$PNC Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $6.56B (Est. $6.61B) 🔴; +11% YoY 🔹 EPS: $4.97 (Est. $4.92) 🟢 🔹 Adj. EPS: $5.09 🔹 Net Interest Income: $4.21B; +15% YoY 🔹 Fee Income: $2.14B; +4% YoY 🔹 PPNR: $2.81B (Est. $2.85B) 🔴 Q4’26 Guide: 🔹 Share Repurchases: approximate Q3’26 levels Segment Earnings: 🔹 Retail Banking: $1.43B; +5% YoY 🔹 Corporate & Institutional: $1.55B 🔹 Asset Management Group: $128M; +7% YoY Other Q3 Metrics: 🔹 Avg Loans: $372.2B; +14% YoY 🔹 Avg Deposits: $461.2B; +7% YoY 🔹 Net Interest Margin: 2.94% 🔹 Capital Markets & Advisory: $433M 🔹 Efficiency Ratio: 57% 🔹 Provision for Credit Losses: $189M 🔹 Net Loan Charge-Offs: $257M; +44% YoY 🔹 CET1 Ratio: 9.8% 🔹 Book Value/Share: $142.17 (Est. $148.21) 🔴 🔹 Tangible Book Value/Share: $107.64 Financials: 🔹 Net Income: $2.10B 🔹 ROTCE: 18.28% Capital Return: 🔹 Dividend: $2.00/share 🔹 Share Repurchases: $0.6B Key Updates: 🔹 Integration costs and 3Q26 significant items: $48M net income decline, a 12 cent reduction to EPS 🔹 Gains related to Visa share exchange: $11M 🔹 Visa Class B-3 derivative fair value adjustments: -$36M Comments: 🔸 “We are well positioned, and remain confident in our long-term outlook.”