PNC Financial Services Group Inc (NYSE: PNC) is a financial services company that provides retail banking, corporate and institutional banking, asset management, and related financial services. It makes money through net interest income on loans and deposits, fees from brokerage and fiduciary services, and other financial service charges. PNC operates primarily within the United States, with foreign business activities described in its FY2025 10-K (filed 2026-02-20) as a relatively small part of overall operations. The company is subject to regulatory oversight from the Federal Reserve and the OCC, which govern its capital, liquidity, and permissible activities. PNC's lending business spans consumer and commercial customers, with commercial real estate identified as one sector where higher interest rates have affected borrower creditworthiness. Dividends and capital returns to shareholders are subject to compliance with regulatory capital requirements set by the Federal Reserve.

Revenue model

Net interest income from loans and interest-bearing deposits, plus fee income from brokerage, fiduciary, and other financial services.

Products and services

Retail banking, corporate and institutional banking, asset management, brokerage, fiduciary services, loans, deposits, and financial instruments.

Customers and end markets

Retail consumers, commercial borrowers, corporate and institutional clients, commercial real estate borrowers.

Value-chain role

Deposit-taking bank and financial intermediary providing credit, investment, and advisory services.

Geographic exposure

Primarily United States; foreign operations described as a relatively small part of overall business as of the FY2025 10-K filed 2026-02-20.

Source: SEC 10-K, filed 2026-02-20

Industry: National Commercial Banks Peers: Truist Financial Corp Citizens Financial Group Inc Fifth Third Bancorp M&T Bank Corp FIRST REPUBLIC BANK Huntington Bancshares Inc KeyCorp Regions Financial Corp SVB FINANCIAL GROUP