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Mar 31
PNC Q1 2025 Earnings Report
PNC reported strong results in Q1 2025 with solid earnings and capital levels, despite seasonal and market-driven headwinds.
Key Takeaways
PNC Financial delivered a robust performance in Q1 2025 with $1.5 billion in net income and $5.45 billion in revenue. Earnings per share came in at $3.51. The bank expanded its net interest margin and maintained strong credit metrics while navigating seasonal declines and slower capital markets activity.
Net income reached $1.5 billion, with diluted EPS at $3.51.
Revenue totaled $5.45 billion, driven by stable fee income and lower funding costs.
Net interest margin expanded to 2.78%, despite two fewer days in the quarter.
Capital position remained strong with a CET1 ratio of 10.6%.
PNC
PNC
PNC Revenue by Segment
PNC Revenue by Geographic Location
Revenue by Segment
Retail Banking Revenue
CapyFin.comCorporate & Institutional Revenue
CapyFin.comAsset Management Revenue
CapyFin.comRevenue by Geographic Location
United States Revenue
CapyFin.com Forward Guidance
PNC expects record net interest income and positive operating leverage for 2025, though macroeconomic uncertainty and market volatility could pose challenges.
Positive Outlook
- Anticipates record net interest income for the full year.
- Strong capital and liquidity positions support flexibility.
- Net interest margin expected to remain stable or expand.
- Positive operating leverage outlook for 2025.
- Loan growth momentum continues, particularly in commercial & industrial.
Challenges Ahead
- Market uncertainty is impacting capital markets activity.
- Higher delinquency levels tied to California wildfire forbearance.
- Fee income pressure from seasonal and macro factors.
- Elevated credit loss provisions due to macroeconomic shifts.
- Potential headwinds from interest rate changes and trade policy risks.