Regulatory and Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2015

Schedule of Comparison of Capital Ratios

The following table provides a comparison of our regulatory capital amounts and ratios under the Federal Banking Agencies’ capital adequacy standards as of December 31, 2015 and 2014.

Table 13.1: Capital Ratios Under Basel III⁽¹⁾



	December 31, 2015					December 31, 2014
(Dollars in millions)	Capital Amount		Capital Ratio	Minimum Capital Adequacy	Well- Capitalized	Capital Amount		Capital Ratio	Minimum Capital Adequacy	Well- Capitalized
Capital One Financial Corp:
Common equity Tier 1 capital⁽²⁾	$	29,544	11.1%	4.5%	N/A	$	29,534	12.5%	4.0%	N/A
Tier 1 capital⁽³⁾	32,838		12.4	6.0	6.0%	31,355		13.2	5.5	6.0%
Total capital⁽⁴⁾	38,838		14.6	8.0	10.0	35,879		15.1	8.0	10.0
Tier 1 leverage⁽⁵⁾	32,838		10.6	4.0	N/A	31,355		10.8	4.0	N/A
Supplementary leverage ratio⁽⁶⁾	357,794		9.2	N/A	N/A	N/A		N/A	N/A	N/A
Capital One Bank (USA), N.A.:
Common equity Tier 1 capital⁽²⁾	$	10,644	12.2%	4.5%	6.5%	$	8,503	11.3%	4.0%	N/A
Tier 1 capital⁽³⁾	10,644		12.2	6.0	8.0	8,503		11.3	5.5	6.0%
Total capital⁽⁴⁾	13,192		15.2	8.0	10.0	10,938		14.6	8.0	10.0
Tier 1 leverage⁽⁵⁾	10,644		10.8	4.0	5.0	8,503		9.6	4.0	5.0
Supplementary leverage ratio⁽⁶⁾	118,859		9.0	N/A	N/A	N/A		N/A	N/A	N/A
Capital One, N.A.:
Common equity Tier 1 capital⁽²⁾	$	21,765	11.8%	4.5%	6.5%	$	21,136	12.5%	4.0%	N/A
Tier 1 capital⁽³⁾	21,765		11.8	6.0	8.0	21,136		12.5	5.5	6.0%
Total capital⁽⁴⁾	23,832		12.9	8.0	10.0	22,881		13.6	8.0	10.0
Tier 1 leverage⁽⁵⁾	21,765		8.8	4.0	5.0	21,136		8.9	4.0	5.0
Supplementary leverage ratio⁽⁶⁾	276,132		7.9	N/A	N/A	N/A		N/A	N/A	N/A

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⁽¹⁾	Capital ratios are calculated based on the Basel III Standardized Approach framework, subject to applicable transition provisions. As we continue to refine our classification of exposures under the Basel III Standardized Approach framework, risk-weighted asset classifications are subject to change.


⁽²⁾	Common equity Tier 1 capital ratio is a regulatory capital measure calculated based on common equity Tier 1 capital divided by risk-weighted assets.


⁽³⁾	Tier 1 capital ratio is a regulatory capital measure calculated based on Tier 1 capital divided by risk-weighted assets.


⁽⁴⁾	Total capital ratio is a regulatory capital measure calculated based on total capital divided by risk-weighted assets.


⁽⁵⁾	Tier 1 leverage ratio is a regulatory capital measure calculated based on Tier 1 capital divided by average assets, after certain adjustments.


⁽⁶⁾	Supplementary leverage ratio is a regulatory capital measure calculated based on Tier 1 capital under the Basel III Standardized Approach divided by total leverage exposure.