NOTE 6: RETIREMENT PLANS We sponsor programs that provide retirement benefits to most of our employees. These programs include defined benefit pension plans, defined contribution plans, and postretirement healthcare plans. Key terms of our retirement plans are provided in our Annual Report. Our retirement plans costs for the periods ended February 28, 2026 and 2025 were as follows (in millions): | | | | | | | | | | | | | | | | | | | | | | | |
| Three Months Ended | | Nine Months Ended |
| February 28, 2026 | | February 28, 2025 | | February 28, 2026 | | February 28, 2025 | | Defined benefit pension plans | $ | 47 | | | $ | 69 | | | $ | 140 | | | $ | 209 | | | Defined contribution plans | 327 | | | 278 | | | 945 | | | 853 | | | Postretirement healthcare plans | 22 | | | 22 | | | 67 | | | 65 | |
| $ | 396 | | | $ | 369 | | | $ | 1,152 | | | $ | 1,127 | |
Net periodic benefit cost of the pension and postretirement healthcare plans for the periods ended February 28, 2026 and 2025 included the following components (in millions): | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Three Months Ended |
| U.S. Pension Plans |
| International Pension Plans |
| Postretirement Healthcare Plans |
| 2026 |
| 2025 |
| 2026 | | 2025 |
| 2026 | | 2025 | Service cost | $ | 112 | |
| $ | 125 | |
| $ | 10 | |
| $ | 9 | |
| $ | 6 | |
| $ | 6 | | Other retirement plans expense (income): | | | | | | | | | | | | Interest cost | 378 | |
| 361 | |
| 12 | |
| 10 | |
| 17 | |
| 17 | | Expected return on plan assets | (457) | |
| (430) | |
| (6) | |
| (4) | |
| — | |
| — | | Amortization of prior service credit and other | (2) | |
| (2) | |
| — | |
| — | |
| (1) | |
| (1) | | | (81) | |
| (71) | |
| 6 | |
| 6 | |
| 16 | |
| 16 | | Net periodic benefit cost | $ | 31 | |
| $ | 54 | |
| $ | 16 | |
| $ | 15 | |
| $ | 22 | |
| $ | 22 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| Nine Months Ended | |
| U.S. Pension Plans |
| International Pension Plans |
| Postretirement Healthcare Plans | |
| 2026 |
| 2025 |
| 2026 |
| 2025 |
| 2026 |
| 2025 | | | Service cost | $ | 335 | |
| $ | 374 | |
| $ | 30 | |
| $ | 29 | |
| $ | 20 | |
| $ | 19 | | | | Other retirement plans expense (income): | |
| |
| |
| |
| |
| | | | Interest cost | 1,135 | |
| 1,085 | |
| 36 | |
| 32 | |
| 50 | |
| 49 | | | | Expected return on plan assets | (1,371) | |
| (1,290) | |
| (19) | |
| (16) | |
| — | |
| — | | | | Amortization of prior service credit and other | (6) | |
| (6) | |
| — | |
| 1 | |
| (3) | |
| (3) | | |
| (242) | |
| (211) | |
| 17 | |
| 17 | |
| 47 | |
| 46 | | | | Net periodic benefit cost | $ | 93 | |
| $ | 163 | |
| $ | 47 | |
| $ | 46 | |
| $ | 67 | |
| $ | 65 | | |
|