REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2022

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table presents the capital ratios for the Company and CBNA under the U.S. Basel III Standardized rules. The Company and CBNA have both declared as an “AOCI opt-out” institution, which means they are not required to recognize the AOCI impact of net unrealized gains and losses on debt securities and accumulated net gains and losses on cash flow hedges and certain defined benefit pension plan assets in regulatory capital. In addition, both entities elected to delay the estimated impact of CECL on regulatory capital for a two-year period ending December 31, 2021, followed by a three-year transition period ending December 31, 2024, to phase-in the aggregate amount of the capital benefit provided during the initial two-year delay.


	Actual			Required Minimum Capital
(in millions, except ratio data)	Amount	Ratio		Amount	Ratio(1)
As of December 31, 2022
CET1 capital
CFG	$18,574	10.0	%	$14,633	7.9	%
CBNA	20,669	11.2		12,935	7.0
Tier 1 capital
CFG	20,588	11.1		17,411	9.4
CBNA	20,669	11.2		15,706	8.5
Total capital
CFG	23,755	12.8		21,116	11.4
CBNA	23,534	12.7		19,402	10.5
Tier 1 leverage
CFG	20,588	9.3		8,831	4.0
CBNA	20,669	9.4		8,807	4.0
As of December 31, 2021
CET1 capital
CFG	$15,656	9.9	%	$12,548	7.9	%
CBNA	17,039	10.7		11,099	7.0
Tier 1 capital
CFG	17,670	11.1		14,930	9.4
CBNA	17,039	10.7		13,477	8.5
Total capital
CFG	20,244	12.7		18,107	11.4
CBNA	19,600	12.4		16,648	10.5
Tier 1 leverage
CFG	17,670	9.7		7,272	4.0
CBNA	17,039	9.4		7,251	4.0

(1) Represents minimum requirement under the current capital framework plus the SCB of 3.4% and CCB of 2.5% for CFG and CBNA, respectively. The SCB and CCB are not applicable to the Tier 1 leverage ratio.