Third Quarter 2023 Financial Results

Net Interest Income and Net Interest Margin 14% Q/Q 16% Y/Y $7,423 $7,197 $7,186 $7,113 $7,003 6.80% 6.84% 6.60% 6.69% 6.48% 3Q22 4Q22 1Q23 2Q23 3Q23 Net Interest Income ($M) Net Interest Margin Capital One • Third Quarter 2023 Highlights Net interest margin increased 21 basis points quarter-over-quarter driven by higher yields and growth in our Credit Card loan portfolio and higher day count, partially offset by higher rates paid on interest-bearing deposits Net interest margin decreased 11 basis points year-over-year driven by higher rates paid on interest-bearing deposits. partially offset by higher asset yields and growth in our Credit Card loan portfolio

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