NEW YORK (Standard&Poor's) Oct. 19, 2012--Standard&Poor's Ratings Services today said the ratings and outlook on Capital One Financial Corp. (COF; BBB/Negative/--) are unchanged following our review of the company's good third-quarter 2012 earnings, which were within our expectations. The company posted pretax earnings of $1.72 billion, up from $236 million in the previous quarter and $1.24 billion in third-quarter 2011. Total net revenue rose 14.4% from the second quarter and 39.2% year over year, reflecting the full quarter's impact of the HSBC U.S. credit card acquisition. The higher-yielding HSBC card assets also pushed the net interest margin higher, by 93 bps to 6.97%. Average loans, excluding acquired loans, increased $12 billion to $163 billion, led by
