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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Consumer FDMs
The following table presents information about our consumer FDMs:
Table 54: Consumer FDMs (a)(b)
| Year ended December 31Dollars in millions | 2025 | 2024 | 2023 |
|---|---|---|---|
| Modifications by type (c) | |||
| Payment delay | $149 | $97 | $105 |
| Repayment plan | 61 | 70 | 67 |
| Other (d) | 44 | 37 | 32 |
| Total consumer | $254 | $204 | $204 |
| Percentage of portfolio segment | 0.26% | 0.20% | 0.20% |
| Financial effects (c) (e) | |||
| Weighted-average payment delay (months) | 10 | 8 | 8 |
| Delinquency status (f) | |||
| Current or less than 30 days past due | $60 | $59 | $65 |
| 30-59 days past due | 4 | 6 | 6 |
| 60-89 days past due | 3 | 4 | 4 |
| 90 days or more past due | 7 | 7 | 7 |
| Nonperforming loans | 180 | 128 | 122 |
| Total | $254 | $204 | $204 |
(a)Represents amortized cost basis.
(b)The unfunded lending related commitments on consumer FDMs granted were immaterial during 2025, 2024, and 2023.
(c)Excludes the amortized cost basis and financial effect of modified loans that were paid off, charged-off or otherwise liquidated as of the period end date.
(d)Represents all other modifications and includes trial modifications and loans where we have received notification that a borrower has filed for Chapter 7 bankruptcy relief, but specific instructions as to the terms of the relief have not been formally ruled upon by the court.
(e)Repayment plans are excluded from financial effects because of varying terms offered in these plans. Credit card and unsecured lines of credit programs both offer short-term and fully-amortized repayment plans, impacting terms and interest rates. Home equity programs offer a fixed payment plan, establishing a modified monthly payment based primarily on the borrower’s financial situation and the current market environment.
(f)Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms.
120 The PNC Financial Services Group, Inc. –2025 Form 10-K
We generally consider FDMs to have subsequently defaulted when they become 60 days past due after the most recent date the loan
was modified. Consumer loans that were both (i) classified as FDMs, and (ii) subsequently defaulted during 2025, 2024, and 2023 were $92 million, $100 million and $59 million, respectively.
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