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第一资本信贷Capital One Financial(COF)2025年第四季度及全年财务补充报告「NYSE」(英文版)(26页).pdf

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1、Exhibit 99.2Capital One Financial CorporationFinancial Supplement(1)(2)(3)Fourth Quarter 2025Table of ContentsCapital One Financial Corporation Consolidated ResultsPageTable 1:Financial SummaryConsolidated1Table 2:Selected MetricsConsolidated3Table 3:Consolidated Statements of Income4Table 4:Consoli

2、dated Balance Sheets6Table 5:Notes to Financial Summary,Selected Metrics and Consolidated Financial Statements(Tables 14)8Table 6:Average Balances,Net Interest Income and Net Interest Margin9Table 7:Loan Information and Performance Statistics10Table 8:Allowance for Credit Losses and Reserve for Unfu

3、nded Lending Commitments Activity13Business Segment ResultsTable 9:Financial SummaryBusiness Segment Results14Table 10:Financial&Statistical SummaryCredit Card Business15Table 11:Financial&Statistical SummaryConsumer Banking Business17Table 12:Financial&Statistical SummaryCommercial Banking Business

4、18Table 13:Financial&Statistical SummaryOther and Total19OtherTable 14:Notes to Net Interest Margin,Loan,Allowance and Business Segment Disclosures(Tables 613)20Table 15:Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAP Measures21_(1)The information contained in this Financia

5、l Supplement is preliminary and based on data available at the time of the earnings presentation.Investors should refer to our Annual Report on Form 10-K for the period ended December 31,2025 once it is filed with the Securities and Exchange Commission.(2)This Financial Supplement includes non-GAAP

6、measures.We believe these non-GAAP measures are useful to investors and users of our financial information as they provide an alternate measurement of our performance and assist in assessing our capital adequacy and the level of return generated.These non-GAAP measures should not be viewed as a subs

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1. **财务表现**:Capital One 2025年Q4净利润21.34亿美元,同比降48%;全年净利润24.53亿美元,同比降48%。净利息收入124.66亿美元(Q4),全年428.78亿美元,同比增37%。 2. **业务增长**:信用卡贷款余额4536.22亿美元(Q4),同比增38%;信用卡购买量828.47亿美元(全年),同比增27%。存款余额4757.71亿美元(Q4),同比增31%。 3. **信用质量**:Q4信贷损失准备金41.42亿美元,净核销率3.45%;全年净核销率3.30%,同比降9个基点。30天以上逾期率3.41%(Q4),同比降28个基点。 4. **资本充足率**:Q4一级普通资本比率14.3%, tangible普通股权益回报率9.74%(Q4), tangible账面价值每股107.72美元。
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