EARNINGS PER SHARE (Tables)

6 Months Ended

Jun. 30, 2025

Earnings Per Share [Abstract]

Schedule of earnings per share

The following table presents the calculation of basic and diluted EPS:

	Three Months Ended June 30,		Six Months Ended June 30,
(dollars in millions, except per share data)	2025	2024	2025	2024
Numerator (basic and diluted):
Net income	$436	$392	$809	$726
Less: Preferred stock dividends	34	35	67	65
Net income available to common stockholders	$402	$357	$742	$661
Denominator:
Weighted-average common shares outstanding - basic	433,640,210	454,142,489	435,967,554	457,750,585
Dilutive common shares: share-based awards	2,899,564	2,418,533	3,375,149	2,258,961
Weighted-average common shares outstanding - diluted	436,539,774	456,561,022	439,342,703	460,009,546
Earnings per common share:
Basic	$0.93	$0.79	$1.70	$1.44
Diluted(1)	0.92	0.78	1.69	1.44

(1) Excluded from the computation of diluted EPS were weighted-average antidilutive shares totaling 1,703,819 and 1,206,158 for the three months ended June 30, 2025 and 2024, respectively, and 1,144,513 and 1,318,088 for the six months ended June 30, 2025 and 2024, respectively.