Regulatory Requirements (Tables)

12 Months Ended

Dec. 31, 2025

The BBA available capital, BBA capital requirement, and BBA ratio as of December 31, 2025 are as follows:


	(in millions, except percentages)
BBA available capital	$	4,144
BBA capital requirement	419
BBA ratio	989		%

To meet requirements for capital adequacy purposes or to be categorized as “well-capitalized,” Ameriprise Bank must maintain minimum CEIT, Tier 1 capital, Total capital and Tier 1 leverage amounts and ratios as set forth in the following table:


Regulatory Capital	Actual				Requirement for capital adequacy purposes				To be well capitalized under regulatory provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	(in millions, except percentages)
At December 31, 2025
Common equity Tier 1 capital	$	1,821	32.63	%	$	251	4.50	%	$	363	6.50	%
Tier 1 capital	1,821		32.63		335		6.00		447		8.00
Total capital	1,833		32.83		447		8.00		558		10.00
Tier 1 leverage	1,821		7.32		996		4.00		1,245		5.00

At December 31, 2024
Common equity Tier 1 capital	$	1,763	33.88	%	$	234	4.50	%	$	338	6.50	%
Tier 1 capital	1,763		33.88		312		6.00		416		8.00
Total capital	1,772		34.06		416		8.00		520		10.00
Tier 1 leverage	1,763		7.35		959		4.00		1,199		5.00

Actual capital and regulatory required capital determined in accordance with U.K. regulatory legislation are as follows:


	December 31,
	2025		2024
	(in millions)
Actual capital	$	471	$	692
Required capital	302		265

Summary of statutory net gain from operations and net income

Statutory net gain from operations and net income are summarized as follows:


	Years Ended December 31,
	2025		2024		2023
	(in millions)
RiverSource Life
Statutory net gain from operations	$	1,855	$	1,097	$	1,331
Statutory net income (loss)	1,101		(91)		845

Schedule of net capital position of broker-dealer companies

The following table presents the net capital position of both AEIS and AFS:


	December 31,
	2025			2024
	(in millions, except percentages)
AEIS
Net capital as a percent of aggregate debit items	9.85		%	9.49		%

Net capital	$	173		$	141
Less: required net capital	35			30
Excess net capital	$	138		$	111

AFS
Net capital	$	138		$	113
Less: required net capital	—			—
Excess net capital	$	138		$	113

- Definition

Tabular disclosure of how the entity's reporting under GAAP as of the balance sheet date differs from the results based on prescribed and permitted accounting practices of the state or country of domicile in which a relevant statutory filing is made, or differences in results based on the National Association of Insurance Commissioners (NAIC) prescribed practices, or a combination thereof. Describes the accounting practices used and the related monetary effect on statutory surplus, net income, and risk-based capital. If an insurance enterprise's risk-based capital would have triggered a regulatory event had it not used a permitted practice, that fact is disclosed in the financial statements. Permitted statutory accounting practices include practices not prescribed but allowed by the domiciliary state insurance department regulatory authority.

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