第一资本信贷Capital One Financial Corporation (COF) 2003年年度报告「NYSE」.pdf

1、ort annual report annual report annual report annual report annual report annual reportannual report annual re2003Capital One has everything it needs for continued success.A winning strategy.Strong values.Thriving businesses.Best-in-classproducts and first-rate service.Solid financials.A powerful br

2、and identity.Significant marketopportunitiesand the vision,the passion andthe people to make the most of them.Nothing is out of reach when 17,000 people set their minds to something.Capital Onecame of age in 2003.Our business diversificationstrategy,put into action in 1998,delivered its first substa

3、ntialcontributions to the bottom line.The Capital One brand,virtually unknown four years ago,achieved near-universalrecognition among American consumers.We created a newmanagement structure to meet the challenges of running thelarge and dynamic enterprise that Capital One has become.Once again,our a

4、ssociates delivered record earnings,with the addition of$11.5 billion to managed loans and improvements in credit quality.Net income for the year rose 26%,to$1.1 billion,and managed loans increased 19%,to$71.2 billion,solidifying Capital Ones position as a leader inconsumer financial services.Nine y

5、ears of rapid growth have dramatically changed our metrics,but through all of the changes,weve worked hard to maintain the high quality of our financial performance.And as weve grown,two things have remained the same:our core strategy and our values.The heart of Capital OnesInformation-Based Strateg

6、y(IBS)is a rigorously scientific test-and-learn methodology that has enabled us to excel at product innovation,marketing and risk managementthe essentials of success in consumer financial services.The Company continues to thrive by living its values:Excellence and Do the Right Thing.These values are