Capital One Financial (COF) 8-K Regulation FD Disclosure

Exhibit 99.1

Capital One Financial Corporation

Monthly Charge-off and Delinquency Statistics

As of and for the month ended July 31, 2012

(Dollars in millions)

	July 2012
Domestic Card Metrics(1)(2)
Net principal charge-offs	$	175
Average loans held for investment		80,248
Net charge-off rate(3)		2.62	%
30+ day performing delinquencies		2,490
Period-end loans held for investment	$	80,571
30+ day performing delinquency rate(4)		3.09	%
International Card Metrics(2)
Net principal charge-offs	$	33
Average loans held for investment		8,061
Net charge-off rate(3)		4.97	%
30+ day performing delinquencies	$	389
Period-end loans held for investment		8,122
30+ day performing delinquency rate(4)		4.78	%
Auto Finance Metrics
Net principal charge-offs	$	33
Average loans held for investment		25,504
Net charge-off rate(3)		1.55	%
30+ day performing delinquencies	$	1,481
Nonperforming loans		105
Period-end loans held for investment		25,744
30+ day performing delinquency rate(4)		5.75	%
Nonperforming loan rate(5)		0.41	%

⁽¹⁾  On May 1, 2012, we completed the acquisition of assets and assumption of liabilities of HSBC’s U.S. credit card business (the “HSBC Transaction”). Our Domestic Card metrics as of and for the month ended July 31, 2012 reported above include the impact of the credit card receivables acquired in the HSBC Transaction. For additional information on the HSBC Transaction and its impact on our credit quality metrics, please see our Quarterly Report on Form 10-Q for the period ended June 30, 2012.

⁽²⁾  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.

⁽³⁾ Calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category.

⁽⁴⁾ 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.

⁽⁵⁾ Calculated by dividing nonperforming loans as of the end of the period by period-end loans held for investment for the specified loan category.