Capital One Financial Corporation (COF) Q4 2024 Earnings Conference Call Transcript

Capital One Financial Corporation (NYSE: COF

corporate participants

Jeff Norris – Senior Vice President of Finance
Andrew Young – Chief Financial Officer
Richard Fairbank – Chairman and CEO

conference call participants

Ryan Nash – Goldman Sachs
Matri – Barclays
Rick Shawn – JP Morgan
John Pancalli – Evercore ISI
Mihir Bhatia – Bank of America
Bill Kakash-Wolf Research Equities
Moses Orenbuch – TD Cowen
Don Vanderti – Wells Fargo
Sanjay Thackerani – KBW
John Hecht-Jeffries

operator

Have a great day and thank you for your support.歡迎參加第一資本2024 年第四季財報電話會議。 Please note that today’s session is being recorded.演講者演講結束後，將進行問答環節。 [Operator Instructions]

現在我想將會議交給今天的發言人、財務高級副總裁傑夫·諾里斯(Jeff Norris)。 Please continue.

Jeff Norris

Thanks Josh and welcome everyone. As a reminder, as always, we are conducting live webcasts over the Internet. To call via the Internet, please log on to Capital One’s website at CapitalOne.com and click on the link there.除了新聞稿和財務數據之外，我們還提供了一份總結2024 年第四季業績的簡報。

With me tonight are Richard Fairbank, Chairman and Chief Executive Officer of Capital One; and Andrew Young, Chief Financial Officer of Capital One. Rich and Andrew will guide you through this demonstration.

To obtain a copy of the presentation and press release, please visit the Capital One website, click on “Investors,” click on “Financials,” and then click on “Quarterly Earnings Release.” Please note that this presentation may contain forward-looking statements. Information regarding Capital One’s financial performance and any forward-looking statements contained in today’s discussion and information