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{Lender|Standard bank|Loan company} of America (abbreviated as BoA or BofA) is an American multinational {bank|savings|consumer banking} and financial services {company|organization|firm} headquartered in Charlotte, North Carolina. It is the second {biggest|greatest|most significant} bank {keeping|having|possessing} company in the {Usa|Combined|Unified} States by assets.[6] As of 2016, Bank of America is the 26th {biggest|greatest|most significant} company {in the usa|in america|in the us} by total {income|earnings}. In 2016, Forbes {outlined|detailed|shown} Bank of America as the eleventh {biggest|greatest|most significant} company on the globe.[7]
Bank of America provides its products and services through operating 5, {75|95|90} banking centers, 16, three hundred ATMs, call centers, and online and mobile {bank|savings|consumer banking} platforms. Its Consumer {True|Normal|Specific} Estate Services segment offers consumer real estate products comprising fixed and adjustable-rate first-lien {home loans|home mortgages} for home purchase and refinancing needs, home equity credit lines, and home equity lending options.[8]
The bank's 08 acquisition of Merrill Lynch made Bank of America the world's {biggest|greatest|most significant} {prosperity|riches} management corporation and a major player in the investment banking market.[9] {Based on the|In line with the} Scorpio {Collaboration|Relationship|Alliance} Global Private Banking Standard 2014 completely assets under management (AuM) of US$1, 866. 6 Bn, an increase of 12. five per cent on 2013.[10]
The company held 12. 2% of all bank {debris|build up|deposit} {in the usa|in america|in the us} in August 2009,[11] and is one of {the best|the top} {4|Several} banks in the {Usa|Combined|Unified} States, along with Citibank, JPMorgan Chase and {Water wells|Bore holes} Fargo--its main competitors.[12][13] Bank of America operates--but does not necessarily maintain retail {twigs|divisions|limbs}[14]--in all {55|40|60} states of the {Usa|Combined|Unified} States, the District of Columbia {plus more|and even more} than {forty|45|forty five} other countries. It has a retail banking impact that serves approximately {55|40|60} million consumer and {small company|business|small enterprise} relationships at 5, 151 banking centers and {sixteen|of sixteen|18}, 259 automated teller machines (ATMs).[15]
Bank of America has been the subject of several {legal cases|law suits} and investigations regarding both mortgages and financial disclosures dating {returning to|to|back in} the financial crisis, including a record settlement of $16. {sixty-five|sixty five|66} billion on August {twenty one|twenty-one|21 years old}, 2014
The history of Bank of America {times|schedules|date ranges} back to October {seventeen|18|19}, 1904,[1] when Amadeo Pietro Giannini founded the Bank of {Italia|Croatia|France} in San Francisco. {The financial institution|The lender|Your bank} of Italy served the needs of many {migrants|foreign nationals|migrant workers} settling in the {Usa|Combined|Unified} States at that time, a service denied to them by {the present|the current} American banks who were typically discriminatory and often {refused|rejected|dissmissed off} in order to all but the wealthiest.[19] Giannini was {elevated|brought up|increased} by his mother and stepfather Lorenzo Scatena, as his father was fatally shot over a pay dispute with an {worker|staff}.[20] If the 1906 San Francisco earthquake struck, Giannini was able to save all {debris|build up|deposit} out of the {lender|standard bank|loan company} building and away from the fires. Because San Francisco's banks were in smoldering ruins and {not able|incapable|powerless} to open their vaults, Giannini was able to use the rescued {money|cash} to commence lending within a few days of the disaster. From a makeshift desk consisting of a few planks over two barrels, he {given|loaned|mortgaged} money {to the people|to people|to prospects} who {desired|wanted|thought} to rebuild.[21][22][23]
In 1922, Giannini established Bank of America and Italy in {Italia|Croatia|France} by buying Banca dell'Italia Meridionale, the latter {founded|set up|proven} in 1918.[24][citation needed]
In 1928, Giannini merged his bank with Bank of America, Mis Angeles, headed by Orra E. Monnette and consolidated it to bank {coopération|loge|coalition} to create what would become the {biggest|greatest|most significant} {bank|savings|consumer banking} institution in the country. Bank of Italy was renamed on November 3, 1930, calling it {Lender|Standard bank|Loan company} of America National {Reliability|Have confidence|Organization} and Savings Association, which was the only such designated bank in {area|the country} at that time. The resulting company was {going|advancing|went} by Giannini and Monnette serving as co-chairs
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