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EXHIBIT 12.1 | |||||||||||||||||||
The PNC Financial Services Group, Inc. and Subsidiaries Computation of Ratio of Earnings to Fixed Charges (1) | |||||||||||||||||||
Year Ended December 31 | |||||||||||||||||||
Dollars in millions | 2017 | 2016 | 2015 | 2014 | 2013 | ||||||||||||||
Earnings | |||||||||||||||||||
Pretax income from continuing operations before adjustment for noncontrolling interests in consolidated subsidiaries or income or loss from equity investees | $ | 4,510 | $ | 4,642 | $ | 4,860 | $ | 4,993 | $ | 5,148 | |||||||||
Add: | |||||||||||||||||||
Distributed income of equity investees | 352 | 324 | 310 | 275 | 242 | ||||||||||||||
Fixed charges excluding interest on deposits | 1,227 | 978 | 796 | 734 | 664 | ||||||||||||||
Less: | |||||||||||||||||||
Noncontrolling interests in pretax income of subsidiaries that have not incurred fixed charges | 57 | 84 | 93 | 96 | 112 | ||||||||||||||
Interest capitalized | 1 | 1 | |||||||||||||||||
Earnings excluding interest on deposits | 6,032 | 5,860 | 5,872 | 5,905 | 5,942 | ||||||||||||||
Interest on deposits | 623 | 430 | 403 | 325 | 344 | ||||||||||||||
Total earnings | $ | 6,655 | $ | 6,290 | $ | 6,275 | $ | 6,230 | $ | 6,286 | |||||||||
Fixed charges | |||||||||||||||||||
Interest on borrowed funds | $ | 1,082 | $ | 830 | $ | 640 | $ | 581 | $ | 516 | |||||||||
Interest component of rentals | 144 | 147 | 153 | 152 | 148 | ||||||||||||||
Amortization of notes and debentures | 1 | 1 | 2 | ||||||||||||||||
Interest capitalized | 1 | 1 | |||||||||||||||||
Fixed charges excluding interest on deposits | 1,227 | 978 | 796 | 734 | 664 | ||||||||||||||
Interest on deposits | 623 | 430 | 403 | 325 | 344 | ||||||||||||||
Total fixed charges | $ | 1,850 | $ | 1,408 | $ | 1,199 | $ | 1,059 | $ | 1,008 | |||||||||
Ratio of earnings to fixed charges | |||||||||||||||||||
Excluding interest on deposits | 4.92 | x | 5.99 | x | 7.38 | x | 8.04 | x | 8.95 | x | |||||||||
Including interest on deposits | 3.60 | 4.47 | 5.23 | 5.88 | 6.24 |
(1) | As defined in Item 503(d) of Regulation S-K |