Commitments And Guarantees (Tables)

9 Months Ended

Sep. 30, 2012

Commitments and Guarantees [Abstract]

Net Outstanding Standby Letters of Credit

Table 130: Net Outstanding Standby Letters of Credit
		September 30			December 31
Dollars in billions		2012			2011
Net outstanding standby letters of credit		$	11.4		$	10.8
Internal credit ratings (as a percentage of portfolio):
	Pass (a)		95	%		94	%
	Below pass (b)		5	%		6	%
(a)	Indicates that expected risk of loss is currently low.
(b)	Indicates a higher degree of risk of default.

Analysis of Commercial Mortgage Recourse Obligations

Table 131: Analysis of Commercial Mortgage Recourse Obligations
In millions		2012		2011
January 1	$	47	$	54
Reserve adjustments, net		4		2
Losses - loan repurchases and settlements		(8)		(7)
September 30	$	43	$	49

Analysis of Indemnification and Repurchase Liability for Asserted Claims and Unasserted Claims

Table 132: Analysis of Indemnification and Repurchase Liability for Asserted Claims and Unasserted Claims
		2012						2011
				Home						Home
				Equity						Equity
		Residential		Loans/				Residential		Loans/
In millions		Mortgages (a)		Lines (b)		Total		Mortgages (a)		Lines (b)		Total
January 1		$	83	$	47	$	130	$	144	$	150	$	294
Reserve adjustments, net			32		12		44		14				14
RBC Bank (USA) acquisition			26				26
Losses - loan repurchases and settlements			(40)		(8)		(48)		(34)		(22)		(56)
March 31		$	101	$	51	$	152	$	124	$	128	$	252
Reserve adjustments, net			438		15		453		21		3		24
Losses - loan repurchases and settlements			(77)		(5)		(82)		(50)		(76)		(126)
June 30		$	462	$	61	$	523	$	95	$	55	$	150
Reserve adjustments, net			37		4		41		31				31
Losses - loan repurchases and settlements			(78)		(3)		(81)		(41)		(4)		(45)
September 30		$	421	$	62	$	483	$	85	$	51	$	136
(a)	Repurchase obligation associated with sold loan portfolios of $111.0 billion and $126.7 billion at September 30, 2012 and September 30, 2011, respectively.
(b)	Repurchase obligation associated with sold loan portfolios of $4.3 billion and $4.6 billion at September 30, 2012 and September 30, 2011, respectively. PNC is no longer
	engaged in the brokered home equity business, which was acquired with National City.

Reinsurance Agreements Exposure

Table 133: Reinsurance Agreements Exposure (a)
		September 30				December 31
In millions		2012				2011
Accidental Death & Dismemberment			$	2,094			$	2,255
Credit Life, Accident & Health				841				951
Lender Placed Hazard (b)				2,795				2,899
Borrower and Lender Paid Mortgage Insurance				239				327
Maximum Exposure			$	5,969			$	6,432
Percentage of reinsurance agreements:
Excess of Loss - Mortgage Insurance				3	%			4	%
Quota Share				97	%			96	%
Maximum Exposure to Quota Share Agreements with 100% Reinsurance			$	840			$	950
(a)	Reinsurance agreements exposure balances represent estimates based on availability of financial information from insurance carriers.
(b)	Through the purchase of catastrophe reinsurance connected to the Lender Placed Hazard Exposure, should a catastrophic event occur PNC will benefit from this
	reinsurance. No credit for the catastrophe reinsurance protection is applied to the aggregate exposure figure.

Reinsurance Reserves Rollforward

A rollforward of the reinsurance reserves for probable losses for the first nine months of 2012 and 2011 follows:
Table 134: Reinsurance Reserves - Rollforward
In millions	2012		2011
January 1	$	82	$	150
Paid Losses		(51)		(94)
Net Provision		33		28
September 30	$	64	$	84