第一资本金融公司 Capital One Financial (COF) 2013年年度报告「NYSE」.pdf

1、ASK YOURSELF,WHATS IN YOUR WALLET?1680 Capital One DriveMcLean,VA 22102(703)720-Created and produced by Capital One and the following:Elevation,Design and ProductionVedros and Associates,Inside PhotographySteven Lippman,Cover PhotographyAllied Printing Services,Inc.,Printing2013 ANNUAL REPORTCAPITAL

2、 ONE FINANCIAL CORPORATION 2013 ANNUAL REPORT1Chairmans Letter to Shareholders and Friends 2013 was a special year at Capital One.We delivered strong financial performance,completed two big integrations,generated significant capital,and tightly managed costs.But the story of Capital One is about muc

3、h more than a single year.Building a successful company takes a lot of hard work and more than a little good fortune.I have always believed that we can enhance the odds by focusing above all else on enduring keys to success despite the siren call of apparent short-term opportunities.Since the incept

4、ion of Capital One two decades ago,we have maintained a laser focus on these enduring success factors:Go where the market is going.Handpick businesses with structurally superior returns.Achieve relevant scale where it matters most.Hire great people and give them the chance to be great.Create a cultu

5、re of openness,excellence,and doing the right thing.Leverage information,analytics,and testing to bring the right product to the right customer at the right price.Manage risk with preemptive conservatism.Obsess about long-term resilience and value creation.Build a loyal customer franchise.Powered by

6、 this long-term focus and aided by good fortune,we have been able to build a fast-growing company that has adapted and thrived in a rapidly changing and,at times,perilous environment.We weathered the Great Recession and emerged in a strong position to go on offense when many banks were still hobbled