Sample cover letter for Internship position at Facebook

Our return on assets (ROA) was 0.74

perce

nt. Our longer-term

target is 1.00

perce

nt. The gap shows we still have work to do.

However, our target is realistic, driven by continued loan growth

and good core expense management. Expenses, excluding the

large drop in litigation, were down nearly $3

bill

ion last year,

and we expect expenses to decline again in 2016.

In December, we saw the first increase in short-term interest

rates in nearly a decade. And, while interest rates are still a

long way from normal, this move reflects a steadily improving

U.S. economy, which has continued into early 2016. We see

consumers spending and businesses growing, and it’s our job

to help them. We will continue to drive the core business

growth, even in a below-trend economic environment in the

U.S. and around the world.

The $16

bill

ion we earned in 2015 reflected progress across

a range of measures: loan growth, business activity, capital,

liquidity, credit improvement and cost management. Here are

just a few examples of how our team supported customers

and clients.