Capital One Financial Corporation · NYSE:COF
Capital One Financial — Q4 2014 Earnings Presentation
10 slides from Capital One Financial's earnings presentation, Jan 22, 2015
Slide 1: Fourth Quarter 2014 Results
Fourth Quarter 2014 Results January 22, 2015 1
Slide 2: Forward-Looking Statements
Forward-Looking Statements Please note that the following materials containing information regarding Capital One’s financial performance speak only as of the particular date or dates indicated in these materials. Capital One does not undertake any obligation to update or revise any of the informatio
Slide 3: Income Statement
Fourth Quarter 2014 Results Income Statement 2014 Q4 vs. Year Ended 2014 2014 2014 2014 2014 2013 2014 2013 vs. (Dollars in millions, except per share data and as noted) (unaudited) Q4 Q3 Q2 Q1 Q4 Q3 Q4 2014 2013 2013 Earnings Net interest income $ 4,656 $ 4,497 $ 4,315 $ 4,350 $ 4,423 4% 5% $ 17,81
Slide 4: Net Interest Margin
Net Interest Margin Average Balances, Net Interest Income and Net Interest Margin 2014 Q4 2014 Q3 2013 Q4 Interest Interest Interest Average Income/ Yield/ Average Income/ Yield/ Average Income/ Yield/ (Dollars in millions) (unaudited) Balance Expense(1) Rate(1) Balance Expense(1) Rate(1) Balance Ex
Slide 5: Capital
Capital • Common equity Tier 1 capital ratio under Basel III Standardized Approach of 12.4% at December 31, 2014 • Estimate common equity Tier 1 capital ratio under Basel III Advanced Approach was above 8%1 target at December 31, 2014 • Reduced net common shares outstanding by 5 million shares in Q4
Slide 6: Credit Card
Credit Card Credit Card Performance Metrics 2014 Q4 vs. Year Ended 2014 2014 2014 2014 2014 2013 2014 2013 vs. (Dollars in millions) (unaudited) Q4 Q3 Q2 Q1 Q4 Q3 Q4 2014 2013 2013 Credit Card Earnings: Net interest income $ 2,697 $ 2,627 $ 2,461 $ 2,525 $ 2,576 3% 5% $ 10,310 $ 10,967 (6) % Non-int
Slide 7: Domestic Card
Domestic Card Domestic Card Performance Metrics 2014 Q4 vs. Year Ended 2014 2014 2014 2014 2014 2013 2014 2013 vs. (Dollars in millions) (unaudited) Q4 Q3 Q2 Q1 Q4 Q3 Q4 2014 2013 2013 Domestic Card Earnings: Net interest income $ 2,432 $ 2,361 $ 2,193 $ 2,255 $ 2,303 3% 6% $ 9,241 $ 9,887 (7) % Non
Slide 8: Consumer Banking
Consumer Banking Consumer Banking Performance Metrics 2014 Q4 vs. Year Ended 2014 2014 2014 2014 2014 2013 2014 2013 vs. (Dollars in millions) (unaudited) Q4 Q3 Q2 Q1 Q4 Q3 Q4 2014 2013 2013 Consumer Banking Earnings: Net interest income $ 1,459 $ 1,425 $ 1,431 $ 1,433 $ 1,468 2% (1) % $ 5,748 $ 5,9
Slide 9: Commercial Banking
Commercial Banking Commercial Banking Performance Metrics 2014 Q4 vs. Year Ended 2014 2014 2014 2014 2014 2013 2014 2013 vs. (Dollars in millions) (unaudited) Q4 Q3 Q2 Q1 Q4 Q3 Q4 2014 2013 2013 Commercial Banking Earnings: Net interest income $ 455 $ 439 $ 436 $ 421 $ 447 4% 2% $ 1,751 $ 1,674 5% N
Slide 10: We remain focused on delivering value
We remain focused on delivering value Attractive & Resilient Risk Capital Distribution Adjusted Returns 10
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