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Capital One Financial Corporation
Richmond, Virginia 1988
McLean, Virginia, USA
Richard Fairbank, CEOGary Perlin, CFO
Credit Cards, Loans, Savings
US$ 8.53 billion (Jan. 2009)
US$ 18.97 billion (2008)
US$ 1.70 billion (2008)
US$ 150.6 billion (2008)
Capital One Bank in Wake Village, Texas
COF, or Capital One Financial Corp. (NYSE:COF) is a McLean, Virginia-based U.S. bank holding company specializing in credit cards, home loans, auto loans, banking, and savings products. A member of the Fortune 500, the company helped pioneer the mass marketing of credit cards in the early 1990s, and it is now the fourth largest customer of the United States Postal Service and has the 8th largest deposit portfolio in the United States.
Capital One was founded in 1988 by Richard Fairbank and Nigel Morris as a spin-off of Richmond, Virginia-based Signet Banking Corp (which was subsequently acquired in 1997 by First Union Corp.).
Capital One entered the retail banking market with its acquisition of New Orleans, Louisiana-based Hibernia National Bank in 2005 and Melville, New York-based North Fork Bancorporation in 2006. North Fork Bank and Superior Savings of New England, both subsidiaries of North Fork Bancorporation, began using the branding of Capital One Bank on March 10, 2008.. On December 4, 2008, Capital One announced it would purchase Chevy Chase Bank for $520 million.
Capital One responded to the 2007 subprime mortgage financial crisis by jettisoning its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.
On November 14, 2008, Capital One Financial Corporation was the recipient of $3,555,199,000.00 of the Emergency Economic Stabilization Act Federal bail-out in the form of a preferred stock purchase.
Capital One Bank (USA), N.A. and Capital One, N.A. are nationally chartered institutions, regulated by the Office of the Comptroller of the Currency, Department of the Treasury.
Capital One Auto Finance
Capital One Financial Corporation is the parent company of [Capital One Auto Finance], or COAF, based in Plano, Texas. After buying PeopleFirst, it became the largest Internet auto lender, as well as one of the top US auto lenders overall.
The company, which previously sold auto loans only through direct mail and auto dealerships, lets auto owners refinance existing auto loans and shoppers apply for new auto loans online. A decision usually comes within 15 minutes, after which the buyer receives a “blank check” for up to the approved auto loan amount, which the buyer uses to purchase a car. To the dealership, it is as if the buyer were paying cash. The checks can be used to purchase a new or used vehicle, or to refinance an existing auto loan with another lender.
COAF originates auto loans across the credit spectrum.
Capital One commenced operations in Canada in 1996. Its head office is located in Toronto, Ontario. Unlike its diversified American parent, the Canadian business does not currently operate outside of the credit card market. Similar to the US Parent, Capital One Canada is Canada Post’s second largest customer. In October 2008, Capital One Canada was named one of Greater Toronto’s Top Employers by Mediacorp Canada Inc., which was announced by the Toronto Star newspaper.
The UK headquarters of Capital One is in Nottingham, England.
The company was once active in Spain, France and South Africa, but has since withdrawn from these markets.
Unlike other diversified financial services firms, Capital One began as consumer lending “monoline” — a company that only does consumer lending. Remaining a monoline is precarious because of the often-cyclical nature of consumer lending; it can be very profitable industry in good times and markedly unprofitable in bad, such that a monoline company — which lacks other sources of revenue — will go out of business or be acquired fairly cheaply during hard times. Most consumer lending monolines in the past 20 years have either gone out of business (e.g. The Money Store, NextCard, Royal Acceptance) or have been acquired (e.g. MBNA, Beneficial, First USA); Capital One is notable for having experienced neither.
Prior to this the company experienced tremendous growth as a monoline which…(and so on) To get More information , you can visit some products about Wood Music Box, Design Speaker Box, . The Kiddy Blacklead Pencil products should be show more here!
@ October 11, 2010