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Comprehensive income | 9 Months Ended
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Sep. 30, 2025
Equity [Abstract] |
Comprehensive income | 10. Comprehensive income The following table displays the components of other comprehensive income (loss) and amounts reclassified from accumulated other comprehensive income (loss) to net income during the three-month periods ended September 30, 2025 and 2024:
(Dollars in millions) | Investment Securities |  | Cash Flow Hedges |  | Defined Benefit Plans |  | Other |  | Total Amount Before Tax |  | Income Tax |  | Net
Balance — July 1, 2025 | $ | 82 |  |  | $ | 85 |  |  | $ | 127 |  |  | $ | (5) |  |  | $ | 289 |  |  | $ | (74) |  |  | $ | 215 |
Other comprehensive income (loss) before reclassifications: |  |  |  |  |  |  |  |  |  |  |  |  |
Unrealized holding gains, net | 81 |  |  | — |  |  | — |  |  | — |  |  | 81 |  |  | (21) |  |  | 60 |
Unrealized losses, net | — |  |  | (16) |  |  | — |  |  | — |  |  | (16) |  |  | 3 |  |  | (13) |
Other | — |  |  | — |  |  | — |  |  | (1) |  |  | (1) |  |  | — |  |  | (1) |
Total other comprehensive income (loss) before reclassifications | 81 |  |  | (16) |  |  | — |  |  | (1) |  |  | 64 |  |  | (18) |  |  | 46 |
Amounts reclassified from accumulated other comprehensive income (loss) that (increase) decrease net income: |  |  |  |  |  |  |  |  |  |  |  |  |
Net yield adjustment from cash flow hedges currently in effect | — |  |  | 22 |  |  | — |  |  | — |  |  | 22 |  | (a) | (4) |  |  | 18 |
Amortization of prior service credit and actuarial gains | — |  |  | — |  |  | (2) |  |  | — |  |  | (2) |  | (b) | — |  |  | (2) |
Total other comprehensive income (loss) | 81 |  |  | 6 |  |  | (2) |  |  | (1) |  |  | 84 |  |  | (22) |  |  | 62 |
Balance — September 30, 2025 | $ | 163 |  |  | $ | 91 |  |  | $ | 125 |  |  | $ | (6) |  |  | $ | 373 |  |  | $ | (96) |  |  | $ | 277 |
Balance — July 1, 2024 | $ | (239) |  |  | $ | (330) |  |  | $ | (158) |  |  | $ | (9) |  |  | $ | (736) |  |  | $ | 185 |  |  | $ | (551) |
Other comprehensive income (loss) before reclassifications: |  |  |  |  |  |  |  |  |  |  |  |  |
Unrealized holding gains, net | 308 |  |  | — |  |  | — |  |  | — |  |  | 308 |  |  | (78) |  |  | 230 |
Unrealized gains, net | — |  |  | 287 |  |  | — |  |  | — |  |  | 287 |  |  | (71) |  |  | 216 |
Other | — |  |  | — |  |  | — |  |  | 5 |  |  | 5 |  |  | (1) |  |  | 4 |
Total other comprehensive income (loss) before reclassifications | 308 |  |  | 287 |  |  | — |  |  | 5 |  |  | 600 |  |  | (150) |  |  | 450 |
Amounts reclassified from accumulated other comprehensive income (loss) that (increase) decrease net income: |  |  |  |  |  |  |  |  |  |  |  |  |
Net yield adjustment from cash flow hedges currently in effect | — |  |  | 102 |  |  | — |  |  | — |  |  | 102 |  | (a) | (27) |  |  | 75 |
Amortization of prior service credit and actuarial gains | — |  |  | — |  |  | (2) |  |  | — |  |  | (2) |  | (b) | 1 |  |  | (1) |
Total other comprehensive income (loss) | 308 |  |  | 389 |  |  | (2) |  |  | 5 |  |  | 700 |  |  | (176) |  |  | 524 |
Balance — September 30, 2024 | $ | 69 |  |  | $ | 59 |  |  | $ | (160) |  |  | $ | (4) |  |  | $ | (36) |  |  | $ | 9 |  |  | $ | (27) |
(a)Included in Interest income in the Company's Consolidated Statement of Income. (b)Included in Other costs of operations in the Company's Consolidated Statement of Income. Accumulated other comprehensive income (loss), net during the three-month periods ended September 30, 2025 and 2024 consisted of the following:
(Dollars in millions) | Investment Securities |  | Cash Flow Hedges |  | Defined Benefit Plans |  | Other |  | Total
Balance — July 1, 2025 | $ | 61 |  |  | $ | 63 |  |  | $ | 95 |  |  | $ | (4) |  |  | $ | 215 |
Net gain (loss) during period | 60 |  |  | 5 |  |  | (2) |  |  | (1) |  |  | 62 |
Balance — September 30, 2025 | $ | 121 |  |  | $ | 68 |  |  | $ | 93 |  |  | $ | (5) |  |  | $ | 277 |
Balance — July 1, 2024 | $ | (179) |  |  | $ | (246) |  |  | $ | (118) |  |  | $ | (8) |  |  | $ | (551) |
Net gain (loss) during period | 230 |  |  | 291 |  |  | (1) |  |  | 4 |  |  | 524 |
Balance — September 30, 2024 | $ | 51 |  |  | $ | 45 |  |  | $ | (119) |  |  | $ | (4) |  |  | $ | (27) |
The following table displays the components of other comprehensive income (loss) and amounts reclassified from accumulated other comprehensive income (loss) to net income during the nine-month periods ended September 30, 2025 and 2024:
(Dollars in millions) | Investment Securities |  | Cash Flow Hedges |  | Defined Benefit Plans |  | Other |  | Total Amount Before Tax |  | Income Tax |  | Net
Balance — January 1, 2025 | $ | (205) |  |  | $ | (135) |  |  | $ | 131 |  |  | $ | (10) |  |  | $ | (219) |  |  | $ | 55 |  |  | $ | (164) |
Other comprehensive income (loss) before reclassifications: |  |  |  |  |  |  |  |  |  |  |  |  |
Unrealized holding gains, net | 368 |  |  | — |  |  | — |  |  | — |  |  | 368 |  |  | (94) |  |  | 274 |
Unrealized gains, net | — |  |  | 118 |  |  | — |  |  | — |  |  | 118 |  |  | (31) |  |  | 87 |
Other | — |  |  | — |  |  | — |  |  | 4 |  |  | 4 |  |  | (1) |  |  | 3 |
Total other comprehensive income (loss) before reclassifications | 368 |  |  | 118 |  |  | — |  |  | 4 |  |  | 490 |  |  | (126) |  |  | 364 |
Amounts reclassified from accumulated other comprehensive income (loss) that (increase) decrease net income: |  |  |  |  |  |  |  |  |  |  |  |  |
Net yield adjustment from cash flow hedges currently in effect | — |  |  | 108 |  |  | — |  |  | — |  |  | 108 |  | (a) | (26) |  |  | 82 |
Amortization of prior service credit and actuarial gains | — |  |  | — |  |  | (6) |  |  | — |  |  | (6) |  | (b) | 1 |  |  | (5) |
Total other comprehensive income (loss) | 368 |  |  | 226 |  |  | (6) |  |  | 4 |  |  | 592 |  |  | (151) |  |  | 441 |
Balance — September 30, 2025 | $ | 163 |  |  | $ | 91 |  |  | $ | 125 |  |  | $ | (6) |  |  | $ | 373 |  |  | $ | (96) |  |  | $ | 277 |
Balance — January 1, 2024 | $ | (251) |  |  | $ | (203) |  |  | $ | (155) |  |  | $ | (7) |  |  | $ | (616) |  |  | $ | 157 |  |  | $ | (459) |
Other comprehensive income (loss) before reclassifications: |  |  |  |  |  |  |  |  |  |  |  |  |
Unrealized holding gains, net | 307 |  |  | — |  |  | — |  |  | — |  |  | 307 |  |  | (78) |  |  | 229 |
Unrealized losses, net | — |  |  | (26) |  |  | — |  |  | — |  |  | (26) |  |  | 7 |  |  | (19) |
Other | — |  |  | — |  |  | — |  |  | 3 |  |  | 3 |  |  | (1) |  |  | 2 |
Total other comprehensive income (loss) before reclassifications | 307 |  |  | (26) |  |  | — |  |  | 3 |  |  | 284 |  |  | (72) |  |  | 212 |
Amounts reclassified from accumulated other comprehensive income (loss) that (increase) decrease net income: |  |  |  |  |  |  |  |  |  |  |  |  |
Net losses realized in net income | 13 |  |  | — |  |  | — |  |  | — |  |  | 13 |  | (c) | (4) |  |  | 9 |
Net yield adjustment from cash flow hedges currently in effect | — |  |  | 288 |  |  | — |  |  | — |  |  | 288 |  | (a) | (73) |  |  | 215 |
Amortization of prior service credit and actuarial gains | — |  |  | — |  |  | (5) |  |  | — |  |  | (5) |  | (b) | 1 |  |  | (4) |
Total other comprehensive income (loss) | 320 |  |  | 262 |  |  | (5) |  |  | 3 |  |  | 580 |  |  | (148) |  |  | 432 |
Balance — September 30, 2024 | $ | 69 |  |  | $ | 59 |  |  | $ | (160) |  |  | $ | (4) |  |  | $ | (36) |  |  | $ | 9 |  |  | $ | (27) |
(a)Included in Interest income in the Company's Consolidated Statement of Income. (b)Included in Other costs of operations in the Company's Consolidated Statement of Income. (c)Included in Gain (loss) on bank investment securities in the Company's Consolidated Statement of Income. Accumulated other comprehensive income (loss), net during the nine-month periods ended September 30, 2025 and 2024 consisted of the following:
(Dollars in millions) | Investment Securities |  | Cash Flow Hedges |  | Defined Benefit Plans |  | Other |  | Total
Balance — January 1, 2025 | $ | (153) |  |  | $ | (101) |  |  | $ | 98 |  |  | $ | (8) |  |  | $ | (164) |
Net gain (loss) during period | 274 |  |  | 169 |  |  | (5) |  |  | 3 |  |  | 441 |
Balance — September 30, 2025 | $ | 121 |  |  | $ | 68 |  |  | $ | 93 |  |  | $ | (5) |  |  | $ | 277 |
Balance — January 1, 2024 | $ | (187) |  |  | $ | (151) |  |  | $ | (115) |  |  | $ | (6) |  |  | $ | (459) |
Net gain (loss) during period | 238 |  |  | 196 |  |  | (4) |  |  | 2 |  |  | 432 |
Balance — September 30, 2024 | $ | 51 |  |  | $ | 45 |  |  | $ | (119) |  |  | $ | (4) |  |  | $ | (27) |

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- Definition The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 944 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-04(19)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03(21)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(23)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 220 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org/220/tableOfContent + Details
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