PITTSBURGH, Feb. 20, 2024 /PRNewswire/ -- The PNC Financial Services Group (NYSE: PNC) today announced that its Board of Directors has unanimously appointed Michael P. Lyons president of the corporation and its wholly owned banking subsidiary, PNC Bank, National Association, effective immediately.Lyons will report to William S. Demchak who will continue in his current roles as Chairman and Chief Executive Officer of the corporation. PNC's primary operating lines of business and the Regional Presidents Offic ...

The PNC Financial Services Group, Inc. (PNC) has announced plans to make an investment of $1 billion to open more than 100 branches and renovate above 1,200 existing locations by 2028. With this, the bank is poised to improve its branch network and extend access to banking services for its customers and communities nationwide.Such expansion moves will enable PNC to bolster its presence in key locations, including Austin, Dallas, Denver, Houston, Miami and San Antonio. With this, the bank will boost the reac ...

PNC银行扩张计划 - PNC银行计划投资10亿美元，在2028年之前开设100多家新分支机构并翻新1,200家现有分支机构[1] - PNC银行目前在全国拥有约2,300家实体分支机构[2] - 除了实体分支机构外，PNC银行还为客户提供6万台自有和合作伙伴ATM机、在线和移动银行平台以及客户服务中心[5][6] J.P.摩根大通扩张计划 - J.P.摩根大通计划在未来三年内开设500多家新银行分支机构，将其现有的4,897家分支机构纳入其中，并扩大在缺乏代表的地区的存在[8] - J.P.摩根大通还计划在美国翻新近1,700家现有分支机构，并为其分支网络再雇佣3,500名员工[9] 客户偏好和亲自到实体分支机构的重要性 - 客户仍然更喜欢亲自到实体银行分支机构开立新账户，因为实体分支机构可以让他们获得支持并更好地了解银行的政策和费用结构[10] - 55%的客户表示人际互动是他们对金融服务提供商忠诚的重要因素[11]

PNC Financial Services Group Inc. PNC said Wednesday it plans to spend $1 billion on its branch network. Plans include opening more than 100 new branches and renovating 1,200 out of a total network of 2,300 by the end of 2028. PNC plans to build new branches in San Antonio, Texas, Miami, Houston, Dallas, Denver and Austin, Texas, among other locations. Alex Overstrom, head of PNC Retail Banking, said the bank’s 15,000 team members help customers with home financing, check deposits, saving for retirement and ...

Plans to open more than 100 new branches, renovate more than 1,200 existing locationsPITTSBURGH, Feb. 14, 2024 /PRNewswire/ -- PNC Bank announced today a significant investment in its branch network aimed at extending access to banking services and financial expertise for customers and communities across the country. The plan includes an approximate $1 billion investment to open more than 100 new locations and renovate more than 1,200 existing locations through 2028. PNC Bank Branch Through this investm ...

PITTSBURGH, Feb. 7, 2024 /PRNewswire/ -- The PNC Financial Services Group, Inc. (NYSE: PNC) announced today that Executive Vice President and Chief Financial Officer Robert Q. Reilly will discuss business performance and  strategy at 8:50 a.m. (ET) Wednesday, Feb 21, at the Bank of America Financial Services Conference in Miami, FL. The following will be accessible at www.pnc.com/investorevents: a link to the live webcast; related materials, including cautionary statements regarding forward-looking informat ...

The PNC Financial Services Group, Inc. (PNC) reported fourth-quarter 2023 earnings per share of $3.16, which surpassed the Zacks Consensus Estimate of $2.99. The outperformance was aided by lower provision for credit losses and adjusted non-interest expenses compared with the year-ago quarter's level.Lower Provision for Credit Losses & Expenses Fuel OutperformanceNon-interest expenses totaled $4.1 billion in the fourth quarter of 2023. This included the impact of FDIC special assessment and workforce reduct ...

逾期贷款和不良贷款 - PNC金融服务集团第四季度逾期贷款、总不良贷款和净贷款核销均有所增加[1] - 第四季度逾期贷款增加了8%，不良贷款增加了3%[6] - 逾期贷款和净贷款核销主要受到消费者和商业贷款的推动，而不良贷款在商业贷款中较高，但在消费者贷款中较低[7] 商业地产贷款 - 商业地产（CRE）组合是导致增加的一个显著因素[2] - 总净贷款核销额中，有5600万美元来自商业地产客户[3] - CRE办公室组合仍然是我们看到最大压力的地方，第四季度的净贷款核销额为5600万美元[5] 公司存款趋势 - 针对公司存款，资金正在流向最大的银行，这是在2023年3月的银行动荡以及早期金融危机之后的长期趋势[10] - 在3月的“小危机”之后，PNC“几乎没有”从这一趋势中受益，而较小的银行挣扎，较大的银行更容易吸引公司存款[11] - 这一趋势在3月的小危机中加速，企业明确地不一定信任监管环境能够确保他们在银行的存款安全，因此我们看到这些存款流向大银行[12]

财务数据 - PNC金融服务集团第四季度净收入为8.83亿美元[5] - 第四季度调整后每股收益为3.16美元[5] - 贷款平均余额增长2%，达到3250亿美元[8] - 投资证券组合收益率为2.59%[10] - 第四季度总收入为54亿美元，较2023年第三季度增加了1.28亿美元[11] - 非利息支出为41亿美元，较上一季度增加8.29亿美元[11] - 2023年全年收入较2022年增长2%[11] - 核心非利息支出得到有效控制，增长1%[11] - 调整后的营业收入增长2%[11] - 2023年全年核心非利息支出得到有效控制，增长1%[11] - 第四季度收入同比增长2%，主要由于强劲的手续费收入，净利息收入略有下降[12] - 资本市场和咨询费用增长84%，资产管理和经纪收入增长3%，住宅和商业抵押贷款收入下降26%[12] - 第四季度非利息支出为41亿美元，较上一季度增加8.29亿美元，其中包括6.65亿美元的非核心费用[13] - 核心非利息支出环比增长5%，全年核心非利息支出增长1%[13] 未来展望 - 预计2024年全年贷款增长3%至4%，总收入稳定至下降2%[16] - 预计2024年第一季度净利息收入下降2%至3%，手续费收入下降6%至8%[16] - 预计2024年全年非利息收入增长4%至6%[16] - 预计2024年全年核心非利息支出稳定[16] - 预计2024年第一季度净坏账准备金在2亿至2.5亿美元之间[16] - 2024年指导预期暗示运营杠杆率负100个基点[28] - NII预测对于利率削减或不削减是相对稳定的[29] - 预测中的变化可能出现在存款贝塔、利息支出和收益率曲线陡峭度方面[31] - 预计NII在年初下降，然后在利率削减后回升，并在2025年达到纪录水平[34] - 预计商业和高净值客户的存款成本下降速度较快，而核心消费者的存款成本可能会继续上升[36] - 预计商业贷款增长将在下半年出现，而消费者贷款增长将缓慢稳定[39] 市场扩张和并购 - 公司与私募股权公司合作，但目前竞争不是很激烈[45] 新产品和新技术研发 - 公司持有Visa股份，有1.5亿美元的未实现收益，将根据Visa股东的投票结果制定后续的变现计划[49] 其他新策略 - 公司计划在第一季度至少进行1亿美元的股票回购，可能会更多，具体取决于市场指示[61]

PNC金融服务集团第四季度表现 - PNC金融服务集团第四季度的利润受到监管机构的罚款和裁员费用的影响[1] - PNC报告2023年第四季度净收入下降43%，至8.83亿美元，每股1.85美元，低于预期[3] - 公司表示净利息收入比去年同期减少2.81亿美元，净利息净利差下降26个基点[5]