What is the main purpose of this 8-K filing?

The main purpose of this 8-K filing is to report on PNC Financial Services Group, Inc.'s earnings and business performance for the quarter ended September 30, 2003, by incorporating a related press release.

What specific information from the press release is NOT included in this 8-K filing?

The filing explicitly states that the fifth full paragraph of the press release, footnote (b) to the 'Selected Ratios' table, and the entire 'Reconciliation of Quarterly GAAP Earnings to Normalized Earnings' table (including its footnotes) are excluded from the incorporation by reference.

Why might certain parts of the press release have been excluded?

Companies may exclude certain information from incorporation by reference for various reasons, such as if the information is considered less material for this specific filing type, is redundant, or is covered in more detail elsewhere. Investors should consult the full press release for complete context.

Where can investors find the detailed earnings information for Q3 2003?

Investors can find the detailed earnings information by referring to the press release (Exhibit 99.1) which is incorporated by reference in this 8-K filing, subject to the noted exclusions.

PNC 8-K SEC Disclosure — Oct 16, 2003

Summary

PNC Financial Services Group, Inc. (PNC) filed an 8-K report on October 16, 2003, primarily to disclose information regarding its earnings and business performance for the quarter ended September 30, 2003. The filing incorporates a press release containing these details, providing investors with an update on the company's financial results and operational status for the period. Investors should note that certain specific sections of the press release, including a particular paragraph, a footnote related to selected ratios, and the entire reconciliation table for normalized earnings, were excluded from the incorporation by reference. This suggests these excluded items may contain information that the company deemed less critical for public disclosure via this specific filing or that are addressed elsewhere. The primary purpose of this 8-K is to communicate the company's quarterly performance as reported in the press release. While the full details are not all included, the core earnings information is made available. Investors seeking a comprehensive understanding of PNC's financial health and strategic direction for Q3 2003 would need to consult the provided press release and potentially other filings for any nuanced details that might have been omitted from this specific 8-K submission.

Key Highlights

1PNC Financial Services Group, Inc. filed an 8-K on October 16, 2003, reporting on Q3 2003 earnings and business.
2The filing incorporates a press release (Exhibit 99.1) with Q3 2003 earnings and business information.
3Specific portions of the press release were intentionally excluded from the filing's incorporation by reference.
4Excluded sections include a specific paragraph, a footnote related to 'Selected Ratios', and the 'Reconciliation of Quarterly GAAP Earnings to Normalized Earnings' table.
5The core purpose of the 8-K is to provide investors with a timely update on the company's quarterly financial performance.
6Investors should refer to the referenced press release for the detailed earnings information.

PNC FINANCIAL SERVICES GROUP, INC. 8-K Report (Oct 16, 2003)

Summary

Key Highlights

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