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Total Equity and Other Comprehensive Income (Tables)

9 Months Ended

Sep. 30, 2025

Equity [Abstract]

Rollforward of Total Equity

Activity in total equity for the three and nine months ended September 30, 2025 and 2024 is as follows:

Table 61: Rollforward of Total Equity

									Shareholders’ Equity
In millions			Shares Outstanding Common Stock						Common Stock			Capital Surplus - Preferred Stock			Capital Surplus - Common Stock and Other			Retained Earnings			Accumulated Other Comprehensive Income (Loss)			Treasury Stock						Noncontrolling Interests			Total Equity
Three months ended
Balance at June 30, 2024 (a)			398						$	2,716		$	6,245		$	12,853		$	57,652		$	(7,446)		$	(19,378)					$	39		$	52,681
Net income			—						—			—			—			1,490			—			—						15			1,505
Other comprehensive income, net of tax			—						—			—			—			—			2,356			—						—			2,356
Cash dividends declared - Common			—						—			—			—			(646)			—			—						—			(646)
Cash dividends declared - Preferred			—						—			—			—			(82)			—			—						—			(82)
Preferred stock discount accretion			—						—			2			—			(2)			—			—						—			—
Treasury stock activity			(1)						—			—			7			—			—			(121)						—			(114)
Other			—						—			—			43			—			—			—						(14)			29
Balance at September 30, 2024 (a)			397						$	2,716		$	6,247		$	12,903		$	58,412		$	(5,090)		$	(19,499)					$	40		$	55,729
Balance at June 30, 2025 (a)			394						$	2,717		$	5,753		$	13,056		$	60,951		$	(4,682)		$	(20,188)					$	48		$	57,655
Net income			—						—			—			—			1,808			—			—						14			1,822
Other comprehensive income, net of tax			—						—			—			—			—			605			—						—			605
Cash dividends declared - Common			—						—			—			—			(678)			—			—						—			(678)
Cash dividends declared - Preferred			—						—			—			—			(71)			—			—						—			(71)
Preferred stock discount accretion			—						—			2			—			(2)			—			—						—			—
Treasury stock activity			(2)						—			—			6			—			—			(329)						—			(323)
Other			—						—			—			42			—			—			—						(14)			28
Balance at September 30, 2025 (a)			392						$	2,717		$	5,755		$	13,104		$	62,008		$	(4,077)		$	(20,517)					$	48		$	59,038
Nine months ended
Balance at December 31, 2023 (a)			398						$	2,716		$	6,241		$	12,779		$	56,290		$	(7,712)		$	(19,209)					$	36		$	51,141
Net income			—						—			—			—			4,279			—			—						47			4,326
Other comprehensive income, net of tax			—						—			—			—			—			2,622			—						—			2,622
Cash dividends declared - Common			—						—			—			—			(1,893)			—			—						—			(1,893)
Cash dividends declared - Preferred			—						—			—			—			(258)			—			—						—			(258)
Preferred stock discount accretion			—						—			6			—			(6)			—			—						—			—
Common stock activity			—						—			—			16			—			—			—						—			16
Treasury stock activity			(1)						—			—			84			—			—			(290)						—			(206)
Other			—						—			—			24			—			—			—						(43)			(19)
Balance at September 30, 2024 (a)			397						$	2,716		$	6,247		$	12,903		$	58,412		$	(5,090)		$	(19,499)					$	40		$	55,729
Balance at December 31, 2024 (a)			396						$	2,717		$	5,749		$	12,961		$	59,282		$	(6,565)		$	(19,719)					$	44		$	54,469
Net income			—						—			—			—			4,916			—			—						48			4,964
Other comprehensive income, net of tax			—						—			—			—			—			2,488			—						—			2,488
Cash dividends declared - Common			—						—			—			—			(1,959)			—			—						—			(1,959)
Cash dividends declared - Preferred			—						—			—			—			(225)			—			—						—			(225)
Preferred stock discount accretion			—						—			6			—			(6)			—			—						—			—
Common stock activity			—						—			—			18			—			—			—						—			18
Treasury stock activity			(4)						—			—			113			—			—			(798)						—			(685)
Other			—						—			—			12			—			—			—						(44)			(32)
Balance at September 30, 2025 (a)			392			$	—		$	2,717		$	5,755		$	13,104		$	62,008		$	(4,077)		$	(20,517)		$	—		$	48		$	59,038

(a)The par value of our preferred stock outstanding was less than $0.5 million at each date and, therefore, is excluded from this presentation.

Other Comprehensive Income (Loss)

Details of other comprehensive income (loss) are as follows:

Table 62: Other Comprehensive Income (Loss)

			Three months ended September 30																								Nine months ended September 30
			2025												2024												2025												2024
In millions			Pre-tax			Tax effect			After-tax						Pre-tax			Tax effect			After-tax						Pre-tax			Tax effect			After-tax						Pre-tax			Tax effect			After-tax
Debt securities
Net unrealized gains on securities			$	495		$	(120)		$	375					$	1,397		$	(336)		$	1,061					$	1,325		$	(322)		$	1,003					$	786		$	(189)		$	597
Less: Net realized (losses) reclassified to earnings (a)			(172)			42			(130)						(224)			53			(171)						(534)			130			(404)						(1,131)			271			(860)
Net change			667			(162)			505						1,621			(389)			1,232						1,859			(452)			1,407						1,917			(460)			1,457
Cash flow hedge derivatives
Net unrealized gains (losses) on cash flow hedge derivatives			(6)			1			(5)						1,162			(279)			883						924			(225)			699						461			(111)			350
Less: Net realized (losses) reclassified to earnings (a)			(142)			35			(107)						(313)			75			(238)						(522)			127			(395)						(1,072)			257			(815)
Net change			136			(34)			102						1,475			(354)			1,121						1,446			(352)			1,094						1,533			(368)			1,165
Pension and other postretirement benefit plan adjustments
Net pension and other postretirement benefit plan activity and other reclassified to earnings (b)			1			—			1						—			—			—						(20)			5			(15)						(1)			—			(1)
Net change			1			—			1						—			—			—						(20)			5			(15)						(1)			—			(1)
Other
Net unrealized gains (losses) on other transactions			(2)			(1)			(3)						(1)			4			3						(5)			7			2						(3)			4			1
Net change			(2)			(1)			(3)						(1)			4			3						(5)			7			2						(3)			4			1
Total other comprehensive income			$	802		$	(197)		$	605					$	3,095		$	(739)		$	2,356					$	3,280		$	(792)		$	2,488					$	3,446		$	(824)		$	2,622

(a)Reclassifications for pre-tax debt securities and cash flow hedges are recorded in Interest income and Noninterest income on the Consolidated Income Statement.

(b)Reclassifications include amortization of actuarial losses (gains) and amortization of prior period service costs (credits), which are recorded in Noninterest expense on the Consolidated Income Statement.

Accumulated Other Comprehensive Income (Loss) Components

Table 63: Accumulated Other Comprehensive Income (Loss) Components

In millions, after-tax			Debt securities						Cash flow hedge derivatives						Pension and other postretirement benefit plan adjustments						Other															Total
Three months ended
Balance at June 30, 2024			$	(5,605)					$	(1,669)					$	(126)					$	(46)														$	(7,446)
Net activity			1,232						1,121						—						3															2,356
Balance at September 30, 2024 (a)			$	(4,373)					$	(548)					$	(126)					$	(43)														$	(5,090)
Balance at June 30, 2025			$	(4,197)					$	(322)					$	(125)					$	(38)														$	(4,682)
Net activity			505						102						1						(3)															605
Balance at September 30, 2025 (a)			$	(3,692)					$	(220)					$	(124)					$	(41)														$	(4,077)
Nine months ended
Balance at December 31, 2023			$	(5,830)					$	(1,713)					$	(125)					$	(44)														$	(7,712)
Net activity			1,457						1,165						(1)						1															2,622
Balance at September 30, 2024 (a)			$	(4,373)					$	(548)					$	(126)					$	(43)														$	(5,090)
Balance at December 31, 2024			$	(5,099)					$	(1,314)					$	(109)					$	(43)														$	(6,565)
Net activity			1,407						1,094						(15)						2															2,488
Balance at September 30, 2025 (a)			$	(3,692)					$	(220)					$	(124)					$	(41)														$	(4,077)

(a)AOCI included pre-tax losses of $255 million and $280 million from derivatives that hedged the purchase of investment securities classified as held-to-maturity at September 30, 2025 and September 30, 2024, respectively.

Dividends Per Share

The following table provides the dividends per share for PNC’s common and preferred stock:

Table 64: Dividends Per Share (a)

			Three months ended September 30						Nine months ended September 30
			2025			2024			2025			2024
Common Stock			$	1.70		$	1.60		$	4.90		$	4.70
Preferred Stock
Series B			$	0.45		$	0.45		$	1.35		$	1.35
Series R			$	—		$	2,209		$	—		$	6,612
Series S			$	—		$	—		$	2,500		$	2,500
Series T			$	850		$	850		$	2,550		$	2,550
Series U			$	1,500		$	1,500		$	4,500		$	4,500
Series V			$	1,550		$	1,550		$	4,650		$	4,650
Series W			$	1,563		$	1,563		$	4,688		$	4,688

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

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