2003 FINANCIAL HIGHLIGHTS 29% 57% REVENUE (TE) 100% = $4,556 mm (Key) 100% = $2,351 mm (Group) NET INCOME 100% = $903 mm (Key) 100% = $425 mm (Group) Retail Banking Small Business Consumer Finance in millions Revenue Net interest income (TE) ......................$ 1,856 Noninterest income............................ 495 Total revenue (TE) ................................ 2,351 Net Income ..........................................$ 425 Average Balances Loans .................................................$ 28,905 Total assets ........................................ 31,309 Deposits............................................. 34,773 9% 17% 14% 26% 30% 65% 10% 21% 7% 14% %Key %Group TE: Taxable equivalent Amounts for all three business groups exclude “other segments,” e.g., income (losses) produced by treasury and principal invest ing activities, and “reconciling items,” e.g., costs associated with funding unallocated nonearning assets of corporate support functions; Key amounts include them. Consequently, group and line-of-business results total slightly more than 100 percent.  REVENUE (TE) 100% = $4,556 mm (Key) 100% = $1,554 mm (Group) NET INCOME 100% = $903 mm (Key) 100% = $394 mm (Group) in millions Revenue Net interest income (TE) ......................$ 1,048 Noninterest income............................ 506 Total revenue (TE) ................................ 1,554 Net Income ..........................................$ 394 Average Balances Loans .................................................$ 27,871 Total assets ........................................ 32,255 Deposits............................................. 4,414 Corporate Banking KeyBank Real Estate Capital Key Equipment Finance 6% 18% 8% 25% 20% 57% 10% 24% 16% 37% 17% 39% %Key %Group REVENUE (TE) 100% = $4,556 mm (Key) 100% = $806 mm (Group) in millions Total Trust and Brokerage Assets $135,069 Revenue Net interest income (TE) .......................$ 250 Noninterest income ............................. 556 Total revenue (TE) ................................. 806 Net Income ...........................................$ 97 Average Balances Loans ..................................................$ 5,060 Total assets........................................... 6,121 Deposits ............................................... 6,084 NET INCOME 100% = $903 mm (Key) 100% = $97 mm (Group) Key 2003 GLYPH<c5412> 7 Investment Management Services 18% 100% 11% 100% %Key %Group NEXT PAGE PREVIOUS PAGE SEARCH BACK TO CONTENTS