Capital One 1996 Annual Report Download - page 2

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Contents
Financial Summary 1
To Our Stockholders 2
The Essence of Capital One 7
1996 Financial Presentation 16
Corporate Information 55
Directors & Officers 56
Capital One Financial Corporation, headquartered in Falls
Church, Virginia, is a financial services company whose
principal subsidiaries—Capital One Bank and Capital One,
F.S.B.—offer consumer lending products and are among the
largest credit card issuers in the United States. Capital One's
subsidiaries collectively have approximately 8.6 million
customers and $12.8 billion in managed loans. The Company
has 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 grow n dramatically due to the success of
our proprietary information-based strategy, which combines
advances in information technology and sophisticated analyt-
ical techniques to identify, manage and rapidly exploit busi-
ness opportunities. Capital One is committed to increasing
stockholder value, to developing and empow ering our associ-
ates, and to providing quality service. The common stock
of Capital One Financial Corporation is listed on the New
York Stock Exchange under the symbol COF.
Capital One®is a registered trademark of Capital One Financial Corporation
®