Earnings Call Excerpt
Capital One Financial Corporation (COF)
Q3 2009 Earnings Call
October 22, 2009 5:00 pm ET
Executives
Jeff Norris – IR
Richard Fairbank – President & CEO
Gary Perlin – CFO
Analysts
Andrew Wessel - JP Morgan
Christopher Brendler - Stifel Nicolaus & Company
David Hoxton – Buckingham Research
Mike Taiano – Sandler O’Neill & Partners
Rick Shane – Jefferies & Co.
Moshe Orenbuch - Credit Suisse
Aaron [Stackonovich] – Ladenburg Thalmann & Co.
Bruce Harting - Barclays Capital
Sanjay Sakjrani - Keefe Bruyette & Woods
Scott Valentin – FBR Capital Markets
Donald Fandetti – Citi Investment Research
Robert Napoli - Piper Jaffrey & Co.
Presentation
Operator
Welcome to the Capital One third quarter 2009 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
Thank you. Welcome everybody to Capital One’s third quarter 2009 earnings conference call. As usual, we are webcasting live over the Internet. You can access the call on the Internet by logging onto Capital One’s website at www.capitalone.com and follow the links from there. In addition to the press release and financials, we have included a presentation summarizing our third quarter 2009 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 and Principal Accounting Officer. Richard and Gary will walk you through this presentation. To access a copy of the presentation and the press release, please go to Capital One’s website, click on Investors then click on Quarterly Earnings Release.
Please note that this presentation may contain forward-looking statements. Information regarding Capital One's financial performance and any forward-looking statements contained in today's discussion and the materials speak only as of the particular date or dates indicated in the materials. Capital One does not undertake any obligation to update or revise any of this information whether as a result of new information, future events or otherwise. Numerous factors could cause the actual results to differ materially from those described in forward-looking statements. For more information on these factors please see the section entitled Forward-Looking Information in the earnings release presentation and the Risk Factors section in our Annual and Quarterly reports which are accessible at the Capital one website and filed with the SEC.
Now I will turn the call over to Mr. Perlin. Gary?
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