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This annual report summarizes Capital One's growth and success in 2000. Some key points: - Capital One has grown rapidly since its IPO in 1994, becoming one of the fastest growing and most profitable companies in the US. - Through its proprietary information-based strategy (IBS), Capital One has created innovative credit card and loan products tailored to individual customers, reducing risk while delivering value. - In 2000, Capital One added a record 10 million new customers, conducted over 45,000 tests of new ideas, and invested over $900 million in marketing. - Capital One aims to continue its strong growth by expanding its product lines and customer base internationally, and by building its brand through advertising and





































































