Actual

To Meet Minimum
Capital Adequacy
Requirements

To Qualify as Well Capitalized
Under Federal Deposit
Insurance Act

dollars in millions

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2011

TOTAL CAPITAL TO NET RISK-WEIGHTED ASSETS

Key

$

12,748

16.51

%

$

6,177

8.00

%

N/A

KeyBank

11,656

15.98

5,822

8.00

$

7,278

10.00

%

TIER 1 CAPITAL TO NET RISK-WEIGHTED ASSETS

Key

$

10,034

12.99

%

$

3,089

4.00

%

N/A

KeyBank

8,997

12.35

2,911

4.00

$

4,367

6.00

%

TIER 1 CAPITAL TO AVERAGE QUARTERLY TANGIBLE ASSETS

Key

$

10,034

11.79

%

$

2,554

3.00

%

N/A

KeyBank

8,997

10.87

3,306

4.00

$

4,133

5.00

%

December 31, 2010

TOTAL CAPITAL TO NET RISK-WEIGHTED ASSETS

Key

$

14,901

19.12

%

$

6,234

8.00

%

N/A

KeyBank

12,190

16.48

5,910

8.00

$

7,387

10.00

%

TIER 1 CAPITAL TO NET RISK-WEIGHTED ASSETS

Key

$

11,809

15.16

%

$

3,117

4.00

%

N/A

KeyBank

9,150

12.38

2,955

4.00

$

4,432

6.00

%

TIER 1 CAPITAL TO AVERAGE QUARTERLY TANGIBLE ASSETS

Key

$

11,809

13.02

%

$

2,721

3.00

%

N/A

KeyBank

9,150

10.34

3,536

4.00

$

4,420

5.00

%