Several leading market positions in key lending lines, including retail residential mortgages Strong diversification of business segments and revenues Strong capital levels, with metrics among the highest of the peer group Loan growth consistently outpaces deposit growth Standard&Poor's Ratings Services' ratings on Wells Fargo&Co. reflect the company's consistently strong operating results and the strength of its retail banking franchise, which distinguishes Wells Fargo from its large bank peers. Wells Fargo's core funding base continues to carry the lowest cost among its large bank peer group, and its strong market position in several consumer and commercial retail lending businesses generates steady growth of core profitability. The depth of the banking franchise and the controlled credit and interest
