Capital One Financial : Q3 2020 Capital One Financial Earnings Financial Supplement

October 22, 2020 at 04:15 pm EDT

		Exhibit 99.2
	Capital One Financial Corporation
	Financial Supplement(1)(2)
	Third Quarter 2020
	Table of Contents
Capital One Financial Corporation Consolidated Results	Page
Table 1:	FinancialSummary-Consolidated . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 1
Table 2:	SelectedMetrics-Consolidated . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 3
Table 3:	Consolidated Statements of Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 4
Table 4:	Consolidated Balance Sheets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 6
Table 5:	Notes to Financial Summary, Selected Metrics and Consolidated Financial Statements (Tables 1-4) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 8
Table 6:	Average Balances, Net Interest Income and Net Interest Margin . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 9
Table 7:	Loan Information and Performance Statistics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . 10
Table 8:	Allowance for Credit Losses and Reserve for Unfunded Lending Commitments Activity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 12
Business Segment Results
Table 9:	Financial Summary-BusinessSegment Results . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . 14
Table 10: Financial & Statistical Summary-CreditCard Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 15
Table 11: Financial & Statistical Summary-ConsumerBanking Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 17
Table 12: Financial & Statistical Summary-CommercialBanking Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . 18
Table 13: Financial & Statistical Summary-Otherand Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . 19
Other
Table 14: Notes to Loan, Allowance and Business Segment Disclosures (Tables 7-13) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 20
Table 15: Calculation of Regulatory Capital Measures and Reconciliation of Non-GAAPMeasures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	. . . . . 21
__________

The information contained in this Financial Supplement is preliminary and based on data available at the time of the earnings presentation. Investors should refer to our Quarterly Report on Form 10-Q for the period ended September 30, 2020 once it is filed with the Securities and Exchange Commission.
This Financial Supplement includes non-GAAP measures. We believe these non-GAAP measures are useful to investors and users of our financial information as they provide an alternate measurement of our performance and assist in assessing our capital adequacy and the level of return generated. These non-GAAP measures should not be viewed as a substitute for reported results determined in accordance with generally accepted accounting principles in the U.S. ("GAAP"), nor are they necessarily comparable to non-GAAP measures that may be presented by other companies.

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 1: Financial Summary-Consolidated

																	2020 Q3 vs.		Nine Months Ended September 30,
			2020			2020			2020			2019			2019		2020	2019							2020 vs.
(Dollars in millions, except per share data and as noted)			Q3			Q2			Q1			Q4			Q3	Q2		Q3		2020			2019	2019
Income Statement
Net interest income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$	5,555	$	5,460	$	6,025	$	6,066	$	5,737		2 %	(3)%	$	17,040	$	17,274	(1)%
Non-interestincome . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			1,826			1,096			1,224			1,361			1,222		67	49		4,146			3,892	7
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Total net revenue(1)			7,381			6,556			7,249			7,427			6,959		13	6		21,186			21,166		-
Provision for credit losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			331			4,246			5,423			1,818			1,383		(92)	(76)		10,000			4,418	126
Non-interest expense:
Marketing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			283			273			491			710			501		4	(44)		1,047			1,564	(33)
Operating expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			3,265			3,497			3,238			3,451			3,371		(7)	(3)		10,000			9,758	2
Total non-interestexpense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			3,548			3,770			3,729			4,161			3,872		(6)	(8)		11,047			11,322	(2)
Income (loss) from continuing operations before income taxes . . . . . . . . . .			3,502			(1,460)			(1,903)			1,448			1,704		**	106		139			5,426	(97)
Income tax provision (benefit) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			1,096			(543)			(563)			270			375		**	192		(10)			1,071	**
Income (loss) from continuing operations, net of tax . . . . . . . . . . . . . . . . . .			2,406			(917)			(1,340)			1,178			1,329		**	81		149			4,355	(97)
Income (loss) from discontinued operations, net of tax . . . . . . . . . . . . . . . . .			-			(1)			-			(2)			4		**	**		(1)			15	**
Net income (loss) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			2,406			(918)			(1,340)			1,176			1,333		**	80		148			4,370	(97)
Dividends and undistributed earnings allocated to participating securities(2)			(20)			(1)			(3)			(7)			(10)		**	100		(5)			(34)	(85)
Preferred stock dividends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			(67)			(90)			(55)			(97)			(53)		(26)	26		(212)			(185)	15
Issuance cost for redeemed preferred stock(3) . . . . . . . . . . . . . . . . . . . . . . . .			-			-			(22)			(31)			-		-		-		(22)			-	**
Net income (loss) available to common stockholders . . . . . . . . . . . . . . . . . .	$	2,319	$	(1,009)	$	(1,420)	$	1,041	$	1,270		**	83	$	(91)	$	4,151	**
Common Share Statistics
Basic earnings per common share:(2)
Net income (loss) from continuing operations . . . . . . . . . . . . . . . . . . . . .	$	5.07	$	(2.21)	$	(3.10)	$	2.26	$	2.70		**	88 %	$	(0.20)	$	8.80	**
Income from discontinued operations . . . . . . . . . . . . . . . . . . . . . . . . . . . .			-			-			-			-			0.01		-	**		-			0.03	**
Net income (loss) per basic common share . . . . . . . . . . . . . . . . . . . . . . .	$	5.07	$	(2.21)	$	(3.10)	$	2.26	$	2.71		**	87	$	(0.20)	$	8.83	**
Diluted earnings per common share:(2)
$	5.06
Net income (loss) from continuing operations . . . . . . . . . . . . . . . . . . . . .	$	(2.21)	$	(3.10)	$	2.25	$	2.68		**	89	$	(0.20)	$	8.76	**
Income from discontinued operations . . . . . . . . . . . . . . . . . . . . . . . . . . . .			-			-			-			-			0.01		-	**		-			0.03	**
Net income (loss) per diluted common share . . . . . . . . . . . . . . . . . . . . . .	$	5.06	$	(2.21)	$	(3.10)	$	2.25	$	2.69		**	88	$	(0.20)	$	8.79	**
Weighted-average common shares outstanding (in millions):
		457.8																		457.4
Basic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .					456.7			457.6			460.9			469.5		-	(2)				469.9	(3)%
Diluted . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			458.5			456.7			457.6			463.4			471.8		-	(3)		457.4			472.1	(3)
Common shares outstanding (period-end, in millions) . . . . . . . . . . . . . . . . .			457.4			456.3			455.3			456.6			465.7		-	(2)		457.4			465.7	(2)
Dividends declared and paid per common share . . . . . . . . . . . . . . . . . . . . . .	$	0.10	$	0.40	$	0.40	$	0.40	$	0.40		(75)%	(75)	$	0.90	$	1.20	(25)
Tangible book value per common share (period-end)(4) . . . . . . . . . . . . . . . . .			83.67			78.82			80.68			83.72			80.46		6	4		83.67			80.46	4

												2020 Q3 vs.		Nine Months Ended September 30,
	2020	2020	2020	2019	2019		2020	2019						2020 vs.
(Dollars in millions)		Q3		Q2		Q1		Q4		Q3	Q2		Q3	2020	2019	2019
Balance Sheet (Period-End)
Loans held for investment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$ 248,223	$ 251,512	$ 262,990	$ 265,809	$ 249,355		(1)%		-	$ 248,223	$ 249,355		-
Interest-earningassets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	390,040	389,829	364,472	355,202	344,643		-	13 %	390,040	344,643	13 %
Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	421,883	421,296	396,878	390,365	378,810		-	11	421,883	378,810	11
Interest-bearingdeposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	276,092	275,183	245,142	239,209	234,084		-	18	276,092	234,084	18
Total deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	305,725	304,238	269,689	262,697	257,148		-	19	305,725	257,148	19
Borrowings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	42,795	44,900	55,681	55,697	50,149		(5)	(15)	42,795	50,149	(15)
Common equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	53,093	50,835	51,620	53,157	52,412		4	1	53,093	52,412	1
Total stockholders' equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	58,424	56,045	56,830	58,011	58,235		4		-	58,424	58,235		-
Balance Sheet (Average Balances)
Loans held for investment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$ 249,511	$ 253,358	$ 262,889	$ 258,870	$ 246,147		(2)%	1 %	$ 255,232	$ 243,602	5 %
Interest-earningassets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	391,451	378,145	355,347	349,150	340,949		4	15	375,041	338,936	11
Total assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	422,854	411,075	390,380	383,162	374,905		3	13	408,233	372,148	10
Interest-bearingdeposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	276,339	261,256	241,115	236,250	232,063		6	19	259,631	230,045	13
Total deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	305,516	288,344	264,653	260,040	255,082		6	20	286,242	253,389	13
Borrowings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	44,161	49,827	51,795	51,442	49,413		(11)	(11)	48,577	50,804	(4)
Common equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	51,995	52,413	53,186	52,641	52,566		(1)	(1)	52,529	50,393	4
Total stockholders' equity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	57,223	57,623	58,568	58,148	57,245		(1)		-	57,802	54,861	5

CAPITAL ONE FINANCIAL CORPORATION (COF)

Table 2: Selected Metrics-Consolidated

																2020 Q3 vs.		Nine Months Ended September 30,
			2020			2020			2020		2019			2019		2020	2019								2020 vs.
(Dollars in millions, except as noted)			Q3			Q2			Q1		Q4			Q3	Q2		Q3			2020			2019	2019
Performance Metrics
Net interest income growth (period over period) . . . . . . . . . . . . . . . . . . . . .			2%			(9)%			(1)%		6%			-	**	**			(1)%			1 %	**
Non-interest income growth (period over period) . . . . . . . . . . . . . . . . . . . . .			67			(10)			(10)		11			(11)%		**	**			7			(3)	**
Total net revenue growth (period over period) . . . . . . . . . . . . . . . . . . . . . . .			13			(10)			(2)		7			(2)		**	**			-			-	**
Total net revenue margin(5) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			7.54			6.93			8.16		8.51			8.16		61 bps		(62)bps			7.53			8.33		(80)bps
Net interest margin(6) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			5.68			5.78			6.78		6.95			6.73		(10)	(105)			6.06			6.80	(74)
Return on average assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			2.28			(0.89)			(1.37)		1.23			1.42		317	86			0.05			1.56	(151)
Return on average tangible assets(7) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			2.36			(0.93)			(1.43)		1.28			1.48		329	88			0.05			1.63	(158)
Return on average common equity(8) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			17.84			(7.69)			(10.68)		7.93			9.63		**	8%			(0.23)			10.94	**
Return on average tangible common equity(9) . . . . . . . . . . . . . . . . . . . . . . . .			24.98			(10.74)			(14.85)		11.07			13.45		**	12			(0.32)			15.54	**
Non-interest expense as a percentage of average loans held for investment .			5.69			5.95			5.67		6.43			6.29		(26)		(60)bps			5.77			6.20	(43)
Efficiency ratio(10) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			48.07			57.50			51.44		56.03			55.64		(9)%	(8)%			52.14			53.49	(135)
Operating efficiency ratio(11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			44.24			53.34			44.67		46.47			48.44		(9)	(4)			47.20			46.10	110
Effective income tax rate for continuing operations . . . . . . . . . . . . . . . . . . .			31.3			37.2			29.6		18.6			22.0		(6)	9			(7.2)			19.7	(27)%
Employees (period-end,in thousands) . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			52.5			53.1			52.1		51.9			52.1		(1)	1			52.5			52.1	1
Credit Quality Metrics
Allowance for credit losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$	16,129	$	16,832	$	14,073	$	7,208	$	7,037	(4)%	129%	$	16,129	$	7,037	129%
Allowance coverage ratio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			6.50%			6.69%			5.35%		2.71%			2.82%		(19)bps		368 bps			6.50%			2.82%		368 bps
Net charge-offs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$	1,073	$	1,505	$	1,791	$	1,683	$	1,462	(29)%	(27)%	$	4,369	$	4,569	(4)%
Net charge-offrate(12) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			1.72%			2.38%			2.72%		2.60%			2.38%		(66)bps		(66)bps			2.28%			2.50%		(22)bps
30+ day performing delinquency rate(13) . . . . . . . . . . . . . . . . . . . . . . . . . . . .			1.97			2.09			2.95		3.51			3.28		(12)	(131)			1.97			3.28	(131)
30+ day delinquency rate(13) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			2.22			2.30			3.16		3.74			3.51		(8)	(129)			2.22			3.51	(129)
Capital Ratios(14)
Common equity Tier 1 capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			13.0%			12.4%			12.0%		12.2%			12.5%		60 bps		50 bps			13.0%			12.5%		50 bps
Tier 1 capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			14.8			14.2			13.7		13.7			14.4		60	40			14.8			14.4	40
Total capital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			17.3			16.7			16.1		16.1			16.8		60	50			17.3			16.8	50
Tier 1 leverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			10.6			10.3			11.0		11.7			11.9		30	(130)			10.6			11.9	(130)
Tangible common equity ("TCE")(15) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .			9.4			8.8			9.6		10.2			10.3		60	(90)			9.4			10.3	(90)

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Capital One Financial Corporation published this content on 22 October 2020 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 22 October 2020 20:14:02 UTC

Real-time Estimate Cboe BZX Other stock markets 04:00:51 2024-04-25 pm EDT			5-day change	1st Jan Change
147.8 ^USD	-0.74%		+3.27%	+11.55%

Apr. 24	U.S. bank regulators extend comment period on Capital One-Discover deal	RE
Apr. 17	Discover Financial's profit falls on higher loan loss provisions	RE

U.S. bank regulators extend comment period on Capital One-Discover deal	Apr. 24	RE
Discover Financial's profit falls on higher loan loss provisions	Apr. 17	RE
Office of the New York State Comptroller Submits a Shareholder Proposal to Capital One	Apr. 12	CI
Wells Fargo Adjusts Capital One Financial Price Target to $165 From $160, Maintains Overweight Rating	Apr. 10	MT
ANALYST RECOMMENDATIONS : Agilent Technologies, Eaton Corporation, Citigroup, Royal Bank of Canada, Newmont Corporation....	Apr. 05
Wolfe Research Upgrades Capital One Financial to Outperform From Peer Perform, Price Target is $189	Apr. 04	MT
ANALYST RECOMMENDATIONS : Block, Chubb, Doordash, Coinbase, Lloyds...	Apr. 04
Fed's Favored Inflation Gauge Rose 2.5% in February	Apr. 01	DJ
Evercore ISI Raises Capital One Financial's Price Target to $155 From $142, Maintains In Line Rating	Mar. 28	MT
Alliance Defending Freedom Files Exempt Solicitation Statement with Securities and Exchange Commission	Mar. 28	CI
MOVES-Santander Bank names former Goldman exec as US retail banking head	Mar. 27	RE
US banks to see modest hit from deal to lower swipe fee by Visa, Mastercard	Mar. 27	RE
Walmart Can End Credit Card Relationship With Capital One Early, Court Rules	Mar. 27	MT
Walmart can end Capital One credit card partnership early, US judge rules	Mar. 26	RE
Capital One tells regulators Discover deal will boost competition and stability, sources say	Mar. 21	RE
HSBC Boosts Price Target on Discover Financial Services to $144 From $107 on Proposed Acquisition by Capital One, Keeps Hold Rating	Mar. 21	MT
Capital One Tells Regulators Discover Financial Merger Will Increase Competition	Mar. 21	MT
US Legislators Plan to Increase Tax Scrutiny on Big Mergers	Mar. 21	MT
Some US Lawmakers Reportedly Seek to Eliminate Big Tax-Free Corporate Mergers	Mar. 21	MT
CapOne tells regulators Discover deal will boost competition and stability, sources say	Mar. 21	RE
Exclusive-CapOne tells regulators Discover deal will boost competition and stability, sources say	Mar. 21	RE
Capital One Receives a Shareholder Proposal from United Brotherhood of Carpenters and Joiners of America	Mar. 20	CI
Capital One Receives a Shareholder Proposal from National Center for Public	Mar. 20	CI
Capital One Receives a Shareholder Proposal from Comptroller of the State of New York	Mar. 20	CI
Capital One Financial's Delinquency Rate Falls in February	Mar. 15	MT

	1st Jan change	Capi.
CAPITAL ONE FINANCIAL CORPORATION	+11.55%	56.63B
SBI CARDS AND PAYMENT SERVICES LIMITED	-0.16%	8.55B
PREMIUM GROUP CO., LTD.	+5.65%	487M
GREEN DOT CORPORATION	-9.09%	477M
AEON CREDIT SERVICE (ASIA) COMPANY LIMITED	+4.59%	305M
CPI CARD GROUP INC.	-13.71%	189M
FINANCIERA OH! S.A.	0.00%	176M

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