Capital One Financial Corporation · NYSE:COF

Capital One Financial — Q2 2015 Earnings Presentation

11 slides from Capital One Financial's earnings presentation, Jul 23, 2015

  1. Slide 1: Second Quarter 2015 Results

    Second Quarter 2015 Results July 23, 2015 1

  2. 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

  3. Slide 3: Second Quarter 2015 Results: Income Statement

    Second Quarter 2015 Results Income Statement 2015 Q2 vs. Six Months Ended June 30, 2015 2015 2014 2014 2014 2015 2014 2015 vs. (Dollars in millions, except per share data and as noted) (unaudited) Q2 Q1 Q4 Q3 Q2 Q1 Q2 2015 2014 2014 Income Statement Net interest income $ 4,537 $ 4,576 $ 4,656 $ 4,49

  4. Slide 4: Net Interest Margin

    Net Interest Margin Average Balances, Net Interest Income and Net Interest Margin 2015 Q2 2015 Q1 2014 Q2 Interest Interest Interest Average Income/ Yield/ Average Income/ Yield/ Average Income/ Yield/ (Dollars in millions) (unaudited) Balance Expense Rate Balance Expense Rate Balance Expense Rate I

  5. Slide 5: Capital

    Capital • Common equity Tier 1 capital ratio under Basel III Standardized Approach of 12.1% at June 30, 2015 • Estimated common equity Tier 1 capital ratio under Basel III Advanced Approaches remained above 8%1 target at June 30, 2015 • Reduced net common shares outstanding by 5.5 million shares in

  6. Slide 6: Credit Card

    Credit Card Credit Card Performance Metrics 2015 Q2 vs. Six Months Ended June 30, 2015 2015 2014 2014 2014 2015 2014 2015 vs. (Dollars in millions) (unaudited) Q2 Q1 Q4 Q3 Q2 Q1 Q2 2015 2014 2014 Credit Card Earnings: Net interest income $ 2,633 $ 2,666 $ 2,697 $ 2,627 $ 2,461 (1)% 7% $ 5,299 $ 4,98

  7. Slide 7: Domestic Card

    Domestic Card Domestic Card Performance Metrics 2015 Q2 vs. Six Months Ended June 30, 2015 2015 2014 2014 2014 2015 2014 2015 vs. (Dollars in millions) (unaudited) Q2 Q1 Q4 Q3 Q2 Q1 Q2 2015 2014 2014 Domestic Card Earnings: Net interest income $ 2,395 $ 2,421 $ 2,432 $ 2,361 $ 2,193 (1)% 9% $ 4,816

  8. Slide 8: Consumer Banking

    Consumer Banking Consumer Banking Performance Metrics 2015 Q2 vs. Six Months Ended June 30, 2015 2015 2014 2014 2014 2015 2014 2015 vs. (Dollars in millions) (unaudited) Q2 Q1 Q4 Q3 Q2 Q1 Q2 2015 2014 2014 Consumer Banking Earnings: Net interest income $ 1,444 $ 1,434 $ 1,459 $ 1,425 $ 1,431 1% 1% $

  9. Slide 9: Commercial Banking

    Commercial Banking Commercial Banking Performance Metrics 2015 Q2 vs. Six Months Ended June 30, 2015 2015 2014 2014 2014 2015 2014 2015 vs. (Dollars in millions) (unaudited) Q2 Q1 Q4 Q3 Q2 Q1 Q2 2015 2014 2014 Commercial Banking Earnings: Net interest income $ 466 $ 461 $ 455 $ 439 $ 436 1% 7% $ 927

  10. Slide 10: We remain focused on delivering value

    We remain focused on delivering value Attractive & Resilient Risk Capital Distribution Adjusted Returns 10

  11. Slide 11: Second Quarter 2015 Results Adjusted

    Second Quarter 2015 Results Adjusted Reported Adjusted (Dollars in millions, except per share data and as noted) (unaudited) Results Adjustment(1) Results Income Statement Net interest income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

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