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Employee Benefit Plans
 6 Months Ended
Jun. 30, 2016
Employee Benefit Plans [Abstract]  
Employee Benefit Plans

Note 8 Employee Benefit Plans

Pension And Postretirement Plans

As described in Note 12 Employee Benefit Plans in our 2015 Form 10-K, we have a noncontributory, qualified defined benefit pension plan covering eligible employees. Benefits are determined using a cash balance formula where earnings credits are a percentage of eligible compensation. Any pension contributions to the plan are based on an actuarially determined amount necessary to fund total benefits payable to plan participants.

We also maintain nonqualified supplemental retirement plans for certain employees and provide certain health care and life insurance benefits for qualifying retired employees (postretirement benefits) through various plans. PNC reserves the right to terminate or make changes to these plans at any time. The nonqualified pension is unfunded.

The components of our net periodic pension and postretirement benefit cost for the three and six months ended June 30, 2016 and 2015, respectively, were as follows:

Table 74: Net Periodic Pension and Postretirement Benefit Costs
Qualified Pension PlanNonqualified Retirement PlansPostretirement Benefits
Three months ended June 30
In millions201620152016201520162015
Net periodic cost consists of:
Service cost$25$26$1$1$2$2
Interest cost 47453333
Expected return on plan assets(71)(74)(1)
Amortization of prior service credit(1)(2)(1)
Amortization of actuarial losses11811
Net periodic cost/(benefit)$11$3$5$5$3$5
Qualified Pension PlanNonqualified Retirement PlansPostretirement Benefits
Six months ended June 30
In millions201620152016201520162015
Net periodic cost consists of:
Service cost$51$53$1$1$3$3
Interest cost 93896677
Expected return on plan assets(141)(148)(2)
Amortization of prior service credit(3)(4)(1)
Amortization of actuarial losses221523
Net periodic cost/(benefit)$22$5$9$10$7$10