Commitments And Guarantees (Tables)

12 Months Ended

Dec. 31, 2014

Commitments and Guarantees [Abstract]

Credit Commitments

Table 148: Credit Commitments
			December 31		December 31
In millions			2014		2013
Net unfunded loan commitments
	Total commercial lending		$	99,837	$	90,104
	Home equity lines of credit			17,839		18,754
	Credit card			17,833		16,746
	Other			4,178		4,266
Total net unfunded loan commitments				139,687		129,870
Net outstanding standby letters of credit (a)				9,991		10,521
		Total credit commitments	$	149,678	$	140,391
(a)	Net outstanding standby letters of credit include $5.2 billion and $6.6 billion which support remarketing programs at December 31, 2014 and December 31, 2013, respectively.

Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit

Table 149: Internal Credit Ratings Related to Net Outstanding Standby Letters of Credit
		December 31			December 31
		2014			2013
Internal credit ratings (as a percentage of portfolio):
	Pass (a)		95	%		96	%
	Below pass (b)		5	%		4	%
(a)	Indicates that expected risk of loss is currently low.
(b)	Indicates a higher degree of risk of default.

Analysis of Commercial Mortgage Recourse Obligations

Table 150: Analysis of Commercial Mortgage Recourse Obligations
In millions		2014		2013
January 1	$	33	$	43
Reserve adjustments, net		2		(9)
Losses - loan repurchases and settlements				(1)
December 31	$	35	$	33

Analysis of Indemnification and Repurchase Liability for Asserted Claims and Unasserted Claims

Table 151: Analysis of Indemnification and Repurchase Liability for Asserted Claims and Unasserted Claims
		2014						2013
				Home						Home
				Equity						Equity
		Residential		Loans/				Residential		Loans/
In millions		Mortgages (a)		Lines (b)		Total		Mortgages (a)		Lines (b)(c)		Total
January 1		$	131	$	22	$	153	$	614	$	58	$	672
Reserve adjustments, net					20		20		(53)				(53)
Losses - loan repurchases and private investor settlements			(24)		(13)		(37)		(239)		(36)		(275)
Agency settlements									(191)				(191)
December 31		$	107	$	29	$	136	$	131	$	22	$	153
(a)	Repurchase obligation associated with sold loan portfolios of $57.4 billion and $91.9 billion at December 31, 2014 and December 31, 2013, respectively. The decrease
	at December 31, 2014 compared to December 31, 2013 reflects the exclusion of loans sold between 2000 and 2008 that were included in agency settlements and thus repurchase risk was mitigated.
(b)	Repurchase obligation associated with sold loan portfolios of $2.5 billion and $2.8 billion at December 31, 2014 and December 31, 2013, respectively. PNC is no longer engaged in the brokered home equity lending business, which was acquired with National City.
(c)	In prior periods, the unpaid principal balance of loans serviced for home equity loans/lines of credit in (b) above reflected the outstanding balance at the time of charge-off. During the second quarter of 2014, we corrected the outstanding principal balance to reflect the unpaid principal balance as of the reporting date. Accordingly, the prior period amount as of December 31, 2013 was reduced by $.8 billion.

Reinsurance Agreements Exposure

Table 152: Reinsurance Agreements Exposure (a)
		December 31				December 31
In millions		2014				2013
Accidental Death & Dismemberment			$	1,774			$	1,902
Credit Life, Accident & Health				467				621
Lender Placed Hazard (b) (c)				2,056				2,679
Borrower and Lender Paid Mortgage Insurance				45				133
Maximum Exposure			$	4,342			$	5,335
Percentage of reinsurance agreements:
Excess of Loss - Mortgage Insurance				1	%			2	%
Quota Share				99	%			98	%
Maximum Exposure to Quota Share Agreements with 100% Reinsurance			$	466			$	620
(a)	Reinsurance agreements exposure balances represent estimates based on availability of financial information from insurance carriers.
(b)	Through the purchase of catastrophe reinsurance connected to the Lender Placed Hazard Exposure, should a catastrophic event occur, PNC will benefit from this reinsurance. No credit for the catastrophe reinsurance protection is applied to the aggregate exposure figure.
(c)	Program has been placed into run-off for coverage issued or renewed on or after June 1, 2014 with policy terms one year or less.

Reinsurance Reserves Rollforward

A rollforward of the reinsurance reserves for probable losses for 2014 and 2013 follows:
Table 153: Reinsurance Reserves - Rollforward
In millions	2014		2013
January 1	$	32	$	61
Paid Losses		(20)		(45)
Net Provision		11		16
Changes to Agreements		(10)
December 31	$	13	$	32

Resale and Repurchase Agreements Offsetting

Table 154: Resale and Repurchase Agreements Offsetting
				Amounts				Securities
				Offset				Collateral
			Gross	on the		Net		Held Under
			Resale	Consolidated		Resale		Master Netting		Net
In millions			Agreements	Balance Sheet		Agreements (a) (b)		Agreements (c)		Amounts (b)
Resale Agreements
	December 31, 2014	$	1,646		$	1,646	$	1,569	$	77
	December 31, 2013		1,542			1,542		1,453		89
				Amounts				Securities
				Offset				Collateral
			Gross	on the		Net		Pledged Under
			Repurchase	Consolidated		Repurchase		Master Netting		Net
In millions			Agreements	Balance Sheet		Agreements (d) (e)		Agreements (c)		Amounts (e)
Repurchase Agreements
	December 31, 2014	$	3,406		$	3,406	$	2,580	$	826
	December 31, 2013		4,183			4,183		3,166		1,017
(a)	Represents the resale agreement amount included in Federal funds sold and resale agreements on our Consolidated Balance Sheet and the related accrued interest income in the amount of $1 million at both December 31, 2014 and December 31, 2013, respectively, which is included in Other Assets on the Consolidated Balance Sheet.
(b)	These amounts include certain long term resale agreements of $77 million at December 31, 2014 and $89 million at December 31, 2013, respectively, which are fully collateralized but do not have the benefits of a netting opinion and, therefore, might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting.
(c)	In accordance with the requirements of ASU 2011-11, represents the fair value of securities collateral purchased or sold, up to the amount owed under the agreement, for agreements supported by a legally enforceable master netting agreement.
(d)	Represents the repurchase agreement amount included in Federal funds purchased and repurchase agreements on our Consolidated Balance Sheet and the related accrued interest expense in the amount of less than $1 million at both December 31, 2014 and December 31, 2013, which is included in Other Liabilities on the Consolidated Balance Sheet.
(e)	These amounts include overnight repurchase agreements of $826 million and $966 million at December 31, 2014 and December 31, 2013, respectively, entered into with municipalities, pension plans, and certain trusts and insurance companies as well as certain long term repurchase agreements of $50 million at December 31, 2013, which are
	fully collateralized but do not have the benefits of a netting opinion and, therefore, might be subject to a stay in insolvency proceedings and therefore are not eligible under ASC 210-20 for netting. There were no long term repurchase agreements as of December 31, 2014.