Business essays

free essayWells Fargo is a financial services company with assets amounting to approximately $1.9 trillion. It was established in 1852 with headquarters in San Francisco. In fact, it has about 269000 employees in 42 countries and territories across its more than 90 businesses (CNN Money, 2017). It offers different services, such as insurance, banking, investments, mortgage, and consumer and commercial financial services through over 8,600 locations, 3,000 ATMs, online web site, and mobile devices (CNN Money, 2017). It conducts business with around seventy million customers and one in three US households. The company’s main objective is to gratify the financial needs of their customers and help them prosper financially.

CSR at Wells Fargo

Corporate Social Responsibility (CSR) at Wells Fargo is based on a decision to care for the communities that have assisted in the company’s growth and prosperity for more than 160 years. CSR has also enabled the company to succeed in the present and the coming years by cosidering the economic, social and environmental challenges (Wells Fargo, 2017). In April 21, 2016, Wells Fargo pronounced an incorporated and organization-wide CSR policy aimed at undertaking global economic, social, and environmental challenges for the coming 5 years via organizational operations and culture, its product/services offers, and corporate philanthropy (Wells Fargo, 2017). CSR is an important element of Wells Fargo’s business strategy.

In addition, Well Fargo has developed new CSR goals, including support of local governments’ environmental efforts, lending money to small-scale businesses, investments in the community, efficient organizational operations, and philanthropic efforts by 2020 (Wells Fargo, 2017). The approach, which was disclosed as the 2015 CSR publication by the company, reveals the following objective. The firm will center its attention in the near future on recognizing and reacting to three significant priorities, such as the cultural and demographic adjustments occurring in the society, the financial requirements of poorly served communities and individuals, and the effects of global warming and conservation of natural resources.

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Wells Fargo’s plan reveals the company’s sturdy commitment to offering hands-on solutions to the problems faced by the communities and its customers. The incoming 2020 CSR objectives are based upon Wells Fargo’s preceding objectives, most of which have been attained prior schedule, including supplier diversity, community progress funds, volunteer hours, and environmental financing (Wells Fargo, 2017). With regard to philanthropy, the firm anticipates to provide over $665 million dollars by the year 2020 to cater for economic, social and environmental needs (Wells Fargo, 2017). The major CSR commitments at Wells Fargo concern diversity and social inclusion, economic empowerment, and environment sustainability; all of them are discussed in the subsections below.

Inclusion and Diversity

The company has developed 2020 CSR program concerning social dedication that seeks to improve its capacity to address the requirements of the progressively diverse market base in order to promote a culture of inclusivity. In addition, the company focuses on increasing the chances for diverse customers, talents and suppliers. Wells Fargo has adopted numerous initiatives to achieve diversity and inclusion. Frist, the company has set aside $100 million to cater for vital social needs, such as social inclusion and women development (Wells Fargo, 2017). Secondly, Wells Fargo is investing in promising technologies as well as innovative solutions in order to help meet the needs of its customers. Thirdly, the company is spending at least 15% of its procurement funds with suppliers drawn from different backgrounds (Wells Fargo, 2017). Lastly, Wells Fargo is aiming to increase opportunities available to women in its staff composition (Wells Fargo, 2017). Overall, these strategies show Wells Fargo’s commitment to promote inclusion and diversity.

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Economic Empowerment

Economic empowerment is the second important component of CSR strategy at Wells Fargo. In fact, the company has engaged in numerous activities to achieve economic empowerment of the societies where it conducts its operations. First, the company donates $500 million towards significant economic needs, including inexpensive housing. Secondly, it allocates around $150 billion to help fund mortgages for the minorities. Thirdly, it offers education to homebuyers and down payment support to over 4,000 low-income buyers (Wells Fargo, 2017). Forth, Wells Fargo is assisting in the development and improvement of about 1000 homes in the next three years, as an act to promote affordable housing schemes serving both moderate- and low-income households. In addition, the company devotes around $75 million to assist various small business owners in accessing capital and technical aid (Wells Fargo, 2017). Finally, the firm offers credit scores to customers to help them manage their finances (Wells Fargo, 2017). Through these activities, Wells Fargo has been able to empower communities economically.

Environmental Sustainability

A crucial part of the company’s CSR is environmental sustainability. The company focuses on enhancing its operational efficiency and making investments in the development of clearn energy (Wells Fargo, 2017). Moreover, it has prepared several initiatives to enable the achievement of environmental sustainability. First, Wells Fargo donates about $ 65 million to charitable organizations dealing with environmental conservation, education, and clean energy. Secondly, the company is acquiring renewable energy technology for powering its operations as of 2017. In addition, the company focuses on decreasing the usage of water by around 65%, on growing its energy efficiency by almost 40%, and minimizing carbon emissions by about 40%. Furthermore, the company engages in permanent funding and investment in viable business opportunities and is involved in the development of novel solutions and products geared towards addressing environmental needs (Wells Fargo, 2017). Therefore, through these approaches Wells Fargo provides an opportunity for the communities it serves to enjoy a sustainable environment.

From the 2015 CSR report, the company documented crucial CSR milestones. First, Wells Fargo has provided about $ 281 million to 16300 not-for-profit organizations to support acute community requirements (Wells Fargo, 2017). Second, the company has cut its water usage by almost 47% and improved running energy efficiency by almost 26% during 2012-2015 period (Wells Fargo, 2017). Third, Wells Fargo donated over $52 billion to useful environmental businesses since 2012 (Wells Fargo, 2017). In addition, the company made an investment of $7.6 billion to cater for community development initiatives (Wells Fargo, 2017). Moreover, Wells Fargo employed over 1500 veterans (Wells Fargo, 2017). The company has also allocated 12% of its procurement budget to suppliers from diverse backgrounds (Wells Fargo, 2017). These accomplishments are among the many more that have to be attained by Wells Fargo in the near future.

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Incidences at Wells Fargo

Wells Fargo has experienced several incidences. The most recent scandal concerns the creation of fake accounts. This was revealed by a dozen of Wells Fargo employees who confessed to CNN Money that the outrageous tactic, according to which employees opened unauthorized accounts to cater for unrealistic sales goals, had been ongoing for a longer period than the bank realized (CNN Money, 2017). Susan Fischer, a former Wells Fargo branch manager, who worked at the bank for a period of five years since 2004, claimed that these practices started before 2011, though she was not certain how far back the fake account scam proceeded, nor how extensive it was.

Americans were astonished to find out that Wells Fargo workers had opened as many as two million fake accounts since 2011 with 5300 credit cards (CNN Money, 2017). In fact, the workers transferred funds from existing customer accounts into newly formed ones without their approval. Customers were therefore levied for inadequate funds or overdraft since there wasn’t enough money in their original accounts. Furthermore, Wells Fargo employees also handed in applications for 565443 cards without their customers’ authorization (CNN Money, 2017). Estimates suggest that almost 14000 of those accounts suffered over $ 400000 in tolls, including interest charges, annual levies, and overdraft-protection fees (CNN Money, 2017). The bank contracted to pay $185 million in fines, where $100 million will go toward the CFPB’S Civil Penalty Fund, $35 million to the Office of the Comptroller of the Currency, $50 million to the City and County of Los Angeles, and $5 million to refund customers (CNN Money, 2017).

These fines served as a penalty for Wells Fargo and as a corrective measure for the fraud accounts incidences.

The Occupational Safety and Health Administration (OSHA) also ordered Wells Fargo to pay the main whistleblower award to an individual in the agency’s history. They insist that Wells Fargo must compensate and restore immediately the former manager, who worked in Los Angeles, and was terminated in 2010 (CNN Money, 2017). According to the agency report, Wells Fargo retaliated against the worker after he disclosed distinct incidents of alleged mail, bank, and wire fraud by two bankers under his supervision. This also came as a strike to Wells Fargo’s image as a whole.

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Recommendations to Wells Fargo

There are several recommendations that foster the development of Wells Fargo. Wells Fargo should carry on with the implementation of relationship-based banking, and despite its present scandal, this characteristic would remain its competitive advantage. Moreover, relationship banking has verified to lead to high customer retention, even though larger banks are often unable to be implement it (Wen & Song, 2017). Most concentrate on transactional banking thus allowing Wells Fargo to gain a large market share unlike its competitors. Therefore, with a wider market at its disposal, Wells Fargo economy is certain to prosper.

In addition, project compass is a cost effective initiative that will enable Wells Fargo to survive the major challenges facing the industry, including persistent tightening of credit standards, increased regulatory capital standards, litigation among others (Paul, 2017). The initiative is anticipated to cut down noninterest expense without deterring hiring process and further development. Instead, it will advance its strong capital position and will enable further increase of dividends and share repurchases as regulators continue to permit.

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Wells Fargo, as a leading global financial services company, pays a keen interest in the social, economic, and environmental challenges knowing that the success of the customers and communities they serve is in their best interest. They strive to achieve this through such key factors as economic empowerment, diversity and social inclusion and environmental sustainability. Though Wells Fargo has been hit hard by the previous events that have befallen the company, such as the fraudulent accounts incident, which baffles masses, Wells Fargo has managed to retain most of its clients. This was achieved through various corrective measures such as payment of the fine, compensation to the affected customers, and apology to the public. Furthermore, with implementation of the recommendations including project compass and relationship-based banking, its advancements are anticipated to reach greater levels.

Wells Fargo Corporate Social Responsibility

Wells Fargo is a financial services company with assets amounting to approximately $1.9 trillion. It was established in 1852 with headquarters in San Francisco. In fact, it has about 269000 employees in 42 countries and territories across its more than 90 businesses (CNN Money, 2017). It offers different services, such as insurance, banking, investments, mortgage, […]

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Business-Level and Corporate-Level Strategies of Starbucks

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Encouraging Small Scale Business

The state is often under strain when it comes to joblessness. Whenever there is an opportunity that can offer solution to the case of unemployment, the government is advised to boost such initiatives, because it helps in unifying the community, since it empowers the society in the financial terms. Over the years, it has been […]

Southwest Airlines Strategies

This publicly traded company is based in Dallas. Southwest Airlines operates the passengers’ airlines and offers a scheduled transportation by air. The company operates 694 aircrafts, performing about 3,200 flights daily (Gittel, 2005). Additionally, Southwest Airlines closely cooperates with hotels, car rental agencies, restaurants, and retail locations for offering a wider range of services to […]

Web 2.0 Technologies

The Knowledge Management (KM) Business Problem Facing TPMT One of the key knowledge management (KM) business problem facing TPMT is the lack of an effective mechanism to manage excellent relationships with its customers, hence the inability to derive the most accurate information relating to their product demands. It is noted that most of the agents […]

Tommy Hilfiger Case Study Report

First of all, it should be noted that the main goal of each enterprise is making a profit from its activity and attraction of new clients; consequently, it tends to reach this goal. If a company reaches the intending aims on the domestic market, the highest management of the company takes a decision to entry […]

Price Elasticity of Red-Bull

This research is to determine the price elasticity of Red-Bull energy drink in Los Angeles. The demand elasticity of demand of a product determines the responsiveness of demand of the product with change in its price. Therefore, this research concentrates on predicting the elasticity extent of demand of red-bull energy drink. In determining the responsiveness […]

Change Management of Nike Company

In a world full of dynamism and change, many companies go through some form of organizational change. According to Jones (2010), organizational change is the process of facilitating alterations in strategies and policies of a firm in order to manage firm’s present and future goals and objectives to increase effectiveness of the company. Organizational change […]

Communication Strategy of Coca Cola

Communication is a crucial tool that both small and large corporations use to access resources they require for management (Belasen, 2008, p. 45). Without an effective and incorporated communication system, corporations fail to develop appropriate structures for their business communication strategies. Since business communication involves selectively communicating company’s objectives and views to stakeholders, who are […]

Google Inc.

Google is the only company that blurs the boundaries of management and establishes its own rules. One of the goals is to maintain its personnel with the best conditions to generate the product that will be helpful for future generations, Inc. organizational culture, its organizational structure, power and control that the company gives its personnel […]

Schneider Electric’s Future Financial Health

Operations of Schneider Electric can be traced from early 1800’s. The company has had operations in various industries including: ship building, steel and iron industries, as well as heavy machinery. However, Schneider Electric has been constantly scaling down its operations in other industries, so as to avail more funds towards investing in energy (electricity) provision. […]

Apple Company Communication with Customers

Communication is very vital on individual level as well as on the level of organization. Efficient communication enables people to solve different problems that can cause a major setback to the company (Lenz 1999). In addition, communication allows people to share their thoughts and feelings concerning their work, which allows incorporating different ideas together and […]

Business Finance Project: Phillip Morris (PM) and Lorillard Inc. (LO)

What Does these Businesses Have in Common These businesses operate the largest cigarette production across the globe. For instance, PMI boosts of producing about 7 of the worlds’ 15 international cigarette brands. The company is the sole producer and distributor of Marlboro: a leading cigarette brand across the globe. On the other hand, Lorillard Inc. […]

Strategic Management in General Electric

General Electric Company (GE) is a financial services and a diversified technology multinational conglomerate organization that is incorporated in the United States. It was founded in the year 1892 due to amalgamation of Thomson-Houston Electric Company and Edison General Electric Company. GE deals with technology, monetary, and media services. It is considered one of the […]

Amazon Ratio

The Amazon Company is one of those Fortune 500 electronic based commerce companies; its main office is in Seattle. Amazon was founded in 1994 by Jeff Benzos. The company deals with advertising and selling music CDs, books, software, video games, VHS tapes and DVD, clothing, furniture, toys and food items. Current Ratio The ratio is […]

FedEx Strategies

FedEx is the company that pushed the development in the small package express delivery industry by Fred Smith’s vision of the overnight delivery. In addition, this company made a difference between passengers and packages transportation by using different types of aircraft and another schedule. During the industry’s history in USA, business models have been changed, […]

Wal-Mart and Bharti

In 2006, Indian company Bharti Enterprises Ltd and American Wal-Mart created a joint venture and a partnership. Bharti owned the franchise of Wal-Mart and opened stores in India. It helped Wal-Mart to enter a highly regulated retail market of the country. The partnership was expected to modernize Indian retail market. At the same time, Wal-Mart […]

Verizon Communications, Inc

The fact that every single thriving organization plans its further performance on a regular basis cannot be ignored. The planning usually includes analysis and evaluation of company’s current capacities because they will be mobilized in a particular way, in order to achieve a desired goal. Many successful companies become exceedingly confident regarding their excellent performance, […]

History and Importance of Coca-Cola Trademark

One of the most widely recognized logos in the world is the Coca-Cola logo. This company has been able to build a soft drink empire with the vigorous protection of its intellectual property, achieving unimaginable success over the years. Being a universally recognized brand, Coca-Cola has been a part of the national and global culture […]

Airbnb: Online Travel Resource

Natural division of human interest in the information field into segments forms a plurality of virtual communities that connect people by their passions and needs. Groups of people, who may never have met in the real physical world, have a chance to receive information in these communities and, moreover, influence the behavior and decisions of […]

Starbucks Corporation

Mission, Vision, and Stakeholders Starbucks is one of those legendary companies, which have its own set of core competencies. Starbucks focuses on outstanding customer service, quality, continuous expansion of the coffeehouse chain, and continuous product improvement. Quality became an essential part of the company’s performance long ago. It finds itself in all processes within the […]

RMCF International Franchising Activities into Singapore

Companies pursue international expansion for various reasons: to gain global market share, expand into new markets to take advantage of new customers, and enhance the cost-effectiveness of their operations. Companies operating in highly competitive markets or nearly saturated home markets may court international expansion to foster future growth. Rocky Mountain Chocolate Factory (RMCF) is a […]

The Strategic Approach to Employee Training and Development

The intense competition and constant emergence of new challenges force companies to apply the strategic approach to employee training. This brings benefits to both employees and employers. Strategic Nature of Employee Training and Development Employee training and development is the process within an organization that involves gaining or transferring knowledge, skills, and abilities required for […]

Tesla Cars in the UAE

The situational analysis performed is intended to provide a framework for Tesla Motors’ future strategy in surviving in the highly competitive UAE environment. Tesla Motors is an established car company majoring in the manufacture of electric cars and battery (Becker & Sidhu, 2009). Moreover, the company provides powertrain components to major car producers on a […]

Yahoo and Amazon: Building a Competitive Advantage

Describe, in brief, the histories of both of and, and determine the core business of each. Amazon Inc. is an international e-commerce firm that was founded by Jeff Bezos in 1995 with its headquarters in Seattle, United States.Amazon Inc. is an international e-commerce firm that was founded by Jeff Bezos in 1995 with […]

Amazon Management Information System

The rapid development and dissemination of new information, as well as telecommunications technology today acquires the character of the global information revolution, which has a growing influence on politics, economics, management, finance, science, culture and other social spheres within national borders and in the world as a whole. One of the most important tasks of […]

Benefits of Electronic Communication Tools in Family Sized Firm

Electronic communication is a modern way to manage communication between employees in the family sized firms. It is used to transfer different types of data and information in a form of text messages, audio and video or imagery. In fact, it was revealed in the end of the 20th century and has a growing acceptance […]

Communication Skills in Negotiation

Negotiation involves reaching an agreement between two or more parties that have dissimilar goals and needs that require compromise. Ideally, the agreement should stand to benefit each of those parties. In negotiations, groups or parties resolve matters by holding formal discussions and reaching a mutually agreeable position. Negotiations assist stakeholders in settling their differences. Such […]

The Strategy of Microsoft

Microsoft is a multi-national corporation that has its headquarter in Washington, the U.S.A. The organization develops computer software. Since its inception in 1975, the company has registered a tremendous growth up to date. Microsoft’s strong base is attributed to the strong strategies the company has put in place. Today, Microsoft is the biggest software maker […]

ISO Implementation Company

ISO 9001:2008 quality management standards certification is recognized worldwide and is developed to offer basic conceptual as well as structural adjustments that will help achieve consistency with customers as well as the preferred product quality. The certification sets out the criteria for quality management systems, based on quality management principles which include strong customer focusing, […]

Chevron Corporation Business and Corporate Level Strategies

Chevron Corporation is a multinational corporation that engages itself with international business operations and activities in the global vast energy industry. Chevron Corporation is the American company, and it is headquartered in San Ramon, California. It is one of the biggest companies in the world, both in terms of revenue and market capitalization, since it […]

Proposal for China Southern Airlines in China

China Southern Airlines is a reputable air travel company that always tries to deliver the best for all stakeholders. It is worth appreciating that the company is one of the big three companies in China and the world’s sixth airline company measured by the number of passengers carried. Corporate social responsibility (CSR) has been improving […]

Hyundai Motors

The object of the research is Hyundai Motors Company. It was founded in 1967 and started its development in Seoul, Korea. The company follows a rapid pace of development and has already built new plants in Europe and USA. In fact, the company is an object of interest, as long as it remains in the […]

Sustainable Talent Management

Developing a sustainable business is the role of corporate leaders. Talent management for the future staff is significant to the success of organization. However, with a dynamic business environment, leaders face the challenge in leveraging the workforce to attain a sustainable and competitive advantage. As a result, organizations prioritize an environment for the talent management […]

Nestle and Communication

Organizational communication plays a significant role for a company’s management as it serves as a foundation for planning and a platform for the implementation of the future strategic changes. It serves as a way to promote motivation by sending to employees a clear message how tasks should be done and what improvements are needed for […]

The Organizational Structure of Apple Computers Incorporated

In the strategy to meet the objectives that an organization has set for itself, organizations need to find ways in which they will arrange and structure their functions. In coming up with the appropriate structures of organizations, these institutions look take into consideration such factors as their main functions and purposes. These organizations also consider […]

Procter & Gamble in the China Market

Procter & Gamble, abbreviated as P&G, is one of the popular international daily global consumer goods firms. P&G has witnessed rapid development in oversea and hometown marketing since its inception in 1937 (P& G, 2011). Since then, the company has expanded to at least 80 countries, and has employed at least 127000 people. P&G has […]

Leadership and its Affects on a Business

Businesses are set up with the intention of growing and continuing to exist and achieve their set goals. To accomplish that, the management needs to have the staff and objectives in mind. How management style contributes to the success or failure of a business is a sophisticated topic with several factors playing different roles (Anderson, […]

Credit Risk: Models, Derivatives, and Management

Credit risk refers to the allocation of financial losses that can occur based on unpredictable changes related to credit quality in terms of a financial agreement. The nature of credit loss distribution is sophisticated because the default probability resulting from failure to adhering to the financial agreement is presented. In order to evaluate the default […]

Trade Secret as Part of Intellectual Property

At the present stage of social development, information becomes a commodity, so its receipt, storage, transfer, and use obey the laws of commodity-money relations, and therefore success of any commercial activity depends on the competent handling of information flows. Every entrepreneur has the right to protect his or her interests and protect information valuable for […]

Company’s Name is NOKIA

Nokia is a leading mobile company that conducts its business globally. As any other prosperous company, Nokia provides its compensation services for either customers or employees. The basic principles of Nokia’s philosophy are to attract, motivate and retain the talented workers. In order to cooperate with experienced staff and get success in rapidly evolving and […]


ECCO has been under Karl Toosbuy’s management and guidance until he died in 2004. His values, spirits and objectives for the company have influenced its success today. He created a strong brand across Europe expanding its market and appreciation across the continent. The company’s growth has increased with demand for its brands growing across the […]

Organizational Structure of

Jeffrey Bezos, the head of, and a team of nine committed directors who form the top leadership level of the company help in running This group of directors and the executive officers are involved in all decision-making processes ensuring that the company remains its positions in e-commerce. At the top leadership level, […]

McDonald’s Logistics

McDonald’s is a popular corporation famous for the supply of fast food products all over the world. The business has been very successful and enjoyed serving over 70 million customers with its products globally (McDonald, 2011). The success depends on the exceptional logistics organizations that sustain the supply chain. Because of its exemplary performance in […]

Holacracy in Zappos: Advantages and Disadvantages

In June of 1999 with $150,000 Nick Swinmurn founded an online powerhouse called His main idea was to make the site different and propose shoes in all sizes, colors and styles. Nick also wanted the customers all over the world to have an opportunity to buy these products. In July of the same year, […]

Trending News from Costco Wholesale Corporation

Highlighted below is information relating to the Costco wholesale corporation The corporation together with its subsidiaries operates membership warehouses in many countries including USA, UK, Puerto Rico, Mexico Australia, Taiwan Korea and Japan. The corporation purchases almost all of its merchandise from the manufacturers and later transports them to their depot or to the warehouse. […]

Organizational Design and Culture at the Aldi Stores

Introduction Organizational design can be defined as the way an organization is structured to run. It involves the distribution of power, decision making capabilities and even specified roles and responsibilities within the organization. The culture of an organization, on the other hand, constitutes the existing organizational behavior including issues like employee empowerment, motivation, satisfaction and […]

Organizational Change

Question 1: Interbrand as an Innovative Company Interbrand organization has realized that it must adapt to the vast changing world and consumer tastes and preferences for it to remain competitive in the market (Collins, 2001). The organization has managed to remain competitive due to the fact that providing quality services remains its key priority. Consequently, […]

Aspects of Business Communication

Communication is essential for any business be it to clients, to senior employees, to junior employees, or to the public at large. Being able to communicate effectively is one of the steps to the company’s success. One can be very good in giving services to clients, but the inability to communicate well can limit his […]

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