第一资本信贷Capital One Financial Corporation (COF) 2002年年度报告「NYSE」.pdf

1、Annual Report 20022002$899.6 millionearnings2001$642 million2000$469.6 million1999$363.1 million1998$275.2 millionearningsMeasures ofSuccess1680 Capital One DriveMcLean,VA 22102(703)720-Capital One Financial Corporation 2002 Annual Report02Capital Oneis a leader in the direct marketing of MasterCard

2、and Visacredit cards,auto loans and other consumer financial services.With more than 47 million accounts,it has one of the worlds largest financial services franchises.Through a proprietary information-based strategy(IBS),the Company scientifically tests its ideas before taking themto market and cus

3、tomizes the terms of each account,delivering superiorvalue to consumers and profitable growth for Capital One.Headquartered inMcLean,Virginia,Capital One Financial Corporation is a holding companyoperating through three principal subsidiaries:Capital One Bank;CapitalOne,F.S.B.;and Capital One Auto F

4、inance,Inc.Its common stock trades onthe New York Stock Exchange under the symbol COF.All Capital One service marks are owned by Capital One.All rights reserved.All third party trademarks used herein are owned by the respective entity.All rights reserved.(Copyright 2003 Capital One Services,Inc.)The

5、 company cautions that its current expectations for future earnings,future charge-off ratesand other future performance measures are forward looking statements and actual results coulddiffer materially from current expectations due to a number of factors,including:competition in the credit card indu

6、stry;the actual account and balance growth achieved by the company;the companys ability to access the capital markets at attractive rates andterms to fund its operations and future growth;changes in regulation;and general economicconditions affecting consumer income and spending domestically and int