. reflecting the transitional provisions that became effective january 1 , 2014 , our estimated basel iii advanced cet1 ratio and our estimated standardized cet1 ratio are approximately 150 basis points higher than the respective cet1 ratios on a fully phased-in basis as of december 2013 . effective january 1 , 2014 , group inc . 2019s capital and leverage ratios are calculated under , and subject to the minimums as defined in , the revised capital framework