Capital One Financial (COF) Q1 2017 Results - Earnings Call Transcript

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Capital One Financial Corp. (NYSE:COF) Q1 2017 Earnings Call April 25, 2017 5:00 PM ET


Jeff Norris - Capital One Financial Corp.

Richard D. Fairbank - Capital One Financial Corp.

R. Scott Blackley - Capital One Financial Corp.

Stephen S. Crawford - Capital One Financial Corp.


Eric Wasserstrom - Guggenheim Securities LLC

Ryan M. Nash - Goldman Sachs & Co.

Moshe Ari Orenbuch - Credit Suisse Securities (USA) LLC

Donald Fandetti - Citigroup Global Markets, Inc.

David Ho - Deutsche Bank Securities, Inc.

Bill Carcache - Nomura Instinet

Sanjay Sakhrani - Keefe, Bruyette & Woods, Inc.

Robert Paul Napoli - William Blair & Co. LLC

Matthew Hart Burnell - Wells Fargo Securities LLC

Christopher Roy Donat - Sandler O'Neill & Partners LP

John Pancari - Evercore Group LLC

Richard B. Shane - JPMorgan Securities LLC

Kenneth Matthew Bruce - Bank of America Merrill Lynch


Welcome to the Capital One Q1 2017 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 - Capital One Financial Corp.

Thank you very much, Tulari. And welcome, everyone, to Capital One's First Quarter 2017 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 2017 results.

With me this evening are: Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer, Mr. Scott Blackley, Chief Financial Officer, and Mr. Steve Crawford, Head of Finance and Corporate Development. Rich

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