Electronic presentation slides for earnings release conference call

Cautionary Statement Regarding Forward-Looking

Information and Adjusted Information

This presentation includes “snapshot” information about PNC used by way of illustration. It is not intended as a full business or financial review and should be

viewed in the context of all of the information made available by PNC in its SEC filings. The presentation also contains forward-looking statements regarding

our outlook for earnings, revenues, expenses, capital levels and ratios, liquidity levels, asset levels, asset quality, financial position, and other matters

regarding or affecting PNC and its future business and operations. Forward-looking statements are necessarily subject to numerous assumptions, risks and

uncertainties, which change over time.

The forward-looking statements in this presentation are qualified by the factors affecting forward-looking statements identified in the more detailed Cautionary

Statement included in the Appendix, which is included in the version of the presentation materials posted on our corporate website at

www.pnc.com/investorevents and in our SEC filings. We provide greater detail regarding these as well as other factors in our 2011 Form 10-K, as amended by

Amendment No. 1 thereto, and 2012 Form 10-Qs, including in the Risk Factors and Risk Management sections and in the Legal Proceedings and Commitments

and Guarantees Notes of the Notes to Consolidated Financial Statements in those reports, and in our subsequent SEC filings. Our forward-looking statements

may also be subject to other risks and uncertainties, including those we may discuss in this presentation or in SEC filings, accessible on the SEC’s website at

www.sec.gov and on PNC’s corporate website at www.pnc.com/secfilings. We have included web addresses in this presentation as inactive textual references

only. Information on these websites is not part of this presentation.

Future events or circumstances may change our outlook and may also affect the nature of the assumptions, risks and uncertainties to which our forward-

looking statements are subject. Forward-looking statements in this presentation speak only as of the date of this presentation. We do not assume any duty

and do not undertake to update those statements. Actual results or future events could differ, possibly materially, from those anticipated in forward-looking

statements, as well as from historical performance.

In this presentation, we sometimes refer to adjusted results to help illustrate the impact of certain types of items, such as provisions for residential mortgage

repurchase obligations, non-cash charges related to redemptions of trust preferred securities, gain on sale of Visa shares, expenses for residential mortgage

foreclosure-related matters, integration costs, and legal, mortgage foreclosure-related and OREO costs. This information supplements our results as reported

in accordance with GAAP and should not be viewed in isolation from, or as a substitute for, our GAAP results. We believe that this additional information and

the reconciliations we provide may be useful to investors, analysts, regulators and others as they evaluate the impact of these respective items on our results

for the periods presented due to the extent to which the items may not be indicative of our ongoing operations. We may also provide information on the

components of net interest income (purchase accounting accretion and the core remainder) and the impact of purchase accounting accretion on net interest

margin, and information on return on average tangible common equity. We believe that core net interest margin (net interest margin less (annualized

purchase accounting accretion divided by average interest-earning assets)), a non-GAAP measure, is useful as a tool to help evaluate the impact of purchase

accounting accretion on net interest margin. And we believe that return on average tangible common equity (calculated as annualized net income attributable

to common shareholders divided by (average common shareholders’ equity less total intangible assets, other than servicing rights)), a non-GAAP measure, is

useful as a tool to help measure and assess a company’s use of common equity. Where applicable, we provide GAAP reconciliations for such additional

information, including in the slides, the Appendix and/or other slides and materials on our corporate website at www.pnc.com/investorevents and in our SEC

filings.

In certain discussions, we may also provide information on yields and margins for all interest-earning assets calculated using net interest income on a taxable-

equivalent basis by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments.

We believe this adjustment may be useful when comparing yields and margins for all earning assets. We may also use annualized, proforma, estimated or

third party numbers for illustrative or comparative purposes only. These may not reflect actual results.

This presentation may also include discussion of other non-GAAP financial measures, which, to the extent not so qualified therein or in the Appendix, is

qualified by GAAP reconciliation information available on our corporate website at www.pnc.com under “About PNC–Investor Relations.”

Growing Customers –

Long-Term Revenue Potential

(1) Net organic checking relationship growth refers to new consumer and small business accounts exclusive of accounts acquired through

acquisition. (2) A Corporate Banking primary client is defined as a corporate banking relationship with annual revenue generation of $50,000

or more or, within corporate banking, a commercial banking client relationship with annual revenue generation of $10,000 or more. (3) Asset

Management Group primary client is defined as a client relationship with annual revenue generation of $10,000 or more. (4) A mortgage with

a borrower as part of a residential real estate purchase transaction.

Asset Management Group

Residential Mortgage

Retail Banking

Corporate Banking

Purchase

Net organic checking relationships

New primary clients

Refinancing

Total

loan

originations

$7.0

$8.4

$10.8

HARP refinancing

225

230

YTD10

YTD11

YTD12

$3.3

$4.3

$5.0

$1.5

$2.0

$3.2

$2.2

$2.1

$2.6

YTD10

YTD11

YTD12

809

1,084

1,355

YTD10

YTD11

YTD12

694

869

773

YTD10

YTD11

YTD12

Strong Commercial Loan Growth Funded by Favorable

Deposit Mix

Loans increased $1.5 billion or 1%

from 2Q12, primarily driven by

total commercial lending growth of

Consumer loans grew 1% linked

quarter primarily due to higher

automobile lending, partially offset

by residential real estate and

education loans run-off

Transaction deposits increased

$2.3 billion from 2Q12, reflecting

increased commercial and

consumer liquidity

Retail CDs declined due to run-off

of maturing accounts

Tier 1 common capital ratio

strengthened

% change from:

Category (billions)

Sep. 30,

2012

Jun. 30,

2012

Sep. 30,

2011

Commercial

79.7

28%

Commercial real estate

18.6

13%

Total

commercial

lending

105.2

24%

Home equity/Residential RE

51.3

(1%)

Automobile

8.3

15%

89%

Other

17.1

(2%)

Total consumer lending

76.7

10%

Total loans

$181.9

18%

Transaction deposits

$168.4

18%

Retail CDs & other deposits

37.9

(7%)

(15%)

Total deposits

$206.3

10%

Key ratios:

Transaction deposits to total

deposits

82%

80%

76%

Loans to deposits ratio

88%

87%

82%

Tier

common

capital

ratio

9.5%

9.3%

10.5%

(1)

Total commercial lending includes commercial, commercial real estate and also includes $6.9 billion of equipment lease financing.

(2)

Includes credit card, education and other loans. (3) Tier 1 common capital ratio is period-end Tier 1 common capital divided by period-end

risk weighted assets and is estimated for September 30, 2012.

3Q12 highlights

NII Improved YOY and YTD

(1) Core net interest income is total net interest income, as reported, less related purchase accounting accretion (scheduled and cash

recoveries). (2) Includes scheduled purchase accounting accretion and cash recoveries. Cash recoveries reflect cash received in excess of

recorded

investment

from

sales

payoffs

impaired

commercial

loans.

(3)

Net

interest

margin

less

(annualized

purchase

accounting

accretion/average interest-earning assets). Further information is provided in the Appendix.

(millions)

3Q12

2Q12

3Q11

YTD12

YTD11

Core NII

$2,154

$2,183

$1,884

$6,365

$5,639

Purchase accounting

accretion (PAA)

245

343

291

851

862

Total NII

$2,399

$2,526

$2,175

$7,216

$6,501

Highlights

Core

NII

relatively

stable

due

the impact of lower yielding assets

partially offset by loan growth

PAA declined by $98 million due to

lower cash recoveries on impaired

loans and lower accretion on

performing loans and CDs

Linked quarter:

YTD:

Core NII increased 13% due to

RBC Bank (USA) acquisition,

organic loan growth and lower

funding costs

PAA decreased by $11 million

Purchase

accounting

accretion

Net interest margin

Core NIM

Prior year quarter:

Core NII increased 14% primarily

due to RBC Bank (USA) acquisition,

strong organic loan growth and

core net interest margin

improvement

PAA declined by $46 million

3.89%

3.90%

4.08%

3.82%

3.37%

3.42%

3.46%

3.53%

3.43%

3Q11

4Q11

1Q12

2Q12

3Q12

3.86%

Client Growth and Sales Drive Noninterest Income

Highlights

Noninterest income increased 54%

due to:

Strong client fee income growth

offset lower gains on asset sales

and RMSR hedging

Linked quarter:

YTD:

Noninterest income grew 6%

excluding the residential mortgage

repurchase provision and VISA

gain

despite Durbin impact

(millions)

3Q12

2Q12

3Q11

YTD12

YTD11

Asset management

$305

$278

$287

$867

$838

Consumer services

288

290

330

842

974

Corporate services

295

290

187

817

632

Residential mortgage

banking

264

265

229

791

622

Provision for residential

mortgage repurchase

obligations

(37)

(438)

(31)

(507)

(66)

Deposit service charges

152

144

140

423

394

Net gains on sales of

securities less net OTTI

Other

406

240

194

931

803

Total noninterest income

$1,689

$1,097

$1,369

$4,227

$4,276

Prior year quarter:

Noninterest income grew 23% or

13% excluding the VISA pre-tax

gain

39%

38%

39%

30%

41%

38%

3Q11

4Q11

1Q12

2Q12

3Q12

Noninterest income to total revenue

–

Lower provision for residential

mortgage repurchase

obligations of $401 million

–

Pre-tax gain of $137 million on

sale of a portion of our VISA

investment

(1) Asset management includes the Asset Management Group and BlackRock. (2) Residential mortgage consists of residential mortgage

banking less provision for residential mortgage repurchase obligations. (3) Excluding the provision for residential mortgage repurchase

obligations of $438 million in 2Q12. Further information is provided in the Appendix. (4) Further information is provided in the Appendix.

(5) The Dodd-Frank Act limits related to interchange rates on debit card transactions, which were effective October 1, 2011.

Disciplined Expense Management While Investing for

Growth

(millions)

3Q12

2Q12

3Q11

YTD12

YTD11

Personnel

$1,173

$1,107

$948

$3,346

$2,912

Occupancy

207

198

171

583

540

Equipment

184

174

159

527

484

Marketing

173

171

Other

894

931

784

2,667

2,265

Total core noninterest

expense

$2,520

$2,466

$2,132

$7,296

$6,372

Integration costs

232

Trust preferred securities

redemption charges

130

225

Total noninterest

expense

$2,650

$2,648

$2,140

$7,753

$6,386

Noninterest expense remained stable

when compared to 2Q12

Increased personnel expense related

to the impact of higher equity

markets on deferred compensation

obligations (partially offset by related

hedge gain in other noninterest

income) and business volumes

Other expense decreased primarily as

a result of higher additions to legal

reserves in 2Q12

Highlights

Linked quarter:

YTD:

Core noninterest expense increase of

14% reflects RBC Bank (USA)

operating

costs,

higher

select

costs

and overall business investments

partially offset by continuous

improvement initiatives

Prior year quarter:

Core noninterest expense increase of

18% reflects RBC Bank (USA)

operating costs, higher select

costs

and

business

investments

$101

$246

$275

$550

1Q12

1H12

YTD12

FY12

$417

$550

2012

Continuous

Improvement

financial

impact

Core

(1) Core noninterest expense items do not include the impact of integration costs and trust preferred securities redemption charges, which are listed separately in the

table above, but do include the impact of RBC Bank (USA) operating expenses. See the Appendix for the impact of integration costs and trust preferred securities

redemptions charges for unamortized discount on each category of noninterest expense. (2) Continuous improvement initiatives for annualized run rate cost saves related

to legacy PNC’s efficiency initiatives and RBC Bank (USA) cost saves. Estimated through YTD12. (3) Select costs include legal/mortgage foreclosure-related/OREO

costs. Legal represents accruals for legal contingencies and mortgage foreclosure-related represents costs to comply with regulatory consent decrees. OREO costs

consist of gains/losses on sale of OREO assets, write-downs on the assets and operating expenses.

Credit Trends Continue to Improve

Nonperforming

loans

2,4

Provision and net charge-offs

Criticized commercial loans

30-89 Days

90 Days +

Accruing

loans

past

due

2,3

Criticized

Commercial

loans

Total nonperforming loans

Provision

Net charge-offs

$10.8

$9.9

$11.8

$10.7

$9.9

3Q11

4Q11

1Q12

2Q12

3Q12

$2.8

$3.0

$2.6

$2.5

$1.6

$1.7

$1.4

3Q11

4Q11

1Q12

2Q12

3Q12

$3.7

$3.6

$3.5

$3.4

3Q11

4Q11

1Q12

2Q12

3Q12

$365

$327

$333

$315

$331

$261

$190

$185

$256

$228

3Q11

4Q11

1Q12

2Q12

3Q12

As of quarter end except net charge-offs and provision, which are for the quarter. (1) Criticized loans are ones that we consider “special mention,”

“substandard’” or “doubtful”. (2) Loans acquired from National City or RBC Bank (USA) that were impaired are not included as they were recorded at

estimated fair value when acquired and are currently considered performing loans due to the accretion of interest in purchase accounting. (3) Includes

loans that are government guaranteed/insured, primarily residential mortgages. These loans totaled $2.7 billion in 3Q12. (4) Does not include loans held

for sale or foreclosed and other assets. Effective in 2011, excludes residential real estate loans accounted for under the fair value option.

Strong Capital and Liquidity Position

(1) Estimated at September 30, 2012. (2) Based on current understanding of Basel III NPRs and estimates of Basel II (with proposed

modifications) risk-weighted assets. Includes application of Basel II.5. Subject to further regulatory clarity and development, validation and

regulatory approval of Basel models. (3) Parent company liquidity coverage defined as liquid assets divided by funding obligations within a two

year period.

3Q12 highlights

Basel

Tier

common

ratio

9.5%

Capital priorities:

Basel

III

Tier

common

ratio

goal

8.0-8.5%

year-end

2013

without

benefit

phase-ins

Issued $480 million of preferred stock in late September and early October 2012 bringing our

total Basel III qualifying preferred stock to $3.6 billion

Strong liquidity position

Increased 20 bps due to retained earnings partially offset by increase in risk-weighted

assets from loan growth

Build capital to support client growth and business investment

Maintain appropriate capital in light of economic uncertainty

Return excess capital to shareholders

Improved capital treatment expected on sub-investment grade securities

Loans to deposits ratio of 88%

Parent

company

two

year

liquidity

coverage

151%

Cautionary Statement Regarding Forward-Looking

Information

This

presentation

includes

“snapshot”

information

about

PNC

used

way

illustration

and

not

intended

full

business

financial

review.

should not be viewed in isolation but rather in the context of all of the information made available by PNC in its SEC filings.

We also make statements in this presentation, and we may from time to time make other statements, regarding our outlook for earnings, revenues,

expenses, capital levels and ratios, liquidity levels, asset levels, asset quality, financial position, and other matters regarding or affecting PNC and its

future business and operations that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act. Forward-

looking

statements

are

typically

identified

words

such

“believe,”

“plan,”

“expect,”

“anticipate,”

“see,”

“look,”

“intend,”

“outlook,”

“project,”

“forecast,”

“estimate,”

“goal,”

“will,”

“should”

and other similar words and expressions. Forward-looking statements are subject to numerous

assumptions, risks and uncertainties, which change over time.

Forward-looking statements speak only as of the date made. We do not assume any duty and do not undertake to update forward-looking

statements. Actual results or future events could differ, possibly materially, from those anticipated in forward-looking statements, as well as from

historical performance.

Our forward-looking statements are subject to the following principal risks and uncertainties.

•Our businesses, financial results and balance sheet values are affected by business and economic conditions, including the following:

Changes in interest rates and valuations in debt, equity and other financial markets.

Disruptions in the liquidity and other functioning of U.S. and global financial markets.

The

impact

financial

markets

and

the

economy

any

changes

the

credit

ratings

U.S.

Treasury

obligations

and

other

U.S.

government-

backed

debt,

well

issues

surrounding

the

level

U.S.

and

European

government

debt

and

concerns

regarding

the

creditworthiness

certain sovereign governments, supranationals and financial institutions in Europe.

Actions by Federal Reserve, U.S. Treasury and other government agencies, including those that impact money supply and market interest rates.

Changes in customers’, suppliers’

and other counterparties’

performance and creditworthiness.

Slowing or failure of the current moderate economic expansion.

Continued effects of aftermath of recessionary conditions and uneven spread of positive impacts of recovery on the economy and our

counterparties, including adverse impacts on levels of unemployment, loan utilization rates, delinquencies, defaults and counterparty ability to

meet credit and other obligations.

Changes in customer preferences and behavior, whether due to changing business and economic conditions, legislative and regulatory

initiatives, or other factors.

•Our forward-looking financial statements are subject to the risk that economic and financial market conditions will be substantially different than we

are currently expecting. These statements are based on our current view that the moderate economic expansion will persist and interest rates will

remain

very

low

2012

and

2013,

despite

downside

risks

from

the

“fiscal

cliff”

and

European

recession.

•PNC’s regulatory capital ratios in the future will depend on, among other things, the company’s financial performance, the scope and terms of final

capital

regulations

then

effect

(particularly

those

implementing

the

Basel

Capital

Accords),

and

management

actions

affecting

the

composition

PNC’s balance sheet. In addition, PNC’s ability to forecast regulatory capital ratios will be dependent on the ongoing development, validation and

regulatory approval of related models.

Appendix

Cautionary Statement Regarding Forward-Looking

Information (continued)

Appendix

•Legal

and

regulatory

developments

could

have

impact

our

ability

operate

our

businesses,

financial

condition,

results

operations,

competitive

position,

reputation,

pursuit

attractive

acquisition

opportunities.

Reputational

impacts

could

affect

matters

such

business

generation and retention, liquidity, funding, and ability to attract and retain management. These developments could include:

Changes resulting from legislative and regulatory reforms, including major reform of the regulatory oversight structure of the financial services

industry and changes to laws and regulations involving tax, pension, bankruptcy, consumer protection, and other industry aspects, and changes

in accounting policies and principles. We will be impacted by extensive reforms provided for in the Dodd-Frank Wall Street Reform and

Consumer Protection Act (the “Dodd-Frank Act”) and otherwise growing out of the recent financial crisis, the precise nature, extent and timing of

which, and their impact on us, remains uncertain.

Changes to regulations governing bank capital and liquidity standards, including due to the Dodd-Frank Act and to Basel-related initiatives.

Unfavorable resolution of legal proceedings or other claims and regulatory and other governmental investigations or other inquiries. In addition

matters

relating

PNC’s

business

and

activities,

such

matters

may

include

proceedings,

claims,

investigations,

inquiries

relating

pre-

acquisition business and activities of acquired companies, such as National City. These matters may result in monetary judgments or

settlements or other remedies, including fines, penalties, restitution or alterations in our business practices and in additional expenses and

collateral costs, and may cause reputational harm to PNC.

Results of the regulatory examination and supervision process, including our failure to satisfy requirements of agreements with governmental

agencies.

Impact

business

and

operating

results

any

costs

associated

with

obtaining

rights

intellectual

property

claimed

others

and

adequacy of our intellectual property protection in general.

•Business and operating results are affected by our ability to identify and effectively manage risks inherent in our businesses, including, where

appropriate,

through

effective

use

third-party

insurance,

derivatives,

and

capital

management

techniques,

and

meet

evolving

regulatory

capital

standards. In particular, our results currently depend on our ability to manage elevated levels of impaired assets.

•Business

and

operating

results

also

include

impacts

relating

our

equity

interest

BlackRock,

Inc.

and

rely

significant

extent

information

provided

BlackRock.

Risks

and

uncertainties

that

could

affect

BlackRock

are

discussed

detail

BlackRock

its

SEC

filings.

•Our

acquisition

RBC

Bank

(USA)

presents

with

risks

and

uncertainties

the

integration

the

acquired

businesses

into

PNC,

including:

Anticipated benefits of the transaction, including cost savings and strategic gains, may be significantly harder or take longer to achieve than

expected

may

not

achieved

their

entirety

result

unexpected

factors

events.

Our

ability

achieve

anticipated

results

from

this

transaction

dependent

also

the

extent

credit

losses

the

acquired

loan

portfolios

and the

extent

deposit

attrition,

part

the

state

economic

and

financial

markets.

Also,

litigation

and

regulatory

and

other

governmental investigations that may be filed or commenced relating to the pre-acquisition business and activities of RBC Bank (USA) could

impact the timing or realization of anticipated benefits to PNC.

Integration of RBC Bank (USA)’s business and operations into PNC may take longer than anticipated or be substantially more costly than

anticipated or have unanticipated adverse results relating to RBC Bank (USA)’s or PNC’s existing businesses. PNC’s ability to integrate RBC Bank

(USA) successfully may be adversely affected by the fact that this transaction results in PNC entering several geographic markets where PNC did

not previously have any meaningful retail presence.

Cautionary Statement Regarding Forward-Looking

Information (continued)

Appendix

•In addition to the RBC Bank (USA) transaction, we grow our business in part by acquiring from time to time other financial services companies,

financial services assets and related deposits and other liabilities. These other acquisitions often present risks and uncertainties analogous to those

presented by the RBC Bank (USA) transaction. Acquisition risks include those presented by the nature of the business acquired as well as risks and

uncertainties related to the acquisition transactions themselves, regulatory issues, and the integration of the acquired businesses into PNC after

closing.

•Competition can have an impact on customer acquisition, growth and retention and on credit spreads and product pricing, which can affect market

share, deposits and revenues. Industry restructuring in the current environment could also impact our business and financial performance through

changes in counterparty creditworthiness and performance and in the competitive and regulatory landscape. Our ability to anticipate and respond to

technological changes can also impact our ability to respond to customer needs and meet competitive demands.

•Business

and

operating

results

can

also

affected

widespread

disasters,

dislocations,

terrorist

activities

international

hostilities

through

impacts on the economy and financial markets generally or on us or our counterparties specifically.

We provide greater detail regarding these as well as other factors in our 2011 Form 10-K, as amended by Amendment No. 1 thereto, and first and

second quarter 2012 Form 10-Qs, including in the Risk Factors and Risk Management sections and the Legal Proceedings and Commitments and

Guarantees Notes of the Notes to Consolidated Financial Statements in those reports, and in our subsequent SEC filings. Our forward-looking

statements

may

also

subject

other

risks

and

uncertainties,

including

those

may

discuss

elsewhere

this

presentation

SEC

filings,

accessible on the SEC’s website at www.sec.gov and on our corporate website at www.pnc.com/secfilings. We have included these web addresses as

inactive

textual

references

only.

Information

these

websites

not

part

this

document.

Any annualized, proforma, estimated, third party or consensus numbers in this presentation are used for illustrative or comparative purposes only

and may not reflect actual results. Any consensus earnings estimates are calculated based on the earnings projections made by analysts who cover

that company. The analysts’

opinions, estimates or forecasts (and therefore the consensus earnings estimates) are theirs alone, are not those of

PNC or its management, and may not reflect PNC’s or other company’s actual or anticipated results.

Non-GAAP to GAAP Reconcilement

Appendix

In millions

Sep. 30, 2012

Jun. 30, 2012

Sep. 30, 2011

Sep. 30, 2012

Sep. 30, 2011

Tier 1 common capital (1)

$24,383

$23,691

$23,448

$24,383

$23,448

Reported net income

925

546

834

2,282

2,578

Reported net income, if annualized

3,680

2,196

3,309

3,048

3,447

Return on tier 1 common capital

15.3%

9.3%

14.3%

18.8%

22.2%

(1) Estimated for Sep. 30, 2012.

As of or for the nine months ended

PNC

believes

that

return

tier

common

capital

useful

tool

help

measure

and

assess

company's

use

common

equity.

As of or for the three months ended

In millions

Sep. 30, 2012

Jun. 30, 2012

Sep. 30, 2011

Sep. 30, 2012

Sep. 30, 2011

Average common shareholders' equity

$34,323

$33,648

$32,124

$33,654

$31,147

Average goodwill and other intangible assets other than servicing rights

9,956

10,008

8,989

9,766

9,002

Average tangible common equity

$24,367

$23,640

$23,135

$23,888

$22,145

Net income attributable to common shareholders

876

526

826

2,168

2,547

Net income attributable to common shareholders, if annualized

3,485

2,116

3,277

2,896

3,405

Return on average tangible common equity

14.3%

8.9%

14.2%

12.1%

15.4%

As of or for the three months ended

As of or for the nine months ended

PNC believes that return on average tangible common equity is useful as a tool to help measure and assess a company's use of common equity.

Non-GAAP to GAAP Reconcilement

Appendix

For the three months ended

In millions

Jun. 30, 2011

Total noninterest income, as reported

$1,097

Total revenue, as reported

$3,623

Adjustments:

Provision for residential mortgage repurchase obligations

438

Total noninterest income, as adjusted

$1,535

Total revenue, as adjusted

$4,061

Total noninterest income to total revenue, as reported

30%

Total noninterest income to total revenue, as adjusted

38%

PNC believes that information adjusted for the impact of certain items may be useful to

help evaluate the impact of those items on our operations.

In millions

Sep. 30, 2012

Sep. 30, 2011

% change

Total noninterest income, as reported

$4,227

$4,276

-1%

Adjustments:

Provision for residential mortgage repurchase obligations

507

Gain on sale of Visa Class B common shares

(137)

Total noninterest income, as adjusted

$4,597

$4,342

PNC believes that information adjusted for the impact of certain items may be useful to help evaluate the impact

of those items on our operations.

For the nine months ended

In millions

Sep. 30, 2012

Sep. 30, 2011

% change

Total noninterest income, as reported

$1,689

$1,369

23%

Adjustments:

Gain on sale of Visa Class B common shares

(137)

Total noninterest income, as adjusted

$1,552

$1,369

13%

For the three months ended

PNC believes that information adjusted for the impact of certain items may be useful to help evaluate

the impact of those items on our operations.

Non-GAAP to GAAP Reconcilement

Appendix

In millions

Sep. 30, 2012

Jun. 30, 2012

Sep. 30, 2011

Sep. 30, 2012

Sep. 30, 2011

Personnel, as reported

$1,171

$1,119

$949

$3,401

$2,914

Integration costs

(2)

Core Personnel

1,173

1,107

948

3,346

2,912

Occupancy, as reported

212

199

171

601

540

Integration costs

Core Occupancy

207

198

171

583

540

Equipment, as reported

185

181

159

541

484

Integration costs

Core Equipment

184

174

159

527

484

Marketing, as reported

209

175

Integration costs

Core Marketing

173

171

Other, as reported

1,008

1,082

789

3,001

2,273

Integration costs

109

TPS redemption charges

130

225

Core Other

894

931

784

2,667

2,265

Total core noninterest expense

$2,520

$2,466

$2,132

$7,296

$6,372

Selected items:

Integration costs

$35

$52

$232

$14

Trust preferred securities redemption charges

130

225

Total noninterest expense

$2,650

$2,648

$2,140

$7,753

$6,386

For the quarter ended

For the nine months ended