The following schedule presents our capital amounts and ratios and the minimum requirements to be well capitalized under Basel III at December 31, 2025 and 2024:


	December 31, 2025				Minimum requirement to be “well capitalized”
(Dollar amounts in millions)	Amount		Ratio		Amount		Ratio
Basel III regulatory capital amounts and ratios
Common equity tier 1 capital (to risk-weighted assets)	$	7,936	11.5	%	$	4,494	6.5	%
Tier 1 risk-based capital (to risk-weighted assets)	8,003		11.6		5,531		8.0
Total risk-based capital (to risk-weighted assets)	9,510		13.8		6,914		10.0
Tier 1 leverage ratio	8,003		9.0		4,451		5.0


	December 31, 2024				Minimum requirement to be “well capitalized”
(Dollar amounts in millions)	Amount		Ratio		Amount		Ratio
Basel III regulatory capital amounts and ratios
Common equity tier 1 capital (to risk-weighted assets)	$	7,363	10.9	%	$	4,400	6.5	%
Tier 1 risk-based capital (to risk-weighted assets)	7,430		11.0		5,415		8.0
Total risk-based capital (to risk-weighted assets)	9,026		13.3		6,769		10.0
Tier 1 leverage ratio	7,430		8.3		4,454		5.0


	December 31, 2025
	Minimum capital requirement	Capital conservation buffer	Minimum capital ratio requirement with capital conservation buffer	Current capital ratio

CET1 to risk-weighted assets	4.5%	2.5%	7.0%	11.5%
Tier 1 risk-based capital (i.e., CET1 plus additional Tier 1 capital) to risk-weighted assets	6.0%	2.5%	8.5%	11.6%
Total risk-based capital (i.e., Tier 1 capital plus Tier 2 capital) to risk-weighted assets	8.0%	2.5%	10.5%	13.8%
Tier 1 leverage ratio (i.e., Tier 1 risk-based capital) to average consolidated assets	4.0%	N/A	4.0%	9.0%