El Grupo de Servicios Financieros PNC, Inc. (PNC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el intrincado mundo de PNC Financial Services Group, una potencia bancaria que transforma los servicios financieros tradicionales a través de la innovación estratégica y los enfoques centrados en el cliente. Al combinar magistralmente las tecnologías digitales de vanguardia con experiencias bancarias personalizadas, PNC ha creado un modelo de negocio robusto que navega por el complejo panorama financiero con notable agilidad. Desde soluciones integrales de banca minorista y comercial hasta estrategias avanzadas de gestión de patrimonio, este gigante financiero demuestra cómo las asociaciones estratégicas, la destreza tecnológica y un profundo compromiso con las necesidades del cliente pueden crear un ecosistema comercial convincente y adaptable que se destaca en la industria bancaria competitiva.

PNC Financial Services Group, Inc. (PNC) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con proveedores de tecnología para soluciones de banca digital

PNC ha establecido asociaciones con los siguientes proveedores de tecnología:

Socio tecnológico	Enfoque de asociación	Año establecido
Fiserv Inc.	Infraestructura de tecnología bancaria central	2019
Microsoft Azure	Plataformas de computación en la nube y banca digital	2020
Salesforce	Sistemas de gestión de relaciones con el cliente	2018

Asociaciones con compañías de seguros

PNC colabora con proveedores de seguros para ofrecer productos financieros integrales:

• El Grupo de Servicios Financieros de Hartford
• Seguro nacional
• Chubb Limited

Socio	Ofertas de productos	Participación de ingresos
El Hartford	Productos de seguros comerciales y personales	$ 78 millones anualmente
A escala nacional	Seguro de vida y propiedad	$ 62 millones anualmente

Colaboración con startups fintech

PNC ha invertido y se ha asociado con Startups de FinTech:

• Tecnologías a cuadros
• Raya
• Blend Labs

Socio de fintech	Enfoque tecnológico	Monto de la inversión
Tartán	Conectividad de datos financieros	$ 5.3 millones
Raya	Tecnologías de procesamiento de pagos	$ 7.2 millones

Relaciones con empresas de inversión

PNC mantiene asociaciones estratégicas con empresas de inversión y gestión de activos:

• Roca negra
• Grupo de vanguardia
• Asesores globales de State Street

Socio de inversión	Tipo de colaboración	Activos bajo administración
Roca negra	Fondo mutuo y distribución de ETF	$ 1.2 mil millones
Vanguardia	Productos de inversión de jubilación	$ 890 millones

PNC Financial Services Group, Inc. (PNC) - Modelo de negocio: actividades clave

Servicios de banca minorista y comercial

PNC opera 2.639 sucursales en 19 estados y Washington D.C. a partir de 2023. El banco atiende a aproximadamente 9 millones de clientes con activos totales de $ 578.0 mil millones.

Categoría de servicio	Transacciones totales	Ingresos anuales
Banca minorista	1.200 millones de transacciones digitales	$ 22.4 mil millones
Banca comercial	487,000 clientes comerciales	$ 8.6 mil millones

Aviso de gestión de patrimonio e inversiones

PNC Wealth Management administra $ 291 mil millones en activos del cliente con 6,700 asesores financieros.

• Servicios de gestión de inversiones
• Soluciones bancarias privadas
• Planificación de jubilación
• Servicios de planificación patrimonios

Desarrollo de la plataforma de banca digital

La plataforma digital de PNC procesa más del 75% de las transacciones de los clientes a través de canales móviles y en línea.

Métricas de plataforma digital	Rendimiento anual
Usuarios de banca móvil	4.3 millones de usuarios activos
Transacciones bancarias en línea	932 millones de transacciones anuales

Gestión de riesgos y análisis financiero

PNC mantiene un Relación de capital de nivel 1 del 11,2% y asigna $ 425 millones anuales a la infraestructura de gestión de riesgos.

Operaciones de hipotecas y préstamos

PNC originó $ 43.7 mil millones en préstamos hipotecarios durante 2022, con una cartera de préstamos por un total de $ 142.3 mil millones.

Categoría de préstamo	Volumen total del préstamo	Tasa de interés promedio
Hipotecas residenciales	$ 87.6 mil millones	6.5%
Préstamos comerciales	$ 54.7 mil millones	7.2%

PNC Financial Services Group, Inc. (PNC) - Modelo de negocios: recursos clave

Red de sucursal extensa

A partir del cuarto trimestre de 2023, PNC opera 2,629 ramas de banca minorista En 19 estados y el Distrito de Columbia. La distribución geográfica incluye:

Región	Número de ramas
Atlántico medio	1,097
Medio oeste	1,532

Infraestructura bancaria digital

La plataforma de banca digital de PNC incluye:

• Aplicación de banca móvil con 5.4 millones de usuarios digitales activos
• Plataforma bancaria en línea Soporte más de 8,3 millones de clientes de consumidores y comerciales
• Infraestructura avanzada de ciberseguridad con inversión tecnológica anual de $ 250 millones

Recursos de capital humano

PNC emplea 57,380 empleados a tiempo completo Al 31 de diciembre de 2023, con un desglose profesional clave:

Categoría de empleado	Número de empleados
Profesionales financieros	22,150
Equipos de servicio al cliente	15,620
Tecnología y operaciones	12,460

Recursos de capital financiero

Métricas financieras a partir del cuarto trimestre 2023:

• Activos totales: $ 567.8 mil millones
• Total de la equidad de los accionistas: $ 54.3 mil millones
• Relación de nivel de equidad común 1 (CET1): 10.2%

Marca y reputación

El valor de la marca de PNC estimado en $ 6.2 mil millones, con una calificación de satisfacción del cliente de 78/100 en servicios bancarios.

PNC Financial Services Group, Inc. (PNC) - Modelo de negocio: propuestas de valor

Servicios financieros integrales para individuos y empresas

PNC ofrece una amplia gama de servicios financieros con $ 559.4 mil millones en activos totales a partir del cuarto trimestre de 2023. El banco brinda servicios en múltiples segmentos:

Segmento de servicio	Ingresos anuales (2023)
Banca minorista	$ 12.3 mil millones
Banca corporativa	$ 8.7 mil millones
Gestión de activos	$ 4.2 mil millones

Soluciones bancarias personalizadas y asesoramiento financiero

PNC ofrece servicios de asesoramiento financiero personalizado con:

• Más de 2.600 ubicaciones de sucursales minoristas
• 7,300+ cajeros automáticos en todo el país
• Gerentes de relaciones dedicados para negocios y banca personal

Plataformas de banca digital y móvil avanzadas

Las capacidades de banca digital incluyen:

• Aplicación de banca móvil con 9.3 millones de usuarios activos
• Proceso de apertura de cuenta en línea
• Volumen de transacción digital de $ 387 mil millones en 2023

Tasas de interés competitivas y productos financieros

Producto	Rango de tasas de interés (2024)
Cuentas de ahorro	3.75% - 4.25%
Certificados de depósito	4.50% - 5.25%
Préstamos comerciales	6.75% - 9.50%

Enfoque bancario local centrado en la comunidad

La inversión comunitaria de PNC en 2023 totalizó $ 235 millones, con enfoque en:

• Desarrollo económico
• Educación financiera
• Proyectos de infraestructura comunitaria

PNC Financial Services Group, Inc. (PNC) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

PNC emplea a 52,448 empleados a tiempo completo dedicados a la gestión de la relación con el cliente a partir del cuarto trimestre de 2023. El banco mantiene 2,629 sucursales minoristas en 19 estados y Washington, D.C., con gerentes de relaciones bancarias personales dedicadas que atienden a clientes individuales y comerciales.

Segmento de clientes	Asignación del gerente de relaciones
Banca personal	37% de los gerentes de relaciones
Banca de negocios	42% de los gerentes de relaciones
Banca corporativa	21% de los gerentes de relaciones

Soporte de banca digital y móvil 24/7

PNC proporciona servicios de banca digital con 8.2 millones de usuarios activos de banca digital a partir de 2023. La plataforma de banca móvil procesa aproximadamente 1,4 mil millones de transacciones digitales anualmente.

• Descargas de aplicaciones móviles: 3.6 millones en 2023
• Usuarios bancarios en línea: 6.5 millones
• Interacciones de servicio al cliente digital: el 72% de todas las interacciones del cliente

Servicio al cliente en línea y en la rama

PNC opera 2.629 ramas físicas con un promedio de 20 representantes de servicio al cliente por ubicación. El banco mantiene un 98.3% Calificación de satisfacción del servicio al cliente a través de canales digitales y físicos.

Canal de servicio	Tiempo de respuesta promedio
Soporte en la rama	12 minutos
Chat en línea	3.5 minutos
Soporte telefónico	7 minutos

Programas de fidelización y orientación financiera personalizada

PNC ofrece múltiples programas de fidelización con 2.1 millones de participantes activos. El banco brinda servicios de asesoramiento financiero personalizados a 687,000 clientes de alto patrimonio.

• Programa de recompensas de PNC Points: 1.4 millones de miembros
• Recompensas de banca comercial: 412,000 participantes
• Servicios de asesoramiento de gestión de patrimonio: 287,000 clientes

Comunicación regular al cliente y educación financiera

PNC invierte $ 42.3 millones anuales en programas de educación financiera del cliente. El banco realiza 14,500 talleres de educación financiera en sus regiones de servicio.

Canal de comunicación	Compromiso anual
Boletines por correo electrónico	48 millones enviados
Seminarios web de educación financiera	3,200 sesiones
Interacciones en las redes sociales	2.9 millones de compromisos

PNC Financial Services Group, Inc. (PNC) - Modelo de negocios: canales

Sucursales bancarias físicas

PNC opera 2.579 sucursales minoristas a partir del cuarto trimestre de 2023, ubicada principalmente en 19 estados y el Distrito de Columbia. El banco mantiene una presencia física significativa en el noreste, el Atlántico medio y el medio oeste de los Estados Unidos.

Región	Número de ramas
Pensilvania	690
Ohio	425
Nueva Jersey	250
Otras regiones	1,214

Sitio web de banca en línea

La plataforma de banca en línea de PNC atiende a aproximadamente 7.1 millones de usuarios de banca digital activos a partir de 2023. El sitio web ofrece herramientas integrales de gestión financiera con las siguientes características:

• Gestión de cuentas
• Servicios de pago de facturas
• Transferencias de fondos
• Seguimiento de inversiones
• Monitoreo de puntaje de crédito

Aplicación de banca móvil

La aplicación de banca móvil de PNC se ha descargado más de 4.3 millones de veces, con una calificación de 4.7/5 en plataformas iOS y Android. La aplicación procesa aproximadamente el 62% de las transacciones digitales del banco.

Módulo de aplicación móvil	Valor
Descargas totales	4.3 millones
Calificación de la tienda de aplicaciones	4.7/5
Porcentaje de transacción digital	62%

Red de cajeros automáticos

PNC mantiene 9.200 cajeros automáticos en sus regiones operativas, con 2.300 máquinas de aceptación de depósitos. El banco ofrece transacciones sin tarifas en su propia red y participa en la red de cajeros automáticos de MoneyPass.

Tipo de cajero automático	Número total
ATMS totales	9,200
Cajeros automáticos de aceptación de depósitos	2,300

Centros de llamadas de servicio al cliente

PNC opera 12 centros de servicio al cliente que manejan aproximadamente 5,6 millones de interacciones con el cliente anualmente. Los centros de llamadas brindan soporte en múltiples canales:

• Soporte telefónico
• Asistencia por correo electrónico
• Servicios de chat en vivo
• Soporte técnico 24/7

Métrico del centro de llamadas	Valor
Centros de llamadas totales	12
Interacciones anuales del cliente	5.6 millones

PNC Financial Services Group, Inc. (PNC) - Modelo de negocios: segmentos de clientes

Clientes de banca minorista individual

A partir del cuarto trimestre de 2023, PNC atiende a aproximadamente 9.2 millones de clientes de banca minorista en 21 estados y Washington, D.C.

Características del segmento de clientes	Métrica
Total de clientes bancarios minoristas	9.2 millones
Usuarios bancarios digitales	6.3 millones
Usuarios de banca móvil	5.8 millones

Pequeñas y medianas empresas

PNC brinda servicios bancarios a aproximadamente 630,000 clientes comerciales pequeños y medianos.

• Total de clientes de negocios de negocios: 630,000
• Rango de ingresos anual servido: $ 500,000 - $ 50 millones
• Portafolio de préstamos comerciales: $ 95.3 mil millones

Clientes corporativos y comerciales

PNC sirve a más de 11,000 clientes corporativos y comerciales con ingresos anuales superiores a $ 50 millones.

Segmento de clientes corporativos	Número de clientes
Grandes clientes corporativos	3,200
Clientes del mercado intermedio	7,800

Individuos de alto nivel de red

PNC Wealth Management atiende a clientes con activos financieros significativos.

• Total de clientes de alto nivel de red: 165,000
• Valor promedio del activo del cliente: $ 3.2 millones
• Activos totales bajo administración: $ 528 mil millones

Inversores institucionales

PNC ofrece servicios financieros especializados a entidades de inversión institucionales.

Categoría de inversores institucionales	Número de clientes
Fondos de pensiones	412
Dotación	287
Bases de inversiones	203

PNC Financial Services Group, Inc. (PNC) - Modelo de negocio: Estructura de costos

Mantenimiento de la red de sucursales

A partir del cuarto trimestre de 2023, PNC opera 2.639 sucursales minoristas en 19 estados y Washington, D.C. Los costos de mantenimiento de sucursales anuales fueron de aproximadamente $ 847 millones en 2022.

Alquiler de instalaciones y servicios públicos

Costos operativos del personal de la sucursal

Infraestructura de tecnología de rama

Categoría de costos	Gasto anual
$ 312 millones
$ 435 millones
$ 100 millones

Tecnología e inversión en infraestructura digital

PNC invertido $ 1.2 mil millones en tecnología e infraestructura digital en 2022.

• Desarrollo de la plataforma de banca digital: $ 425 millones
• Mejoras de ciberseguridad: $ 275 millones
• Computación en la nube y análisis de datos: $ 350 millones
• Sistemas bancarios móviles y en línea: $ 150 millones

Salarios y beneficios de los empleados

En 2022, los gastos totales de compensación de empleados de PNC fueron de $ 6.1 mil millones.

Categoría de compensación	Gasto anual
Salarios base	$ 4.2 mil millones
Bonos de rendimiento	$ 870 millones
Beneficios para empleados	$ 1.03 mil millones

Gastos de cumplimiento regulatorio

PNC gastado $ 535 millones en cumplimiento regulatorio en 2022.

• Departamento legal y de cumplimiento: $ 210 millones
• Sistemas de informes regulatorios: $ 125 millones
• Controles anti-lavado de dinero (AML): $ 95 millones
• Infraestructura de gestión de riesgos: $ 105 millones

Costos de marketing y adquisición de clientes

Los gastos de marketing para PNC en 2022 totalizaron $ 412 millones.

Canal de marketing	Gasto anual
Marketing digital	$ 178 millones
Publicidad de medios tradicional	$ 134 millones
Campañas de adquisición de clientes	$ 100 millones

PNC Financial Services Group, Inc. (PNC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e hipotecas

Para el año fiscal 2023, PNC informó ingresos por intereses netos de $ 8.4 mil millones. El desglose de las fuentes de ingresos de intereses incluye:

Categoría de préstamo	Ingresos por intereses
Préstamos comerciales	$ 3.92 mil millones
Hipotecas residenciales	$ 2.58 mil millones
Préstamos al consumo	$ 1.94 mil millones

Tarifas bancarias y cargos de servicio

PNC generó $ 2.1 mil millones en cargos de servicio y tarifas en 2023, con la siguiente distribución de ingresos:

• CARGOS DE SERVICIO DE CUENTA DE DISPOSITOS: $ 789 millones
• Tarifas de transacción de cajeros automáticos: $ 312 millones
• Tarifas de sobregiro: $ 436 millones
• Tarifas de mantenimiento de la cuenta: $ 563 millones

Tarifas de gestión de inversión y patrimonio

Los servicios de inversión generaron $ 1.65 mil millones en ingresos para 2023:

Categoría de servicio	Ganancia
Aviso de gestión de patrimonio	$ 892 millones
Servicios de planificación de jubilación	$ 458 millones
Gestión de la cartera de inversiones	$ 300 millones

Ingresos de la transacción de la tarjeta de crédito

Los ingresos relacionados con la tarjeta de crédito para 2023 totalizaron $ 743 millones, que incluyen:

• Tarifas de intercambio: $ 412 millones
• Tarifas de tarjeta anual: $ 186 millones
• CARGOS DE PAGO TARDETA: $ 145 millones

Gestión de activos y servicios de asesoramiento

Asset Management Services contribuyó con $ 1.2 mil millones a los ingresos de PNC en 2023:

Tipo de servicio	Ganancia
Gestión de activos institucionales	$ 678 millones
Gestión de activos de cliente privado	$ 522 millones

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.