Shelly's Model Agency | 5th Largest Bank

Shelly's Model Agency gives insight on the country's 5th largest bank. New regulations and record-low interest rates (which compress profits, since banks can't charge much for loans). But it is insulated by it's sizable payment processing business, which helps retailers handle electronic transactions. It's a nice earnings stream that doesn't require a significant amount of capital. Of all the big commercial banks in the country, U.S. Bancorp reaps the highest return on equity and the highest return on assets.

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