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Great Places to Work & Acquisition Impact

The combined company would generate attractive operating results before synergies Revenue Margin¹ 2023 Combined Company Pro Forma Metrics (Actual Results; Excludes Synergies) Adj. Operating Efficiency Ratio² Adj. Total Efficiency Ratio³ ROTCE4 9.1% 39.6% 49.5% 15.9% Note: All figures exclude synergies; 1) Calculated as Total Revenue / Average Interest Earning Assets; 2) Non-GAAP measure; calculated as Non-Marketing Operating Expenses net of FDIC special assessment expense for Capital One / Total Revenue; 3) Non-GAAP measure; calculated as Total Expenses net of FDIC special assessment expense for Capital One / Total Revenue; 4) Non-GAAP measure; calculated as Net Income to Common Shareholders adjusted for FDIC special assessment expense for Capital One / Average Total Common Equity Source: Company Reports 22
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