Financial Supplement (unaudited) for Third Quarter 2010

Exhibit 99.1

LOGO

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2010

(UNAUDITED)

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2010

(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
Accretion		7
Accruing Loans Past Due		8
Allowances for Credit Losses		9
Net Unfunded Commitments		9
Nonperforming Assets		10-11
Business Segment Results:
Business Segment Descriptions		12
Summary of Income and Revenue		13
Period-end Employees		13
Retail Banking		14-15
Corporate & Institutional Banking		16
Asset Management Group		17
Residential Mortgage Banking		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 21, 2010. We have reclassified certain prior period amounts to be consistent with the current period presentation, which we believe is more meaningful to readers of our consolidated financial statements. 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.

BUSINESS

PNC is one of the largest diversified financial services companies in the United States and is headquartered in Pittsburgh, Pennsylvania. PNC has businesses engaged in retail banking, corporate and institutional banking, asset management, and residential mortgage banking, providing many of its products and services nationally and others in PNC’s primary geographic markets located in Pennsylvania, Ohio, New Jersey, Michigan, Maryland, Illinois, Indiana, Kentucky, Florida, Virginia, Missouri, Delaware, Washington, D.C., and Wisconsin. PNC also provides certain products and services internationally.

SALE OF PNC GLOBAL INVESTMENT SERVICING

On July 1, 2010, we sold PNC Global Investment Servicing Inc. (GIS), a leading provider of processing, technology and business intelligence services to asset managers, broker-dealers and financial advisors worldwide, for $2.3 billion in cash pursuant to a definitive agreement entered into on February 2, 2010. The third quarter 2010 gain related to this sale was $639 million, or $328 million after-taxes. Results of operations of GIS, including the related after-tax gain on sale in the third quarter of 2010, are presented as income from discontinued operations, net of income taxes, on our Consolidated Income Statement for all periods presented. Once we entered into the sales agreement, GIS was no longer a reportable business segment.

THE PNC FINANCIAL SERVICES GROUP, INC.

Consolidated Income Statement (Unaudited)


	Three months ended															Nine months ended
In millions, except per share data	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009			September 30 2010			September 30 2009
Interest Income
Loans	$	1,996		$	2,158		$	2,160		$	2,160		$	2,091		$	6,314		$	6,759
Investment securities		592			572			623			643			684			1,787			2,045
Other		113			143			122			136			113			378			343

Total interest income		2,701			2,873			2,905			2,939			2,888			8,479			9,147

Interest Expense
Deposits		233			244			281			334			387			758			1,407
Borrowed funds		253			194			245			259			277			692			1,003

Total interest expense		486			438			526			593			664			1,450			2,410

Net interest income		2,215			2,435			2,379			2,346			2,224			7,029			6,737

Noninterest Income
Asset management		249			243			259			219			242			751			639
Consumer services		328			315			296			315			330			939			975
Corporate services		183			261			268			260			252			712			761
Residential mortgage		216			179			147			107			207			542			883
Service charges on deposits		164			209			200			236			248			573			714
Net gains on sales of securities		121			147			90			144			168			358			406
Net other-than-temporary impairments		(71	)		(94	)		(116	)		(144	)		(129	)		(281	)		(433	)
Gain on BlackRock/BGI transaction (a)											1,076
Other		193			217			240			327			311			650			660

Total noninterest income		1,383			1,477			1,384			2,540			1,629			4,244			4,605

Total revenue		3,598			3,912			3,763			4,886			3,853			11,273			11,342
Provision For Credit Losses		486			823			751			1,049			914			2,060			2,881
Noninterest Expense
Personnel		959			959			956			969			1,068			2,874			3,150
Occupancy		177			172			187			180			172			536			533
Equipment		152			168			172			173			170			492			522
Marketing		81			65			50			59			58			196			174
Other		789			638			748			828			746			2,175			2,485

Total noninterest expense		2,158			2,002			2,113			2,209			2,214			6,273			6,864

Income from continuing operations before income taxes and noncontrolling interests		954			1,087			899			1,628			725			2,940			1,597
Income taxes		179			306			251			525			185			736			342

Income from continuing operations before noncontrolling interests		775			781			648			1,103			540			2,204			1,255
Income from discontinued operations (net of income taxes of $311, $13, $14, $32, $11, $338, and $22) (b)		328			22			23			4			19			373			41

Net income		1,103			803			671			1,107			559			2,577			1,296

Less: Net income (loss) attributable to noncontrolling interests		2			(9	)		(5	)		(37	)		(20	)		(12	)		(7	)
Preferred stock dividends		4			25			93			119			99			122			269
Preferred stock discount accretion and redemptions		3			1			250			14			13			254			42

Net income attributable to common shareholders	$	1,094		$	786		$	333		$	1,011		$	467		$	2,213		$	992

Basic Earnings Per Common Share
Continuing operations	$	1.45		$	1.45		$	.62		$	2.18		$	.97		$	3.56		$	2.10
Discontinued operations		.63			.04			.05			.01			.04			.72			.09

Net income	$	2.08		$	1.49		$	.67		$	2.19		$	1.01		$	4.28		$	2.19
Diluted Earnings Per Common Share
Continuing operations	$	1.45		$	1.43		$	.61		$	2.16		$	.96		$	3.52		$	2.08
Discontinued operations		.62			.04			.05			.01			.04			.72			.09

Net income	$	2.07		$	1.47		$	.66		$	2.17		$	1.00		$	4.24		$	2.17
Average Common Shares Outstanding
Basic		523			524			498			460			460			515			451
Diluted		526			527			500			462			461			518			452

Efficiency		60	%		51	%		56	%		45	%		57	%		56	%		61	%

Noninterest income to total revenue		38	%		38	%		37	%		52	%		42	%		38	%		41	%

Effective tax rate (c)		18.8	%		28.2	%		27.9	%		32.2	%		25.5	%		25.0	%		21.4	%

(a)

The after-tax impact to net income was $687 million for the fourth quarter of 2009. The earnings per diluted share impact was $1.49 for the fourth quarter of 2009. BlackRock/BGI transaction refers to BlackRock's acquisition of Barclays Global Investors in exchange for cash and BlackRock common and participating preferred stock on December 1, 2009.

(b)

Includes results of operations for GIS and the related after-tax gain on sale. We sold GIS effective July 1, 2010, resulting in a gain of $639 million, or $328 million after taxes, recognized during the third quarter of 2010. The earnings per diluted share impact of the gain on sale was $.62 for the third quarter of 2010 and $.63 for the nine months ended September 30, 2010.

(c)

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 lower effective tax rate for the third quarter of 2010 was primarily the result of receiving a favorable IRS letter ruling in July 2010 that resolved a prior tax position and resulted in a tax benefit of $89 million. The higher effective tax rate for the fourth quarter of 2009 resulted from the gain on the BlackRock/BGI transaction.

Page 1

THE PNC FINANCIAL SERVICES GROUP, INC.

Consolidated Balance Sheet (Unaudited)


In millions, except par value	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009
Assets
Cash and due from banks (a)	$	3,724		$	3,558		$	3,563		$	4,288		$	3,426
Federal funds sold and resale agreements (b)		2,094			2,209			1,367			2,390			2,427
Trading securities		955			882			1,595			2,124			2,075
Interest-earning deposits with banks (a)		415			5,028			607			4,488			1,129
Loans held for sale (b)		3,275			2,756			2,691			2,539			3,509
Investment securities (a)		63,461			53,717			57,606			56,027			54,413
Loans (a) (b)		150,127			154,342			157,266			157,543			160,608
Allowance for loan and lease losses (a)		(5,231	)		(5,336	)		(5,319	)		(5,072	)		(4,810	)

Net loans		144,896			149,006			151,947			152,471			155,798
Goodwill		8,166			9,410			9,425			9,505			9,286
Other intangible assets		2,352			2,728			3,289			3,404			3,448
Equity investments (a)		10,137			10,159			10,256			10,254			8,684
Other (a) (b)		20,658			22,242			23,050			22,373			27,212

Total assets	$	260,133		$	261,695		$	265,396		$	269,863		$	271,407

Liabilities
Deposits
Noninterest-bearing	$	46,065		$	44,312		$	43,122		$	44,384		$	43,025
Interest-bearing		133,118			134,487			139,401			142,538			140,784

Total deposits		179,183			178,799			182,523			186,922			183,809
Borrowed funds
Federal funds purchased and repurchase agreements		4,661			3,690			5,511			3,998			3,996
Federal Home Loan Bank borrowings		7,106			8,119			8,700			10,761			11,953
Bank notes and senior debt		13,508			12,617			12,638			12,362			12,424
Subordinated debt		10,023			10,184			10,001			9,907			10,501
Other (a)		4,465			5,817			5,611			2,233			3,036

Total borrowed funds		39,763			40,427			42,461			39,261			41,910
Allowance for unfunded loan commitments and letters of credit		193			218			252			296			324
Accrued expenses (a)		3,134			2,757			2,939			3,590			3,592
Other (a)		5,194			8,504			7,787			7,227			10,109

Total liabilities		227,467			230,705			235,962			237,296			239,744

Equity
Preferred stock (c)
Common stock - $5 par value
Authorized 800 shares, issued 536, 535, 535, 471, and 469 shares		2,680			2,678			2,676			2,354			2,348
Capital surplus - preferred stock		646			646			645			7,974			7,960
Capital surplus - common stock and other		12,008			11,979			11,945			8,945			8,860
Retained earnings		15,114			14,073			13,340			13,144			12,179
Accumulated other comprehensive income (loss)		146			(442	)		(1,288	)		(1,962	)		(1,947	)
Common stock held in treasury at cost: 10, 10, 9, 9, and 8 shares		(552	)		(557	)		(500	)		(513	)		(472	)

Total shareholders’ equity		30,042			28,377			26,818			29,942			28,928
Noncontrolling interests		2,624			2,613			2,616			2,625			2,735

Total equity		32,666			30,990			29,434			32,567			31,663

Total liabilities and equity	$	260,133		$	261,695		$	265,396		$	269,863		$	271,407

Capital Ratios
Tier 1 risk-based (d)		11.9	%		10.7	%		10.3	%		11.4	%		10.9	%
Tier 1 common (d)		9.6			8.3			7.9			6.0			5.5
Total risk-based (d)		15.6			14.3			13.9			15.0			14.5
Leverage (d)		10.0			9.1			8.8			10.1			9.6
Common shareholders' equity to assets		11.3			10.6			10.0			8.2			7.7

(a)

Amounts include consolidated variable interest entities. Some 2010 amounts include consolidated variable interest entities that we consolidated effective January 1, 2010 based on guidance in ASC 810, Consolidation. Our third quarter 2010 Form 10-Q will include additional information regarding these Consolidated Balance Sheet line items.

(b)	Amounts include items for which PNC has elected the fair value option. Our third quarter 2010 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)	The ratio as of September 30, 2010 is estimated.

Page 2

THE PNC FINANCIAL SERVICES GROUP, INC.

Average Consolidated Balance Sheet (Unaudited)


	Three months ended															Nine months ended
In millions	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009			September 30 2010			September 30 2009
Assets
Interest-earning assets:
Investment securities
Securities available for sale
Residential mortgage-backed
Agency	$	22,916		$	20,382		$	21,926		$	22,663		$	20,838		$	21,745		$	21,628
Non-agency		8,917			9,358			10,213			10,788			11,553			9,491			12,399
Commercial mortgage-backed		3,100			2,962			5,357			5,053			5,052			3,798			4,645
Asset-backed		2,436			1,695			1,992			1,927			1,911			2,043			1,975
US Treasury and government agencies		7,758			8,708			7,493			6,403			6,026			7,987			3,829
State and municipal		1,323			1,356			1,365			1,346			1,367			1,348			1,356
Other debt		3,092			2,526			1,874			1,948			1,647			2,502			1,118
Corporate stocks and other		472			446			457			362			388			458			410

Total securities available for sale		50,014			47,433			50,677			50,490			48,782			49,372			47,360
Securities held to maturity
Commercial mortgage-backed		4,130			4,264			2,110			2,006			1,987			3,509			1,985
Asset-backed		3,435			3,697			3,665			2,849			2,197			3,598			1,827
Other		9			21			160			159			102			63			41

Total securities held to maturity		7,574			7,982			5,935			5,014			4,286			7,170			3,853

Total investment securities		57,588			55,415			56,612			55,504			53,068			56,542			51,213
Loans
Commercial		53,502			54,349			55,464			55,633			58,457			54,431			63,054
Commercial real estate		19,847			20,963			22,423			23,592			24,491			21,068			25,173
Equipment lease financing		6,514			6,080			6,131			6,164			6,045			6,243			6,213
Consumer		55,036			54,939			55,349			52,911			52,066			55,107			52,185
Residential mortgage		16,766			18,576			19,397			19,891			20,847			18,237			21,529

Total loans		151,665			154,907			158,764			158,191			161,906			155,086			168,154
Loans held for sale		3,021			2,646			2,476			2,949			3,696			2,716			4,322
Federal funds sold and resale agreements		1,602			2,193			1,669			1,700			2,417			1,821			1,921
Other		9,801			9,419			7,471			12,654			14,607			8,906			15,400

Total interest-earning assets		223,677			224,580			226,992			230,998			235,694			225,071			241,010
Noninterest-earning assets:
Allowance for loan and lease losses		(5,290	)		(5,113	)		(5,136	)		(4,517	)		(4,264	)		(5,180	)		(4,248	)
Cash and due from banks		3,436			3,595			3,735			3,657			3,547			3,587			3,645
Other		42,756			41,304			41,557			41,740			39,071			41,877			38,153

Total assets	$	264,579		$	264,366		$	267,148		$	271,878		$	274,048		$	265,355		$	278,560

Page 3

THE PNC FINANCIAL SERVICES GROUP, INC.

Average Consolidated Balance Sheet (Unaudited) (Continued)


	Three months ended										Nine months ended
In millions	September 30 2010		June 30 2010		March 31 2010		December 31 2009		September 30 2009		September 30 2010		September 30 2009
Liabilities and Equity
Interest-bearing liabilities:
Interest-bearing deposits
Money market	$	58,016	$	58,679	$	57,923	$	56,298	$	56,662	$	58,206	$	54,999
Demand		25,078		24,953		24,672		24,223		23,874		24,903		23,225
Savings		7,092		7,075		6,623		6,381		6,652		6,932		6,534
Retail certificates of deposit		41,724		43,745		47,162		49,645		53,468		44,190		56,249
Other time		740		881		1,039		1,389		2,841		885		6,228
Time deposits in foreign offices		2,650		2,661		3,034		4,013		3,356		2,781		3,510

Total interest-bearing deposits		135,300		137,994		140,453		141,949		146,853		137,897		150,745
Borrowed funds
Federal funds purchased and repurchase agreements		4,179		4,159		4,344		4,046		4,422		4,227		4,571
Federal Home Loan Bank borrowings		7,680		8,575		9,603		10,880		12,996		8,612		15,288
Bank notes and senior debt		12,799		12,666		12,616		12,327		12,542		12,694		13,202
Subordinated debt		9,569		9,764		9,769		9,879		10,214		9,700		10,297
Other		4,886		6,005		5,934		2,448		2,806		5,604		2,310

Total borrowed funds		39,113		41,169		42,266		39,580		42,980		40,837		45,668

Total interest-bearing liabilities		174,413		179,163		182,719		181,529		189,833		178,734		196,413
Noninterest-bearing liabilities and equity:
Noninterest-bearing deposits		45,306		44,308		42,631		44,325		41,816		44,092		40,436
Allowance for unfunded loan commitments and letters of credit		218		251		295		324		319		255		330
Accrued expenses and other liabilities		12,687		10,446		10,401		13,353		11,489		11,186		11,782
Equity		31,955		30,198		31,102		32,347		30,591		31,088		29,599

Total liabilities and equity	$	264,579	$	264,366	$	267,148	$	271,878	$	274,048	$	265,355	$	278,560


Supplemental Average Balance Sheet Information (Unaudited)

Deposits and Common Shareholders’ Equity
Interest-bearing deposits	$	135,300	$	137,994	$	140,453	$	141,949	$	146,853	$	137,897	$	150,745
Noninterest-bearing deposits		45,306		44,308		42,631		44,325		41,816		44,092		40,436

Total deposits	$	180,606	$	182,302	$	183,084	$	186,274	$	188,669	$	181,989	$	191,181

Transaction deposits	$	128,400	$	127,940	$	125,226	$	124,846	$	122,352	$	127,201	$	118,660

Common shareholders’ equity	$	28,755	$	27,054	$	24,764	$	21,726	$	20,391	$	26,810	$	19,448

Page 4

THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Net Interest Margin (Unaudited) (a)


	Three months ended
	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009
Average yields/rates
Yield on interest-earning assets
Loans		5.24	%		5.58	%		5.50	%		5.42	%		5.12	%
Investment securities		4.15			4.17			4.44			4.67			5.20
Other		3.15			3.98			4.26			3.17			2.18
Total yield on interest-earning assets		4.82			5.13			5.17			5.07			4.88
Rate on interest-bearing liabilities
Deposits		.68			.71			.81			.93			1.04
Borrowed funds		2.56			1.88			2.33			2.60			2.57
Total rate on interest-bearing liabilities		1.10			.98			1.16			1.30			1.39

Interest rate spread		3.72			4.15			4.01			3.77			3.49
Impact of noninterest-bearing sources		.24			.20			.23			.28			.27

Net interest margin (b)		3.96	%		4.35	%		4.24	%		4.05	%		3.76	%


	Nine months ended
	September 30 2010			September 30 2009
Average yields/rates
Yield on interest-earning assets
Loans		5.44	%		5.36	%
Investment securities		4.25			5.36
Other		3.76			2.14
Total yield on interest-earning assets		5.04			5.07
Rate on interest-bearing liabilities
Deposits		.73			1.25
Borrowed funds		2.25			3.00
Total rate on interest-bearing liabilities		1.08			1.65

Interest rate spread		3.96			3.42
Impact of noninterest-bearing sources		.22			.30

Net interest margin (b)		4.18	%		3.72	%

(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 three months ended September 30, 2010, June 30, 2010, March 31, 2010, December 31, 2009, and September 30, 2009 were $22 million, $19 million, $18 million, $18 million, and $16 million, respectively. The taxable-equivalent adjustments to net interest income for the nine months ended September 30, 2010 and September 30, 2009 were $59 million and $47 million, respectively.

(b)	A reconciliation of net interest margin to credit risk-adjusted net interest margin follows. We believe that credit risk-adjusted net interest margin, a non-GAAP measure, is useful as a tool to help evaluate the amount of credit related risk associated with interest-earning assets.


	Three months ended
	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009
Net interest margin, as reported		3.96	%		4.35	%		4.24	%		4.05	%		3.76	%
Less: adjustment (c)		.86			1.47			1.34			1.80			1.54

Credit risk-adjusted net interest margin		3.10	%		2.88	%		2.90	%		2.25	%		2.22	%


	Nine months ended
	September 30 2010			September 30 2009
Net interest margin, as reported		4.18	%		3.72	%
Less: adjustment (c)		1.22			1.60

Credit risk-adjusted net interest margin		2.96	%		2.12	%

(c)	The adjustment represents annualized provision for credit losses divided by average interest-earning assets.

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THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Loans (Unaudited)


In millions	September 30 2010		June 30 2010		March 31 2010		December 31 2009		September 30 2009
Commercial
Retail/wholesale	$	9,752	$	9,576	$	9,557	$	9,515	$	9,404
Manufacturing		9,519		9,728		9,863		9,880		10,639
Service providers		8,747		8,289		8,528		8,256		8,364
Real estate related (a)		7,398		7,269		7,379		7,403		7,854
Financial services		3,773		4,302		4,654		3,874		4,422
Health care		3,169		3,099		2,998		2,970		2,888
Other		10,830		11,969		11,724		12,920		13,357

Total commercial		53,188		54,232		54,703		54,818		56,928

Commercial real estate
Real estate projects		13,021		13,914		14,535		15,582		16,112
Commercial mortgage		6,070		6,450		7,415		7,549		7,952

Total commercial real estate		19,091		20,364		21,950		23,131		24,064

Equipment lease financing		6,408		6,630		6,111		6,202		6,283

TOTAL COMMERCIAL LENDING		78,687		81,226		82,764		84,151		87,275

Consumer
Home equity
Lines of credit		23,770		23,901		24,040		24,236		24,272
Installment		10,815		11,060		11,390		11,711		12,098
Education		8,819		8,867		8,320		7,468		6,370
Automobile		2,863		2,697		2,206		2,013		1,988
Credit card and other unsecured lines of credit		4,843		4,920		4,962		3,536		3,533
Other		3,846		3,834		4,316		4,618		4,614

Total consumer		54,956		55,279		55,234		53,582		52,875

Residential real estate
Residential mortgage		15,708		16,618		17,599		18,190		18,469
Residential construction		776		1,219		1,669		1,620		1,989

Total residential real estate		16,484		17,837		19,268		19,810		20,458

TOTAL CONSUMER LENDING		71,440		73,116		74,502		73,392		73,333

Total (b)	$	150,127	$	154,342	$	157,266	$	157,543	$	160,608

(a) Includes loans to customers in the real estate and construction industries.
(b) Includes purchased impaired loans related to National City	$	8,130	$	9,127	$	9,673	$	10,287	$	11,064

Details of Loans Held for Sale (Unaudited)


In millions	September 30 2010		June 30 2010		March 31 2010		December 31 2009		September 30 2009
Commercial mortgage	$	1,375	$	1,239	$	1,316	$	1,301	$	1,810
Residential mortgage		1,786		1,336		1,158		1,012		1,552
Other		114		181		217		226		147

Total	$	3,275	$	2,756	$	2,691	$	2,539	$	3,509

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THE PNC FINANCIAL SERVICES GROUP, INC.

Purchase Accounting Accretion and Accretable Interest (Unaudited)

VALUATION OF PURCHASED IMPAIRED LOANS


	December 31, 2008						December 31, 2009						September 30, 2010
Dollars in billions	Balance			Net Investment			Balance			Net Investment			Balance			Net Investment
Commercial and commercial real estate loans:
Unpaid principal balance	$	6.3					$	3.5					$	2.2
Purchased impaired mark		(3.4	)					(1.3	)					(0.7	)

Recorded investment		2.9						2.2						1.5
Allowance for loan losses		—						(.2	)					(.3	)

Net investment		2.9			46	%		2.0			57	%		1.2			55	%

Consumer and residential mortgage loans:
Unpaid principal balance		15.6						11.7						8.4
Purchased impaired mark		(5.8	)					(3.6	)					(1.8	)

Recorded investment		9.8						8.1						6.6
Allowance for loan losses		—						(.3	)					(.6	)

Net investment		9.8			63	%		7.8			67	%		6.0			71	%


Total purchased impaired loans:
Unpaid principal balance		21.9						15.2						10.6
Purchased impaired mark		(9.2	)					(4.9	)					(2.5	)

Recorded investment		12.7						10.3						8.1
Allowance for loan losses		—						(.5	)					(.9	)(a)

Net investment	$	12.7			58	%	$	9.8			64	%	$	7.2			68	%

PURCHASE ACCOUNTING ACCRETION


	Three months ended
In millions	March 31 2009			June 30 2009			September 30 2009			December 31 2009			March 31 2010			June 30 2010			September 30 2010
Non-impaired loans	$	322		$	168		$	172		$	111		$	112		$	111		$	70
Impaired loans		257			220			193			244			265			258			187
Reversal of contractual interest on impaired loans		(223	)		(194	)		(167	)		(168	)		(134	)		(136	)		(138	)

Net impaired loans		34			26			26			76			131			122			49
Securities		31			41			25			21			11			13			15
Deposits		312			264			231			189			167			144			122
Borrowings (b)		(85	)		(52	)		(58	)		(55	)		(56	)		(14	)		(42	)

Total	$	614		$	447		$	396		$	342		$	365		$	376		$	214

Cash received in excess of recorded investment from sales or payoffs of impaired commercial loans (cash recoveries)				$	39		$	11		$	154		$	75		$	164		$	111

REMAINING PURCHASE ACCOUNTING ACCRETION



In billions	December 31 2008			December 31 2009			September 30 2010
Non-impaired loans	$	2.4		$	1.6		$	1.3
Impaired loans (c)		3.7			3.5			2.3

Total loans (gross)		6.1			5.1			3.6
Securities		.2			.1			.1
Deposits		2.1			1.0			.6
Borrowings		(1.5	)		(1.2	)		(1.1	)

Total	$	6.9		$	5.0		$	3.2

ACCRETABLE NET INTEREST—PURCHASED IMPAIRED LOANS



In billions				In billions
December 31, 2009	$	3.5		December 31, 2008	$	3.7
Accretion		(.7	)	Accretion		(1.6	)
Cash recoveries		(.3	)	Cash recoveries		(.6	)
Net reclass to accretable difference and other activity		(.2	)	Net reclass to accretable difference and other activity		.8

September 30, 2010	$	2.3		September 30, 2010	$	2.3

(a)

Impairment reserves of $.9 billion at September 30, 2010 reflect impaired loans with further credit quality deterioration since acquisition. This deterioration was more than offset by the cash received to date in excess of recorded investment of $.6 billion and the net reclassification to accretable, to be recognized over time, of $.8 billion.

(b)	Interest expense on borrowed funds for the second quarter of 2010 included a $29 million reduction associated with refinement of the accretion related to acquired debt.

(c)

Adjustments include purchase accounting accretion, reclassifications from non-accretable to accretable net interest as a result of increases in estimated cash flows, and reductions in the accretable amount as a result of the identification of additional purchased impaired loans as of the National City acquisition close date of December 31, 2008.

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THE PNC FINANCIAL SERVICES GROUP, INC.

Accruing Loans Past Due (Unaudited)

Accruing Loans Past Due 30 To 89 Days (a)


Dollars in millions	Amount										Percent of Total Outstandings
Dollars in millions	Sept. 30 2010		June 30 2010		March 31 2010		Dec. 31 2009		Sept. 30 2009		Sept. 30 2010			June 30 2010			March 31 2010			Dec. 31 2009			Sept. 30 2009
Commercial	$	293	$	501	$	622	$	684	$	633		.55	%		.93	%		1.15	%		1.26	%		1.13	%
Commercial real estate		353		535		859		666		743		1.97			2.81			4.19			3.10			3.34
Equipment lease financing		10		21		97		128		50		.16			.32			1.59			2.06			.80
Consumer		430		419		440		438		444		.83			.81			.85			.87			.90
Residential real estate		347		392		464		472		510		2.70			2.92			3.14			3.12			3.29

Total	$	1,433	$	1,868	$	2,482	$	2,388	$	2,380		1.01			1.29			1.68			1.62			1.59

Accruing Loans Past Due 90 Days Or More (a)


	Amount										Percent of Total Outstandings
Dollars in millions	Sept. 30 2010		June 30 2010		March 31 2010		Dec. 31 2009		Sept. 30 2009		Sept. 30 2010			June 30 2010			March 31 2010			Dec. 31 2009			Sept. 30 2009
Commercial	$	90	$	110	$	201	$	188	$	196		.17	%		.20	%		.37	%		.35	%		.35	%
Commercial real estate		58		83		111		150		184		.32			.44			.54			.70			.83
Equipment lease financing		4		4		2		6		3		.06			.06			.03			.10			.05
Consumer		270		225		248		226		216		.52			.43			.48			.45			.44
Residential real estate		179		177		284		314		276		1.60			1.51			1.92			2.07			1.78

Total	$	601	$	599	$	846	$	884	$	875		.43			.42			.57			.60			.59

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

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THE PNC FINANCIAL SERVICES GROUP, INC.

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 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009
Beginning balance	$	5,336		$	5,319		$	5,072		$	4,810		$	4,569
Charge-offs:
Commercial		(310	)		(313	)		(273	)		(380	)		(323	)
Commercial real estate		(102	)		(149	)		(238	)		(260	)		(20	)
Equipment lease financing		(12	)		(43	)		(36	)		(34	)		(42	)
Consumer		(285	)		(283	)		(242	)		(267	)		(257	)
Residential real estate		(47	)		(197	)		(38	)		(83	)		(96	)

Total charge-offs		(756	)		(985	)		(827	)		(1,024	)		(738	)
Recoveries:
Commercial		80			78			65			87			42
Commercial real estate		14			10			33			15			8
Equipment lease financing		13			13			12			10			7
Consumer		28			31			26			27			23
Residential real estate		7			13						50			8

Total recoveries		142			145			136			189			88
Net charge-offs:
Commercial		(230	)		(235	)		(208	)		(293	)		(281	)
Commercial real estate		(88	)		(139	)		(205	)		(245	)		(12	)
Equipment lease financing		1			(30	)		(24	)		(24	)		(35	)
Consumer		(257	)		(252	)		(216	)		(240	)		(234	)
Residential real estate		(40	)		(184	)		(38	)		(33	)		(88	)

Total net charge-offs		(614	)		(840	)		(691	)		(835	)		(650	)
Provision for credit losses		486			823			751			1,049			914
Acquired allowance adjustments (a)		(2	)					2			20			(18	)
Adoption of ASU 2009-17, Consolidations								141
Net change in allowance for unfunded loan commitments and letters of credit		25			34			44			28			(5	)

Ending balance	$	5,231		$	5,336		$	5,319		$	5,072		$	4,810

Supplemental Information
Net charge-offs to average loans (for the three months ended) (annualized)		1.61	%		2.18	%		1.77	%		2.09	%		1.59	%
Allowance for loan and lease losses to total loans		3.48			3.46			3.38			3.22			2.99

Commercial lending net charge-offs	$	(317	)	$	(404	)	$	(437	)	$	(562	)	$	(328	)
Consumer lending net charge-offs		(297	)		(436	)		(254	)		(273	)		(322	)

Total net charge-offs	$	(614	)	$	(840	)	$	(691	)	$	(835	)	$	(650	)

Net charge-offs to average loans
Commercial lending		1.57	%		1.99	%		2.11	%		2.61	%		1.46	%
Consumer lending		1.64			2.38			1.38			1.49			1.75

(a)	Related to our December 31, 2008 National City acquisition.

Change in Allowance for Unfunded Loan Commitments and Letters of Credit


Three months ended - in millions	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009
Beginning balance	$	218		$	252		$	296		$	324		$	319
Net change in allowance for unfunded loan commitments and letters of credit		(25	)		(34	)		(44	)		(28	)		5

Ending balance	$	193		$	218		$	252		$	296		$	324

Net Unfunded Commitments


In millions	September 30 2010		June 30 2010		March 31 2010		December 31 2009		September 30 2009
Net unfunded commitments	$	97,147	$	95,775	$	96,363	$	100,795	$	102,669

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THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Nonperforming Assets (Unaudited)

Nonperforming Assets by Type


In millions	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009
Nonperforming loans
Commercial
Retail/wholesale	$	219		$	242		$	246		$	231		$	219
Manufacturing		266			312			341			423			387
Real estate related (a)		338			405			460			419			396
Financial services		36			60			77			117			200
Health care		59			55			48			41			48
Other		612			619			661			575			580

Total commercial		1,530			1,693			1,833			1,806			1,830

Commercial real estate
Real estate projects		1,562			1,661			1,797			1,754			1,637
Commercial mortgage		427			420			419			386			235

Total commercial real estate		1,989			2,081			2,216			2,140			1,872

Equipment lease financing		104			114			123			130			164

TOTAL COMMERCIAL LENDING		3,623			3,888			4,172			4,076			3,866

Consumer
Home equity		406			405			337			356			207
Other		38			25			35			36			25

Total consumer		444			430			372			392			232
Residential real estate
Residential mortgage		727			713			968			955			790
Residential construction		42			79			249			248			238

Total residential real estate		769			792			1,217			1,203			1,028

TOTAL CONSUMER LENDING		1,213			1,222			1,589			1,595			1,260

Total nonperforming loans (b) (c) (d) (e)		4,836			5,110			5,761			5,671			5,126

Foreclosed and other assets
Commercial lending		366			293			328			266			145
Consumer lending		467			501			451			379			373

Total foreclosed and other assets		833			794			779			645			518

Total nonperforming assets	$	5,669		$	5,904		$	6,540		$	6,316		$	5,644

Nonperforming loans to total loans		3.22	%		3.31	%		3.66	%		3.60	%		3.19	%
Nonperforming assets to total loans and foreclosed and other assets		3.76			3.81			4.14			3.99			3.50
Nonperforming assets to total assets		2.18			2.26			2.46			2.34			2.08
Allowance for loan and lease losses to nonperforming loans (e) (f)		108			104			92			89			94

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

(b)

Loans whose contractual terms have been restructured in a manner which grants a concession to a borrower experiencing financial difficulties where we do not receive adequate compensation are considered troubled debt restructurings (TDRs). TDRs typically result from our loss mitigation activities and could include rate reductions, principal forgiveness, forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of collateral. Total nonperforming loans include TDRs of $595 million at September 30, 2010, $500 million at June 30, 2010, $385 million at March 31, 2010, $440 million at December 31, 2009, and $230 million at September 30, 2009. Purchased impaired loans are excluded from TDRs.

(c)	TDRs returned to performing (accrual) status totaled $425 million at September 30, 2010 and are excluded from nonperforming loans. These loans have demonstrated a period of at least six months of performance under the modified terms.

(d)

Credit cards and certain small business and consumer credit agreements whose terms have been modified totaled $315 million at September 30, 2010 and are excluded from TDRs and nonperforming loans. Our policy is to exempt these loans from being placed on nonaccrual status as permitted by regulatory guidance as these loans are directly charged off in the period that they become 180 days past due.

(e)	Nonperforming loans do not include purchased impaired loans or loans held for sale.

(f)	The allowance for loan and lease losses includes impairment reserves attributable to purchased impaired loans. See page 7, note (a).

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THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Nonperforming Assets (Unaudited) (Continued)

Change in Nonperforming Assets


In millions	January 1, 2010 - September 30, 2010			July 1, 2010 - September 30, 2010			April 1, 2010 - June 30, 2010			January 1, 2010 - March 31, 2010
Beginning balance	$	6,316		$	5,904		$	6,540		$	6,316
Transferred in		4,154			1,369			1,011			1,774
Charge-offs/valuation adjustments		(1,604	)		(452	)		(532	)		(620	)
Principal activity including payoffs		(939	)		(365	)		(296	)		(278	)
Asset sales and transfers to held for sale		(1,036	)		(351	)		(420	)		(265	)
Returned to performing - TDRs		(481	)		(152	)		(112	)		(217	)
Returned to performing - Other		(741	)		(284	)		(287	)		(170	)

Ending balance	$	5,669		$	5,669		$	5,904		$	6,540

Largest Individual Nonperforming Assets at September 30, 2010 (a)


In millions
Ranking	Outstandings		Industry
1	$	54	Accommodations & Food Service
2		31	Real Estate Rental & Leasing
3		30	Construction
4		27	Real Estate Rental & Leasing
5		26	Real Estate Rental & Leasing
6		23	Construction
7		23	Real Estate Rental & Leasing
8		22	Retail Trade
9		22	Real Estate Rental & Leasing
10		22	Real Estate Rental & Leasing

Total	$	280

As a percent of total nonperforming assets			5%

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

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THE PNC FINANCIAL SERVICES GROUP, INC.

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, Virginia, Missouri, 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, our multi-seller conduit, 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.

Residential Mortgage Banking directly originates primarily 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. These loans are typically underwritten to government agency and/or third party standards, and sold, servicing retained, to primary mortgage conduits Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac), Federal Home Loan Banks and third-party investors, or are securitized and issued under the Government National Mortgage Association (Ginnie Mae) program. The mortgage servicing operation performs all functions related to servicing mortgage loans - primarily those in first lien position - for various investors and for loans owned by PNC. Certain loans originated through our joint ventures are serviced by a joint venture partner.

BlackRock is the largest publicly traded investment management firm in the world. BlackRock manages assets on behalf of institutional and individual investors worldwide through a variety of equity, fixed income, multi-asset class, alternative and cash management separate accounts and funds, including iShares^®, the global product leader in exchange traded 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, 2010, our share of BlackRock’s earnings was 23%.

Distressed Assets Portfolio includes commercial residential development loans, cross-border leases, consumer brokered home equity loans, retail mortgages, non-prime mortgages, and residential construction loans. These loans require special servicing and management oversight given current market conditions. The majority of these loans are from acquisitions, primarily National City.

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THE PNC FINANCIAL SERVICES GROUP, INC.

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


	Three months ended													Nine months ended
In millions Income (Loss)	September 30 2010			June 30 2010			March 31 2010		December 31 2009			September 30 2009		September 30 2010		September 30 2009
Retail Banking	$	(7	)	$	80		$	24	$	(25	)	$	50	$	97	$	161
Corporate & Institutional Banking		427			443			360		415			309		1,230		775
Asset Management Group		44			28			40		24			35		112		82
Residential Mortgage Banking		98			92			82		25			91		272		410
Distressed Assets Portfolio		17			(81	)		72		(88	)		14		8		172
Other, including BlackRock (b) (c) (d)		196			219			70		752			41		485		(345	)

Income from continuing operations before noncontrolling interests	$	775		$	781		$	648	$	1,103		$	540	$	2,204	$	1,255

Revenue
Retail Banking	$	1,355		$	1,387		$	1,359	$	1,379		$	1,434	$	4,101	$	4,342
Corporate & Institutional Banking		1,070			1,219			1,248		1,377			1,316		3,537		3,889
Asset Management Group		217			219			229		218			225		665		701
Residential Mortgage Banking		285			255			234		176			292		774		1,152
Distressed Assets Portfolio		244			346			337		221			254		927		932
Other, including BlackRock (b) (c) (d)		427			486			356		1,515			332		1,269		326

Revenue from continuing operations	$	3,598		$	3,912		$	3,763	$	4,886		$	3,853	$	11,273	$	11,342

(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 business and management structure change. Certain prior period amounts have been reclassified to reflect current methodologies and our current business and management structure. Amounts are presented on a continuing operations basis and therefore exclude the earnings and revenue attributable to GIS, including the gain on the sale of GIS, which closed July 1, 2010.

(b)	We consider BlackRock to be a separate reportable business segment but have combined its results with Other for this presentation. Our third quarter 2010 Form 10-Q will include additional information regarding BlackRock.

(c)

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, other than temporary impairment of debt securities 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.

(d)	The $1.076 billion gain ($687 million after-tax) related to BlackRock’s acquisition of BGI was included in this business segment for the fourth quarter of 2009.


Period-end Employees	September 30 2010		June 30 2010		March 31 2010		December 31 2009		September 30 2009
Full-time employees
Retail Banking		21,203		21,380		21,522		21,416		21,644
Corporate & Institutional Banking		3,660		3,601		3,760		3,746		3,861
Asset Management Group		2,971		2,960		2,995		2,969		3,076
Residential Mortgage Banking		3,339		3,348		3,340		3,267		3,606
Distressed Assets Portfolio		170		179		178		175		157
Other
Operations & Technology		8,689		8,949		9,259		9,249		9,373
Staff Services and Other (e)		4,588		9,073		9,059		8,939		8,812

Total Other		13,277		18,022		18,318		18,188		18,185

Total full-time employees		44,620		49,490		50,113		49,761		50,529

Retail Banking part-time employees		4,799		4,790		4,798		4,737		4,859
Other part-time employees		974		1,104		1,187		1,322		1,520

Total part-time employees		5,773		5,894		5,985		6,059		6,379

Total		50,393		55,384		56,098		55,820		56,908

The period end employee statistics reflect staff directly employed by the respective business and exclude operations, technology and staff services employees.

(e)	Includes employees of GIS totaling 4,528 at June 30, 2010; 4,573 at March 31, 2010; 4,450 at December 31, 2009; and 4,561 at September 30, 2009. We sold GIS effective July 1, 2010.

Page 13

THE PNC FINANCIAL SERVICES GROUP, INC.

Retail Banking (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions	September 30 2010 (b)			June 30 2010 (b)			March 31 2010 (b)			December 31 2009			September 30 2009 (c)			September 30 2010 (b)			September 30 2009 (c)
INCOME STATEMENT
Net interest income	$	858		$	879		$	871		$	833		$	865		$	2,608		$	2,689
Noninterest income
Service charges on deposits		157			204			195			229			244			556			701
Brokerage		53			55			53			59			63			161			186
Consumer services		242			223			208			224			227			673			662
Other		45			26			32			34			35			103			104

Total noninterest income		497			508			488			546			569			1,493			1,653

Total revenue		1,355			1,387			1,359			1,379			1,434			4,101			4,342
Provision for credit losses		327			280			339			409			313			946			921
Noninterest expense		1,038			994			975			1,011			1,040			3,007			3,158

Pretax earnings (loss)		(10	)		113			45			(41	)		81			148			263
Income taxes (benefit)		(3	)		33			21			(16	)		31			51			102

Earnings (loss)	$	(7	)	$	80		$	24		$	(25	)	$	50		$	97		$	161

AVERAGE BALANCE SHEET
Loans
Consumer
Home equity	$	26,289		$	26,510		$	26,821		$	27,107		$	27,379		$	26,538		$	27,502
Indirect		3,962			3,944			3,973			3,998			3,989			3,960			4,049
Education		8,817			8,342			8,060			6,656			5,742			8,409			5,278
Credit cards		3,901			3,948			4,079			2,503			2,174			3,975			2,150
Other		1,805			1,776			1,793			1,790			1,785			1,792			1,791

Total consumer		44,774			44,520			44,726			42,054			41,069			44,674			40,770
Commercial and commercial real estate		11,118			11,307			11,487			11,766			12,166			11,302			12,488
Floor plan		1,267			1,299			1,296			1,137			1,059			1,287			1,307
Residential mortgage		1,528			1,683			1,800			1,899			1,995			1,669			2,120

Total loans		58,687			58,809			59,309			56,856			56,289			58,932			56,685
Goodwill and other intangible assets		5,837			5,872			5,935			5,882			5,894			5,881			5,828
Other assets		2,070			2,913			2,722			2,697			2,870			2,567			2,768

Total assets	$	66,594		$	67,594		$	67,966		$	65,435		$	65,053		$	67,380		$	65,281

Deposits
Noninterest-bearing demand	$	17,144		$	17,240		$	16,776		$	16,516		$	16,482		$	17,054		$	16,238
Interest-bearing demand		19,767			19,977			19,212			18,446			18,435			19,654			18,327
Money market		40,148			40,283			39,699			39,374			39,753			40,045			39,401

Total transaction deposits		77,059			77,500			75,687			74,336			74,670			76,753			73,966
Savings		7,029			7,006			6,552			6,577			6,731			6,865			6,621
Certificates of deposit		40,378			42,313			45,614			48,338			52,189			42,749			54,765

Total deposits		124,466			126,819			127,853			129,251			133,590			126,367			135,352
Other liabilities		1,463			1,673			1,671			27			55			1,602			58
Capital		8,043			8,326			8,195			8,301			8,523			8,187			8,564

Total liabilities and equity	$	133,972		$	136,818		$	137,719		$	137,579		$	142,168		$	136,156		$	143,974

PERFORMANCE RATIOS
Return on average capital		—	%		4	%		1	%		(1	)%		2	%		2	%		3	%
Return on average assets		(.04	)		.47			.14			(.15	)		.30			.19			.33
Noninterest income to total revenue		37			37			36			40			40			36			38
Efficiency		77			72			72			73			73			73			73

(a)	See note (a) on page 13.

(b)	Information for 2010 reflects the impact of the consolidation in our financial statements for the securitized portfolio of approximately $1.6 billion of credit card loans effective January 1, 2010.

(c)	PNC completed the required divestiture of 61 branches in early September 2009. Amounts for periods prior to the divestiture included the impact of those branches.

Page 14

THE PNC FINANCIAL SERVICES GROUP, INC.

Retail Banking (Unaudited) (Continued)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009 (a)			September 30 2010			September 30 2009 (a)
OTHER INFORMATION (b)
Credit-related statistics:
Commercial nonperforming assets	$	262		$	297		$	324		$	324		$	311
Consumer nonperforming assets (c)		400			336			276			284			191

Total nonperforming assets	$	662		$	633		$	600		$	608		$	502

Impaired loans (d)	$	939		$	974		$	1,013		$	1,056		$	1,161

Commercial lending net charge-offs	$	85		$	100		$	96		$	173		$	69		$	281		$	242
Credit card lending net charge-offs (c)		63			89			96			57			53			248			152
Consumer lending (excluding credit card) net charge-offs		99			109			108			109			112			316			293

Total net charge-offs	$	247		$	298		$	300		$	339		$	234		$	845		$	687

Commercial lending annualized net charge-off ratio		2.72	%		3.18	%		3.05	%		5.32	%		2.07	%		2.98	%		2.35	%
Credit card lending annualized net charge-off ratio (c)		6.41	%		9.04	%		9.54	%		9.03	%		9.67	%		8.34	%		9.45	%
Consumer lending (excluding credit card) annualized net charge-off ratio		.93	%		1.03	%		1.03	%		1.04	%		1.09	%		1.00	%		.96	%

Total annualized net charge-off ratio		1.67	%		2.03	%		2.05	%		2.37	%		1.65	%		1.92	%		1.62	%

Home equity portfolio credit statistics:
% of first lien positions (e)		35	%		35	%		34	%		35	%		35	%
Weighted average loan-to-value ratios (e)		73	%		73	%		73	%		74	%		74	%
Weighted average FICO scores (f)		725			727			725			727			727
Annualized net charge-off ratio		.90	%		1.01	%		.70	%		.90	%		.97	%		.87	%		.70	%
Loans 30 - 89 days past due		.79	%		.74	%		.74	%		.78	%		.75	%
Loans 90 days past due		.94	%		.91	%		.85	%		.76	%		.73	%

Other statistics:
ATMs		6,626			6,539			6,467			6,473			6,463
Branches (g)		2,461			2,458			2,461			2,513			2,554

Customer-related statistics:
Retail Banking checking relationships (h)		5,461,000			5,408,000			5,388,000			5,394,000			5,392,000
Retail online banking active customers		2,968,000			2,774,000			2,782,000			2,743,000			2,682,000
Retail online bill payment active customers		942,000			870,000			826,000			780,000			753,000

Brokerage statistics:
Financial consultants (i)		713			711			722			704			655
Full service brokerage offices		40			41			41			40			42
Brokerage account assets (billions)	$	31		$	31		$	33		$	32		$	30

(a)	PNC completed the required divestiture of 61 branches in early September 2009. Amounts for periods prior to the divestiture included the impact of those branches.

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

(c)

Information for 2010 reflects the impact of the consolidation in our financial statements for the securitized portfolio of approximately $1.6 billion of credit card loans effective January 1, 2010. In addition, the declines as of September 30, 2010 in credit card lending net charge-offs and the credit card lending annualized net charge-off ratio were primarily due to the alignment of charge-off policies within the consolidated portfolio post-conversion.

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

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

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

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

(h)	Retail checking relationships for prior periods presented have been refined subsequent to completion of application system conversion activities related to the National City acquisition.

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

Page 15

THE PNC FINANCIAL SERVICES GROUP, INC.

Corporate & Institutional Banking (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2010 (g)			June 30 2010 (g)			March 31 2010 (g)			December 31 2009			September 30 2009			September 30 2010 (g)			September 30 2009
INCOME STATEMENT
Net interest income	$	833		$	923		$	877		$	1,009		$	915		$	2,633		$	2,824
Noninterest income
Corporate service fees		148			237			242			235			226			627			680
Other		89			59			129			133			175			277			385

Noninterest income		237			296			371			368			401			904			1,065

Total revenue		1,070			1,219			1,248			1,377			1,316			3,537			3,889
Provision for (recoveries of) credit losses		(48	)		97			236			283			384			285			1,320
Noninterest expense		446			421			445			444			459			1,312			1,356

Pretax earnings		672			701			567			650			473			1,940			1,213
Income taxes		245			258			207			235			164			710			438

Earnings	$	427		$	443		$	360		$	415		$	309		$	1,230		$	775

AVERAGE BALANCE SHEET
Loans
Commercial	$	32,119		$	32,937		$	34,024		$	33,481		$	35,785		$	33,019		$	38,755
Commercial real estate		15,897			17,008			17,961			18,747			18,918			16,948			19,346
Commercial - real estate related		3,021			2,901			3,128			3,328			3,622			3,016			3,922
Asset-based lending		6,362			6,065			5,940			6,051			5,918			6,124			6,443
Equipment lease financing		5,747			5,262			5,318			5,368			5,260			5,444			5,397

Total loans		63,146			64,173			66,371			66,975			69,503			64,551			73,863
Goodwill and other intangible assets		3,553			3,660			3,795			3,736			3,704			3,669			3,532
Loans held for sale		1,427			1,408			1,410			1,534			1,578			1,415			1,728
Other assets		8,726			7,711			7,940			7,395			6,460			8,129			7,268

Total assets	$	76,852		$	76,952		$	79,516		$	79,640		$	81,245		$	77,764		$	86,391

Deposits
Noninterest-bearing demand	$	25,259		$	23,715		$	22,271		$	23,484		$	20,392		$	23,759		$	18,756
Money market		12,105			12,380			12,253			10,573			10,714			12,246			9,402
Other		6,833			6,856			7,610			8,728			8,009			7,097			7,636

Total deposits		44,197			42,951			42,134			42,785			39,115			43,102			35,794
Other liabilities		12,937			10,797			10,870			8,408			8,363			11,542			9,357
Capital		7,237			7,913			7,633			7,916			7,922			7,593			7,810

Total liabilities and equity	$	64,371		$	61,661		$	60,637		$	59,109		$	55,400		$	62,237		$	52,961

PERFORMANCE RATIOS
Return on average capital		23	%		22	%		19	%		21	%		15	%		22	%		20	%
Return on average assets		2.20			2.31			1.84			2.07			1.51			2.11			1.20
Noninterest income to total revenue		22			24			30			27			30			26			27
Efficiency		42			35			36			32			35			37			35

COMMERCIAL MORTGAGE
SERVICING PORTFOLIO (in billions)
Beginning of period	$	265		$	282		$	287		$	275		$	269		$	287		$	270
Acquisitions/additions		8			7			8			19			15			23			31
Repayments/transfers		(10	)		(24	)		(13	)		(7	)		(9	)		(47	)		(26	)

End of period	$	263		$	265		$	282		$	287		$	275		$	263		$	275

OTHER INFORMATION
Consolidated revenue from: (b)
Treasury Management	$	319		$	302		$	298		$	296		$	281		$	919		$	841
Capital Markets	$	119		$	128		$	164		$	187		$	155		$	411		$	346
Commercial mortgage loans held for sale (c)	$	24		$	(2	)	$	27		$	67		$	53		$	49		$	138
Commercial mortgage loan servicing (d)		(40	)		49			88			66			66			97			214

Total commercial mortgage banking activities	$	(16	)	$	47		$	115		$	133		$	119		$	146		$	352
Total loans (e)	$	62,388		$	63,910		$	65,076		$	66,206		$	68,352
Credit-related statistics:
Nonperforming assets (e)	$	3,064		$	3,103		$	3,343		$	3,167		$	2,992
Impaired loans (e) (f)	$	890		$	923		$	1,033		$	1,075		$	1,482
Net charge-offs	$	211		$	243		$	271		$	341		$	222		$	725		$	711
Net carrying amount of commercial mortgage servicing rights (e)	$	616		$	722		$	921		$	921		$	897

(a)	See note (a) on page 13.

(b)	Represents consolidated PNC amounts.

(c)	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.

(d)	Includes net interest income and noninterest income from loan servicing and ancillary services, and commercial MSR valuations.

(e)	Presented as of period end.

(f)	Recorded investment of purchased impaired loans related to National City, adjusted to reflect additional loan impairments effective December 31, 2008.

(g)	Reflects the impact of consolidating Market Street Funding LLC in our financial statements effective January 1, 2010 which for the nine months ended September 30, 2010 included $1.5 billion of loans, net of eliminations, and $2.6 billion of commercial paper borrowings included in Other Liabilities.

Page 16

THE PNC FINANCIAL SERVICES GROUP, INC.

Asset Management Group (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009			September 30 2010			September 30 2009
INCOME STATEMENT
Net interest income	$	67		$	65		$	65		$	67		$	70		$	197		$	241
Noninterest income		150			154			164			151			155			468			460

Total revenue		217			219			229			218			225			665			701
Provision for (recoveries of) credit losses		(12	)		14			9			25			9			11			72
Noninterest expense		160			160			157			154			162			477			499

Pretax earnings		69			45			63			39			54			177			130
Income taxes		25			17			23			15			19			65			48

Earnings	$	44		$	28		$	40		$	24		$	35		$	112		$	82

AVERAGE BALANCE SHEET
Loans
Consumer	$	4,021		$	4,004		$	3,994		$	4,044		$	3,997		$	4,006		$	3,928
Commercial and commercial real estate		1,520			1,491			1,496			1,511			1,591			1,503			1,682
Residential mortgage		802			915			964			1,000			1,046			893			1,104

Total loans		6,343			6,410			6,454			6,555			6,634			6,402			6,714
Goodwill and other intangible assets		394			403			415			416			418			404			404
Other assets		235			248			227			209			208			237			249

Total assets	$	6,972		$	7,061		$	7,096		$	7,180		$	7,260		$	7,043		$	7,367

Deposits
Noninterest-bearing demand	$	1,364		$	1,268		$	1,229		$	1,127		$	993		$	1,288		$	1,080
Interest-bearing demand		1,869			1,735			1,699			1,674			1,544			1,768			1,550
Money market		3,258			3,261			3,217			3,134			3,154			3,245			3,233

Total transaction deposits		6,491			6,264			6,145			5,935			5,691			6,301			5,863
Certificates of deposit and other		715			769			818			918			1,013			766			1,129

Total deposits		7,206			7,033			6,963			6,853			6,704			7,067			6,992
Other liabilities		80			92			111			114			99			95			101
Capital		512			567			553			531			611			544			582

Total liabilities and equity	$	7,798		$	7,692		$	7,627		$	7,498		$	7,414		$	7,706		$	7,675

PERFORMANCE RATIOS
Return on average capital		34	%		20	%		29	%		18	%		23	%		28	%		19	%
Return on average assets		2.50			1.59			2.29			1.33			1.91			2.13			1.49
Noninterest income to total revenue		69			70			72			69			69			70			66
Efficiency		74			73			69			71			72			72			71

OTHER INFORMATION
Total nonperforming assets (b)	$	102		$	114		$	139		$	155		$	129
Impaired loans (b) (c)	$	155		$	182		$	191		$	198		$	206
Total net charge-offs	$	1		$	16		$	4		$	22		$	9		$	21		$	41

ASSETS UNDER ADMINISTRATION (in billions) (b) (d)
Personal	$	95		$	92		$	96		$	94		$	93
Institutional		111			107			113			111			124

Total	$	206		$	199		$	209		$	205		$	217

Asset Type
Equity	$	107		$	98		$	104		$	100		$	98
Fixed income		66			64			59			58			56
Liquidity/Other		33			37			46			47			63

Total	$	206		$	199		$	209		$	205		$	217

Discretionary assets under management
Personal	$	67		$	65		$	69		$	67		$	66
Institutional		38			34			36			36			38

Total	$	105		$	99		$	105		$	103		$	104

Asset Type
Equity	$	51		$	46		$	51		$	49		$	47
Fixed income		38			36			35			34			34
Liquidity/Other		16			17			19			20			23

Total	$	105		$	99		$	105		$	103		$	104

Nondiscretionary assets under administration
Personal	$	28		$	27		$	27		$	27		$	27
Institutional		73			73			77			75			86

Total	$	101		$	100		$	104		$	102		$	113

Asset Type
Equity	$	56		$	52		$	53		$	51		$	51
Fixed income		28			28			24			24			22
Liquidity/Other		17			20			27			27			40

Total	$	101		$	100		$	104		$	102		$	113

(a)	See note (a) on page 13.

(b)	As of period end.

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

(d)	Excludes brokerage account assets.

Page 17

THE PNC FINANCIAL SERVICES GROUP, INC.

Residential Mortgage Banking (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009			September 30 2010			September 30 2009
INCOME STATEMENT
Net interest income	$	53		$	73		$	80		$	71		$	83		$	206		$	261
Noninterest income
Loan servicing revenue
Servicing fees		61			66			69			51			70			196			171
Net MSR hedging gains		86			66			46			35			60			198			320
Loan sales revenue		77			49			39			26			83			165			409
Other		8			1						(7	)		(4	)		9			(9	)

Total noninterest income		232			182			154			105			209			568			891

Total revenue		285			255			234			176			292			774			1,152
Provision for (recoveries of) credit losses		21			(8	)		(16	)		(7	)		4			(3	)		3
Noninterest expense		119			109			121			142			141			349			490

Pretax earnings		145			154			129			41			147			428			659
Income taxes		47			62			47			16			56			156			249

Earnings	$	98		$	92		$	82		$	25		$	91		$	272		$	410

AVERAGE BALANCE SHEET
Portfolio loans	$	2,572		$	2,540		$	2,820		$	2,479		$	2,071		$	2,643		$	1,780
Loans held for sale		1,427			1,148			974			1,333			2,042			1,184			2,498
Mortgage servicing rights (MSR)		863			1,084			1,264			1,236			1,443			1,069			1,318
Other assets		4,302			3,914			3,797			3,761			3,483			4,007			2,693

Total assets	$	9,164		$	8,686		$	8,855		$	8,809		$	9,039		$	8,903		$	8,289

Deposits	$	2,108		$	3,088		$	3,602		$	3,628		$	4,076		$	2,927		$	4,306
Borrowings and other liabilities		2,740			2,817			2,279			3,110			3,811			2,614			2,861
Capital		880			1,309			1,781			1,471			1,411			1,320			1,322

Total liabilities and equity	$	5,728		$	7,214		$	7,662		$	8,209		$	9,298		$	6,861		$	8,489

PERFORMANCE RATIOS
Return on average capital		44	%		28	%		19	%		7	%		26	%		28	%		41	%
Return on average assets		4.24			4.25			3.76			1.13			3.99			4.08			6.61
Noninterest income to total revenue		81			71			66			60			72			73			77
Efficiency		42			43			52			81			48			45			43

OTHER INFORMATION
Servicing portfolio for others (in billions) (b)	$	131		$	137		$	141		$	145		$	158
Fixed rate		89	%		89	%		89	%		88	%		88	%
Adjustable rate/balloon		11	%		11	%		11	%		12	%		12	%
Weighted average interest rate		5.69	%		5.74	%		5.79	%		5.82	%		5.89	%
MSR capitalized value (in billions)	$	0.8		$	1.0		$	1.3		$	1.3		$	1.3
MSR capitalization value (in basis points)		60			71			90			91			81
Weighted average servicing fee (in basis points)		30			30			30			30			30
Loan origination volume (in billions)	$	2.7		$	2.3		$	2.0		$	2.3		$	3.6		$	7.0		$	16.9
Percentage of originations represented by:
Agency and government programs		99	%		99	%		98	%		96	%		97	%		99	%		97	%
Refinance volume		76	%		58	%		73	%		59	%		59	%		69	%		74	%
Total nonperforming assets (b)	$	327		$	326		$	418		$	370		$	343
Impaired loans (b) (c)	$	173		$	168		$	298		$	369		$	412

(a)	See note (a) on page 13.

(b)	As of period end.

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

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THE PNC FINANCIAL SERVICES GROUP, INC.

Distressed Assets Portfolio (Unaudited) (a)


	Three months ended															Nine months ended
Dollars in millions, except as noted	September 30 2010			June 30 2010			March 31 2010			December 31 2009			September 30 2009			September 30 2010			September 30 2009
INCOME STATEMENT
Net interest income	$	279		$	347		$	338		$	218		$	235		$	964		$	861
Noninterest income		(35	)		(1	)		(1	)		3			19			(37	)		71

Total revenue		244			346			337			221			254			927			932
Provision for credit losses		176			404			165			314			168			745			457
Noninterest expense		46			65			58			49			62			169			197

Pretax earnings (loss)		22			(123	)		114			(142	)		24			13			278
Income taxes (benefit)		5			(42	)		42			(54	)		10			5			106

Earnings (loss)	$	17		$	(81	)	$	72		$	(88	)	$	14		$	8		$	172

AVERAGE BALANCE SHEET
Commercial lending:
Commercial/Commercial real estate	$	2,088		$	2,442		$	2,599		$	2,812		$	3,260		$	2,374		$	3,565
Equipment lease financing		753			807			803			800			793			788			823

Total commercial lending		2,841			3,249			3,402			3,612			4,053			3,162			4,388

Consumer lending:
Consumer		6,144			6,350			6,573			6,698			6,777			6,354			7,236
Residential real estate		7,205			8,120			8,190			8,574			9,586			7,835			10,243

Total consumer lending		13,349			14,470			14,763			15,272			16,363			14,189			17,479

Total loans		16,190			17,719			18,165			18,884			20,416			17,351			21,867
Other assets		555			797			1,342			1,633			1,901			895			1,760

Total assets	$	16,745		$	18,516		$	19,507		$	20,517		$	22,317		$	18,246		$	23,627

Deposits	$	2		$	180		$	85		$	29		$	32		$	89		$	42
Other liabilities		102			77			55			70			85			78			100
Capital		1,187			1,514			1,353			1,568			1,540			1,351			1,576

Total liabilities and equity	$	1,291		$	1,771		$	1,493		$	1,667		$	1,657		$	1,518		$	1,718

PERFORMANCE RATIOS
Return on average capital		6	%		(21	) %		22	%		(22	) %		4	%		1	%		15	%
Return on average assets		.40			(1.75	)		1.50			(1.70	)		.25			.06			.97

OTHER INFORMATION
Nonperforming assets (b)	$	1,218		$	1,436		$	1,777		$	1,787		$	1,473
Impaired loans (b) (c)	$	6,001		$	6,867		$	7,124		$	7,577		$	7,803
Net charge-offs	$	107		$	276		$	111		$	121		$	175		$	494		$	423
Annualized net charge-off ratio		2.63	%		6.24	%		2.48	%		2.54	%		3.40	%		3.81	%		2.59	%

LOANS (in billions) (b)
Commercial lending:
Commercial / Commercial real estate	$	1,911		$	2,282		$	2,641		$	2,561		$	3,162
Equipment lease financing		757			757			806			805			798

Total commercial lending		2,668			3,039			3,447			3,366			3,960

Consumer lending:
Consumer		6,011			6,323			6,511			6,673			6,783
Residential real estate		7,014			7,911			8,105			8,467			8,939

Total consumer lending		13,025			14,234			14,616			15,140			15,722

Total loans	$	15,693		$	17,273		$	18,063		$	18,506		$	19,682

(a)	See note (a) on page 13.

(b)	As of period end.

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

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THE PNC FINANCIAL SERVICES GROUP, INC.

Glossary of Terms

Accretable net interest (Accretable yield) - The excess of cash flows expected to be collected on a purchased impaired loan over the carrying value of the loan. The accretable net interest is recognized into 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.

Cash recoveries - Cash recoveries used in the context of purchased impaired loans represent cash payments from customers that exceeded the recorded investment of the designated impaired loan.

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, if fair value is less than carrying amount.

Client-related noninterest income - Total noninterest income included on our Consolidated Income Statement less amounts for net gains (losses) on sales of securities, net other-than-temporary impairments, and other noninterest income.

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 risk-adjusted net interest margin - Net interest margin less the ratio of the annualized provision for credit losses to average interest-earning assets.

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.

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 but not limited to 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; loans held for sale; loans; investment securities; and certain other assets.

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.

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THE PNC FINANCIAL SERVICES GROUP, INC.

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.

Nonaccretable difference - Contractually required payments receivable on a purchased impaired loan in excess of the cash flows expected to be collected.

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. Nonperforming loans do not include purchased impaired loans as we are currently accreting interest income over the expected life of the loans.

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

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).

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THE PNC FINANCIAL SERVICES GROUP, INC.

Other-than-temporary impairment (OTTI) - When the fair value of a 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 for debt securities, if we do not intend to sell the security and it is not more likely than not 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 under FASB ASC 310-30 (AICPA SOP 03-3). 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 to date. 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 and redemptions, divided by average common shareholders’ equity.

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.

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THE PNC FINANCIAL SERVICES GROUP, INC.

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 plus noncontrolling interests.

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 interest-bearing money market deposits, interest-bearing demand deposits, and noninterest-bearing deposits.

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

Watchlist - A list of criticized loans, credit exposure or other assets compiled for internal monitoring purposes. We define criticized exposure for this purpose as exposure with an internal risk rating of other assets especially mentioned, substandard, doubtful or loss.

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.

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