PNC金融服务集团（PNC）2025年年度报告「NYSE」（英文版）（216页）.pdf

1、The PNC Financial Services Group 2025 Annual Report Smart.Steady.Strategic.A brilliant way to grow.THE PNC FINANCIAL SERVICES GROUP,INC.2025 ANNUAL REPORTThe PNC Financial Services Group,Inc.Financial Highlights Year ended December 31 In millions,except per share data 2025 2024 2023 FINANCIAL RESULT

2、S Net interest income$14,410$13,499$13,916 Fee income(non-GAAP)7,925 7,345 6,955 Other noninterest income 764 711 619 Noninterest income 8,689 8,056 7,574 Revenue 23,099 21,555 21,490 Noninterest expense 13,834 13,524 14,012 Pretax,pre-provision earnings(non-GAAP)9,265 8,031 7,478 Provision for cred

3、it losses 779 789 742 Income taxes 1,489 1,289 1,089 Net income 6,997 5,953 5,647 PER COMMON SHARE Diluted earnings$16.59$13.74$12.79 Cash dividends 6.60 6.30 6.10 Closing price 208.73 192.85 154.85 Book value 140.44 122.94 112.72 Tangible book value(non-GAAP)112.51 95.33 85.08 BALANCE SHEET At year

4、 end Assets$573,572$560,038$561,580 Loans 331,481 316,467 321,508 Deposits 440,866 426,738 421,418 Common shareholders equity 54,828 48,676 44,864 Common shares outstanding 390 396 398 SELECTED RATIOS Return on average common shareholders equity 12.90%11.92%12.35%Return on average assets 1.24 1.05 1

5、.01 Net interest margin(non-GAAP)2.83 2.66 2.76 Noninterest income to total revenue 38 37 35 Efficiency 60 63 65 Basel III common equity Tier 1 capital ratio 10.6 10.5 9.9 Fee income is a non-GAAP measure and is comprised of noninterest income in the following categories:asset management and brokera

6、ge,capital markets and advisory,card and cash management,lending and deposit services,and residential and commercial mortgage.Pretax pre-provision earnings is a non-GAAP measure and is based on adjusting income before income taxes and noncontrolling interests to exclude provision for credit losses.A