Exhibit 99.1
 
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended March 31, 2020
 
 
Loans Held for Investment
 
Net Charge-Offs
 
30+ Day Performing Delinquencies(5)
 
Nonperforming Loans
(Dollars in millions, except as noted)
 
Average
 
Period-End
 
Amount
 
Rate(1)
 
Amount
 
Rate(2)
 
Amount
 
Rate(3)
Credit Card:(4)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Domestic
 
$
110,889

 
$
109,549

 
$
468

 
5.06
%
 
$
4,046

 
3.69
%
 
N/A

 
N/A

Consumer Banking:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    Auto
 
61,347

 
61,364

 
70

 
1.38

 
3,246

 
5.29

 
$
381

 
0.62
%
___________________
(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 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. Finance charges and fees that are charged off are reflected as a reduction in revenue.
(5)  
Include the impact of COVID-19 customer assistance programs.