PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
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Allowance for Credit Losses by Loan Class
The following table summarizes our ACL related to loans:
Table 24: Allowance for Credit Losses by Loan Class (a)
| December 31, 2025 · December 31, 2024 | ||||||||
|---|---|---|---|---|---|---|---|---|
| Dollars in millions · Allowance Amount · Total Loans · % of Total Loans · Allowance Amount · Total Loans · % of Total Loans | ||||||||
| Allowance for loans and lease losses | ||||||||
| Commercial | ||||||||
| Commercial and industrial | $1,947 | $195,723 | 0.99% | $1,605 | $175,790 | 0.91% | ||
| Commercial real estate | 1,057 | 29,565 | 3.58% | 1,483 | 33,619 | 4.41% | ||
| Equipment lease financing | 85 | 7,175 | 1.18% | 60 | 6,755 | 0.89% | ||
| Total commercial | 3,089 | 232,463 | 1.33% | 3,148 | 216,164 | 1.46% | ||
| Consumer | ||||||||
| Residential real estate | 44 | 43,760 | 0.10% | 37 | 46,415 | 0.08% | ||
| Home equity | 271 | 25,941 | 1.04% | 266 | 25,991 | 1.02% | ||
| Automobile | 158 | 16,591 | 0.95% | 160 | 15,355 | 1.04% | ||
| Credit card | 632 | 7,014 | 9.01% | 664 | 6,879 | 9.65% | ||
| Education | 42 | 1,468 | 2.86% | 48 | 1,636 | 2.93% | ||
| Other consumer | 174 | 4,244 | 4.10% | 163 | 4,027 | 4.05% | ||
| Total consumer | 1,321 | 99,018 | 1.33% | 1,338 | 100,303 | 1.33% | ||
| Total | $4,410 | $331,481 | 1.33% | $4,486 | $316,467 | 1.42% | ||
| Allowance for unfunded lending related commitments | 818 | 719 | ||||||
| Allowance for credit losses | $5,228 | $5,205 | ||||||
| Allowance for credit losses to total loans | 1.58% | 1.64% | ||||||
| Commercial | 1.62% | 1.72% | ||||||
| Consumer | 1.47% | 1.47% | ||||||
(a) Excludes allowances for investment securities and other financial assets, which together totaled $99 million and $114 million at December 31, 2025 and 2024, respectively.
62 The PNC Financial Services Group, Inc. –2025 Form 10-K
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