Table 1: Bank of America board of directors, 2006 6
Table 2: Bank of America Card Statistics, year end 2006 23
Table 3: Revenue, costs and profit for Bank of America, 2002-2006 26
Table 4: Bank of America cashback cards, 2008 31
Table 5: A selection of co-branded airline cards, 2008 32
Table 6: A selection of cruise line co-branded products 33
Table 7: A selection of MBNA cards in the UK, 2008 35
Table 8: Details of MBNA products in Canada, 2008 36
Table 9: A selection of MBNA products in Ireland 39
Table 10: Scorecard logic, part one 43
Table 11: Scorecard logic, part two 44
Table 12: Sources of Bank of America revenue, 2006 46
Table 13: Bank of America credit card charge off ratio, US, 2006-2007 46
Table 14: Bank of America credit card delinquency ratio, US, 2006-2007 47
Table 15: Bank of America, number of cards by country, 2002-2006 47
Table 16: Bank of America, revenue and costs, 2002-2006 47
Table 17: Bank of America revenue sources, 2002-2006 48
Table 18: Bank of America Balance sheet, 2002-2006 48
Table 19: Current relevant Datamonitor publications, 2007-08 49
Table 20: Future relevant Datamonitor publications, 2008 49
Figure 1: Card Services produced 25% of Bank of America earnings in 2007 8
Figure 2: Bank of America is active in the North American, European and east Asian markets 9
Figure 3: Card services sits in the Global Consumer and Small Business Banking division of Bank of America 11
Figure 4: Within cards services, consumer cards in the US generates more than two thirds of the revenue, H1 2007 12
Figure 5: Bank of America is the largest issuer in the US in terms of receivables, 2007 13
Figure 6: Bank of America has more than 6,000 bank branches across the US, 2007 14
Figure 7: Bank of America uses multiple channels to reach potential customers 15
Figure 8: Affinity marketing plays a large part in Bank of America's cards strategy 16
Figure 9: Bank of America has been increasing its card-based lending, 2006-2007 17
Figure 10: The delinquency rates at Bank of America have risen modestly through 2007 18
Figure 11: Bank of America enjoys a low, but climbing, charge off ratio 19
Figure 12: Balance transfer offers: good for the cardholder, not so good for the issuer 21
Figure 13: The acquisition of MBNA considerably boosted Bank of America's card issuance, 2002-2006 22
Figure 14: Bank of America's revenue has more than doubled from 2002-2006 24
Figure 15: Global Consumer and Small Business Banking contributed 56% of Bank of America's revenue in 2006 25
Figure 16: Growing revenue and controlled costs have resulted in Bank of America's profits doubling from 2002-2006 26
Figure 17: Bank of America has a strong balance sheet, 2002-2007 27
Figure 18: All Bank of America Alumni cards have the same basic features 29
Figure 19: Bank of America has a number of charity affinity cards 30
Figure 20: Bank of America provides incentives to encourage consumers to sign up for products 32
Figure 21: MBNA's BT credit card allows consumers to reduce their phone bills 34
Figure 22: MBNA is tapping the green market in Canada, 2008 35
Figure 23: Holders of the Ryanair card receive a bonus flight after their first purchase 37
Figure 24: The Fly and Buy! Card allows cardholders to redeem points to a range of destinations, 2008 38
Figure 25: Datamonitor competitor benchmark - Bank of America 42
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