REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2019

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table presents the Company’s capital and capital ratios under U.S. Basel III Standardized rules. The Company has declared itself as an “AOCI opt-out” institution, which means the Company is not required to recognize in regulatory capital the impacts of net unrealized gains and losses included within AOCI for debt securities that are available for sale or held to maturity, accumulated net gains and losses on cash flow hedges and certain defined benefit pension plan assets.



	Actual				Minimum Capital Adequacy
(in millions, except ratio data)	Amount		Ratio		Amount		Ratio⁽¹⁾
As of December 31, 2019
CET1 capital		$14,304	10.0			$10,004	7.000	%
Tier 1 capital	15,874		11.1		12,148		8.500
Total capital	18,542		13.0		15,006		10.500
Tier 1 leverage	15,874		10.0		6,351		4.000
As of December 31, 2018
CET1 capital		$14,485	10.6	%		$8,683	6.375	%
Tier 1 capital	15,325		11.3		10,726		7.875
Total capital	18,157		13.3		13,450		9.875
Tier 1 leverage	15,325		10.0		6,121		4.000

⁽¹⁾“Minimum Capital ratio” includes capital conservation buffer of 2.500% for 2019 and 1.875% for 2018; N/A to Tier 1 leverage.