Server: Netscape-Commerce/1.12 Date: Thursday, 18-Dec-97 12:18:39 GMT Last-modified: Tuesday, 04-Nov-97 23:57:57 GMT Content-length: 8656 Content-type: text/html Executive Views Bank of America
EXECUTIVE VIEWS
BankAmerica's views on financial services subjects are presented in a variety of venues around the world. In this space, we'll put up a few sets of remarks on important issues that we believe may be of interest to the public.

Recent Executive Speeches

"To sustain our current employment levels in a mature economy with 3 percent GDP growth, the U.S. must sell to those emerging markets that are enjoying growth levels two and three times faster than ours... And as hard as it may be to accept in the most powerful economy in the world, to do this in an increasingly competitive world we must continue to adapt faster, we must compete smarter, and we must act more boldly and with a broader vision.
Make no mistake: The world is watching . . . but it is not waiting."

"Global Realities"
Remarks by Chairman and CEO Dave Coulter
Pittsburgh, Pennsylvania
18 May 1997


"Last year, when I spoke to shareholders at the annual meeting for the first time, I identified an overall goal I had set for the company. I said then that we wanted to make BankAmerica the best place to bank, the best place to work, and the best place to continue to invest.... There is one more thing that I think can help us to be the best: you."

Remarks at the Annual Meeting of Shareholders by Chairman Dave Coulter
Los Angeles, California
22 May 1997


"We all have a decision to make about the common good. We can be bound by close horizons, or we can behave like leaders. We can demand of our representatives a sense of urgency in addressing the crisis in Social Security. We can demand of our representatives a solution that is broad-minded, thorough, and fair. We can demand a return to values like personal accountability and responsibility. And we can demand that demagoguery will not be tolerated."

"The Social Security Crisis: a Search For Solutions"
Excerpted remarks by Chairman and CEO Dave Coulter
Palm Springs, California
March 3, 1997


"You and I in this room may grasp the benefits of a global economy and free trade. The fact is that across this country, a good many people, some thoughtful and some not so thoughtful, simply think we're wrong. They think that trade should be limited, American jobs protected, and domestic industries insulated... The challenge is to convince ourselves and our colleagues to look beyond a short-term "win-lose" view, to see the real long-term advantages and benefits of free and open global trade."

Keynote Remarks: University of Washington School of Business Annual Business Leadership Banquet
by Chairman and CEO Dave Coulter
Seattle, Washington
17 October 1996


"As individuals, we must move from an entitlement ethic to a savings ethic, or what former Commerce Secretary Pete Peterson recently called a "self-endowment national ethic." At present, however, we are acting like a nation in denial. We personify the definition of insanity – which is, doing the same things over and over and expecting different results. Instead, we must become a nation of savers once again, living within our means and endowing our nation's future by creating the seed capital for investment."

"Our Future is Worth Saving"
by Chairman and CEO Dave Coulter
Los Angeles, California
17 September 1996


"Our goals, in essense, are very simple. We want BankAmerica to be the best place to bank, the best place to work, and the best place to continue to invest. To me, that means keeping our focus on providing customers the services they want, when, where, and how they want them. It means recruiting the most talented people in the buisness, motivating them to do their best work, recognizing their efforts, and rewarding them appropriately. Above all, it means running the bank for you, the shareholders, weighing all of our decisions according to the impact they will have on long-term shareholder value, investing only in those businesses which we believe can give us an appropriate long-term return for the risk involved, and showing you with our results that BankAmerica Corporation is a place in which you want to continue to invest."

Remarks at the Annual Meeting of Shareholders
by Chairman Dave Coulter
San Francisco, California
23 May 1996


"I believe that the financial services industry is on the verge of a new era of growth and strength for four basic reasons: first, industry leaders are building strong new franchises that expand the scope and breadth of their business; second, the pace of technological change is accelerating and, while often challenging, has many positive implications for our daily activities; third, the increasing globalization of world capital markets gives us new opportunities to act as financial intermediaries; and fourth, it appears to BankAmerica that the California economy is rebounding, which gives all of us a near-term favorable environment in which to do business."

"The Financial Industry in the Nineties"
by CEO Dave Coulter
Fresno, California
22 February 1996


"Genuine and sustained community development cannot be achieved by one company, or even by one industry. To be successful, it will require partnerships and alliances that transcend individual agendas. It will require market-based models of community development that are motivated by solid business strategies, including long-term profitability. And it will take a good-faith, genuine commitment on the part of everyone here today, and our counterparts throughout the country."

"The New CRA: Sustaining our Communities"
by President Dave Coulter
Federal Reserve Conference
San Francisco, California
1 December 1995


"I've been a banker here in San Diego for 20 years. During that time, I've seen the industry change a great deal. I've seen bankers' hours replaced by 24-hour service. I've seen government deregulation herald an era of unparalleled convenience and unyielding competition. I've also seen our city lose a number of its major financial institutions in the industry's nationwide trend toward consolidation. But today, more than ever, I believe that where a company is headquartered matters less than what it contributes to the community. By that measure, I think we are very much a local company. The bank is proud of its partnership with San Diego, and we look forward to working with everyone here to make this city -- our city -- an even better place to live and work. "

Remarks, San Diego Banking Forum
by Executive Vice President Doug Sawyer
Manager, Southeast Region, Bank of America NT&SA
San Diego, California
4 October 1996

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