Financial Supplement (unaudited) for Fourth Quarter

Exhibit 99.1

LOGO

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER AND FULL YEAR 2010

(UNAUDITED)

THE PNC FINANCIAL SERVICES GROUP, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER AND FULL YEAR 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
Nonperforming Assets		7-8
Accruing Loans Past Due		9
Purchase Accounting Accretion		10
Allowances for Credit Losses		11
Net Unfunded Commitments		11
Business Segment Results:
Descriptions		12
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 January 20, 2011. 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 pretax 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, totaled $373 million for 2010 and 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.

BLACKROCK SECONDARY COMMON STOCK OFFERING

During November 2010, BlackRock, Inc. (BlackRock) completed a secondary offering of 58.7 million shares of its common stock at a price per share of $163.00. Of the shares offered, 51.2 million common shares were offered by another BlackRock shareholder and 7.5 million common shares were offered by PNC. We recognized a pretax gain of $160 million in noninterest income during the fourth quarter of 2010 related to our sale of shares of BlackRock stock in this offering. The after-tax impact of this transaction was $102 million for the fourth quarter and full year 2010. The earnings per diluted share impact was $.19 for the fourth quarter and full year 2010. Although we elected to adjust our stake in BlackRock, we continue to consider our investment in BlackRock a key component of our diversified revenue strategy.

THE PNC FINANCIAL SERVICES GROUP, INC.

Consolidated Income Statement (Unaudited)


	Three months ended															Year ended
In millions, except per share data	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009			December 31 2010			December 31 2009
Interest Income
Loans	$	1,962		$	1,996		$	2,158		$	2,160		$	2,160		$	8,276		$	8,919
Investment securities		602			592			572			623			643			2,389			2,688
Other		107			113			143			122			136			485			479

Total interest income		2,671			2,701			2,873			2,905			2,939			11,150			12,086

Interest Expense
Deposits		205			233			244			281			334			963			1,741
Borrowed funds		265			253			194			245			259			957			1,262

Total interest expense		470			486			438			526			593			1,920			3,003

Net interest income		2,201			2,215			2,435			2,379			2,346			9,230			9,083

Noninterest Income
Asset management		303			249			243			259			219			1,054			858
Consumer services		322			328			315			296			315			1,261			1,290
Corporate services		370			183			261			268			260			1,082			1,021
Residential mortgage		157			216			179			147			107			699			990
Service charges on deposits		132			164			209			200			236			705			950
Net gains on sales of securities		68			121			147			90			144			426			550
Net other-than-temporary impairments		(44	)		(71	)		(94	)		(116	)		(144	)		(325	)		(577	)
Gains on BlackRock transactions (a)		160												1,076			160			1,076
Other		234			193			217			240			327			884			987

Total noninterest income		1,702			1,383			1,477			1,384			2,540			5,946			7,145

Total revenue		3,903			3,598			3,912			3,763			4,886			15,176			16,228
Provision For Credit Losses		442			486			823			751			1,049			2,502			3,930
Noninterest Expense
Personnel		1,032			959			959			956			969			3,906			4,119
Occupancy		194			177			172			187			180			730			713
Equipment		176			152			168			172			173			668			695
Marketing		70			81			65			50			59			266			233
Other		868			789			638			748			828			3,043			3,313

Total noninterest expense		2,340			2,158			2,002			2,113			2,209			8,613			9,073

Income from continuing operations before income taxes and noncontrolling interests		1,121			954			1,087			899			1,628			4,061			3,225
Income taxes		301			179			306			251			525			1,037			867

Income from continuing operations before noncontrolling interests		820			775			781			648			1,103			3,024			2,358
Income from discontinued operations (net of income taxes of zero, $311, $13, $14, $32, $338, and $54) (b)					328			22			23			4			373			45

Net income		820			1,103			803			671			1,107			3,397			2,403

Less: Net income (loss) attributable to noncontrolling interests		(3	)		2			(9	)		(5	)		(37	)		(15	)		(44	)
Preferred stock dividends		24			4			25			93			119			146			388
Preferred stock discount accretion and redemptions		1			3			1			250			14			255			56

Net income attributable to common shareholders	$	798		$	1,094		$	786		$	333		$	1,011		$	3,011		$	2,003

Basic Earnings Per Common Share
Continuing operations	$	1.52		$	1.45		$	1.45		$	.62		$	2.18		$	5.08		$	4.30
Discontinued operations					.63			.04			.05			.01			.72			.10

Net income	$	1.52		$	2.08		$	1.49		$	.67		$	2.19		$	5.80		$	4.40
Diluted Earnings Per Common Share
Continuing operations	$	1.50		$	1.45		$	1.43		$	.61		$	2.16		$	5.02		$	4.26
Discontinued operations					.62			.04			.05			.01			.72			.10

Net income	$	1.50		$	2.07		$	1.47		$	.66		$	2.17		$	5.74		$	4.36
Average Common Shares Outstanding
Basic		524			523			524			498			460			517			454
Diluted		526			526			527			500			462			520			455

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

Noninterest income to total revenue		44	%		38	%		38	%		37	%		52	%		39	%		44	%

Effective tax rate (c)		26.9	%		18.8	%		28.2	%		27.9	%		32.2	%		25.5	%		26.9	%

(a)

See “BlackRock Secondary Common Stock Offering” on the table of contents page of this Financial Supplement regarding our fourth quarter 2010 gain on the sale of a portion of our shares of BlackRock stock. On December 1, 2009, BlackRock acquired Barclays Global Investors in exchange for cash and BlackRock common and participating preferred stock. The after-tax impact of the increase in BlackRock’s equity resulting from the value of BlackRock shares issued in connection with this transaction to our net income was $687 million for the fourth quarter and full year 2009. The earnings per diluted share impact was $1.49 for the fourth quarter of 2009 and $1.51 million for full year 2009.

(b)

Includes results of operations for GIS through June 30, 2010 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 full year 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	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Assets
Cash and due from banks (a)	$	3,297		$	3,724		$	3,558		$	3,563		$	4,288
Federal funds sold and resale agreements (b)		3,704			2,094			2,209			1,367			2,390
Trading securities		1,826			955			882			1,595			2,124
Interest-earning deposits with banks (a)		1,610			415			5,028			607			4,488
Loans held for sale (b)		3,492			3,275			2,756			2,691			2,539
Investment securities (a)		64,262			63,461			53,717			57,606			56,027
Loans (a) (b)		150,595			150,127			154,342			157,266			157,543
Allowance for loan and lease losses (a)		(4,887	)		(5,231	)		(5,336	)		(5,319	)		(5,072	)

Net loans		145,708			144,896			149,006			151,947			152,471
Goodwill		8,149			8,166			9,410			9,425			9,505
Other intangible assets		2,604			2,352			2,728			3,289			3,404
Equity investments (a)		9,220			10,137			10,159			10,256			10,254
Other (a) (b)		20,412			20,658			22,242			23,050			22,373

Total assets	$	264,284		$	260,133		$	261,695		$	265,396		$	269,863


Liabilities
Deposits
Noninterest-bearing	$	50,019		$	46,065		$	44,312		$	43,122		$	44,384
Interest-bearing		133,371			133,118			134,487			139,401			142,538

Total deposits		183,390			179,183			178,799			182,523			186,922
Borrowed funds
Federal funds purchased and repurchase agreements		4,144			4,661			3,690			5,511			3,998
Federal Home Loan Bank borrowings		6,043			7,106			8,119			8,700			10,761
Bank notes and senior debt		12,904			13,508			12,617			12,638			12,362
Subordinated debt		9,842			10,023			10,184			10,001			9,907
Other (a)		6,555			4,465			5,817			5,611			2,233

Total borrowed funds		39,488			39,763			40,427			42,461			39,261
Allowance for unfunded loan commitments and letters of credit		188			193			218			252			296
Accrued expenses (a)		3,188			3,134			2,757			2,939			3,590
Other (a)		5,192			5,194			8,504			7,787			7,227

Total liabilities		231,446			227,467			230,705			235,962			237,296


Equity
Preferred stock (c)
Common stock - $5 par value
Authorized 800 shares, issued 536, 536, 535, 535, and 471 shares		2,682			2,680			2,678			2,676			2,354
Capital surplus - preferred stock		647			646			646			645			7,974
Capital surplus - common stock and other		12,057			12,008			11,979			11,945			8,945
Retained earnings		15,859			15,114			14,073			13,340			13,144
Accumulated other comprehensive income (loss)		(431	)		146			(442	)		(1,288	)		(1,962	)
Common stock held in treasury at cost: 10, 10, 10, 9, and 9 shares		(572	)		(552	)		(557	)		(500	)		(513	)

Total shareholders’ equity		30,242			30,042			28,377			26,818			29,942
Noncontrolling interests		2,596			2,624			2,613			2,616			2,625

Total equity		32,838			32,666			30,990			29,434			32,567

Total liabilities and equity	$	264,284		$	260,133		$	261,695		$	265,396		$	269,863

Capital Ratios
Tier 1 common (d)		9.8	%		9.6	%		8.3	%		7.9	%		6.0	%
Tier 1 risk-based (d)		12.1			11.9			10.7			10.3			11.4
Total risk-based (d)		15.6			15.6			14.3			13.9			15.0
Leverage (d)		10.3			9.9			9.1			8.8			10.1
Common shareholders’ equity to assets		11.2			11.3			10.6			10.0			8.2

(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 2010 Form 10-K will include additional information regarding these items. Also includes our equity interest in BlackRock under Equity investments.

(b)	Amounts include assets for which PNC has elected the fair value option. Our third quarter 2010 Form 10-Q included, and our 2010 Form 10-K will include, additional information regarding these items.

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

(d)	The ratio as of December 31, 2010 is estimated.

Page 2

THE PNC FINANCIAL SERVICES GROUP, INC.

Average Consolidated Balance Sheet (Unaudited)


	Three months ended															Year ended
In millions	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009			December 31 2010			December 31 2009
Assets
Interest-earning assets:
Investment securities
Securities available for sale
Residential mortgage-backed
Agency	$	28,457		$	22,916		$	20,382		$	21,926		$	22,663		$	23,437		$	21,889
Non-agency		8,495			8,917			9,358			10,213			10,788			9,240			11,993
Commercial mortgage-backed		3,325			3,100			2,962			5,357			5,053			3,679			4,748
Asset-backed		2,824			2,436			1,695			1,992			1,927			2,240			1,963
US Treasury and government agencies		6,250			7,758			8,708			7,493			6,403			7,549			4,477
State and municipal		1,732			1,323			1,356			1,365			1,346			1,445			1,354
Other debt		3,618			3,092			2,526			1,874			1,948			2,783			1,327
Corporate stocks and other		418			472			446			457			362			448			398

Total securities available for sale		55,119			50,014			47,433			50,677			50,490			50,821			48,149
Securities held to maturity
Commercial mortgage-backed		4,311			4,130			4,264			2,110			2,006			3,711			1,990
Asset-backed		2,849			3,435			3,697			3,665			2,849			3,409			2,085
Other		10			9			21			160			159			49			71

Total securities held to maturity		7,170			7,574			7,982			5,935			5,014			7,169			4,146

Total investment securities		62,289			57,588			55,415			56,612			55,504			57,990			52,295
Loans
Commercial		54,065			53,502			54,349			55,464			55,633			54,339			61,183
Commercial real estate		18,555			19,847			20,963			22,423			23,592			20,435			24,775
Equipment lease financing		6,375			6,514			6,080			6,131			6,164			6,276			6,201
Consumer		54,741			55,036			54,939			55,349			52,911			55,015			52,368
Residential mortgage		16,145			16,766			18,576			19,397			19,891			17,709			21,116

Total loans		149,881			151,665			154,907			158,764			158,191			153,774			165,643
Loans held for sale		3,331			3,021			2,646			2,476			2,949			2,871			3,976
Federal funds sold and resale agreements		2,130			1,602			2,193			1,669			1,700			1,899			1,865
Other		6,164			9,801			9,419			7,471			12,654			8,215			14,708

Total interest-earning assets		223,795			223,677			224,580			226,992			230,998			224,749			238,487
Noninterest-earning assets:
Allowance for loan and lease losses		(5,039	)		(5,290	)		(5,113	)		(5,136	)		(4,517	)		(5,144	)		(4,316	)
Cash and due from banks		3,516			3,436			3,595			3,735			3,657			3,569			3,648
Other		41,286			42,756			41,304			41,557			41,740			41,728			39,057

Total assets	$	263,558		$	264,579		$	264,366		$	267,148		$	271,878		$	264,902		$	276,876

Page 3

THE PNC FINANCIAL SERVICES GROUP, INC.

Average Consolidated Balance Sheet (Unaudited) (Continued)


	Three months ended										Year ended
In millions	December 31 2010		September 30 2010		June 30 2010		March 31 2010		December 31 2009		December 31 2010		December 31 2009
Liabilities and Equity
Interest-bearing liabilities:
Interest-bearing deposits
Money market	$	58,436	$	58,016	$	58,679	$	57,923	$	56,298	$	58,264	$	55,326
Demand		25,388		25,078		24,953		24,672		24,223		25,025		23,477
Savings		7,221		7,092		7,075		6,623		6,381		7,005		6,495
Retail certificates of deposit		39,201		41,724		43,745		47,162		49,645		42,933		54,584
Other time		598		740		881		1,039		1,389		813		5,009
Time deposits in foreign offices		2,799		2,650		2,661		3,034		4,013		2,785		3,637

Total interest-bearing deposits		133,643		135,300		137,994		140,453		141,949		136,825		148,528
Borrowed funds
Federal funds purchased and repurchase agreements		4,552		4,179		4,159		4,344		4,046		4,309		4,439
Federal Home Loan Bank borrowings		6,168		7,680		8,575		9,603		10,880		7,996		14,177
Bank notes and senior debt		13,073		12,799		12,666		12,616		12,327		12,790		12,981
Subordinated debt		9,490		9,569		9,764		9,769		9,879		9,647		10,191
Other		4,947		4,886		6,005		5,934		2,448		5,438		2,345

Total borrowed funds		38,230		39,113		41,169		42,266		39,580		40,180		44,133

Total interest-bearing liabilities		171,873		174,413		179,163		182,719		181,529		177,005		192,661
Noninterest-bearing liabilities and equity:
Noninterest-bearing deposits		47,998		45,306		44,308		42,631		44,325		45,076		41,416
Allowance for unfunded loan commitments and letters of credit		193		218		251		295		324		239		328
Accrued expenses and other liabilities		10,506		12,687		10,446		10,401		13,353		11,015		12,179
Equity		32,988		31,955		30,198		31,102		32,347		31,567		30,292

Total liabilities and equity	$	263,558	$	264,579	$	264,366	$	267,148	$	271,878	$	264,902	$	276,876


Supplemental Average Balance Sheet Information (Unaudited)

Deposits and Common Shareholders’ Equity
Interest-bearing deposits	$	133,643	$	135,300	$	137,994	$	140,453	$	141,949	$	136,825	$	148,528
Noninterest-bearing deposits		47,998		45,306		44,308		42,631		44,325		45,076		41,416

Total deposits	$	181,641	$	180,606	$	182,302	$	183,084	$	186,274	$	181,901	$	189,944

Transaction deposits	$	131,822	$	128,400	$	127,940	$	125,226	$	124,846	$	128,365	$	120,219

Common shareholders’ equity	$	29,729	$	28,755	$	27,054	$	24,764	$	21,726	$	27,545	$	20,022

Page 4

THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Net Interest Margin (Unaudited) (a)


	Three months ended
	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Average yields/rates
Yield on interest-earning assets
Loans		5.21	%		5.24	%		5.58	%		5.50	%		5.42	%
Investment securities		3.91			4.15			4.17			4.44			4.67
Other		3.61			3.15			3.98			4.26			3.17
Total yield on interest-earning assets		4.76			4.82			5.13			5.17			5.07
Rate on interest-bearing liabilities
Deposits		.61			.68			.71			.81			.93
Borrowed funds		2.74			2.56			1.88			2.33			2.60
Total rate on interest-bearing liabilities		1.08			1.10			.98			1.16			1.30

Interest rate spread		3.68			3.72			4.15			4.01			3.77
Impact of noninterest-bearing sources		.25			.24			.20			.23			.28

Net interest margin (b)		3.93	%		3.96	%		4.35	%		4.24	%		4.05	%


	Year ended
	December 31 2010			December 31 2009
Average yields/rates
Yield on interest-earning assets
Loans		5.42	%		5.41	%
Investment securities		4.16			5.18
Other		3.74			2.37
Total yield on interest-earning assets		5.00			5.10
Rate on interest-bearing liabilities
Deposits		.70			1.17
Borrowed funds		2.39			2.93
Total rate on interest-bearing liabilities		1.09			1.58

Interest rate spread		3.91			3.52
Impact of noninterest-bearing sources		.23			.30

Net interest margin (b)		4.14	%		3.82	%

(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 December 31, 2010, September 30, 2010, June 30, 2010, March 31, 2010, and December 31, 2009 were $22 million, $22 million, $19 million, $18 million, and $18 million, respectively. The taxable-equivalent adjustments to net interest income for the year ended December 31, 2010 and December 31, 2009 were $81 million and $65 million, respectively.

(b)	A reconciliation of net interest margin to provision-adjusted net interest margin follows. We believe that provision-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
	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Net interest margin, as reported		3.93	%		3.96	%		4.35	%		4.24	%		4.05	%
Less: provision adjustment		.78			.86			1.47			1.34			1.80

Provision-adjusted net interest margin		3.15	%		3.10	%		2.88	%		2.90	%		2.25	%


	Year ended
	December 31 2010			December 31 2009
Net interest margin, as reported		4.14	%		3.82	%
Less: provision adjustment		1.11			1.65

Provision-adjusted net interest margin		3.03	%		2.17	%

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	December 31 2010		September 30 2010		June 30 2010		March 31 2010		December 31 2009
Commercial
Retail/wholesale	$	9,901	$	9,752	$	9,576	$	9,557	$	9,515
Manufacturing		9,334		9,519		9,728		9,863		9,880
Service providers		8,866		8,747		8,289		8,528		8,256
Real estate related (a)		7,500		7,398		7,269		7,379		7,403
Financial services		4,573		3,773		4,302		4,654		3,874
Health care		3,481		3,169		3,099		2,998		2,970
Other		11,522		10,830		11,969		11,724		12,920

Total commercial		55,177		53,188		54,232		54,703		54,818

Commercial real estate
Real estate projects		12,211		13,021		13,914		14,535		15,582
Commercial mortgage		5,723		6,070		6,450		7,415		7,549

Total commercial real estate		17,934		19,091		20,364		21,950		23,131

Equipment lease financing		6,393		6,408		6,630		6,111		6,202

TOTAL COMMERCIAL LENDING		79,504		78,687		81,226		82,764		84,151

Consumer
Home equity
Lines of credit		23,473		23,770		23,901		24,040		24,236
Installment		10,753		10,815		11,060		11,390		11,711
Education		9,196		8,819		8,867		8,320		7,468
Automobile		2,983		2,863		2,697		2,206		2,013
Credit card		3,920		3,883		3,967		4,012		2,569
Other		4,767		4,806		4,787		5,266		5,585

Total consumer		55,092		54,956		55,279		55,234		53,582

Residential real estate
Residential mortgage		15,292		15,708		16,618		17,599		18,190
Residential construction		707		776		1,219		1,669		1,620

Total residential real estate		15,999		16,484		17,837		19,268		19,810

TOTAL CONSUMER LENDING		71,091		71,440		73,116		74,502		73,392

Total (b)	$	150,595	$	150,127	$	154,342	$	157,266	$	157,543

(a) Includes loans to customers in the real estate and construction industries.
(b) Includes purchased impaired loans related to National City:	$	7,780	$	8,130	$	9,127	$	9,673	$	10,287

Details of Loans Held for Sale (Unaudited)


In millions	December 31 2010		September 30 2010		June 30 2010		March 31 2010		December 31 2009
Commercial mortgage	$	1,207	$	1,381	$	1,239	$	1,316	$	1,301
Residential mortgage		1,890		1,786		1,336		1,158		1,012
Other		395		108		181		217		226

Total	$	3,492	$	3,275	$	2,756	$	2,691	$	2,539

Page 6

THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Nonperforming Assets (Unaudited)

Nonperforming Assets by Type


In millions	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Nonperforming loans
Commercial
Retail/wholesale	$	197		$	219		$	242		$	246		$	231
Manufacturing		250			266			312			341			423
Real estate related (a)		263			338			405			460			419
Financial services		16			36			60			77			117
Health care		50			59			55			48			41
Other		477			612			619			661			575

Total commercial		1,253			1,530			1,693			1,833			1,806

Commercial real estate
Real estate projects		1,422			1,562			1,661			1,797			1,754
Commercial mortgage		413			427			420			419			386

Total commercial real estate		1,835			1,989			2,081			2,216			2,140

Equipment lease financing		77			104			114			123			130

TOTAL COMMERCIAL LENDING		3,165			3,623			3,888			4,172			4,076

Consumer
Home equity		448			406			405			337			356
Other		35			38			25			35			36

Total consumer		483			444			430			372			392
Residential real estate
Residential mortgage		764			727			713			968			955
Residential construction		54			42			79			249			248

Total residential real estate		818			769			792			1,217			1,203

TOTAL CONSUMER LENDING		1,301			1,213			1,222			1,589			1,595

Total nonperforming loans (b) (c) (d) (e)		4,466			4,836			5,110			5,761			5,671

Foreclosed and other assets
Commercial lending		353			366			293			328			266
Consumer lending		482			467			501			451			379

Total foreclosed and other assets		835			833			794			779			645

Total nonperforming assets	$	5,301		$	5,669		$	5,904		$	6,540		$	6,316

Nonperforming loans to total loans		2.97	%		3.22	%		3.31	%		3.66	%		3.60	%
Nonperforming assets to total loans and foreclosed and other assets		3.50			3.76			3.81			4.14			3.99
Nonperforming assets to total assets		2.01			2.18			2.26			2.46			2.34
Allowance for loan and lease losses to nonperforming loans (e) (f)		109			108			104			92			89

(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 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 $768 million at December 31, 2010, $595 million at September 30, 2010, $500 million at June 30, 2010, $385 million at March 31, 2010, and $440 million at December 31, 2009. Purchased impaired loans are excluded from TDRs.

(c)	TDRs returned to performing (accrual) status totaled $543 million at December 31, 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 $331 million at December 31, 2010 and are TDRs. However, since our policy is to exempt these loans from being placed on nonaccrual status as permitted by regulatory guidance as generally these loans are directly charged off in the period that they become 180 days past due, these loans are excluded from nonperforming loans.

(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 10, note (a).

Page 7

THE PNC FINANCIAL SERVICES GROUP, INC.

Details of Nonperforming Assets (Unaudited) (Continued)

Change in Nonperforming Assets


In millions	January 1, 2010 - December 31, 2010			October 1, 2010 - December 31, 2010			July 1, 2010 - September 30, 2010			April 1, 2010 - June 30, 2010			January 1, 2010 - March 31, 2010
Beginning balance	$	6,316		$	5,669		$	5,904		$	6,540		$	6,316
Transferred in		5,279			1,125			1,369			1,011			1,774
Charge-offs/valuation adjustments		(2,071	)		(467	)		(452	)		(532	)		(620	)
Principal activity including payoffs		(1,316	)		(377	)		(365	)		(296	)		(278	)
Asset sales and transfers to held for sale		(1,446	)		(410	)		(351	)		(420	)		(265	)
Returned to performing - TDRs		(543	)		(118	)		(96	)		(112	)		(217	)
Returned to performing - Other		(918	)		(121	)		(340	)		(287	)		(170	)

Ending balance	$	5,301		$	5,301		$	5,669		$	5,904		$	6,540

Largest Individual Nonperforming Assets at December 31, 2010 (a)


In millions
Ranking		Outstandings		Industry
	1	$	35	Accommodation and Food Services
	2		29	Real Estate and Rental and Leasing
	3		23	Construction
	4		23	Real Estate and Rental and Leasing
	5		23	Real Estate and Rental and Leasing
	6		22	Real Estate and Rental and Leasing
	7		21	Real Estate and Rental and Leasing
	8		20	Real Estate and Rental and Leasing
	9		19	Information
	10		19	Real Estate and Rental and Leasing

	Total	$	234

As a percent of total nonperforming assets					4%

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

Page 8

THE PNC FINANCIAL SERVICES GROUP, INC.

Accruing Loans Past Due (Unaudited)

Accruing Loans Past Due 30 To 89 Days (a)


	Amount										Percent of Outstandings
Dollars in millions	Dec. 31 2010		Sept. 30 2010		June 30 2010		March 31 2010		Dec. 31 2009		Dec. 31 2010			Sept. 30 2010			June 30 2010			March 31 2010			Dec. 31 2009
Commercial	$	353	$	293	$	501	$	622	$	684		.64	%		.55	%		.93	%		1.15	%		1.26	%
Commercial real estate		190		353		535		859		666		1.13			1.97			2.81			4.19			3.10
Equipment lease financing		39		10		21		97		128		.61			.16			.32			1.59			2.06
Consumer		444		430		419		440		438		.86			.83			.81			.85			.87
Residential real estate		333		347		392		464		472		2.68			2.70			2.92			3.14			3.12

Total	$	1,359	$	1,433	$	1,868	$	2,482	$	2,388		.95			1.01			1.29			1.68			1.62

Accruing Loans Past Due 90 Days Or More (a)


	Amount										Percent of Outstandings
Dollars in millions	Dec. 31 2010		Sept. 30 2010		June 30 2010		March 31 2010		Dec. 31 2009		Dec. 31 2010			Sept. 30 2010			June 30 2010			March 31 2010			Dec. 31 2009
Commercial	$	69	$	90	$	110	$	201	$	188		.13	%		.17	%		.20	%		.37	%		.35	%
Commercial real estate		43		58		83		111		150		.26			.32			.44			.54			.70
Equipment lease financing		1		4		4		2		6		.02			.06			.06			.03			.10
Consumer		269		270		225		248		226		.52			.52			.43			.48			.45
Residential real estate		160		179		177		284		314		1.50			1.60			1.51			1.92			2.07

Total	$	542	$	601	$	599	$	846	$	884		.39			.43			.42			.57			.60

Accruing Loans Past Due 30 To 59 Days (a)


	Amount				Percent of Outstandings
Dollars in millions	Dec. 31 2010		Dec. 31 2009		Dec. 31 2010			Dec. 31 2009
Commercial	$	257	$	488		.47	%		.90	%
Commercial real estate		128		461		.76			2.14
Equipment lease financing		37		106		.58			1.71
Consumer		293		283		.56			.57
Residential real estate		226		308		1.80			2.01

Total	$	941	$	1,646		.66			1.12

Accruing Loans Past Due 60 To 89 Days (a)


	Amount				Percent of Outstandings
Dollars in millions	Dec. 31 2010		Dec. 31 2009		Dec. 31 2010			Dec. 31 2009
Commercial	$	96	$	195		.17	%		.36	%
Commercial real estate		62		204		.37			.95
Equipment lease financing		2		22		.03			.35
Consumer		151		157		.29			.31
Residential real estate		107		164		.85			1.09

Total	$	418	$	742		.29			.50

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

Page 9

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						December 31, 2010
Dollars in billions	Balance			Net Investment			Balance			Net Investment			Balance			Net Investment			Balance			Net Investment
Commercial and commercial real estate loans:
Unpaid principal balance	$	6.3					$	3.5					$	2.2					$	1.8
Purchased impaired mark		(3.4	)					(1.3	)					(.7	)					(.4	)

Recorded investment		2.9						2.2						1.5						1.4
Allowance for loan losses								(.2	)					(.3	)					(.3	)

Net investment		2.9			46	%		2.0			57	%		1.2			55	%		1.1			61	%

Consumer and residential mortgage loans:
Unpaid principal balance		15.6						11.7						8.4						7.9
Purchased impaired mark		(5.8	)					(3.6	)					(1.8	)					(1.5	)

Recorded investment		9.8						8.1						6.6						6.4
Allowance for loan losses								(.3	)					(.6	)					(.6	)

Net investment		9.8			63	%		7.8			67	%		6.0			71	%		5.8			73	%


Total purchased impaired loans:
Unpaid principal balance		21.9						15.2						10.6						9.7
Purchased impaired mark		(9.2	)					(4.9	)					(2.5	)					(1.9	)

Recorded investment		12.7						10.3						8.1						7.8
Allowance for loan losses								(.5	)					(.9	)					(.9	)(a)

Net investment	$	12.7			58	%	$	9.8			64	%	$	7.2			68	%	$	6.9			71	%

PURCHASE ACCOUNTING ACCRETION


	Three months ended									Years Ended
In millions	December 31 2009			September 30 2010			December 31 2010			December 31 2009			December 31 2010
Non-impaired loans	$	111		$	70		$	73		$	773		$	366
Impaired loans		244			187			175			914			885
Reversal of contractual interest on impaired loans		(168	)		(138	)		(121	)		(752	)		(529	)

Net impaired loans		76			49			54			162			356
Securities		21			15			15			118			54
Deposits		189			122			112			996			545
Borrowings		(55	)		(42	)		(43	)		(250	)		(155	)

Total	$	342		$	214		$	211		$	1,799		$	1,166


Cash received in excess of recorded investment from sales or payoffs of impaired commercial loans (cash recoveries)	$	154		$	111		$	133		$	204		$	483

REMAINING PURCHASE ACCOUNTING ACCRETION


In billions	December 31 2008			December 31 2009			September 30 2010			December 31 2010
Non-impaired loans	$	2.4		$	1.6		$	1.3		$	1.2
Impaired loans (b)		3.7			3.5			2.3			2.2

Total loans (gross)		6.1			5.1			3.6			3.4
Securities		.2			.1			.1			.1
Deposits		2.1			1.0			.6			.5
Borrowings		(1.5	)		(1.2	)		(1.1	)		(1.1	)

Total	$	6.9		$	5.0		$	3.2		$	2.9

ACCRETABLE NET INTEREST - PURCHASED IMPAIRED LOANS


In billions				In billions				In billions
October 1, 2010	$	2.3		January 1, 2010	$	3.5		January 1, 2009	$	3.7
Accretion		(.2	)	Accretion		(.9	)	Accretion		(1.8	)
Cash recoveries		(.2	)	Cash recoveries		(.5	)	Cash recoveries		(.7	)(a)
Net reclass to accretable difference and other activity		.3		Net reclass to accretable difference and other activity		.1		Net reclass to accretable difference and other activity		1.0	(a)

December 31, 2010	$	2.2		December 31, 2010	$	2.2		December 31, 2010	$	2.2

(a)

Impairment reserves of $.9 billion at December 31, 2010 reflect impaired loans with further credit quality deterioration since acquisition. This deterioration was more than offset by cash received to date in excess of recorded investment of $.7 billion and the net reclassification to accretable net interest, to be recognized over time, of $1.0 billion.

(b)

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.

Page 10

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	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Beginning balance	$	5,231		$	5,336		$	5,319		$	5,072		$	4,810
Charge-offs:
Commercial		(331	)		(310	)		(313	)		(273	)		(380	)
Commercial real estate		(181	)		(102	)		(149	)		(238	)		(260	)
Equipment lease financing		(29	)		(12	)		(43	)		(36	)		(34	)
Consumer		(259	)		(285	)		(283	)		(242	)		(267	)
Residential real estate		(124	)		(47	)		(197	)		(38	)		(83	)

Total charge-offs		(924	)		(756	)		(985	)		(827	)		(1,024	)
Recoveries:
Commercial		71			80			78			65			87
Commercial real estate		20			14			10			33			15
Equipment lease financing		18			13			13			12			10
Consumer		25			28			31			26			27
Residential real estate		(1	)		7			13						50

Total recoveries		133			142			145			136			189
Net charge-offs:
Commercial		(260	)		(230	)		(235	)		(208	)		(293	)
Commercial real estate		(161	)		(88	)		(139	)		(205	)		(245	)
Equipment lease financing		(11	)		1			(30	)		(24	)		(24	)
Consumer		(234	)		(257	)		(252	)		(216	)		(240	)
Residential real estate		(125	)		(40	)		(184	)		(38	)		(33	)

Total net charge-offs		(791	)		(614	)		(840	)		(691	)		(835	)
Provision for credit losses		442			486			823			751			1,049
Acquired allowance adjustments (a)					(2	)					2			20
Adoption of ASU 2009-17, Consolidations											141
Net change in allowance for unfunded loan commitments and letters of credit		5			25			34			44			28

Ending balance	$	4,887		$	5,231		$	5,336		$	5,319		$	5,072

Supplemental Information
Net charge-offs to average loans (for the three months ended) (annualized)		2.09	%		1.61	%		2.18	%		1.77	%		2.09	%
Allowance for loan and lease losses to total loans		3.25			3.48			3.46			3.38			3.22

Commercial lending net charge-offs	$	(432	)	$	(317	)	$	(404	)	$	(437	)	$	(562	)
Consumer lending net charge-offs		(359	)		(297	)		(436	)		(254	)		(273	)

Total net charge-offs	$	(791	)	$	(614	)	$	(840	)	$	(691	)	$	(835	)

Net charge-offs to average loans
Commercial lending		2.17	%		1.57	%		1.99	%		2.11	%		2.61	%
Consumer lending		2.01			1.64			2.38			1.38			1.49

(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	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Beginning balance	$	193		$	218		$	252		$	296		$	324
Net change in allowance for unfunded loan commitments and letters of credit		(5	)		(25	)		(34	)		(44	)		(28	)

Ending balance	$	188		$	193		$	218		$	252		$	296


Net Unfunded Commitments
In millions	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009
Net unfunded commitments	$	95,805		$	97,147		$	95,775		$	96,363		$	100,795

Page 11

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 internationally.

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 majority or minority owned affiliates. 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 majority or minority owned affiliates are serviced by others.

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.

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 December 31, 2010, our share of BlackRock’s earnings was 19%.

Page 12

THE PNC FINANCIAL SERVICES GROUP, INC.

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


	Three months ended														Year ended
In millions	December 31 2010			September 30 2010			June 30 2010			March 31 2010		December 31 2009			December 31 2010			December 31 2009
Income (Loss)
Retail Banking	$	43		$	(7	)	$	80		$	24	$	(25	)	$	140		$	136
Corporate & Institutional Banking		540			427			443			360		415			1,770			1,190
Asset Management Group		29			44			28			40		23			141			105
Residential Mortgage Banking		3			98			92			82		25			275			435
Distressed Assets Portfolio		(72	)		17			(81	)		72		(88	)		(64	)		84
Other, including BlackRock (b) (c) (d)		277			196			219			70		753			762			408

Income from continuing operations before noncontrolling interests	$	820		$	775		$	781		$	648	$	1,103		$	3,024		$	2,358


Revenue
Retail Banking	$	1,275		$	1,355		$	1,387		$	1,359	$	1,379		$	5,376		$	5,721
Corporate & Institutional Banking		1,371			1,070			1,219			1,248		1,377			4,908			5,266
Asset Management Group		225			217			219			229		218			890			919
Residential Mortgage Banking		229			285			255			234		176			1,003			1,328
Distressed Assets Portfolio		198			244			346			337		221			1,125			1,153
Other, including BlackRock (b) (c) (d)		605			427			486			356		1,515			1,874			1,841

Revenue from continuing operations	$	3,903		$	3,598		$	3,912		$	3,763	$	4,886		$	15,176		$	16,228

(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 2010 Form 10-K 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)

Amounts for the fourth quarter and full year 2010 include the $160 million gain ($102 million after taxes) related to our gain on the sale of a portion of our shares of BlackRock stock as part of BlackRock’s November 2010 secondary offering of common stock and amounts for the fourth quarter and full year 2009 include the $1.076 billion gain ($687 million after taxes) related to BlackRock’s December 1, 2009 acquisition of BGI. PNC sold 7.5 million shares of BlackRock common stock in the November 2010 transaction.


	December 31 2010		September 30 2010		June 30 2010		March 31 2010		December 31 2009
Period-end Employees
Full-time employees
Retail Banking		20,925		21,203		21,380		21,522		21,416
Corporate & Institutional Banking		3,756		3,660		3,601		3,760		3,746
Asset Management Group		3,001		2,971		2,960		2,995		2,969
Residential Mortgage Banking		3,539		3,339		3,348		3,340		3,267
Distressed Assets Portfolio		167		170		179		178		175
Other
Operations & Technology		8,712		8,689		8,949		9,259		9,249
Staff Services and Other (e)		4,717		4,588		9,073		9,059		8,939

Total Other		13,429		13,277		18,022		18,318		18,188

Total full-time employees		44,817		44,620		49,490		50,113		49,761

Retail Banking part-time employees		4,965		4,799		4,790		4,798		4,737
Other part-time employees		987		974		1,104		1,187		1,322

Total part-time employees		5,952		5,773		5,894		5,985		6,059

Total		50,769		50,393		55,384		56,098		55,820

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; and 4,450 at December 31, 2009. We sold GIS effective July 1, 2010.

Page 13

THE PNC FINANCIAL SERVICES GROUP, INC.

Retail Banking (Unaudited) (a)


	Three months ended															Year ended
Dollars in millions	December 31 2010 (b)			September 30 2010 (b)			June 30 2010 (b)			March 31 2010 (b)			December 31 2009			December 31 2010 (b)			December 31 2009 (c)
INCOME STATEMENT
Net interest income	$	825		$	858		$	879		$	871		$	833		$	3,433		$	3,522
Noninterest income
Service charges on deposits		125			157			204			195			229			681			930
Brokerage		51			53			55			53			59			212			245
Consumer services		239			242			223			208			224			912			886
Other		35			45			26			32			34			138			138

Total noninterest income		450			497			508			488			546			1,943			2,199

Total revenue		1,275			1,355			1,387			1,359			1,379			5,376			5,721
Provision for credit losses		157			327			280			339			409			1,103			1,330
Noninterest expense		1,047			1,038			994			975			1,011			4,054			4,169

Pretax earnings (loss)		71			(10	)		113			45			(41	)		219			222
Income taxes (benefit)		28			(3	)		33			21			(16	)		79			86

Earnings (loss)	$	43		$	(7	)	$	80		$	24		$	(25	)	$	140		$	136

AVERAGE BALANCE SHEET
Loans
Consumer
Home equity	$	26,189		$	26,289		$	26,510		$	26,821		$	27,107		$	26,450		$	27,403
Indirect		4,013			3,962			3,944			3,973			3,998			3,973			4,036
Education		8,758			8,817			8,342			8,060			6,656			8,497			5,625
Credit cards		3,827			3,901			3,948			4,079			2,503			3,938			2,239
Other		1,840			1,805			1,776			1,793			1,790			1,804			1,791

Total consumer		44,627			44,774			44,520			44,726			42,054			44,662			41,094
Commercial and commercial real estate		10,928			11,118			11,307			11,487			11,766			11,208			12,306
Floor plan		1,482			1,267			1,299			1,296			1,137			1,336			1,264
Residential mortgage		1,390			1,528			1,683			1,800			1,899			1,599			2,064

Total loans		58,427			58,687			58,809			59,309			56,856			58,805			56,728
Goodwill and other intangible assets		5,803			5,837			5,872			5,935			5,882			5,861			5,842
Other assets		1,738			2,070			2,913			2,722			2,697			2,358			2,750

Total assets	$	65,968		$	66,594		$	67,594		$	67,966		$	65,435		$	67,024		$	65,320

Deposits
Noninterest-bearing demand	$	17,723		$	17,144		$	17,240		$	16,776		$	16,516		$	17,223		$	16,308
Interest-bearing demand		20,140			19,767			19,977			19,212			18,446			19,776			18,357
Money market		40,362			40,148			40,283			39,699			39,374			40,125			39,394

Total transaction deposits		78,225			77,059			77,500			75,687			74,336			77,124			74,059
Savings		7,155			7,029			7,006			6,552			6,577			6,938			6,610
Certificates of deposit		37,949			40,378			42,313			45,614			48,338			41,539			53,145

Total deposits		123,329			124,466			126,819			127,853			129,251			125,601			133,814
Other liabilities		1,106			1,463			1,673			1,671			27			1,477			51
Capital		7,967			8,043			8,326			8,195			8,301			8,132			8,497

Total liabilities and equity	$	132,402		$	133,972		$	136,818		$	137,719		$	137,579		$	135,210		$	142,362

PERFORMANCE RATIOS
Return on average capital		2	%		—	%		4	%		1	%		(1	)%		2	%		2	%
Return on average assets		.26			(.04	)		.47			.14			(.15	)		.21			.21
Noninterest income to total revenue		35			37			37			36			40			36			38
Efficiency		82			77			72			72			73			75			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															Year ended
Dollars in millions, except as noted	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009			December 31 2010			December 31 2009 (a)
OTHER INFORMATION (b)
Credit-related statistics:
Commercial nonperforming assets	$	297		$	262		$	297		$	324		$	324
Consumer nonperforming assets (c)		422			400			336			276			284

Total nonperforming assets	$	719		$	662		$	633		$	600		$	608

Impaired loans (d)	$	895		$	939		$	974		$	1,013		$	1,056

Commercial lending net charge-offs	$	49		$	85		$	100		$	96		$	173		$	330		$	415
Credit card lending net charge-offs (c)		68			63			89			96			57			316			209
Consumer lending (excluding credit card) net charge-offs		108			99			109			108			109			424			402

Total net charge-offs	$	225		$	247		$	298		$	300		$	339		$	1,070		$	1,026

Commercial lending annualized net charge-off ratio		1.57	%		2.72	%		3.18	%		3.05	%		5.32	%		2.63	%		3.06	%
Credit card lending annualized net charge-off ratio (c)		7.05	%		6.41	%		9.04	%		9.54	%		9.03	%		8.02	%		9.33	%
Consumer lending (excluding credit card) annualized net charge-off ratio		1.02	%		.93	%		1.03	%		1.03	%		1.04	%		1.00	%		.98	%

Total annualized net charge-off ratio		1.53	%		1.67	%		2.03	%		2.05	%		2.37	%		1.82	%		1.81	%

Home equity portfolio credit statistics:
% of first lien positions (e)		36	%		35	%		35	%		34	%		35	%
Weighted average loan-to-value ratios (e)		73	%		73	%		73	%		73	%		74	%
Weighted average FICO scores (f)		726			725			727			725			727
Annualized net charge-off ratio		.97	%		.90	%		1.01	%		.70	%		.90	%		.90	%		.75	%
Loans 30 - 89 days past due		.79	%		.79	%		.74	%		.74	%		.78	%
Loans 90 days past due		1.02	%		.94	%		.91	%		.85	%		.76	%

Other statistics:
ATMs		6,673			6,626			6,539			6,467			6,473
Branches (g)		2,470			2,461			2,458			2,461			2,513

Customer-related statistics:
Retail Banking checking relationships (h)		5,465,000			5,438,000			5,389,000			5,379,000			5,390,000
Retail online banking active customers		3,057,000			2,968,000			2,774,000			2,782,000			2,743,000
Retail online bill payment active customers		977,000			942,000			870,000			826,000			780,000

Brokerage statistics:
Financial consultants (i)		694			713			711			722			704
Full service brokerage offices		34			40			41			41			40
Brokerage account assets (billions)	$	33		$	31		$	31		$	33		$	32

(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 and year 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 acquisitions.

(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 have been adjusted to be consistent with the current period presentation. The prior amounts were refined subsequent to the 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															Year ended
Dollars in millions, except as noted	December 31 2010 (g)			September 30 2010 (g)			June 30 2010 (g)			March 31 2010 (g)			December 31 2009			December 31 2010 (g)			December 31 2009
INCOME STATEMENT
Net interest income	$	912		$	833		$	923		$	877		$	1,009		$	3,545		$	3,833
Noninterest income
Corporate service fees		334			148			237			242			235			961			915
Other		125			89			59			129			133			402			518

Noninterest income		459			237			296			371			368			1,363			1,433

Total revenue		1,371			1,070			1,219			1,248			1,377			4,908			5,266
Provision for (recoveries of) credit losses		18			(48	)		97			236			283			303			1,603
Noninterest expense		505			446			421			445			444			1,817			1,800

Pretax earnings		848			672			701			567			650			2,788			1,863
Income taxes		308			245			258			207			235			1,018			673

Earnings	$	540		$	427		$	443		$	360		$	415		$	1,770		$	1,190

AVERAGE BALANCE SHEET
Loans
Commercial	$	31,819		$	32,119		$	32,937		$	34,024		$	33,481		$	32,717		$	37,426
Commercial real estate		15,035			15,897			17,008			17,961			18,747			16,466			19,195
Commercial - real estate related		3,254			3,021			2,901			3,128			3,328			3,076			3,772
Asset-based lending		6,893			6,362			6,065			5,940			6,051			6,318			6,344
Equipment lease financing		5,603			5,747			5,262			5,318			5,368			5,484			5,390

Total loans		62,604			63,146			64,173			66,371			66,975			64,061			72,127
Goodwill and other intangible assets		3,449			3,553			3,660			3,795			3,736			3,613			3,583
Loans held for sale		1,644			1,427			1,408			1,410			1,534			1,473			1,679
Other assets		8,890			8,726			7,711			7,940			7,395			8,320			7,300

Total assets	$	76,587		$	76,852		$	76,952		$	79,516		$	79,640		$	77,467		$	84,689

Deposits
Noninterest-bearing demand	$	27,544		$	25,259		$	23,715		$	22,271		$	23,484		$	24,713		$	19,948
Money market		11,880			12,105			12,380			12,253			10,573			12,153			9,697
Other		6,632			6,833			6,856			7,610			8,728			6,980			7,911

Total deposits		46,056			44,197			42,951			42,134			42,785			43,846			37,556
Other liabilities		13,155			12,937			10,797			10,870			8,408			11,949			9,118
Capital		7,613			7,237			7,913			7,633			7,916			7,598			7,837

Total liabilities and equity	$	66,824		$	64,371		$	61,661		$	60,637		$	59,109		$	63,393		$	54,511

PERFORMANCE RATIOS
Return on average capital		28	%		23	%		22	%		19	%		21	%		23	%		15	%
Return on average assets		2.80			2.20			2.31			1.84			2.07			2.28			1.41
Noninterest income to total revenue		33			22			24			30			27			28			27
Efficiency		37			42			35			36			32			37			34

COMMERCIAL MORTGAGE
SERVICING PORTFOLIO (in billions)
Beginning of period	$	263		$	265		$	282		$	287		$	275		$	287		$	270
Acquisitions/additions		12			8			7			8			19			35			50
Repayments/transfers		(9	)		(10	)		(24	)		(13	)		(7	)		(56	)		(33	)

End of period	$	266		$	263		$	265		$	282		$	287		$	266		$	287

OTHER INFORMATION
Consolidated revenue from: (b)
Treasury Management	$	306		$	319		$	302		$	298		$	296		$	1,225		$	1,137
Capital Markets	$	207		$	119		$	128		$	164		$	187		$	618		$	533
Commercial mortgage loans held for sale (c)	$	9		$	24		($	2	)	$	27		$	67		$	58		$	205
Commercial mortgage loan servicing (d)		107			(40	)		49			88			66			204			280

Total commercial mortgage banking activities	$	116		$	(16	)	$	47		$	115		$	133		$	262		$	485
Total loans (e)	$	63,609		$	62,388		$	63,910		$	65,076		$	66,206
Credit-related statistics:
Nonperforming assets (e)	$	2,594		$	3,064		$	3,103		$	3,343		$	3,167
Impaired loans (e) (f)	$	714		$	890		$	923		$	1,033		$	1,075
Net charge-offs	$	349		$	211		$	243		$	271		$	341		$	1,074		$	1,052
Net carrying amount of commercial mortgage servicing rights (e)	$	665		$	616		$	722		$	921		$	921

(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 acquisitions.

(g)	Reflects the impact of consolidating Market Street Funding LLC in our financial statements effective January 1, 2010 which for the year ended December 31, 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															Year ended
Dollars in millions, except as noted	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009			December 31 2010			December 31 2009
INCOME STATEMENT
Net interest income	$	66		$	67		$	65		$	65		$	67		$	263		$	308
Noninterest income		159			150			154			164			151			627			611

Total revenue		225			217			219			229			218			890			919
Provision for (recoveries of) credit losses		9			(12	)		14			9			25			20			97
Noninterest expense		170			160			160			157			155			647			654

Pretax earnings		46			69			45			63			38			223			168
Income taxes		17			25			17			23			15			82			63

Earnings	$	29		$	44		$	28		$	40		$	23		$	141		$	105

AVERAGE BALANCE SHEET
Loans
Consumer	$	4,084		$	4,021		$	4,004		$	3,994		$	4,044		$	4,026		$	3,957
Commercial and commercial real estate		1,499			1,520			1,491			1,496			1,511			1,501			1,639
Residential mortgage		723			802			915			964			1,000			850			1,078

Total loans		6,306			6,343			6,410			6,454			6,555			6,377			6,674
Goodwill and other intangible assets		384			394			403			415			416			399			407
Other assets		271			235			248			227			209			246			239

Total assets	$	6,961		$	6,972		$	7,061		$	7,096		$	7,180		$	7,022		$	7,320

Deposits
Noninterest-bearing demand	$	1,432		$	1,364		$	1,268		$	1,229		$	1,127		$	1,324		$	1,091
Interest-bearing demand		2,033			1,869			1,735			1,699			1,674			1,835			1,582
Money market		3,393			3,258			3,261			3,217			3,134			3,283			3,208

Total transaction deposits		6,858			6,491			6,264			6,145			5,935			6,442			5,881
Certificates of deposit and other		694			715			769			818			918			748			1,076

Total deposits		7,552			7,206			7,033			6,963			6,853			7,190			6,957
Other liabilities		74			80			92			111			114			89			104
Capital		502			512			567			553			531			534			569

Total liabilities and equity	$	8,128		$	7,798		$	7,692		$	7,627		$	7,498		$	7,813		$	7,630

PERFORMANCE RATIOS
Return on average capital		23	%		34	%		20	%		29	%		17	%		26	%		18	%
Return on average assets		1.65			2.50			1.59			2.29			1.27			2.01			1.43
Noninterest income to total revenue		71			69			70			72			69			70			66
Efficiency		76			74			73			69			71			73			71

OTHER INFORMATION
Total nonperforming assets (b)	$	90		$	102		$	114		$	139		$	155
Impaired loans (b) (c)	$	146		$	155		$	182		$	191		$	198
Total net charge-offs	$	21		$	1		$	16		$	4		$	22		$	42		$	63

ASSETS UNDER ADMINISTRATION (in billions) (b) (d)
Personal	$	99		$	95		$	92		$	96		$	94
Institutional		113			111			107			113			111

Total	$	212		$	206		$	199		$	209		$	205

Asset Type
Equity	$	115		$	107		$	98		$	104		$	100
Fixed income		63			66			64			59			58
Liquidity/Other		34			33			37			46			47

Total	$	212		$	206		$	199		$	209		$	205

Discretionary assets under management
Personal	$	69		$	67		$	65		$	69		$	67
Institutional		39			38			34			36			36

Total	$	108		$	105		$	99		$	105		$	103

Asset Type
Equity	$	55		$	51		$	46		$	51		$	49
Fixed income		36			38			36			35			34
Liquidity/Other		17			16			17			19			20

Total	$	108		$	105		$	99		$	105		$	103

Nondiscretionary assets under administration
Personal	$	30		$	28		$	27		$	27		$	27
Institutional		74			73			73			77			75

Total	$	104		$	101		$	100		$	104		$	102

Asset Type
Equity	$	60		$	56		$	52		$	53		$	51
Fixed income		27			28			28			24			24
Liquidity/Other		17			17			20			27			27

Total	$	104		$	101		$	100		$	104		$	102

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

(b)	As of period end.

(c)	Recorded investment of purchased impaired loans related to acquisitions.

(d)	Excludes brokerage account assets.

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THE PNC FINANCIAL SERVICES GROUP, INC.

Residential Mortgage Banking (Unaudited) (a)


	Three months ended															Year ended
Dollars in millions, except as noted	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009			December 31 2010			December 31 2009
INCOME STATEMENT
Net interest income	$	61		$	53		$	73		$	80		$	71		$	267		$	332
Noninterest income
Loan servicing revenue
Servicing fees		46			61			66			69			51			242			222
Net MSR hedging gains		47			86			66			46			35			245			355
Loan sales revenue		66			77			49			39			26			231			435
Other		9			8			1						(7	)		18			(16	)

Total noninterest income		168			232			182			154			105			736			996

Total revenue		229			285			255			234			176			1,003			1,328
Provision for (recoveries of) credit losses		8			21			(8	)		(16	)		(7	)		5			(4	)
Noninterest expense		216			119			109			121			142			565			632

Pretax earnings		5			145			154			129			41			433			700
Income taxes		2			47			62			47			16			158			265

Earnings	$	3		$	98		$	92		$	82		$	25		$	275		$	435

AVERAGE BALANCE SHEET
Portfolio loans	$	2,667		$	2,572		$	2,540		$	2,820		$	2,479		$	2,649		$	1,957
Loans held for sale		1,731			1,427			1,148			974			1,333			1,322			2,204
Mortgage servicing rights (MSR)		863			863			1,084			1,264			1,236			1,017			1,297
Other assets		5,008			4,302			3,914			3,797			3,761			4,259			2,962

Total assets	$	10,269		$	9,164		$	8,686		$	8,855		$	8,809		$	9,247		$	8,420

Deposits	$	2,089		$	2,108		$	3,088		$	3,602		$	3,628		$	2,716		$	4,135
Borrowings and other liabilities		3,444			2,740			2,817			2,279			3,110			2,823			2,924
Capital		842			880			1,309			1,781			1,471			1,200			1,359

Total liabilities and equity	$	6,375		$	5,728		$	7,214		$	7,662		$	8,209		$	6,739		$	8,418

PERFORMANCE RATIOS
Return on average capital		1	%		44	%		28	%		19	%		7	%		23	%		32	%
Return on average assets		.12			4.24			4.25			3.76			1.13			2.97			5.17
Noninterest income to total revenue		73			81			71			66			60			73			75
Efficiency		94			42			43			52			81			56			48

OTHER INFORMATION
Servicing portfolio for others (in billions) (b)	$	125		$	131		$	137		$	141		$	145
Fixed rate		89	%		89	%		89	%		89	%		88	%
Adjustable rate/balloon		11	%		11	%		11	%		11	%		12	%
Weighted average interest rate		5.62	%		5.69	%		5.74	%		5.79	%		5.82	%
MSR capitalized value (in billions)	$	1.0		$	.8		$	1.0		$	1.3		$	1.3
MSR capitalization value (in basis points)		82			60			71			90			91
Weighted average servicing fee (in basis points)		30			30			30			30			30
Loan origination volume (in billions)	$	3.5		$	2.7		$	2.3		$	2.0		$	2.3		$	10.5		$	19.1
Percentage of originations represented by:
Agency and government programs		99	%		99	%		99	%		98	%		96	%		99	%		97	%
Refinance volume		83	%		76	%		58	%		73	%		59	%		74	%		72	%
Total nonperforming assets (b)	$	349		$	327		$	326		$	418		$	370
Impaired loans (b) (c)	$	161		$	173		$	168		$	298		$	369

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

(b)	As of period end.

(c)	Recorded investment of purchased impaired loans related to acquisitions.

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THE PNC FINANCIAL SERVICES GROUP, INC.

Distressed Assets Portfolio (Unaudited) (a)


	Three months ended															Year ended
Dollars in millions, except as noted	December 31 2010			September 30 2010			June 30 2010			March 31 2010			December 31 2009			December 31 2010			December 31 2009
INCOME STATEMENT
Net interest income	$	253		$	279		$	347		$	338		$	218		$	1,217		$	1,079
Noninterest income		(55	)		(35	)		(1	)		(1	)		3			(92	)		74

Total revenue		198			244			346			337			221			1,125			1,153
Provision for credit losses		231			176			404			165			314			976			771
Noninterest expense		81			46			65			58			49			250			246

Pretax earnings (loss)		(114	)		22			(123	)		114			(142	)		(101	)		136
Income taxes (benefit)		(42	)		5			(42	)		42			(54	)		(37	)		52

Earnings (loss)	$	(72	)	$	17		$	(81	)	$	72		$	(88	)	$	(64	)	$	84

AVERAGE BALANCE SHEET
Commercial lending:
Commercial/Commercial real estate	$	1,840		$	2,088		$	2,442		$	2,599		$	2,812		$	2,240		$	3,384
Equipment lease financing		759			753			807			803			800			781			818

Total commercial lending		2,599			2,841			3,249			3,402			3,612			3,021			4,202

Consumer lending:
Consumer		5,903			6,144			6,350			6,573			6,698			6,240			7,101
Residential real estate		6,845			7,205			8,120			8,190			8,574			7,585			9,813

Total consumer lending		12,748			13,349			14,470			14,763			15,272			13,825			16,914

Total loans		15,347			16,190			17,719			18,165			18,884			16,846			21,116
Other assets		15			555			797			1,342			1,633			671			1,728

Total assets	$	15,362		$	16,745		$	18,516		$	19,507		$	20,517		$	17,517		$	22,844

Deposits				$	2		$	180		$	85		$	29		$	64		$	39
Other liabilities	$	109			102			77			55			70			90			92
Capital		1,231			1,187			1,514			1,353			1,568			1,321			1,574

Total liabilities and equity	$	1,340		$	1,291		$	1,771		$	1,493		$	1,667		$	1,475		$	1,705

PERFORMANCE RATIOS
Return on average capital		(23	)%		6	%		(21	)%		22	%		(22	)%		(5	)%		5	%
Return on average assets		(1.86	)		.40			(1.75	)		1.50			(1.70	)		(.37	)		.37

OTHER INFORMATION
Nonperforming assets (b)	$	1,243		$	1,218		$	1,436		$	1,777		$	1,787
Impaired loans (b) (c)	$	5,879		$	6,001		$	6,867		$	7,124		$	7,577
Net charge-offs	$	183		$	107		$	276		$	111		$	121		$	677		$	544
Annualized net charge-off ratio		4.73	%		2.62	%		6.25	%		2.48	%		2.54	%		4.02	%		2.58	%

LOANS (in billions) (b)
Commercial lending:
Commercial / Commercial real estate	$	1,684		$	1,911		$	2,282		$	2,641		$	2,561
Equipment lease financing		764			757			757			806			805

Total commercial lending		2,448			2,668			3,039			3,447			3,366

Consumer lending:
Consumer		5,769			6,011			6,323			6,511			6,673
Residential real estate		6,564			7,014			7,911			8,105			8,467

Total consumer lending		12,333			13,025			14,234			14,616			15,140

Total loans	$	14,781		$	15,693		$	17,273		$	18,063		$	18,506

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

(b)	As of period end.

(c)	Recorded investment of purchased impaired loans related to acquisitions.

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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 from portfolio holdings 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.

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.

Derivatives - Financial contracts whose value is derived from changes in 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.

Efficiency - Noninterest expense divided by total revenue.

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THE PNC FINANCIAL SERVICES GROUP, INC.

Fair value - The price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.

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.

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

Nonperforming loans - Loans for which we do not accrue interest income. 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. 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 derivative 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 from continuing operations - Total revenue less noninterest expense, both from continuing operations.

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

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 securities and 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.

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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