EECS 441 Company Presentation

1. Garrett Folbe
gfolbe

2. As a bank, Capital One’s mission
statement is “to help our
customers succeed by bringing
ingenuity, simplicity, and
humanity to banking.”
In other words, Capital One
strives to be a bank for the
people
▸ Standard Banking Services
▸ Strong Technology Presence
▸ Human Experience
Problem Products
2

3. Persona
▸ 22 years old, recent college graduate
▸ Has never owned a credit card before
▸ Tech savvy
▸ Values customer experience and strong
online presence of her bank
3
Jada Smith

4. Financials
4
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
$40,000
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
USD(Thousands)
Year
Capital One Yearly Revenue

5. Business Model
5
56%
27%
15%
2%
Revenue Split (2019)
Credit Card
Consumer Banking
Commercial Banking
Other

6. Timeline
6

7. 7
Capital One Founded (1994)
1994 2020
Richard Fairbank Nigel Morris

8. Expansion Into Auto
Loan Industry (1998)
81994 2020

9. Expansion Into Retail
Banking (2005)
91994 2020

10. Data Breach (2019)
101994 2020

11. Current Leadership
11
▸ Fairbank has been the only CEO of Capital
One since co-founding the company
▸ Very hands-on and involved in daily
operations
▸ “Don’t chase success. Chase a dream”

12. Secret Sauce?
▸ Humanity + Technology = Success
▸ Strong digital presence combined with a well-developed analytics
department provides for a good experience for the user
▸ Capital One prides itself on being a bank for those that others would
turn away
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13. What’s HOT?
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14. Competitors
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Free checking
account?
YES NO NO NO
Strong physical
presence?
NO YES YES NO
Overdraft
coverage?
YES YES YES NO
Savings APY 1.50%* 0.01% 0.03% 0%

15. My Prediction
15

16. Sources
▸ https://www.macrotrends.net/stocks/charts/COF/capital-one-financial/revenue
▸ https://moneyinc.com/10-things-didnt-know-capital-ones-richard-d-fairbank/
▸ https://digital.hbs.edu/platform-rctom/submission/capital-one-aligning-the-organization-through-data/
▸ https://www.marketwatch.com/story/capital-one-profit-falls-revenue-tops-views-2020-01-21
▸ https://www.capitalone.com/about/
▸ https://www.fastcompany.com/company/capital-one
▸ https://www.capitalone.com/learn-grow/?external_id=COF01_HUB_HPBANNER_D99
▸ https://marketrealist.com/2015/03/analyzing-capital-ones-business-segments/
▸ SLIDE DECK: https://www.slidescarnival.com/category/free-templates
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