Capital One Financial Corporation · NYSE:COF
Capital One Financial — Q1 2015 Earnings Presentation
10 slides from Capital One Financial's earnings presentation, Apr 23, 2015
Slide 1: First Quarter 2015 Results
First Quarter 2015 Results April 23, 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
First Quarter 2015 Results Income Statement 2015 Q1 vs. 2015 2014 2014 2014 2014 2014 2014 (Dollars in millions, except per share data and as noted) (unaudited) Q1 Q4 Q3 Q2 Q1 Q4 Q1 Earnings Net interest income $ 4,576 $ 4,656 $ 4,497 $ 4,315 $ 4,350 (2)% 5% Non-interest income 1,071 1,157 1,142 1,1
Slide 4: Net Interest Margin
Net Interest Margin Average Balances, Net Interest Income and Net Interest Margin 2015 Q1 2014 Q4 2014 Q1 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
Slide 5: Capital
Capital • Common equity Tier 1 capital ratio under Basel III Standardized Approach of 12.5% at March 31, 2015 • Estimated common equity Tier 1 capital ratio under Basel III Advanced Approaches remained above 8%1 target at March 31, 2015 • Reduced net common shares outstanding by 5 million shares in
Slide 6: Credit Card
Credit Card Credit Card Performance Metrics 2015 Q1 vs. 2015 2014 2014 2014 2014 2014 2014 (Dollars in millions) (unaudited) Q1 Q4 Q3 Q2 Q1 Q4 Q1 Credit Card Earnings: Net interest income $ 2,666 $ 2,697 $ 2,627 $ 2,461 $ 2,525 (1)% 6% Non-interest income 816 841 846 839 785 (3) 4 Total net revenue
Slide 7: Domestic Card
Domestic Card Domestic Card Performance Metrics 2015 Q1 vs. 2015 2014 2014 2014 2014 2014 2014 (Dollars in millions) (unaudited) Q1 Q4 Q3 Q2 Q1 Q4 Q1 Domestic Card Earnings: Net interest income $ 2,421 $ 2,432 $ 2,361 $ 2,193 $ 2,255 —% 7% Non-interest income 743 768 763 768 702 (3) 6 Total net reve
Slide 8: Consumer Banking
Consumer Banking Consumer Banking Performance Metrics 2015 Q1 vs. 2015 2014 2014 2014 2014 2014 2014 (Dollars in millions) (unaudited) Q1 Q4 Q3 Q2 Q1 Q4 Q1 Consumer Banking Earnings: Net interest income $ 1,434 $ 1,459 $ 1,425 $ 1,431 $ 1,433 (2)% —% Non-interest income 158 185 179 170 150 (15) 5 To
Slide 9: Commercial Banking
Commercial Banking Commercial Banking Performance Metrics 2015 Q1 vs. 2015 2014 2014 2014 2014 2014 2014 (Dollars in millions) (unaudited) Q1 Q4 Q3 Q2 Q1 Q4 Q1 Commercial Banking Earnings: Net interest income $ 461 $ 455 $ 439 $ 436 $ 421 1% 10% Non-interest income 114 132 122 109 87 (14) 31 Total 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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