Die PNC Financial Services Group, Inc. (PNC): Business Model Canvas

Tauchen Sie ein in die komplexe Welt der PNC Financial Services Group, einem Bankkonzern, der traditionelle Finanzdienstleistungen durch strategische Innovation und kundenorientierte Ansätze transformiert. Durch die meisterhafte Kombination modernster digitaler Technologien mit personalisierten Bankerlebnissen hat PNC ein robustes Geschäftsmodell entwickelt, das sich mit bemerkenswerter Agilität durch die komplexe Finanzlandschaft bewegt. Von umfassenden Privat- und Geschäftsbanklösungen bis hin zu fortschrittlichen Vermögensverwaltungsstrategien zeigt dieser Finanzriese, wie strategische Partnerschaften, technologische Kompetenz und ein tiefes Engagement für die Kundenbedürfnisse ein überzeugendes und anpassungsfähiges Geschäftsökosystem schaffen können, das sich in der wettbewerbsintensiven Bankenbranche von anderen abhebt.

The PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit Technologieanbietern für digitale Banking-Lösungen

PNC hat Partnerschaften mit den folgenden Technologieanbietern aufgebaut:

Technologiepartner	Partnerschaftsfokus	Gründungsjahr
Fiserv Inc.	Kerntechnologie-Infrastruktur des Bankwesens	2019
Microsoft Azure	Cloud Computing und digitale Banking-Plattformen	2020
Salesforce	Kundenbeziehungsmanagementsysteme	2018

Partnerschaften mit Versicherungsunternehmen

PNC arbeitet mit Versicherungsanbietern zusammen, um umfassende Finanzprodukte anzubieten:

• Die Hartford Financial Services Group
• Bundesweite Versicherung
• Chubb Limited

Versicherungspartner	Produktangebote	Umsatzbeteiligung
Das Hartford	Gewerbliche und private Versicherungsprodukte	78 Millionen US-Dollar pro Jahr
Bundesweit	Lebens- und Sachversicherung	62 Millionen US-Dollar pro Jahr

Zusammenarbeit mit Fintech-Startups

PNC hat in Fintech-Startups investiert und mit ihnen zusammengearbeitet:

• Plaid-Technologien
• Streifen
• Blend Labs

Fintech-Partner	Technologiefokus	Investitionsbetrag
Kariert	Konnektivität für Finanzdaten	5,3 Millionen US-Dollar
Streifen	Zahlungsabwicklungstechnologien	7,2 Millionen US-Dollar

Beziehungen zu Investmentfirmen

PNC unterhält strategische Partnerschaften mit Investment- und Vermögensverwaltungsunternehmen:

• BlackRock
• Vanguard-Gruppe
• State Street Global Advisors

Investmentpartner	Art der Zusammenarbeit	Verwaltetes Vermögen
BlackRock	Vertrieb von Investmentfonds und ETFs	1,2 Milliarden US-Dollar
Avantgarde	Produkte zur Altersvorsorge	890 Millionen Dollar

Die PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

PNC betreibt ab 2023 2.639 Filialen in 19 Bundesstaaten und Washington D.C.. Die Bank betreut rund 9 Millionen Kunden mit einem Gesamtvermögen von 578,0 Milliarden US-Dollar.

Servicekategorie	Gesamttransaktionen	Jahresumsatz
Privatkundengeschäft	1,2 Milliarden digitale Transaktionen	22,4 Milliarden US-Dollar
Kommerzielles Banking	487.000 Geschäftskunden	8,6 Milliarden US-Dollar

Vermögensverwaltung und Anlageberatung

PNC Wealth Management verwaltet mit 6.700 Finanzberatern Kundenvermögen in Höhe von 291 Milliarden US-Dollar.

• Dienstleistungen im Bereich Investmentmanagement
• Private-Banking-Lösungen
• Ruhestandsplanung
• Nachlassplanungsdienstleistungen

Entwicklung einer digitalen Banking-Plattform

Die digitale Plattform von PNC verarbeitet über 75 % der Kundentransaktionen über mobile und Online-Kanäle.

Kennzahlen für digitale Plattformen	Jährliche Leistung
Mobile-Banking-Benutzer	4,3 Millionen aktive Benutzer
Online-Banking-Transaktionen	932 Millionen jährliche Transaktionen

Risikomanagement und Finanzanalyse

PNC unterhält eine Kernkapitalquote von 11,2 % und stellt jährlich 425 Millionen US-Dollar für die Risikomanagement-Infrastruktur bereit.

Hypotheken- und Kreditgeschäfte

PNC hat im Jahr 2022 Hypothekendarlehen in Höhe von 43,7 Milliarden US-Dollar aufgenommen, mit einem Kreditportfolio von insgesamt 142,3 Milliarden US-Dollar.

Kreditkategorie	Gesamtkreditvolumen	Durchschnittlicher Zinssatz
Wohnhypotheken	87,6 Milliarden US-Dollar	6.5%
Gewerbliche Kredite	54,7 Milliarden US-Dollar	7.2%

Die PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Ab dem 4. Quartal 2023 ist PNC in Betrieb 2.629 Privatkundenfilialen in 19 Bundesstaaten und im District of Columbia. Die geografische Verteilung umfasst:

Region	Anzahl der Filialen
Mittelatlantik	1,097
Mittlerer Westen	1,532

Digitale Banking-Infrastruktur

Die digitale Banking-Plattform von PNC umfasst:

• Mobile-Banking-App mit 5,4 Millionen aktive digitale Nutzer
• Unterstützung der Online-Banking-Plattform über 8,3 Millionen Privat- und Geschäftskunden
• Fortschrittliche Cybersicherheitsinfrastruktur mit jährlichen Technologieinvestitionen in Höhe von 250 Millionen US-Dollar

Humankapitalressourcen

PNC beschäftigt 57.380 Vollzeitbeschäftigte Stand: 31. Dezember 2023, mit wesentlicher beruflicher Aufschlüsselung:

Mitarbeiterkategorie	Anzahl der Mitarbeiter
Finanzprofis	22,150
Kundendienstteams	15,620
Technologie und Betrieb	12,460

Finanzielle Kapitalressourcen

Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 567,8 Milliarden US-Dollar
• Gesamteigenkapital: 54,3 Milliarden US-Dollar
• Common-Equity-Tier-1-Quote (CET1): 10.2%

Marke und Ruf

Der Markenwert von PNC wird auf geschätzt 6,2 Milliarden US-Dollar, mit einer Kundenzufriedenheitsbewertung von 78/100 bei Bankdienstleistungen.

Die PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Wertversprechen

Umfassende Finanzdienstleistungen für Privatpersonen und Unternehmen

PNC bietet eine breite Palette von Finanzdienstleistungen mit einer Bilanzsumme von 559,4 Milliarden US-Dollar (Stand Q4 2023) an. Die Bank bietet Dienstleistungen in mehreren Segmenten an:

Servicesegment	Jahresumsatz (2023)
Privatkundengeschäft	12,3 Milliarden US-Dollar
Firmenkundengeschäft	8,7 Milliarden US-Dollar
Vermögensverwaltung	4,2 Milliarden US-Dollar

Personalisierte Banklösungen und Finanzberatung

PNC bietet personalisierte Finanzberatungsdienste mit:

• Über 2.600 Einzelhandelsfilialen
• Über 7.300 Geldautomaten im ganzen Land
• Engagierte Kundenbetreuer für Geschäfts- und Privatkundengeschäfte

Fortschrittliche digitale und mobile Banking-Plattformen

Zu den digitalen Banking-Funktionen gehören:

• Mobile-Banking-App mit 9,3 Millionen aktiven Nutzern
• Online-Kontoeröffnungsprozess
• Digitales Transaktionsvolumen von 387 Milliarden US-Dollar im Jahr 2023

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkt	Zinsspanne (2024)
Sparkonten	3.75% - 4.25%
Einlagenzertifikate	4.50% - 5.25%
Geschäftskredite	6.75% - 9.50%

Lokaler, gemeinschaftsorientierter Banking-Ansatz

Die Gemeinschaftsinvestitionen von PNC im Jahr 2023 beliefen sich auf insgesamt 235 Millionen US-Dollar, mit Schwerpunkt auf:

• Wirtschaftsentwicklung
• Finanzielle Bildung
• Kommunale Infrastrukturprojekte

The PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungsmanager

PNC beschäftigt im vierten Quartal 2023 52.448 Vollzeitmitarbeiter, die sich dem Kundenbeziehungsmanagement widmen. Die Bank unterhält 2.629 Einzelhandelsfilialen in 19 Bundesstaaten und Washington, D.C., mit engagierten persönlichen Bankkundenbetreuern, die Privat- und Geschäftskunden betreuen.

Kundensegment	Relationship Manager-Zuweisung
Persönliches Banking	37 % der Kundenbetreuer
Geschäftsbanking	42 % der Kundenbetreuer
Firmenkundengeschäft	21 % der Kundenbetreuer

24/7-Support für digitales und mobiles Banking

PNC bietet ab 2023 digitale Bankdienstleistungen für 8,2 Millionen aktive Digital-Banking-Nutzer an. Die Mobile-Banking-Plattform verarbeitet jährlich etwa 1,4 Milliarden digitale Transaktionen.

• Downloads mobiler Apps: 3,6 Millionen im Jahr 2023
• Online-Banking-Nutzer: 6,5 Millionen
• Digitale Kundenservice-Interaktionen: 72 % aller Kundeninteraktionen

Online- und Filial-Kundenservice

PNC betreibt 2.629 physische Filialen mit durchschnittlich 20 Kundendienstmitarbeitern pro Standort. Die Bank unterhält eine 98,3 % Zufriedenheit mit dem Kundenservice über digitale und physische Kanäle.

Servicekanal	Durchschnittliche Reaktionszeit
Support in der Filiale	12 Minuten
Online-Chat	3,5 Minuten
Telefonsupport	7 Minuten

Treueprogramme und personalisierte Finanzberatung

PNC bietet mehrere Treueprogramme mit 2,1 Millionen aktiven Teilnehmern an. Die Bank bietet 687.000 vermögenden Kunden personalisierte Finanzberatungsdienstleistungen an.

• PNC Points Rewards-Programm: 1,4 Millionen Mitglieder
• Business Banking Rewards: 412.000 Teilnehmer
• Vermögensverwaltungsberatung: 287.000 Kunden

Regelmäßige Kundenkommunikation und Finanzbildung

PNC investiert jährlich 42,3 Millionen US-Dollar in Finanzschulungsprogramme für Kunden. Die Bank führt in ihren Serviceregionen 14.500 Workshops zur Finanzkompetenz durch.

Kommunikationskanal	Jährliches Engagement
E-Mail-Newsletter	48 Millionen gesendet
Webinare zur Finanzbildung	3.200 Sitzungen
Interaktionen in sozialen Medien	2,9 Millionen Engagements

The PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Kanäle

Physische Bankfilialen

PNC betreibt im vierten Quartal 2023 2.579 Einzelhandelsfilialen, hauptsächlich in 19 Bundesstaaten und im District of Columbia. Die Bank unterhält eine bedeutende physische Präsenz im Nordosten, im mittleren Atlantik und im Mittleren Westen der USA.

Region	Anzahl der Filialen
Pennsylvania	690
Ohio	425
New Jersey	250
Andere Regionen	1,214

Online-Banking-Website

Die Online-Banking-Plattform von PNC bedient ab 2023 rund 7,1 Millionen aktive Digital-Banking-Nutzer. Die Website bietet umfassende Finanzmanagement-Tools mit den folgenden Funktionen:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Investitionsverfolgung
• Überwachung der Kreditwürdigkeit

Mobile-Banking-Anwendung

Die Mobile-Banking-App von PNC wurde über 4,3 Millionen Mal heruntergeladen und erhielt sowohl auf iOS- als auch auf Android-Plattformen eine Bewertung von 4,7/5. Die App verarbeitet rund 62 % der digitalen Transaktionen der Bank.

Metrik für mobile Apps	Wert
Gesamtzahl der Downloads	4,3 Millionen
App Store-Bewertung	4.7/5
Prozentsatz digitaler Transaktionen	62%

ATM-Netzwerk

PNC unterhält in seinen Betriebsregionen 9.200 Geldautomaten mit 2.300 Einzahlungsautomaten. Die Bank bietet gebührenfreie Transaktionen in seinem eigenen Netzwerk und nimmt am MoneyPass-Geldautomatennetzwerk teil.

Geldautomatentyp	Gesamtzahl
Insgesamt Geldautomaten	9,200
Geldautomaten, die Einzahlungen akzeptieren	2,300

Kundendienst-Callcenter

PNC betreibt 12 Kundendienstzentren, die jährlich etwa 5,6 Millionen Kundeninteraktionen abwickeln. Die Callcenter bieten Support über mehrere Kanäle:

• Telefonischer Support
• E-Mail-Unterstützung
• Live-Chat-Dienste
• Technischer Support rund um die Uhr

Callcenter-Metrik	Wert
Gesamtzahl der Call Center	12
Jährliche Kundeninteraktionen	5,6 Millionen

The PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut PNC etwa 9,2 Millionen Privatkunden in 21 Bundesstaaten und Washington, D.C.

Merkmale des Kundensegments	Metriken
Gesamtzahl der Retail-Banking-Kunden	9,2 Millionen
Benutzer des digitalen Bankings	6,3 Millionen
Mobile-Banking-Benutzer	5,8 Millionen

Kleine und mittlere Unternehmen

PNC bietet Bankdienstleistungen für rund 630.000 kleine und mittlere Geschäftskunden an.

• Gesamtkundenzahl im Geschäftskundengeschäft: 630.000
• Erzielter Jahresumsatz: 500.000 bis 50 Millionen US-Dollar
• Unternehmenskreditportfolio: 95,3 Milliarden US-Dollar

Firmen- und Gewerbekunden

PNC betreut über 11.000 Firmen- und Gewerbekunden mit einem Jahresumsatz von über 50 Millionen US-Dollar.

Firmenkundensegment	Anzahl der Kunden
Große Firmenkunden	3,200
Mittelständische Kunden	7,800

Vermögende Privatpersonen

PNC Wealth Management betreut Kunden mit bedeutenden finanziellen Vermögenswerten.

• Gesamtzahl der vermögenden Kunden: 165.000
• Durchschnittlicher Kundenvermögenswert: 3,2 Millionen US-Dollar
• Insgesamt verwaltetes Vermögen: 528 Milliarden US-Dollar

Institutionelle Anleger

PNC bietet spezialisierte Finanzdienstleistungen für institutionelle Investmentgesellschaften.

Kategorie „Institutionelle Anleger“.	Anzahl der Kunden
Pensionskassen	412
Stiftungen	287
Anlagestiftungen	203

Die PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Kostenstruktur

Wartung des Filialnetzes

Im vierten Quartal 2023 betreibt PNC 2.639 Einzelhandelsfilialen in 19 Bundesstaaten und Washington, D.C. Die jährlichen Filialwartungskosten beliefen sich im Jahr 2022 auf etwa 847 Millionen US-Dollar.

Gebäudemiete und Nebenkosten

Betriebskosten für Filialpersonal

Branchentechnologie-Infrastruktur

Kostenkategorie	Jährliche Ausgaben
312 Millionen Dollar
435 Millionen Dollar
100 Millionen Dollar

Investitionen in Technologie und digitale Infrastruktur

PNC hat investiert 1,2 Milliarden US-Dollar für Technologie und digitale Infrastruktur im Jahr 2022.

• Entwicklung einer digitalen Banking-Plattform: 425 Millionen US-Dollar
• Verbesserungen der Cybersicherheit: 275 Millionen US-Dollar
• Cloud Computing und Datenanalyse: 350 Millionen US-Dollar
• Mobile und Online-Banking-Systeme: 150 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Im Jahr 2022 beliefen sich die gesamten Personalvergütungsaufwendungen von PNC auf 6,1 Milliarden US-Dollar.

Vergütungskategorie	Jährliche Ausgaben
Grundgehälter	4,2 Milliarden US-Dollar
Leistungsprämien	870 Millionen Dollar
Leistungen an Arbeitnehmer	1,03 Milliarden US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

PNC ausgegeben 535 Millionen US-Dollar für die Einhaltung gesetzlicher Vorschriften im Jahr 2022.

• Rechts- und Compliance-Abteilung: 210 Millionen US-Dollar
• Regulatorische Meldesysteme: 125 Millionen US-Dollar
• Kontrollen zur Bekämpfung der Geldwäsche (AML): 95 Millionen US-Dollar
• Risikomanagement-Infrastruktur: 105 Millionen US-Dollar

Kosten für Marketing und Kundenakquise

Die Marketingausgaben für PNC beliefen sich im Jahr 2022 auf insgesamt 412 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	178 Millionen Dollar
Traditionelle Medienwerbung	134 Millionen Dollar
Kampagnen zur Kundengewinnung	100 Millionen Dollar

Die PNC Financial Services Group, Inc. (PNC) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Für das Geschäftsjahr 2023 meldete PNC einen Nettozinsertrag von 8,4 Milliarden US-Dollar. Die Aufschlüsselung der Zinsertragsquellen umfasst:

Kreditkategorie	Zinserträge
Gewerbliche Kredite	3,92 Milliarden US-Dollar
Wohnhypotheken	2,58 Milliarden US-Dollar
Verbraucherkredite	1,94 Milliarden US-Dollar

Bankgebühren und Servicegebühren

PNC erwirtschaftete im Jahr 2023 2,1 Milliarden US-Dollar an Servicegebühren und Gebühren mit der folgenden Umsatzverteilung:

• Gebühren für die Kontoführung: 789 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 312 Millionen US-Dollar
• Überziehungsgebühren: 436 Millionen US-Dollar
• Kontoführungsgebühren: 563 Millionen US-Dollar

Anlage- und Vermögensverwaltungsgebühren

Wertpapierdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 1,65 Milliarden US-Dollar:

Servicekategorie	Einnahmen
Vermögensverwaltungsberatung	892 Millionen US-Dollar
Ruhestandsplanungsdienste	458 Millionen US-Dollar
Anlageportfoliomanagement	300 Millionen Dollar

Einnahmen aus Kreditkartentransaktionen

Die kreditkartenbezogenen Einnahmen beliefen sich im Jahr 2023 auf insgesamt 743 Millionen US-Dollar, darunter:

• Wechselkursgebühren: 412 Millionen US-Dollar
• Jährliche Kartengebühren: 186 Millionen US-Dollar
• Gebühren für verspätete Zahlungen: 145 Millionen US-Dollar

Vermögensverwaltungs- und Beratungsdienste

Vermögensverwaltungsdienstleistungen trugen im Jahr 2023 1,2 Milliarden US-Dollar zum Umsatz von PNC bei:

Servicetyp	Einnahmen
Institutionelle Vermögensverwaltung	678 Millionen US-Dollar
Vermögensverwaltung für Privatkunden	522 Millionen Dollar

The PNC Financial Services Group, Inc. (PNC) - Canvas Business Model: Value Propositions

You're looking at the core promises The PNC Financial Services Group, Inc. makes to its customers, which are deeply tied to its size and strategic investments as of late 2025. These value propositions span the entire financial spectrum, from the everyday consumer to large corporate entities.

Diversified financial services from retail to institutional banking.

The PNC Financial Services Group, Inc. isn't just one type of bank; it's structured around three reportable segments: Retail Banking, Corporate & Institutional Banking, and the Asset Management Group. This breadth means you can find everything from basic checking accounts and mortgages to complex capital markets and advisory services under one roof. For instance, the Corporate & Institutional Banking segment offers lending, treasury management, and capital markets services to mid-sized and large corporations, as well as government and not-for-profit entities.

Financial stability and scale of a super-regional bank.

Scale is a major part of the value here. As of September 2025, The PNC Financial Services Group, Inc. reported total assets exceeding $568.76 billion. This size provides a bedrock of stability and the capacity to invest heavily in technology and physical presence. The financial performance in 2025 reflects this scale; for the third quarter of 2025, The PNC Financial Services Group, Inc. posted a net income of $1.8 billion, translating to a diluted earnings per share (EPS) of $4.35 for that quarter. Management is targeting record net interest income (NII) growth of 6% to 7% for the full 2025 fiscal year, showing confidence in their core lending operations.

Here's a quick look at the scale you're dealing with:

Metric	Value (As of Late 2025 Data)	Context
Total Assets	$568.76 billion	As of September 30, 2025
Q3 2025 Net Income	$1.8 billion	Reported for the third quarter of 2025
Q3 2025 Diluted EPS	$4.35	Reported for the third quarter of 2025
Projected 2025 NII Growth	6% to 7%	Management target for the fiscal year 2025

Digital-first convenience with a strong physical branch presence.

The PNC Financial Services Group, Inc. is actively pushing a hybrid model, investing significantly to ensure you have access where you need it, whether online or in person. This isn't just maintaining the status quo; it's a major expansion. The bank has announced plans to invest $2 billion to open more than 300 new branches across nearly 20 U.S. markets by 2030. Also, they plan to renovate 1,400 existing branches by 2029 to create a more modern experience. This commitment to physical density supports the digital-first approach by providing expert support when complex issues arise.

Low Cash Mode to help consumers avoid overdraft fees.

For retail customers using the Virtual Wallet® product, the patented Low Cash Mode℠ offers a distinct advantage in managing day-to-day cash flow. This feature provides real-time intelligent alerts and, crucially, at least 24 hours of 'extra time' to fund an account if the available balance goes negative, allowing you to avoid overdraft item fees. The technology also gives you Payment Control to prioritize which debits process, shifting the decision-making power away from the bank's common industry practice. While the original 2021 projection was to help customers avoid $125 million to $150 million in overdraft fees annually, the value proposition today is about control and transparency during low-balance moments.

The key elements of this service include:

• Extra Time: At least 24 hours to bring the Spend account balance to $0 before fees are charged.
• Payment Control: Ability to prioritize which debits are processed.
• Intelligent Alerts: Notifications via email, text, or push to signal low balances.
• Availability: Comes standard with the Virtual Wallet® Spend account via the mobile app.

Sophisticated advisory and capital solutions for middle market companies.

For the middle market, The PNC Financial Services Group, Inc. combines local team knowledge with the resources of a large national bank. This is evident in their specialized offerings. For example, in May 2024, the bank extended its partnership with TCW Group to specifically offer private credit solutions to middle-market companies, with a goal to raise $2.5 billion in investor equity capital in its first year. This shows a direct commitment to providing capital access beyond standard lending products, which is vital when business leaders are still navigating economic uncertainty.

The Corporate & Institutional Banking segment delivers value through:

• Lending, including secured and unsecured loans.
• Treasury management services for cash and investment management.
• Capital markets and advisory services.
• Private credit solutions for middle-market needs.

Finance: draft 13-week cash view by Friday.

The PNC Financial Services Group, Inc. (PNC) - Canvas Business Model: Customer Relationships

You're looking at how The PNC Financial Services Group, Inc. connects with its 15 million Total Customers. It's a dual approach, blending high-touch service for big clients with digital ease for everyone else, all while pouring capital into communities.

Dedicated relationship managers for corporate and wealth clients

For corporate and wealth clients, The PNC Financial Services Group, Inc. maintains a structure that clearly separates service levels. PNC Wealth Management LLC, which acts as both a registered investment adviser and a broker-dealer, provides client relationship summaries (Form CRS) detailing its practices. For the corporate side, roles like the Associate Relationship Manager exist to support the main bankers, indicating a tiered structure for client-facing support in the Commercial/Corporate Bank. Spot commercial and industrial (C&I) loans saw a 3% growth in Q1 2025, showing active engagement in that segment.

High-touch, advisory-led model for complex institutional needs

The advisory model for complex needs is evident in the structure of PNC Wealth Management LLC. This entity offers managed account advisory services, and its relationship summary outlines options for discretionary or non-discretionary account management. The firm's due diligence process includes only mutual fund products, certain ETFs, annuity products, insurance products, and structured products that participate in its revenue sharing program or pay a structuring fee. This specialized focus supports the high-touch service expectation for institutional and high-net-worth relationships.

Digital self-service and mobile app for retail customers

Retail customer relationships are increasingly digital-first. The PNC Financial Services Group, Inc. has the 4th Largest U.S. Branch Network, but digital adoption is clearly accelerating. A June 2025 partnership with Finxera to integrate embedded finance solutions into the mobile app showed early promise: a +12% increase in new retail checking accounts among younger demographics and a +7% improvement in customer retention rates over the past quarter. Furthermore, Consumer DDA Sales per Branch increased by +30% between YTD 2024 and YTD 2025, suggesting digital tools are boosting productivity where physical presence remains. The bank's Net Interest Margin (NIM) for Q1 2025 stood at 2.78%.

Here's a quick look at the scale of the retail and community focus as of late 2025:

Metric Category	Specific Metric	Value/Amount	As Of Date/Period
Retail Scale	Total Customers	15 million	YTD 9/30/2025
Retail Scale	U.S. Branch Network Size	2,200 Branches	6/30/2025
Digital Impact	New Retail Checking Accounts Growth (Finxera Pilot)	+12%	Q2 2025
Digital Impact	Consumer DDA Sales per Branch Growth	+30%	YTD 2025 vs YTD 2024
Community Investment	Total Community Benefits Plan Commitment	$88 billion	2022-2025
Community Investment	Capital Deployed toward CBP	$85.5 billion (over 97% of pledge)	As of 12/31/2024

Community engagement and social impact investment focus

Community relationship building is formalized through the $88 billion Community Benefits Plan (CBP), which concludes in December 2025. This plan is a massive commitment to underserved borrowers and communities. As of December 31, 2024, The PNC Financial Services Group, Inc. had deployed $85.5 billion toward this four-year goal, representing over 97% of the total pledge. The final year focuses on maximizing impact. The CBP components include specific capital allocations for key areas.

The breakdown of the $88 billion commitment includes:

• Home lending: $47 billion
• Small business lending: $26.5 billion
• Community development lending and investment (CDLI): $14.5 billion
• Grants and charitable support: $500 million

The PNC Financial Services Group, Inc. also uses a Community Advisory Council, which includes 18 community leaders, to meet semi-annually to guide lending, investment, and service efforts.

Finance: finalize the 2025 capital deployment report against the CBP targets by end of Q4.

The PNC Financial Services Group, Inc. (PNC) - Canvas Business Model: Channels

You're looking at how The PNC Financial Services Group, Inc. gets its value proposition to the customer-it's a mix of physical presence, digital fluency, and specialized relationship teams. Honestly, the channel strategy right now is about balancing a massive physical footprint investment with driving digital primacy.

Physical branch network, including 100 new locations by 2028.

The PNC Financial Services Group, Inc. is making a significant capital commitment to its physical footprint, even as digital adoption grows. While earlier plans targeted opening 100 new branches by 2028 with a $1 billion investment, the latest commitment scales this up considerably. The current, more aggressive plan is to open more than 300 new branches by 2030, supported by an approximate total branch investment of $2 billion. This expansion is paired with a goal to renovate 100% of the existing branch network by 2029. As of late 2025, The PNC Financial Services Group, Inc. currently operates over 2,200 branches. This physical network is seen as vital, as markets with a heavy branch presence see digital sales that are six times what they are in markets without them.

Here's a quick look at the scale of the physical and digital access points:

Channel Component	Metric/Count (Latest Data/Target)	Context/Date Reference
Total Physical Branches (Approximate Current)	Over 2,200	Late 2025
Planned New Branches (Updated Target)	>300 by 2030	Latest Target
Planned New Branches (Previous Target)	100 by 2028	Earlier Plan
Total Branch Investment (Updated)	Approximately $2 billion	Latest Investment
Branch Network Renovation Target	100% by 2029	Latest Target
Fee-Free ATM Access Points (PNC & Partner)	Approximately 60,000	Latest Data
Digitally Active Consumer Clients	About 77%	As of November 2025

Digital banking platforms (online and mobile app).

The PNC Financial Services Group, Inc. has just completed the migration of customers onto its new online banking platform as of November 2025. This replatforming is key because it cuts the time to introduce new capabilities from six months down to potentially overnight. The bank is also working on a new mobile app, which is about 40% to 50% complete, with a target rollout in the first half of 2026. Features being added include digital direct deposit switching and instant debit card issuance within the app. Overall, 77% of consumer clients are digitally active as of late 2025.

Key digital adoption metrics include:

• Digitally active consumers: 77% of the consumer business.
• Digital sales in heavy branch markets: Six times the rate of low-branch markets.
• New DDA sales conversion: 59% of in-branch new account openers were digitally active the same day as of November 2025, up from 45% one year prior.
• New retail checking accounts from a fintech partnership pilot: +12% increase in younger demographics.

Commercial and Institutional Banking relationship teams.

For the Corporate and Institutional Banking segment, the channel involves dedicated relationship teams structured primarily by market location and client size, often dividing between Corporate and Middle Market, with a dividing line around $500 million in revenue. These teams focus on issuing loans and lines of credit, but a major channel strategy involves cross-selling other business lines to deepen relationships. This cross-selling heavily features Treasury Management (TM) products, which manage cash, receivables, and payables, making it easy to find a relevant product for nearly every client. The PNC Financial Services Group, Inc. also provides services nationally to institutional clients like corporations, unions, municipalities, non-profits, foundations, and endowments.

ATMs and phone-based customer contact centers.

Access outside of a branch is heavily supported by the ATM network. As a PNC cardholder, you have fee-free access to approximately 60,000 total PNC and Partner ATMs. This includes fee-free access to more than 55,000 Partner ATMs, such as those at 7-Eleven, CVS, and Walgreens. As of late 2025, The PNC Financial Services Group, Inc. serves via >58,000 ATMs. The bank also utilizes Video Banking Machines, which often have longer hours than standard branch staff, allowing customers to speak with a Consultant outside of typical branch hours. While specific 2025 call center staffing numbers aren't public, the bank has been automating processes, which led to taking out probably more than 2,000 people over the last couple of years in areas related to operations.

Mobile van branches targeting unbanked communities.

The PNC Financial Services Group, Inc. deploys a fleet of mobile units as a direct outreach channel to underserved communities. This program is aligned with The PNC Financial Services Group, Inc.'s $88 Billion Community Benefits Plan. The fleet composition includes:

• Three 40-foot units equipped with an ATM and teller services.
• Eight 30-foot mobile branches used for community outreach efforts.
• Five smaller cash-dispensing ATM sprinter vans.

These mobile branches allow customers to meet with a personal banker, open accounts, apply for loans, or replace debit cards directly in communities with limited access to brick-and-mortar locations. Houston became the sixth market to feature a dedicated mobile branch in 2023.

Finance: draft the Q4 2025 channel utilization report by next Tuesday.

The PNC Financial Services Group, Inc. (PNC) - Canvas Business Model: Customer Segments

You're looking at how The PNC Financial Services Group, Inc. structures its client base across its main operating segments as of late 2025. It's a broad mix, spanning from individuals managing daily finances to massive institutional investors.

Retail Consumers (checking, savings, mortgages, auto loans)

This segment forms the base of the client ecosystem. The PNC Financial Services Group, Inc. reported 15 million Total Customers as of year-to-date (YTD) September 30, 2025. You see their activity reflected in the overall deposit and loan figures for the Retail Banking segment.

The Retail Banking segment contributed 56% of total PNC YTD Average Deposits, amounting to $243 billion, and 30% of total YTD Average Loans, totaling $97 billion, as of YTD September 30, 2025. For Q3 2025, consumer demand deposit accounts (DDA) grew 2% year-over-year. Furthermore, about 77% of clients are digitally active across the consumer business as of November 2025.

Key metrics for the Retail Consumer segment include:

• Total Customers (YTD 9/30/2025): 15 million
• YTD Average Deposits (as of 9/30/2025): $243 billion
• LTM Revenue (as of 9/30/2025): $15 billion
• Digitally Active Clients (as of Nov 2025): ~77% of consumer business clients

Small and mid-sized businesses (Commercial Banking)

This group is served through the Corporate & Institutional Banking (C&IB) structure, though historical data points to a specific subset for smaller entities. As of Q4 2023, The PNC Financial Services Group, Inc. served approximately 630,000 small and medium-sized business customers. The broader C&IB segment has grown significantly, now serving more than 90,000 Corporate & Institutional Banking clients.

In Q3 2025, average commercial deposits showed growth of 5% year-over-year. The C&IB segment is actively engaged with its base; for instance, The PNC Financial Services Group, Inc. conducted a survey among 2,000 Corporate & Institutional Banking clients in the second quarter of 2025.

Large corporations and government entities (Institutional Banking)

This segment leverages The PNC Financial Services Group, Inc.'s scale for more complex services like capital markets, treasury management, and specialized lending. The PNC Financial Services Group, Inc. provides financial services to more than two-thirds of the Fortune 500 and thousands of other corporate and institutional clients, based on 2024 data.

The PNC Financial Services Group, Inc. holds a strong position in key institutional services:

• Treasury Management Provider Ranking: #5 in the country (as of Year End 2024)
• PNC Real Estate Ranking: #5 Originator among banks in Commercial/Multifamily (as of Year End 2024)
• Fortune 500 Relationship: Serving 25+ Years on the Fortune 500 Companies list (Fortune, 2025)

High net worth and ultra high net worth individuals (Asset Management Group)

The Asset Management Group (AMG) focuses on wealth management and institutional asset servicing. Discretionary client assets under management (AUM) for AMG showed growth, increasing 7% compared to Q3 2024 and 5% compared to Q2 2025. PNC Wealth Management reported client assets reaching $89 billion as of September 30, 2025.

Specific data for the wealth management component shows strong asset growth:

Metric	Value (as of 9/30/2025 or latest)	Source Context
Client Assets (Wealth Management)	$89 billion	9/30/25
Annualized Revenue (Wealth Management)	$0.8 billion	2025 Ann.
Discretionary AUM Growth (Q3 vs Q3 2024)	7% increase	Q3 2025 Report
PNC Investments LLC Total AUM	$26.5 billion	7/16/2025
HNW Individual Accounts (PNC Investments LLC)	2,466	7/16/2025

The institutional side of AMG is also notable, with The PNC Financial Services Group, Inc. ranking #17 in P&I's list of the largest managers of outsourced chief investment adviser (OCIO) assets as of March 31, 2025. They also ranked #4 for foundation OCIO assets as of that date.

Finance: draft 13-week cash view by Friday.

The PNC Financial Services Group, Inc. (PNC) - Canvas Business Model: Cost Structure

You're looking at the expense side of The PNC Financial Services Group, Inc.'s operations as of late 2025. The bank is clearly focused on cost discipline while simultaneously making significant, targeted capital outlays. Here's the quick math on where the money is going.

The overall expense trajectory suggests controlled growth. For the full fiscal year 2025, The PNC Financial Services Group, Inc. anticipates that noninterest expenses will rise by only about 1% compared to the prior year, signaling a focus on operating efficiency. Still, the reported figures show movement; for the three months ended September 30, 2025, total noninterest expense was $3,327 million, or $10,231 million year-to-date. Noninterest expense for the third quarter of 2025 was $3.5 billion, which was a 2% increase quarter-over-quarter, driven in part by technology and branch investments. For the twelve months ending September 30, 2025, total operating expenses were reported at $25.752B.

The PNC Financial Services Group, Inc. is making substantial capital expenditures, particularly in technology. This is a clear push to modernize the platform. While specific 2025 capex figures aren't explicitly detailed as a single line item here, prior commitments show the scale of this focus: The PNC Financial Services Group, Inc. planned to spend $425 million in 2024 on its improvement plan, which specifically funds business and technology investments. Digital transformation remains a top priority, with continued investments in technology supporting the ongoing shift to cloud infrastructure.

Personnel costs represent a major component for a national institution of this size. The PNC Financial Services Group, Inc. relies on a large workforce to service its client base. For instance, the Retail Banking segment alone counts on approximately 15,000 branch team members to support its operations. For the third quarter of 2025, reported Salaries and Employee Benefits expense was $1,826 million.

A major, multi-year capital commitment is dedicated to the physical footprint. The PNC Financial Services Group, Inc. has pledged to invest approximately $1 billion in branch infrastructure through 2028. This investment plan includes two key actions:

• Opening more than 100 new locations in key markets like Denver, Dallas, and Houston.
• Renovating more than 1,200 existing branches nationwide.

This branch investment is designed to enhance customer experience across its approximately 2,300 brick-and-mortar locations.

Regulatory compliance and risk management are non-negotiable, high-cost areas for any large bank. These costs are embedded in noninterest expenses and specific charges. You can see the impact of regulatory-driven assessments in prior periods, such as the $515 million pre-tax special assessment expense incurred in the fourth quarter of 2023, plus an additional $130 million pre-tax expense in the first quarter of 2024 related to the FDIC's expected losses. Furthermore, The PNC Financial Services Group, Inc. must continually manage costs associated with adhering to rules like the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR), and conducting Dodd-Frank Act Company-Run Stress Tests.

Here is a snapshot of key reported expense and investment figures:

Cost Component/Metric	Reported Value (USD)	Period/Target
Projected Noninterest Expense Growth	1% rise	FY 2025 Projection
Total Noninterest Expense (YTD)	$10,231 million	Nine Months Ended September 30, 2025
Q3 2025 Noninterest Expense	$3.5 billion	Quarter Ended September 30, 2025
Branch Infrastructure Investment Total	$1 billion	Through 2028
Branch Renovations/New Openings	1,200 renovated / 100+ new	Through 2028
Salaries and Employee Benefits (Q3 2025)	$1,826 million	Quarter Ended September 30, 2025
Technology/Improvement Plan Spend (Prior Year)	$425 million	2024

The bank's branch team size is substantial, with approximately 15,000 members supporting the retail network.

Finance: draft 13-week cash view by Friday.

The PNC Financial Services Group, Inc. (PNC) - Canvas Business Model: Revenue Streams

You're looking at the hard numbers driving The PNC Financial Services Group, Inc.'s top line as we head into the end of 2025. The revenue streams are clearly split between what the bank earns on its assets and what it collects in service fees.

For the full fiscal year 2025, management has been pointing toward growth in the core interest-earning side of the business. Net Interest Income (NII) is estimated to increase by 6% to 7% compared to FY 2024, with a more specific guidance pointing to a 6.5% increase for the full year 2025. On the fee side, Noninterest Income is projected to grow by approximately 5% for FY 2025.

The most recent quarterly snapshot gives you a clear picture of the scale. Total Revenue for the third quarter of 2025 reached a record $5.9 billion.

Here's a quick look at how the Q3 2025 revenue components stacked up:

Revenue Component	Q3 2025 Amount	Sequential Change (vs. Q2 2025)
Total Revenue	$5.9 billion	Up 4%
Net Interest Income (NII)	$3.6 billion	Up 3%
Noninterest Income (Fees & Other)	$2.3 billion	Up 8%

Interest income from the loan portfolios is a major driver for NII. As of Q3 2025, average loans stood at approximately $325.9 billion. This portfolio includes interest earned from commercial, real estate, and consumer lending activities. For instance, in Q1 2025, average loans were $316.6 billion, with commercial and industrial loans showing 3% growth, partially offset by a decline in commercial real estate loans.

The Noninterest (Fee) Income is generated across several specialized service areas. You can see the activity in these streams by looking at the Q1 2025 figures, which show the underlying revenue generation:

• Capital markets and advisory revenue climbed 18% to $306 million in Q1 2025.
• Asset management and brokerage revenue rose 7% to $391 million in Q1 2025.
• Fee income overall in Q1 2025 was $1.83 billion.
• Card and cash management revenue increased by $45 million in Q2 2025, reflecting growth in Treasury Management product revenue.

To be defintely clear, the growth in fee income is tied directly to the volume and activity within these specific services. For example, Q3 2025 fee income was up 9% compared to the previous quarter, showing strong momentum in fee-based services.