The PNC Financial Services Group, Inc.

NYSE-PNC

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Operating Activities	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Income	1,822	1,643	1,499	1,627	1,505	1,477
Net Income
Depreciation & Amortization	101	82	90	164	21	37
Depreciation, Amortization and Accretion
Net Change in Loans Held-for-Sale	707	-658	-297	-133	220	-249
Loans Held for Sale and Related Securitization Activity
Other Adjustments	84	128	144	-82	205	-166
Deferred Income Taxes
Net Losses on Sales of Securities
Changes in Fair Value of Mortgage Servicing Rights
Gain on Sale of BlackRock
Undistributed Earnings of BlackRock
Gain on Visa Shares Exchange Program
Changes in Trading Assets	-1,647	-151	-1,495	287	-662	-18
Trading Securities and Other Short-Term Investments
Changes in Accrued Expenses	306	-784	-1,611	-810	371	-671
Accrued Expenses and Other Liabilities
Changes in Other Operating Activities	1,116	966	942	591	1,384	390
Other Assets
Other Operating Activities, Net
Net Cash Provided by Discontinued Operations
Cash from Operating Activities	2,656	1,480	-509	1,800	3,287	1,035
Net Cash Provided by Operating Activities

Cash Flow Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23	Jun '23	Mar '23	Dec '22
Provision for Credit Losses	167	254	219	156	243	235
Provision for Credit Losses

Investing Activities	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-669	257	-445	219	-773	171
Federal Funds Sold and Resale Agreements
Net Change in Loans Held-for-Investment	-631	-7,719	-2,653	4,413	-214	-1,906
Loans
Loans
Loans
Net Change in Securities and Investments	1,307	-3,721	2,263	3,019	-2,565	-8,027
Securities Available-for-Sale
Securities Available-for-Sale
Securities Held-to-Maturity
Securities Available-for-Sale
Securities Held-to-Maturity
Payments for Business Acquisitions	—	—	—	—	—	—
Net Cash Paid for Acquisition
Proceeds from Business Divestments	—	—	—	—	—	—
Net Proceeds from Sale of BlackRock
Net Cash Received from Divestiture Activity
Other Investing Activities	-827	-525	-145	-516	-230	-266
Change in Interest-Earning Deposits with Banks
Net Cash Received from Acquisition and Divestiture Activity
Purchases of Bank Owned Life Insurance
Other Investing Activities, Net
Cash from Investing Activities	-820	-11,708	-980	7,135	-3,782	-10,028
Net Cash Provided by Investing Activities

Financing Activities	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Net Change in Deposits	6,051	3,782	-3,823	2,697	7,646	-9,209
Noninterest-Bearing Deposits
Interest-Bearing Deposits
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	132	-33	-3	37	67	-11
Federal Funds Purchased and Repurchase Agreements
Issuance of Short-Term Debt	—	—	—	—	—	—
Commercial Paper
Repayments of Short-Term Debt	—	—	—	—	—	—
Commercial Paper
Net Issuance / (Repayments) of Short-Term Debt	—	—	—	—	—	—
Issuance of Long-Term Debt	3,893	5,495	2,742	5,725	4,175	1,903
Federal Home Loan Bank Advances
Senior Debt
Subordinated Debt
Other Borrowed Funds
Repayments of Long-Term Debt	-3,000	-5,700	-4,750	-10,806	-7,790	-3,433
Federal Home Loan Bank Advances
Senior Debt
Subordinated Debt
Other Borrowed Funds
Net Issuance / (Repayments) of Long-Term Debt	893	-205	-2,008	-5,081	-3,615	-1,530
Issuance of Common Shares	61	-25	25	9	60	-24
Common and Treasury Stock
Repurchases of Common Shares	-334	-336	-262	-221	-130	-113
Acquisition of Treasury Stock
Net Issuance / (Repurchases) of Common Shares	-273	-361	-237	-212	-70	-137
Issuance of Preferred Shares	—	—	—	—	—	—
Preferred Stock
Repurchases of Preferred Shares	—	—	—	-500	-250	—
Preferred Stock Redemption
Net Issuance / (Repurchases) of Preferred Shares	—	—	—	-500	-250	—
Common Share Dividends Paid	-678	-642	-639	-644	-646	-623
Common Stock Cash Dividends Paid
Preferred Share Dividends Paid	-71	-83	-71	-94	-82	-95
Preferred Stock Cash Dividends Paid
Other Financing Activities	621	-270	419	-49	625	-225
Short-Term Federal Home Loan Bank Borrowings
Commercial Paper
Other Borrowed Funds
Other Borrowed Funds
Other Borrowed Funds
Redemption of Noncontrolling Interests
Cash from Financing Activities	6,641	2,222	-6,362	-3,870	2,400	-11,271
Net Cash Provided by Financing Activities

Free Cash Flow	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Free Cash Flow	2,656	1,480	-509	1,800	3,287	1,035
Levered Free Cash Flow	2,504	1,450	-2,674	-3,335	-1,095	-430
Unlevered Free Cash Flow	-124	113	-2,074	232	1,114	-262
Net Change in Cash	8,477	-8,006	-7,851	5,065	1,905	-20,264