PNC Financial Services Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans increased by 10.0% to $1.10B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 10.0%, from $1.00B to $1.10B. Over 5 years (FY 2020 to FY 2025), Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans shows a downward trend with a -3.3% CAGR.
Changes reflect shifts in loan origination volume, pricing strategies, or the acquisition of loan portfolios at premiums or discounts.
This metric aggregates unearned income, unamortized deferred fees, and costs associated with loan originations, as well...
Standard accounting adjustment for banks; peers report these as part of the net loan balance calculation.
other_financing_receivable_deferred_income| 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 | $1.00B | $900.00M | $700.00M | $700.00M | $700.00M | $700.00M | $900.00M | $800.00M | $800.00M | $800.00M | $1.00B | $900.00M | $900.00M | $900.00M | $1.00B | $900.00M | $1.00B | $1.00B | $1.10B |
| QoQ Change | — | -10.0% | -22.2% | +0.0% | +0.0% | +0.0% | +28.6% | -11.1% | +0.0% | +0.0% | +25.0% | -10.0% | +0.0% | +0.0% | +11.1% | -10.0% | +11.1% | +0.0% | +10.0% |
| YoY Change | — | — | — | — | -30.0% | -22.2% | +28.6% | +14.3% | +14.3% | +14.3% | +11.1% | +12.5% | +12.5% | +12.5% | +0.0% | +0.0% | +11.1% | +11.1% | +10.0% |