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第一资本信贷Capital One Financial(COF)2025年第一季度业绩报告「NYSE」(英文版)(16页).pdf

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1、First Quarter 2025 ResultsApril 22,2025 1This 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 on Form 8-K.Please no

2、te 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.Capital One does not und

3、ertake 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 forward-looking statements,i

4、ncluding 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 claimsagainst Capital One,ea

5、rnings per share,efficiency ratio,operating efficiency ratio or other financial measures for Capital One;future financial and operating results;Capital Ones plans,objectives,expectations andintentions;and the assumptions that underlie these matters.To the extent that any such information is forward-

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

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根据报告的内容,以下是全文主要内容的概括: 1. Capital One 2025年第一季度业绩:净利润140亿美元,每股摊薄后盈利3.45美元;调整后每股摊薄后盈利4.06美元;拨备前利润410亿美元,拨备2.4亿美元。 2. 资产负债情况:截至3月31日,贷款总额3236亿美元,存款总额3675亿美元;一级资本充足率13.6%。 3. 各业务板块情况:信用卡业务贷款和购买量同比增长4-5%,净息差18.32%;消费银行业务贷款同比增长5%,存款同比增长8%;商业银行业务贷款和存款基本持平。 4. 风险情况:拨备覆盖率4.91%,信用卡业务净冲销率6.14%,消费银行业务净冲销率1.60%。 5. 股东回报:回购股票737万股,总金额15亿美元;每股账面价值113.74美元,同比增长6%。 以上是对全文主要内容的简要概括。
第一季度业绩如何? 资本回报率是多少? 资本充足率是多少?
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