Facts About keybank. Who We Are



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Facts About keybank Who We Are Cleveland-based KeyCorp is one of the nation's largest bank-based financial services companies, with assets of approximately $89 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 branches and offices; a network of 1,564 ATMs; telephone banking centers 800-KEY2YOU (800-539-2968); and a website, Key.com, that provides account access and financial products 24 hours a day. Learn more about our Cleveland bank and how we can serve you today. paper Facts & Figures housedollarsign Financial Data info About Our Business HEADQUARTERS: 127 Public Square, Cleveland, Ohio 44114 ASSETS: $89 billion at June 30, 2011 NYSE SYMBOL: KEY ATMs: Network of 1,564 ATMs BRANCHES: 1,048 full service branches WEBSITE: Key.com EMAIL ADDRESS: KeyExpress@KeyBank.com TOLL-FREE BANKING NUMBER: 800-KEY2YOU (800-539-2968) EMPLOYEES: Approximately 15,349 SERVICE AREA: Community Banking in 14 states; National Banking (offices) across the U.S.

CORPORATE OFFICERS: Beth E. Mooney, Chairman and Chief Executive Officer Christopher M. Gorman, President, Key Corporate Bank Charles S. Hyle, Chief Risk Officer William R. Koehler, President, Key Community Bank Thomas C. Stevens, Vice Chair and Chief Administrative Officer Jeffrey B. Weeden, Chief Financial Officer

Select Financial Data - From Continuing Operations (dollars in millions, except per share amounts) Three months ended: 6/30/2011 Income attributable to Key common shareholders $243 Income attributable to Key common shareholders EPS $0.26 Average assets $87,736 Average loans $48,454 Average deposits $58,541 Average equity $9,741 Common shares outstanding 953,922 Performance Ratios Return on average total assets 1.23% Return on average common equity 10.51% Capital Ratios Tangible common equity to tangible assets 9.67% Tier 1 common equity1 11.14% Tier 1 risk-based capital1 13.93% Total risk-based capital1 17.88% Per Common Share Book value at period end $9.88 Tangible book value at period end $8.90 Market price at period end $8.33

KeyBank Consumer Banking KeyBank Consumer Banking provides you with branch-based deposit and investment products, personal finance services and loans, including residential mortgages, home equity and various types of installment loans. KeyBank also offers financial, estate and retirement planning, and asset management services to assist high-net-worth clients with their banking, trust and portfolio management, insurance, charitable giving and related needs. Clients enjoy award-winning customer service, and access to services through a network of 1,048 branches, 1,564 ATMs, state-of-the-art call centers, and an award-winning Internet site, key.com. KeyBank Business Banking As a business owner, your goal is to identify new opportunities and plan the strategies that will transform those opportunities into profits. KeyBank can help finance your future and turn your business plan into reality. KeyBank has the resources to help businesses access the credit needed to manage short-term and longterm business requirements. Our financial solutions can provide the cash flow you require to support import and export activities such as foreign purchases and sales. And we can partner with you to help manage employee benefits, while also making sure you have taken the right steps to safeguard against fraud. For women business owners, our unique Key4Women program allows you to be part of a nationwide network of entrepreneurial women who share your passion for business and your perspectives on success. We re dedicated to helping women take advantage of every business opportunity that can be discovered, as well as creating new ones along the way. We'll always offer fresh thinking and solutions to help you achieve business goals while balancing your personal ones. Key Private Bank Managing wealth for yourself and your family can be a highly complex process. But with the help of an educated and experienced guide, you can effectively manage your wealth while ensuring you don't miss opportunities along the way. Our approach to wealth planning follows a consistent, disciplined process guided by objective advice based on your unique situation. Led by your relationship manager, a team of specialists will spend time understanding the needs of you and your family, and provide you with tailored advice and a broad array of solutions. You'll have access to creative solutions and integrated wealth strategies to meet your needs and goals, all in an easy, convenient and accessible manner. KeyBank Commercial Banking Midsize businesses have unique needs, challenges and opportunities. Our relationship managers and specialists in Commercial Banking are uniquely positioned to advise midsize businesses to develop the best financial solutions to drive growth and profitability. Products and services include commercial lending, cash management, equipment leasing, asset-based lending, commercial auto dealer finance, investment and employee benefits programs, succession planning, and access to capital markets, derivatives and foreign exchange. Key Corporate Bank Key s Corporate Bank includes those business units that operate from offices within and outside of Key s 14-state branch network. Its reach extends across the U.S. and to more than 30 countries. Corporate

Banking includes: KeyBank Real Estate Capital and Corporate Banking Services, KeyBanc Capital Markets, Key Equipment Finance, and Victory Capital Management. KeyBank Real Estate Capital is a leading provider of commercial real estate finance. Its professionals, located in select markets across the country, provide construction and interim finance, permanent mortgages, commercial real estate loan servicing, and cash management services for virtually all property types. As a Fannie Mae Delegated Underwriter and Servicer, Freddie Mac Program Plus Seller/Servicer and FHA approved mortgagee, KeyBank Real Estate Capital offers a variety of agency financing solutions for multi-family properties,including seniors housing and student housing. KeyBank Real Estate Capital is also one of the nation s largest and highest rated commercial mortgage servicers. Corporate Banking Services provides treasury management, interest rate and commodity derivatives, and international and foreign exchange services to clients throughout KeyBank. Corporate Banking Services also provides a full array of commercial banking products and services to government, college, university or private K-12 schools, non-profit entities and to community banks. KeyBanc Capital Markets provides a complete suite of corporate and investment banking services to clients. Investment banking services include mergers and acquisition advisory, equity and debt underwriting, syndicated finance products, research and trading. KeyBanc Capital Markets focuses primarily on emerging and middle-market companies in the Industrial, Consumer & Retail, Real Estate, Energy, and Healthcare sectors. Clients benefit from our deep expertise across our focus industries and our access to partners in private equity and debt capital markets, which allow us to deliver a full range of financing options to our clients. Key Equipment Finance is one of the largest bank-based equipment finance providers in the U.S. The group provides tailored equipment lease and finance solutions for small-to-large commercial and government clients of Key s Community and Corporate Banks. Through its vendor services unit, equipment finance programs are developed for manufacturers, distributors and resellers in the U.S., Canada and Europe. The unit specializes in the technology, healthcare, renewable energy and aviation markets as well as other capital assets. Additionally, Equipment Finance utilizes a specialized syndication unit to assist in optimizing risk and revenue. Victory Capital Management is an investment advisory firm that manages or advises approximately $36 billion in investment portfolios for both institutional and retail clients. Victory s institutional client base is derived from four primary channels: public plans, Taft-Hartley plans, corporations, and endowments and foundations. The firm also manages more than 20 proprietary mutual funds for both the retirement and retail channels, which are distributed through external wirehouses and broker-dealers. NOTE: Institutional Asset Services: When it comes to entrusting organizational assets to the custody of a third-party, past experience can often be the best guide to future performance. For over 100 years, KeyBank has provided trust, custody and administrative services for individuals, companies, organized labor, government agencies and non-profit organizations. As your single point of contact, our Relationship Managers will listen to your specific administrative, asset custody, or investment goals before delivering solutions tailored to your requirements.