第一资本信贷Capital One Financial Corporation (COF) 2022年年度报告「NYSE」.pdf

1、Annual Report20222Chairmans Letter to Shareholders and FriendsCapital One had an outstanding year in 2022.We grew revenue at the highest rate in two decades,recorded the second-most profitable year in our history,and returned significant capital to shareholders even as we bolstered our balance sheet

2、 to reflect growing global economic uncertainty.We also invested in our future.We delivered one of the strongest years of new account originations in our history.We invested in new products,signed new partners and enhanced our digital experiences to deepen customer relationships and to help them suc

3、ceed.And we continued our decade-long technology transformation that is unique in banking and at the forefront among large corporations in America.Our success and our momentum are years in the making.Thirty-five years ago,we founded this company on a belief that technology and information would tran

4、sform financial services,and that the credit card business was the tip of the spear.Our rallying cry back in 1987 was to build an information-based technology company that does banking,competing against banks that use information and technology but it may not be who they are.We searched the world fo

5、r elite talent to join us 3 3on this journey,going head-to-head against top consulting,banking and technology companies in the quest for great“athletes.”We looked for world-class problem-solvers who had the promise to be great builders,leaders and teammates.After years of building the talent,data an

6、d infrastructure to deliver our vision,the business took off and we celebrated our IPO in 1994.In just a few decades,we have become the third-largest credit card company in the United States.And we have expanded our vision beyond the U.S.and built card franchises in the United Kingdom and Canada.But