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 2018 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 2018 to the first quarter of 2020 and do not necessarily occur in the same quarter.
Table 1.A. Ally Financial Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.5 | 5.4 | |
| Tier 1 capital ratio | 11.2 | 7.1 | |
| Total capital ratio | 12.9 | 9.1 | |
| Tier 1 leverage ratio | 9.5 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.5 | 6.4 | |
| Tier 1 capital ratio | 11.2 | 8.0 | |
| Total capital ratio | 12.9 | 10.0 | |
| Tier 1 leverage ratio | 9.5 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.0 | 4.4 | 5.0 |
| Tier 1 capital ratio | 10.1 | 5.7 | 6.3 |
| Total capital ratio | 11.8 | 7.6 | 8.2 |
| Tier 1 leverage ratio | 8.6 | 4.8 | 5.3 |
| Supplementary leverage ratio | n/a | 4.1 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 2.B. American Express Company Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.0 | 6.6 | 7.2 |
| Tier 1 capital ratio | 10.1 | 7.9 | 8.4 |
| Total capital ratio | 11.8 | 9.7 | 10.2 |
| Tier 1 leverage ratio | 8.6 | 6.6 | 7.1 |
| Supplementary leverage ratio | n/a | 5.7 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 3.A. Bank of America Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.9 | 5.4 | |
| Tier 1 capital ratio | 13.4 | 7.1 | |
| Total capital ratio | 15.9 | 9.5 | |
| Tier 1 leverage ratio | 8.6 | 4.5 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 3.B. Bank of America Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.9 | 8.1 | |
| Tier 1 capital ratio | 13.4 | 9.8 | |
| Total capital ratio | 15.9 | 11.9 | |
| Tier 1 leverage ratio | 8.6 | 6.2 | |
| Supplementary leverage ratio | n/a | 5.0 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 4.A. The Bank of New York Mellon Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.9 | 8.3 | |
| Tier 1 capital ratio | 14.2 | 10.5 | |
| Total capital ratio | 15.1 | 11.7 | |
| Tier 1 leverage ratio | 6.6 | 4.9 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 4.B. The Bank of New York Mellon Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.9 | 10.9 | |
| Tier 1 capital ratio | 14.2 | 13.0 | |
| Total capital ratio | 15.1 | 14.3 | |
| Tier 1 leverage ratio | 6.6 | 5.9 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 5.A. Barclays US LLC Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.1 | 9.6 | |
| Tier 1 capital ratio | 15.7 | 12.1 | |
| Total capital ratio | 18.8 | 14.8 | |
| Tier 1 leverage ratio | 8.2 | 6.5 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 5.B. Barclays US LLC Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.1 | 11.2 | |
| Tier 1 capital ratio | 15.7 | 13.7 | |
| Total capital ratio | 18.8 | 16.0 | |
| Tier 1 leverage ratio | 8.2 | 7.3 | |
| Supplementary leverage ratio | n/a | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 6.A. BB&T Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.2 | 6.0 | |
| Tier 1 capital ratio | 11.9 | 7.6 | |
| Total capital ratio | 13.9 | 10.0 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.2 | 7.4 | |
| Tier 1 capital ratio | 11.9 | 9.0 | |
| Total capital ratio | 13.9 | 11.0 | |
| Tier 1 leverage ratio | 9.9 | 7.3 | |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.8 | 7.2 | |
| Tier 1 capital ratio | 12.1 | 7.5 | |
| Total capital ratio | 14.4 | 9.9 | |
| Tier 1 leverage ratio | 10.0 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.8 | 9.7 | |
| Tier 1 capital ratio | 12.1 | 10.0 | |
| Total capital ratio | 14.4 | 12.2 | |
| Tier 1 leverage ratio | 10.0 | 7.9 | |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 8.3 | |
| Tier 1 capital ratio | 12.6 | 8.9 | |
| Total capital ratio | 15.3 | 12.0 | |
| Tier 1 leverage ratio | 9.8 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 9.9 | |
| Tier 1 capital ratio | 12.6 | 10.6 | |
| Total capital ratio | 15.3 | 13.4 | |
| Tier 1 leverage ratio | 9.8 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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. BNP Paribas USA, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.4 | 7.9 | |
| Tier 1 capital ratio | 12.8 | 8.4 | |
| Total capital ratio | 15.0 | 10.9 | |
| Tier 1 leverage ratio | 9.3 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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.B. BNP Paribas USA, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.4 | 10.0 | |
| Tier 1 capital ratio | 12.8 | 10.5 | |
| Total capital ratio | 15.0 | 12.9 | |
| Tier 1 leverage ratio | 9.3 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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.A. Capital One Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.3 | 4.6 | |
| Tier 1 capital ratio | 11.8 | 6.1 | |
| Total capital ratio | 14.4 | 8.5 | |
| Tier 1 leverage ratio | 9.9 | 5.1 | |
| Supplementary leverage ratio | n/a | 4.4 | |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 10.B. Capital One Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.3 | 8.2 | |
| Tier 1 capital ratio | 11.8 | 9.6 | |
| Total capital ratio | 14.4 | 12.0 | |
| Tier 1 leverage ratio | 9.9 | 8.1 | |
| Supplementary leverage ratio | n/a | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 11.A. Citigroup Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.0 | 5.6 | |
| Tier 1 capital ratio | 14.5 | 7.2 | |
| Total capital ratio | 17.8 | 10.4 | |
| Tier 1 leverage ratio | 8.8 | 4.4 | |
| Supplementary leverage ratio | n/a | 3.4 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 11.B. Citigroup Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 13.0 | 9.3 | |
| Tier 1 capital ratio | 14.5 | 10.8 | |
| Total capital ratio | 17.8 | 13.7 | |
| Tier 1 leverage ratio | 8.8 | 6.5 | |
| Supplementary leverage ratio | n/a | 5.0 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 12.A. Citizens Financial Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.2 | 5.4 | |
| Tier 1 capital ratio | 11.4 | 6.7 | |
| Total capital ratio | 13.9 | 9.0 | |
| Tier 1 leverage ratio | 10.0 | 5.7 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.2 | 7.1 | |
| Tier 1 capital ratio | 11.4 | 8.3 | |
| Total capital ratio | 13.9 | 10.6 | |
| Tier 1 leverage ratio | 10.0 | 7.1 | |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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. Credit Suisse Holdings (USA), Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 24.7 | 17.2 | |
| Tier 1 capital ratio | 24.7 | 17.8 | |
| Total capital ratio | 24.8 | 17.8 | |
| Tier 1 leverage ratio | 7.3 | 6.7 | |
| Supplementary leverage ratio | n/a | 6.6 | |
Note: The minimum and ending leverage ratios and supplementary leverage ratios for Credit Suisse Holdings (USA), Inc. reflect an adjustment to average consolidated assets and total leverage exposure, respectively, to account for asset migrations completed at the end of 2017:Q4.
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 13.B. Credit Suisse Holdings (USA), Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 24.7 | 19.6 | |
| Tier 1 capital ratio | 24.7 | 20.2 | |
| Total capital ratio | 24.8 | 20.2 | |
| Tier 1 leverage ratio | 7.3 | 7.9 | |
| Supplementary leverage ratio | n/a | 7.7 | |
Note: The minimum and ending leverage ratios and supplementary leverage ratios for Credit Suisse Holdings (USA), Inc. reflect an adjustment to average consolidated assets and total leverage exposure, respectively, to account for asset migrations completed at the end of 2017:Q4.
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 14.A. DB USA Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.5 | 12.2 | |
| Tier 1 capital ratio | 25.9 | 21.7 | |
| Total capital ratio | 25.9 | 22.0 | |
| Tier 1 leverage ratio | 7.2 | 5.7 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 14.B. DB USA Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.5 | 13.3 | |
| Tier 1 capital ratio | 25.9 | 22.2 | |
| Total capital ratio | 25.9 | 22.4 | |
| Tier 1 leverage ratio | 7.2 | 6.0 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 15.A. Discover Financial Services Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.6 | 5.8 | |
| Tier 1 capital ratio | 12.3 | 6.8 | |
| Total capital ratio | 13.8 | 8.6 | |
| Tier 1 leverage ratio | 10.8 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.6 | 8.5 | |
| Tier 1 capital ratio | 12.3 | 9.2 | |
| Total capital ratio | 13.8 | 11.0 | |
| Tier 1 leverage ratio | 10.8 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.6 | 5.5 | |
| Tier 1 capital ratio | 11.7 | 6.9 | |
| Total capital ratio | 15.2 | 10.2 | |
| Tier 1 leverage ratio | 10.0 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.6 | 7.4 | |
| Tier 1 capital ratio | 11.7 | 8.6 | |
| Total capital ratio | 15.2 | 11.7 | |
| Tier 1 leverage ratio | 10.0 | 7.2 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 4.6 | 4.8 |
| Tier 1 capital ratio | 14.1 | 6.4 | 6.6 |
| Total capital ratio | 16.8 | 9.2 | 9.4 |
| Tier 1 leverage ratio | 8.4 | 3.8 | 3.9 |
| Supplementary leverage ratio | n/a | 2.6 | 2.7 |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 17.B. The Goldman Sachs Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.1 | 8.2 | 8.3 |
| Tier 1 capital ratio | 14.1 | 10.0 | 10.2 |
| Total capital ratio | 16.8 | 12.5 | 12.6 |
| Tier 1 leverage ratio | 8.4 | 6.0 | 6.1 |
| Supplementary leverage ratio | n/a | 4.2 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 18.A. HSBC North America Holdings Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 15.5 | 7.8 | |
| Tier 1 capital ratio | 18.3 | 9.5 | |
| Total capital ratio | 22.8 | 13.0 | |
| Tier 1 leverage ratio | 8.9 | 4.5 | |
| Supplementary leverage ratio | n/a | 3.5 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 18.B. HSBC North America Holdings Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 15.5 | 10.6 | |
| Tier 1 capital ratio | 18.3 | 12.2 | |
| Total capital ratio | 22.8 | 15.2 | |
| Tier 1 leverage ratio | 8.9 | 5.8 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 19.A. Huntington Bancshares Incorporated Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.0 | 5.8 | |
| Tier 1 capital ratio | 11.3 | 7.2 | |
| Total capital ratio | 13.4 | 9.8 | |
| Tier 1 leverage ratio | 9.1 | 5.7 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.0 | 6.8 | |
| Tier 1 capital ratio | 11.3 | 8.2 | |
| Total capital ratio | 13.4 | 10.4 | |
| Tier 1 leverage ratio | 9.1 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.2 | 4.9 | 5.0 |
| Tier 1 capital ratio | 13.9 | 6.6 | 6.9 |
| Total capital ratio | 15.9 | 8.9 | 9.2 |
| Tier 1 leverage ratio | 8.3 | 3.9 | 4.1 |
| Supplementary leverage ratio | n/a | 3.0 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 20.B. JPMorgan Chase & Co. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.2 | 7.9 | 8.0 |
| Tier 1 capital ratio | 13.9 | 9.5 | 9.9 |
| Total capital ratio | 15.9 | 11.5 | 11.8 |
| Tier 1 leverage ratio | 8.3 | 5.6 | 5.8 |
| Supplementary leverage ratio | n/a | 4.4 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 21.A. KeyCorp Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.2 | 4.6 | 4.8 |
| Tier 1 capital ratio | 11.0 | 5.9 | 6.0 |
| Total capital ratio | 12.9 | 8.2 | 8.3 |
| Tier 1 leverage ratio | 9.7 | 5.2 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.2 | 6.4 | 6.5 |
| Tier 1 capital ratio | 11.0 | 7.7 | 7.8 |
| Total capital ratio | 12.9 | 9.4 | 9.5 |
| Tier 1 leverage ratio | 9.7 | 6.6 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.0 | 4.0 | 4.9 |
| Tier 1 capital ratio | 12.3 | 5.2 | 6.2 |
| Total capital ratio | 14.8 | 7.5 | 8.5 |
| Tier 1 leverage ratio | 10.3 | 4.2 | 5.0 |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.0 | 6.3 | 7.3 |
| Tier 1 capital ratio | 12.3 | 7.5 | 8.5 |
| Total capital ratio | 14.8 | 9.7 | 10.6 |
| Tier 1 leverage ratio | 10.3 | 6.1 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.5 | 5.0 | 5.5 |
| Tier 1 capital ratio | 18.9 | 7.3 | 7.7 |
| Total capital ratio | 21.7 | 10.0 | 10.4 |
| Tier 1 leverage ratio | 8.3 | 3.2 | 3.4 |
| Supplementary leverage ratio | n/a | 2.5 | 2.6 |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 23.B. Morgan Stanley Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.5 | 10.0 | 10.5 |
| Tier 1 capital ratio | 18.9 | 12.4 | 13.0 |
| Total capital ratio | 21.7 | 14.7 | 15.2 |
| Tier 1 leverage ratio | 8.3 | 5.5 | 5.7 |
| Supplementary leverage ratio | n/a | 4.2 | 4.4 |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 24.A. MUFG Americas Holdings Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.3 | 10.4 | |
| Tier 1 capital ratio | 16.3 | 10.4 | |
| Total capital ratio | 17.8 | 11.7 | |
| Tier 1 leverage ratio | 10.1 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.3 | 12.5 | |
| Tier 1 capital ratio | 16.3 | 12.5 | |
| Total capital ratio | 17.8 | 13.3 | |
| Tier 1 leverage ratio | 10.1 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.6 | 9.4 | |
| Tier 1 capital ratio | 13.8 | 10.7 | |
| Total capital ratio | 15.8 | 13.0 | |
| Tier 1 leverage ratio | 7.8 | 5.9 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 25.B. Northern Trust Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.6 | 9.6 | |
| Tier 1 capital ratio | 13.8 | 10.8 | |
| Total capital ratio | 15.8 | 12.8 | |
| Tier 1 leverage ratio | 7.8 | 5.9 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 26.A. The PNC Financial Services Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.4 | 5.3 | |
| Tier 1 capital ratio | 11.6 | 6.5 | |
| Total capital ratio | 13.7 | 9.0 | |
| Tier 1 leverage ratio | 9.9 | 5.6 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 26.B. The PNC Financial Services Group, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 10.4 | 7.9 | |
| Tier 1 capital ratio | 11.6 | 9.3 | |
| Total capital ratio | 13.7 | 11.2 | |
| Tier 1 leverage ratio | 9.9 | 7.9 | |
| Supplementary leverage ratio | n/a | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 27.A. RBC USA Holdco Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 15.6 | 11.2 | |
| Tier 1 capital ratio | 15.6 | 11.2 | |
| Total capital ratio | 16.8 | 12.6 | |
| Tier 1 leverage ratio | 7.9 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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. RBC USA Holdco Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 15.6 | 13.4 | |
| Tier 1 capital ratio | 15.6 | 13.4 | |
| Total capital ratio | 16.8 | 14.4 | |
| Tier 1 leverage ratio | 7.9 | 7.3 | |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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. Regions Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.1 | 5.2 | |
| Tier 1 capital ratio | 11.9 | 6.9 | |
| Total capital ratio | 13.8 | 9.0 | |
| Tier 1 leverage ratio | 10.0 | 5.7 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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. Regions Financial Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.1 | 6.9 | |
| Tier 1 capital ratio | 11.9 | 8.4 | |
| Total capital ratio | 13.8 | 10.4 | |
| Tier 1 leverage ratio | 10.0 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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. Santander Holdings USA, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.4 | 14.8 | |
| Tier 1 capital ratio | 17.8 | 15.7 | |
| Total capital ratio | 19.5 | 17.1 | |
| Tier 1 leverage ratio | 14.2 | 12.3 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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.B. Santander Holdings USA, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.4 | 16.5 | |
| Tier 1 capital ratio | 17.8 | 17.7 | |
| Total capital ratio | 19.5 | 19.2 | |
| Tier 1 leverage ratio | 14.2 | 13.8 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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.A. State Street Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.9 | 4.0 | |
| Tier 1 capital ratio | 15.0 | 7.6 | |
| Total capital ratio | 16.0 | 8.7 | |
| Tier 1 leverage ratio | 7.3 | 3.5 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 30.B. State Street Corporation Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 11.9 | 8.4 | |
| Tier 1 capital ratio | 15.0 | 11.9 | |
| Total capital ratio | 16.0 | 12.6 | |
| Tier 1 leverage ratio | 7.3 | 5.4 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 31.A. SunTrust Banks, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.7 | 4.7 | |
| Tier 1 capital ratio | 11.2 | 6.2 | |
| Total capital ratio | 13.1 | 8.5 | |
| Tier 1 leverage ratio | 9.8 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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.B. SunTrust Banks, Inc. Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.7 | 6.4 | |
| Tier 1 capital ratio | 11.2 | 7.9 | |
| Total capital ratio | 13.1 | 10.0 | |
| Tier 1 leverage ratio | 9.8 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 32.A. TD Group US Holdings LLC Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.0 | 10.6 | |
| Tier 1 capital ratio | 16.0 | 10.6 | |
| Total capital ratio | 17.0 | 11.9 | |
| Tier 1 leverage ratio | 8.8 | 6.0 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 32.B. TD Group US Holdings LLC Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 16.0 | 13.2 | |
| Tier 1 capital ratio | 16.0 | 13.2 | |
| Total capital ratio | 17.0 | 14.2 | |
| Tier 1 leverage ratio | 8.8 | 7.4 | |
| Supplementary leverage ratio | n/a | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 33.A. UBS Americas Holding LLC Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 21.9 | 16.2 | |
| Tier 1 capital ratio | 24.3 | 20.4 | |
| Total capital ratio | 25.8 | 22.7 | |
| Tier 1 leverage ratio | 8.9 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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 33.B. UBS Americas Holding LLC Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 21.9 | 17.6 | |
| Tier 1 capital ratio | 24.3 | 21.8 | |
| Total capital ratio | 25.8 | 23.5 | |
| Tier 1 leverage ratio | 8.9 | 7.9 | |
Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in April 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020: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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 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.A. U.S. Bancorp Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.3 | 6.0 | |
| Tier 1 capital ratio | 10.8 | 7.6 | |
| Total capital ratio | 12.9 | 9.8 | |
| Tier 1 leverage ratio | 8.9 | 6.3 | |
| Supplementary leverage ratio | n/a | 5.0 | |
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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 34.B. U.S. Bancorp Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 9.3 | 7.7 | |
| Tier 1 capital ratio | 10.8 | 9.3 | |
| Total capital ratio | 12.9 | 11.1 | |
| Tier 1 leverage ratio | 8.9 | 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 35.A. Wells Fargo & Company Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Severely adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.3 | 6.5 | |
| Tier 1 capital ratio | 14.1 | 8.1 | |
| Total capital ratio | 17.5 | 11.4 | |
| Tier 1 leverage ratio | 9.4 | 5.3 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.
Table 35.B. Wells Fargo & Company Actual and minimum projected regulatory capital ratios, actual 2017:Q4 and projected2018:Q1-2020:Q1 Federal Reserve estimates: Adverse scenario
Actual 2017:Q4 and projected capital ratios through 2020:Q1
Percent
| Regulatory ratio | Actual 2017:Q4 |
Minimum stressed ratios | |
|---|---|---|---|
| Original planned capital actions | Adjusted planned capital actions | ||
| Common equity tier 1 capital ratio | 12.3 | 9.4 | |
| Tier 1 capital ratio | 14.1 | 11.0 | |
| Total capital ratio | 17.5 | 13.7 | |
| Tier 1 leverage ratio | 9.4 | 7.2 | |
| 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 2018 by the firms in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by firms after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those firms that did not make adjustments. The minimum capital ratios are for the period 2018:Q1 to 2020:Q1 and 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 2018
Percent
| Regulatory ratio | Minimum ratio |
|---|---|
| Common equity tier 1 capital ratio | 4.5 |
| Tier 1 risk-based capital ratio | 6.0 |
| Total risk-based capital ratio | 8.0 |
| Tier 1 leverage ratio | 4.0 |
| Supplementary leverage ratio | 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.