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 Community Bank

226,092

295,784

257,549

327,082

Core Banking

178,517

178,518

169,658

169,659

Retail Core Banking

155,559

155,560

140,025

140,025

Community Development

17,236

17,236

18,552

18,552

Debit Card Services

5,646

5,646

5,674

5,674

Mortgage Portfolio

179

179

5,737

5,737

Other Retail Banking

-81

-81

-77

-77

Small Business

46,876

46,876

69,069

69,069

Commercial Banking

44,046

44,046

59,786

59,786

Upper Middle Market

34,811

34,811

47,394

47,394

Community Middle Market

20,492

20,492

32,064

32,064

Large Corporate

-6,488

-6,488

-14,804

-14,804

Community Other

-42,776

26,914

-40,349

29,184

Mortgage Servicing

-231

-231

1

1

Other Community

-64,523

4,947

-62,845

6,468