Asset Quality (Tables)

6 Months Ended

Jun. 30, 2016

Table 46: Analysis of Loan Portfolio (a)

			Accruing
			Current or Less			30-59			60-89				90 Days				Total							Fair Value Option				Purchased				Total
			Than 30 Days			Days			Days				Or More				Past			Nonperforming				Nonaccrual				Impaired				Loans
Dollars in millions				Past Due		Past Due			Past Due				Past Due				Due (b)				Loans			Loans (c)				Loans			(d) (e)
June 30, 2016
	Commercial Lending
		Commercial	$	99,797		$	61			$	34			$	38		$	133			$	606						$	26		$	100,562
		Commercial real estate		28,569			5				11							16				143							112			28,840
		Equipment lease financing		7,596			1				4							5				19										7,620
	Total commercial lending			135,962			67				49				38			154				768							138			137,022
	Consumer Lending
		Home equity		28,604			63				27							90				926							1,263			30,883
		Residential real estate (f)		11,554			128				65				489			682				513			$	215			1,835			14,799
		Credit card		4,820			25				17				30			72				4										4,896
		Other consumer (g)		20,940			181				85				197			463				53										21,456
	Total consumer lending			65,918			397				194				716			1,307				1,496				215			3,098			72,034
		Total	$	201,880		$	464			$	243			$	754		$	1,461			$	2,264			$	215		$	3,236		$	209,056
	Percentage of total loans			96.57	%		.22	%			.12	%			.36	%		.70	%			1.08	%			.10	%		1.55	%		100.00	%
December 31, 2015
	Commercial Lending
		Commercial	$	98,075		$	69			$	32			$	45		$	146			$	351						$	36		$	98,608
		Commercial real estate		27,134			10				4							14				187							133			27,468
		Equipment lease financing		7,440			19				2							21				7										7,468
	Total commercial lending			132,649			98				38				45			181				545							169			133,544
	Consumer Lending
		Home equity		29,656			63				30							93				977							1,407			32,133
		Residential real estate (f)		10,918			142				65				566			773				549			$	225			1,946			14,411
		Credit card		4,779			28				19				33			80				3										4,862
		Other consumer (g)		21,181			180				96				237			513				52										21,746
	Total consumer lending			66,534			413				210				836			1,459				1,581				225			3,353			73,152
		Total	$	199,183		$	511			$	248			$	881		$	1,640			$	2,126			$	225		$	3,522		$	206,696
	Percentage of total loans			96.36	%		.25	%			.12	%			.43	%		.80	%			1.03	%			.11	%		1.70	%		100.00	%
(a)		Amounts in table represent recorded investment and exclude loans held for sale. Recorded investment in a loan includes the unpaid principal balance plus accrued interest and net accounting adjustments, less any charge-offs. Recorded investment does not include any associated valuation allowance.
(b)		Past due loan amounts exclude purchased impaired loans, even if contractually past due (or if we do not expect to receive payment in full based on the original contractual terms), as we are currently accreting interest income over the expected life of the loans.
(c)		Consumer loans accounted for under the fair value option for which we do not expect to collect substantially all principal and interest are subject to nonaccrual accounting and classification upon meeting any of our nonaccrual policies. Given that these loans are not accounted for at amortized cost, these loans have been excluded from the nonperforming loan population.
(d)		Net of unearned income, net deferred loan fees, unamortized discounts and premiums, and purchase discounts and premiums totaling $1.4 billion at both June 30, 2016 and December 31, 2015.
(e)		Future accretable yield related to purchased impaired loans is not included in the analysis of loan portfolio.
(f)		Past due loan amounts at June 30, 2016 include government insured or guaranteed Residential real estate mortgages totaling $57 million for 30 to 59 days past due, $47 million for 60 to 89 days past due and $466 million for 90 days or more past due. Past due loan amounts at December 31, 2015 include government insured or guaranteed Residential real estate mortgages totaling $56 million for 30 to 59 days past due, $45 million for 60 to 89 days past due and $545 million for 90 days or more past due.
(g)		Past due loan amounts at June 30, 2016 include government insured or guaranteed Other consumer loans totaling $110 million for 30 to 59 days past due, $64 million for 60 to 89 days past due and $184 million for 90 days or more past due. Past due loan amounts at December 31, 2015 include government insured or guaranteed Other consumer loans totaling $116 million for 30 to 59 days past due, $75 million for 60 to 89 days past due and $220 million for 90 days or more past due.

Nonperforming Assets

Table 47: Nonperforming Assets

			June 30			December 31
Dollars in millions				2016			2015
Nonperforming loans
	Total commercial lending		$	768		$	545
	Total consumer lending (a)			1,496			1,581
Total nonperforming loans (b) (c)				2,264			2,126
OREO and foreclosed assets
	Other real estate owned (OREO)			239			279
	Foreclosed and other assets			12			20
		Total OREO and foreclosed assets		251			299
Total nonperforming assets			$	2,515		$	2,425
Nonperforming loans to total loans				1.08	%		1.03	%
Nonperforming assets to total loans, OREO and foreclosed assets				1.20	%		1.17	%
Nonperforming assets to total assets				.70	%		.68	%
(a)	Excludes most consumer loans and lines of credit, not secured by residential real estate, which are charged off after 120 to 180 days past due and are not placed on nonperforming status.
(b)	Nonperforming loans exclude certain government insured or guaranteed loans, loans held for sale, loans accounted for under the fair value option and purchased impaired loans.
(c)	The recorded investment of loans collateralized by residential real estate property that are in process of foreclosure was $.4 billion and $.6 billion at June 30, 2016 and December 31, 2015, both included $.3 billion of loans that are government insured/guaranteed.

Commercial Lending Asset Quality Indicators

Table 48: Commercial Lending Asset Quality Indicators (a)(b)
					Criticized Commercial Loans
				Pass	Special									Total
In millions				Rated	Mention (c)		Substandard (d)			Doubtful (e)				Loans
June 30, 2016
	Commercial		$	94,962	$	2,174		$	3,237		$	163	$	100,536
	Commercial real estate			28,251		68			398			11		28,728
	Equipment lease financing			7,336		56			219			9		7,620
	Purchased impaired loans			35		1			91			11		138
		Total commercial lending	$	130,584	$	2,299		$	3,945		$	194	$	137,022
December 31, 2015
	Commercial		$	93,364	$	2,029		$	3,089		$	90	$	98,572
	Commercial real estate			26,729		120			481			5		27,335
	Equipment lease financing			7,230		87			150			1		7,468
	Purchased impaired loans					6			157			6		169
		Total commercial lending	$	127,323	$	2,242		$	3,877		$	102	$	133,544
(a)	Based upon PDs and LGDs. We apply a split rating classification to certain loans meeting threshold criteria. By assigning a split classification, a loan's exposure amount may be split into more than one classification category in the above table.
(b)	Loans are included above based on the Regulatory Classification definitions of "Pass", "Special Mention", "Substandard" and "Doubtful".
(c)	Special Mention rated loans have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects at some future date. These loans do not expose us to sufficient risk to warrant a more adverse classification at this time.
(d)	Substandard rated loans have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected.
(e)	Doubtful rated loans possess all the inherent weaknesses of a Substandard loan with the additional characteristics that the weakness makes collection or liquidation in full improbable due to existing facts, conditions, and values.

Home Equity and Residential Real Estate Balances

Table 49: Home Equity and Residential Real Estate Balances

			June 30		December 31
In millions				2016		2015
	Home equity and residential real estate loans - excluding purchased impaired loans (a)		$	41,750	$	42,268
	Home equity and residential real estate loans - purchased impaired loans (b)			3,379		3,684
	Government insured or guaranteed residential real estate mortgages (a)			834		923
	Difference between outstanding balance and recorded investment in purchased impaired loans			(281)		(331)
		Total home equity and residential real estate loans (a)	$	45,682	$	46,544
(a)	Represents recorded investment.
(b)	Represents outstanding balance.

Home Equity and Residential Real Estate Asset Quality Indicators

Table 50: Home Equity and Residential Real Estate Asset Quality Indicators – Excluding Purchased Impaired Loans (a) (b)

			Home Equity				Residential Real Estate
June 30, 2016 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (c)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	213	$	815	$	227	$	1,255
		Less than or equal to 660 (d) (e)		35		148		51		234
		Missing FICO		1		6		9		16

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		553		1,541		444		2,538
		Less than or equal to 660 (d) (e)		78		260		105		443
		Missing FICO		3		3		12		18

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		626		1,357		561		2,544
		Less than or equal to 660		81		203		82		366
		Missing FICO		1		2		16		19

	Less than 90% and updated FICO scores:
		Greater than 660		13,928		7,631		9,734		31,293
		Less than or equal to 660		1,257		842		600		2,699
		Missing FICO		24		12		287		323

	Missing LTV and updated FICO scores:
		Greater than 660						2		2
Total home equity and residential real estate loans			$	16,800	$	12,820	$	12,130	$	41,750

			Home Equity				Residential Real Estate
December 31, 2015 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (c)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	283	$	960	$	284	$	1,527
		Less than or equal to 660 (d) (e)		40		189		68		297
		Missing FICO		1		8		5		14

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		646		1,733		564		2,943
		Less than or equal to 660 (d) (e)		92		302		102		496
		Missing FICO		3		4		8		15

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		698		1,492		615		2,805
		Less than or equal to 660		88		226		94		408
		Missing FICO		1		3		10		14

	Less than 90% and updated FICO scores:
		Greater than 660		13,895		7,808		9,117		30,820
		Less than or equal to 660		1,282		923		570		2,775
		Missing FICO		31		18		105		154
Total home equity and residential real estate loans			$	17,060	$	13,666	$	11,542	$	42,268
(a)	Excludes purchased impaired loans of approximately $3.1 billion and $3.4 billion in recorded investment, certain government insured or guaranteed residential real estate mortgages of approximately $.8 billion and $.9 billion, and loans held for sale at June 30, 2016 and December 31, 2015, respectively. See the Home Equity and Residential Real Estate Asset Quality Indicators - Purchased Impaired Loans table below for additional information on purchased impaired loans.
(b)	Amounts shown represent recorded investment.
(c)	Based upon updated LTV (inclusive of combined loan-to-value (CLTV) for first and subordinate lien positions). Updated LTV is estimated using modeled property values. These ratios are updated at least semi-annually. The related estimates and inputs are based upon an approach that uses a combination of third-party automated valuation models (AVMs), broker price opinions (BPOs), HPI indices, property location, internal and external balance information, origination data and management assumptions. We generally utilize origination lien balances provided by a third-party, where applicable, which do not include an amortization assumption when calculating updated LTV. Accordingly, the results of these calculations do not represent actual appraised loan level collateral or updated LTV based upon lien balances held by others, and as such, are necessarily imprecise and subject to change as we enhance our methodology.
(d)	Higher risk loans are defined as loans with both an updated FICO score of less than or equal to 660 and an updated LTV greater than or equal to 100%.
(e)	The following states had the highest percentage of higher risk loans at June 30, 2016: New Jersey 16%, Pennsylvania 12%, Illinois 11%, Ohio 11%, Florida 7%, Maryland 7% and Michigan 4%. The remainder of the states had lower than 4% of the higher risk loans individually, and collectively they represent approximately 32% of the higher risk loans. The following states had the highest percentage of higher risk loans at December 31, 2015: New Jersey 14%, Pennsylvania 12%, Illinois 11%, Ohio 11%, Florida 7%, Maryland 7% and Michigan 5%. The remainder of the states had lower than 4% of the high risk loans individually, and collectively they represent approximately 33% of the higher risk loans.

Table 51: Home Equity and Residential Real Estate Asset Quality Indicators – Purchased Impaired Loans (a)

			Home Equity (b) (c)				Residential Real Estate (b) (c)
June 30, 2016 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	5	$	138	$	162	$	305
		Less than or equal to 660		5		62		60		127
		Missing FICO				2		4		6

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		9		314		165		488
		Less than or equal to 660		8		126		104		238
		Missing FICO				2		6		8

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		8		158		122		288
		Less than or equal to 660		5		71		66		142
		Missing FICO				1		3		4

	Less than 90% and updated FICO scores:
		Greater than 660		116		325		609		1,050
		Less than or equal to 660		81		168		421		670
		Missing FICO		1		3		26		30

	Missing LTV and updated FICO scores:
		Greater than 660		2				15		17
		Less than or equal to 660		1				4		5
		Missing FICO						1		1
Total home equity and residential real estate loans			$	241	$	1,370	$	1,768	$	3,379

			Home Equity (b) (c )				Residential Real Estate (b) (c)
December 31, 2015 - in millions			1st Liens		2nd Liens				Total
Current estimated LTV ratios (d)
	Greater than or equal to 125% and updated FICO scores:
		Greater than 660	$	6	$	164	$	147	$	317
		Less than or equal to 660		6		79		76		161
		Missing FICO				7		5		12

	Greater than or equal to 100% to less than 125% and updated FICO scores:
		Greater than 660		12		331		186		529
		Less than or equal to 660		9		145		118		272
		Missing FICO				8		7		15

	Greater than or equal to 90% to less than 100% and updated FICO scores:
		Greater than 660		10		167		133		310
		Less than or equal to 660		6		75		68		149
		Missing FICO				4		3		7

	Less than 90% and updated FICO scores:
		Greater than 660		106		345		665		1,116
		Less than or equal to 660		91		182		455		728
		Missing FICO		1		13		31		45

	Missing LTV and updated FICO scores:
		Greater than 660		1				14		15
		Less than or equal to 660		1				6		7
		Missing FICO						1		1
Total home equity and residential real estate loans			$	249	$	1,520	$	1,915	$	3,684
(a)	Amounts shown represent outstanding balance.
(b)	For the estimate of cash flows utilized in our purchased impaired loan accounting, other assumptions and estimates are made, including amortization of first lien balances, pre-payment rates, etc., which are not reflected in this table.
(c)	The following states had the highest percentage of purchased impaired loans at June 30, 2016: California 16%, Florida 14%, Illinois 11%, Ohio 9%, North Carolina 7%, and Michigan 5%. The remainder of the states had lower than a 4% concentration of purchased impaired loans individually, and collectively they represent approximately 38% of the purchased impaired portfolio. The following states had the highest percentage of purchased impaired loans at December 31, 2015: California 16%, Florida 14%, Illinois 11%, Ohio 9%, North Carolina 7% and Michigan 5%. The remainder of the states had lower than a 4% concentration of purchased impaired loans individually, and collectively they represent approximately 38% of the purchased impaired portfolio.
(d)	Based upon updated LTV (inclusive of combined loan-to-value (CLTV) for first and subordinate lien positions). Updated LTV is estimated using modeled property values. These ratios are updated at least semi-annually. The related estimates and inputs are based upon an approach that uses a combination of third-party automated valuation models (AVMs), broker price opinions (BPOs), HPI indices, property location, internal and external balance information, origination data and management assumptions. We generally utilize origination lien balances provided by a third-party, where applicable, which do not include an amortization assumption when calculating updated LTV. Accordingly, the results of these calculations do not represent actual appraised loan level collateral or updated LTV based upon lien balances held by others, and as such, are necessarily imprecise and subject to change as we enhance our methodology.

Credit Card and Other Consumer Loan Classes Asset Quality Indicators

Table 52: Credit Card and Other Consumer Loan Classes Asset Quality Indicators

		Credit Card (a)				Other Consumer (b)
				% of Total Loans				% of Total Loans
				Using FICO				Using FICO
Dollars in millions			Amount	Credit Metric			Amount	Credit Metric
June 30, 2016
	FICO score greater than 719	$	2,979	61	%	$	9,765	66	%
	650 to 719		1,362	28			3,594	24
	620 to 649		196	4			507	3
	Less than 620		207	4			584	4
	No FICO score available or required (c)		152	3			368	3
Total loans using FICO credit metric			4,896	100	%		14,818	100	%
	Consumer loans using other internal credit metrics (b)						6,638
Total loan balance		$	4,896			$	21,456
Weighted-average updated FICO score (d)				735				746
December 31, 2015
	FICO score greater than 719	$	2,936	60	%	$	9,371	65	%
	650 to 719		1,346	28			3,534	24
	620 to 649		202	4			523	4
	Less than 620		227	5			604	4
	No FICO score available or required (c)		151	3			501	3
Total loans using FICO credit metric			4,862	100	%		14,533	100	%
	Consumer loans using other internal credit metrics (b)						7,213
Total loan balance		$	4,862			$	21,746
Weighted-average updated FICO score (d)				734				744
(a)	At June 30, 2016, we had $32 million of credit card loans that are higher risk (i.e., loans with both updated FICO scores less than 660 and in late stage (90+ days) delinquency status). The majority of the June 30, 2016 balance related to higher risk credit card loans was geographically distributed throughout the following areas: Ohio 17%, Pennsylvania 16%, Michigan 8%, New Jersey 8%, Florida 7%, Illinois 6%, Maryland 5%, Kentucky 4%, and Indiana 4%. All other states had less than 4% individually and make up the remainder of the balance. At December 31, 2015, we had $34 million of credit card loans that are higher risk. The majority of the December 31, 2015 balance related to higher risk credit card loans was geographically distributed throughout the following areas: Ohio 17%, Pennsylvania 15%, Michigan 8%, New Jersey 8%, Florida 7%, Illinois 6%, Indiana 6%, Maryland 4% and North Carolina 4%. All other states had less than 4% individually and make up the remainder of the balance.
(b)	Other consumer loans for which updated FICO scores are used as an asset quality indicator include non-government guaranteed or insured education loans, automobile
	loans and other secured and unsecured lines and loans. Other consumer loans for which other internal credit metrics are used as an asset quality indicator include primarily
	government guaranteed or insured education loans, as well as consumer loans to high net worth individuals. Other internal credit metrics may include delinquency status,
	geography or other factors.
(c)	Credit card loans and other consumer loans with no FICO score available or required generally refers to new accounts issued to borrowers with limited credit history, accounts for which we cannot obtain an updated FICO score (e.g., recent profile changes), cards issued with a business name, and/or cards secured by collateral. Management proactively assesses the risk and size of this loan portfolio and, when necessary, takes actions to mitigate the credit risk.
(d)	Weighted-average updated FICO score excludes accounts with no FICO score available or required.

Summary of Troubled Debt Restructurings

Troubled Debt Restructurings (TDRs)

Table 53: Summary of Troubled Debt Restructurings

		June 30		December 31
In millions			2016		2015
Total commercial lending		$	588	$	434
Total consumer lending			1,860		1,917
	Total TDRs	$	2,448	$	2,351
Nonperforming		$	1,240	$	1,119
Accruing (a)			1,208		1,232
	Total TDRs	$	2,448	$	2,351
(a)	Accruing loans include consumer credit card loans and loans that have demonstrated a period of at least six months of performance under the restructured terms and are excluded from nonperforming loans. Loans where borrowers have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to PNC and loans to borrowers not currently obligated to make both principal and interest payments under the restructured terms are not returned to accrual status.

Financial Impact and TDRs by Concession Type

Table 54: Financial Impact and TDRs by Concession Type (a)

				Pre-TDR		Post-TDR Recorded Investment (c)
During the three months ended June 30, 2016		Number		Recorded			Principal		Rate
Dollars in millions		of Loans		Investment (b)			Forgiveness (d)		Reduction (e)		Other (f)		Total
Total commercial lending			30	$	204				$	42	$	141	$	183
Total consumer lending			2,670		57					38		16		54
	Total TDRs		2,700	$	261				$	80	$	157	$	237
During the three months ended June 30, 2015
Dollars in millions
Total commercial lending			37	$	42		$	4	$	3	$	21	$	28
Total consumer lending			2,769		86					47		36		83
	Total TDRs		2,806	$	128		$	4	$	50	$	57	$	111

Table 54: Financial Impact and TDRs by Concession Type (Continued) (a)

				Pre-TDR		Post-TDR Recorded Investment (c)
During the six months ended June 30, 2016		Number		Recorded			Principal		Rate
Dollars in millions		of Loans		Investment (b)			Forgiveness (d)		Reduction (e)		Other (f)		Total
Total commercial lending			72	$	372				$	52	$	283	$	335
Total consumer lending			5,635		125					82		36		118
	Total TDRs		5,707	$	497				$	134	$	319	$	453
During the six months ended June 30, 2015
Dollars in millions
Total commercial lending (d)			75	$	105		$	6	$	3	$	72	$	81
Total consumer lending			5,386		155					88		61		149
	Total TDRs		5,461	$	260		$	6	$	91	$	133	$	230
(a)	Impact of partial charge-offs at TDR date are included in this table.
(b)	Represents the recorded investment of the loans as of the quarter end prior to TDR designation, and excludes immaterial amounts of accrued interest receivable.
(c)	Represents the recorded investment of the TDRs as of the end of the quarter in which the TDR occurs, and excludes immaterial amounts of accrued interest receivable.
(d)	Includes principal forgiveness and accrued interest forgiveness. These types of TDRs result in a write down of the recorded investment and a charge-off if such action has not already taken place.
(e)	Includes reduced interest rate and interest deferral. The TDRs within this category result in reductions to future interest income.
(f)	Primarily includes consumer borrowers that have been discharged from personal liability through Chapter 7 bankruptcy and have not formally reaffirmed their loan obligations to PNC, as well as postponement/reduction of scheduled amortization and contractual extensions for both consumer and commercial borrowers.

Impaired Loans

Table 55: Impaired Loans

			Unpaid							Average
			Principal		Recorded		Associated			Recorded
In millions			Balance		Investment		Allowance (a)			Investment (b)
June 30, 2016
	Impaired loans with an associated allowance
		Commercial	$	661	$	489		$	140	$	395
		Commercial real estate		200		97			27		110
		Home equity		919		875			196		904
		Residential real estate		246		245			31		258
		Credit card		104		104			26		106
		Other consumer		27		24			1		25
	Total impaired loans with an associated allowance		$	2,157	$	1,834		$	421	$	1,798
	Impaired loans without an associated allowance
		Commercial	$	328	$	230				$	222
		Commercial real estate		201		144					152
		Home equity		471		215					200
		Residential real estate		509		389					389
		Other consumer		23		8					8
	Total impaired loans without an associated allowance		$	1,532	$	986				$	971
	Total impaired loans		$	3,689	$	2,820		$	421	$	2,769
December 31, 2015
	Impaired loans with an associated allowance
		Commercial	$	442	$	337		$	84	$	306
		Commercial real estate		254		130			35		197
		Home equity		978		909			216		965
		Residential real estate		272		264			35		359
		Credit card		108		108			24		118
		Other consumer		31		26			1		32
	Total impaired loans with an associated allowance		$	2,085	$	1,774		$	395	$	1,977
	Impaired loans without an associated allowance
		Commercial	$	201	$	118				$	87
		Commercial real estate		206		158					168
		Home equity		464		206					158
		Residential real estate		512		396					346
		Other consumer		24		8					8
	Total impaired loans without an associated allowance		$	1,407	$	886				$	767
	Total impaired loans		$	3,492	$	2,660		$	395	$	2,744
(a)	Associated allowance amounts include $.4 billion and $.3 billion for TDRs at June 30, 2016 and December 31, 2015, respectively.
(b)	Average recorded investment is for the six months ended June 30, 2016 and the year ended December 31, 2015, respectively.