Table 18.1 presents the components of net periodic benefit cost. Service cost is reported in personnel expense and all other components of net periodic benefit cost are reported in other noninterest expense on our consolidated statement of income.


	2026				2025
	Pension benefits				Pension benefits
(in millions)	Qualified		Non- qualified	Other benefits	Qualified	Non- qualified	Other benefits
Quarter ended June 30,
Service cost	$	8	—	—	9	—	—
Interest cost	88		3	3	97	4	3
Expected return on plan assets	(117)		—	(7)	(123)	—	(7)
Amortization of net actuarial loss (gain)	33		—	(10)	34	—	(6)
Amortization of prior service credit	—		—	(2)	—	—	(2)

Net periodic benefit cost	$	12	3	(16)	17	4	(12)
Six months ended June 30,
Service cost	$	17	—	—	17	—	—
Interest cost	176		7	6	195	8	6
Expected return on plan assets	(235)		—	(14)	(246)	—	(14)
Amortization of net actuarial loss (gain)	64		1	(16)	67	1	(12)
Amortization of prior service credit	—		—	(4)	—	—	(5)


Net periodic benefit cost	$	22	8	(28)	33	9	(25)