XML 42 R29.htm IDEA: XBRL DOCUMENT
v3.22.2.2

Loans and Related Allowance for Credit Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2022
Asset Quality [Abstract] |
Summary Of The Classification Of Portfolio Segments |
Commercial |  | Consumer
• Commercial and industrial |  | • Residential real estate
• Commercial real estate |  | • Home equity
• Equipment lease financing |  | • Automobile
|  | • Credit card
|  | • Education
|  | • Other consumer
Analysis of Loan Portfolio | Table 40: 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, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 172,550 |  | $ | 321 |  | $ | 55 |  | $ | 139 |  | $ | 515 |  |  | $ | 748 |  |  | $ | 173,813 |  |  |  |
Commercial real estate | 35,424 |  | 11 |  | 4 |  | 5 |  | 20 |  |  | 148 |  |  | 35,592 |  |  |  |
Equipment lease financing | 6,173 |  | 6 |  | 6 |  |  | 12 |  |  | 7 |  |  | 6,192 |  |  |  |
Total commercial | 214,147 |  | 338 |  | 65 |  | 144 |  | 547 |  |  | 903 |  |  | 215,597 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 43,467 |  | 298 |  | 95 |  | 196 |  | 589 |  | (c) | 429 |  | $ | 572 |  | 45,057 |  |  |  |
Home equity | 24,693 |  | 46 |  | 16 |  |  | 62 |  |  | 530 |  | 82 |  | 25,367 |  |  |  |
Automobile | 14,735 |  | 96 |  | 21 |  | 6 |  | 123 |  |  | 167 |  |  | 15,025 |  |  |  |
Credit card | 6,636 |  | 44 |  | 30 |  | 58 |  | 132 |  |  | 6 |  |  | 6,774 |  |  |  |
Education | 2,162 |  | 36 |  | 26 |  | 63 |  | 125 |  | (c) |  |  | 2,287 |  |  |  |
Other consumer | 5,212 |  | 21 |  | 15 |  | 12 |  | 48 |  |  | 33 |  |  | 5,293 |  |  |  |
Total consumer | 96,905 |  | 541 |  | 203 |  | 335 |  | 1,079 |  |  | 1,165 |  | 654 |  | 99,803 |  |  |  |
Total | $ | 311,052 |  | $ | 879 |  | $ | 268 |  | $ | 479 |  | $ | 1,626 |  |  | $ | 2,068 |  | $ | 654 |  | $ | 315,400 |  |  |  |
Percentage of total loans | 98.61 | % | 0.28 | % | 0.08 | % | 0.15 | % | 0.52 | % |  | 0.66 | % | 0.21 | % | 100.00 | % |  |  |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 151,698 |  | $ | 235 |  | $ | 72 |  | $ | 132 |  | $ | 439 |  |  | $ | 796 |  |  | $ | 152,933 |  |  |  |
Commercial real estate | 33,580 |  | 46 |  | 24 |  | 1 |  | 71 |  |  | 364 |  |  | 34,015 |  |  |  |
Equipment lease financing | 6,095 |  | 25 |  | 2 |  |  | 27 |  |  | 8 |  |  | 6,130 |  |  |  |
Total commercial | 191,373 |  | 306 |  | 98 |  | 133 |  | 537 |  |  | 1,168 |  |  | 193,078 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 37,706 |  | 379 |  | 119 |  | 328 |  | 826 |  | (c) | 517 |  | $ | 663 |  | 39,712 |  |  |  |
Home equity | 23,305 |  | 53 |  | 18 |  |  | 71 |  |  | 596 |  | 89 |  | 24,061 |  |  |  |
Automobile | 16,252 |  | 146 |  | 40 |  | 14 |  | 200 |  |  | 183 |  |  | 16,635 |  |  |  |
Credit card | 6,475 |  | 49 |  | 33 |  | 62 |  | 144 |  |  | 7 |  |  | 6,626 |  |  |  |
Education | 2,400 |  | 43 |  | 25 |  | 65 |  | 133 |  | (c) |  |  | 2,533 |  |  |  |
Other consumer | 5,644 |  | 35 |  | 22 |  | 17 |  | 74 |  |  | 9 |  |  | 5,727 |  |  |  |
Total consumer | 91,782 |  | 705 |  | 257 |  | 486 |  | 1,448 |  |  | 1,312 |  | 752 |  | 95,294 |  |  |  |
Total | $ | 283,155 |  | $ | 1,011 |  | $ | 355 |  | $ | 619 |  | $ | 1,985 |  |  | $ | 2,480 |  | $ | 752 |  | $ | 288,372 |  |  |  |
Percentage of total loans | 98.19 | % | 0.35 | % | 0.12 | % | 0.21 | % | 0.69 | % |  | 0.86 | % | 0.26 | % | 100.00 | % |  |  |
(a)Amounts in table represent loans held for investment and do not include any associated ALLL. (b)The accrued interest associated with our loan portfolio totaled $1.0 billion and $0.7 billion at September 30, 2022 and December 31, 2021, 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 $0.3 billion and $0.1 billion at September 30, 2022. Comparable amounts at December 31, 2021 were $0.4 billion and $0.1 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 $0.7 billion at both September 30, 2022 and December 31, 2021. (f)Collateral dependent loans totaled $1.3 billion and $1.7 billion at September 30, 2022 and December 31, 2021, respectively.
Nonperforming Assets | The following table presents our nonperforming assets as of September 30, 2022 and December 31, 2021, respectively: Table 41: Nonperforming Assets
Dollars in millions |  | September 30 2022 |  | December 31 2021 |
Nonperforming loans |  |  |  |  |
Commercial |  | $ | 903 |  |  | $ | 1,168 |  |
Consumer (a) |  | 1,165 |  |  | 1,312 |  |
Total nonperforming loans (b) |  | 2,068 |  |  | 2,480 |  |
OREO and foreclosed assets |  | 33 |  |  | 26 |  |
Total nonperforming assets |  | $ | 2,101 |  |  | $ | 2,506 |  |
Nonperforming loans to total loans |  | 0.66 | % |  | 0.86 | % |
Nonperforming assets to total loans, OREO and foreclosed assets |  | 0.67 | % |  | 0.87 | % |
Nonperforming assets to total assets |  | 0.38 | % |  | 0.45 | % |
(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 $0.9 billion at September 30, 2022 and primarily include loans with a fair value of collateral that exceeds the amortized cost basis. The comparable amount at December 31, 2021 was $1.0 billion.
Credit Quality Indicators By Loan Class | The following table presents credit quality indicators for the commercial loan classes: Table 42: Commercial Credit Quality Indicators (a)
| Term Loans by Origination Year |  |  |
September 30, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 31,271 |  | $ | 14,475 |  | $ | 9,018 |  | $ | 7,607 |  | $ | 4,858 |  | $ | 14,602 |  | $ | 85,101 |  | $ | 69 |  | $ | 167,001 |
Criticized | 802 |  | 439 |  | 360 |  | 429 |  | 334 |  | 643 |  | 3,777 |  | 28 |  | 6,812 |
Total commercial and industrial | 32,073 |  | 14,914 |  | 9,378 |  | 8,036 |  | 5,192 |  | 15,245 |  | 88,878 |  | 97 |  | 173,813 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 6,789 |  | 4,114 |  | 3,684 |  | 5,975 |  | 3,198 |  | 7,957 |  | 266 |  |  | 31,983 |
Criticized | 332 |  | 39 |  | 235 |  | 583 |  | 833 |  | 1,584 |  | 3 |  |  | 3,609 |
Total commercial real estate | 7,121 |  | 4,153 |  | 3,919 |  | 6,558 |  | 4,031 |  | 9,541 |  | 269 |  |  | 35,592 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 1,168 |  | 1,010 |  | 1,000 |  | 718 |  | 454 |  | 1,599 |  |  |  | 5,949 |
Criticized | 45 |  | 59 |  | 61 |  | 42 |  | 21 |  | 15 |  |  |  | 243 |
Total equipment lease financing | 1,213 |  | 1,069 |  | 1,061 |  | 760 |  | 475 |  | 1,614 |  |  |  | 6,192 |
Total commercial | $ | 40,407 |  | $ | 20,136 |  | $ | 14,358 |  | $ | 15,354 |  | $ | 9,698 |  | $ | 26,400 |  | $ | 89,147 |  | $ | 97 |  | $ | 215,597 |
| Term Loans by Origination Year |  |  |
December 31, 2021 In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 27,104 |  | $ | 12,053 |  | $ | 10,731 |  | $ | 6,698 |  | $ | 6,355 |  | $ | 11,759 |  | $ | 71,230 |  | $ | 90 |  | $ | 146,020 |
Criticized | 283 |  | 368 |  | 815 |  | 649 |  | 496 |  | 824 |  | 3,448 |  | 30 |  | 6,913 |
Total commercial and industrial | 27,387 |  | 12,421 |  | 11,546 |  | 7,347 |  | 6,851 |  | 12,583 |  | 74,678 |  | 120 |  | 152,933 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 4,110 |  | 4,109 |  | 6,355 |  | 4,234 |  | 2,634 |  | 7,562 |  | 436 |  |  | 29,440 |
Criticized | 294 |  | 298 |  | 999 |  | 820 |  | 566 |  | 1,552 |  | 46 |  |  | 4,575 |
Total commercial real estate | 4,404 |  | 4,407 |  | 7,354 |  | 5,054 |  | 3,200 |  | 9,114 |  | 482 |  |  | 34,015 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 1,212 |  | 1,190 |  | 942 |  | 682 |  | 507 |  | 1,410 |  |  |  | 5,943 |
Criticized | 37 |  | 54 |  | 41 |  | 29 |  | 19 |  | 7 |  |  |  | 187 |
Total equipment lease financing | 1,249 |  | 1,244 |  | 983 |  | 711 |  | 526 |  | 1,417 |  |  |  | 6,130 |
Total commercial | $ | 33,040 |  | $ | 18,072 |  | $ | 19,883 |  | $ | 13,112 |  | $ | 10,577 |  | $ | 23,114 |  | $ | 75,160 |  | $ | 120 |  | $ | 193,078 |
(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, 2022 and December 31, 2021. Residential Real Estate and Home Equity The following table presents credit quality indicators for the residential real estate and home equity loan classes: Table 43: Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% |  | $ | 46 |  | $ | 24 |  | $ | 6 |  | $ | 6 |  | $ | 40 |  |  |  | $ | 122 |
Greater than or equal to 80% to 100% | $ | 979 |  | 529 |  | 173 |  | 67 |  | 19 |  | 95 |  |  |  | 1,862 |
Less than 80% | 8,168 |  | 16,197 |  | 7,240 |  | 2,409 |  | 852 |  | 7,493 |  |  |  | 42,359 |
No LTV available |  | 53 |  | 1 |  |  |  | 8 |  |  |  | 62 |
Government insured or guaranteed loans | 3 |  | 9 |  | 50 |  | 35 |  | 24 |  | 531 |  |  |  | 652 |
Total residential real estate | $ | 9,150 |  | $ | 16,834 |  | $ | 7,488 |  | $ | 2,517 |  | $ | 901 |  | $ | 8,167 |  |  |  | $ | 45,057 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 5,416 |  | $ | 12,138 |  | $ | 5,267 |  | $ | 1,644 |  | $ | 465 |  | $ | 4,113 |  |  |  | $ | 29,043 |
720 to 779 | 3,152 |  | 3,294 |  | 1,457 |  | 499 |  | 212 |  | 1,610 |  |  |  | 10,224 |
660 to 719 | 442 |  | 752 |  | 403 |  | 190 |  | 91 |  | 806 |  |  |  | 2,684 |
Less than 660 | 42 |  | 109 |  | 112 |  | 83 |  | 71 |  | 775 |  |  |  | 1,192 |
No FICO score available | 95 |  | 532 |  | 199 |  | 66 |  | 38 |  | 332 |  |  |  | 1,262 |
Government insured or guaranteed loans | 3 |  | 9 |  | 50 |  | 35 |  | 24 |  | 531 |  |  |  | 652 |
Total residential real estate | $ | 9,150 |  | $ | 16,834 |  | $ | 7,488 |  | $ | 2,517 |  | $ | 901 |  | $ | 8,167 |  |  |  | $ | 45,057 |
Home equity |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% |  | $ | 2 |  | $ | 12 |  | $ | 7 |  | $ | 1 |  | $ | 14 |  | $ | 220 |  | $ | 95 |  | $ | 351 |
Greater than or equal to 80% to 100% |  | 4 |  | 52 |  | 27 |  | 4 |  | 30 |  | 748 |  | 1,058 |  | 1,923 |
Less than 80% |  | 179 |  | 2,143 |  | 1,004 |  | 300 |  | 3,021 |  | 7,861 |  | 8,585 |  | 23,093 |
Total home equity |  | $ | 185 |  | $ | 2,207 |  | $ | 1,038 |  | $ | 305 |  | $ | 3,065 |  | $ | 8,829 |  | $ | 9,738 |  | $ | 25,367 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 |  | $ | 109 |  | $ | 1,400 |  | $ | 577 |  | $ | 162 |  | $ | 1,895 |  | $ | 5,154 |  | $ | 5,123 |  | $ | 14,420 |
720 to 779 |  | 51 |  | 537 |  | 269 |  | 69 |  | 602 |  | 2,274 |  | 2,582 |  | 6,384 |
660 to 719 |  | 21 |  | 212 |  | 138 |  | 44 |  | 307 |  | 1,059 |  | 1,331 |  | 3,112 |
Less than 660 |  | 4 |  | 55 |  | 53 |  | 29 |  | 251 |  | 324 |  | 633 |  | 1,349 |
No FICO score available |  |  | 3 |  | 1 |  | 1 |  | 10 |  | 18 |  | 69 |  | 102 |
Total home equity |  | $ | 185 |  | $ | 2,207 |  | $ | 1,038 |  | $ | 305 |  | $ | 3,065 |  | $ | 8,829 |  | $ | 9,738 |  | $ | 25,367 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 2021 In millions | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 10 |  | $ | 52 |  | $ | 21 |  | $ | 12 |  | $ | 13 |  | $ | 77 |  |  |  | $ | 185 |
Greater than or equal to 80% to 100% | 1,460 |  | 560 |  | 221 |  | 86 |  | 66 |  | 190 |  |  |  | 2,583 |
Less than 80% | 15,213 |  | 7,822 |  | 2,834 |  | 1,004 |  | 1,570 |  | 7,385 |  |  |  | 35,828 |
No LTV available | 275 |  | 6 |  | 1 |  | 1 |  |  | 22 |  |  |  | 305 |
Government insured or guaranteed loans | 3 |  | 33 |  | 37 |  | 30 |  | 39 |  | 669 |  |  |  | 811 |
Total residential real estate | $ | 16,961 |  | $ | 8,473 |  | $ | 3,114 |  | $ | 1,133 |  | $ | 1,688 |  | $ | 8,343 |  |  |  | $ | 39,712 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 11,110 |  | $ | 5,898 |  | $ | 1,996 |  | $ | 596 |  | $ | 1,029 |  | $ | 4,052 |  |  |  | $ | 24,681 |
720 to 779 | 4,921 |  | 1,735 |  | 643 |  | 247 |  | 345 |  | 1,619 |  |  |  | 9,510 |
660 to 719 | 717 |  | 463 |  | 255 |  | 136 |  | 133 |  | 796 |  |  |  | 2,500 |
Less than 660 | 83 |  | 103 |  | 96 |  | 75 |  | 94 |  | 848 |  |  |  | 1,299 |
No FICO score available | 127 |  | 241 |  | 87 |  | 49 |  | 48 |  | 359 |  |  |  | 911 |
Government insured or guaranteed loans | 3 |  | 33 |  | 37 |  | 30 |  | 39 |  | 669 |  |  |  | 811 |
Total residential real estate | $ | 16,961 |  | $ | 8,473 |  | $ | 3,114 |  | $ | 1,133 |  | $ | 1,688 |  | $ | 8,343 |  |  |  | $ | 39,712 |
Home equity |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 1 |  | $ | 16 |  | $ | 14 |  | $ | 3 |  | $ | 2 |  | $ | 25 |  | $ | 329 |  | $ | 90 |  | $ | 480 |
Greater than or equal to 80% to 100% | 7 |  | 85 |  | 62 |  | 13 |  | 11 |  | 66 |  | 990 |  | 674 |  | 1,908 |
Less than 80% | 204 |  | 2,487 |  | 1,189 |  | 370 |  | 549 |  | 3,200 |  | 7,868 |  | 5,806 |  | 21,673 |
Total home equity | $ | 212 |  | $ | 2,588 |  | $ | 1,265 |  | $ | 386 |  | $ | 562 |  | $ | 3,291 |  | $ | 9,187 |  | $ | 6,570 |  | $ | 24,061 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 124 |  | $ | 1,619 |  | $ | 692 |  | $ | 201 |  | $ | 364 |  | $ | 2,035 |  | $ | 5,490 |  | $ | 3,320 |  | $ | 13,845 |
720 to 779 | 61 |  | 666 |  | 348 |  | 96 |  | 116 |  | 642 |  | 2,283 |  | 1,679 |  | 5,891 |
660 to 719 | 23 |  | 248 |  | 167 |  | 56 |  | 53 |  | 327 |  | 1,071 |  | 872 |  | 2,817 |
Less than 660 | 4 |  | 53 |  | 57 |  | 32 |  | 28 |  | 277 |  | 325 |  | 615 |  | 1,391 |
No FICO score available |  | 2 |  | 1 |  | 1 |  | 1 |  | 10 |  | 18 |  | 84 |  | 117 |
Total home equity | $ | 212 |  | $ | 2,588 |  | $ | 1,265 |  | $ | 386 |  | $ | 562 |  | $ | 3,291 |  | $ | 9,187 |  | $ | 6,570 |  | $ | 24,061 |
The following table presents credit quality indicators for the automobile, credit card, education and other consumer loan classes: Table 44: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Updated FICO Scores |  |  |  |  |  |  |  |  |
Automobile |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 1,984 |  | $ | 2,327 |  | $ | 1,041 |  | $ | 887 |  | $ | 301 |  | $ | 111 |  |  |  | $ | 6,651 |
720 to 779 | 1,277 |  | 1,503 |  | 649 |  | 635 |  | 277 |  | 100 |  |  |  | 4,441 |
660 to 719 | 622 |  | 728 |  | 388 |  | 470 |  | 229 |  | 79 |  |  |  | 2,516 |
Less than 660 | 117 |  | 289 |  | 242 |  | 404 |  | 266 |  | 99 |  |  |  | 1,417 |
Total automobile | $ | 4,000 |  | $ | 4,847 |  | $ | 2,320 |  | $ | 2,396 |  | $ | 1,073 |  | $ | 389 |  |  |  | $ | 15,025 |
Credit card |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 |  |  |  |  |  |  | $ | 1,835 |  | $ | 2 |  | $ | 1,837 |
720 to 779 |  |  |  |  |  |  | 1,945 |  | 7 |  | 1,952 |
660 to 719 |  |  |  |  |  |  | 1,876 |  | 15 |  | 1,891 |
Less than 660 |  |  |  |  |  |  | 952 |  | 32 |  | 984 |
No FICO score available or required (a) |  |  |  |  |  |  | 107 |  | 3 |  | 110 |
Total credit card |  |  |  |  |  |  | $ | 6,715 |  | $ | 59 |  | $ | 6,774 |
Education |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 18 |  | $ | 55 |  | $ | 51 |  | $ | 63 |  | $ | 52 |  | $ | 373 |  |  |  | $ | 612 |
720 to 779 | 20 |  | 28 |  | 25 |  | 31 |  | 25 |  | 151 |  |  |  | 280 |
660 to 719 | 12 |  | 8 |  | 8 |  | 10 |  | 9 |  | 64 |  |  |  | 111 |
Less than 660 | 2 |  | 1 |  | 1 |  | 2 |  | 2 |  | 22 |  |  |  | 30 |
No FICO score available or required (a) | 16 |  | 8 |  | 9 |  | 6 |  | 2 |  | 1 |  |  |  | 42 |
Education loans using FICO credit metric | 68 |  | 100 |  | 94 |  | 112 |  | 90 |  | 611 |  |  |  | 1,075 |
Other internal credit metrics |  |  |  |  |  | 1,212 |  |  |  | 1,212 |
Total education | $ | 68 |  | $ | 100 |  | $ | 94 |  | $ | 112 |  | $ | 90 |  | $ | 1,823 |  |  |  | $ | 2,287 |
Other consumer |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 176 |  | $ | 118 |  | $ | 68 |  | $ | 59 |  | $ | 20 |  | $ | 22 |  | $ | 51 |  | $ | 2 |  | $ | 516 |
720 to 779 | 240 |  | 149 |  | 84 |  | 80 |  | 28 |  | 16 |  | 93 |  | 2 |  | 692 |
660 to 719 | 182 |  | 122 |  | 83 |  | 83 |  | 37 |  | 11 |  | 96 |  | 3 |  | 617 |
Less than 660 | 15 |  | 49 |  | 42 |  | 48 |  | 26 |  | 7 |  | 45 |  | 2 |  | 234 |
Other consumer loans using FICO credit metric | 613 |  | 438 |  | 277 |  | 270 |  | 111 |  | 56 |  | 285 |  | 9 |  | 2,059 |
Other internal credit metrics | 78 |  | 44 |  | 39 |  | 59 |  | 8 |  | 31 |  | 2,950 |  | 25 |  | 3,234 |
Total other consumer | $ | 691 |  | $ | 482 |  | $ | 316 |  | $ | 329 |  | $ | 119 |  | $ | 87 |  | $ | 3,235 |  | $ | 34 |  | $ | 5,293 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 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 | $ | 3,247 |  | $ | 1,496 |  | $ | 1,380 |  | $ | 533 |  | $ | 226 |  | $ | 79 |  |  |  | $ | 6,961 |
720 to 779 | 2,119 |  | 983 |  | 1,030 |  | 499 |  | 195 |  | 62 |  |  |  | 4,888 |
660 to 719 | 969 |  | 609 |  | 772 |  | 413 |  | 155 |  | 44 |  |  |  | 2,962 |
Less than 660 | 277 |  | 315 |  | 583 |  | 429 |  | 162 |  | 58 |  |  |  | 1,824 |
Total automobile | $ | 6,612 |  | $ | 3,403 |  | $ | 3,765 |  | $ | 1,874 |  | $ | 738 |  | $ | 243 |  |  |  | $ | 16,635 |
Credit card |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 |  |  |  |  |  |  | $ | 1,815 |  | $ | 2 |  | $ | 1,817 |
720 to 779 |  |  |  |  |  |  | 1,836 |  | 9 |  | 1,845 |
660 to 719 |  |  |  |  |  |  | 1,856 |  | 19 |  | 1,875 |
Less than 660 |  |  |  |  |  |  | 943 |  | 29 |  | 972 |
No FICO score available or required (a) |  |  |  |  |  |  | 114 |  | 3 |  | 117 |
Total credit card |  |  |  |  |  |  | $ | 6,564 |  | $ | 62 |  | $ | 6,626 |
Education |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 37 |  | $ | 60 |  | $ | 77 |  | $ | 62 |  | $ | 48 |  | $ | 392 |  |  |  | $ | 676 |
720 to 779 | 20 |  | 29 |  | 37 |  | 30 |  | 21 |  | 160 |  |  |  | 297 |
660 to 719 | 7 |  | 9 |  | 11 |  | 11 |  | 7 |  | 73 |  |  |  | 118 |
Less than 660 | 1 |  | 1 |  | 2 |  | 2 |  | 2 |  | 25 |  |  |  | 33 |
No FICO score available or required (a) | 11 |  | 10 |  | 7 |  | 2 |  |  | 1 |  |  |  | 31 |
Education loans using FICO credit metric | 76 |  | 109 |  | 134 |  | 107 |  | 78 |  | 651 |  |  |  | 1,155 |
Other internal credit metrics |  |  |  |  |  | 1,378 |  |  |  | 1,378 |
Total education | $ | 76 |  | $ | 109 |  | $ | 134 |  | $ | 107 |  | $ | 78 |  | $ | 2,029 |  |  |  | $ | 2,533 |
Other consumer |  |  |  |  |  |  |  |  |
FICO score greater than or equal to 780 | $ | 199 |  | $ | 131 |  | $ | 123 |  | $ | 47 |  | $ | 12 |  | $ | 32 |  | $ | 95 |  | $ | 1 |  | $ | 640 |
720 to 779 | 250 |  | 172 |  | 167 |  | 68 |  | 15 |  | 19 |  | 125 |  |  | 816 |
660 to 719 | 190 |  | 145 |  | 165 |  | 82 |  | 16 |  | 11 |  | 122 |  |  | 731 |
Less than 660 | 50 |  | 62 |  | 85 |  | 54 |  | 10 |  | 6 |  | 50 |  | 1 |  | 318 |
Other consumer loans using FICO credit metric | 689 |  | 510 |  | 540 |  | 251 |  | 53 |  | 68 |  | 392 |  | 2 |  | 2,505 |
Other internal credit metrics | 87 |  | 31 |  | 35 |  | 23 |  | 22 |  | 48 |  | 2,955 |  | 21 |  | 3,222 |
Total other consumer | $ | 776 |  | $ | 541 |  | $ | 575 |  | $ | 274 |  | $ | 75 |  | $ | 116 |  | $ | 3,347 |  | $ | 23 |  | $ | 5,727 |
(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.
Financial Impact and TDRs by Concession Type | Table 45: Financial Impact and TDRs by Concession Type (a)
|  |  | Pre-TDR Amortized Cost Basis (b) |  | Post-TDR Amortized Cost Basis (c) |
During the three months ended September 30, 2022 Dollars in millions | Number of Loans |  | Principal Forgiveness |  | Rate Reduction |  | Other |  | Total |
Commercial |  | 15 |  |  | $ | 96 |  |  |  |  | $ | 10 |  |  | $ | 67 |  |  | $ | 77 |  |
Consumer |  | 2,232 |  |  | 40 |  |  |  |  | 29 |  |  | 6 |  |  | 35 |  |
Total TDRs |  | 2,247 |  |  | $ | 136 |  |  |  |  | $ | 39 |  |  | $ | 73 |  |  | $ | 112 |  |
During the nine months ended September 30, 2022 Dollars in millions |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 42 |  |  | $ | 184 |  |  | $ | 9 |  |  | $ | 10 |  |  | $ | 135 |  |  | $ | 154 |  |
Consumer |  | 8,152 |  |  | 126 |  |  |  |  | 95 |  |  | 18 |  |  | 113 |  |
Total TDRs |  | 8,194 |  |  | $ | 310 |  |  | $ | 9 |  |  | $ | 105 |  |  | $ | 153 |  |  | $ | 267 |  |
|  |  | Pre-TDR Amortized Cost Basis (b) |  | Post-TDR Amortized Cost Basis (c) |
During the three months ended September 30, 2021 Dollars in millions | Number of Loans |  | Principal Forgiveness |  | Rate Reduction |  | Other |  | Total |
Commercial |  | 13 |  |  | $ | 123 |  |  |  |  |  |  | $ | 139 |  |  | $ | 139 |  |
Consumer |  | 1,340 |  |  | 31 |  |  |  |  | $ | 21 |  |  | 7 |  |  | 28 |  |
Total TDRs |  | 1,353 |  |  | $ | 154 |  |  |  |  | $ | 21 |  |  | $ | 146 |  |  | $ | 167 |  |
During the nine months ended September 30, 2021 Dollars in millions |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 43 |  |  | $ | 320 |  |  |  |  |  |  | $ | 315 |  |  | $ | 315 |  |
Consumer |  | 4,822 |  |  | 86 |  |  |  |  | $ | 49 |  |  | 28 |  |  | 77 |  |
Total TDRs |  | 4,865 |  |  | $ | 406 |  |  |  |  | $ | 49 |  |  | $ | 343 |  |  | $ | 392 |  |
(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.
Subsequently Defaulted TDRs | Table 46: Subsequently Defaulted TDRs
In millions | 2022 |  | 2021 |
Three months ended September 30 | $ | 23 |  |  | $ | 6 |  |
Nine months ended September 30 | $ | 45 |  |  | $ | 25 |  |
Rollforward of Allowance for Credit Losses | Table 47: Rollforward of Allowance for Credit Losses
| Three months ended September 30 |  |  | Nine months ended September 30
| 2022 |  | 2021 |  |  | 2022 | 2021
In millions | Commercial | Consumer | Total |  | Commercial | Consumer | Total |  |  | Commercial | Consumer | Total | Commercial | Consumer | Total
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 2,937 |  | $ | 1,525 |  | $ | 4,462 |  |  | $ | 3,812 |  | $ | 1,918 |  | $ | 5,730 |  |  |  | $ | 3,185 |  | $ | 1,683 |  | $ | 4,868 |  | $ | 3,337 |  | $ | 2,024 |  | $ | 5,361 |
Acquisition PCD reserves |  |  |  |  | (54) |  | (5) |  | (59) |  |  |  |  |  |  | 774 |  | 282 |  | 1,056 |
Charge-offs | (73) |  | (149) |  | (222) |  |  | (50) |  | (156) |  | (206) |  |  |  | (162) |  | (506) |  | (668) |  | (393) |  | (484) |  | (877) |
Recoveries | 25 |  | 78 |  | 103 |  |  | 29 |  | 96 |  | 125 |  |  |  | 78 |  | 251 |  | 329 |  | 81 |  | 263 |  | 344 |
Net (charge-offs) | (48) |  | (71) |  | (119) |  |  | (21) |  | (60) |  | (81) |  |  |  | (84) |  | (255) |  | (339) |  | (312) |  | (221) |  | (533) |
Provision for (recapture of) credit losses | 174 |  | 67 |  | 241 |  |  | (129) |  | (100) |  | (229) |  |  |  | (34) |  | 93 |  | 59 |  | (193) |  | (332) |  | (525) |
Other | (2) |  | (1) |  | (3) |  |  | (5) |  | (1) |  | (6) |  |  |  | (6) |  | $ | (1) |  | (7) |  | (3) |  | (1) |  | (4) |
Ending balance | $ | 3,061 |  | $ | 1,520 |  | $ | 4,581 |  |  | $ | 3,603 |  | $ | 1,752 |  | $ | 5,355 |  |  |  | $ | 3,061 |  | $ | 1,520 |  | $ | 4,581 |  | $ | 3,603 |  | $ | 1,752 |  | $ | 5,355 |
Allowance for unfunded lending related commitments (a) |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 630 |  | $ | 51 |  | $ | 681 |  |  | $ | 533 |  | $ | 112 |  | $ | 645 |  |  |  | $ | 564 |  | $ | 98 |  | $ | 662 |  | $ | 485 |  | $ | 99 |  | $ | 584 |
Acquisition PCD reserves |  |  |  |  |  |  |  |  |  |  |  |  | 43 |  | 3 |  | 46 |
Provision for (recapture of) credit losses | (22) |  | 23 |  | 1 |  |  | 2 |  | (1) |  | 1 |  |  |  | 44 |  | (24) |  | 20 |  | 7 |  | 9 |  | 16 |
Ending balance | $ | 608 |  | $ | 74 |  | $ | 682 |  |  | $ | 535 |  | $ | 111 |  | $ | 646 |  |  |  | $ | 608 |  | $ | 74 |  | $ | 682 |  | $ | 535 |  | $ | 111 |  | $ | 646 |
Allowance for credit losses at September 30 (b) | $ | 3,669 |  | $ | 1,594 |  | $ | 5,263 |  |  | $ | 4,138 |  | $ | 1,863 |  | $ | 6,001 |  |  |  | $ | 3,669 |  | $ | 1,594 |  | $ | 5,263 |  | $ | 4,138 |  | $ | 1,863 |  | $ | 6,001 |
(a) See Note 9 Commitments for additional information about the underlying commitments related to this allowance. (b) 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 at both September 30, 2022 and 2021.

X
- Definition Asset Quality + References No definition available. + Details
Name: | pnc_AssetQualityAbstract
Namespace Prefix: | pnc_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Details of nonperforming assets and other statistical information. + References No definition available. + Details
Name: | pnc_NonperformingAssetsAndRelatedInformationTableTextBlock
Namespace Prefix: | pnc_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule detailing information related to troubled debt restructurings by status of troubled debt restructuring with further disaggregation by portfolio segment. + References No definition available. + Details
Name: | pnc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTableTextBlockTableTextBlock
Namespace Prefix: | pnc_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary Of The Classification Of Portfolio Segments + References No definition available. + Details
Name: | pnc_SummaryOfTheClassificationOfPortfolioSegmentsTableTextBlock
Namespace Prefix: | pnc_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration