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        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="pnc_CardAndCashManagementRevenue" abstract="false" name="CardAndCashManagementRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_LendingAndDepositServicesRevenue" abstract="false" name="LendingAndDepositServicesRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ResidentialAndCommercialMortgageRevenue" abstract="false" name="ResidentialAndCommercialMortgageRevenue" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_FinancingReceivableCreditLossAndOffBalanceSheetCreditLossLiabilityExpenseRecovery" abstract="false" name="FinancingReceivableCreditLossAndOffBalanceSheetCreditLossLiabilityExpenseRecovery" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_PreferredStockDiscountAccretionAndRedemptions" abstract="false" name="PreferredStockDiscountAccretionAndRedemptions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_NetIncomeLossAvailableToCommonStockholders" abstract="false" name="NetIncomeLossAvailableToCommonStockholders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_EquityInvestments" abstract="false" name="EquityInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_BorrowedFundsAbstract" abstract="true" name="BorrowedFundsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_InterestBearingDepositFairValueDisclosure" abstract="false" name="InterestBearingDepositFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_OtherBorrowedFundsFairValueDisclosure" abstract="false" name="OtherBorrowedFundsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ParValueOfPreferredStockOutstanding" abstract="false" name="ParValueOfPreferredStockOutstanding" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_MortgageServicingRightsValuationAdjustment" abstract="false" name="MortgageServicingRightsValuationAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleNetOfFailedSales" abstract="false" name="ProceedsFromSaleOfDebtSecuritiesAvailableForSaleNetOfFailedSales" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_RepaymentsMaturitiesInvestingAbstract" abstract="true" name="RepaymentsMaturitiesInvestingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_PurchasesInvestingAbstract" abstract="true" name="PurchasesInvestingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_NetChangeFinancingAbstract" abstract="true" name="NetChangeFinancingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_SalesFinancingAbstract" abstract="true" name="SalesFinancingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_ProceedsFromIssuanceOfFederalHomeLoanBorrowings" abstract="false" name="ProceedsFromIssuanceOfFederalHomeLoanBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ProceedsFromSalesIssuancesOfBankNotesAndSeniorDebt" abstract="false" name="ProceedsFromSalesIssuancesOfBankNotesAndSeniorDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ProceedsFromIssuanceOfCommonAndTreasuryStock" abstract="false" name="ProceedsFromIssuanceOfCommonAndTreasuryStock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="pnc_RepaymentsMaturitiesOfFederalHomeLoanBankBorrowings" abstract="false" name="RepaymentsMaturitiesOfFederalHomeLoanBankBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_RepaymentsMaturitiesOfSeniorDebt" abstract="false" name="RepaymentsMaturitiesOfSeniorDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_TransferFromLoansToForeclosedAssets" abstract="false" name="TransferFromLoansToForeclosedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_FirstBankHoldingCompanyMember" abstract="true" name="FirstBankHoldingCompanyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_InvestmentsTextBlock" abstract="false" name="InvestmentsTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_LoanSaleAndServicingActivitiesAndVariableInterestEntitiesAbstract" abstract="true" name="LoanSaleAndServicingActivitiesAndVariableInterestEntitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_LoanSaleAndServicingActivitiesAndVariableInterestEntitiesDisclosureTextBlock" abstract="false" name="LoanSaleAndServicingActivitiesAndVariableInterestEntitiesDisclosureTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_LegalProceedingsAbstract" abstract="true" name="LegalProceedingsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_ScheduleOfFairValueAndUnpaidPrincipalBalanceOfLoansAcquiredTableTextBlock" abstract="false" name="ScheduleOfFairValueAndUnpaidPrincipalBalanceOfLoansAcquiredTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_ScheduleOfFinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" abstract="false" name="ScheduleOfFinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_ScheduleOfFinancingReceivablePurchasedSeasonedLoansTableTextBlock" abstract="false" name="ScheduleOfFinancingReceivablePurchasedSeasonedLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_InvestmentSecuritiesTableTextBlock" abstract="false" name="InvestmentSecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_InvestmentSecuritiesDebtMaturitiesTableTextBlock" abstract="false" name="InvestmentSecuritiesDebtMaturitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_FairValueOfSecuritiesPledgedAndAcceptedAsCollateralTableTextBlock" abstract="false" name="FairValueOfSecuritiesPledgedAndAcceptedAsCollateralTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_SummaryOfTheClassificationOfPortfolioSegmentsTableTextBlock" abstract="false" name="SummaryOfTheClassificationOfPortfolioSegmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_NonperformingAssetsAndRelatedInformationTableTextBlock" abstract="false" name="NonperformingAssetsAndRelatedInformationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_CashFlowsAssociatedWithLoanSaleAndServicingActivitiesTableTextBlock" abstract="false" name="CashFlowsAssociatedWithLoanSaleAndServicingActivitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_PrincipalBalanceDelinquentLoansAndNetChargeOffsRelatedToServicedLoansTableTextBlock" abstract="false" name="PrincipalBalanceDelinquentLoansAndNetChargeOffsRelatedToServicedLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesCommercialMortgageLoanServicingAssetsTableTextBlock" abstract="false" name="ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesCommercialMortgageLoanServicingAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="pnc_ChangeInAccumulateOtherComprehensiveIncomeLossTableTextBlock" abstract="false" name="ChangeInAccumulateOtherComprehensiveIncomeLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_FairValueOptionChangesInFairValueGainLossTableTextBlock" abstract="false" name="FairValueOptionChangesInFairValueGainLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_ScheduleofFairValueandCashFlowHedgingInstrumentsStatementsofFinancialPerformanceandFinancialPositionLocationTableTextBlock" abstract="false" name="ScheduleofFairValueandCashFlowHedgingInstrumentsStatementsofFinancialPerformanceandFinancialPositionLocationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_GainsLossesOnDerivativesNotDesignatedAsHedgingInstrumentsUnderGaapTableTextBlock" abstract="false" name="GainsLossesOnDerivativesNotDesignatedAsHedgingInstrumentsUnderGaapTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_DerivativeAssetsAndLiabilitiesOffsettingTableTextBlock" abstract="false" name="DerivativeAssetsAndLiabilitiesOffsettingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_NoninterestIncomeDisaggregationByBusinessSegmentTableTextBlock" abstract="false" name="NoninterestIncomeDisaggregationByBusinessSegmentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="pnc_NumberOfCountriesOutsideTheUnitedStatesWhereStrategicInternationalOfficesAreHeld" abstract="false" name="NumberOfCountriesOutsideTheUnitedStatesWhereStrategicInternationalOfficesAreHeld" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsInBanksAndOtherFinancialInstitutions" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestBearingDepositsInBanksAndOtherFinancialInstitutions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDebtSecuritiesAvailableForSale" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDebtSecuritiesAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableCoveredAfterAllowanceForCreditLoss" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableCoveredAfterAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDebtAndLeaseObligation" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDebtAndLeaseObligation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLessNoncontrollingInterest" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLessNoncontrollingInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ShareBasedPaymentArrangementDeferredRestrictedStockCompensationVaie" abstract="false" name="ShareBasedPaymentArrangementDeferredRestrictedStockCompensationVaie" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CreditCardAndOtherConsumerMember" abstract="true" name="CreditCardAndOtherConsumerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossBusinessCombinationWriteoff" abstract="false" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossBusinessCombinationWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_FinancingReceivablePurchasedSeasonedLoanAmountAtParValue" abstract="false" name="FinancingReceivablePurchasedSeasonedLoanAmountAtParValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_FinancingReceivablePurchasedSeasonedLoanAllowanceForCreditLossAtAcquisitionDate" abstract="false" name="FinancingReceivablePurchasedSeasonedLoanAllowanceForCreditLossAtAcquisitionDate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_FinancingReceivablePurchasedSeasonedLoanDiscountPremium" abstract="false" name="FinancingReceivablePurchasedSeasonedLoanDiscountPremium" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_FinancingReceivablePurchasedSeasonedLoanAmountAtPurchasePrice" abstract="false" name="FinancingReceivablePurchasedSeasonedLoanAmountAtPurchasePrice" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_ResidentialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" abstract="true" name="ResidentialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" abstract="true" name="ResidentialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CommercialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" abstract="true" name="CommercialMortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CommercialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" abstract="true" name="CommercialMortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_FitchAAAORAARatingMember" abstract="true" name="FitchAAAORAARatingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_OCIDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAOCIForAmortizationOfGainLoss" abstract="false" name="OCIDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAOCIForAmortizationOfGainLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_InvestmentSecuritiesNetUnsettledInvestmentPurchases" abstract="false" name="InvestmentSecuritiesNetUnsettledInvestmentPurchases" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="pnc_AgencyAndNonAgencyFinancialSecuritiesDomain" abstract="true" name="AgencyAndNonAgencyFinancialSecuritiesDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="pnc_AfterOneYearThroughFiveYearsMember" abstract="true" name="AfterOneYearThroughFiveYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_AfterFiveYearsThroughTenYearsMember" abstract="true" name="AfterFiveYearsThroughTenYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_AfterTenYearsMember" abstract="true" name="AfterTenYearsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_WeightedAverageYieldGAAPBasisAvailableForSaleSecurities" abstract="false" name="WeightedAverageYieldGAAPBasisAvailableForSaleSecurities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="pnc_WeightedAverageYieldGAAPBasisHeldToMaturitySecurities" abstract="false" name="WeightedAverageYieldGAAPBasisHeldToMaturitySecurities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="pnc_FederalHomeLoanBankMember" abstract="true" name="FederalHomeLoanBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_NumberofPortfolioSegments" abstract="false" name="NumberofPortfolioSegments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pnc_FinancingReceivableAllowanceforCreditLossAndOffBalanceSheetCreditLossLiability" abstract="false" name="FinancingReceivableAllowanceforCreditLossAndOffBalanceSheetCreditLossLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_OtherConsumerLoansMember" abstract="true" name="OtherConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_FairValueOptionNonaccrualLoansMember" abstract="true" name="FairValueOptionNonaccrualLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_UnsecuredConsumerLoansMember" abstract="true" name="UnsecuredConsumerLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_RatioOfNonperformingAssetsToTotalLoansAndForeclosedAndOtherAssets" abstract="false" name="RatioOfNonperformingAssetsToTotalLoansAndForeclosedAndOtherAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="pnc_LTVGreaterThan100PercentMember" abstract="true" name="LTVGreaterThan100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_LTVGreaterThanOrEqualTo80PercentToLessThan100PercentMember" abstract="true" name="LTVGreaterThanOrEqualTo80PercentToLessThan100PercentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_NoLTVAvailableMember" abstract="true" name="NoLTVAvailableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_FICOScoreGreaterThanOrEqualTo780Member" abstract="true" name="FICOScoreGreaterThanOrEqualTo780Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_FICOScore720To779Member" abstract="true" name="FICOScore720To779Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="pnc_OtherLiabilitiesAdditionalFairValueInformation" abstract="false" name="OtherLiabilitiesAdditionalFairValueInformation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_LiabilitiesFinancialInstrumentsTotal" abstract="false" name="LiabilitiesFinancialInstrumentsTotal" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_OtherRiskManagementActivityMember" abstract="true" name="OtherRiskManagementActivityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_MortgageCommitmentMember" abstract="true" name="MortgageCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_ForeignExchangeAndOtherContractMember" abstract="true" name="ForeignExchangeAndOtherContractMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_DerivativeAssetSetoffRightAmount" abstract="false" name="DerivativeAssetSetoffRightAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_DerivativeLiabilitySetoffRightAmount1" abstract="false" name="DerivativeLiabilitySetoffRightAmount1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_CashFlowHedgeGainLosstobeReclassifiedwithinTwelveMonthsNetofTax" abstract="false" name="CashFlowHedgeGainLosstobeReclassifiedwithinTwelveMonthsNetofTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_CashAndSecuritiesHeldToCollateralizeNetDerivativeAssets" abstract="false" name="CashAndSecuritiesHeldToCollateralizeNetDerivativeAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_CashAndSecuritiesPledgedToCollateralizeNetDerivativeLiabilities" abstract="false" name="CashAndSecuritiesPledgedToCollateralizeNetDerivativeLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_NoninterestIncomeMember" abstract="true" name="NoninterestIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_InterestSettlementsonDerivatives" abstract="false" name="InterestSettlementsonDerivatives" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="pnc_OffsettingAssetsandLiabilitiesTable" abstract="true" name="OffsettingAssetsandLiabilitiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="pnc_OverTheCounterClearedMember" abstract="true" name="OverTheCounterClearedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_OffsettingAssetsandLiabilitiesLineItems" abstract="true" name="OffsettingAssetsandLiabilitiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="pnc_NumberOfDistinctOperatingUnits" abstract="false" name="NumberOfDistinctOperatingUnits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="pnc_RetailBankingSegmentMember" abstract="true" name="RetailBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CorporateInstitutionalBankingSegmentMember" abstract="true" name="CorporateInstitutionalBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_AssetManagementGroupSegmentMember" abstract="true" name="AssetManagementGroupSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_OtherReclassificationActivitiesMember" abstract="true" name="OtherReclassificationActivitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_RetailBanking1Member" abstract="true" name="RetailBanking1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CorporateInstitutionalBankingMember" abstract="true" name="CorporateInstitutionalBankingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_AssetManagementGroupMember" abstract="true" name="AssetManagementGroupMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_AssetManagementFeesAndBrokerageFeesMember" abstract="true" name="AssetManagementFeesAndBrokerageFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_AssetManagementFeesMember" abstract="true" name="AssetManagementFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_BrokerageFeesMember" abstract="true" name="BrokerageFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CashAndCashManagementFeesMember" abstract="true" name="CashAndCashManagementFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_TreasuryManagementFeesMember" abstract="true" name="TreasuryManagementFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_DebitCardFeesMember" abstract="true" name="DebitCardFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_NetCreditCardFeesMember" abstract="true" name="NetCreditCardFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_InterchangeFeesMember" abstract="true" name="InterchangeFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CreditCardRewardCostsMember" abstract="true" name="CreditCardRewardCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_MerchantFeesMember" abstract="true" name="MerchantFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CashAndCashManagementFeesOtherMember" abstract="true" name="CashAndCashManagementFeesOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_LendingAndDepositServicesMember" abstract="true" name="LendingAndDepositServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_DepositAccountFeesMember" abstract="true" name="DepositAccountFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_LendingAndDepositServicesOtherMember" abstract="true" name="LendingAndDepositServicesOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CommercialAndResidentialMortgageBankingFeesMember" abstract="true" name="CommercialAndResidentialMortgageBankingFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_CapitalMarketsRelatedMember" abstract="true" name="CapitalMarketsRelatedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="pnc_SeniorFixedToFloatingRateNotesDueMay132027Member" abstract="true" name="SeniorFixedToFloatingRateNotesDueMay132027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
