Appendix A: Disclosure Tables

These tables provide projections that represent hypothetical estimates involving an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

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Table A.2.A. Ally Financial Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	7.9	7.6	6.5	6.3
Common equity tier 1 ratio (%)				7.3
Tier 1 capital ratio (%)	15.4	10.5	9.4	9.1
Total risk-based capital ratio (%)	16.4	11.8	10.9	10.6
Tier 1 leverage ratio (%)	13.2	8.9	7.9	7.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.2.B. Ally Financial Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	7.9	7.9	7.6	8.4
Common equity tier 1 ratio (%)				8.8
Tier 1 capital ratio (%)	15.4	10.8	10.6	10.8
Total risk-based capital ratio (%)	16.4	12.0	11.8	12.2
Tier 1 leverage ratio (%)	13.2	9.1	8.9	9.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.3.A. American Express Company
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.8	12.3	9.6	8.4
Common equity tier 1 ratio (%)			10.6	8.9
Tier 1 capital ratio (%)	12.8	12.3	11.2	10.2
Total risk-based capital ratio (%)	14.7	14.2	12.9	12.0
Tier 1 leverage ratio (%)	10.7	10.2	9.1	8.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.3.B. American Express Company
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.8	12.6	11.0	10.6
Common equity tier 1 ratio (%)			11.8	10.7
Tier 1 capital ratio (%)	12.8	12.6	12.2	11.9
Total risk-based capital ratio (%)	14.7	14.4	13.8	13.8
Tier 1 leverage ratio (%)	10.7	10.4	9.9	9.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.4.A. Bank of America Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.1	8.0	5.8	5.0	8.0	5.8	5.3
Common equity tier 1 ratio (%)			8.0	6.0		8.0	6.3
Tier 1 capital ratio (%)	12.3	9.5	8.0	6.0 *	9.5	8.0	6.3
Total risk-based capital ratio (%)	15.4	12.3	10.7	8.4	12.3	10.7	8.7
Tier 1 leverage ratio (%)	7.8	5.9	5.0	3.9	5.9	5.0	4.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

* Bank of America's minimum tier 1 risk-based capital ratio in 2015 was below 6.0 percent before rounding. Return to table

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.4.B. Bank of America Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.1	9.0	8.4	8.8	9.0	8.4	8.8
Common equity tier 1 ratio (%)			9.5	7.9		9.5	8.0
Tier 1 capital ratio (%)	12.3	10.4	9.8	8.4	10.4	9.8	8.4
Total risk-based capital ratio (%)	15.4	13.2	12.5	11.0	13.2	12.5	11.1
Tier 1 leverage ratio (%)	7.8	6.5	6.0	5.4	6.5	6.0	5.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.5.A. The Bank of New York Mellon Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.1	13.1	12.7	12.9
Common equity tier 1 ratio (%)			14.8	12.3
Tier 1 capital ratio (%)	15.8	14.7	15.9	13.3
Total risk-based capital ratio (%)	16.8	15.5	16.4	13.7
Tier 1 leverage ratio (%)	5.6	5.3	5.8	5.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.5.B. The Bank of New York Mellon Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.1	13.6	13.5	14.0
Common equity tier 1 ratio (%)			14.7	11.8
Tier 1 capital ratio (%)	15.8	15.2	15.7	12.8
Total risk-based capital ratio (%)	16.8	16.0	16.2	13.1
Tier 1 leverage ratio (%)	5.6	5.4	5.7	5.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.6.A. BB&T Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.4	9.2	8.6	8.1
Common equity tier 1 ratio (%)				7.8
Tier 1 capital ratio (%)	11.3	11.1	10.4	9.6
Total risk-based capital ratio (%)	13.9	13.6	12.5	12.0
Tier 1 leverage ratio (%)	9.0	8.8	8.2	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.6.B. BB&T Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.4	9.4	9.1	9.7
Common equity tier 1 ratio (%)				9.4
Tier 1 capital ratio (%)	11.3	11.2	11.0	11.1
Total risk-based capital ratio (%)	13.9	13.7	13.4	13.1
Tier 1 leverage ratio (%)	9.0	8.9	8.7	9.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.7.A. BBVA Compass Bancshares, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.6	11.2	9.4	8.1
Common equity tier 1 ratio (%)				8.2
Tier 1 capital ratio (%)	11.8	11.4	9.6	8.2
Total risk-based capital ratio (%)	14.1	13.6	11.7	10.2
Tier 1 leverage ratio (%)	10.2	9.7	8.1	7.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.7.B. BBVA Compass Bancshares, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.6	11.4	10.9	10.9
Common equity tier 1 ratio (%)				10.6
Tier 1 capital ratio (%)	11.8	11.6	11.1	10.6
Total risk-based capital ratio (%)	14.1	13.8	13.2	12.4
Tier 1 leverage ratio (%)	10.2	9.9	9.4	9.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.8.A. BMO Financial Corp.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.8	10.0	8.5	7.6
Common equity tier 1 ratio (%)				8.9
Tier 1 capital ratio (%)	10.8	10.0	8.5	8.9
Total risk-based capital ratio (%)	15.2	14.2	12.3	12.4
Tier 1 leverage ratio (%)	7.9	7.1	6.0	6.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.8.B. BMO Financial Corp.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.8	10.3	9.9	10.0
Common equity tier 1 ratio (%)				11.1
Tier 1 capital ratio (%)	10.8	10.3	9.9	11.1
Total risk-based capital ratio (%)	15.2	14.5	13.6	14.4
Tier 1 leverage ratio (%)	7.9	7.3	6.9	8.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.9.A. Capital One Financial Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.7	11.4	8.0	5.6
Common equity tier 1 ratio (%)			9.1	6.1
Tier 1 capital ratio (%)	13.1	11.8	9.7	7.4
Total risk-based capital ratio (%)	15.3	14.0	11.7	9.2
Tier 1 leverage ratio (%)	10.1	8.9	7.2	6.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.9.B. Capital One Financial Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.7	11.9	10.7	10.1
Common equity tier 1 ratio (%)			10.6	8.8
Tier 1 capital ratio (%)	13.1	12.3	11.2	9.5
Total risk-based capital ratio (%)	15.3	14.5	13.1	11.4
Tier 1 leverage ratio (%)	10.1	9.3	8.3	7.7

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.10.A. Citigroup Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.7	9.5	7.1	6.5
Common equity tier 1 ratio (%)			10.8	9.1
Tier 1 capital ratio (%)	13.6	10.5	10.8	9.1
Total risk-based capital ratio (%)	16.7	13.5	13.4	11.6
Tier 1 leverage ratio (%)	8.1	6.2	6.6	5.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.10.B. Citigroup Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.7	10.4	9.3	9.3
Common equity tier 1 ratio (%)			12.5	10.8
Tier 1 capital ratio (%)	13.6	11.5	12.5	10.8
Total risk-based capital ratio (%)	16.7	14.5	15.1	13.2
Tier 1 leverage ratio (%)	8.1	6.6	7.2	6.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.11.A. Comerica Incorporated
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.7	10.3	9.0	7.8
Common equity tier 1 ratio (%)				7.6
Tier 1 capital ratio (%)	10.7	10.3	9.0	7.6
Total risk-based capital ratio (%)	13.4	13.0	11.3	10.1
Tier 1 leverage ratio (%)	10.9	10.4	9.0	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.11.B. Comerica Incorporated
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.7	10.4	9.9	9.7
Common equity tier 1 ratio (%)				9.4
Tier 1 capital ratio (%)	10.7	10.4	9.9	9.4
Total risk-based capital ratio (%)	13.4	13.0	12.0	11.3
Tier 1 leverage ratio (%)	10.9	10.5	9.8	9.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.12.A. Discover Financial Services
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.7	13.6	10.7	8.7
Common equity tier 1 ratio (%)				8.4
Tier 1 capital ratio (%)	15.6	14.5	11.5	9.2
Total risk-based capital ratio (%)	17.9	16.8	13.9	11.2
Tier 1 leverage ratio (%)	13.7	12.6	9.7	8.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.12.B. Discover Financial Services
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.7	13.9	12.1	11.0
Common equity tier 1 ratio (%)				10.7
Tier 1 capital ratio (%)	15.6	14.7	12.9	11.5
Total risk-based capital ratio (%)	17.9	17.1	15.2	13.4
Tier 1 leverage ratio (%)	13.7	12.9	10.9	9.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.13.A. Fifth Third Bancorp
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.9	9.1	8.0	7.5
Common equity tier 1 ratio (%)				6.9
Tier 1 capital ratio (%)	11.1	10.1	9.2	8.0
Total risk-based capital ratio (%)	14.3	14.1	12.7	11.1
Tier 1 leverage ratio (%)	10.6	9.5	8.6	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.13.B. Fifth Third Bancorp
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.9	9.3	8.9	8.9
Common equity tier 1 ratio (%)				8.4
Tier 1 capital ratio (%)	11.1	10.3	9.9	9.5
Total risk-based capital ratio (%)	14.3	13.9	13.0	12.1
Tier 1 leverage ratio (%)	10.6	9.6	9.3	9.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.14.A. The Goldman Sachs Group, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.2	8.3	5.7	5.8	8.3	6.1	6.2
Common equity tier 1 ratio (%)			7.5	5.0		7.8	5.6
Tier 1 capital ratio (%)	16.3	10.3	8.2	6.0	10.3	8.6	6.4
Total risk-based capital ratio (%)	19.4	13.4	10.7	8.0	13.4	11.0	8.4
Tier 1 leverage ratio (%)	7.9	5.1	4.4	3.9	5.1	4.5	4.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.14.B. The Goldman Sachs Group, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.2	10.2	8.1	7.2	10.2	8.5	8.0
Common equity tier 1 ratio (%)			9.7	5.8		10.1	6.5
Tier 1 capital ratio (%)	16.3	12.4	11.1	7.1	12.4	11.5	7.8
Total risk-based capital ratio (%)	19.4	15.5	13.8	9.2	15.5	14.2	9.9
Tier 1 leverage ratio (%)	7.9	5.9	5.2	4.4	5.9	5.4	4.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.15.A. HSBC North America Holdings Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.7	12.7	8.5	6.6
Common equity tier 1 ratio (%)			12.6	9.4
Tier 1 capital ratio (%)	17.1	15.6	12.6	9.4
Total risk-based capital ratio (%)	26.5	24.6	22.0	18.2
Tier 1 leverage ratio (%)	7.8	6.9	5.7	4.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.15.B. HSBC North America Holdings Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	14.7	13.4	11.3	11.1
Common equity tier 1 ratio (%)			13.6	11.6
Tier 1 capital ratio (%)	17.1	16.3	14.2	12.2
Total risk-based capital ratio (%)	26.5	25.3	23.5	20.7
Tier 1 leverage ratio (%)	7.8	7.2	6.3	5.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.16.A. Huntington Bancshares Incorporated
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.9	9.8	7.4	6.0
Common equity tier 1 ratio (%)				6.6
Tier 1 capital ratio (%)	12.4	11.2	8.7	7.2
Total risk-based capital ratio (%)	14.7	13.5	10.9	9.5
Tier 1 leverage ratio (%)	10.9	9.7	7.5	6.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.16.B. Huntington Bancshares Incorporated
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.9	10.0	9.0	8.6
Common equity tier 1 ratio (%)				8.3
Tier 1 capital ratio (%)	12.4	11.4	10.4	9.2
Total risk-based capital ratio (%)	14.7	13.8	12.5	11.5
Tier 1 leverage ratio (%)	10.9	9.9	8.9	8.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.17.A. JPMorgan Chase & Co.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.5	8.0	5.8	5.5
Common equity tier 1 ratio (%)			6.9	5.4
Tier 1 capital ratio (%)	11.7	9.2	8.1	6.6
Total risk-based capital ratio (%)	14.3	11.7	10.4	8.7
Tier 1 leverage ratio (%)	6.9	5.5	5.0	4.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.17.B. JPMorgan Chase & Co.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.5	9.3	8.4	8.3
Common equity tier 1 ratio (%)			8.3	7.1
Tier 1 capital ratio (%)	11.7	10.5	9.6	8.4
Total risk-based capital ratio (%)	14.3	13.0	11.9	10.5
Tier 1 leverage ratio (%)	6.9	6.2	5.7	5.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.18.A. KeyCorp
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.2	10.2	8.6	8.0
Common equity tier 1 ratio (%)				8.0
Tier 1 capital ratio (%)	11.9	10.9	9.3	8.3
Total risk-based capital ratio (%)	14.4	13.4	11.6	10.6
Tier 1 leverage ratio (%)	11.3	10.3	8.7	7.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.18.B. KeyCorp
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.2	10.6	9.9	9.8
Common equity tier 1 ratio (%)				9.6
Tier 1 capital ratio (%)	11.9	11.3	10.6	10.0
Total risk-based capital ratio (%)	14.4	13.8	12.8	12.0
Tier 1 leverage ratio (%)	11.3	10.7	9.9	9.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.19.A. M&T Bank Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.1	8.6	7.3	6.7
Common equity tier 1 ratio (%)				7.2
Tier 1 capital ratio (%)	11.9	11.3	9.6	8.7
Total risk-based capital ratio (%)	15.1	14.4	12.3	11.5
Tier 1 leverage ratio (%)	10.7	10.1	7.8	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.19.B. M&T Bank Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.1	8.9	8.7	9.4
Common equity tier 1 ratio (%)				8.9
Tier 1 capital ratio (%)	11.9	11.7	11.5	10.5
Total risk-based capital ratio (%)	15.1	14.8	14.1	13.3
Tier 1 leverage ratio (%)	10.7	10.5	9.2	9.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.20.A. Morgan Stanley
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.6	8.1	5.9	6.3
Common equity tier 1 ratio (%)			8.5	6.8
Tier 1 capital ratio (%)	15.3	10.8	8.8	7.2
Total risk-based capital ratio (%)	16.1	12.0	10.5	9.4
Tier 1 leverage ratio (%)	7.3	5.4	5.0	4.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.20.B. Morgan Stanley
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	12.6	9.8	8.6	8.5
Common equity tier 1 ratio (%)			10.9	8.0
Tier 1 capital ratio (%)	15.3	12.6	11.6	8.7
Total risk-based capital ratio (%)	16.1	13.9	13.8	11.0
Tier 1 leverage ratio (%)	7.3	5.9	5.5	4.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.21.A. Northern Trust Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	13.1	12.6	11.0	10.0
Common equity tier 1 ratio (%)			11.2	9.1
Tier 1 capital ratio (%)	13.6	13.1	11.4	9.2
Total risk-based capital ratio (%)	14.9	16.2	14.6	12.1
Tier 1 leverage ratio (%)	8.3	8.0	6.9	6.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.21.B. Northern Trust Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	13.1	12.8	11.8	11.4
Common equity tier 1 ratio (%)			11.6	10.0
Tier 1 capital ratio (%)	13.6	13.2	11.8	10.1
Total risk-based capital ratio (%)	14.9	15.9	14.7	12.7
Tier 1 leverage ratio (%)	8.3	8.0	7.1	6.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.22.A. The PNC Financial Services Group, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.3	10.1	9.0	8.1
Common equity tier 1 ratio (%)			8.8	6.7
Tier 1 capital ratio (%)	12.2	12.0	10.5	8.2
Total risk-based capital ratio (%)	15.6	15.5	14.0	11.4
Tier 1 leverage ratio (%)	11.1	10.8	9.4	8.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.22.B. The PNC Financial Services Group, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.3	10.3	10.0	9.9
Common equity tier 1 ratio (%)			9.6	8.2
Tier 1 capital ratio (%)	12.2	12.2	11.3	9.8
Total risk-based capital ratio (%)	15.6	15.6	14.7	12.9
Tier 1 leverage ratio (%)	11.1	11.0	10.1	9.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.23.A. RBS Citizens Financial Group, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	13.9	13.2	10.0	9.0
Common equity tier 1 ratio (%)				9.1
Tier 1 capital ratio (%)	14.0	13.2	10.6	10.3
Total risk-based capital ratio (%)	16.3	15.8	14.3	13.9
Tier 1 leverage ratio (%)	12.1	11.3	9.0	9.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.23.B. RBS Citizens Financial Group, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	13.9	13.3	11.5	11.5
Common equity tier 1 ratio (%)				11.0
Tier 1 capital ratio (%)	14.0	13.3	12.0	11.6
Total risk-based capital ratio (%)	16.3	16.0	15.7	15.2
Tier 1 leverage ratio (%)	12.1	11.5	10.2	10.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.24.A. Regions Financial Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.0	10.2	8.7	8.2
Common equity tier 1 ratio (%)				8.5
Tier 1 capital ratio (%)	11.5	10.7	9.7	9.1
Total risk-based capital ratio (%)	14.5	13.8	12.3	11.4
Tier 1 leverage ratio (%)	9.9	9.1	8.2	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.24.B. Regions Financial Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.0	10.8	10.5	10.5
Common equity tier 1 ratio (%)				10.3
Tier 1 capital ratio (%)	11.5	11.3	11.2	11.1
Total risk-based capital ratio (%)	14.5	14.3	14.0	13.5
Tier 1 leverage ratio (%)	9.9	9.6	9.5	9.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.25.A. Santander Holdings USA, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	13.7	12.7	8.6	7.9
Common equity tier 1 ratio (%)				7.3
Tier 1 capital ratio (%)	14.4	13.4	11.4	11.8
Total risk-based capital ratio (%)	16.5	15.5	13.1	14.6
Tier 1 leverage ratio (%)	12.4	11.2	10.1	10.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.25.B. Santander Holdings USA, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	13.7	13.6	10.5	11.0
Common equity tier 1 ratio (%)				9.2
Tier 1 capital ratio (%)	14.4	14.3	13.2	13.6
Total risk-based capital ratio (%)	16.5	16.4	14.9	16.5
Tier 1 leverage ratio (%)	12.4	11.9	11.7	12.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.26.A. State Street Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	15.5	13.3	12.3	11.4
Common equity tier 1 ratio (%)			13.9	9.4
Tier 1 capital ratio (%)	17.3	15.0	16.1	11.5
Total risk-based capital ratio (%)	19.8	17.3	18.9	13.5
Tier 1 leverage ratio (%)	7.2	6.3	6.7	6.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.26.B. State Street Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	15.5	13.9	13.4	13.6
Common equity tier 1 ratio (%)			14.0	9.7
Tier 1 capital ratio (%)	17.3	15.7	15.6	11.2
Total risk-based capital ratio (%)	19.8	17.9	18.3	13.2
Tier 1 leverage ratio (%)	7.2	6.5	6.6	6.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.27.A. SunTrust Banks, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.9	9.6	8.4	8.0
Common equity tier 1 ratio (%)				7.5
Tier 1 capital ratio (%)	11.0	10.6	9.5	8.3
Total risk-based capital ratio (%)	13.0	12.6	11.3	10.2
Tier 1 leverage ratio (%)	9.5	9.1	8.1	7.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.27.B. SunTrust Banks, Inc.
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.9	9.8	9.6	9.8
Common equity tier 1 ratio (%)				9.5
Tier 1 capital ratio (%)	11.0	10.8	10.6	10.1
Total risk-based capital ratio (%)	13.0	12.9	12.5	12.1
Tier 1 leverage ratio (%)	9.5	9.3	9.1	8.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.28.A. U.S. Bancorp
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.3	8.9	7.4	6.6
Common equity tier 1 ratio (%)			7.6	6.0
Tier 1 capital ratio (%)	11.2	10.8	9.3	7.8
Total risk-based capital ratio (%)	13.3	12.8	11.6	10.0
Tier 1 leverage ratio (%)	9.6	9.1	7.8	6.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.28.B. U.S. Bancorp
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	9.3	9.1	8.6	8.8
Common equity tier 1 ratio (%)			8.6	7.8
Tier 1 capital ratio (%)	11.2	11.0	10.3	9.4
Total risk-based capital ratio (%)	13.3	13.0	12.3	11.6
Tier 1 leverage ratio (%)	9.6	9.3	8.6	8.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.29.A. UnionBanCal Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.1	11.7	10.2	9.7
Common equity tier 1 ratio (%)				9.7
Tier 1 capital ratio (%)	11.2	11.8	10.2	9.7
Total risk-based capital ratio (%)	13.1	14.2	12.8	11.9
Tier 1 leverage ratio (%)	10.2	10.8	9.3	9.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.29.B. UnionBanCal Corporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	11.1	12.0	11.5	12.3
Common equity tier 1 ratio (%)				12.0
Tier 1 capital ratio (%)	11.2	12.1	11.5	12.0
Total risk-based capital ratio (%)	13.1	14.4	14.0	13.8
Tier 1 leverage ratio (%)	10.2	11.0	10.5	11.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.30.A. Wells Fargo & Company
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.6	9.8	7.7	6.1
Common equity tier 1 ratio (%)			7.7	5.2
Tier 1 capital ratio (%)	12.1	11.3	9.2	6.9
Total risk-based capital ratio (%)	15.1	14.4	13.0	10.9
Tier 1 leverage ratio (%)	9.8	9.0	7.3	5.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.30.B. Wells Fargo & Company
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.6	10.1	9.3	8.7
Common equity tier 1 ratio (%)			9.0	7.4
Tier 1 capital ratio (%)	12.1	11.6	10.4	9.0
Total risk-based capital ratio (%)	15.1	14.7	14.4	13.1
Tier 1 leverage ratio (%)	9.8	9.2	8.2	7.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	4 percent	4.5 percent
Tier 1 risk-based capital ratio	4 percent	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.31.A. Zions Bancorporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the severely adverse scenario

Projected capital ratios through Q4 2015 in the severely adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.5	9.2	6.9	4.4
Common equity tier 1 ratio (%)				5.5
Tier 1 capital ratio (%)	13.1	11.8	9.5	6.3
Total risk-based capital ratio (%)	14.8	13.8	11.3	8.1
Tier 1 leverage ratio (%)	10.6	9.5	7.5	5.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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Table A.31.B. Zions Bancorporation
Actual Q3 2013 and projected minimum regulatory capital ratios and tier 1 common ratios, Q4 2013-Q4 2015
Federal Reserve estimates in the adverse scenario

Projected capital ratios through Q4 2015 in the adverse scenario

	Actual Q3 2013	Minimum stressed ratios with original planned capital actions			Minimum stressed ratios with adjusted planned capital actions
		Q4 2013	2014	2015	Q4 2013	2014	2015
Tier 1 common ratio (%)	10.5	9.5	8.9	8.1
Common equity tier 1 ratio (%)				8.3
Tier 1 capital ratio (%)	13.1	12.1	11.4	9.7
Total risk-based capital ratio (%)	14.8	14.0	13.3	11.6
Tier 1 leverage ratio (%)	10.6	9.7	9.0	7.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2014 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period Q4 2013 to Q4 2015 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2014

Regulatory ratio	Q4 2013	2014	2015
Tier 1 common ratio	5 percent	5 percent	5 percent
Common equity tier 1 ratio	N/A	N/A	4.5 percent
Tier 1 risk-based capital ratio	4 percent	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	3 or 4 percent	4 percent

Note: For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
         The tier 1 common ratio is to be calculated using the definitions of tier 1 capital and total risk-weighted assets as currently in effect in 2013. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013.

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