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PNC Announces Stress Capital Buffer (SCB) and Planned Capital Actions

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PNC Financial Services Group (NYSE: PNC) has received its 2025 Comprehensive Capital Analysis and Review (CCAR) results from the Federal Reserve. The bank's Stress Capital Buffer (SCB) for the period beginning October 1, 2025, will remain at 2.5%, consistent with the current level through September 30, 2025.

PNC demonstrated strong capital positions with a Common Equity Tier 1 (CET1) ratio of 10.6% as of March 31, 2025, significantly exceeding the regulatory minimum plus SCB requirement of 7.0%. Under the Federal Reserve's Supervisory Severely Adverse scenario projections, PNC's minimum CET1 ratio is projected at 9.7%, well above the 4.5% regulatory minimum.

The bank plans to increase its quarterly cash dividend by 10 cents (6%) to $1.70 per share in Q3 2025, subject to board approval. Additionally, PNC's board has authorized a repurchase framework of up to 100 million common shares, with approximately 41% still available for repurchase as of March 31, 2025.

PNC Financial Services Group (NYSE: PNC) ha ricevuto i risultati del Comprehensive Capital Analysis and Review (CCAR) 2025 dalla Federal Reserve. Il Stress Capital Buffer (SCB) della banca per il periodo a partire dal 1° ottobre 2025 rimarrà al 2,5%, in linea con il livello attuale fino al 30 settembre 2025.

PNC ha mostrato una solida posizione patrimoniale con un Common Equity Tier 1 (CET1) pari al 10,6% al 31 marzo 2025, superando nettamente il requisito regolamentare minimo più SCB del 7,0%. Secondo le proiezioni dello scenario Severely Adverse della Federal Reserve, il CET1 minimo previsto per PNC è del 9,7%, ben al di sopra del minimo regolamentare del 4,5%.

La banca prevede di aumentare il dividendo trimestrale in contanti di 10 centesimi (6%) portandolo a 1,70 $ per azione nel terzo trimestre 2025, soggetto all’approvazione del consiglio di amministrazione. Inoltre, il consiglio di PNC ha autorizzato un programma di riacquisto fino a 100 milioni di azioni ordinarie, con circa il 41% ancora disponibile per il riacquisto al 31 marzo 2025.

PNC Financial Services Group (NYSE: PNC) ha recibido los resultados de su Comprehensive Capital Analysis and Review (CCAR) 2025 por parte de la Reserva Federal. El Stress Capital Buffer (SCB) del banco para el período que comienza el 1 de octubre de 2025 se mantendrá en 2.5%, consistente con el nivel actual hasta el 30 de septiembre de 2025.

PNC mostró una sólida posición de capital con un Common Equity Tier 1 (CET1) del 10.6% al 31 de marzo de 2025, superando significativamente el requisito regulatorio mínimo más el SCB del 7.0%. Según las proyecciones del escenario Severely Adverse de la Reserva Federal, el CET1 mínimo proyectado de PNC es del 9.7%, muy por encima del mínimo regulatorio del 4.5%.

El banco planea aumentar su dividendo trimestral en efectivo en 10 centavos (6%) a $1.70 por acción en el tercer trimestre de 2025, sujeto a la aprobación de la junta directiva. Además, la junta de PNC ha autorizado un marco de recompra de hasta 100 millones de acciones comunes, con aproximadamente el 41% aún disponible para recompra al 31 de marzo de 2025.

PNC Financial Services Group (NYSE: PNC)� 연방준비제�(Federal Reserve)로부� 2025� 종합자본분석 � 검�(CCAR) 결과� 받았습니�. 2025� 10� 1일부� 시작되는 기간 동안 은행의 스트레스 자본 완충�(Stress Capital Buffer, SCB)은 2.5%� 유지되며, 이는 2025� 9� 30일까지� 현재 수준� 일치합니�.

PNC� 2025� 3� 31� 기준 보통주자본비�(Common Equity Tier 1, CET1) 10.6%� 강력� 자본 상태� 입증했으�, 이는 규제 최소 요구치와 SCB 합산 기준� 7.0%� 크게 상회합니�. 연방준비제도의 감독 심각 불리 시나리오(Supervisory Severely Adverse scenario) 하에� PNC� 최소 CET1 비율은 9.7%� 예상되어 규제 최소치인 4.5%� 훨씬 웃돕니다.

은행은 이사� 승인� 따라 2025� 3분기� 분기� 현금 배당금을 10센트(6%) 인상하여 주당 1.70달러� 늘릴 계획입니�. 또한, PNC 이사회는 최대 1� �� 보통� 재매� 계획� 승인했으�, 2025� 3� 31� 기준 � 41%가 아직 재매� 가� 상태입니�.

PNC Financial Services Group (NYSE : PNC) a reçu les résultats de son Comprehensive Capital Analysis and Review (CCAR) 2025 de la Réserve fédérale. Le Stress Capital Buffer (SCB) de la banque pour la période débutant le 1er octobre 2025 restera à 2,5%, conforme au niveau actuel jusqu’au 30 septembre 2025.

PNC a démontré une solide position en capital avec un ratio Common Equity Tier 1 (CET1) de 10,6% au 31 mars 2025, dépassant largement le minimum réglementaire plus l’exigence SCB de 7,0 %. Selon les projections du scénario Supervisory Severely Adverse de la Réserve fédérale, le ratio CET1 minimum projeté de PNC est de 9,7%, bien au-dessus du minimum réglementaire de 4,5 %.

La banque prévoit d’augmenter son dividende trimestriel en espèces de 10 cents (6 %) pour atteindre 1,70 $ par action au troisième trimestre 2025, sous réserve de l’approbation du conseil d’administration. De plus, le conseil d’administration de PNC a autorisé un cadre de rachat pouvant atteindre 100 millions d’actions ordinaires, dont environ 41 % restent disponibles pour rachat au 31 mars 2025.

PNC Financial Services Group (NYSE: PNC) hat von der Federal Reserve die Ergebnisse der Comprehensive Capital Analysis and Review (CCAR) 2025 erhalten. Der Stress Capital Buffer (SCB) der Bank für den Zeitraum ab dem 1. Oktober 2025 bleibt bei 2,5%, entsprechend dem aktuellen Niveau bis zum 30. September 2025.

PNC zeigte zum 31. März 2025 eine starke Kapitalposition mit einer Common Equity Tier 1 (CET1) Quote von 10,6%, die deutlich über dem regulatorischen Mindestwert plus SCB von 7,0% liegt. Unter den Projektionen des Supervisory Severely Adverse Szenarios der Federal Reserve wird für PNC eine Mindest-CET1-Quote von 9,7% erwartet, was deutlich über dem regulatorischen Minimum von 4,5% liegt.

Die Bank plant, die vierteljährliche Bardividende um 10 Cent (6%) auf 1,70 $ pro Aktie im dritten Quartal 2025 zu erhöhen, vorbehaltlich der Zustimmung des Vorstands. Zudem hat der Vorstand von PNC einen Rückkaufrahmen von bis zu 100 Millionen Stammaktien genehmigt, von dem zum 31. März 2025 noch etwa 41% verfügbar sind.

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Insights

PNC passes stress tests with strong capital ratios, plans 6% dividend increase and continued share repurchases, demonstrating financial resilience.

PNC Financial has received its 2025 Comprehensive Capital Analysis and Review (CCAR) results, showing robust capital strength that significantly exceeds regulatory requirements. The Federal Reserve calculated PNC's Stress Capital Buffer (SCB) at 1.5%, which defaults to the regulatory minimum of 2.5% - maintaining the same buffer that's currently in effect.

The bank's current Common Equity Tier 1 (CET1) ratio stands at 10.6% as of March 2025, far exceeding its required minimum of 7.0% (regulatory minimum plus SCB). More impressively, even under the Fed's severely adverse stress scenario, PNC's capital position would remain extremely resilient, with its CET1 ratio projected to bottom at 9.7% - more than double the 4.5% regulatory minimum.

This capital strength enables PNC to reward shareholders through two key mechanisms. First, management plans to recommend a 6% increase in quarterly dividends to $1.70 per share. Second, the bank will continue its share repurchase program, with 41% of the authorized 100 million shares still available for repurchase as of March 2025. The bank expects Q3 2025 buybacks to match Q2 levels.

These results highlight PNC's exceptional capital planning and risk management. The bank's ability to maintain such substantial capital buffers while still increasing dividends demonstrates prudent balance sheet management that provides both regulatory compliance and shareholder returns even under severe economic stress scenarios.

PITTSBURGH, July 1, 2025 /PRNewswire/ -- The PNC Financial Services Group, Inc. (NYSE: PNC) last week received the results of the Federal Reserve's 2025 Comprehensive Capital Analysis and Review (CCAR). The Federal Reserve's CCAR disclosure included its estimate of PNC's minimum capital ratios for the period from the first quarter of 2025 through the first quarter of 2027 under the hypothetical Supervisory Severely Adverse scenario. Based on PNC's strong results, PNC's calculated Stress Capital Buffer (SCB) for the four-quarter period beginning Oct. 1, 2025 under the rules currently in effect is 1.5%, which is below the regulatory minimum SCB amount, resulting in an SCB of 2.5%. This is consistent with PNC's SCB in effect through Sept. 30, 2025. PNC's Common Equity Tier 1 (CET1) ratio of 10.6% as reported for March 31, 2025 significantly exceeds the regulatory minimum plus our SCB (7.0%), reflecting our strong capital levels. Furthermore, under the Federal Reserve's projections in the 2025 Supervisory Severely Adverse scenario, PNC's post-stress capital ratios are projected to remain well above regulatory minimums, with our minimum CET1 ratio projected to be 9.7% and our ending CET1 ratio projected to be 9.8%, compared to the regulatory minimum of 4.5%.

PNC plans to recommend to its board of directors an increase in the quarterly cash dividend on common stock of 10 cents per share, or 6%, to $1.70 per share in the third quarter of 2025, consistent with the current capital plan approved by its board. PNC's board of directors is expected to consider this recommendation at its next scheduled meeting on July 3, 2025.

Consistent with the SCB framework, which allows for capital returns in amounts in excess of the SCB minimum levels, our board of directors has authorized a repurchase framework under the previously approved repurchase program of up to 100 million common shares, of which approximately 41% were still available for repurchase at March 31, 2025. Share repurchase activity in the third quarter of 2025 is expected to be generally consistent with our share repurchase levels in the second quarter of 2025. PNC continues to evaluate and may adjust share repurchase activity, as actual amounts and timing are dependent on market and economic conditions as well as other factors. PNC's common share repurchases may be executed in privately negotiated transactions or through the open market, including under Rule 10b5-1 plans.

The PNC Financial Services Group, Inc. is one of the largest diversified financial services institutions in the United States, organized around its customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management. For information about PNC, visit .

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MEDIA:
Kristen Pillitteri
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INVESTORS:
Bryan Gill
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SOURCE The PNC Financial Services Group, Inc.

FAQ

What is PNC's new Stress Capital Buffer (SCB) requirement for 2025-2026?

PNC's SCB will remain at 2.5% for the four-quarter period beginning October 1, 2025, consistent with the current level.

How much is PNC increasing its quarterly dividend in Q3 2025?

PNC plans to increase its quarterly cash dividend by 10 cents per share (6%) to $1.70 per share, subject to board approval on July 3, 2025.

What was PNC's CET1 ratio as of March 2025?

PNC reported a Common Equity Tier 1 (CET1) ratio of 10.6% as of March 31, 2025, well above the 7.0% regulatory minimum plus SCB requirement.

How many shares are available under PNC's current share repurchase program?

Approximately 41% of the authorized 100 million common shares were still available for repurchase as of March 31, 2025.

What were PNC's stress test results in the 2025 CCAR?

Under the Federal Reserve's Supervisory Severely Adverse scenario, PNC's minimum CET1 ratio is projected at 9.7% with an ending ratio of 9.8%, well above the 4.5% regulatory minimum.
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Banks - Regional
National Commercial Banks
United States
PITTSBURGH