Regulatory Capital Requirements and Capital Ratios

12 Months Ended

Dec. 31, 2017

Regulatory Capital Requirements and Capital Ratios

Regulatory Capital Requirements and Capital Ratios

28. REGULATORYCAPITAL REQUIREMENTS AND CAPITAL RATIOS

The Board of Governors of the Federal Reserve System issued capital adequacy guidelines pursuant to which it assesses the adequacy of capital in examining and supervising a BHC and in analyzing applications to it under the BHCA of 1956, as amended. These guidelines include quantitative measures that assign risk weightings to assets and off-balance sheet items, as well as define and set minimum regulatory capital requirements. The regulatory capital requirements were revised by the Basel III Final Rule which was effective for the Bancorp on January 1, 2015, subject to phase-in periods for certain of its components and other provisions. It established quantitative measures defining minimum regulatory capital requirements as well as the measure of “well-capitalized” status. Additionally, the Board of Governors of the Federal Reserve System issued similar guidelines for minimum regulatory capital requirements and “well-capitalized” measurements for banking subsidiaries.

Quarterly average assets are a component of the Tier I leverage ratio and for this purpose do not include goodwill and any other intangible assets and other investments that the FRB determines should be deducted from Tier I capital.

The following table presents capital and risk-based capital and leverage ratios for the Bancorp and its banking subsidiary at December 31:
	2017				2016
($ in millions)		Amount	Ratio			Amount	Ratio
CET1 capital (to risk-weighted assets):
Fifth Third Bancorp	$	12,517	10.61	%	$	12,426	10.39	%
Fifth Third Bank		14,008	12.06			14,015	11.92
Tier I risk-based capital (to risk-weighted assets):
Fifth Third Bancorp		13,848	11.74			13,756	11.50
Fifth Third Bank		14,008	12.06			14,015	11.92
Total risk-based capital (to risk-weighted assets):
Fifth Third Bancorp		17,887	15.16			17,972	15.02
Fifth Third Bank		16,126	13.88			16,175	13.76
Tier I leverage (to quarterly average assets):
Fifth Third Bancorp		13,848	10.01			13,756	9.90
Fifth Third Bank		14,008	10.32			14,015	10.30