EXHIBIT 12.2

The PNC Financial Services Group, Inc. and Subsidiaries

Computation of Ratio of Earnings

to Fixed Charges and Preferred Stock Dividends

	Nine Months Ended		Year Ended December 31
Dollars in millions	September 30, 2005		2004		2003		2002		2001		2000
Earnings
Pretax income from continuing operations before adjustments for minority interest (1)	$	1,406	$	1,735	$	1,568	$	1,821	$	564	$	1,848
Fixed charges and preferred stock dividends excluding interest on deposits		473		358		347		433		782		1,062
Subtotal		1,879		2,093		1,915		2,254		1,346		2,910
Interest on deposits		676		484		457		659		1,229		1,653
Total	$	2,555	$	2,577	$	2,372	$	2,913	$	2,575	$	4,563
Fixed charges
Interest on borrowed funds	$	425	$	298	$	258	$	315	$	645	$	914
Interest component of rentals		47		58		59		58		53		50
Amortization of notes and debentures				1		1		1		1		1
Distributions on mandatorily redeemable capital securities of subsidiary trusts						28		58		63		67
Preferred stock dividend requirements		1		1		1		1		20		30
Subtotal		473		358		347		433		782		1,062
Interest on deposits		676		484		457		659		1,229		1,653
Total	$	1,149	$	842	$	804	$	1,092	$	2,011	$	2,715
Ratio of earnings to fixed charges and preferred stock dividends
Excluding interest on deposits		3.97x		5.85x		5.52x		5.21x		1.72x		2.74x
Including interest on deposits		2.22		3.06		2.95		2.67		1.28		1.68

(1) As defined in Item 503(d) of Regulation S-K.