PNC Financial Services Group Inc

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  • uploads///BlackRock
    Fund Managers

    How Does BlackRock Make Money?

    BlackRock, an investment management giant, had $7.0 trillion in AUM (assets under management) at the end of the third quarter.

    By Rekha Khandelwal, CFA
  • uploads///the iron throne
    Company & Industry Overviews

    Which FAANG Stock Will Sit on the Iron Throne?

    With earnings around the corner, which FAANG stock will perform the best?

    By JP Gravitt
  • uploads///part  financials
    Financials

    Berkshire Hathaway’s Banking Holdings in Q1

    Among Berkshire Hathaway’s financial holdings, JPMorgan Chase was the worst performer, while Goldman Sachs was the top performer.

    By Mohit Oberoi, CFA
  • uploads///part  faang
    Consumer

    Did Buffett Miss the Bus on Apple?

    Berkshire Hathaway (BRK-B) is Apple’s second-largest shareholder.

    By Mohit Oberoi, CFA
  • uploads///dollar _
    Consumer

    Why Warren Buffett’s Market Views Differ from President Trump

    While Buffett didn’t find compelling investment opportunities in the fourth quarter, President Trump called it a “bottom” in December.

    By Mohit Oberoi, CFA
  • uploads///part
    Company & Industry Overviews

    Buffett’s Love for Banking Stocks Continued in Q4

    Berkshire Hathaway is the largest shareholder in Wells Fargo (WFC), Bank of America (BAC), U.S. Bancorp (USB), and American Express (AXP).

    By Mohit Oberoi, CFA
  • uploads///part
    Company & Industry Overviews

    Analyzing Berkshire Hathaway’s Recent Portfolio Additions

    Oracle is the latest tech company that Buffett added in the fourth quarter. Previously, Buffett added and completely exited IBM.

    By Mohit Oberoi, CFA
  • uploads///part  aaple
    Company & Industry Overviews

    Key Changes in Berkshire Hathaway’s Holdings in Q3

    Looking at Berkshire Hathaway’s third-quarter 13F, the company added more Apple shares and added a new position in JPMorgan Chase.

    By Mohit Oberoi, CFA
  • uploads///Analysts
    Company & Industry Overviews

    What Analysts Are Saying about TD Ameritrade

    TD Ameritrade Holding (AMTD) is tracked by 19 analysts in March 2018. Eight of them are suggesting a “hold” for the stock.

    By Raymond Anderson
  • uploads///Rel Val
    Company & Industry Overviews

    Analyzing TD Ameritrade’s Premium Valuations

    The PE ratio of TD Ameritrade Holding (AMTD) was 17.14x on an NTM (next-12-month) basis, which represents a premium valuation.

    By Raymond Anderson
  • uploads///FCF
    Company & Industry Overviews

    TD Ameritrade Converted Scottrade Brokerage Accounts

    TD Ameritrade Holding (AMTD) announced on February 28, 2018, that it has converted the brokerage accounts of Scottrade.

    By Raymond Anderson
  • uploads///analysts
    Earnings Report

    What Analysts Are Recommending for State Street Today

    Of the 20 analysts tracking State Street (STT) in January 2018, none has recommended a “strong sell” or a “sell.”

    By Raymond Anderson
  • uploads///Rel Val
    Earnings Report

    Can State Street Recover from Discounted Valuations?

    State Street’s (STT) PE (price-to-earnings) ratio stood at 14.6x on an NTM (next-12-month) basis, compared with the peer average of 17x.

    By Raymond Anderson
  • uploads///EV to rev
    Earnings Report

    Understanding State Street’s Balance Sheet

    State Street’s (STT) total assets stood at $238.4 billion at the end of 4Q17, compared with $242.6 billion in 4Q16.

    By Raymond Anderson
  • uploads///net income
    Earnings Report

    Behind State Street’s Assets under Custody and Administration in 4Q17

    State Street’s (STT) total AUCA (assets under custody and administration) as of December 31, 2017, stood at $33.11 trillion.

    By Raymond Anderson
  • uploads///rev eps pnc
    Financials

    What’s Driving PNC Financial Services?

    The PNC Financial Services Group’s (PNC) revenue net of interest expense remained flat in 2016 and grew 8% in 2017.

    By Amanda Lawrence
  • uploads/// ETF
    Company & Industry Overviews

    ETFs Start 2018 on a Very Strong Note

    ETFs started 2018 on a very promising note. According to FactSet, the total ETF inflows amounted to $5.32 billion for the first week of the year.

    By Peter Barnes
  • uploads///analysts
    Company & Industry Overviews

    What Analysts Recommend for Invesco

    In December 2017, six of the 16 analysts tracking Invesco (IVZ) gave it a “strong buy” rating, five have rated it a “buy,” and five are suggesting a “hold.”

    By Raymond Anderson
  • uploads///FCF yield
    Company & Industry Overviews

    What Analysts Expect from Invesco’s 4Q17 Revenues

    Invesco (IVZ) garnered total performance fees of $70.3 million in the first three quarters of 2017 versus $26.8 million in the same period of the prior year, an increase of $43.5 million.

    By Raymond Anderson
  • uploads///bvps
    Company & Industry Overviews

    How Invesco’s Assets under Management Are Moving in 2017

    In 9M17, Invesco Limited (IVZ) posted total assets under management (or AUM) of $917.5 billion.

    By Raymond Anderson
  • uploads///market cap
    Company & Industry Overviews

    Invesco’s Total Operating Revenues Rose Marginally

    Invesco (IVZ) generated total operating revenues of $3.7 billion in the first nine months of 2017.

    By Raymond Anderson
  • uploads///ebitda margin
    Earnings Report

    Breaking Down Invesco’s Assets under Management in 3Q17

    Invesco Limited (IVZ) garners its total assets under management (or AUM) from two channels: retail and institutional.

    By Raymond Anderson
  • uploads///net income margin
    Earnings Report

    Invesco’s Assets under Management Rose in 3Q17

    Invesco Limited (IVZ) reported total assets under management (or AUM) of $917.5 billion on September 30, 2017.

    By Raymond Anderson
  • uploads///market cap
    Earnings Report

    What’s behind the Rise in Invesco’s Total Operating Expenses?

    Invesco has seen a YoY rise in employee compensation expenses from $345.1 million in 3Q16 to $393.1 million in 3Q17.

    By Raymond Anderson
  • uploads///EV
    Earnings Report

    Invesco’s Strong 3Q17 Results Beat Estimates

    Invesco (IVZ), an investment management company, reported earnings per share (or EPS) of $0.71 in 3Q17, higher than Wall Street analyst predictions of $0.66.

    By Raymond Anderson
  • uploads///analuysts
    Earnings Report

    What Analysts Suggest for Carlyle Group after 3Q17 Results

    The Carlyle Group (CG) is being tracked by 12 analysts in November 2017. Five of them have rated the stock a “hold,” and four have given it a “strong buy.”

    By Raymond Anderson
  • uploads///operating lev
    Company & Industry Overviews

    Factors That Led to a Decline in Discover’s Net Income in 1H17

    Discover Financial’s employee compensation expenses rose 7% in 1H17 compared to 1H16.

    By Raymond Anderson
  • uploads///eff
    Company & Industry Overviews

    Discover Misses Earnings Estimates but Beats Revenue Estimates

    Discover Financial Services (DFS) posted earnings per share of $1.40 in 2Q17, which missed the analysts’ estimate of $1.45. DFS reported revenues of $2.42 billion in 2Q17, beating the analysts’ estimate of $2.40 billion.

    By Raymond Anderson
  • uploads///Loan book
    Earnings Report

    PNC Financial Expands Its Loan Book on Commercial Lending in 4Q16

    In 4Q16, PNC Financial expanded its average commercial lending by 1% (or $1.7 billion) quarter-over-quarter to $138.1 billion.

    By Robert Karr
  • uploads///Estimates
    Earnings Report

    PNC Shows Strength in 4Q16 on Interest Income, BlackRock

    PNC Financial Services (PNC) reported its 4Q16 earnings on January 13, 2017. The company reported earnings per share (or EPS) of $1.97.

    By Robert Karr
  • uploads///Tier
    Earnings Report

    PNC’s Payout Ratio Is Expected to Be High in 2017

    PNC Financial Services (PNC) is expanding its balance sheet on the back of new assets and expanding offerings.

    By Robert Karr
  • uploads///Valuations
    Earnings Report

    PNC Commands Premium Valuations on Rates, BlackRock

    PNC Financial Services (PNC) manages both diversified banking operations and financial services divisions.

    By Robert Karr
  • uploads///Non interest income
    Earnings Report

    BlackRock Is Benefiting PNC Financial’s Non-Interest Income

    PNC Financial’s non-interest income for 3Q16 rose $167 billion compared to 3Q15. Sequentially, the company’s income rose $8 million.

    By Robert Karr
  • uploads///Loan book
    Earnings Report

    Why PNC Financial Is Expected to Expand Its Loan Book in 4Q16

    PNC Financial Services (PNC) engages in corporate, retail, and institutional banking. The diversified giant expanded its commercial lending to $138 billion in 3Q16.

    By Robert Karr
  • uploads///Non interest income
    Earnings Report

    PNC Financials’ Non-Interest Income Ratio Continues to Expand

    PNC Financial’s non-interest income for 2Q16 increased by 10% over the previous quarter, mainly due to higher fee income growth.

    By Robert Karr
  • uploads///Loan book
    Earnings Report

    PNC Financial Services Expands Commercial Lending

    PNC Financial Services expanded its commercial lending in the first quarter of 2015.

    By Robert Karr
  • uploads///Estimates
    Earnings Report

    PNC Financial Services: What Impacted Its 2Q16 Earnings?

    PNC Financial Services (PNC) reported its 2Q16 earnings on July 15, 2016, and managed to beat analysts’ estimates.

    By Robert Karr
  • uploads///est vs act
    Earnings Report

    What Can We Expect from PNC Financial Services in 2Q16?

    PNC Financial Services (PNC) is expected to report EPS (earnings per share) of $1.76 in the June quarter and $7.16 for fiscal 2016.

    By Robert Karr
  • uploads///Non interest income
    Earnings Report

    PNC’s Non-Interest Income Expands on Asset Management

    PNC Financial’s non-interest income for 4Q15 increased by 3% compared to the previous quarter, mainly due to higher fee income growth.

    By Robert Karr
  • uploads///Stock
    Earnings Report

    PNC Financial Beats 4Q15 Estimates on Lower Expenses

    PNC Financial (PNC) reported its 4Q15 earnings on January 15, 2016, and managed to beat analysts’ estimates. It reported $1.87 per diluted common share, while analysts had estimated $1.80.

    By Robert Karr
  • uploads///Rates
    Company & Industry Overviews

    We Have Liftoff: Federal Reserve Hikes the Federal Funds Rate

    On December 16, 2015, the Federal Open Market Committee unanimously decided to hike the federal funds rate by 25 basis points to 0.25–0.50%.

    By David Ashworth
  • uploads///Chart
    Macroeconomic Analysis

    Rate Hike Expectations Propelled Financial Stocks Higher

    Many banks and financial service providers’ stocks rose on December 15. US investors picked the stocks with the expectation of the zero interest rate policy.

    By Renee Blakely
  • uploads///Portfolio Composition of Some US Equity Mutual Funds
    Macroeconomic Analysis

    The Big Picture in US Equity Mutual Funds: November Rundown as of October

    Investors need to keep a close watch on signs that indicate a “liftoff” in December and should be ready to rebalance their equity mutual funds accordingly.

    By David Ashworth
  • uploads///regional banks vs xlf
    Macroeconomic Analysis

    Evaluating Regional Banks’ Performance versus the Financial Sector in 2015

    Within XLF, banking stocks have returned -5.3% YTD as of November 13, while regional banks have returned -1.6% YTD, outperforming the financial sector.

    By Rebecca Keats
  • uploads///Dec hike
    Company & Industry Overviews

    Why Are Market Participants Concerned about December 2015?

    The addition of “at its next meeting” in the FOMC’s October statement has led market participants to believe that a rate hike may be effected in its December meeting.

    By David Ashworth
  • uploads///High Yield and Investment Grade Bond Yields in the US
    Macroeconomic Analysis

    What Bond Yields and Indices Are Telling Investors

    Yields, as measured by the BofA Merrill Lynch US High Yield Master II Effective Yield, have been 6%–8.2% YTD in 2015. The yields rose since May 2015.

    By David Ashworth
  • uploads///US Investment Grade Bond Fund Flows
    Fund Managers

    Investment-Grade Bond Funds Witnessed Inflows for the Third Week

    The flows into investment-grade bond funds were positive for the week ending October 28. This was the third consecutive week of inflows.

    By Lynn Noah
  • uploads///Total IG Bond Issuance for WE October
    Fund Managers

    Microsoft Led the High-Grade Bond Issuance Last Week

    US corporates were the biggest issuers of high-grade bonds in the week ending October 30. They accounted for 67.1%, or $25.7 billion, of all the issues.

    By Lynn Noah
  • uploads///US Investment Grade Bond Market Issuance
    Macroeconomic Analysis

    Why Did Investment-Grade Corporate Bonds’ Issuance Rise?

    There were investment-grade corporate bonds worth $38.2 billion issued in the primary market in the week ending October 30—the highest since September 18.

    By Lynn Noah
  • uploads///Regulations
    Macroeconomic Analysis

    Assessing Market Regulations: Headed for a Liquidity Crunch?

    Some market participants point out that regulations give cause for worry about bond market liquidity because they hinder banks’ market-making capabilities.

    By David Ashworth
  • uploads///Sep dot plot
    Macroeconomic Analysis

    The US Monetary Policy: Fischer and Brainard Speak Out

    With regard to US monetary policy, there’s been a lot of emphasis on the timing of the first increase in the federal funds rate. The path of the funds rate is more important than the first increase.

    By David Ashworth
  • uploads///P
    Macroeconomic Analysis

    Analyzing Commercial and Industrial Loan Growth

    After peaking in 1Q15, commercial and industrial growth slowed down in April and May. The growth was 10.4% in April and 9.5% in May 2015.

    By Rebecca Keats
  • uploads///weekly yoy deposits growth for all us commercial banks
    Macroeconomic Analysis

    Bank Deposits Grow by 5.4% in First Week of June

    June 12 data from the Fed According to the latest Federal Reserve data released on June 12, total deposits at all US commercial banks in the week ending June 5 increased by 5.4% YoY (year-over-year). Deposits grew by 5.6% YoY in the previous week. Total deposits account for 85% of US banks’ funding. As the above graph shows, […]

    By Rekha Khandelwal, CFA
  • uploads///mbas market composite index
    Macroeconomic Analysis

    June Surge in Mortgage Applications Should Benefit Banks

    The MBA’s survey is based on applications for residential mortgages. It covers more than 75% of all US retail residential mortgage applications.

    By Rekha Khandelwal, CFA
  • uploads///US Investment Grade Bond Fund Flows
    Company & Industry Overviews

    Week Ending May 27 Sees Outflows in Investment-Grade Bond Funds

    Flows into investment-grade (LQD) bond funds ventured into negative territory for the week ended May 27.

    By David Ashworth
  • uploads///US Investment Grade Bond Market Issuance
    Company & Industry Overviews

    Investment-Grade Corporates Take Issuances Down a Notch

    Investment-grade corporate bonds worth $25.45 billion were issued in the primary market in the week to May 29, 2015.

    By David Ashworth
  • uploads///student credit growth
    Macroeconomic Analysis

    Private Student Loans at Banks Rise with Stricter Underwriting

    The US student loan market is mainly dominated by public loans. Private student loans account for less than 8% of the total student loan market.

    By Rekha Khandelwal, CFA
  • uploads///Valuation
    Earnings Report

    Why PNC Financial Has Been Pricing at a Premium

    PNC Financial (PNC) successfully diversified its banking operations by extending offerings in asset management, consumer services, and investment banking.

    By Robert Karr
  • uploads///tier  capital
    Earnings Report

    PNC Returned Capital through Stock Repurchases and Dividend

    In 1Q15, PNC Financial bought back 4.4 million common shares worth $0.4 billion. The purchase was part of its four-quarter repurchase program.

    By Robert Karr
  • uploads///Stock performance
    Earnings Report

    PNC Financial Reports Strong First Quarter Results

    PNC Financial Services Group (PNC) reported its first quarter earnings for financial year 2015. It just managed to beat analysts’ estimates.

    By Robert Karr
  • uploads///manufacturing at a glance
    Macroeconomic Analysis

    PMI Index: Component Growth Impacts Banks

    A growing economy definitely benefits the banking sector. The impact will be positive for big banks and also for regional banks.

    By Rekha Khandelwal, CFA
  • uploads///Differentiated platform
    Company & Industry Overviews

    An Introduction to KeyCorp and Its Banking Business

    KeyCorp is a large regional bank with about $94 billion in assets. It competes with JP Morgan (JPM) and Bank of America (BAC) in various service segments.

    By Rekha Khandelwal, CFA
  • uploads///etf holdings in keycorp
    Company & Industry Overviews

    Must-know: Investing in KeyCorp through ETFs

    KeyCorp (KEY) is represented in key ETFs focused on the banking sector. The SPDR S&P Bank ETF (KBE) has KeyCorp comprising ~1.7% of its portfolio.

    By Rekha Khandelwal, CFA
  • uploads///Loan growth
    Company & Industry Overviews

    SunTrust Bank’s Commercial Lending Experiences Strong Growth

    Since 2010, the loan portfolio of SunTrust Bank (STI) has had a compound annual growth rate (or CAGR) of 3.5%. Commercial loans have had a CAGR of 8.2%.

    By Rekha Khandelwal, CFA
  • uploads///SunTrusts deposit growth
    Company & Industry Overviews

    SunTrust Bank’s Deposit Growth Lower than Industry Average

    STI’s deposit growth is clearly lagging behind the industry average. Other banks are experiencing strong growth in this area.

    By Rekha Khandelwal, CFA
  • uploads///Changes in BBTs portfolio mix
    Company & Industry Overviews

    BB&T’s Loan Growth Is below the Average Rate

    BB&T hasn’t acquired many banks since 2009. Completing the Bank of Kentucky and Susquehanna acquisitions might boost the bank’s loan growth.

    By Rekha Khandelwal, CFA
  • uploads///BBTs expanding geographic footprint
    Company & Industry Overviews

    BB&T to Expand Its Footprint in Ohio and the Mid-Atlantic Region

    BB&T’s Susquehanna acquisition will significantly expand BB&T’s Mid-Atlantic footprint. The deal is valued at ~$2.5 billion. It will close in the second half of 2015.

    By Rekha Khandelwal, CFA
  • uploads///EOP core loans loan and deposit growth
    Company & Industry Overviews

    J.P. Morgan Leads in Loan and Deposit Growth

    J.P. Morgan is the leader in generating market revenue and investment banking fees. It generated more in the last five years than all its competitors.

    By Rekha Khandelwal, CFA
  • uploads/// Banking channels
    Company & Industry Overviews

    Capital One’s focus on banking channels will likely payoff

    Banking channels are modes used by customers to access their bank and fulfill their banking needs. Technology reshaped how we access banks.

    By Saul Perez
  • uploads/// Auto Finance
    Company & Industry Overviews

    Why the auto finance market share needs to be protected

    Auto finance is a business where Capital One (COF) grew rapidly. The bank entered the market in 1997. Since then, it has been able to build a sizeable market share.

    By Saul Perez
  • uploads/// Credit Card Outstanding
    Company & Industry Overviews

    Why Capital One should maintain its strength in credit cards

    Capital One’s (COF) core business is credit cards. To this day, most of Capital One’s expansion is funded by the credit card business.

    By Saul Perez
  • uploads/// Branch Market Share
    Company & Industry Overviews

    Capital One: A geographical focus is the way to go

    The most important element in Capital One’s strategy is a strong geographical focus. It concentrates its limited assets into geographies where it’s strong.

    By Saul Perez
  • uploads/// RoE
    Company & Industry Overviews

    Capital One’s return on equity improved from subprime lows

    Capital One (COF) saw a sharp fall in its return on equity during the subprime crisis. Its average ROE was nearly 10% over 2014. This is good and sustainable.

    By Saul Perez
  • uploads/// Tier
    Company & Industry Overviews

    Capital One’s Tier I ratio of capitalization is adequate

    Regulations requires Capital One (COF) to maintain a Tier I ratio of at least 8%. The bank maintained a Tier I ratio of 12.16% at the end of 4Q14.

    By Saul Perez
  • uploads/// Non Interest Expense
    Company & Industry Overviews

    Capital One’s non-interest expenses are controlled

    For banks, non-interest expenses can be controlled. Controlling non-interest expenses helps a bank have higher net profitability.

    By Saul Perez
  • uploads/// Commercial Banking
    Company & Industry Overviews

    Capital One’s commercial banking loan growth is on track

    Commercial banking is used to provide lending and depository services, treasury management, and private banking and wealth management services.

    By Saul Perez
  • uploads/// Consumer Banking
    Company & Industry Overviews

    Capital One’s consumer banking business disappointed in 2014

    Overall, Capital One’s consumer banking results were below expectations in 2014. Consumer banking’s total revenue stood at $6,432 million in 2014.

    By Saul Perez
  • uploads/// Domestic Credit Card
    Company & Industry Overviews

    Money spinner – Capital One’s domestic credit card business

    The total revenue from Capital One’s domestic credit card business was $13,621 million. This was a decrease of 4.66%—compared to 2013.

    By Saul Perez
  • uploads/// Intnl Credit Card
    Company & Industry Overviews

    A legacy – Capital One’s credit card business

    The credit card business is Capital One’s oldest and the most important business. It’s a business where the bank enjoys significant competitive advantages.

    By Saul Perez
  • uploads/// Share of businesses
    Company & Industry Overviews

    Analyzing Capital One’s business segments

    Capital One (COF) can be understood best by breaking it into different business segments—Credit Card, Consumer Banking, and Commercial Banking.

    By Saul Perez
  • uploads/// Deposit Quality
    Company & Industry Overviews

    Why Capital One’s deposit quality is excellent

    Capital One has among the highest percentage of FDIC insured deposits in the industry. This indicates good deposit quality.

    By Saul Perez
  • uploads/// Deposits
    Company & Industry Overviews

    Strength in numbers: Capital One has a healthy deposit base

    Over the years, Capital One’s deposit base increased at a steady rate. At the end of 2014, its total deposits stood at $246.34 billion. It was an increase of 9.41%.

    By Saul Perez
  • uploads/// Subsidiaries
    Company & Industry Overviews

    What are Capital One’s three main subsidiaries?

    Capital One is organized into subsidiaries. Capital One’s principal subsidiary is a limited purpose credit card bank. It’s chartered in Virginia.

    By Saul Perez
  • uploads/// History
    Company & Industry Overviews

    Capital One’s history: From credit cards to a diversified bank

    Capital One’s history is shorter than other banks. In 1994, Signet Financial Corp. spun off its credit card business into a separate subsidiary—Capital One.

    By Saul Perez
  • uploads/// Performance
    Company & Industry Overviews

    Capital One: Is it a good pick for your portfolio?

    Capital One (COF) is one of the largest banks in the US. The bank offers an array of financial products and services to its customers.

    By Saul Perez
  • uploads/// Performance in
    Company & Industry Overviews

    Valuation of PNC Bank is close to historical mean

    PNC stock was trading at a PBV ratio of 0.75 in November 2012. Since then, the stock has seen a smart move up and trades at a PBV multiple of ~1.08.

    By Saul Perez
  • uploads/// Strengths Weaknesses
    Company & Industry Overviews

    PNC Bank’s financial strengths outweigh its weaknesses

    PNC Bank has done a good job at reducing its non-interest expenses, but the bank’s efficiency ratio still remains above 60%.

    By Saul Perez
  • uploads/// RoE
    Company & Industry Overviews

    PNC Bank sees improved return on equity

    PNC Bank improving its ROE to above 9% and is now outperforming the sector averages in this important return indicator.

    By Saul Perez
  • uploads/// NPA
    Company & Industry Overviews

    Non-performing assets are at a manageable level

    PNC Bank saw a declining trend in non-performing assets in the medium term and reported declining NPA for 12 continuous quarters.

    By Saul Perez
  • uploads/// Non Interest Expenses
    Company & Industry Overviews

    Non-interest expense management can improve at PNC Bank

    PNC’s net interest expenses stood at ~$9.5 billion at the end of 2014, $193 million lower than 2013 after curtailing salary and miscellaneous expenses.

    By Saul Perez
  • uploads/// Non Interest Income
    Company & Industry Overviews

    Non-interest income of PNC Bank shows secular growth

    PNC’s NII fell due to acquisitions made in 2009 and 2012. This led to a fall in non-interest income from the peak of 50% in 2007 to its low of 38% in 2012.

    By Saul Perez
  • uploads/// NIM
    Company & Industry Overviews

    PNC Bank continues to have sluggish net interest margin

    PNC Bank’s net interest margin has continued to fall in the last few years, with average earning assets standing at nearly $290 billion at the end of 2014.

    By Saul Perez
  • uploads/// Debt Rating
    Company & Industry Overviews

    Debt rating of PNC Bank is above average and stable

    Liabilities such as securities, deposits, and instruments fund a bank’s assets, making liability analysis of a bank as important as those of assets.

    By Saul Perez
  • uploads/// Deposits
    Company & Industry Overviews

    Deposit growth of PNC Bank has been satisfactory

    With the seventh largest deposit base in the US, PNC Bank had a deposit base of ~$239.5 billion at the end of 2014. Of this, 96.26% originated in the US.

    By Saul Perez
  • uploads/// Type of Loans
    Company & Industry Overviews

    PNC Bank loan book carries some risks

    PNC Bank’s loan book is skewed toward a few types of loans: commercial and industrial loans and 1–4 Family First Liens, about 44.5% of its total loans.

    By Saul Perez
  • uploads/// Total Loans
    Company & Industry Overviews

    PNC Bank: Loans positioned for increasing rates

    An increasing interest rate spread between long-term and short-term rates allow banks to pay less on short-term deposits and earn more on long-term loans.

    By Saul Perez
  • uploads/// Assets
    Company & Industry Overviews

    PNC Bank asset growth has been good

    With total assets of nearly $335 billion, almost three-quarters of PNC Bank’s total assets are productive assets, particularly loans and leases.

    By Saul Perez
  • uploads///A Geographical
    Company & Industry Overviews

    Does PNC Bank remain a strong long-term play?

    With a strong presence in the East, South, and Midwest, PNC Bank offers community banking, wholesale banking, corporate banking, and asset management.

    By Saul Perez
  • Financials

    Why qualitative analysis should matter to Wells Fargo investors

    Before investing, it’s important to analyze a bank qualitatively, as well as quantitatively. Qualitative analysis is more likely to determine how well a bank will perform over the long-term.

    By Saul Perez
  • Financials

    Must-know: Traditional banks face challenges

    When a borrower isn’t able to pay back the loan, the loan is considered a non-performing asset (or NPA)—since the money for lending came from a depositor, the bank needs a large enough pool of capital to withstand such a shock.

    By Saul Perez
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