Diversified range of banking and non-banking financial services & products
  Innovations in products and services give it a major strength in attracting customers
  Convenience (online banking, mobile banking, large retail branch availability)

Weak wholesale banking operations
 Not as nimble as smaller, regional operators
  The company has lost the ability to compete head-to-head in an environment where it lacks a size advantage
 Fails at handling public relations
 Failing in social media presence
 Declining net interest margins
 
 

Expansion in international markets
 Further consolidation in the banking industry
 Merrill Lynch acquisition
 
 

Financial economic turmoil
  Restrictions in capital markets
  Integration of Merrill Lynch
 Bad Publicity