PNC FINANCIAL SERVICES GROUP, INC.

For the period ended Jul 15, 2026. Filed Jul 15, 2026.

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Jul 15, 2026 · Filed Jul 15, 2026

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PNC$225.38-0.6%Stored close · as of Nov 6, 2026

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Contents

EX-99.2 · Average Balance Sheet

THE PNC FINANCIAL SERVICES GROUP, INC.	Page 3

Table 3: Average Consolidated Balance Sheet (Unaudited) (a) (b)
Three months ended · Six months ended
	June 30	March 31	December 31	September 30	June 30	June 30	June 30
In millions	2026	2026	2025	2025	2025	2026	2025
Assets
Interest-earning assets:
Investment securities
Securities available-for-sale
Residential mortgage-backed	$37,333	$34,652	$33,564	$34,752	$34,567	$36,000	$34,182
U.S. Treasury and government agencies	27,972	28,491	28,119	26,799	25,372	28,230	24,880
Other	8,407	8,505	8,202	8,293	7,818	8,456	7,663
Total securities available-for-sale	73,712	71,648	69,885	69,844	67,757	72,686	66,725
Securities held-to-maturity
Residential mortgage-backed	46,512	45,078	42,925	42,667	40,440	45,799	40,243
U.S. Treasury and government agencies	18,687	20,683	23,426	25,540	26,900	19,679	27,910
Other	8,188	7,117	5,983	6,384	6,838	7,656	7,180
Total securities held-to-maturity	73,387	72,878	72,334	74,591	74,178	73,134	75,333
Total investment securities	147,099	144,526	142,219	144,435	141,935	145,820	142,058
Loans
Commercial and industrial	223,711	211,358	198,726	195,903	191,526	217,569	187,796
Commercial real estate	35,057	34,367	30,173	30,850	31,838	34,714	32,450
Consumer	55,334	55,483	54,884	54,238	53,851	55,408	53,637
Residential real estate	49,094	49,675	44,146	44,941	45,539	49,383	45,823
Total loans	363,196	350,883	327,929	325,932	322,754	357,074	319,706
Interest-earning deposits with banks (c)	30,734	32,612	32,009	35,003	31,570	31,668	33,209
Other interest-earning assets	13,985	12,457	18,618	12,759	11,348	13,238	10,750
Total interest-earning assets	555,014	540,478	520,775	518,129	507,607	547,800	505,723
Noninterest-earning assets	61,256	60,984	55,071	53,404	54,079	61,122	53,323
Total assets	$616,270	$601,462	$575,846	$571,533	$561,686	$608,922	$559,046
Liabilities and Equity
Interest-bearing liabilities:
Interest-bearing deposits
Money market	$81,402	$85,196	$78,742	$75,890	$70,909	$83,288	$71,980
Demand	136,487	137,558	132,591	128,962	126,222	137,020	125,637
Savings	102,624	100,940	97,188	96,627	97,028	101,787	97,217
Time deposits	33,027	35,579	36,180	37,593	35,674	34,295	34,227
Total interest-bearing deposits	353,540	359,273	344,701	339,072	329,833	356,390	329,061
Borrowed funds
Federal Home Loan Bank advances	29,362	16,616	14,671	17,615	18,319	23,024	19,007
Senior debt	38,184	37,383	38,623	38,012	36,142	37,786	35,541
Subordinated debt	4,544	4,200	3,299	3,616	3,686	4,373	4,001
Other	6,843	4,675	3,722	7,070	7,146	5,766	6,352
Total borrowed funds	78,933	62,874	60,315	66,313	65,293	70,949	64,901
Total interest-bearing liabilities	432,473	422,147	405,016	405,385	395,126	427,339	393,962
Noninterest-bearing liabilities and equity:
Noninterest-bearing deposits	103,479	99,081	94,834	92,756	93,142	101,292	92,757
Accrued expenses and other liabilities	16,848	16,944	16,646	15,624	16,942	16,909	16,580
Equity	63,470	63,290	59,350	57,768	56,476	63,382	55,747
Total liabilities and equity	$616,270	$601,462	$575,846	$571,533	$561,686	$608,922	$559,046

(a)Calculated using average daily balances.

(b)Nonaccrual loans are included in loans, net of unearned income. The impact of financial derivatives used in interest rate risk management is included in the interest income/expense and average yields/rates of the related assets and liabilities. Fair value adjustments related to hedged items are included in noninterest-earning assets and noninterest-bearing liabilities. Average balances of securities are based on amortized historical cost (excluding adjustments to fair value, which are included in other assets).

(c)Amounts include average balances held with the Federal Reserve Bank of $29.9 billion, $31.8 billion, $31.3 billion, $34.2 billion and $30.8 billion for the three months ended June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025 and June 30, 2025 and $30.8 billion and $32.5 billion for the six months ended June 30, 2026 and 2025, respectively.

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