Regulatory and Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2018

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, 2018 and 2017.

Table 12.1: Capital Ratios Under Basel III⁽¹⁾



	December 31, 2018								December 31, 2017
(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⁾	$	33,071	11.2	%	4.5	%	N/A		$	30,036	10.3	%	4.5	%	N/A
Tier 1 capital⁽³⁾	37,431		12.7		6.0		6.0	%	34,396		11.8		6.0		6.0	%
Total capital⁽⁴⁾	44,645		15.1		8.0		10.0		41,962		14.4		8.0		10.0
Tier 1 leverage⁽⁵⁾	37,431		10.7		4.0		N/A		34,396		9.9		4.0		N/A
Supplementary leverage⁽⁶⁾	37,431		9.0		3.0		N/A		34,396		8.4		N/A		N/A
COBNA:
Common equity Tier 1 capital⁽²⁾	16,378		15.3		4.5		6.5		14,791		14.3		4.5		6.5
Tier 1 capital⁽³⁾	16,378		15.3		6.0		8.0		14,791		14.3		6.0		8.0
Total capital⁽⁴⁾	18,788		17.6		8.0		10.0		17,521		16.9		8.0		10.0
Tier 1 leverage⁽⁵⁾	16,378		14.0		4.0		5.0		14,791		12.7		4.0		5.0
Supplementary leverage⁽⁶⁾	16,378		11.5		3.0		N/A		14,791		10.4		N/A		N/A
CONA:
Common equity Tier 1 capital⁽²⁾	25,637		13.0		4.5		6.5		23,771		12.2		4.5		6.5
Tier 1 capital⁽³⁾	25,637		13.0		6.0		8.0		23,771		12.2		6.0		8.0
Total capital⁽⁴⁾	27,912		14.2		8.0		10.0		26,214		13.4		8.0		10.0
Tier 1 leverage⁽⁵⁾	25,637		9.1		4.0		5.0		23,771		8.6		4.0		5.0
Supplementary leverage⁽⁶⁾	25,637		8.0		3.0		N/A		23,771		7.7		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 80% for 2017 and 100% for 2018. Capital requirements 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.