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  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedServicingAssetAtFairValueAmount" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedServicingAssetAtFairValueAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="pnc_ScheduleofFairValueandCashFlowHedgingInstrumentsStatementsofFinancialPerformanceandFinancialPositionLocationTableTextBlock" abstract="false" name="ScheduleofFairValueandCashFlowHedgingInstrumentsStatementsofFinancialPerformanceandFinancialPositionLocationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="pnc_DebtSecuritiesWithNoAllowanceForCreditLossAvailableforSaleUnrealizedLossPosition" abstract="false" name="DebtSecuritiesWithNoAllowanceForCreditLossAvailableforSaleUnrealizedLossPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="pnc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableHeldForSaleNotPartOfDisposalGroupAfterValuationAllowance" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableHeldForSaleNotPartOfDisposalGroupAfterValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="pnc_AmortizationTaxCreditsAndOtherTaxBenefitsRecognizedLowIncomeHousingTaxCreditInvestments" abstract="false" name="AmortizationTaxCreditsAndOtherTaxBenefitsRecognizedLowIncomeHousingTaxCreditInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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</xs:schema>
