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Capital One Financial (COF)

Filed: 16 May 21, 8:00pm
                        

Exhibit 99.1
 
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended April 30, 2021
Loans Held for InvestmentNet Charge-Offs30+ Day Performing DelinquenciesNonperforming Loans
(Dollars in millions, except as noted)AveragePeriod-EndAmount
Rate(1)
Amount
Rate(2)
Amount
Rate(3)
Credit Card:(4)
    Domestic$89,944 $90,881 $180 2.40 %$1,746 1.92 %N/AN/A
Consumer Banking:
    Auto67,953 68,928 (21)(0.37)1,889 2.74 $173 0.25 %
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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 ultimately uncollectible are reflected as a reduction in revenue and not included in our net charge-offs.