AOCI includes the after-tax change in unrecognized net costs related to defined benefit pension and OPEB plans as well as unrealized gains and losses on cash flow hedges, AFS securities, and HTM securities transferred from AFS securities.






(Dollars in millions)	Pension and OPEB Costs		Cash Flow Hedges		AFS Securities		HTM Securities		Other, net		Total
AOCI balance, January 1, 2023	$	(1,535)	$	(78)	$	(9,395)	$	(2,588)	$	(5)	$	(13,601)
OCI before reclassifications, net of tax	(26)		125		903		—		1		1,003

Amounts reclassified from AOCI:
Before tax	16		—		(65)		70		—		21
Tax effect	4		—		(15)		15		—		4
Amounts reclassified, net of tax	12		—		(50)		55		—		17
Total OCI, net of tax	(14)		125		853		55		1		1,020
AOCI balance, March 31, 2023	$	(1,549)	$	47	$	(8,542)	$	(2,533)	$	(4)	$	(12,581)
AOCI balance, January 1, 2024	$	(1,079)	$	(300)	$	(8,778)	$	(2,347)	$	(2)	$	(12,506)
OCI before reclassifications, net of tax	1		(232)		(455)		—		(2)		(688)

Amounts reclassified from AOCI:
Before tax	—		55		(158)		66		—		(37)
Tax effect	—		13		(37)		15		—		(9)
Amounts reclassified, net of tax	—		42		(121)		51		—		(28)
Total OCI, net of tax	1		(190)		(576)		51		(2)		(716)
AOCI balance, March 31, 2024	$	(1,078)	$	(490)	$	(9,354)	$	(2,296)	$	(4)	$	(13,222)