Appendix A: Disclosure Tables

These tables provide projections that represent hypothetical estimates involving an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The tables include the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and, where applicable, reflect any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections. The minimum capital ratios are for the period from the fourth quarter of 2014 to the fourth quarter of 2016 and do not necessarily occur in the same quarter.

Table A.1.A. Ally Financial Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.7	9.1	7.1
Common equity tier 1 ratio (%)	n.a.	n.a.	7.3
Tier 1 capital ratio (%)	12.7	12.0	8.3
Total risk-based capital ratio (%)	13.5	13.2	10.1
Tier 1 leverage ratio (%)	10.9	10.2	7.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.1.B. Ally Financial Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.7	9.5	8.7
Common equity tier 1 ratio (%)	n.a.	n.a.	8.6
Tier 1 capital ratio (%)	12.7	12.4	9.8
Total risk-based capital ratio (%)	13.5	13.4	11.5
Tier 1 leverage ratio (%)	10.9	10.6	8.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.2.A. American Express Company
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.2	12.6	8.2
Common equity tier 1 ratio (%)	13.6	13.2	8.0
Tier 1 capital ratio (%)	13.6	13.8	9.2
Total risk-based capital ratio (%)	15.1	15.8	10.9
Tier 1 leverage ratio (%)	11.6	11.4	7.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.2.B. American Express Company
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.2	12.8	10.3
Common equity tier 1 ratio (%)	13.6	13.4	10.0
Tier 1 capital ratio (%)	13.6	14.0	11.1
Total risk-based capital ratio (%)	15.1	16.0	12.8
Tier 1 leverage ratio (%)	11.6	11.6	9.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.3.A. Bank of America Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.3	8.4	6.8
Common equity tier 1 ratio (%)	12.0	10.3	6.6
Tier 1 capital ratio (%)	12.8	10.8	7.7
Total risk-based capital ratio (%)	15.8	14.1	10.7
Tier 1 leverage ratio (%)	7.9	6.4	5.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.3.B. Bank of America Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.3	10.0	9.9
Common equity tier 1 ratio (%)	12.0	10.8	7.7
Tier 1 capital ratio (%)	12.8	11.7	9.1
Total risk-based capital ratio (%)	15.8	15.0	12.0
Tier 1 leverage ratio (%)	7.9	6.8	5.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.4.A. The Bank of New York Mellon Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.9	12.6	11.4
Common equity tier 1 ratio (%)	15.1	16.5	11.1
Tier 1 capital ratio (%)	16.3	17.6	12.9
Total risk-based capital ratio (%)	17.0	18.3	13.3
Tier 1 leverage ratio (%)	5.8	5.4	4.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.4.B. The Bank of New York Mellon Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.9	13.3	13.1
Common equity tier 1 ratio (%)	15.1	16.6	11.5
Tier 1 capital ratio (%)	16.3	18.1	13.2
Total risk-based capital ratio (%)	17.0	18.7	13.5
Tier 1 leverage ratio (%)	5.8	5.5	4.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.5.A. BB&T Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.5	10.2	7.1
Common equity tier 1 ratio (%)	n.a.	n.a.	7.1
Tier 1 capital ratio (%)	12.4	12.1	8.7
Total risk-based capital ratio (%)	15.2	14.7	11.4
Tier 1 leverage ratio (%)	9.7	9.4	6.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.5.B. BB&T Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.5	10.4	8.5
Common equity tier 1 ratio (%)	n.a.	n.a.	8.7
Tier 1 capital ratio (%)	12.4	12.3	10.2
Total risk-based capital ratio (%)	15.2	15.0	12.5
Tier 1 leverage ratio (%)	9.7	9.6	7.7

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.6.A. BBVA Compass Bancshares, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.0	10.5	6.3
Common equity tier 1 ratio (%)	n.a.	n.a.	6.9
Tier 1 capital ratio (%)	11.3	10.7	6.9
Total risk-based capital ratio (%)	13.3	12.6	9.6
Tier 1 leverage ratio (%)	9.6	9.0	5.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.6.B. BBVA Compass Bancshares, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.0	10.7	9.5
Common equity tier 1 ratio (%)	n.a.	n.a.	10.0
Tier 1 capital ratio (%)	11.3	10.9	10.0
Total risk-based capital ratio (%)	13.3	12.9	12.5
Tier 1 leverage ratio (%)	9.6	9.3	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.7.A. BMO Financial Corp.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.5	11.1	9.0
Common equity tier 1 ratio (%)	n.a.	n.a.	7.4
Tier 1 capital ratio (%)	11.5	11.1	7.4
Total risk-based capital ratio (%)	15.5	14.9	10.3
Tier 1 leverage ratio (%)	8.3	7.9	5.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.7.B. BMO Financial Corp.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.5	11.5	11.5
Common equity tier 1 ratio (%)	n.a.	n.a.	10.5
Tier 1 capital ratio (%)	11.5	11.5	10.5
Total risk-based capital ratio (%)	15.5	15.3	13.9
Tier 1 leverage ratio (%)	8.3	8.2	7.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.8.A. Capital One Financial Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.7	11.9	7.0
Common equity tier 1 ratio (%)	12.7	12.7	7.1
Tier 1 capital ratio (%)	13.3	13.6	8.7
Total risk-based capital ratio (%)	15.2	15.5	10.8
Tier 1 leverage ratio (%)	10.6	10.0	6.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.8.B. Capital One Financial Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.7	12.1	9.2
Common equity tier 1 ratio (%)	12.7	12.9	8.2
Tier 1 capital ratio (%)	13.3	13.7	9.7
Total risk-based capital ratio (%)	15.2	15.7	11.8
Tier 1 leverage ratio (%)	10.6	10.2	7.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.9.A. Citigroup Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.4	9.9	7.1
Common equity tier 1 ratio (%)	15.1	11.4	6.4
Tier 1 capital ratio (%)	15.1	11.4	6.6
Total risk-based capital ratio (%)	17.7	14.2	9.4
Tier 1 leverage ratio (%)	9.0	6.6	4.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.9.B. Citigroup Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.4	11.7	11.1
Common equity tier 1 ratio (%)	15.1	12.6	8.4
Tier 1 capital ratio (%)	15.1	12.6	9.2
Total risk-based capital ratio (%)	17.7	15.4	11.9
Tier 1 leverage ratio (%)	9.0	7.2	6.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.10.A. Citizens Financial Group, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.9	12.1	9.8
Common equity tier 1 ratio (%)	n.a.	n.a.	10.0
Tier 1 capital ratio (%)	12.9	12.1	10.2
Total risk-based capital ratio (%)	16.1	15.6	13.9
Tier 1 leverage ratio (%)	10.9	10.2	8.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.10.B. Citizens Financial Group, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.9	12.3	11.3
Common equity tier 1 ratio (%)	n.a.	n.a.	11.5
Tier 1 capital ratio (%)	12.9	12.3	11.8
Total risk-based capital ratio (%)	16.1	15.8	15.4
Tier 1 leverage ratio (%)	10.9	10.4	9.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.11.A. Comerica Incorporated
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.6	10.2	7.9
Common equity tier 1 ratio (%)	n.a.	n.a.	7.6
Tier 1 capital ratio (%)	10.6	10.2	7.6
Total risk-based capital ratio (%)	12.8	12.4	10.3
Tier 1 leverage ratio (%)	10.8	10.4	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.11.B. Comerica Incorporated
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.6	10.4	9.8
Common equity tier 1 ratio (%)	n.a.	n.a.	9.6
Tier 1 capital ratio (%)	10.6	10.4	9.6
Total risk-based capital ratio (%)	12.8	12.4	11.6
Tier 1 leverage ratio (%)	10.8	10.6	9.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.12.A. Deutsche Bank Trust Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	36.6	36.0	34.7
Common equity tier 1 ratio (%)	n.a.	n.a.	28.6
Tier 1 capital ratio (%)	36.6	36.0	28.6
Total risk-based capital ratio (%)	37.0	36.7	29.8
Tier 1 leverage ratio (%)	11.9	11.7	11.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.12.B. Deutsche Bank Trust Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	36.6	36.3	36.3
Common equity tier 1 ratio (%)	n.a.	n.a.	30.2
Tier 1 capital ratio (%)	36.6	36.3	30.2
Total risk-based capital ratio (%)	37.0	36.8	30.6
Tier 1 leverage ratio (%)	11.9	11.8	11.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.13.A. Discover Financial Services
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	14.8	14.0	10.4
Common equity tier 1 ratio (%)	n.a.	n.a.	9.9
Tier 1 capital ratio (%)	15.6	14.8	10.9
Total risk-based capital ratio (%)	17.8	17.0	12.7
Tier 1 leverage ratio (%)	13.7	12.7	9.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.13.B. Discover Financial Services
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	14.8	14.3	12.1
Common equity tier 1 ratio (%)	n.a.	n.a.	11.6
Tier 1 capital ratio (%)	15.6	15.1	12.5
Total risk-based capital ratio (%)	17.8	17.3	14.2
Tier 1 leverage ratio (%)	13.7	13.0	10.7

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.14.A. Fifth Third Bancorp
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.6	9.2	6.9
Common equity tier 1 ratio (%)	n.a.	n.a.	6.4
Tier 1 capital ratio (%)	10.8	10.4	7.5
Total risk-based capital ratio (%)	14.3	14.0	10.5
Tier 1 leverage ratio (%)	9.8	9.3	6.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.14.B. Fifth Third Bancorp
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.6	9.4	8.7
Common equity tier 1 ratio (%)	n.a.	n.a.	8.3
Tier 1 capital ratio (%)	10.8	10.6	9.3
Total risk-based capital ratio (%)	14.3	13.9	11.7
Tier 1 leverage ratio (%)	9.8	9.5	8.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.15.A. The Goldman Sachs Group, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	15.2	9.2	5.8	9.2	6.4
Common equity tier 1 ratio (%)	15.1	10.5	4.9	10.5	5.4
Tier 1 capital ratio (%)	17.0	11.6	5.9	11.6	6.4
Total risk-based capital ratio (%)	19.8	14.2	7.6	14.2	8.1
Tier 1 leverage ratio (%)	9.0	6.6	4.5	6.6	4.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.15.B. The Goldman Sachs Group, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	15.2	12.9	11.4	12.9	12.1
Common equity tier 1 ratio (%)	15.1	13.3	8.0	13.3	8.5
Tier 1 capital ratio (%)	17.0	15.2	9.5	15.2	10.0
Total risk-based capital ratio (%)	19.8	18.0	11.2	18.0	11.8
Tier 1 leverage ratio (%)	9.0	8.0	6.7	8.0	7.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.16.A. HSBC North America Holdings Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	14.0	14.0	8.9
Common equity tier 1 ratio (%)	16.3	15.2	8.9
Tier 1 capital ratio (%)	17.3	17.3	10.0
Total risk-based capital ratio (%)	26.1	23.7	15.2
Tier 1 leverage ratio (%)	9.4	9.2	6.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.16.B. HSBC North America Holdings Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	14.0	14.9	13.9
Common equity tier 1 ratio (%)	16.3	15.1	11.1
Tier 1 capital ratio (%)	17.3	17.3	12.5
Total risk-based capital ratio (%)	26.1	23.7	17.3
Tier 1 leverage ratio (%)	9.4	9.2	7.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.17.A. Huntington Bancshares Incorporated
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.3	9.9	7.9
Common equity tier 1 ratio (%)	n.a.	n.a.	7.6
Tier 1 capital ratio (%)	11.6	11.2	8.2
Total risk-based capital ratio (%)	13.7	13.3	10.4
Tier 1 leverage ratio (%)	9.8	9.4	7.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.17.B. Huntington Bancshares Incorporated
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.3	10.1	8.9
Common equity tier 1 ratio (%)	n.a.	n.a.	8.7
Tier 1 capital ratio (%)	11.6	11.4	9.4
Total risk-based capital ratio (%)	13.7	13.5	11.3
Tier 1 leverage ratio (%)	9.8	9.6	7.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.18.A. JPMorgan Chase & Co.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.9	8.3	5.0	8.3	5.5
Common equity tier 1 ratio (%)	11.1	9.6	4.9	9.6	5.3
Tier 1 capital ratio (%)	12.6	11.0	6.0	11.0	6.5
Total risk-based capital ratio (%)	15.0	13.6	8.3	13.6	8.8
Tier 1 leverage ratio (%)	7.6	6.6	3.8	6.6	4.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.18.B. JPMorgan Chase & Co.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.9	10.0	8.7	10.0	9.0
Common equity tier 1 ratio (%)	11.1	10.5	7.6	10.5	8.1
Tier 1 capital ratio (%)	12.6	12.0	9.1	12.0	9.5
Total risk-based capital ratio (%)	15.0	14.5	11.0	14.5	11.4
Tier 1 leverage ratio (%)	7.6	7.1	5.6	7.1	5.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.19.A. KeyCorp
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.3	10.7	8.5
Common equity tier 1 ratio (%)	n.a.	n.a.	8.2
Tier 1 capital ratio (%)	12.0	11.4	8.5
Total risk-based capital ratio (%)	14.1	13.7	10.4
Tier 1 leverage ratio (%)	11.2	10.6	8.0

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.19.B. KeyCorp
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.3	10.9	9.9
Common equity tier 1 ratio (%)	n.a.	n.a.	9.6
Tier 1 capital ratio (%)	12.0	11.6	9.9
Total risk-based capital ratio (%)	14.1	13.7	11.4
Tier 1 leverage ratio (%)	11.2	10.7	9.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.20.A. M&T Bank Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.8	9.3	6.9
Common equity tier 1 ratio (%)	n.a.	n.a.	7.0
Tier 1 capital ratio (%)	12.5	12.0	8.4
Total risk-based capital ratio (%)	15.4	14.8	10.9
Tier 1 leverage ratio (%)	10.6	10.1	6.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.20.B. M&T Bank Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.8	9.6	9.0
Common equity tier 1 ratio (%)	n.a.	n.a.	9.3
Tier 1 capital ratio (%)	12.5	12.2	10.6
Total risk-based capital ratio (%)	15.4	15.1	13.0
Tier 1 leverage ratio (%)	10.6	10.3	7.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.21.A. Morgan Stanley
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	15.0	8.6	5.9	8.6	5.9
Common equity tier 1 ratio (%)	15.2	10.5	5.9	10.5	5.9
Tier 1 capital ratio (%)	17.1	11.2	6.0	11.2	6.2
Total risk-based capital ratio (%)	19.8	13.8	7.4	13.8	8.2
Tier 1 leverage ratio (%)	8.2	5.7	4.2	5.7	4.2

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.21.B. Morgan Stanley
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	15.0	12.4	11.7	12.4	11.7
Common equity tier 1 ratio (%)	15.2	13.4	10.2	13.4	10.2
Tier 1 capital ratio (%)	17.1	15.1	11.2	15.1	11.4
Total risk-based capital ratio (%)	19.8	17.8	12.9	17.8	13.8
Tier 1 leverage ratio (%)	8.2	7.1	6.4	7.1	6.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.22.A. MUFG Americas Holdings Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.7	12.0	8.0
Common equity tier 1 ratio (%)	12.7	n.a.	8.0
Tier 1 capital ratio (%)	12.7	12.0	8.0
Total risk-based capital ratio (%)	14.6	14.4	10.2
Tier 1 leverage ratio (%)	11.4	10.8	7.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.22.B. MUFG Americas Holdings Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.7	12.3	11.3
Common equity tier 1 ratio (%)	12.7	n.a.	11.4
Tier 1 capital ratio (%)	12.7	12.4	11.4
Total risk-based capital ratio (%)	14.6	14.4	13.3
Tier 1 leverage ratio (%)	11.4	11.1	9.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.23.A. Northern Trust Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.8	12.4	10.8
Common equity tier 1 ratio (%)	12.8	12.6	9.4
Tier 1 capital ratio (%)	13.6	13.4	10.0
Total risk-based capital ratio (%)	16.0	16.0	12.1
Tier 1 leverage ratio (%)	7.9	7.7	6.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.23.B. Northern Trust Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	12.8	12.5	12.3
Common equity tier 1 ratio (%)	12.8	12.5	10.1
Tier 1 capital ratio (%)	13.6	13.4	10.6
Total risk-based capital ratio (%)	16.0	15.8	12.6
Tier 1 leverage ratio (%)	7.9	7.7	6.8

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.24.A. The PNC Financial Services Group, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.0	10.5	8.0
Common equity tier 1 ratio (%)	11.1	11.0	7.0
Tier 1 capital ratio (%)	12.8	12.8	8.3
Total risk-based capital ratio (%)	16.1	16.1	11.1
Tier 1 leverage ratio (%)	11.1	10.6	7.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.24.B. The PNC Financial Services Group, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.0	10.7	9.8
Common equity tier 1 ratio (%)	11.1	11.1	8.3
Tier 1 capital ratio (%)	12.8	12.9	9.5
Total risk-based capital ratio (%)	16.1	16.2	12.2
Tier 1 leverage ratio (%)	11.1	10.7	8.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.25.A. Regions Financial Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.8	11.1	6.8
Common equity tier 1 ratio (%)	n.a.	n.a.	7.0
Tier 1 capital ratio (%)	12.7	12.0	7.6
Total risk-based capital ratio (%)	15.5	14.8	9.7
Tier 1 leverage ratio (%)	11.0	10.3	6.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.25.B. Regions Financial Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.8	11.3	9.3
Common equity tier 1 ratio (%)	n.a.	n.a.	9.3
Tier 1 capital ratio (%)	12.7	12.2	10.0
Total risk-based capital ratio (%)	15.5	15.0	12.2
Tier 1 leverage ratio (%)	11.0	10.5	8.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.26.A. Santander Holdings USA, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.0	11.2	9.4	11.2	9.4
Common equity tier 1 ratio (%)	n.a.	n.a.	10.3	n.a.	10.3
Tier 1 capital ratio (%)	13.1	13.1	10.5	13.1	10.6
Total risk-based capital ratio (%)	15.0	15.1	12.7	15.1	12.7
Tier 1 leverage ratio (%)	12.3	12.1	9.5	12.1	9.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.26.B. Santander Holdings USA, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.0	11.7	11.5	11.7	11.5
Common equity tier 1 ratio (%)	n.a.	n.a.	12.2	n.a.	12.2
Tier 1 capital ratio (%)	13.1	13.7	13.0	13.7	13.0
Total risk-based capital ratio (%)	15.0	15.6	15.2	15.6	15.2
Tier 1 leverage ratio (%)	12.3	12.7	11.5	12.7	11.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.27.A. State Street Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.9	12.0	10.8
Common equity tier 1 ratio (%)	15.0	14.2	6.5
Tier 1 capital ratio (%)	16.7	16.3	8.7
Total risk-based capital ratio (%)	19.1	18.8	10.6
Tier 1 leverage ratio (%)	6.4	5.8	4.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.27.B. State Street Corporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	13.9	12.8	12.6
Common equity tier 1 ratio (%)	15.0	14.5	7.2
Tier 1 capital ratio (%)	16.7	17.1	9.3
Total risk-based capital ratio (%)	19.1	19.5	11.1
Tier 1 leverage ratio (%)	6.4	6.1	4.5

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.28.A. SunTrust Banks, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.6	9.2	7.3
Common equity tier 1 ratio (%)	n.a.	n.a.	7.2
Tier 1 capital ratio (%)	10.5	10.5	8.2
Total risk-based capital ratio (%)	12.3	12.2	10.2
Tier 1 leverage ratio (%)	9.5	9.4	6.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.28.B. SunTrust Banks, Inc.
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.6	9.5	9.0
Common equity tier 1 ratio (%)	n.a.	n.a.	9.2
Tier 1 capital ratio (%)	10.5	10.7	10.0
Total risk-based capital ratio (%)	12.3	12.4	11.9
Tier 1 leverage ratio (%)	9.5	9.6	8.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.29.A. U.S. Bancorp
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.5	9.1	7.3
Common equity tier 1 ratio (%)	9.7	9.6	6.8
Tier 1 capital ratio (%)	11.3	11.3	8.5
Total risk-based capital ratio (%)	13.6	13.6	10.7
Tier 1 leverage ratio (%)	9.4	9.0	7.1

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.29.B. U.S. Bancorp
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	9.5	9.3	9.0
Common equity tier 1 ratio (%)	9.7	9.7	7.9
Tier 1 capital ratio (%)	11.3	11.4	9.6
Total risk-based capital ratio (%)	13.6	13.7	11.6
Tier 1 leverage ratio (%)	9.4	9.1	7.9

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.30.A. Wells Fargo & Company
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.8	9.7	6.2
Common equity tier 1 ratio (%)	11.1	10.3	5.5
Tier 1 capital ratio (%)	12.6	11.7	7.1
Total risk-based capital ratio (%)	15.6	15.0	10.5
Tier 1 leverage ratio (%)	9.6	8.9	5.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.30.B. Wells Fargo & Company
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	10.8	10.2	8.7
Common equity tier 1 ratio (%)	11.1	10.5	7.0
Tier 1 capital ratio (%)	12.6	12.0	8.6
Total risk-based capital ratio (%)	15.6	15.2	11.6
Tier 1 leverage ratio (%)	9.6	9.0	6.6

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for advanced approaches BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	4 percent	4.5 percent
Tier 1 risk-based capital ratio	5.5 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

Table A.31.A. Zions Bancorporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Severely adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.9	11.2	5.1
Common equity tier 1 ratio (%)	n.a.	n.a.	5.9
Tier 1 capital ratio (%)	14.4	13.8	6.6
Total risk-based capital ratio (%)	16.3	15.6	8.8
Tier 1 leverage ratio (%)	11.9	11.2	5.4

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

Table A.31.B. Zions Bancorporation
Minimum regulatory capital ratios and tier 1 common ratio, actual 2014:Q3 and projected 2014:Q4 to 2016:Q4
Federal Reserve estimates: Adverse scenario

Actual 2014:Q3 and projected capital ratios through 2016:Q4

	Actual 2014:Q3	Minimum stressed ratios with original planned capital actions		Minimum stressed ratios with adjusted planned capital actions
		2014:Q4	2015-16	2014:Q4	2015-16
Tier 1 common ratio (%)	11.9	11.6	10.4
Common equity tier 1 ratio (%)	n.a.	n.a.	10.2
Tier 1 capital ratio (%)	14.4	14.1	11.7
Total risk-based capital ratio (%)	16.3	15.9	13.7
Tier 1 leverage ratio (%)	11.9	11.5	9.3

Note: These projections represent hypothetical estimates that involve an economic outcome that is more adverse than expected. These estimates are not forecasts of capital ratios. The table includes the minimum ratios assuming the capital actions originally submitted in January 2015 by the BHCs in their annual capital plans and the minimum ratios incorporating any adjustments to capital distributions made by BHCs after reviewing the Federal Reserve's stress test projections and original planned capital distributions for those BHCs that did not make adjustments. The minimum capital ratios are for the period 2014:Q4 to 2016:Q4 and do not necessarily occur in the same quarter.

Required minimum capital ratios for other BHCs in CCAR 2015

Regulatory ratio	2014:Q4	2015-16
Tier 1 common ratio	5 percent	5 percent
Common equity tier 1 ratio	n.a.	4.5 percent
Tier 1 risk-based capital ratio	4 percent	6 percent
Total risk-based capital ratio	8 percent	8 percent
Tier 1 leverage ratio	3 or 4 percent	4 percent

Note: For purposes of CCAR 2015, 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, 2014. See 12 CFR 217.100(b)(1). Other BHCs include any BHC that is subject to 12 CFR 225.8 and is not an advanced approaches BHC.
The tier 1 common ratio is calculated using the definitions of tier 1 capital and total risk-weighted assets in 12 CFR part 225, appendixes A and E. All other ratios are calculated in accordance with the transition arrangements provided in the Board's revised regulatory capital framework. See 12 CFR 217.

n.a. Not applicable.

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