Capitol One

1/ Key environmental forces of big(p) wiz The key gamble factors for capital letter One Finance argon the competitive and restrictive environments. The conviction calling card industry appears to be nearly saturated, peculiarly in the prime and superprime markets (Standard & Poors rake Reports). This is because the recession had a disproportionately adverse impact on the sub-prime segments forcing many lenders to tighten credit controls and focus on super-prime customers. In the near-term this trend is anticipate to encompass which will keep intense competitive pressure on Capital Ones target market of super-prime borrowers. However, should the economic retrieval progress as expected, it is likely that this saturation will steady down to normal levels. Nonetheless, competition in the consumer lending industry is expected to remain very high maintaining current pressure on interest margins. The regulatory environment appears stable for the credit card services industry, but the potential restriction of telemarketing solicitations via the brasss Do Not Call list represents a threat to Capital Ones marketing efforts. Most of Capital Ones accounts are generated through direct mail and direct telemarketing solicitations (Standard & Poors Stock Reports).

Approval of the Do Not Call list could have a material adverse impact on Capital Ones marketing efforts affecting its ability to generate and grow its managed accounts. 2/ Strengths and weakness of Capital One Financial Strength One of the top 10 banks in the country, Capital One had $121 billion in fare deposits and 35 million customers companywide. Our bank ratings (Capital One, N.A.) are strong and stable, which is a testament to the safety and security we offer our customers. Moodys judge us A2 and Standard & Poors rates us A-. Capital Ones strong capital, diversified funding, and ample liquidness make the balance sheet a continuing semen of strength. As of the end of the third... If you want to get a across-the-board essay, order it on our website: Ordercustompaper.com

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