The PNC Financial Services Group, Inc.
Credit Suisse Financial Services Forum
February 12, 2013
Exhibit 99.1

2
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
may
sometimes
refer
to
adjusted
results
to
help
illustrate
the
impact
of
certain
types
of
items,
such
as
provisions
for
residential
mortgage
repurchase
obligations,
gains
on
sales
of
a
portion
of
our
VISA
shares,
non-cash
charges
related
to
redemptions
of
trust
preferred
securities,
expenses
for
residential mortgage
foreclosure-related
matters,
goodwill
impairment
charge
and
integration
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
to
help
evaluate
the
impact
of
these
respective
items
on
our
operations.
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
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.”

3
Key Take-Aways
Significant 2012 achievements
Key priorities for driving performance in 2013
Investment and Retirement growth opportunity
PNC Continues to Build a Great Company.
PNC Continues to Build a Great Company.

4
Significant 2012 Achievements
PNC Is Well-Positioned to Continue to Create Shareholder Value.
2012 financial
summary
Net income
Diluted EPS from
net income
Return on average
assets
$3.0 billion
$5.30
1.02%
1.31% (adjusted)
(1)
Exceptional customer growth across our businesses
Strong loan, deposit and revenue growth
Expenses reflect overall business investments including Southeast expansion
partially offset by continuous improvement initiatives
Overall credit quality improved
Capital and liquidity remained strong
2012 highlights
(1)
Return
on
average
assets
adjusted
for
the
following
select
items:
provision
for
residential
mortgage
repurchase
obligations;
gains
on
sales
of VISA Class B common shares; goodwill impairment charge for Residential Mortgage Banking segment; expenses for residential mortgage
foreclosure matters; noncash charges for unamortized discounts related to redemption of trust preferred securities; and integration costs.
Further information provided in Reconcilement section of the Appendix.

5
2013 Key Priorities
(1)
Grow customers and improve customer profitability
Continue to grow loans, deposits and revenues
Deliver positive operating leverage
Effective credit management
Improve capital and liquidity –
well-positioned to achieve Basel
III goals
(3)
(1) Refer to Cautionary Statement in the Appendix, including economic and other assumptions. Does not take into account the impact of
potential legal and regulatory contingencies. (2) Core expenses do not include any integration costs or noncash charges for unamortized
discounts
related
to
redemption
of
hybrid
capital
securities.
(3)
Basel
III
Tier
1
common
capital
ratio
goal
is
to
be
within
the
range
of
8.0-8.5%
by year-end 2013. See Note 1 in the Notes section of the Appendix for assumptions.
–
Increase ratio of fee income to total revenue
–
Decrease expenses by mid-single digits, core expenses
(2)
flat

6
2013 Revenue and Expense Opportunities
(1)
Diverse Businesses
Revenue Opportunities
Expense Opportunities
Retail Banking
Deepen cross-sell and share
of wallet
Investment and Retirement
build out  
Lower service delivery costs
including branch consolidation
Staffing and back office
efficiencies
Corporate & Institutional
Group
Continue to grow customers
and loans
Deepen cross-sell of clients
added in the last three years
Enhance staffing model
Review loan origination
process
Asset Management Group
Distribution build out in high
growth markets
Investment and Retirement
opportunity
Online investment platform
and centralized services
Residential Mortgage
Banking
Drive higher purchase
origination volume
Lower mortgage foreclosure
compliance costs
(1) Refer to Cautionary Statement in the Appendix, including economic and other assumptions. Does not take into account the impact of
potential legal and regulatory contingencies.

7
Investment and Retirement -
Key Take-Aways
A leading investment and retirement franchise
Consistent and strong financial results driven by
increases in sales and new client acquisition
Well-positioned to capture additional growth
opportunities
PNC Continues to Build a Great Company.
PNC Continues to Build a Great Company.

8
Leading Investment & Retirement Franchise
(1) As of December 31, 2012. (2) AUA defined as client assets under administration; and AUM defined as discretionary assets under
management. AUA includes brokerage assets of approximately $38 billion from Retail Banking Brokerage business. (3) Includes employees
from Asset Management Group and Retail Banking Brokerage. (4) Liquidity and other includes money market funds and short term assets.
Customers (in thousands)
(1)
Investment & Retirement
households
400+
Assets (in billions)
(1)
AUA
(2)
$262
AUM
$112
Total Loans
$6.7
Total Deposits
$10.0
Distribution
(1)
Employees
(3)
4,000+
Wealth Offices
86
Full service brokerage offices
41

9
“Go-to-Market”
Strategy that Serves All Clients
Hawthorn is responsible for ultra high net worth accounts. PNC households (HHs) definition: Mass Market HHs with investable assets < $100K;
Affluent HHs with investable assets between $100K -
$1MM; High net worth HHs with investable assets > than $1MM.
Existing Client
Segment
Mass Market
(<$100K)
Affluent
($100K-$1MM)
High Net Worth
(>$1MM)
Institutional
Organization
<--Retail/PNC Investments-->
PNC Wealth Management
& Hawthorn
Institutional
Investment Group
Teams
Licensed Bankers
Private Client Group
Financial Specialists
Investment Call Center
Wealth Management Teams
Ultra High Net Worth Teams
Business
Development Officers
Client Advisors
Products
& Services
Retirement guidance
Managed investment programs
Brokerage services
Investments
Trust & Estate planning
Private Banking
Plan administration
Asset management
Turnkey advisory

10
AMG
(1)
Results -
Consistent and Strong Financials
Approaching $1 billion in annual revenues
Successful business model –
maintaining
high pretax margins
(3)
through the cycle –
with disciplined expense management
(1) AMG refers to Asset Management Group. Does not include Retail Banking Brokerage business. (2) Adjusted AUM netflows defined as total
netflows after adjustment for cyclical client activities. (3) Pretax margin defined as pretax earnings (total revenue less provision for credit
losses and noninterest expense) divided by total revenue. Peer group includes JPM, CMA, BAC, USB, WFC and FITB. See Note 2 in the Notes
section of the Appendix for additional peer information.
(1)
Since 2009, a top 10 U.S. bank-held wealth manager

11
AMG Growth -
Driven by Exceptional Referral Sales and
Client Growth
(1)
Referral
sales
are
new
sales
from
clients
referred
to
AMG
by Retail
Banking
or
Corporate
and
Institutional
Banking.
(2)
An
Asset
Management Group primary client is defined as a client relationship with annual revenue generation of $10,000 or more. (3) Period-end FTE
refers to spot full-time employees.
Consistent growth in sales
and new client acquisition
through volatile equity
markets
Referral sales contributed
36% of total sales in 2012
Increasing sales
productivity
Highlights
Executing on the basics
3-year CAGR
(2009-2012)
Total sales growth
24%
Growth in referral sales
(1)
38%
New primary client growth
(2)
36%
Growth in FTEs
(3)
4%
Growth in sales per FTE
(3)
19%

12
AMG Growth –
Strong Client Satisfaction and Product
Innovation
Retention of primary clients
remained consistent at 97%
(2)
Driven by consistently high client
satisfaction due to:
–
Investment performance-
Majority of discretionary
equity and fixed income
accounts outperformed
relevant benchmarks net of
fees over the most recent 3
year period
(3)
–
Superior client information,
reporting and collaboration
recognized by award-winning
“PNC Wealth Insight
®
”
tool
Highlights
(1) See Note 3 in the Notes section of the Appendix for survey information. (2) Primary client retention rate has been consistent from 2009-2012.
See Note 4 in the Notes section of the Appendix.  (3) Performance reported for three year period ended 12/31/12. See Note 5 in the
Notes section of the Appendix.

13
AMG Wealth Management Sales Momentum is Strong –
Midwest Markets Growth Accelerating
Wealth management market sales

14
AMG -
Replicating Our Florida Success in the Southeast
(1) Period-end FTE refers to spot full-time employees.
(2) Pretax margin defined as pretax earnings (total revenue less
provision for credit
losses and noninterest expense) divided by total revenue. (3) Represents the value of investments by individuals in the states represented by
the RBC  Bank (USA) acquisition even where it overlaps with PNC states such as Florida. Source: Data Analytics Research using IXI household
data.
Highlights
Florida demonstrating significant
growth and remains an
underpenetrated market
2012 investments in Raleigh,
Charlotte, Atlanta, Birmingham and
Tampa
Potential -
$800B
(3)
high net worth
households
Florida Wealth Mgmt. Performance
3-yr CAGR (’09-’12)

15
Capturing More Investable Assets in Underpenetrated
Client Segments
Significant opportunity to grow personal investable assets
(1)
(1) Personal investable assets excludes principal residence and relates only to PNC’s personal investment business excluding Institutional. 
Source: Data Analytics Research using IXI household data. (2) Represents the potential households’
investable assets across PNC’s Retail
Bank footprint held by PNC’s existing customers. (3) Represents the targeted total AUA/AUM balance for the personal investments business
and is not incremental.
Potential –
across footprint
(2)
$43
$490
$1,356
$1,900
2016 goal
>6%
>12%
>8%
$170+
(3)
($ in billions)
+
+
=

16
Investment and Retirement -
Key Take-Aways
A leading investment and retirement franchise
Consistent and strong financial results driven by
increases in sales and new client acquisition
Well-positioned to capture additional growth
opportunities
PNC Continues to Build a Great Company.
PNC Continues to Build a Great Company.

17
Cautionary Statement Regarding Forward-Looking
Information
This
presentation
includes
“snapshot”
information
about
PNC
used
by
way
of
illustration
and
is
not
intended
as
a
full
business
or
financial
review.
It
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
by
words
such
as
“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:
o
Changes in interest rates and valuations in debt, equity and other financial markets.
o
Disruptions in the liquidity and other functioning of U.S. and global financial markets.
o
The
impact
on
financial
markets
and
the
economy
of
any
changes
in
the
credit
ratings
of
U.S.
Treasury
obligations
and
other
U.S.
government-
backed
debt,
as
well
as
issues
surrounding
the
level
of
U.S.
and
European
government
debt
and
concerns
regarding
the
creditworthiness
of
certain sovereign governments, supranationals and financial institutions in Europe.
o
Actions
by
Federal
Reserve,
U.S.
Treasury
and
other
government
agencies,
including
those
that
impact
money
supply
and
market
interest
rates.
o
Changes in customers’, suppliers’
and other counterparties’
performance and creditworthiness.
o
Slowing or failure of the current moderate economic expansion.
o
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.
o
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
in
2013,
despite
drags
from
Federal
fiscal
restraint
and
a
European
recession.
These
forward-looking
statements
also
do
not,
unless
otherwise indicated, take into account the impact of potential legal and regulatory contingencies.
•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
in
effect
(particularly
those
implementing
the
Basel
Capital
Accords),
and
management
actions
affecting
the
composition
of
PNC’s
balance
sheet.
In
addition,
PNC’s
ability
to
determine,
evaluate
and
forecast
regulatory
capital
ratios,
and
to
take
actions
(such
as
capital
distributions)
based
on
actual
or
forecasted
capital
ratios,
will
be
dependent
on
the
ongoing
development,
validation
and
regulatory
approval
of
related
models.
Appendix

18
Cautionary Statement Regarding Forward-Looking
Information (continued)
•Legal
and
regulatory
developments
could
have
an
impact
on
our
ability
to
operate
our
businesses,
financial
condition,
results
of
operations,
competitive
position,
reputation,
or
pursuit
of
attractive
acquisition
opportunities.
Reputational
impacts
could
affect
matters
such
as
business
generation and retention, liquidity, funding, and ability to attract and retain management.  These developments could include:
o
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.
o
Changes to regulations governing bank capital and liquidity standards, including due to the Dodd-Frank Act and to Basel-related initiatives.
o
Unfavorable
resolution
of
legal
proceedings
or
other
claims
and
regulatory
and
other
governmental
investigations
or
other
inquiries.
In
addition
to
matters
relating
to
PNC’s
business
and
activities,
such
matters
may
include
proceedings,
claims,
investigations,
or
inquiries
relating
to
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.
o
Results
of
the
regulatory
examination
and
supervision
process,
including
our
failure
to
satisfy
requirements
of
agreements
with
governmental
agencies.
o
Impact
on
business
and
operating
results
of
any
costs
associated
with
obtaining
rights
in
intellectual
property
claimed
by
others
and
of
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
of
third-party
insurance,
derivatives,
and
capital
management
techniques,
and
to
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
to
our
equity
interest
in
BlackRock,
Inc.
and
rely
to
a
significant
extent
on
information
provided
to
us
by
BlackRock.
Risks
and
uncertainties
that
could
affect
BlackRock
are
discussed
in
more
detail
by
BlackRock
in
its
SEC
filings.
•Our
2012
acquisition
of
RBC
Bank
(USA)
presents
us
with
risks
and
uncertainties
related
to
the
integration
of
the
acquired
businesses
into
PNC,
including:
o
Anticipated
benefits
of
the
transaction,
including
cost
savings
and
strategic
gains,
may
be
significantly
harder
or
take
longer
to
achieve
than
expected
or
may
not
be
achieved
in
their
entirety
as
a
result
of
unexpected
factors
or
events.
o
Our
ability
to
achieve
anticipated
results
from
this
transaction
is
dependent
also
on
the
extent
of
credit
losses
in
the
acquired
loan
portfolios
and
the
extent
of
deposit
attrition,
in
part
related
to
the
state
of
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.
o
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.
Appendix

19
Cautionary Statement Regarding Forward-Looking
Information (continued)
•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
be
affected
by
widespread
natural
and
other
disasters,
dislocations,
terrorist
activities
or
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
our
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
be
subject
to
other
risks
and
uncertainties,
including
those
we
may
discuss
elsewhere
in
this
presentation
or
in
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 on these websites is not part of 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.
Appendix

20
Notes
Appendix
Explanatory Notes
(2) BB&T, KEY, MTB and STI not included in the peer group average because they do not report data externally in a manner
comparable to us. RF is not included because the data is not yet available. COF not included because it has no business
comparable to AMG. Avg. peers pre-tax margin refers to average of the 6 comparable peers listed on the slide. Peer information
sourced from company financial reports.
(3) Excludes Hawthorn. Overall client satisfaction represents PNC Wealth Management client survey responses administered by a
third party in an annual survey conducted in late third/early fourth quarter 2009-2012. Responses are based on a 7-point scale
where 6 and 7 (top two boxes) are “excellent” and 4 and 5 are "good".
(4) Primary client retention is based on PNC Wealth Management's internal measure of "Primary" client households at the
beginning of the calendar year who were retained throughout the calendar year. Primary client retention rate has been consistent
from 2009-2012.
(5) Equity account benchmark blended based on S&P 500 Index,  S&P 400 Mid Cap Index, S&P 600 Small Cap Index and MSCI EAFE
(Europe, Australia, Far East) Index Net of Fees.  Taxable fixed income account benchmark Barclay's U.S. Aggregate 3 - 5 Year Index.
Non-taxable fixed income account benchmark blended based on S&P Municipal Bond Short Intermediate TR and Barclays Municipal
Bond 3 Year Index.
(1) Basel III Tier 1 common capital ratio goal is to be within the range of 8.0-8.5% by year-end 2013 without the benefit of phase-
ins, based on our 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.

21
Non-GAAP to GAAP Reconcilement
Appendix
In millions
Adjustments,
pretax
Income taxes
(benefit) (a)
Net income
Average Assets
Return on Avg.
Assets
Net income and return on avg. assets, as reported
$3,001
$295,025
1.02%
Adjustments:
   Gains on sales of Visa Class B common shares
$(267)
$(93)
($174)
   Residential mortgage repurchase obligations provision
$761
$266
$495
   Trust preferred securities redemption charges
$295
$103
$192
   Residential Mortgage foreclosure-related matters expenses
$225
$79
$146
   Goodwill impairment charge for Residential Mortgage
$45
$0
$45
   Integration costs
$267
$93
$174
Net income and return on avg. assets, as adjusted
$3,879
$295,025
1.31%
For the twelve months ended Dec. 31, 2012
PNC believes that information adjusted for the impact of certain items may be useful to help evaluate the impact of these respective items on
our operations.
(a) Income taxes calculated using a statutory federal income tax rate of 35%, excluding the goodwill impairment charge which was considered
non-deductible for tax purposes.

22
Peer Group of Banks
Appendix
The PNC Financial Services Group, Inc.
PNC
BB&T Corporation
BBT
Bank of America Corporation
BAC
Capital One Financial, Inc.
COF
Comerica Inc.
CMA
Fifth Third Bancorp
FITB
JPMorgan Chase
JPM
KeyCorp
KEY
M&T Bank
MTB
Regions Financial Corporation
RF
SunTrust Banks, Inc.
STI
U.S. Bancorp
USB
Wells Fargo & Co.
WFC