Capital One Financial (COF) Richard D. Fairbank on Q1 2015 Results - Earnings Call Transcript

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Capital One Financial Corp. (NYSE:COF) Q1 2015 Earnings Call April 23, 2015 5:00 PM ET


Jeff Norris - Senior Vice President Global Finance

Stephen S. Crawford - Chief Financial Officer

Richard D. Fairbank - Chairman, President & Chief Executive Officer


Ryan M. Nash - Goldman Sachs & Co.

Bill Carcache - Nomura Securities International, Inc.

Sanjay Sakhrani - Keefe, Bruyette & Woods, Inc.

Richard B. Shane - JPMorgan Securities LLC

Donald Fandetti - Citigroup Global Markets, Inc. (Broker)

Moshe Ari Orenbuch - Credit Suisse Securities (USA) LLC (Broker)

Eric Wasserstrom - Guggenheim Securities LLC

Bob P. Napoli - William Blair & Co. LLC

Betsy Graseck - Morgan Stanley

David S. Hochstim - The Buckingham Research Group, Inc.


Welcome to the Capital One First Quarter 2015 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. Thank you.

I would now like to turn the call over to Mr. Jeff Norris, Senior Vice President of Global Finance. Sir, you may begin.

Jeff Norris - Senior Vice President Global Finance

Thanks very much, Jennifer, and welcome, everyone to Capital One's first quarter 2014 earnings conference call. As usual, we are webcasting live over the Internet. To access the call on the Internet, please log on to Capital One's website at and follow the links from there. In addition to the press release and financials, we have included a presentation summarizing our first quarter 2015 results.

With me today are Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer, and Mr. Steve Crawford, Capital One's Chief Financial Officer. Rich and Steve will walk you through this presentation. To access a copy of the presentation and press release, please go to Capital One's website, click on Investors, and then click on Quarterly Earnings Release.

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