PNC · 8-K · 20261015PR065997

Capital Adequacy and Requirements

PNC FINANCIAL SERVICES GROUP, INC. · 2026-10-15 · Importance 55 · Surprise 32

PNC reported an estimated Basel III CET1 capital ratio of 9.8% at September 30, 2026, down 80 basis points from a year earlier. Its estimated CET1 ratio including accumulated other comprehensive income was 8.8%. The estimated fully phased-in Basel III Endgame CET1 ratio was 9.8% to 10.0%.

Key facts

• PNC’s average total equity in 3Q26 was $63.2 billion, down $0.3 billion linked quarter and up $5.4 billion or 9% year over year. source
• PNC estimated a fully phased-in Basel III Endgame CET1 ratio of 9.8%–10.0% at September 30, 2026. source
• PNC’s estimated September 30, 2026 CET1 ratio was 9.8%; its estimated CET1 ratio including AOCI was 8.8%. source
• PNC’s period-end AOCI was negative $6.5 billion at September 30, 2026, compared with negative $4.1 billion at June 30, 2026 and negative $2.4 billion at September 30, 2025. source
• PNC’s 3Q26 return on average tangible common equity was 18.3%, non-GAAP. source
• PNC tangible book value per common share was $107.64 at September 30, 2026. source
• PNC’s Basel III CET1 capital ratio was estimated at 9.8% on September 30, 2026, versus 9.9% at June 30, 2026 and 10.7% a year earlier. source