PNC Financial Services Group, Inc. (PNC) FY2026 YTD Q2 Statement of Cash Flows

Income StatementCash FlowBalance Sheet

Statement of Cash Flows

2026-01-01 to 2026-06-30

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PNC Financial Services Group, Inc. cash flow reconciliation, Jan 1, 2026 through Jun 30, 2026One connected Sankey reconciles operating, investing and financing net cash flows through a shared cash pool, from beginning cash to ending cash. Ribbons flow left to right on one dollar scale. Activity totals are dark gray; beginning and ending cash are blue. Cash basis for beginning and ending balances and net cash change: Cash, cash equivalents, and restricted cash. Intermediate calculation bars are lighter gray. Net income is green for profit and red for loss. Identified asset purchases, sales and maturities are blue in either cash direction. Purple identifies capital transactions such as borrowing, repayments, share issuance and dividends. Read chart description and values below for full signed amounts, including zero items.Net income → Net cash from operating activities: $3,827,000,000.00Other operating activities, net → Operating adjustments reconciliation: $1,053,000,000.00Provision For Credit Losses → Operating adjustments reconciliation: $401,000,000.00Loans held for sale and related securitization activity → Operating adjustments reconciliation: $377,000,000.00Changes in fair value of mortgage servicing rights → Operating adjustments reconciliation: $185,000,000.00Depreciation, amortization and accretion → Operating adjustments reconciliation: $173,000,000.00Deferred income taxes (benefit) → Operating adjustments reconciliation: $152,000,000.00Net losses on sales of securities → Operating adjustments reconciliation: $111,000,000.00Operating adjustments reconciliation → Net cash from operating activities: $248,000,000.00Operating adjustments reconciliation → Accrued expenses and other liabilities: $1,284,000,000.00Operating adjustments reconciliation → Gain on Visa shares exchange program: $448,000,000.00Operating adjustments reconciliation → Other assets: $285,000,000.00Operating adjustments reconciliation → Trading securities and other short-term investments: $187,000,000.00Federal Home Loan Bank advances → financing reconciliation: $28,000,000,000.00Senior debt → financing reconciliation: $4,211,000,000.00Short-term Federal Home Loan Bank advances → financing reconciliation: $4,000,000,000.00Subordinated debt → financing reconciliation: $1,495,000,000.00Other borrowed funds → financing reconciliation: $198,000,000.00Other financing activities, net → financing reconciliation: $137,000,000.00Common and treasury stock → financing reconciliation: $34,000,000.00financing reconciliation → Net cash from financing activities: $10,603,000,000.00financing reconciliation → Interest-bearing deposits: $11,862,000,000.00financing reconciliation → Federal Home Loan Bank advances: $6,000,000,000.00financing reconciliation → Senior debt: $4,250,000,000.00financing reconciliation → Noninterest-bearing deposits: $2,282,000,000.00financing reconciliation → Acquisition of treasury stock: $1,418,000,000.00financing reconciliation → Common stock cash dividends paid: $1,387,000,000.00financing reconciliation → Preferred stock cash dividends paid: $158,000,000.00financing reconciliation → Subordinated debt: $71,000,000.00financing reconciliation → Federal funds purchased and repurchase agreements: $44,000,000.00Net cash used in investing activities → investing reconciliation: $25,646,000,000.00Securities available-for-sale → investing reconciliation: $11,977,000,000.00Securities held-to-maturity → investing reconciliation: $6,582,000,000.00Securities available-for-sale → investing reconciliation: $4,406,000,000.00Net change in federal funds sold and resale agreements → investing reconciliation: $501,000,000.00Loans → investing reconciliation: $403,000,000.00investing reconciliation → Other changes in loans, net: $20,490,000,000.00investing reconciliation → Securities available-for-sale: $13,672,000,000.00investing reconciliation → Securities held-to-maturity: $11,066,000,000.00investing reconciliation → Other investing activities, net: $3,079,000,000.00investing reconciliation → Loans: $1,128,000,000.00investing reconciliation → Net cash paid for acquisition: $80,000,000.00Beginning cash: Cash, cash equivalents, and restricted cash → Cash sources and uses: $39,713,000,000.00Net cash from operating activities → Cash sources and uses: $4,075,000,000.00Net cash from financing activities → Cash sources and uses: $10,603,000,000.00Cash sources and uses → Ending cash: Cash, cash equivalents, and restricted cash: $28,745,000,000.00Cash sources and uses → Net cash used in investing activities: $25,646,000,000.00Net income: $3,827,000,000.00Net income+$3.83 BProvision For Credit Losses: $401,000,000.00Provision For Credit Losses+$401.00 MDepreciation, amortization and accretion: $173,000,000.00Depreciation & amortization+$173.00 MDeferred income taxes (benefit): $152,000,000.00Deferred income taxes+$152.00 MNet losses on sales of securities: $111,000,000.00AFS securities gain & loss+$111.00 MChanges in fair value of mortgage servicing rights: $185,000,000.00Mortgage servicing rights FV+$185.00 MGain on Visa shares exchange program: -$448,000,000.00Visa share exchange gain−$448.00 MTrading securities and other short-term investments: -$187,000,000.00Trading securities, net−$187.00 MLoans held for sale and related securitization activity: $377,000,000.00Loans held for sale, net+$377.00 MOther assets: -$285,000,000.00Other operating assets−$285.00 MAccrued expenses and other liabilities: -$1,284,000,000.00Accrued & other liabilities−$1.28 BOther operating activities, net: $1,053,000,000.00Other working capital, net+$1.05 BNet cash from operating activities: $4,075,000,000.00Operating cash+$4.08 BOperating adjustments reconciliation: $2,452,000,000.00Noninterest-bearing deposits: -$2,282,000,000.00Noninterest-bearing deposits−$2.28 BInterest-bearing deposits: -$11,862,000,000.00Interest-bearing deposits−$11.86 BFederal funds purchased and repurchase agreements: -$44,000,000.00Federal funds & repo−$44.00 MShort-term Federal Home Loan Bank advances: $4,000,000,000.00Short-term FHLB advances+$4.00 BOther borrowed funds: $198,000,000.00Short-term debt ≤3 months, net+$198.00 MFederal Home Loan Bank advances: $28,000,000,000.00Federal Home Loan Bank advances+$28.00 BSenior debt: $4,211,000,000.00Senior debt+$4.21 BSubordinated debt: $1,495,000,000.00Subordinated notes issued+$1.50 BCommon and treasury stock: $34,000,000.00Common and treasury stock+$34.00 MFederal Home Loan Bank advances: -$6,000,000,000.00Federal Home Loan Bank advances−$6.00 BSenior debt: -$4,250,000,000.00Senior debt−$4.25 BSubordinated debt: -$71,000,000.00Subordinated debt−$71.00 MAcquisition of treasury stock: -$1,418,000,000.00Common stock repurchases−$1.42 BPreferred stock cash dividends paid: -$158,000,000.00Preferred dividends paid−$158.00 MCommon stock cash dividends paid: -$1,387,000,000.00Common dividends paid−$1.39 BOther financing activities, net: $137,000,000.00Other financing, net+$137.00 MNet cash from financing activities: $10,603,000,000.00Financing cash+$10.60 Bfinancing reconciliation: $38,075,000,000.00Securities available-for-sale: $11,977,000,000.00Securities available-for-sale+$11.98 BLoans: $403,000,000.00Investment loan sales+$403.00 MSecurities available-for-sale: $4,406,000,000.00AFS securities maturities+$4.41 BSecurities held-to-maturity: $6,582,000,000.00HTM securities maturities+$6.58 BSecurities available-for-sale: -$13,672,000,000.00AFS securities purchases−$13.67 BSecurities held-to-maturity: -$11,066,000,000.00HTM securities purchases−$11.07 BLoans: -$1,128,000,000.00Investment loan purchases−$1.13 BNet change in federal funds sold and resale agreements: $501,000,000.00Federal funds & resale, net+$501.00 MOther changes in loans, net: -$20,490,000,000.00Other changes in loans, net−$20.49 BNet cash paid for acquisition: -$80,000,000.00Acquisitions, net of cash−$80.00 MOther investing activities, net: -$3,079,000,000.00Other investing, net−$3.08 BNet cash used in investing activities: -$25,646,000,000.00. Cash required to fund net payments.Investing cash−$25.65 Binvesting reconciliation: $49,515,000,000.00Cash sources and uses: $54,391,000,000.00Beginning cash: Cash, cash equivalents, and restricted cash: $39,713,000,000.00Beginning cash$39.71 BEnding cash: Cash, cash equivalents, and restricted cash: $28,745,000,000.00Ending cash$28.75 BCASH RECONCILIATIONOperatingflowsFinancingflowsInvestingflowsFree cash flowNot availableCash flow / Net income1.06×Operating cash flow ÷ net incomeNet cash change−$10.97 BEnding cash − beginning cash
Chart details

PNC Financial Services Group, Inc. cash flow reconciliation, Jan 1, 2026 through Jun 30, 2026

Cash flows for Jan 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Dec 31, 2025. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.

Beginning cash on Dec 31, 2025
39,713,000,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
Operating activities
4,075,000,000 US dollars. Net cash provided.
Net income
3,827,000,000 US dollars
Provision For Credit Losses
401,000,000 US dollars
Depreciation, amortization and accretion
173,000,000 US dollars
Deferred income taxes (benefit)
152,000,000 US dollars
Net losses on sales of securities
111,000,000 US dollars
Changes in fair value of mortgage servicing rights
185,000,000 US dollars
Gain on Visa shares exchange program
negative 448,000,000 US dollars
Trading securities and other short-term investments
negative 187,000,000 US dollars
Loans held for sale and related securitization activity
377,000,000 US dollars
Other assets
negative 285,000,000 US dollars
Accrued expenses and other liabilities
negative 1,284,000,000 US dollars
Other operating activities, net
1,053,000,000 US dollars
Investing activities
negative 25,646,000,000 US dollars. Net cash used.
Securities available-for-sale
11,977,000,000 US dollars
Loans
403,000,000 US dollars
Securities available-for-sale
4,406,000,000 US dollars
Securities held-to-maturity
6,582,000,000 US dollars
Securities available-for-sale
negative 13,672,000,000 US dollars
Securities held-to-maturity
negative 11,066,000,000 US dollars
Loans
negative 1,128,000,000 US dollars
Net change in federal funds sold and resale agreements
501,000,000 US dollars
Other changes in loans, net
negative 20,490,000,000 US dollars
Net cash paid for acquisition
negative 80,000,000 US dollars
Other investing activities, net
negative 3,079,000,000 US dollars
Financing activities
10,603,000,000 US dollars. Net cash provided.
Noninterest-bearing deposits
negative 2,282,000,000 US dollars
Interest-bearing deposits
negative 11,862,000,000 US dollars
Federal funds purchased and repurchase agreements
negative 44,000,000 US dollars
Short-term Federal Home Loan Bank advances
4,000,000,000 US dollars
Other borrowed funds
198,000,000 US dollars
Federal Home Loan Bank advances
28,000,000,000 US dollars
Senior debt
4,211,000,000 US dollars
Subordinated debt
1,495,000,000 US dollars
Common and treasury stock
34,000,000 US dollars
Federal Home Loan Bank advances
negative 6,000,000,000 US dollars
Senior debt
negative 4,250,000,000 US dollars
Subordinated debt
negative 71,000,000 US dollars
Acquisition of treasury stock
negative 1,418,000,000 US dollars
Preferred stock cash dividends paid
negative 158,000,000 US dollars
Common stock cash dividends paid
negative 1,387,000,000 US dollars
Other financing activities, net
137,000,000 US dollars
Operating adjustment reconciliation
2,452,000,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
financing gross reconciliation
38,075,000,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
investing gross reconciliation
49,515,000,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
Exchange-rate effect
0 US dollars
Ending cash on Jun 30, 2026
28,745,000,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
Cash sources and uses
54,391,000,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
Net cash change
negative 10,968,000,000 US dollars. Ending cash minus beginning cash.
Cash flow / Net income
1.06×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.

Chart connections

  • Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
  • Financing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Investing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Operating reconciliation adjustments are not all independent cash receipts.
  • Net income enters operating cash directly in the reconciliation. The adjustment junction contributes the remaining $248.00M after reconciling the other positive and negative adjustments. These connections depict an accounting reconciliation, not traced cash receipts.
  • Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
  • The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
PNC Financial Services Group, Inc. (PNC) FY2026 YTD Q2 Statement of Cash Flows Sankey chart
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