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1、C O N F I D E N T I A LFirst Quarter 2026 Results April 21,2026This 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 Reports

2、 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.Ca

3、pital 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 forwar

4、d-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 claims

5、 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 such

6、 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,”“go