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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

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Contents

Time Deposits

The aggregate amount of time deposit accounts (including certificates of deposit) in denominations that met or exceeded the insured limit were $9.9 billion at December 31, 2025.

Table 73 shows the total amount of time deposits at December 31, 2025 by future contractual maturity range:

Table 73: Time Deposits

In billions
2026 (a)$33.6
20270.2
20280.1
2029 (b)—
2030 (b)—
2031 and thereafter0.1
Total$34.0

(a)Amount includes $3.6 billion of brokered time deposits for which we have elected the fair value option. For additional information on our election of the fair value option on time deposits, refer to Note 14 Fair Value.

(b)Amount less than $0.1 billion.

The PNC Financial Services Group, Inc. –2025 Form 10-K 129

NOTE 9 BORROWED FUNDS

The following table shows the carrying value of total borrowed funds at December 31, 2025 (including adjustments related to accounting hedges, purchase accounting and unamortized original issuance discounts) by remaining contractual maturity:

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