v3.26.3
MODERNIZATION (Tables)
9 Months Ended
Sep. 30, 2026
Modernization [Abstract]  
Schedule of Modernization Costs
The following table shows the composition of our Modernization expense.
Three Months EndedNine Months Ended
($ in millions)September 30, 2026September 30, 2025September 30, 2026September 30, 2025
Advisory services
$— $21 $(1)$52 
Consulting (implementation)
5 11 18 18 
Transition costs
1 14 6 15 
Technology
2 5 9 7 
Other
(2)2 — 5 
$6 $53 $32 $97 
Schedule of Modernization Reserve
The following table presents the activity for liabilities on our Balance Sheet related to our Modernization efforts.
($ in millions)
Balance at December 31, 2025
$26 
Modernization expenses
36 
Cash payments(40)
Other(4)
Balance at September 30, 2026
$18