Commitments And Guarantees (Tables)

6 Months Ended

Jun. 30, 2013

Commitments and Guarantees [Abstract]

Net Outstanding Standby Letters of Credit

Table 127: Net Outstanding Standby Letters of Credit
		June 30			December 31
Dollars in billions		2013			2012
Net outstanding standby letters of credit (a)		$	10.9		$	11.5
Internal credit ratings (as a percentage of portfolio):
	Pass (b)		96	%		95	%
	Below pass (c)		4	%		5	%
(a)	The amounts above exclude participations in standby letters of credit of $3.2 billion to other financial institutions as of June 30, 2013 and December 31, 2012. The amounts above also include $6.8 billion and $7.5 billion which support remarketing programs at June 30, 2013 and December 31, 2012, respectively.
(b)	Indicates that expected risk of loss is currently low.
(c)	Indicates a higher degree of risk of default.

Analysis of Commercial Mortgage Recourse Obligations

Table 128: Analysis of Commercial Mortgage Recourse Obligations
In millions		2013		2012
January 1	$	43	$	47
Reserve adjustments, net		(6)		5
Losses - loan repurchases and settlements				(4)
June 30	$	37	$	48

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

Table 129: Analysis of Indemnification and Repurchase Liability for Asserted Claims and Unasserted Claims
		2013						2012
				Home						Home
				Equity						Equity
		Residential		Loans/				Residential		Loans/
In millions		Mortgages (a)		Lines (b)		Total		Mortgages (a)		Lines (b)		Total
January 1		$	614	$	58	$	672	$	83	$	47	$	130
Reserve adjustments, net			4		(3)		1		32		12		44
RBC Bank (USA) acquisition									26				26
Losses - loan repurchases and settlements			(96)		(30)		(126)		(40)		(8)		(48)
March 31		$	522	$	25	$	547	$	101	$	51	$	152
Reserve adjustments, net			73		1		74		438		15		453
Losses - loan repurchases and settlements			(72)		(2)		(74)		(77)		(5)		(82)
June 30		$	523	$	24	$	547	$	462	$	61	$	523
(a)	Repurchase obligation associated with sold loan portfolios of $114.4 billion and $115.7 billion at June 30, 2013 and June 30, 2012, respectively.
(b)	Repurchase obligation associated with sold loan portfolios of $3.8 billion and $4.4 billion at June 30, 2013 and June 30, 2012, respectively. PNC is no longer engaged in
	the brokered home equity business, which was acquired with National City.

Reinsurance Agreements Exposure

Table 130: Reinsurance Agreements Exposure (a)
		June 30				December 31
In millions		2013				2012
Accidental Death & Dismemberment			$	1,973			$	2,049
Credit Life, Accident & Health				674				795
Lender Placed Hazard (b)				2,901				2,774
Borrower and Lender Paid Mortgage Insurance				183				228
Maximum Exposure			$	5,731			$	5,846
Percentage of reinsurance agreements:
Excess of Loss - Mortgage Insurance				3	%			3	%
Quota Share				97	%			97	%
Maximum Exposure to Quota Share Agreements with 100% Reinsurance			$	673			$	794
(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 six months of 2013 and 2012 follows:
Table 131: Reinsurance Reserves - Rollforward
In millions	2013		2012
January 1	$	61	$	82
Paid Losses		(21)		(35)
Net Provision		8		23
June 30	$	48	$	70

Resale and Repurchase Agreements Offsetting

Table 132: Resale and Repurchase Agreements Offsetting
				Amounts				Securities
				Offset				Collateral
			Gross	on the		Net		Held Under
			Resale	Consolidated		Resale		Master Netting		Net
In millions			Agreements	Balance Sheet		Agreements (a) (b)		Agreements (c)		Amounts (b)
Resale Agreements
	June 30, 2013	$	1,089		$	1,089	$	999	$	90
	December 31, 2012		975			975		884		91
				Amounts				Securities
				Offset				Collateral
			Gross	on the		Net		Pledged Under
			Repurchase	Consolidated		Repurchase		Master Netting		Net
In millions			Agreements	Balance Sheet		Agreements (d) (e)		Agreements (c)		Amounts (e)
Repurchase Agreements
	June 30, 2013	$	3,237		$	3,237	$	2,355	$	882
	December 31, 2012		3,215			3,215		2,168		1,047
(a)	Represents the resale agreement amount included in Federal funds sold and resale agreements on our Consolidated Balance Sheet and the related accrued interest income in the amount of $1 million at both June 30, 2013 and December 31, 2012, respectively, which is included in Other Assets on the Consolidated Balance Sheet.
(b)	These amounts include certain long term resale agreements of $89 million at both June 30, 2013 and December 31, 2012, respectively, which are fully collateralized but do not have the benefits of a netting opinion and therefore might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting.
(c)	In accordance with the requirements of ASU 2011-11, represents the fair value of securities collateral purchased or sold, up to the amount owed under the agreement, for agreements supported by a legally enforceable master netting agreement.
(d)	Represents the repurchase agreement amount included in Federal funds purchased and repurchase agreements on our Consolidated Balance Sheet and the related accrued interest expense in the amount of less than $1 million at both June 30, 2013 and December 31, 2012, which is included in Other Liabilities on the Consolidated Balance Sheet.
(e)	These amounts include overnight repurchase agreements of $832 million and $997 million at June 30, 2013 and December 31, 2012, respectively, entered into with municipalities, pension plans, and certain trusts and insurance companies as well as certain long term repurchase agreements of $50 million at both June 30, 2013 and December 31, 2012, which are fully collateralized but do not have the benefits of a netting opinion and therefore might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting.