EX-99.1 2 exhibit991.htm EXHIBIT 99.1 Exhibit99.1
                        


Exhibit 99.1
 
Capital One Financial Corporation
Monthly Charge-off and Delinquency Statistics
As of and for the month ended May 31, 2015
(Dollars in millions)
 
May 2015
Domestic Card Metrics(1)
 
 
Net charge-offs
 
$
214

Average loans held for investment
 
75,795

Net charge-off rate(2)
 
3.39
%
30+ day performing delinquencies
 
$
2,119

Period-end loans held for investment
 
77,266

30+ day performing delinquency rate(3)
 
2.74
%
 
 
 
International Card Metrics(1)
 
 
Net charge-offs
 
$
19

Average loans held for investment
 
8,164

Net charge-off rate(2) 
 
2.74
%
30+ day performing delinquencies
 
$
213

Nonperforming loans
 
67

Period-end loans held for investment
 
8,122

30+ day performing delinquency rate(3)
 
2.63
%
Nonperforming loan rate(4)
 
0.83

 
 
 
Auto Metrics
 
 
Net charge-offs
 
$
37

Average loans held for investment
 
39,568

Net charge-off rate(2)
 
1.13
%
30+ day performing delinquencies
 
$
2,165

Nonperforming loans
 
159

Period-end loans held for investment
 
39,735

30+ day performing delinquency rate(3)
 
5.45
%
Nonperforming loan rate(4)
 
0.40

___________________
(1)
Period-end loans held for investment and average loans held for investment include accrued finance charges and fees, net of the estimated uncollectible amount. We recognize billed finance charges and fee income on open-ended loans in accordance with the contractual provisions of the credit arrangements and estimate the uncollectible amount on a quarterly basis. The estimated uncollectible amount of billed finance charges and fees is reflected as a reduction in revenue and is not included in our net charge-offs.
(2)
Calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category.
(3)
Calculated by dividing 30+ day performing delinquent loans as of the end of the period by period-end loans held for investment for the specified loan category.
(4)
Calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.