Capital One 2014 Annual Report Download - page 39

• 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 and technology infrastructure suitable for the nature of our business;
• our ability to develop digital technology that addresses the needs of our customers;
• 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;
• any significant disruption of, or loss of public confidence in, the internet affecting the ability of our customers to
access their accounts and conduct banking transactions;
• our ability to recruit and retain talented and experienced personnel to assist in the development, management
and operation 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
• other risk factors listed from time to time in reports that we file with the SEC.
Any forward-looking statements made by us or on our behalf speak only as of the date they are made or as of the date
indicated, and we do not undertake any obligation to update forward-looking statements as a result of new
information, future events or otherwise. You should carefully consider the factors discussed above in evaluating these
forward-looking statements. For additional information on factors that could materially influence forward-looking
statements included in this Report, see the risk factors set forth under “Part I—Item 1A. Risk Factors” in this Report on
Form 10-K.
Item 1A. Risk Factors
Business Risks
This section highlights specific risks that could affect our business. Although we have tried to discuss all material
risks of which we are aware at the time this Annual Report on Form 10-K has been filed, other risks may prove to
be important in the future, including those that are not currently ascertainable. In addition to the factors discussed
elsewhere in this Report, other factors that could cause actual results to differ materially from our forward looking
statements include:
Changes In The Macroeconomic Environment May Adversely Affect Our Industry, Business, Results Of Operations
And Financial Condition.
We offer a broad array of financial products and services to consumers, small businesses and commercial clients.
We market our credit card products on a national basis throughout the United States, Canada and the United
Kingdom and offer banking and other services in many regions within the United States. Although the U.S.
economy has improved in recent years, the macroeconomic environment remains unstable and many regions in
17 Capital One Financial Corporation (COF)