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市場調査レポート
カード発行会社プロファイル：Capital One
Card Issuer Profile: Capital One
| 発行 |
Datamonitor |
| 出版日 |
2009年03月 |
商品コード |
83795 |
| ページ情報 |
英文 44 pages |
| 価格 |
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Abstract
Summary
Introduction
Capital One has grown from being an innovative and balance-chasing monoline
card issuer in the US to a fully fledged financial services provider with an
international presence. This profile focuses on Capital One' s card operations,
highlighting the product strategies and market positioning behind its
development, as well as its outlook for the future.
Key reasons to purchase this research
- Gain a detailed understanding of Capital One' s strategy and approach in
the card market, and apply the lessons from this to your business.
- Learn how this strategy positions Capital One for the future and where its
biggest opportunities may lie.
- Compare Capital One against other leading global issuers using
Datamonitor' s unique Competitor Benchmark.
Table of Contents
OVERVIEW
CAPITAL ONE
- Key findings
- Company overview
- Background
- Ownership and Management
- Company structure
- Geographic coverage
- Strategic focus
- Capital One has transformed itself from a monoline to a fully-fledged
financial services provider
- In its card issuing business Capital One has refocused on transactors as
opposed to revolvers
- In the UK, Capital One' s strategy has focused on attracting new
cardholders by offering competitive balance transfer offers
- In Canada, Capital One' s strategy involves offering a range of cards for
different types of consumer
- Card statistics
- Number of cards
- Balances outstanding
- Key financials
- Profit and loss account
- Balance sheet
- US card product offering
- In the US, Capital One has a wide range of cards
- Capital One has a ‘No Hassle' loyalty program in the US
- The high end cards in the US have added services and benefits for the
cardholder
- The interactive Card Lab online tool allows customers to tailor their
products
- Capital One offers a range of exclusive incentives to its cardholders in
the US
- Capital One has an extensive product offering for business clients that
mirrors its consumer cards
- UK and Canada card product offering
- In the UK Capital One has a far more limited range of credit cards
- In the UK, cardholders can select the appearance of their Capital One
card
- In Canada Capital One' s range of cards is extensive and demonstrates the
same strategy as in the US
- In Canada, two of Capital One' s cards track the base rate
- Company outlook
- Capital One' s acquisitions have potentially placed it in a stronger
position to survive the downturn
- Despite the downturn Capital One is seeking to boost its businesses
through acquisition
- Overseas it seems that Capital One will continue to grow in Canada and
struggle in the UK
- Expansion to emerging markets is a possibility and is becoming
increasingly important
- Capital One has yet to enter the co-branding arena and may now be too
late
- Datamonitor Competitor Benchmark
APPENDIX
- Definitions of terms used in this report
- Charge card
- Co-branded card
- Commercial card
- Credit card
- Premium cards
- Data relating to the graphics in this profile
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
TABLES
- Table: Capital One board of directors and key employees, 2008
- Table: Capital One' s classification of credit ratings in the US
- Table: Examples of Capital One' s card offering in the US, 2009
- Table: Capital One business card offering in the US, 2009
- Table: Capital One credit cards in the UK, 2009
- Table: Capital One credit cards available in Canada, 2009
- Table: Scorecard logic, part one
- Table: Scorecard logic, part two
- Table: Capital One' s income statement, 2004 - 07
- Table: Capital One' s balance sheet, 2003 - 07
- Table: Capital One' s cards in issue, 2003 - 07
- Table: Capital One' s credit card outstanding, 2003 - 07
- Table: Capital One' s US card business transaction values and balances
outstanding, 2003 - 07
- Table: Current relevant publications, 2008-09
- Table: Future relevant publications, 2009
FIGURES
- Figure: Capital One has evolved from a monoline issuer to a fully fledged
financial services supplier between 1995 and 2007
- Figure: Capital One' s business structure is organized into two main areas,
2009
- Figure: Capital One has a limited global presence, 2009
- Figure: The Capital One business has diversified, 1999 - 2006
- Figure: Capital One' s US Card segment charge-off and delinquency rates
have risen, Q2 2007 - Q4 2008
- Figure: Transaction values have grown more quickly than outstandings,
Capital One, 2003 - 07
- Figure: Most of Capital One' s cards are in issue in the United States,
2003 - 07
- Figure: Outstandings in the US have declined in 2007, 2003-07
- Figure: Capital One made a loss of $46 million in 2008, 2004 - 08
- Figure: Capital One' s balance sheet has grown with the acquisitions of
Hibernia and North Fork, 2003 - 07
- Figure: Capital One' s reward programs are marketed for No Hassle rewards,
2009
- Figure: Capital One Card Lab portal, 2009
- Figure: Capital One Saving Zone provides its cardholders with exclusive
offers on items bought online, 2009
- Figure: Capital One cardholders in the UK can choose the appearance of
their credit card
- Figure: Datamonitor Competitor Benchmark, Capital One, 2009
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