Business Segments · Net interest income (a)(b)
Retail Banking — Net interest income (a)(b)
PNC Financial Services Retail Banking — Net interest income (a)(b) decreased by 0.6% to $3.00B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 6.7%, from $2.81B to $3.00B. Over 3 years (FY 2022 to FY 2025), Retail Banking — Net interest income (a)(b) shows an upward trend with a 16.2% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ1 2015
Last reportedQ4 2025
How to read this metric
Higher income signals effective interest rate management and growth in the loan or deposit base.
Detailed definition
The difference between the interest income generated from retail banking assets, such as loans and mortgages, and the in...
Peer comparison
A core metric for all retail banks; benchmarked against net interest margin (NIM) of peers.
Metric ID:
pnc_segment_retail_banking_net_interest_income_a_bHistorical 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 | $1.89B | $1.89B | $1.89B | $1.89B | $2.49B | $2.49B | $2.49B | $2.49B | $2.62B | $2.72B | $2.79B | $2.81B | $2.83B | $2.98B | $3.02B | $3.00B |
| QoQ Change | — | +0.0% | +0.0% | +0.0% | +32.3% | +0.0% | +0.0% | +0.0% | +5.0% | +3.7% | +2.9% | +0.5% | +0.6% | +5.3% | +1.3% | -0.6% |
| YoY Change | — | — | — | — | +32.3% | +32.3% | +32.3% | +32.3% | +5.0% | +8.9% | +12.0% | +12.6% | +8.0% | +9.6% | +8.0% | +6.7% |
Range$1.89B – $3.02B
CAGR+13.2%
Avg YoY Growth+16.7%
Median YoY Growth+10.8%
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Frequently Asked Questions
- What is PNC Financial Services's retail banking — net interest income (a)(b)?
- PNC Financial Services (PNC) reported retail banking — net interest income (a)(b) of $3.00B in Q4 2025.
- How has PNC Financial Services's retail banking — net interest income (a)(b) changed year-over-year?
- PNC Financial Services's retail banking — net interest income (a)(b) increased by 6.7% year-over-year, from $2.81B to $3.00B.
- What is the long-term trend for PNC Financial Services's retail banking — net interest income (a)(b)?
- Over 3 years (2022 to 2025), PNC Financial Services's retail banking — net interest income (a)(b) has grown at a 16.2% compound annual growth rate (CAGR), from $7.54B to $11.82B.
- What does retail banking — net interest income (a)(b) mean?
- The profit earned from the spread between interest collected on loans and interest paid on deposits.