Exhibit 99.1

Capital One Financial Corporation

Monthly Charge-Off and Delinquency Metrics

As of and for the month ended December 31, 2023

	Loans Held for Investment				Net Charge-Offs				30+ Day Performing Delinquencies				Nonperforming Loans
(Dollars in millions, except as noted)	Average		Period-End		Amount		Rate(1)		Amount		Rate(2)		Amount		Rate(3)
Credit Card:(4)(5)
Domestic	$	145,553	$	147,666	$	701	5.78	%	$	6,806	4.61	%	N/A		N/A
Consumer Banking:
Auto	74,378		74,075		135		2.18		4,696		6.34		$	712	0.96	%

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(1)Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. Net charge-offs and the net charge-off rate are impacted periodically by fluctuations in recoveries, including impacts of debt sales.

(2)30+ day performing delinquency rate is 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.

(3)Nonperforming loan rate is calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.

(4)Period-end loans held for investment and average loans held for investment include billed finance charges and fees. 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. Billed finance charges and fees that are ultimately uncollectible are reflected as a reduction in revenue and not included in our net charge-offs.

(5)In December 2023, we recognized $18 million of incremental net charge-offs on certain loans in hardship programs from the one-time impact of operational delays, which increased the monthly net charge-off rate by approximately 15 basis points. Excluding this impact, the annualized December net charge-off rate would have been 5.63%.