REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2014

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table presents capital and capital ratio information under the Basel I capital framework effective for the Company as of December 31, 2014:



	Actual				Minimum Capital Adequacy				Classification as Well Capitalized
(dollars in millions)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2014
Total capital to risk-weighted assets		$16,781	15.8	%		$8,477	8.0	%		$10,596	10.0	%
Tier 1 capital to risk-weighted assets	13,173		12.4		4,239		4.0		6,358		6.0
Tier 1 capital to average assets (leverage)	13,173		10.6		4,982		4.0		6,227		5.0

As of December 31, 2013
Total capital to risk-weighted assets		$15,885	16.1	%		$7,891	8.0	%		$9,863	10.0	%
Tier 1 capital to risk-weighted assets	13,301		13.5		3,945		4.0		5,918		6.0
Tier 1 capital to average assets (leverage)	13,301		11.6		4,577		4.0		5,721		5.0

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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