Financial Supplement (unaudited) for Third Quarter 2009

Exhibit 99.1

LOGO

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2009

(UNAUDITED)

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2009

(UNAUDITED)


		Page
Consolidated Results:
Income Statement		1
Balance Sheet		2
Capital Ratios		2
Average Balance Sheet		3-4
Net Interest Margin		5
Loans and Loans Held for Sale		6
Accruing Loans Past Due		7
Allowances for Credit Losses		8
Nonperforming Assets		9-10
Business Segment Results:
Business Segment Descriptions		11
Summary of Earnings and Revenue		12
Period-end Employees		12
Retail Banking		13-14
Corporate & Institutional Banking		15
Asset Management Group		16
Residential Mortgage Banking		17
Global Investment Servicing		18
Distressed Assets Portfolio		19
Glossary of Terms		20-23

The information contained in this Financial Supplement is preliminary, unaudited and based on data available on October 22, 2009. We have reclassified certain prior period amounts to be consistent with the current period presentation. This information speaks only as of the particular date or dates included in the schedules. We do not undertake any obligation to, and disclaim any duty to, correct or update any of the information provided in this Financial Supplement. Our future financial performance is subject to risks and uncertainties as described in our United States Securities and Exchange Commission (“SEC”) filings.

National City Corporation Acquisition

On December 31, 2008, we acquired National City Corporation (“National City”). The accompanying period-end balance sheet includes National City’s assets and liabilities beginning December 31, 2008. Our average balance sheet and income statement includes National City’s balances beginning January 1, 2009. Other financial information reported follows this same convention except that period-end disclosures in the business segment portions of this Financial Supplement do not include National City at December 31, 2008 unless otherwise noted.

During the first nine months of 2009, additional information was obtained about the fair value of assets acquired and liabilities assumed as of December 31, 2008 which resulted in adjustments to the initial purchase price allocation. Most significantly, additional information was obtained on the credit quality of certain loans as of the acquisition date which resulted in additional fair value writedowns on acquired impaired loans. Adjustments to the purchase price allocation are summarized in the table below. Further modifications to the purchase price allocation may occur, resulting in the recognition of goodwill and liabilities during the fourth quarter.

National City Acquisition - Summary Purchase Price Allocation


Nine months ended September 30, 2009 - in billions
Excess of fair value of adjusted net assets acquired over purchase price - December 31, 2008	$	(1.3	)
Additional fair value marks and other adjustments on acquired loans - December 31, 2008		2.0
Other adjustments, net		(0.3	)
Excess of purchase price over fair value of adjusted net assets acquired - September 30, 2009	$	0.4


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 1

Consolidated Income Statement (Unaudited)


	Three months ended															Nine months ended
In millions, except per share data	September 30 2009 (a)			June 30 2009 (a)			March 31 2009 (a)			December 31 2008			September 30 2008			September 30 2009 (a)			September 30 2008
Interest Income
Loans	$	2,091		$	2,203		$	2,465		$	993		$	1,024		$	6,759		$	3,145
Investment securities		684			672			689			476			447			2,045			1,270
Other		113			126			106			74			103			345			355
Total interest income		2,888			3,001			3,260			1,543			1,574			9,149			4,770
Interest Expense
Deposits		387			474			546			333			340			1,407			1,152
Borrowed funds		279			345			409			218			234			1,033			787
Total interest expense		666			819			955			551			574			2,440			1,939
Net interest income		2,222			2,182			2,305			992			1,000			6,709			2,831
Noninterest Income
Fund servicing		194			193			199			209			233			586			695
Asset management		242			208			189			97			180			639			589
Consumer services		330			329			316			151			153			975			472
Corporate services		252			264			245			157			198			761			547
Residential mortgage		207			245			431									883
Service charges on deposits		248			242			224			101			97			714			271
Net gains on sales of securities		168			182			56			2			55			406			104
Net other-than-temporary impairments		(129	)		(155	)		(149	)		(174	)		(129	)		(433	)		(138	)
Other		314			297			55			141			(133	)		666			143
Total noninterest income		1,826			1,805			1,566			684			654			5,197			2,683
Total revenue		4,048			3,987			3,871			1,676			1,654			11,906			5,514
Provision for credit losses		914			1,087			880			990			190			2,881			527
Noninterest Expense
Personnel		1,158			1,174			1,088			494			569			3,420			1,660
Occupancy		181			190			188			94			89			559			274
Equipment		188			194			198			92			91			580			267
Marketing		58			59			57			31			38			174			94
Other		794			1,041			797			418			344			2,632			974
Total noninterest expense		2,379			2,658			2,328			1,129			1,131			7,365			3,269
Income (loss) before income taxes and noncontrolling interests		755			242			663			(443	)		333			1,660			1,718
Income taxes (benefit)		196			35			133			(197	)		74			364			558
Net income (loss)		559			207			530			(246	)		259			1,296			1,160
Less: Net income (loss) attributable to noncontrolling interests		(20	)		9			4			2			11			(7	)		30
Preferred stock dividends		99			119			51			21						269
Preferred stock discount accretion		13			14			15									42
Net income (loss) attributable to common shareholders	$	467		$	65		$	460		$	(269	)	$	248		$	992		$	1,130
Earnings (Loss) Per Common Share
Basic	$	1.01		$	.14		$	1.04		$	(.77	)	$	.72		$	2.19		$	3.28
Diluted	$	1.00		$	.14		$	1.03		$	(.77	)	$	.70		$	2.17		$	3.23
Average Common Shares Outstanding
Basic		460			451			443			348			345			451			343
Diluted		461			453			444			349			347			452			345
Efficiency		59	%		67	%		60	%		67	%		68	%		62	%		59	%

Noninterest income to total revenue		45	%		45	%		40	%		41	%		40	%		44	%		49	%

Effective income tax rate (b)		26.0	%		14.5	%		20.1	%		44.5	%		22.2	%		21.9	%		32.5	%

(a)	Includes the impact of National City, which we acquired on December 31, 2008.

(b)	The effective income tax rates are generally lower than the statutory rate due to the relationship of pretax income to tax credits and earnings that are not subject to tax. The higher effective tax rate for the fourth quarter of 2008 resulted from the net loss in that period.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 2

Consolidated Balance Sheet (Unaudited)


In millions, except par value	September 30 2009 (a)			June 30 2009 (a)			March 31 2009 (a)			December 31 2008 (a)			September 30 2008
Assets
Cash and due from banks	$	3,426		$	3,797		$	3,576		$	4,471		$	3,060
Federal funds sold and resale agreements (b)		2,427			1,814			1,554			1,856			1,826
Trading securities		2,075			1,925			1,087			1,725			2,273
Interest-earning deposits with banks		1,129			10,190			14,783			14,859			329
Other short-term investments		925			894			807			1,025			264
Loans held for sale (b)		3,509			4,662			4,045			4,366			1,922
Investment securities		54,413			49,969			46,253			43,473			31,031
Loans (b)		160,608			165,009			171,373			175,489			75,184
Allowance for loan and lease losses		(4,810	)		(4,569	)		(4,299	)		(3,917	)		(1,053	)
Net loans		155,798			160,440			167,074			171,572			74,131
Goodwill		9,286			9,206			8,855			8,868			8,829
Other intangible assets		3,448			3,684			3,323			2,820			1,092
Equity investments		8,684			8,168			8,215			8,554			6,735
Other (b)		26,287			25,005			26,850			27,492			14,118
Total assets	$	271,407		$	279,754		$	286,422		$	291,081		$	145,610

Liabilities
Deposits
Noninterest-bearing	$	43,025		$	41,806		$	40,610		$	37,148		$	19,255
Interest-bearing		140,784			148,633			154,025			155,717			65,729
Total deposits		183,809			190,439			194,635			192,865			84,984
Borrowed funds
Federal funds purchased and repurchase agreements		3,996			3,921			4,789			5,153			7,448
Federal Home Loan Bank borrowings		11,953			14,777			16,985			18,126			10,466
Bank notes and senior debt		12,424			13,292			13,828			13,664			5,792
Subordinated debt		10,501			10,383			10,694			11,208			5,192
Other		3,036			2,308			2,163			4,089			3,241
Total borrowed funds		41,910			44,681			48,459			52,240			32,139
Allowance for unfunded loan commitments and letters of credit		324			319			328			344			127
Accrued expenses		3,592			3,651			3,340			3,949			2,650
Other		10,109			11,197			11,004			14,035			9,422
Total liabilities		239,744			250,287			257,766			263,433			129,322

Equity
Preferred stock (c)
Common stock - $5 par value
Authorized 800 shares, issued 469, 468, 452, 452, and 357 shares		2,348			2,342			2,261			2,261			1,787
Capital surplus - preferred stock		7,960			7,947			7,933			7,918			493
Capital surplus - common stock and other		8,860			8,783			8,284			8,328			2,884
Retained earnings (d)		12,179			11,758			11,738			11,461			11,959
Accumulated other comprehensive loss (d)		(1,947	)		(3,101	)		(3,289	)		(3,949	)		(2,230	)
Common stock held in treasury at cost: 8, 7, 7, 9, and 9 shares		(472	)		(435	)		(450	)		(597	)		(675	)
Total shareholders’ equity		28,928			27,294			26,477			25,422			14,218
Noncontrolling interests		2,735			2,173			2,179			2,226			2,070
Total equity		31,663			29,467			28,656			27,648			16,288
Total liabilities and equity	$	271,407		$	279,754		$	286,422		$	291,081		$	145,610
Capital Ratios (e)
Tier 1 risk-based		10.8	%		10.5	%		10.0	%		9.7	%		8.2	%
Tier 1 common		5.5			5.3			4.9			4.8			5.7
Total risk-based		14.3			14.1			13.6			13.2			11.9
Leverage		9.6			9.1			8.9			17.5			7.2

(a)	Includes the impact of National City, which we acquired on December 31, 2008. In accordance with GAAP, the National City balances were reflected at fair value as of the acquisition date.

(b)	Amounts include items for which PNC has elected the fair value option. Our third quarter 2009 Form 10-Q will include additional information regarding these Consolidated Balance Sheet line items.

(c)	Par value less than $.5 million at each date.

(d)	Retained earnings at January 1, 2009 was increased $110 million representing the after-tax noncredit portion of other-than-temporary impairment losses recognized in net income during 2008 that has been reclassified to accumulated other comprehensive loss.

(e)	The capital ratios as of September 30, 2009 are estimated.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 3

Average Consolidated Balance Sheet (Unaudited)


	Three months ended															Nine months ended
In millions	September 30 2009 (a)			June 30 2009 (a)			March 31 2009 (a)			December 31 2008			September 30 2008			September 30 2009 (a)			September 30 2008
Assets
Interest-earning assets:
Investment securities
Securities available for sale
Residential mortgage-backed
Agency	$	20,838		$	21,007		$	23,065		$	11,994		$	10,744		$	21,628		$	9,334
Nonagency		11,553			12,520			13,140			11,963			12,180			12,399			12,086
Commercial mortgage-backed		5,052			4,624			4,252			5,428			5,863			4,645			5,747
Asset-backed		1,911			1,985			2,031			2,768			3,522			1,975			3,246
US Treasury and government agencies		6,026			4,185			1,222			32			32			3,829			56
State and municipal		1,367			1,366			1,334			1,070			798			1,356			661
Other debt		1,647			1,012			684			320			266			1,118			187
Corporate stocks and other		388			386			457			358			411			410			430
Total securities available for sale		48,782			47,085			46,185			33,933			33,816			47,360			31,747
Securities held to maturity (b)		4,286			3,860			3,402			1,596						3,853
Total investment securities		53,068			50,945			49,587			35,529			33,816			51,213			31,747

Loans
Commercial		58,457			63,570			67,232			33,062			31,356			63,054			30,665
Commercial real estate		24,491			25,418			25,622			9,582			9,560			25,173			9,296
Equipment lease financing		6,045			6,191			6,406			2,563			2,573			6,213			2,568
Consumer		52,066			51,878			52,618			21,645			20,984			52,185			20,149
Residential mortgage		20,847			21,831			21,921			8,597			8,875			21,529			9,158
Total loans		161,906			168,888			173,799			75,449			73,348			168,154			71,836
Loans held for sale		3,696			4,757			4,521			1,915			2,146			4,322			2,698
Federal funds sold and resale agreements		2,417			1,726			1,610			1,591			2,736			1,921			2,768
Other		14,607			16,870			14,728			3,135			3,700			15,400			4,382
Total interest-earning assets		235,694			243,186			244,245			117,619			115,746			241,010			113,431
Noninterest-earning assets:
Allowance for loan and lease losses		(4,264	)		(4,385	)		(4,095	)		(1,084	)		(1,012	)		(4,248	)		(922	)
Cash and due from banks		3,547			3,558			3,832			2,293			2,779			3,645			2,844
Other		39,071			38,496			36,870			24,281			25,486			38,153			26,301
Total assets	$	274,048		$	280,855		$	280,852		$	143,109		$	142,999		$	278,560		$	141,654

(a)	Includes the impact of National City, which we acquired on December 31, 2008.

(b)	Primarily consists of commercial mortgage-backed and asset-backed securities.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 4

Average Consolidated Balance Sheet (Unaudited) (Continued)


	Three months ended										Nine months ended
In millions	September 30 2009 (a)		June 30 2009 (a)		March 31 2009 (a)		December 31 2008		September 30 2008		September 30 2009 (a)		September 30 2008
Liabilities and Equity
Interest-bearing liabilities:
Interest-bearing deposits
Money market	$	56,662	$	55,464	$	52,828	$	29,450	$	28,075	$	54,999	$	27,012
Demand		23,874		23,629		22,156		10,252		9,958		23,225		9,845
Savings		6,652		6,678		6,266		2,668		2,751		6,534		2,730
Retail certificates of deposit		53,468		57,357		57,970		16,767		16,456		56,249		16,600
Other time		2,841		5,259		10,670		4,798		4,393		6,228		4,298
Time deposits in foreign offices		3,356		3,348		3,832		4,748		5,141		3,510		5,093
Total interest-bearing deposits		146,853		151,735		153,722		68,683		66,774		150,745		65,578
Borrowed funds
Federal funds purchased and repurchase agreements		4,422		4,283		5,016		5,979		7,870		4,571		7,646
Federal Home Loan Bank borrowings		12,996		15,818		17,097		9,710		9,660		15,288		9,167
Bank notes and senior debt		12,542		13,688		13,384		5,120		5,772		13,202		6,380
Subordinated debt		10,214		10,239		10,439		5,090		5,088		10,297		4,957
Other		2,806		2,170		1,944		4,087		3,758		2,310		3,620
Total borrowed funds		42,980		46,198		47,880		29,986		32,148		45,668		31,770
Total interest-bearing liabilities		189,833		197,933		201,602		98,669		98,922		196,413		97,348
Noninterest-bearing liabilities and equity:
Demand and other noninterest-bearing deposits		41,816		40,965		38,489		18,809		18,193		40,436		17,935
Allowance for unfunded loan commitments and letters of credit		319		328		344		127		124		330		137
Accrued expenses and other liabilities		11,489		11,990		11,872		10,634		9,396		11,782		9,831
Equity		30,591		29,639		28,545		14,870		16,364		29,599		16,403
Total liabilities and equity	$	274,048	$	280,855	$	280,852	$	143,109	$	142,999	$	278,560	$	141,654

Supplemental Average Balance Sheet Information (Unaudited)

Deposits and Common Shareholders’ Equity
Interest-bearing deposits	$	146,853	$	151,735	$	153,722	$	68,683	$	66,774	$	150,745	$	65,578
Demand and other noninterest-bearing deposits		41,816		40,965		38,489		18,809		18,193		40,436		17,935
Total deposits	$	188,669	$	192,700	$	192,211	$	87,492	$	84,967	$	191,181	$	83,513

Transaction deposits	$	122,352	$	120,058	$	113,473	$	58,511	$	56,226	$	118,660	$	54,792

Common shareholders’ equity	$	20,391	$	19,527	$	18,405	$	12,205	$	13,838	$	19,448	$	14,209

(a)	Includes the impact of National City, which we acquired on December 31, 2008.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 5

Details of Net Interest Margin (Unaudited)


	Three months ended										Nine months ended
Net Interest Margin (a)	September 30 2009 (b)		June 30 2009 (b)		March 31 2009 (b)		December 31 2008		September 30 2008		September 30 2009 (b)		September 30 2008
Average yields/rates
Yield on interest-earning assets
Loans	5.12	%	5.22	%	5.72	%	5.22	%	5.53	%	5.36	%	5.82	%
Investment securities	5.20		5.32		5.59		5.39		5.32		5.36		5.36
Other	2.18		2.14		2.10		4.43		4.85		2.14		4.92
Total yield on interest-earning assets	4.88		4.94		5.38		5.22		5.42		5.07		5.61
Rate on interest-bearing liabilities
Deposits	1.04		1.25		1.44		1.92		2.02		1.25		2.34
Borrowed funds	2.57		2.97		3.42		2.86		2.85		3.00		3.26
Total rate on interest-bearing liabilities	1.39		1.65		1.91		2.21		2.29		1.65		2.64
Interest rate spread	3.49		3.29		3.47		3.01		3.13		3.42		2.97
Impact of noninterest-bearing sources	.27		.31		.34		.36		.33		.30		.37
Net interest margin	3.76	%	3.60	%	3.81	%	3.37	%	3.46	%	3.72	%	3.34	%

(a)

Calculated as annualized taxable-equivalent net interest income divided by average earning assets. The interest income earned on certain earning assets is completely or partially exempt from federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments. To provide more meaningful comparisons of yields and margins for all earning assets in calculating net interest margins, in this table we use 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. This adjustment is not permitted under GAAP in the Consolidated Income Statement. The taxable-equivalent adjustments to net interest income for the nine months ended September 30, 2009 and September 30, 2008 were $47 million and $28 million, respectively. The taxable-equivalent adjustments to net interest income for the three months ended September 30, 2009, June 30, 2009, March 31, 2009, December 31, 2008, and September 30, 2008 were $16 million, $16 million, $15 million, $8 million, and $9 million, respectively.

(b)	Includes the impact of National City, which we acquired on December 31, 2008, including fair value yield and rate paid adjustments associated with purchase accounting.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 6

Details of Loans (Unaudited)


In millions	September 30 2009 (a)		June 30 2009 (a)		March 31 2009 (a)		December 31 2008 (a)		September 30 2008
Commercial
Retail/wholesale	$	9,404	$	10,141	$	11,226	$	11,482	$	6,223
Manufacturing		10,639		11,595		12,796		13,263		5,793
Other service providers		8,364		8,491		8,674		9,038		4,037
Real estate related (b)		7,854		8,346		8,926		9,107		6,308
Financial services		4,422		5,078		5,050		5,194		1,730
Health care		2,888		3,045		3,079		3,201		1,683
Other		13,357		13,898		15,446		17,935		6,864
Total commercial		56,928		60,594		65,197		69,220		32,638
Commercial real estate
Real estate projects		16,112		16,542		16,830		17,176		6,617
Commercial mortgage		7,952		8,323		8,590		8,560		3,047
Total commercial real estate		24,064		24,865		25,420		25,736		9,664
Equipment lease financing		6,283		6,092		6,300		6,461		2,613
TOTAL COMMERCIAL LENDING		87,275		91,551		96,917		101,417		44,915
Consumer
Home equity
Lines of credit		24,272		24,373		24,112		24,024		7,619
Installment		12,098		12,346		12,934		14,252		7,273
Education		6,370		5,340		5,127		4,211		2,672
Automobile		1,988		1,784		1,737		1,667		1,606
Credit card and other unsecured lines of credit		3,533		3,261		3,148		3,163		511
Other		4,614		4,833		4,910		5,172		1,831
Total consumer		52,875		51,937		51,968		52,489		21,512
Residential real estate
Residential mortgage		18,469		19,342		19,661		18,783		8,356
Residential construction		1,989		2,179		2,827		2,800		401
Total residential real estate		20,458		21,521		22,488		21,583		8,757
TOTAL CONSUMER LENDING		73,333		73,458		74,456		74,072		30,269
Total (c)	$	160,608	$	165,009	$	171,373	$	175,489	$	75,184

(a) Includes the impact of National City, which we acquired on December 31, 2008. (b) Includes loans to customers in the real estate and construction industries.
(c) Includes purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.	$	11,064	$	12,289	$	12,560	$	12,709

Details of Loans Held for Sale (Unaudited)


In millions	September 30 2009 (a)		June 30 2009 (a)		March 31 2009 (a)		December 31 2008 (a)		September 30 2008
Commercial mortgage	$	1,810	$	1,531	$	1,648	$	2,148	$	1,505
Residential mortgage		1,552		2,886		2,244		1,962		99
Other		147		245		153		256		318
Total	$	3,509	$	4,662	$	4,045	$	4,366	$	1,922


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 7

Accruing Loans Past Due (Unaudited)

Accruing Loans Past Due 30 To 89 Days (a) (b)


	Amount								Percent of Total Outstandings
Dollars in millions	Sept. 30 2009		June 30 2009		March 31 2009		Dec. 31 2008		Sept. 30 2009		June 30 2009		March 31 2009		Dec. 31 2008
Commercial	$	633	$	640	$	741	$	489	1.13	%	1.07	%	1.16	%	.72	%
Commercial real estate		743		654		398		400	3.34		2.85		1.70		1.68
Equipment lease financing		50		52		69		74	.80		.85		1.10		1.15
Consumer		444		401		421		451	.90		.83		.87		.93
Residential real estate		510		448		507		506	3.29		2.83		3.01		3.23
Total (c)	$	2,380	$	2,195	$	2,136	$	1,920	1.59	%	1.44	%	1.34	%	1.18	%

Accruing Loans Past Due 90 Days Or More (a) (b)


	Amount								Percent of Total Outstandings
Dollars in millions	Sept. 30 2009		June 30 2009		March 31 2009		Dec. 31 2008		Sept. 30 2009		June 30 2009		March 31 2009		Dec. 31 2008
Commercial	$	196	$	153	$	80	$	90	.35	%	.26	%	.12	%	.13	%
Commercial real estate		184		104		61		52	.83		.45		.26		.22
Equipment lease financing		3		6				2	.05		.10				.03
Consumer		216		198		183		154	.44		.41		.38		.32
Residential real estate		276		582		177		97	1.78		3.68		1.05		.62
Total (d)	$	875	$	1,043	$	501	$	395	.59	%	.68	%	.32	%	.24	%

(a)	Excludes loans that are government insured/guaranteed, primarily residential mortgages.

(b)	Excludes loans acquired from National City that were impaired. These loans are excluded as they were recorded at estimated fair value when acquired and are currently considered performing loans due to the accretion of interest in purchase accounting.

(c)	Includes loans acquired from National City of $1.7 billion at September 30, 2009, $1.6 billion at June 30, 2009, $1.4 billion at March 31, 2009 and $1.3 billion at December 31, 2008.

(d)	Includes loans acquired from National City of $0.6 billion at September 30, 2009, $0.8 billion at June 30, 2009, $0.3 billion at March 31, 2009 and $0.2 billion at December 31, 2008.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 8

Allowances for Loan and Lease Losses and Unfunded Loan Commitments and Letters of Credit, and Net Unfunded Commitments (Unaudited) Change in Allowance for Loan and Lease Losses


Three months ended - in millions	September 30 2009			June 30 2009			March 31 2009			December 31 2008			September 30 2008
Beginning balance	$	4,569		$	4,299		$	3,917		$	1,053		$	988
Charge-offs:
Commercial		(323	)		(364	)		(209	)		(109	)		(51	)
Commercial real estate		(20	)		(124	)		(106	)		(70	)		(60	)
Equipment lease financing		(42	)		(50	)		(23	)		(1	)		1
Consumer		(257	)		(289	)		(148	)		(43	)		(39	)
Residential real estate		(96	)		(54	)		(26	)		(4	)		(2	)
Total charge-offs		(738	)		(881	)		(512	)		(227	)		(151	)
Recoveries:
Commercial		42			36			16			13			21
Commercial real estate		8			10			5			3			4
Equipment lease financing		7			5			5
Consumer		23			28			27			4			4
Residential real estate		8			7			28
Total recoveries		88			86			81			20			29
Net charge-offs:
Commercial		(281	)		(328	)		(193	)		(96	)		(30	)
Commercial real estate		(12	)		(114	)		(101	)		(67	)		(56	)
Equipment lease financing		(35	)		(45	)		(18	)		(1	)		1
Consumer		(234	)		(261	)		(121	)		(39	)		(35	)
Residential real estate		(88	)		(47	)		2			(4	)		(2	)
Total net charge-offs		(650	)		(795	)		(431	)		(207	)		(122	)
Provision for credit losses (a)		914			1,087			880			990			190
Acquired allowance - National City		(18	)		(31	)		(83	)		2,224
Net change in allowance for unfunded loan commitments and letters of credit (b)		(5	)		9			16			(143	)		(3	)
Ending balance	$	4,810		$	4,569		$	4,299		$	3,917		$	1,053
Supplemental Information
Net charge-offs to average loans (for the three months ended) (annualized)		1.59	%		1.89	%		1.01	%		1.09	%		.66	%
Allowance for loan and lease losses to total loans		2.99			2.77			2.51			2.23			1.40

Commercial lending net charge-offs	$	(328	)	$	(487	)	$	(312	)	$	(164	)	$	(85	)
Consumer lending net charge-offs		(322	)		(308	)		(119	)		(43	)		(37	)
Total net charge-offs	$	(650	)	$	(795	)	$	(431	)	$	(207	)	$	(122	)

Net charge-offs to average loans
Commercial lending		1.46	%		2.05	%		1.27	%		1.44	%		.78	%
Consumer lending		1.75			1.68			.65			.57			.49

(a)	Fourth quarter of 2008 includes integration costs (conforming provision for credit losses) of $504 million related to National City.

(b)	Fourth quarter of 2008 includes $154 million related to the National City conforming provision for credit losses.

Change in Allowance for Unfunded Loan Commitments and Letters of Credit


Three months ended - in millions	September 30 2009		June 30 2009			March 31 2009			December 31 2008		September 30 2008
Beginning balance	$	319	$	328		$	344		$	127	$	124
Acquired allowance - National City										74
Net change in allowance for unfunded loan commitments and letters of credit		5		(9	)		(16	)		143		3
Ending balance	$	324	$	319		$	328		$	344	$	127

Net Unfunded Commitments In millions	September 30 2009 (c)		June 30 2009 (c)			March 31 2009 (c)			December 31 2008 (c)		September 30 2008
Net unfunded commitments	$	102,770	$	103,058		$	102,821		$	104,888	$	57,094

(c)	Includes the impact of National City, which we acquired on December 31, 2008.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 9

Details of Nonperforming Assets (Unaudited)

Nonperforming Assets by Type


In millions	September 30 2009 (a)			June 30 2009 (a)			March 31 2009 (a)			December 31 2008 (a)			September 30 2008
Nonperforming loans
Commercial
Retail/wholesale	$	219		$	171		$	149		$	88		$	72
Manufacturing		387			410			334			141			45
Other service providers		348			243			224			114			76
Real estate related (b)		396			322			226			151			92
Financial services		200			58			58			23			15
Health care		48			89			104			37			8
Other		232			157			119			22			5
Total commercial		1,830			1,450			1,214			576			313
Commercial real estate
Real estate projects		1,637			1,426			1,012			659			391
Commercial mortgage		235			230			200			107			49
Total commercial real estate		1,872			1,656			1,212			766			440
Equipment lease financing		164			120			121			97			3
TOTAL COMMERCIAL LENDING		3,866			3,226			2,547			1,439			756
Consumer
Home equity		207			164			75			66			22
Other		25			34			24			4			3
Total consumer		232			198			99			70			25
Residential real estate
Residential mortgage		790			663			299			139			60
Residential construction		238			69			15			14
Total residential real estate		1,028			732			314			153			60
TOTAL CONSUMER LENDING		1,260			930			413			223			85
Total nonperforming loans (c)		5,126			4,156			2,960			1,662			841
Foreclosed and other assets
Commercial lending		145			113			93			50			5
Consumer lending		373			387			465			469			29
Total foreclosed and other assets		518			500			558			519			34
Total nonperforming assets	$	5,644		$	4,656		$	3,518		$	2,181		$	875
Nonperforming loans to total loans		3.19	%		2.52	%		1.73	%		.95	%		1.12	%
Nonperforming assets to total loans and foreclosed and other assets		3.50			2.81			2.05			1.24			1.16
Nonperforming assets to total assets		2.08			1.66			1.23			.75			.60
Allowance for loan and lease losses to nonperforming loans		94			110			145			236			125

(a)	Amounts at September 30, 2009, June 30, 2009, March 31, 2009 and December 31, 2008 include $3.1 billion, $2.2 billion, $1.6 billion and $738 million, respectively, of nonperforming assets related to National City, excluding those loans that we impaired.

(b)	Includes loans related to customers in the real estate and construction industries.

(c)	Total nonperforming loans include troubled debt restructured loans of $230 million at September 30, 2009 and $127 million at June 30, 2009.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 10

Details of Nonperforming Assets (Unaudited) (Continued)

Change in Nonperforming Assets


In millions
January 1, 2009	$	2,181
Transferred in		6,458
Charge-offs/valuation adjustments		(1,230	)
Principal activity including payoffs		(828	)
Returned to performing		(371	)
Sales		(566	)
September 30, 2009	$	5,644

Largest Individual Nonperforming Assets at September 30, 2009 (a)


In millions
Ranking	Outstandings		Industry
1	$	99	Finance
2		42	Finance
3		33	Real Estate
4		32	Real Estate
5		32	Real Estate
6		28	Real Estate
7		27	Finance
8		25	Manufacturing
9		24	Real Estate
10		24	Real Estate
Total	$	366
As a percent of total nonperforming assets				6	%

(a)	Amounts shown are not net of related allowance for loan and lease losses, if applicable.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 11

Business Segment Descriptions (Unaudited)

Retail Banking provides deposit, lending, brokerage, trust, investment management and cash management services to consumer and small business customers within our primary geographic markets. Our customers are serviced through our branch network, call centers and the internet. The branch network is located primarily in Pennsylvania, Ohio, New Jersey, Michigan, Maryland, Illinois, Indiana, Kentucky, Florida, Missouri, Virginia, Delaware, Washington, D.C., and Wisconsin.

Corporate & Institutional Banking provides lending, treasury management, and capital markets-related products and services to mid-sized corporations, government and not-for-profit entities, and selectively to large corporations. Lending products include secured and unsecured loans, letters of credit and equipment leases. Treasury management services include cash and investment management, receivables management, disbursement services, funds transfer services, information reporting, and global trade services. Capital markets-related products and services include foreign exchange, derivatives, loan syndications, mergers and acquisitions advisory and related services to middle-market companies, securities underwriting, and securities sales and trading. Corporate & Institutional Banking also provides commercial loan servicing, and real estate advisory and technology solutions for the commercial real estate finance industry. Corporate & Institutional Banking provides products and services generally within our primary geographic markets, with certain products and services offered nationally.

Asset Management Group includes personal wealth management for high net worth and ultra high net worth clients and institutional asset management. Wealth management products and services include financial planning, customized investment management, private banking, tailored credit solutions and trust management and administration for individuals and their families. Institutional asset management provides investment management, custody, and retirement planning services. The institutional clients include corporations, foundations and unions and charitable endowments located primarily in our geographic footprint. This segment includes the asset management businesses acquired through the National City acquisition and the legacy PNC wealth management business previously included in the Retail Banking segment.

Residential Mortgage Banking directly originates first lien residential mortgage loans on a nationwide basis with a significant presence within the retail banking footprint and also originates loans through joint venture partners. Mortgage loans represent loans collateralized by one-to-four-family residential real estate and are made to borrowers in good credit standing. These loans are typically underwritten to third party standards and sold to primary mortgage market aggregators (Fannie Mae, Freddie Mac, Ginnie Mae, Federal Home Loan Banks and third-party investors) with servicing retained. The mortgage servicing operation performs all functions related to servicing first mortgage loans for various investors. Certain loans originated through our joint ventures are serviced by a joint venture partner. In November 2009, we will end our joint venture relationship related to our legacy PNC business and will rebrand the former National City Mortgage as PNC Mortgage.

BlackRock is one of the largest publicly traded investment management firms in the world. BlackRock manages assets on behalf of institutional and individual investors worldwide through a variety of fixed income, cash management, equity and balanced and alternative investment separate accounts and funds. In addition, BlackRock provides market risk management, financial markets advisory and enterprise investment system services globally to a broad base of clients. At September 30, 2009, our share of BlackRock’s earnings was approximately 31%.

Global Investment Servicing is a leading provider of processing, technology and business intelligence services to asset managers, broker-dealers, and financial advisors worldwide. Securities services include custody, securities lending, and accounting and administration for funds registered under the Investment Company Act of 1940 and alternative investments. Investor services include transfer agency, subaccounting, banking transaction services, and distribution. Financial advisor services include managed accounts and information management. This business segment services shareholder accounts both domestically and internationally. International locations include Ireland, Poland and Luxembourg.

Distressed Assets Portfolio includes residential real estate development loans, cross-border leases, subprime residential mortgage loans, brokered home equity loans and certain other residential real estate loans. These loans require special servicing and management oversight given current market conditions. The majority of these loans are from acquisitions, primarily National City.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 12

Summary of Business Segment Earnings and Revenue (Unaudited) (a) (b)


	Three months ended													Nine months ended
In millions Earnings (Loss)	September 30 2009 (c)		June 30 2009 (c)			March 31 2009 (c)			December 31 2008			September 30 2008		September 30 2009 (c)			September 30 2008
Retail Banking	$	50	$	61		$	50		$	68		$	36	$	161		$	260
Corporate & Institutional Banking		283		107			359			(55	)		90		749			271
Asset Management Group		35		8			39			22			26		82			97
Residential Mortgage Banking		91		92			227								410
Global Investment Servicing		19		12			10			25			34		41			97
Distressed Assets Portfolio		39		155			3								197
Other, including BlackRock (b) (d) (e)		42		(228	)		(158	)		(306	)		73		(344	)		435
Total consolidated net income (loss)	$	559	$	207		$	530		$	(246	)	$	259	$	1,296		$	1,160

Revenue
Retail Banking	$	1,434	$	1,467		$	1,441		$	668		$	662	$	4,342		$	2,063
Corporate & Institutional Banking		1,316		1,283			1,290			531			443		3,889			1,328
Asset Management Group		225		226			250			128			141		701			431
Residential Mortgage Banking		292		332			528								1,152
Global Investment Servicing (f)		198		188			190			214			237		576			702
Distressed Assets Portfolio		254		334			344								932
Other, including BlackRock (b) (d)		329		157			(172	)		135			171		314			990
Total consolidated revenue	$	4,048	$	3,987		$	3,871		$	1,676		$	1,654	$	11,906		$	5,514

(a)

Our business information is presented based on our management accounting practices and our management structure. We refine our methodologies from time to time as our management accounting practices are enhanced and our businesses and management structure change. Certain prior period amounts have been reclassified to reflect current methodologies and our current business and management structure.

(b)	We consider BlackRock to be a separate reportable business segment but have combined its results with Other for this presentation. Our third quarter 2009 Form 10-Q will include additional information regarding BlackRock.

(c)	Includes the impact of National City, which we acquired on December 31, 2008.

(d)

Includes earnings and gains or losses related to PNC’s equity interest in BlackRock, integration costs, asset and liability management activities including net securities gains or losses and certain trading activities, equity management activities, exited businesses, differences between business segment performance reporting and financial statement reporting under generally accepted accounting principles (GAAP), corporate overhead and intercompany eliminations.

(e)	The $504 million conforming provision for credit losses related to the National City acquisition was included in this business segment for the fourth quarter of 2008.

(f)	Global Investment Servicing revenue represents the sum of servicing revenue and nonoperating income (expense) less debt financing costs.


Period-end Employees	September 30 2009 (g)	June 30 2009 (g)	March 31 2009 (g)	December 31 2008 (g)	September 30 2008
Full-time employees
Retail Banking	21,644	22,102	22,468	9,304	9,160
Corporate & Institutional Banking	3,861	4,038	4,169	2,502	2,611
Asset Management Group	3,067	3,150	3,210	1,836	1,822
Residential Mortgage Banking	3,606	3,693	3,596
Global Investment Servicing	4,561	4,663	4,732	4,934	4,969
Distressed Assets Portfolio	157	131	110
Other
Operations & Technology	9,400	9,350	9,406	4,491	4,452
Staff Services and other	4,233	4,235	4,167	2,246	2,209
Total Other	13,633	13,585	13,573	6,737	6,661
Total full-time employees	50,529	51,362	51,858	25,313	25,223
Retail Banking part-time employees	4,859	5,199	5,375	2,347	2,340
Other part-time employees	1,520	1,509	1,562	561	566
Total part-time employees	6,379	6,708	6,937	2,908	2,906
Total National City legacy employees (g)				31,374
Total	56,908	58,070	58,795	59,595	28,129

The period-end employee statistics disclosed for each PNC legacy business reflect staff directly employed by the respective business and exclude operations, technology and staff services employees. Global Investment Servicing statistics are presented on a legal entity basis.

(g)	National City’s legacy employees are included in the aggregate at December 31, 2008 but are included in the individual business segments as appropriate for the 2009 periods presented.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 13

Retail Banking (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions	September 30 2009 (b) (c)			June 30 2009 (b)			March 31 2009 (b)			December 31 2008			September 30 2008			September 30 2009 (b)			September 30 2008
INCOME STATEMENT
Net interest income	$	865		$	903		$	921		$	398		$	394		$	2,689		$	1,196
Noninterest income
Service charges on deposits		244			237			220			98			93			701			261
Brokerage		63			62			61			39			41			186			113
Consumer services		227			227			208			105			106			662			311
Other		35			38			31			28			28			104			182
Total noninterest income		569			564			520			270			268			1,653			867
Total revenue		1,434			1,467			1,441			668			662			4,342			2,063
Provision for credit losses		313			304			304			89			133			921			299
Noninterest expense		1,040			1,065			1,053			462			463			3,158			1,327
Pretax earnings		81			98			84			117			66			263			437
Income taxes		31			37			34			49			30			102			177
Earnings	$	50		$	61		$	50		$	68		$	36		$	161		$	260
AVERAGE BALANCE SHEET
Loans
Consumer
Home equity	$	27,383		$	27,496		$	27,640		$	13,430		$	13,320		$	27,505		$	13,206
Indirect		3,989			4,040			4,120			2,070			2,034			4,049			2,044
Education		5,743			5,199			4,882			2,756			2,348			5,278			1,762
Credit cards		2,176			2,164			2,112			304			269			2,151			251
Other		1,778			1,726			1,858			472			473			1,787			467
Total consumer		41,069			40,625			40,612			19,032			18,444			40,770			17,730
Commercial and commercial real estate		12,166			12,550			12,755			4,927			4,991			12,488			5,063
Floor plan		1,059			1,371			1,495			995			919			1,307			992
Residential mortgage		1,995			2,114			2,252			1,914			1,996			2,120			2,067
Total loans		56,289			56,660			57,114			26,868			26,350			56,685			25,852
Goodwill and other intangible assets		5,894			5,784			5,807			5,328			5,335			5,828			5,146
Other assets		2,870			2,733			2,699			1,270			1,360			2,768			1,741
Total assets	$	65,053		$	65,177		$	65,620		$	33,466		$	33,045		$	65,281		$	32,739
Deposits
Noninterest-bearing demand	$	16,482		$	16,408		$	15,819		$	9,075		$	9,390		$	16,238		$	9,229
Interest-bearing demand		18,435			18,639			17,900			8,195			8,116			18,327			8,033
Money market		39,753			39,608			38,831			18,635			17,475			39,401			16,745
Total transaction deposits		74,670			74,655			72,550			35,905			34,981			73,966			34,007
Savings		6,731			6,767			6,360			2,637			2,719			6,621			2,696
Certificates of deposit		52,189			55,798			56,355			15,820			15,558			54,765			15,793
Total deposits		133,590			137,220			135,265			54,362			53,258			135,352			52,496
Other liabilities		55			38			82			306			347			58			342
Capital		8,523			8,790			8,376			3,420			3,354			8,564			3,305
Total liabilities and equity	$	142,168		$	146,048		$	143,723		$	58,088		$	56,959		$	143,974		$	56,143
PERFORMANCE RATIOS
Return on average capital		2	%		3	%		2	%		8	%		4	%		3	%		11	%
Noninterest income to total revenue		40			38			36			40			40			38			42
Efficiency		73			73			73			69			70			73			64

(a)	See note (a) on page 12.

(b)	Includes the impact of National City, which we acquired on December 31, 2008.

(c)	Information as of and for the three months ended September 30, 2009 reflects the impact of the required divestiture of 61 branches that was completed by early September 2009.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 14

Retail Banking (Unaudited) (Continued)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2009 (a) (b)			June 30 2009 (a)			March 31 2009 (a)			December 31 2008			September 30 2008			September 30 2009 (a)			September 30 2008
OTHER INFORMATION (c)
Credit-related statistics:
Commercial nonperforming assets	$	311		$	246		$	194		$	122		$	131
Consumer nonperforming assets		191			156			87			68			48
Total nonperforming assets	$	502		$	402		$	281		$	190		$	179
Impaired loans (d )	$	1,161		$	1,266		$	1,269		$	1,297
Commercial lending net charge-offs	$	70		$	89		$	86		$	49		$	17		$	245		$	90
Consumer lending net charge-offs		164			157			121			36			32			442			82
Total net charge-offs	$	234		$	246		$	207		$	85		$	49		$	687		$	172

Commercial lending annualized net charge-off ratio		2.10	%		2.56	%		2.45	%		3.29	%		1.14	%		2.37	%		1.99	%
Consumer lending annualized net charge-off ratio		1.51	%		1.47	%		1.14	%		.68	%		.62	%		1.38	%		.55	%
Total annualized net charge-off ratio		1.65	%		1.74	%		1.47	%		1.26	%		.74	%		1.62	%		.89	%
Other statistics:
ATMs		6,463			6,474			6,402			4,041			4,018
Branches (e)		2,553			2,606			2,585			1,141			1,135
Home equity portfolio credit statistics:
% of first lien positions (f)		35	%		35	%		35	%		37	%		38	%
Weighted average loan-to-value ratios (f)		74	%		74	%		74	%		73	%		73	%
Weighted average FICO scores (g)		727			728			727			726			726
Annualized net charge-off ratio		.97	%		.80	%		.34	%		.58	%		.54	%		.70	%		0.46	%
Loans 90 days past due		.73	%		.72	%		.65	%		.62	%		.49	%
Customer-related statistics (h):
Retail Banking checking relationships		5,040,000			5,148,000			5,134,000			2,402,000			2,400,000
Retail online banking active customers		2,682,000			2,676,000			2,636,000			1,215,000			1,193,000
Retail online bill payment active customers		753,000			744,000			726,000			379,000			364,000
Brokerage statistics:
Financial consultants (i)		655			658			658			414			402
Full service brokerage offices		42			42			43			23			23
Brokerage account assets (billions)	$	30		$	28		$	26		$	15		$	16
Managed credit card loans:
Loans held in portfolio	$	2,476		$	2,202		$	2,091		$	330		$	286
Loans securitized		1,654			1,824			1,824
Total managed credit card loans	$	4,130		$	4,026		$	3,915		$	330		$	286
Net charge-offs:
Securitized credit card loans	$	33		$	37		$	31								$	101
Managed credit card loans	$	86		$	87		$	80		$	4		$	2		$	253		$	7

Net charge-offs as a % of average loans (annualized):
Securitized credit card loans		6.78	%		8.14	%		6.89	%								7.26	%
Managed credit card loans		8.34	%		8.79	%		8.25	%		5.23	%		2.96	%		8.46	%		3.73	%

(a)	Includes the impact of National City, which we acquired on December 31, 2008.

(b)	Information as of and for the three months ended September 30, 2009 reflects the impact of the required divestiture of 61 branches that was completed by early September 2009.

(c)	Presented as of period-end, except for net charge-offs and annualized net charge-off ratios, which are for the three months and nine months ended.

(d)	These are purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.

(e)	Excludes certain satellite branches that provide limited products and/or services.

(f)	Includes loans from acquired portfolios for which lien position and loan-to-value information is not available.

(g)	Represents the most recent FICO scores we have on file.

(h)	Amounts for the 2009 periods presented include the impact of National City prior to application system conversions. These amounts may be refined subsequent to system conversions.

(i)	Financial consultants provide services in full service brokerage offices and PNC traditional branches.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 15

Corporate & Institutional Banking (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2009 (b)			June 30 2009 (b)			March 31 2009 (b)			December 31 2008			September 30 2008			September 30 2009 (b)			September 30 2008
INCOME STATEMENT
Net interest income	$	915		$	886		$	1,023		$	366		$	325		$	2,824		$	957
Noninterest income
Corporate service fees		226			236			218			128			169			680			455
Other		175			161			49			37			(51	)		385			(84	)
Noninterest income		401			397			267			165			118			1,065			371
Total revenue		1,316			1,283			1,290			531			443			3,889			1,328
Provision for credit losses		426			649			287			381			51			1,362			194
Noninterest expense		459			467			430			237			250			1,356			707
Pretax earnings (loss)		431			167			573			(87	)		142			1,171			427
Income taxes (benefit)		148			60			214			(32	)		52			422			156
Earnings (loss)	$	283		$	107		$	359		$	(55	)	$	90		$	749		$	271
AVERAGE BALANCE SHEET
Loans
Corporate	$	39,394		$	42,771		$	45,522		$	21,685		$	20,634		$	42,540		$	20,020
Commercial real estate		15,309			15,730			15,646			6,043			5,767			15,560			5,430
Commercial - real estate related		3,622			3,884			4,267			3,233			3,085			3,922			2,987
Asset-based lending		5,918			6,401			7,021			5,556			5,321			6,443			5,179
Equipment lease financing		5,260			5,380			5,554			1,586			1,515			5,397			1,447
Total loans		69,503			74,166			78,010			38,103			36,322			73,862			35,063
Goodwill and other intangible assets		3,704			3,512			3,376			3,210			3,172			3,532			3,128
Loans held for sale		1,578			1,893			1,714			1,701			1,897			1,728			2,172
Other assets		6,446			7,332			8,029			6,717			5,688			7,263			5,786
Total assets	$	81,231		$	86,903		$	91,129		$	49,731		$	47,079		$	86,385		$	46,149
Deposits
Noninterest-bearing demand	$	20,392		$	18,732		$	17,108		$	9,138		$	8,204		$	18,756		$	8,136
Money market		10,714			9,514			7,949			6,059			5,905			9,402			5,736
Other		8,009			7,501			7,391			3,582			3,152			7,636			2,977
Total deposits		39,115			35,747			32,448			18,779			17,261			35,794			16,849
Other liabilities		8,358			9,701			10,024			6,038			5,045			9,355			5,128
Capital		7,922			7,816			7,690			3,388			3,188			7,811			2,986
Total liabilities and equity	$	55,395		$	53,264		$	50,162		$	28,205		$	25,494		$	52,960		$	24,963
PERFORMANCE RATIOS
Return on average capital		14	%		5	%		19	%		(6	) %		11	%		13	%		12	%
Noninterest income to total revenue		30			32			21			31			27			27			28
Efficiency		35			37			33			45			56			35			53
COMMERCIAL MORTGAGE
SERVICING PORTFOLIO (in billions)
Beginning of period	$	269		$	269		$	270		$	247		$	248		$	270		$	243
Acquisitions/additions		15			11			5			28			7			31			23
Repayments/transfers		(9	)		(11	)		(6	)		(5	)		(8	)		(26	)		(19	)
End of period	$	275		$	269		$	269		$	270		$	247		$	275		$	247
OTHER INFORMATION
Consolidated revenue from: (c)
Treasury Management	$	281		$	284		$	276		$	152		$	141		$	840		$	415
Capital Markets	$	155		$	148		$	43		$	76		$	80		$	346		$	260
Commercial mortgage loans held for sale (d)	$	53		$	63		$	22		$	35		$	(56	)	$	138		$	(150	)
Commercial mortgage loan servicing (e)		66			76			72			19			55			214			161
Commercial mortgage banking activities	$	119		$	139		$	94		$	54		$	(1	)	$	352		$	11
Total loans (f)	$	68,352		$	71,077		$	75,886		$	38,063		$	37,395
Nonperforming assets (f)	$	2,992		$	2,317		$	1,862		$	1,173		$	640
Impaired loans (f) (g)	$	1,482		$	1,601		$	1,757		$	1,816
Net charge-offs	$	222		$	322		$	167		$	116		$	69		$	711		$	151
Net carrying amount of commercial mortgage servicing rights (f)	$	897		$	895		$	874		$	654		$	698

(a)	See note (a) on page 12.

(b)	Includes the impact of National City, which we acquired on December 31, 2008.

(c)	Represents consolidated PNC amounts.

(d)	Includes valuations on commercial mortgage loans held for sale and related commitments, derivative valuations, origination fees, gains on sale of loans held for sale and net interest income on loans held for sale.

(e)	Includes net interest income and noninterest income from loan servicing and ancillary services.

(f)	Presented as of period end. Amounts at December 31, 2008 do not include the impact of National City, except purchased impaired loans.

(g)	Includes purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 16

Asset Management Group (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2009 (b)			June 30 2009 (b)			March 31 2009 (b)			December 31 2008			September 30 2008			September 30 2009 (b)			September 30 2008
INCOME STATEMENT
Net interest income	$	70		$	75		$	96		$	35		$	32		$	241		$	95
Noninterest income		155			151			154			93			109			460			336
Total revenue		225			226			250			128			141			701			431
Provision for credit losses		9			46			17			4						72			2
Noninterest expense		162			167			170			89			99			499			274
Pretax earnings		54			13			63			35			42			130			155
Income taxes		19			5			24			13			16			48			58
Earnings	$	35		$	8		$	39		$	22		$	26		$	82		$	97
AVERAGE BALANCE SHEET
Loans
Consumer	$	3,997		$	3,936		$	3,851		$	2,289		$	2,209		$	3,929		$	2,085
Commercial and commercial real estate		1,601			1,714			1,761			588			582			1,691			574
Residential mortgage		1,046			1,114			1,153			65			66			1,104			66
Total loans		6,644			6,764			6,765			2,942			2,857			6,724			2,725
Goodwill and other intangible assets		418			390			404			33			40			404			41
Other assets		219			273			288			164			193			260			189
Total assets	$	7,281		$	7,427		$	7,457		$	3,139		$	3,090		$	7,388		$	2,955
Deposits
Noninterest-bearing demand	$	993		$	988		$	1,260		$	788		$	1,039		$	1,079		$	882
Interest-bearing demand		1,544			1,563			1,544			728			661			1,551			691
Money market		3,154			3,217			3,330			2,123			1,942			3,233			1,765
Total transaction deposits		5,691			5,768			6,134			3,639			3,642			5,863			3,338
Certificates of deposit and other		1,013			1,088			1,289			683			746			1,129			557
Total deposits		6,704			6,856			7,423			4,322			4,388			6,992			3,895
Other liabilities		106			104			117			11			12			109			14
Capital		612			580			576			271			271			589			249
Total liabilities and equity	$	7,422		$	7,540		$	8,116		$	4,604		$	4,671		$	7,690		$	4,158
PERFORMANCE RATIOS
Return on average capital		23	%		6	%		27	%		32	%		38	%		19	%		52	%
Noninterest income to total revenue		69			67			62			73			77			66			78
Efficiency		72			74			68			70			70			71			64
OTHER INFORMATION
Total nonperforming assets (c)	$	129		$	108		$	68		$	5		$	3
Impaired loans (c) (d)	$	206		$	221		$	223		$	225
Total net charge-offs	$	9		$	21		$	11					$	1		$	41		$	2

ASSETS UNDER ADMINISTRATION (in billions) (c) (e)
Assets under management
Personal	$	66		$	62		$	59		$	38		$	44
Institutional		38			36			37			19			20
Total	$	104		$	98		$	96		$	57		$	64
Asset Type
Equity	$	47		$	42		$	38		$	26		$	34
Fixed income		34			32			32			19			18
Liquidity/Other		23			24			26			12			12
Total	$	104		$	98		$	96		$	57		$	64
Nondiscretionary assets under administration
Personal	$	27		$	26		$	26		$	23		$	28
Institutional		86			98			94			64			77
Total	$	113		$	124		$	120		$	87		$	105
Asset Type
Equity	$	51		$	46		$	41		$	34		$	43
Fixed income		22			25			25			19			25
Liquidity/Other		40			53			54			34			37
Total	$	113		$	124		$	120		$	87		$	105

(a)	See note (a) on page 12. Amounts for the 2008 periods reflect the legacy PNC wealth management business previously included in Retail Banking.

(b)	Includes the impact of National City, which we acquired on December 31, 2008.

(c)	As of period-end.

(d)	These are purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.

(e)	Excludes brokerage account assets.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 17

Residential Mortgage Banking (Unaudited) (a)


	Three months ended									Nine months ended
Dollars in millions, except as noted	September 30 2009			June 30 2009			March 31 2009			September 30 2009
INCOME STATEMENT
Net interest income	$	83		$	87		$	91		$	261
Noninterest income
Loan servicing revenue
Servicing fees		70			42			59			171
Net MSR hedging gains		60			58			202			320
Loan sales revenue		83			151			175			409
Other		(4	)		(6	)		1			(9	)
Total noninterest income		209			245			437			891
Total revenue		292			332			528			1,152
Provision for (recoveries of) credit losses		4			8			(9	)		3
Noninterest expense		141			176			173			490
Pretax earnings		147			148			364			659
Income taxes		56			56			137			249
Earnings	$	91		$	92		$	227		$	410
AVERAGE BALANCE SHEET
Portfolio loans	$	2,071		$	1,834		$	1,430		$	1,780
Loans held for sale		2,042			2,766			2,693			2,498
Mortgage servicing rights		1,443			1,343			1,164			1,318
Other assets		3,483			2,648			1,932			2,693
Total assets	$	9,039		$	8,591		$	7,219		$	8,289
Deposits and borrowings	$	6,119		$	5,899		$	4,760		$	5,598
Other liabilities		1,768			1,514			1,421			1,569
Capital		1,411			1,282			1,271			1,322
Total liabilities and equity	$	9,298		$	8,695		$	7,452		$	8,489
PERFORMANCE RATIOS
Return on average capital		26	%		29	%		72	%		41	%
Efficiency		48	%		53	%		33	%		43	%
OTHER INFORMATION
Servicing portfolio for others (in billions) (b)	$	158		$	161		$	168
Fixed rate		88	%		87	%		87	%
Adjustable rate/balloon		12	%		13	%		13	%
Weighted average interest rate		5.89	%		5.94	%		5.99	%
MSR capitalized value (in billions)	$	1.3		$	1.5		$	1.0
MSR capitalization value (in basis points)		81			90			62
Weighted average servicing fee (in basis points)		30			30			30
Loan origination volume (in billions)	$	3.6		$	6.4		$	6.9		$	16.9
Percentage of originations represented by:
Agency and government programs		97	%		98	%		97	%		97	%
Refinance volume		59	%		74	%		83	%		74	%
Total nonperforming assets (b)	$	343		$	285		$	267
Impaired loans (b) (c)	$	412		$	531		$	533

(a)	See note (a) on page 12.

(b)	As of period end.

(c)	These are purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 18

Global Investment Servicing (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2009			June 30 2009			March 31 2009			December 31 2008			September 30 2008			September 30 2009			September 30 2008
INCOME STATEMENT
Servicing revenue	$	200		$	199		$	205		$	222		$	243		$	604		$	725
Operating expense		168			170			175			174			187			513			554
Operating income		32			29			30			48			56			91			171
Debt financing		2			3			5			8			7			10			26
Nonoperating income (b)					(8	)		(10	)					1			(18	)		3
Pretax earnings		30			18			15			40			50			63			148
Income taxes		11			6			5			15			16			22			51
Earnings	$	19		$	12		$	10		$	25		$	34		$	41		$	97
PERIOD-END BALANCE SHEET
Goodwill and other intangible assets	$	1,289		$	1,294		$	1,297		$	1,301		$	1,306
Other assets		2,557			1,589			1,182			3,977			3,195
Total assets	$	3,846		$	2,883		$	2,479		$	5,278		$	4,501
Debt financing	$	770		$	792		$	825		$	850		$	885
Other liabilities		2,357			1,388			959			3,737			2,927
Shareholder’s equity		719			703			695			691			689
Total liabilities and equity	$	3,846		$	2,883		$	2,479		$	5,278		$	4,501
PERFORMANCE RATIOS
Return on average equity		11	%		7	%		6	%		14	%		20	%		8	%		20	%
Operating margin (c)		16			15			15			22			23			15			24
SERVICING STATISTICS (at period end)
Accounting/administration net fund assets (in billions) (d)
Domestic	$	719		$	699		$	645		$	764		$	806
Offshore		76			75			67			75			101
Total	$	795		$	774		$	712		$	839		$	907
Asset type (in billions) (d)
Money market	$	318		$	341		$	345		$	431		$	387
Equity		285			249			199			227			308
Fixed income		105			107			99			103			116
Other		87			77			69			78			96
Total	$	795		$	774		$	712		$	839		$	907
Custody fund assets (in billions)	$	427		$	399		$	361		$	379		$	415
Shareholder accounts (in millions)
Transfer agency		12			13			13			14			17
Subaccounting		68			62			62			58			56
Total		80			75			75			72			73

(a)	See note (a) on page 12.

(b)	Net of nonoperating expense.

(c)	Total operating income divided by servicing revenue.

(d)	Includes alternative investment net assets serviced.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 19

Distressed Assets Portfolio (Unaudited) (a)


	Three months ended									Nine months ended
Dollars in millions, except as noted	September 30 2009			June 30 2009			March 31 2009			September 30 2009
INCOME STATEMENT
Net interest income	$	235		$	295		$	331		$	861
Noninterest income		19			39			13			71
Total revenue		254			334			344			932
Provision for credit losses		127			30			259			416
Noninterest expense		62			55			80			197
Pretax earnings		65			249			5			319
Income taxes		26			94			2			122
Earnings	$	39		$	155		$	3		$	197
AVERAGE BALANCE SHEET
Commercial lending:
Commercial	$	136		$	182		$	198		$	172
Commercial real estate:
Real estate projects		2,698			2,950			3,113			2,919
Commercial mortgage		117			112			93			107
Equipment lease financing		793			819			858			823
Total commercial lending		3,744			4,063			4,262			4,021
Consumer lending:
Consumer:
Home equity lines of credit		4,888			5,016			5,297			5,065
Home equity installment loans		1,877			2,052			2,553			2,159
Other consumer		12			15			10			12
Total consumer		6,777			7,083			7,860			7,236
Residential real estate:
Residential mortgage		8,744			8,983			9,231			8,985
Residential construction		1,151			1,782			1,954			1,626
Total residential real estate		9,895			10,765			11,185			10,611
Total consumer lending		16,672			17,848			19,045			17,847
Total portfolio loans		20,416			21,911			23,307			21,868
Other assets		1,910			1,867			1,509			1,764
Total assets	$	22,326		$	23,778		$	24,816		$	23,632
Deposits	$	32		$	49		$	45		$	42
Other liabilities		85			109			107			100
Capital		1,540			1,619			1,570			1,576
Total liabilities and equity	$	1,657		$	1,777		$	1,722		$	1,718
OTHER INFORMATION
Nonperforming assets (b)	$	1,473		$	1,391		$	933
Impaired loans (b) (c)	$	7,803		$	8,670		$	8,778
Net charge-offs	$	175		$	197		$	51		$	423
Net charge-offs as a percentage of portfolio loans (annualized)		3.40	%		3.61	%		.89	%		2.59	%

LOANS (in billions) (b)
Commercial
Residential development	$	3.2		$	3.6		$	3.5
Cross-border leases		.8			.8			.8
Consumer
Brokered home equity		6.6			6.9			7.1
Retail mortgages		5.4			5.8			6.4
Non-prime mortgages		1.7			1.9			2.0
Residential completed construction		1.3			1.3			.9
Residential construction		.7			.9			1.5
Total	$	19.7		$	21.2		$	22.2

(a)	See note (a) on page 12.

(b)	As of period end.

(c)	These are purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 20

Glossary of Terms

Accounting/administration net fund assets - Net domestic and foreign fund investment assets for which we provide accounting and administration services. We do not include these assets on our Consolidated Balance Sheet.

Accretable yield - The excess of a loan’s cash flows expected to be collected over the carrying value of the loan. The accretable yield is recognized in interest income over the remaining life of the loan using the constant effective yield method.

Adjusted average total assets - Primarily comprised of total average quarterly (or annual) assets plus (less) unrealized losses (gains) on investment securities, less goodwill and certain other intangible assets (net of eligible deferred taxes).

Annualized - Adjusted to reflect a full year of activity.

Assets under management - Assets over which we have sole or shared investment authority for our customers/clients. We do not include these assets on our Consolidated Balance Sheet.

Basis point - One hundredth of a percentage point.

Charge-off - Process of removing a loan or portion of a loan from our balance sheet because it is considered uncollectible. We also record a charge-off when a loan is transferred to held for sale by reducing the loan carrying amount to the fair value of the loan.

Common shareholders’ equity to total assets - Common shareholders’ equity divided by total assets. Common shareholders’ equity equals total shareholders’ equity less the liquidation value of preferred stock.

Credit spread - The difference in yield between debt issues of similar maturity. The excess of yield attributable to credit spread is often used as a measure of relative creditworthiness, with a reduction in the credit spread reflecting an improvement in the borrower’s perceived creditworthiness.

Custody assets - Investment assets held on behalf of clients under safekeeping arrangements. We do not include these assets on our Consolidated Balance Sheet. Investment assets held in custody at other institutions on our behalf are included in the appropriate asset categories on the Consolidated Balance Sheet as if physically held by us.

Derivatives - Financial contracts whose value is derived from publicly traded securities, interest rates, currency exchange rates or market indices. Derivatives cover a wide assortment of financial contracts, including forward contracts, futures, options and swaps.

Duration of equity - An estimate of the rate sensitivity of our economic value of equity. A negative duration of equity is associated with asset sensitivity (i.e., positioned for rising interest rates), while a positive value implies liability sensitivity (i.e., positioned for declining interest rates). For example, if the duration of equity is +1.5 years, the economic value of equity declines by 1.5% for each 100 basis point increase in interest rates.

Earning assets - Assets that generate income, which include: Federal funds sold; resale agreements; trading securities; interest-earning deposits with banks; other short-term investments; loans held for sale; loans; investment securities; and certain other assets.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 21

Economic capital - Represents the amount of resources that a business segment should hold to guard against potentially large losses that could cause insolvency. It is based on a measurement of economic risk, as opposed to risk as defined by regulatory bodies. The economic capital measurement process involves converting a risk distribution to the capital that is required to support the risk, consistent with our target credit rating. As such, economic risk serves as a “common currency” of risk that allows us to compare different risks on a similar basis.

Effective duration - A measurement, expressed in years, that, when multiplied by a change in interest rates, would approximate the percentage change in value of on- and off- balance sheet positions.

Efficiency - Noninterest expense divided by the sum of net interest income (GAAP basis) and noninterest income.

Fair value - The price that would be received to sell an asset or the price that would be paid to transfer a liability on the measurement date using the principal or most advantageous market for the asset or liability in an orderly transaction between willing market participants.

Funds transfer pricing - A management accounting methodology designed to recognize the net interest income effects of sources and uses of funds provided by the assets and liabilities of a business segment. We assign these balances LIBOR-based funding rates at origination that represent the interest cost for us to raise/invest funds with similar maturity and repricing structures.

Futures and forward contracts - Contracts in which the buyer agrees to purchase and the seller agrees to deliver a specific financial instrument at a predetermined price or yield. May be settled either in cash or by delivery of the underlying financial instrument.

GAAP - Accounting principles generally accepted in the United States of America.

Investment securities - Collectively, securities available for sale and securities held to maturity.

Leverage ratio - Tier 1 risk-based capital divided by adjusted average total assets.

LIBOR - Acronym for London InterBank Offered Rate. LIBOR is the average interest rate charged when banks in the London wholesale money market (or interbank market) borrow unsecured funds from each other. LIBOR rates are used as a benchmark for interest rates on a global basis.

Net interest income from loans and deposits - A management accounting assessment, using funds transfer pricing methodology, of the net interest contribution from loans and deposits.

Net interest margin - Annualized taxable-equivalent net interest income divided by average earning assets.

Nondiscretionary assets under administration - Assets we hold for our customers/clients in a non-discretionary, custodial capacity. We do not include these assets on our Consolidated Balance Sheet.

Noninterest income to total revenue - Noninterest income divided by the sum of net interest income (GAAP basis) and noninterest income.

Nonperforming assets - Nonperforming assets include nonaccrual loans, troubled debt restructured loans, foreclosed assets and other assets. We do not accrue interest income on assets classified as nonperforming.

Nonperforming loans - Nonperforming loans include loans to commercial, commercial real estate, equipment lease financing, consumer, and residential mortgage customers and construction customers as well as troubled debt restructured loans. Nonperforming loans do not include loans held for sale or foreclosed and other assets. We do not accrue interest income on loans classified as nonperforming.

Notional amount - A number of currency units, shares, or other units specified in a derivatives contract.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 22

Operating leverage - The period to period dollar or percentage change in total revenue (GAAP basis) less the dollar or percentage change in noninterest expense. A positive variance indicates that revenue growth exceeded expense growth (i.e., positive operating leverage) while a negative variance implies expense growth exceeded revenue growth (i.e., negative operating leverage).

Other-than-temporary impairment (OTTI) - When the fair value of a debt security is less than its amortized cost basis, an assessment is performed to determine whether the impairment is other-than-temporary. If we intend to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, an other-than-temporary impairment is considered to have occurred. In such cases, an other-than-temporary impairment is recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. Further, if we do not expect to recover the entire amortized cost of the security, an other-than-temporary impairment is considered to have occurred. However, if we do not intend to sell the security and it is not more likely that we will be required to sell the security before its recovery, the other-than-temporary loss is separated into (a) the amount representing the credit loss, and (b) the amount related to all other factors. The other-than-temporary impairment related to credit losses is recognized in earnings while the amount related to all other factors is recognized in other comprehensive income, net of tax.

Pretax, pre-provision earnings - Total revenue less noninterest expense.

Purchase accounting accretion - Accretion of the discounts and premiums on acquired assets and liabilities. The purchase accounting accretion is recognized in net interest income over the weighted average life of the financial instruments using the constant effective yield method.

Purchased impaired loans - Acquired loans determined to be credit impaired. Loans are determined to be impaired if there is evidence of credit deterioration since origination and for which it is probable that all contractually required payments will not be collected.

Recorded investment - The initial investment of a purchased impaired loan plus interest accretion and less any cash payments and writedowns. The recorded investment excludes any valuation allowance which is included in our allowance for loan and lease losses.

Recovery - Cash proceeds received on a loan that we had previously charged off. We credit the amount received to the allowance for loan and lease losses.

Residential development loans - Project-specific loans to commercial customers for the construction or development of residential real estate including land, single family homes, condominiums and other residential properties. This would exclude loans to commercial customers where proceeds are for general corporate purposes whether or not such facilities are secured.

Residential mortgage servicing rights hedge gains / (losses), net - We have elected to measure acquired or originated residential mortgage servicing rights (MSRs) at fair value under GAAP. We employ a risk management strategy designed to protect the economic value of MSRs from changes in interest rates. This strategy utilizes securities and a portfolio of derivative instruments to hedge changes in the fair value of MSRs arising from changes in interest rates. These financial instruments are expected to have changes in fair value which are negatively correlated to the change in fair value of the MSR portfolio. Net MSR hedge gains/(losses) represent the change in the fair value of MSRs, exclusive of changes due to time decay and payoffs, combined with the change in the fair value of the associated derivative instruments.

Return on average assets - Annualized net income divided by average assets.

Return on average capital - Annualized net income divided by average capital.

Return on average common shareholders’ equity - Annualized net income less preferred stock dividends, including preferred stock discount accretion, divided by average common shareholders’ equity.


THE PNC FINANCIAL SERVICES GROUP, INC.		Page 23

Risk-weighted assets - Computed by the assignment of specific risk-weights (as defined by the Board of Governors of the Federal Reserve System) to assets and off-balance sheet instruments.

Securitization - The process of legally transforming financial assets into securities.

Servicing rights - An intangible asset or liability created by an obligation to service assets for others. Typical servicing rights include the right to receive a fee for collecting and forwarding payments on loans and related taxes and insurance premiums held in escrow.

Taxable-equivalent interest - The interest income earned on certain assets is completely or partially exempt from federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments. To provide more meaningful comparisons of yields and margins for all interest-earning assets, we use interest income on a taxable-equivalent basis in calculating average yields and net interest margins by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on other taxable investments. This adjustment is not permitted under GAAP on the Consolidated Income Statement.

Tier 1 common capital - Tier 1 risk-based capital, less preferred equity, less trust preferred capital securities, and less noncontrolling interests.

Tier 1 common capital ratio - Tier 1 common capital divided by period-end risk-weighted assets.

Tier 1 risk-based capital - Total shareholders’ equity, plus trust preferred capital securities, plus certain noncontrolling interests that are held by others; less goodwill and certain other intangible assets (net of eligible deferred taxes relating to taxable and nontaxable combinations), less equity investments in nonfinancial companies less ineligible servicing assets and less net unrealized holding losses on available for sale equity securities. Net unrealized holding gains on available for sale equity securities, net unrealized holding gains (losses) on available for sale debt securities and net unrealized holding gains (losses) on cash flow hedge derivatives are excluded from total shareholders’ equity for Tier 1 risk-based capital purposes.

Tier 1 risk-based capital ratio - Tier 1 risk-based capital divided by period-end risk-weighted assets.

Total equity - Total shareholders’ equity less noncontrolling interests.

Total fund assets serviced - Total domestic and offshore fund investment assets for which we provide related processing services. We do not include these assets on our Consolidated Balance Sheet.

Total risk-based capital - Tier 1 risk-based capital plus qualifying subordinated debt and trust preferred securities, other noncontrolling interest not qualified as Tier 1, eligible gains on available for sale equity securities and the allowance for loan and lease losses, subject to certain limitations.

Total risk-based capital ratio - Total risk-based capital divided by period-end risk-weighted assets.

Transaction deposits - The sum of money market and interest-bearing demand deposits and demand and other noninterest-bearing deposits.

Troubled debt restructuring - A restructuring of debt whereby the lender for economic or legal reasons related to the borrower’s financial difficulties grants a concession to the borrower that it would not otherwise consider.

Yield curve - A graph showing the relationship between the yields on financial instruments or market indices of the same credit quality with different maturities. For example, a “normal” or “positive” yield curve exists when long-term bonds have higher yields than short-term bonds. A “flat” yield curve exists when yields are the same for short-term and long-term bonds. A “steep” yield curve exists when yields on long-term bonds are significantly higher than on short-term bonds. An “inverted” or “negative” yield curve exists when short-term bonds have higher yields than long-term bonds.