CAPITAL ONE $COF Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $16.3B (Est. $16.27B) 🟡 🔹 Adj. EPS: $6.69 (Est. $5.50) 🟢 🔹 GAAP EPS: $5.61; +16% YoY 🔹 Net Income: $3.5B Other Q3 Metrics: 🔹 Net Interest Margin: 8.41% 🔹 Pre-Provision Earnings: $7.5B 🔹 Non-Interest Expense: $8.9B 🔹 Provision for Credit Losses: $2.9B 🔹 Net Charge-offs: $3.1B 🔹 Efficiency Ratio: 54.19% 🔹 Adj. Efficiency Ratio: 48.76% 🔹 CET1 Ratio: 13.8% Loans & Deposits: 🔹 Period-End Loans: $462.5B 🔹 Credit Card Loans: $276.4B 🔹 Consumer Banking Loans: $94.0B 🔹 Commercial Banking Loans: $92.1B 🔹 Period-End Deposits: $480.7B 🔹 Average Deposits: $482.6B Key Updates: 🔸 Acquisition amortization expenses: $483M pre-tax, $0.60 per share 🔸 Discover integration expenses: $338M pre-tax, $0.42 per share 🔸 Brex integration expenses: $47M pre-tax, $0.06 per share 🔸 $225M loan reserve release Comments: 🔸 “The Discover integration continues to go well and we’re making good progress on delivering the expected synergies”