Regulatory and Capital Adequacy (Tables)

12 Months Ended

Dec. 31, 2021

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 applicable well-capitalized standard for each ratio as of December 31, 2021 and 2020.

Table 11.1: Capital Ratios Under Basel III(1)


	December 31, 2021								December 31, 2020
(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)	$	43,501	13.1	%	4.5	%	N/A		$	40,736	13.7	%	4.5	%	N/A
Tier 1 capital(3)	48,346		14.5		6.0		6.0	%	45,583		15.3		6.0		6.0	%
Total capital(4)	56,089		16.9		8.0		10.0		52,788		17.7		8.0		10.0
Tier 1 leverage(5)	48,346		11.6		4.0		N/A		45,583		11.2		4.0		N/A
Supplementary leverage(6)(7)	48,346		9.9		3.0		N/A		45,583		10.7		3.0		N/A
COBNA:
Common equity Tier 1 capital(2)	17,392		16.5		4.5		6.5		19,924		21.5		4.5		6.5
Tier 1 capital(3)	17,392		16.5		6.0		8.0		19,924		21.5		6.0		8.0
Total capital(4)	19,047		18.0		8.0		10.0		21,708		23.4		8.0		10.0
Tier 1 leverage(5)	17,392		14.9		4.0		5.0		19,924		18.3		4.0		5.0
Supplementary leverage(6)	17,392		12.0		3.0		N/A		19,924		14.7		3.0		N/A
CONA:
Common equity Tier 1 capital(2)	26,699		11.1		4.5		6.5		26,671		12.4		4.5		6.5
Tier 1 capital(3)	26,699		11.1		6.0		8.0		26,671		12.4		6.0		8.0
Total capital(4)	29,449		12.2		8.0		10.0		29,369		13.7		8.0		10.0
Tier 1 leverage(5)	26,699		7.4		4.0		5.0		26,671		7.6		4.0		5.0
Supplementary leverage(6)	26,699		6.6		3.0		N/A		26,671		6.9		3.0		N/A

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(1)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.

(7)The Company’s supplementary leverage ratio as of December 31, 2020 reflected the temporary exclusions of U.S Treasury securities and deposits with the Federal Reserve Banks from the denominator of the supplementary leverage ratio, pursuant to an interim final rule issued by the Federal Reserve. For more information, see “Part II—Item 7. Capital Management—Capital Standards and Prompt Corrective Action”.