1、2001Annual ReportGrowing43,800,000 accounts33,800,00023,700,00016,700,00011,700,0008,600,0006,100,000accountsCapital One is a leader in the direct marketing ofcredit cards,auto loans and other consumer financialservices.It has 43 million accounts and is one of theworlds largest consumer franchises.C
2、apital One hasgrown by pursuing an information-based strategy(IBS)that enables it to test ideas before rolling themout and to tailor the terms for each customer.The Companys innovative products and services have delivered strong growth for Capital One and superior value to consumers.A holding compan
3、ybased in Falls Church,Virginia,Capital One Financial Corporation operates through two principal subsidiaries:Capital One Bank and Capital One F.S.B.Its common stock trades on the New YorkStock Exchange under the symbol COF.Capital One is a leader in the direct marketing ofcredit cards,auto loans an
4、d other consumer financialservices.It has 43 million accounts and is one of theworlds largest consumer franchises.Capital One hasgrown by pursuing an information-based strategy(IBS)that enables it to test ideas before rolling themout and to tailor the terms for each customer.The Companys innovative
5、products and services have delivered strong growth for Capital One and superior value to consumers.A holding companybased in Falls Church,Virginia,Capital One Financial Corporation operates through two principal subsidiaries:Capital One Bank and Capital One F.S.B.Its common stock trades on the New Y
6、orkStock Exchange under the symbol COF.30%earnings growth30%30%42%21%21%30%earnings growthCapital One sIPORichard D.FairbankChairman and Chief Executive OfficerNigel W.MorrisPresident and Chief Operating OfficerTo our shareholders and friends:Capital One had an outstanding year.We added 10 million a