PNC Financial Services Group, Inc. (PNC): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le monde complexe de PNC Financial Services Group, une puissance bancaire qui transforme les services financiers traditionnels par l'innovation stratégique et les approches centrées sur le client. En mélangeant magistralement les technologies numériques de pointe avec des expériences bancaires personnalisées, PNC a conçu un modèle commercial robuste qui navigue dans le paysage financier complexe avec une agilité remarquable. Des solutions complètes de commerce de détail et de banque commerciale aux stratégies avancées de gestion de patrimoine, ce géant financier démontre comment les partenariats stratégiques, les prouesses technologiques et un engagement profond envers les besoins des clients peuvent créer un écosystème commercial convaincant et adaptatif qui se démarque dans le secteur bancaire compétitif.

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: partenariats clés

Alliances stratégiques avec les fournisseurs de technologies pour les solutions bancaires numériques

PNC a établi des partenariats avec les fournisseurs de technologies suivants:

Partenaire technologique	Focus de partenariat	Année établie
Fiserv Inc.	Infrastructure de technologie bancaire de base	2019
Microsoft Azure	Plateformes de cloud computing et bancaire numérique	2020
Salesforce	Systèmes de gestion de la relation client	2018

Partenariats avec les compagnies d'assurance

PNC collabore avec les assureurs pour offrir des produits financiers complets:

• Le Hartford Financial Services Group
• Assurance à l'échelle nationale
• Chubb Limited

Partenaire d'assurance	Offres de produits	Part des revenus
Le Hartford	Produits d'assurance commerciale et personnelle	78 millions de dollars par an
À l'échelle nationale	Assurance vie et biens	62 millions de dollars par an

Collaboration avec les startups fintech

PNC a investi et établi un partenariat avec les startups fintech:

• Technologies à plaid
• Bande
• Mélanger les laboratoires

Partenaire fintech	Focus technologique	Montant d'investissement
Plaid	Connectivité de données financières	5,3 millions de dollars
Bande	Technologies de traitement des paiements	7,2 millions de dollars

Relations avec les entreprises d'investissement

PNC maintient des partenariats stratégiques avec les sociétés d'investissement et de gestion des actifs:

• Blackrock
• Groupe d'avant-garde
• Conseillers mondiaux de la rue State

Partenaire d'investissement	Type de collaboration	Actifs sous gestion
Blackrock	Distribution des fonds communs de placement et des ETF	1,2 milliard de dollars
Avant-garde	Produits d'investissement à la retraite	890 millions de dollars

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: activités clés

Services de vente au détail et commerciaux

PNC exploite 2 639 succursales dans 19 États et Washington D.C. en 2023. La banque dessert environ 9 millions de clients avec un actif total de 578,0 milliards de dollars.

Catégorie de service	Total des transactions	Revenus annuels
Banque de détail	1,2 milliard de transactions numériques	22,4 milliards de dollars
Banque commerciale	487 000 clients commerciaux	8,6 milliards de dollars

Advisory de gestion de la patrimoine et d'investissement

PNC Wealth Management gère 291 milliards de dollars d'actifs clients avec 6 700 conseillers financiers.

• Services de gestion des investissements
• Solutions bancaires privées
• Planification de la retraite
• Services de planification successorale

Développement de la plate-forme bancaire numérique

La plate-forme numérique de PNC traite plus de 75% des transactions clients via des canaux mobiles et en ligne.

Métriques de plate-forme numérique	Performance annuelle
Utilisateurs de la banque mobile	4,3 millions d'utilisateurs actifs
Transactions bancaires en ligne	932 millions de transactions annuelles

Gestion des risques et analyse financière

PNC maintient un Ratio de capital de niveau 1 de 11,2% et alloue 425 millions de dollars par an à l'infrastructure de gestion des risques.

Opérations hypothécaires et prêts

PNC a créé 43,7 milliards de dollars de prêts hypothécaires au cours de 2022, avec un portefeuille de prêts totalisant 142,3 milliards de dollars.

Catégorie de prêt	Volume total des prêts	Taux d'intérêt moyen
Hypothèques résidentielles	87,6 milliards de dollars	6.5%
Prêts commerciaux	54,7 milliards de dollars	7.2%

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

Depuis le quatrième trimestre 2023, PNC fonctionne 2 629 succursales bancaires au détail dans 19 États et le district de Columbia. La distribution géographique comprend:

Région	Nombre de branches
Moyen-atlantique	1,097
Midwest	1,532

Infrastructure bancaire numérique

La plate-forme bancaire numérique de PNC comprend:

• Application bancaire mobile avec 5,4 millions d'utilisateurs numériques actifs
• Plateforme bancaire en ligne Soutenir Plus de 8,3 millions de clients de consommateurs et d'entreprises
• Infrastructure avancée de cybersécurité avec 250 millions de dollars d'investissement technologique annuel

Ressources de capital humain

PNC utilise 57 380 employés à temps plein Au 31 décembre 2023, avec une ventilation professionnelle clé:

Catégorie des employés	Nombre d'employés
Professionnels financiers	22,150
Équipes de service à la clientèle	15,620
Technologie et opérations	12,460

Ressources de capital financier

Mesures financières auprès du quatrième trimestre 2023:

• Actifs totaux: 567,8 milliards de dollars
• Total des actions des actionnaires: 54,3 milliards de dollars
• Ratio de niveau 1 (CET1) commun: 10.2%

Marque et réputation

Valeur de marque de PNC estimée à 6,2 milliards de dollars, avec une cote de satisfaction du client de 78/100 dans les services bancaires.

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: propositions de valeur

Services financiers complets pour les particuliers et les entreprises

PNC offre un large éventail de services financiers avec 559,4 milliards de dollars d'actifs totaux au T2 2023. La banque fournit des services sur plusieurs segments:

Segment de service	Revenus annuels (2023)
Banque de détail	12,3 milliards de dollars
Banque commerciale	8,7 milliards de dollars
Gestion des actifs	4,2 milliards de dollars

Solutions bancaires personnalisées et conseils financiers

PNC fournit des services de conseil financier personnalisés avec:

• Plus de 2 600 établissements de vente au détail
• 7 300+ distributeurs automatiques de billets à l'échelle nationale
• Gestionnaires de relations dédiées aux affaires et aux services bancaires personnels

Plateformes de banque numérique et mobile avancées

Les capacités bancaires numériques comprennent:

• Application bancaire mobile avec 9,3 millions d'utilisateurs actifs
• Processus d'ouverture du compte en ligne
• Volume de transaction numérique de 387 milliards de dollars en 2023

Taux d'intérêt concurrentiels et produits financiers

Produit	Plage de taux d'intérêt (2024)
Comptes d'épargne	3.75% - 4.25%
Certificats de dépôt	4.50% - 5.25%
Prêts commerciaux	6.75% - 9.50%

Approche bancaire axée sur la communauté locale

L'investissement communautaire de PNC en 2023 a totalisé 235 millions de dollars, en mettant l'accent sur:

• Développement économique
• Éducation financière
• Projets d'infrastructure communautaire

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations bancaires personnelles

PNC emploie 52 448 employés à temps plein dédiés à la gestion de la relation client dès le 42023.

Segment de clientèle	Attribution du gestionnaire de relations
Banque personnelle	37% des gestionnaires de relations
Banque d'affaires	42% des gestionnaires de relations
Banque commerciale	21% des gestionnaires de relations

Prise en charge des banques numériques et mobiles 24/7

PNC fournit des services bancaires numériques avec 8,2 millions d'utilisateurs de banque numérique actifs à partir de 2023. La plate-forme bancaire mobile traite environ 1,4 milliard de transactions numériques par an.

• Téléchargements d'applications mobiles: 3,6 millions en 2023
• Utilisateurs bancaires en ligne: 6,5 millions
• Interactions numériques du service client: 72% de toutes les interactions client

Service client en ligne et en branche

PNC exploite 2 629 succursales physiques avec une moyenne de 20 représentants du service client par emplacement. La banque maintient un 98,3% de satisfaction du service client à travers les canaux numériques et physiques.

Canal de service	Temps de réponse moyen
Support en branche	12 minutes
Chat en ligne	3,5 minutes
Support téléphonique	7 minutes

Programmes de fidélité et conseils financiers personnalisés

PNC propose plusieurs programmes de fidélité avec 2,1 millions de participants actifs. La banque fournit des services de conseil financier personnalisés à 687 000 clients à haute teneur en naissance.

• Programme PNC Points Rewards: 1,4 million de membres
• Récompenses bancaires d'entreprise: 412 000 participants
• Services de conseil en gestion de patrimoine: 287 000 clients

Communication client régulière et éducation financière

PNC investit 42,3 millions de dollars par an dans les programmes d'éducation financière des clients. La banque organise 14 500 ateliers de littératie financière dans ses régions de service.

Canal de communication	Engagement annuel
Envoyez des newsletters	48 millions envoyés
Webinaires de l'éducation financière	3 200 séances
Interactions des médias sociaux	2,9 millions d'engagements

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: canaux

Succursales bancaires physiques

PNC exploite 2 579 succursales au détail au quatrième trimestre 2023, principalement situées dans 19 États et dans le district de Columbia. La banque maintient une présence physique importante à travers les États-Unis du nord-est, du Mid-Atlantic et du Midwest.

Région	Nombre de branches
Pennsylvanie	690
Ohio	425
New Jersey	250
Autres régions	1,214

Site Web de banque en ligne

La plate-forme bancaire en ligne de PNC dessert environ 7,1 millions d'utilisateurs de banque numérique actifs à partir de 2023. Le site Web propose des outils de gestion financière complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Services de paiement de factures
• Transferts de fonds
• Suivi des investissements
• Surveillance des cotes de crédit

Application bancaire mobile

L'application bancaire mobile de PNC a été téléchargée plus de 4,3 millions de fois, avec une cote de 4,7 / 5 sur les plateformes iOS et Android. L'application traite environ 62% des transactions numériques de la banque.

Métrique de l'application mobile	Valeur
Téléchargements totaux	4,3 millions
Note de l'App Store	4.7/5
Pourcentage de transaction numérique	62%

Réseau ATM

PNC maintient 9 200 distributeurs automatiques de billets dans ses régions opérationnelles, avec 2 300 machines à accepter les dépôts. La banque propose Transactions sans frais dans son propre réseau et participe au réseau ATM MoneyPass.

Type de guichet automatique	Nombre total
Total de distributeurs automatiques de billets	9,200
ATM-accepter les dépôts	2,300

Centres d'appels de service client

PNC exploite 12 centres de service à la clientèle gardant environ 5,6 millions d'interactions client par an. Les centres d'appels fournissent un support sur plusieurs canaux:

• Assistance téléphonique
• Assistance par e-mail
• Services de chat en direct
• Assistance technique 24/7

Métrique du centre d'appel	Valeur
Centres d'appels totaux	12
Interactions annuelles du client	5,6 millions

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

Au quatrième trimestre 2023, PNC dessert environ 9,2 millions de clients bancaires de détail dans 21 États et Washington, D.C.

Caractéristiques du segment de la clientèle	Métrique
Total des clients bancaires au détail	9,2 millions
Utilisateurs de la banque numérique	6,3 millions
Utilisateurs de la banque mobile	5,8 millions

Petites et moyennes entreprises

PNC fournit des services bancaires à environ 630 000 clients commerciaux de petite et moyenne taille.

• Total des clients bancaires d'entreprise: 630 000
• Gamme de revenus annuelle desservie: 500 000 $ - 50 millions de dollars
• Portfolio de prêt d'entreprise: 95,3 milliards de dollars

Clients corporatifs et commerciaux

PNC dessert plus de 11 000 clients d'entreprise et commerciaux avec des revenus annuels dépassant 50 millions de dollars.

Segment des clients d'entreprise	Nombre de clients
GRANDES clients d'entreprise	3,200
Clients du marché intermédiaire	7,800

Individus à haute nette

PNC Wealth Management sert des clients avec des actifs financiers importants.

• Clients totaux à haute noue: 165 000
• Valeur moyenne des actifs du client: 3,2 millions de dollars
• Total des actifs sous gestion: 528 milliards de dollars

Investisseurs institutionnels

PNC fournit des services financiers spécialisés aux entités d'investissement institutionnelles.

Catégorie d'investisseurs institutionnels	Nombre de clients
Fonds de pension	412
Dotation	287
Fondations d'investissement	203

PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: Structure des coûts

Maintenance du réseau de succursales

Au quatrième trimestre 2023, PNC exploite 2 639 succursales au détail dans 19 États et Washington, D.C. Les coûts annuels de maintenance des succursales étaient d'environ 847 millions de dollars en 2022.

Loyer et services publics de l'installation

Coûts opérationnels du personnel de la succursale

Infrastructure technologique de succursale

Catégorie de coûts	Dépenses annuelles
312 millions de dollars
435 millions de dollars
100 millions de dollars

Investissement technologique et infrastructure numérique

PNC a investi 1,2 milliard de dollars en technologie et infrastructure numérique en 2022.

• Développement de la plate-forme bancaire numérique: 425 millions de dollars
• Améliorations de la cybersécurité: 275 millions de dollars
• Cloud Computing et analyse des données: 350 millions de dollars
• Systèmes bancaires mobiles et en ligne: 150 millions de dollars

Salaires et avantages sociaux des employés

En 2022, les frais totaux de rémunération des employés de la PNC étaient de 6,1 milliards de dollars.

Catégorie de compensation	Dépenses annuelles
Salaires de base	4,2 milliards de dollars
Bonus de performance	870 millions de dollars
Avantages sociaux	1,03 milliard de dollars

Frais de conformité réglementaire

PNC dépensé 535 millions de dollars en conformité réglementaire en 2022.

• Département juridique et de conformité: 210 millions de dollars
• Systèmes de rapports réglementaires: 125 millions de dollars
• Contrôles anti-blanchiment (AML): 95 millions de dollars
• Infrastructure de gestion des risques: 105 millions de dollars

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing pour PNC en 2022 ont totalisé 412 millions de dollars.

Canal de marketing	Dépenses annuelles
Marketing numérique	178 millions de dollars
Publicité médiatique traditionnelle	134 millions de dollars
Campagnes d'acquisition de clients	100 millions de dollars

The PNC Financial Services Group, Inc. (PNC) - Modèle d'entreprise: sources de revenus

Revenu des intérêts des prêts et hypothèques

Pour l'exercice 2023, PNC a déclaré un revenu net d'intérêts de 8,4 milliards de dollars. La rupture des sources de revenus d'intérêts comprend:

Catégorie de prêt	Revenu d'intérêt
Prêts commerciaux	3,92 milliards de dollars
Hypothèques résidentielles	2,58 milliards de dollars
Prêts à la consommation	1,94 milliard de dollars

Frais bancaires et frais de service

PNC a généré 2,1 milliards de dollars de frais de service et de frais en 2023, avec la distribution des revenus suivante:

• Frais de service de compte de dépôt: 789 millions de dollars
• Frais de transaction ATM: 312 millions de dollars
• Frais de découvert: 436 millions de dollars
• Frais de maintenance du compte: 563 millions de dollars

Frais d'investissement et de gestion de la patrimoine

Les services d'investissement ont généré 1,65 milliard de dollars de revenus pour 2023:

Catégorie de service	Revenu
Avis de gestion de la patrimoine	892 millions de dollars
Services de planification de la retraite	458 millions de dollars
Gestion du portefeuille d'investissement	300 millions de dollars

Revenus de transaction de carte de crédit

Les revenus liés à la carte de crédit pour 2023 ont totalisé 743 millions de dollars, notamment:

• Frais d'échange: 412 millions de dollars
• Frais de carte annuels: 186 millions de dollars
• Frais de paiement en retard: 145 millions de dollars

Gestion des actifs et services de conseil

Les services de gestion des actifs ont contribué 1,2 milliard de dollars aux revenus de PNC en 2023:

Type de service	Revenu
Gestion des actifs institutionnels	678 millions de dollars
Gestion des actifs des clients privés	522 millions de dollars

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.