PNC Financial Posts 6.6% NII Rise to $14.5 B Driven by Funding Cost Cuts
PNC Financial reported 6.6% year-over-year net interest income growth to $14.5 billion in 2025, supported by lower funding costs, steady loan growth and fixed-rate asset repricing. The bank achieved a six-year NII compound annual growth rate of 6.3% through balance sheet optimization and disciplined pricing.
1. 2025 Net Interest Income Performance
PNC Financial reported net interest income of $14.5 billion in 2025, reflecting a 6.6% year-over-year increase. This result highlights continued balance sheet optimization alongside steady loan portfolio expansion.
2. Drivers and Long-Term Trends
Growth was fueled by lower funding costs, steady loan growth and the benefit of fixed-rate asset repricing. The bank’s six-year NII compound annual growth rate reached 6.3% through disciplined deposit pricing and funding cost management.