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Federal Reserve Board of Governors

Stress Tests and Capital Planning

Federal Reserve Board of Governors

2014 CCAR Banks


Advanced Approaches BHCs for CCAR 20141
American Express Bank of America Bank of NY-Mellon Capital One
Citigroup Goldman Sachs HSBC JP Morgan Chase
Morgan Stanley Northern Trust PNC State Street
U.S. Bancorp Wells Fargo    
Minimum capital ratios for Advanced Approaches BHCs in CCAR 20142
Category Q4 2013 2014 2015
Tier 1 common ratio 5 percent 5 percent 5 percent
Common equity tier 1 ratio Not applicable 4 percent 4.5 percent
Tier 1 risk-based capital ratio 4 percent 5.5 percent 6 percent
Total risk-based capital ratio 8 percent 8 percent 8 percent
Tier 1 leverage ratio 3 or 4 percent 4 percent 4 percent

 

Other BHCs for CCAR 2014
Ally Comerica KeyCorp Santander
BB&T Discover M&T SunTrust
BBVA Compass Fifth Third RBS Citizens UnionBancal
BMO Huntington Regions Zions
Minimum capital ratios for Other BHCs in CCAR 2014
Category Q4 2013 2014 2015
Tier 1 common ratio 5 percent 5 percent 5 percent
Common equity tier 1 ratio Not applicable Not applicable 4.5 percent
Tier 1 risk-based capital ratio 4 percent 4 percent 6 percent
Total risk-based capital ratio 8 percent 8 percent 8 percent
Tier 1 leverage ratio 3 or 4 percent 3 or 4 percent 4 percent

1. For purposes of CCAR 2014, an advanced approaches BHC includes any BHC that has consolidated assets greater than or equal to $250 billion or total consolidated on-balance sheet foreign exposure of at least $10 billion as of December 31, 2013. See 12 CFR 217.100(b)(1); 12 CFR part 225, appendix G, section 1(b). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC. Return to text

2. The tier 1 common ratio is calculated for each quarter of the planning horizon using the definition of tier 1 capital and total risk-weighted assets in effect as of October 1, 2013. All other ratios are calculated using the definitions of capital and approaches to risk weighting assets that are in effect during a particular planning horizon quarter. See "Regulations Y and YY: Application of the Revised Capital Framework to the Capital Plan and Stress Test Rules," 78 Fed. Reg. 59779 (September 30, 2013). Return to text

Last update: March 19, 2014