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PNC disclosed that a shift in sentiment surrounding artificial intelligence represents a potential drag on its baseline economic forecast, alongside equity price declines.
“a reversal in sentiment around AI or a large decline in equity prices would be drags.”
PNC disclosed that its baseline economic forecast for 2026, which expects slower growth, could be negatively affected by macro risks. Specifically, a reversal in market sentiment surrounding AI, or a major decline in equity prices, would serve as a drag on the economic outlook.
“a reversal in sentiment around AI or a large decline in equity prices would be drags.”
PNC is increasingly employing AI and machine learning algorithms for internal process automation and customer operations. Though these currently represent a minority of PNC's overall models, they are less interpretable than traditional models and face complex regulatory constraints across intellectual property, privacy, and consumer protection laws.
“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. These models can be more predictive, but because of the complex way in which the many variables in AI/machine learning models interact, the results of these models are often less interpretable than traditional statistical models.”
PNC warns that cyber attacks and security breaches targeting both the bank and its customers are growing rapidly in sophistication, driven specifically by malicious uses of generative AI and deepfakes.
“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.”
PNC is expanding its technology investment in response to changing customer expectations and competitive pressures. The bank identifies the expanded use of artificial intelligence and machine learning as a key element of the rapid technological change occurring across the financial services industry.
“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.”
PNC utilises machine learning, AI, and robotic process automation tools to decrease risks associated with human error. However, these systems depend heavily on high-quality training data, as poor or anomalous data can negatively impact their operations.
“We use automation, machine learning, AI and robotic process automation tools to help reduce some risks of human error.”
PNC identified AI-related capital expenditure as a key support to economic growth within its baseline forecast, while warning that a reversal in market sentiment around artificial intelligence is a drag risk that could slow GDP growth.
“Tariffs are a drag on consumer spending and business investment, while AI-related capex and wealth effects have been key supports to growth.”
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