COF-PN

Capital One Financial Corporation functions as a holding company for its banking subsidiaries, Capital One Bank (USA), National Association, and Capital One, National Association. These entities deliver a wide array of financial products and services to customers across the United States, Canada, and the United Kingdom. The organization structures its operations into three primary divisions: Credit Card, Consumer Banking, and Commercial Banking. It collects deposits through various account types, including checking, money market, negotiable order of withdrawal (NOW), savings, and time deposits. Furthermore, Capital One provides diverse lending options, encompassing credit card debt, automotive and consumer retail loans, as well as financing for commercial and multi-family real estate, alongside general commercial and industrial loans. The company also offers credit and debit card solutions, comprehensive online direct banking, and specialized treasury management and depository services. Serving individual consumers, small businesses, and large corporate clients, Capital One utilizes a multi-faceted approach for service delivery. This includes digital channels, physical branch locations, distinctive café-style branches, and other distribution networks situated in key U.S. states such as New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was established in 1988 and maintains its corporate headquarters in McLean, Virginia.