The PNC Financial Services Group, Inc.
Credit Suisse Financial Services Forum
February 11, 2014
Exhibit 99.1

2
Cautionary Statement Regarding Forward-Looking
Information and Adjusted Information
Our earnings conference call 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 and liquidity levels and ratios, 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 2012 Form 10-K and our 2013 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 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.
In this presentation, we may sometimes refer to adjusted results to help illustrate the impact of certain types of items. 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), on the impact of purchase accounting
accretion on net interest margin (core net interest margin calculated as net interest margin less (annualized purchase accounting accretion divided by average
interest-earning assets)), on pretax pre-provision earnings (total revenue less noninterest expense), and on tangible book value per common share (calculated based
on tangible common shareholders’ equity (common shareholders’ equity less goodwill and other intangible assets, other than servicing rights, net of deferred tax
liabilities on such intangible assets) divided by common shares outstanding). 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.”

3
Agenda
2013 financial performance
Strategic priorities update
Continued focus on expense management
and capital flexibility 

4
Corporate & Institutional
A leader in serving middle-market,
large corporate, government and non-
profit entities
Residential Mortgage
A primary consumer product
National distribution capabilities
(1) Rankings source: SNL DataSource; Holding companies (for assets) or Banks (for deposits, branches and ATMs) headquartered in
U.S. Assets rank excludes Morgan Stanley and Goldman Sachs.     Both Residential Mortgage Banking and Corporate & Institutional
Banking offices located in these states.
BlackRock
A leader in investment management, risk
management and advisory services
worldwide
December 31, 2013
U.S. Rank
(1)
Deposits
$221B
7
th
Assets
$320B
7
th
Branches
2,714
4
th
ATMs
7,445
3
rd
Footprint covering nearly half of the U.S.
population
Retail Banking
PNC’s Leading Franchise
A top 10 U.S. bank-held wealth
manager
Asset Management

5
Record FY13 Net Income
Financial Highlights -
FY13
ROAA
(1)
1.38%
ROACE
(1)
10.88%
Noninterest income
to total revenue
43%
(1) See Note A in the Appendix for additional details.

6
STI
PNC
FITB
BAC
WFC
USB
CMA
FY12-FY13
Expense growth
FY12-FY13
Loan growth
(1)
Strong Relative Performance
FY12-FY13
Pre-tax pre-provision growth
(2)
Peer Source: SNL Datasource. (1) Loan balances as of 12/31/2012 and 12/31/2013. (2) See Note B and PNC reconciliation in the
Appendix for further details. (2) Average refers to the average of the peers listed in the graph.
JPM
KEY
BBT
CMA
RF
WFC
USB
STI
KEY
CMA
WFC
USB
RF
BBT
JPM
FY12-FY13
Revenue growth
BBT
MTB
COF
Average
(2)
0%
-1%
0%
3%

7
Value Creation Through the Cycles
(1)
Peer
source:
SNL
Datasource.
See
Note
C
and
PNC
reconciliation
in
Appendix
for
further
details.
PNC’s
book
value
per
common
share
was
$43.60
at
12/31/2007
and
$72.21
at
12/31/2013.
(2)
WFC,
BAC,
STI
and
RF
tangible
book
value
per
share
for
12/31/2013
not
yet
available.
Included
in
the
graph
on
this
slide
is
the
percentage
change
in
their
reported
tangible
book
value
per
common
share
from
12/31/2007
to
9/30/13.
% change 12/31/2007 to 12/31/2013
Tangible Book Value Per Common Share
(1)
$17.93
$54.68
PNC
12/31/13
12/31/07

8
Drive growth in
acquired &
underpenetrated
markets
Capture more
investable assets
Build a stronger
Residential
Mortgage business
Bolster
infrastructure
&
streamline
processes
Revenue Growth and Efficiency Improvement
Opportunities
Targeted Outcomes
(1)
Increase
fee income
Expand
market share
Deepen
relationships
Improve
operating
efficiencies
Strategic Priorities
(1) Refer to Cautionary Statement in the Appendix, including economic and other assumptions. Does not take into account impact of
potential legal and regulatory or Federal debt ceiling contingencies.
Redefine
the
Retail
Banking
business

9
Deeper Penetration in Underpenetrated and Acquired
Markets
Total Corporate Banking and AMG sales
Total Corporate Banking and AMG cross-sales
AMG
refers
to
Asset
Management
Group.
(1)
Southeast
markets
defined
as
Alabama,
Georgia,
North
Carolina,
South
Carolina,
Florida
East,
Florida
West.
Includes
the
impact
of
RBC
Bank
(USA),
which
we
acquired
on
March
2,
2012.
(2)
Represents
PNC’s
Corporate
Banking
clients
excluding
new
clients
of
less
than
three
years
as
of
12/31/13.
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.
Deepening client relationships 
Northeast
Midwest
Northeast
Midwest
New client
Year 1
New client
Year 2
Existing
clients
(2)
Southeast
(1)
Southeast
(1)
Product Growth
Corporate Banking Primary Clients

10
Gaining Momentum in Southeast Markets
(1)
(1)
Southeast
markets
defined
as
Alabama,
Georgia,
North
Carolina,
South
Carolina,
Florida
East,
Florida
West.
Includes
the
impact
of
RBC
Bank
(USA),
which
we
acquired
on
March
2,
2012.
(2)
Total
DDA
households
refers
to
consumer
and
small
business
relationships.
(3)
A
Corporate
Banking
primary
client
is
defined
in
Note
2
on
slide
9.
(4)
FY12
average
loans
reflect
nine
months
of
activity
as
the
RBC
Bank
(USA)
acquisition
occurred
in
1Q12.
(5)
Asset
Management
Group
primary
client
is
defined
as
a
client
relationship
with
annual
revenue
generation
of
$10,000
or
more.
(6)
A
mortgage
with
a
borrower
as
part
of
a
residential
real
estate
purchase
transaction.
Asset Management Group
Residential Mortgage Banking
Retail Banking
Corporate & Institutional Banking
Total DDA households
(2)
Corporate Banking
new primary clients
(3)
New primary clients
(5)
Average Loans
Average Loans
Referral sales
Loan origination volume

11
Capturing More Investable Assets  
Highlights
Retail Banking -
Brokerage Managed Account Assets
Asset Management Group
Continued momentum in asset
growth
–
Managed Account assets
increased 50% from 12/31/12
to 12/31/13
–
Total Brokerage account
assets of $41 billion up 8% at
end of 2013 compared to end
of prior year
AUA increased 10% from
12/31/12 to 12/31/13 
Core net flows
(1)
of $4.7 billion
in Discretionary AUM in 2013,
up 84% over 2012
Noninterest income increased
11% in 2013 compared to 2012
AMG -
Assets Under Administration (AUA)
AMG
refers
to
Asset
Management
Group.
AUM
refers
to
assets
under
management.
(1)
After
adjustment
to
total
net
flows
for
cyclical
client
activities.
Retail Banking Brokerage

12
Successfully
migrating
customers
to
self-service
–
ATM/Mobile
usage
increasing
Retail Banking –
Redefining the Branch Network
2012
2013
Active online banking customers
Total deposit transactions
Retail Banking Headcount (HC) 
12 month change
Investment Professionals
Call Center Sales Reps.
Tellers
Total HC
(Dec. 2012 vs. Dec. 2013)

13
Building a Stronger Residential Mortgage Banking
Business
Closing applications faster
than industry
Purchase Applications to Close Date
(1)
A
mortgage
with
a
borrower
as
part
of
a
residential
real
estate
purchase
transaction.
(2)
Industry
loan
origination
volume
source:
Mortgage
Bankers
Association
(MBA),
January
14,
2014
publication.
(3)
PNC
Purchase
Fundings
Source:
Mortgage
Finance
data
warehouse.
(4)
MBA
Purchase
Fundings
Source:
Monthly
profile
of
state
and
national
mortgage
activity
YTD
December
2012
and
YTD
December
2013
publications.
(5)
Impact
on
the
majority
of
Purchase
applications
to
close
date
since
seamless
delivery
program
rollout
began
in
March
2013.
(6)
Industry
source:
MBA.
Growing purchase volume faster
than industry
Purchase
(1)
Fundings
Purchase
(1)
Refinance
2012 vs. 2013 volume increase
Loan Origination Volume

14
Building Best In Class Technology & Operations 
Focused Priorities
Establishing a foundation to support our scale and effectively
respond to our rapidly changing environments
Providing ability to grow with existing investments
Creating
a
competitive
advantage
–
improved
operational
efficiency
and business agility 
Retail transformation
Process management systems
Infrastructure enhancements

15
Noninterest Expense Trend
Continued Focus on Expense Management
Decreased expense reflected our
continued focus on disciplined
expense management
–
FY13 expenses down 7% for
first YOY decline since 2010
–
Exceeded $700 million FY13
CIP
(2)
targets
2013 Highlights
Lowering service delivery costs
Branch reconfiguration and
consolidations
Re-engineering mortgage
servicing business
Enhancing online investment
platform and centralized services
CIP
(2)
goal of $500 million
2014 expense management
opportunities
(1) See Note D in the Appendix for further details. (2) CIP refers to PNC’s Continuous Improvement Program.

16
Strong Capital Improvement
Strong Capital Position Provides Capital Flexibility
Highlights
Capital levels and ratios
continued to increase
Capital priorities:
–
Build capital to support
client growth and
business investment
–
Maintain appropriate
capital in light of
economic uncertainty
–
Return excess capital to
shareholders, subject to
the CCAR process
(1)
Estimated
as
of
December
31,
2013.
(2)
See
Note
E
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
and
based
on
estimated
Basel
III
advanced
approaches
risk-weighted
assets.
See
Estimated
Pro
forma
Basel
III
Tier
1
Common
Capital
and
related
information
in
the
Appendix
for
further
details.

17
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 and liquidity levels and ratios, 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
levels
of
U.S.
and
European
government
debt
and
concerns
regarding
the
creditworthiness
of
certain
sovereign
governments,
supranationals
and
financial
institutions
in
Europe.
–
Actions
by
the
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
reversal
of
the
current
U.S.
economic
expansion.
–
Continued
residual
effects
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
othe
r 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
U.S.
economic
expansion
will
speed
up
to
a
trend
growth
rate
near
2.5
percent
in
2014
as
drags
from
Federal
fiscal
restraint
subside,
and
that
short-term
interest
rates
will
remain
very
low
and
bond
yields
will
rise
only
slowly
in
2014.
These
forward-
looking
statements
also
do
not,
unless
otherwise
indicated,
take
into
account
the
impact
of
potential
legal
and
regulatory
contingencies
or
the
potential
impacts
of
the
Congress
failing
to
timely
address
the
authorized
level
of
the
Federal
borrowing
debt
ceiling.

18
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
to
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
most 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.

19
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
and
liquidity
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,
cyberattacks
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
our
2013
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.

20
Notes
Appendix
Explanatory Notes
(B) Pretax pre-provision earnings is defined as total revenue less noninterest expense. We believe that pretax pre-provision
earnings, a non-GAAP measure, is useful as a tool to help evaluate the ability to provide for credit costs through operations.
(A) ROAA is Return on Average Assets and ROACE is Return on Average Common Shareholders' Equity.
(E) Basel I Tier 1 common capital ratio is period-end Basel I Tier 1 common capital divided by period-end Basel I risk-weighted  
assets. 
(D) Efficiency ratio calculated as noninterest expense divided by total revenue.
(C) Tangible book value per common share calculated based on tangible common shareholders' equity (common shareholders'
equity less goodwill and other intangible assets, other than servicing rights, net of deferred tax liabilities on such intangible
assets) divided by common shares outstanding. Peer source: SNL Datasource. PNC's book value per share was $43.60 and $72.21
at 12/31/07 and 12/31/13, respectively. See Appendix, Slide 25 for PNC reconciliation. 

21
Estimated Pro forma Basel III Tier I Common Capital
Appendix
Basel I Tier 1 Common Capital Ratio
Dollars in millions
Dec. 31, 2013 (a)
Sept. 30, 2013
Dec. 31, 2012
Basel I Tier 1 common capital
$28,488
$27,540
$24,951
Basel I risk-weighted assets
271,192
             
266,698
           
260,847
               
Basel I Tier 1 common capital ratio
10.5%
10.3%
9.6%
(a) Estimated as of December 31, 2013.
Estimated Pro forma Basel III Tier 1 Common Capital Ratio
Dollars in millions
Dec. 31, 2013
Sept. 30, 2013
Dec. 31, 2012
Basel I Tier 1 common capital
$28,488
$27,540
$24,951
Less regulatory capital adjustments:
   Basel III quantitative limits
(1,398)
               
(2,011)
              
(2,330)
                  
   Accumulated other comprehensive income (a)
196
(231)
276
   All other adjustments
144
(49)
(396)
Estimated Basel III Tier 1 common capital
$27,430
$25,249
$22,501
Estimated Basel III advanced approaches risk-weighted assets
290,906
             
289,063
           
301,006
               
Pro forma Basel III Tier 1 common capital ratio
9.4%
8.7%
7.5%
(a) Represents net adjustments related to accumulated other comprehensive income for available for sale securities and pension and other postretirement benefit plans.
We provide information below regarding PNC’s pro forma fully phased-in Basel III Tier 1 common capital ratio and how it differs from the Basel I
Tier 1 common capital ratio. This Basel III ratio is calculated using PNC's estimated risk-weighted assets under the Basel III advanced
approaches.
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 the 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 any additional regulatory guidance and
the ongoing evolution, validation and regulatory approval of PNC's models integral to the calculation of advanced approaches risk-weighted
assets.

22
Non-GAAP to GAAP Reconcilement
Appendix
$ in millions
Dec. 31, 2013
Dec. 31, 2012
% Change
Net interest income
$9,147
$9,640
-5%
Noninterest income
$6,865
$5,872
17%
Total revenue
$16,012
$15,512
3%
Noninterest expense
($9,801)
($10,582)
-7%
Pretax pre-provision earnings (1)
$6,211
$4,930
26%
Net income
$4,227
$3,001
41%
(1) PNC believes that pretax, pre-provision earnings, a non-GAAP measure, is
useful as a tool to help evaluate the ability to provide for credit costs through
operations.
For
the year ended

23
Non-GAAP to GAAP Reconcilement
Appendix
$ in millions
Dec. 31, 2013
Dec. 31, 2012
% change
Asset management
$1,342
$1,169
Consumer services
$1,253
$1,136
Corporate services
$1,210
$1,166
Residential mortgage
$871
$284
Deposit service charges
$597
$573
Total fee income, as reported
$5,273
$4,328
22%
Residential mortgage
($871)
($284)
$4,402
$4,044
9%
Fee income, adjusted for Residential mortgage
For
the year ended
$ in millions
Dec. 31, 2013
Dec. 31, 2012
% change
Asset management
$1,342
$1,169
Consumer services
$1,253
$1,136
Corporate services
$1,210
$1,166
Residential mortgage
$871
$284
Deposit service charges
$597
$573
Total fee income, as reported
$5,273
$4,328
22%
Net gains on sales of securities less net OTTI
$83
$93
Other
$1,509
$1,451
   Total noninterest income, as reported
$6,865
$5,872
17%
For
the year ended

24
Non-GAAP to GAAP Reconcilement
Appendix
Tangible Book Value per Common Share Ratio
Dollars in millions, except per share data
Dec. 31, 2013
Dec. 31, 2007
Change
Book value per common share
72.21
$                       
43.60
$                      
Tangible book value per common share
Common shareholders' equity
38,467
$                     
14,847
$                    
Goodwill and Other Intangible Assets (a)
(9,654)
                       
(8,853)
                       
Deferred tax liabilities on Goodwill and Other Intangible Assets (a)
333
                           
119
                           
Tangible common shareholders' equity
29,146
$                     
6,113
$                      
Period-end common shares outstanding (in millions)
533
                           
341
                           
Tangible book value per common share
54.68
$                       
17.93
$                      
205%
(a) Excludes the impact from mortgage servicing rights of $1.6 billion at December 31, 2013 and $701 million at December 31, 2007.
PNC's tangible book value per common share at December 31, 2007 and December 31, 2013 without including the impact of deferred tax
liabilities on goodwill and other intangible assets other than mortgage servicing rights would have been $17.58 and $54.06, respectively.
Tangible book value per common share is a non-GAAP financial measure and is calculated based on tangible common shareholders' equity
divided by period-end common shares outstanding. We believe this non-GAAP financial measure serves as a useful tool to help evaluate the
strength and discipline of a company's capital management strategies and as an additional, conservative measure of total company value.

25
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