Pnc Financial Services Group, Inc. (the) · NYSE:PNC
Pnc Financial Services Group, Inc. (the) — BancAnalysts Association of Boston Conference 2022
11 slides from Pnc Financial Services Group, Inc. (the)'s conference presentation, Nov 3, 2022
Slide 1: BancAnalysts Association of Boston Conference
BancAnalysts Association of Boston Conference November 3, 2022 The PNC Financial Services Group ©.PNC Exhibit 99.1
Slide 2: Cautionary Statement Regarding Forward-Looking Information
Cautionary Statement Regarding Forward-Looking Information ©.PNC 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 presentation contains for
Slide 3: No Change in Risk Appetite
No Change in Risk Appetite ©.PNC Risk Appetite Box Consistent and Conservative Underwriting Standards 2
Slide 4: Strong Performance Through the Cycle
Strong Performance Through the Cycle @®PNC Historically Lower Credit Losses Four-Quarter Rolling Average NCOs / Average Loans 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2 st 2 5 Ss 2 x 2 6 2° cy Es = x 8 3 3 5 s = = 2 = = cd = Sg 8 3 Ss =4 3g S Sg i<j 3 3 g S g oS So = 9 = cS) ~ a = 6 = cS) = a
Slide 5: Adequately Reserved
Adequately Reserved ALLL / Annualized NCOs As of 9/30/22 Peer 11 Peer 8 Peer 2 Peer 1 PNC Peer 4 Peer 5 Peer 10 Peer 6 Peer 3 Peer? Peer7 @PNC ACL / Total Loans As of 9/30/22 — ALLL / Annualized NCOs represents the allowance for loan and lease losses divided by annualized net charge-offs (NCO) for t
Slide 6: PNC's Loan Portfolio Overview
PNC’s Loan Portfolio Overview @®PNC Highlights = C&l and Equipment Lease Financing C&l and Equipment Lease Financing $180.0 - 57% of total loans — >70% of loans are secured = Commercial Real Estate — 11% of total loans — Diverse geographically and by asset-class = Consumer Consumer $99.8 — 32% of to
Slide 7: Diversified Commercial Portfolio with Strong Credit Quality
Diversified Commercial Portfolio with Strong Credit Quality @®PNC Technology, Media & Telecom, 5% /- Health Care, 5% _ Equipment Lease Financing, 3% Real Estate Transportation & 4021 1022 2022 3022 Related, 8% © Warehousing, 4% NCOs/AVva. 9.93% 0.04% 0.03% 0.09% — Loans Financial Services, 10% ALLL/
Slide 8: Conservative Consumer Portfolio - More than 90% Secured
Conservative Consumer Portfolio - More than 90% Secured ®© PNC High Quality and Consistent Underwriting Metrics 4021 1022 2022 3022 Residential Real Estate Loans Resident Feat ERENE Loan Origination FICO Score 715 773 772 ™ LTV of Loan Origination 67% 67% 68% 69% Home Equity Loans Other Consumer * v
Slide 9: Appendix: Cautionary Statement
Appendix: Cautionary Statement Regarding Forward-Looking @®PNC 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 r
Slide 10: Appendix: Cautionary Statement
Appendix: Cautionary Statement Regarding Forward-Looking @®PNC 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 and do not take into account potential lega
Slide 11: Appendix: Cautionary Statement
Appendix: Cautionary Statement Regarding Forward-Looking @®PNC 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 insura
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