At December 31, 2013, the fair value of the qualified pension plan assets was greater than both the accumulated benefit obligation and the projected benefit obligation.
The nonqualified pension plan is unfunded.
Contributions from PNC and, in the case of the postretirement benefit plans, participant contributions cover all benefits paid under the nonqualified pension plan and postretirement benefit plans.
The postretirement plan provides benefits to certain retirees that are at least actuarially equivalent to those provided by Medicare Part D and accordingly, we receive a federal subsidy as shown in Table 112.
In March 2010, the Patient Protection and Affordable Care Act (PPACA) was enacted.
Key aspects of the PPACA which are reflected in our financials include the excise tax on highcost health plans beginning in 2018 and fees for the Transitional Reinsurance Program and the Patient-Centered Outcomes Fund.
These provisions did not have a significant effect on our postretirement medical liability or costs.
The Early Retiree Reinsurance Program (ERRP) was established by the PPACA.
Congress appropriated funding of $5.0 billion for this temporary ERRP to provide financial assistance to employers, unions, and state and local governments to help them maintain coverage for early retirees age 55 and older who are not yet eligible for Medicare, including their spouses, surviving spouses, and dependents.
In 2013, PNC did not receive reimbursement related to the 2012 plan year.
PNC received reimbursement of $.9 million related to the 2011 plan year in 2012.
PNC PENSION PLAN ASSETS Assets related to our qualified pension plan (the Plan) are held in trust (the Trust).
Effective July 1, 2011, the trustee is The Bank of New York Mellon.
The Trust is exempt from tax pursuant to section 501(a) of the Internal Revenue Code (the Code).
The Plan is qualified under section 401(a) of the Code.
Plan assets consist primarily of listed domestic and international equity securities, U. S.  government and agency securities, corporate debt securities, and real estate investments.
The Plan held no PNC common stock as of December 31, 2013 and December 31, 2012.
The PNC Financial Services Group, Inc.
Administrative Committee (the Administrative Committee) adopted the Pension Plan Investment Policy Statement, including target allocations and allowable ranges, on August 13, 2008.
On February 25, 2010, the Administrative Committee amended the investment policy to include a dynamic asset allocation approach and also updated target allocation ranges for certain asset categories.
On May 23, 2013, the Administrative Committee amended the investment policy to update the target allocation ranges for certain asset categories.
The long-term investment strategy for pension plan assets is to: ?
Meet present and future benefit obligations to all participants and beneficiaries, ?
Cover reasonable expenses incurred to provide such benefits, including expenses incurred in the administration of the Trust and the Plan, ?
Provide sufficient liquidity to meet benefit and expense payment requirements on a timely basis, and ?
Provide a total return that, over the long term, maximizes the ratio of trust assets to liabilities by maximizing investment return, at an appropriate level of risk.
Under the dynamic asset allocation strategy, scenarios are outlined in which the Administrative Committee has the ability to make short to intermediate term asset allocation shifts based on factors such as the Plan’s funded status, the Administrative Committee’s view of return on equities relative to long term expectations, the Administrative Committee’s view on the direction of interest rates and credit spreads, and other relevant financial or economic factors which would be expected to impact the ability of the Trust to meet its obligation to participants and beneficiaries.
Accordingly, the allowable asset allocation ranges have been updated to incorporate the flexibility required by the dynamic allocation policy.
The Plan’s specific investment objective is to meet or exceed the investment policy benchmark over the long term.
The investment policy benchmark compares actual performance to a weighted market index, and measures the contribution of active investment management and policy implementation.
This investment objective is expected to be achieved over the long term (one or more market cycles) and is measured over rolling five-year periods.
Total return calculations are timeweighted and are net of investment-related fees and expenses.
The asset strategy allocations for the Trust at the end of 2013 and 2012, and the target allocation range at the end of 2013, by asset category, are as follows.
Table 113: Asset Strategy Allocations
## Table 0 ##
OtherIn addition to the proceedings or other matters described above, PNC and persons to whom we may have indemnification obligations, in the normal course of business, are subject to various other pending and threatened legal proceedings in which claims for monetary damages and other relief are asserted.
We do not anticipate, at the present time, that the ultimate aggregate liability, if any, arising out of such other legal proceedings will have a material adverse effect on our financial position.
However, we cannot now determine whether or not any claims asserted against us or others to whom we may have indemnification obligations, whether in the proceedings or other matters described above or otherwise, will have a material adverse effect on our results of operations in any future reporting period, which will depend on, among other things, the amount of the loss resulting from the claim and the amount of income otherwise reported for the reporting period.
NOTE 20 COMMITMENTSIn the normal course of business, we have various commitments outstanding, certain of which are not included on our Consolidated Balance Sheet.
The following table presents our outstanding commitments to extend credit along with significant other commitments as of December 31, 2017 and December 31, 2016, respectively.
Table 98: Commitments to Extend Credit and Other Commitments
## Table 1 ##
(a) Net outstanding standby letters of credit include $3.5 billion and $3.9 billion at December 31, 2017 and December 31, 2016, respectively, which support remarketing programs.
(b) Represents aggregate maximum exposure up to the specified limits of the reinsurance contracts provided by our wholly-owned captive insurance subsidiary.
These amounts reflect estimates based on availability of financial information from insurance carriers.
As of December 31, 2017, the aggregate maximum exposure amount comprised $1.5 billion for accidental death & dismemberment contracts and $.2 billion for credit life, accident & health contracts.
Comparable amounts at December 31, 2016 were $1.5 billion and $.3 billion, respectively.
(c) We enter into standby bond purchase agreements to support municipal bond obligations.
(d) Includes $.5 billion related to investments in qualified affordable housing projects at both December 31, 2017 and December 31, 2016.
Commitments to Extend CreditCommitments to extend credit, or net unfunded loan commitments, represent arrangements to lend funds or provide liquidity subject to specified contractual conditions.
These commitments generally have fixed expiration dates, may require payment of a fee, and contain termination clauses in the event the customer’s credit quality deteriorates.
Net Outstanding Standby Letters of CreditWe issue standby letters of credit and share in the risk of standby letters of credit issued by other financial institutions, in each case to support obligations of our customers to third parties, such as insurance requirements and the facilitation of transactions involving capital markets product execution.
Approximately 91% and 94% of our net outstanding standby letters of credit were rated as Pass as of December 31, 2017 and December 31, 2016, respectively, with the remainder rated as Below Pass.
An internal credit rating of Pass indicates the expected risk of loss is currently low, while a rating of Below Pass indicates a higher degree of risk.
If the customer fails to meet its financial or performance obligation to the third party under the terms of the contract or there is a need to support a remarketing program, then upon a draw by a beneficiary, subject to the terms of the letter of credit, we would be obligated to make payment to them.
The standby letters of credit outstanding on December 31, 2017 had terms ranging from less than one year to seven years.
As of December 31, 2017, assets of $1.3 billion secured certain specifically identified standby letters of credit.
In addition, a portion of the remaining standby letters of credit issued on behalf of specific customers is also secured by collateral or guarantees that secure the customers’ other obligations to us.
The carrying amount of the liability for our obligations related to standby letters of credit and participations in standby letters of credit was $.2 billion at December 31, 2017 and is included in Other liabilities on our Consolidated Balance Sheet.
attributable to the higher interest rate environment and customer growth.
Average interest-bearing deposits represented 76% of average interest-bearing liabilities in 2017 compared to 77% in 2016.
Further details regarding average loans and deposits are included in the Business Segments Review section of this Item 7.
Noninterest Income Table 2: Noninterest Income
## Table 2 ##
Noninterest income as a percentage of total revenue was 44% for 2017 and 45% for 2016.
Asset management revenue increased reflecting higher earnings from our equity investment in BlackRock, including a $254 million flow through impact of the new federal tax legislation on our equity investment.
Additionally, the impact of stronger equity markets contributed to the increase.
Discretionary client assets under management in our Asset Management Group segment increased to $151 billion at December 31, 2017 compared with $137 billion at December 31, 2016, primarily attributable to higher equity markets.
Growth in consumer service fees was primarily due to a $25 million increase in credit card fees, net of rewards, and debit card fees, which reflected continued momentum in customer activity in both transaction trends and customer growth.
In addition, brokerage fees increased $17 million, driven by higher brokerage assets under management.
These increases were partially offset by individually insignificant items.
Corporate services revenue reflected broad based growth, including higher merger and acquisition (M&A) advisory fees of $65 million and an increase in loan syndication and agency fees of $28 million, both of which reflected continued momentum in the M&A market.
Higher treasury management revenue also contributed to the increase in corporate services revenue.
Lower residential mortgage revenue reflected a decline of $122 million in residential mortgage servicing rights valuation, net of economic hedge, which included a $71 million negative adjustment for mortgage servicing rights fair value assumption updates in the fourth quarter of 2017.
In addition, the decrease reflected lower loan sales revenue of $85 million, which was driven by lower origination volume and compressed pricing margins.
Higher service charges on deposits reflected net growth of $30 million related to fee income on personal deposit accounts, reflecting higher levels of customer activity.
The increase in other noninterest income included higher revenue from private equity investments of $172 million and $119 million for the appreciation of BlackRock common stock used to fund PNC's fourth quarter 2017 contribution to the PNC Foundation.
The increase in revenue from private equity investments reflected positive impacts from valuation adjustments on equity investments subject to the Volcker Rule provision of Dodd-Frank.
Additionally, operating lease income increased related to the commercial and vendor finance business acquired in the second quarter of 2017.
These increases were largely offset by the impact of negative derivative fair value adjustments related to Visa Class B common shares of $280 million in 2017, including $248 million in the fourth quarter primarily related to the extension of anticipated timing of litigation resolution.
Derivative fair value adjustments relate to swap agreements with purchasers of Visa shares in connection with all prior sales to date.
In 2016, gains on sales of Visa Class B common shares, net of derivative fair value adjustments, were $32 million.
Other noninterest income typically fluctuates from period to period depending on the nature and magnitude of transactions completed.
Further details regarding our customer-related trading activities are included in the Market Risk Management – Customer-Related Trading Risk portion of the Risk Management section of this Item 7.
Further details regarding private and other equity investments are included in the Market Risk Management – Equity and Other Investment Risk section, and further details regarding gains or losses related to our equity investment in BlackRock are included in the Business Segments Review section of this Item 7.
Effective for the first quarter of 2018, and as a result of the commercial and vendor finance business we acquired in the second quarter of 2017, we intend to classify operating lease income as corporate services noninterest income on the Consolidated Income Statement.
In 2017 and prior years, this revenue was classified as other noninterest income, and these periods will be reclassified to reflect this change.
Provision for Credit Losses Overall credit quality remained stable in 2017.
The provision for credit losses was $441 million compared to $433 million in 2016.
The provision for 2017 reflected loan growth, including an initial provision for the loan and lease portfolio obtained through the business acquired in the second quarter of 2017, mostly offset by lower provisions in the oil, gas and coal sectors.

<table><tr><td></td><td>Target Allocation Range</td><td colspan="2">Percentage of Plan Assets by Strategy at December 31</td></tr><tr><td> PNC Pension Plan</td><td></td><td>2013</td><td>2012</td></tr><tr><td>Asset Category</td><td></td><td></td><td></td></tr><tr><td>Domestic Equity</td><td>20 - 40%</td><td>33%</td><td>34%</td></tr><tr><td>International Equity</td><td>10 - 25%</td><td>23%</td><td>22%</td></tr><tr><td>Private Equity</td><td>0 - 15%</td><td>4%</td><td>3%</td></tr><tr><td>Total Equity</td><td>40 - 70%</td><td>60%</td><td>59%</td></tr><tr><td>Domestic Fixed Income</td><td>10 - 40%</td><td>21%</td><td>21%</td></tr><tr><td>High Yield Fixed Income</td><td>0 - 25%</td><td>13%</td><td>14%</td></tr><tr><td>Total Fixed Income</td><td>10 - 65%</td><td>34%</td><td>35%</td></tr><tr><td>Real estate</td><td>0 - 15%</td><td>5%</td><td>5%</td></tr><tr><td>Other</td><td>0 - 5%</td><td>1%</td><td>1%</td></tr><tr><td>Total</td><td></td><td>100%</td><td>100%</td></tr></table>
<table><tr><td>In millions</td><td>December 31 2017</td><td>December 31 2016</td></tr><tr><td>Commitments to extend credit</td><td></td><td></td></tr><tr><td>Total commercial lending</td><td>$112,125</td><td>$108,256</td></tr><tr><td>Home equity lines of credit</td><td>17,852</td><td>17,438</td></tr><tr><td>Credit card</td><td>24,911</td><td>22,095</td></tr><tr><td>Other</td><td>4,753</td><td>4,192</td></tr><tr><td>Total commitments to extend credit</td><td>159,641</td><td>151,981</td></tr><tr><td>Net outstanding standby letters ofcredit (a)</td><td>8,651</td><td>8,324</td></tr><tr><td>Reinsurance agreements (b)</td><td>1,654</td><td>1,835</td></tr><tr><td>Standby bond purchase agreements (c)</td><td>843</td><td>790</td></tr><tr><td>Other commitments (d)</td><td>1,732</td><td>967</td></tr><tr><td>Total commitments to extendcredit and other commitments</td><td>$172,521</td><td>$163,897</td></tr></table>
<table><tr><td>Year ended December 31</td><td></td><td></td><td colspan="2">Change</td></tr><tr><td>Dollars in millions</td><td>2017</td><td>2016</td><td>$</td><td>%</td></tr><tr><td>Noninterest income</td><td></td><td></td><td></td><td></td></tr><tr><td>Asset management</td><td>$1,942</td><td>$1,521</td><td>$421</td><td>28%</td></tr><tr><td>Consumer services</td><td>1,415</td><td>1,388</td><td>27</td><td>2%</td></tr><tr><td>Corporate services</td><td>1,621</td><td>1,504</td><td>117</td><td>8%</td></tr><tr><td>Residential mortgage</td><td>350</td><td>567</td><td>-217</td><td>-38%</td></tr><tr><td>Service charges on deposits</td><td>695</td><td>667</td><td>28</td><td>4%</td></tr><tr><td>Other</td><td>1,198</td><td>1,124</td><td>74</td><td>7%</td></tr><tr><td>Total noninterest income</td><td>$7,221</td><td>$6,771</td><td>$450</td><td>7%</td></tr></table>

Question: What is the average amount of Home equity lines of credit of December 31 2016, and Consumer services of Change 2016 ?
Answer: 9413