COF 10-K Annual Report Dec. 31, 2024 | Alphaminr
CAPITAL ONE FINANCIAL CORP
ALPHAMINR

COF 10-K Fiscal year ended Dec. 31, 2024

Balance Sheet
Cash Flow
Income Statement
Debt
CAPITAL ONE FINANCIAL CORP
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TABLE OF CONTENTS
Part IprintItem 1. BusinessprintItem 1A. Risk FactorsprintItem 1B. Unresolved Staff CommentsprintItem 1C. CybersecurityprintItem 2. PropertiesprintItem 3. Legal ProceedingsprintItem 4. Mine Safety DisclosuresprintPart IIprintItem 5. Market For Registrant S Common Equity, Related Stockholder Matters and Issuer Purchases Of Equity SecuritiesprintItem 6. [reserved]printItem 7. Management S Discussion and Analysis Of Financial Condition and Results Of Operations ( Md&a )printItem 7A. Quantitative and Qualitative Disclosures About Market RiskprintNote 1 Summary Of Significant Accounting PoliciesprintNote 2 Business CombinationsprintNote 3 Investment SecuritiesprintNote 4 LoansprintNote 5 Allowance For Credit Losses and Reserve For Unfunded Lending CommitmentsprintNote 6 Variable Interest Entities and SecuritizationsprintNote 7 Goodwill and Other Intangible AssetsprintNote 8 Premises, Equipment and LeasesprintNote 9 Deposits and BorrowingsprintNote 10 Derivative Instruments and Hedging ActivitiesprintNote 11 Stockholders EquityprintNote 12 Regulatory and Capital AdequacyprintNote 13 Earnings Per Common ShareprintNote 14 Stock-based Compensation PlansprintNote 15 Employee Benefit PlansprintNote 16 Income TaxesprintNote 17 Fair Value MeasurementprintNote 18 Business Segments and Revenue From Contracts with CustomersprintNote 19 Commitments, Contingencies, Guarantees and OthersprintNote 20 Capital One Financial Corporation (parent Company Only)printNote 21 Related Party TransactionsprintItem 9. Changes in and Disagreements with Accountants on Accounting and Financial DisclosureprintItem 9A. Controls and ProceduresprintItem 9B. Other InformationprintItem 9C. Disclosure Regarding Foreign Jurisdictions That Prevent InspectionsprintPart IIIprintItem 10. Directors, Executive Officers and Corporate GovernanceprintItem 11. Executive CompensationprintItem 12. Security Ownership Of Certain Beneficial Owners and Management and Related Stockholder MattersprintItem 13. Certain Relationships and Related Transactions, and Director IndependenceprintItem 14. Principal Accountant Fees and ServicesprintPart IVprintItem 15. Exhibits and Financial Statement SchedulesprintItem 16. Form 10-k Summaryprint

Exhibits

10.2.23*+ Form of Restricted Stock Unit Award Agreements granted to our executive officers under the Amended and Restated 2004 Stock Incentive Plan on February 4, 2025. 10.2.24*+ Form of Performance Unit Award Agreements granted to our executive officers under the Amended and Restated 2004 Stock Incentive Plan on February 4, 2025. 10.3.2+ Form of 1999 Non-Employee Directors Stock Incentive Plan Deferred Share Units Award Agreement between Capital One Financial Corporation and certain of its Directors (incorporated by reference to Exhibit 10.3 of the Quarterly Report on Form 10-Q for the period ended September30, 2004). 10.3.3+ Form of Restricted Stock Unit Award Agreement granted to our directors under theAmended and Restated 2004 Stock Incentive Plan (incorporated by reference to Exhibit 10.3.4 of the 2011 Form 10-K). 10.3.4+ Form of Restricted Stock Unit Award Agreement granted to our directors under theAmended and Restated 2004 Stock Incentive Plan (incorporated by reference to Exhibit 10.1 of the Quarterly Report on Form 10-Q for the period ended June 30, 2018). 10.3.5+ Form of Restricted Stock Unit Award Agreement granted to our directors under theAmended and Restated 2004 Stock Incentive Plan (incorporated by reference to Exhibit 10.2 of the Quarterly Report on Form 10-Q for the period ended June 30, 2019). 10.3.6+ Form of Restricted Stock Unit Award Agreement granted to our directors under theAmended and Restated 2004 Stock Incentive Plan (incorporated by reference to Exhibit 10.1 of the Quarterly Report on Form 10-Q for the period ended June 30, 2022). 10.3.7+ Form of Restricted Stock Unit Award Agreement granted to our U.S. directors under the Amended and Restated 2004 Stock Incentive Plan (incorporated by reference to Exhibit 10.1 of the Quarterly Report on Form 10-Q for the period ended June 30, 2024). 10.3.8+ Form of Restricted Stock Unit Award Agreement granted to our Non-US directors under the Amended and Restated 2004 Stock Incentive Plan (incorporated by reference to Exhibit 10.2 of the Quarterly Report on Form 10-Q for the period ended June 30, 2024). 10.4.1+ Amended and Restated Capital One Financial Corporation Executive Severance Plan (incorporated by reference to Exhibit 10.4.2 of the 2022 Form 10-K). 10.4.2+ Amendment Number One to the Amended and Restated Capital One Financial Corporation Executive Severance Plan (incorporated by reference to Exhibit 10.4.3 of the 2022 Form 10-K). 10.4.3*+ Amendment Number Three to the Amended and Restated Capital One Financial Corporation Executive Severance Plan 10.5+ Amended and Restated Capital One Financial Corporation Non-Employee Directors Deferred Compensation Plan(incorporated by reference to Exhibit 10.5 of the 2023 Form 10-K). 10.6.1+ Amended and Restated Capital One Financial Corporation Voluntary Non-Qualified Deferred Compensation Plan (incorporated by reference to Exhibit 10.6 of the 2011 Form 10-K). 10.6.2+ First Amendment to the Amended and Restated Capital One Financial Corporation Voluntary Non-Qualified Deferred Compensation Plan (incorporated by reference to Exhibit 10.6.2 of the 2012 Form 10-K). 10.7.1+ Form of 2011 Change of Control Employment Agreement between Capital One Financial Corporation and certain executive officers (incorporated by reference to Exhibit 10.8.3 of the 2012 Form 10-K). 10.7.2+ Change of Control Employment Agreement, dated December 10, 2013, between Capital One Financial Corporation and Richard D. Fairbank (incorporated by reference to Exhibit 10.7.3 of the 2013 Form 10-K). 10.8.1+ Form of Non-Competition Agreement between Capital One Financial Corporation and Andrew M. Young, Robert Alexander, and Sanjiv Yajnik (incorporated by reference to Exhibit 10.9 of the 2012 Form 10-K). 10.9+ Form of Retention Bonus Letter Agreement, by and between Capital One Financial Corporation and certain executive officers (incorporated by reference to Exhibit 10.6 of the Quarterly Report on Form 10-Q for the period ended March 31, 2024). 19* Securities Law Policy. 21* Subsidiaries of the Company. 23* Consent of Ernst & Young LLP. 31.1* Certification of Richard D. Fairbank. 31.2* Certification of Andrew M. Young. 32.1** Certification of Richard D. Fairbank. 32.2** Certification of Andrew M. Young. 97 Capital One Financial Corporation Compensation Recoupment Policy(incorporated by reference to Exhibit 97 of the 2023 Form 10-K).