Capital One 2014 Annual Report Download - page 116

Table 21 presents our 30+ day performing delinquency rates and 30+ day delinquency rates of our portfolio of loans
held for investment, including Acquired Loans, by portfolio segment, as of December 31, 2014 and 2013.
Table 21: 30+ Day Delinquencies
December 31, 2014 December 31, 2013
30+ Day Performing 30+ Day 30+ Day Performing 30+ Day
Delinquencies Delinquencies Delinquencies Delinquencies
(Dollars in millions) Amount Rate(1) Amount Rate(1) Amount Rate(1) Amount Rate(1)
Credit Card:
Domestic credit card . . . . . . . . . $2,538 3.27% $2,538 3.27% $2,514 3.43% $2,514 3.43%
International credit card . . . . . . . 240 2.94 294 3.60 299 3.71 367 4.56
Total credit card . . . . . . . . . . . . . . 2,778 3.24 2,832 3.30 2,813 3.46 2,881 3.54
Consumer Banking:
Auto . . . . . . . . . . . . . . . . . . . . . . $2,486 6.57% $2,682 7.09% $2,181 6.85% $2,375 7.46%
Home loan(2) . . . . . . . . . . . . . . . . 64 0.21 302 1.01 55 0.16 323 0.91
Retail banking . . . . . . . . . . . . . . 23 0.64 40 1.11 25 0.69 52 1.44
Total consumer banking(2) . . . . . . . 2,573 3.60 3,024 4.23 2,261 3.20 2,750 3.89
Commercial Banking:
Commercial and multifamily
real estate . . . . . . . . . . . . . . . . $ 85 0.37% $ 117 0.51% $ 29 0.14% $ 64 0.31%
Commercial and industrial . . . . 15 0.05 73 0.27 73 0.31 108 0.46
Total commercial lending . . . . 100 0.20 190 0.38 102 0.23 172 0.39
Small-ticket commercial
real estate . . . . . . . . . . . . . . . . 6 0.72 10 1.28 8 0.79 11 1.17
Total commercial banking . . . . . . . 106 0.21 200 0.39 110 0.24 183 0.41
Other:
Other loans . . . . . . . . . . . . . . . . . . 3 2.84 14 12.23 4 3.32 19 15.72
Total(2) . . . . . . . . . . . . . . . . . . . . . . $5,460 2.62 $6,070 2.91 $5,188 2.63 $5,833 2.96
(1) Calculated by loan category by dividing 30+ day delinquent loans as of the end of the period by period-end loans held for investment for
the specified loan category, including Acquired Loans as applicable.
(2) Excluding the impact of Acquired Loans, the 30+ day performing rates for home loan portfolio, total consumer banking, and total loans
held for investment are 0.94%, 5.34%, and 2.95%, respectively, as of December 31, 2014, 0.78%, 5.32%, and 3.08%, respectively, as of
December 31, 2013. Excluding the impact of Acquired Loans, the 30+ day delinquency rates for home loan portfolio, total consumer
banking, and total loans held for investment are 4.45%, 6.28%, and 3.28%, respectively, as of December 31, 2014, and 4.55%, 6.47%, and
3.46%, respectively, as of December 31, 2013.
94 Capital One Financial Corporation (COF)