PNC FINANCIAL SERVICES GROUP, INC.

For the period ended Jun 30, 2025. Filed Aug 1, 2025.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2025 · Filed Aug 1, 2025

PNC$231.30+2.6%Stored close · as of Nov 9, 2026

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Nonperforming Assets

The following table presents our nonperforming assets as of June 30, 2025 and December 31, 2024:

Table 45: Nonperforming Assets

Dollars in millions	June 30, 2025	December 31, 2024
Nonperforming loans
Commercial	$1,251	$1,462
Consumer (a)	857	864
Total nonperforming loans (b)	2,108	2,326
OREO and foreclosed assets	33	31
Total nonperforming assets	$2,141	$2,357
Nonperforming loans to total loans	0.65%	0.73%
Nonperforming assets to total loans, OREO and foreclosed assets	0.66%	0.74%
Nonperforming assets to total assets	0.38%	0.42%

(a)Excludes most unsecured consumer loans and lines of credit, which are charged off after 120 to 180 days past due and are not placed on nonperforming status.

(b)Nonperforming loans for which there is no related ALLL totaled $0.6 billion at both June 30, 2025 and December 31, 2024. This primarily includes loans with a fair value of collateral that exceeds the amortized cost basis.

Additional Credit Quality Indicators by Loan Class

Commercial Loan Classes

See Note 3 Loans and Related Allowance for Credit Losses in our 2024 Form 10-K for additional information related to these loan classes, including discussion around the credit quality indicators that we use to monitor and manage the credit risk associated with each loan class.

56 The PNC Financial Services Group, Inc. –Form 10-Q

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