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PNC FINANCIAL SERVICES GROUP, INC.

For the period ended Dec 31, 2025. Filed Feb 20, 2026.

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About this filing

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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Contents

Loans

Table 8: Loans

December 31 · December 31 · Change
Dollars in millions20252024$%
Commercial
Commercial and industrial$195,723$175,790$19,93311%
Commercial real estate29,56533,619(4,054)(12)%
Equipment lease financing7,1756,7554206%
Total commercial232,463216,16416,2998%
Consumer
Residential real estate43,76046,415(2,655)(6)%
Home equity25,94125,991(50)—%
Automobile16,59115,3551,2368%
Credit card7,0146,8791352%
Education1,4681,636(168)(10)%
Other consumer4,2444,0272175%
Total consumer99,018100,303(1,285)(1)%
Total loans$331,481$316,467$15,0145%

Commercial loans increased driven by growth in the commercial and industrial portfolio, reflecting new production, partially offset by lower commercial real estate loans.

Consumer loans decreased primarily due to lower residential real estate loans as paydowns outpaced originations, partially offset by growth in the auto loan portfolio.

For additional information regarding our loan portfolio, see the Credit Risk Management portion of the Risk Management section, Note 1 Accounting Policies and Note 3 Loans and Related Allowance for Credit Losses.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.