---
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"
generated_at: "2026-06-20T14:20:52.016695+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# PNC Q4 2022 net income $1.55B ($3.47 EPS); full year $6.11B ($13.85 EPS)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000713676-23-000005
- JSON: https://secwatch.observer/filing/0000713676-23-000005.json
- Plain text: https://secwatch.observer/filing/0000713676-23-000005.txt

## Key facts
- Earnings Releases
  PNC FINANCIAL SERVICES GROUP, INC. reported financial results for the fourth quarter and full year of 2022.
  - Period: the fourth quarter and full year of 2022
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/713676/000071367623000005/0000713676-23-000005-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.