EXHIBIT 12.1

The PNC Financial Services Group, Inc. and Subsidiaries

Computation of Ratio of Earnings

to Fixed Charges

	Year Ended December 31
Dollars in millions	2005			2004			2003			2002			2001
Earnings
Pretax income from continuing operations before adjustments for minority interest (1)	$	1,942		$	1,735		$	1,568		$	1,821		$	564
Fixed charges excluding interest on deposits		662			357			346			432			762
Subtotal		2,604			2,092			1,914			2,253			1,326
Interest on deposits		981			484			457			659			1,229
Total	$	3,585		$	2,576		$	2,371		$	2,912		$	2,555
Fixed charges
Interest on borrowed funds	$	599		$	298		$	258		$	315		$	645
Interest component of rentals		63			58			59			58			53
Amortization of notes and debentures					1			1			1			1
Distributions on mandatorily redeemable capital securities of subsidiary trusts								28			58			63
Subtotal		662			357			346			432			762
Interest on deposits		981			484			457			659			1,229
Total	$	1,643		$	841		$	803		$	1,091		$	1,991
Ratio of earnings to fixed charges
Excluding interest on deposits		3.93	x		5.86	x		5.53	x		5.22	x		1.74	x
Including interest on deposits		2.18			3.06			2.95			2.67			1.28

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