Capital One Financial's CEO Discusses Q1 2012 Results - Earnings Call Transcript

Capital One Financial (COF)

Q1 2012 Earnings Call

April 19, 2012 5:00 pm ET


Jeff Norris -

Gary L. Perlin - Chief Financial Officer

Richard D. Fairbank - Founder, Executive Chairman, Chief Executive Officer and President


David S. Hochstim - The Buckingham Research Group Incorporated

Sanjay Sakhrani - Keefe, Bruyette, & Woods, Inc., Research Division

John W. Stilmar - SunTrust Robinson Humphrey, Inc., Research Division

Christopher Brendler - Stifel, Nicolaus & Co., Inc., Research Division

Brian Foran - Nomura Securities Co. Ltd., Research Division

Craig J. Maurer - Credit Agricole Securities (USA) Inc., Research Division

Donald Fandetti - Citigroup Inc, Research Division

Moshe Orenbuch - Crédit Suisse AG, Research Division

Ryan M. Nash - Goldman Sachs Group Inc., Research Division

Daniel Furtado - Jefferies & Company, Inc., Research Division

Betsy Graseck - Morgan Stanley, Research Division



Good evening, everyone, and welcome to the Capital One First Quarter 2012 Earnings Conference Call. [Operator Instructions] I would now like to turn the call over to Mr. Jeff Norris, Managing Vice President of Investor Relations. Sir, you may begin.

Jeff Norris

Thanks very much, Lynette. Welcome, everyone, to Capital One's First Quarter 2012 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've included a presentation summarizing our first quarter 2012 results.

With me today are Mr. Richard Fairbank, Capital One's Chairman and Chief Executive Officer; and Mr. Gary Perlin, Capital One's Chief Financial Officer. Rich and Gary will walk you through this presentation.

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