CAPITAL ONE FINANCIAL CORP
For the period ended Dec 31, 2024. Filed Feb 20, 2025.
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FY2024 · Filed Feb 20, 2025
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Loan Maturity Schedule
Portfolio of Loans Held for Investment
Our loan portfolio consists of loans held for investment, including loans held in our consolidated trusts, and loans held for sale. The information presented in this section excludes loans held for sale, which totaled $202 million and $854 million as of December 31, 2024 and 2023, respectively.
Table 15 presents the maturities of our loans held for investment portfolio as of December 31, 2024. Determinations of maturities are based on scheduled repayments. Due to the revolving nature of credit card loans, we report the majority of our credit card loans as due in one year or less.
Table 15: Loan Maturity Schedule
| (Dollars in millions) | Due Up to1 Year | > 1 Yearto 5 Years | > 5 Years to 15 Years | > 15 Years | Total |
|---|---|---|---|---|---|
| Fixed rate: | |||||
| Credit card | $16,791 | $396 | — | — | $17,187 |
| Consumer banking | 18,129 | 54,204 | $5,396 | $53 | 77,782 |
| Commercial banking | 1,116 | 4,135 | 5,805 | 993 | 12,049 |
| Total fixed-rate loans | 36,036 | 58,735 | 11,201 | 1,046 | 107,018 |
| Variable rate: | |||||
| Credit card | 145,321 | — | — | — | 145,321 |
| Consumer banking | 290 | 11 | 9 | — | 310 |
| Commercial banking | 12,459 | 53,792 | 8,788 | 87 | 75,126 |
| Total variable-rate loans | 158,070 | 53,803 | 8,797 | 87 | 220,757 |
| Total loans | $194,106 | $112,538 | $19,998 | $1,133 | $327,775 |
| 95 | Capital One Financial Corporation (COF) |
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