-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, MvyXLf74O7iSncYMQhsDU1DK312Gcl6xMApvPYLogBNEQK+ujeXj8F0++pXp4fxA ePimJS/lF5ax1hOz5BxTMw== 0000950152-06-000316.txt : 20060120 0000950152-06-000316.hdr.sgml : 20060120 20060120131543 ACCESSION NUMBER: 0000950152-06-000316 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 24 CONFORMED PERIOD OF REPORT: 20060120 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20060120 DATE AS OF CHANGE: 20060120 FILER: COMPANY DATA: COMPANY CONFORMED NAME: KEYCORP /NEW/ CENTRAL INDEX KEY: 0000091576 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 346542451 STATE OF INCORPORATION: OH FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-11302 FILM NUMBER: 06540149 BUSINESS ADDRESS: STREET 1: 127 PUBLIC SQ CITY: CLEVELAND STATE: OH ZIP: 44114-1306 BUSINESS PHONE: 2166896300 MAIL ADDRESS: STREET 1: 127 PUBLIC SQ CITY: CLEVELAND STATE: OH ZIP: 44114-1306 FORMER COMPANY: FORMER CONFORMED NAME: SOCIETY CORP DATE OF NAME CHANGE: 19920703 8-K 1 l18037ae8vk.htm KEYCORP 8-K KeyCorp 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 20, 2006

KEYCORP

(Exact name of registrant as specified in charter)


Ohio	0-850	34-6542451

(State or other jurisdiction of incorporation)	Commission File Number	(I.R.S. Employer Identification No.)


127 Public Square, Cleveland, Ohio		44114-1306

(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (216) 689-6300

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


o		Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o		Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o		Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o		Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Section 2 – Financial Information

Item 2.02 Results of Operations and Financial Condition

On January 20, 2006, KeyCorp conducted a conference call/webcast to discuss its quarterly earnings and currently anticipated earnings trends. The slide presentation reviewed by KeyCorp in the conference call/webcast follows as Annex A to this Item 2.02.

On January 20, 2006, KeyCorp issued a press release announcing its earnings results for the three- and twelve-month periods ended December 31, 2005. This press release, dated January 20, 2006, is attached as Exhibit 99.1 to this report.

Section 9 – Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

99.1

KeyCorp’s January 20, 2006, press release announcing its earnings results for the three- and twelve-month periods ended December 31, 2005.

Forward-Looking Statement. This filing contains forward-looking statements, including statements about our financial condition, results of operations, earnings outlook, asset quality trends and profitability. Forward-looking statements provide management’s current expectations or forecasts of future events and, by their nature, are subject to assumptions, risks and uncertainties. Although management believes that the expectations and forecasts reflected in these forward-looking statements are reasonable, actual results could differ materially from those contained in or implied by such forward-looking statements due to a variety of factors including: (1) changes in interest rates; (2) changes in trade, monetary or fiscal policy; (3) changes in general economic conditions, or in the condition of the local economies or industries in which we have significant operations or assets, which could, among other things, materially impact credit quality trends and our ability to generate loans; (4) increased competitive pressure among financial services companies; (5) the inability to successfully execute strategic initiatives designed to grow revenues and/or manage expenses; (6) consummation of significant business combinations or divestitures; (7) operational or risk management failures due to technological or other factors; (8) heightened regulatory practices, requirements or expectations; (9) new legal obligations or restrictions or unfavorable resolution of litigation; (10) adverse capital markets conditions; (11) disruption in the economy and general business climate as a result of terrorist activities or military actions; and (12) changes in accounting or tax practices or requirements. Forward-looking statements are not guarantees of future performance and should not be relied upon as representing management’s views as of any subsequent date. We do not assume any obligation to update these forward-looking statements.

ANNEX A

Fourth Quarter 2005 Review January 20, 2006 Speakers: Henry Meyer Jeff Weeden

PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 FORWARD-LOOKING STATEMENT DISCLOSURE This presentation contains forward-looking statements, including statements about our financial condition, results of operations, earnings outlook, asset quality trends and profitability. Forward- looking statements provide management's current expectations or forecasts of future events and, by their nature, are subject to assumptions, risks and uncertainties. Although management believes that the expectations and forecasts reflected in these forward-looking statements are reasonable, actual results could differ materially from those contained in or implied by such forward-looking statements due to a variety of factors including: (1) changes in interest rates; (2) changes in trade, monetary or fiscal policy; (3) changes in general economic conditions, or in the condition of the local economies or industries in which we have significant operations or assets, which could, among other things, materially impact credit quality trends and our ability to generate loans; (4) increased competitive pressure among financial services companies; (5) the inability to successfully execute strategic initiatives designed to grow revenues and/or manage expenses; (6) consummation of significant business combinations or divestitures; (7) operational or risk management failures due to technological or other factors; (8) heightened regulatory practices, requirements or expectations; (9) new legal obligations or restrictions or unfavorable resolution of litigation; (10) adverse capital markets conditions; (11) disruption in the economy and general business climate as a result of terrorist activities or military actions; and (12) changes in accounting or tax practices or requirements. Forward-looking statements are not guarantees of future performance and should not be relied upon as representing management's views as of any subsequent date. We do not assume any obligation to update these forward-looking statements. For further information regarding KeyCorp, please read KeyCorp's reports that are filed with the Securities and Exchange Commission and are available at www.sec.gov.

Strategic Overview Solid financial performance Strengthened compliance practices Invested in national businesses - - ORIX Capital Markets (CMBS servicing) - - Austin Capital Management (1Q06) Increased dividend 6.2%

Strong Dividend Record 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 T Outstanding 0.64 0.72 0.76 0.84 0.94 1.04 1.12 1.18 1.2 1.22 1.24 1.3 1.38 Dividend increased 41 consecutive years

Financial Summary - 4Q05 vs. 3Q05 Reported EPS: $0.72 Total revenue (TE) - up 4.1% - NIM: 3.71% vs. 3.67% Average total loans - up 2.1% Average core deposits - up 3.1% Asset quality - NCOs: 98 bps (22 bps ex. airline lease portfolio) - NPAs: 46 bps TE = Taxable Equivalent

Net Interest Margin (TE) 2000 2001 1Q02 2Q02 3Q02 2002 1Q03 2Q03 3Q03 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 0.0369 0.0381 0.0393 0.0398 0.0399 0.0394 0.0386 0.0385 0.0373 0.0378 0.0373 0.0356 0.036 0.0363 0.0366 0.0371 0.0367 0.0371 Peer Median S&P Regional & Diversified Bank Indices 0.0415 0.042 0.0412 0.04 0.0388 0.0381 0.0362 0.0378 0.0368 0.0357 0.0361 0.0364 0.0366 0.036 0.0362 TE = Taxable Equivalent

2002 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 Average Loan Growth from Prior Year -0.0406 -0.0107 -0.0094 -0.0104 0.0197 0.0613 0.065 0.077 0.0572 0.043 Consumer Loans 23.92 24.066 24.315 23.615 23.727 23.391 20.703 20.54 20.493 20.352 Commercial Loans 36.658 35.862 35.569 36.268 37.527 39.99 43.075 43.951 44.317 45.753 60.6 59.928 59.884 59.883 61.254 63.381 63.778 64.491 64.81 66.105 $ in billions Commercial Consumer Average Loans $36.6 24.0 $36.3 23.6 $35.6 24.3 $35.8 24.1 $37.6 23.7 $40.0 23.4 $43.1 20.7 $44.0 20.5 $44.3 20.5 $45.8 20.3

$ in billions 2002 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 CD's 12.8 11.3 11 10.6 10.3 10.4 10.6 10.8 10.8 10.8 Average Core Deposit Growth from Prior Year 0.008 0.1005 0.0545 0.0483 0.0475 0.0678 0.0728 0.0783 0.08 0.0796 Savings 2 2.1 2 2 2 1.9 2 2 2 1.858 Now & Mmda 13.8 17.9 18.9 19.8 20.5 21.5 21.6 22.3 22.886 23.947 dda 9.1 10.4 10.7 11 11.3 11.8 11.5 11.7 12.2 12.594 Total 37.7 41.7 42.6 43.4 44.1 45.7 45.7 46.8 47.9 49.4 DDA NOW/MMDA Savings CD's $9.1 13.8 2.0 12.8 Average Core Deposits $10.4 17.9 2.1 11.3 $10.7 18.9 2.0 11.0 $11.0 19.8 2.0 10.6 $11.3 20.5 2.0 10.3 $11.8 21.6 1.9 10.4 $11.5 21.6 2.0 10.6 $11.7 22.3 2.0 10.8 $12.2 22.9 2.0 10.8 $12.6 23.9 1.9 11.0

Net Charge-Offs to Average Loans 2002 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 0.0129 0.0091 0.0074 0.007 0.0049 0.0088 0.0034 0.003 0.003 0.0098 0.0035 0.0026 0.0022 Peer Median S&P Regional & Diversified Bank Indices 0.0071 0.0055 0.0036 0.0032 0.0032 0.0034 0.0027 0.0025 0.0027 (1) (2) (1) Continuing Portfolio (2) Excludes Passenger Airline Lease Portfolio (2)

NPAs to Loans and OREO 2002 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 0.016 0.0121 0.0112 0.0089 0.0074 0.006 0.0058 0.0052 0.006 0.0046 Peer Median S&P Regional & Diversified Bank Indices 0.0086 0.0069 0.0065 0.0057 0.0053 0.005 0.0048 0.0044 0.0042

Allowance to Period-end Loans 2002 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 0.0243 0.0235 0.022 0.021 0.0202 0.018 0.0176 0.017 0.0167 0.0145 Peer Median S&P Regional & Diversified Bank Indices 0.015 0.0141 0.014 0.0137 0.0133 0.0121 0.0119 0.0118 0.0119

Allowance to NPLs 2002 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 1.54 2.03 2.2287 2.9813 3.2159 3.6948 3.7726 3.7671 3.04 3.49 Peer Median S&P Regional & Diversified Bank Indices 2.07 2.38 2.58 2.85 3.16 3.11 3.2 3.37 3.37

Tangible Equity to Tangible Assets 2002 1Q03 2Q03 3Q03 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 0.0673 0.0671 0.069 0.0694 0.0694 0.0698 0.0664 0.0657 0.0635 0.0643 0.066 0.0668 0.0668 Peer Median S&P Regional & Diversified Bank Indices 0.065 0.0673 0.0655 0.0678 0.0679 0.0678 0.0649 0.0656 0.0635 0.0632 0.0625 0.0645

NIM: Stable to improving Earning Assets: Mid-single digit growth Expense Growth: Low single digit Asset Quality: NCOs in the 30 bps range 1Q06 EPS Range: $0.67 to $0.71 2006 F.Y.: $2.80 to $2.90 2006 Outlook

Appendix

Summary of Operations $ in millions, except per share amounts TE = Taxable Equivalent

Corporate and Investment Banking Financial Summary $ in millions TE = Taxable Equivalent NM = Not Meaningful

Corporate and Investment Banking Line of Business Summary $ in millions TE = Taxable Equivalent NM = Not Meaningful

Consumer Banking Financial Summary $ in millions TE = Taxable Equivalent NM = Not Meaningful

Consumer Banking Line of Business Summary $ in millions TE = Taxable Equivalent NM = Not Meaningful

Net Charge-Offs to Average Loans 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 Consumer Commercial by Loan Type 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 0.0038 0.0032 0.0027 0.0023 0.0016 0.0019 0.0067 0.0044 0.0049 0.0045 0.0048 0.0031 0.0006 0.0109 0.0138 (1) 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 (2) (1) Continuing Portfolio (2) Excludes Passenger Airline Lease Portfolio (2)

4Q01 1Q02 2Q02 3Q02 2002 1Q03 2Q03 3Q03 2003 1Q04 2Q04 3Q04 4Q04 1Q05 2Q05 3Q05 4Q05 KEY 0.44 0.451 0.461 0.444 0.447 0.424 0.415 0.396 0.405 0.39 0.375 0.367 0.376 0.384 0.381 0.373 0.381 Commercial Loans - Utilization

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.


				KEYCORP (Registrant)


Date: January 20, 2006		/s/ Lee Irving By: Lee Irving

		Title: Executive Vice President and Chief Accounting Officer

EX-99.1 2 l18037aexv99w1.htm EX-99.1 PRESS RELEASE EX-99.1

Exhibit 99.1


Analyst Contact:	Vernon L. Patterson	Media Contact:	William C. Murschel
	216.689.0520		216.689.0457


Investor Relations		Key Media
Information:	www.Key.com/ir	Newsroom: www.Key.com/newsroom

FOR IMMEDIATE RELEASE

KEYCORP REPORTS FOURTH QUARTER AND
RECORD 2005 EARNINGS

•		EPS of $0.72 for the fourth quarter and $2.73 for the full year

•		ROE of 15.59% for the fourth quarter, compared with 11.99% one year ago

•		Higher revenue

•		Average core deposits up 8% from the fourth quarter of 2004

•		Continued expansion of commercial mortgage servicing business

CLEVELAND, January 20, 2006 – KeyCorp today announced fourth quarter net income of $296 million, or $0.72 per diluted common share, compared with $213 million, or $0.51 per share, for the fourth quarter of 2004. Adjusted net income for the year-ago quarter was $290 million, or $0.70 per share, excluding the effects of the sale of the broker-originated home equity loan portfolio and the reclassification of the indirect automobile loan portfolio to held-for-sale status. For the third quarter of 2005, net income was $278 million, or $0.67 per diluted common share. Return on average equity rose to 15.59% for the fourth quarter of 2005 from 11.99% for the same period last year and 14.84% for the third quarter of 2005.

Key’s 2005 net income of $1.129 billion, or $2.73 per diluted common share, was the highest in the company’s history. Net income increased 18 percent from a reported $954 million, or $2.30 per share, for the previous year. Return on average equity rose to 15.42% for 2005 from 13.75% for 2004.

“Key’s solid fourth quarter results reflect our success in growing revenue, improving our business mix and strengthening our credit risk profile,” said Chairman and Chief Executive Officer Henry L. Meyer III. “Compared with last year’s comparable quarter, taxable-equivalent revenue rose by $132 million, reflecting an improved net interest margin, strong commercial loan growth, higher fee income and growth in core deposits – which increased 8% from the fourth quarter of 2004. During the quarter, we also increased our commercial mortgage servicing portfolio from $44 billion to more than $70 billion through the acquisition of the commercial mortgage-backed servicing business of ORIX Capital Markets, LLC.

“Over the past several years, we have restored our strong credit culture, and we remain committed to maintaining it. Included in our net charge-offs for the quarter were $127 million of commercial passenger airline leases. Our exposure to that industry now stands at $86 million, substantially all of which is categorized as performing. Total nonperforming loans were down $31 million and total nonperforming assets declined by $72 million from December 31, 2004; both are at their lowest level in 11 years.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 2

“We are also committed to strengthening our anti-money laundering processes, and controls related to the Bank Secrecy Act. We believe we have made significant progress in this regard during the fourth quarter and will continue with our improvement efforts into 2006.”

The company expects earnings to be in the range of $0.67 to $0.71 per share for the first quarter of 2006 and $2.80 to $2.90 per share for the full year.

SUMMARY OF CONSOLIDATED RESULTS

Taxable-equivalent net interest income increased to $748 million for the fourth quarter of 2005 from $698 million for the same period last year. Average earning assets rose by 4%, due primarily to commercial loan growth, while the net interest margin increased 8 basis points to 3.71%. The growth in commercial loans was attributable in part to the acquisition of American Express Business Finance Corporation during the fourth quarter of 2004. Compared with the third quarter of 2005, taxable-equivalent net interest income grew by $22 million. This growth was attributable to a $1.4 billion increase in average earning assets and a 4 basis point improvement in the net interest margin.

Key’s noninterest income was $561 million for the fourth quarter of 2005, compared with $479 million for the year-ago quarter. The increase was attributable primarily to net gains from loan securitizations and sales recorded in the fourth quarter of 2005, compared with net losses recorded in the year-ago quarter. Current year results included a $16 million gain from the annual securitization and sale of education loans, while last year’s results included $46 million of losses associated with management’s decision to sell the broker-originated home equity and indirect automobile loan portfolios. Also contributing to the improved performance was a $15 million increase in income from principal investing.

Compared with the third quarter of 2005, noninterest income grew by $30 million. The improvement reflected a $22 million increase in net gains from loan securitizations and sales, due largely to the gain resulting from the securitization and sale of education loans in the current period. Noninterest income also benefited from increases of $9 million in income from investment banking activities, $6 million in net gains on the residual values of leased equipment and $5 million in income from corporate owned life insurance. These increases were offset, in part, by an $11 million reduction in income from principal investing.

Key’s noninterest expense was $834 million for the fourth quarter of 2005, compared with $818 million for the same period last year. Excluding a $55 million write-off of goodwill recorded during the fourth quarter of 2004 in connection with the decision to sell Key’s nonprime indirect automobile loan business, noninterest expense for the fourth quarter of 2005 was up $71 million from the year-ago quarter. Nonpersonnel expense accounted for most of the growth. During the fourth quarter, miscellaneous expense included a $15 million contribution to the Key Foundation, a $10 million accrual for the settlement of a legal dispute and an additional $5 million reserve to absorb potential noncredit-related losses from Key’s education lending business. Also contributing to the increase in noninterest expense were professional fees associated with Key’s efforts to strengthen its compliance controls, higher franchise and business taxes, and an increase in net occupancy expense. Personnel expense rose by $5 million from the fourth quarter of 2004.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 3

Compared with the third quarter of 2005, noninterest expense increased by $53 million. Nonpersonnel expense grew by $51 million, reflecting the $15 million contribution to the Key Foundation, the legal settlement accrual, and increases in professional fees and a variety of other expense components. The level of personnel expense was essentially unchanged.

ASSET QUALITY

Key’s provision for loan losses was an expense of $36 million for the fourth quarter of 2005, compared with a credit of $21 million for the year-ago quarter and an expense of $43 million for the third quarter of 2005.

Net loan charge-offs for the quarter totaled $164 million, or 0.98% of average loans, compared with $140 million, or 0.88%, for the same period last year and $49 million, or 0.30%, for the previous quarter. The increase from September 30, 2005, was attributable to the charge-off of several credits within the commercial passenger airline portfolio. Key had established reserves in prior periods in connection with these lease financing receivables.

At December 31, 2005, Key’s nonperforming loans stood at $277 million and represented 0.42% of period-end loans, compared with 0.49% at December 31, 2004, and 0.55% at September 30, 2005. The decrease from the prior quarter reflects charge-offs related to certain commercial passenger airline leases.

Key’s allowance for loan losses stood at $966 million, or 1.45% of loans outstanding at December 31, 2005, compared with $1.138 billion, or 1.80% at December 31, 2004, and $1.093 billion, or 1.67% at September 30, 2005. At December 31, 2005, the allowance for loan losses represented 349% of nonperforming loans, compared with 369% a year ago and 304% at September 30, 2005.

CAPITAL

Key’s capital ratios continued to exceed all “well-capitalized” regulatory benchmarks at December 31, 2005. Key’s tangible equity to tangible assets ratio was 6.68% at quarter end, compared with 6.35% at December 31, 2004, and 6.68% at September 30, 2005. The ratio is currently within management’s targeted range of 6.25% to 6.75%.

Key’s capital position provides it with the flexibility to take advantage of future investment opportunities, to repurchase shares when appropriate and to pay dividends. During the fourth quarter of 2005, Key repurchased 3,250,000 of its common shares. At December 31, 2005, there were 22,461,248 shares remaining for repurchase under the current authorization. Share repurchases and other activities that caused the change in Key’s outstanding common shares over the past five quarters are summarized in the table below.

Summary of Changes in Common Shares Outstanding


in thousands	4Q05			3Q05			2Q05		1Q05			4Q04

Shares outstanding at beginning of period		408,542			408,231			407,297		407,570			405,723
Issuance of shares under employee benefit and dividend reinvestment plans		1,332			1,561			934		2,227			1,847
Repurchase of common shares		(3,250	)		(1,250	)		—		(2,500	)		—

Shares outstanding at end of period		406,624			408,542			408,231		407,297			407,570

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 4

LINE OF BUSINESS RESULTS

The following table shows the contribution made by each major business group to Key’s taxable-equivalent revenue and net income for the periods presented. The specific lines of business that comprise each of the major business groups are described under the heading “Line of Business Descriptions.” For more detailed financial information pertaining to each business group and its respective lines of business, see the last two pages of this release.

Major Business Groups


										Percent change 4Q05 vs.
dollars in millions	4Q05			3Q05			4Q04			3Q05			4Q04

Revenue (taxable equivalent)
Consumer Banking	$	730		$	716		$	691			2.0	%		5.6	%
Corporate and Investment Banking		577			543			515			6.3			12.0
Other Segments		17			24			(2	)		(29.2	)		N/M

Total segments		1,324			1,283			1,204			3.2			10.0

Reconciling Items		(15	)		(26	)		(27	)		42.3			44.4

Total	$	1,309		$	1,257		$	1,177			4.1	%		11.2	%


Net income (loss)
Consumer Banking	$	109		$	125		$	59			(12.8	)%		84.7	%
Corporate and Investment Banking		161			148			174			8.8			(7.5	)
Other Segments		20			21			9			(4.8	)		122.2

Total segments		290			294			242			(1.4	)		19.8

Reconciling Items		6			(16	)		(29	)		N/M			N/M

Total	$	296		$	278		$	213			6.5	%		39.0	%

N/M = Not Meaningful

Consumer Banking


										Percent change 4Q05 vs.
dollars in millions	4Q05			3Q05			4Q04			3Q05			4Q04

Summary of operations
Net interest income (TE)	$	489		$	483		$	502			1.2	%		(2.6	)%
Noninterest income		241			233			189			3.4			27.5

Total revenue (TE)		730			716			691			2.0			5.6
Provision for loan losses		28			29			9			(3.4	)		211.1
Noninterest expense		527			488			555			8.0			(5.0	)

Income before income taxes (TE)		175			199			127			(12.1	)		37.8
Allocated income taxes and TE adjustments		66			74			68			(10.8	)		(2.9	)

Net income	$	109		$	125		$	59			(12.8	)%		84.7	%

Percent of consolidated net income		37	%		45	%		28	%		N/A			N/A

Average balances
Loans	$	29,260		$	29,139		$	31,886			.4	%		(8.2	)%
Total assets		35,688			35,473			37,796			.6			(5.6	)
Deposits		43,158			42,359			40,925			1.9			5.5

TE = Taxable Equivalent, N/A = Not Applicable

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 5


Additional Consumer Banking Data
										Percent change 4Q05 vs.
dollars in millions	4Q05			3Q05			4Q04			3Q05			4Q04

Average deposits outstanding
Noninterest-bearing	$	7,131		$	7,122		$	6,741			.1	%		5.8	%
Money market deposit accounts and other savings		21,313			20,785			20,315			2.5			4.9
Time		14,714			14,452			13,869			1.8			6.1

Total deposits	$	43,158		$	42,359		$	40,925			1.9	%		5.5	%


Home equity loans
Community Banking:
Average balance	$	10,288		$	10,365		$	10,534
Average loan-to-value ratio		71	%		71	%		72	%
Percent first lien positions		61			61			61
National Home Equity:
Average balance	$	3,471		$	3,515		$	4,153
Average loan-to-value ratio		64	%		65	%		67	%
Percent first lien positions		63			66			70


Other data
On-line households / household penetration		622,957/50	%		607,127/49	%		571,051/45	%
KeyCenters		947			946			935
Automated teller machines		2,180			2,185			2,194

Net income for Consumer Banking was $109 million for the fourth quarter of 2005, compared with $59 million for the year-ago quarter. Two principal causes of the increase were the fourth quarter 2004 sale of the broker-originated home equity loan portfolio, and the reclassification of the indirect automobile loan portfolio to held-for-sale status. These actions significantly reduced noninterest income and the provision for loan losses, and substantially increased noninterest expense in the year-ago quarter. Excluding the effects of the above actions, net income for Consumer Banking was $136 million for the fourth quarter of 2004.

Taxable-equivalent net interest income decreased by $13 million, or 3%, from the fourth quarter of 2004, due to a less favorable interest rate spread on average earning assets and a reduction in loans which resulted from the sale of the higher-yielding broker-originated home equity and indirect automobile loan portfolios. The adverse effects of these factors were moderated by growth in average deposits.

Noninterest income rose by $52 million, or 28%, due primarily to net gains from loan securitizations and sales recorded in the fourth quarter of 2005, compared with net losses recorded in the year-ago quarter. Current year results included a $16 million gain from the annual securitization and sale of education loans, while last year’s results included $46 million of losses associated with management’s decision to sell the previously-mentioned portfolios. Noninterest income also benefited from higher income from electronic banking and loan securitization servicing. The positive effects of these factors were offset, in part, by decreases in income from brokerage, and various investment banking and capital markets activities.

Noninterest expense decreased by $28 million, or 5%, due primarily to a $55 million write-down of goodwill recorded in the fourth quarter of 2004 in connection with management’s decision to sell the nonprime indirect automobile loan business, and a decrease in personnel expense. The overall reduction in noninterest expense was moderated by higher costs associated with loan servicing and various indirect charges.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 6

Corporate and Investment Banking


										Percent change 4Q05 vs.
dollars in millions	4Q05			3Q05			4Q04			3Q05			4Q04

Summary of operations
Net interest income (TE)	$	315		$	297		$	260			6.1	%		21.2	%
Noninterest income		262			246			255			6.5			2.7

Total revenue (TE)		577			543			515			6.3			12.0
Provision for loan losses		8			14			(30	)		(42.9	)		N/M
Noninterest expense		312			292			266			6.8			17.3

Income before income taxes (TE)		257			237			279			8.4			(7.9	)
Allocated income taxes and TE adjustments		96			89			105			7.9			(8.6	)

Net income	$	161		$	148		$	174			8.8	%		(7.5	)%


Percent of consolidated net income		54	%		53	%		82	%		N/A			N/A

Average balances
Loans	$	36,407		$	35,064		$	30,852			3.8	%		18.0	%
Total assets		42,998			41,398			37,012			3.9			16.2
Deposits		11,157			10,136			8,793			10.1			26.9

TE = Taxable Equivalent, N/M = Not Meaningful, N/A = Not Applicable


Additional Corporate and Investment Banking Data							Percent change 4Q05 vs.
dollars in millions	4Q05		3Q05		4Q04		3Q05			4Q04

Average lease financing receivables managed by Key Equipment Finance^a
Receivables held in Key Equipment
Finance portfolio	$	8,311	$	8,150	$	6,937		2.0	%		19.8	%
Receivables assigned to other lines of business		1,974		2,011		1,892		(1.8	)		4.3

Total lease financing receivables managed	$	10,285	$	10,161	$	8,829		1.2	%		16.5	%


(a)		Includes lease financing receivables held in portfolio and those assigned to other lines of business (primarily Corporate Banking) if those businesses are principally responsible for maintaining the relationship with the client.

Net income for Corporate and Investment Banking was $161 million for the fourth quarter of 2005, down from $174 million for the same period last year. A significant increase in the provision for loan losses and growth in noninterest expense more than offset increases in both net interest income and noninterest income.

The provision for loan losses was an expense of $8 million for the fourth quarter of 2005, compared with a credit of $30 million for the year-ago quarter. The credit recorded last year was due largely to improved asset quality in the Corporate Banking and KeyBank Real Estate Capital lines of business.

Noninterest expense rose by $46 million, or 17%, as business expansion, including the acquisition of American Express Business Finance Corporation (“AEBF”), contributed to increases in personnel and various other expense categories.

Taxable-equivalent net interest income increased by $55 million, or 21%, due primarily to strong growth in average loans and leases, as well as deposits. Average loans and leases rose by $5.6 billion, or 18%, reflecting improvements in each of the primary lines of business. The increase in lease financing receivables in the Key Equipment Finance line was bolstered by the acquisition of AEBF during the fourth quarter of 2004.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 7

Noninterest income grew by $7 million, or 3%. The improvement was driven by net securities gains in the current year, compared with net losses recorded one year ago, higher income from operating leases and an increase in net gains on the residual values of leased equipment. The positive effects of these factors were partially offset by a reduction in income from investment banking activities.

On December 8, 2005, we continued the expansion of our commercial mortgage servicing business by acquiring the commercial mortgage-backed servicing business of ORIX Capital Markets, LLC. This is one in a series of acquisitions that we have made over the past several years to build upon our success in commercial mortgage origination and servicing.

Other Segments

Other segments consist of Corporate Treasury and Key’s Principal Investing unit. These segments generated net income of $20 million for the fourth quarter of 2005, compared with $9 million for the same period last year. Increases in net gains from principal investing and net interest income drove the improvement.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 8

Line of Business Descriptions

Consumer Banking

Community Banking includes Retail Banking, Small Business and McDonald Financial Group.

Retail Banking provides individuals with branch-based deposit and investment products, personal finance services and loans, including residential mortgages, home equity and various types of installment loans.

Small Business provides businesses that typically have annual sales revenues of $10 million or less with deposit, investment and credit products, and business advisory services.

McDonald Financial Group offers financial, estate and retirement planning, and asset management services to assist high-net-worth clients with their banking, brokerage, trust, portfolio management, insurance, charitable giving and related needs.

Consumer Finance includes Indirect Lending and National Home Equity.

Indirect Lending offers loans to consumers through dealers and finances inventory for automobile and marine dealers. This business unit also provides federal and private education loans to students and their parents and processes payments on loans that private schools make to parents.

National Home Equity provides both prime and nonprime mortgage and home equity loan products to individuals. These products originate outside of Key’s retail branch system. This business unit also works with home improvement contractors to provide home equity and home improvement solutions.

Corporate and Investment Banking

Corporate Banking provides products and services to large corporations, middle-market companies, financial institutions and government organizations. These products and services include commercial lending, treasury management, investment banking, derivatives and foreign exchange, equity and debt underwriting and trading, and syndicated finance.

Through its Victory Capital Management unit, Corporate Banking also manages or gives advice regarding investment portfolios for a national client base, including corporations, labor unions, not-for-profit organizations, governments and individuals. These portfolios may be managed in separate accounts, common funds or the Victory family of mutual funds.

KeyBank Real Estate Capital provides construction and interim lending, permanent debt placements and servicing, and equity and investment banking services to developers, brokers and owner-investors. This line of business deals exclusively with nonowner-occupied properties (i.e., generally properties for which the owner occupies less than 60% of the premises).

Key Equipment Finance meets the equipment leasing needs of companies worldwide and provides equipment manufacturers, distributors and resellers with financing options for their clients. Lease financing receivables and related revenues are assigned to other lines of business (primarily Corporate Banking) if those businesses are principally responsible for maintaining the relationship with the client.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 9

Cleveland-based KeyCorp is one of the nation’s largest bank-based financial services companies, with assets of approximately $93 billion. Key companies provide investment management, retail and commercial banking, consumer finance, and investment banking products and services to individuals and companies throughout the United States and, for certain businesses, internationally. The company’s businesses deliver their products and services through 947 KeyCenters and offices; a network of 2,180 ATMs; telephone banking centers (1.800.KEY2YOU); and a Web site, Key.com,^âthat provides account access and financial products 24 hours a day.

Notes to Editors:

A live Internet broadcast of KeyCorp’s conference call to discuss quarterly earnings and currently anticipated earnings trends and to answer analysts’ questions can be accessed through the Investor Relations section at www.Key.com/ir at 9:00 a.m. ET, on Friday, January 20, 2006. A tape of the call will be available through January 27.

For up-to-date company information, media contacts and facts and figures about Key’s lines of business visit our Media Newsroom at www.Key.com/newsroom.

This news release contains forward-looking statements, including statements about our financial condition, results of operations, earnings outlook, asset quality trends and profitability. Forward-looking statements provide management’s current expectations or forecasts of future events and, by their nature, are subject to assumptions, risks and uncertainties. Although management believes that the expectations and forecasts reflected in these forward-looking statements are reasonable, actual results could differ materially from those contained in or implied by such forward-looking statements due to a variety of factors including: (1) changes in interest rates; (2) changes in trade, monetary or fiscal policy; (3) changes in general economic conditions, or in the condition of the local economies or industries in which we have significant operations or assets, which could, among other things, materially impact credit quality trends and our ability to generate loans; (4) increased competitive pressure among financial services companies; (5) the inability to successfully execute strategic initiatives designed to grow revenues and/or manage expenses; (6) consummation of significant business combinations or divestitures; (7) operational or risk management failures due to technological or other factors; (8) heightened regulatory practices, requirements or expectations; (9) new legal obligations or restrictions or unfavorable resolution of litigation; (10) adverse capital markets conditions; (11) disruption in the economy and general business climate as a result of terrorist activities or military actions; and (12) changes in accounting or tax practices or requirements. Forward-looking statements are not guarantees of future performance and should not be relied upon as representing management’s views as of any subsequent date. We do not assume any obligation to update these forward-looking statements. For further information regarding KeyCorp, please read KeyCorp’s reports that are filed with the Securities and Exchange Commission and are available at www.sec.gov.

###

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 10

Financial Highlights
(dollars in millions, except per share amounts)


	Three months ended
	12-31-05			9-30-05			12-31-04
Summary of operations
Net interest income (TE)	$	748		$	726		$	698
Noninterest income		561			531			479

Total revenue (TE)		1,309			1,257			1,177
Provision for loan losses		36			43			(21	)
Noninterest expense		834			781			818
Net income		296			278			213

Per common share
Net income	$	.72		$	.68		$	.52
Net income — assuming dilution		.72			.67			.51
Cash dividends paid		.325			.325			.31
Book value at period end		18.69			18.41			17.46
Market price at period end		32.93			32.25			33.90

Performance ratios
Return on average total assets		1.27	%		1.22	%		.95	%
Return on average equity		15.59			14.84			11.99
Net interest margin (TE)		3.71			3.67			3.63

Capital ratios at period end
Equity to assets		8.16	%		8.15	%		7.84	%
Tangible equity to tangible assets		6.68			6.68			6.35
Tier 1 risk-based capital ^a		7.67			7.72			7.22
Total risk-based capital ^a		11.59			11.83			11.47
Leverage ^a		8.54			8.60			7.96

Asset quality
Net loan charge-offs	$	164		$	49		$	140
Net loan charge-offs to average loans		.98	%		.30	%		.88	%
Allowance for loan losses	$	966		$	1,093		$	1,138
Allowance for loan losses to period-end loans		1.45	%		1.67	%		1.80	%
Allowance for loan losses to nonperforming loans		348.74			303.61			369.48
Nonperforming loans at period end	$	277		$	360		$	308
Nonperforming assets at period end		307			393			379
Nonperforming loans to period-end loans		.42	%		.55	%		.49	%
Nonperforming assets to period-end loans plus OREO and other nonperforming assets		.46			.60			.60

Trust and brokerage assets
Assets under management	$	77,144		$	76,341		$	74,557
Nonmanaged and brokerage assets		56,509			57,313			72,703

Other data
Average full-time equivalent employees		19,417			19,456			19,575
KeyCenters		947			946			935

Taxable-equivalent adjustment	$	30		$	33		$	26

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 11

Financial Highlights (continued)
(dollars in millions, except per share amounts)


	Twelve months ended
	12-31-05			12-31-04
Summary of operations
Net interest income (TE)	$	2,911		$	2,699
Noninterest income		2,078			1,929

Total revenue (TE)		4,989			4,628
Provision for loan losses		143			185
Noninterest expense		3,137			2,961
Net income		1,129			954

Per common share
Net income	$	2.76		$	2.32
Net income — assuming dilution		2.73			2.30
Cash dividends paid		1.30			1.24

Performance ratios
Return on average total assets		1.24	%		1.10	%
Return on average equity		15.42			13.75
Net interest margin (TE)		3.69			3.63

Asset quality
Net loan charge-offs	$	315		$	431
Net loan charge-offs to average loans		.49	%		.70	%

Other data
Average full-time equivalent employees		19,485			19,576

Taxable-equivalent adjustment	$	121		$	94

(a) 12-31-05 ratio is estimated.

TE = Taxable Equivalent

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 12

Consolidated Balance Sheets
(dollars in millions)


	12-31-05			9-30-05			12-31-04
Assets
Loans	$	66,478		$	65,575		$	63,372
Loans held for sale		3,381			3,595			4,353
Investment securities		91			98			71
Securities available for sale		7,269			7,124			7,451
Short-term investments		1,592			2,394			1,472
Other investments		1,332			1,310			1,421

Total earning assets		80,143			80,096			78,140
Allowance for loan losses		(966	)		(1,093	)		(1,138	)
Cash and due from banks		3,108			2,660			2,454
Premises and equipment		656			593			603
Goodwill		1,355			1,344			1,359
Other intangible assets		125			109			87
Corporate-owned life insurance		2,690			2,658			2,608
Derivative assets		1,039			1,132			1,949
Accrued income and other assets		4,976			4,824			4,685

Total assets	$	93,126		$	92,323		$	90,747


Liabilities
Deposits in domestic offices:
NOW and money market deposit accounts	$	24,241		$	23,541		$	21,748
Savings deposits		1,840			1,922			1,970
Certificates of deposit ($100,000 or more)		5,156			4,783			4,697
Other time deposits		11,170			10,804			10,435

Total interest-bearing		42,407			41,050			38,850
Noninterest-bearing		13,335			12,202			11,581
Deposits in foreign office — interest-bearing		3,023			4,819			7,411

Total deposits		58,765			58,071			57,842
Federal funds purchased and securities sold under repurchase agreements		4,835			3,444			2,145
Bank notes and other short-term borrowings		1,780			3,001			2,515
Derivative liabilities		1,060			1,075			1,196
Accrued expense and other liabilities		5,149			5,173			5,086
Long-term debt		13,939			14,037			14,846

Total liabilities		85,528			84,801			83,630

Shareholders’ equity
Preferred stock		—			—			—
Common shares		492			492			492
Capital surplus		1,534			1,517			1,491
Retained earnings		7,882			7,719			7,284
Treasury stock		(2,204	)		(2,133	)		(2,128	)
Accumulated other comprehensive loss		(106	)		(73	)		(22	)

Total shareholders’ equity		7,598			7,522			7,117


Total liabilities and shareholders’ equity	$	93,126		$	92,323		$	90,747


Common shares outstanding (000)		406,624			408,542			407,570

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 13

Consolidated Statements of Income
(dollars in millions, except per share amounts)


	Three months ended							Twelve months ended
	12-31-05		9-30-05		12-31-04			12-31-05		12-31-04
Interest income
Loans	$	1,085	$	1,006	$	870		$	3,922	$	3,263
Loans held for sale		64		56		33			254		114
Investment securities		—		1		1			3		5
Securities available for sale		84		84		81			328		331
Short-term investments		19		15		11			56		38
Other investments		10		12		9			54		35

Total interest income		1,262		1,174		1,005			4,617		3,786

Interest expense
Deposits		309		273		184			1,026		677
Federal funds purchased and securities sold under repurchase agreements		40		31		23			121		60
Bank notes and other short-term borrowings		24		22		13			82		42
Long-term debt		171		155		113			598		402

Total interest expense		544		481		333			1,827		1,181


Net interest income		718		693		672			2,790		2,605
Provision for loan losses		36		43		(21	)		143		185

		682		650		693			2,647		2,420

Noninterest income
Trust and investment services income		134		135		143			542		564
Service charges on deposit accounts		76		82		77			304		331
Investment banking and capital markets income		82		93		77			294		255
Letter of credit and loan fees		49		46		50			182		158
Corporate-owned life insurance income		31		26		33			109		110
Electronic banking fees		26		24		23			96		85
Net gains (losses) from loan securitizations and sales		34		12		(29	)		75		16
Net securities gains (losses)		3		3		(3	)		1		4
Other income		126		110		108			475		406

Total noninterest income		561		531		479			2,078		1,929

Noninterest expense
Personnel		416		414		411			1,606		1,549
Net occupancy		68		66		60			280		236
Computer processing		57		54		50			212		191
Equipment		27		28		30			111		119
Professional fees		42		29		32			129		113
Marketing		30		29		32			118		111
Other expense		194		161		203			681		642

Total noninterest expense		834		781		818			3,137		2,961


Income before income taxes		409		400		354			1,588		1,388
Income taxes		113		122		141			459		434

Net income	$	296	$	278	$	213		$	1,129	$	954


Net income per common share	$	.72	$	.68	$	.52		$	2.76	$	2.32
Net income per common share — assuming dilution		.72		.67		.51			2.73		2.30
Cash dividends declared per common share		.325		.325		.31			1.30		1.24

Weighted-average common shares outstanding (000)		408,431		410,456		408,243			408,981		410,585
Weighted-average common shares and potential common shares outstanding (000)		412,542		415,441		413,727			414,014		415,430

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 14

Consolidated Average Balance Sheets, Net Interest Income and Yields/Rates
(dollars in millions)


	Fourth Quarter 2005								Third Quarter 2005								Fourth Quarter 2004
	Average								Average								Average
	Balance			Interest		Yield/Rate			Balance			Interest		Yield/Rate			Balance			Interest		Yield/Rate
Assets
Loans: ^a,b
Commercial, financial and agricultural	$	19,992		$	315		6.25	%	$	19,249		$	280		5.78	%	$	17,899		$	206		4.59	%
Real estate — commercial mortgage		8,580			151		6.98			8,467			136		6.42			7,967			107		5.35
Real estate — construction		6,896			129		7.42			6,388			110		6.81			5,295			74		5.52
Commercial lease financing		10,285			154		6.01			10,161			158		6.19			8,829			129		5.89

Total commercial loans		45,753			749		6.51			44,265			684		6.15			39,990			516		5.15
Real estate — residential		1,460			23		6.22			1,472			23		6.13			1,512			23		5.94
Home equity		13,767			242		7.00			13,888			236		6.72			14,696			219		5.94
Consumer — direct		1,785			44		9.68			1,794			40		8.96			2,003			38		7.63
Consumer — indirect lease financing		23			1		11.28			36			1		11.05			104			3		10.02
Consumer — indirect other		3,317			55		6.68			3,303			55		6.62			5,076			96		7.55

Total consumer loans		20,352			365		7.13			20,493			355		6.86			23,391			379		6.45

Total loans		66,105			1,114		6.70			64,758			1,039		6.37			63,381			895		5.63
Loans held for sale		3,592			64		7.05			3,521			56		6.43			2,635			33		5.07
Investment securities ^a		95			1		5.81			76			1		7.00			75			2		8.53
Securities available for sale ^c		7,034			84		4.77			7,131			84		4.65			7,233			81		4.48
Short-term investments		2,091			19		3.53			1,972			15		3.15			2,100			11		2.00
Other investments ^c		1,297			10		3.09			1,342			12		3.25			1,417			9		2.56

Total earning assets		80,214			1,292		6.40			78,800			1,207		6.08			76,841			1,031		5.35
Allowance for loan losses		(1,085	)							(1,095	)							(1,251	)
Accrued income and other assets		13,077								12,918								13,658

Total assets	$	92,206							$	90,623							$	89,248


Liabilities
NOW and money market deposit accounts	$	23,947			127		2.11		$	22,886			101		1.75		$	21,591			46		.84
Savings deposits		1,858			1		.27			1,952			2		.29			1,951			1		.23
Certificates of deposit ($100,000 or more) ^d		5,006			51		4.06			4,928			48		3.85			4,871			44		3.66
Other time deposits		10,951			96		3.46			10,805			87		3.21			10,366			75		2.89
Deposits in foreign office		3,316			34		4.03			4,048			35		3.46			3,506			18		1.96

Total interest-bearing deposits		45,078			309		2.72			44,619			273		2.43			42,285			184		1.73
Federal funds purchased and securities sold under repurchase agreements		4,309			40		3.72			3,674			31		3.28			5,085			23		1.81
Bank notes and other short-term borrowings		2,607			24		3.67			2,841			22		3.04			2,793			13		1.79
Long-term debt ^d		13,860			171		4.89			13,814			155		4.50			14,119			113		3.36

Total interest-bearing liabilities		65,854			544		3.28			64,948			481		2.94			64,282			333		2.08

Noninterest-bearing deposits		12,594								12,215								11,804
Accrued expense and other liabilities		6,224								6,027								6,095

Total liabilities		84,672								83,190								82,181

Shareholders’ equity		7,534								7,433								7,067


Total liabilities and shareholders’ equity	$	92,206							$	90,623							$	89,248


Interest rate spread (TE)							3.12	%							3.14	%							3.27	%

Net interest income (TE) and net interest margin (TE)					748		3.71	%					726		3.67	%					698		3.63	%

TE adjustment ^a					30								33								26

Net interest income, GAAP basis				$	718							$	693							$	672


(a)		Interest income on tax-exempt securities and loans has been adjusted to a taxable-equivalent basis using the statutory federal income tax rate of 35%.

(b)		For purposes of these computations, nonaccrual loans are included in average loan balances.

(c)		Yield is calculated on the basis of amortized cost.

(d)		Rate calculation excludes basis adjustments related to fair value hedges.

TE = Taxable Equivalent

GAAP = U.S. generally accepted accounting principles

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 15

Consolidated Average Balance Sheets, Net Interest Income and Yields/Rates
(dollars in millions)


	Twelve months ended December 31, 2005								Twelve months ended December 31, 2004
	Average								Average
	Balance			Interest		Yield/Rate			Balance			Interest		Yield/Rate
Assets
Loans: ^a,b
Commercial, financial and agricultural	$	19,480		$	1,083		5.56	%	$	17,119		$	762		4.45	%
Real estate — commercial mortgage		8,403			531		6.32			7,032			354		5.03
Real estate — construction		6,263			418		6.67			4,926			250		5.08
Commercial lease financing		10,122			628		6.21			8,269			487		5.90

Total commercial loans		44,268			2,660		6.01			37,346			1,853		4.96
Real estate — residential		1,468			90		6.10			1,563			94		6.01
Home equity		13,886			916		6.60			14,784			842		5.70
Consumer — direct		1,834			158		8.60			2,048			154		7.52
Consumer — indirect lease financing		47			5		10.72			178			18		9.86
Consumer — indirect other		3,286			212		6.45			5,188			393		7.58

Total consumer loans		20,521			1,381		6.73			23,761			1,501		6.32

Total loans		64,789			4,041		6.24			61,107			3,354		5.49
Loans held for sale		3,638			254		6.99			2,510			114		4.55
Investment securities^a		76			5		7.30			85			8		8.69
Securities available for sale ^c		7,118			328		4.60			7,215			331		4.60
Short-term investments		1,887			56		2.96			2,218			38		1.70
Other investments^c		1,379			54		3.79			1,257			35		2.77

Total earning assets		78,887			4,738		6.00			74,392			3,880		5.22
Allowance for loan losses		(1,109	)							(1,284	)
Accrued income and other assets		13,150								13,309

Total assets	$	90,928							$	86,417


Liabilities
NOW and money market deposit accounts	$	22,696			360		1.59		$	20,175			147		.73
Savings deposits		1,941			5		.26			2,007			5		.23
Certificates of deposit ($100,000 or more) ^d		4,957			189		3.82			4,834			178		3.71
Other time deposits		10,789			341		3.16			10,564			304		2.88
Deposits in foreign office		4,155			131		3.15			2,978			43		1.43

Total interest-bearing deposits		44,538			1,026		2.30			40,558			677		1.67
Federal funds purchased and securities sold under repurchase agreements		4,070			121		2.97			4,669			60		1.29
Bank notes and other short-term borrowings		2,796			82		2.94			2,631			42		1.59
Long-term debt ^d		14,094			598		4.32			14,304			402		2.93

Total interest-bearing liabilities		65,498			1,827		2.80			62,162			1,181		1.92

Noninterest-bearing deposits		12,019								11,192
Accrued expense and other liabilities		6,088								6,126

Total liabilities		83,605								79,480

Shareholders’ equity		7,323								6,937


Total liabilities and shareholders’ equity	$	90,928							$	86,417


Interest rate spread (TE)							3.20	%							3.30	%

Net interest income (TE) and net interest margin (TE)					2,911		3.69	%					2,699		3.63	%

TE adjustment^a					121								94

Net interest income, GAAP basis				$	2,790							$	2,605


(a)		Interest income on tax-exempt securities and loans has been adjusted to a taxable-equivalent basis using the statutory federal income tax rate of 35%.

(b)		For purposes of these computations, nonaccrual loans are included in average loan balances.

(c)		Yield is calculated on the basis of amortized cost.

(d)		Rate calculation excludes basis adjustments related to fair value hedges.

TE = Taxable Equivalent

GAAP = U.S. generally accepted accounting principles

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 16

Noninterest Income
(in millions)


	Three months ended							Twelve months ended
	12-31-05		9-30-05		12-31-04			12-31-05		12-31-04
Trust and investment services income^a	$	134	$	135	$	143		$	542	$	564
Service charges on deposit accounts		76		82		77			304		331
Investment banking and capital markets income^a		82		93		77			294		255
Letter of credit and loan fees		49		46		50			182		158
Corporate-owned life insurance income		31		26		33			109		110
Electronic banking fees		26		24		23			96		85
Net gains (losses) from loan securitizations and sales		34		12		(29	)		75		16
Net securities gains (losses)		3		3		(3	)		1		4
Other income:
Operating lease income		50		47		46			191		183
Insurance income		15		16		12			52		48
Loan securitization servicing fees		5		5		1			20		5
Credit card fees		2		4		4			14		13
Miscellaneous income		54		38		45			198		157

Total other income		126		110		108			475		406

Total noninterest income	$	561	$	531	$	479		$	2,078	$	1,929


(a)		Additional detail provided in tables below.

Trust and Investment Services Income
(in millions)


	Three months ended						Twelve months ended
	12-31-05		9-30-05		12-31-04		12-31-05		12-31-04
Brokerage commissions and fee income	$	61	$	61	$	68	$	247	$	265
Personal asset management and custody fees		38		39		39		153		156
Institutional asset management and custody fees		35		35		36		142		143

Total trust and investment services income	$	134	$	135	$	143	$	542	$	564

Investment Banking and Capital Markets Income
(in millions)


	Three months ended						Twelve months ended
	12-31-05		9-30-05		12-31-04		12-31-05		12-31-04
Investment banking income	$	30	$	21	$	39	$	87	$	122
Net gains from principal investing		20		31		5		64		44
Foreign exchange income		11		11		10		40		41
Dealer trading and derivatives income		10		16		8		55		8
Income from other investments		11		14		15		48		40

Total investment banking and capital markets income	$	82	$	93	$	77	$	294	$	255

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 17

Noninterest Expense
(dollars in millions)


	Three months ended							Twelve months ended
	12-31-05		9-30-05		12-31-04			12-31-05			12-31-04
Personnel ^a	$	416	$	414	$	411		$	1,606		$	1,549
Net occupancy		68		66		60			280			236
Computer processing		57		54		50			212			191
Equipment		27		28		30			111			119
Professional fees		42		29		32			129			113
Marketing		30		29		32			118			111
Other expense:
Operating lease expense		40		40		36			158			151
Postage and delivery		14		12		13			51			52
Telecommunications		7		8		7			30			29
Franchise and business taxes		9		8		(1	)		34			16
OREO expense, net		2		2		3			8			17
Provision for losses on lending-related commitments		—		2		1			(7	)		(4	)
Miscellaneous expense		122		89		144	^b		407			381

Total other expense		194		161		203			681			642

Total noninterest expense	$	834	$	781	$	818		$	3,137		$	2,961


Average full-time equivalent employees		19,417		19,456		19,575			19,485			19,576


(a)		Additional detail provided in table below.

(b)		Includes goodwill write-off of $55 million as a result of management’s decision to sell Key’s nonprime indirect automobile loan portfolio.

Personnel Expense
(in millions)


	Three months ended						Twelve months ended
	12-31-05		9-30-05		12-31-04		12-31-05		12-31-04

Salaries	$	220	$	222	$	216	$	878	$	848
Incentive compensation		120		104		113		396		393
Employee benefits		56		67		65		263		258
Stock-based compensation		17		17		13		54		40
Severance		3		4		4		15		10

Total personnel expense	$	416	$	414	$	411	$	1,606	$	1,549

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 18

Loan Composition
(dollars in millions)


							Percent change 12-31-05 vs.
	12-31-05		9-30-05		12-31-04		9-30-05			12-31-04
Commercial, financial and agricultural	$	20,579	$	19,451	$	18,730		5.8	%		9.9	%
Commercial real estate:
Commercial mortgage		8,360		8,618		8,131		(3.0	)		2.8
Construction		7,109		6,700		5,508		6.1			29.1

Total commercial real estate loans		15,469		15,318		13,639		1.0			13.4
Commercial lease financing		10,352		10,339		10,155		.1			1.9

Total commercial loans		46,400		45,108		42,524		2.9			9.1
Real estate — residential mortgage		1,458		1,476		1,473		(1.2	)		(1.0	)
Home equity		13,488		13,872		14,062		(2.8	)		(4.1	)
Consumer — direct		1,794		1,792		1,983		.1			(9.5	)
Consumer — indirect:
Automobile lease financing		19		28		89		(32.1	)		(78.7	)
Marine		2,715		2,676		2,624		1.5			3.5
Other		604		623		617		(3.0	)		(2.1	)

Total consumer — indirect loans		3,338		3,327		3,330		.3			.2

Total consumer loans		20,078		20,467		20,848		(1.9	)		(3.7	)

Total loans	$	66,478	$	65,575	$	63,372		1.4	%		4.9	%

Loans Held for Sale Composition
(dollars in millions)


							Percent change 12-31-05 vs.
	12-31-05		9-30-05		12-31-04		9-30-05			12-31-04
Commercial, financial and agricultural	$	85		—		—		N/M			N/M
Real estate — commercial mortgage		525	$	416	$	283		26.2	%		85.5	%
Real estate — residential mortgage		11		21		26		(47.6	)		(57.7	)
Real estate — construction		51		5		—		920.0			N/M
Home equity		—		1		29		(100.0	)		(100.0	)
Education		2,687		3,123		2,278		(14.0	)		18.0
Automobile		22		29		1,737		(24.1	)		(98.7	)

Total loans held for sale	$	3,381	$	3,595	$	4,353		(6.0	)%		(22.3	)%

N/M = Not Meaningful

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 19

Summary of Loan Loss Experience
(dollars in millions)


	Three months ended									Twelve months ended
	12-31-05			9-30-05			12-31-04			12-31-05			12-31-04
Average loans outstanding during the period	$	66,105		$	64,758		$	63,381		$	64,789		$	61,107

Allowance for loan losses at beginning of period	$	1,093		$	1,100		$	1,251		$	1,138		$	1,406
Loans charged off:
Commercial, financial and agricultural		22			14			20			80			145

Real estate ^___ commercial mortgage		3			4			9			19			35
Real estate ^___ construction		—			—			—			5			5

Total commercial real estate loans		3			4			9			24			40
Commercial lease financing		140			18			18			183			52

Total commercial loans		165			36			47			287			237
Real estate ^___ residential mortgage		2			1			2			7			17
Home equity		6			7			26			26			63
Consumer ^___ direct		10			10			10			38			42
Consumer ^___ indirect lease financing		—			1			2			3			8
Consumer ^___ indirect other		4			14			86			48			216

Total consumer loans		22			33			126			122			346

		187			69			173			409			583
Recoveries:
Commercial, financial and agricultural		7			4			6			21			41

Real estate ^___ commercial mortgage		1			1			4			3			8
Real estate ^___ construction		1			—			—			3			4

Total commercial real estate loans		2			1			4			6			12
Commercial lease financing		8			7			4			35			14

Total commercial loans		17			12			14			62			67
Real estate ^___ residential mortgage		—			—			—			1			1
Home equity		1			1			2			5			6
Consumer ^___ direct		2			2			2			8			9
Consumer ^___ indirect lease financing		—			1			—			2			3
Consumer ^___ indirect other		3			4			15			16			66

Total consumer loans		6			8			19			32			85

		23			20			33			94			152

Net loans charged off		(164	)		(49	)		(140	)		(315	)		(431	)
Provision for loan losses		36			43			(21	)		143			185
Foreign currency translation adjustment		1			(1	)		—			—			—
Allowance related to loans acquired		—			—			48			—			48
Reclassification of allowance for credit losses on lending-related commitments ^a		—			—			—			—			(70	)

Allowance for loan losses at end of period	$	966		$	1,093		$	1,138		$	966		$	1,138


Net loan charge-offs to average loans		.98	%		.30	%		.88	%		.49	%		.70	%
Allowance for loan losses to period-end loans		1.45			1.67			1.80			1.45			1.80
Allowance for loan losses to nonperforming loans		348.74			303.61			369.48			348.74			369.48

(a) Included in accrued expenses and other liabilities on the consolidated balance sheet.

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 20

Changes in Allowance for Credit Losses on Lending-Related Commitments
(in millions)


	Three months ended						Twelve months ended
	12-31-05		9-30-05		12-31-04		12-31-05			12-31-04
Balance at beginning of period	$	59	$	57	$	65	$	66			—
Reclassification of allowance for credit losses		—		—		—		—		$	70
Provision for losses on lending-related commitments		—		2		1		(7	)		(4	)

Balance at end of period ^a	$	59	$	59	$	66	$	59		$	66

(a) Included in accrued expenses and other liabilities on the consolidated balance sheet.

Summary of Nonperforming Assets and Past Due Loans
(dollars in millions)


	12-31-05			9-30-05			6-30-05			3-31-05			12-31-04
Commercial, financial and agricultural	$	63		$	50		$	58		$	46		$	37

Real estate — commercial mortgage		43			33			36			41			37
Real estate — construction		2			3			3			5			20

Total commercial real estate loans		45			36			39			46			57
Commercial lease financing		39			151			73			75			84

Total commercial loans		147			237			170			167			178
Real estate — residential mortgage		41			40			38			43			39
Home equity		79			75			74			76			80
Consumer — direct		2			3			4			3			3
Consumer — indirect lease financing		1			1			1			5			1
Consumer — indirect other		7			4			5			5			7

Total consumer loans		130			123			122			132			130

Total nonperforming loans		277			360			292			299			308

Nonperforming loans held for sale		3			2			1			6			8

OREO		25			29			33			58			53
Allowance for OREO losses		(2	)		(3	)		(2	)		(4	)		(4	)

OREO, net of allowance		23			26			31			54			49

Other nonperforming assets		4			5			14			12			14

Total nonperforming assets	$	307		$	393		$	338		$	371		$	379


Accruing loans past due 90 days or more	$	90		$	94		$	74		$	79		$	122
Accruing loans past due 30 through 89 days		491			550			475			495			491
Nonperforming loans to period-end loans		.42	%		.55	%		.45	%		.47	%		.49	%
Nonperforming assets to period-end loans plus OREO and other nonperforming assets		.46			.60			.52			.58			.60

Summary of Changes in Nonperforming Loans
(in millions)


	4Q05			3Q05			2Q05			1Q05			4Q04
Balance at beginning of period	$	360		$	292		$	299		$	308		$	389
Loans placed on nonaccrual status		106			126			58			71			88
Charge-offs		(164	)		(49	)		(48	)		(54	)		(91	)
Loans sold		(2	)		(3	)		—			(5	)		(66	)
Payments		(14	)		(5	)		(13	)		(9	)		(11	)
Transfers to OREO		—			—			(4	)		(12	)		—
Loans returned to accrual status		(9	)		(1	)		—			—			(1	)

Balance at end of period	$	277		$	360		$	292		$	299		$	308

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 21

Reconciliation of Fourth Quarter 2004 Summary of Operations As Reported to Adjusted Summary of Operations
(dollars in millions, except per share amounts)


											Change 4Q05 As Reported
	4Q04						4Q04		4Q05		vs. 4Q04 Adjusted Basis
	As Reported			Adjustments		^a	Adjusted basis		As Reported		Amount			Percent
Net interest income (TE)	$	698			—		$	698	$	748	$	50			7.2	%
Noninterest income		479		$	46			525		561		36			6.9

Total revenue (TE)		1,177			46			1,223		1,309		86			7.0
Provision for loan losses		(21	)		21			—		36		36			N/M
Noninterest expense		818			(53	)		765		834		69			9.0

Income before income taxes (TE)		380			78			458		439		(19	)		(4.1	)
Income taxes and TE adjustments		167			1			168		143		(25	)		(14.9	)

Net income	$	213		$	77		$	290	$	296	$	6			2.1

Diluted earnings per common share	$	.51		$	.19		$	.70	$	.72	$	.02			2.9	%

(a)

Adjustments reflect the effects of Key’s fourth quarter 2004 sale of its broker-originated home equity loan portfolio held in the Key Home Equity Services division, and the reclassification to held-for-sale status of its indirect automobile loan portfolio. Key sold the indirect automobile loan portfolio during the first half of 2005.

TE = Includes taxable-equivalent adjustment of $30 million in 4Q05 and $26 million in 4Q04

N/M = Not Meaningful

Reconciliation of Fourth Quarter 2004 Earnings As Reported (GAAP Basis) to Adjusted Earnings
(in millions, except per share amounts)


	Pre-tax		After-tax		EPS
	Amount		Amount		Impact ^a
Fourth quarter 2004 earnings as reported (GAAP basis)	$	354	$	213	$	.51
Actions resulting in significant nonrecurring charges:
Sale of broker-originated home equity loan portfolio		9		6		.01
Write-off of goodwill (nonprime indirect automobile loan business)		55		55		.13
Reclassification of indirect automobile loan portfolio to held-for-sale status		14		16		.04

Adjusted fourth quarter 2004 earnings	$	432	$	290	$	.70


Fourth quarter 2005 earnings as reported (GAAP basis)	$	409	$	296	$	.72

(a) Earnings per share (“EPS”) components do not foot due to rounding.

GAAP = U.S. generally accepted accounting principles

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 22

Line of Business Results
(dollars in millions)

Consumer Banking


																Percent change 4Q05 vs.
	4Q05			3Q05			2Q05			1Q05			4Q04			3Q05			4Q04
Summary of operations
Total revenue (TE)	$	730		$	716		$	706		$	727		$	691			2.0	%		5.6	%
Provision for loan losses		28			29			22			48			9			(3.4	)		211.1
Noninterest expense		527			488			490			476			555			8.0			(5.0	)
Net income		109			125			122			127			59			(12.8	)		84.7
Average loans		29,260			29,139			29,303			29,397			31,886			.4			(8.2	)
Average deposits		43,158			42,359			41,567			41,063			40,925			1.9			5.5
Net loan charge-offs		31			36			32			39			118			(13.9	)		(73.7	)
Return on average allocated equity		17.61	%		20.63	%		20.23	%		20.62	%		9.13	%		N/A			N/A
Average full-time equivalent employees		9,880			9,963			10,026			10,194			10,392			(.8	)		(4.9	)

Supplementary information (lines of business)

Community Banking
Total revenue (TE)	$	567		$	567		$	555		$	544		$	572			—			(.9	)%
Provision for loan losses		24			22			18			20			21			9.1	%		14.3
Noninterest expense		427			405			388			386			404			5.4			5.7
Net income		72			88			93			86			92			(18.2	)		(21.7	)
Average loans		19,716			19,781			19,773			19,919			20,094			(.3	)		(1.9	)
Average deposits		42,489			41,670			40,920			40,475			40,365			2.0			5.3
Net loan charge-offs		26			24			21			25			23			8.3			13.0
Return on average allocated equity		18.36	%		22.77	%		24.43	%		22.80	%		23.87	%		N/A			N/A
Average full-time equivalent employees		8,513			8,546			8,448			8,548			8,728			(.4	)		(2.5	)

Consumer Finance
Total revenue (TE)	$	163		$	149		$	151		$	183		$	119			9.4	%		37.0	%
Provision for loan losses		4			7			4			28			(12	)		(42.9	)		N/M
Noninterest expense		100			83			102			90			151			20.5			(33.8	)
Net income (loss)		37			37			29			41			(33	)		—			N/M
Average loans		9,544			9,358			9,530			9,478			11,792			2.0			(19.1	)
Average deposits		669			689			647			588			560			(2.9	)		19.5
Net loan charge-offs		5			12			11			14			95			(58.3	)		(94.7	)
Return on average allocated equity		16.31	%		16.85	%		13.04	%		17.18	%		(12.66	)%		N/A			N/A
Average full-time equivalent employees		1,367			1,417			1,578			1,646			1,664			(3.5	)		(17.8	)

KeyCorp Reports Fourth Quarter and Record 2005 Earnings
January 20, 2006
Page 23

Line of Business Results (continued)
(dollars in millions)

Corporate and Investment Banking


																Percent change 4Q05 vs.
	4Q05			3Q05			2Q05			1Q05			4Q04			3Q05			4Q04
Summary of operations
Total revenue (TE)	$	577		$	543		$	523		$	488		$	515			6.3	%		12.0	%
Provision for loan losses		8			14			(2	)		(4	)		(30	)		(42.9	)		N/M
Noninterest expense		312			292			274			254			266			6.8			17.3
Net income		161			148			157			149			174			8.8			(7.5	)
Average loans		36,407			35,064			34,577			33,846			30,852			3.8			18.0
Average deposits		11,157			10,136			9,691			8,781			8,793			10.1			26.9
Net loan charge-offs		133			13			16			15			22			923.1			504.5
Return on average allocated equity		18.21	%		17.13	%		18.56	%		17.76	%		22.13	%		N/A			N/A
Average full-time equivalent employees		3,363			3,336			3,269			3,316			3,028			.8			11.1

Supplementary information (lines of business)

Corporate Banking
Total revenue (TE)	$	286		$	271		$	258		$	259		$	273			5.5	%		4.8	%
Provision for loan losses		16			9			(6	)		(5	)		(32	)		77.8			N/M
Noninterest expense		164			157			144			135			158			4.5			3.8
Net income		66			66			75			80			92			—			(28.3	)
Average loans		14,911			14,666			15,089			15,101			13,877			1.7			7.5
Average deposits		8,675			8,022			7,952			7,256			7,266			8.1			19.4
Net loan charge-offs		1			2			11			10			12			(50.0	)		(91.7	)
Return on average allocated equity		15.49	%		15.66	%		17.80	%		19.04	%		21.37	%		N/A			N/A
Average full-time equivalent employees		1,519			1,558			1,532			1,541			1,558			(2.5	)		(2.5	)

KeyBank Real Estate Capital
Total revenue (TE)	$	163		$	149		$	138		$	103		$	132			9.4	%		23.5	%
Provision for loan losses		4			2			(7	)		5			(4	)		100.0			N/M
Noninterest expense		69			64			55			46			49			7.8			40.8
Net income		57			52			56			33			54			9.6			5.6
Average loans		12,038			11,265			10,596			9,794			9,109			6.9			32.2
Average deposits		2,467			2,100			1,728			1,514			1,520			17.5			62.3
Net loan charge-offs		—			—			3			4			2			—			(100.0	)
Return on average allocated equity		21.98	%		20.71	%		23.77	%		14.16	%		24.00	%		N/A			N/A
Average full-time equivalent employees		873			812			774			758			702			7.5			24.4

Key Equipment Finance
Total revenue (TE)	$	128		$	123		$	127		$	126		$	110			4.1	%		16.4	%
Provision for loan losses		(12	)		3			11			(4	)		6			N/M			N/M
Noninterest expense		79			71			75			73			59			11.3			33.9
Net income		38			30			26			36			28			26.7			35.7
Average loans		9,458			9,133			8,892			8,951			7,866			3.6			20.2
Average deposits		15			14			11			11			7			7.1			114.3
Net loan charge-offs		132			11			2			1			8			N/M			N/M
Return on average allocated equity		19.11	%		15.66	%		13.76	%		19.36	%		21.42	%		N/A			N/A
Average full-time equivalent employees		971			966			963			1,017			768			.5			26.4

TE = Taxable Equivalent

N/A = Not Applicable

N/M = Not Meaningful

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