第一资本信贷Capital One Financial Corporation (COF) 2018年年度报告「NYSE」.pdf

1、2018 ANNUAL REPORTWelcome toBanking ReimaginedBellevue,WAMiami,FLWashington,DCRichmond,VAPortland,ORDenver,COLos Angeles,CABoston,MAAustin,TXThis page intentionally left blank.This is not your typical bank.This is a Capital One Caf.Across the country,our Capital One Cafs are living,breathing example

2、s of how were reimagining banking.In our Cafs,visitors get a firsthand look at how our products,technology,and people come together to create a banking experience thats simple,straightforward,and unlike anything else.The Cafs are comfortable,inviting spaces where everyone is welcomewhether you are a

3、 Capital One customer or not.Community groups can use our space free of charge.And visitors can grab cash or make deposits,get answers to questions about their account,explore our digital tools and apps,meet one-on-one with a Capital One Money Coach,or just kick back and relax with Peets Coffee and

4、free WiFi.Welcome to Banking Reimagined San Francisco,CAPhiladelphia,PABoston,MA32Chairmans Letter to Shareholders and FriendsIts an extraordinary time to be at Capital One.In 2018,we advanced our quest to build an enduringly great franchise with the scale,brand,capabilities,and talent to succeed in

5、 a world being revolutionized by technology and data.Capital One delivered record revenues and profits,even as we continued our investments in a bold,strategic agenda.We welcomed millions of new customers and announced an exciting partnership with Walmart.Thousands of talented and diverse profession

6、als,from interns to executives,joined Capital One and we are consistently cited as one of the best places to work in America.We accelerated our progress on our transformational journey,and we are now one of the most cloud-capable companies in the world.Our financial results in 2018 were rooted in ye