第一资本金融公司 Capital One Financial (COF) 2012年年度报告「NYSE」.pdf

1、2012 AnnuAl RepoRt2012 AnnuAl RepoRtCapital one FinanCial Corporation 2012 annual reportsPine may need to be adjusted for final rePort1For more than 20 years,all of us at Capital One have been focused on building an enduringly great franchise with the balance sheet,scale,talent,capabilities,and bran

2、d to compete and win in banking.In 2011,we announced the transformational acquisitions of ING Direct and HSBCs U.S.credit card business.2012 was another important year of solid progress toward our goal of creating one of Americas great companies by changing banking for the good of the customer.We de

3、livered solid results in 2012.Financial performance was strong for the Company and each of our businesses.We successfully closed the two big acquisitions with minimal disruption,and were simultaneously delivering two very well-managed integrations.Were generating capital on a strong trajectory.We pa

4、ssed the Federal Reserves Comprehensive Capital Analysis and Review(CCAR)stress test,and are on track to achieve new regulatory capital requirements in 2013,years ahead of regulatory deadlines.We continue to make good progress on foundational work to create a company-defining customer experience.Wer

5、e positioned at the forefront of the digital revolution that is reshaping the world of financial services.And our relentless quest to find,nurture,and empower talented people continues to pay off.Our progress in 2012 puts us in a strong position to continue building a great company and to deliver lo

6、ng-term value to our shareholders,customers,and associates.We delivered strong financial performance in 20122012 was a profitable year despite the ongoing challenges of an uncertain economic recovery and low interest rates.Direct year-over-year comparisons of many of our metrics are difficult becaus