EARNINGS PER COMMON SHARE (Tables)

3 Months Ended

Mar. 31, 2025

Earnings Per Share [Abstract]

Schedule of Computation of Basic and Diluted Earnings Per Common Share

The following table sets forth the computation of basic and diluted earnings per common share:

TABLE 15.1

	Three Months Ended March 31,
(dollars in millions, except per share data)	2025		2024
Net income	$	117	$	122
Less: Preferred stock dividends	—		6
Net income available to common shareholders	$	117	$	116
Basic weighted average common shares outstanding	361,725,530		361,246,402
Net effect of dilutive stock options and restricted stock	1,343,074		1,372,876
Diluted weighted average common shares outstanding	363,068,604		362,619,278
Earnings per common share:
Basic	$	0.32	$	0.32
Diluted	$	0.32	$	0.32