EX-99.2

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 2013 Form 10-K, 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 that report, 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 (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, pro

forma, 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.”

1Q14 Highlights

1Q14 financial

summary

Net income

Diluted EPS from

net income

Return on average

assets

$1.1 billion

$1.82

1.35%

Successful first quarter

Stronger capital position

Executing on strategic priorities

–

Continued loan and deposit growth

–

Reduced expenses

–

Improved credit quality

–

Seasonal trends impact

–

Pro

forma

fully

phased-in

Basel

III

common

equity

Tier

capital

ratio

9.7%

(1)

–

Capital action

Increased quarterly common stock dividend by 9% to $0.48 for 2Q14

Plan to repurchase up to $1.5 billion of common stock over the four quarter

period starting in 2Q14

(2)

(1) Estimated as of March 31, 2014. We previously referred to the Basel III common equity Tier 1 capital ratio as the Basel III Tier 1 common capital ratio. Calculated on a

pro forma basis without the benefit of the Basel III phase-in provisions. For 1Q14, the resulting fully phased-in Basel III common equity Tier 1 capital ratio was calculated

based on the standardized approach RWAs. See Estimated Transitional Basel III and Pro forma Fully Phased-In Basel III Common Equity Tier 1 Capital Ratios and related

information in the Appendix for further details. (2) Through 1Q15, subject to factors such as market and general economic conditions, economic and regulatory capital

conditions, alternative uses of capital, regulatory and contractual limitations, and the potential impact on credit ratings.

Continued Loan Growth and Capital Improvement

Investment securities declined by

$1.7 billion due to net payments

and maturities

Loans

increased $2.6 billion

Highlights

% change from:

Category (billions)

Mar. 31,

2014

Dec. 31,

2013

Mar. 31,

2013

Investment securities

$58.6

(2.7%)

(1.2%)

Total commercial lending

$120.8

3.1%

9.5%

Total consumer lending

77.4

(1.3%)

1.7%

Total loans

$198.2

1.3%

6.3%

Total assets

$323.4

1.0%

7.6%

Transaction deposits

$188.1

0.9%

7.2%

Total deposits

$222.4

0.7%

5.1%

Total shareholders’

equity

$43.3

2.3%

9.4%

Transitional

Basel

III

common

equity

Tier 1

(2,3)

10.8%

N/A

Pro forma Fully Phased-In Basel III

common equity Tier 1

(3,4)

9.7%

9.4%

8.0%

Tangible book value per common

share (TBV)

(5)

$56.33

$54.57

$50.30

Book value per common share

$73.73

$72.07

$68.10

Balances at period-end

Mar. 31,

2014

Dec. 31,

2013

Mar. 31,

2013

Capital

ratios:

(1,5)

Linked quarter:

Prior Year Quarter:

Loans grew $11.7 billion within

commercial and consumer

Deposits increased $10.8 billion

TBV growth of 12%

(5)

–

Commercial increased $3.6 billion

primarily in real estate, corporate

banking and business credit

–

Consumer decreased $1.0 billion

due to lower home equity,

residential mortgage, education

and credit card loans

Deposits grew $1.5 billion

Continued to enhance liquidity

position

Capital levels remained strong

(1) March 31, 2014 ratios estimated. (2) Calculated using the regulatory capital methodology applicable to PNC during 2014. See Note A in the Appendix for further details.

(3) We previously referred to Basel III common equity Tier 1 capital ratio as the Basel III Tier 1 common capital ratio. (4) Calculated on a pro forma basis without the benefit

of the Basel III phase-in provisions. For both 1Q14 and 4Q13, the resulting pro forma fully phased-in Basel III common equity Tier 1 ratios were calculated based on the

standardized approach RWAs. Advanced approaches RWAs were utilized for 1Q13. See Estimated Transitional Basel III and Pro forma Fully Phased-In Basel III Common

Equity Tier 1 Capital Ratios and related information in the Appendix for further details. (5) See Appendix for additional information related to capital ratios and TBV.

Seasonal Trends Impacted Results

Highlights

Revenue declined 7% due to lower

repurchase reserves release and

impact of seasonality, as expected

Noninterest expense decline of 10%

reflected overall disciplined expense

management and seasonality

Credit costs declined as overall

credit trends continued to improve

Strong returns

Prior Year Quarter:

Pretax pre-provision earnings

(2,5)

decreased 5% primarily due to net

interest income decline of 8%

partially offset by decreased

expenses of 4%

Net income increased 7%

Linked quarter:

$ change from:

(millions)

1Q14

4Q13

1Q13

Net interest income

$2,195

($71)

($194)

Noninterest income

1,582

(225)

Total revenue

$3,777

($296)

($178)

Noninterest

expense

(1)

$2,264

($250)

($104)

Pretax pre-provision

earnings

(2,5)

$1,513

($46)

($74)

Provision

(19)

(142)

Pretax

earnings

(3)

1,419

(27)

Net income

$1,060

($14)

$65

Returns

ROAA

(4)

1.35%

1.36%

1.33%

ROACE

(4)

10.36%

10.71%

10.58%

(1) Prior period amounts have been updated to reflect first quarter 2014 adoption of ASU 2014-01 related to low income housing tax credits.

(2),(3),(4) See Notes B, C and D, respectively, in the Appendix for additional details. (5) See Reconcilement section of the Appendix.

Core NII

(1)

$2,032

($43)

($108)

Scheduled accretion

134

(29)

(65)

Excess

cash

recoveries

(2)

(21)

Total purchase accounting

accretion (PAA)

163

(28)

(86)

Total NII

$2,195

($71)

($194)

Margins

Net interest margin (NIM)

3.26%

3.38%

3.81%

Core NIM

(3)

3.02%

3.10%

3.43%

Loan Growth Delivered Stable Core NII

(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).

See

also

Note

the

Appendix.

(2)

See

Note

Appendix

for

further

details.

(3)

Net

interest

margin

less

(annualized PAA/average interest-earning assets). See Reconcilement in Appendix.

Highlights

Linked quarter:

Prior year quarter:

Average interest-earning assets

increased 2% due to investment

securities balance increase of 2%

and 1% loan growth

NII declined 3%

Core NII

(1)

impacted by lower day

count and otherwise relatively

consistent with 4Q13

PAA declined as expected

NIM declined largely due to lower

PAA and asset yields and actions

taken to improve our liquidity

Average interest-earning assets

growth of 8% driven by average

loan growth of 6%

Core NII

(1)

decreased primarily due

to lower asset yields

change

from:

(billions)

1Q14

4Q13

1Q13

Average interest-earning assets

$275.8

$5.3

$19.6

(millions)

Noninterest Income Reflected Repurchase Reserves

Release and Seasonality

Highlights

(1) Asset management includes the Asset Management Group (AMG) and BlackRock. (2) Credit valuations associated with customer-related

derivatives activities. (3) See Reconcilement section of the Appendix.

Fee income impacted by seasonality

Asset management and Corporate

Services fee income stable

Noninterest income declined 12%:

Linked quarter:

Prior Year Quarter:

Fee income increased 1%

(3)

Fee income adjusted for residential

mortgage increased 8%

(3)

Asset management grew 18%

Corporate services up 9%

Deposit service charges grew 8%

change

from:

(millions)

1Q14

4Q13

1Q13

Asset management

(1)

$364

$56

Consumer services

290

(37)

(6)

Corporate services

301

Residential mortgage

161

(110)

(73)

Deposit service charges

147

(11)

Fee income

$1,263

($158)

$12

Net gains on sales of securities

less net OTTI

Gain on VISA sales

Other

249

(134)

(62)

Total noninterest income

$1,582

($225)

$16

Noninterest income to total

revenue

42%

44%

40%

–

Pre-tax benefit from repurchase

reserves release lower by $105

million

–

Lower mortgage originations

–

Other income decreased due to

lower revenues from private

equity investments and credit

valuations (CVA)

(2)

and loan sales

Disciplined Expense Management While Investing for

Growth

Continued progress on CIP

(2)

savings initiatives

Noninterest expense decline of 10%

reflected overall disciplined expense

management and seasonal impact

Highlights

Linked quarter:

(1)

See

Note

the

Appendix.

(2)

CIP

refers

PNC’s

Continuous

Improvement

Program.

(3)

required

adoption

Accounting

Standards Update 2014-1, the 2013 periods have been updated for adoption of ASU 2014-1. This includes a reduction in noninterest expense

for

the

2013

periods.

The

efficiency

ratios

for

the

1Q13

and

4Q13

periods

listed

above

have

been

updated

reflect

the

adoption

this

ASU.

Prior Year Quarter:

Noninterest expense decline of 4%

largely reflected lower personnel

costs and the 1Q13 contribution to

the PNC Foundation as well as the

benefit of our continuous

improvement program

$ Change from

(millions)

1Q14

4Q13

1Q13

Personnel

$1,080

($127)

($89)

Occupancy

218

Equipment

201

Marketing

(14)

Other

713

(120)

(47)

Total noninterest expense

$2,264

($250)

($104)

Efficiency ratio

(1,3)

60%

62%

60%

–

Lower incentive compensation

costs as well as lower pension and

benefits costs

–

Contribution to PNC Foundation

occurred in 4Q13

–

Seasonally lower marketing costs

1Q14

4Q13

1Q13

4Q13

1Q13

Nonperforming

loans

(1,3)

$2,947

$3,088

$3,422

(5%)

(14%)

Total Past Due

(1,2)

$2,226

$2,490

$3,153

(11%)

(29%)

Net charge-offs

$186

$189

$456

(2%)

(59%)

Provision

$94

$113

$236

(17%)

(60%)

Loan loss reserves

to total loans

(4)

1.78%

1.84%

2.05%

Overall Credit Quality Continued to Improve

Highlights

(millions)

Continued credit quality

improvement

Maintained appropriate

reserves

% change from:

Linked quarter:

–

Overall delinquencies

declined 11%

–

Net charge-offs

(5)

were

stable and were .38%

of average loans

–

Provision for credit

losses declined

As of quarter end except net charge-offs and provision, which are for the quarter. (1) 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. Does not include loans held for sale. (2) Includes loans that are government guaranteed/insured, primarily residential

mortgages. Past due loans in this category totaled $1.6 billion in 1Q14. (3) Does not include foreclosed and other assets. Excludes certain government insure

or guaranteed loans and loans accounted for under the fair value option. (4) See Note H in the Appendix for additional details. (5) For the quarter and

annualized.

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 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 U.S. economic expansion will

speed up to an above trend growth rate near 2.8 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.

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.

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 2013 Form 10-K, 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 that report, 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, pro forma, 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.

Notes

Appendix

Explanatory Notes

(H) The allowance for loan and lease losses includes impairment reserves attributable to purchased impaired loans.

(F) PNC believes that core net interest income, a non-GAAP measure, is useful in evaluating components of net interest income.

(A) Transitional Basel III common equity Tier 1 capital ratio is common equity Tier 1 capital (using the definitions of, and deductions

from, capital under Basel III, as such definitions and deductions are phased-in for 2014) divided by period-end Basel I risk-

weighted assets with 2014 transition adjustments as defined by the Basel III rules.

(E) Excess cash recoveries represent cash payments from customers that exceeded the recorded investment of the designated

impaired loans.

(G) Efficiency ratio calculated as noninterest expense divided by total revenue.

(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.

(D) ROAA is Return on Average Assets and ROACE is Return on Average Common Shareholders' Equity.

Estimated Transitional Basel III and Pro forma Fully Phased-In

Basel III Common Equity Tier 1 Capital Ratios

Appendix

As a result of the staggered effective dates of the final U.S. capital rules issued in July 2013, as well as the

fact that PNC remains in the parallel run qualification phase for the advanced approaches, PNC’s regulatory

capital ratios during 2014 are based on the definitions of, and deductions from, capital under Basel III (as

such definitions and deductions are phased-in for 2014) and Basel I risk-weighted assets (but subject to

certain adjustments as defined by the Basel III rules). We refer to the capital ratios calculated using these

Basel III phased-in provisions and Basel I risk-weighted assets as the Transitional Basel III ratios. These

capital ratios became effective for PNC on January 1, 2014.

We provide information on the next slide regarding PNC’s Transitional Basel III common equity Tier 1

ratio and PNC’s pro forma fully phased-in Basel III common equity Tier 1 ratio. We previously

referred to the Basel III common equity Tier 1 ratio as the Basel III Tier 1 common ratio. In addition,

on the next page we provide information regarding PNC’s Basel I Tier 1 common capital ratio, which

was applicable to PNC through 2013 under the U.S. regulatory capital rules.

Common equity Tier 1 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

common equity Tier 1 capital. Also, under Basel III, regulatory capital includes adjustments for

accumulated other comprehensive income related to securities currently and previously held as

available for sale, as well as pension and other postretirement plans, whereas under Basel I, those

items were excluded.

Estimated Transitional Basel III and Pro forma Fully Phased-In

Basel III Common Equity Tier 1 Capital Ratios

Appendix

Transitional Basel

III

Dollars in millions

Mar. 31, 2014

Dec. 31, 2013(a)

Mar. 31, 2013(a)

Common stock, related surplus, and retained earnings, net of treasury

stock

$38,722

$38,031

$35,305

Less regulatory capital adjustments:

Goodwill and disallowed intangibles, net of deferred tax liabilities

(8,932)

(9,291)

(9,321)

(9,412)

Basel III total threshold deductions

(215)

(1,193)

(1,386)

(2,076)

Accumulated other comprehensive income (b)

410

196

289

All other adjustments (c)

(17)

(108)

(64)

(580)

Estimated Common equity Tier 1 capital

29,640

28,540

27,456

23,526

Estimated Basel I risk-weighted assets calculated in accordance with

transition rules for 2014

275,574

N /A

Estimated Basel III standardized approach risk-weighted assets (d)

N /A

294,723

291,977

N /A

Estimated Basel III advanced approaches risk-weighted assets (e)

N /A

288,577

290,080

293,810

Estimated Basel III Common equity Tier 1 capital ratio

10.8%

9.7%

9.4%

8.0%

Risk-weighted assets utilized

Basel I (with transition

adjustments)

Standardized

Advanced

2013 Basel I Tier 1 Common Capital Ratios (a) (b)

Dollars in millions

Dec. 31, 2013

Mar. 31, 2013

Basel I Tier 1 common capital

$28,484

$25,680

Basel I risk-weighted assets

272,169

261,491

Basel I Tier 1 common capital ratio

10.5%

9.8%

Pro forma Fully Phased-In Basel III

(a) Effective January 1, 2014, the Basel I Tier 1 common capital ratio no longer applies to PNC (except for stress testing purposes).

(b) Amounts have not been updated to reflect the first quarter 2014 adoption of ASU 2014-01 related to low income housing tax credits.

PNC utilizes the pro forma fully phased-in 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. Our capital ratios and estimates may be impacted by additional regulatory guidance

or analysis of the rules, and, in the case of ratios calculated using the advanced approaches, the ongoing evolution, validation and regulatory approval of

PNC’s models integral to the calculation of advanced approaches risk-weighted assets.

(a) Amounts have not been updated to reflect the first quarter 2014 adoption of ASU 2014-1 related to low income housing tax credits.

(b) Represents net adjustments related to accumulated other comprehensive income for securities currently and previously held as available for sale, as well as

pension and other postretirement plans.

(d) Basel III standardized approach risk-weighted assets were estimated based on the standardized approach rules and include credit and market risk.

(e) Basel III advanced approaches risk-weighted assets were estimated based on the advanced approaches rules, and include credit, market and operational risk.

Tangible Book Value per Common Share

Appendix

Tangible Book Value per Common Share Ratio

3/31/14 vs.

12/31/13

3/31/14 vs.

3/31/13

Dollars in millions, except per share data

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2013

Book value per common share

73.73

72.07

68.10

2.3%

8.3%

Tangible book value per common share

Common shareholders' equity

39,378

38,392

36,006

Goodwill and Other Intangible Assets (a)

(9,621)

(9,654)

(9,763)

Deferred tax liabilities on Goodwill and Other Intangible Assets (a)

331

333

351

Tangible common shareholders' equity

30,088

29,071

26,594

Period-end common shares outstanding (in millions)

534

533

529

Tangible book value per common share (Non-GAAP)

56.33

54.57

50.30

3.2%

12.0%

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.

(a) Excludes the impact from mortgage servicing rights of $1.6 billion at both March 31, 2014 and December 31, 2013 and $1.2

billion at March 31, 2013.

% Change

Non-GAAP to GAAP Reconcilement

Appendix

$ in millions

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2013

Net interest margin, as reported

3.26%

3.38%

3.81%

Purchase accounting accretion (1)

$163

$191

$249

Purchase accounting accretion, if annualized

$661

$758

$1,010

Avg. interest earning assets

$275,778

$270,485

$256,180

Annualized purchase accounting accretion/Avg. interest-earning assets

0.24%

0.28%

0.38%

Core net interest margin (2)

3.02%

3.10%

3.43%

For the three months ended

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

(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. The adjustment represents annualized purchase accounting

accretion divided by average interest-earning assets.

$ in millions

Mar. 31, 2014

Dec. 31, 2013

% Change

Mar. 31, 2013

% Change

Net interest income

$2,195

$2,266

-3%

$2,389

-8%

Noninterest income

$1,582

$1,807

-12%

$1,566

Total revenue

$3,777

$4,073

-7%

$3,955

-5%

Noninterest expense

($2,264)

($2,514)

-10%

($2,368)

-4%

Pretax pre-provision earnings (1)

$1,513

$1,559

-3%

$1,587

-5%

Net income

$1,060

$1,074

-1%

$995

(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 three months ended