第一资本信贷Capital One Financial Corporation (COF) 2016年年度报告「NYSE」.pdf

1、2016 Annual Report2016 ANNUAL REPORT2Chairmans Letter to Shareholders and FriendsEvery Monday morning at Capital One,newly recruited associates walk into our buildings for the first time.Engineers and analysts.Designers and data scientists.Commercial bankers and customer service professionals.For so

2、me,its their first job.For others,its a new chapter in an established career.But for all of them whether they are in New York,Richmond,San Francisco,Chicago,Texas,Canada,the United Kingdom,or our headquarters outside Washington D.C.its an opportunity to challenge themselves.To take a chance on somet

3、hing different.To join a growing,mission-driven company that is fully invested in a digital transformation of who we are and how we work.An Improbable StoryTwenty-five years ago,the world was changing.The availability of data was exploding.Advances in technology were enabling new ways to leverage in

4、formation and analytics to drive decisions.We were a small start-up with a big dream to create an information-based technology company that could take on the big banks and challenge the status quo,beginning with credit cards.Most companies focus on where they are and what they can do to incrementall

5、y improve.We developed our strategy by obsessing about where the world was going.We worked backward from what it takes to win,and said,“If thats where winning is,lets go build that.”We obsessed about long-term resilience and value creation.We focused on searching the world for great people and givin

6、g them the opportunity to be great.We embraced a culture of openness,excellence,and“do the right thing.”During the early years of Capital One,we developed and honed our ability to use data and scientific testing to discover powerful insights about marketing,underwriting,and customer behavior.It didn