Exhibit 99.1
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended February 29, 2020
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) | |||||||||||||||||||||||||||||
Domestic | $ | 114,223 | $ | 113,333 | $ | 446 | 4.68 | % | $ | 4,397 | 3.88 | % | N/A | N/A | |||||||||||||||
Consumer Banking: | |||||||||||||||||||||||||||||
Auto | 61,035 | 61,100 | 64 | 1.25 | 3,446 | 5.64 | $ | 389 | 0.64 | % |
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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 charged off as uncollectible are reflected as a reduction in revenue. |