Financial Analysis of Capital One

pecuniary Analysis of Capital OneOrganization Capital One- Financial CompanyCapital One is a financial and lingoing corporation, which is among unrivaled of the Americas top 20s digital edge. It is well-known for credit tease, debit cards, home loans, banking and saving products. (Identities, 2017) It is around 21-year-old firm, which has had an pestiferous success for the past 6 years. It is an innovative technology used organization. The best thing about Capital ace is the work and life balance. To choose this organization, the chief(prenominal) purpose is the organizations belief and service. They believe in fundamental logic, which is much interesting.-They particularly focus on the everyones opinions and assume positive intent. The culture and environment of the company be really different than most of the other places and banks.-One more interesting fact that I know through some source is Capital one is aforementioned(prenominal) as Yahoo in the terms of technology an d belief.-Capital One understand the value of clients, not transactions. As per their research they found that 71% of customers consider their banking relationship to be merely transactional.-They aimed when Capital one diversified to reduce the risk from a monoline business.-Capital one has three major subsidiaries, on which they work1) Credit cards2) Saving banks3) Auto financial backing-All these three subsidiaries are diversified the Capital Ones main product credit cards to banks original business.Relationship My cousin brother is working for the Capital One IT department from 2010. In future, I want to become a customer of Capital one 360 bank, because they provide great go for customers. After researching some resources and as per my cousins knowledge about technologies and business strategy that Capital one used, which makes me more interesting to choose this organization as an in operation(p) exemplification.Operating ModelAn Operating model is necessary for delivering goods and services to customers by business level integration and standardization.-Capital one uses a Coordination model by wretched standardization and high integration. A reason stinkpot to choose this model is, uncontrolled business heads execute their processes an efficient manner, yet providing the best services to the customers.-Capital one has unique operations, often demanding capabilities.-Capital one is a largest financial services companies, is composed of major three business unitsCredit cards groupSaving bank groupAuto financing group-After researching some stuff I understand that in the past around the 1990s to early 2000s, they used variegation model, provided now entering in auto finance they use coordination model. A Credit card is the oldest major subsidiary and original business of bank (Capital One). From the history of Capital one still, now credit card is the top-notch earning subsidiaries. (Perez, 2015)-Saving bank is the second major subsidiary of Capital one. The leading products that they offer retail and moneymaking(prenominal) banking such deposits and loans. To achieve the successful business model, Capital one faces sterling competition with United states top 20 banks like PNC bank, Wells Fargo bank etcetera. (Perez, 2015)-Auto financing is third and major subsidiary that focuses on delivering exhaustive, innovative solutions to meet the financial needs of the target customers. It mainly focuses on types of loan that determine the area of the bank. (Perez, 2015)-By integrating, but not standardizing, it is enhancing customer service. It attracts new customers and sells more products to customers, hence it leads towards the profitable growth of Capital one.Stages of enterprise architecture maturity A capability maturity model defines total four stages of architecture maturity.Business silosStandardized technologyOptimized coreBusiness ModularityCapital one is presently used standardized technology. The reason behind to work at this stage is the management of technology standards.Standardization reduce risk, costs of the shared services improve reliability, security and development time. (Ross, 2006)Capital one usually increases access to shared data by data warehouse, hence transaction data is still embedded in individual application.That is the significant proceeding for cost savings and reliability through standardized technology.Nowadays most of the companies move into the standardized technology stage by virtue of CIO that provides shared floor services. (Ross, 2006)Capital one design and update their standards according to financial management and funding shared services, which is the key management capability of standardized technology.The business and IT leadership of Capital one are defines the application of standardized technology, that focus on quick wins.ReferencesIdentities, W. (2017, 2 6). In wikipedia. Retrieved 02 07, 2017, from wikipedia https//en.wikipedia.org/wiki/Capital_OnePerez, S. (2015, March 5). Retrieved from marketrealist http//marketrealist.com/2015/03/capital-ones-three-main-subsidiaries/Ross, J. W. (2006). Enterprise Architecture. Harvard Business.https//en.wikipedia.org/wiki/Capital_Onehttp//marketrealist.comhttps//www.capitalone.com Ross Weill Chapter 2.pdf Ross Weill Chapter 4.pdf