第一资本金融公司 Capital One Financial (COF) 1996年年度报告「NYSE」.pdf

1、2980 Fairview Park DriveSuite 1300Falls Church,VA 22042-4525Capturing The Essence Of Capital OneFinancial Corporation1996 Annual ReportCapital One Financial Corporation1996 Annual ReportContentsFinancial Summary1To Our Stockholders2The Essence of Capital One71996 Financial Presentation1 6Corporate I

2、nformation 5 5Directors&Officers5 6Capital One Financial Corporation,headquartered in FallsChurch,Virginia,is a financial services company whoseprincipal subsidiariesCapital One Bank and Capital One,F.S.B.offer consumer lending products and are among thelargest credit card issuers in the United Stat

3、es.Capital Onessubsidiaries collectively have approximately 8.6 million customers and$12.8 billion in managed loans.The Companyhas nearly 5,800 associates and offices in Richmond,Fredericksburg and Falls Church,Virginia;Tampa,Florida;Dallas-Fort Worth,Texas;and London,England.Capital One has grown d

4、ramatically due to the success ofour proprietary information-based strategy,which combinesadvances in information technology and sophisticated analyt-ical techniques to identify,manage and rapidly exploit busi-ness opportunities.Capital One is committed to increasingstockholder value,to developing a

5、nd empowering our associ-ates,and to providing quality service.The common stock of Capital One Financial Corporation is listed on the NewYork Stock Exchange under the symbol COF.Capital Oneis a registered trademark of Capital One Financial Corporation1Financial SummaryYear Ended December 31Percent(d

6、ollars in thousands,except per share data)19961995ChangeEarningsNet interest income$365,484$208,01375.70)%Non-interest income763,424553,04338.04Non-interest expense713,182497,43043.37Net income155,267126,51122.73Tax rate37.5%36.0%4.17Per Common ShareNet income$2.30$1.9021.05Dividends.32.2433.33Book