Business Segments · Provision for Credit Losses
Retail Banking — Provision for Credit Losses
PNC Financial Services Retail Banking — Provision for Credit Losses increased by 23.0% to $155.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 46.2%, from $106.00M to $155.00M. Over 3 years (FY 2022 to FY 2025), Retail Banking — Provision for Credit Losses shows an upward trend with a 27.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityVolatile
First reportedQ1 2022
Last reportedQ4 2025
How to read this metric
An increase may signal deteriorating credit quality or a more conservative outlook on the economic environment.
Detailed definition
An expense set aside to cover expected losses from the retail loan portfolio, reflecting the bank's assessment of credit...
Peer comparison
Compared across peers using the provision-to-total-loans ratio.
Metric ID:
pnc_segment_retail_banking_provision_for_credit_lossesHistorical Data
16 periods
| Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $64.75M | $64.75M | $64.75M | $64.75M | $99.00M | $99.00M | $99.00M | $99.00M | $118.00M | $27.00M | $111.00M | $106.00M | $168.00M | $83.00M | $126.00M | $155.00M |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +52.9% | +0.0% | +0.0% | +0.0% | +19.2% | -77.1% | +311.1% | -4.5% | +58.5% | -50.6% | +51.8% | +23.0% |
| YoY Change | — | — | — | — | +52.9% | +52.9% | +52.9% | +52.9% | +19.2% | -72.7% | +12.1% | +7.1% | +42.4% | +207.4% | +13.5% | +46.2% |
Range$27.00M – $168.00M
CAGR+26.2%
Avg YoY Growth+40.6%
Median YoY Growth+44.3%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is PNC Financial Services's retail banking — provision for credit losses?
- PNC Financial Services (PNC) reported retail banking — provision for credit losses of $155.00M in Q4 2025.
- How has PNC Financial Services's retail banking — provision for credit losses changed year-over-year?
- PNC Financial Services's retail banking — provision for credit losses increased by 46.2% year-over-year, from $106.00M to $155.00M.
- What is the long-term trend for PNC Financial Services's retail banking — provision for credit losses?
- Over 3 years (2022 to 2025), PNC Financial Services's retail banking — provision for credit losses has grown at a 27.1% compound annual growth rate (CAGR), from $259.00M to $532.00M.
- What does retail banking — provision for credit losses mean?
- The amount of money set aside to cover potential losses from bad loans.