PNC · 10-Q · 2026Q2 · Full report

Capital Adequacy and Requirements

PNC FINANCIAL SERVICES GROUP, INC. · 2026-08-05 · Importance 37 · Surprise 32

PNC states that its capital and liquidity priorities are to support customers, fund business investments and return excess capital while maintaining appropriate levels under economic conditions and the Basel III framework. Its CET1 ratio was 9.9% at June 30, 2026, compared with 10.6% at December 31, 2025. PNC returned $1.3 billion to shareholders during the second quarter through $0.7 billion of common dividends and $0.6 billion of share repurchases. On July 6, 2026, the board raised the quarterly common dividend by 18% to $2.00 per share.

Key facts

• Basel III standardized approach risk-weighted assets were $487,843 million and supplementary leverage exposure was $749,242 million at June 30, 2026. source
• PNC states its regulatory capital ratios in the future will depend on PNC’s financial performance, the scope and terms of final capital regulations then in effect and management actions affecting the composition of PNC’s balance sheet. source
• PNC states its ability to determine, evaluate and forecast regulatory capital ratios, and to take actions (such as capital distributions) based on actual or forecasted capital ratios, will be dependent at least in part on the development, validation and regulatory review of related models and the reliability of and risks resulting from extensive use of such models. source
• Basel III common equity tier 1 capital was $48,413 million at June 30, 2026. source
• Basel III Tier 1 capital was $54,292 million and total Basel III capital was $62,922 million at June 30, 2026. source
• Common shareholders' equity at June 30, 2026 was $58,131 million, increased $3,303 million, or 6%, compared to December 31, 2025 source
• To qualify as "well capitalized," PNC must have tier 1 risk-based capital of at least 6% and total risk-based capital of at least 10%; PNC Bank must have CET1 of at least 6.5%, tier 1 of at least 8%, total of at least 10% and leverage ratio of at least 5%. source
• Basel III ratios at June 30, 2026: common equity tier 1 9.9%, tier 1 11.1%, total 12.9%, leverage 9.0%, supplementary leverage ratio 7.2%. source