Form 8-K

8-K — PNC FINANCIAL SERVICES GROUP, INC.

Accession: 0000713676-26-000026

Filed: 2026-04-15

Period: 2026-04-15

CIK: 0000713676

SIC: 6021 (NATIONAL COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — pnc-20260415.htm (Primary)

EX-99.1 (q12026financialhighlightsa.htm)

EX-99.2 (q12026financialsupplement.htm)

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GRAPHIC (newsrelease_headerimage002.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: pnc-20260415.htm · Sequence: 1

pnc-20260415

0000713676false00007136762026-04-152026-04-15

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

April 15, 2026

Date of Report (Date of earliest event reported)

THE PNC FINANCIAL SERVICES GROUP, INC.

(Exact name of registrant as specified in its charter)

Commission File Number 001-09718

Pennsylvania 25-1435979

(State or other jurisdiction of (I.R.S. Employer

incorporation) Identification No.)

The Tower at PNC Plaza

300 Fifth Avenue

Pittsburgh, Pennsylvania 15222-2401

(Address of principal executive offices, including zip code)

(888) 762-2265

(Registrant’s telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to 12(b) of the Act:

Title of Each Class Trading Symbol(s)

Name of Each Exchange

on Which Registered

Common Stock, par value $5.00 PNC New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On April 15, 2026, The PNC Financial Services Group, Inc. (“PNC”) issued a press release regarding PNC’s earnings and business results for the first quarter of 2026. A copy of PNC’s press release is included in this Report as Exhibit 99.1 and is furnished herewith.

In connection therewith, PNC provided supplementary financial information on its website. A copy of PNC’s supplementary financial information is included in this Report as Exhibit 99.2 and is furnished herewith.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Number Description Method of Filing

99.1

Press release dated April 15, 2026

Furnished herewith

99.2

Financial Supplement (unaudited) for the First Quarter 2026

Furnished herewith

104 The cover page of this Current Report on Form 8-K, formatted in Inline XBRL.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

THE PNC FINANCIAL SERVICES GROUP, INC.

(Registrant)

Date: April 15, 2026 By: /s/ Gregory H. Kozich

Gregory H. Kozich

Senior Vice President and Controller

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EX-99.1

Filename: q12026financialhighlightsa.htm · Sequence: 2

Document

Exhibit 99.1

PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 as Adjusted

NII increased 6%, NIM of 2.95%; grew average loans 7%; ~$700 million of share repurchases

PITTSBURGH, Apr. 15, 2026 – The PNC Financial Services Group, Inc. (NYSE: PNC) today reported:

For the quarter

In millions, except per share data and as noted 1Q26 4Q25 1Q25

First Quarter Highlights

▪

Financial Results

Comparisons reflect 1Q26 vs. 4Q25

Net interest income (NII) $ 3,961 $ 3,731 $ 3,476

Income Statement

▪First quarter results include FirstBank operations since acquisition close on Jan. 5th 2026

▪Adjusted EPS was $4.32, excluding FirstBank integration costs of $98 million, pre-tax

▪Revenue increased 2%

–NII increased 6%; NIM of 2.95% increased 11 bps

–Fee income decreased 2%

–Other noninterest income of $125 million

▪Noninterest expense increased 5% primarily due to FirstBank operating and integration expenses. Excluding integration expenses, noninterest expense increased 2%

▪Balance Sheet

▪Average loans increased $23.0 billion, or 7%, driven by loans acquired from FirstBank and commercial loan growth

–Total loans increased $29.4 billion, or 9%

▪Average deposits grew $18.8 billion, or 4%, driven by FirstBank deposits

▪Net loan charge-offs were $253 million and included $45 million of acquired net loan charge-offs related to FirstBank loans.

▪Maintained strong capital position

–CET1 capital ratio of 10.1%

–Returned $1.4 billion to shareholders through $0.7 billion of share repurchases and $0.7 billion of common stock dividends

Fee income (non-GAAP)

2,079 2,123 1,839

Other noninterest income 125 217 137

Noninterest income 2,204 2,340 1,976

Revenue 6,165 6,071 5,452

Noninterest expense 3,768 3,603 3,387

Pretax, pre-provision earnings (PPNR) (non-GAAP)

2,397 2,468 2,065

Integration costs 98 — —

PPNR excluding integration costs (non-GAAP)

2,495 2,468 2,065

Provision for credit losses 210 139 219

Net income 1,772 2,033 1,499

Per Common Share

Diluted earnings per share (EPS) $ 4.13 $ 4.88 $ 3.51

Diluted EPS - as adjusted (non-GAAP)

4.32 4.88 3.51

Average diluted common shares outstanding 405 394 398

Book value 143.65 140.44 127.98

Tangible book value (TBV) (non-GAAP)

109.42 112.51 100.40

Balance Sheet & Credit Quality

Average loans In billions

$ 350.9 $ 327.9 $ 316.6

Average deposits In billions

458.4 439.5 420.6

Net loan charge-offs 253 162 205

Acquired net loan charge-offs 45 — —

Non-acquired net loan charge-offs 208 162 205

Allowance for credit losses to total loans 1.52 % 1.58 % 1.64 %

Selected Ratios

Return on average common shareholders’ equity 11.92 % 14.33 % 11.60 %

Return on average assets 1.19 1.40 1.09

Net interest margin (NIM) (non-GAAP)

2.95 2.84 2.78

Noninterest income to total revenue 36 39 36

Efficiency 61 59 62

Efficiency excluding integration costs (non-GAAP) 60 59 62

Common equity tier 1 (CET1) capital ratio 10.1 10.6 10.6

See non-GAAP financial measures in the Consolidated Financial Highlights accompanying this release. Totals may not sum due to rounding.

From Bill Demchak, PNC Chairman and Chief Executive Officer:

“2026 is off to a great start for PNC. During the first quarter we successfully closed the FirstBank acquisition, and in addition, generated strong legacy loan growth. Client activity remains robust across all our geographies, and importantly, we’re well positioned to continue our strong momentum.”

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 2

Acquisition of FirstBank

▪On January 5, 2026, PNC completed its acquisition of FirstBank Holding Company, including its banking subsidiary FirstBank. At close, FirstBank had $26 billion of assets, $16 billion of loans and $23 billion of deposits. Effective January 5, 2026, FirstBank’s financial results are included in PNC’s consolidated operations and, during the first quarter of 2026, PNC incurred $98 million, pre-tax, of the expected total integration costs of $325 million.

Income Statement Highlights

First quarter 2026 compared with fourth quarter 2025

▪Total revenue of $6.2 billion increased $94 million, or 2%, driven by higher net interest income.

–Net interest income of $4.0 billion increased $230 million, or 6%, reflecting the benefit of FirstBank, lower funding costs and commercial loan growth.

•Net interest margin increased 11 basis points to 2.95% reflecting an 18 basis point decline in the rate paid on interest-bearing deposits.

–Fee income of $2.1 billion decreased $44 million, or 2%, primarily due to a $31 million decline in mortgage servicing rights valuation, net of economic hedge, driven by rate volatility.

–Other noninterest income of $125 million included negative $32 million of Visa derivative adjustments, unfavorable valuation adjustments of private equity investments and $28 million of net securities gains.

▪Noninterest expense of $3.8 billion increased $165 million, or 5%, driven by FirstBank operating and integration expenses, partially offset by seasonally lower marketing spend.

–Excluding integration expenses of $97 million, noninterest expense increased 2%.

▪Provision for credit losses was $210 million in the first quarter and reflected portfolio activity, including loan growth and the addition of FirstBank, as well as updates to macroeconomic factors.

▪The effective tax rate was 19.0% for the first quarter and 12.7% for the fourth quarter. The fourth quarter included the favorable resolution of several tax matters.

Balance Sheet Highlights

First quarter 2026 compared with fourth quarter 2025 or March 31, 2026 compared with December 31, 2025

▪Average loans of $350.9 billion increased $23.0 billion, or 7%. Average commercial loans increased $16.8 billion, or 7%, due to growth within the commercial and industrial portfolio, reflecting new production and increased utilization, as well as the addition of FirstBank loans. Average consumer loans increased $6.1 billion, or 6%, driven by the benefit of acquired FirstBank residential mortgage loans.

–Loans at March 31, 2026 of $360.9 billion increased $29.4 billion, or 9%, from December 31, 2025, reflecting strong commercial loan growth and $15.5 billion of FirstBank loans.

▪Credit quality performance:

–Delinquencies of $1.6 billion increased $115 million, or 8%, primarily due to the addition of FirstBank commercial and consumer loans.

–Total nonperforming loans of $2.2 billion were stable.

–Net loan charge-offs of $253 million increased $91 million and included $45 million of acquired net loan charge-offs related to purchase accounting treatment for certain FirstBank loans. Excluding FirstBank acquired net loan charge-offs, net loan charge-offs were $208 million, an increase of $46 million driven by higher commercial net loan charge-offs.

–The allowance for credit losses of $5.5 billion increased $0.3 billion. The allowance for credit losses to total loans was 1.52% at March 31, 2026 and 1.58% at December 31, 2025.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 3

▪Average investment securities of $144.5 billion increased $2.3 billion, or 2%, reflecting higher residential mortgage-backed securities.

▪Average deposits of $458.4 billion increased $18.8 billion, or 4%, driven by the addition of FirstBank deposits, partially offset by lower brokered time deposits.

▪PNC maintained a strong capital and liquidity position:

–On April 2, 2026, the PNC board of directors declared a quarterly cash dividend on common stock of $1.70 per share to be paid on May 5, 2026 to shareholders of record at the close of business April 14, 2026.

–PNC returned $1.4 billion of capital to shareholders, reflecting $0.7 billion of dividends on common shares and $0.7 billion of common share repurchases.

–Share repurchase activity in the second quarter of 2026 is expected to approximate $600 million to $700 million.

–The Basel III common equity tier 1 capital ratio was an estimated 10.1% at March 31, 2026 and was 10.6% at December 31, 2025.

–PNC’s average LCR for the three months ended March 31, 2026 was 107%, exceeding the regulatory minimum requirement throughout the quarter.

Earnings Summary

In millions, except per share data 1Q26 4Q25 1Q25

Net income $ 1,772 $ 2,033 $ 1,499

Net income attributable to diluted common shareholders $ 1,675 $ 1,922 $ 1,399

Net income attributable to diluted common shareholders - as adjusted (non-GAAP)

$ 1,752 $ 1,922 $ 1,399

Diluted earnings per common share $ 4.13 $ 4.88 $ 3.51

Diluted earnings per common share - as adjusted (non-GAAP)

$ 4.32 $ 4.88 $ 3.51

Average diluted common shares outstanding 405 394 398

Cash dividends declared per common share $ 1.70 $ 1.70 $ 1.60

See non-GAAP financial measures in the Consolidated Financial Highlights accompanying this release.

The Consolidated Financial Highlights accompanying this news release include additional information regarding reconciliations of non-GAAP financial measures to reported (GAAP) amounts. This information supplements results as reported in accordance with GAAP and should not be viewed in isolation from, or as a substitute for, GAAP results. Information in this news release, including the financial tables, is unaudited.

CONSOLIDATED REVENUE REVIEW

Revenue Change Change

1Q26 vs 1Q26 vs

In millions 1Q26 4Q25 1Q25 4Q25 1Q25

Net interest income $ 3,961 $ 3,731 $ 3,476 6 % 14 %

Noninterest income 2,204 2,340 1,976 (6) % 12 %

Total revenue $ 6,165 $ 6,071 $ 5,452 2 % 13 %

Total revenue for the first quarter of 2026 increased $94 million compared to the fourth quarter of 2025 driven by increased net interest income. Compared to the first quarter of 2025, total revenue increased $713 million as a result of growth in both net interest income and noninterest income.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 4

Net interest income of $4.0 billion increased $230 million from the fourth quarter of 2025 and $485 million from the first quarter of 2025. In both comparisons, the increase reflected the benefit of FirstBank, lower funding costs and commercial loan growth.

Net interest margin was 2.95% in the first quarter of 2026, increasing 11 basis points from the fourth quarter of 2025, reflecting an 18 basis point decline in the rate paid on interest-bearing deposits. Compared to the first quarter of 2025 net interest margin expanded 17 basis points.

Noninterest Income Change Change

1Q26 vs 1Q26 vs

In millions 1Q26 4Q25 1Q25 4Q25 1Q25

Asset management and brokerage $ 420 $ 411 $ 391 2 % 7 %

Capital markets and advisory 463 489 306 (5) % 51 %

Card and cash management 738 733 692 1 % 7 %

Lending and deposit services 340 342 316 (1) % 8 %

Residential and commercial mortgage 118 148 134 (20) % (12) %

Fee income (non-GAAP)

2,079 2,123 1,839 (2) % 13 %

Other 125 217 137 (42) % (9) %

Total noninterest income $ 2,204 $ 2,340 $ 1,976 (6) % 12 %

Noninterest income for the first quarter of 2026 decreased $136 million, or 6%, compared with the fourth quarter of 2025 and increased $228 million, or 12%, from the first quarter of 2025.

In comparison to the fourth quarter of 2025, fee income decreased $44 million, or 2%. Asset management and brokerage fees increased $9 million as a result of higher average equity markets and increased client activity. Capital markets and advisory revenue decreased $26 million as both higher underwriting and trading revenue were more than offset by lower merger and acquisition advisory fees. Card and cash management revenue increased $5 million and included higher treasury management product revenue. Residential and commercial mortgage revenue decreased $30 million due to a $31 million decline in mortgage servicing rights valuation, net of economic hedge driven by rate volatility.

Compared to the first quarter of 2025, fee income increased $240 million, or 13%, driven by broad-based growth across business lines and fee income categories.

Other noninterest income of $125 million in the first quarter of 2026 included negative $32 million of Visa derivative adjustments, unfavorable valuation adjustments of private equity investments and $28 million of net securities gains.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 5

CONSOLIDATED EXPENSE REVIEW

Noninterest Expense Change Change

1Q26 vs 1Q26 vs

In millions 1Q26 4Q25 1Q25 4Q25 1Q25

Personnel $ 2,106 $ 2,033 $ 1,890 4 % 11 %

Occupancy 262 247 245 6 % 7 %

Equipment 415 412 384 1 % 8 %

Marketing 87 101 85 (14) % 2 %

Other 898 810 783 11 % 15 %

Total noninterest expense $ 3,768 $ 3,603 $ 3,387 5 % 11 %

Integration expense 97 — —

Noninterest expense, excluding integration expense (non-GAAP)

$ 3,671 $ 3,603 $ 3,387 2 % 8 %

Noninterest expense for the first quarter of 2026 increased $165 million compared to the fourth quarter of 2025 and $381 million compared with the first quarter of 2025. In both comparisons, the increase included FirstBank operating and integration expenses. In comparison to the fourth quarter of 2025, the increase was partially offset by seasonally lower marketing spend. Compared to the first quarter of 2025, the increase was also the result of increased business activity and continued investments to support business growth.

The effective tax rate was 19.0% for the first quarter of 2026, 12.7% for the fourth quarter of 2025 and 18.8% for the first quarter of 2025. The fourth quarter of 2025 included the favorable resolution of several tax matters.

CONSOLIDATED BALANCE SHEET REVIEW

Loans Change Change

1Q26 vs 1Q26 vs

In billions 1Q26 4Q25 1Q25 4Q25 1Q25

Average

Commercial and industrial $ 211.4 $ 198.7 $ 184.0 6 % 15 %

Commercial real estate 34.4 30.2 33.1 14 % 4 %

Commercial $ 245.7 $ 228.9 $ 217.1 7 % 13 %

Consumer 105.2 99.0 99.5 6 % 6 %

Average loans $ 350.9 $ 327.9 $ 316.6 7 % 11 %

Quarter end

Commercial and industrial $ 221.2 $ 202.9 $ 187.3 9 % 18 %

Commercial real estate 34.8 29.6 32.3 18 % 8 %

Commercial $ 256.0 $ 232.5 $ 219.6 10 % 17 %

Consumer 105.0 99.0 99.3 6 % 6 %

Total loans $ 360.9 $ 331.5 $ 318.9 9 % 13 %

Totals may not sum due to rounding

Average loans for the first quarter of 2026 increased $23.0 billion compared to the fourth quarter of 2025 and $34.3 billion compared to the first quarter of 2025.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 6

Average commercial loans increased $16.8 billion and $28.6 billion compared to the fourth quarter of 2025 and the first quarter of 2025, respectively. In both comparisons, growth within the commercial and industrial portfolio was driven by strong new production, increased utilization and the addition of FirstBank loans. The increase in commercial real estate loans was attributable to acquired FirstBank loans.

Average consumer loans increased $6.1 billion and $5.6 billion compared to the fourth quarter of 2025 and the first quarter of 2025 driven by the benefit of acquired FirstBank residential mortgage loans.

Loans at March 31, 2026 increased $29.4 billion and $42.1 billion from December 31, 2025 and March 31, 2025, respectively. In both comparisons, the increase included $15.5 billion of FirstBank loans, comprised of $3.2 billion of commercial and industrial loans, $5.1 billion of commercial real estate loans and $7.2 billion of consumer loans. Excluding the impact of the FirstBank acquisition, growth in both comparisons was driven by strong activity across the legacy commercial and industrial portfolio. Compared to December 31, 2025, the increase was also attributable to modest growth in the legacy PNC commercial real estate portfolio.

Average Investment Securities Change Change

1Q26 vs 1Q26 vs

In billions 1Q26 4Q25 1Q25 4Q25 1Q25

Available for sale $ 71.6 $ 69.9 $ 65.7 2 % 9 %

Held to maturity 72.9 72.3 76.5 1 % (5) %

Total $ 144.5 $ 142.2 $ 142.2 2 % 2 %

Average investment securities of $144.5 billion in the first quarter of 2026 increased $2.3 billion compared to both the fourth quarter of 2025 and the first quarter of 2025. In both comparisons, the increase reflected higher residential mortgage-backed securities.

The duration of the investment securities portfolio was 3.6 years as of March 31, 2026, 3.5 years as of December 31, 2025 and 3.4 years as of March 31, 2025. Net unrealized losses on available-for-sale securities were $2.1 billion at March 31, 2026, $1.8 billion at December 31, 2025 and $2.7 billion at March 31, 2025.

Average Deposits Change Change

1Q26 vs 1Q26 vs

In billions 1Q26 4Q25 1Q25 4Q25 1Q25

Commercial $ 229.6 $ 224.0 $ 206.5 3 % 11 %

Consumer 226.9 210.1 209.5 8 % 8 %

Brokered time deposits 1.9 5.4 4.7 (65) % (60) %

Total $ 458.4 $ 439.5 $ 420.6 4 % 9 %

IB % of total avg. deposits 78 % 78 % 78 %

NIB % of total avg. deposits 22 % 22 % 22 %

IB - Interest-bearing

NIB - Noninterest-bearing

Totals may not sum due to rounding

First quarter 2026 average deposits of $458.4 billion increased $18.8 billion compared to the fourth quarter of 2025 and $37.7 billion compared to the first quarter of 2025 driven by the addition of FirstBank deposits, partially offset by lower brokered time deposits.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 7

Average Borrowed Funds Change Change

1Q26 vs 1Q26 vs

In billions 1Q26 4Q25 1Q25 4Q25 1Q25

Total $ 62.9 $ 60.3 $ 64.5 4 % (3) %

Avg. borrowed funds to avg. liabilities 12 % 12 % 13 %

Average borrowed funds of $62.9 billion in the first quarter of 2026 increased $2.6 billion compared to the fourth quarter of 2025 and reflected increases in Federal Home Loan Bank advances. Average borrowed funds decreased $1.6 billion compared to the first quarter of 2025 primarily due to lower Federal Home Loan Bank advances, partially offset by higher senior debt outstanding.

Capital March 31, 2026 December 31, 2025 March 31, 2025

Common shareholders’ equity In billions

$ 57.8 $ 54.8 $ 50.7

Accumulated other comprehensive income (loss)

In billions

$ (3.8) $ (3.4) $ (5.2)

Basel III common equity tier 1 capital ratio * 10.1 % 10.6 % 10.6 %

*March 31, 2026 ratio is estimated.

PNC maintained a strong capital position. Common shareholders’ equity at March 31, 2026 increased $3.0 billion from December 31, 2025 primarily due to common stock issuance related to the FirstBank acquisition.

As a Category III institution, PNC has elected to exclude accumulated other comprehensive income related to both available-for-sale securities and pension and other post-retirement plans from CET1 capital. Accumulated other comprehensive income was negative $3.8 billion at March 31, 2026 compared to negative $3.4 billion at December 31, 2025 and negative $5.2 billion at March 31, 2025. The change in each comparison reflected the impact of interest rate movements on securities and swaps and the continued accretion of unrealized losses.

In the first quarter of 2026, PNC returned $1.4 billion of capital to shareholders, reflecting $0.7 billion of dividends on common shares and $0.7 billion of common share repurchases. The Stress Capital Buffer (SCB) framework permits capital return in amounts in excess of SCB minimum levels. Consistent with this framework, PNC had approximately 32% of the 100 million common shares still available for repurchase at March 31, 2026 under the repurchase program previously approved by our board of directors.

Share repurchase activity in the second quarter of 2026 is expected to approximate $600 million to $700 million. PNC may adjust share repurchase activity depending on market and economic conditions, as well as other factors.

PNC’s SCB for the four-quarter period beginning October 1, 2025 is the regulatory minimum of 2.5%. On April 2, 2026, the PNC board of directors declared a quarterly cash dividend on common stock of $1.70 per share to be paid on May 5, 2026 to shareholders of record at the close of business April 14, 2026.

At March 31, 2026, PNC was considered “well capitalized” based on applicable U.S. regulatory capital ratio requirements. For additional information regarding PNC’s Basel III capital ratios, see Capital Ratios in the Consolidated Financial Highlights.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 8

CREDIT QUALITY REVIEW

Credit Quality Change Change

March 31, 2026 December 31, 2025 March 31, 2025 03/31/26 vs 03/31/26 vs

In millions 12/31/25 03/31/25

Provision for credit losses (a) $ 210 $ 139 $ 219 $ 71 $ (9)

Net loan charge-offs (a) $ 253 $ 162 $ 205 56 % 23 %

Acquired net loan charge-offs $ 45 — —

Non-acquired net loan charge-offs $ 208 $ 162 $ 205 28 % 1 %

Allowance for credit losses (b) $ 5,495 $ 5,228 $ 5,218 5 % 5 %

Total delinquencies (c) $ 1,558 $ 1,443 $ 1,431 8 % 9 %

Nonperforming loans $ 2,243 $ 2,218 $ 2,292 1 % (2) %

Net charge-offs to average loans (annualized) 0.29 % 0.20 % 0.26 %

Acquired net loan charge-offs to average loans (annualized) 0.05 % — —

Non-acquired net loan charge-offs to average loans (annualized) 0.24 % 0.20 % 0.26 %

Allowance for credit losses to total loans 1.52 % 1.58 % 1.64 %

Nonperforming loans to total loans 0.62 % 0.67 % 0.72 %

(a) Represents amounts for the three months ended for each respective period

(b) Excludes allowances for investment securities and other financial assets

Provision for credit losses was $210 million in the first quarter of 2026 and reflected portfolio activity, including loan growth and the addition of FirstBank, as well as updates to macroeconomic factors. Provision for credit losses was $139 million in the fourth quarter of 2025 and $219 million in the first quarter of 2025.

Net loan charge-offs were $253 million in the first quarter of 2026, and included $45 million of acquired net loan charge-offs related to purchase accounting treatment for certain FirstBank loans. Excluding FirstBank acquired net loan charge-offs, net loan charge-offs were $208 million, or 0.24% annualized to average loans, increasing $46 million compared to the fourth quarter of 2025 due to higher commercial net loan charge-offs.

The allowance for credit losses was $5.5 billion at March 31, 2026, and $5.2 billion at December 31, 2025 and March 31, 2025. The allowance for credit losses as a percentage of total loans was 1.52% at March 31, 2026, 1.58% at December 31, 2025 and 1.64% at March 31, 2025.

Delinquencies at March 31, 2026 were $1.6 billion, increasing $115 million from December 31, 2025 and $127 million from March 31, 2025. In both comparisons the increase was primarily due to the addition of FirstBank commercial and consumer loans.

Nonperforming loans of $2.2 billion at March 31, 2026 were stable compared to December 31, 2025 and decreased modestly from March 31, 2025.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 9

BUSINESS SEGMENT RESULTS

Business Segment Income (Loss)

In millions 1Q26 4Q25 1Q25

Retail Banking $ 1,320 $ 1,241 $ 1,121

Corporate & Institutional Banking 1,400 1,514 1,244

Asset Management Group 118 121 105

Other (1,078) (856) (989)

Net income excluding noncontrolling interests $ 1,760 $ 2,020 $ 1,481

Retail Banking Change Change

1Q26 vs 1Q26 vs

In millions 1Q26 4Q25 1Q25 4Q25 1Q25

Net interest income $ 3,198 $ 2,989 $ 2,836 $ 209 $ 362

Noninterest income $ 770 $ 770 $ 706 — $ 64

Noninterest expense $ 2,115 $ 1,977 $ 1,902 $ 138 $ 213

Provision for credit losses $ 124 $ 155 $ 168 $ (31) $ (44)

Earnings $ 1,320 $ 1,241 $ 1,121 $ 79 $ 199

In billions

Average loans $ 110.9 $ 97.0 $ 97.8 $ 13.9 $ 13.1

Average deposits $ 268.2 $ 244.1 $ 240.9 $ 24.1 $ 27.3

Net loan charge-offs In millions

$ 118 $ 116 $ 144 $ 2 $ (26)

Retail Banking Highlights

First quarter 2026 compared with fourth quarter 2025

▪Earnings increased 6%, primarily due to higher net interest income as well as a lower provision for credit losses, partially offset by higher noninterest expense.

–Noninterest income was stable as the addition of FirstBank customers offset seasonal declines in consumer activity.

–Noninterest expense increased 7%, primarily reflecting operating expenses from FirstBank.

–Provision for credit losses of $124 million in the first quarter of 2026 reflected the impact of portfolio activity.

▪Average loans increased 14% driven by the benefit of acquired FirstBank commercial and residential mortgage loans.

▪Average deposits increased 10%, primarily due to the benefit of acquired FirstBank interest-bearing and noninterest-bearing deposits.

First quarter 2026 compared with first quarter 2025

▪Earnings increased 18%, driven by higher net interest income and noninterest income as well as a lower provision for credit losses, partially offset by higher noninterest expense.

–Noninterest income increased 9%, and included the addition of FirstBank customers and growth in client activity.

–Noninterest expense increased 11%, primarily due to FirstBank operating expenses and technology investments.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 10

▪Average loans increased 13%, driven by higher commercial and residential real estate loans attributable to acquired FirstBank loans.

▪Average deposits increased 11%, primarily due to the benefit of acquired FirstBank interest-bearing and noninterest-bearing deposits.

Corporate & Institutional Banking Change Change

1Q26 vs 1Q26 vs

In millions 1Q26 4Q25 1Q25 4Q25 1Q25

Net interest income $ 1,838 $ 1,856 $ 1,652 $ (18) $ 186

Noninterest income $ 1,144 $ 1,210 $ 978 $ (66) $ 166

Noninterest expense $ 1,076 $ 1,107 $ 956 $ (31) $ 120

Provision for credit losses $ 77 $ 14 $ 49 $ 63 $ 28

Earnings $ 1,400 $ 1,514 $ 1,244 $ (114) $ 156

In billions

Average loans $ 223.5 $ 214.6 $ 202.2 $ 8.9 $ 21.3

Average deposits $ 161.2 $ 163.8 $ 148.0 $ (2.6) $ 13.2

Net loan charge-offs In millions

$ 92 $ 49 $ 64 $ 43 $ 28

Corporate & Institutional Banking Highlights

First quarter 2026 compared with fourth quarter 2025

▪Earnings decreased 8%, reflecting lower noninterest income, a higher provision for credit losses and lower net interest income, partially offset by lower noninterest expense.

–Noninterest income decreased 5%, driven by a seasonal decline in business activity from record fourth quarter levels.

–Noninterest expense decreased 3%, and included lower variable compensation associated with decreased business activity.

▪Average loans increased 4%, driven by strong new production and increased utilization.

▪Average deposits decreased 2%, reflecting seasonal declines in corporate deposits.

First quarter 2026 compared with first quarter 2025

▪Earnings increased 13%, driven by higher net interest income and noninterest income, partially offset by higher noninterest expense and a higher provision for credit losses.

–Noninterest income increased 17%, primarily due to broad-based increases across the capital markets and advisory businesses and growth in treasury management product revenue.

–Noninterest expense increased 13%, reflecting higher variable compensation associated with increased business activity.

▪Average loans increased 11%, driven by strong new production within the commercial and industrial portfolio.

▪Average deposits increased 9%, due to growth in interest-bearing deposits.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 11

Asset Management Group Change Change

1Q26 vs 1Q26 vs

In millions 1Q26 4Q25 1Q25 4Q25 1Q25

Net interest income $ 189 $ 180 $ 174 $ 9 $ 15

Noninterest income $ 262 $ 260 $ 243 $ 2 $ 19

Noninterest expense $ 292 $ 293 $ 279 $ (1) $ 13

Provision for (recapture of) credit losses $ 5 $ (11) $ 1 $ 16 $ 4

Earnings $ 118 $ 121 $ 105 $ (3) $ 13

In billions

Discretionary client assets under management $ 230 $ 234 $ 210 $ (4) $ 20

Nondiscretionary client assets under administration $ 233 $ 238 $ 201 $ (5) $ 32

Client assets under administration at quarter end $ 463 $ 472 $ 411 $ (9) $ 52

In billions

Average loans $ 14.4 $ 14.1 $ 14.0 $ 0.3 $ 0.4

Average deposits $ 27.7 $ 27.0 $ 27.6 $ 0.7 $ 0.1

Asset Management Group Highlights

First quarter 2026 compared with fourth quarter 2025

▪Earnings decreased 2%, due to a provision for credit losses, partially offset by higher net interest income and noninterest income.

–Noninterest income increased 1%, reflecting higher average equity markets.

–Noninterest expense was stable.

▪Discretionary client assets under management decreased 2%, driven by lower spot equity markets.

▪Average loans increased 2%, primarily due to higher commercial loan balances.

▪Average deposits increased 3%, reflecting seasonal growth.

First quarter 2026 compared with first quarter 2025

▪Earnings increased 12%, due to higher noninterest income and net interest income, partially offset by higher noninterest expense and a higher provision for credit losses.

–Noninterest income increased 8%, reflecting higher average equity markets.

–Noninterest expense increased 5%, due to higher variable compensation associated with increased business activity.

▪Discretionary client assets under management increased 10%, driven by higher spot equity markets and positive net flows.

▪Average loans increased 3%, and included growth in securities-based lending and higher commercial loan balances.

▪Average deposits were stable.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 12

Other

The “Other” category, for the purposes of this release, includes remaining corporate operations that do not meet the criteria for disclosure as a separate reportable business, such as asset and liability management activities, including net securities gains or losses, ACL for investment securities, certain trading activities, certain runoff consumer loan portfolios, private equity investments, intercompany eliminations, corporate overhead net of allocations, tax adjustments that are not allocated to business segments, exited businesses and the residual impact from funds transfer pricing operations.

CONFERENCE CALL AND SUPPLEMENTAL FINANCIAL INFORMATION

PNC Chairman and Chief Executive Officer William S. Demchak and Executive Vice President and Chief Financial Officer Robert Q. Reilly will hold a conference call for investors today at 10:00 a.m. Eastern Time regarding the topics addressed in this news release and the related earnings materials. Dial-in numbers for the conference call are (866) 604-1697 and (215) 268-9875 (international) and Internet access to the live audio listen-only webcast of the call is available at www.pnc.com/investorevents. PNC’s first quarter 2026 earnings materials to accompany the conference call remarks will be available at www.pnc.com/investorevents prior to the beginning of the call. A telephone replay of the call will be available for 30 days at (877) 660-6853 and (201) 612-7415 (international), Access ID 13758610 and a replay of the audio webcast will be available on PNC’s website for 30 days.

The PNC Financial Services Group, Inc. is one of the largest diversified financial services institutions in the United States, organized around its customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management. For information about PNC, visit www.pnc.com.

CONTACTS

MEDIA: INVESTORS:

Anne Pace Bryan Gill

(631) 338-3268 (412) 768-4143

anne.pace@pnc.com investor.relations@pnc.com

[TABULAR MATERIAL FOLLOWS]

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 13

The PNC Financial Services Group, Inc.

Consolidated Financial Highlights (Unaudited)

FINANCIAL RESULTS Three months ended

Dollars in millions, except per share data March 31 December 31 March 31

2026 2025 2025

Revenue

Net interest income $ 3,961 $ 3,731 $ 3,476

Noninterest income 2,204 2,340 1,976

Total revenue 6,165 6,071 5,452

Provision for credit losses 210 139 219

Noninterest expense 3,768 3,603 3,387

Income before income taxes and noncontrolling interests $ 2,187 $ 2,329 $ 1,846

Income taxes 415 296 347

Net income $ 1,772

$ 2,033

$ 1,499

Less:

Net income attributable to noncontrolling interests 12 13 18

Preferred stock dividends (a) 73 83 71

Preferred stock discount accretion and redemptions 1 3 2

Net income attributable to common shareholders $ 1,686 $ 1,934 $ 1,408

Less: Dividends and undistributed earnings allocated to nonvested restricted shares 11 12 9

Net income attributable to diluted common shareholders $ 1,675 $ 1,922 $ 1,399

Per Common Share

Basic $ 4.13 $ 4.88 $ 3.52

Diluted $ 4.13 $ 4.88 $ 3.51

Cash dividends declared per common share $ 1.70

$ 1.70

$ 1.60

Effective tax rate (b) 19.0 % 12.7 % 18.8 %

PERFORMANCE RATIOS

Net interest margin (c) 2.95 % 2.84 % 2.78 %

Noninterest income to total revenue 36 % 39 % 36 %

Efficiency (d) 61 % 59 % 62 %

Return on:

Average common shareholders' equity 11.92 % 14.33 % 11.60 %

Average assets 1.19 % 1.40 % 1.09 %

(a)Dividends are payable quarterly, other than Series S preferred stock, which is payable semiannually.

(b)The effective income tax rates are generally lower than the statutory rate due to the relationship of pretax income to tax credits and earnings that are not subject to tax.

(c)Net interest margin is the total yield on interest-earning assets minus the total rate on interest-bearing liabilities and includes the benefit from use of noninterest-bearing sources. To provide more meaningful comparisons of net interest margins, we use net interest income on a taxable-equivalent basis in calculating average yields used in the calculation of net interest margin by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments. This adjustment is not permitted under generally accepted accounting principles (GAAP) in the Consolidated Income Statement. The taxable-equivalent adjustments to net interest income for the three months ended March 31, 2026, December 31, 2025 and March 31, 2025 were $29 million, $31 million and $28 million, respectively.

(d)Calculated as noninterest expense divided by total revenue.

- more -

PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 14

The PNC Financial Services Group, Inc.

Consolidated Financial Highlights (Unaudited)

March 31 December 31 March 31

2026 2025 2025

BALANCE SHEET DATA

Dollars in millions, except per share data and as noted

Assets $ 603,028 $ 573,572 $ 554,722

Loans (a) $ 360,923 $ 331,481 $ 318,850

Allowance for loan and lease losses $ 4,663 $ 4,410 $ 4,544

Interest-earning deposits with banks $ 26,053 $ 32,936 $ 32,298

Investment securities $ 143,112 $ 138,240 $ 137,775

Total deposits (a) $ 457,648 $ 440,866 $ 422,915

Borrowed funds (a) $ 66,666 $ 57,101 $ 60,722

Allowance for unfunded lending related commitments $ 832 $ 818 $ 674

Total shareholders' equity $ 63,627 $ 60,585 $ 56,405

Common shareholders' equity $ 57,752 $ 54,828 $ 50,654

Accumulated other comprehensive income (loss) $ (3,773) $ (3,408) $ (5,237)

Book value per common share $ 143.65 $ 140.44 $ 127.98

Tangible book value per common share (non-GAAP) (b)

$ 109.42 $ 112.51 $ 100.40

Period end common shares outstanding (In millions)

402 390 396

Loans to deposits 79 % 75 % 75 %

Common shareholders' equity to total assets 9.6 % 9.6 % 9.1 %

CLIENT ASSETS (In billions)

Discretionary client assets under management $ 230 $ 234 $ 210

Nondiscretionary client assets under administration 233 238 201

Total client assets under administration 463 472 411

Brokerage account client assets 93 94 86

Total client assets $ 556 $ 566 $ 497

CAPITAL RATIOS

Basel III (c)

Common equity tier 1 10.1 % 10.6 % 10.6 %

Tier 1 risk-based 11.3 % 11.9 % 11.9 %

Total capital risk-based 13.1 % 13.5 % 13.7 %

Leverage 9.1 % 9.4 % 9.2 %

Supplementary leverage 7.4 % 7.6 % 7.6 %

ASSET QUALITY

Nonperforming loans to total loans 0.62 % 0.67 % 0.72 %

Nonperforming assets to total loans, OREO, foreclosed and other assets (d) 0.66 % 0.71 % 0.73 %

Nonperforming assets to total assets 0.40 % 0.41 % 0.42 %

Net charge-offs to average loans (for the three months ended) (annualized) 0.29 % 0.20 % 0.26 %

Allowance for loan and lease losses to total loans 1.29 % 1.33 % 1.43 %

Allowance for credit losses to total loans (e) 1.52 % 1.58 % 1.64 %

Allowance for loan and lease losses to nonperforming loans 208 % 199 % 198 %

Total delinquencies (In millions) (f)

$ 1,558 $ 1,443 $ 1,431

(a)Amounts include assets and liabilities for which we have elected the fair value option. Our 2025 Form 10-K included, and our first quarter 2026 Form 10-Q will include, additional information regarding these Consolidated Balance Sheet line items.

(b)See the Tangible Book Value per Common Share table on page 17 for additional information.

(c)All ratios are calculated using the regulatory capital methodology applicable to PNC during each period presented and calculated based on the standardized approach. See Capital Ratios on page 15 for additional information. The ratios as of March 31, 2026 are estimated.

(d)Amounts include nonaccrual servicing advances primarily to single asset/single borrower trusts with commercial real estate as collateral totaling $103 million and $105 million at March 31, 2026 and December 31, 2025, respectively.

(e)Excludes allowances for investment securities and other financial assets.

(f)Total delinquencies represent accruing loans 30 days or more past due.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 15

The PNC Financial Services Group, Inc. Consolidated Financial Highlights (Unaudited)

CAPITAL RATIOS

PNC's regulatory risk-based capital ratios in 2026 are calculated using the standardized approach for determining risk-weighted assets. Under the standardized approach for determining credit risk-weighted assets, exposures are generally assigned a pre-defined risk weight. Exposures to high volatility commercial real estate, past due exposures and equity exposures are generally subject to higher risk weights than other types of exposures.

Our Basel III capital ratios may be impacted by changes to the regulatory capital rules and additional regulatory guidance or analysis. The following table summarizes our December 31, 2025, March 31, 2025 and estimated March 31, 2026 capital balances and ratios.

Basel lll Common Equity Tier 1 Capital Ratios

Basel III

March 31

2026

(estimated) December 31

2025 March 31

2025

Dollars in millions

Common stock, related surplus and retained earnings, net of treasury stock $ 61,523 $ 58,235 $ 55,891

Less regulatory capital adjustments:

Goodwill and disallowed intangibles, net of deferred tax liabilities (13,757) (10,901) (10,914)

All other adjustments (82) (75) (84)

Basel III Common equity tier 1 capital $ 47,684 $ 47,259 $ 44,893

Basel III standardized approach risk-weighted assets (a) $ 472,733 $ 444,438 $ 423,931

Basel III Common equity tier 1 capital ratio 10.1 % 10.6 % 10.6 %

(a)Basel III standardized approach risk-weighted assets are based on the Basel III standardized approach rules and include credit and market risk-weighted assets.

- more -

PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 16

The PNC Financial Services Group, Inc. Consolidated Financial Highlights (Unaudited)

NON-GAAP MEASURES

Fee Income (non-GAAP) Three months ended

March 31 December 31 March 31

Dollars in millions 2026 2025 2025

Noninterest income

Asset management and brokerage $ 420 $ 411 $ 391

Capital markets and advisory 463 489 306

Card and cash management 738 733 692

Lending and deposit services 340 342 316

Residential and commercial mortgage 118 148 134

Fee income (non-GAAP)

$ 2,079 $ 2,123 $ 1,839

Other income 125 217 137

Total noninterest income $ 2,204 $ 2,340 $ 1,976

Fee income is a non-GAAP measure and is comprised of noninterest income in the following categories: asset management and brokerage, capital markets and advisory, card and cash management, lending and deposit services, and residential and commercial mortgage. We believe this non-GAAP measure serves as a useful tool for comparison of noninterest income related to fees.

Pretax Pre-Provision Earnings (non-GAAP)

Pretax Pre-Provision Earnings Excluding Integration Costs (non-GAAP)

Three months ended

March 31 December 31 March 31

Dollars in millions 2026 2025 2025

Income before income taxes and noncontrolling interests $ 2,187 $ 2,329 $ 1,846

Provision for credit losses 210 139 219

Pretax pre-provision earnings (non-GAAP)

$ 2,397 $ 2,468 $ 2,065

Integration costs 98 — —

Pretax pre-provision earnings excluding integration costs (non-GAAP)

$ 2,495 $ 2,468 $ 2,065

Pretax pre-provision earnings is a non-GAAP measure and is based on adjusting income before income taxes and noncontrolling interests to exclude provision for credit losses. We believe that pretax, pre-provision earnings is a useful tool to help evaluate the ability to provide for credit costs through operations and provides an additional basis to compare results between periods by isolating the impact of provision for credit losses, which can vary significantly between periods.

Pretax pre-provision earnings excluding integration costs is a non-GAAP measure and is based on adjusting pretax pre-provision earnings to exclude integration costs related to the FirstBank acquisition during the period. We believe that pretax, pre-provision earnings excluding integration costs is a useful tool in understanding PNC's results by providing greater comparability between periods, as well as demonstrating the effect of significant items.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 17

The PNC Financial Services Group, Inc. Consolidated Financial Highlights (Unaudited)

Adjusted Diluted Earnings per Common Share Excluding Integration Costs (non-GAAP)

Three months ended

March 31 Per Common

Dollars in millions, except per share data 2026 Share

Net income attributable to diluted common shareholders $ 1,675 $ 4.13

Integration costs after tax (a) 77 0.19

Adjusted net income attributable to diluted common shareholders excluding integration costs (non-GAAP)

$ 1,752 $ 4.32

Average diluted common shares outstanding (In millions)

405

(a)Statutory tax rate of 21% used to calculate impacts.

The adjusted diluted earnings per common share excluding integration costs is a non-GAAP measure and excludes the integration costs related to the FirstBank acquisition. It is calculated based on adjusting net income attributable to diluted common shareholders by removing post-tax integration costs in the period. We believe this non-GAAP measure serves as a useful tool in understanding PNC's results by providing greater comparability between periods, as well as demonstrating the effect of significant items.

Tangible Book Value per Common Share (non-GAAP)

March 31 December 31 March 31

Dollars in millions, except per share data 2026 2025 2025

Book value per common share $ 143.65

$ 140.44 $ 127.98

Tangible book value per common share

Common shareholders' equity $ 57,752 $ 54,828 $ 50,654

Goodwill and other intangible assets (14,174) (11,138) (11,154)

Deferred tax liabilities on goodwill and other intangible assets 416 237 239

Tangible common shareholders' equity $ 43,994 $ 43,927 $ 39,739

Period-end common shares outstanding (In millions)

402 390 396

Tangible book value per common share (non-GAAP)

$ 109.42

$ 112.51 $ 100.40

Tangible book value per common share is a non-GAAP measure and is calculated based on tangible common shareholders' equity divided by period-end common shares outstanding. We believe this non-GAAP measure serves as a useful tool to help evaluate the strength and discipline of a company’s capital management strategies and as an additional, conservative measure of total company value.

Taxable-Equivalent Net Interest Income (non-GAAP) Three months ended

March 31 December 31 March 31

Dollars in millions 2026 2025 2025

Net interest income $ 3,961 $ 3,731 $ 3,476

Taxable-equivalent adjustments 29 31 28

Net interest income (Fully Taxable-Equivalent - FTE) (non-GAAP)

$ 3,990 $ 3,762 $ 3,504

The interest income earned on certain earning assets is completely or partially exempt from federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments. To provide more meaningful comparisons of net interest income, we use interest income on a taxable-equivalent basis by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments. This adjustment is not permitted under GAAP. Taxable-equivalent net interest income is only used for calculating net interest margin. Net interest income shown elsewhere in this presentation is GAAP net interest income.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 18

The PNC Financial Services Group, Inc. Consolidated Financial Highlights (Unaudited)

Noninterest Expense Excluding Integration Expense (non-GAAP)

Efficiency Ratio Excluding Integration Costs (non-GAAP)

Three months ended Three months ended

March 31 December 31 Change March 31 March 31 Change

Dollars in millions 2026 2025 $ % 2026 2025 $ %

Noninterest expense $ 3,768 $ 3,603 $ 165 5 % $ 3,768 $ 3,387 $ 381 11 %

Integration expense (97) — (97) —

Noninterest expense excluding integration expense (non-GAAP)

$ 3,671 $ 3,603 $ 68 2 % $ 3,671 $ 3,387 $ 284 8 %

Total revenue $ 6,165 $ 6,071 $ 94 2 % $ 6,165 $ 5,452 $ 713 13 %

Integration costs - contra revenue (1) — (1) —

Total revenue excluding integration costs - contra revenue (non-GAAP)

$ 6,166 $ 6,071 $ 95 2 % $ 6,166 $ 5,452 $ 714 13 %

Efficiency ratio (a) 61 % 59 % 61 % 62 %

Efficiency ratio excluding integration costs (non-GAAP) (b)

60 % 59 % 60 % 62 %

(a)Calculated as noninterest expense divided by total revenue.

(b)Calculated as noninterest expense excluding integration expense divided by total revenue excluding integration costs - contra revenue.

Noninterest expense excluding integration expense is a non-GAAP measure and is based on adjusting noninterest expense to exclude integration expense related to the FirstBank acquisition during the period. We believe this non-GAAP measure to be a useful tool for comparison of operating expenses incurred during the normal course of business. The exclusion of integration expense increases comparability across periods, demonstrates the impact of significant items and provides a useful measure for determining PNC’s expenses that are core to our business operations and expected to recur over time.

The efficiency ratio excluding integration costs is a non-GAAP measure and excludes the integration costs related to the FirstBank acquisition. It is calculated based on adjusting the efficiency ratio calculation by excluding integration costs during the period from noninterest expense and total revenue. We believe that this non-GAAP measure is a useful tool for the purpose of evaluating PNC's results.

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PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 19

Cautionary Statement Regarding Forward-Looking Information

We make statements in this news release and related conference call, 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 ratios, asset levels, asset quality, financial position, and other matters regarding or affecting us and our future business and operations, including our sustainability strategy, that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act. Forward-looking statements are typically identified by words such as “believe,” “plan,” “expect,” “anticipate,” “see,” “look,” “intend,” “outlook,” “project,” “forecast,” “estimate,” “goal,” “will,” “should” and other similar words and expressions.

Forward-looking statements are necessarily subject to numerous assumptions, risks and uncertainties, which change over time. Future events or circumstances may change our outlook and may also affect the nature of the assumptions, risks and uncertainties to which our forward-looking statements are subject. Forward-looking statements speak only as of the date made. We do not assume any duty and do not undertake any obligation to update forward-looking statements. Actual results or future events could differ, possibly materially, from those anticipated in forward-looking statements, as well as from historical performance. As a result, we caution against placing undue reliance on any forward-looking statements.

Our forward-looking statements are subject to the following principal risks and uncertainties.

▪Our businesses, financial results and balance sheet values are affected by business and economic conditions, including:

–Changes in interest rates and valuations in debt, equity and other financial markets,

–Disruptions in the U.S. and global financial markets,

–Actions by the Federal Reserve Board, U.S. Treasury and other government agencies, including those that impact money supply, market interest rates and inflation,

–Changes in customer behavior due to changing business and economic conditions or legislative or regulatory initiatives,

–Changes in customers’, suppliers’ and other counterparties’ performance and creditworthiness,

–Impacts of sanctions, tariffs and other trade policies of the U.S. and its global trading partners,

–Impacts of changes in federal, state and local governmental policy, including on the regulatory landscape, capital markets, taxes, infrastructure spending and social programs,

–Our ability to attract, recruit and retain skilled employees, and

–Commodity price volatility.

▪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:

–PNC’s baseline forecast remains for continued expansion in 2026, but slower economic growth in 2026 than in 2024 and 2025. The baseline forecast anticipates real GDP growth slowing to around 1.9% in 2026, with continued modest job gains and the unemployment rate moving slightly higher, to around 4.6% at year’s end. CPI inflation will peak at around 3.5% in mid-2026, with core CPI inflation at around 2.6%. An extended conflict with Iran and higher energy prices are significant risks to the outlook, both for inflation and growth, and a reversal in sentiment around AI or a large decline in equity prices would be drags. Weaker labor force growth could lead to weaker long-run growth.

–Our baseline forecast is for the Federal Reserve to keep the federal funds rate unchanged throughout 2026 and into 2027, in a range between 3.50% and 3.75%. However, there are two-sided risks to this outlook: (1) if the conflict with Iran persists and inflation proves more persistent than expected the Federal Reserve may raise rates, or (2) if growth falters or recession emerges there could be a deep and prolonged easing in monetary policy.

▪PNC’s ability to take certain capital actions, including returning capital to shareholders, is subject to PNC meeting or exceeding minimum capital levels, including a stress capital buffer established by the Federal Reserve Board in connection with the Federal Reserve Board’s Comprehensive Capital Analysis and Review (CCAR) process.

- more -

PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 As Adjusted – Page 20

Cautionary Statement Regarding Forward-Looking Information (Continued)

▪PNC's regulatory capital ratios in the future will depend on, among other things, PNC’s financial performance,

the scope and terms of final capital regulations then in effect and management actions affecting the

composition of PNC’s balance sheet. In addition, PNC’s ability to determine, evaluate and forecast regulatory

capital ratios, and to take actions (such as capital distributions) based on actual or forecasted capital ratios,

will be dependent at least in part on the development, validation and regulatory review of related models and

the reliability of and risks resulting from extensive use of such models.

▪Legal and regulatory developments could have an impact on our ability to operate our businesses, financial condition, results of operations, competitive position, reputation, or pursuit of attractive acquisition opportunities. Reputational impacts could affect matters such as business generation and retention, liquidity, funding, and ability to attract and retain employees. These developments could include:

–Changes to laws and regulations, including changes affecting oversight of the financial services industry, changes in the enforcement and interpretation of such laws and regulations, and changes in accounting and reporting standards.

–Unfavorable resolution of legal proceedings or other claims and regulatory and other governmental investigations or other inquiries resulting in monetary losses, costs, or alterations in our business practices, and potentially causing reputational harm to PNC.

–Results of the regulatory examination and supervision process, including our failure to satisfy requirements of agreements with governmental agencies.

–Costs associated with obtaining rights in intellectual property claimed by others and of adequacy of our intellectual property protection in general.

▪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, derivatives, and capital management techniques, and to meet evolving regulatory capital and liquidity standards.

▪Our reputation and business and operating results may be affected by our ability to appropriately meet or address environmental, social or governance targets, goals, commitments or concerns that may arise.

▪We grow our business in part through acquisitions and new strategic initiatives. Risks and uncertainties include those presented by the nature of the business acquired and strategic initiative, including in some cases those associated with our entry into new businesses or new geographic or other markets and risks resulting from our inexperience in those new areas, as well as risks and uncertainties related to the acquisition transactions themselves, regulatory issues, the integration of the acquired businesses into PNC after closing or any failure to execute strategic or operational plans.

▪Competition can have an impact on customer acquisition, growth and retention and on credit spreads and product pricing, which can affect market share, deposits and revenues. Our ability to anticipate and respond to technological changes can also impact our ability to respond to customer needs and meet competitive demands.

▪Business and operating results can also be affected by widespread manmade, natural and other disasters (including severe weather events), health emergencies, dislocations, geopolitical instabilities or events, terrorist activities, system failures or disruptions, security breaches, cyberattacks, international hostilities, or other extraordinary events beyond PNC’s control through impacts on the economy and financial markets generally or on us or our counterparties, customers or third-party vendors and service providers specifically.

We provide greater detail regarding these as well as other factors in our most recent Form 10-K and in any subsequent Form 10-Qs, including in the Risk Factors and Risk Management sections and the Legal Proceedings and Commitments Notes of the Notes To Consolidated Financial Statements in those reports, and in our other subsequent SEC filings. Our forward-looking statements may also be subject to other risks and uncertainties, including those we may discuss elsewhere in this news release or in our SEC filings, accessible on the SEC’s website at www.sec.gov and on our corporate website at www.pnc.com/secfilings. We have included these web addresses as inactive textual references only. Information on these websites is not part of this document.

###

EX-99.2

Filename: q12026financialsupplement.htm · Sequence: 3

Document

Exhibit 99.2

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

FIRST QUARTER 2026

(Unaudited)

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

FIRST QUARTER 2026

(UNAUDITED)

Consolidated Results:

Page

Income Statement

Balance Sheet

Average Balance Sheet

Details of Net Interest Margin

Loans

Allowance for Credit Losses

6-7

Nonperforming Assets

Accruing Loans Past Due

9-10

Business Segment Results:

Descriptions

Period End Employees

Net Income and Revenue

Retail Banking

13-14

Corporate & Institutional Banking

15-16

Asset Management Group

Glossary of Terms

18-19

The information contained in this Financial Supplement is preliminary, unaudited and based on data available on April 15, 2026. This information speaks only as of the particular date or dates included in the schedules. We do not undertake any obligation to, and disclaim any duty to, correct or update any of the information provided in this Financial Supplement. Our future financial performance is subject to risks and uncertainties as described in our United States Securities and Exchange Commission (SEC) filings.

BUSINESS

PNC is one of the largest diversified financial services companies in the United States (U.S.) and is headquartered in Pittsburgh, Pennsylvania. PNC has businesses engaged in retail banking, corporate and institutional banking and asset management, providing many of its products and services nationally. PNC's retail branch network is located coast-to-coast. PNC also has strategic international offices in four countries outside the U.S.

ACQUISITION OF FIRSTBANK HOLDING COMPANY

On January 5, 2026, PNC completed its acquisition of FirstBank Holding Company, including its banking subsidiary FirstBank. At close, FirstBank had $26 billion of assets, $16 billion of loans and $23 billion of deposits. Effective January 5, 2026, FirstBank’s financial results are included in PNC’s consolidated operations. PNC's previously disclosed amounts do not include FirstBank amounts. PNC's first quarter 2026 Form 10-Q will include additional information on this acquisition.

PRESENTATION OF LOAN CLASSES

Effective January 1, 2026, PNC updated its defined loan classes (classes of financing receivables) as follows: (i) equipment lease financing loans were reclassified to the Commercial and industrial loan class based on similarities in the manner in which credit risk is monitored and assessed within these portfolios, as well as materiality considerations, and (ii) education loans were reclassified to the Other consumer loan class based on materiality considerations. All impacted tables have been updated accordingly, and prior periods have been adjusted to conform with the current presentation.

THE PNC FINANCIAL SERVICES GROUP, INC.

Cross Reference Index to First Quarter 2026 Financial Supplement (Unaudited)

Financial Supplement Table Reference

Table Description Page

Consolidated Income Statement

Consolidated Balance Sheet

Average Consolidated Balance Sheet

Details of Net Interest Margin

Details of Loans

Change in Allowance for Loan and Lease Losses

Components of the Provision for Credit Losses

Allowance for Credit Losses by Loan Class

Nonperforming Assets by Type

Change in Nonperforming Assets

Accruing Loans Past Due 30 to 59 Days

Accruing Loans Past Due 60 to 89 Days

Accruing Loans Past Due 90 Days or More

Period End Employees

Summary of Business Segment Net Income and Revenue

Retail Banking

13-14

Corporate & Institutional Banking

15-16

Asset Management Group

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 1

Table 1: Consolidated Income Statement (Unaudited)

Three months ended

March 31 December 31 September 30 June 30 March 31

In millions, except per share data 2026 2025 2025 2025 2025

Interest Income

Loans $ 4,792 $ 4,640 $ 4,751 $ 4,609 $ 4,472

Investment securities 1,202 1,188 1,211 1,151 1,124

Other 450 552 565 510 534

Total interest income 6,444 6,380 6,527 6,270 6,130

Interest Expense

Deposits 1,735 1,864 1,980 1,845 1,808

Borrowed funds 748 785 899 870 846

Total interest expense 2,483 2,649 2,879 2,715 2,654

Net interest income 3,961 3,731 3,648 3,555 3,476

Noninterest Income

Asset management and brokerage 420 411 404 391 391

Capital markets and advisory 463 489 432 321 306

Card and cash management 738 733 737 737 692

Lending and deposit services 340 342 335 317 316

Residential and commercial mortgage 118 148 161 128 134

Other (a) (b) 125 217 198 212 137

Total noninterest income 2,204 2,340 2,267 2,106 1,976

Total revenue 6,165 6,071 5,915 5,661 5,452

Provision For Credit Losses 210 139 167 254 219

Noninterest Expense

Personnel 2,106 2,033 1,970 1,889 1,890

Occupancy 262 247 235 235 245

Equipment 415 412 416 394 384

Marketing 87 101 93 99 85

Other 898 810 747 766 783

Total noninterest expense 3,768 3,603 3,461 3,383 3,387

Income before income taxes and noncontrolling interests 2,187 2,329 2,287 2,024 1,846

Income taxes 415 296 465 381 347

Net income 1,772 2,033 1,822 1,643 1,499

Less: Net income attributable to noncontrolling interests 12 13 14 16 18

Preferred stock dividends (c) 73 83 71 83 71

Preferred stock discount accretion and redemptions 1 3 2 2 2

Net income attributable to common shareholders $ 1,686 $ 1,934 $ 1,735 $ 1,542 $ 1,408

Earnings Per Common Share

Basic $ 4.13 $ 4.88 $ 4.36 $ 3.86 $ 3.52

Diluted $ 4.13 $ 4.88 $ 4.35 $ 3.85 $ 3.51

Average Common Shares Outstanding

Basic 405 394 396 397 398

Diluted 405 394 396 397 398

Efficiency 61 % 59 % 59 % 60 % 62 %

Noninterest income to total revenue 36 % 39 % 38 % 37 % 36 %

Effective tax rate (d) 19.0 % 12.7 % 20.3 % 18.8 % 18.8 %

(a)Includes net gains (losses) on sale of securities of $28 million, $(7) million, less than $1 million, less than $1 million and $(2) million for the quarters ended March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025.

(b)Includes Visa derivative fair value adjustments of $(32) million, $(41) million, $(35) million, $2 million and $(40) million for the quarters ended March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025. These adjustments are primarily related to escrow funding and the extension of anticipated litigation resolution timing.

(c)Dividends are payable quarterly, other than Series S preferred stock, which is payable semiannually.

(d)The effective income tax rates are generally lower than the statutory rate due to the relationship of pretax income to tax credits and earnings that are not subject to tax.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 2

Table 2: Consolidated Balance Sheet (Unaudited)

March 31 December 31 September 30 June 30 March 31

In millions, except par value 2026 2025 2025 2025 2025

Assets

Cash and due from banks $ 5,646 $ 6,777 $ 5,553 $ 5,939 $ 6,102

Interest-earning deposits with banks (a) 26,053 32,936 33,318 24,455 32,298

Loans held for sale (b) 1,332 1,939 1,104 1,837 1,236

Investment securities – available-for-sale 71,072 68,135 68,297 67,136 63,318

Investment securities – held-to-maturity 72,040 70,105 73,226 75,212 74,457

Loans (b) 360,923 331,481 326,616 326,340 318,850

Allowance for loan and lease losses (4,663) (4,410) (4,478) (4,523) (4,544)

Net loans 356,260 327,071 322,138 321,817 314,306

Equity investments 10,512 10,790 9,972 9,755 9,448

Mortgage servicing rights 3,816 3,659 3,627 3,467 3,564

Goodwill 13,282 10,959 10,962 10,932 10,932

Other (b) 43,015 41,201 40,570 38,557 39,061

Total assets $ 603,028 $ 573,572 $ 568,767 $ 559,107 $ 554,722

Liabilities

Deposits

Noninterest-bearing $ 99,297 $ 91,748 $ 91,207 $ 93,253 $ 92,369

Interest-bearing (b) 358,351 349,118 341,542 333,443 330,546

Total deposits 457,648 440,866 432,749 426,696 422,915

Borrowed funds

Federal Home Loan Bank advances 21,417 13,000 16,100 18,000 18,000

Senior debt 38,021 38,642 38,695 35,750 34,987

Subordinated debt 4,502 3,016 3,512 3,490 4,163

Other (b) 2,726 2,443 4,037 3,184 3,572

Total borrowed funds 66,666 57,101 62,344 60,424 60,722

Allowance for unfunded lending related commitments 832 818 775 759 674

Accrued expenses and other liabilities (b) 14,206 14,151 13,861 13,573 13,960

Total liabilities 539,352 512,936 509,729 501,452 498,271

Equity

Preferred stock (c) — — — — —

Common stock - $5 par value

Authorized 800,000,000 shares, issued 557,213,012; 543,497,966; 543,412,079; 543,412,101 and 543,310,646 shares 2,786 2,717 2,717 2,717 2,717

Capital surplus 21,926 18,922 18,859 18,809 18,731

Retained earnings 64,256 63,266 62,008 60,951 60,051

Accumulated other comprehensive income (loss) (3,773) (3,408) (4,077) (4,682) (5,237)

Common stock held in treasury at cost: 155,167,491; 153,084,091; 151,030,533; 149,426,326 and 147,519,772 shares (21,568) (20,912) (20,517) (20,188) (19,857)

Total shareholders’ equity 63,627 60,585 58,990 57,607 56,405

Noncontrolling interests 49 51 48 48 46

Total equity 63,676 60,636 59,038 57,655 56,451

Total liabilities and equity $ 603,028 $ 573,572 $ 568,767 $ 559,107 $ 554,722

(a)Amounts include balances held with the Federal Reserve Bank of $25.3 billion, $32.0 billion, $32.7 billion, $23.9 billion and $31.9 billion as of March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025, respectively.

(b)Amounts include assets and liabilities for which PNC has elected the fair value option. Our 2025 Form 10-K included, and our first quarter 2026 Form 10-Q will include, additional information regarding these items.

(c)Par value less than $0.5 million at each date.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 3

Table 3: Average Consolidated Balance Sheet (Unaudited) (a) (b)

Three months ended

March 31 December 31 September 30 June 30 March 31

In millions 2026 2025 2025 2025 2025

Assets

Interest-earning assets:

Investment securities

Securities available-for-sale

Residential mortgage-backed $ 34,652 $ 33,564 $ 34,752 $ 34,567 $ 33,793

U.S. Treasury and government agencies 28,491 28,119 26,799 25,372 24,382

Other 8,505 8,202 8,293 7,818 7,505

Total securities available-for-sale 71,648 69,885 69,844 67,757 65,680

Securities held-to-maturity

Residential mortgage-backed 45,078 42,925 42,667 40,440 40,045

U.S. Treasury and government agencies 20,683 23,426 25,540 26,900 28,931

Other 7,117 5,983 6,384 6,838 7,525

Total securities held-to-maturity 72,878 72,334 74,591 74,178 76,501

Total investment securities 144,526 142,219 144,435 141,935 142,181

Loans

Commercial and industrial 211,358 198,726 195,903 191,526 184,025

Commercial real estate 34,367 30,173 30,850 31,838 33,067

Consumer 55,483 54,884 54,238 53,851 53,421

Residential real estate 49,675 44,146 44,941 45,539 46,111

Total loans 350,883 327,929 325,932 322,754 316,624

Interest-earning deposits with banks (c) 32,612 32,009 35,003 31,570 34,614

Other interest-earning assets 12,457 18,618 12,759 11,348 10,147

Total interest-earning assets 540,478 520,775 518,129 507,607 503,566

Noninterest-earning assets 60,984 55,071 53,404 54,079 52,811

Total assets $ 601,462 $ 575,846 $ 571,533 $ 561,686 $ 556,377

Liabilities and Equity

Interest-bearing liabilities:

Interest-bearing deposits

Money market $ 85,196 $ 78,742 $ 75,890 $ 70,909 $ 73,063

Demand 137,558 132,591 128,962 126,222 125,046

Savings 100,940 97,188 96,627 97,028 97,409

Time deposits 35,579 36,180 37,593 35,674 32,763

Total interest-bearing deposits 359,273 344,701 339,072 329,833 328,281

Borrowed funds

Federal Home Loan Bank advances 16,616 14,671 17,615 18,319 19,703

Senior debt 37,383 38,623 38,012 36,142 34,933

Subordinated debt 4,200 3,299 3,616 3,686 4,320

Other 4,675 3,722 7,070 7,146 5,549

Total borrowed funds 62,874 60,315 66,313 65,293 64,505

Total interest-bearing liabilities 422,147 405,016 405,385 395,126 392,786

Noninterest-bearing liabilities and equity:

Noninterest-bearing deposits 99,081 94,834 92,756 93,142 92,367

Accrued expenses and other liabilities 16,944 16,646 15,624 16,942 16,214

Equity 63,290 59,350 57,768 56,476 55,010

Total liabilities and equity $ 601,462 $ 575,846 $ 571,533 $ 561,686 $ 556,377

(a)Calculated using average daily balances.

(b)Nonaccrual loans are included in loans, net of unearned income. The impact of financial derivatives used in interest rate risk management is included in the interest income/expense and average yields/rates of the related assets and liabilities. Fair value adjustments related to hedged items are included in noninterest-earning assets and noninterest-bearing liabilities. Average balances of securities are based on amortized historical cost (excluding adjustments to fair value, which are included in other assets).

(c)Amounts include average balances held with the Federal Reserve Bank of $31.8 billion, $31.3 billion, $34.2 billion, $30.8 billion and $34.2 billion for the three months ended March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025, respectively.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 4

Table 4: Details of Net Interest Margin (Unaudited)

Three months ended

March 31 December 31 September 30 June 30 March 31

2026 2025 2025 2025 2025

Average yields/rates (a)

Yield on interest-earning assets

Investment securities

Securities available-for-sale

Residential mortgage-backed 3.72 % 3.80 % 3.82 % 3.76 % 3.68 %

U.S. Treasury and government agencies 4.04 % 4.29 % 4.58 % 4.55 % 4.50 %

Other 4.00 % 3.97 % 3.91 % 3.69 % 3.65 %

Total securities available-for-sale 3.88 % 4.02 % 4.12 % 4.05 % 3.98 %

Securities held-to-maturity

Residential mortgage-backed 3.20 % 3.13 % 3.07 % 2.90 % 2.84 %

U.S. Treasury and government agencies 1.59 % 1.50 % 1.51 % 1.53 % 1.49 %

Other 4.23 % 4.28 % 4.35 % 4.34 % 4.39 %

Total securities held-to-maturity 2.84 % 2.70 % 2.65 % 2.54 % 2.48 %

Total investment securities 3.36 % 3.35 % 3.36 % 3.26 % 3.17 %

Loans

Commercial and industrial 5.43 % 5.55 % 5.78 % 5.72 % 5.71 %

Commercial real estate 5.79 % 5.92 % 6.06 % 6.01 % 5.94 %

Consumer 6.99 % 7.09 % 7.18 % 7.11 % 7.14 %

Residential real estate 3.97 % 3.74 % 3.75 % 3.76 % 3.78 %

Total loans 5.50 % 5.60 % 5.76 % 5.70 % 5.70 %

Interest-earning deposits with banks 3.64 % 3.92 % 4.34 % 4.38 % 4.42 %

Other interest-earning assets 4.95 % 4.95 % 5.51 % 5.66 % 6.02 %

Total yield on interest-earning assets 4.80 % 4.86 % 4.99 % 4.93 % 4.90 %

Rate on interest-bearing liabilities

Interest-bearing deposits

Money market 2.53 % 2.77 % 3.07 % 3.01 % 2.99 %

Demand 1.61 % 1.78 % 1.96 % 1.89 % 1.87 %

Savings 1.49 % 1.62 % 1.68 % 1.63 % 1.64 %

Time deposits 3.26 % 3.53 % 3.67 % 3.64 % 3.69 %

Total interest-bearing deposits 1.96 % 2.14 % 2.32 % 2.24 % 2.23 %

Borrowed funds

Federal Home Loan Bank advances 3.98 % 4.41 % 4.73 % 4.74 % 4.73 %

Senior debt 5.14 % 5.55 % 5.85 % 5.77 % 5.64 %

Subordinated debt 5.12 % 5.52 % 5.81 % 5.69 % 5.54 %

Other

4.14 % 4.02 % 4.19 % 4.24 % 4.38 %

Total borrowed funds 4.76 % 5.18 % 5.38 % 5.31 % 5.25 %

Total rate on interest-bearing liabilities 2.37 % 2.59 % 2.81 % 2.74 % 2.72 %

Interest rate spread 2.43 % 2.27 % 2.18 % 2.19 % 2.18 %

Benefit from use of noninterest-bearing sources (b) 0.52 % 0.57 % 0.61 % 0.61 % 0.60 %

Net interest margin 2.95 % 2.84 % 2.79 % 2.80 % 2.78 %

(a)Yields and rates are calculated using the applicable annualized interest income or interest expense divided by the applicable average earning assets or interest-bearing liabilities. Net interest margin is the total yield on interest-earning assets minus the total rate on interest-bearing liabilities and includes the benefit from use of noninterest-bearing sources. To provide more meaningful comparisons of net interest margins, we use net interest income on a taxable-equivalent basis in calculating average yields used in the calculation of net interest margin by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments. This adjustment is not permitted under GAAP in the Consolidated Income Statement. The taxable-equivalent adjustments to net interest income for the three months ended March 31, 2026, December 31, 2025, September 30, 2025, June 30, 2025 and March 31, 2025 were $29 million, $31 million, $30 million, $28 million and $28 million, respectively.

(b)Represents the positive effects of investing noninterest-bearing sources in interest-earning assets.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 5

Table 5: Details of Loans (Unaudited)

March 31 December 31 September 30 June 30 March 31

In millions 2026 2025 2025 2025 2025

Commercial

Commercial and industrial

Financial services $ 42,224 $ 37,592 $ 33,939 $ 32,378 $ 29,815

Manufacturing 34,977 30,623 31,044 31,958 29,742

Service providers 27,303 25,552 25,159 24,373 24,206

Wholesale trade 21,146 19,843 19,917 20,045 19,758

Real estate related (a) 17,138 15,275 15,405 15,214 15,370

Technology, media and telecommunications 13,613 12,324 11,594 11,263 10,199

Retail trade 12,973 12,073 12,408 12,970 11,986

Transportation and warehousing 9,872 9,258 8,156 7,865 7,816

Health care 9,526 9,135 9,851 9,873 10,195

Rental and leasing 9,281 9,074 8,940 8,919 8,302

Other industries 23,137 22,149 20,681 20,900 19,880

Total commercial and industrial 221,190 202,898 197,094 195,758 187,269

Commercial real estate 34,770 29,565 30,281 31,250 32,307

Total commercial 255,960 232,463 227,375 227,008 219,576

Consumer

Residential real estate 49,567 43,760 44,637 45,257 45,890

Home equity 26,223 25,941 25,942 25,928 25,846

Automobile 16,325 16,591 16,272 15,892 15,324

Credit card 7,069 7,014 6,636 6,570 6,550

Other consumer 5,779 5,712 5,754 5,685 5,664

Total consumer 104,963 99,018 99,241 99,332 99,274

Total loans $ 360,923 $ 331,481 $ 326,616 $ 326,340 $ 318,850

(a)Represents loans to customers in the real estate and construction industries.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 6

Allowance for Credit Losses (Unaudited)

Table 6: Change in Allowance for Loan and Lease Losses

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Allowance for loan and lease losses

Beginning balance $ 4,410 $ 4,478 $ 4,523 $ 4,544 $ 4,486

Acquisition PCD reserves 93 — — — —

Acquisition PSL reserves (a) 229 — — — —

Adjusted beginning balance 4,732 4,478 4,523 4,544 4,486

Gross charge-offs:

Commercial and industrial (129) (85) (97) (99) (113)

Commercial real estate (19) (15) (19) (64) (18)

Residential real estate (1) — (6) — (2)

Home equity (10) (7) (10) (9) (9)

Automobile (31) (33) (32) (30) (35)

Credit card (74) (73) (76) (81) (90)

Other consumer (45) (43) (44) (41) (45)

Acquired loans (b) (45) — — — —

Total gross charge-offs (354) (256) (284) (324) (312)

Recoveries:

Commercial and industrial 33 33 38 53 42

Commercial real estate 5 3 6 8 5

Residential real estate 2 3 3 3 2

Home equity 8 8 7 12 8

Automobile 20 22 25 24 23

Credit card 20 15 17 15 15

Other consumer 13 10 9 11 12

Total recoveries 101 94 105 126 107

Net (charge-offs) / recoveries:

Commercial and industrial (96) (52) (59) (46) (71)

Commercial real estate (14) (12) (13) (56) (13)

Residential real estate 1 3 (3) 3 —

Home equity (2) 1 (3) 3 (1)

Automobile (11) (11) (7) (6) (12)

Credit card (54) (58) (59) (66) (75)

Other consumer (32) (33) (35) (30) (33)

Acquired loans (45) — — — —

Total net (charge-offs) (253) (162) (179) (198) (205)

Provision for credit losses (c) 188 93 136 171 260

Other (4) 1 (2) 6 3

Ending balance $ 4,663 $ 4,410 $ 4,478 $ 4,523 $ 4,544

Supplemental Information

Net charge-offs

Commercial net charge-offs $ (120) $ (64) $ (72) $ (102) $ (84)

Consumer net charge-offs (133) (98) (107) (96) (121)

Total net charge-offs (253) (162) (179) (198) (205)

Net charge-offs to average loans (annualized) 0.29 % 0.20 % 0.22 % 0.25 % 0.26 %

Commercial 0.18 % 0.11 % 0.13 % 0.18 % 0.16 %

Consumer 0.38 % 0.39 % 0.43 % 0.39 % 0.49 %

(a)On January 1, 2026, we adopted ASU 2025-08 - Financial Instruments - Credit Losses (Topic 326): Purchased Loans, and established the initial ACL for purchased seasoned loans (PSLs). Our first quarter 2026 Form 10-Q will include additional information on the adoption of this ASU.

(b)Primarily represents the charge-off of certain loans previously charged off by FirstBank, which were written up upon acquisition to unpaid principal balance as required by purchase accounting.

(c)See Table 7 for the components of the Provision for credit losses being reported on the Consolidated Income Statement.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 7

Allowance for Credit Losses (Unaudited) (Continued)

Table 7: Components of the Provision for Credit Losses

Three months ended

March 31 December 31 September 30 June 30 March 31

In millions 2026 2025 2025 2025 2025

Provision for credit losses

Loans and leases $ 188 $ 93 $ 136 $ 171 $ 260

Unfunded lending related commitments 14 43 16 84 (46)

Investment securities — — (1) (1) 3

Other financial assets 8 3 16 — 2

Total provision for credit losses $ 210 $ 139 $ 167 $ 254 $ 219

Table 8: Allowance for Credit Losses by Loan Class (a)

March 31, 2026 December 31, 2025 March 31, 2025

Dollars in millions Allowance Amount Total Loans % of Total Loans Allowance Amount Total Loans % of Total Loans Allowance Amount Total Loans % of Total Loans

Allowance for loan and lease losses

Commercial

Commercial and industrial $ 2,149 $ 221,190 0.97 % $ 2,032 $ 202,898 1.00 % $ 1,772 $ 187,269 0.95 %

Commercial real estate 1,120 34,770 3.22 % 1,057 29,565 3.58 % 1,433 32,307 4.44 %

Total commercial 3,269 255,960 1.28 % 3,089 232,463 1.33 % 3,205 219,576 1.46 %

Consumer

Residential real estate 92 49,567 0.19 % 44 43,760 0.10 % 43 45,890 0.09 %

Home equity 275 26,223 1.05 % 271 25,941 1.04 % 286 25,846 1.11 %

Automobile 163 16,325 1.00 % 158 16,591 0.95 % 167 15,324 1.09 %

Credit card 647 7,069 9.15 % 632 7,014 9.01 % 621 6,550 9.48 %

Other consumer 217 5,779 3.75 % 216 5,712 3.78 % 222 5,664 3.92 %

Total consumer 1,394 104,963 1.33 % 1,321 99,018 1.33 % 1,339 99,274 1.35 %

Total

4,663 $ 360,923 1.29 % 4,410 $ 331,481 1.33 % 4,544 $ 318,850 1.43 %

Allowance for unfunded lending related commitments

832 818 674

Allowance for credit losses

$ 5,495 $ 5,228 $ 5,218

Supplemental Information

Allowance for credit losses to total loans

1.52 % 1.58 % 1.64 %

Commercial 1.55 % 1.62 % 1.70 %

Consumer 1.46 % 1.47 % 1.50 %

(a) Excludes allowances for investment securities and other financial assets, which together totaled $103 million, $99 million and $91 million at March 31, 2026, December 31, 2025 and March 31, 2025, respectively.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 8

Details of Nonperforming Assets (Unaudited)

Table 9: Nonperforming Assets by Type

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Nonperforming loans

Commercial

Commercial and industrial

Manufacturing $ 224 $ 98 $ 75 $ 73 $ 98

Service providers 136 116 119 126 143

Wholesale trade 97 161 96 19 16

Retail trade 79 194 36 64 121

Transportation and warehousing 71 62 68 68 48

Health care 42 47 45 54 77

Technology, media and telecommunications 25 27 83 31 52

Real estate related (a) 25 27 20 24 25

Rental and leasing 5 6 13 16 17

Other industries 46 46 64 23 19

Total commercial and industrial 750 784 619 498 616

Commercial real estate 630 574 663 753 851

Total commercial 1,380 1,358 1,282 1,251 1,467

Consumer (b)

Residential real estate 316 320 326 325 287

Home equity 447 439 431 436 437

Automobile 85 83 82 80 83

Credit card 12 13 13 13 15

Other consumer 3 5 3 3 3

Total consumer 863 860 855 857 825

Total nonperforming loans (c) 2,243 2,218 2,137 2,108 2,292

OREO, foreclosed and other assets (d) 139 143 162 33 32

Total nonperforming assets 2,382 2,361 2,299 2,141 2,324

Nonperforming loans to total loans 0.62 % 0.67 % 0.65 % 0.65 % 0.72 %

Nonperforming assets to total loans, OREO, foreclosed and other assets (d) 0.66 % 0.71 % 0.70 % 0.66 % 0.73 %

Nonperforming assets to total assets 0.40 % 0.41 % 0.40 % 0.38 % 0.42 %

Allowance for loan and lease losses to nonperforming loans 208 % 199 % 210 % 215 % 198 %

(a)Represents loans related to customers in the real estate and construction industries.

(b)Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status.

(c)Nonperforming loans exclude certain government insured or guaranteed loans, loans held for sale and loans accounted for under the fair value option.

(d)Amounts include nonaccrual servicing advances primarily to single asset/single borrower trusts with commercial real estate as collateral totaling $103 million, $105 million and $127 million at March 31, 2026, December 31, 2025 and September 30, 2025, respectively.

Table 10: Change in Nonperforming Assets

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Beginning balance $ 2,361 $ 2,299 $ 2,141 $ 2,324 $ 2,357

New nonperforming assets 539 569 653 367 477

Charge-offs and valuation adjustments (152) (91) (103) (149) (135)

Principal activity, including paydowns and payoffs (343) (248) (299) (312) (156)

Asset sales and transfers to loans held for sale (9) (33) (13) (5) (77)

Returned to performing status (95) (135) (80) (84) (142)

Acquired nonperforming assets 81 — — — —

Ending balance $ 2,382 $ 2,361 $ 2,299 $ 2,141 $ 2,324

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 9

Accruing Loans Past Due (Unaudited)

Table 11: Accruing Loans Past Due 30 to 59 Days (a)

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Commercial

Commercial and industrial $ 283 $ 182 $ 161 $ 133 $ 257

Commercial real estate 90 14 9 43 6

Total commercial 373 196 170 176 263

Consumer

Residential real estate

Non government insured 221 170 166 169 208

Government insured 63 73 79 78 79

Home equity 73 70 73 62 71

Automobile 59 74 70 74 73

Credit card 41 45 45 42 45

Other consumer 33 32 32 34 35

Total consumer 490 464 465 459 511

Total $ 863 $ 660 $ 635 $ 635 $ 774

Supplemental Information

Total accruing loans past due 30-59 days to total loans 0.24 % 0.20 % 0.19 % 0.19 % 0.24 %

Commercial 0.15 % 0.08 % 0.07 % 0.08 % 0.12 %

Consumer 0.47 % 0.47 % 0.47 % 0.46 % 0.51 %

(a)Excludes loans held for sale.

Table 12: Accruing Loans Past Due 60 to 89 Days (a)

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Commercial

Commercial and industrial $ 50 $ 103 $ 67 $ 101 $ 45

Commercial real estate 17 98 — 6 —

Total commercial 67 201 67 107 45

Consumer

Residential real estate

Non government insured 69 57 48 52 93

Government insured 41 44 39 39 39

Home equity 32 30 27 28 28

Automobile 15 18 17 19 19

Credit card 31 32 31 32 33

Other consumer 18 21 22 20 21

Total consumer 206 202 184 190 233

Total $ 273 $ 403 $ 251 $ 297 $ 278

Supplemental Information

Total accruing loans past due 60-89 days to total loans 0.08 % 0.12 % 0.08 % 0.09 % 0.09 %

Commercial 0.03 % 0.09 % 0.03 % 0.05 % 0.02 %

Consumer 0.20 % 0.20 % 0.19 % 0.19 % 0.23 %

(a)Excludes loans held for sale.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 10

Accruing Loans Past Due (Unaudited) (Continued)

Table 13: Accruing Loans Past Due 90 Days or More (a)

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Commercial

Commercial and industrial 68 57 71 79 75

Commercial real estate 1 — 1 — —

Total commercial 69 57 72 79 75

Consumer

Residential real estate

Non government insured 50 46 38 53 53

Government insured 195 163 126 129 130

Automobile 5 5 4 5 7

Credit card 64 65 63 64 71

Other consumer 39 44 44 41 43

Total consumer 353 323 275 292 304

Total $ 422 $ 380 $ 347 $ 371 $ 379

Supplemental Information

Total accruing loans past due 90 days or more to total loans 0.12 % 0.11 % 0.11 % 0.11 % 0.12 %

Commercial 0.03 % 0.02 % 0.03 % 0.03 % 0.03 %

Consumer 0.34 % 0.33 % 0.28 % 0.29 % 0.31 %

Total accruing loans past due $ 1,558 $ 1,443 $ 1,233 $ 1,303 $ 1,431

Commercial $ 509 $ 454 $ 309 $ 362 $ 383

Consumer $ 1,049 $ 989 $ 924 $ 941 $ 1,048

Total accruing loans past due to total loans 0.43 % 0.44 % 0.38 % 0.40 % 0.45 %

Commercial 0.20 % 0.20 % 0.14 % 0.16 % 0.17 %

Consumer 1.00 % 1.00 % 0.93 % 0.95 % 1.06 %

(a)Excludes loans held for sale.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 11

Business Segment Descriptions (Unaudited)

Retail Banking provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers who are serviced through our coast-to-coast branch network, digital channels, ATMs, or through our phone-based customer contact centers. Deposit products include checking, savings and money market accounts and time deposits. Lending products include residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans and personal and small business loans and lines of credit. The residential mortgage loans are directly originated within our branch network and nationwide, and are typically underwritten to agency and/or third-party standards, and either sold, servicing retained or held on our balance sheet. PNC Wealth Management offers brokerage, investment management and cash management products and services which include managed, education, retirement and trust accounts.

Corporate & Institutional Banking provides lending, treasury management, capital markets and advisory products and services to mid-sized and large corporations and government and not-for-profit entities. Lending products include secured and unsecured loans, letters of credit and equipment leases. The Treasury Management business provides corporations with cash and investment management services, receivables and disbursement management services, funds transfer services and access to online/mobile information management and reporting services. Capital markets and advisory includes services and activities primarily related to merger and acquisitions advisory, equity capital markets advisory, asset-backed financing, loan syndication, securities underwriting and customer-related trading. We also provide commercial loan servicing and technology solutions for the commercial real estate finance industry. Products and services are provided nationally.

Asset Management Group provides private banking for high net worth and ultra high net worth clients and institutional asset management. The Asset Management Group is composed of two operating units:

•PNC Private Bank provides products and services to emerging affluent, high net worth and ultra high net worth individuals and their families, including investment and retirement planning, customized investment management, credit and cash management solutions, trust management and administration. In addition, multi-generational family planning services are also provided to ultra high net worth individuals and their families, which include estate, financial, tax, fiduciary and customized performance reporting.

•Institutional Asset Management provides outsourced chief investment officer, custody, cash and fixed income client solutions and retirement plan fiduciary investment services to institutional clients, including corporations, healthcare systems, insurance companies, unions, municipalities and non-profits.

Table 14: Period End Employees

March 31 December 31 September 30 June 30 March 31

2026 2025 2025 2025 2025

Full-time employees

Retail Banking 28,046 26,168 26,126 26,291 27,108

Other full-time employees 28,320 27,691 27,397 26,884 26,360

Total full-time employees 56,366 53,859 53,523 53,175 53,468

Part-time employees

Retail Banking 1,389 1,427 1,367 1,465 1,460

Other part-time employees 46 47 48 407 48

Total part-time employees 1,435 1,474 1,415 1,872 1,508

Total 57,801 55,333 54,938 55,047 54,976

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 12

Table 15: Summary of Business Segment Net Income and Revenue (Unaudited) (a)

Three months ended

March 31 December 31 September 30 June 30 March 31

In millions 2026 2025 2025 2025 2025

Net Income

Retail Banking $ 1,320 $ 1,241 $ 1,324 $ 1,359 $ 1,121

Corporate & Institutional Banking 1,400 1,514 1,459 1,229 1,244

Asset Management Group 118 121 117 129 105

Other (1,078) (856) (1,092) (1,090) (989)

Net income excluding noncontrolling interests $ 1,760 $ 2,020 $ 1,808 $ 1,627 $ 1,481

Revenue

Retail Banking $ 3,968 $ 3,759 $ 3,806 $ 3,756 $ 3,542

Corporate & Institutional Banking 2,982 3,066 2,909 2,720 2,630

Asset Management Group 451 440 430 423 417

Other (1,236) (1,194) (1,230) (1,238) (1,137)

Total revenue $ 6,165 $ 6,071 $ 5,915 $ 5,661 $ 5,452

(a)Our business information is presented based on our internal management reporting practices. Net interest income in business segment results reflects PNC’s internal funds transfer pricing methodology. Assets receive a funding charge and liabilities and capital receive a funding credit based on a transfer pricing methodology that incorporates product repricing characteristics, tenor and other factors.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 13

Table 16: Retail Banking (Unaudited) (a)

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Income Statement

Net interest income $ 3,198 $ 2,989 $ 3,016 $ 2,974 $ 2,836

Noninterest income 770 770 790 782 706

Total revenue 3,968 3,759 3,806 3,756 3,542

Provision for credit losses 124 155 126 83 168

Noninterest expense

Personnel 571 535 529 539 538

Segment allocations (b) 1,088 1,020 979 978 967

Depreciation and amortization 132 95 97 87 86

Other (c) 324 327 336 286 311

Total noninterest expense 2,115 1,977 1,941 1,890 1,902

Pre-tax earnings 1,729 1,627 1,739 1,783 1,472

Income taxes 402 379 406 414 342

Noncontrolling interests 7 7 9 10 9

Earnings $ 1,320 $ 1,241 752 $ 1,324 $ 1,359 $ 1,121

Average Balance Sheet

Loans held for sale $ 562 $ 699 $ 785 $ 874 $ 860

Loans

Consumer

Residential real estate $ 38,939 $ 33,336 $ 34,043 $ 34,647 $ 35,197

Home equity 24,913 24,559 24,551 24,551 24,549

Automobile 16,499 16,403 16,035 15,738 15,240

Credit card 6,912 6,754 6,561 6,483 6,568

Other consumer 3,257 3,320 3,334 3,342 3,391

Total consumer 90,520 84,372 84,524 84,761 84,945

Commercial 20,423 12,603 12,353 12,725 12,841

Total loans $ 110,943 $ 96,975 $ 96,877 $ 97,486 $ 97,786

Total assets $ 130,616 $ 113,714 $ 114,146 $ 114,061 $ 115,176

Deposits

Noninterest-bearing $ 58,714 $ 52,125 $ 52,604 $ 52,353 $ 51,307

Interest-bearing 209,519 191,941 190,652 191,190 189,563

Total deposits $ 268,233 $ 244,066 $ 243,256 $ 243,543 $ 240,870

Performance Ratios

Return on average assets 4.10 % 4.33 % 4.60 % 4.78 % 3.95 %

Noninterest income to total revenue 19 % 20 % 21 % 21 % 20 %

Efficiency 53 % 53 % 51 % 50 % 54 %

(continued on following page)

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 14

Retail Banking (Unaudited) (Continued)

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions, except as noted 2026 2025 2025 2025 2025

Supplemental Noninterest Income Information

Asset management and brokerage $ 161 $ 155 $ 154 $ 150 $ 152

Card and cash management $ 322 $ 328 $ 334 $ 328 $ 296

Lending and deposit services $ 200 $ 199 $ 199 $ 190 $ 184

Residential and commercial mortgage $ 63 $ 78 $ 89 $ 61 $ 65

Residential Mortgage Information

Residential mortgage servicing statistics (d)

Serviced portfolio balance (in billions) (e) $ 212 $ 198 $ 199 $ 189 $ 193

MSR asset value (e) $ 2,786 $ 2,638 $ 2,622 $ 2,457 $ 2,523

Servicing income:

Servicing fees, net (f) $ 68 $ 63 $ 60 $ 60 $ 71

Mortgage servicing rights valuation, net of economic hedge $ (27) $ (5) $ 18 $ 2 $ (4)

Residential mortgage loan statistics

Loan origination volume (in billions) $ 1.5 $ 1.6 $ 1.5 $ 1.7 $ 1.0

Loan sale margin percentage 2.25 % 1.88 % 1.67 % 0.91 % 0.58 %

Other Information

Credit-related statistics

Nonperforming assets (e) $ 932 $ 840 $ 827 $ 812 $ 804

Net charge-offs - loans and leases $ 118 $ 116 $ 126 $ 120 $ 144

Other statistics

Branches (e)(g) 2,315 2,224 2,219 2,218 2,217

Brokerage account client assets (in billions) (e)(h) $ 91 $ 91 $ 89 $ 87 $ 84

(a)See note (a) on page 12.

(b)Represents expense allocations for corporate overhead services used by each business segment; primarily comprised of technology, human resources and occupancy-related allocations.

(c)Other is primarily comprised of other direct expenses including outside services and equipment expense.

(d)Represents mortgage loan servicing balances for third parties and the related income.

(e)Presented as of period end.

(f)Servicing fees net of impact of decrease in MSR value due to passage of time, which includes the impact from regularly scheduled loan principal payments, prepayments and loans paid off during the period.

(g)Reflects all branches excluding standalone mortgage offices and satellite offices (e.g., drive-ups, electronic branches and retirement centers) that provide limited products and/or services.

(h)Includes cash and money market balances.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 15

Table 17: Corporate & Institutional Banking (Unaudited) (a)

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Income Statement

Net interest income $ 1,838 $ 1,856 $ 1,777 $ 1,698 $ 1,652

Noninterest income 1,144 1,210 1,132 1,022 978

Total revenue 2,982 3,066 2,909 2,720 2,630

Provision for credit losses 77 14 44 184 49

Noninterest expense

Personnel 460 472 403 370 376

Segment allocations (b) 424 422 387 381 383

Depreciation and amortization 46 55 46 49 51

Other (c) 146 158 140 150 146

Total noninterest expense 1,076 1,107 976 950 956

Pre-tax earnings 1,829 1,945 1,889 1,586 1,625

Income taxes 424 425 425 352 377

Noncontrolling interests 5 6 5 5 4

Earnings $ 1,400 $ 1,514 $ 1,459 $ 1,229 $ 1,244

Average Balance Sheet

Loans held for sale $ 665 $ 632 $ 691 $ 775 $ 255

Loans

Commercial

Commercial and industrial $ 194,711 $ 185,195 $ 182,484 $ 177,630 $ 170,071

Commercial real estate 28,802 29,374 30,032 30,962 32,151

Total commercial 223,513 214,569 212,516 208,592 202,222

Consumer 3 2 2 4 3

Total loans $ 223,516 $ 214,571 $ 212,518 $ 208,596 $ 202,225

Total assets $ 249,789 $ 241,169 $ 238,338 $ 234,391 $ 227,069

Deposits

Noninterest-bearing $ 38,959 $ 41,308 $ 38,732 $ 39,196 $ 39,501

Interest-bearing 122,219 122,457 116,460 107,275 108,503

Total deposits $ 161,178 $ 163,765 $ 155,192 $ 146,471 $ 148,004

Performance Ratios

Return on average assets 2.27 % 2.49 % 2.43 % 2.10 % 2.22 %

Noninterest income to total revenue 38 % 39 % 39 % 38 % 37 %

Efficiency 36 % 36 % 34 % 35 % 36 %

(continued on following page)

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 16

Corporate & Institutional Banking (Unaudited) (Continued)

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions 2026 2025 2025 2025 2025

Other Information

Consolidated revenue from:

Treasury Management (d) $ 1,169 $ 1,197 $ 1,120 $ 1,077 $ 1,049

Commercial mortgage banking activities:

Commercial mortgage loans held for sale (e) $ 14 $ 35 $ 22 $ 24 $ 26

Commercial mortgage loan servicing income (f) 108 115 121 116 94

Commercial mortgage servicing rights valuation, net of economic hedge 28 37 47 36 39

Total $ 150 $ 187 $ 190 $ 176 $ 159

Commercial mortgage servicing statistics

Serviced portfolio balance (in billions) (g)(h) $ 296 $ 294 $ 293 $ 295 $ 294

MSR asset value (g) $ 1,029 $ 1,021 $ 1,006 $ 1,010 $ 1,041

Average loans by C&IB business

Corporate Banking $ 137,550 $ 130,050 $ 126,994 $ 123,069 $ 117,659

Real Estate 41,074 40,836 41,863 42,533 43,283

Business Credit 33,944 32,552 32,412 31,544 30,044

Commercial Banking 7,113 7,007 7,158 7,281 7,343

Other 3,835 4,126 4,091 4,169 3,896

Total average loans $ 223,516 $ 214,571 $ 212,518 $ 208,596 $ 202,225

Credit-related statistics

Nonperforming assets (g) $ 1,309 $ 1,375 $ 1,323 $ 1,160 $ 1,372

Net charge-offs - loans and leases $ 92 $ 49 $ 53 $ 83 $ 64

(a)See note (a) on page 12.

(b)Represents expense allocations for corporate overhead services used by each business segment; primarily comprised of technology, human resources and occupancy-related allocations.

(c)Other is primarily comprised of other direct expenses including outside services and equipment expense.

(d)Amounts are reported in net interest income and noninterest income.

(e)Represents commercial mortgage banking income for valuations on commercial mortgage loans held for sale and related commitments, derivative valuations, origination fees, gains on sale of loans held for sale and net interest income on loans held for sale.

(f)Represents net interest income and noninterest income from loan servicing, net of reduction in commercial mortgage servicing rights due to time and payoffs. Commercial mortgage servicing rights valuation, net of economic hedge is shown separately.

(g)Presented as of period end.

(h)Represents balances related to capitalized servicing.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 17

Table 18: Asset Management Group (Unaudited) (a)

Three months ended

March 31 December 31 September 30 June 30 March 31

Dollars in millions, except as noted 2026 2025 2025 2025 2025

Income Statement

Net interest income $ 189 $ 180 $ 176 $ 179 $ 174

Noninterest income 262 260 254 244 243

Total revenue 451 440 430 423 417

Provision for (recapture of) credit losses 5 (11) 4 (13) 1

Noninterest expense

Personnel 125 120 115 115 121

Segment allocations (b) 127 133 120 118 117

Depreciation and amortization 10 11 9 10 8

Other (c) 30 29 29 25 33

Total noninterest expense 292 293 273 268 279

Pre-tax earnings 154 158 153 168 137

Income taxes 36 37 36 39 32

Earnings $ 118 $ 121 $ 117 $ 129 $ 105

Average Balance Sheet

Loans

Consumer

Residential real estate $ 9,826 $ 9,876 $ 9,937 $ 9,912 $ 9,907

Other consumer 3,735 3,673 3,574 3,543 3,472

Total consumer 13,561 13,549 13,511 13,455 13,379

Commercial 835 566 659 731 657

Total loans $ 14,396 $ 14,115 $ 14,170 $ 14,186 $ 14,036

Total assets $ 14,804 $ 14,505 $ 14,575 $ 14,629 $ 14,482

Deposits

Noninterest-bearing $ 1,411 $ 1,387 $ 1,426 $ 1,585 $ 1,540

Interest-bearing 26,310 25,564 25,437 25,327 26,106

Total deposits $ 27,721 $ 26,951 $ 26,863 $ 26,912 $ 27,646

Performance Ratios

Return on average assets 3.23 % 3.31 % 3.18 % 3.54 % 2.94 %

Noninterest income to total revenue 58 % 59 % 59 % 58 % 58 %

Efficiency 65 % 67 % 63 % 63 % 67 %

Other Information

Nonperforming assets (d) $ 45 $ 52 $ 58 $ 63 $ 36

Net charge-offs (recoveries) - loans and leases $ — $ — $ 2 $ (1) $ —

Client Assets Under Administration (in billions) (d)(e)

Discretionary client assets under management

PNC Private Bank $ 136 $ 138 $ 137 $ 131 $ 127

Institutional Asset Management 94 96 91 86 83

Total discretionary clients assets under management 230 234 228 217 210

Nondiscretionary client assets under administration 233 238 212 204 201

Total $ 463 $ 472 $ 440 $ 421 $ 411

(a)See note (a) on page 12.

(b)Represents expense allocations for corporate overhead services used by each business segment; primarily comprised of technology, human resources and occupancy-related allocations.

(c)Other is primarily comprised of other direct expenses including outside services and equipment expense.

(d)Presented as of period end.

(e)Excludes brokerage account client assets.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 18

Glossary of Terms

Allowance for credit losses (ACL) – A valuation account that is deducted from or added to the amortized cost basis of the related

financial assets to present the net carrying value at the amount expected to be collected on the financial asset.

Amortized cost basis – Amount at which a financial asset is originated or acquired, adjusted for applicable accretion or amortization of premiums, discounts and net deferred fees or costs, collection of cash, charge-offs, foreign exchange and fair value hedge accounting adjustments.

Basel III common equity tier 1 (CET1) capital (Tailoring Rules) – Common stock plus related surplus, net of treasury stock, plus retained earnings, less goodwill, net of associated deferred tax liabilities, less other disallowed intangibles, net of deferred tax liabilities and plus/less other adjustments. Investments in unconsolidated financial institutions, as well as mortgage servicing rights and deferred tax assets, must then be deducted to the extent such items (net of associated deferred tax liabilities) individually exceed 25% of our adjusted Basel III common equity tier 1 capital.

Basel III common equity tier 1 capital ratio – Common equity tier 1 capital divided by period-end risk-weighted assets (as applicable).

Basel III tier 1 capital – Common equity tier 1 capital, plus qualifying preferred stock, plus certain trust preferred capital securities, plus certain noncontrolling interests that are held by others and plus/less other adjustments.

Basel III tier 1 capital ratio – Tier 1 capital divided by period-end risk-weighted assets (as applicable).

Basel III Total capital – Tier 1 capital plus qualifying subordinated debt, plus certain trust preferred securities, plus, under the Basel III transitional rules and the standardized approach, the allowance for loan and lease losses included in tier 2 capital and other.

Basel III Total capital ratio – Basel III Total capital divided by period-end risk-weighted assets (as applicable).

Charge-off – Process of removing a loan or portion of a loan from our balance sheet because it is considered uncollectible. We also record a charge-off when a loan is transferred from portfolio holdings to held for sale by reducing the loan carrying amount to the fair value of the loan, if fair value is less than carrying amount.

Common shareholders’ equity – Total shareholders' equity less the liquidation value of preferred stock.

Credit valuation adjustment – Represents an adjustment to the fair value of our derivatives for our own and counterparties’ non-performance risk.

Criticized commercial loans – Loans with potential or identified weaknesses based upon internal risk ratings that comply with the regulatory classification definitions of “special mention,” “substandard” or “doubtful.”

Current Expected Credit Loss (CECL) – Methodology for estimating the allowance for credit losses on in-scope financial assets held at amortized cost and unfunded lending related commitments which uses a combination of expected losses over a reasonable and supportable forecast period, a reversion period and long run average credit losses for their estimated contractual term.

Discretionary client assets under management – Assets over which we have sole or shared investment authority for our customers/clients. We do not include these assets on our Consolidated Balance Sheet.

Earning assets – Assets that generate income, which include: interest-earning deposits with banks; loans held for sale; loans; investment securities; and certain other assets.

Effective duration – A measurement, expressed in years, that, when multiplied by a change in interest rates, would approximate the percentage change in value of on- and off- balance sheet positions.

Efficiency – Noninterest expense divided by total revenue.

Fair value – The price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.

Fee income – Refers to the following categories within Noninterest income: Asset management and brokerage, Capital markets and advisory, Card and cash management, Lending and deposit services, and Residential and commercial mortgage.

GAAP – Accounting principles generally accepted in the United States of America.

Leverage ratio – Basel III tier 1 capital divided by average quarterly adjusted total assets.

THE PNC FINANCIAL SERVICES GROUP, INC.

Page 19

Nondiscretionary client assets under administration – Assets we hold for our customers/clients in a nondiscretionary, custodial capacity. We do not include these assets on our Consolidated Balance Sheet.

Nonperforming assets – Nonperforming assets include nonperforming loans, OREO, foreclosed and other assets. We do not accrue interest income on assets classified as nonperforming.

Nonperforming loans – Loans accounted for at amortized cost whose credit quality has deteriorated to the extent that full collection of contractual principal and interest is not probable. Interest income is not recognized on nonperforming loans. Nonperforming loans exclude certain government insured or guaranteed loans for which we expect to collect substantially all principal and interest, loans held for sale and loans accounted for under the fair value option.

Operating leverage – The period to period dollar or percentage change in total revenue less the dollar or percentage change in noninterest expense. A positive variance indicates that revenue growth exceeded expense growth (i.e., positive operating leverage) while a negative variance implies expense growth exceeded revenue growth (i.e., negative operating leverage).

Other real estate owned (OREO) and foreclosed assets – Assets taken in settlement of troubled loans primarily through deed-in-lieu of foreclosure or foreclosure. Foreclosed assets include real and personal property. Certain assets that have a government-guarantee which are classified as other receivables are excluded.

Purchased credit deteriorated assets (PCD) – Acquired loans or debt securities that, at acquisition, are determined to have experienced a more-than-insignificant deterioration in credit quality since origination or issuance.

Purchased seasoned loans (PSL) – Acquired loans that, at acquisition, have not experienced a more-than-insignificant credit deterioration since origination and are deemed "seasoned". A loan is seasoned if it was purchased more than 90 days after origination and PNC was not involved in the origination of the loan. All loans that are acquired without credit deterioration through a business combination are deemed "seasoned".

Risk-weighted assets – Computed by the assignment of specific risk-weights (as defined by the Board of Governors of the Federal Reserve System) to assets and off-balance sheet instruments.

Servicing rights – Intangible assets or liabilities created by an obligation to service assets for others. Typical servicing rights include the right to receive a fee for collecting and forwarding payments on loans and related taxes and insurance premiums held in escrow.

Supplementary leverage ratio – Basel III tier 1 capital divided by Supplementary leverage exposure.

Tailoring Rules – Rules adopted by the federal banking agencies to better tailor the application of their capital, liquidity, and enhanced prudential requirements for banking organizations to the asset size and risk profile (as measured by certain regulatory metrics) of the banking organization. Effective January 1, 2020, the agencies' capital and liquidity rules classify all BHCs with $100 billion or more in total assets into one of four categories (Category I, Category II, Category III, and Category IV).

Taxable-equivalent interest income – The interest income earned on certain assets that is completely or partially exempt from federal income tax. These tax-exempt instruments typically yield lower returns than taxable investments.

Unfunded lending related commitments – Standby letters of credit, financial guarantees, commitments to extend credit and similar unfunded obligations that are not unilaterally, unconditionally, cancelable at PNC’s option.

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-Subsection b-2

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Indicate if registrant meets the emerging growth company criteria.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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No definition available.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

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The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

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Local phone number for entity.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

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Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

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-Number 240

-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

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