The PNC Financial Services Group, Inc.
2003 Financial Services Conference
September 8, 2003
Cautionary Statement Regarding
This presentation contains forward-looking statements with respect to PNC’s
outlook or expectations relating to its future business, operations, financial
condition, financial performance, asset quality, and the effects of the pending
acquisition of United National Bancorp. Forward-looking statements are
necessarily subject to numerous assumptions, risks and uncertainties.
The forward-looking statements in this presentation are qualified by the factors
affecting forward-looking statements identified in the Appendix included in
PNC’s written materials distributed at this conference and in the version of
these slides posted on PNC’s website at www.pnc.com as well as those factors
previously disclosed in PNC’s SEC reports (accessible on the SEC’s website at
www.sec.gov and on PNC’s website).
Future events or circumstances may change PNC’s outlook or expectations
and may also affect the nature of the assumptions, risks and uncertainties to
which the forward-looking statements are subject. The forward-looking
statements in this presentation speak only as of the date of this presentation,
and PNC assumes no duty and does not undertake to update them.
PNC will be a premier financial services
marketing company reflecting in our actions
a deep understanding of the needs, values
and aspirations of our customers,
employees, communities and shareholders
PNC will be defined as a company with:
Building an Integrated
Risk Management Foundation
Only risks intended to increase
shareholder value are acceptable
Business decisions are limited by
a set of “boundaries”
Balance cautionary risk taking
with the need to grow
To be one of the more highly-
rated financial services
companies in the U.S.
Disciplined Approach to
Managing Interest Rat