PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 20, 2026
PNC$231.30+2.6%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Acronyms
| ACL | Allowance for credit losses | GAAP | Accounting principles generally accepted in the United States of America |
|---|---|---|---|
| AI | Artificial intelligence | GDP | Gross domestic product |
| ALCO | Asset and Liability Committee | GLB Act | Gramm-Leach-Bliley Act |
| ALLL | Allowance for loan and lease losses | GNMA | Government National Mortgage Association |
| AML | Anti-money laundering | GSE | Government-sponsored enterprise |
| AOCI | Accumulated other comprehensive income | GSIB | Globally systemically important bank |
| ASC | Accounting Standards Codification | HPI | Home price index |
| ASU | Accounting Standards Update | ISDA | International Swaps and Dealer Association |
| BHC | Bank holding company | ISP | The PNC Incentive Savings Plan |
| BHC Act | Bank Holding Company Act of 1956 | LCR | Liquidity coverage ratio |
| bps | Basis points | LGD | Loss given default |
| BSA | Bank Secrecy Act | LIHTC | Low income housing tax credit |
| CCAR | Comprehensive Capital Analysis and Review | LLC | Limited liability company |
| CECL | Current Expected Credit Losses | LTV | Loan-to-value ratio |
| CET1 | Common equity tier 1 | MSR | Mortgage servicing right |
| CFPB | Consumer Financial Protection Bureau | NAV | Net asset value |
| CFTC | Commodity Futures Trading Commission | NII | Net interest income |
| CLTV | Combined loan-to-value ratio | NMTC | New market tax credit |
| CODM | Chief operating decision maker | NSFR | Net stable funding ratio |
| CRA | Community Reinvestment Act | OCC | Office of the Comptroller of the Currency |
| DIF | Deposit Insurance Fund | OCI | Other comprehensive income |
| DFAST | Dodd-Frank capital stress testing | OREO | Other real estate owned |
| DUS | Delegated Underwriting and Servicing program | OTC | Over-the-counter |
| EAD | Exposure at default | PAM | Proportional amortization method |
| ERISA | Employee Retirement Income Security Act of 1974, as amended | PCD | Purchased credit deteriorated |
| ERM | Enterprise Risk Management | PD | Probability of default |
| EVE | Economic value of equity | RAC | Reserve Adequacy Committee |
| FDI Act | Federal Deposit Insurance Act | ROAP | Removal of account provisions |
| FDIC | Federal Deposit Insurance Corporation | SCB | Stress capital buffer |
| FDM | Financial difficulty modification | SEC | Securities and Exchange Commission |
| FHA | Federal Housing Administration | SOFR | Secured Overnight Financing Rate |
| FHLB | Federal Home Loan Bank | S&P | Standard & Poor’s |
| FHC | Financial holding company | SPE | Special purpose entity |
| FHLMC | Federal Home Loan Mortgage Corporation | TDR | Troubled debt restructuring |
| FICO | Fair Isaac Corporation (credit score) | U.S. | United States of America |
| FINRA | Financial Industry Regulatory Authority | USD | United States dollar |
| FNMA | Federal National Mortgage Association | VA | Department of Veterans Affairs |
| FOMC | Federal Open Market Committee | VaR | Value-at-risk |
| FTP | Funds transfer pricing | VEBA | Voluntary Employee Beneficiary Association |
| FRB | Federal Reserve Bank | VIE | Variable interest entity |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.