Comerica Incorporated Third Quarter 2013 Financial ReviewOctober 16, 2013 Safe Harbor Statement 2 Any statements in this presentation that are not historical facts are forward-looking statements as defined in the Private Securities LitigationReform Act of 1995. Words such as “anticipates,” “believes,” “contemplates,” “feels,” “expects,” “estimates,” “seeks,” “strives,” “plans,” “intends,”“outlook,” “forecast,” “position,” “target,” “mission,” “assume,” “achievable,” “potential,” “strategy,” “goal,” “aspiration,” “opportunity,” “initiative,”“outcome,” “continue,” “remain,” “maintain,” “on course,” “trend,” “objective,” “looks forward” and variations of such words and similar expressions,or future or conditional verbs such as “will,” “would,” “should,” “could,” “might,” “can,” “may” or similar expressions, as they relate to Comerica or itsmanagement, are intended to identify forward-looking statements. These forward-looking statements are predicated on the beliefs andassumptions of Comerica's management based on information known to Comerica's management as of the date of this presentation and do notpurport to speak as of any other date. Forward-looking statements may include descriptions of plans and objectives of Comerica's managementfor future or past operations, products or services, and forecasts of Comerica's revenue, earnings or other measures of economic performance,including statements of profitability, business segments and subsidiaries, estimates of credit trends and global stability. Such statements reflectthe view of Comerica's management as of this date with respect to future events and are subject to risks and uncertainties. Should one or more ofthese risks materialize or should underlying beliefs or assumptions prove incorrect, Comerica's actual results could differ materially from thosediscussed. Factors that could cause or contribute to such differences are changes in general economic, political or industry conditions; changes inmonetary and fiscal policies, including the interest rate policies of the Federal Reserve Board; volatility and disruptions in global capital and creditmarkets; changes in Comerica's credit rating; the interdependence of financial service companies; changes in regulation or oversight; unfavorabledevelopments concerning credit quality; any future acquisitions or divestitures; the effects of more stringent capital or liquidity requirements;declines or other changes in the businesses or industries of Comerica's customers; the implementation of Comerica's strategies and businessmodels; Comerica's ability to utilize technology to efficiently and effectively develop, market and deliver new products and services; operationaldifficulties, failure of technology infrastructure or information security incidents; changes in the financial markets, including fluctuations in interestrates and their impact on deposit pricing; competitive product and pricing pressures among financial institutions within Comerica's markets;changes in customer behavior; management's ability to maintain and expand customer relationships; management's ability to retain key officersand employees; the impact of legal and regulatory proceedings or determinations; the effectiveness of methods of reducing risk exposures; theeffects of terrorist activities and other hostilities; the effects of catastrophic events including, but not limited to, hurricanes, tornadoes, earthquakes,fires, droughts and floods; changes in accounting standards and the critical nature of Comerica's accounting policies. Comerica cautions that theforegoing list of factors is not exclusive. For discussion of factors that may cause actual results to differ from expectations, please refer to ourfilings with the Securities and Exchange Commission. In particular, please refer to “Item 1A. Risk Factors” beginning on page 13 of Comerica'sAnnual Report on Form 10-K for the year ended December 31, 2012 and "Item 1A. Risk Factors" beginning on page 68 of the Corporation'sQuarterly Report on Form 10-Q for the quarter ended June 30, 2013. Forward-looking statements speak only as of the date they are made.Comerica does not undertake to update forward-looking statements to reflect facts, circumstances, assumptions or events that occur after the datethe forward-looking statements are made. For any forward-looking statements made in this presentation or in any documents, Comerica claimsthe protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.

Financial Summary 3 3Q13 2Q13 3Q12 Diluted income per common share1 $0.78 $0.76 $0.61 Net interest income $412 $414 $427 Loan accretion 8 7 15 Provision for credit losses 8 13 22 Noninterest income 214 208 197 Noninterest expenses 417 416 449 Restructuring expenses -- -- 25 Net income 147 143 117 Total average loans $44,094 $44,893 $43,597 Total average deposits 51,865 51,448 49,845 Tier 1 common capital ratio3 10.74%2 10.43% 10.37% Basel III Tier 1 common capital ratio3,4 10.4% 10.1% 10.0% Average diluted shares (millions) 187 187 191 $ in millions, except per share data ● 1Calculated using net income attributable to common shares ● 2Estimated ● 3See Supplemental Financial Data slides for a reconciliation of non-GAAP financial measures ● 4Estimated ratios based on the standardized approach in the final rule and excluding most elements of accumulated other comprehensive income (AOCI) Third Quarter 2013 Results 4 $ in millions 3Q13 Change From2Q13 3Q12Total average loans 44,094 (799) 497 Commercial loans 27,759 (634) 1,059 Total average deposits 51,865 417 2,020 Noninterest-bearing deposits 22,379 303 910 Net interest income 412 (2) (15) Loan accretion 8 1 (7) Noninterest income 214 6 17 Provision for credit losses 8 (5) (14) Net loan charge-offs 19 2 (24) Noninterest expense 417 (1) (32) Net income 147 4 30 Shares repurchasedunder share repurchase program 1.7MM sharesor $72MM Key Performance Drivers  Net interest income relatively stable from 2Q13  Loan volume QoQ impacted by economic uncertainty and seasonality  Noninterest income up 3% from 2Q13 and up 9% from 3Q12, despite regulatory headwinds  Continued discipline reflected in noninterest expenses EPS up 3% from 2Q13 and 28% from 3Q12

Well Positioned in FootprintWith Relationship-based Approach and Experience 5 19.6 15.0 9.9 20.0 15.5 9.8 20.2 14.4 10.0 20.1 14.7 10.2 20.5 14.6 10.3 Michigan California Texas -3% 13.5 12.9 9.6 13.4 13.3 9.8 13.6 13.5 10.1 13.6 13 .9 10.2 13.3 1 4.0 9.9 Michigan California Texas +8% 4Q1 2 1Q1 3 3Q1 3 3Q1 2 2Q1 3 +4% +4% $ in billions Average Loan Balances Average Deposit Balances +4% -1% 4Q1 2 1Q1 3 3Q1 3 3Q1 2 2Q1 3 4Q1 2 1Q1 3 3Q1 3 3Q1 2 2Q1 3 4Q1 2 1Q1 3 3Q1 3 3Q1 2 2Q1 3 4Q1 2 1Q1 3 3Q1 3 3Q1 2 2Q1 3 4Q1 2 1Q1 3 3Q1 3 3Q1 2 2Q1 3 Subdued Loan DemandContinued Pricing and Structure Discipline 43.6 44.1 44.6 44.9 44.1 45.5 44.2 3.66 3.60 3.54 3.47 3.44 3Q12 4Q12 1Q13 2Q13 3Q13 2Q13 3Q13 Loan Yields 6 Charts: $ in billions ● 3Q13 compared to 2Q13 +1% Total Loans Average Balances Period-end 2.8 3.1 3.4 3.6 3.42.0 2.1 1.7 1.8 1.626.7 27.5 28.1 28.4 27.8 3Q12 4Q12 1Q13 2Q13 3Q13 National Dealer Services Mortgage Banker Commercial Loans • Commitments increased $560MM to $51.8B with increases in nearly all business lines• Line utilization of 45.4%, down from 48.6%• Loan pipeline remained strong with a 10% increase from 3Q12 Average Balances

Third Quarter Loan Trends 7 Charts: $ in billions. Average balances ● 3Q13 compared to 2Q13 ● 1Source: Automotive News ● 2MBA Origination Volumes $ in billions - Source: Mortgage Bankers Association Mortgage Finance Forecast as of 9/23/13 1.9 1.7 1.3 1.5 1.9 2.3 2.3 2.5 2.8 3.1 2.9 3.8 3.6 3.1 3.4 3.8 4.3 4.3 4.6 4.9 5.1 4.9 54 54 50 52 54 58 58 59 60 61 63 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 Floor PlanIndustry: Inventory Days Supply (Period End)Industry: Inventory Days Supply (Avg) National Dealer Services13Q Trend In-Line with Seasonality Mortgage Banker Finance23Q Trend Reflects Falling Refinance Volumes 0.6 0.6 1.0 1.5 1.5 1.5 2.0 2.1 1.7 1.8 1.6 200 300 400 500 600 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13 3Q13 MBA MortgageOrigination Volumes 13.1 13.2 13. 4 13.5 13.214 .1 14.6 14.1 13.8 14.0 3Q12 4Q12 1Q13 2Q13 3Q13 Loans Deposits General Middle Market3Q Deposits Increase, Line Utilization Declines Average loans decreased $799MM, or 2%- $318MM General Middle Market- $223MM National Dealer Services- $210MM Mortgage Banker Finance+$112MM Technology & Life SciencesPeriod-end loans decreased $1.3B, or 3%- $185MM General Middle Market- $354MM National Dealer Services- $875MM Mortgage Banker Finance+$134MM Technology & Life Sciences 58 49.9 51.3 50.7 51.4 51.9 51.2 52.9 0.24 0.22 0.21 0.19 0.18 3Q12 4Q12 1Q13 2Q13 3Q13 2Q13 3Q13 Deposit Rates Average Deposits GrewDeposit Costs Continued to Decline 8 Chart: $ in billions ● 3Q13 compared to 2Q13 ● 1At 9/30/13 +4% Total average deposits increased $417MM, or 1%• Noninterest-bearing deposits increased $303MM, or 1%, primarily due to increases in most segments• Interest-bearing deposits grew $114MM• Deposit rates declined due to maturities of higher yielding CDs Loan to Deposit Ratio1 of 83% Strong Deposit Base Average Balances Period-end

Securities Portfolio Securities PortfolioPrimarily Highly Liquid, Highly Rated Mortgage-Backed Securities 9 Chart: Average $ in billions ● 13Q13 compared to 2Q13 ● 2Estimated as of 9/30/13 ● 3Outlook as of 10/16/13. Prepayments include both scheduled principal amortization and mortgage prepayments 9.4 9.9 9.6 9.4 9.0 9.3 9.1 9.8 10.3 10.0 9.8 9.4 9.6 9.5 2.46 2.29 2.25 2.22 2.41 3Q12 4Q12 1Q13 2Q13 3Q13 2Q13 3Q13 MBS Other MBS Yield Total average MBS portfolio of $9.0B, a decrease of $411MM1 • Duration of 4.2 years2 • Duration extends to 5.0 years under a 200 bps instantaneous rate increase2• Net unrealized pre-tax loss of $24MM• Net unamortized premium of $67MM• Slower prepayment speeds, including a retrospective adjustment to premium amortization, added $4MM or 17 bps to the yield• Expect prepayments of $350MM-$450MM for 4Q133 Average Balances Period-end Relatively Stable Net Interest IncomeDespite Decline in Loan Volumes 10 Chart: $ in millions ● Table: 3Q13 compared to 2Q13 ● 1Outlook as of 10/16/13 Net Interest Income Net interest income and rate NIM: $414MM 2Q13 2.83% + 1MM Excess liquidity -0.05 - 7MM Loan portfolio dynamics:-$6MM Volume down-$5MM Yields lower-$1MM Avg. LIBOR decline+$4MM 1 additional day in 3Q13+$1MM Accretion - 0.03 + 2MM Securities portfolio dynamics:+$4MM Slower prepay speeds -$2MM Lower balances +0.03 + 2MM Lower funding costs:Decline in CD pricingWholesale funding maturities +0.01 $412MM 3Q13 2.79% FY13 Expected Accretion1 of $28MM - $30MM 412 411 405 407 404 15 13 11 7 8 427 424 416 414 412 2.96 2.87 2.88 2.83 2.79 3Q12 4Q12 1Q13 2Q13 3Q13 Accretion NIM

692 541 515 471 459 647 629 617 613 604 3Q12 4Q12 1Q13 2Q13 3Q13 Nonperforming Loans Allowance for Loan Losses 43 37 24 17 19 3Q12 4Q12 1Q13 2Q13 3Q13 Continued Strong Credit Quality 11 1$ in millions ● 2Watch list is generally consistent with regulatory defined Special Mention, Substandard and Doubtful (nonaccrual) loans● 3Quarterly allowance for loan losses as divided by the last twelve months (LTM) of net loan charge-offs Allowance to NPL Coverage1 3,653 3,088 3,110 2,886 2,676 3Q12 4Q12 1Q13 2Q13 3Q13 Net Loan Charge-offs1 335% 370% 414% 507% 623% 3Q12 4Q12 1Q13 2Q13 3Q13 Allowance Coverage Ratio for LTM of Net Loan Charge-offs3 Watch List2 Continues to Trend Down1 Noninterest Income IncreasedDriven by Customer-Driven Fee Growth 12 Total Noninterest Income Chart: $ in millions ● 3Q13 compared to 2Q13 ● 1Customer-driven fee income includes service charges on deposit accounts, fiduciary income, commercial lending fees, letter of credit fees, card fees, foreign exchange income, brokerage fees and customer-driven components of other noninterest income 184 191 185 191 195 13 13 15 17 19 197 204 200 208 214 3Q12 4Q12 1Q13 2Q13 3Q13 Customer-Driven Noncustomer-Driven Customer-driven fee income increased $4MM: + $6MM Commercial Lending Fees - $3MM Fiduciary Income +$2MM Card Fees Noncustomer-driven fee income increased $2MM: +$5MM Warrant Income - Change in timing of accrual for incentive from Third Party Credit Card Processor 1 +9%

Continued Tight Expense Control Noninterest Expense 424 425 449 427 416 416 417 3Q12 4Q12 1Q13 2Q13 3Q13 Restructuring Noninterest expense relatively stable: +$10MM Salaries & Benefits:+ Incentive compensation+ 1 more day in quarter- Lower staff insurance- $6MM in litigation-related expenses- $4MM Write-down of other foreclosed assets Chart: $ in millions ● 3Q13 compared to 2Q13 - 7% 13 Continued Strong Shareholder Payout Driven By Capital Strength 14 Shareholder Payout Ratio 19% 21% 24% 22% 21% 28% 58% 53% 50% 49% 47% 79% 77% 72% 70% FY11 FY12 1Q13 2Q13 3Q13 DividendsShare Repurchases 1Outlook as of 10/16/13 2013 Capital Plan target of up to $288MM share repurchase1 over four quarters (2Q13 through 1Q14)• 2Q13 1.9MM shares purchased ($72MM)• 3Q13 1.7MM shares purchased ($72MM) Average diluted shares outstanding increased 106,000 from 2Q13• Repurchases offset by warrant and employee option dilution from increased average stock price

Management Outlook1 15 4Q13 compared to 3Q13 Average loans Stable• National Dealer rebounds from seasonal effect• Mortgage Banker continues to decline from lower refinance volume• Economic uncertainty continues to impact demand• Continued focus on pricing and structure discipline Net interest income Lower• Decline in purchase accounting accretion• Continued pressure from low rate environment Provision Similar to previous 2013 quarters• Continued strong credit quality Noninterest income Customer-driven income: Relatively stableNoncustomer-driven income: Lower• Continued generation of solid commercial loan fees along with our focus on cross-sell opportunities Noninterest expense Slightly Lower• Continued expense discipline 1Outlook as of 10/16/13 Appendix

Loans by Business and Market 17  Middle Market: Serving companies with revenues generally between $20-$500MM  Corporate Banking: Serving companies (and their U.S. based subsidiaries) with revenues generally over $500MM  Small Business: Serving companies with revenues generally under $20MM Average $ in billions By Line of Business 3Q13 2Q13 3Q12 Middle MarketGeneralEnergyNational Dealer ServicesEntertainmentTech. & Life SciencesEnvironmental Services $13.22.94.90.62.00.8 $13.53.05.10.61.90.8 $13.12.64.30.61.80.7 Total Middle Market $24.4 $24.9 $23.1 Corporate BankingUS BankingInternational 2.71.7 2.71.7 3.01.8 Mortgage Banker Finance 1.6 1.8 2.0 Commercial Real Estate 3.8 3.8 3.9 BUSINESS BANK $34.2 $34.9 $33.8 Small Business 3.6 3.6 3.5 Retail Banking 1.7 1.7 1.8 RETAIL BANK $5.3 $5.3 $5.3 Private Banking 4.6 4.7 4.5 WEALTH MANAGEMENT $4.6 $4.7 $4.5 TOTAL $44.1 $44.9 $43.6 By Market 3Q13 2Q13 3Q12 Michigan $13.3 $13.6 $13.5 California 14.0 13.9 12.9 Texas 9.9 10.2 9.6 Other Markets 6.9 7.2 7.6 TOTAL $44.1 $44.9 $43.6 Deposits by Business and Market 18  Middle Market: Serving companies with revenues generally between $20-$500MM  Corporate Banking: Serving companies (and their U.S. based subsidiaries) with revenues generally over $500MM  Small Business: Serving companies with revenues generally under $20MM Average $ in billions By Line of Business 3Q13 2Q13 3Q12 Middle MarketGeneralEnergyNational Dealer ServicesEntertainmentTech. & Life SciencesEnvironmental Services $14.00.50.20.15.10.2 $13.80.50.20.15.00.2 $14.10.50.20.15.20.1 Total Middle Market $20.1 $19.8 $20.2 Corporate BankingUS BankingInternational 2.41.8 2.61.6 1.91.4 Mortgage Banker Finance 0.6 0.7 0.5 Commercial Real Estate 1.4 1.3 1.1 BUSINESS BANK $26.3 $26.0 $25.1 Small Business 2.7 2.7 2.6 Retail Banking 18.6 18.5 18.1 RETAIL BANK $21.3 $21.2 $20.7 Private Banking 3.8 3.7 3.7 WEALTH MANAGEMENT $3.8 $3.7 $3.7 Finance/ Other 0.5 0.5 0.4 TOTAL $51.9 $51.4 $49.9 By Market 3Q13 2Q13 3Q12 Michigan $20.5 $20.1 $19.6 California 14.6 14.7 15.0 Texas 10.3 10.2 9.9 Other Markets 6.0 5.9 5.0 Finance/ Other 0.5 0.5 0.4 TOTAL $51.9 $51.4 $49.9

19 General Middle Market At 9/30/13 ● Charts: $ in billions ● 13Q13 average balance 8.9 8.9 9.2 9.6 9.8 10 .6 10.9 11. 4 11.2 11.2 12 .1 12.7 13 .5 13.5 14. 1 14.6 14.1 13.8 14.0 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 Average Loans Average Deposits 16.5 15.9 15.0 14.2 13.6 13.4 13.0 13.0 13.0 13.2 13.1 13.0 13.0 13.1 13.1 13.2 13. 4 13.5 13.2 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3  Represents largest segment at 30% of total average loans  Commitments up slightly from 2Q13  Pipeline is strong  Average tenure of a relationship manager is 9 years California$4.0B 30% Texas$2.3B 17% Michigan$6.6B 51% Other Markets$0.3B 2% Average Loans by Market1 Mortgage Banker Finance  40+ years’ experience with reputation for consistent, reliable approach  Provide short-term warehouse financing: bridge from origination of residential mortgage until sale into end market  Extensive backroom provides collateral monitoring and customer service  Focus on full banking relationships Average Deposits 198 2 80 319 254 360 481 52 3 551 6 37 513 372 399 4 41 454 49 7 62 5 645 665 643 1Q09 3Q09 1Q10 3Q10 1Q11 3Q11 1Q12 3Q12 1Q13 3Q13 563 6 57 504 56 4 425 707 943 1 ,101 566 61 4 923 1,53 5 1,48 3 1,50 7 1,99 6 2,09 4 1,73 7 1,81 5 1,60 5 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 Average Loans Charts: $ in millions 20

National Dealer Services Line of Business 21 Toyota/Lexus18% Honda/Acura 15% Ford 9% GM 10% Chrysler 8% Mercedes 3%Nissan/ Infiniti 8% Other European 9% Other Asian 10% Other210%  65+ years of Floor Plan lending, with over 20 years on a national basis  Top tier strategy  Majority are “Mega Dealer” (five or more dealerships in group)  Excellent credit quality  Robust monitoring of company inventory and performance Geographic DispersionCalifornia 61% Texas 8%Michigan 18% Other 12% 3.5 3.5 3.5 4.3 4.9 5.1 4.9 4.92009 2010 2011 2012 1Q13 2Q13 3Q13 3Q13 Loan Balances ($ in Billions) Average Period End 1Franchise distribution based on 9/30/13 period-end (PE) outstandings ● 2Other includes obligations where a primary franchise is indeterminable (rental car and leasing companies, heavy truck, recreational vehicles, and non-floor plan loans). Franchise Distribution1 Natural Gas Oil Mixed Midstream13% Service15% Energy 22 Average Loans Average Deposits  30+ years’ experience through the cycles  Focus on middle market companies  Excellent credit quality  Deep relationships with significant ancillary noncredit products Exploration & Production 72% Charts: $ in millions ● 1Based on 3Q13 period-end loans outstanding 1,81 1 1,65 6 1,46 9 1,32 7 1,29 6 1,14 9 1,19 6 1,26 9 1,42 3 1,45 6 1,63 5 1,94 7 2,30 5 2,45 2 2,64 1 2,85 1 3,00 2 2,95 1 2,89 5 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 67 71 84 107 152 233 430 444 50 1 493 492 865 686 567 533 512 411 48 8 529 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 Diverse Customer Base1

Technology and Life Sciences  20+ year history  Products and services tailored to meet the needs of emerging technology and life science companies throughout their lifecycle  Strong relationships with top-tier investors  National business headquartered in Palo Alto, CA, operating from 13 offices in the U.S. and Toronto  Top notch relationship managers with extensive industry expertise Average Loans Average Deposits 1,71 6 1,52 1 1,37 1 1,28 0 1,09 8 1,14 7 1,12 0 1,16 2 1,19 3 1,21 7 1,34 6 1,51 7 1,64 3 1,65 9 1,83 1 1,88 6 2,00 8 1,91 3 2,02 4 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 2,64 9 2,72 7 2,85 6 3,19 8 3,26 9 3,42 4 3,34 5 3,49 8 3,73 0 4,11 6 4,23 1 4,44 0 4,70 3 5,06 5 5,20 8 5,16 6 5,02 6 4,99 6 5,05 1 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 At 9/30/13 ● Charts: $ in millions 23 24 6,84 3 6,65 2 6,36 5 6,04 5 5,74 4 5,37 4 5,09 6 4,75 4 4,42 8 4,03 4 4,43 6 4,57 7 4,36 5 4,30 5 3,92 4 3,72 7 3,69 3 3,79 1 3,75 2 1Q0 9 2Q0 9 3Q0 9 4Q0 9 1Q1 0 2Q1 0 3Q1 0 4Q1 0 1Q1 1 2Q1 1 3Q1 1 4Q1 1 1Q1 2 2Q1 2 3Q1 2 4Q1 2 1Q1 3 2Q1 3 3Q1 3 Commercial MortgagesReal Estate ConstructionCommercial & Other  160+ years experience with focus on well-established developers, primarily in our footprint  Provides construction and mini-perm mortgage financing  Real Estate Construction average loans up for the past 4 quarters 4,248 4,345 4,655 4,703 4,817 3Q12 4Q12 1Q13 2Q13 3Q13 +13% At 9/30/13 ● Charts: $ in millions ● 1Includes CRE line of business loans not secured by real estate ● 2Based on period-end commitments CRE Line of BusinessAverage Loans CRE Commitments2 Commercial Real Estate Line of Business 1

Shared National Credit Relationships 25  Approximately 865 borrowers  Strategy: Pursue full relationships with ancillary business  Comerica is agent for approximately 18%  Adhere to same credit underwriting standards as rest of loan book  Credit quality mirrors total portfolio Commercial Real Estate$0.5B 6% Corporate $2.5B 27% General$2.1B 23%National Dealer $0.4B 4% Energy$2.6B 28% Entertainment$0.3B 3% Tech. & Life Sciences$0.3B 3% Environmental Services $0.3B 4% Mortgage Banker$0.2B 2% September 30, 2013: $9.2B Period-end outstandings as of 9/30/13 ● Shared National Credit (SNC): Facilities greater than $20 million shared by three or more federally supervised financial institutions which are reviewed by regulatory authorities at the agent bank level. = Total Middle Market (65%) Charts: $ in millions ● 3Q13 compared to 2Q13 Nonperforming Assets of $478MM, a $22MM decrease, included:• Nonaccrual loans decreased $12MM • Foreclosed Property decreased to $19MM Troubled Debt Restructurings (TDRs) of $205MM, included:• $60MM Performing Restructured• $22MM Reduced Rate • $123MM Nonaccrual TDR September 30, 2013Nonaccrual Loans $437MMBy Business Middle Market$111MM Corporate $2MM Commercial Real Estate$100MM Private Banking$44MM Small Business$85MM Other$95MM 26 Nonperforming Assets Nonperforming Assets 755 595 555 500 4781.71 1.29 1.23 1.10 1.08 3Q12 4Q12 1Q13 2Q13 3Q13 Nonperforming Assets as aPercentage of Total Loans + ORE

Efficiency Ratio and ROA Goals 27 Goal as of 10/16/13 Efficiency Ratio Return on Average Assets (ROA) 59% 66% 69% 67% 72% 69% 67% 2007 2008 2009 2010 2011 2012 YTD2013 20 year average: 59% 1.17% 0.33% 0.03% 0.50% 0.69% 0.83% 0.89% 2007 2008 2009 2010 2011 2012 YTD2013 20 year average: 1.18% Long-TermGoal: Above 1.30% Long-TermGoal: Below 60% 28 2012 Long-Term Goal1 Efficiency Ratio:69% Efficiency Ratio:<60% Expense Growth of 0 - 2% Fee Income Growth of 2 - 4% Loan Growth of 3 - 5% • Increase cross-sell penetration • Collaboration between businesses Focused growth:• Target markets • Allocation of resources to faster growing businesses • Relationship driven • Normalized rates not necessary to reach long-term goal • Continued focus on operating leverage 1Goal as of 10/16/13 ≈1% ≈2% Normal (≈3.5%) Fed Funds Factors Expected to Drive Long-Term Efficiency Ratio Goal

Senior Unsecured/Long-Term Issuer Rating S&P Moody’s Fitch DBRS BB&T A- A2 A+ A (high) Comerica A- A3 A A BOK Financial A- A2 A A (low) M&T Bank A- A3 A- A (low) KeyCorp BBB+ Baa1 A- BBB (high) SunTrust BBB Baa1 BBB+ A (low) Fifth Third BBB+ Baa1 A A (low) Huntington BBB Baa1 A- BBB First Horizon National Corp BBB- Baa2 BBB- Regions Financial BBB- Ba1 BBB- BBB Zions Bancorporation BBB- Ba1 BBB- BBB (low) Synovus Financial Corp BB- B1 BB Wells Fargo & Company A+ A2 AA- AA U.S. Bancorp A+ A1 AA- AA JP Morgan A A2 A+ A (high) PNC Financial Services Group A- A3 A+ A (high) Bank of America A- Baa2 A A Holding Company Debt Ratings 29 Pee r Ba nks Larg e Ba nks As of 10/10/13 ● Source: SNL Financial ● Debt Ratings are not a recommendation to buy, sell, or hold securities Supplemental Financial DataReconciliation of non-GAAP financial measures with financial measures defined by GAAP ($ in millions) 30 9/30/13 6/30/13 3/31/13 12/31/12 9/30/12 Tier 1 and Tier 1 common capital1,2Risk-weighted assets1,2Tier 1 and Tier 1 common capital ratio2 6,86363,91710.74% 6,80065,22010.43% 6,74865,09910.37% 6,70566,11510.14% 6,68564,48610.37% Total shareholders’ equityLess: GoodwillLess: Other intangible assets $6,96963518 $6,91163520 $6,98863521 $6,94263522 $7,08463525 Tangible common equity $6,316 $6,256 $6,332 $6,285 $6,424Total assetsLess: GoodwillLess: Other intangible assets $64,67063518 $62,94763520 $64,88563521 $65,06963522 $63,00063525Tangible assets $64,017 $62,292 $64,229 $64,412 $62,340Tangible common equity ratio 9.87% 10.04% 9.86% 9.76% 10.30% The Tier 1 common capital ratio removes preferred stock and qualifying trust preferred securities from Tier 1 capital as defined by and calculated in conformity with bank regulations. The tangible common equity ratio removes preferred stock and the effect of intangible assets from capital and the effect of intangible assets from total assets.The Corporation believes these measurements are meaningful measures of capital adequacy used by investors, regulators, management and others to evaluate the adequacy of common equity and to compare against other companies in the industry.1Tier 1 Capital and risk-weighted assets as defined and calculated in accordance with regulation.2September 30, 2013 Tier 1 Capital and Risk-Weighted assets are estimated.

Supplemental Financial DataTier 1 Common Equity under Basel III ($ in millions) 31 The Tier 1 common capital ratio removes preferred stock and qualifying trust preferred securities from Tier 1 capital as defined by and calculated in conformity with bank regulations. The Basel III Tier 1 common capital ratio further adjusts Tier 1 common capital and risk-weighted assets to account for the final rule approved by U.S. banking regulators in July 2013 for the U.S. adoption of the Basel III regulatory capital framework. The final Basel III capital rules are effective January 1, 2015 for banking organizations subject to the standardized approach. The Corporation believes these measurements are meaningful measures of capital adequacy used by investors, regulators, management and others to evaluate the adequacy of common equity and to compare against other companies in the industry.1Tier 1 Capital and risk-weighted assets as defined in accordance with regulation.2September 30, 2013 Tier 1 Capital and Risk-Weighted assets are estimated.3Estimated ratios based on the standardized approach in the final rule for the U.S. adoption of the Basel III regulatory capital framework and excluding most elements of AOCI. Basel III Tier 1 Common Capital Ratio 9/30/13 6/30/13 3/31/13 12/31/12 9/30/12 Tier 1 common capital2Basel III adjustments3 $6,863-- $6,800-- $6,748(1) $6,705(39) $6,685(17) Basel III Tier 1 common capital3 $6,863 $6,800 $6,747 $6,666 $6,668 Risk-weighted assets1,2Basel III adjustments3 $63,9172,295 $65,2202,091 $65,0991,996 $66,1151,854 $64,4862,313Basel III risk-weighted assets3 $66,212 $67,311 $67,095 $67,969 $66,799 Tier 1 common capital ratio2Basel III Tier 1 common capital ratio3 10.7%10.4% 10.4%10.1% 10.4%10.1% 10.1%9.8% 10.4%10.0%