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Supporting Data

Capital Partners
Community Bank
Consumer Bank
Corporate Capital
Support & Admin.

Total KEYCORP MARCH 1999

Performance Comparisons:
Net Income and Capital
NIACC (Net Income Adjusted for Capital Charge)
ROE

RISK CATEGORY
BALANCE ($000's)
FACTOR
CAPITAL
Commercial Lending (Outstandings)


Commercial Loans 16,664,282 8.00% 1,333,143
Commercial Real Estate 10,770,232 7.55% 812,661
Commercial Leases 4,530,318 7.09% 321,349
Leveraged Leases 1,244,331 3.50% 43,601
Other Commercial Lending 428,132 1.37% 5,856




Consumer Lending


Residential Mortgages 4,754,491 4.14% 196,728
Home Equity Lending 4,753,275 5.59% 265,578
Credit Card 1,349,294 9.29% 125,322
Direct Consumer Loans and Lines 2,992,548 6.38% 190,891
Indirect Loans and Lines 6,942,380 3.19% 221,261
Indirect Leases 2,758,871 6.16% 169,836
Other Consumer Lending 153,514 6.16% 9,458




Securities Credit Risk 8,903,888 1.32% 117,623
Equity Investment Risk 14,192 1.20% 170
Securitized Assets 10,957,300 4.75% 520,329
Total Credit Risk 79,273,960
4,333,807




Deposits 30,608,474 0.08% 25,517
Non Interest Expense 3,125,925 4.71% 147,370
Total Operating Risk 33,734,399
172,887




Goodwill 1,422,025 100.00% 1,442,052
Deferred Software Expense 215,848 32.07% 69,220
Core Deposit Intangibles 71,860 0.32% 227
Other Intangibles 69,327

30.00%

20,798
OREO 35,295 35.79% 12,634
Total Intangible Risk 1,814,355
1,524,930




Fixed Assets 874,496 1.79% 15,653
SEC Required Capital 265,560
Fiduciary Assets 114,668,000 0.08% 96,360
Miscellaneous Assets 7,145,102 1.70% 121,749




Capital Allocation

6,530,947




Net Income (YTD)

293,348




Annualized Return on Equity

17.97%

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