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The PNC Financial Services Group (PNC) investor relations material
The PNC Financial Services Group The BancAnalysts Association of Boston Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.The BancAnalysts Association of Boston Conference summary7 Nov, 2025
Business performance and strategy
Retail banking franchise serves over 15 million clients, with $243B in deposits and $97B in loans, generating $15B in net revenue over the past year.
Net revenue has grown at a 14% CAGR over three years, while direct expenses have been reduced by $300M, improving efficiency.
Strategy centers on being the primary bank for customers, delivering high service, and scaling both physical and digital channels.
77% of clients are digitally active, with a new mobile app expected in 2026 and recent migration to a new online platform.
Investments in digital and in-person experiences have raised net promoter scores by 10 points in three years.
Expansion and growth initiatives
Branch network expansion targets over 300 new builds by 2030, focusing on high-growth metropolitan areas.
Planned FirstBank acquisition will make the bank a leader in Denver and Phoenix, aiming for scale in 18 of the top 30 U.S. markets by decade's end.
Organic branch builds are expected to drive over $20B in deposit growth, with returns exceeding cost of capital.
Branches reach break-even in under four years, with profitability increasing as they mature.
Expansion markets show higher projected population growth (5.2%) compared to legacy markets (1.1%).
Financial performance and outlook
Total revenue for retail banking reached $11.1B YTD 2025, up from $7.4B in YTD 2022, with pretax, pre-provision earnings at $5.4B.
Fee income for the nine months ended September 30, 2025, was $5.8B, driven by asset management, capital markets, card management, and lending services.
Q4 guidance reaffirmed, with no recent changes; feeling positive about the quarter.
$65B in fixed-rate assets will reprice by end of 2026, expected to drive NII growth; CRE runoff headwinds to inflect in early 2026.
Deposit beta expected to reach mid-40% as rates decline; recent commercial deposit growth was a one-time event.
Sustaining flat expenses with branch growth
M&A strategy and shareholder alignment
NDFI loan book risk profile
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Next The PNC Financial Services Group earnings date
Goldman Sachs U.S. Financial Services Conference9 Dec, 2025
Next The PNC Financial Services Group earnings date
Goldman Sachs U.S. Financial Services Conference9 Dec, 2025
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Frequently asked questions
The Pillar of Pittsburgh
The PNC Financial Services Group, popularly known as PNC Bank, is a well-established US bank. Founded in Pittsburgh, Pennsylvania in 1845, PNC has become a significant figure in the financial world, offering a wide range of services such as retail banking, asset management, corporate and institutional banking, and residential mortgage banking. With its merger with BBVA USA in 2021, PNC has expanded its footprint significantly, operating in more than 30 states across the country, thus solidifying its position as one of the largest banks in the United States.
Pittsburgh Born and Bred
Pittsburgh has been home to PNC Bank since its inception. It started as the Pittsburgh Trust and Savings Company and later merged with the Provident National Corporation to form PNC. Despite its nationwide growth and expansion, the bank’s roots are still very much embedded in Pittsburgh. While PNC now operates on a much larger scale, it has maintained its close connection to the community and has its headquarters in the city’s downtown, being an active contributor to the economic and cultural life of Pittsburgh. One clear example of this is the Pittsburgh Pirates MLB team, who play all of their home games at a ballpark to which PNC owns the naming rights.
Diversified Banking Services
The bank's main business segments include retail banking, asset management, corporate and institutional banking, and residential mortgage banking. Retail banking offers deposit, lending, brokerage, investment management, mortgages, and other traditional services to private individuals and small business customers.
The asset management segment provides wealth management, asset management, and retirement plans. The corporate and institutional banking segment provides lending, treasury management, and capital markets-related products and services.
All in all, the offerings that PNC provides for its customers are more or less in line with the other big banks that they compete against. When looking at the competition, we find names such as Citigroup, JPMorgan, Wells Fargo, and many others.
Preparation for the Digital Era
The digital revolution has affected every industry, and banking is no exception. PNC Bank has made strides to ensure that it remains relevant in the digital age. One way the bank has done this is by introducing Virtual Wallet, a mobile and online banking experience, which brings together banking, budgeting, and savings. This is a clear example of how PNC, like many banks today, continues to improve its digital offerings as customer preferences continue to shift toward online banking.
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