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Giannini was able to save all of the deposits, and thus unlike many banks, had money to lend when the costly reconstruction began.
In 1929 the Bank of Italy merged with the Los Angeles based Bank of America in part due to their advanced bank branching system. The combined company was headed by Giannini and held the name Bank of America. By the outbreak of WWII, Bank of America through aggressive progression of their branch-banking concept had become the largest bank in California.
After WWII, California became the nations fastest growing state, as well as that with the highest use of checking accounts...
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