EXHIBIT 12.2

The PNC Financial Services Group, Inc. and Subsidiaries

Computation of Ratio of Earnings

to Fixed Charges and Preferred Stock Dividends

	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 and preferred stock dividends excluding interest on deposits		663			358			347			433			782
Subtotal		2,605			2,093			1,915			2,254			1,346
Interest on deposits		981			484			457			659			1,229
Total	$	3,586		$	2,577		$	2,372		$	2,913		$	2,575
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
Preferred stock dividend requirements		1			1			1			1			20
Subtotal		663			358			347			433			782
Interest on deposits		981			484			457			659			1,229
Total	$	1,644		$	842		$	804		$	1,092		$	2,011
Ratio of earnings to fixed charges and preferred stock dividends
Excluding interest on deposits		3.93	x		5.85	x		5.52	x		5.21	x		1.72	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.