Better Health for All

PNC's core financial services products have no significant direct positive or negative health impact. The company's operations generate no negative health externalities. PNC's Grow Up Great® initiative has invested $500 million in early childhood education, supporting over 10 million children, contributing to long-term public health improvement.

Additionally, PNC's $88 billion Community Benefits Plan addresses social determinants of health through economic support, including $47 billion in residential mortgage loans for low-to-moderate income and minority borrowers, $26.5 billion in small business loans, and $14.5 billion in community development. PNC Multifamily Capital has invested $19.6 million in healthcare facilities to improve access for underserved communities. PNC Treasury Management launched an AI-enabled solution to help healthcare organizations detect insurance claim inaccuracies, and PNC Healthcare offers patient financing solutions to ease patient costs. The Organizational Financial Wellness program supported 193,000 employees in managing healthcare expenses.

Fair Money & Economic Opportunity

PNC launched an $88 billion Community Benefits Plan over four years

, with $56 billion deployed by December 31, 2023, to support low- to moderate-income communities and people of color . This includes $38.3 billion in home lending and $9.8 billion in small business loans . The company invested $93 million in Community Development Financial Institutions (CDFIs) in 2023 to expand credit access in unbanked communities . PNC also committed $1 billion to social justice initiatives in June 2020 , with $270 million committed by August 2021 . Financial access initiatives include Low Cash Mode®, which reduced overdraft fees by over 60% since 2021 , and Foundation Checking Accounts that meet Bank On standards . Mobile Branches have expanded to ten U.S. markets by 2023 , serving nearly 9,000 individuals and providing financial education to over 27,000 low- to moderate-income individuals in 2023 . PNC also established a Minority Business Development Group and certified over 1,200 Minority Business Advocates and 4,600 Women's Business Advocates .

Fair Pay & Worker Respect

PNC's latest analysis from 2023 indicates that women employees earn 99% of what men earn, and minorities earn 100% of what non-minorities earn in similar roles.

The company's CEO-to-median employee pay ratio for 2023 was 191 to 1, based on the CEO's total compensation of $19,973,770 and the median employee's compensation of $104,576. There are no substantiated labor-law or human-rights violations reported in the past three years. In 2021, PNC announced it was raising its minimum wage to $18 an hour, affecting approximately 20,000 employees. The company met all six organizational workforce objectives in 2023 and was recognized for developing talent and advancing employee careers, and has evolved its benefits and wellness strategy to include expanded mental/behavioral health counseling and education benefits.

Honest & Fair Business

PNC has a comprehensive Enterprise Compliance program, overseen by the Board's Risk Committee, which covers anti-bribery and anti-corruption.

This program includes annual mandatory compliance training for all employees. Employees are also encouraged to report suspicious activities through established channels, supported by this annual mandatory training.

Kind to Animals

PNC Financial Services supports animal wellbeing through several initiatives. The company offers unsecured personal loans to pet owners to help manage unexpected veterinary expenses, including medical surgeries, injury care, and emergency visits

. Additionally, PNC provides pet insurance plans through partnerships, aiming to make pet healthcare more affordable . PNC also sponsors service dogs in collaboration with organizations like Guardian Angels Medical Service Dogs, providing these animals to veterans and others in need .

No War, No Weapons

PNC lends over $2.82 billion to companies producing controversial weapons, including nuclear weapons, white phosphorus, depleted uranium weapons, and incendiary weapons.

The company has failed to take action regarding nuclear weapons financing. PNC's Environmental Social Risk Management Framework and rapid risk screening do not explicitly address risks of financing any controversial weapons and do not identify the defense sector as presenting elevated risk. The Board concluded that relationships to the nuclear weapons industry do not pose a material credit, legal, or reputational risk to PNC. A shareholder resolution was filed in 2024 requesting a report on how PNC's risk management systems ensure effective implementation of its Human Rights Statement, amid concerns over financing clients connected to systemic human rights violations.

Planet-Friendly Business

PNC sources nearly 50% of its operational electricity in specific states from renewable sources, an initiative expected to reduce its carbon footprint by over 55,000 metric tons annually.

The company has set targets to reduce its carbon emissions by 80%, energy use by 30%, and water consumption by 30% by 2030, using 2022 as a baseline. In 2023, PNC expanded its environmental finance commitment to $30 billion, mobilizing $22.9 billion by year-end to support clients in renewable energy, green buildings, and sustainability-linked projects. Additionally, PNC issued a $1.25 billion green bond in January 2023 for low-carbon economy transition projects. Its headquarters, The Tower at PNC Plaza, achieved LEED Platinum certification in 2015.

Respect for Cultures & Communities

PNC Financial Services Group has made substantial financial commitments and implemented initiatives focused on community development and cultural support. The company committed $88 billion over four years through a Community Benefits Plan, deploying $56 billion by December 2023 to enhance economic opportunities for low-to-moderate income individuals and communities of color

. In 2024, PNC invested $20 million in the Local Initiatives Support Corporation to expand economic opportunities in under-resourced communities, including support for minority-owned businesses . Its 'Grow Up Great' initiative, a $500 million program, focuses on early childhood education in underserved communities . Additionally, PNC's 'Arts Alive' initiative has provided over $15 million to support 300 arts and culture projects over 15 years, contributing to the preservation and promotion of cultural heritage . In 2020, the company committed over $1 billion to combat systemic racism . A national Community Advisory Council was established in July 2022 to guide community lending and investment efforts .

Safe & Smart Tech

PNC has not had any documented data breaches, rejecting false claims of a cybersecurity incident in September 2025.

The company invests heavily in its cybersecurity infrastructure with sophisticated protections and employs industry-standard encryption tools to protect confidential data during transmission and at rest. PNC does not sell personal information and has no documented incidents of unauthorized data use, supported by excellent data governance and robust data destruction policies. PNC provides excellent user privacy controls, offering multiple ways for customers to limit information sharing, opt out of data sale or sharing, control location tracking and cookies, and exercise CCPA rights via online banking, phone, branch visits, or Data Subject Access Request cases. The company demonstrates a very strong compliance program with applicable regulations, including detailed adherence to CCPA requirements, responding to data subject access requests within 45 days (with a possible 90-day extension). PNC also shows a commitment to responsible AI use and ethical technology practices, with an independent Technology Committee overseeing technology strategy and risk management. The company collaborated with Carnegie Mellon University to educate 25 executives on AI fundamentals and applications, reflecting an investment in integrating responsible AI practices.

Zero Waste & Sustainable Products

No specific, concrete evidence was found in the provided articles to assess PNC's performance against the 'Zero Waste & Sustainable Products' ethical value. The articles discuss environmental finance commitments and targets for emissions, water, and energy reduction, which do not directly align with the waste management, product lifecycle, or packaging-related KPIs defined for this value. PNC's primary business as a financial services company also means many KPIs related to physical products (e.g., product recyclability, durability, packaging) are not applicable based on the provided information. PNC aims for an 80% reduction in Scope 1 and 2 emissions, a 30% reduction in water usage, and a 30% reduction in energy consumption by 2030.

By December 2023, PNC had deployed $22.9 billion towards this commitment, demonstrating progress in supporting sustainable finance initiatives. PNC Financial Services Group Inc. expanded its environmental finance commitment to $30 billion in 2023, focusing on green buildings with certifications like LEED, renewable energy projects including solar and wind, as well as clean transportation. These goals are part of PNC's strategy to enhance its environmental sustainability.