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Loans and Related Allowance for Credit Losses | 9 Months Ended
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Sep. 30, 2021
Asset Quality [Abstract] |
Loans and Related Allowance for Credit Losses | LOANS A ND R ELATED A LLOWANCE F OR C REDIT L OSSES Loan Portfolio Our loan portfolio consists of two portfolio segments – Commercial and Consumer. Each of these segments comprises multiple loan classes. Classes are characterized by similarities in risk attributes and the manner in which we monitor and assess credit risk.
Commercial |  | Consumer
• Commercial and industrial |  | • Residential real estate
• Commercial real estate |  | • Home equity
• Equipment lease financing |  | • Automobile
|  | • Credit card
|  | • Education
|  | • Other consumer
See Note 1 Accounting Policies included in Item 8 of our 2020 Form 10-K for additional information on our loan related policies. Credit Quality We closely monitor economic conditions and loan performance trends to manage and evaluate our exposure to credit risk within the loan portfolio based on our defined loan classes. In doing so, we use several credit quality indicators, including trends in delinquency rates, nonperforming status, analysis of PD and LGD ratings, updated credit scores, and originated and updated LTV ratios. The measurement of delinquency status is based on the contractual terms of each loan. Loans that are 30 days or more past due in terms of payment are considered delinquent. Loan delinquencies include government insured or guaranteed loans, loans accounted for under the fair value option and PCD loans. Table 47 presents the composition and delinquency status of our loan portfolio at September 30, 2021 and December 31, 2020. Pursuant to the interagency guidance issued in April 2020 and in connection with the credit reporting rules from the CARES Act, the delinquency status of loans modified due to COVID-19 related hardships aligns with the rules set forth for banks to report delinquency status to the credit agencies. These rules require that COVID-19 related loan modifications be reported as follows: •if current at the time of modification, the loan remains current throughout the modification period, •if delinquent at the time of modification and the borrower was not made current as part of the modification, the loan maintains its reported delinquent status during the modification period, or •if delinquent at the time of modification and the borrower was made current as part of the modification or became current during the modification period, the loan is reported as current. As a result, certain loans modified due to COVID-19 related hardships are not being reported as past due as of September 30, 2021 and December 31, 2020 based on the contractual terms of the loan, even where borrowers may not be making payments on their loans during the modification period. Loan modifications due to COVID-19 related hardships that permanently reduce either the contractual interest rate or the principal balance of a loan do not qualify for TDR relief under the CARES Act or the interagency guidance. Table 47: Analysis of Loan Portfolio (a) (b)
| Accruing |  |  |  |  |  |  |
Dollars in millions | Current or Less Than 30 Days Past Due | 30-59 Days Past Due | 60-89 Days Past Due | 90 Days Or More Past Due | Total Past Due (c) |  | Nonperforming Loans | Fair Value Option Nonaccrual Loans (d) | Total Loans (e)(f) |  |  |
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 151,703 |  | $ | 97 |  | $ | 50 |  | $ | 56 |  | $ | 203 |  |  | $ | 829 |  |  | $ | 152,735 |  |  |  |
Commercial real estate | 35,749 |  | 68 |  | 2 |  | 11 |  | 81 |  |  | 365 |  |  | 36,195 |  |  |  |
Equipment lease financing | 6,238 |  | 5 |  | 4 |  |  | 9 |  |  | 10 |  |  | 6,257 |  |  |  |
Total commercial | 193,690 |  | 170 |  | 56 |  | 67 |  | 293 |  |  | 1,204 |  |  | 195,187 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 36,504 |  | 209 |  | 80 |  | 296 |  | 585 |  | (c) | 533 |  | $ | 592 |  | 38,214 |  |  |  |
Home equity | 23,719 |  | 45 |  | 18 |  |  | 63 |  |  | 592 |  | 105 |  | 24,479 |  |  |  |
Automobile | 16,940 |  | 114 |  | 23 |  | 4 |  | 141 |  |  | 184 |  |  | 17,265 |  |  |  |
Credit card | 6,337 |  | 42 |  | 27 |  | 53 |  | 122 |  |  | 7 |  |  | 6,466 |  |  |  |
Education | 2,521 |  | 45 |  | 26 |  | 61 |  | 132 |  | (c) |  |  | 2,653 |  |  |  |
Other consumer | 5,898 |  | 34 |  | 15 |  | 11 |  | 60 |  |  | 8 |  |  | 5,966 |  |  |  |
Total consumer | 91,919 |  | 489 |  | 189 |  | 425 |  | 1,103 |  |  | 1,324 |  | 697 |  | 95,043 |  |  |  |
Total | $ | 285,609 |  | $ | 659 |  | $ | 245 |  | $ | 492 |  | $ | 1,396 |  |  | $ | 2,528 |  | $ | 697 |  | $ | 290,230 |  |  |  |
Percentage of total loans | 98.41 | % | 0.23 | % | 0.08 | % | 0.17 | % | 0.48 | % |  | 0.87 | % | 0.24 | % | 100.00 | % |  |  |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 131,245 |  | $ | 106 |  | $ | 26 |  | $ | 30 |  | $ | 162 |  |  | $ | 666 |  |  | $ | 132,073 |  |  |  |
Commercial real estate | 28,485 |  | 6 |  | 1 |  |  | 7 |  |  | 224 |  |  | 28,716 |  |  |  |
Equipment lease financing | 6,345 |  | 31 |  | 5 |  |  | 36 |  |  | 33 |  |  | 6,414 |  |  |  |
Total commercial | 166,075 |  | 143 |  | 32 |  | 30 |  | 205 |  |  | 923 |  |  | 167,203 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 20,945 |  | 181 |  | 78 |  | 319 |  | 578 |  | (c) | 528 |  | $ | 509 |  | 22,560 |  |  |  |
Home equity | 23,318 |  | 50 |  | 21 |  |  | 71 |  |  | 645 |  | 54 |  | 24,088 |  |  |  |
Automobile | 13,863 |  | 134 |  | 34 |  | 12 |  | 180 |  |  | 175 |  |  | 14,218 |  |  |  |
Credit card | 6,074 |  | 43 |  | 30 |  | 60 |  | 133 |  |  | 8 |  |  | 6,215 |  |  |  |
Education | 2,785 |  | 55 |  | 29 |  | 77 |  | 161 |  | (c) |  |  | 2,946 |  |  |  |
Other consumer | 4,656 |  | 14 |  | 10 |  | 11 |  | 35 |  |  | 7 |  |  | 4,698 |  |  |  |
Total consumer | 71,641 |  | 477 |  | 202 |  | 479 |  | 1,158 |  |  | 1,363 |  | 563 |  | 74,725 |  |  |  |
Total | $ | 237,716 |  | $ | 620 |  | $ | 234 |  | $ | 509 |  | $ | 1,363 |  |  | $ | 2,286 |  | $ | 563 |  | $ | 241,928 |  |  |  |
Percentage of total loans | 98.27 | % | 0.26 | % | 0.10 | % | 0.21 | % | 0.56 | % |  | 0.94 | % | 0.23 | % | 100.00 | % |  |  |
(a)Amounts in table represent loans held for investment and do not include any associated valuation allowance. (b)The accrued interest associated with our loan portfolio totaled $0.8 billion and $0.7 billion at September 30, 2021 and December 31, 2020, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (c)Past due loan amounts include government insured or guaranteed Residential real estate loans and Education loans totaling $0.4 billion and $0.1 billion at September 30, 2021. Comparable amounts at December 31, 2020 were $0.4 billion and $0.2 billion. (d)Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population. (e)Includes unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans totaling $0.9 billion and $1.3 billion at September 30, 2021 and December 31, 2020, respectively. (f)Collateral dependent loans totaled $1.7 billion and $1.5 billion at September 30, 2021 and December 31, 2020, respectively. At September 30, 2021, we pledged $25.6 billion of commercial and other loans to the Federal Reserve Bank and $77.8 billion of residential real estate and other loans to the FHLB as collateral for the ability to borrow, if necessary. The comparable amounts at December 31, 2020 were $30.1 billion and $69.0 billion, respectively. Amounts pledged reflect the unpaid principal balances. Nonperforming Assets Nonperforming assets include nonperforming loans and leases, OREO and foreclosed assets. Nonperforming loans are those loans accounted for at amortized cost whose credit quality has deteriorated to the extent that full collection of contractual principal and interest is not probable and include nonperforming TDRs and PCD loans. Interest income is not recognized on these loans. Loans accounted for under the fair value option are reported as performing loans, however, when nonaccrual criteria is met interest income is not recognized on these loans. Additionally, certain government insured or guaranteed loans for which we expect to collect substantially all principal and interest are not reported as nonperforming loans and continue to accrue interest. See Note 1 Accounting Policies included in Item 8 of our 2020 Form 10-K for additional information on our nonperforming loan and lease policies. The following table presents our nonperforming assets as of September 30, 2021 and December 31, 2020 , respectively: Table 48: Nonperforming Assets
Dollars in millions |  | September 30 2021 |  | December 31 2020 |
Nonperforming loans |  |  |  |  |
Commercial |  | $ | 1,204 |  |  | $ | 923 |  |
Consumer (a) |  | 1,324 |  |  | 1,363 |  |
Total nonperforming loans (b) |  | 2,528 |  |  | 2,286 |  |
OREO and foreclosed assets |  | 31 |  |  | 51 |  |
Total nonperforming assets |  | $ | 2,559 |  |  | $ | 2,337 |  |
Nonperforming loans to total loans |  | 0.87 | % |  | 0.94 | % |
Nonperforming assets to total loans, OREO and foreclosed assets |  | 0.88 | % |  | 0.97 | % |
Nonperforming assets to total assets |  | 0.46 | % |  | 0.50 | % |
(a)Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status. (b)Nonperforming loans for which there is no related ALLL totaled $1.0 billion at September 30, 2021 and primarily include loans with a fair value of collateral that exceeds the amortized cost basis. The comparable amount at December 31, 2020 was $0.8 billion. Nonperforming loans include certain loans whose terms have been restructured in a manner that grants a concession to a borrower experiencing financial difficulties. In accordance with applicable accounting guidance, these loans are considered TDRs. See Note 1 Accounting Policies included in Item 8 of our 2020 Form 10-K and the Troubled Debt Restructurings section of this Note 4 for additional information on TDRs. Total nonperforming loans in Table 48 include TDRs of $0.8 billion and $0.9 billion at September 30, 2021 and December 31, 2020, respectively. TDRs that are performing, including consumer credit card TDR loans, are excluded from nonperforming loans and totaled $0.7 billion at both September 30, 2021 and December 31, 2020. Additional Credit Quality Indicators by Loan Class Commercial Loan Classes See Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2020 Form 10-K for additional information related to these loan classes, including discussion around the credit quality indicators that we use to monitor and manage the credit risk associated with each loan class. The following table presents credit quality indicators for the commercial loan classes: Table 49: Commercial Credit Quality Indicators (a)
| Term Loans by Origination Year |  |  |
September 30, 2021 - In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 23,953 |  | $ | 13,493 |  | $ | 12,681 |  | $ | 7,612 |  | $ | 7,144 |  | $ | 13,065 |  | $ | 66,452 |  | $ | 93 |  | $ | 144,493 |
Criticized | 254 |  | 487 |  | 878 |  | 906 |  | 517 |  | 997 |  | 4,176 |  | 27 |  | 8,242 |
Total commercial and industrial | 24,207 |  | 13,980 |  | 13,559 |  | 8,518 |  | 7,661 |  | 14,062 |  | 70,628 |  | 120 |  | 152,735 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 2,704 |  | 4,531 |  | 7,545 |  | 4,956 |  | 3,006 |  | 8,375 |  | 429 |  |  | 31,546 |
Criticized | 160 |  | 287 |  | 1,000 |  | 710 |  | 657 |  | 1,812 |  | 23 |  |  | 4,649 |
Total commercial real estate | 2,864 |  | 4,818 |  | 8,545 |  | 5,666 |  | 3,663 |  | 10,187 |  | 452 |  |  | 36,195 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 885 |  | 1,257 |  | 1,026 |  | 777 |  | 570 |  | 1,551 |  |  |  | 6,066 |
Criticized | 26 |  | 59 |  | 44 |  | 33 |  | 23 |  | 6 |  |  |  | 191 |
Total equipment lease financing | 911 |  | 1,316 |  | 1,070 |  | 810 |  | 593 |  | 1,557 |  |  |  | 6,257 |
Total commercial | $ | 27,982 |  | $ | 20,114 |  | $ | 23,174 |  | $ | 14,994 |  | $ | 11,917 |  | $ | 25,806 |  | $ | 71,080 |  | $ | 120 |  | $ | 195,187 |
| Term Loans by Origination Year |  |  |
December 31, 2020 - In millions | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 31,680 |  | $ | 13,340 |  | $ | 8,209 |  | $ | 5,956 |  | $ | 4,242 |  | $ | 7,141 |  | $ | 54,775 |  | $ | 53 |  | $ | 125,396 |
Criticized | 339 | 702 |  | 578 |  | 334 |  | 224 |  | 351 |  | 4,130 |  | 19 |  | 6,677 |
Total commercial and industrial | 32,019 |  | 14,042 |  | 8,787 |  | 6,290 |  | 4,466 |  | 7,492 |  | 58,905 |  | 72 |  | 132,073 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 3,709 |  | 6,268 |  | 3,426 |  | 2,841 |  | 2,341 |  | 6,792 |  | 218 |  |  | 25,595 |
Criticized | 319 |  | 548 |  | 148 |  | 423 |  | 400 |  | 1,159 |  | 124 |  |  | 3,121 |
Total commercial real estate | 4,028 |  | 6,816 |  | 3,574 |  | 3,264 |  | 2,741 |  | 7,951 |  | 342 |  |  | 28,716 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 1,429 |  | 1,202 |  | 942 |  | 738 |  | 405 |  | 1,350 |  |  |  | 6,066 |
Criticized | 78 |  | 92 |  | 86 |  | 39 |  | 22 |  | 31 |  |  |  | 348 |
Total equipment lease financing | 1,507 |  | 1,294 |  | 1,028 |  | 777 |  | 427 |  | 1,381 |  |  |  | 6,414 |
Total commercial | $ | 37,554 |  | $ | 22,152 |  | $ | 13,389 |  | $ | 10,331 |  | $ | 7,634 |  | $ | 16,824 |  | $ | 59,247 |  | $ | 72 |  | $ | 167,203 |
(a)Loans in our commercial portfolio are classified as Pass Rated or Criticized based on the regulatory definitions, which are driven by the PD and LGD ratings that we assign. The Criticized classification includes loans that were rated special mention, substandard or doubtful as of September 30, 2021 and December 31, 2020. Consumer Loan Classes See Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2020 Form 10-K for additional information related to these loan classes, including discussion around the credit quality indicators that we use to monitor and manage the credit risk associated with each loan class. Residential Real Estate and Home Equity The following table presents credit quality indicators for the residential real estate loan class: Table 50: Residential Real Estate Credit Quality Indicators
| Term Loans by Origination Year |  |  |
September 30, 2021 - In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior |  |  | Total Loans
PNC legacy |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 1 |  | $ | 9 |  | $ | 12 |  | $ | 2 |  | $ | 4 |  | $ | 71 |  |  |  | $ | 99 |
Greater than or equal to 80% to 100% | 711 |  | 143 |  | 107 |  | 30 |  | 34 |  | 165 |  |  |  | 1,190 |
Less than 80% | 9,359 |  | 5,802 |  | 2,193 |  | 638 |  | 1,179 |  | 4,356 |  |  |  | 23,527 |
Government insured or guaranteed loans | 1 |  | 11 |  | 24 |  | 21 |  | 30 |  | 688 |  |  |  | 775 |
Total PNC legacy portfolio | 10,072 |  | 5,965 |  | 2,336 |  | 691 |  | 1,247 |  | 5,280 |  |  |  | 25,591 |
Acquired loans |  |  |  |  |  |  |  |  |
Estimated LTV ratios (a) |  |  |  |  |  |  |  |  |
Greater than 100% | 13 |  | 23 |  | 2 |  | 2 |  | 4 |  | 18 |  |  |  | 62 |
Greater than or equal to 80% to 100% | 847 |  | 1,225 |  | 488 |  | 241 |  | 243 |  | 534 |  |  |  | 3,578 |
Less than 80% | 1,689 |  | 1,941 |  | 728 |  | 287 |  | 369 |  | 3,248 |  |  |  | 8,262 |
No LTV ratio available | 207 |  | 320 |  | 93 |  | 26 |  | 1 |  |  |  |  | 647 |
Government insured or guaranteed loans |  | 4 |  | 14 |  | 11 |  | 10 |  | 35 |  |  |  | 74 |
Total acquired loans | 2,756 |  | 3,513 |  | 1,325 |  | 567 |  | 627 |  | 3,835 |  |  |  | 12,623 |
Total residential real estate | $ | 12,828 |  | $ | 9,478 |  | $ | 3,661 |  | $ | 1,258 |  | $ | 1,874 |  | $ | 9,115 |  |  |  | $ | 38,214 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 7,778 |  | $ | 6,577 |  | $ | 2,405 |  | $ | 701 |  | $ | 1,170 |  | $ | 4,549 |  |  |  | $ | 23,180 |
720 to 779 | 3,957 |  | 1,917 |  | 733 |  | 250 |  | 372 |  | 1,670 |  |  |  | 8,899 |
660 to 719 | 498 |  | 464 |  | 292 |  | 145 |  | 144 |  | 821 |  |  |  | 2,364 |
Less than 660 | 52 |  | 123 |  | 92 |  | 80 |  | 85 |  | 805 |  |  |  | 1,237 |
No FICO score available | 542 |  | 382 |  | 101 |  | 50 |  | 63 |  | 547 |  |  |  | 1,685 |
Government insured or guaranteed loans | 1 |  | 15 |  | 38 |  | 32 |  | 40 |  | 723 |  |  |  | 849 |
Total residential real estate | $ | 12,828 |  | $ | 9,478 |  | $ | 3,661 |  | $ | 1,258 |  | $ | 1,874 |  | $ | 9,115 |  |  |  | $ | 38,214 |
| Term Loans by Origination Year |  |  |
December 31, 2020 - In millions | 2020 | 2019 | 2018 | 2017 | 2016 | Prior |  |  | Total Loans
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 3 |  | $ | 52 |  | $ | 26 |  | $ | 42 |  | $ | 41 |  | $ | 160 |  |  |  | $ | 324 |
Greater than or equal to 80% to 100% | 495 |  | 422 |  | 127 |  | 156 |  | 124 |  | 307 |  |  |  | 1,631 |
Less than 80% | 7,491 |  | 3,656 |  | 992 |  | 1,706 |  | 1,847 |  | 3,991 |  |  |  | 19,683 |
Government insured or guaranteed loans | 7 |  | 28 |  | 27 |  | 38 |  | 57 |  | 765 |  |  |  | 922 |
Total residential real estate | $ | 7,996 |  | $ | 4,158 |  | $ | 1,172 |  | $ | 1,942 |  | $ | 2,069 |  | $ | 5,223 |  |  |  | $ | 22,560 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 5,425 |  | $ | 3,099 |  | $ | 814 |  | $ | 1,432 |  | $ | 1,538 |  | $ | 2,551 |  |  |  | $ | 14,859 |
720 to 779 | 2,268 |  | 820 |  | 220 |  | 340 |  | 335 |  | 818 |  |  |  | 4,801 |
660 to 719 | 252 |  | 161 |  | 76 |  | 98 |  | 92 |  | 475 |  |  |  | 1,154 |
Less than 660 | 40 |  | 48 |  | 33 |  | 31 |  | 41 |  | 485 |  |  |  | 678 |
No FICO score available | 4 |  | 2 |  | 2 |  | 3 |  | 6 |  | 129 |  |  |  | 146 |
Government insured or guaranteed loans | 7 |  | 28 |  | 27 |  | 38 |  | 57 |  | 765 |  |  |  | 922 |
Total residential real estate | $ | 7,996 |  | $ | 4,158 |  | $ | 1,172 |  | $ | 1,942 |  | $ | 2,069 |  | $ | 5,223 |  |  |  | $ | 22,560 |
(a) LTV ratios, inclusive of CLTV for first lien and certain subordinate lien positions, in the BBVA loan portfolio are calculated on a quarterly basis utilizing the real estate collateral values available at origination. These calculations will be refreshed for our 2021 Form 10-K to update the property values of real estate collateral and calculate an updated current estimated LTV ratio in connection with the conversion of bank systems, which occurred as of October 12, 2021. See Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2020 Form 10-K for additional information on how current estimated LTV ratios are calculated in the PNC legacy portfolio. The following table presents credit quality indicators for the home equity loan class: Table 51: Home Equity Credit Quality Indicators
| Term Loans by Origination Year |  |  |
September 30, 2021 - In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
PNC legacy |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 1 |  | $ | 16 |  | $ | 15 |  | $ | 2 |  | $ | 2 |  | $ | 30 |  | $ | 270 |  | $ | 91 |  | $ | 427 |
Greater than or equal to 80% to 100% | 17 |  | 97 |  | 87 |  | 18 |  | 13 |  | 78 |  | 847 |  | 570 |  | 1,727 |
Less than 80% | 201 |  | 2,704 |  | 1,315 |  | 401 |  | 600 |  | 3,427 |  | 6,473 |  | 4,834 |  | 19,955 |
Total PNC legacy portfolio | 219 |  | 2,817 |  | 1,417 |  | 421 |  | 615 |  | 3,535 |  | 7,590 |  | 5,495 |  | 22,109 |
Acquired loans |  |  |  |  |  |  |  |  |
Estimated LTV ratios (a) |  |  |  |  |  |  |  |  |
Greater than 100% |  |  |  |  |  | 3 |  | 68 |  |  | 71 |
Greater than or equal to 80% to 100% | 4 |  | 4 |  | 2 |  | 2 |  | 1 |  | 14 |  | 567 |  | 1 |  | 595 |
Less than 80% | 7 |  | 4 |  | 5 |  | 5 |  | 3 |  | 80 |  | 1,575 |  | 1 |  | 1,680 |
No LTV ratio available | 1 |  |  |  |  |  | 4 |  | 19 |  |  | 24 |
Total acquired loans | 12 |  | 8 |  | 7 |  | 7 |  | 4 |  | 101 |  | 2,229 |  | 2 |  | 2,370 |
Total home equity | $ | 231 |  | $ | 2,825 |  | $ | 1,424 |  | $ | 428 |  | $ | 619 |  | $ | 3,636 |  | $ | 9,819 |  | $ | 5,497 |  | $ | 24,479 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 129 |  | $ | 1,756 |  | $ | 787 |  | $ | 221 |  | $ | 403 |  | $ | 2,237 |  | $ | 5,812 |  | $ | 2,706 |  | $ | 14,051 |
720 to 779 | 69 |  | 745 |  | 385 |  | 107 |  | 125 |  | 712 |  | 2,403 |  | 1,405 |  | 5,951 |
660 to 719 | 24 |  | 270 |  | 192 |  | 65 |  | 59 |  | 370 |  | 1,140 |  | 741 |  | 2,861 |
Less than 660 | 3 |  | 52 |  | 59 |  | 34 |  | 31 |  | 305 |  | 411 |  | 561 |  | 1,456 |
No FICO score available | 6 |  | 2 |  | 1 |  | 1 |  | 1 |  | 12 |  | 53 |  | 84 |  | 160 |
Total home equity | $ | 231 |  | $ | 2,825 |  | $ | 1,424 |  | $ | 428 |  | $ | 619 |  | $ | 3,636 |  | $ | 9,819 |  | $ | 5,497 |  | $ | 24,479 |
| Term Loans by Origination Year |  |  |
December 31, 2020 - In millions | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Current estimated LTV ratios |  |  |  |  |  |  |  |  | .
Greater than 100% | $ | 8 |  | $ | 44 |  | $ | 18 |  | $ | 15 |  | $ | 9 |  | $ | 88 |  | $ | 580 |  | $ | 279 |  | $ | 1,041 |
Greater than or equal to 80% to 100% | 517 |  | 320 |  | 59 |  | 42 |  | 25 |  | 158 |  | 1,781 |  | 591 |  | 3,493 |
Less than 80% | 2,909 |  | 1,636 |  | 513 |  | 773 |  | 660 |  | 3,754 |  | 6,433 |  | 2,876 |  | 19,554 |
Total home equity | $ | 3,434 |  | $ | 2,000 |  | $ | 590 |  | $ | 830 |  | $ | 694 |  | $ | 4,000 |  | $ | 8,794 |  | $ | 3,746 |  | $ | 24,088 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 2,019 |  | $ | 1,094 |  | $ | 311 |  | $ | 525 |  | $ | 449 |  | $ | 2,467 |  | $ | 5,382 |  | $ | 1,480 |  | $ | 13,727 |
720 to 779 | 1,028 |  | 558 |  | 153 |  | 181 |  | 145 |  | 777 |  | 2,137 |  | 941 |  | 5,920 |
660 to 719 | 334 |  | 273 |  | 86 |  | 84 |  | 66 |  | 402 |  | 985 |  | 625 |  | 2,855 |
Less than 660 | 52 |  | 74 |  | 39 |  | 39 |  | 33 |  | 345 |  | 277 |  | 620 |  | 1,479 |
No FICO score available | 1 |  | 1 |  | 1 |  | 1 |  | 1 |  | 9 |  | 13 |  | 80 |  | 107 |
Total home equity | $ | 3,434 |  | $ | 2,000 |  | $ | 590 |  | $ | 830 |  | $ | 694 |  | $ | 4,000 |  | $ | 8,794 |  | $ | 3,746 |  | $ | 24,088 |
(a) LTV ratios, inclusive of CLTV for first lien and certain subordinate lien positions, in the BBVA loan portfolio are calculated on a quarterly basis utilizing the real estate collateral values available at origination. These calculations will be refreshed for our 2021 Form 10-K to update the property values of real estate collateral and calculate an updated current estimated LTV ratio in connection with the conversion of bank systems, which occurred as of October 12, 2021. See Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2020 Form 10-K for additional information on how current estimated LTV ratios are calculated in the PNC legacy portfolio. Automobile, Credit Card, Education and Other Consumer The following table presents credit quality indicators for the automobile, credit card, education and other consumer loan classes: Table 52: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2021 - In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Updated FICO Scores |  |  |  |  |  |  |  |  |
Automobile |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 2,828 |  | $ | 1,638 |  | $ | 1,551 |  | $ | 624 |  | $ | 281 |  | $ | 116 |  |  |  | $ | 7,038 |
720 to 779 | 1,694 |  | 1,157 |  | 1,225 |  | 595 |  | 248 |  | 91 |  |  |  | 5,010 |
660 to 719 | 730 |  | 705 |  | 913 |  | 505 |  | 195 |  | 65 |  |  |  | 3,113 |
Less than 660 | 220 |  | 349 |  | 658 |  | 504 |  | 198 |  | 79 |  |  |  | 2,008 |
No FICO score available or required (a) | 45 |  | 29 |  | 13 |  | 6 |  | 3 |  |  |  |  | 96 |
Total automobile | $ | 5,517 |  | $ | 3,878 |  | $ | 4,360 |  | $ | 2,234 |  | $ | 925 |  | $ | 351 |  |  |  | $ | 17,265 |
Credit card |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 |  |  |  |  |  |  | $ | 1,718 |  | $ | 2 |  | $ | 1,720 |
720 to 779 |  |  |  |  |  |  | 1,796 |  | 10 |  | 1,806 |
660 to 719 |  |  |  |  |  |  | 1,836 |  | 22 |  | 1,858 |
Less than 660 |  |  |  |  |  |  | 925 |  | 33 |  | 958 |
No FICO score available or required (a) |  |  |  |  |  |  | 121 |  | 3 |  | 124 |
Total credit card |  |  |  |  |  |  | $ | 6,396 |  | $ | 70 |  | $ | 6,466 |
Education |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 12 |  | $ | 63 |  | $ | 81 |  | $ | 66 |  | $ | 51 |  | $ | 412 |  |  |  | $ | 685 |
720 to 779 | 11 |  | 31 |  | 39 |  | 31 |  | 22 |  | 175 |  |  |  | 309 |
660 to 719 | 8 |  | 9 |  | 12 |  | 12 |  | 7 |  | 75 |  |  |  | 123 |
Less than 660 | 2 |  | 1 |  | 2 |  | 2 |  | 2 |  | 27 |  |  |  | 36 |
No FICO score available or required (a) | 12 |  | 11 |  | 9 |  | 4 |  | 1 |  | 1 |  |  |  | 38 |
Education loans using FICO credit metric | 45 |  | 115 |  | 143 |  | 115 |  | 83 |  | 690 |  |  |  | 1,191 |
Other internal credit metrics |  |  |  |  |  | 1,462 |  |  |  | 1,462 |
Total education | $ | 45 |  | $ | 115 |  | $ | 143 |  | $ | 115 |  | $ | 83 |  | $ | 2,152 |  |  |  | $ | 2,653 |
Other consumer |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 181 |  | $ | 172 |  | $ | 162 |  | $ | 62 |  | $ | 18 |  | $ | 38 |  | $ | 203 |  | $ | 2 |  | $ | 838 |
720 to 779 | 229 |  | 209 |  | 209 |  | 85 |  | 21 |  | 23 |  | 200 |  |  | 976 |
660 to 719 | 179 |  | 170 |  | 201 |  | 105 |  | 21 |  | 14 |  | 144 |  | 1 |  | 835 |
Less than 660 | 47 |  | 73 |  | 96 |  | 67 |  | 14 |  | 9 |  | 57 |  | 1 |  | 364 |
No FICO score available or required (a) | 20 |  | 7 |  | 1 |  | 1 |  |  | 1 |  | 24 |  |  | 54 |
Other consumer loans using FICO credit metric | 656 |  | 631 |  | 669 |  | 320 |  | 74 |  | 85 |  | 628 |  | 4 |  | 3,067 |
Other internal credit metrics | 64 |  | 16 |  | 26 |  | 19 |  | 22 |  | 108 |  | 2,617 |  | 27 |  | 2,899 |
Total other consumer | $ | 720 |  | $ | 647 |  | $ | 695 |  | $ | 339 |  | $ | 96 |  | $ | 193 |  | $ | 3,245 |  | $ | 31 |  | $ | 5,966 |
| Term Loans by Origination Year |  |  |
December 31, 2020 - In millions | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Updated FICO Scores |  |  |  |  |  |  |  |  |
Automobile |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 1,807 |  | $ | 1,915 |  | $ | 807 |  | $ | 452 |  | $ | 246 |  | $ | 58 |  |  |  | $ | 5,285 |
720 to 779 | 1,098 |  | 1,581 |  | 789 |  | 381 |  | 167 |  | 44 |  |  |  | 4,060 |
660 to 719 | 617 |  | 1,222 |  | 684 |  | 288 |  | 109 |  | 31 |  |  |  | 2,951 |
Less than 660 | 192 |  | 776 |  | 598 |  | 240 |  | 87 |  | 29 |  |  |  | 1,922 |
Total automobile | $ | 3,714 |  | $ | 5,494 |  | $ | 2,878 |  | $ | 1,361 |  | $ | 609 |  | $ | 162 |  |  |  | $ | 14,218 |
Credit card |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 |  |  |  |  |  |  | $ | 1,635 |  | $ | 3 |  | $ | 1,638 |
720 to 779 |  |  |  |  |  |  | 1,724 |  | 11 |  | 1,735 |
660 to 719 |  |  |  |  |  |  | 1,765 |  | 26 |  | 1,791 |
Less than 660 |  |  |  |  |  |  | 902 |  | 51 |  | 953 |
No FICO score available or required (a) |  |  |  |  |  |  | 94 |  | 4 |  | 98 |
Total credit card |  |  |  |  |  |  | $ | 6,120 |  | $ | 95 |  | $ | 6,215 |
Education |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 34 |  | $ | 90 |  | $ | 74 |  | $ | 59 |  | $ | 50 |  | $ | 428 |  |  |  | $ | 735 |
720 to 779 | 24 |  | 46 |  | 38 |  | 28 |  | 20 |  | 190 |  |  |  | 346 |
660 to 719 | 15 |  | 15 |  | 14 |  | 9 |  | 6 |  | 90 |  |  |  | 149 |
Less than 660 | 3 |  | 2 |  | 3 |  | 2 |  | 2 |  | 37 |  |  |  | 49 |
No FICO score available or required (a) | 16 |  | 10 |  | 6 |  | 3 |  |  | 1 |  |  |  | 36 |
Education loans using FICO credit metric | 92 |  | 163 |  | 135 |  | 101 |  | 78 |  | 746 |  |  |  | 1,315 |
Other internal credit metrics |  |  |  |  |  | 1,631 |  |  |  | 1,631 |
Total education | $ | 92 |  | $ | 163 |  | $ | 135 |  | $ | 101 |  | $ | 78 |  | $ | 2,377 |  |  |  | $ | 2,946 |
Other consumer |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 162 |  | $ | 187 |  | $ | 63 |  | $ | 21 |  | $ | 5 |  | $ | 42 |  | $ | 86 |  | $ | 1 |  | $ | 567 |
720 to 779 | 197 |  | 247 |  | 82 |  | 22 |  | 5 |  | 22 |  | 123 |  |  | 698 |
660 to 719 | 127 |  | 210 |  | 81 |  | 17 |  | 3 |  | 14 |  | 117 |  | 1 |  | 570 |
Less than 660 | 28 |  | 86 |  | 41 |  | 9 |  | 2 |  | 8 |  | 53 |  | 1 |  | 228 |
Other consumer loans using FICO credit metric | 514 |  | 730 |  | 267 |  | 69 |  | 15 |  | 86 |  | 379 |  | 3 |  | 2,063 |
Other internal credit metrics | 67 |  | 33 |  | 37 |  | 26 |  | 60 |  | 75 |  | 2,334 |  | 3 |  | 2,635 |
Total other consumer | $ | 581 |  | $ | 763 |  | $ | 304 |  | $ | 95 |  | $ | 75 |  | $ | 161 |  | $ | 2,713 |  | $ | 6 |  | $ | 4,698 |
(a)Loans with no FICO score available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for which we cannot obtain an updated FICO score (e.g., recent profile changes), cards issued with a business name and/or cards secured by collateral. Management proactively assesses the risk and size of this loan category and, when necessary, takes actions to mitigate the credit risk. Troubled Debt Restructurings Table 53 quantifies the number of loans that were classified as TDRs as well as the change in the loans’ balance as a result of becoming a TDR during the three and nine months ended September 30, 2021 and September 30, 2020. Additionally, the table provides information about the types of TDR concessions. See Note 1 Accounting Policies and Note 4 Loans and Related Allowance for Credit Losses included in Item 8 of our 2020 Form 10-K for additional discussion of TDRs. Table 53: Financial Impact and TDRs by Concession Type (a)
|  |  | Pre-TDR Amortized Cost Basis (b) |  | Post-TDR Amortized Cost Basis (c) |
Three months ended September 30 Dollars in millions | Number of Loans |  | Principal Forgiveness |  | Rate Reduction |  | Other |  | Total |
2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 13 |  |  | $ | 123 |  |  |  |  |  |  | $ | 139 |  |  | $ | 139 |  |
Consumer |  | 1,340 |  |  | 31 |  |  |  |  | $ | 21 |  |  | 7 |  |  | 28 |  |
Total TDRs |  | 1,353 |  |  | $ | 154 |  |  |  |  | $ | 21 |  |  | $ | 146 |  |  | $ | 167 |  |
2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 16 |  |  | $ | 95 |  |  |  |  | $ | 10 |  |  | $ | 69 |  |  | $ | 79 |  |
Consumer |  | 2,769 |  |  | 46 |  |  |  |  | 26 |  |  | 14 |  |  | 40 |  |
Total TDRs |  | 2,785 |  |  | $ | 141 |  |  |  |  | $ | 36 |  |  | $ | 83 |  |  | $ | 119 |  |
|  |  | Pre-TDR Amortized Cost Basis (b) |  | Post-TDR Amortized Cost Basis (c) |
Nine months ended September 30 Dollars in millions | Number of Loans |  | Principal Forgiveness |  | Rate Reduction |  | Other |  | Total |
2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 43 |  |  | $ | 320 |  |  |  |  |  |  | $ | 315 |  |  | $ | 315 |  |
Consumer |  | 4,822 |  |  | 86 |  |  |  |  | $ | 49 |  |  | 28 |  |  | 77 |  |
Total TDRs |  | 4,865 |  |  | $ | 406 |  |  |  |  | $ | 49 |  |  | $ | 343 |  |  | $ | 392 |  |
2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 58 |  |  | $ | 304 |  |  | $ | 39 |  |  | $ | 10 |  |  | $ | 231 |  |  | $ | 280 |  |
Consumer |  | 9,925 |  |  | 139 |  |  |  |  | 67 |  |  | 59 |  |  | 126 |  |
Total TDRs |  | 9,983 |  |  | $ | 443 |  |  | $ | 39 |  |  | $ | 77 |  |  | $ | 290 |  |  | $ | 406 |  |
(a) Impact of partial charge-offs at TDR date is included in this table. (b) Represents the amortized cost basis of the loans as of the quarter end prior to TDR designation. (c) Represents the amortized cost basis of the TDRs as of the end of the quarter in which the TDR occurs. After a loan is determined to be a TDR, we continue to track its performance under its most recent restructured terms. We consider a TDR to have subsequently defaulted when it becomes 60 days past due after the most recent date the loan was restructured. The following table provides a summary of TDRs that subsequently defaulted during the periods presented and were classified as TDRs during the applicable 12-month period preceding September 30, 2021 and September 30, 2020: Table 54: Subsequently Defaulted TDRs
In millions | 2021 |  | 2020 |
Three months ended September 30 | $ | 6 |  |  | $ | 26 |  |
Nine months ended September 30 | $ | 25 |  |  | $ | 46 |  |
Allowance for Credit Losses We maintain the ACL related to loans at levels that we believe to be appropriate to absorb expected credit losses in the portfolios as of the balance sheet date. See Note 1 Accounting Policies included in Item 8 of our 2020 Form 10-K for a discussion of the methodologies used to determine this allowance. A rollforward of the ACL related to loans follows: Table 55: Rollforward of Allowance for Credit Losses
| Three months ended September 30 |  |  | Nine months ended September 30
| 2021 | 2020 |  |  | 2021 | 2020
In millions | Commercial | Consumer | Total | Commercial | Consumer | Total |  |  | Commercial | Consumer | Total | Commercial | Consumer | Total
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,812 |  | $ | 1,918 |  | $ | 5,730 |  | $ | 3,380 |  | $ | 2,548 |  | $ | 5,928 |  |  |  | $ | 3,337 |  | $ | 2,024 |  | $ | 5,361 |  | $ | 1,812 |  | $ | 930 |  | $ | 2,742 |
Adoption of ASU 2016-13 (a) |  |  |  |  |  |  |  |  |  |  |  | (304) |  | 767 |  | 463 |
Beginning balance, adjusted | 3,812 |  | 1,918 |  | 5,730 |  | 3,380 |  | 2,548 |  | 5,928 |  |  |  | 3,337 |  | 2,024 |  | 5,361 |  | 1,508 |  | 1,697 |  | 3,205 |
Acquisition PCD reserves | (54) |  | (5) |  | (59) |  |  |  |  |  |  | 774 |  | 282 |  | 1,056 |  |  |  |
Charge-offs | (50) |  | (156) |  | (206) |  | (64) |  | (183) |  | (247) |  |  |  | (393) |  | (484) |  | (877) |  | (269) |  | (596) |  | (865) |
Recoveries | 29 |  | 96 |  | 125 |  | 26 |  | 66 |  | 92 |  |  |  | 81 |  | 263 |  | 344 |  | 65 |  | 197 |  | 262 |
Net (charge-offs) (b) | (21) |  | (60) |  | (81) |  | (38) |  | (117) |  | (155) |  |  |  | (312) |  | (221) |  | (533) |  | (204) |  | (399) |  | (603) |
Provision for (recapture of) credit losses | (129) |  | (100) |  | (229) |  | 185 |  | (208) |  | (23) |  |  |  | (193) |  | (332) |  | (525) |  | 2,224 |  | 925 |  | 3,149 |
Other | (5) |  | (1) |  | (6) |  | 1 |  |  | 1 |  |  |  | (3) |  | $ | (1) |  | (4) |  |  |  |
Ending balance | $ | 3,603 |  | $ | 1,752 |  | $ | 5,355 |  | $ | 3,528 |  | $ | 2,223 |  | $ | 5,751 |  |  |  | $ | 3,603 |  | $ | 1,752 |  | $ | 5,355 |  | $ | 3,528 |  | $ | 2,223 |  | $ | 5,751 |
Allowance for unfunded lending related commitments (c) |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 533 |  | $ | 112 |  | $ | 645 |  | $ | 548 |  | $ | 114 |  | $ | 662 |  |  |  | $ | 485 |  | $ | 99 |  | $ | 584 |  | $ | 316 |  | $ | 2 |  | $ | 318 |
Adoption of ASU 2016-13 (a) |  |  |  |  |  |  |  |  |  |  |  | 53 |  | 126 |  | 179 |
Beginning balance, adjusted | 533 |  | 112 |  | 645 |  | 548 |  | 114 |  | 662 |  |  |  | 485 |  | 99 |  | 584 |  | 369 |  | 128 |  | 497 |
Acquisition PCD reserves |  |  |  |  |  |  |  |  | 43 |  | 3 |  | 46 |  |  |  |
Provision for (recapture of) credit losses | 2 |  | (1) |  | 1 |  | 34 |  | (7) |  | 27 |  |  |  | 7 |  | 9 |  | 16 |  | 213 |  | (21) |  | 192 |
Ending balance | $ | 535 |  | $ | 111 |  | $ | 646 |  | $ | 582 |  | $ | 107 |  | $ | 689 |  |  |  | $ | 535 |  | $ | 111 |  | $ | 646 |  | $ | 582 |  | $ | 107 |  | $ | 689 |
Allowance for credit losses at September 30 (d) | $ | 4,138 |  | $ | 1,863 |  | $ | 6,001 |  | $ | 4,110 |  | $ | 2,330 |  | $ | 6,440 |  |  |  | $ | 4,138 |  | $ | 1,863 |  | $ | 6,001 |  | $ | 4,110 |  | $ | 2,330 |  | $ | 6,440 |
(a) Represents the impact of adopting ASU 2016-13, Financial Instruments - Credit Losses on January 1, 2020 and our transition from an incurred loss methodology for our reserves to an expected credit loss methodology. (b) Amounts for the nine months ended September 30, 2021 include amounts attributable to BBVA, primarily related to commercial loans, which were largely the result of required purchase accounting treatment for the BBVA acquisition. (c) See Note 8 Commitments for additional information about the underlying commitments related to this allowance. (d) Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $162 million and $98 million at September 30, 2021 and 2020, respectively. The ACL at September 30, 2021 totaled $6.0 billion, an increase of $0.1 billion since December 31, 2020. This increase was primarily attributable to the addition of reserves related to the BBVA acquisition, partially offset by declines due to portfolio changes and an improved economic outlook. The following summarizes the changes in these factors that influenced the current ACL during the nine months ended September 30, 2021: •Reserves in the current period include expected credit losses on the acquired BBVA loan portfolio. •Portfolio changes that drove reserve declines included improvements in credit quality along with changes in portfolio composition reflecting both shifts in the portfolio mix and declines in certain legacy PNC loan balances. •The economic scenarios used for the period ended September 30, 2021 reflect an improved near-term economic outlook compared to the scenarios used for the period ended December 31, 2020. The overall improvement in the comparison was driven largely by improvements in both the outlook for consumer spending and the labor market, along with the impact from continued vaccine distribution, while also considering the lingering effects of COVID-19 that slowed the momentum of economic recovery in recent months, as the Delta variant continued to drive increased COVID-19 cases throughout the U.S. and abroad.

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