EX-99.2

Cautionary Statement Regarding Forward-Looking

Information and Adjusted Information

This

presentation

includes

“snapshot”

information

about

PNC

used

way

illustration.

not

intended

full

business

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

the

detailed

Cautionary

Statement

included

the

Appendix,

which

included

the

version

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 2012

Form 10-K

and

Quarter

2013

Form

10-Q,

including

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 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 those 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.

this

presentation,

may

sometimes

refer

adjusted

results

help

illustrate

the

impact

certain

types

items,

such

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, 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. We may also provide

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

net interest margin, core net interest margin (net interest margin less (annualized purchase accounting accretion divided by average interest-earning assets)),

and pretax pre-provision earnings (total revenue less noninterest expense). 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.”

Continued Loan Growth and Capital Improvement

Investment securities declined

from end of 1Q13 primarily due

to prepayments, maturities and

sales which exceeded purchases

–

Securities run-off reinvested

for future delivery at higher

rates

Continued growth in loans

$3.3 billion over end of 1Q13

–

Commercial lending increased

$3.0 billion or 2.7% as a

result of asset-based lending,

healthcare, real estate and

public finance

Capital ratios and shareholders’

equity increased despite the

decline in AOCI

(5)

(1)

Estimated as of June 30, 2013. (2)

See Note 1 in the Appendix for further details. (3) PNC’s pro forma Basel III Tier 1 common capital ratio

was estimated without benefit of phase-ins. See Estimated Pro forma Basel III Tier 1 Common Capital and related information in the Appendix

for further details. (4) Pro forma Basel III Tier 1 common capital ratio estimate not provided in 2Q12. (5) Accumulated other comprehensive

income.

Highlights

% change from:

Category (billions)

Jun. 30,

2013

Mar. 31,

2013

Jun. 30,

2012

Investment securities

$57

(3.2%)

(7.2%)

Total commercial lending

$113

2.7%

8.8%

Total consumer lending

0.4%

0.3%

Total loans

$190

1.8%

5.2%

Total assets

$304

1.2%

1.6%

Transaction deposits

176

0.1%

5.7%

Total deposits

$212

0.3%

2.6%

Total shareholders’

equity

$40

1.6%

8.9%

Capital ratios

(1)

Basel I Tier 1 common capital

ratio

(2)

10.1%

9.8%

9.3%

Pro forma Basel III Tier 1

common capital ratio

(3)

8.2%

8.0%

(4)

Balances at period-end

Revenue Growth and Improved Credit Quality Drove

Profitability and Returns

Highlights

Revenue grew 3% linked

quarter driven by higher

noninterest income partially

offset by lower net interest

income

Expense grew 2% linked

quarter, as expected, reflecting

disciplined expense

management

Pretax pre-provision earnings

(1)

grew 4% linked quarter

primarily due to higher

noninterest income

Credit costs declined as overall

credit trends continued to

improve

ROAA and ROACE increased to

1.49% and 11.81%

(millions)

2Q13

1Q13

2Q12

Net interest income

$2,258

$2,389

$2,526

Noninterest income

1,806

1,566

1,097

Total revenue

$4,064

$3,955

$3,623

Noninterest expense

($2,435)

($2,395)

($2,648)

Pretax pre-provision

earnings

(1)

$1,629

$1,560

$975

Provision

(157)

(236)

(256)

Pretax earnings

(2)

1,472

1,324

719

Net income

$1,123

$1,004

$546

Returns

ROAA

(3)

1.49%

1.34%

.74%

ROACE

(3)

11.81%

10.68%

6.23%

(1),(2),(3) See Notes 2, 3 and 4 respectively in the Appendix for additional details.

Net Interest Income and NIM Declined

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

excess cash recoveries). (2) See Note 5 in Appendix for further details. (3) Net interest margin less (annualized PAA/average interest-earning

assets). See Reconcilement in Appendix. (4) Refer to Cautionary Statement in the Appendix, including economic and other assumptions.

Core NII

(1)

$2,054

$2,140

$2,183

Scheduled accretion

193

199

292

Excess cash recoveries

(2)

Total purchase accounting

accretion (PAA)

204

249

343

Total NII

$2,258

$2,389

$2,526

Highlights

Linked quarter:

Prior year quarter:

Average interest-earning assets

remained flat as decrease in

securities was offset by loan growth

of 1.3%

NII declined

–

Core NII

(1)

declined 4% due to

lower securities balances and

lower yields on securities and

loans, including swap maturities

–

Lower PAA, as expected

Average interest-earning assets

growth of 2% driven by loan growth

Core NII

(1)

decreased primarily due

to decline in asset yields and PAA

was also lower

Expect NII to be down modestly

when compared with 2Q13 primarily

due to decline in PAA and lower loan

yields partially offset by expected

loan growth and additional securities

invested at higher interest rates

Third Quarter 2013 Outlook

(4)

(billions)

2Q13

1Q13

2Q12

Average interest-earning assets

$256

$250

Net interest

Margin(NIM)

Core NIM

(3)

(millions)

Diversified Businesses and Select Items Delivered

Strong Noninterest Income

Highlights

(1) Asset management includes the Asset Management Group and BlackRock. (2) Commercial mortgage servicing rights valuation

adjustments, net of economic hedge (CMSR) and credit valuations related to customer-initiated hedging activities (CVA).

Noninterest income increased 15%

–

Strong fee income growth

partially impacted by higher

provision for residential

mortgage repurchase

obligations

–

Higher gains on asset sales

(VISA and securities) and

higher valuations (CMSR and

CVA)

(2)

due to higher interest

rates, may not continue at

2Q13 levels

Noninterest income to total

revenue increased to 44%

compared to 40%

last quarter and

30% in the prior year quarter

Linked quarter:

(millions)

2Q13

1Q13

2Q12

Asset management

(1)

$340

$308

$278

Consumer services

314

296

290

Corporate services

326

277

290

Residential mortgage

Residential mortgage banking

240

238

265

Provision for residential

mortgage repurchase

obligations

(73)

(4)

(438)

Deposit service charges

147

136

144

Fee income

$1,294

$1,251

$829

Net gains on sales of securities

less net OTTI

Gain on VISA sale

Other

372

311

240

Total noninterest income

$1,806

$1,566

$1,097

Prior Year Quarter:

Fee income increased due to lower

provision for residential mortgage

repurchase obligations and strong

growth in Asset Management,

Corporate and Consumer Services

Disciplined Expense Management While Investing for

Growth

(millions)

2Q13

1Q13

2Q12

Adjusted for specified items

(1)

Personnel

$1,186

$1,169

$1,107

Occupancy

206

211

198

Equipment

189

183

174

Marketing

Other

754

772

888

Noninterest expense, adjusted

for TPS charges and Other

specified items

(1)

$2,402

$2,380

$2,423

Trust preferred securities

redemption-related charges

130

Other specified items

Total noninterest expense

$2,435

$2,395

$2,648

Efficiency ratio

(4)

60%

61%

73%

Efficiency ratio, adjusted

(4,5)

59%

61%

68%

As expected, noninterest expense

increased $40 million or 2%

primarily due to:

–

Trust preferred securities

redemption charge of $30 million

and higher marketing expense

On track to exceed $700 million

CIP

(2)

target

Highlights

Linked quarter:

(1) Specified items are Trust preferred securities redemption-related charges and Other specified items. Other specified items are residential mortgage foreclosure-related matters and

integration

costs.

See

Reconcilement

section

the

Appendix

for

impact

each

specified

item

each

category

noninterest

expense,

where

applicable.

(2)

CIP

refers

PNC’s

Continuous Improvement Program. (3) 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. (4) See Note 6 in the Appendix. (5) Efficiency ratio adjusted for integration costs and trust preferred securities redemption-related charges in each

quarter

where

applicable.

See

Reconcilement

section

the

Appendix.

Prior Year Quarter:

Noninterest expense decrease of

8% reflects lower TPS redemption

charges, lower additions to legal

reserves, 2Q12 integration costs

and decreased expenses related to

residential mortgage foreclosure-

related matters and other real

estate owned

Third Quarter 2013 Outlook

(3)

Expect noninterest expense to be up

modestly when compared to 2Q13

Overall Credit Quality Trends Continued to Improve

Highlights

($ in millions)

2Q13

1Q13

2Q12

Commercial

lending

Provision

($27)

$55

$44

Net charge-offs

121

Build/Release

($57)

($66)

($49)

Consumer

lending

Provision

$184

$181

$212

Net charge-offs

178

335

222

Build/Release

($154)

($10)

Adjusted Build/Release

(1)

($20)

Total

PNC

Provision

$157

$236

$256

Net charge-offs

208

456

315

Build/Release

($51)

($220)

($59)

Adjusted Build/Release

(1)

($86)

Total accruing

loans

past

due

(2,3)

decreased 11%

Nonperforming loans

(2,4)

of $3.3

billion declined 3%

Net charge-offs declined from

$456 million to $208 million

Provision of $157 million

decreased 33%, may not continue

at these levels

Linked quarter:

As of quarter end except net charge-offs and provision, which are for the quarter. (1) Build/release adjusted for the impact to consumer lending charge-offs of $134 million related to the

alignment with regulatory guidance on consumer lending in 1Q13. See Reconcilement section of the Appendix (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 $2.1 billion in 2Q13. (4) Does not include loans held for sale or foreclosed and

other assets. Excludes certain government insured or guaranteed loans and loans accounted for under the fair value option.

–

The impact of 1Q13 alignment

with regulatory guidance

related to consumer lending

resulted in $134 million of

the decrease

–

Commercial net charge-offs

decrease of $91 million,

may not continue at these levels

–

30-89 days declined 17%

–

90 days+ declined 8%

–

Continued commercial reserve

release

Cautionary Statement Regarding Forward-Looking

Information

Appendix

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:

•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 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.

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

interest rates.

•Changes

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

U.S. economic expansion will persist,

despite drags from Federal fiscal restraint and a European recession, and short-term interest rates will remain very low but

bond yields will

be higher in the second half of 2013. These forward-looking statements also do not, unless otherwise indicated, take

into account the

impact of potential legal and regulatory contingencies.

Cautionary Statement Regarding Forward-Looking

Information (continued)

Appendix

•PNC’s ability to take certain capital actions, including paying dividends and any plans to increase common stock dividends, repurchase

common stock under current or future programs, or issue or redeem preferred stock or other regulatory capital instruments, is subject to the

review of such proposed actions by the Federal Reserve as part of PNC’s comprehensive capital plan for the applicable period in connection

with the regulators’

Comprehensive Capital Analysis and Review (CCAR) process and

the acceptance of such capital plan and non-

objection to such capital actions by the Federal Reserve.

•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.

•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:

•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 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.

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

governmental agencies.

•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.

Cautionary Statement Regarding Forward-Looking

Information (continued)

Appendix

•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.

•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. Acquisition risks and uncertainties include those presented by the nature of the business acquired, including

in some cases those associated with our entry into new businesses or new geographic or other markets and risks resulting from our

inexperience in those new areas, 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 2012 Form 10-K and

Quarter 2013 Form 10-Q, 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.

Estimated Pro forma Basel III Tier 1 Common Capital

Appendix

Basel I Tier 1 Common Capital Ratio

Dollars in millions

June 30, 2013 (a)

March 31, 2013

December 31, 2012

Basel I Tier 1 common capital

$26,694

$25,680

$24,951

Basel I risk-weighted assets

265,449

261,491

260,847

Basel I Tier 1 common capital ratio

10.1%

9.8%

9.6%

(a) Estimated as of June 30, 2013.

Estimated Pro forma Basel III Tier 1 Common Capital Ratio

Dollars in millions

June 30, 2013

March 31, 2013

December 31, 2012

Basel I Tier 1 common capital

$26,694

$25,680

$24,951

Less regulatory capital adjustments:

Basel III quantitative limits

(2,216)

(2,076)

(2,330)

Accumulated other comprehensive income (a)

(241)

289

276

All other adjustments

(311)

(367)

(396)

Estimated Basel III Tier 1 common capital

$23,926

$23,526

$22,501

Estimated Basel III risk-weighted assets

292,414

293,810

301,006

Pro forma Basel III Tier 1 common capital ratio

8.2%

8.0%

7.5%

(a) Represents net adjustments related to accumulated other comprehensive income

for available for sale securities and pension and other postretirement benefit plans.

provide

information

below

regarding

PNC’s

pro

forma

fully

phased-in

Basel

III

Tier

common

capital

ratio

and

how

differs

from

the

Basel

I Tier 1 common capital ratio as the Basel III ratio will replace the current Basel I ratio for this regulatory metric when PNC exits the parallel

run qualification phase. The Federal Reserve Board announced final rules implementing Basel III on July 2, 2013. PNC continues its evaluation

of these rules. Pending completion of that evaluation, we have estimated our Basel III capital information set forth below, as we have in prior

disclosures, based on our understanding of the prior Basel III rule proposals.

Tier 1 common capital as defined under the Basel III rules differs materially from Basel I. For example, under Basel III, significant common

stock investments in unconsolidated financial institutions, mortgage servicing rights and deferred tax assets must be deducted from capital to

the extent they individually exceed 10%, or in the aggregate exceed 15%, of the institution's adjusted Tier 1 common capital. Also, Basel I

regulatory capital excludes certain other comprehensive income related to both available for sale securities and pension and other

postretirement plans, whereas under Basel III these items are a component of PNC's capital. Basel III risk-weighted assets were estimated

under the advanced approaches included in the Basel III rules and application of Basel II.5, and reflect credit, market and operational risk.

PNC utilizes this capital ratio estimate to assess its Basel III

capital position (without benefit of phase-ins), including comparison to similar

estimates made by other financial institutions. This Basel III capital estimate is likely to be impacted by PNC's ongoing analysis of the recently

issued Basel III final rules and the ongoing evolution, validation and regulatory approval of PNC's models integral to the calculation of

advanced approaches risk-weighted assets.

Non-GAAP to GAAP Reconcilement

Appendix

$ in millions

Jun. 30, 2013

Mar. 31, 2013

Jun. 30, 2012

Total revenue, as reported

$4,064

$3,955

$3,623

Total noninterest expense, as reported

$2,435

$2,395

$2,648

Efficiency ratio, as reported

60%

61%

73%

Total revenue, as reported

$4,064

$3,955

$3,623

Total noninterest expense, as reported

$2,435

$2,395

$2,648

Adjustments:

Noncash charges for unamortized discounts related to

redemption of trust preferred securities

(30)

(130)

Integration costs

(52)

Total noninterest expense, as adjusted

$2,405

$2,395

$2,466

Efficiency ratio, as adjusted

59%

61%

68%

* Efficiency ratio calculated as noninterest expense divided by total revenue.

For the three months ended

$ in millions

Jun. 30, 2013

Mar. 31, 2013

Dec. 31, 2012

Sept. 30, 2012

Jun. 30, 2012

Net interest margin, as reported

3.58%

3.81%

3.85%

3.82%

4.08%

Purchase accounting accretion (1)

$204

$249

$273

$245

$343

Purchase accounting accretion, if annualized

$818

$1,010

$1,086

$975

$1,380

Avg. interest earning assets

$256,102

$256,180

$253,643

$252,606

$250,132

Annualized purchase accounting accretion/Avg. interest earning assets

0.32%

0.38%

0.42%

0.38%

0.56%

Core net interest margin (2)

3.26%

3.43%

3.44%

3.52%

(1) Puchase accounting accretion is scheduled purchase accounting accretion plus cash recoveries.

For the three months ended

(2) PNC believes that core net interest margin, a non-GAAP measure, is useful as a tool to help evaluate the impact of purchase accounting accretion on net

interest margin. To calculate core net interest margin, net interest margin has been adjusted by annualized purchase accounting accretion divided by

average interest-earning assets.

Non-GAAP to GAAP Reconcilement

Appendix

In millions

Jun. 30, 2013

Mar. 31, 2013

Jun. 30, 2012

Personnel, as reported

$1,186

$1,169

$1,119

Integration costs

Personnel, as adjusted

1,186

1,169

1,107

Occupancy, as reported

206

211

199

Integration costs

Occupancy, as adjusted

206

211

198

Equipment, as reported

189

183

181

Integration costs

Equipment, as adjusted

189

183

174

Marketing, as reported

Integration costs

Marketing, as adjusted

Other, as reported

$787

$1,082

Residential mortgage foreclosure-related matters

(3)

(15)

(43)

TPS redemption-related charges

(30)

(130)

Integration costs

(21)

Other, as adjusted

$754

$772

$888

Noninterest expense, adjusted for specified items

$2,402

$2,380

$2,423

Specified items - Total

225

Total noninterest expense

$2,435

$2,395

$2,648

For the quarter ended

Non-GAAP to GAAP Reconcilement

Appendix

Consumer Lending Reserve Build/Release

$ in millions

March 31, 2013

Provision for credit losses, as reported

$181

Net charge-offs, as reported

$335

Build/(Release)

($154)

Provision for credit losses, as reported

$181

Net charge-offs, as reported

$335

Net charge-offs, as adjusted

$201

Build/(Release), as adjusted

($20)

As of or for the three months ended

(1) Pursuant to alignment with interagency guidance on practices for loans and lines of credit related to consumer lending in the first

quarter of 2013, additional charge-offs of $134 million were taken.

Adjustment for impact of alignment with regulatory

guidance (1)

($134)

Total PNC Reserve Build/Release

$ in millions

March 31, 2013

Provision for credit losses, as reported

$236

Net charge-offs, as reported

$456

Build/(Release)

($220)

Provision for credit losses, as reported

$236

Net charge-offs, as reported

$456

Net charge-offs, as adjusted

$322

Build/(Release), as adjusted

($86)

As of or for the three months ended

Adjustment for impact of alignment with regulatory

guidance (1)

($134)

(1) Pursuant to alignment with interagency guidance on practices for loans and lines of credit related to consumer lending in the first

quarter of 2013, additional charge-offs of $134 million were taken.