EX-99.1

Cautionary Statement Regarding Forward-Looking

Information and Adjusted Information

Our 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

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

that

follows

and

our

SEC

filings.

provide

greater

detail

regarding

these

well

other

factors

our

2013

Form

10-K

and

our first quarter 2014 Form 10-Q, 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.

this

presentation,

may

sometimes

refer

adjusted

results

help

illustrate

the

impact

certain

types

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 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

the

Appendix

and/or

other

slides

and

materials

our

corporate

website

www.pnc.com/investorevents

and

our

SEC

filings.

certain

discussions,

may

also

provide

information

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.

may

also

use

annualized,

pro

forma,

estimated

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,

qualified

GAAP

reconciliation

information

available

our

corporate

website

www.pnc.com

under

“About

PNC

–

Investor

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

Strong Financials

Financial Drivers

FY13 vs. FY12 Growth

Revenue

Noninterest

Income

(3)

17%

Noninterest

Expense

(3)

(8%)

Pretax Pre-Provision

Earnings

(4)

26%

(

Net

income

from

continuing

operations.

For

FY10,

this

excludes

income

from

discontinued

operations

$373

million.

For

the

other

periods

the

chart,

net

income

equals

income

from

continuing

operations

PNC

did

not

have

discontinued

operations

for

those

periods.

(2)

ROAA

return

average

assets.

ROAA

calculated

net

income

from

continuing

operations

divided

average

total

assets.

(3)

Prior

period

amounts

have

been

updated

reflect

the

first

quarter

2014

adoption

Accounting

Standards

Update

(ASU)

2014-01

investments

low

income

housing

tax

credits.

(4)

See

Note

and

PNC

reconciliation

the

Appendix

for

additional

details.

Up 40%

Y/Y

(1)

(2)

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

–

Continued loan and deposit growth

–

Reduced expenses

–

Improved credit quality

–

Seasonal trends impact

Stronger capital position

–

Pro

forma

fully

phased-in

Basel

III

common

equity

Tier

capital

ratio

9.7%

(1)

–

Capital actions

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

Executing on strategic priorities

(1)

March

31,

2014

and

calculated

based

the

Basel

III

standardized

approach.

previously

referred

the

Basel

III

common

equity

Tier

capital

ratio

the

Basel

III

Tier

common

capital

ratio.

Calculated

pro

forma

basis

without

the

benefit

the

Basel

III

phase-in

provisions.

See

Transitional

Basel

III

and

Pro

forma

Fully

Phased-

Basel

III

Common

Equity

Tier

Capital

Ratios

and

information

the

Appendix

for

further

details.

(2)

Through

1Q15,

subject

factors

such

market

and

general

economic

conditions,

economic

and

regulatory

capital

conditions,

alternative

uses

capital,

regulatory

and

contractual

limitations,

issuances

employee

benefit

plans

and

the

potential

impact

credit

ratings.

Plan

repurchase

$1.5

billion

common

stock

over

the

four

quarter

period

starting

2Q14

(2)

Capturing More Investable Assets

1Q14 Highlights

Retail Banking -

Brokerage Managed Account Assets

Asset Management Group

Continued momentum in asset

growth

AUA increased 3% linked quarter

Discretionary AUM core net flows

(3)

strength continues:

Noninterest income increased 9% for

1Q14 compared to 1Q13

CAGR

AMG -

Assets Under Administration (AUA)

40%

CAGR

AMG

refers

Asset

Management

Group.

AUM

refers

assets

under

management.

(1)

Represents

the

potential

households’

investable

assets

across

PNC’s

Retail

Bank

footprint

held

PNC’s

existing

customers.

Personal

investable

assets

excludes

principal

residence

and

relates

only

PNC’s

personal

investments

business

and

not

incremental.

(2)

Represents

the

value

investments

individuals

the

states

represented

the

RBC

Banks

(USA)

acquisition

even

where

overlaps

with

prior

PNC

states

such

Florida.

Source:

Data

Analytics

Research

using

IXI

household

data.

(3)

After

adjustment to total net flows for cyclical client activities.

Retail Banking Brokerage

Total investable assets opportunity of

$1.9 trillion across our existing Retail

Banking clients

(1)

Southeast market represents

$800B

(2)

potential high net worth

investable assets

–

$1.6 billion in 1Q14

–

$4.7 billion in FY13

–

Managed Account sales increased

15% in 1Q14

–

Total quarter-end Brokerage assets

of $41 billion, up 6% compared to

end of 1Q13

Noninterest Expense Trends

(1)

Continued Focus on Expense Management

2014 Expense Management

Opportunities

(1)

Prior

period

amounts

have

been

updated

reflect

the

first

quarter

2014

adoption

Accounting

Standards

Update

(ASU)

2014-01

investments

low

income

housing

tax

credits.

(2)

Percentage

decline

calculated

based

numbers

rounded

three

decimals.

(3)

See

Note

the

Appendix

for

further

details.

(4)

CIP

refers

PNC’s

Continuous

Improvement

Program.

Lowering service delivery costs

Branch reconfiguration and

consolidations

Re-engineering mortgage

servicing business

Enhancing online investment

platform and centralized

services

CIP

(4)

goal of $500 million

Down 4%

(2)

Down 8%

Highlights

Decreased expense reflected

our disciplined expense

management

Efficiency ratio

(3)

of 60% in

1Q14

Capital Strength Reflected in Stress Test

Source:

The

Board

Governors

the

Federal

Reserve

Dodd-Frank

Act

Stress

Test,

March

2014:

Supervisory

Stress

Test

Methodology

and

Results,

March

2014

(as

corrected).

(1)

The

variance

reflects

the

difference

under

the

Federal

Reserve’s

supervisory

stress

test

between

the

Basel

Tier

common

capital

ratios

reported

September

30,

2013

and

the

minimum

Basel

Tier

common

capital

ratio

reached

under

the

supervisory

severely

adverse

scenario

between

the

periods

4Q13

and

4Q15.

Ratios

were

calculated

using

the

capital

action

assumptions

contained

the

Federal

Reserve’s

Dodd-Frank stress testing rules.

Company Reported

Basel I Tier 1 Common Ratio (9/30/13)

Basel I Tier 1

Common Ratio Variance

(1)

BBT

USB

STI

PNC

FITB

KEY

CMA

WFC

MTB

JPM

COF

BAC

Strong Capital Build

Strong Capital Position Provides Capital Flexibility

Highlights

Capital priorities:

Increased quarterly common

stock dividend by 9% to

$0.48 for 2Q14

Plan to repurchase up to $1.5

billion of common stock

through 1Q15

(3)

(1)

previously

referred

the

Basel

III

common

equity

Tier

capital

ratio

the

Basel

III

Tier

common

capital

ratio.

(2)

Calculated

pro

forma

basis

without

the

benefit

the

Basel

III

phase-in

provisions.

For

both

1Q14

and

4Q13,

the

resulting

pro

forma

fully

phased-in

Basel

III

common

equity

Tier

ratios

were

calculated

based

the

Basel

III

standardized

approach.

Advanced

approaches

RWAs

and

rules

were

utilized

for

1Q13.

See

Transitional

Basel

III

and

Pro

forma

Fully

Phased-In

Basel

III

Common

Equity

Tier

Capital

Ratios

and

information

the

Appendix

for

further

details.

(3)

See

Note

on slide 7 above.

–

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

Relative Returns and Valuation

ROACE

(2)

3/31/14

USB

14.4%

WFC

14.2

COF

10.8

PNC

10.4

BBT

10.3

JPM

9.7

KEY

9.4

FITB

8.9

STI

8.1

8.0

MTB

8.0

CMA

7.6

BAC

-0.9

Current

Price/TBV

(3)

USB

2.76x

MTB

2.23

WFC

2.01

BBT

1.98

COF

1.58

FITB

1.51

PNC

1.48

STI

1.39

1.31

KEY

1.29

JPM

1.29

CMA

1.27

BAC

1.07

ROAA

(1)

3/31/14

WFC

1.59%

COF

1.57

USB

1.55

PNC

1.35

BBT

1.27

1.08

KEY

1.07

MTB

1.06

FITB

0.99

STI

0.93

JPM

0.88

CMA

0.86

BAC

-0.05

Peer Average

1.07%

Peer Average

1.63x

Peer Average

9.0%

Based on closing price as of 5/7/2014. Tangible book value (TBV)

as of 3/31/2014.

Peer

Source:

SNL

Datasource.

Peer

Average

average

peers

listed

table.

(1)

See

Note

slide

above.

(2)

ROACE

return

average

common

shareholders’

equity.

(3)

Price

tangible

book

value

(P/TBV)

based

closing

price

5/19/2014

and

TBV

3/31/2014.

PNC’s

tangible

book

value

(TBV)

3/31/2014

was

$56.33

and

its

book

value

was

$73.73.

See

Note

and

PNC

reconciliation

Appendix

for

further

details.

Cautionary Statement Regarding Forward-Looking

Information

Appendix

This

presentation

includes

“snapshot”

information

about

PNC

used

way

illustration

and

not

intended

full

business

financial

review.

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

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

expenses,

capital

and

liquidity

levels

and

ratios,

asset

levels,

asset

quality,

financial

position,

and

other

matters

regarding

affecting

PNC

and

its

future

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

statements

are

typically

identified

words

such

“believe,”

“plan,”

“expect,”

“anticipate,”

“see,”

“look,”

“intend,”

“outlook,”

“project,”

“forecast,”

“estimate,”

“goal,”

“will,”

“should”

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

uncertainties, which change over time.

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

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

performance.

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

–

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

customers’,

suppliers’

and

other

counterparties’

performance

and

creditworthiness.

–

Slowing or reversal of the current U.S. economic expansion.

–

Continued

residual

effects

recessionary

conditions

and

uneven

spread

positive

impacts

recovery

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

2014.

These

forward

looking

statements

also

not,

unless

otherwise

indicated,

take

into

account

the

impact

potential

legal

and

regulatory contingencies.

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

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

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 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.

addition

matters

relating

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

monetary

judgments

settlements

other

remedies,

including

fines,

penalties,

restitution

alterations in our business practices, and in additional expenses and collateral costs, and may cause reputational harm to

PNC.

–

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

with governmental agencies.

–

Impact

business

and

operating

results

any

costs

associated

with

obtaining

rights

intellectual

property

claimed

others and 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

third-party

insurance,

derivatives,

and

capital

management

techniques,

and

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

our

equity

interest

BlackRock,

Inc.

and

rely

significant

extent

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

new

geographic

other

markets

and

risks

resulting

from

our

inexperience

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

counterparty

creditworthiness

and

performance

and

the

competitive

and

regulatory

landscape.

Our

ability

anticipate

and

respond

technological

changes

can

also

impact

our

ability

respond

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 and our first quarter 2014 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, 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

the

earnings

projections

made

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

(A) 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 period-end common shares outstanding. PNC's book value per share was $47.64 and $73.73 at 12/31/09

and 3/31/14, respectively. See Appendix, Slide 30 for PNC reconciliation.

customers who have recently closed a loan with PNC, and their responses to three questions: Overall satisfaction, likelihood

to recommend, likelihood to use again. Responses are given a rating of 1-5 (5 being the best) and all 5s are considered to

be a “loyal customer”.

(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.

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

(D) 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 $10,0000 or more.

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

risk-based capital ratios in 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

defined

the

Basel

III

rules).

refer

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 slide 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 adopted by the U.S. banking

agencies 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, Basel I

regulatory capital excludes 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 III these items are a component of PNC's capital.

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

(214)

(1,186)

(1,386)

(2,076)

Accumulated other comprehensive income (b)

410

196

289

All other adjustments (c)

(16)

(106)

(64)

(580)

Estimated Common equity Tier 1 capital

29,642

28,549

27,456

23,526

Estimated Basel I risk-weighted assets calculated in accordance with

transition rules for 2014 (d)

273,826

N /A

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

N /A

293,310

291,977

N /A

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

N /A

289,441

290,080

293,810

Estimated Basel III Common equity Tier 1 capital ratio

10.8%

9.7%

9.4%

8.0%

Risk-weight and associated rules utilized

Basel I (with 2014

transition adjustments)

Standardized

Advanced

(b) Represents

net

adjustments

accumulated

other

comprehensive

income

for

securities

currently

and

previously

held

available

for

sale,

well

pension and other postretirement plans.

(d) Includes credit and market risk-weighted assets.

(e)

Estimated

based

Basel

III

standardized

approach

rules

and

includes

credit

and

market

risk-weighted

assets.

(f) Estimated based on Basel III advanced approaches rules and includes credit, market and operational risk-weighted assets.

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%

(a)

Effective

January

2014,

the

Basel

Tier

common

capital

ratio

longer

applies

PNC

(except

for

stress

testing purposes). Our 2013 Form 10-K included additional information regarding our Basel I capital ratios.

Pro forma Fully Phased-In Basel III

PNC utilizes the pro forma fully phased-in Basel III capital ratios to assess its capital position (without the benefit of phase-ins), including comparison to

similar estimates made by other financial institutions. Our Basel III capital ratios and estimates may be impacted by additional regulatory guidance or

analysis and, in the case of those 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.

(b) Amounts have not been updated to reflect the first quarter 2014 adoption of ASU 2014-01 related to investments

in low income housing tax credits.

(a) Amounts have not been updated to reflect the first quarter 2014 adoption of Accounting Standards Update (ASU) 2014-01 related to investments in low

income housing tax credits.

Tangible Book Value per Common Share

Appendix

Tangible Book Value per Common Share Ratio

3/31/14 vs.

12/31/09

Dollars in millions, except per share data

Mar. 31, 2014

Dec. 31, 2009

(b)

Book value per common share

73.73

47.64

55%

Tangible book value per common share

Common shareholders' equity

39,378

21,995

Goodwill and Other Intangible Assets (a)

(9,621)

(10,650)

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

331

738

Tangible common shareholders' equity

30,088

12,083

Period-end common shares outstanding (in millions)

534

462

Tangible book value per common share (Non-GAAP)

56.33

26.15

115%

(a) Excludes the impact from mortgage servicing rights of $1.6 billion at March 31, 2014 and $2.3 billion at December 31, 2009.

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.

(b) Prior period amounts have been updated to reflect the first quarter 2014 adoption of Accounting Standards Update (ASU)

2014-01 related to investments in low income housing tax credits.

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