AmazonScience/document-haystack
Document Haystack Dataset This repository contains the dataset for the paper “Document Haystack: A Long Context Multimodal Image/Document Understanding Vision LLM Benchmark”. 📑 Abstract Paper The proliferation of multimodal Large Language Models has significantly advanced the ability to analyze and understand complex data inputs from different modalities. However, the processing of long documents remains under-explored, largely due to a lack of suitable… See the full description on the dataset page: https://huggingface.co/datasets/AmazonScience/document-haystack.
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1We use several credit quality indicators, as further detailed in Note 3 Loans and Related Allowance for Credit Losses, to monitor and 2measure our exposure to credit risk within our loan portfolio. The following provides additional information about the significant loan 3classes that comprise our Commercial and Consumer portfolio segments.4Commercial5Commercial and Industrial6Commercial and industrial loans comprised 55% and 56% of our total loan portfolio at December 31, 2023 and 2022, respectively. 7The majority of our commercial and industrial loans are secured by collateral that provides a secondary source of repayment should a 8borrower experience cash generation difficulties. Examples of this collateral include short-term assets, such as accounts receivable, 9inventory and securities, and long-lived assets, such as equipment, owner-occupied real estate and other business assets. 10We actively manage our commercial and industrial loans to assess any changes (both positive and negative) in the level of credit risk 11at both the borrower and portfolio level. To evaluate the level of credit risk, we assign internal risk ratings reflecting our estimates of 12the borrower’s PD and LGD for each related credit facility. This two-dimensional credit risk rating methodology provides granularity 13in the risk monitoring process and is updated on an ongoing basis through our credit risk management processes. In addition to 14monitoring the level of credit risk, we also monitor concentrations of credit risk pertaining to both specific industries and geographies 15that may exist in our portfolio. Our commercial and industrial portfolio is well-diversified across industries as shown in the following 16table (based on the North American Industry Classification System).17Table 16: Commercial and Industrial Loans by Industry 18December 31, 2023 December 31, 202219Dollars in millions Amount % of Total Amount % of Total20Commercial and industrial21Manufacturing $ 28,989 16 % $ 30,845 17 %22Financial services 28,422 16 21,320 12 23Retail/wholesale trade 28,198 16 29,176 16 24Service providers 21,354 12 23,548 13 25Real estate related (a) 16,235 9 17,780 10 26Technology, media & telecommunications 10,249 6 11,845 7 27Health care 9,808 6 10,649 6 28Transportation and warehousing 7,733 4 7,858 4 29Other industries 26,592 15 29,198 15 30Total commercial and industrial loans $ 177,580 100 % $ 182,219 100 %31(a) Represents loans to customers in the real estate and construction industries.32Owner occupied commercial real estate loans totaled $9.6 billion at December 31, 2023 and are included in commercial and industrial 33loans as the credit decisioning for servicing these loans is based on the financial conditions of the owner, not the ability of the 34collateral to generate income. Owner occupied commercial real estate loans are well-diversified across industries.35Commercial Real Estate36Commercial real estate loans comprised $21.0 billion related to commercial mortgages on income-producing properties, $8.0 billion of 37intermediate-term financing loans, and $6.4 billion of real estate construction project loans as of December 31, 2023. Comparable 38amounts as of December 31, 2022 were $22.3 billion, $7.6 billion, and $6.4 billion, respectively. Commercial real estate primarily 39consists of an investment in land and/or buildings held to generate income, that income serves as the primary source for the repayment 40of the loan. However, for all commercial real estate assets, the disposition of the assigned collateral serves as a secondary source of 41repayment for the loan should the borrower experience cash generation difficulties. 42We monitor credit risk associated with our commercial real estate loans similar to commercial and industrial loans by analyzing PD 43and LGD. Additionally, risks associated with commercial real estate loans tend to be correlated to the loan structure, collateral location 44and quality, project progress and business environment. These attributes are also monitored and utilized in assessing credit risk. The 45portfolio is geographically diverse due to the nature of our business involving clients throughout the U.S. 46 47The PNC Financial Services Group, Inc. – 2023 Form 10-K 61