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Loans and Related Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
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 41 presents the composition and delinquency status of our loan portfolio at September 30, 2023 and December 31, 2022. Loan delinquencies include government insured or guaranteed loans and loans accounted for under the fair value option. Table 41: Analysis of Loan Portfolio (a) (b) (c)
| 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 (d) |  | Nonperforming Loans | Fair Value Option Nonaccrual Loans (e) | Total Loans (f)(g) |  |  |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 173,487 |  | $ | 84 |  | $ | 32 |  | $ | 102 |  | $ | 218 |  |  | $ | 458 |  |  | $ | 174,163 |  |  |  |
Commercial real estate | 35,049 |  | 2 |  | 2 |  |  |  | 4 |  |  | 723 |  |  | 35,776 |  |  |  |
Equipment lease financing | 6,432 |  | 25 |  | 6 |  |  | 31 |  |  | 30 |  |  | 6,493 |  |  |  |
Total commercial | 214,968 |  | 111 |  | 40 |  | 102 |  | 253 |  |  | 1,211 |  |  | 216,432 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 45,958 |  | 257 |  | 103 |  | 182 |  | 542 |  | (d) | 330 |  | $ | 529 |  | 47,359 |  |  |  |
Home equity | 25,562 |  | 59 |  | 22 |  |  | 81 |  |  | 446 |  | 70 |  | 26,159 |  |  |  |
Automobile | 14,718 |  | 83 |  | 19 |  | 6 |  | 108 |  |  | 114 |  |  | 14,940 |  |  |  |
Credit card | 6,881 |  | 50 |  | 38 |  | 80 |  | 168 |  |  | 11 |  |  | 7,060 |  |  |  |
Education | 1,918 |  | 32 |  | 22 |  | 48 |  | 102 |  | (d) |  |  | 2,020 |  |  |  |
Other consumer | 4,402 |  | 15 |  | 9 |  | 9 |  | 33 |  |  | 11 |  |  | 4,446 |  |  |  |
Total consumer | 99,439 |  | 496 |  | 213 |  | 325 |  | 1,034 |  |  | 912 |  | 599 |  | 101,984 |  |  |  |
Total | $ | 314,407 |  | $ | 607 |  | $ | 253 |  | $ | 427 |  | $ | 1,287 |  |  | $ | 2,123 |  | $ | 599 |  | $ | 318,416 |  |  |  |
Percentage of total loans | 98.74 | % | 0.19 | % | 0.08 | % | 0.13 | % | 0.40 | % |  | 0.67 | % | 0.19 | % | 100.00 | % |  |  |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 181,223 |  | $ | 169 |  | $ | 27 |  | $ | 137 |  | $ | 333 |  |  | $ | 663 |  |  | $ | 182,219 |  |  |  |
Commercial real estate | 36,104 |  | 19 |  | 4 |  |  | 23 |  |  | 189 |  |  | 36,316 |  |  |  |
Equipment lease financing | 6,484 |  | 20 |  | 4 |  |  | 24 |  |  | 6 |  |  | 6,514 |  |  |  |
Total commercial | 223,811 |  | 208 |  | 35 |  | 137 |  | 380 |  |  | 858 |  |  | 225,049 |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate | 44,306 |  | 281 |  | 112 |  | 199 |  | 592 |  | (d) | 424 |  | $ | 567 |  | 45,889 |  |  |  |
Home equity | 25,305 |  | 53 |  | 20 |  |  | 73 |  |  | 526 |  | 79 |  | 25,983 |  |  |  |
Automobile | 14,543 |  | 106 |  | 25 |  | 7 |  | 138 |  |  | 155 |  |  | 14,836 |  |  |  |
Credit card | 6,906 |  | 50 |  | 35 |  | 70 |  | 155 |  |  | 8 |  |  | 7,069 |  |  |  |
Education | 2,058 |  | 34 |  | 22 |  | 59 |  | 115 |  | (d) |  |  | 2,173 |  |  |  |
Other consumer | 4,975 |  | 15 |  | 12 |  | 10 |  | 37 |  |  | 14 |  |  | 5,026 |  |  |  |
Total consumer | 98,093 |  | 539 |  | 226 |  | 345 |  | 1,110 |  |  | 1,127 |  | 646 |  | 100,976 |  |  |  |
Total | $ | 321,904 |  | $ | 747 |  | $ | 261 |  | $ | 482 |  | $ | 1,490 |  |  | $ | 1,985 |  | $ | 646 |  | $ | 326,025 |  |  |  |
Percentage of total loans | 98.73 | % | 0.23 | % | 0.08 | % | 0.15 | % | 0.46 | % |  | 0.61 | % | 0.20 | % | 100.00 | % |  |  |
(a)Amounts in table represent loans held for investment and do not include any associated ALLL. (b)The CARES Act credit reporting rules expired in the third quarter of 2023 and as such, delinquency status at September 30, 2023 is being reported for all loans based on the contractual terms of the loan. Amounts as of December 31, 2022 continue to be presented in accordance with the credit reporting rules under the CARES Act, which required certain loans modified due to pandemic related hardships to not be reported as past due based on the contractual terms of the loan, even when borrowers may not have made payments on their loans during the modification period. (c)The accrued interest associated with our loan portfolio totaled $1.4 billion and $1.2 billion at September 30, 2023 and December 31, 2022, respectively. These amounts are included in Other assets on the Consolidated Balance Sheet. (d)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 both September 30, 2023 and December 31, 2022. (e)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 policy criteria. Given that these loans are not accounted for at amortized cost, they have been excluded from the nonperforming loan population. (f)Includes unearned income, unamortized deferred fees and costs on originated loans and premiums or discounts on purchased loans totaling $0.8 billion and $0.9 billion at September 30, 2023 and December 31, 2022, respectively. (g)Collateral dependent loans totaled $1.1 billion and $1.3 billion at September 30, 2023 and December 31, 2022, respectively.
Nonperforming Assets | The following table presents our nonperforming assets as of September 30, 2023 and December 31, 2022, respectively: Table 42: Nonperforming Assets
Dollars in millions |  | September 30, 2023 |  | December 31, 2022 |
Nonperforming loans (a) |  |  |  |  |
Commercial |  | $ | 1,211 |  |  | $ | 858 |  |
Consumer (b) |  | 912 |  |  | 1,127 |  |
Total nonperforming loans (c) |  | 2,123 |  |  | 1,985 |  |
OREO and foreclosed assets |  | 35 |  |  | 34 |  |
Total nonperforming assets |  | $ | 2,158 |  |  | $ | 2,019 |  |
Nonperforming loans to total loans |  | 0.67 | % |  | 0.61 | % |
Nonperforming assets to total loans, OREO and foreclosed assets |  | 0.68 | % |  | 0.62 | % |
Nonperforming assets to total assets |  | 0.39 | % |  | 0.36 | % |
(a)In connection with the adoption of ASU 2022-02, nonperforming loans as of September 30, 2023 include certain loans where terms were modified as a result of a borrower’s financial difficulty. Prior period amounts included nonperforming TDRs, for which accounting guidance was eliminated effective January 1, 2023. See Note 1 Accounting Policies and the Loan Modifications to Borrowers Experiencing Financial Difficulty section of this Note 3 for more information on our adoption of this ASU. (b)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. (c)Nonperforming loans for which there is no related ALLL totaled $0.5 billion at September 30, 2023 and primarily include loans with a fair value of collateral that exceeds the amortized cost basis. The comparable amount at December 31, 2022 was $0.7 billion.
Credit Quality Indicators By Loan Class | The following table presents credit quality indicators for our commercial loan classes: Table 43: Commercial Credit Quality Indicators (a)
| Term Loans by Origination Year |  |  |
September 30, 2023 In millions | 2023 |  | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |
Pass Rated | $ | 18,791 |  |  | $ | 29,249 |  | $ | 8,476 |  | $ | 6,061 |  | $ | 4,654 |  | $ | 12,952 |  | $ | 84,123 |  | $ | 603 |  | $ | 164,909 |
Criticized | 537 |  |  | 1,916 |  | 743 |  | 355 |  | 249 |  | 710 |  | 4,705 |  | 39 |  | 9,254 |
Total commercial and industrial loans | $ | 19,328 |  |  | $ | 31,165 |  | $ | 9,219 |  | $ | 6,416 |  | $ | 4,903 |  | $ | 13,662 |  | $ | 88,828 |  | $ | 642 |  | $ | 174,163 |
Gross charge-offs (b) | $ | 17 |  | (c) | $ | 19 |  | $ | 27 |  | $ | 7 |  | $ | 2 |  | $ | 19 |  | $ | 90 |  | $ | 11 |  | $ | 192 |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Pass Rated | $ | 3,592 |  |  | $ | 9,008 |  | $ | 3,282 |  | $ | 2,376 |  | $ | 4,918 |  | $ | 8,062 |  | $ | 342 |  |  | $ | 31,580 |
Criticized | 109 |  |  | 685 |  | 470 |  | 370 |  | 664 |  | 1,880 |  | 18 |  |  | 4,196 |
Total commercial real estate loans | $ | 3,701 |  |  | $ | 9,693 |  | $ | 3,752 |  | $ | 2,746 |  | $ | 5,582 |  | $ | 9,942 |  | $ | 360 |  |  | $ | 35,776 |
Gross charge-offs (b) |  |  |  |  |  |  |  |  |  | $ | 29 |  | $ | 95 |  |  |  |  |  | $ | 124 |
Equipment lease financing |  |  |  |  |  |  |  |  |  |
Pass Rated | $ | 1,126 |  |  | $ | 1,507 |  | $ | 779 |  | $ | 761 |  | $ | 506 |  | $ | 1,469 |  |  |  | $ | 6,148 |
Criticized | 68 |  |  | 79 |  | 56 |  | 50 |  | 38 |  | 54 |  |  |  | 345 |
Total equipment lease financing loans | $ | 1,194 |  |  | $ | 1,586 |  | $ | 835 |  | $ | 811 |  | $ | 544 |  | $ | 1,523 |  |  |  | $ | 6,493 |
Gross charge-offs (b) | $ | 1 |  |  | $ | 2 |  | $ | 2 |  | $ | 4 |  | $ | 1 |  | $ | 1 |  |  |  |  |  | $ | 11 |
Total commercial loans | $ | 24,223 |  |  | $ | 42,444 |  | $ | 13,806 |  | $ | 9,973 |  | $ | 11,029 |  | $ | 25,127 |  | $ | 89,188 |  | $ | 642 |  | $ | 216,432 |
Total commercial gross charge-offs | $ | 18 |  |  | $ | 21 |  | $ | 29 |  | $ | 11 |  | $ | 32 |  | $ | 115 |  | $ | 90 |  | $ | 11 |  | $ | 327 |
| Term Loans by Origination Year |  |  |
December 31, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Commercial and industrial |  |  |  |  |  |  |  |  |
Pass Rated | $ | 41,685 |  | $ | 12,493 |  | $ | 8,134 |  | $ | 6,261 |  | $ | 4,209 |  | $ | 13,165 |  | $ | 89,384 |  | $ | 69 |  | $ | 175,400 |
Criticized | 1,259 |  | 423 |  | 277 |  | 299 |  | 297 |  | 551 |  | 3,682 |  | 31 |  | 6,819 |
Total commercial and industrial | 42,944 |  | 12,916 |  | 8,411 |  | 6,560 |  | 4,506 |  | 13,716 |  | 93,066 |  | 100 |  | 182,219 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass Rated | 8,835 |  | 4,153 |  | 3,266 |  | 5,511 |  | 3,005 |  | 7,454 |  | 450 |  |  | 32,674 |
Criticized | 348 |  | 37 |  | 322 |  | 758 |  | 807 |  | 1,367 |  | 3 |  |  | 3,642 |
Total commercial real estate | 9,183 |  | 4,190 |  | 3,588 |  | 6,269 |  | 3,812 |  | 8,821 |  | 453 |  |  | 36,316 |
Equipment lease financing |  |  |  |  |  |  |  |  |
Pass Rated | 1,797 |  | 962 |  | 942 |  | 670 |  | 410 |  | 1,495 |  |  |  | 6,276 |
Criticized | 60 |  | 55 |  | 56 |  | 39 |  | 17 |  | 11 |  |  |  | 238 |
Total equipment lease financing | 1,857 |  | 1,017 |  | 998 |  | 709 |  | 427 |  | 1,506 |  |  |  | 6,514 |
Total commercial | $ | 53,984 |  | $ | 18,123 |  | $ | 12,997 |  | $ | 13,538 |  | $ | 8,745 |  | $ | 24,043 |  | $ | 93,519 |  | $ | 100 |  | $ | 225,049 |
(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, 2023 and December 31, 2022. (b)Gross charge-offs are presented on a year-to-date basis, as of the reporting date. (c)Includes charge-offs of deposit overdrafts. Residential Real Estate and Home Equity The following table presents credit quality indicators for our residential real estate and home equity loan classes: Table 44: Credit Quality Indicators for Residential Real Estate and Home Equity Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2023 In millions | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Residential real estate |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% | $ | 34 |  | $ | 141 |  | $ | 103 |  | $ | 33 |  | $ | 8 |  | $ | 34 |  |  |  | $ | 353 |
Greater than or equal to 80% to 100% | 1,770 |  | 3,372 |  | 1,044 |  | 207 |  | 69 |  | 105 |  |  |  | 6,567 |
Less than 80% | 2,577 |  | 6,661 |  | 14,517 |  | 6,639 |  | 2,196 |  | 7,129 |  |  |  | 39,719 |
No LTV available | 52 |  |  |  | 13 |  |  |  | 3 |  |  |  | 68 |
Government insured or guaranteed loans | 9 |  | 18 |  | 18 |  | 66 |  | 37 |  | 504 |  |  |  | 652 |
Total residential real estate loans | $ | 4,442 |  | $ | 10,192 |  | $ | 15,695 |  | $ | 6,945 |  | $ | 2,310 |  | $ | 7,775 |  |  |  | $ | 47,359 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 2,418 |  | $ | 7,728 |  | $ | 12,239 |  | $ | 5,060 |  | $ | 1,538 |  | $ | 4,099 |  |  |  | $ | 33,082 |
720 to 779 | 1,495 |  | 1,857 |  | 2,547 |  | 1,214 |  | 414 |  | 1,439 |  |  |  | 8,966 |
660 to 719 | 302 |  | 514 |  | 670 |  | 322 |  | 176 |  | 782 |  |  |  | 2,766 |
Less than 660 | 86 |  | 64 |  | 129 |  | 110 |  | 87 |  | 676 |  |  |  | 1,152 |
No FICO score available | 132 |  | 11 |  | 92 |  | 173 |  | 58 |  | 275 |  |  |  | 741 |
Government insured or guaranteed loans | 9 |  | 18 |  | 18 |  | 66 |  | 37 |  | 504 |  |  |  | 652 |
Total residential real estate loans | $ | 4,442 |  | $ | 10,192 |  | $ | 15,695 |  | $ | 6,945 |  | $ | 2,310 |  | $ | 7,775 |  |  |  | $ | 47,359 |
Gross charge-offs (a) |  |  | $ | 1 |  |  |  | $ | 1 |  |  |  | $ | 4 |  |  |  | $ | 6 |
Home equity |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% |  |  | $ | 2 |  | $ | 10 |  | $ | 5 |  | $ | 13 |  | $ | 294 |  | $ | 285 |  | $ | 609 |
Greater than or equal to 80% to 100% |  |  | 5 |  | 39 |  | 21 |  | 27 |  | 1,266 |  | 1,949 |  | 3,307 |
Less than 80% |  |  | 161 |  | 1,922 |  | 871 |  | 2,683 |  | 6,901 |  | 9,705 |  | 22,243 |
Total home equity loans |  |  | $ | 168 |  | $ | 1,971 |  | $ | 897 |  | $ | 2,723 |  | $ | 8,461 |  | $ | 11,939 |  | $ | 26,159 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 |  |  | $ | 107 |  | $ | 1,283 |  | $ | 503 |  | $ | 1,685 |  | $ | 4,700 |  | $ | 6,039 |  | $ | 14,317 |
720 to 779 |  |  | 38 |  | 443 |  | 223 |  | 525 |  | 2,203 |  | 3,193 |  | 6,625 |
660 to 719 |  |  | 18 |  | 185 |  | 117 |  | 286 |  | 1,210 |  | 1,756 |  | 3,572 |
Less than 660 |  |  | 5 |  | 58 |  | 53 |  | 219 |  | 338 |  | 895 |  | 1,568 |
No FICO score available |  |  |  |  | 2 |  | 1 |  | 8 |  | 10 |  | 56 |  | 77 |
Total home equity loans |  |  | $ | 168 |  | $ | 1,971 |  | $ | 897 |  | $ | 2,723 |  | $ | 8,461 |  | $ | 11,939 |  | $ | 26,159 |
Gross charge-offs (a) |  |  |  |  |  |  |  |  |  |  | $ | 2 |  | $ | 4 |  | $ | 9 |  | $ | 15 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 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% | $ | 4 |  | $ | 52 |  | $ | 20 |  | $ | 10 |  | $ | 4 |  | $ | 41 |  |  |  | $ | 131 |
Greater than or equal to 80% to 100% | 1,185 |  | 678 |  | 232 |  | 84 |  | 24 |  | 92 |  |  |  | 2,295 |
Less than 80% | 9,396 |  | 15,844 |  | 7,074 |  | 2,346 |  | 822 |  | 7,220 |  |  |  | 42,702 |
No LTV available |  | 61 |  |  | 3 |  |  | 4 |  |  |  | 68 |
Government insured or guaranteed loans | 9 |  | 15 |  | 66 |  | 39 |  | 28 |  | 536 |  |  |  | 693 |
Total residential real estate | $ | 10,594 |  | $ | 16,650 |  | $ | 7,392 |  | $ | 2,482 |  | $ | 878 |  | $ | 7,893 |  |  |  | $ | 45,889 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 6,825 |  | $ | 12,596 |  | $ | 5,276 |  | $ | 1,623 |  | $ | 463 |  | $ | 4,027 |  |  |  | $ | 30,810 |
720 to 779 | 3,172 |  | 3,024 |  | 1,369 |  | 476 |  | 180 |  | 1,457 |  |  |  | 9,678 |
660 to 719 | 514 |  | 744 |  | 378 |  | 189 |  | 98 |  | 796 |  |  |  | 2,719 |
Less than 660 | 63 |  | 108 |  | 110 |  | 88 |  | 71 |  | 740 |  |  |  | 1,180 |
No FICO score available | 11 |  | 163 |  | 193 |  | 67 |  | 38 |  | 337 |  |  |  | 809 |
Government insured or guaranteed loans | 9 |  | 15 |  | 66 |  | 39 |  | 28 |  | 536 |  |  |  | 693 |
Total residential real estate | $ | 10,594 |  | $ | 16,650 |  | $ | 7,392 |  | $ | 2,482 |  | $ | 878 |  | $ | 7,893 |  |  |  | $ | 45,889 |
Home equity |  |  |  |  |  |  |  |  |
Current estimated LTV ratios |  |  |  |  |  |  |  |  |
Greater than 100% |  | $ | 4 |  | $ | 14 |  | $ | 9 |  | $ | 2 |  | $ | 15 |  | $ | 268 |  | $ | 137 |  | $ | 449 |
Greater than or equal to 80% to 100% |  | 4 |  | 51 |  | 27 |  | 4 |  | 31 |  | 854 |  | 1,149 |  | 2,120 |
Less than 80% |  | 172 |  | 2,078 |  | 961 |  | 285 |  | 2,851 |  | 7,780 |  | 9,287 |  | 23,414 |
Total home equity |  | $ | 180 |  | $ | 2,143 |  | $ | 997 |  | $ | 291 |  | $ | 2,897 |  | $ | 8,902 |  | $ | 10,573 |  | $ | 25,983 |
Updated FICO scores |  |  |  |  |  |  |  |  |
Greater than or equal to 780 |  | $ | 110 |  | $ | 1,357 |  | $ | 554 |  | $ | 155 |  | $ | 1,791 |  | $ | 5,093 |  | $ | 5,545 |  | $ | 14,605 |
720 to 779 |  | 47 |  | 515 |  | 248 |  | 64 |  | 567 |  | 2,305 |  | 2,843 |  | 6,589 |
660 to 719 |  | 19 |  | 211 |  | 140 |  | 42 |  | 288 |  | 1,146 |  | 1,449 |  | 3,295 |
Less than 660 |  | 4 |  | 57 |  | 54 |  | 29 |  | 242 |  | 342 |  | 671 |  | 1,399 |
No FICO score available |  |  | 3 |  | 1 |  | 1 |  | 9 |  | 16 |  | 65 |  | 95 |
Total home equity |  | $ | 180 |  | $ | 2,143 |  | $ | 997 |  | $ | 291 |  | $ | 2,897 |  | $ | 8,902 |  | $ | 10,573 |  | $ | 25,983 |
(a)Gross charge-offs are presented on a year-to-date basis, as of the reporting date. Automobile, Credit Card, Education and Other Consumer The following table presents credit quality indicators for our automobile, credit card, education and other consumer loan classes: Table 45: Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes
| Term Loans by Origination Year |  |  |
September 30, 2023 In millions | 2023 |  | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total
Automobile |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 2,221 |  |  | $ | 1,776 |  | $ | 1,653 |  | $ | 624 |  | $ | 456 |  | $ | 127 |  |  |  | $ | 6,857 |
720 to 779 | 1,454 |  |  | 1,266 |  | 892 |  | 356 |  | 309 |  | 115 |  |  |  | 4,392 |
660 to 719 | 804 |  |  | 677 |  | 456 |  | 218 |  | 228 |  | 100 |  |  |  | 2,483 |
Less than 660 | 168 |  |  | 261 |  | 248 |  | 165 |  | 230 |  | 136 |  |  |  | 1,208 |
Total automobile loans | $ | 4,647 |  |  | $ | 3,980 |  | $ | 3,249 |  | $ | 1,363 |  | $ | 1,223 |  | $ | 478 |  |  |  | $ | 14,940 |
Gross charge-offs (a) |  |  |  | $ | 18 |  | $ | 18 |  | $ | 13 |  | $ | 23 |  | $ | 19 |  |  |  | $ | 91 |
Credit card |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 |  |  |  |  |  |  |  | $ | 1,920 |  | $ | 1 |  | $ | 1,921 |
720 to 779 |  |  |  |  |  |  |  | 1,967 |  | 5 |  | 1,972 |
660 to 719 |  |  |  |  |  |  |  | 1,982 |  | 13 |  | 1,995 |
Less than 660 |  |  |  |  |  |  |  | 1,016 |  | 44 |  | 1,060 |
No FICO score available or required (b) |  |  |  |  |  |  |  | 109 |  | 3 |  | 112 |
Total credit card loans |  |  |  |  |  |  |  | $ | 6,994 |  | $ | 66 |  | $ | 7,060 |
Gross charge-offs (a) |  |  |  |  |  |  |  | $ | 212 |  | $ | 20 |  | $ | 232 |
Education |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 7 |  |  | $ | 25 |  | $ | 8 |  | $ | 11 |  | $ | 19 |  | $ | 133 |  |  |  | $ | 203 |
720 to 779 | 20 |  |  | 45 |  | 25 |  | 25 |  | 32 |  | 182 |  |  |  | 329 |
660 to 719 | 19 |  |  | 45 |  | 27 |  | 23 |  | 29 |  | 156 |  |  |  | 299 |
Less than 660 | 9 |  |  | 37 |  | 16 |  | 8 |  | 7 |  | 94 |  |  |  | 171 |
No FICO score available or required (b) | 20 |  |  | 13 |  | 10 |  | 7 |  | 2 |  | 5 |  |  |  | 57 |
Total loans using FICO credit metric | 75 |  |  | 165 |  | 86 |  | 74 |  | 89 |  | 570 |  |  |  | 1,059 |
Other internal credit metrics |  |  |  |  |  |  | 961 |  |  |  | 961 |
Total education loans | $ | 75 |  |  | $ | 165 |  | $ | 86 |  | $ | 74 |  | $ | 89 |  | $ | 1,531 |  |  |  | $ | 2,020 |
Gross charge-offs (a) |  |  |  |  |  | $ | 1 |  | $ | 1 |  | $ | 1 |  | $ | 10 |  |  |  | $ | 13 |
Other consumer |  |  |  |  |  |  |  |  |  |
Updated FICO scores |  |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 195 |  |  | $ | 151 |  | $ | 57 |  | $ | 27 |  | $ | 20 |  | $ | 14 |  | $ | 40 |  | $ | 2 |  | $ | 506 |
720 to 779 | 244 |  |  | 189 |  | 68 |  | 32 |  | 25 |  | 14 |  | 81 |  | 1 |  | 654 |
660 to 719 | 117 |  |  | 155 |  | 68 |  | 35 |  | 29 |  | 14 |  | 88 |  | 2 |  | 508 |
Less than 660 | 11 |  |  | 51 |  | 34 |  | 21 |  | 19 |  | 10 |  | 43 |  | 1 |  | 190 |
Total loans using FICO credit metric | 567 |  |  | 546 |  | 227 |  | 115 |  | 93 |  | 52 |  | 252 |  | 6 |  | 1,858 |
Other internal credit metrics | 32 |  |  | 107 |  | 32 |  | 73 |  | 72 |  | 23 |  | 2,239 |  | 10 |  | 2,588 |
Total other consumer loans | $ | 599 |  |  | $ | 653 |  | $ | 259 |  | $ | 188 |  | $ | 165 |  | $ | 75 |  | $ | 2,491 |  | $ | 16 |  | $ | 4,446 |
Gross charge-offs (a) | $ | 54 |  | (c) | $ | 16 |  | $ | 14 |  | $ | 12 |  | $ | 12 |  | $ | 7 |  | $ | 8 |  | $ | 1 |  | $ | 124 |
(Continued from previous page) | Term Loans by Origination Year |  |  |
December 31, 2022 In millions | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans | Revolving Loans Converted to Term | Total Loans
Updated FICO Scores |  |  |  |  |  |  |  |  |
Automobile |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 2,390 |  | $ | 2,162 |  | $ | 922 |  | $ | 760 |  | $ | 241 |  | $ | 75 |  |  |  | $ | 6,550 |
720 to 779 | 1,702 |  | 1,312 |  | 561 |  | 538 |  | 222 |  | 69 |  |  |  | 4,404 |
660 to 719 | 854 |  | 660 |  | 341 |  | 401 |  | 187 |  | 56 |  |  |  | 2,499 |
Less than 660 | 193 |  | 290 |  | 230 |  | 368 |  | 228 |  | 74 |  |  |  | 1,383 |
Total automobile | $ | 5,139 |  | $ | 4,424 |  | $ | 2,054 |  | $ | 2,067 |  | $ | 878 |  | $ | 274 |  |  |  | $ | 14,836 |
Credit card |  |  |  |  |  |  |  |  |
Greater than or equal to 780 |  |  |  |  |  |  | $ | 1,954 |  | $ | 2 |  | $ | 1,956 |
720 to 779 |  |  |  |  |  |  | 1,994 |  | 6 |  | 2,000 |
660 to 719 |  |  |  |  |  |  | 1,957 |  | 13 |  | 1,970 |
Less than 660 |  |  |  |  |  |  | 1,001 |  | 35 |  | 1,036 |
No FICO score available or required (b) |  |  |  |  |  |  | 104 |  | 3 |  | 107 |
Total credit card |  |  |  |  |  |  | $ | 7,010 |  | $ | 59 |  | $ | 7,069 |
Education |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 42 |  | $ | 53 |  | $ | 48 |  | $ | 61 |  | $ | 51 |  | $ | 357 |  |  |  | $ | 612 |
720 to 779 | 39 |  | 27 |  | 24 |  | 30 |  | 24 |  | 143 |  |  |  | 287 |
660 to 719 | 21 |  | 8 |  | 8 |  | 9 |  | 8 |  | 59 |  |  |  | 113 |
Less than 660 | 4 |  | 1 |  | 1 |  | 2 |  | 2 |  | 24 |  |  |  | 34 |
No FICO score available or required (b) | 20 |  | 8 |  | 7 |  | 3 |  |  | 1 |  |  |  | 39 |
Education loans using FICO credit metric | 126 |  | 97 |  | 88 |  | 105 |  | 85 |  | 584 |  |  |  | 1,085 |
Other internal credit metrics |  |  |  |  |  | 1,088 |  |  |  | 1,088 |
Total education | $ | 126 |  | $ | 97 |  | $ | 88 |  | $ | 105 |  | $ | 85 |  | $ | 1,672 |  |  |  | $ | 2,173 |
Other consumer |  |  |  |  |  |  |  |  |
Greater than or equal to 780 | $ | 224 |  | $ | 97 |  | $ | 53 |  | $ | 46 |  | $ | 14 |  | $ | 18 |  | $ | 47 |  | $ | 2 |  | $ | 501 |
720 to 779 | 302 |  | 122 |  | 68 |  | 62 |  | 20 |  | 15 |  | 89 |  | 2 |  | 680 |
660 to 719 | 229 |  | 110 |  | 68 |  | 66 |  | 28 |  | 8 |  | 95 |  | 2 |  | 606 |
Less than 660 | 32 |  | 48 |  | 37 |  | 40 |  | 20 |  | 6 |  | 44 |  | 2 |  | 229 |
Other consumer loans using FICO credit metric | 787 |  | 377 |  | 226 |  | 214 |  | 82 |  | 47 |  | 275 |  | 8 |  | 2,016 |
Other internal credit metrics | 125 |  | 43 |  | 40 |  | 34 |  | 7 |  | 29 |  | 2,720 |  | 12 |  | 3,010 |
Total other consumer | $ | 912 |  | $ | 420 |  | $ | 266 |  | $ | 248 |  | $ | 89 |  | $ | 76 |  | $ | 2,995 |  | $ | 20 |  | $ | 5,026 |
(a)Gross charge-offs are presented on a year-to-date basis, as of the reporting date. (b)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. (c)Includes charge-offs of deposit overdrafts. Loan Modifications to Borrowers Experiencing Financial Difficulty On January 1, 2023, we adopted ASU 2022-02, which eliminates the accounting guidance for TDRs and enhances the disclosure requirements for certain loan modifications when a borrower is experiencing financial difficulty (FDMs). FDMs occur as a result of our loss mitigation activities. A variety of solutions are offered to borrowers, including loan modifications that may result in principal forgiveness, interest rate reductions, term extensions, payment delays, repayment plans or combinations thereof: •Principal forgiveness includes principal and accrued interest forgiveness. •Interest rate reductions include modifications where the interest rate is reduced and/or interest is deferred. •Term extensions extend the original contractual maturity date of the loan. •Payment delays consist of modifications where we expect to collect contractual amounts due but that result in a delay in the receipt of payments specified under the original loan terms. We generally consider payment delays to be insignificant when the delay is three months or less. •Repayment plans are offered for some of our credit card and unsecured line of credit products, which provide for a reduced payment and interest rate for a specific period of time. Additionally, modifications to borrowers experiencing financial difficulty also result from borrowers that have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their obligations to us, and those that enter into trial modifications. FDMs exclude loans held for sale and loans accounted for under the fair value option. Our disclosed FDM population also excludes government insured or guaranteed education loans as loss mitigation activities for these loans are either required by law or they are considered separate from PNC’s loss mitigation treatments. Commercial loans with an appraised value of collateral that exceeds the loan value, loans with guarantor support, and residential mortgage government insured or guaranteed loans are included in our disclosed population of FDMs when those loan modifications are granted to a borrower experiencing financial difficulty. Refer to Note 1 Accounting Policies for additional information around our adoption of ASU 2022-02.
Financing Receivable, Modified | The following table presents the amortized cost basis, as of September 30, 2023, of FDMs granted during the three and nine months ended September 30, 2023: Table 46: Loan Modifications Granted to Borrowers Experiencing Financial Difficulty (a) (b)
Three months ended September 30, 2023 Dollars in millions |  | Interest Rate Reduction | Term Extension | Payment Delay | Repayment Plan | Interest Rate Reduction and Term Extension | Payment Delay and Term Extension | Other (c) | Total | % of Loan Class |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 15 |  | $ | 356 |  | $ | 37 |  |  |  | $ | 7 |  | $ | 83 |  | $ | 498 |  | 0.29 | % |
Commercial real estate |  |  | 307 |  | 16 |  |  |  |  |  | 323 |  | 0.90 | % |
Total commercial |  | 15 | 663 | 53 |  |  | 7 | 83 | 821 |  | 0.38 | % |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | 1 |  |  | 50 |  |  |  |  |  | 3 |  | 54 |  | 0.11 | % |
Home equity |  |  |  | 2 |  |  |  |  |  | 5 |  | 7 |  | 0.03 | % |
Credit card |  |  |  |  | $ | 20 |  |  |  |  | 20 |  | 0.28 | % |
Education |  |  | 1 |  |  |  |  |  |  | 1 |  | 0.05 | % |
Other consumer |  |  |  |  | 1 |  |  |  |  | 1 |  | 0.02 | % |
Total consumer |  | 1 |  | 1 |  | 52 |  | 21 |  |  |  |  | 8 |  | 83 |  | 0.08 | % |
Total |  | $ | 16 |  | $ | 664 |  | $ | 105 |  | $ | 21 |  |  |  | $ | 7 |  | $ | 91 |  | $ | 904 |  | 0.28 | % |
Nine months ended September 30, 2023 Dollars in millions |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 15 |  | $ | 704 |  | $ | 91 |  |  |  | $ | 20 |  | $ | 130 |  | $ | 960 |  | 0.55 | % |
Commercial real estate |  |  | 745 |  | 16 |  |  |  | 61 |  | 822 |  | 2.30 | % |
Total commercial |  | 15 | 1,449 |  | 107 |  |  | 20 | 191 | 1,782 |  | 0.82 | % |
Consumer |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | 1 |  |  | 83 |  |  | $ | 3 |  |  | 6 |  | 93 |  | 0.20 | % |
Home equity |  |  |  | 6 |  |  | 7 |  |  | 9 |  | 22 |  | 0.08 | % |
Credit card |  |  |  |  | $ | 45 |  |  |  |  | 45 |  | 0.64 | % |
Education |  |  | 3 |  |  |  |  |  |  | 3 |  | 0.15 | % |
Other consumer |  |  |  |  | 1 |  |  |  |  | 1 |  | 0.02 | % |
Total consumer |  | 1 |  | 3 |  | 89 |  | 46 |  | 10 |  |  | 15 |  | 164 |  | 0.16 | % |
Total |  | $ | 16 |  | $ | 1,452 |  | $ | 196 |  | $ | 46 |  | $ | 10 |  | $ | 20 |  | $ | 206 |  | $ | 1,946 |  | 0.61 | % |
(a)At September 30, 2023, there were $0.3 billion of unfunded lending related commitments associated with FDMs. (b)Excludes the amortized cost basis of modified loans that were paid off, charged off or otherwise liquidated as of period end. (c)Includes 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. Amounts also include trial modifications. Table 47 presents the financial effect of FDMs granted during the three and nine months ended September 30, 2023: Table 47: Financial Effect of FDMs (a)
Three months ended September 30, 2023 Dollars in millions |  |  | Weighted-Average Interest Rate Reduction | Weighted-Average Term Extension (in Months) | Weighted-Average Payment Delay (in Months)
Commercial |  |  |  |  |
Commercial and industrial |  |  | 0.25 | % | 13 | 6
Commercial real estate |  |  |  | 13 | 8
Consumer |  |  |  |  |
Residential real estate |  |  | 0.72 | % |  | 10
Home equity |  |  |  |  |  | 5
Education |  |  |  | 15 |
Nine months ended September 30, 2023 Dollars in millions |  |  |  |  |
Commercial |  |  |  |  |
Commercial and industrial |  |  | 0.25 | % | 12 | 6
Commercial real estate |  |  |  | 16 | 8
Consumer |  |  |  |  |
Residential real estate |  |  | 1.13 | % | 118 | 9
Home equity |  |  | 1.17 | % | 53 | 4
Education |  |  |  | 16 |
(a)Excludes the financial effects of modifications for loans that were paid off, charged off or otherwise liquidated as of period end. After we modify a loan, we continue to track its performance under its most recent modified terms. The following table presents the performance, as of September 30, 2023, of FDMs granted during the nine months ended September 30, 2023: Table 48: Delinquency Status of FDMs (a)
Nine months ended September 30, 2023 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 | Nonperforming Loans | Total
Commercial |  |  |  |  |  |
Commercial and industrial | $ | 801 |  |  |  |  |  | $ | 3 |  | $ | 156 |  | $ | 960 |
Commercial real estate | 755 |  |  |  |  |  |  |  | 67 |  | 822 |
Total commercial | 1,556 |  |  |  |  |  | 3 |  | 223 |  | 1,782 |
Consumer |  |  |  |  |  |  |
Residential real estate | 4 |  | $ | 1 |  |  |  |  |  | 88 |  | 93 |
Home equity | 1 |  |  |  |  |  |  |  | 21 |  | 22 |
Credit card | 31 |  | 4 |  | $ | 3 |  | 6 |  | 1 |  | 45 |
Education | 3 |  |  |  |  |  |  |  |  |  | 3 |
Other consumer |  |  |  |  |  |  |  |  | 1 |  | 1 |
Total consumer | 39 |  | 5 |  | 3 |  | 6 |  | 111 |  | 164 |
Total | $ | 1,595 |  | $ | 5 |  | $ | 3 |  | $ | 9 |  | $ | 334 |  | $ | 1,946 |
(a)Represents amortized cost basis.
Financial Impact and TDRs by Concession Type | Table 49 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, 2022. 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 in our 2022 Form 10-K for additional discussion of TDRs. Table 49: 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 |  |
(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 occurred.
Rollforward of 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 for a discussion of the methodologies used to determine this allowance. A rollforward of the ACL related to loans follows: Table 50: Rollforward of Allowance for Credit Losses
| Three months ended September 30 |  |  | Nine months ended September 30
| 2023 | 2022 |  |  | 2023 | 2022
In millions | Commercial | Consumer | Total | Commercial | Consumer | Total |  |  | Commercial | Consumer | Total | Commercial | Consumer | Total
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,142 |  | $ | 1,595 |  | $ | 4,737 |  | $ | 2,937 |  | $ | 1,525 |  | $ | 4,462 |  |  |  | $ | 3,114 |  | $ | 1,627 |  | $ | 4,741 |  | $ | 3,185 |  | $ | 1,683 |  | $ | 4,868 |
Adoption of ASU 2022-02 (a) |  |  |  |  |  |  |  |  |  |  |  | (35) |  | (35) |  |  |  |  |
Beginning balance, adjusted | 3,142 |  | 1,595 |  | 4,737 |  | 2,937 |  | 1,525 |  | 4,462 |  |  |  | 3,114 |  | 1,592 |  | 4,706 |  | 3,185 |  | 1,683 |  | 4,868 |
Charge-offs | (72) |  | (161) |  | (233) |  | (73) |  | (149) |  | (222) |  |  |  | (327) |  | (481) |  | (808) |  | (162) |  | (506) |  | (668) |
Recoveries | 49 |  | 63 |  | 112 |  | 25 |  | 78 |  | 103 |  |  |  | 110 |  | 188 |  | 298 |  | 78 |  | 251 |  | 329 |
Net (charge-offs) | (23) |  | (98) |  | (121) |  | (48) |  | (71) |  | (119) |  |  |  | (217) |  | (293) |  | (510) |  | (84) |  | (255) |  | (339) |
Provision for (recapture of) credit losses | 105 |  | 48 |  | 153 |  | 174 |  | 67 |  | 241 |  |  |  | 325 |  | 246 |  | 571 |  | (34) |  | 93 |  | 59 |
Other | (2) |  |  |  | (2) |  | (2) |  | (1) |  | (3) |  |  |  |  |  |  |  |  |  | (6) |  | (1) |  | (7) |
Ending balance | $ | 3,222 |  | $ | 1,545 |  | $ | 4,767 |  | $ | 3,061 |  | $ | 1,520 |  | $ | 4,581 |  |  |  | $ | 3,222 |  | $ | 1,545 |  | $ | 4,767 |  | $ | 3,061 |  | $ | 1,520 |  | $ | 4,581 |
Allowance for unfunded lending related commitments (b) |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 555 |  | $ | 108 |  | $ | 663 |  | $ | 630 |  | $ | 51 |  | $ | 681 |  |  |  | $ | 613 |  | $ | 81 |  | $ | 694 |  | $ | 564 |  | $ | 98 |  | $ | 662 |
Provision for (recapture of) credit losses | (22) |  | (1) |  | (23) |  | (22) |  | 23 |  | 1 |  |  |  | (80) |  | 26 |  | (54) |  | 44 |  | (24) |  | 20 |
Ending balance | $ | 533 |  | $ | 107 |  | $ | 640 |  | $ | 608 |  | $ | 74 |  | $ | 682 |  |  |  | $ | 533 |  | $ | 107 |  | $ | 640 |  | $ | 608 |  | $ | 74 |  | $ | 682 |
Allowance for credit losses at September 30 (c) | $ | 3,755 |  | $ | 1,652 |  | $ | 5,407 |  | $ | 3,669 |  | $ | 1,594 |  | $ | 5,263 |  |  |  | $ | 3,755 |  | $ | 1,652 |  | $ | 5,407 |  | $ | 3,669 |  | $ | 1,594 |  | $ | 5,263 |
(a)Represents the impact of adopting ASU 2022-02 on January 1, 2023. As a result of adoption, we eliminated the accounting guidance for TDRs, including the use of a discounted cash flow approach to measure the allowance for TDRs. (b)See Note 8 Commitments for additional information about the underlying commitments related to this allowance. (c)Represents the ALLL plus allowance for unfunded lending related commitments and excludes allowances for investment securities and other financial assets, which together totaled $131 million and $162 million at September 30, 2023 and 2022, respectively.

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