The PNC Financial Services Group, Inc.
Second Quarter 2008
Earnings Conference Call
July 17, 2008
Exhibit 99.2

2
Cautionary Statement Regarding Forward-Looking
Information and Adjusted Information
This
presentation
contains
forward-looking
statements
regarding
our
outlook
or
expectations
relating
to
PNC’s
future
business,
operations,
financial
condition,
financial
performance
and
asset
quality.
Forward-looking
statements
are
necessarily
subject
to
numerous
assumptions,
risks
and
uncertainties,
which
change
over
time.
The
forward-looking
statements
in
this
presentation
are
qualified
by
the
factors
affecting
forward-looking
statements
identified
in
the
more
detailed
Cautionary
Statement
included
in
the
Appendix,
which
is
included
in
the
version
of
the
presentation
materials
posted
on
our
corporate
website
at
www.pnc.com/investorevents.
We
provide
greater
detail
regarding
these
factors
in
our
2007
Form
10-K
and
first
quarter
2008
Form
10-Q,
including
in
the
Risk
Factors
and
Risk
Management
sections,
and
in
our
other
SEC
reports
(accessible
on
the
SEC’s
website
at
www.sec.gov
and
on
or
through
our
corporate
website
at
www.pnc.com/secfilings).
Future
events
or
circumstances
may
change
our
outlook
or
expectations
and
may
also
affect
the
nature
of
the
assumptions,
risks
and
uncertainties
to
which
our
forward-looking
statements
are
subject.
The
forward-looking
statements
in
this
presentation
speak
only
as
of
the
date
of
this
presentation.
We
do
not
assume
any
duty
and
do
not
undertake
to
update
those
statements.
In
this
presentation,
we
will
sometimes
refer
to
adjusted
results
to
help
illustrate
the
impact
of
the
deconsolidation
of
BlackRock
near
the
end
of
third
quarter
2006
and
the
impact
of
certain
types
of
items.
Adjusted
results
reflect,
as
applicable,
the
following
types
of
adjustments:
(1)
2006
and
earlier
periods
reflect
the
impact
of
the
deconsolidation
of
BlackRock
by
adjusting
as
if
we
had
recorded
our
BlackRock
investment
on
the
equity
method
prior
to
its
deconsolidation;
(2)
adjusting
2006
periods,
as
applicable,
to
exclude
the
impact
of
the
third
quarter
2006
gain
on
the
BlackRock/MLIM
transaction
and
losses
on
the
repositioning
of
PNC’s
securities
and
mortgage
loan
portfolios;
(3)
adjusting
fourth
quarter
2006
and
2007
periods
to
exclude
the
net
mark-to-market
adjustments
on
PNC’s
remaining
BlackRock
LTIP
shares
obligation
and,
as
applicable,
the
gain
PNC
recognized
in
first
quarter
2007
in
connection
with
the
company’s
transfer
of
BlackRock
shares
to
satisfy
a
portion
of
its
BlackRock
LTIP
shares
obligation;
(4)
adjusting
2007
and
2006
periods
to
exclude,
as
applicable,
integration
costs
related
to
acquisitions
and
to
the
BlackRock/MLIM
transaction;
(5)
adjusting
2007
periods,
as
applicable,
for
the
fourth
quarter
2007
Visa
litigation
charge;
and
(6)
adjusting,
as
appropriate,
for
the
tax
impact
of
these
adjustments.
We
have
provided
these
adjusted
amounts
and
reconciliations
so
that
investors,
analysts,
regulators
and
others
will
be
better
able
to
evaluate
the
impact
of
these
items
on
our
results
for
the
periods
presented,
in
addition
to
providing
a
basis
of
comparability
for
the
impact
of
the
BlackRock
deconsolidation
given
the
magnitude
of
the
impact
of
deconsolidation
on
various
components
of
our
income
statement
and
balance
sheet.
We
believe
that
information
as
adjusted
for
the
impact
of
the
specified
items
may
be
useful
due
to
the
extent
to
which
these
items
are
not
indicative
of
our
ongoing
operations
as
the
result
of
our
management
activities
on
those
operations.
While
we
have
not
provided
other
adjustments
for
the
2007
and
earlier
periods
discussed,
this
is
not
intended
to
imply
that
there
could
not
have
been
other
similar
types
of
adjustments,
but
any
such
adjustments
would
not
have
been
similar
in
magnitude
to
the
amount
of
the
adjustments
shown.
In
certain
discussions,
we
may
also
provide
information
on
yields
and
margins
for
all
interest-earning
assets
calculated
using
net
interest
income
on
a
taxable-equivalent
basis
by
increasing
the
interest
income
earned
on
tax-exempt
assets
to
make
it
fully
equivalent
to
interest
income
earned
on
taxable
investments.
We
believe
this
adjustment
may
be
useful
when
comparing
yields
and
margins
for
all
earning
assets.
This
presentation
may
also
include
a
discussion
of
other
non-GAAP
financial
measures,
which,
to
the
extent
not
so
qualified
therein
or
in
the
Appendix,
is
qualified
by
GAAP
reconciliation
information
available
on
our
corporate
website
at
www.pnc.com
under
“About
PNC–Investor
Relations.”

3
Business Model Performed Well
Delivered strong second quarter 2008 results
-
Reported earnings of $1.45 per diluted share, $1.37 adjusted
-
Diversified revenue growth created positive operating leverage
Key Messages
-
Well-positioned balance sheet resulted in strong revenue growth
-
Asset quality migration and related costs remained manageable
-
Strengthened capital and maintained strong liquidity position
Despite Ongoing Market Volatility, PNC
Despite Ongoing Market Volatility, PNC
Delivered Excellent Results.
Delivered Excellent Results.
(1) Adjusted diluted earnings per share of $1.37 for the second quarter of 2008 excludes the after-tax gain of $52 million, or $.15 per diluted
share, on the mark to market of our BlackRock LTIP shares obligation and $24 million, or $.07 per share, of after-tax integration costs.
1

4
Differentiated Balance Sheet
As of June 30, 2008.  Annualized net charge-off percentage is to average loans for the three months ended.
PNC’s
Moderate
Risk
Profile
Helps
Differentiate
the
Balance
Sheet.
2
2.3
Loans held for sale
19
27.3
Other assets
22
31.0
Securities available for sale
51
73.0
Loans, net of unearned income
$142.8
$9.2
June 30,
2008
100%
6%
% of
assets
Total assets
Cash and short-term investments
Category (billions)
% NPA
Net
charge-off
%
(billions)
.77
.73
$33.5
Commercial, including lease financing
1.50
.78
7.4
Comm’l real estate (non-residential)
13.60
1.38
2.1
Commercial residential real estate
1.47
.77
$43.0
Total commercial lending
Loans, net of unearned income
% 90 days past due
.35
.39
.39
.32
Excluding
NPLs
.60
.41
$30.0
Total consumer lending
6.3
9.0
$14.7
.63
.01
.53
Net
charge-off
%
.47
Other
.94
Residential mortgage
.44
Home equity
Including
NPLs
(billions)

5
1.10%
1.09%
1.09%
1.22%
1.21%
1.35%
1.00%
1.05%
1.10%
1.15%
1.20%
1.25%
1.30%
1.35%
1.40%
Credit Quality Migration Remained Manageable
PNC’s Credit Coverage Ratios Are
Consistent with a Moderate Risk Profile.
Net
charge-offs
to
average
loans
(1) Annualized for the three months ended. (2) At period end.
1Q07
2Q07
3Q07
4Q07
1Q08
2Q08
Allowance
for
loan
and
lease
losses
to
loans
1Q07
2Q07
3Q07
4Q07
1Q08
2Q08
1
2
0.27%
0.20%
0.57%
0.62%
0.30%
0.49%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
1.00%

6
Target
Range
Staying Liquid and Building Capital Flexibility
Tier 1 Capital Ratio
8.5%
7.5%
PNC
Is
Well-Positioned
in
Terms
of
Liquidity and Capital Flexibility.
4Q07
1Q08
2Q08
Numbers at period end.  (1) Unused borrowing capacity.  (2) Estimated.
6.8%
7.7%
8.1%
Available
Liquidity
4Q07
1Q08
2Q08
$30B
$27B
$27B
1
2

7
+14%
+32%
+10%
+9%
+12%
+19%
For the three months ended June 30, 2008.  The sum of deposit NII and loan NII equals GAAP net interest income.  Further information
regarding revenue mix is provided in the Appendix.
Change vs.
1Q08
2Q07
Strong and Diverse Revenue Growth
PNC’s
Revenue
Mix
Is
Valuable
and
Relies
Less
on
Credit
Capital.
.
Deposit and
other net interest
income
Loan
net interest
income
10%
29%
19%
Corporate
services
12%
Consumer
services and
deposit
charges
9%
Other
10%
Asset
management
11%
Fund
servicing
Total
revenue
$2.0 billion
Net interest income
Noninterest income
Total revenue
Contribution to
total revenue
2Q08

8
$0
$1
$2
$3
$4
$5
$6
$7
Revenue
+12%
Creating Positive Operating Leverage
Adjusted
Revenue
(as
reported
$5.5
billion,
$6.3
billion,
$8.6
billion,
$6.7
billion
for
2004,
2005,
2006,
2007,
respectively)
Adjusted
Noninterest
Expense
(as
reported
$3.7
billion,
$4.3
billion,
$4.4
billion,
$4.3
billion
for
2004,
2005,
2006,
2007,
respectively)
Adjusted
Net
Income
(as
reported
$1.2
billion,
$1.3
billion,
$2.6
billion,
$1.5
billion
for
2004,
2005,
2006,
2007,
respectively)
$1.2
$1.3
$1.5
(1) As reported: revenue 7%, expense 5%, operating leverage 2%.
Adjusted amounts are reconciled to GAAP amounts in the Appendix. 
2004
2005
2006
Expense
+9%
Compound Annual Growth
(2004-2007, as adjusted)¹
Revenue
+16%
Expense
+9%
For the six months
ended June 30
2008 vs. 2007
Operating
Leverage
+3%
Operating
Leverage
+7%
$1.7
2007
PNC’s
Disciplined
Growth
Strategies
Help
Drive
Positive
Operating
Leverage.

9
Markets
Sales across franchise at or above goals
New markets outperforming expectations
Corporate banking posting excellent cross-sell results
Fund servicing revenue pipeline strong
ARCS providing diversity with record production levels
Innovative Products and Solutions
Virtual Wallet
Healthcare Advantage
PFPC transformation to PNC Global Investment Servicing
-
Albridge Solutions and Coates Analytics
Strategic Growth Initiatives
PNC’s
Strategic
Decisions
and
Focus
Are
Paying Off.
.

10
Product Innovation:  Capturing Gen Y

11
Cautionary Statement Regarding Forward-Looking
Information
Appendix
We
make
statements
in
this
presentation,
and
we
may
from
time
to
time
make
other
statements,
regarding
our
outlook
or
expectations
for
earnings,
revenues,
expenses
and/or
other
matters
regarding
or
affecting
PNC
that
are
forward-looking
statements
within
the
meaning
of
the
Private
Securities
Litigation
Reform
Act.
Forward-looking
statements
are
typically
identified
by
words
such
as
“believe,”
“expect,”
“anticipate,”
“intend,”
“outlook,”
“estimate,”
“forecast,”
“will,”
“project”
and
other
similar
words
and
expressions.
Forward-looking
statements
are
subject
to
numerous
assumptions,
risks
and
uncertainties,
which
change
over
time.
Forward-looking
statements
speak
only
as
of
the
date
they
are
made.
We
do
not
assume
any
duty
and
do
not
undertake
to
update
our
forward-looking
statements.
Because
forward-looking
statements
are
subject
to
assumptions
and
uncertainties,
actual
results
or
future
events
could
differ,
possibly
materially,
from
those
that
we
anticipated
in
our
forward-looking
statements,
and
future
results
could
differ
materially
from
our
historical
performance.
Our
forward-looking
statements
are
subject
to
the
following
principal
risks
and
uncertainties.
We
provide
greater
detail
regarding
some
of
these
factors
in
our
2007
Form
10-K
and
our
Form
10-Q
for
the
quarter
ended
March
31,
2008,
including
in
the
Risk
Factors
and
Risk
Management
sections
of
those
reports,
and
in
our
other
SEC
reports.
Our
forward-looking
statements
may
also
be
subject
to
other
risks
and
uncertainties,
including
those
that
we
may
discuss
elsewhere
in
this
presentation
or
in
our
filings
with
the
SEC,
accessible
on
the
SEC’s
website
at
www.sec.gov
and
on
or
through
our
corporate
website
at
www.pnc.com/secfilings.
•Our
businesses
and
financial
results
are
affected
by
business
and
economic
conditions,
both
generally
and
specifically
in
the
principal
markets
in
which
we
operate.
In
particular,
our
businesses
and
financial
results
may
be
impacted
by:
oChanges
in
interest
rates
and
valuations
in
the
debt,
equity
and
other
financial
markets.
oDisruptions
in
the
liquidity
and
other
functioning
of
financial
markets,
including
such
disruptions
in
the
markets
for
real
estate
and
other
assets
commonly
securing
financial
products.
oActions
by
the
Federal
Reserve
and
other
government
agencies,
including
those
that
impact
money
supply
and
market
interest
rates.
oChanges
in
our
customers’,
suppliers’
and
other
counterparties’
performance
in
general
and
their
creditworthiness
in
particular.
oChanges
in
customer
preferences
and
behavior,
whether
as
a
result
of
changing
business
and
economic
conditions
or
other
factors.
A
continuation
of
recent
turbulence
in
significant
portions
of
the
global
financial
markets
could
impact
our
performance,
both
directly
by
affecting
our
revenues
and
the
value
of
our
assets
and
liabilities
and
indirectly
by
affecting
the
economy
generally.
Given
current
economic
and
financial
market
conditions,
our
forward-looking
financial
statements
are
subject
to
the
risk
that
these
conditions
will
be
substantially
different
than
we
are
currently
expecting.
These
statements
are
based
on
our
current
expectations
that
interest
rates
will
remain
low
through
2008
with
continued
wide
market
credit
spreads
and
our
view
that
national
economic
conditions
currently
point
toward
a
mild
recession
followed
by
a
subdued
recovery.
Our
operating
results
are
affected
by
our
liability
to
provide
shares
of
BlackRock
common
stock
to
help
fund
certain
BlackRock
long-term
incentive
plan
(“LTIP”)
programs,
as
our
LTIP
liability
is
adjusted
quarterly
(“marked-to-market”)
based
on
changes
in
BlackRock’s
common
stock
price
and
the
number
of
remaining
committed
shares,
and
we
recognize
gain
or
loss
on
such
shares
at
such
times
as
shares
are
transferred
for
payouts
under
the
LTIP
programs.
Legal
and
regulatory
developments
could
have
an
impact
on
our
ability
to
operate
our
businesses
or
our
financial
condition
or
results
of
operations
or
our
competitive
position
or
reputation.
Reputational
impacts,
in
turn,
could
affect
matters
such
as
business
generation
and
retention,
our
ability
to
attract
and
retain
management,
liquidity,
and
funding.
These
legal
and
regulatory
developments
could
include:
(a)
the
unfavorable
resolution
of
legal
proceedings
or
regulatory
and
other
governmental
inquiries;
(b)
increased
litigation
risk
from
recent
regulatory
and
other
governmental
developments;
(c)
the
results
of
the
regulatory
examination
process,
our
failure
to
satisfy
the
requirements
of
agreements
with
governmental
agencies,
and
regulators’
future
use
of
supervisory
and
enforcement
tools;
(d)
legislative
and
regulatory
reforms,
including
changes
to
laws
and
regulations
involving
tax,
pension,
education
lending,
and
the
protection
of
confidential
customer
information;
and
(e)
changes
in
accounting
policies
and
principles.

12
Cautionary Statement Regarding Forward-Looking
Information (continued)
Appendix
Our
business
and
operating
results
are
affected
by
our
ability
to
identify
and
effectively
manage
risks
inherent
in
our
businesses,
including,
where
appropriate,
through
the
effective
use
of
third-party
insurance,
derivatives,
and
capital
management
techniques.
The
adequacy
of
our
intellectual
property
protection,
and
the
extent
of
any
costs
associated
with
obtaining
rights
in
intellectual
property
claimed
by
others,
can
impact
our
business
and
operating
results.
Our
ability
to
anticipate
and
respond
to
technological
changes
can
have
an
impact
on
our
ability
to
respond
to
customer
needs
and
to
meet
competitive
demands.
Our
ability
to
implement
our
business
initiatives
and
strategies
could
affect
our
financial
performance
over
the
next
several
years.
Competition
can
have
an
impact
on
customer
acquisition,
growth
and
retention,
as
well
as
on
our
credit
spreads
and
product
pricing,
which
can
affect
market
share,
deposits
and
revenues.
Our
business
and
operating
results
can
also
be
affected
by
widespread
natural
disasters,
terrorist
activities
or
international
hostilities,
either
as
a
result
of
the
impact
on
the
economy
and
capital
and
other
financial
markets
generally
or
on
us
or
on
our
customers,
suppliers
or
other
counterparties
specifically.
Also,
risks
and
uncertainties
that
could
affect
the
results
anticipated
in
forward-looking
statements
or
from
historical
performance
relating
to
our
equity
interest
in
BlackRock,
Inc.
are
discussed
in
more
detail
in
BlackRock’s
filings
with
the
SEC,
including
in
the
Risk
Factors
sections
of
BlackRock’s
reports.
BlackRock’s
SEC
filings
are
accessible
on
the
SEC’s
website
and
on
or
through
BlackRock’s
website
at
www.blackrock.com.
We
grow
our
business
from
time
to
time
by
acquiring
other
financial
services
companies.
Acquisitions
in
general
present
us
with
risks
in
addition
to
those
presented
by
the
nature
of
the
business
acquired.
In
particular,
acquisitions
may
be
substantially
more
expensive
to
complete
(including
as
a
result
of
costs
incurred
in
connection
with
the
integration
of
the
acquired
company)
and
the
anticipated
benefits
(including
anticipated
cost
savings
and
strategic
gains)
may
be
significantly
harder
or
take
longer
to
achieve
than
expected.
In
some
cases,
acquisitions
involve
our
entry
into
new
businesses
or
new
geographic
or
other
markets,
and
these
situations
also
present
risks
resulting
from
our
inexperience
in
these
new
areas.
As
a
regulated
financial
institution,
our
pursuit
of
attractive
acquisition
opportunities
could
be
negatively
impacted
due
to
regulatory
delays
or
other
regulatory
issues.
Regulatory
and/or
legal
issues
related
to
the
pre-acquisition
operations
of
an
acquired
business
may
cause
reputational
harm
to
PNC
following
the
acquisition
and
integration
of
the
acquired
business
into
ours
and
may
result
in
additional
future
costs
arising
as
a
result
of
those
issues.
Our
recent
acquisition
of
Sterling
Financial
Corporation
(“Sterling”)
presents
regulatory
and
litigation
risk,
as
a
result
of
financial
irregularities
at
Sterling’s
commercial
finance
subsidiary,
that
may
impact
our
financial
results.
Any
annualized,
proforma,
estimated,
third
party
or
consensus
numbers
in
this
presentation
are
used
for
illustrative
or
comparative
purposes
only
and
may
not
reflect
actual
results.
Any
consensus
earnings
estimates
are
calculated
based
on
the
earnings
projections
made
by
analysts
who
cover
that
company.
The
analysts’
opinions,
estimates
or
forecasts
(and
therefore
the
consensus
earnings
estimates)
are
theirs
alone,
are
not
those
of
PNC
or
its
management,
and
may
not
reflect
PNC’s
or
other
company’s
actual
or
anticipated
results.

13
Non-GAAP to GAAP Reconcilement
Appendix
In millions, for the three months ended
June 30, 2008
March 31, 2008
June 30, 2007
March 31, 2008
June 30, 2007
Net interest income
$977
$854
$738
14%
32%
Loan net interest income
396
337
274
18%
45%
Deposit and other net interest income
581
517
464
12%
25%
Noninterest income
1,062
967
975
10%
9%
Total revenue
$2,039
$1,821
$1,713
12%
19%
Consumer services
$149
$170
Service charges on deposits
92
82
Consumer services and deposit charges
241
252
(4%)
Revenue attributable to Hilliard Lyons
33
Consumer services and deposit charges
excluding Hilliard Lyons
$241
$219
10%
% Change for 2Q08 vs.

14
Non-GAAP to GAAP Reconcilement
Appendix
For the year ended December 31, 2007
PNC
PNC
In millions
As Reported 
Adjustments (a)
As Adjusted
Net interest income
$2,915
$2,915
Noninterest income
3,790
$131
3,921
Total revenue
6,705
131
6,836
Provision for credit losses
315
(45)
270
Noninterest expense
4,296
(184)
4,112
Income before income taxes
2,094
360
2,454
Income taxes
627
125
752
Net income
$1,467
$235
$1,702
BlackRock
For the year ended December 31, 2006
PNC
Deconsolidation and
BlackRock
PNC
In millions
As Reported
Adjustments (a)
Other Adjustments
Equity Method
As Adjusted
Net interest income
$2,245
$(10)
$2,235
Noninterest income
6,327
$(1,812)
(1,087)
$144
3,572
Total revenue
8,572
(1,812)
(1,097)
144
5,807
Provision for credit losses
124
124
Noninterest expense
4,443
(91)
(765)
3,587
Income before minority interest and income taxes
4,005
(1,721)
(332)
144
2,096
Minority interest in income of BlackRock
47
18
(65)
Income taxes
1,363
(658)
(130)
7
582
Net income
$2,595
$(1,081)
$(137)
$137
$1,514
(a)
Amounts
adjusted
to
exclude
the
impact
of
the
following
pretax
items:
(1)
the
gain
of
$83
million
recognized
in
connection
with
PNC's
transfer
of
BlackRock
shares
to
satisfy
a
portion
of
our
BlackRock
LTIP
shares
obligation,
(2)
the
$210
million
net
loss
representing
the
mark-to-market
adjustment
on
our
remaining
BlackRock
LTIP
shares
obligation,
(3)
acquisition
integration
costs
totaling
$151
million,
and
(4)
Visa
indemnification
charge
of
$82
million.
The
net
tax
impact
of
these
items
is
reflected in the adjustment to income taxes.
(a)
Includes
the
impact
of
the
following
pretax
items:
$2,078
million
gain
on
BlackRock/MLIM
transaction,
$196
million
securities
portfolio
rebalancing
loss,
$101
million
of
BlackRock/MLIM
transaction
integration
costs
($91
million
of
noninterest
expense
and
$10
million
impact
on
noninterest
income),
$48
millionmortgage
loan
portfolio
repositioning
loss,
and
$12
million
net
loss
related
to
our
BlackRock
LTIP
shares
obligation.
The
net
tax
impact
of
these
items
is
reflected
in
the
adjustment
to
income taxes.

15
Non-GAAP to GAAP Reconcilement
Appendix
For the year ended December 31, 2005
BlackRock
PNC
Deconsolidation and
BlackRock
PNC
In millions
As Reported
Other Adjustments
Equity Method
As Adjusted
Net interest income
$2,154
$(12)
$2,142
Noninterest income
4,173
(1,214)
$163
3,122
Total revenue
6,327
                    
(1,226)
                        
163
                         
5,264
                  
Provision for credit losses
21
21
Noninterest expense
4,306
(853)
3,453
Income before minority interest and income taxes
2,000
(373)
163
1,790
Minority interest in income of BlackRock
71
(71)
Income taxes
604
(150)
11
465
   Net income
$1,325
$(152)
$152
$1,325
For the year ended December 31, 2004
BlackRock
PNC
Deconsolidation and
BlackRock
PNC
In millions
As Reported
Other Adjustments
Equity Method
As Adjusted
Net interest income
$1,969
$(14)
$1,955
Noninterest income
3,572
(745)
$101
2,928
Total revenue
5,541
                    
(759)
                           
101
                         
4,883
                  
Provision for credit losses
52
52
Noninterest expense
3,712
(564)
3,148
Income before minority interest and income taxes
1,777
(195)
101
1,683
Minority interest in income of BlackRock
42
(42)
Income taxes
538
(59)
7
486
   Net income
$1,197
$(94)
$94
$1,197

16
Non-GAAP to GAAP Reconcilement
Appendix
Adjusted
In millions
2004
2005
2006
2007
'04-'07 CAGR
Adjusted net interest income
$1,955
$2,142
$2,235
$2,915
14%
Adjusted noninterest income
2,928
3,122
3,572
3,921
10%
Adjusted total revenue
4,883
5,264
5,807
6,836
12%
Adjusted noninterest expense
3,148
3,453
3,587
4,112
9%
Adjusted net income
1,197
                        
1,325
                  
1,514
             
1,702
                
12%
Adjusted operating leverage
3%
Reported
In millions
2004
2005
2006
2007
'04-'07 CAGR
Net interest income, as reported
$1,969
$2,154
$2,245
$2,915
14%
Noninterest income, as reported
3,572
4,173
6,327
3,790
2%
Total revenue, as reported
5,541
6,327
8,572
6,705
7%
Noninterest expense, as reported
3,712
4,306
4,443
4,296
5%
Net income, as reported
1,197
                        
1,325
                  
2,595
             
1,467
                
7%
Operating leverage, as reported
2%
For the year ended December 31, as adjusted
For the year ended December 31, as reported