第一资本信贷Capital One Financial（COF）2025年第四季度及全年业绩报告「NYSE」（英文版）（22页）.pdf

1、C O N F I D E N T I A LFourth Quarter 2025 Results January 22,2026This presentation and related communications should be read in conjunction with the financial statements,notes,and other information contained in Capital Ones Annual Reports on Form 10-K,Quarterly Reports on Form 10-Q,and Current Repo

2、rts on Form 8-K.Please note that the following materials containing information regarding Capital Ones financial performance is preliminary and based on Capital Ones data available at the time of the earnings presentation.It speaks only as of the particular date or dates indicated in these materials

3、.Capital One does not undertake any obligation to update or revise any of the information contained herein whether as a result of new information,and future events or otherwise.Certain statements in this presentation and other oral and written statements made by Capital One from time to time are for

4、ward-looking statements,including those that discuss,among other things:strategies,goals,outlook or other non-historical matters;projections,revenues,income,returns,expenses,assets,liabilities,capital and liquidity measures,capital allocation plans,accruals for claims in litigation and for other cla

5、ims against Capital One,earnings per share,efficiency ratio,operating efficiency ratio or other financial measures for Capital One;future financial and operating results;Capital Ones plans,objectives,expectations and intentions;and the assumptions that underlie these matters.To the extent that any s

6、uch information is forward-looking,it is intended to fit within the safe harbor for forward-looking information provided by the Private Securities Litigation Reform Act of 1995.Forward-looking statements often use words such as“will,”“anticipate,”“target,”“expect,”“think,”“estimate,”“intend,”“plan,”