MICRO AND MACRO ANALYSIS OF CAPITAL ONE

NSBT is a division of Nucleus Software Exports Ltd., the leading product company with a
focus on the Banking and Financial Services Industry (BFSI). Nucleus Software's product,
FinnOneTM, has been the highest selling lending product in the world for the last 3
consecutive years. All the products are implemented at over 250 customers across 100
countries. It is headquartered in Noida with development centres in Chennai, Mumbai,
Singapore. Nucleus Software has identified five core values - Integrity, Respect, Result
Orientation, Innovation and Collaboration which form the foundation of the corporate
philosophy.
Nucleus Software Exports Ltd. has been a pioneer in providing global innovative banking
software solutions for Banks and financial institutions since 1986. Their product suite, Finn
One, has been ranked as the worlds best-selling lending software, by IBS publishing. The
company was awarded with Gold shield for Excellence in Financial Reporting 2010 by
Institute of Chartered Accountants of India (ICAI).
Capital One Financial Corporation is an American bank holding company specializing in
credit cards, home loans, auto loans, banking and savings products.
Capital One is the eighth-largest bank holding company in the United States when ranked by
assets and deposits. The bank has 812 branches including 10 caf style locations for its
Capital One 360 brand and 2,000 ATMs. Capital One Financial is ranked #112 on the Fortune
500, and also conducts business in Canada and the United Kingdom. The company helped
pioneer the mass marketing of credit cards in the 1990s, and as of 2003 it was the fourthlargest customer of the United States Postal Service.
Its corporate offices are located in Tysons Corner, Virginia.
In 2015, 62% of the company's revenues were from credit cards, 28% was from consumer
banking, and 10% was from commercial banking.
As Ratios are based on historical information, they cannot be used for forecasting financial
performance so it should be taken in consideration the current changes while doing analysis
and making a decision. The bank should increase its net profit margin ratio as it indicates the
low margin of safety: higher risk that a decline in sales will erase profits and result in a net
loss. The ratios can be easily manipulated by window dressing or creative accounting and
may be distorted by differences in accounting policies so for comparison it should be
considered. Bank should do proper utilization of its fixed assets. in 2014 the sales of bank
was poor as compared to 2015 and because of that was having excess of inventory in respect
of 2015.