PNC's
Healthcare Matters

Make informed decisions and maximize your business with perspectives on leading financial issues from PNC professionals

A Note From Brian Kelly, Head of PNC Healthcare

Brian Kelly

Healthcare organizations continue to face a complex operating environment shaped by reimbursement headwinds, workforce challenges, and evolving patient expectations. Against this backdrop, executive teams are balancing short-term financial performance with long-term strategic investments designed to drive durable sustainability and growth.

At the same time, the acceleration of artificial intelligence, advanced analytics, and digital transformation initiatives is reshaping how teams enhance operational efficiency, improve clinical outcomes, and the patient experience. Increases in patient financial responsibility are straining operating margins, demanding an optimized revenue cycle designed for accelerated cash conversion.

Healthcare leaders are also prioritizing liquidity, while balancing capital allocation to support investment income and long-term balance sheet resilience in the face of continued market volatility. In this environment, the value of strategic financial partnership is increasingly important.

PNC Healthcare remains committed to helping clients navigate change with confidence and thoughtful partnership. Through our deep industry expertise, we partner with healthcare organizations to enhance working capital, improve financial performance, and support the strategic priorities that position them for long-term success.

Within this newsletter we cover:

  • Emma Loftus, Head of Treasury Management, discusses how PNC supports healthcare organizations to turn treasury management into a strategic initiative
  • Part 2 of our 3-part Consumerism in Healthcare Series: A deep-dive into shifts in care delivery, industry innovation and rising costs
  • UNC Appalachian Regional Client Success Story: Read how UNC Appalachian Regional leveraged PNC Healthcare’s treasury and revenue cycle tools to enhance operations
  • The Q2 2026 PNC Corporate Healthcare Index: Our quarterly publication examines the performance of the healthcare industry, noting trends that are shaping the sector

Healthcare Matters

Fall 2026 Issue

PNC's Focus on Treasury Management for Healthcare


Better financial operations can directly support the mission of care.

U.S. Healthcare Consumer Pulse Check: Resilient, but Uneven


U.S. consumers stay resilient but uneven as inflation, wages, credit stress, and rising healthcare costs reshape spending and care choices.

How UNC Health Appalachian Simplified, Automated, and Scaled with PNC


UNC Health Appalachian worked with PNC to simplify treasury operations, improve visibility, and create a scalable path for growth.

PNC Corporate Healthcare Index: Q2 2026

Learn more about trends in – and the performance of – the healthcare industry in this quarterly index from PNC Healthcare.

Past Issues - eNews Archive

Video: PNC’s Focus on Healthcare Banking
Healthcare Is a Strategic Priority

U.S. Healthcare Consumer Pulse Check: Resilient, but Uneven
U.S. consumers stay resilient but uneven as inflation, wages, credit stress, and rising healthcare costs reshape spending and care choices.

Healthcare Industry in 2026: Legislative Uncertainty Remains Top of Mind
2026 PNC Healthcare survey results are in! Learn about providers’ top priorities and challenges in 2026.

Navigating Uncertainty and Opportunity in 2026
PNC Healthcare’s annual outlook examines the evolving economic, operational and regulatory landscape, highlighting challenges and opportunities.

Investment Solutions for Healthcare's Evolving Challenges
See how our experienced Healthcare Asset Management Group works with healthcare organizations like yours to create investment solutions to achieve their financial goals and promote long-term health.

PNC Corporate Healthcare Index: Q4 2025
Learn more about trends in – and the performance of – the healthcare industry in this quarterly index from PNC Healthcare.

Medical Facilities Embrace Cashless Billing for Faster, Smarter Payments
U.S. health systems are adopting cashless billing to streamline payments, reduce admin burden, and improve the patient financial experience.

Mergers and Acquisitions in Healthcare: Analysis and Perspective
Healthcare M&A in 2025 faces headwinds from tariffs, policy shifts, and cautious capital deployment amid lingering optimism.

PNC Corporate Healthcare Index: Q3 2025
Learn more about trends in – and the performance of – the healthcare industry in this quarterly index from PNC Healthcare..

Healthcare Industry Contends with Federal Headwinds
In this mid-year outlook, PNC Healthcare examines how the outcomes from federal policy decisions are likely to shape the healthcare landscape.

Strategies and Insights to Overcome Healthcare Labor Challenges
Labor shortages are significantly impacting healthcare systems from patient care delivery to staff morale and operational efficiency. Learn effective solutions to recruit and retain talent, enhance employee wellness and improve operations.

Pharma and Life Science Firms simplify cross-border payments with FX Netting
FX Netting offers pharmaceutical firms a smarter way to manage foreign exchange risk and may help increase financial efficiency.

Optimizing Payables for Healthcare Providers: A Strategic Approach
Learn how organizations can optimize accounts payables to help improve cash flow, reduce processing costs and strengthen supplier relationships.

Healthcare Investment Management: Strategies for 2025
Prepare for the future of healthcare investment management. Learn how to navigate challenges and leverage opportunities in the healthcare sector.

PNC Corporate Healthcare Index: Q1 2025
Learn more about trends in – and the performance of – the healthcare industry in this quarterly index from PNC Healthcare.

Health Insurers: Navigating the Turbulence
Despite the challenges of higher medical costs and regulatory pressures, the healthcare industry maintains a favorable outlook.

2024 PNC Corporate Healthcare Index
Through a non-traditional lens, PNC’s Corporate Healthcare Index examines industry performance and trends across the entire healthcare ecosystem.

The Reports of “MA” Death are Greatly Exaggerated
PNC Healthcare uncovers the key trends impacting Medicare Advantage and what they could mean for consumers and providers.

PNC Healthcare 2024 Mid-Year Outlook
PNC Healthcare provides a mid-year update on forces and trends shaping the industry and the outlook for the remainder of 2024.

Captive Insurance Offers Greater Control for Healthcare Companies

Organizations are using captive insurance / self-insurance programs to customize their coverage, control expenses and maximize success.

Examining the Healthcare Industry Evolution Amidst Financial Instability Why Relationships Matter
Discover how the continuously changing healthcare landscape presents opportunities for strategic growth in the wake of macroeconomic challenges.

Accounts Receivable Securitizations for Pharma & Life Sciences Companies
In many cases an accounts receivable securitization can deliver interest rate savings relative to other sources of debt financing, and proceeds can be used for any corporate purpose.

How Financial Wellness Benefits May Help Retain Healthcare Talent
Amid a tight labor market, non-traditional employee benefits such as student debt assistance may help alleviate attrition in nursing and other fields.

Healthcare Organizations and Banking: Why Relationships Matter
PNC's Brian Kelly offers insights about the importance of a strong relationship between a healthcare organization and its bank.

PNC Claim Predictor Uses AI to Help Improve Healthcare Operations
PNC software powered by machine learning and artificial intelligence helps healthcare providers prevent lost revenue and streamline processes.

The Economic Concerns of Healthcare Providers
COVID-19 Subsides, but Symptoms Persist: What Providers Are Saying.

Retirement Benefit Strategies in Healthcare
Competition for top talent is not a new phenomenon. Recruit, reward and retain – read what retirement benefit strategies may work for your healthcare organization.

Captive Insurance Opportunities for Healthcare Organizations
Wholly owned by a noninsurance company, a captive offers potential tax savings, cost control, additional income and improved risk management.

Investment Policy Statements for Healthcare Organizations
Learn how a well-drafted investment policy statement can guide organizations through the uncertainties of a challenging investment environment.

Help Unlock the Full Financial Potential of Health Savings Accounts
As High Deductible Health Plans become more popular, knowing the opportunities provided by an HSA can help benefit employees and employers alike.

Do Credit Ratings Matter? Simply Put, Yes.
Although influenced by biases, credit ratings can and do affect healthcare organizations. See what these organizations can do to receive better ratings.

Do Relationships Really Matter?
A conversation with Brian Kelly reveals that PNC views a banking relationship as no different from a strong, healthy personal relationship that requires work on the part of both parties to build and grow. It’s a two-way street.

The Value of a Holistic Approach to Investment Management for Healthcare Providers
Demand for health services continues to rise steadily, with spending becoming an increasingly larger portion of national expenditures.

Confronting Investment Management Challenges for Healthcare Organizations
Today’s challenging healthcare environment places greater demands on the investments you make to support your mission. Here are some practical tips to help you harness your resources and overcome common problems.

How to Maximize Returns on Your Physician Integration Strategy
As the industry moves towards a value-driven care delivery model, health systems and physicians are integrating to deliver an improved patient experience and ultimately improve quality and value. These strategies come with a cost but can be managed to meet the needs of all stakeholders.

Insights

Stay current on the latest industry trends and insights with PNC Healthcare

Gain Market Insight

Video: PNC’s Focus on Healthcare Banking

Healthcare Is a Strategic Priority

3:14 min video

Manage Assets

Investment Solutions for Your Captive

Understanding captives and key factor to consider when reviewing potential benefits

2 min read

Manage Assets

Captive Insurance Opportunities for Healthcare Organizations

In this article, we will highlight the basic features of captives and the key factors to consider when reviewing their potential benefits.

2 min read

Let's Talk

PNC Healthcare serves companies with over $10 million annual revenue, find how our experience in healthcare can help serve your organization’s needs

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