Exhibit 99.3

Consolidated Balance Sheets
(dollars in millions)
			12/31/2022		9/30/2022		12/31/2021
Assets
	Loans		$	119,394	$	116,191	$	101,854
	Loans held for sale		963		1,048		2,729
	Securities available for sale		39,117		40,000		45,364
	Held-to-maturity securities		8,710		8,163		7,539
	Trading account assets		829		1,068		701
	Short-term investments		2,432		4,896		11,010
	Other investments		1,308		1,272		639
		Total earning assets	172,753		172,638		169,836
	Allowance for loan and lease losses		(1,337)		(1,144)		(1,061)
	Cash and due from banks		887		717		913
	Premises and equipment		636		629		681
	Goodwill		2,752		2,752		2,693
	Other intangible assets		94		106		130
	Corporate-owned life insurance		4,369		4,351		4,327
	Accrued income and other assets		9,223		9,535		8,265
	Discontinued assets		436		467		562
		Total assets	$	189,813	$	190,051	$	186,346
Liabilities
	Deposits in domestic offices:
		NOW and money market deposit accounts	$	86,707	$	84,168	$	89,207
		Savings deposits	7,681		7,860		7,503
		Certificates of deposit ($100,000 or more)	1,708		1,269		1,705
		Other time deposits	5,665		4,578		2,153
		Total interest-bearing deposits	101,761		97,875		100,568
		Noninterest-bearing deposits	40,834		46,980		52,004
		Total deposits	142,595		144,855		152,572
	Federal funds purchased and securities sold under repurchase agreements		4,077		4,224		173
	Bank notes and other short-term borrowings		5,386		4,576		588
	Accrued expense and other liabilities		4,994		4,849		3,548
	Long-term debt		19,307		18,257		12,042
		Total liabilities	176,359		176,761		168,923
Equity
	Preferred stock		2,500		2,500		1,900
	Common shares		1,257		1,257		1,257
	Capital surplus		6,286		6,257		6,278
	Retained earnings		15,616		15,450		14,553
	Treasury stock, at cost		(5,910)		(5,917)		(5,979)
	Accumulated other comprehensive income (loss)		(6,295)		(6,257)		(586)
		Key shareholders’ equity	13,454		13,290		17,423
	Noncontrolling interests		—		—		—
		Total equity	13,454		13,290		17,423
Total liabilities and equity			$	189,813	$	190,051	$	186,346
Common shares outstanding (000)			933,325		932,938		928,850

Consolidated Statements of Income
(dollars in millions, except per share amounts)
			Three months ended						Twelve months ended
			12/31/2022		9/30/2022		12/31/2021		12/31/2022		12/31/2021
Interest income
	Loans		$	1,347	$	1,134	$	873	$	4,241	$	3,532
	Loans held for sale		20		14		15		56		50
	Securities available for sale		195		196		148		752		546
	Held-to-maturity securities		64		55		52		213		185
	Trading account assets		10		8		5		31		19
	Short-term investments		48		32		8		97		28
	Other investments		11		5		2		22		7
		Total interest income	1,695		1,444		1,103		5,412		4,367
Interest expense
	Deposits		186		59		15		279		67
	Federal funds purchased and securities sold under repurchase agreements		16		19		—		41		—
	Bank notes and other short-term borrowings		54		24		2		90		8
	Long-term debt		219		146		53		475		221
		Total interest expense	475		248		70		885		296
Net interest income			1,220		1,196		1,033		4,527		4,071
Provision for credit losses			265		109		4		502		(418)
Net interest income after provision for credit losses			955		1,087		1,029		4,025		4,489
Noninterest income
	Trust and investment services income		126		127		135		526		530
	Investment banking and debt placement fees		172		154		323		638		937
	Service charges on deposit accounts		71		92		90		350		337
	Operating lease income and other leasing gains		24		19		37		103		148
	Corporate services income		89		96		76		372		288
	Cards and payments income		85		91		86		341		415
	Corporate-owned life insurance income		33		33		34		132		128
	Consumer mortgage income		9		14		25		58		131
	Commercial mortgage servicing fees		42		44		48		167		160
	Other income		20		13		55		31		120
		Total noninterest income	671		683		909		2,718		3,194
Noninterest expense
	Personnel		674		655		674		2,566		2,561
	Net occupancy		72		72		75		295		300
	Computer processing		82		77		73		314		284
	Business services and professional fees		60		47		70		212		227
	Equipment		20		23		25		92		100
	Operating lease expense		22		24		31		101		126
	Marketing		31		30		37		123		126
	Intangible asset amortization		—		—		—		—		—
	Other expense		195		178		185		707		705
		Total noninterest expense	1,156		1,106		1,170		4,410		4,429
Income (loss) from continuing operations before income taxes			470		664		768		2,333		3,254
	Income taxes		76		124		141		422		642
Income (loss) from continuing operations			394		540		627		1,911		2,612
	Income (loss) from discontinued operations, net of taxes		—		2		2		6		13
Net income (loss)			394		542		629		1,917		2,625
	Less: Net income (loss) attributable to noncontrolling interests		—		—		—		—		—
Net income (loss) attributable to Key			$	394	$	542	$	629	$	1,917	$	2,625
Income (loss) from continuing operations attributable to Key common shareholders			$	356	$	513	$	601	$	1,793	$	2,506
Net income (loss) attributable to Key common shareholders			356		515		603		1,799		2,519
Per common share
Income (loss) from continuing operations attributable to Key common shareholders			$	.38	$	.55	$	.65	$	1.94	$	2.6397
Income (loss) from discontinued operations, net of taxes			—		—		—		.01		.0134
Net income (loss) attributable to Key common shareholders (a)			.38		.55		.65		1.94		2.6531
Per common share — assuming dilution
Income (loss) from continuing operations attributable to Key common shareholders			$	.38	$	.55	$	.64	$	1.92	$	2.62
Income (loss) from discontinued operations, net of taxes			—		—		—		.01		.01
Net income (loss) attributable to Key common shareholders (a)			.38		.55		$	.64	1.93		2.63
Cash dividends declared per common share			$	.205	$	.195	$	.195	$	.79	$	.75
Weighted-average common shares outstanding (000)			924,974		924,594		922,970		924,363		947,065
	Effect of common share options and other stock awards		8,750		7,861		11,758		8,696		10,349
Weighted-average common shares and potential common shares outstanding (000) (b)			933,724		932,455		934,729		933,059		957,414

(a)Earnings per share may not foot due to rounding.

(b)Assumes conversion of common share options and other stock awards and/or convertible preferred stock, as applicable.