Retail Banking Performance - PNC Retail Banking's YTD average deposits reached $243 billion, accounting for 56% of total PNC deposits[8] - YTD average loans amounted to $97 billion, representing 30% of total PNC loans[8] - LTM revenue totaled $15 billion, contributing 54% of business segment revenue[8] - Retail Banking Pretax, Pre-Provision Earnings (PPNR) increased significantly from $18 billion in YTD 2022 to $54 billion in YTD 2025[8, 30] Client Base Growth and Expansion - Consumer DDAs (demand deposit accounts) have grown from 93 million in 2022 to 97 million as of 9/30/2025, a 11% increase[14] - PNC is increasing new branch builds to >300 by 2030 to drive density[16] - PNC is expanding into new markets, with significant branch builds planned in Miami (+40), Atlanta (+25), and Charlotte (+25)[16] Digital and Customer Experience Investments - 77% of consumer DDA households are digitally active[18] - Branch Channel NPS (Net Promoter Score) has increased by 10 points from 71 in 2022 to 81 in YTD 2025[18] - New card suite, digital direct deposit, and new online banking were launched in 2025[18] Wealth Management and Credit Card Growth - Client assets in Wealth Management have grown from $44 billion in 2016 to $89 billion as of 9/30/2025, representing an 8% CAGR[20] - Wealth Management revenue has increased from $03 billion in 2016 to $08 billion in 2025 (annualized), representing a 10% CAGR[20]