7.Bank of America ( BAC) offers a range of services including investment, asset management and financial and risk management products and services. Provisioning for credit losses in the second quarter of 2011 declined 60% compared to the corresponding quarter in 2010. Net charge-offs fell for the fifth consecutive quarter, indicating enhanced credit quality across the consumer and commercial portfolios and underwriting changes implemented earlier. Bank of America extended credit worth $147 billion, including $84 billion in commercial non-real estate loans, $11 billion in commercial real estate loans, and the rest to consumers and small businesses. Regulatory capital ratios were higher than the earlier guidance with the Tier-1 common equity ratio at 8.23% at the end of the quarter and Tier-1 common ratio above 8%. The stock trades at 6.4 times its estimated 2011 earnings with a consensus of analysts projecting an upside of 66% over the next the next year.