Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) |
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MONTHLY PERIOD : July 2003 |
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Beginning of the Month Principal Receivables : |
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| 28,376,862,892.69 |
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Beginning of the Month Finance Charge Receivables : |
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| 838,651,539.23 |
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Beginning of the Month Discounted Receivables : |
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| 0.00 |
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Beginning of the Month Total Receivables : |
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| 29,215,514,431.92 |
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Removed Principal Receivables : |
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| 0.00 |
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Removed Finance Charge Receivables : |
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| 0.00 |
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Removed Total Receivables : |
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| 0.00 |
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Additional Principal Receivables : |
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| 634,705,317.04 |
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Additional Finance Charge Receivables : |
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| 34,042,019.40 |
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Additional Total Receivables : |
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| 668,747,336.44 |
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Discounted Receivables Generated this Period |
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| 0.00 |
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End of the Month Principal Receivables : |
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| 29,149,434,774.83 |
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End of the Month Finance Charge Receivables : |
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| 868,438,749.04 |
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End of the Month Discounted Receivables : |
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| 0.00 |
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End of the Month Total Receivables : |
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| 30,017,873,523.87 |
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Excess Funding Account Balance |
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| 0.00 |
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Adjusted Invested Amount of all Master Trust Series |
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| 24,776,119,883.49 |
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End of the Month Seller Percentage |
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| 15.00 | % |
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CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES) |
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MONTHLY PERIOD : July 2003 |
| ACCOUNTS |
| RECEIVABLES |
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End of the Month Delinquencies : |
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30 - 59 Days Delinquent |
| 399,663 |
| 477,058,466.00 |
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60 - 89 Days Delinquent |
| 266,449 |
| 344,408,327.02 |
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90 + Days Delinquent |
| 479,620 |
| 700,689,087.21 |
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Total 30 + Days Delinquent |
| 1,145,732 |
| 1,522,155,880.23 |
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 5.07 | % |
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Defaulted Accounts During the Month |
| 158,998 |
| 160,489,030.32 |
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 6.64 | % |
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CAPITAL ONE MASTER TRUST (COLLECTIONS) |
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MONTHLY PERIOD : July 2003 |
| COLLECTIONS |
| PERCENTAGES |
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Total Collections and Gross Payment Rate |
| 5,187,186,813.79 |
| 17.36% |
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Collections of Principal Receivables and Principal Payment Rate |
| 4,675,255,547.48 |
| 16.12% |
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Prior Month Billed Finance Charge and Fees |
| 374,814,510.38 |
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Amortized AMF Income |
| 31,431,114.08 |
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Interchange Collected |
| 63,570,507.83 |
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Recoveries of Charged Off Accounts |
| 45,997,416.00 |
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Collections of Discounted Receivables |
| 0.00 |
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Collections of Finance Charge Receivables and Annualized Yield |
| 515,813,548.29 |
| 21.34% |
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) |
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MONTHLY PERIOD : July 2003 |
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Beginning Unamortized AMF Balance |
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| 162,781,651.78 |
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+ AMF Slug for Added Accounts |
| 14,022,242.55 |
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+ AMF Collections |
| 27,548,832.10 |
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- Amortized AMF Income |
| 31,431,114.08 |
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Ending Unamortized AMF Balance |
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| 172,921,612.35 |
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* For calculations purposes Beginning of Month Principal Receivables Includes Additional Principal Receivables.
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