Capital One 2003 Annual Report Download - page 20

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CAPITAL ONE FINANCIAL CORPORATION
2003 ANNUAL REPORT ON FORM 10-K
TABLE OF CONTENTS
Item 1. Business 3
Overview 3
Business Description 4
Geographic Diversity 5
Enterprise Risk Management 5
Technology/Systems 10
Funding and Liquidity 10
Competition 10
Intellectual Property 11
Employees 11
Supervision and Regulation 11
Risk Factors 20
Statistical Information 27
Item 2. Properties 27
Item 3. Legal Proceedings 27
Item 4. Submission of Matters to a Vote of Security Holders 28
Item 5. Market for Company’s Common Equity and Related Stockholder Matters 28
Item 6. Selected Financial Data 29
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 30
Item 7A. Quantitative and Qualitative Disclosures about Market Risk 60
Item 8. Financial Statements and Supplementary Data 61
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 104
Item 9A. Controls and Procedures 104
Item 10. Directors and Executive Officers of the Corporation 105
Item 11. Executive Compensation 105
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder
Matters 105
Item 13. Certain Relationships and Related Transactions 105
Item 14. Principal Accountant Fees and Services 105
Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K 106
2