EX-99.1 2 exhibit991.htm EXHIBIT Exhibit99.1
                        


Exhibit 99.1
 
Capital One Financial Corporation
Monthly Charge-off and Delinquency Statistics
As of and for the month ended August 31, 2014
(Dollars in millions)
Domestic Card Metrics(1)
 
August 2014
Net principal charge-offs
$
168

Average loans held for investment
 
71,841

Net charge-off rate(2)
 
2.81
%
30+ day performing delinquencies
$
2,244

Period-end loans held for investment
 
72,794

30+ day performing delinquency rate(3)
 
3.08
%
 
 
 
International Card Metrics(1)
 
 
Net principal charge-offs
$
22

Average loans held for investment
 
7,682

Net charge-off rate(2) 
 
3.50
%
30+ day performing delinquencies
$
263

Nonperforming loans
 
77

Period-end loans held for investment
 
7,686

30+ day performing delinquency rate(3)
 
3.42
%
Nonperforming loan rate(4)
 
1.00

 
 
 
Auto Finance Metrics
 
 
Net principal charge-offs
$
60

Average loans held for investment
 
35,599

Net charge-off rate(2)
 
2.02
%
30+ day performing delinquencies
$
2,194

Nonperforming loans
 
166

Period-end loans held for investment
 
35,789

30+ day performing delinquency rate(3)
 
6.13
%
Nonperforming loan rate(4)
 
0.46

___________________
(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.