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 Capital Partners

-82,324

-14,061

-29,115

41,092

Asset Management

49,893

57,606

72,944

80,626

Franchise Trust

31,023

31,023

33,218

33,218

Wealth Management

24,944

24,944

24,948

24,948

Gradison Mutual Funds

9,185

9,185

9,239

9,239

PB&I

9,099

9,118

14,030

14,048

Gradison Asset Management

2,522

2,522

2,604

2,604

IAS

2,190

2,190

8,037

8,037

Society Asset Management

410

410

406

406

McDonald Trust

168

168

167

167

Victory Funds

-100

-100

-57

-57

Spears, Benzak

-2,939

4,755

-2,812

4,852

Insurance

-3,874

-3,874

-4,118

-4,118

Key Equity Capital

-8,494

-8,494

-61

-61

McDonald Investments(PLOB)

-15,919

-11,410

15,917

20,419

Fixed Income Capital Markets

33,608

33,608

33,822

33,822

Equity Capital Markets

26,924

26,924

27,264

27,264

McDonald Branches

10,192

10,192

10,316

10,316

Public Sector

9,076

9,076

7,645

7,645

Investment Banking

-679

-322

-1,220

-865

Bank Capital Markets

-9,696

-9,696

-10,764

-10,764

Retail Brokerage - KII

-10,532

-10,532

-9,486

-9,486

McDonald Investments(SLOB)

-74,925

-70,773

-41,771

-37,624

KCP ADMIN

-116,298

-58,833

-117,975

-58,530