Net Income Adjusted for Capital Charge (NIACC)

TOTAL KEYCORP

357,025

572,898

411,580

629,104

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

Key Consumer Finance

-4,427

64,665

9,159

78,161

Educational Resources

33,732

35,656

32,654

34,574

KCF Other

14,312

14,312

11,549

11,549

Credit Card

6,386

6,386

12,439

12,439

Key Finance

3,549

31,557

8,487

36,459

Champion Mortgage Company

5,819

33,827

8,273

36,244

Home Equity

1,486

1,486

4,034

4,034

Subprime Home Equity

-496

-496

-464

-464

Key Funding

-3,243

-3,243

-3,338

-3,338

RV/Marine

-6,949

-6,949

-2,036

-2,036

Auto Finance

-55,457

-16,296

-53,935

-14,824

Indirect Auto Lease

17,665

17,665

17,924

17,924

Indirect Auto Prime

-17,022

-17,022

-17,695

-17,695

Indirect Auto Specialty

-56,100

-16,939

-54,164

-15,053