1、2023 REPORTE N V I R O N M E N T A L,S O C I A L A N D G O V E R N A N C EWest Creek campus(Richmond,Virginia)T A B L E O F C O N T E N T SINTRODUCTION3 A message from Rich Fairbank6 About this reportABOUT8Companyprofile9 Business overview10 Our approach to ESGENVIRONMENTAL12Sustainabilityoverview15

2、Climategovernance17Ourclimatestrategy22Climateriskmanagement23 Metrics and targetsSOCIAL30Humancapital34Workplacediversity,inclusionandbelonging45Consumerwell-beingandfinancialinclusion53Communityengagementandsocialimpact66 Privacy and data securityGOVERNANCE68 Corporate governance and ESG oversight

3、74Businessethicsandresponsiblebusinesspractices76Politicalactivity78 Risk managementAPPENDIX81 Limitedassuranceverification2ENVIRONMENTAL,SOCIAL&GOVERNANCE REPORTINTRODUCTIONABOUTENVIRONMENTALSOCIALGOVERNANCEAPPENDIXA MESSAGE FROMRich FairbankFounderandChiefExecutiveOfficerIn2024,CapitalOnecelebrate

4、s30yearsasapubliccompany.Wewerefoundedonthebeliefthatwecouldusedata,analytics,scientifictestingandstatisticalmodelingwhatwecalledaninformation-based strategytoreimaginebanking.Weworkedtocreate atechnologycompanythatdoesbankingandthat coulddeliverbreakthroughproductsandservicesto customerswhohadtradi

5、tionallybeenleftbehindbythebanking industry.Wehavespentthreedecadesmakingbold,oftenlonelychoicesinourquesttobuildadifferentkindofcompany.The choice to take on a staid industry dominated by banks with a century head start.The choice to diversify the companybeyondcreditcardsandtobuildabrandfromscratch

6、.Todedicatetheentirecompanytoadecade-longtechnologytransformation.Andthechoicetodefineoursuccess by how we win with customers and associates overthelong-term,ratherthansolelyprioritizingshort-termfinancialresults.Today,over100millioncustomershavejoinedusonthis quest.We serve consumers at every stage