Regulatory and Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2017

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 the applicable transition provisions, the regulatory minimum capital adequacy ratios and the PCA well-capitalized level for each ratio,where applicable, as of December 31, 2017 and 2016.

Table 12.1: Capital Ratios Under Basel III⁽¹⁾



	December 31, 2017					December 31, 2016
(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⁾	$	30,036	10.3	4.5	N/A	$	28,803	10.1	4.5	N/A
Tier 1 capital⁽³⁾	34,396		11.8	6.0	6.0	33,162		11.6	6.0	6.0
Total capital⁽⁴⁾	41,962		14.4	8.0	10.0	40,817		14.3	8.0	10.0
Tier 1 leverage⁽⁵⁾	34,396		9.9	4.0	N/A	33,162		9.9	4.0	N/A
Supplementary leverage⁽⁶⁾	34,396		8.4	N/A	N/A	33,162		8.6	N/A	N/A
COBNA:
Common equity Tier 1 capital⁽²⁾	14,791		14.3	4.5	6.5	11,568		12.0	4.5	6.5
Tier 1 capital⁽³⁾	14,791		14.3	6.0	8.0	11,568		12.0	6.0	8.0
Total capital⁽⁴⁾	17,521		16.9	8.0	10.0	14,230		14.8	8.0	10.0
Tier 1 leverage⁽⁵⁾	14,791		12.7	4.0	5.0	11,568		10.8	4.0	5.0
Supplementary leverage⁽⁶⁾	14,791		10.4	N/A	N/A	11,568		8.9	N/A	N/A
CONA:
Common equity Tier 1 capital⁽²⁾	23,771		12.2	4.5	6.5	20,670		10.6	4.5	6.5
Tier 1 capital⁽³⁾	23,771		12.2	6.0	8.0	20,670		10.6	6.0	8.0
Total capital⁽⁴⁾	26,214		13.4	8.0	10.0	23,117		11.8	8.0	10.0
Tier 1 leverage⁽⁵⁾	23,771		8.6	4.0	5.0	20,670		7.7	4.0	5.0
Supplementary leverage⁽⁶⁾	23,771		7.7	N/A	N/A	20,670		6.9	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 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 is a regulatory capital measure calculated based on Tier 1 capital divided by total leverage exposure.