第一资本信贷Capital One Financial Corporation (COF) 1997年年度报告「NYSE」.pdf

1、2980 Fairview Park DriveSuite 1300Falls Church,VA 22042-4525(703)205-Wired for InnovationCapital One Financial Corporation 1997 Annual ReportCapital One Financial Corporation 1997 Annual ReportCapital One Financial Corporation,headquartered in Falls Church,Virginia,is a financial services company wh

2、ose principal subsidiariesCapital One Bank and Capital One,F.S.B.offer consumer lending products and services and are among the largestcredit card issuers in the world.Capital Ones subsidiaries collectively have approximately 11.7 million customers and$14.2billion in managed loans.The Company has ne

3、arly 6,000 associ-ates and offices in Richmond,Fredericksburg,and Falls Church,Virginia;Tampa,Florida;Dallas/Fort Worth,Texas;and Londonand Nottingham,England.Capital One has grown dramatically due to the success of ourproprietary information-based strategy and sophisticated analyti-cal techniques t

4、o identify,manage and rapidly exploit businessopportunities.The common stock of Capital One Financial Corporation is listed on the New York Stock Exchange underthe symbol COF.Capital Oneis a registered trademark of Capital One Financial Corporation.About the CompanyPage 1Financial SummaryPage 2To Ou

5、r StockholdersPage 7Wired for InnovationPage 161997 Financial PresentationPage 56Corporate InformationPage 56Directors and OfficersDesign:The Graphic Expression,Inc.,New YorkYear Ended December 31Percent(Dollars in thousands,except per share data)19971996ChangeEarnings:Net interest income$383,138$36

6、5,4844.83%Non-interest income1,069,130763,42440.04Non-interest expense883,978713,18223.95Net income189,381155,26721.97Tax rate38.0%37.5%1.33Per Common Share:Basic earnings(1)$2.87$2.3422.65Diluted earnings(1)2.802.3220.69Dividends.32.32Book value as of year-end13.6611.1622.40Market pricesYear-end543