The Workforce AI Index · Financial Services

The PNC Financial Services Group, Inc. (PNC)

Regional bank, counted in retail banking. Read October 1, 2026 from the annual report for the period ending 2025-12-31, filed 2026-02-20. Ranked 4 of the 15 Financial Services companies read so far, by the share within reach now: the sector.

The filing counts 55,333 employees with 27,595 in Retail Banking, so the banking pattern carries nearly all of the workforce (a) with asset management by revenue (c).

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 38% now, 58% at the end of 2027, 66% at the end of 2028, 69% at the end of 2030. By the patterns, the work is about 69% desk work, 23% people work and 8% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 59% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

55,333 employees as of 2025-12-31 (stated). The filing describes a U.S. bank and gives no count by country.

The filing: “Employees totaled 55,333 at December 31, 2025. This total included 53,859 full-time and 1,474 part-time employees, of which 26,168 full-time and 1,427 part-time employees were employed in our Retail Banking business.”

The workforce as industry patterns

What the filing says about the workforce: 55,333 employees: 53,859 full-time and 1,474 part-time; 26,168 full-time and 1,427 part-time in Retail Banking; about 54% of open requisitions filled from within; the collector's first figure of 1,474 was the part-time count.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)35% now, 68% by 2028
• Citigroup (C, 226,000 employees)37% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)38% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)38% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)39% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)39% now, 66% by 2028

What the filing says about AI

14 sentences in the filing name AI. The filing names AI in 14 sentences: AI and machine learning among the technologies changing banking, AI enhancing its own efforts, and generative AI and deepfakes in cyber attacks.

• “Examples include expanded use of cloud computing, artificial intelligence (AI) and machine learning, biometric authentication, voice and natural language, data privacy and security enhancements and increased online and mobile device interaction with customers, including innovative ways that customers can manage their accounts.”
• “The effectiveness of these efforts may be enhanced using AI.”
• “The techniques used in cyber attacks and breaches change rapidly and are increasingly sophisticated, including through the use of generative AI and deepfakes, and we expect in the future through the use of quantum computing, and we may not be able to anticipate cyber attacks or other data security breaches.”
• “There are risks resulting from the extensive use of models, some of which use AI, in our business.”
• “Although it currently impacts a minority of the overall number of models that we use, we increasingly use models related to how we do business with customers and for internal process automation that leverage AI/machine learning algorithms.”

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The collector's first figure of 1,474 was the part-time count; the filing's 55,333 total replaces it.
• The split beyond Retail Banking rests on description and revenue (c).

Source: the company's annual report on EDGAR, accession 0000713676-26-000020, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.