Basic EPS is the amount of earnings, adjusted for preferred stock dividends and the impact of issuance costs associated with preferred stock redemptions, available to each share of common stock outstanding during the reporting period. Diluted EPS is the amount of earnings available to each share of common stock outstanding during the reporting period adjusted to include the effect of potentially dilutive common shares, which include incremental shares issued for share-based payment awards. Potentially dilutive common shares are excluded from the computation of diluted EPS in periods in which the effect would be antidilutive.


	Three Months Ended June 30,		Six Months Ended June 30,
(dollars in millions, except per share data)	2026	2025	2026	2025
Numerator (basic and diluted):
Net income	$587	$436	$1,104	$809
Less: Preferred stock dividends	33	34	66	67

Net income available to common stockholders	$554	$402	$1,038	$742
Denominator:
Weighted-average common shares outstanding - basic	422,871,137	433,640,210	424,100,982	435,967,554
Dilutive common shares: share-based awards	3,810,711	2,899,564	4,173,096	3,375,149
Weighted-average common shares outstanding - diluted	426,681,848	436,539,774	428,274,078	439,342,703
Earnings per common share:
Basic	$1.31	$0.93	$2.45	$1.70
Diluted(1)	1.30	0.92	2.42	1.69

(1) Excluded from the computation of diluted EPS were weighted-average antidilutive shares totaling 4,655 and 1,703,819 for the three months ended June 30, 2026 and 2025, respectively, and 5,077 and 1,144,513 for the six months ended June 30, 2026 and 2025, respectively.