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 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 2014 Form 10-Qs, including in the Risk Factors and Risk

Management sections and in the Legal Proceedings and Commitments and Guarantees Notes of the Notes To Consolidated Financial Statements in

those reports, and in our subsequent SEC filings. Our forward-looking statements may also be subject to other risks and uncertainties, including

those we may discuss in this presentation or in 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, such as benefits/provisions

for residential mortgage repurchase obligations and gain related to BlackRock’s 2009 acquisition of Barclay Global Investors. 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 being 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,” which may include materials from other investor presentations or in our annual, quarterly or current reports.

% Chg From All Time High

(3)

Variance

(1)

Performance Through the Cycle

Tangible Book Value

Per Common Share

(2)

All Time High

(3)

Closing

Stock Price vs. 10/28/14

Basel I Tier 1 Common

Capital Ratios

(1)

Performance

through the cycle

Disciplined risk

management

culture

Diverse franchise

Strong capital

management

Strategies to

drive growth

Franchise

Differentiation

% Chg 12/31/07 to 6/30/14

(2)

(1)

Source:

The

Board

Governors

the

Federal

Reserve

System

Dodd-Frank

Act

Stress

Test

(DFAST),

March

2014:

Supervisory

Stress

Test

Methodology

and

Results,

March

2014

(as

corrected).

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

projected

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.

(2)

Peer

source:

SNL

DataSource.

See

Note

and

PNC

reconciliation

Appendix

for

further

details.

(3)

See

Note

Appendix

for

further

details.

Southeast

sales

(1)

+20% CAGR (’12 -’14)

Midwest sales

(2)

+8% CAGR (’09 -’14)

Drive growth in

acquired &

underpenetrated

markets

Capture more

investable assets

Redefine the Retail

Banking business

Build a stronger

Residential Mortgage

business

Bolster infrastructure &

streamline processes

Executing Our Strategic Priorities

Strategic Priorities Update

Total client investment assets

(3)

:$302B +9%

(9/30/14 vs. 9/30/13)

Executing according to plan

Increased % of Purchase

(5)

originations to 50%

of total originations in 3Q14

Fee income

(4)

+7% (YTD14 vs. YTD13)

(1)

Southeast

markets

defined

Alabama,

Georgia,

North

Carolina,

South

Carolina

and

Florida.

Sales

for

total

Corporate

Banking

and

AMG.

AMG

refers

Asset

Management

Group.

2014

annualized.

(2)

Sales

for

total

Corporate

Banking

and

AMG.

2014

annualized.

(3)

Total

client

assets

includes

both

AMG

client

assets

under

administration

and

brokerage

account

client

assets

from

Retail

Banking

Brokerage

business.

(4)

Retail

Banking

fee

income

refers

noninterest

income

the

following

categories:

service

charges

deposits,

brokerage,

and

consumer

services.

YTD

results

for

the

nine

months

ended

September

2014

and

2013.

See

Reconcilement

Appendix.

(5)

mortgage

with

borrower

part

residential

real

estate

purchase

transaction.

Capturing Long-Term Growth Potential in Attractive

Southeast Markets

(1)

Source:

YouGov

syndicated

brand

data,

September

2014.

(2)

New

primary

clients

reflect

the

combined

growth

Corporate

Banking

and

AMG.

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

$10,000

more.

Asset

Management

Group

(AMG)

primary

client

defined

client

relationship

with

annual

revenue generation of $10,000 or more. (3) Includes impact of RBC Bank (USA), which we acquired on March 2, 2012.

(5)

Alabama

Georgia

Florida

South Carolina

North Carolina

Southeast Highlights

Growth continues to outpace our

expectations

Teams and positions established with more

than 80% of our 6,000 employees focused

on customer interactions

Brand awareness increased to 65% in 3Q14

up from 50% in early 2013

(1)

New primary clients

(2)

for the nine months

ended September 30

2014 grew 29%

annually from the same period in 2012

(3)

Average loans grew 16% for the nine

months ended September 30 2014 from

the same period in 2012

(3)

and more than 2x

the growth in legacy markets

C&IB cross-sales percentages at their

highest levels since conversion

Branch network optimization included 69

consolidations and over 200 new ATM

locations since conversion

Diverse Businesses Driving Fee Income Growth

(1)

3Q14 Noninterest Income Mix

$1.7

billion

(2)

(4)

(3)

Strategies to drive higher fee income

across our franchise

Retail Banking

Increase share of wallet

Focus on product value for customers

Invest and grow mass affluent segment

Corporate & Institutional Banking

Leverage key franchises such as Harris Williams

Pursue cross-sell opportunities with recently

acquired clients

Deepen relationships via cross-sell with new

clients won during crisis

Asset Management Group

Leverage our referral channels

Capitalize on growth markets and Southeast

opportunities

Residential Mortgage Banking

Increase penetration of existing Retail Banking

households

Invest in purchase production

Selectively acquire Mortgage Servicing Rights

(MSR’s)

(1) See Appendix for fee income reconciliation. (2) Includes net commercial mortgage servicing rights valuation gains. (3) Includes benefit/provision for

residential mortgage repurchase obligations. (4) Other includes net gains on sales of securities, net other-than-temporary impairments and other income.

Other income includes gain on sale of a portion of VISA class B common shares and credit valuations for customer-related derivatives activities.

Year 1

(3)

Year 2

(4)

3Q14 10-Q

(1)

2.8%

7.0%

Balance Sheet Positioned for Rising Rates

Strategies

Grow loans within our risk appetite

Enhance our short-term liquidity position

Maintain investment securities portfolio flexibility

Maintain strong capital position

Net Interest Income Sensitivity

3Q14

(2)

100 Bps Parallel Increase

(1)

disclosed

forthcoming

3Q14

10-Q.

(2)

Third

Quarter

2014

Sensitivity

Simulation

reflects

the

interest

rate

risk

exposure

PNC’s

net

interest

income

(NII).

See

PNC’s

2013

10-K

and

2014

10-Qs

for

further

details

interest

rate

exposure

and

sensitivity.

(3)

Reflects

the

percentage

change

net

interest

income

first

year

result

gradual

100

bps

interest

rate

increase

over

following

twelve

months.

(4)

Reflects

the

percentage

change

net

interest

income

second

year

result

gradual

100bps

interest

rate

increase

over

preceding

twelve

months.

(5)

Reflects

base

case

model.

Given

the

inherent

limitations

certain

these

measurement

tools

and

techniques,

results

become

less

meaningful

interest

rates

approach

zero.

(1)

Stronger Capital Position

Capital Position Provides Capital Flexibility

Highlights

Capital priorities:

–

Build capital to support

client growth and business

investment

–

Maintain appropriate

capital in light of economic

uncertainty

–

Return excess capital to

shareholders, subject to

the CCAR process

Announced quarterly common

stock dividend of $0.48 for

3Q14

Repurchased 4.2 million

common shares for $360

million in 3Q14 under our

capital plan authorization

(5)

Payout Ratio

(4)

23%

45%

59%

(1) September 30, 2014 ratio estimated. (2) We previously referred to Basel III common equity Tier 1 capital ratio as the Basel III Tier 1 common capital ratio. (3) Calculated on a pro forma basis without the benefit of the

Basel III phase-in provisions. For 4Q13, 1Q14, 2Q14 and 3Q14, the resulting pro forma fully phased-in Basel III common equity Tier 1 ratios were calculated based on the standardized approach RWAs and rules. Advanced

approaches RWAs and rules were utilized for 3Q13. 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

(4) Payout ratio refers to amount used to fund common stock dividends and share repurchases as a percentage of net income. (5) Repurchased under our 2014 capital plan authorization of up to $1.5 billion of common stock

for four quarter period through 1Q15. Ability to purchase full amount is subject to factors such as market and general economic conditions, economic capital and regulatory capital conditions, alternative uses of capital,

regulatory and contractual limitations, issuances related to employee benefit plans and the potential impact on credit ratings.

Strategies to Drive Long-Term Potential

Strategic Priorities Update

Long-Term

Potential

(1)

Incremental annual

revenue of $500M

Total client

investment assets

growth of $100 billion+

Fee income

(2)

growth of

mid to upper single digits

Increase product

penetration to

8%-10%

(3)

Scalable

Drive growth in acquired &

underpenetrated markets

Capture more investable assets

Redefine the Retail Banking

business

Build a stronger Residential

Mortgage business

Bolster infrastructure &

streamline processes

(1)

Refer

Cautionary

Statement

Appendix,

including

economic

and

other

assumptions.

Does

not

take

into

account

the

impact

potential

legal

and

regulatory

contingencies.

(2)

Retail

Banking

fee

income

refers

noninterest

income

the

following

categories:

service

charges

deposits,

brokerage,

and

consumer

services.

(3)

Residential

Mortgage

product

penetration

based

cross-sales

existing

Retail

Banking

households

with

current

penetration

6%.

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

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.

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 at least in part on the

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 current and historical 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, pandemics, 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 2014 Form 10-Qs, including in the Risk

Factors and Risk Management sections and the Legal Proceedings and Commitments and Guarantees Notes of the Notes To Consolidated

Financial Statements in those reports, and in our subsequent SEC filings. Our forward-looking statements may also be subject to other risks

and uncertainties, including those we may discuss elsewhere in this presentation or in 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.

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 during 2013, 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

Appendix

Transitional Basel III

Pro forma Fully Phased-In Basel III

Dollars in millions

Sept. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Sept. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2013(a)

Sept. 30, 2013(a)

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

treasury stock

$39,808

$39,380

$38,722

$39,808

$39,380

$38,722

$38,031

$37,143

Less regulatory capital adjustments:

Goodwill and disallowed intangibles, net of deferred tax liabilities

(8,914)

(8,923)

(8,932)

(9,234)

(9,262)

(9,291)

(9,321)

(9,350)

Basel III total threshold deductions

(214)

(216)

(214)

(1,067)

(1,075)

(1,186)

(1,386)

(2,011)

Accumulated other comprehensive income (b)

100

115

501

576

410

196

(231)

All other adjustments (c)

(28)

(5)

(16)

(93)

(74)

(106)

(64)

(302)

Estimated Basel III Common equity Tier 1 capital

30,752

30,351

29,642

29,915

29,545

28,549

27,456

25,249

Estimated Basel I risk-weighted assets calculated in accordance

with transition rules for 2014 (d)

277,348

277,126

273,826

N/A

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

N/A

295,665

295,217

293,310

291,977

N/A

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

N/A

289,405

290,063

289,441

290,080

289,063

Estimated Basel III Common equity Tier 1 capital ratio

11.1%

11.0%

10.8%

10.1%

10.0%

9.7%

9.4%

8.7%

Risk-weight and associated rules utilized

Basel I (with

2014 transition

adjustments)

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 approaches rules, and include credit, market and operational risk-weighted assets.

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

Dollars in millions

Dec. 31, 2013

Sept. 30, 2013

Basel I Tier 1 common capital

$28,484

$27,540

Basel I risk-weighted assets

272,169

266,698

Basel I Tier 1 common capital ratio

10.5%

10.3%

(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

Tangible Book Value per Common Share Ratio

6/30/14 vs.

12/31/07

Dollars in millions, except per share data

June 30, 2014

Dec. 31, 2007

(a)

Book value per common share (a)

75.62

43.60

73%

Tangible book value per common share

Common shareholders' equity (a)

40,261

14,847

Goodwill and Other Intangible Assets (b)

(9,590)

(8,850)

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

327

119

Tangible common shareholders' equity

30,998

6,116

Period-end common shares outstanding (in millions)

532

341

Tangible book value per common share (Non-GAAP)

58.22

17.96

224%

(b) Excludes the impact from mortgage servicing rights of $1.5 billion at June 30, 2014 and $.7 billion at December 31, 2007.

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 2007 period 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.

% Change

Non-GAAP to GAAP Reconcilement

Appendix

$ in millions

September 30, 2013

September 30, 2014

% change

Service charges on deposits

$419

$461

Brokerage

$167

$176

Consumer services

$679

$714

Total Retail Banking fee income

$1,265

$1,351

Other

$268

$240

$1,533

$1,591

Total Retail Banking noninterest income, as reported

For

the nine months ended

For the three months ended

$ in millions

September 30, 2013

September 30, 2014

% change

September 30, 2013

September 30, 2014

% change

Asset management

$330

$411

$978

$1,137

Consumer services

$316

$320

$926

$933

Corporate services

$306

$374

$909

$1,018

Residential mortgage

$199

$140

$600

$483

Service charges on deposits

$156

$179

$439

$482

Total fee income

$1,307

$1,424

$3,852

$4,053

Net gains (losses) on sales of securities

$21

$96

Net other-than-temporary impairments

($2)

($1)

($16)

($4)

Other

$360

$314

$1,126

$947

Total noninterest income, as reported

$1,686

$1,737

$5,058

$5,000

-1%

For

the nine months ended

Non-GAAP to GAAP Reconcilement

Appendix

2007

2008

2009

2010

2011

2012

2013

Sept YTD14

Total revenue, as reported

5,891

6,296

16,228

15,176

14,326

15,512

16,012

11,428

Noninterest income, as reported

2,944

2,442

7,145

5,946

5,626

5,872

6,865

5,000

Noninterest income as % of total revenue

50%

39%

44%

39%

38%

43%

44%

Total revenue, as reported

5,891

6,296

16,228

15,176

14,326

15,512

16,012

11,428

Pretax

gain

BlackRock's

acquisition

Barclays

Global

Investors

(BGI)

(1,076)

Pretax

benefit/(provision)

for

residential

mortgage

repurchase

obligations

761

(53)

(4)

Total revenue, as adjusted

5,891

6,296

15,225

15,272

14,392

16,273

15,959

11,424

Noninterest income, as reported

2,944

2,442

7,145

5,946

5,626

5,872

6,865

5,000

Pretax gain related to BlackRock's acquisition of BGI

(1,076)

Pretax

benefit/(provision)

for

residential

mortgage

repurchase

obligations

761

(53)

(4)

Noninterest income, as adjusted

2,944

2,442

6,142

6,042

5,692

6,633

6,812

4,996

Noninterest income, as adjusted as % of total revenue, as adjusted

50%

39%

40%

41%

43%

44%