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 Support and Admin.

109,847

109,847

71,575

71,572

Key Client Services

7,430

7,430

-4,426

-4,426

Deposit Marketing

124

124

127

127

Key Technology Services

-40,600

-40,600

-40,392

-40,392

Key Electronic Commerce

-12,421

-12,421

-10,055

-10,055

Treasury

-79,198

-79,198

-98,990

-98,990

Treasury Admin

18,717

18,717

5,824

5,824

Treas,Deriv,Trad & Hedging

10,242

10,242

3,882

3,882

Treasury Funding

-6,308

-6,308

-783

-783

Treasury Parent Funding

-6,437

-6,437

-6,528

-6,528

Treasury Investments

-6,904

-6,904

-12,878

-12,878