Exhibit 99.1
Capital One Financial Corporation
Monthly Charge-Off and Delinquency Metrics
As of and for the month ended September 30, 2024
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | 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(5) | | $ | 147,762 | | | $ | 149,400 | | | $ | 644 | | | 5.23 | % | | $ | 6,767 | | | 4.53 | % | | N/A | | N/A |
| Consumer Banking: | | | | | | | | | | | | | | | | |
| Auto | | 75,330 | | | 75,505 | | | 122 | | | 1.94 | | | 4,237 | | | 5.61 | | | $ | 685 | | | 0.91 | % |
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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.
(5)The termination of our Walmart program agreement, effective May 21, 2024, increased the Domestic Card net charge-off rate by 36 basis points for September 2024. Excluding this impact, the Domestic Card net charge-off rate would have been 4.87%.
