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 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 our 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 total net interest income (purchase accounting

accretion and the remainder, which we refer to as core net interest income), 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 period-end 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.”lations.”

Solid second quarter

Demonstrated progress on strategic priorities

Strong Basel III capital position

2Q14 financial

summary

Net income

Diluted EPS from

net income

Return on average

assets

$1.1 billion

$1.85

1.31%

2Q14 Highlights

–

Grew revenue, loans and capital

–

Well-managed expenses

–

Continued overall credit quality improvement

–

Fee income grew 8% linked quarter

(1)

–

Pro forma fully phased-in Basel III common equity Tier 1 capital ratio increased

to 10.0%

(2)

–

Capital actions

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

Repurchased 2.6 million common shares in 2Q14

(1) See Reconcilement section of the Appendix. (2) Estimated as of June 30, 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 2Q14, 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.

Continued Loan Growth and Capital Improvement

Investment securities declined by

$2.0 billion due to net payments

and maturities exceeding

reinvestment activity

Loans

increased $2.7 billion

Deposits grew $.2 billion

Highlights

% change from:

Category (billions)

June 30,

2014

Mar. 31,

2014

June 30,

2013

Investment securities

$56.6

(3.5%)

(1.5%)

Total commercial lending

$124.1

2.7%

9.5%

Total consumer lending

76.9

(0.7%)

0.5%

Total loans

$201.0

1.4%

5.9%

Total assets

$327.1

1.1%

7.5%

Transaction deposits

$188.5

0.2%

7.4%

Total deposits

$222.6

0.1%

4.8%

Total shareholders’

equity

$44.2

2.0%

9.9%

Capital ratios:

(1,5)

June 30,

2014

Mar. 31,

2014

June 30,

2013

Transitional Basel III common equity

Tier 1

(2,3)

11.0%

10.8%

N/A

Pro forma Fully Phased-In Basel III

common equity Tier 1

(3,4)

10.0%

9.7%

8.2%

Tangible book value per common

share (TBV)

(5)

$58.22

$56.33

$50.65

Book value per common share

$75.62

$73.73

$68.32

Balances at period-end

Linked quarter:

Prior Year Quarter:

Total loans grew 6%

Deposits increased 5%

TBV grew 15%

(5)

–

Commercial increased $3.3 billion

primarily in corporate banking

and real estate

–

Consumer decreased $.6 billion

due to lower home equity,

residential mortgage and

education loans

(1) June 30, 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 2Q14 and 1Q14, 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 2Q13. 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.

Stable Profitability and Strong Returns

Highlights

Revenue increased 1% driven by

higher noninterest income growth of

6% partially offset by lower NII of

Noninterest expense increase of 3%

partially attributable to seasonally

higher expenses offset by continued

disciplined expense management

Credit costs declined as overall

credit quality continued to improve

Returns remained strong

(1) Prior period amounts have been updated to reflect first quarter 2014 adoption of ASU 2014-01 related to investments in 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.

Prior Year Quarter:

Noninterest income impacted by

lower gains on asset sales and

valuations compared to 2Q13

Linked quarter:

$ change from:

(millions)

2Q14

1Q14

2Q13

Net interest income

$2,129

($66)

($129)

Noninterest income

1,681

(125)

Total revenue

$3,810

$33

($254)

Noninterest expense

(1)

$2,328

$64

($77)

Pretax pre-provision

earnings

(2,5)

$1,482

($31)

($177)

Provision

(22)

(85)

Pretax earnings

(3)

1,410

(9)

(92)

Net income

$1,052

($8)

($63)

Net income attributable to

diluted common shares

$995

$12

($54)

2Q14

1Q14

2Q13

Returns

ROAA

(4)

1.31%

1.35%

1.48%

ROACE

(4)

10.12%

10.36%

11.71%

Average interest-earning assets and

loans grew 1%

NII declined 3%

NIM declined largely due to lower

loan yields, the impact of the

commercial facility fees classification

change

(2)

and actions taken to

improve liquidity

Net Interest Income and NIM Declined

Total NII

$2,129

($66)

($129)

Less total purchase

accounting accretion (PAA)

147

(16)

(57)

Core NII

(1)

$1,982

($50)

($72)

(millions)

2Q14

Excluding impact of reclassifying

certain commercial facility

fees in 2Q14

(2)

$31

2Q14 Core NII before

classification change

$2,013

2Q14

1Q14

2Q13

Margins

Net interest margin (NIM)

3.12%

3.26%

3.58%

Core NIM

(3)

2.92%

3.02%

3.26%

Highlights

Linked quarter:

Prior year quarter:

$ change from:

(billions)

2Q14

1Q14

2Q13

Average interest-earning assets

$278.4

$2.6

$22.3

(millions)

–

Core NII declined $19 million,

excluding impact of commercial

facility fees classification

change

(2)

in 2Q14

–

Core NII impacted by lower loan

yields and securities balances

partially offset by commercial loan

growth

(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) (PAA). See also Note E in the Appendix. (2) Change in classification to noninterest income beginning 2Q14 of

certain commercial facility fees reported in net interest income in prior periods, equal to $31 million in 2Q14. (3) Core NIM is net interest

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

Core NII

(1)

impacted by lower asset

yields, the commercial facility fees

classification

change

(2)

and

higher

borrowed funds

Noninterest income growth of 6%

was primarily driven by strong fee

income growth of 8%

(2)

across our

diversified businesses

Fee income increased 6%

(2)

driven

primarily by growth in residential

mortgage, asset management and

deposit service charges as well as

the

classification

change

(3)

Other income declined primarily due

to lower revenue related to

valuations and asset sales

Strong Fee Income Growth

Highlights

(1) Asset management includes the Asset Management Group (AMG) and BlackRock. (2) See Reconcilement section of the Appendix.

(3) Change in classification to noninterest income beginning 2Q14 of certain commercial facility fees reported in net interest income in

prior periods, equal to $31 million in 2Q14, reflected in corporate service fees.

Linked quarter:

Prior Year Quarter:

$ change from:

(millions)

2Q14

1Q14

2Q13

Asset management

(1)

$362

($2)

$22

Consumer services

323

Corporate services

343

Residential mortgage

182

Deposit service charges

156

Fee income

$1,366

$103

$72

Net gains on sales of securities

less net OTTI

(7)

(15)

(64)

Gain on VISA sales

(8)

(29)

Other

268

(104)

Total noninterest income

$1,681

$99

($125)

2Q14

1Q14

2Q13

Noninterest income to total

revenue

44%

42%

44%

Fee income increased in part from the

commercial facility fees classification

change

(3)

Disciplined Expense Management While Investing for

Growth

Continued

progress

CIP

(2)

savings initiatives driven by

ongoing expense management

Noninterest expense increase of 3%

reflected seasonally higher

expenses

Highlights

Linked quarter:

Prior Year Quarter:

Noninterest expense decline of 3%

reflected well-managed expenses

$ change from:

(millions)

2Q14

1Q14

2Q13

Personnel

$1,172

$92

($14)

Occupancy

199

(19)

(7)

Equipment

204

Marketing

Other

685

(28)

(72)

Total noninterest expense

$2,328

$64

($77)

2Q14

1Q14

2Q13

Efficiency

ratio

(1,3)

61%

60%

59%

–

Higher personnel expense driven

by increased salaries and

incentive compensation costs

associated with seasonally higher

business activity

–

Higher marketing costs

(1) See Note F in the Appendix. (2) CIP refers to PNC’s Continuous Improvement Program. (3) As required on adoption of Accounting

Standards Update 2014-01, 2013 periods have been updated for adoption of ASU 2014-01. This includes a reduction in noninterest

expense for 2013 periods. The efficiency ratio for the 2013 period listed above has been updated to reflect the adoption of this ASU.

2Q14

1Q14

2Q13

1Q14

2Q13

Nonperforming

loans

(1,2)

$2,801

$2,947

$3,321

(5%)

(16%)

Total Past Due

(1,3)

$2,098

$2,226

$2,797

(6%)

(25%)

Net charge-offs

(5)

$145

$186

$208

(22%)

(30%)

Provision

$72

$94

$157

(23%)

(54%)

2Q14

1Q14

2Q13

Loan loss reserves

to total loans

(4)

1.72%

1.78%

1.99%

Overall Credit Quality Continued to Improve

Highlights

(millions)

Continued credit quality

improvement

% change from:

Linked quarter:

Maintained appropriate

reserves

As of quarter end except net charge-offs and provision, which are for the quarter. (1) Does not include purchased impaired loans or loans held

for sale. (2) Does not include foreclosed and other assets. Excludes certain government insured or guaranteed loans and loans accounted for

under the fair value option. (3) Includes loans that are government guaranteed/insured, primarily residential mortgages. Past due loans in

this category totaled $1.5 billion in 2Q14. (4) See Note G in the Appendix for additional details. (5) For the quarter and annualized.

–

Overall delinquencies

declined 6%

–

Net charge-offs

(5)

declined and were .29%

of average loans

(annualized)

–

Provision for credit

losses declined

Cautionary Statement Regarding Forward-Looking

Information

This presentation includes “snapshot” information about PNC used by way of illustration and is not intended as a full business or financial review.

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

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

revenues, expenses, capital 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 3.0 percent in the second half of 2014 and that short-term interest rates will remain very low and bond yields

will rise only slowly in the latter half of 2014. These forward-looking statements also do not, unless otherwise indicated, take into account

the impact of potential legal and regulatory contingencies.

Appendix

Cautionary Statement Regarding Forward-Looking

Information (continued)

Appendix

–

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,

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

business

and

operating

results

any

costs

associated

with

obtaining

rights

intellectual

property

claimed

others

and of adequacy of our intellectual property protection in general.

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:

Cautionary Statement Regarding Forward-Looking

Information (continued)

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 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 our 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.

Appendix

Notes

Appendix

Explanatory Notes

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

(E) 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.

(F) 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

risk-based 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 estimated Transitional Basel III common

equity Tier 1 ratio and PNC’s estimated 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 Tier 1 common capital. 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.

Estimated Transitional Basel III and Pro forma Fully Phased-In

Basel III Common Equity Tier 1 Capital Ratios

Appedix

Transitional Basel III

Pro forma Fully Phased-In Basel III

Dollars in millions

June 30, 2014

March 31, 2014

June 30, 2014

March 31, 2014

June 30, 2013(a)

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

$39,380

$38,722

$39,380

$38,722

$36,302

Less regulatory capital adjustments:

Goodwill and disallowed intangibles, net of deferred tax liabilities

(8,923)

(8,932)

(9,262)

(9,291)

(9,381)

Basel III total threshold deductions

(216)

(214)

(1,075)

(1,186)

(2,224)

Accumulated other comprehensive income (b)

115

576

410

(241)

All other adjustments (c)

(5)

(16)

(74)

(106)

(536)

Estimated Common equity Tier 1 capital

30,351

29,642

29,545

28,549

23,920

Estimated Basel I risk-weighted assets calculated in accordance with

transition rules for 2014 (d)

275,785

273,826

N/A

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

N/A

295,631

293,310

N/A

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

N/A

290,118

289,441

290,838

Estimated Basel III Common equity Tier 1 capital ratio

11.0%

10.8%

10.0%

9.7%

8.2%

Risk-weight and associated rules utilized

Basel I (with 2014

transition

adjustments)

Basel I (with

2014 transition

adjustments)

Standardized

Advanced

(a) 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.

(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) Includes credit and market risk-weighted assets.

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

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

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

Dollars in millions

Dec. 31, 2013

Jun. 30, 2013

Basel I Tier 1 common capital

$28,484

$26,668

Basel I risk-weighted assets

272,169

264,750

Basel I Tier 1 common capital ratio

10.5%

10.1%

(a) Effective January 1, 2014, the Basel I Tier 1 common capital

ratio no longer applies to PNC (except for stress testing purposes). Our

2013 Form 10-K included additional information regarding our Basel I capital ratios.

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.

Tangible Book Value per Common Share

Appendix

%Change

Tangible Book Value per Common Share Ratio

6/30/14 vs.

3/31/14

6/30/14 vs.

6/30/13

Dollars in millions, except per share data

June 30, 2014

Mar. 31, 2014

June 30, 2013

Book value per common share (a)

75.62

73.73

68.32

11%

Tangible book value per common share

Common shareholders' equity (a)

40,261

39,378

36,271

Goodwill and Other Intangible Assets (b)

(9,590)

(9,621)

(9,727)

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

327

331

346

Tangible common shareholders' equity

30,998

30,088

26,890

Period-end common shares outstanding (in millions)

532

534

531

Tangible book value per common share (Non-GAAP)

58.22

56.33

50.65

15%

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) Amounts for the 2013 period 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.

(b) Excludes the impact from mortgage servicing rights of $1.5 billion at June 30, 2014, $1.6 billion at March 31, 2014 and $1.5

billion at June 30, 2013.

Non-GAAP to GAAP Reconcilement

Appendix

For the three months ended

$ in millions

June 30, 2014

March 31, 2014

% change

June 30, 2013

% change

Asset management

$362

$364

-1%

$340

Consumer services

$323

$290

11%

$314

Corporate services

$343

$301

14%

$326

Residential mortgage

$182

$161

13%

$167

Deposit service charges

$156

$147

Total fee income, as reported

$1,366

$1,263

$1,294

For the three months ended

$ in millions

June 30, 2014

March 31, 2014

% change

June 30, 2013

% change

Net interest income

$2,129

$2,195

-3%

$2,258

-6%

Noninterest income

$1,681

$1,582

$1,806

-7%

Total revenue

$3,810

$3,777

$4,064

-6%

Noninterest expense

($2,328)

($2,264)

($2,405)

-3%

Pretax pre-provision earnings (1)

$1,482

$1,513

-2%

$1,659

-11%

Net income

$1,052

$1,060

-1%

$1,115

-6%

(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.