Capital One (COF) Domestic Net Charge Offs $264M in Sept., Rate at 3.93%

Domestic Card Metrics^{(1) (2)}

Net principal charge-offs

Average loans held for investment

Net charge-off rate⁽³⁾

30+ day performing delinquencies

Period-end loans held for investment

30+ day performing delinquency rate⁽⁴⁾

International Card Metrics⁽²⁾

Net principal charge-offs

Average loans held for investment

Net charge-off rate⁽³⁾

30+ day performing delinquencies

Period-end loans held for investment

30+ day performing delinquency rate⁽⁴⁾

Auto Finance Metrics

Net principal charge-offs

Average loans held for investment

Net charge-off rate⁽³⁾

30+ day performing delinquencies

Nonperforming loans

Period-end loans held for investment

30+ day performing delinquency rate⁽⁴⁾

Nonperforming loan rate⁽⁵⁾

On May�1,
2012, we completed the acquisition of assets and assumption of liabilities of HSBC’s credit card and private-label credit card business in the United States (the “HSBC Transaction”).
Our Domestic Card metrics as of and for the month
ended September�30, 2012 reported above include the impact of the credit card receivables acquired in the HSBC Transaction. For additional information on the HSBC Transaction and its impact on our credit quality metrics, please see our
Quarterly Report on Form 10-Q for the period ended June�30, 2012.

Period-end loans held for investment and average loans held for investment include accrued finance charges and fees, net of the estimated uncollectible
amount.�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. The estimated uncollectible
amount of billed finance charges and fees is reflected as a reduction in revenue and is not included in our net charge-offs.