar 22% na kudaden shiga na kamfanin a cikin 2016.

Kafin Bankin wanda ya kasance mallakin Amurka ya mallaki Merrill Lynch, kasuwancin Global Corporate and Investment Banking (GCIB) yana aiki azaman Banc of America Securities LLC. Ayyukan banki na saka hannun jari na bankin suna aiki a ƙarƙashin reshen Merrill Lynch kuma sun ba da shawarwarin haɗin gwiwa da saye, rubuce-rubuce, kasuwannin babban birni, da tallace-tallace & ciniki a cikin ƙayyadaddun samun kudin shiga da kasuwannin ãdalci. Ƙungiyoyin da suka fi ƙarfi sun haɗa da Leveraged Finance, Syndicated Loans, da amintattun tallafi na jinginar gida. Hakanan yana da ɗayan manyan ƙungiyoyin bincike akan Wall Street. Bankin Amurka Merrill Lynch yana da hedikwata a birnin New York.

Gudanar da Albarka da Zuba Jari na Duniya

Sashen Gudanar da Dukiya da Zuba Jari na Duniya (GWIM) yana kula da kadarorin saka hannun jari na cibiyoyi da daidaikun mutane. Ya haɗa da kasuwancin Merrill Lynch Global Wealth Management da US Trust kuma yana wakiltar 21% na jimlar kudaden shiga na kamfanin a cikin 2016. Yana cikin manyan manajojin dukiyar Amurka 10. Tana da sama da dala tiriliyan 2.5 a ma'aunin abokin ciniki. GWIM yana da manyan layukan kasuwanci guda biyar: Babban Banki & Zuba Jari (ciki har da Bankin Amurka Sabis na Zuba Jari, Inc.), Bankin Mai zaman kansa, Masu Ba da Shawarar Dukiyar Iyali, da ƙwararren Bankin Amurka..

Kasuwancin Duniya

Shugaba na Bankin Amurka Brian Moynihan ganawa da Narendra Modi, Firayim Minista na Indiya, a New Delhi, a watan Disamba na shekara ta 2014

Sashen Kasuwannin Duniya yana ba da sabis ga abokan ciniki na cibiyoyi, gami da ciniki cikin amintattun kuɗi. Sashen yana ba da bincike da sauran ayyuka kamar sabis na tsaro, mai yin kasuwa, da sarrafa haɗari ta amfani da abubuwan ƙira. Rabon yana wakiltar kashi 19% na jimlar kuɗin da kamfanin ya samu a cikin 2016.

Aiki

A ranar 9 ga Afrilu, na shekara ta 2019, kamfanin ya sanar da cewa za a kara mafi karancin albashi daga rana wacce ta kasance 1 ga Mayu, shekara ta 2019, zuwa $ 17.00 a awa har sai ya kai burin $ 20.00 a awa daya a shekarar ta 2021.

Ofisoshin

Babban ofisoshin zartarwa na Bankin wananda yake mallakin Amurka suna cikin Cibiyar Kasuwancin Bankin Amurka, Charlotte, North Carolina. Ginin yana a 100 North Tryon Street, kuma an gina shine a shahuna 871 ft (265 m), bayan an kammala shi a shekarar ta 1992. 

A cikin shekara ta 2012, Bankin Amurka ya yanke alaƙa da Majalisar musayar dokokin ta Amurka (ALEC).

Ofisoshin kasa da kasa

Bankin na en-kasuwa da Kasuwanci na Duniya na Bankin Amurka yakasan ce yana da hedikwatar Amurka a Charlotte, hedikwatar Turai a Dublin, da hedikwatar su wanda take a Asiya a Hong Kong da Singapore.

Gudanar da kamfanoni

Kwamitin Daraktoci

Sunan	Matsayi
Brian Moynihan	Shugaban kwamitin da kuma babban jami'in zartarwa, Bankin Amurka Corporation
Susan S. Bies
Frank P. Bramble Sr.
Arnold W. Donald
Monica C. Lozano
Lionel L. Nowell, na uku
Clayton S. Rose
Thomas D. Woods
Maria T. Zuber
Sharon L. Allen
Jack O. Bovender Jr.	Shugaba Mai Zaman Kanta, Bankin Amurka Corporation
Pierre J. P. de Weck
Linda P. Hudson
Thomas J. Mayu
Denise L. Ramos
Michael D. White
R. David Yost

Babban jami'an zartarwa

Brian Moynihan, Shugaba na Bankin Amurka tun 2010

1. Hugh McColl (1998-2001)
2. Ken Lewis (2001-2009)
3. Brian Moynihan (2010-)

Ayyukan sadaka

Bankin Amurka masu sa kai a wani fareti na LGBT a Los Angeles a 2011

A cikin shekara ta 1998, bankin ya yi alkawarina wasu kofi kimanin sallar amurka goma na dala biliyan 350 don samar da jinginar gidaje masu araha, gina gidaje masu rahusa, tallafawa kananan kamfanoni da samar da ayyukan yi a unguwannin da ba su da galihu. A cikin 2004, bankin ya yi alkawarin dala miliyan 750 a cikin shekaru goma don ba da lamuni na ci gaban al'umma da shirye-shiryen gidaje masu araha.

A shekara ta 2007, bankin ya bai wa ma'aikata rangwamen dala 3,000 don siyan motoci masu haɗaka. Kamfanin ya kuma ba da rangwamen dala 1,000 ko ƙaramin riba ga abokan cinikin da gidajensu suka cancanci makamashi mai inganci. A cikin 2007, Bankin Amurka ya haɗu da Brighter Planet don ba da katin kiredit mai dacewa da muhalli, sannan kuma katin zare kudi, wanda ke taimakawa gina ayyukan makamashi mai sabuntawa tare da kowane sayayya. Bankin Amurka ya kuma ba da gudummawar kuɗi don taimakon cibiyoyin kiwon lafiya a Massachusetts kuma ya ba da gudummawar dala miliyan 1 a cikin 2007 don taimakawa matsugunan marasa gida a Miami.

A Indiya, Bankin na Amurk ya kasance yana ba da gudummawa don adanawa da kuma tattara kayan tarihi. Tun da 2010, a karkashin jagorancin Kaku Nakhate, shugaban kasa da kuma shugaban BoA India, kamfanin ya goyi bayan zane-zane da al'adu a kasar, ciki har da tallafawa Gidan Tarihi na Yara a CSMVS (Chhatrapati Shivaji Maharaj Vastu Sangrahalaya, wanda aka fi sani da Yariman Wales Museum) .

Shari'a

A watan Agustan 2011, Ƙungiyar Ƙasashen Duniya ta Amirka ta kai ƙarar Bankin Amurka a kan dala biliyan 10 bisa wani zarge-zargen "damfara" kan bashin jinginar gida. Wata ƙarar da aka shigar a kan Bankin Amurka, ta shafi dala biliyan 57.5 a cikin asusun ajiyar kuɗi Bankin Amurka ya sayar wa Fannie Mae da Freddie Mac. A watan Disamba, Bankin Amurka ya amince ya biya dala miliyan 335 don daidaita da'awar gwamnatin tarayya cewa Kuɗin Ƙasa ya nuna wariya ga masu siyan gida na Hispanic da Ba-Amurke daga 2004 zuwa 2008, kafin BofA ya samu. A cikin Satumba 2012, BofA ta yanke hukunci a gaban kotu kan dala biliyan 2.4 a cikin ƙarar matakin da masu hannun jarin BofA suka shigar waɗanda suka ji an yaudare su game da siyan Merrill Lynch. 

A ranar 9 ga Fabrairu, 2012, an sanar da cewa manyan masu ba da jinginar gidaje biyar (Ally/GMAC, Bankin Amurka, Citi, JPMorgan Chase, da Wells Fargo) sun amince da sasantawa mai cike da tarihi tare da gwamnatin tarayya da jihohi 49. Matsakaicin, wanda aka fi sani da National Mortgage Settlement (NMS), ya buƙaci ma'aikatan su samar da kusan dala biliyan 26 na agaji ga masu gidajen da ke cikin damuwa da kuma biyan kuɗi kai tsaye ga jihohi da gwamnatin tarayya. Wannan adadin sasantawa ya sa NMS ta zama na biyu mafi girma na zaman jama'a a tarihin Amurka, wanda ke bin Yarjejeniyar Matsala ta Tabar taba. An kuma bukaci bankunan biyar su bi sabbin ka'idojin bayar da jinginar gidaje 305. Oklahoma ya tsaya kuma ya yarda ya daidaita tare da bankuna daban.

An cimma yarjejeniyar dala miliyan 7.5 a cikin watan Afrilun 2014 tare da tsohon babban jami’in kudi na bankin Amurka, Joe L. Price, kan zargin da ake yi cewa hukumomin bankin sun hana bayanan da suka shafi hadewarsu da Merrill Lynch a shekarar 2008. A watan Agustan 2014, Ma'aikatar Shari'a ta Amurka da bankin sun amince da yarjejeniyar dala biliyan 16.65 kan siyar da tsare-tsare masu haɗari, masu dogaro da lamuni kafin Babban koma bayan tattalin arziki; An tura lamunin da ke bayan bayanan ga kamfani lokacin da ya mallaki bankuna irin su Merrill Lynch da Countrywide a cikin 2008. Gabaɗaya, kamfanonin uku sun ba da dala biliyan 965 na asusun ajiyar kuɗi daga 2004 zuwa 2008. An tsara yarjejeniyar don ba da $7. biliyan a agajin mabukaci da dala biliyan 9.65 na biyan tara ga gwamnatin tarayya da gwamnatocin jihohi; California, alal misali, ta karɓi dala miliyan 300 don biyan kuɗin fansho na jama'a. Matsalolin shine mafi girma a tarihin Amurka tsakanin kamfani guda da gwamnatin tarayya

Sadarwa tare da masu gida

A ranar 14 ga Maris, 2011, mambobin kungiyar masu satar bayanai sun fara sakin imel da aka ce daga wani tsohon ma'aikacin Bankin Amurka ne. A cewar kungiyar, sakwannin imel sun rubuta zargin "almundahana da zamba". Majiyar wadda aka bayyana a bainar jama'a da suna Brian Penny, tsohon kwararre ne na LPI daga Balboa Insurance, wani kamfani wanda a baya mallakar bankin ne, amma an sayar da shi ga Kamfanin Reinsurance na Australia QBE. A ranar 7 ga Afrilu, 2014, Bankin Amurka da QBE sun sasanta wani ƙarar matakin da ya taso daga ledar akan dala miliyan 228. 

Ayyukan biyan kuɗi marasa adalci

A cikin Afrilu 2014, Ofishin Kariyar Kuɗi na Masu Amfani (CFPB) ya umurci Bankin Amurka ya samar da kimanin dala miliyan 727 don agaji ga mabukatan da suka cutar da su ta hanyar abubuwan da suka shafi kayan ƙara katin kiredit. A cewar Ofishin, kusan kwastomomi miliyan 1.4 ne tallace-tallacen yaudara na kayan ƙara ya shafa, kuma an caje abokan ciniki miliyan 1.9 ba bisa ƙa'ida ba don sa ido kan bashi da ayyukan bayar da rahoton da ba sa karɓa. Lalacewar tallan na yaudara ya haɗa da rubutun tallan tallan da ke ɗauke da ɓarna da filayen tallace-tallace na rubutun da masu tallan waya suka yi waɗanda ke ɓarna kuma sun tsallake bayanan da suka dace. Ayyukan lissafin rashin adalci sun haɗa da biyan abokan ciniki don samfuran da ke da alaƙa ba tare da samun izini da suka wajaba don aiwatar da ayyukan sa ido na ƙirƙira da ayyukan dawo da rahoton kiredit ba. Sakamakon haka, kamfanin ya yi wa abokan cinikin cajin sabis ɗin da ba su karɓa ba, ba tare da yin adalci ba ga masu amfani da riba da kudade, sun caje kusan asusu miliyan 1.9 ba bisa ka'ida ba, kuma sun kasa samar da fa'idar samfurin. A cikin Mayu 2022, CFPB ta umarci Bankin Amurka da ya biya $10 m a matsayin hukumci na haramtattun kaya.. 

Nuna bambanci

A cikin 2018, tsohon babban jami'in gudanarwa Omeed Malik ya shigar da karar dala miliyan 100 ta hannun FINRA a kan Bankin Amurka bayan kamfanin ya bincike shi kan zargin aikata lalata. Da'awar bata masa suna ya kasance a kan ramuwar gayya, karya kwangila, da kuma nuna wariya ga addininsa na musulmi. Malik ya sami sulhu mai lamba takwas a watan Yuli na wannan shekarar.

A cikin Afrilu 2015, Hukumar Gasar (Afrika ta Kudu) ta gabatar da bincike kan yadda manyan bankuna ke gudanar da harkokin kasuwanci a kasuwar musayar kudin kasashen waje da ke shafar kudin kasar Afirka ta Kudu Rand. Binciken ya hada da Bankin Amurka tare da wasu bankunan da suka hada da Barclays Bank Plc, CitiGroup Inc, JP Morgan Chase & Co, Standard New York Securities Inc da sauransu. Ana binciken ’yan kasuwan da ke sama a cikin kudaden kasashen waje don daidaita farashin kai tsaye ko a kaikaice kan tallace-tallace, tayi da kuma bazuwar tayin dangane da tabo, gaba da kuma tura kasuwancin waje. Halin da ake gudanar da bincike yana da tasiri na karkatar da farashin canji na waje da kuma kara tsadar farashin ciniki da kudin waje, dangane da kudin kasar Rand.

Asusun karya, kudaden da aka yi watsi da su da kuma lada da aka hana

A A cikin 2023, Ofishin Kare Kuɗi na Masu Amfani ya ce an ci tarar dala miliyan 250 na tara da diyya a kan Bankin Amurka saboda "ayyukan yaudara waɗanda suka cutar da dubban ɗaruruwan masu amfani," gami da caji sau biyu rashin isassun kuɗaɗen kuɗi, riƙe ladan katin kiredit. , da bude asusu ba tare da sani ko izinin abokan ciniki ba.

Rashin jituwa

Rashin amincewa da bashi na mabukaci

A A watan Janairu na 2008, Bankin Amurka ya fara sanar da wasu abokan ciniki ba tare da matsalolin biyan kuɗi ba cewa yawan kuɗin ruwa ya ninka sau biyu, har zuwa 28%. An caccaki bankin da kara farashin kwastomomi a matsayi mai kyau, da kuma kin bayyana dalilin yin hakan. A cikin watan Satumba na 2009, wata abokin cinikin katin kiredit na Bankin Amurka, Ann Minch, ta saka wani bidiyo a YouTube tana sukar bankin saboda karuwar kudin ruwa. Bayan faifan bidiyon ya bazu, wani wakilin bankin Amurka ya tuntube ta wanda ya rage mata kudi. Labarin ya ja hankalin al'ummar kasar daga masu sharhin talabijin da intanet. A shekara ta 2010, an caccaki bankin bisa zargin kwace wasu kadarori uku da ba su mallakin su ba, bisa ga dukkan alamu ba daidai ba a adireshinsu na takardun doka.

Binciken Jihar Arizona

A ranar 6 ga Mayu, 2015, Bankin Amurka ya ba da sanarwar cewa zai rage yawan fallasa kudadensa ga kamfanonin kwal. Sanarwar ta zo ne bayan matsin lamba daga jami'o'i da kungiyoyin kare muhalli. An sanar da wannan sabuwar manufar a matsayin wani bangare na shawarar bankin na ci gaba da rage ba da lamuni na tsawon lokaci ga bangaren hakar kwal..

Zuba jari a cikin hakar kwal

A ranar ta 6 ga Mayu, shekara ta 2015, Bankin Amurka ya fitar da wata sanarwar cewa zai rage yawan fallasa kudadensa ga kamfanonin kwal. Sanarwar ta zo ne bayan matsin lamba daga jami'o'i da kungiyoyin kare muhalli. An sanar da wannan sabuwar manufar a matsayin wani bangare na shawarar bankin na ci gaba da rage ba da lamuni na tsawon lokaci ga bangaren hakar kwal.

Abubuwan da suka faru

Abin da ya faru a Wikileaks

A cikin Oktoba 2009, Julian Assange na WikiLeaks ya yi iƙirarin cewa ƙungiyarsa ta mallaki rumbun kwamfutarka mai girman gigabyte 5 wanda wani babban jami'in bankin Amurka ke amfani da shi a baya kuma Wikileaks ya yi niyyar buga abubuwan da ke cikinsa. A cikin Nuwamba 2010, Forbes ya buga wata hira da Assange inda ya bayyana aniyarsa ta buga bayanan da za su juya wani babban bankin Amurka "ciki". Dangane da wannan sanarwar, hannun jarin bankin Amurka ya ragu da kashi 3.2%.

Daga baya a watan Disamba, an ba da sanarwar cewa Bankin Amurka ya sayi sunayen yankin Intanet sama da 300 a yunƙurin ƙaddamar da mummunan talla da ka iya fitowa a cikin ficewar WikiLeaks. Sunayen yankin sun haɗa da su BrianMoynihanBlows.com, BrianMoynihanSucks.com da makamantan sunayen ga sauran manyan shugabannin bankin.

Wani lokaci kafin Agusta 2011, WikiLeaks ya yi iƙirarin cewa 5 GB na leaks na Bankin Amurka wani bangare ne na goge sama da sadarwa 3500 da Daniel Domscheit-Berg, tsohon mai sa kai na WikiLeaks ya yi.

Lamarin Ryan Coogler

Maris 2022, bankin ya shiga cikin wani lamari mai alaka da fitaccen mai shirya fina-finai Ryan Coogler, wanda aka yi masa kuskure a matsayin dan fashin banki kuma 'yan sanda suka tsare shi a Atlanta, bayan Coogler ya yi kokarin cire kudi a reshen bankin Amurka. Bayan an tabbatar da shaidarsa da katin shaidarsa na jihar California da katin bankinsa na Bankin Amurka, an saki Coogler kuma bankin ya fitar da sanarwar neman afuwa. A cewar wasu majiyoyi da dama, ma’aikacin bankin bai duba ID na Coogler ba don tabbatar da ko shi ne mai asusun bankin kafin ta bukaci mai kula da bankin ya kira ‘yan sanda.

Gasa

Manyan masu fafatawa na Bankin Amurka sune Wells Fargo, Santander, PNC Financial Services, Ally Financial, Capital One, JPMorgan Chase Bank, Bankin Amurka, Ƙungiyar Kuɗi na Jama'a, Citigroup, Bankin M&T, da Truist.

Gidajen da aka sani

Atlanta)" id="mwBKQ" rel="mw:WikiLink" title="Bank of America Plaza (Atlanta)">Bankin Amurka Plaza a Atlanta, gini mafi tsayi a Kudancin Amurka

Filin wasa na Bank of America, gidan Carolina Panthers na Kungiyar Kwallon Kafa ta Kasa

Wadannan sune wasu daga Shahararrun gine-ginen da Bankin Amurka ke zaune a halin yanzu sun hada da:

• Hasumiyar Bankin Amurka a Phoenix, Arizona
• 9454 Wilshire Boulevard a Beverly Hills, California
• Cibiyar Bankin Amurka a Los Angeles
• Transamerica Pyramid, a cikin San Francisco
• 555 California Street, tsohon Bankin Amurka Cibiyar da hedikwatar duniya, a San Francisco
• City Place I, wanda aka fi sani da Cibiyar Kula da Lafiya ta United, a Hartford, Connecticut (ginin da ya fi tsayi a Connecticut)
• Bankin Amurka Plaza a Fort Lauderdale, Florida
• Hasumiyar Bankin Amurka a Jacksonville, Florida
• Bankin Amurka Cibiyar Kudi (Brickell) da Bankin Amurka Gidan Tarihi (Downtown Miami) a Miami
• Cibiyar Bankin Amurka a Orlando, Florida
• Hasumiyar Bankin Amurka a St. Petersburg, Florida
• Bankin Amurka Plaza a Tampa, Florida
• Atlanta)" id="mwBNc" rel="mw:WikiLink" title="Bank of America Plaza (Atlanta)">Bankin Amurka Plaza a Atlanta, Jojiya
• Ginin Bankin Amurka, tsohon Ginin Bankar LaSalle a Birnin Chicago
• One City Center, sau da yawa ana kiranta ginin Bankin Amurka saboda haƙƙin alama, a Portland, Maine
• Baltimore)" id="mwBOA" rel="mw:WikiLink" title="Bank of America Building (Baltimore)">Ginin Bankin Amurka a Baltimore
• Bankin Amurka Plaza a St Louis
• Hasumiyar Bankin Amurka a Albuquerque, New Mexico
• Hasumiyar Bankin Amurka a Birnin New York
• Cibiyar Kamfanoni ta Bankin Amurka a Charlotte, Arewacin Carolina (hedikwatar kamfanin)
• Bankin Amurka Plaza a Charlotte, Arewacin Carolina
• Hasumiyar Bankin Amurka a Charlotte, North Carolina
• Hasumiyar Hearst a Charlotte, Arewacin Carolina
• Dallas)" id="mwBPU" rel="mw:WikiLink" title="Bank of America Plaza (Dallas)">Bankin Amurka Plaza a Dallas, Texas
• Hasumiyar Bankin Amurka a Midland, Texas
• San Antonio)">Bankin Amurka Plaza a San Antonio, Texas
• Bankin Amurka Fifth Avenue Plaza a Seattle
• Cibiyar Columbia a Seattle
• Hong Kong)">Hasumiyar Bankin Amurka a Hong Kong

A shekara ta 2010, bankin wanda ya kasance mallakar Amurka ya kammala gina Cibiyar Bankin Amurka 1 a tsakiyar babban birnin Charlotte. Wadannan sune wasu daga cikin Hasumiyar, da otal ɗin da ke tare da ita, gini ne mai takardar shaidar LEED.

Stuhun gini

Tsohon ginin reshe na Bankin Amurka mai siffar dala a kan Interstate 410 a San Antonio, Texas, a cikin 2013

Ginin Robert B. Atwood da ke Anchorage, Alaska, a wani lokaci ana kiransa Cibiyar Bankin Amurka, wanda aka sake masa suna tare da haɗin gwiwar da bankin ya samu na gina Babban Bankin Tsaro na Pacific. Wannan reshe na musamman daga baya bankin Northrim na Alaska ya samo shi kuma ya wuce kan titi zuwa garejin Linny Pacillo Parking.

Ginin Bankin Amurka (Providence) ya buɗe a cikin 1928 azaman Ginin Amintattun Masana'antu kuma ya kasance ginin mafi tsayi a tsibirin Rhode. Ta hanyar haɗaka da yawa, daga baya aka santa da ginin Bankin Masana'antu da ginin Bankin Fleet. Bankin Amurka ya yi hayar ginin daga 2004 zuwa 2012 kuma ya kasance a sarari tun Maris 2013. Ginin da aka fi sani da Ginin Superman bisa wani sanannen imani cewa shi ne samfurin ginin Daily Planet a cikin littattafan ban dariya na Superman.

Miami Tower a cikin Downtown Miami, wanda aka sani da Bank of America Tower na shekaru da yawa, ya kasance sanannen bayyanar a cikin jerin talabijin Miami Vice. A ranar 18 ga Afrilu, 2012, AIA's Florida Chapter ya sanya ginin a cikin jerin gine-ginen Florida: Shekaru 100. Wurare 100 a matsayin Hasumiyar Bankin Amurka..

Cibiyar Makamashi ta TC TC da ke Houston, Texas, an riga an san shi da Cibiyar Bankin Amurka har zuwa lokacin da Bankin Amurka ya ƙare zaman hayarsa a ginin a watan Yuni 2019. An tsara shi a cikin salon gine-ginen bayan zamani ta mashahurin mai zane Philip Johnson, ginin ya kasance ɗaya daga cikin mafi girma. Abubuwan da aka sani na sararin samaniyar Houston tun lokacin da aka kammala shi a cikin 1983

Dubi kuma

• Jerin mambobi na ATM Industry Association (ATMIA) Kungiyar Masana'antar ATM (ATMIA)
• BAML Capital Partners
• Bankin Amurka (Asia)
• Babban Bankuna Hudu
• Calibuso, da sauransu. da Bankin Amurka Corp., da sauransu.
• Jerin haɗin banki a Amurka
• Jerin manyan bankunan Amurka

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