Exhibit 20.1
CAPITAL ONE MASTER TRUST (RECEIVABLES) *
MONTHLY PERIOD : November 2003
Beginning of the Month Principal Receivables : |
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| 31,197,931,691.72 |
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Beginning of the Month Finance Charge Receivables : |
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| 945,021,998.38 |
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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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| 32,142,953,690.10 |
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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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| 937,292,103.86 |
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Additional Finance Charge Receivables : |
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| 46,345,162.07 |
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Additional Total Receivables : |
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| 983,637,265.93 |
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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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| 31,727,276,794.95 |
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End of the Month Finance Charge Receivables : |
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| 964,745,508.83 |
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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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| 32,692,022,303.78 |
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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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| 27,598,456,802.15 |
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End of the Month Seller Percentage |
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| 13.01 | % |
CAPITAL ONE MASTER TRUST (DELINQUENCIES AND LOSSES)
MONTHLY PERIOD : November 2003 |
| ACCOUNTS |
| RECEIVABLES |
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End of the Month Delinquencies : |
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30 - 59 Days Delinquent |
| 427,830 |
| 497,842,254.87 |
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60 - 89 Days Delinquent |
| 265,657 |
| 349,024,026.46 |
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90 + Days Delinquent |
| 549,835 |
| 800,317,555.92 |
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Total 30 + Days Delinquent |
| 1,243,322 |
| 1,647,183,837.25 |
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Delinquencies 30 + Days as a Percent of End of the Month Total Receivables |
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| 5.04 | % |
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Defaulted Accounts During the Month |
| 194,495 |
| 187,928,539.30 |
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Annualized Default Rate as a Percent of Beginning of the Month Principal Receivables |
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| 7.02 | % |
*For calculation purposes Beginning of Month Principal Receivables includes Additional Principal Receivables.
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CAPITAL ONE MASTER TRUST (COLLECTIONS)
MONTHLY PERIOD : November 2003 |
| COLLECTIONS |
| PERCENTAGES |
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Total Collections and Gross Payment Rate** |
| 5,047,957,793.16 |
| 15.24 | % |
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Collections of Principal Receivables and Principal Payment Rate |
| 4,497,212,102.64 |
| 13.99 | % |
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Prior Month Billed Finance Charge and Fees |
| 411,066,110.35 |
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Amortized AMF Income |
| 38,739,427.20 |
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Interchange Collected |
| 62,419,768.06 |
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Recoveries of Charged Off Accounts |
| 44,781,155.20 |
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Collections of Discounted Receivables |
| 0.00 |
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Collections of Finance Charge Receivables and Annualized Yield |
| 557,006,460.81 |
| 20.80 | % |
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CAPITAL ONE MASTER TRUST (AMF COLLECTIONS) |
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MONTHLY PERIOD : November 2003 |
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Beginning Unamortized AMF Balance |
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| 196,886,207.07 |
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+ AMF Slug for Added Accounts |
| 20,634,407.61 |
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+ AMF Collections |
| 32,478,656.91 |
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- Amortized AMF Income |
| 38,739,427.20 |
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Ending Unamortized AMF Balance |
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| 211,259,844.39 |
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** Total Collections and Gross Payment Rate is calculated as a Percent of Beginning of Month Total Receivables which includes Additional Total Receivables.
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