Net Income Adjusted for Capital Charge (NIACC)

Net Income Adjusted for Economic Capital Charge

Net   Income Adjusted for Regulatory Capital Charge

March 1999 Year to Date

Total

ex-Goodwill

Total

ex-Goodwill

TOTAL KEYCORP

357,025

572,898

411,580

629,104

Key Community Bank

226,092

295,784

257,549

327,082

Key Support and Admin.

109,847

109,847

71,575

71,572

Key Corporate Capital

107,836

132,341

102,411

126,875

Key Consumer Finance

-4,427

64,665

9,159

78,161

Key Capital Partners

-82,324

-14,061

-29,115

41,092