EX-99.1 2 ex991april2023creditmetrics.htm EX-99.1

                        

Exhibit 99.1

 

Capital One Financial Corporation

Monthly Charge-Off and Delinquency Metrics

As of and for the month ended April 30, 2023

						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						$	130,746					$	132,681					$	464					4.26		%				$	4,731					3.57		%				N/A						N/A
Consumer Banking:
Auto						76,525						76,345						74						1.16						3,896						5.10						$	538					0.70		%

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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.