Exhibit 99.3

Consent of Morgan Stanley & Co. LLC

We hereby consent to the use in the initially filed Registration Statement of The PNC Financial Services Group, Inc. on Form S-4 (the “Registration Statement”) and in the Proxy Statement/Prospectus which is part of the Registration Statement of our written opinion, dated September 5, 2025, appearing as Annex D to such Registration Statement, and to the description of such opinion and to the references thereto and to our name contained therein under the headings “Summary — Opinion of Morgan Stanley & Co. LLC,” “Risk Factors,” “The Mergers — Background of the Mergers,” “The Mergers — FBHC’s Reasons for the Mergers; Recommendation of FBHC’s Board of Directors,” “The Mergers — Opinions of FBHC’s Financial Advisors — Opinion of Morgan Stanley & Co. LLC,” and “The Mergers — Certain Unaudited Prospective Financial Information”. In giving the foregoing consent, we do not admit that we come within the category of persons whose consent is required under Section 7 of the Securities Act of 1933, as amended (the “Securities Act”), or the rules and regulations promulgated thereunder, nor do we admit that we are experts with respect to any part of such Registration Statement within the meaning of the term “experts” as used in the Securities Act or the rules and regulations promulgated thereunder.

October 7, 2025