<SEC-DOCUMENT>0001193125-21-241930.txt : 20210810
<SEC-HEADER>0001193125-21-241930.hdr.sgml : 20210810
<ACCEPTANCE-DATETIME>20210810164458
ACCESSION NUMBER:		0001193125-21-241930
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20210810
DATE AS OF CHANGE:		20210810

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PNC FINANCIAL SERVICES GROUP, INC.
		CENTRAL INDEX KEY:			0000713676
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251435979
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-228804
		FILM NUMBER:		211160586

	BUSINESS ADDRESS:	
		STREET 1:		THE TOWER AT PNC PLAZA
		STREET 2:		300 FIFTH AVENUE
		CITY:			PITTSBURGH
		STATE:			PA
		ZIP:			15222-2401
		BUSINESS PHONE:		888-762-2265

	MAIL ADDRESS:	
		STREET 1:		THE TOWER AT PNC PLAZA
		STREET 2:		300 FIFTH AVENUE
		CITY:			PITTSBURGH
		STATE:			PA
		ZIP:			15222-2401

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC FINANCIAL SERVICES GROUP INC
		DATE OF NAME CHANGE:	20000327

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC BANK CORP
		DATE OF NAME CHANGE:	19930505

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC BANK CORP /PA/
		DATE OF NAME CHANGE:	19930428

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PNC FINANCIAL SERVICES GROUP, INC.
		CENTRAL INDEX KEY:			0000713676
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251435979
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		FWP

	BUSINESS ADDRESS:	
		STREET 1:		THE TOWER AT PNC PLAZA
		STREET 2:		300 FIFTH AVENUE
		CITY:			PITTSBURGH
		STATE:			PA
		ZIP:			15222-2401
		BUSINESS PHONE:		888-762-2265

	MAIL ADDRESS:	
		STREET 1:		THE TOWER AT PNC PLAZA
		STREET 2:		300 FIFTH AVENUE
		CITY:			PITTSBURGH
		STATE:			PA
		ZIP:			15222-2401

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC FINANCIAL SERVICES GROUP INC
		DATE OF NAME CHANGE:	20000327

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC BANK CORP
		DATE OF NAME CHANGE:	19930505

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	PNC BANK CORP /PA/
		DATE OF NAME CHANGE:	19930428
</SEC-HEADER>
<DOCUMENT>
<TYPE>FWP
<SEQUENCE>1
<FILENAME>d169743dfwp.htm
<DESCRIPTION>FWP
<TEXT>
<HTML><HEAD>
<TITLE>FWP</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Filed Pursuant to Rule 433 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-228804</FONT> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g169743g0810094521953.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE PNC FINANCIAL SERVICES GROUP, INC. </B></P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$700,000,000 1.15% SENIOR NOTES DUE AUGUST&nbsp;13, 2026 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="73%"></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Issuer:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">The PNC Financial Services Group, Inc.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Security:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">1.15% Senior Notes due August&nbsp;13, 2026 (the &#147;Senior Notes&#148;)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Ranking:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Senior</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Expected Security Ratings:*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">A3 / <FONT STYLE="white-space:nowrap">A-</FONT> / A (Moody&#146;s / S&amp;P / Fitch)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Principal Amount:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$700,000,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Price to Investors:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">99.811% of face amount</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Minimum Denomination/Multiples:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$2,000 / multiples of $1,000 in excess thereof</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Trade Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">August&nbsp;10, 2021</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Settlement Date:**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">August&nbsp;13, 2021 (T+3)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Maturity:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">August&nbsp;13, 2026</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Use of Proceeds:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">To finance or refinance, in whole or in part, Eligible Social Projects (as defined in the prospectus supplement), as described in the prospectus supplement.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Optional Redemption Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Redeemable, in whole or in part, by the Issuer on or after the 30th day prior to the maturity date at 100% of the principal amount of the Senior Notes, plus accrued and unpaid interest thereon to the redemption date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Coupon:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">1.15% per annum</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Interest Payment Dates:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Semi-annually in arrears on August&nbsp;13 and February&nbsp;13 of each year, commencing on February&nbsp;13, 2022 and ending on the earlier of the optional redemption date or the maturity date.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Day Count:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">30/360; Following Business Day Convention (Unadjusted)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Reference Benchmark:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">UST 0.625% due July&nbsp;31, 2026</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Reference Benchmark Yield:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">0.819%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Spread to Benchmark:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">37 basis points</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="white-space:nowrap">Re-offer</FONT> Yield:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">1.189%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">CUSIP/ISIN:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">693475 BB0 / US693475BB04</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Book-Running Manager:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">PNC Capital Markets LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Senior <FONT STYLE="white-space:nowrap">Co-Managers:</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Academy Securities, Inc.</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Loop Capital Markets LLC</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Samuel A. Ramirez&nbsp;&amp; Company, Inc.</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Siebert Williams Shank&nbsp;&amp; Co., LLC</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Note: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to
revision or withdrawal at any time. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Note: We expect that delivery of the Senior Notes will be made against payment therefor on the third business
day following the date hereof (such settlement cycle being referred to as &#147;T+3&#148;). Under Rule <FONT STYLE="white-space:nowrap">15c6-1</FONT> of the Securities Exchange Act of 1934, trades in the secondary market generally are required to
settle in two business days unless the parties to a trade expressly agree otherwise. Accordingly, purchasers who wish to trade Senior Notes prior to the second business day before settlement will be required, by virtue of the fact that the Senior
Notes initially will settle in T+3, to specify alternative settlement arrangements to prevent a failed settlement. Such purchasers should consult their own advisors. </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Conflict of Interest </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Because our affiliate, PNC Capital Markets LLC, is participating in this offering, PNC Capital Markets LLC is deemed to have a &#147;conflict of
interest&#148; within the meaning of Financial Industry Regulatory Authority (&#147;FINRA&#148;) Rule 5121. Accordingly, the distribution arrangements for this offering comply with the requirements of FINRA Rule 5121 regarding a FINRA member
firm&#146;s participation in the distribution of securities of an affiliate. In accordance with Rule 5121, PNC Capital Markets LLC may not make sales in this offering to any discretionary account without the prior approval of the customer. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The PNC Financial Services Group, Inc. has filed a registration statement (including a prospectus) with the SEC for the offering to which this communication
relates. Before you invest, you should read the prospectus in that registration statement, the preliminary prospectus supplement dated today and other documents The PNC Financial Services Group, Inc. has filed with the SEC for more complete
information about The PNC Financial Services Group, Inc. and this offering. You may get these documents for free by visiting EDGAR on the SEC web site at www.sec.gov. Alternatively, The PNC Financial Services Group, Inc., any underwriter or any
dealer participating in the offering will arrange to send you the prospectus or the preliminary prospectus supplement if you request it by calling PNC Capital Markets LLC at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">1-855-881-0697.</FONT></FONT></FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Any disclaimer or other notice that may appear below is not applicable to this
communication and should be disregarded. Such disclaimer or notice was automatically generated as a result of this communication being sent by Bloomberg or another email system. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>g169743g0810094521953.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g169743g0810094521953.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  T +P# 2(  A$! Q$!_\0
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BHKO.0**** "BBB@ HHHH **** "BBB@ HHHH **** /_V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
