第一资本信贷Capital One Financial Corporation (COF) 2015年年度报告「NYSE」.pdf

1、2015 ANNUAL REPORT1680 Capital One DriveMcLean,VA 22102(703)720-Created and produced by Capital One and the following:Elevation,Design and ProductionVedros and Associates,PhotographyAllied Printing Services,Inc.,PrintingCAPITAL ONE FINANCIAL CORPORATION 2015 ANNUAL REPORT2015 ANNUAL REPORTChairmans

2、Letter to Shareholders and FriendsSince our founding days,weve been on a quest to build an enduringly great company with the scale,talent,capabilities,and financial strength to compete and win as banking rapidly evolves.Our performance in 2015 both reflected and advanced those aspirations.Were deliv

3、ering profitable,resilient growth while investing to generate strong and sustainable long-term returns.Were accelerating our efforts to transform ourselves into a leading information-based technology company.Were helping our customers succeed and building a loyal customer franchise.And were fosterin

4、g a culture where great talent can be great.Our Businesses Are StrongCapital One was founded on the belief that technology and information could revolutionize the credit card industry.Two decades later,those convictions continue to guide us and our domestic credit card business is thriving.Loans gre

5、w 13.2%in 2015,well ahead of the industry average of 3.4%.Our purchase volume growth of 18.2%also outpaced the industry average of 7.1%.Compelling products,bold marketing,innovative digital tools,and an exceptional customer experience are fueling our growth.In 2015,we welcomed millions of new custom

6、ers to Capital One.Our customers are making Capital One their card of choice.Were experiencing high first-in-wallet rates and record low attrition.Venture is a premier travel credit card that offers unlimited double miles that customers can actually use.Quicksilver is our flagship cash-back card tha