{"schema_version":"secwatch.filing_event.v1","accession":"0000713676-23-000005","form_type":"8-K","ticker":"PNC","cik":"0000713676","company_name":"PNC FINANCIAL SERVICES GROUP, INC.","filed_at":"2023-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.842572+00:00","generated_at":"2026-06-20T14:20:52.016695+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"PNC Q4 2022 net income $1.55B ($3.47 EPS); full year $6.11B ($13.85 EPS)","bullets":["Full-year net income $6.113B ($13.85 diluted EPS); adjusted EPS $13.96 on revenue $21.12B (+10% YoY).","Q4 net interest income $3.684B, NIM expanded 10bp to 2.92%; avg loans grew 3% to $321.9B.","Provision for credit losses $408M (ACL buildup $172M); net charge-offs $224M or 0.28% annualized.","Noninterest expense $3.474B; PPNR $2.29B (+1% QoQ); efficiency ratio 60%.","Tangible book value $72.12 per share (+3% QoQ); returned $1.2B capital to shareholders in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0000713676-23-000005","json":"https://secwatch.observer/filing/0000713676-23-000005.json","markdown":"https://secwatch.observer/filing/0000713676-23-000005.md","text":"https://secwatch.observer/filing/0000713676-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/713676/000071367623000005/0000713676-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/713676/000071367623000005/pnc-20230118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T14:20:52.016695+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"8a608d35fd17988102d48ad3126a253e74ddf063","claim":"PNC FINANCIAL SERVICES GROUP, INC. reported financial results for the fourth quarter and full year of 2022.","evidence_excerpt":"On January 18, 2023 , The PNC Financial Services Group, Inc. (“the Corporation”) issued a press release regarding the Corporation’s earnings and business results for the fourth quarter and full year of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/713676/000071367623000005/0000713676-23-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and full year of 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}