Regulatory and Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2016

Schedule of Comparison of Capital Ratios

The following table provides a comparison of our regulatory capital amounts and ratios under the Basel III Standardized Approach subject to transition provisions, the regulatory minimum capital adequacy ratios and the PCA well-capitalized level for each ratio (where applicable) as of December 31, 2016 and 2015.

Table 12.1: Capital Ratios Under Basel III⁽¹⁾



	December 31, 2016					December 31, 2015
(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⁾	$	28,803	10.1%	4.5%	N/A	$	29,544	11.1%	4.5%	N/A
Tier 1 capital⁽³⁾	33,162		11.6	6.0	6.0%	32,838		12.4	6.0	6.0%
Total capital⁽⁴⁾	40,817		14.3	8.0	10.0	38,838		14.6	8.0	10.0
Tier 1 leverage⁽⁵⁾	33,162		9.9	4.0	N/A	32,838		10.6	4.0	N/A
Supplementary leverage⁽⁶⁾	33,162		8.6	N/A	N/A	32,838		9.2	N/A	N/A
Capital One Bank (USA), N.A.:
Common equity Tier 1 capital⁽²⁾	$	11,568	12.0%	4.5%	6.5%	$	10,644	12.2%	4.5%	6.5%
Tier 1 capital⁽³⁾	11,568		12.0	6.0	8.0	10,644		12.2	6.0	8.0
Total capital⁽⁴⁾	14,230		14.8	8.0	10.0	13,192		15.2	8.0	10.0
Tier 1 leverage⁽⁵⁾	11,568		10.8	4.0	5.0	10,644		10.8	4.0	5.0
Supplementary leverage⁽⁶⁾	11,568		8.9	N/A	N/A	10,644		9.0	N/A	N/A
Capital One, N.A.:
Common equity Tier 1 capital⁽²⁾	$	20,670	10.6%	4.5%	6.5%	$	21,765	11.8%	4.5%	6.5%
Tier 1 capital⁽³⁾	20,670		10.6	6.0	8.0	21,765		11.8	6.0	8.0
Total capital⁽⁴⁾	23,117		11.8	8.0	10.0	23,832		12.9	8.0	10.0
Tier 1 leverage⁽⁵⁾	20,670		7.7	4.0	5.0	21,765		8.8	4.0	5.0
Supplementary leverage⁽⁶⁾	20,670		6.9	N/A	N/A	21,765		7.9	N/A	N/A

__________

⁽¹⁾

Capital ratios are calculated based on the Basel III Standardized Approach framework, subject to applicable transition provisions, such as the inclusion of the unrealized gains and losses on securities available for sale included in AOCI and adjustments related to intangible assets other than goodwill. The inclusion of AOCI and the adjustments related to intangible assets are phased-in at 40% for 2015, 60% for 2016, 80% for 2017 and 100% for 2018. Capital ratios that are not applicable are denoted by “N/A.”


⁽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 adjusted average assets.


⁽⁶⁾	Supplementary leverage ratio (“SLR”) is a regulatory capital measure calculated based on Tier 1 capital divided by total leverage exposure.