Pnc Financial Services Group, Inc. (the) · NYSE:PNC
Pnc Financial Services Group, Inc. (the) — BancAnalysts Association of Boston Conference 2025
15 slides from Pnc Financial Services Group, Inc. (the)'s conference presentation, Nov 7, 2025
Slide 1: BancAnalysts Association of Boston Conference
BancAnalysts Association of Boston Conference November 7, 2025 Exhibit 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking and non-GAAP Financial Information
1 Cautionary Statement Regarding Forward-Looking and non-GAAP Financial Information This presentation is not intended as a full business or financial review and should be viewed in the context of all of the information made available by PNC in its SEC filings and on our corporate website. The presen
Slide 3: Leading Retail Banking Franchise
2 Leading Retail Banking Franchise Note: MSAs = metropolitan statistical areas. YTD = for the nine-month period ending Sep. 30. LTM = last twelve months. CAGR = compound annual growth rate. PPNR = Pretax, Pre-Provision Earnings. For non-GAAP figures, see reconciliation in appendix. Footnotes are pre
Slide 4: Straightforward, Client-Focused Strategy
3 Straightforward, Client-Focused Strategy Note: DDAs = demand deposit accounts. Acquire DDA Clients Gain Primacy Deliver Great Service Deepen Client Relationships Scaling Presence to Accelerate Client Growth Investing to Drive Primacy and Improve Client Experience Enhancing Capabilities to Serve Cl
Slide 5: Accelerating the Growth of Our Client Base
9.3 9.4 9.5 9.7 2022 2023 9/30/24 9/30/25 1.1% 2.8% 5.2% Legacy Overall Expansion 4 Accelerating the Growth of Our Client Base Note: Branch network data as of 6/30/2018 and 6/30/2025, respectively. DDAs = demand deposit accounts. 2025 Ann. = annualized as of YTD 9/30/2025. YTD = for the nine-month p
Slide 6: Continuing to Scale Our Presence Across Key Markets
5 Continuing to Scale Our Presence Across Key Markets Note: DDAs = demand deposit accounts. 2025F-2027F = current PNC forecast. Footnotes are presented on slide 14. Powerful SynergiesIncreasing New Branch Builds to >300 by 2030 to Drive Density New Since Previous Announcement Miami +40 Atlanta +25 C
Slide 7: Investing to Drive Primacy and Improve Experiences Across Channels
6 Investing to Drive Primacy and Improve Experiences Across Channels Note: YoY = year-over-year. NPS = net promotor score. Households = consumer DDA households. Footnotes are presented on slide 14. Digital Experience Debit Card Direct Deposit In the Branches 77% of households are digitally active1 7
Slide 8: Enhancing How We Serve Clients Through Their Lifecycles
7 Enhancing How We Serve Clients Through Their Lifecycles Note: 2025 Ann. = annualized as of YTD 9/30/2025. CAGR = compound annual growth rate. YTD = for the nine-month period ending Sep. 30. Footnotes are presented on slide 14. PNC Wealth Management Credit Card Platform Solid Progress But Lots of O
Slide 9: Key Takeaways
8 Key Takeaways Large Retail Bank with Strong Financial Performance Scaling Presence to Accelerate Client Growth Investing to Drive Primacy and Improve Client Experience Enhancing Capabilities to Serve Client Needs Throughout Their Lives
Slide 10: Appendix: Cautionary Statement Regarding Forward-Looking Information
9 Appendix: Cautionary Statement Regarding Forward-Looking Information We make statements in this presentation, and we may from time to time make other statements, regarding our outlook for financial performance, such as earnings, revenues, expenses, tax rates, capital and liquidity levels and ratio
Slide 11: Appendix: Cautionary Statement Regarding Forward-Looking Information
10 Appendix: Cautionary Statement Regarding Forward-Looking Information Our forward-looking financial statements are subject to the risk that economic and financial market conditions will be substantially different than those we are currently expecting. These statements are based on our views that
Slide 12: Appendix: Cautionary Statement Regarding Forward-Looking Information
11 Appendix: Cautionary Statement Regarding Forward-Looking Information Business and operating results are affected by our ability to identify and effectively manage risks inherent in our businesses, including, where appropriate, through effective use of systems and controls, third-party insurance
Slide 13: Appendix: Non-GAAP to GAAP Reconciliation - Pretax, Pre-Provision Earnings
12 Appendix: Non-GAAP to GAAP Reconciliation Pretax, Pre-Provision Earnings (non-GAAP) For the nine months ended $ billions Sep. 30, 2025 Sep. 30, 2022 Retail Banking revenue $11.1 $7.4 Retail Banking noninterest expense 5.7 5.7 Retail Banking Pretax, Pre-Provision Earnings (non-GAAP) $5.4 $1.8 We b
Slide 14: Appendix: Non-GAAP to GAAP Reconciliation - Fee Income
13 Appendix: Non-GAAP to GAAP Reconciliation Fee Income (non-GAAP) For the three months ended For the nine months ended $ millions Sep. 30, 2025 Jun. 30, 2025 Sep. 30, 2024 Sep. 30, 2025 Sep. 30, 2024 Noninterest income Asset management and brokerage $404 $391 $383 $1,186 $1,111 Capital markets and
Slide 15: Presentation Footnotes
14 Presentation Footnotes Slide 2 – Leading Retail Banking Franchise 1. PNC has three reportable business segments: Retail Banking, Corporate & Institutional Banking and the Asset Management Group. 2. Source: FDIC 2025 Summary of Deposits per S&P Global Market Intelligence. Includes all commercial b
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