PNC's diversified banking business model and relatively small customer account size give the bank pricing power with its deposits, while its top-tier loan-to-deposit ratio gives the bank optionality, in our view, ultimately giving the bank room to grow loan balances. In this recording, CFRA Senior Equity Analyst Zander Yokum highlights PNC's strong deposit franchise, sound risk management practices, excellent leadership team, and his expectations for future regulation in the banking industry.