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Growth Strategies Case Study

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Case Title:

Capital One: The American Credit Card Company's Growth Strategies

Publication Year : 2005

Authors: Susmita Nandi, Sumit Kumar Chaudhuri

Industry: Banking and Financial Services

Region: USA

Case Code: GRS0093

Teaching Note: Not Available

Structured Assignment: Not Available


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Abstract:
Capital One has been making several acquisitions in 2004 and 2005 to strengthen its position in motor-vehicle financing, mortgage and home equity loan services. Its latest acquisition of Hibernia National Bank in early March 2005 has provided it with an opportunity to expand into the developing markets of Texas and Louisiana (USA) apart from enabling it to access a cheaper source of funding for its flagship business of selling credit cards.

Pedagogical Objectives:

  • To highlight Capital One's diversification strategy and the reasons behind its various acquisitions
  • To discuss the challenges it faces in the second decade of its establishment
  • To discuss credit card industry in the US, which is going through a phase of consolidation.

Keywords : Capital One Financial Corporation; Consumer lending services; Motor vehicle financing; Mortgage and home equity loans European; Market leader and market share; Brand positioning; Credit card industry; Diversification strategy; Super-prime; Growth Strategies Case Study; prime and sub-prime customers; Information-based strategy (IBS); Bad debt and charge-off; Financial portfolio and sourcing of funds; Origination of loans; Competitive advantage; Investment banking and insurance

Contents : 
Capital One: The Background
Potential Challenges
Capital One: 2004 Income Statement Data
Top Ten US Bank Credit Card Issuers - 3Q/04
David Spade in one of Capital One Advertisements
Capital One Financial Corporation (COF)

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Currency Exchange Rates

Case Study :
   INR 200 = USD ($)

Structured Assignment:
   INR 150 = USD ($)

Teaching Note :
   INR 400 = USD ($)
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