PNC Bank 2015 Annual Report Download - page 21

Statistical Disclosure By Bank Holding Companies
The following statistical information is included on the
indicated pages of this Report and is incorporated herein by
reference:
Form 10-K page
Average Consolidated Balance Sheet
And Net Interest Analysis 214-215
Analysis Of Year-To-Year Changes
In Net Interest Income 216
Book Values Of Securities 44-45
and 144-148
Maturities And Weighted-Average
Yield Of Securities 45 and 148
Loan Types 41-43, 127-128
and 217
Selected Loan Maturities And
Interest Sensitivity 220
Nonaccrual, Past Due And
Restructured Loans And Other
Nonperforming Assets
71-77,
113-116,
126-139 and 218
Potential Problem Loans And Loans
Held For Sale 45-46 and 71-79
Summary Of Loan Loss Experience 77-79, 141-143
and 219
Allocation Of Allowance For Loan
And Lease Losses 77-79 and 220
Average Amount And Average Rate
Paid On Deposits 214-215
Time Deposits Of $100,000 Or More 220
Selected Consolidated Financial
Data 32-33
Short-term borrowings – not
included as average balances
during 2015, 2014, and 2013 were
less than 30% of total
shareholders’ equity at the end of
each period.
Supervision and Regulation
PNC is a bank holding company (BHC) registered under the
Bank Holding Company Act of 1956 (BHC Act) and a
financial holding company under the Gramm-Leach-Bliley
Act (GLB Act).
We are subject to numerous governmental regulations, some
of which are highlighted below. See Note 19 Regulatory
Matters in the Notes To Consolidated Financial Statements in
Item 8 of this Report for additional information regarding our
regulatory matters. Applicable laws and regulations restrict
our permissible activities and investments, impose conditions
and requirements on the products and services we offer and
the manner in which they are offered and sold, and require
compliance with protections for loan, deposit, brokerage,
fiduciary, investment management and other customers,
among other things. They also restrict our ability to
repurchase stock or pay dividends, or to receive dividends
from our bank subsidiary, and impose capital adequacy and
liquidity requirements. The consequences of noncompliance
can include substantial monetary and nonmonetary sanctions.
In addition, we are subject to comprehensive supervision and
periodic examination by, among other regulatory bodies, the
Board of Governors of the Federal Reserve System (Federal
Reserve) and the Office of the Comptroller of the Currency
(OCC). These examinations consider not only compliance
with applicable laws, regulations and supervisory policies of
the agency, but also capital levels, asset quality, risk
management effectiveness, management ability and
performance, earnings, liquidity and various other factors. The
results of examination activity by any of our federal bank
regulators potentially can result in the imposition of
significant limitations on our activities and growth. These
regulatory agencies generally have broad discretion to impose
restrictions and limitations on the operations of a regulated
entity and take enforcement action against a regulated entity
where the relevant agency determines, among other things,
that such operations fail to comply with applicable law or
regulations or are conducted in an unsafe or unsound manner.
This supervisory framework, including the examination
reports and supervisory ratings (which are not publicly
available) of the agencies, could materially impact the
conduct, growth and profitability of our operations.
The Consumer Financial Protection Bureau (CFPB) is
responsible for examining PNC Bank and its affiliates
(including PNC) for compliance with most federal consumer
financial protection laws, including the laws relating to fair
lending and prohibiting unfair, deceptive or abusive acts or
practices in connection with the offer, sale or provision of
consumer financial products or services, and for enforcing
such laws with respect to PNC Bank and its affiliates. The
results of the CFPB’s examinations, which are not publicly
available, also can result in restrictions or limitations on the
operations of a regulated entity as well as enforcement actions
against a regulated entity, including the imposition of
substantial monetary penalties and nonmonetary requirements.
We also are subject to regulation by the SEC by virtue of our
status as a public company and by the SEC and the
Commodity Futures Trading Commission (CFTC) due to the
nature of some of our businesses. Our banking and securities
businesses with operations outside the United States,
including those conducted by BlackRock, are also subject to
regulation by appropriate authorities in the foreign
jurisdictions in which they do business.
As a regulated financial services firm, our relationships and
good standing with regulators are of fundamental importance
The PNC Financial Services Group, Inc. – Form 10-K 3