Capital One 2011 Annual Report Download - page 37

• changes in the anticipated timing for closing the HSBC Transaction;
• difficulties and delays in integrating the assets and businesses acquired in the Transactions;
• business disruption during the pendency of or following the Transactions;
• diversion of management time on issues related to the Transactions, including integration of the assets and
businesses acquired;
• reputational risks and the reaction of customers and counterparties to the Transactions;
• disruptions relating to the Transactions negatively impacting our ability to maintain relationships with
customers, employees and suppliers;
• changes in asset quality and credit risk as a result of the Transactions;
• the accuracy of estimates and assumptions we use to determine the fair value of assets acquired and
liabilities assumed in the Transactions, and the potential for our estimates or assumptions to change as
additional information becomes available and we complete the accounting analysis of the Transactions;
• financial, legal, regulatory, tax or accounting changes or actions, including the impact of the Dodd-Frank
Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder;
• developments, changes or actions relating to any litigation matter involving us;
• the inability to sustain revenue and earnings growth;
• increases or decreases in interest rates;
• our ability to access the capital markets at attractive rates and terms to capitalize and fund our operations
and future growth;
• the success of our marketing efforts in attracting and retaining customers;
• increases or decreases in our aggregate loan balances or the number of customers and the growth rate and
composition thereof, including increases or decreases resulting from factors such as shifting product mix,
amount of actual marketing expenses we incur and attrition of loan balances;
• the level of future repurchase or indemnification requests we may receive, the actual future performance of
mortgage loans relating to such requests, the success rates of claimants against us, any developments in
litigation and the actual recoveries we may make on any collateral relating to claims against us;
• the amount and rate of deposit growth;
• changes in the reputation of or expectations regarding the financial services industry or us with respect to
practices, products or financial condition;
• any significant disruption in our operations or technology platform;
• our ability to maintain a compliance infrastructure suitable for our size and complexity;
• our ability to control costs;
• the amount of, and rate of growth in, our expenses as our business develops or changes or as it expands into
new market areas;
• our ability to execute on our strategic and operational plans;
• any significant disruption of, or loss of public confidence in, the United States Mail service affecting our
response rates and consumer payments;
• our ability to recruit and retain experienced personnel to assist in the management and operations of new
products and services;
• changes in the labor and employment markets;
• fraud or misconduct by our customers, employees or business partners;
• competition from providers of products and services that compete with our businesses; and
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