Leading market positions in key lending lines, including retail residential mortgages Strong diversification of business segments and revenue Strong capital levels, with metrics among the highest of peer group Loan growth consistently outpaces deposit growth The ratings on Wells Fargo&Co. (Wells Fargo) are the highest assigned to a U.S. banking company by Standard&Poor's Ratings Services. The company's primary operating subsidiary, Wells Fargo Bank N.A., is one of only two banks globally with a 'AAA/A-1+' rating. The ratings for Wells Fargo and its banking subsidiaries reflect the company's leading market positions in several of its core regional banking business lines, the consistency of core profitability, and industry-leading capital measures. The strength of the company's capital position distinguishes
