| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The following table shows the regulatory capital ratios as of the dates indicated: | | | | | | | | | | | | | | | | | | | Bancorp | Actual | | For Capital Adequacy Purposes | | Well Capitalized Under Prompt Corrective Action Provisions | | Amount | Ratio | | Amount | Ratio | | Amount | Ratio | | (Dollars in millions) | June 30, 2016 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,514 |
| 11.59 | % | | N/A |
| N/A |
| | N/A |
| N/A |
| Tier 1 capital (to adjusted tangible assets) | 1,514 |
| 11.59 | % | | $ | 523 |
| 4.0 | % | | $ | 653 |
| 5.0 | % | Common equity Tier 1 capital (to RWA) | 1,086 |
| 13.55 | % | | 361 |
| 4.5 | % | | 521 |
| 6.5 | % | Tier 1 capital (to risk-weighted assets) | 1,514 |
| 18.89 | % | | 481 |
| 6.0 | % | | 642 |
| 8.0 | % | Total capital (to risk-weighted assets) | 1,618 |
| 20.19 | % | | 642 |
| 8.0 | % | | 802 |
| 10.0 | % | December 31, 2015 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,435 |
| 11.51 | % | | N/A |
| N/A |
| | N/A |
| N/A |
| Tier 1 capital (to adjusted tangible assets) | 1,435 |
| 11.51 | % | | $ | 499 |
| 4.0 | % | | $ | 624 |
| 5.0 | % | Common equity Tier 1 capital (to RWA) | 1,065 |
| 14.09 | % | | 340 |
| 4.5 | % | | 491 |
| 6.5 | % | Tier 1 capital (to risk-weighted assets) | 1,435 |
| 18.98 | % | | 454 |
| 6.0 | % | | 605 |
| 8.0 | % | Total capital (to risk-weighted assets) | 1,534 |
| 20.28 | % | | 605 |
| 8.0 | % | | 756 |
| 10.0 | % |
N/A - Not applicable | | | | | | | | | | | | | | | | | | | Bank | Actual | | For Capital Adequacy Purposes | | Well Capitalized Under Prompt Corrective Action Provisions | | Amount | Ratio | | Amount | Ratio | | Amount | Ratio | | (Dollars in millions) | June 30, 2016 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,576 |
| 12.03 | % | | N/A |
| N/A |
| | N/A |
| N/A |
| Tier 1 capital (to adjusted tangible assets) | 1,576 |
| 12.03 | % | | $ | 524 |
| 4.0 | % | | $ | 655 |
| 5.0 | % | Common equity tier 1 capital (to RWA) | 1,576 |
| 19.58 | % | | 362 |
| 4.5 | % | | 524 |
| 6.5 | % | Tier 1 capital (to risk-weighted assets) | 1,576 |
| 19.58 | % | | 483 |
| 6.0 | % | | 644 |
| 8.0 | % | Total capital (to risk-weighted assets) | 1,679 |
| 20.86 | % | | 644 |
| 8.0 | % | | 806 |
| 10.0 | % | December 31, 2015 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,472 |
| 11.79 | % | | N/A |
| N/A |
| | N/A |
| N/A |
| Tier 1 capital (to adjusted tangible assets) | 1,472 |
| 11.79 | % | | $ | 500 |
| 4.0 | % | | $ | 625 |
| 5.0 | % | Common equity tier 1 capital (to RWA) | 1,472 |
| 19.42 | % | | 341 |
| 4.5 | % | | 493 |
| 6.5 | % | Tier 1 capital (to risk-weighted assets) | 1,472 |
| 19.42 | % | | 455 |
| 6.0 | % | | 607 |
| 8.0 | % | Total capital (to risk-weighted assets) | 1,570 |
| 20.71 | % | | 607 |
| 8.0 | % | | 758 |
| 10.0 | % |
N/A - Not applicable |
The following tables show the regulatory capital ratios as of the dates indicated. | | | | | | | | | | | | | | | | | | | Bancorp | Actual | | For Capital Adequacy Purposes | | Well Capitalized Under Prompt Corrective Action Provisions | | Amount | Ratio | | Amount | Ratio | | Amount | Ratio | | (Dollars in millions) | December 31, 2015 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,435 |
| 11.51 | % | | N/A |
| N/A |
| | N/A |
| N/A |
| Tier 1 capital (to adjusted tangible assets) | 1,435 |
| 11.51 | % | | $ | 499 |
| 4.0 | % | | $ | 624 |
| 5.0 | % | Common equity Tier 1 capital (to RWA) | 1,065 |
| 14.09 | % | | 340 |
| 4.5 | % | | 491 |
| 6.5 | % | Tier 1 capital (to risk weighted assets) | 1,435 |
| 18.98 | % | | 454 |
| 6.0 | % | | 605 |
| 8.0 | % | Total capital (to risk weighted assets) | 1,534 |
| 20.28 | % | | 605 |
| 8.0 | % | | 756 |
| 10.0 | % | December 31, 2014 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,184 |
| 12.59 | % | | N/A | N/A | | N/A | N/A | Tier 1 capital (to adjusted tangible assets) | 1,184 |
| 12.59 | % | | $ | 376 |
| 4.0 | % | | $ | 470 |
| 5.0 | % | Tier 1 capital (to risk weighted assets) | 1,184 |
| 22.81 | % | | 208 |
| 4.0 | % | | 311 |
| 6.0 | % | Total capital (to risk weighted assets) | 1,252 |
| 24.12 | % | | 415 |
| 8.0 | % | | 519 |
| 10.0 | % |
N/A - Not applicable. | | (1) | On January 1, 2015, the Basel III rules became effective, subject to transition provisions primarily related to regulatory deductions and adjustments impacting common equity Tier 1 capital and Tier 1 capital. The Company and the Bank reported under Basel I (which included the Market Risk Final Rules) at December 31, 2014. |
| | | | | | | | | | | | | | | | | | | Bank | Actual | | For Capital Adequacy Purposes | | Well Capitalized Under Prompt Corrective Action Provisions | | Amount | Ratio | | Amount | Ratio | | Amount | Ratio | | (Dollars in millions) | December 31, 2015 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,472 |
| 11.79 | % | | N/A |
| N/A |
| | N/A |
| N/A |
| Tier 1 capital (to adjusted tangible assets) | 1,472 |
| 11.79 | % | | $ | 500 |
| 4.0 | % | | $ | 625 |
| 5.0 | % | Common equity Tier 1 capital (to RWA) | 1,472 |
| 19.42 | % | | 341 |
| 4.5 | % | | 493 |
| 6.5 | % | Tier 1 capital (to risk weighted assets) | 1,472 |
| 19.42 | % | | 455 |
| 6.0 | % | | 607 |
| 8.0 | % | Total capital (to risk weighted assets) | 1,570 |
| 20.71 | % | | 607 |
| 8.0 | % | | 758 |
| 10.0 | % | December 31, 2014 | | | | | | | | | Tangible capital (to tangible assets) | $ | 1,167 |
| 12.43 | % | | N/A | N/A | | N/A | N/A | Tier 1 capital (to adjusted tangible assets) | 1,167 |
| 12.43 | % | | $ | 376 |
| 4.0 | % | | $ | 470 |
| 5.0 | % | Tier 1 capital (to risk weighted assets) | 1,167 |
| 22.54 | % | | 207 |
| 4.0 | % | | 311 |
| 6.0 | % | Total capital (to risk weighted assets) | 1,235 |
| 23.85 | % | | 414 |
| 8.0 | % | | 518 |
| 10.0 | % |
N/A - Not applicable. | | (1) | On January 1, 2015, the Basel III rules became effective, subject to transition provisions primarily related to regulatory deductions and adjustments impacting common equity Tier 1 capital and Tier 1 capital. The Company and the Bank reported under Basel I (which included the Market Risk Final Rules) at December 31, 2014. |
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