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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Commercial FDMs
The following table presents the amortized cost basis, as of the period end date, of commercial FDMs granted during the year ended December 31:
Table 51: Commercial FDMs (a) (b)
| Year ended December 31Dollars in millions | Interest Rate Reduction | Term Extension | Payment Delay | Interest Rate Reduction and Payment Delay | Interest Rate Reduction and Term Extension | Payment Delay and Term Extension | Interest Rate Reduction, Payment Delay and Term Extension | Other | Total | % of Loan Class |
|---|---|---|---|---|---|---|---|---|---|---|
| Commercial and industrial | $— | $1,414 | $20 | $— | $26 | $60 | $12 | $383 | $1,915 | 0.98% |
| Commercial real estate | — | 1,024 | 29 | — | 27 | — | — | 14 | 1,094 | 3.70% |
| Total commercial | $— | $2,438 | $49 | $— | $53 | $60 | $12 | $397 | $3,009 | 1.29% |
| Commercial and industrial | $14 | $995 | $34 | $15 | $111 | $154 | $— | $106 | $1,429 | 0.81% |
| Commercial real estate | — | 964 | 94 | — | — | 232 | — | — | 1,290 | 3.84% |
| Equipment lease financing | — | 2 | — | — | — | — | — | — | 2 | 0.03% |
| Total commercial | $14 | $1,961 | $128 | $15 | $111 | $386 | $— | $106 | $2,721 | 1.26% |
| Commercial and industrial | $13 | $683 | $65 | $14 | $18 | $156 | $— | $150 | $1,099 | 0.62% |
| Commercial real estate | 47 | 816 | — | — | — | 17 | — | 87 | 967 | 2.73% |
| Total commercial | $60 | $1,499 | $65 | $14 | $18 | $173 | $— | $237 | $2,066 | 0.94% |
(a)The unfunded lending related commitments on commercial FDMs granted during 2025, 2024 and 2023 were $1.0 billion, $0.9 billion and $0.4 billion, respectively.
(b)Excludes the amortized cost basis of modified loans that were paid off, charged-off or otherwise liquidated as of the period end date.
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