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Performance Measurements - ROE

Return On Equity

TOTAL KEYCORP

18.0%

23.7%

19.3%

26.0%

Return On Economic Equity

Return On Regulatory Equity

March 1999 Year to Date

Total

ex-Goodwill

Total

ex-Goodwill

Key Consumer Finance

12.2%

17.8%

13.1%

19.5%

Educational Resources

31.6%

34.2%

30.2%

32.5%

Credit Card

17.4%

17.4%

27.9%

27.9%

Key Finance

13.4%

27.9%

14.9%

34.5%

Champion Mortgage Company

14.6%

48.8%

15.7%

61.5%

Home Equity

13.9%

13.9%

17.3%

17.3%

Subprime Home Equity

-30.9%

-30.9%

-39.8%

-39.8%

Key Funding

-38.6%

-38.6%

-34.5%

-34.5%

RV/Marine

9.6%

9.6%

11.5%

11.5%

Auto Finance

5.0%

9.3%

5.0%

9.5%

Indirect Auto Lease

22.8%

22.8%

23.0%

23.0%

Indirect Auto Prime

6.4%

6.4%

6.3%

6.3%

Indirect Auto Specialty

-7.2%

-18.7%

-7.7%

-25.9%

KCF Other

-50.6%

-50.6%

NA

NA