Business Segments · Total noninterest expense
Retail Banking — Total noninterest expense
PNC Financial Services Retail Banking — Total noninterest expense increased by 1.8% to $1.98B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.7%, from $2.01B to $1.98B. Over 3 years (FY 2022 to FY 2025), Retail Banking — Total noninterest expense shows relatively stable performance with a 0.5% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ1 2022
Last reportedQ4 2025
How to read this metric
Lower expenses relative to revenue indicate higher operational efficiency and better profit margins.
Detailed definition
The aggregate of all operating expenses for the retail banking segment, excluding interest expense and credit provisions...
Peer comparison
Used to calculate the efficiency ratio, a key benchmark for all retail banks.
Metric ID:
pnc_segment_retail_banking_total_noninterest_expenseHistorical Data
16 periods
| Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.90B | $1.90B | $1.90B | $1.90B | $1.89B | $1.89B | $1.89B | $1.89B | $1.84B | $1.84B | $1.84B | $2.01B | $1.90B | $1.89B | $1.94B | $1.98B |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | -0.6% | +0.0% | +0.0% | +0.0% | -2.7% | +0.2% | +0.1% | +9.2% | -5.4% | -0.7% | +2.7% | +1.8% |
| YoY Change | — | — | — | — | -0.6% | -0.6% | -0.6% | -0.6% | -2.7% | -2.5% | -2.5% | +6.5% | +3.6% | +2.7% | +5.4% | -1.7% |
Range$1.84B – $2.01B
CAGR+1.1%
Avg YoY Growth+0.5%
Median YoY Growth-0.6%
Current Streak2 quarters growth
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Frequently Asked Questions
- What is PNC Financial Services's retail banking — total noninterest expense?
- PNC Financial Services (PNC) reported retail banking — total noninterest expense of $1.98B in Q4 2025.
- How has PNC Financial Services's retail banking — total noninterest expense changed year-over-year?
- PNC Financial Services's retail banking — total noninterest expense decreased by 1.7% year-over-year, from $2.01B to $1.98B.
- What is the long-term trend for PNC Financial Services's retail banking — total noninterest expense?
- Over 3 years (2022 to 2025), PNC Financial Services's retail banking — total noninterest expense has grown at a 0.5% compound annual growth rate (CAGR), from $7.60B to $7.71B.
- What does retail banking — total noninterest expense mean?
- The total operating costs to run the retail banking segment.