I think the secret sauce for PNC is how many people it can get onto payment arrangements and the resulting increase in liquidations. That probably comes from having higher quality PDPs than CCP. I note that PAs at FY21 were $377m, in March 22 they were $458m, and yesterday they guided toward $515m. To me that's the real story at PNC. As long as the economy/unemployment holds up reasonably well then they are building a wall of cash that is relatively cheap to service.
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I think the secret sauce for PNC is how many people it can get...
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