美国银行

????《财富》500强排名：21

????2012年销售额：1,001亿美元（6,146.14亿元人民币）

????2012年总回报率：109.7%

????美国银行（Bank of America）是美国第二大银行。监管部门认定它的缓冲资金足以避免它在新一轮全球金融危机中倒闭，股东们也因此稍稍松了一口气。

????美银是2012年金融板块表现最好的个股之一，股价上涨了109%。因此，投资者越发相信这家行拥有的资金可以满足新的国际标准。

????2011年，美银首席执行官布莱恩?莫伊尼汉曾要求增加分红，但监管机构的否决让他陷入尴尬境地。和2011年不同的是，2012年美银面临的戏剧性场面较少。它没有提高1美分的季度分红或者回购股票，而是计划在消化按揭贷款相关损失的同时，继续积累资金。

????莫伊尼汉正在领导美银开展长期削减成本计划。到2013年底，这家银行每季度可节约开支15亿美元（92.1亿元人民币），到2015年中期每年可降低成本20亿美元（122.28亿元人民币）。

Bank of America

????Fortune 500 rank: 21

????2012 sales: $100.1 bil

????2012 total return: 109.7%

????Shareholders breathed a sigh of relief when regulators determined the nation's second-largest bank had enough cushion money to prevent it from collapsing if the world was struck by another financial crisis.

????Bank of America was one of the financial sector's best performing stocks in 2012, with shares surging 109%. Investors grew confident it had the capital it needs to meet new international standards.

????And unlike last year, when Chief Executive Brian Moynihan was embarrassingly rejected by regulators when he asked to raise dividends, there was less drama in 2012. Rather than hiking the bank's penny-per-quarter payout or buy back shares, BofA plans instead to continue building capital as it works to absorb mortgage-related losses.

????Moynihan is leading the bank through a long-term cost-cutting program, where it would save $1.5 billion a quarter by the end of 2013 and $2 billion annually through the middle of 2015.