Solutions for U.S. Financial Institutions

Fixed Income

• PNC mortgage production
• Taxable & tax-exempt securities
• CRA- eligible securities/loans
• Liquidity products
• Asset Backed Securities
• Corporates
• BlackRock Portfolio Analysis

Commercial Whole Loan Sales

• PNC has extensive experience selling commercial whole loans having marketed and sold over $5 Billion of unpaid principal balance as part of over 1,600 transactions
• Brokered Whole Loan Sales of Performing or Non-Performing Loans
• Sales can be arranged in pooled or single-loan transactions
• No minimum or maximum transaction size
• All geographies and collateral types
• Blind bid, auction formatted process to maximize execution

Residential Whole Loan Trading

• Trading of new origination and seasoned residential whole loans. Includes purchase/sales of performing, re-performing, non-performing, FHA-EBO (Early-Buy-Out), and CRA
• Brokerage services of residential whole loan portfolio
• Competitive bids and sourcing of deals via PNC’s extensive client network
• Securitization services with the agencies (FNMA/FHLMC) with the ability to act as principal or agent

Secondary Loan Trading

• Access to the Corporate & Institutional loan market as a strategy to grow your balance sheet
• Syndicated credits as an alternative investment to be used to grow assets or counterbalance concentrations within an existing book
• Secondary market trading of fully funded, publicly rated, liquid term loans
• Trade confirmations and assignment agreements
• Assistance with settlement from dedicated and experienced closers

CRA Eligible Loans

• Cost effective means to acquire CRA lending/investment credit to meet CRA goals
• Using PNC’s mortgage origination, we provide clients with access to CRA eligible assets
• Loans specifically selected by the client, with no minimum transaction size
• PNC provides the full loan file for due diligence review
• Loans are sold servicing retained

Agency CMBS

• PNCCM is a leader in the small balance multifamily loan securitization market (Q Series)
• In-house banking and structuring professionals with comprehensive understanding of current market trends provide creative solutions to clients
• 30 taxable fixed-income sales professionals focused on top tier and middle market clients facilitate primary market distribution
• Secondary market trading desk is an active counterpart to investors and other broker-dealers

Balance Sheet Management

• Balance sheet interest rate risk management
• Multifamily securitizations
• Performing & non-performing loan sales
• Capital raising

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Treasury Management

• Commercial cards
• Lockbox processing
• Electronic bill presentment & payment
• Print/mail services for invoices & account statements

Interest Rate Risk Management

• Loan level hedging program

Equipment Finance

• Loan & leasing products for existing or future capital
  expenditures or assets

Customized Offerings

• Dedicated sales support & training
• Integrated product platform
• Customer service team for issue resolution
• Branding strategy

International Services

• International wire transfers
• Foreign cash letters/collections
• Trade letters of credit
• Foreign currency services

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Treasury Management

• Accelerate collections & funds availability
• Cash logistics services
• Vendor payment via AP card network to extend payment terms
• Invoice receipt & automation
• Check, ACH, wire & AP card disbursement

Institutional Asset Management

• Retirement and benefit plans
• Operating Assets
• Endowment and foundation solutions

Equipment Finance

• Loan & leasing products for existing or future capital
  expenditures or assets