Discontinued — last reported Q3 '23
Allowance for credit losses
PNC Financial Services Allowance for credit losses decreased by 1.5% to $4.41B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.7%, from $4.49B to $4.41B. Over 5 years (FY 2020 to FY 2025), Allowance for credit losses shows a downward trend with a -3.8% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase often signals management's expectation of deteriorating credit quality or economic headwinds, while a decrease may suggest improved borrower health.
Detailed definition
A contra-asset account representing the bank's estimate of uncollectible amounts within its loan portfolio. This reserve...
Peer comparison
Required by accounting standards (e.g., CECL or IFRS 9) for all banks; essential for comparing risk-adjusted performance.
bank_allowance_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | 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 | $5.73B | $5.36B | $4.87B | $4.56B | $4.46B | $4.58B | $4.74B | $4.74B | $4.74B | $4.77B | $4.79B | $4.69B | $4.64B | $4.59B | $4.49B | $4.54B | $4.52B | $4.48B | $4.41B |
| QoQ Change | — | -6.5% | -9.1% | -6.4% | -2.1% | +2.7% | +3.5% | +0.0% | -0.1% | +0.6% | +0.5% | -2.0% | -1.2% | -1.0% | -2.2% | +1.3% | -0.5% | -1.0% | -1.5% |
| YoY Change | — | — | — | — | -22.1% | -14.5% | -2.6% | +4.0% | +6.2% | +4.1% | +1.1% | -1.0% | -2.1% | -3.7% | -6.4% | -3.2% | -2.4% | -2.4% | -1.7% |
Allowance for credit losses at Other Companies
Frequently Asked Questions
- What is PNC Financial Services's allowance for credit losses?
- PNC Financial Services (PNC) reported allowance for credit losses of $4.41B in Q4 2025.
- How has PNC Financial Services's allowance for credit losses changed year-over-year?
- PNC Financial Services's allowance for credit losses decreased by 1.7% year-over-year, from $4.49B to $4.41B.
- What is the long-term trend for PNC Financial Services's allowance for credit losses?
- Over 5 years (2020 to 2025), PNC Financial Services's allowance for credit losses has grown at a -3.8% compound annual growth rate (CAGR), from $5.36B to $4.41B.
- What does allowance for credit losses mean?
- The amount of money the bank has set aside to cover potential losses from loans that may not be repaid.