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 April 2017 by the firms in their annual capital plans and, where applicable, reflect any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections. The minimum capital ratios are for the period from the first quarter of 2017 to the first quarter of 2019 and do not necessarily occur in the same quarter.
Table 1.A. Ally Financial Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.4 | 5.2 | |
| Tier 1 capital ratio | 10.9 | 6.9 | |
| Total capital ratio | 12.6 | 8.8 | |
| Tier 1 leverage ratio | 9.5 | 5.9 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 1.B. Ally Financial Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.4 | 7.4 | |
| Tier 1 capital ratio | 10.9 | 8.9 | |
| Total capital ratio | 12.6 | 10.9 | |
| Tier 1 leverage ratio | 9.5 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 2.A. American Express Company Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.3 | 5.0 | 5.3 |
| Tier 1 capital ratio | 13.5 | 6.1 | 6.4 |
| Total capital ratio | 15.2 | 7.8 | 8.1 |
| Tier 1 leverage ratio | 11.6 | 5.3 | 5.5 |
| Supplementary leverage ratio | n/a | 4.5 | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 2.B. American Express Company Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.3 | 7.5 | 7.8 |
| Tier 1 capital ratio | 13.5 | 8.6 | 8.9 |
| Total capital ratio | 15.2 | 10.3 | 10.6 |
| Tier 1 leverage ratio | 11.6 | 7.3 | 7.6 |
| Supplementary leverage ratio | n/a | 6.3 | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 3.A. BancWest Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.1 | 6.1 | |
| Tier 1 capital ratio | 13.4 | 6.6 | |
| Total capital ratio | 15.3 | 8.7 | |
| Tier 1 leverage ratio | 11.1 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 3.B. BancWest Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.1 | 8.9 | |
| Tier 1 capital ratio | 13.4 | 9.4 | |
| Total capital ratio | 15.3 | 11.5 | |
| Tier 1 leverage ratio | 11.1 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 4.A. Bank of America Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 6.8 | |
| Tier 1 capital ratio | 13.6 | 8.4 | |
| Total capital ratio | 16.3 | 11.0 | |
| Tier 1 leverage ratio | 8.9 | 5.4 | |
| Supplementary leverage ratio | n/a | 4.3 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 4.B. Bank of America Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 9.0 | |
| Tier 1 capital ratio | 13.6 | 10.6 | |
| Total capital ratio | 16.3 | 12.7 | |
| Tier 1 leverage ratio | 8.9 | 6.9 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 5.A. The Bank of New York Mellon Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.3 | 9.1 | |
| Tier 1 capital ratio | 14.5 | 11.6 | |
| Total capital ratio | 15.2 | 12.6 | |
| Tier 1 leverage ratio | 6.6 | 5.2 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 5.B. The Bank of New York Mellon Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.3 | 9.5 | |
| Tier 1 capital ratio | 14.5 | 12.0 | |
| Total capital ratio | 15.2 | 12.9 | |
| Tier 1 leverage ratio | 6.6 | 5.3 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 6.A. BB&T Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.2 | 6.3 | |
| Tier 1 capital ratio | 12.0 | 7.9 | |
| Total capital ratio | 14.1 | 11.0 | |
| Tier 1 leverage ratio | 10.0 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 6.B. BB&T Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.2 | 7.9 | |
| Tier 1 capital ratio | 12.0 | 9.5 | |
| Total capital ratio | 14.1 | 12.1 | |
| Tier 1 leverage ratio | 10.0 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 7.A. BBVA Compass Bancshares, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.5 | 7.4 | |
| Tier 1 capital ratio | 11.9 | 7.7 | |
| Total capital ratio | 14.3 | 10.1 | |
| Tier 1 leverage ratio | 9.5 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 7.B. BBVA Compass Bancshares, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.5 | 9.9 | |
| Tier 1 capital ratio | 11.9 | 10.2 | |
| Total capital ratio | 14.3 | 12.3 | |
| Tier 1 leverage ratio | 9.5 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 8.A. BMO Financial Corp. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.5 | 8.0 | |
| Tier 1 capital ratio | 12.8 | 8.7 | |
| Total capital ratio | 15.7 | 11.7 | |
| Tier 1 leverage ratio | 9.5 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 8.B. BMO Financial Corp. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.5 | 10.4 | |
| Tier 1 capital ratio | 12.8 | 11.0 | |
| Total capital ratio | 15.7 | 13.6 | |
| Tier 1 leverage ratio | 9.5 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 9.A. Capital One Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.1 | 5.6 | 5.9 |
| Tier 1 capital ratio | 11.6 | 7.1 | 7.4 |
| Total capital ratio | 14.3 | 9.9 | 10.1 |
| Tier 1 leverage ratio | 9.9 | 6.2 | 6.4 |
| Supplementary leverage ratio | n/a | 5.4 | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 9.B. Capital One Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.1 | 7.8 | 8.1 |
| Tier 1 capital ratio | 11.6 | 9.2 | 9.5 |
| Total capital ratio | 14.3 | 11.6 | 11.9 |
| Tier 1 leverage ratio | 9.9 | 7.9 | 8.1 |
| Supplementary leverage ratio | n/a | 6.8 | 7.0 |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 10.A. CIT Group Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.0 | 5.4 | |
| Tier 1 capital ratio | 14.0 | 6.8 | |
| Total capital ratio | 14.8 | 8.1 | |
| Tier 1 leverage ratio | 13.9 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 10.B. CIT Group Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.0 | 8.1 | |
| Tier 1 capital ratio | 14.0 | 9.5 | |
| Total capital ratio | 14.8 | 10.8 | |
| Tier 1 leverage ratio | 13.9 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 11.A. Citigroup Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.9 | 8.0 | |
| Tier 1 capital ratio | 15.8 | 9.5 | |
| Total capital ratio | 19.1 | 12.8 | |
| Tier 1 leverage ratio | 10.1 | 6.1 | |
| Supplementary leverage ratio | n/a | 4.5 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 11.B. Citigroup Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.9 | 10.1 | |
| Tier 1 capital ratio | 15.8 | 11.5 | |
| Total capital ratio | 19.1 | 14.4 | |
| Tier 1 leverage ratio | 10.1 | 7.3 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 12.A. Citizens Financial Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.2 | 6.5 | |
| Tier 1 capital ratio | 11.4 | 6.9 | |
| Total capital ratio | 14.0 | 9.5 | |
| Tier 1 leverage ratio | 9.9 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 12.B. Citizens Financial Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.2 | 8.6 | |
| Tier 1 capital ratio | 11.4 | 9.0 | |
| Total capital ratio | 14.0 | 11.4 | |
| Tier 1 leverage ratio | 9.9 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 13.A. Comerica Incorporated Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.1 | 7.5 | |
| Tier 1 capital ratio | 11.1 | 7.5 | |
| Total capital ratio | 13.3 | 9.5 | |
| Tier 1 leverage ratio | 10.2 | 6.7 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 13.B. Comerica Incorporated Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.1 | 8.8 | |
| Tier 1 capital ratio | 11.1 | 8.8 | |
| Total capital ratio | 13.3 | 10.5 | |
| Tier 1 leverage ratio | 10.2 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 14.A. Deutsche Bank Trust Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 64.4 | 58.0 | |
| Tier 1 capital ratio | 64.4 | 58.0 | |
| Total capital ratio | 64.7 | 59.0 | |
| Tier 1 leverage ratio | 14.6 | 13.0 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 14.B. Deutsche Bank Trust Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 64.4 | 58.5 | |
| Tier 1 capital ratio | 64.4 | 58.5 | |
| Total capital ratio | 64.7 | 59.2 | |
| Tier 1 leverage ratio | 14.6 | 12.9 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 15.A. Discover Financial Services Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.2 | 6.9 | |
| Tier 1 capital ratio | 13.9 | 7.5 | |
| Total capital ratio | 15.5 | 9.3 | |
| Tier 1 leverage ratio | 12.3 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 15.B. Discover Financial Services Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.2 | 9.1 | |
| Tier 1 capital ratio | 13.9 | 9.7 | |
| Total capital ratio | 15.5 | 11.2 | |
| Tier 1 leverage ratio | 12.3 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 16.A. Fifth Third Bancorp Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.4 | 6.3 | |
| Tier 1 capital ratio | 11.5 | 7.2 | |
| Total capital ratio | 15.0 | 10.3 | |
| Tier 1 leverage ratio | 9.9 | 6.2 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 16.B. Fifth Third Bancorp Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.4 | 8.2 | |
| Tier 1 capital ratio | 11.5 | 9.1 | |
| Total capital ratio | 15.0 | 11.7 | |
| Tier 1 leverage ratio | 9.9 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 17.A. The Goldman Sachs Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.5 | 6.0 | |
| Tier 1 capital ratio | 16.6 | 8.2 | |
| Total capital ratio | 19.8 | 10.9 | |
| Tier 1 leverage ratio | 9.4 | 4.5 | |
| Supplementary leverage ratio | n/a | 3.1 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 17.B. The Goldman Sachs Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.5 | 8.3 | |
| Tier 1 capital ratio | 16.6 | 10.4 | |
| Total capital ratio | 19.8 | 12.9 | |
| Tier 1 leverage ratio | 9.4 | 5.7 | |
| Supplementary leverage ratio | n/a | 3.9 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 18.A. HSBC North America Holdings Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 17.9 | 8.9 | |
| Tier 1 capital ratio | 20.1 | 11.6 | |
| Total capital ratio | 25.3 | 15.2 | |
| Tier 1 leverage ratio | 9.6 | 5.2 | |
| Supplementary leverage ratio | n/a | 4.0 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 18.B. HSBC North America Holdings Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 17.9 | 9.5 | |
| Tier 1 capital ratio | 20.1 | 12.1 | |
| Total capital ratio | 25.3 | 15.2 | |
| Tier 1 leverage ratio | 9.6 | 5.5 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 19.A. Huntington Bancshares Incorporated Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.6 | 6.0 | |
| Tier 1 capital ratio | 10.9 | 7.3 | |
| Total capital ratio | 13.1 | 9.7 | |
| Tier 1 leverage ratio | 8.7 | 5.8 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 19.B. Huntington Bancshares Incorporated Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.6 | 7.6 | |
| Tier 1 capital ratio | 10.9 | 8.9 | |
| Total capital ratio | 13.1 | 11.0 | |
| Tier 1 leverage ratio | 8.7 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 20.A. JPMorgan Chase & Co. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.5 | 6.9 | |
| Tier 1 capital ratio | 14.2 | 8.4 | |
| Total capital ratio | 16.4 | 10.8 | |
| Tier 1 leverage ratio | 8.4 | 5.0 | |
| Supplementary leverage ratio | n/a | 3.9 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 20.B. JPMorgan Chase & Co. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.5 | 8.7 | |
| Tier 1 capital ratio | 14.2 | 10.2 | |
| Total capital ratio | 16.4 | 12.2 | |
| Tier 1 leverage ratio | 8.4 | 5.9 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 21.A. KeyCorp Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.5 | 5.5 | |
| Tier 1 capital ratio | 10.9 | 6.5 | |
| Total capital ratio | 12.9 | 8.7 | |
| Tier 1 leverage ratio | 9.9 | 5.9 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 21.B. KeyCorp Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.5 | 7.3 | |
| Tier 1 capital ratio | 10.9 | 8.4 | |
| Total capital ratio | 12.9 | 10.2 | |
| Tier 1 leverage ratio | 9.9 | 7.5 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 22.A. M&T Bank Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.7 | 6.2 | |
| Tier 1 capital ratio | 11.9 | 7.3 | |
| Total capital ratio | 14.1 | 9.8 | |
| Tier 1 leverage ratio | 10.0 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 22.B. M&T Bank Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.7 | 8.0 | |
| Tier 1 capital ratio | 11.9 | 9.1 | |
| Total capital ratio | 14.1 | 11.2 | |
| Tier 1 leverage ratio | 10.0 | 7.4 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 23.A. Morgan Stanley Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 17.8 | 7.9 | |
| Tier 1 capital ratio | 20.0 | 10.3 | |
| Total capital ratio | 23.2 | 13.4 | |
| Tier 1 leverage ratio | 8.4 | 4.2 | |
| Supplementary leverage ratio | n/a | 3.2 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 23.B. Morgan Stanley Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 17.8 | 11.3 | |
| Tier 1 capital ratio | 20.0 | 13.6 | |
| Total capital ratio | 23.2 | 16.2 | |
| Tier 1 leverage ratio | 8.4 | 5.5 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 24.A. MUFG Americas Holdings Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.8 | 11.5 | |
| Tier 1 capital ratio | 14.8 | 11.5 | |
| Total capital ratio | 16.4 | 12.6 | |
| Tier 1 leverage ratio | 9.9 | 7.6 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 24.B. MUFG Americas Holdings Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.8 | 13.4 | |
| Tier 1 capital ratio | 14.8 | 13.4 | |
| Total capital ratio | 16.4 | 14.1 | |
| Tier 1 leverage ratio | 9.9 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 25.A. Northern Trust Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.8 | 9.1 | |
| Tier 1 capital ratio | 12.9 | 10.2 | |
| Total capital ratio | 14.5 | 12.3 | |
| Tier 1 leverage ratio | 8.0 | 6.2 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 25.B. Northern Trust Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.8 | 9.9 | |
| Tier 1 capital ratio | 12.9 | 11.0 | |
| Total capital ratio | 14.5 | 12.8 | |
| Tier 1 leverage ratio | 8.0 | 6.6 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 26.A. The PNC Financial Services Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.6 | 6.3 | |
| Tier 1 capital ratio | 12.0 | 7.6 | |
| Total capital ratio | 14.3 | 9.6 | |
| Tier 1 leverage ratio | 10.1 | 6.4 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 26.B. The PNC Financial Services Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.6 | 7.5 | |
| Tier 1 capital ratio | 12.0 | 8.8 | |
| Total capital ratio | 14.3 | 10.4 | |
| Tier 1 leverage ratio | 10.1 | 7.4 | |
| Supplementary leverage ratio | n/a | 6.2 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 27.A. Regions Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.2 | 6.0 | |
| Tier 1 capital ratio | 12.0 | 7.4 | |
| Total capital ratio | 14.2 | 9.5 | |
| Tier 1 leverage ratio | 10.2 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 27.B. Regions Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.2 | 7.9 | |
| Tier 1 capital ratio | 12.0 | 9.4 | |
| Total capital ratio | 14.2 | 11.2 | |
| Tier 1 leverage ratio | 10.2 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 28.A. Santander Holdings USA, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.5 | 12.8 | |
| Tier 1 capital ratio | 16.1 | 13.7 | |
| Total capital ratio | 18.0 | 15.2 | |
| Tier 1 leverage ratio | 12.5 | 10.6 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 28.B. Santander Holdings USA, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 14.5 | 14.3 | |
| Tier 1 capital ratio | 16.1 | 15.9 | |
| Total capital ratio | 18.0 | 17.7 | |
| Tier 1 leverage ratio | 12.5 | 12.2 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 29.A. State Street Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.6 | 6.0 | |
| Tier 1 capital ratio | 14.7 | 9.1 | |
| Total capital ratio | 16.0 | 10.2 | |
| Tier 1 leverage ratio | 6.5 | 4.0 | |
| Supplementary leverage ratio | n/a | 3.6 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 29.B. State Street Corporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.6 | 7.3 | |
| Tier 1 capital ratio | 14.7 | 10.4 | |
| Total capital ratio | 16.0 | 11.3 | |
| Tier 1 leverage ratio | 6.5 | 4.5 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 30.A. SunTrust Banks, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.6 | 5.4 | |
| Tier 1 capital ratio | 10.3 | 6.8 | |
| Total capital ratio | 12.3 | 9.2 | |
| Tier 1 leverage ratio | 9.2 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 30.B. SunTrust Banks, Inc. Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.6 | 7.0 | |
| Tier 1 capital ratio | 10.3 | 8.4 | |
| Total capital ratio | 12.3 | 10.4 | |
| Tier 1 leverage ratio | 9.2 | 7.4 | |
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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 31.A. TD Group US Holdings LLC Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.6 | 11.3 | |
| Tier 1 capital ratio | 13.7 | 11.3 | |
| Total capital ratio | 14.8 | 12.6 | |
| Tier 1 leverage ratio | 7.8 | 6.4 | |
| Supplementary leverage ratio | n/a | 5.8 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 31.B. TD Group US Holdings LLC Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.6 | 13.2 | |
| Tier 1 capital ratio | 13.7 | 13.2 | |
| Total capital ratio | 14.8 | 14.2 | |
| Tier 1 leverage ratio | 7.8 | 7.4 | |
| Supplementary leverage ratio | n/a | 6.8 | |
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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 32.A. U.S. Bancorp Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.4 | 6.3 | |
| Tier 1 capital ratio | 11.0 | 7.9 | |
| Total capital ratio | 13.2 | 10.2 | |
| Tier 1 leverage ratio | 9.0 | 6.5 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 32.B. U.S. Bancorp Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.4 | 7.7 | |
| Tier 1 capital ratio | 11.0 | 9.3 | |
| Total capital ratio | 13.2 | 11.3 | |
| Tier 1 leverage ratio | 9.0 | 7.6 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 33.A. Wells Fargo & Company Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.1 | 7.4 | |
| Tier 1 capital ratio | 12.8 | 9.0 | |
| Total capital ratio | 16.1 | 12.1 | |
| Tier 1 leverage ratio | 8.9 | 6.3 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 33.B. Wells Fargo & Company Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.1 | 9.1 | |
| Tier 1 capital ratio | 12.8 | 10.7 | |
| Total capital ratio | 16.1 | 13.4 | |
| Tier 1 leverage ratio | 8.9 | 7.3 | |
| Supplementary leverage ratio | n/a | 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 April 2017 by the bank holding companies (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, other than for the supplementary leverage ratio, are for the period 2017:Q1 to 2019:Q1. The minimum supplementary leverage ratio is for the period 2018:Q1 to 2019:Q1. The minimum capital ratios do not necessarily occur in the same quarter.
n/a Not applicable.
Required minimum capital ratios for firms subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
| Supplementary leverage ratio | n/a | 3.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
n/a Not applicable.
Table 34.A. Zions Bancorporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 6.6 | |
| Tier 1 capital ratio | 13.5 | 7.7 | |
| Total capital ratio | 15.2 | 9.8 | |
| Tier 1 leverage ratio | 11.1 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.
Table 34.B. Zions Bancorporation Actual and minimum projected regulatory capital ratios, actual 2016:Q4 and projected2017:Q1-2019:Q1 Federal Reserve estimates: Adverse scenario
Actual 2016:Q4 and projected capital ratios through 2019:Q1
Percent
| Regulatory ratio | Actual 2016:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 9.2 | |
| Tier 1 capital ratio | 13.5 | 10.2 | |
| Total capital ratio | 15.2 | 12.0 | |
| Tier 1 leverage ratio | 11.1 | 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 April 2017 by the bank holding companies (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 2017:Q1 to 2019:Q1 and do not necessarily occur in the same quarter.
Required minimum capital ratios for firms not subject to the advanced approaches capital framework in CCAR 2017
Percent
| Regulatory ratio | Minimum ratio | |
|---|---|---|
| 2017 | 2018-19 | |
| Common equity tier 1 capital ratio | 4.5 | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 | 6.0 |
| Total risk-based capital ratio | 8.0 | 8.0 |
| Tier 1 leverage ratio | 4.0 | 4.0 |
Note: All ratios are calculated in accordance with the transition arrangements provided in the Board's revised capital framework, issued in July 2013. Per recent technical amendments to the stress test and capital plan rules, the use of the advanced approaches risk-weighted asset calculations is indefinitely delayed.