7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-06-30 2016-03-31 2015-12-31 2015-09-30 2015-06-30 2015-03-31 2014-12-31 2014-09-30 2014-06-30 2014-03-31 2013-12-31 2013-09-30 2012-09-30 2010-12-31 2010-09-30 2010-06-30 2010-03-31 
      
    		                                                    
      operating activities
    		                                                    
      net income
    		489,000,000 425,000,000 405,000,000 -244,000,000 -410,000,000 274,000,000 219,000,000 65,000,000 303,000,000 287,000,000 312,000,000 394,000,000 542,000,000 533,000,000 448,000,000 629,000,000 645,000,000 729,000,000 622,000,000 582,000,000 428,000,000 187,000,000 146,000,000 469,000,000 416,000,000 425,000,000 407,000,000 484,000,000 482,000,000 482,000,000 418,000,000 197,000,000 364,000,000 412,000,000 325,000,000 201,000,000 188,000,000 229,000,000 217,000,000 239,000,000 235,000,000 254,000,000 186,000,000 225,000,000 242,000,000 230,000,000 271,000,000 221,000,000 323,000,000 226,000,000 74,000,000 -39,000,000 
      adjustments to reconcile net income to net cash from operating activities:
    		                                                    
      benefit from credit losses
    		107,000,000 138,000,000 118,000,000 39,000,000 95,000,000 100,000,000 101,000,000 102,000,000 81,000,000 167,000,000 139,000,000 265,000,000 109,000,000 45,000,000 83,000,000 4,000,000 -107,000,000 -222,000,000 -93,000,000 20,000,000 160,000,000 482,000,000 359,000,000 109,000,000 200,000,000 74,000,000 62,000,000 59,000,000 62,000,000 64,000,000 61,000,000 49,000,000 51,000,000 66,000,000 63,000,000 52,000,000 89,000,000 45,000,000 45,000,000 41,000,000 35,000,000            
      depreciation, amortization, and accretion
    		7,000,000 8,000,000 3,000,000 5,000,000 19,000,000 25,000,000 24,000,000                                              
      increase in cash surrender value of corporate-owned life insurance
    		-31,000,000 -30,000,000 -29,000,000 -32,000,000 -29,000,000 -29,000,000 -28,000,000 -30,000,000 -28,000,000 -26,000,000 -26,000,000 -30,000,000 -29,000,000 -27,000,000 -27,000,000 -31,000,000 -28,000,000 -27,000,000 -27,000,000 -33,000,000               -28,000,000 -24,000,000 -25,000,000 -33,000,000 -25,000,000 -25,000,000 -25,000,000 -33,000,000 -25,000,000 -24,000,000 -24,000,000        
      stock-based compensation expense
    		36,000,000 33,000,000 30,000,000 28,000,000 23,000,000 27,000,000 26,000,000 31,000,000 27,000,000 29,000,000 34,000,000 31,000,000 30,000,000 30,000,000 29,000,000 26,000,000 26,000,000 26,000,000 26,000,000 26,000,000 24,000,000 26,000,000 25,000,000 24,000,000 24,000,000 23,000,000 25,000,000 21,000,000 25,000,000 26,000,000 27,000,000 26,000,000 23,000,000 24,000,000 27,000,000 17,000,000 19,000,000 11,000,000 14,000,000 20,000,000 13,000,000 13,000,000 10,000,000 10,000,000 11,000,000 8,000,000 8,000,000      
      deferred income taxes
    		-31,000,000 -14,000,000 30,000,000 -213,000,000 -78,000,000 -63,000,000 3,000,000 -72,000,000 -65,000,000 -46,000,000 75,000,000 -65,000,000 -61,000,000 -25,000,000 124,000,000 20,000,000 -70,000,000 88,000,000 108,000,000 26,000,000    -28,000,000 13,000,000 -31,000,000 99,000,000 -5,000,000 86,000,000 -5,000,000 22,000,000 169,000,000 -78,000,000 75,000,000 137,000,000 -23,000,000 50,000,000 -6,000,000 -43,000,000 -77,000,000 50,000,000 34,000,000 -38,000,000 -31,000,000 40,000,000 33,000,000 -40,000,000 -2,000,000 64,000,000 82,000,000 43,000,000 -109,000,000 
      proceeds from sales of loans held for sale
    		2,989,000,000 2,042,000,000 1,725,000,000 3,075,000,000 1,924,000,000 1,255,000,000 1,920,000,000 2,131,000,000 3,375,000,000 1,819,000,000 1,534,000,000 3,159,000,000 2,482,000,000 2,538,000,000 4,317,000,000 4,832,000,000 3,653,000,000 4,272,000,000 3,357,000,000 3,997,000,000 3,642,000,000 3,750,000,000 2,687,000,000 3,877,000,000 3,658,000,000 2,400,000,000 2,045,000,000 5,785,000,000 2,531,000,000 2,955,000,000 2,748,000,000 3,854,000,000 3,228,000,000 2,547,000,000 2,334,000,000 1,830,000,000 1,110,000,000 1,971,000,000 1,636,000,000 2,501,000,000 1,225,000,000 2,554,000,000 1,262,000,000 959,000,000 611,000,000 1,784,000,000 1,208,000,000      
      originations of loans held for sale, net of repayments
    		-3,429,000,000 -1,804,000,000 -1,702,000,000 -2,779,000,000 -2,444,000,000 -1,525,000,000 -1,742,000,000 -1,878,000,000 -3,007,000,000 -1,770,000,000 -1,779,000,000 -3,087,000,000 -2,183,000,000 -2,703,000,000 -2,711,000,000 -5,679,000,000 -3,324,000,000 -3,557,000,000 -3,937,000,000 -3,816,000,000               -2,562,000,000 -1,538,000,000 -1,153,000,000 -1,644,000,000 -1,672,000,000 -1,647,000,000 -2,109,000,000 -2,464,000,000 -1,592,000,000 -976,000,000 -383,000,000 -1,661,000,000 -1,463,000,000      
      net incomees (gains) on sales of loans held for sale
    		-33,000,000 -30,000,000 -30,000,000  -35,000,000 -21,000,000 -28,000,000  -62,000,000 -22,000,000 -15,000,000  -35,000,000 -33,000,000 -48,000,000  -72,000,000 -65,000,000 -55,000,000                -35,000,000 -29,000,000 -2,000,000  -20,000,000 -35,000,000 -20,000,000  -19,000,000 -25,000,000 -15,000,000  -27,000,000      
      net incomees (gains) on leased equipment
    		  4,000,000 -1,000,000 0 -2,000,000 -6,000,000 -3,000,000 -3,000,000 -2,000,000 -1,000,000 1,000,000 7,000,000 0 -1,000,000 -3,000,000 -3,000,000   -4,000,000   6,000,000    2,000,000    3,000,000 1,000,000   -2,000,000    1,000,000 -6,000,000 -3,000,000 0 -1,000,000 -20,000,000 -14,000,000 -7,000,000       
      net securities and other investments losses
    		   908,000,000 935,000,000 10,000,000 3,000,000 4,000,000                                             
      net incomees (gains) on sales of fixed assets
    		   -3,000,000 -1,000,000   7,000,000 -2,000,000 1,000,000 12,000,000 -2,000,000 -1,000,000 2,000,000 -6,000,000 5,000,000 6,000,000   2,000,000 0 1,000,000 2,000,000     1,000,000 4,000,000   8,000,000 2,000,000 2,000,000 12,000,000 2,000,000 1,000,000 2,000,000 4,000,000   2,000,000 4,000,000   3,000,000 1,000,000      
      net change in:
    		                                                    
      trading account assets
    		402,000,000 -78,000,000 -13,000,000 121,000,000 -185,000,000 -48,000,000 -29,000,000                                              
      accrued income and other assets
    		-172,000,000 284,000,000 -189,000,000 -494,000,000 188,000,000 -251,000,000 287,000,000                          0                    
      accrued expense and other liabilities
    		39,000,000 59,000,000 -792,000,000 708,000,000 -194,000,000 -182,000,000 -404,000,000             0 0 0 75,000,000          0                    
      other operating activities
    		17,000,000 205,000,000 300,000,000 645,000,000 -1,013,000,000 216,000,000 13,000,000 500,000,000 56,000,000 156,000,000 681,000,000 691,000,000 1,438,000,000 -522,000,000 -1,225,000,000 152,000,000 175,000,000 -792,000,000 -150,000,000 208,000,000    308,000,000 43,000,000          -762,000,000 11,000,000 9,000,000 237,000,000 121,000,000 -24,000,000 -485,000,000 262,000,000 377,000,000 0 -236,000,000 291,000,000 289,000,000 79,000,000 -93,000,000 -127,000,000 374,000,000 355,000,000 
      net cash from operating activities
    		396,000,000 1,234,000,000 -140,000,000 1,727,000,000 -1,205,000,000 -217,000,000 359,000,000 1,037,000,000 566,000,000 582,000,000 718,000,000 1,585,000,000 2,081,000,000 -78,000,000 881,000,000 -10,000,000 915,000,000 453,000,000 -205,000,000 946,000,000 622,000,000   1,007,000,000 1,179,000,000 164,000,000 556,000,000 1,712,000,000 386,000,000   736,000,000   -405,000,000 351,000,000 373,000,000 882,000,000 190,000,000 1,161,000,000 -1,102,000,000 855,000,000 202,000,000 107,000,000 156,000,000 559,000,000 74,000,000 421,000,000 755,000,000 416,000,000 710,000,000 843,000,000 
      investing activities
    		                                                    
      net decrease (increase) in short-term investments, excluding acquisitions
    		-1,770,000,000 3,785,000,000 2,155,000,000 5,292,000,000 -7,260,000,000 -2,331,000,000 -2,388,000,000 -2,946,000,000 1,088,000,000 -549,000,000 -5,978,000,000 2,464,000,000 -2,440,000,000 1,425,000,000 7,129,000,000 8,598,000,000 852,000,000 -5,084,000,000 818,000,000 -2,046,000,000      68,000,000 51,000,000 -290,000,000 374,000,000 -1,002,000,000 2,803,000,000   3,000,000 250,000,000 -1,163,000,000 -2,729,000,000 -743,000,000 1,258,000,000 156,000,000 891,000,000 -1,927,000,000           
      purchases of securities available for sale
    		-1,098,000,000 -1,449,000,000 -3,970,000,000 -8,516,000,000 -8,916,000,000 -2,181,000,000 -1,465,000,000 -982,000,000 -889,000,000 -89,000,000 -200,000,000 -44,000,000 -460,000,000 -1,454,000,000 -2,515,000,000 -8,464,000,000 -7,748,000,000 -2,124,000,000 -9,854,000,000 -6,037,000,000               -195,000,000 -1,004,000,000 -610,000,000 -776,000,000 -863,000,000 -2,048,000,000 -403,000,000 -1,804,000,000 -818,000,000 -557,000,000 -618,000,000 -594,000,000 -598,000,000 -222,000,000 -2,921,000,000 -2,540,000,000 -3,835,000,000 -618,000,000 
      proceeds from sales of securities available for sale
    		   2,034,000,000 13,760,000,000 1,501,000,000 637,000,000 352,000,000 889,000,000           0 0 0 583,000,000 338,000,000        1,000,000 -1,000,000 3,000,000 912,000,000   8,000,000 0       6,000,000 2,000,000  81,000,000 29,000,000 9,000,000 23,000,000 
      proceeds from prepayments and maturities of securities available for sale
    		1,720,000,000 1,747,000,000 1,509,000,000 1,000,000,000 644,000,000 599,000,000 515,000,000 874,000,000 1,179,000,000 609,000,000 563,000,000 771,000,000 977,000,000 1,263,000,000 1,534,000,000 1,799,000,000 1,538,000,000 1,633,000,000 2,653,000,000 5,281,000,000 1,709,000,000 1,757,000,000 1,176,000,000 1,191,000,000 938,000,000 802,000,000 655,000,000 741,000,000 816,000,000 807,000,000 833,000,000 961,000,000 1,002,000,000 975,000,000 1,061,000,000 843,000,000 722,000,000 741,000,000 810,000,000 823,000,000 724,000,000 737,000,000 741,000,000 732,000,000 650,000,000 745,000,000 1,113,000,000 1,426,000,000 1,767,000,000 1,242,000,000 890,000,000 786,000,000 
      proceeds from prepayments and maturities of held-to-maturity securities
    		275,000,000 248,000,000 236,000,000 309,000,000 267,000,000 308,000,000 306,000,000 297,000,000 338,000,000 375,000,000 333,000,000 400,000,000 570,000,000 648,000,000 673,000,000 885,000,000 577,000,000 684,000,000 743,000,000 791,000,000 704,000,000 564,000,000 434,000,000 423,000,000 402,000,000 357,000,000 295,000,000 352,000,000 409,000,000 399,000,000 398,000,000 447,000,000 460,000,000 434,000,000 456,000,000 335,000,000 251,000,000 256,000,000 280,000,000 300,000,000 266,000,000 222,000,000 237,000,000 211,000,000 180,000,000 180,000,000 233,000,000 199,000,000 1,000,000 1,000,000 2,000,000 2,000,000 
      purchases of held-to-maturity securities
    		       -15,000,000 0 0 -1,179,000,000 -943,000,000 -763,000,000 -1,960,000,000 -4,000,000 0 0   0               -411,000,000 -165,000,000 -358,000,000 -218,000,000 -195,000,000 -318,000,000 -257,000,000 -240,000,000 0 -619,000,000 -250,000,000 -100,000,000 -319,000,000 0 0 0   
      net decrease (increase) in other investments
    		136,000,000 -9,000,000 -7,000,000 72,000,000 145,000,000 -11,000,000 -4,000,000                                              
      net decrease (increase) in loans, excluding acquisitions, sales and transfers
    		344,000,000 -1,615,000,000 -679,000,000  1,555,000,000 2,794,000,000 2,613,000,000  3,485,000,000 916,000,000 -613,000,000  -3,863,000,000 -5,787,000,000 -4,793,000,000  -1,120,000,000 371,000,000 204,000,000                -255,000,000 -1,766,000,000 -663,000,000 110,000,000 -1,933,000,000 -401,000,000 -727,000,000 -1,360,000,000 -667,000,000 -240,000,000 -1,029,000,000 -922,000,000 -626,000,000 -1,009,000,000 743,000,000 1,225,000,000 1,774,000,000 2,108,000,000 
      proceeds from sales of portfolio loans
    		56,000,000 30,000,000 36,000,000 38,000,000 60,000,000 -55,000,000 151,000,000 34,000,000 28,000,000 64,000,000 25,000,000 32,000,000 44,000,000 32,000,000 49,000,000 580,000,000 -80,000,000 -65,000,000 -98,000,000 71,000,000 49,000,000 37,000,000 54,000,000 154,000,000 99,000,000 85,000,000 61,000,000 61,000,000 44,000,000 61,000,000 38,000,000 54,000,000 52,000,000 40,000,000 37,000,000 32,000,000 40,000,000 21,000,000 22,000,000 20,000,000 47,000,000 29,000,000 24,000,000 46,000,000 21,000,000 35,000,000 73,000,000      
      proceeds from corporate-owned life insurance
    		26,000,000 11,000,000 19,000,000 17,000,000 32,000,000 38,000,000 20,000,000 28,000,000 25,000,000 21,000,000 22,000,000 12,000,000 21,000,000 25,000,000 14,000,000 16,000,000 20,000,000 19,000,000 17,000,000 20,000,000 6,000,000 21,000,000 19,000,000 18,000,000 14,000,000 11,000,000 16,000,000 18,000,000 19,000,000 23,000,000 18,000,000 15,000,000 15,000,000 16,000,000 9,000,000 13,000,000 9,000,000 8,000,000 12,000,000 11,000,000 15,000,000 11,000,000 6,000,000 12,000,000 6,000,000        
      purchases of premises, equipment, and software
    		-29,000,000 -23,000,000 -10,000,000 -23,000,000 -17,000,000 -13,000,000 -12,000,000 -43,000,000 -25,000,000 -50,000,000 -24,000,000 -35,000,000 -19,000,000 -24,000,000 -18,000,000 -35,000,000 1,000,000 -20,000,000 -12,000,000 -18,000,000               -2,000,000 -22,000,000 -8,000,000 -35,000,000 -23,000,000 -14,000,000 -3,000,000 -44,000,000 -23,000,000 -19,000,000 -11,000,000        
      proceeds from sales of premises and equipment
    		0   12,000,000 2,000,000 9,000,000 1,000,000 0 3,000,000 1,000,000 1,000,000 3,000,000 2,000,000 4,000,000 7,000,000         1,000,000 16,000,000 0 1,000,000 1,000,000 0 0 1,000,000       0    0 0 0 1,000,000 0 0 0 2,000,000 0 0 1,000,000 
      net cash from investing activities
    		-1,203,000,000 2,728,000,000 -711,000,000 1,193,000,000 272,000,000 658,000,000 374,000,000 592,000,000 6,240,000,000 1,921,000,000 -7,336,000,000 -583,000,000 -6,174,000,000 -6,151,000,000 1,974,000,000 1,001,000,000 -5,955,000,000 -4,584,000,000 -5,530,000,000 -178,000,000          -708,000,000 749,000,000   -655,000,000 1,923,000,000 -2,845,000,000 -3,337,000,000 -586,000,000 -602,000,000 -1,417,000,000 582,000,000 -4,311,000,000 413,000,000 -648,000,000 1,730,000,000 -2,778,000,000 180,000,000 1,285,000,000 421,000,000 255,000,000 1,498,000,000 -200,000,000 
      financing activities
    		                                                    
      net increase in deposits
    		3,860,000,000 -3,832,000,000 977,000,000 -593,000,000 4,633,000,000 1,489,000,000 -1,356,000,000  -841,000,000 984,000,000 1,553,000,000                                      -808,000,000 -957,000,000 -2,774,000,000 -422,000,000 
      net increase in short-term borrowings
    		-1,425,000,000 424,000,000 206,000,000 -259,000,000 -2,914,000,000 2,394,000,000 -168,000,000 -422,000,000 -5,138,000,000 -2,784,000,000 1,972,000,000 663,000,000 2,757,000,000 3,222,000,000 2,060,000,000 -234,000,000 61,000,000 -91,000,000 46,000,000 -52,000,000 -952,000,000 -5,067,000,000 5,958,000,000 210,000,000 1,000,000 -64,000,000 82,000,000 -1,059,000,000 -384,000,000 557,000,000 738,000,000   1,319,000,000 -925,000,000 58,000,000 84,000,000 -179,000,000 112,000,000 -153,000,000 127,000,000 -655,000,000 -81,000,000 -147,000,000 4,000,000 -44,000,000 -23,000,000 56,000,000 -282,000,000 -177,000,000 1,282,000,000 291,000,000 
      net proceeds from issuance of long-term debt
    		73,000,000 578,000,000 833,000,000 81,000,000 215,000,000 0 1,350,000,000 0 0 750,000,000 4,490,000,000 995,000,000 3,500,000,000 8,100,000,000 4,001,000,000 0 3,000,000   1,105,000,000 1,000,000 4,000,000 2,497,000,000 16,000,000 762,000,000 0 1,351,000,000 504,000,000 44,000,000 1,257,000,000 501,000,000 2,000,000 1,900,000,000   602,000,000 976,000,000 -298,000,000 1,304,000,000 1,750,000,000 1,000,000,000 1,079,000,000 40,000,000 530,000,000 78,000,000 1,560,000,000 5,000,000 16,000,000 21,000,000 758,000,000 9,000,000 9,000,000 
      payments on long-term debt
    		-1,267,000,000 -1,013,000,000 -701,000,000 -3,408,000,000 -1,633,000,000 -4,015,000,000 -1,000,000 -2,100,000,000 -500,000,000 -1,251,000,000 -1,201,000,000 -3,000,000 -1,496,000,000 -2,092,000,000 -4,989,000,000 -1,045,000,000 -3,000,000 -514,000,000 -1,004,000,000 1,000,000               -10,000,000 -11,000,000 -498,000,000 410,000,000 -1,441,000,000 -12,000,000 -129,000,000 -321,000,000 -1,008,000,000 -16,000,000 -10,000,000 -5,000,000 -507,000,000 -1,362,000,000 -606,000,000 -17,000,000 -707,000,000 -327,000,000 
      employee equity compensation program common share repurchases
    		0 0 -35,000,000 -1,000,000 -1,000,000 0 -26,000,000 0 0 0 -34,000,000 0 0 0 -44,000,000 0 0 -1,000,000 -31,000,000 0               -53,000,000                  
      net proceeds from reissuance of common shares
    		2,000,000 1,000,000 2,000,000 5,000,000 2,000,000 0 3,000,000 0 0 0 1,000,000 1,000,000 0 0 5,000,000 6,000,000 1,000,000 8,000,000 12,000,000 1,000,000 1,000,000 1,000,000 5,000,000 11,000,000 2,000,000 2,000,000 3,000,000 1,000,000 5,000,000 4,000,000 10,000,000 -4,000,000 4,000,000 3,000,000 22,000,000 2,000,000 1,000,000 3,000,000 2,000,000 8,000,000 9,000,000 4,000,000    4,000,000  1,000,000     
      net proceeds from scotiabank investment
    		   1,960,000,000                                                 
      cash dividends paid
    		-264,000,000 -263,000,000 -265,000,000 -238,000,000 -230,000,000 -230,000,000 -229,000,000 -228,000,000 -227,000,000 -228,000,000 -228,000,000 -228,000,000 -209,000,000 -209,000,000 -208,000,000 -209,000,000 -201,000,000 -206,000,000 -207,000,000 -207,000,000               -118,000,000 -78,000,000 -68,000,000 -68,000,000 -69,000,000 -69,000,000 -61,000,000 -62,000,000 -61,000,000 -62,000,000 -55,000,000 -55,000,000 -55,000,000 -52,000,000 -46,000,000 -46,000,000 -46,000,000 -46,000,000 
      net cash from financing activities
    		979,000,000 -4,105,000,000 1,017,000,000 -2,453,000,000 883,000,000 -362,000,000 -427,000,000 -1,454,000,000 -6,798,000,000 -2,529,000,000 6,515,000,000 -832,000,000 4,132,000,000 6,223,000,000 -3,084,000,000 -841,000,000 5,011,000,000 3,985,000,000 5,582,000,000 -633,000,000 -926,000,000 14,938,000,000 10,028,000,000 -1,951,000,000 1,335,000,000 1,771,000,000 911,000,000 -254,000,000       -1,646,000,000 2,516,000,000 2,831,000,000 -159,000,000 189,000,000 443,000,000 373,000,000 3,458,000,000 -568,000,000 736,000,000 -2,094,000,000 2,088,000,000 -202,000,000 -1,449,000,000 -1,721,000,000 -439,000,000 -2,236,000,000 -495,000,000 
      net increase in cash and due from banks
    		172,000,000 -143,000,000 166,000,000 467,000,000 -50,000,000 79,000,000 306,000,000 175,000,000 8,000,000 -26,000,000 -103,000,000 170,000,000 39,000,000 -6,000,000 -229,000,000 150,000,000 -29,000,000 -146,000,000 -153,000,000 135,000,000 -103,000,000 194,000,000 133,000,000            -128,000,000 22,000,000 -133,000,000 137,000,000 -223,000,000 187,000,000 -147,000,000 2,000,000 47,000,000 195,000,000 -208,000,000 -131,000,000 52,000,000 257,000,000 -545,000,000 232,000,000 -28,000,000 148,000,000 
      cash and due from banks at beginning of period
    		0 0 1,743,000,000  0 0 941,000,000  0 0 887,000,000  0 0 913,000,000  0 0 1,091,000,000  0 0 732,000,000  0 0 678,000,000  0 0 671,000,000  0 0 677,000,000 0 607,000,000  0 0 653,000,000  0 0 617,000,000  0 0  0 0 471,000,000 
      cash and due from banks at end of period
    		172,000,000 -143,000,000 1,909,000,000  -50,000,000 79,000,000 1,247,000,000  8,000,000 -26,000,000 784,000,000  39,000,000 -6,000,000 684,000,000  -29,000,000 -146,000,000 938,000,000  -103,000,000 194,000,000 865,000,000  29,000,000 -4,000,000 611,000,000  -465,000,000 141,000,000 643,000,000  -39,000,000 52,000,000 549,000,000 22,000,000 474,000,000  -223,000,000 187,000,000 506,000,000  47,000,000 195,000,000 409,000,000  52,000,000 257,000,000  232,000,000 -28,000,000 619,000,000 
      additional disclosures relative to cash flows:
    		                                                    
      interest paid
    		927,000,000 974,000,000 938,000,000 1,048,000,000 1,103,000,000 1,019,000,000 990,000,000 972,000,000 777,000,000 934,000,000 426,000,000 324,000,000 108,000,000 111,000,000 58,000,000 109,000,000 54,000,000 120,000,000 80,000,000 130,000,000 136,000,000 198,000,000 267,000,000 301,000,000 331,000,000 314,000,000 305,000,000 260,000,000 243,000,000 190,000,000 199,000,000 156,000,000 161,000,000 130,000,000 151,000,000 82,000,000 108,000,000 108,000,000 93,000,000 39,000,000 89,000,000 31,000,000 117,000,000 30,000,000 103,000,000 22,000,000 112,000,000 53,000,000 199,000,000 152,000,000 242,000,000 286,000,000 
      income taxes paid
    		24,000,000 5,000,000 -1,000,000 -1,000,000 11,000,000 38,000,000 20,000,000 1,000,000 15,000,000 94,000,000 46,000,000 132,000,000 29,000,000 112,000,000 19,000,000 65,000,000 21,000,000 148,000,000 43,000,000 66,000,000 116,000,000 24,000,000 35,000,000    34,000,000 -10,000,000 8,000,000 5,000,000 9,000,000 3,000,000 -57,000,000 71,000,000 -11,000,000 46,000,000 13,000,000 108,000,000 83,000,000 71,000,000 19,000,000 22,000,000 27,000,000 72,000,000 10,000,000 71,000,000 52,000,000 13,000,000 -5,000,000 -2,000,000 -3,000,000 -154,000,000 
      noncash items:
    		                                                    
      reduction of secured borrowing and related collateral
    		0 0 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 2,000,000 1,000,000 2,000,000 2,000,000 3,000,000 2,000,000 2,000,000 2,000,000 5,000,000 0 2,000,000 2,000,000 2,000,000 2,000,000 1,000,000 2,000,000 1,000,000 1,000,000 1,000,000 2,000,000 3,000,000 8,000,000 7,000,000 7,000,000 12,000,000 8,000,000 13,000,000 12,000,000 21,000,000 28,000,000 29,000,000 31,000,000 72,000,000 74,000,000 46,000,000          
      loans transferred to portfolio from held for sale
    		0   1,000,000 16,000,000 2,000,000 105,000,000 31,000,000 94,000,000 66,000,000 17,000,000 48,000,000 0   1,000,000 0 78,000,000 8,000,000 43,000,000 7,000,000 15,000,000 10,000,000 152,000,000 0 0 5,000,000 3,000,000 0 7,000,000 14,000,000 12,000,000 74,000,000 11,000,000 8,000,000   0    9,000,000 0 8,000,000 2,000,000 7,000,000 0 0     
      loans transferred to held for sale from portfolio
    		0 0 6,000,000 0    0 0 15,000,000 4,000,000     0 3,306,000,000 6,000,000 91,000,000 18,000,000 82,000,000 0 210,000,000 178,000,000 238,000,000   -40,000,000    1,000,000 12,000,000 4,000,000 25,000,000   22,000,000 25,000,000 6,000,000 10,000,000 11,000,000 0 0 5,000,000 8,000,000 15,000,000 0 37,000,000 162,000,000 81,000,000 127,000,000 
      loans transferred to oreo
    		1,000,000 0 2,000,000  1,000,000 1,000,000 2,000,000  3,000,000 1,000,000 3,000,000  2,000,000 2,000,000 1,000,000  1,000,000 0 2,000,000  1,000,000 1,000,000 92,000,000  6,000,000 7,000,000 9,000,000  10,000,000 5,000,000 4,000,000  10,000,000 8,000,000 11,000,000 6,000,000 4,000,000  4,000,000              
      abs risk retentions
    		   -1,000,000 0   0 0 -1,000,000 8,000,000 -1,000,000 0 -1,000,000 10,000,000 -2,000,000 -1,000,000 -3,000,000 17,000,000 -3,000,000 13,000,000 -2,000,000 11,000,000 0                             
      standard
    		                                                    
      asu 2023-09 income taxes
    		                                                    
      net incomees (gains) from sale of loans held for sale
    		                                                    
      purchases of intangible assets via acquisitions
    		                                                    
      cash received (used) in acquisitions, net of cash acquired
    		           0 0   -20,000,000 0                         -1,000,000    -216,000,000 244,000,000      
      net decrease (increase) in loans, excluding acquisitions, sales, and transfers
    		                                                    
      repurchases of long-term debt
    		       0                                             
      issuance of preferred shares
    		           0            0 0   0                         
      open market common share repurchases
    		       0 0 0 -38,000,000     0 -124,000,000 -300,000,000 -135,000,000                -107,000,000                  
      cash and due from banks at beginning of year
    		                                                    
      cash and due from banks at end of year
    		                                                    
      loans transferred to other real estate owned
    		                                        7,000,000 7,000,000 7,000,000 6,000,000 3,000,000 5,000,000 2,000,000 11,000,000 15,000,000 96,000,000 72,000,000 27,000,000 
      cmbs risk retentions
    		          52,000,000 0 6,000,000       -1,000,000 14,000,000 15,000,000 12,000,000 42,000,000 8,000,000 0 9,000,000                          
      asu 2022-03, fair value measurement - fair value measurement of equity securities subject to contractual sale restrictions
    		                                                    
      asu 2023-07 segment reporting
    		                                                    
      depreciation and amortization expense
    		       28,000,000 35,000,000 35,000,000 36,000,000 37,000,000 26,000,000 34,000,000 40,000,000 -48,000,000 59,000,000 4,000,000 17,000,000 -1,000,000 26,000,000 32,000,000 54,000,000 58,000,000 62,000,000 63,000,000 58,000,000 92,000,000 95,000,000 92,000,000 103,000,000 106,000,000 103,000,000 98,000,000 100,000,000              76,000,000 81,000,000 85,000,000 88,000,000 
      accretion of acquired loans
    		       5,000,000 4,000,000 6,000,000 5,000,000 5,000,000 6,000,000 11,000,000 5,000,000 5,000,000 6,000,000 7,000,000 6,000,000 5,000,000 5,000,000 8,000,000 10,000,000 11,000,000 11,000,000 11,000,000 17,000,000 17,000,000 47,000,000 -5,000,000 27,000,000 32,000,000 38,000,000 90,000,000 43,000,000                  
      net decrease (increase) in trading account assets
    		       183,000,000 -148,000,000 -59,000,000 -289,000,000 239,000,000 -259,000,000 39,000,000 -147,000,000 201,000,000 -51,000,000 -40,000,000 -76,000,000 -2,000,000 -88,000,000 150,000,000 245,000,000       -64,000,000 67,000,000 -53,000,000   -54,000,000 -200,000,000 23,000,000 23,000,000 -137,000,000 115,000,000 -39,000,000 215,000,000 -75,000,000 -50,000,000 -102,000,000 68,000,000 -214,000,000 17,000,000 170,000,000 -141,000,000 20,000,000 175,000,000 
      net transfer of loans held for sale
    		                                                    
      purchases of other investments
    		       -26,000,000 -40,000,000 -40,000,000 -493,000,000 -47,000,000 -251,000,000 -258,000,000 -111,000,000 -29,000,000 -7,000,000   -24,000,000               -2,000,000 -6,000,000 -18,000,000 -8,000,000 -4,000,000 -7,000,000 -13,000,000 -7,000,000 -16,000,000 -9,000,000 -17,000,000 -16,000,000 -10,000,000 -9,000,000 -84,000,000 -46,000,000 -25,000,000 -35,000,000 
      proceeds from sales of other investments
    		       135,000,000 157,000,000 150,000,000 204,000,000 4,000,000 5,000,000 3,000,000 5,000,000 5,000,000 10,000,000 9,000,000 17,000,000 22,000,000 53,000,000 24,000,000 2,000,000 20,000,000 12,000,000 21,000,000 7,000,000 26,000,000 14,000,000 12,000,000 10,000,000 18,000,000 29,000,000 19,000,000 51,000,000 53,000,000 24,000,000 38,000,000 30,000,000 45,000,000 32,000,000 68,000,000 99,000,000 45,000,000 122,000,000 148,000,000 28,000,000 14,000,000 85,000,000 43,000,000 66,000,000 22,000,000 
      proceeds from prepayments and maturities of other investments
    		       4,000,000 2,000,000 2,000,000 3,000,000 6,000,000 3,000,000 2,000,000 4,000,000 18,000,000 2,000,000 3,000,000 3,000,000 2,000,000 2,000,000 1,000,000 10,000,000 17,000,000 3,000,000 4,000,000 32,000,000 3,000,000 35,000,000   2,000,000 0 1,000,000 1,000,000   6,000,000 -3,000,000 1,000,000 4,000,000 1,000,000 2,000,000 -1,000,000 2,000,000 -76,000,000 33,000,000 62,000,000 46,000,000 34,000,000 38,000,000 15,000,000 
      net increase in deposits, excluding acquisitions
    		             -2,798,000,000 -3,909,000,000 641,000,000 5,859,000,000 3,889,000,000 6,901,000,000 -1,464,000,000 1,233,000,000 20,209,000,000 3,434,000,000 221,000,000 1,703,000,000 1,771,000,000 866,000,000 1,529,000,000       -105,000,000 1,943,000,000 2,336,000,000 -27,000,000 404,000,000 -953,000,000 -376,000,000 3,542,000,000 657,000,000 533,000,000 -1,996,000,000 728,000,000 567,000,000      
      common share purchases under asr program
    		               0                                     
      securities received as consideration
    		               0                                     
      asu 2021-08, business combinations
    		                                                    
      asu 2022-01, derivatives and hedging
    		                                                    
      asu 2022-02, financial instruments—credit losses
    		                                                    
      asu 2023-02, investments—equity method and joint ventures
    		                                                    
      purchases of intangibles assets via acquisitions
    		            0                                        
      asu 2022-02, financial instruments —credit losses
    		                                                    
      net securities losses
    		           -18,000,000        0               -1,000,000    0          -12,000,000 -1,000,000 2,000,000 -3,000,000 
      net transfers of loans held for sale
    		                0                                    
      asu 2020-04 and asu 2021-01 — reference rate reform
    		                                                    
      asu 2020-06, debt—debt with conversion and other options
    		                                                    
      reference rate reform
    		                                                    
      net incomees (gains) and writedown on oreo
    		                       1,000,000 2,000,000 3,000,000 1,000,000     2,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 2,000,000 0   0 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 0     
      proceeds from sales of oreo
    		                       9,000,000 4,000,000 6,000,000 4,000,000 9,000,000 8,000,000 7,000,000 7,000,000 14,000,000 18,000,000 8,000,000 11,000,000 4,000,000 3,000,000 6,000,000 6,000,000              
      asu 2019-12, simplifying the accounting for income taxes
    		                                                    
      asu 2020-01, clarifying the interactions between topic 321,investments —equity securities; topic 323, investments— equity method and joint ventures; and topic 815, derivatives and hedging
    		                                                    
      asu 2020-08, codification improvements to subtopic 310-20, receivables—nonrefundable fees and other costs
    		                                                    
      asu 2021-01, reference rate reform
    		                                                    
      presentation of financial statements
    		                                                    
      asu 2020-08,codification improvements to subtopic 310-20,receivables—nonrefundable fees and other costs
    		                                                    
      fdic reimbursement (payments), net of fdic expense
    		                           -12,000,000 0 1,000,000 1,000,000    -2,000,000  1,000,000  0   0   -1,000,000        
      gain on sale of kibs
    		                                                    
      proceeds from sale of kibs
    		                           0                         
      repurchase of common shares
    		                                     0 -123,000,000 -128,000,000 -197,000,000 -129,000,000 -119,000,000 -106,000,000 -130,000,000 -99,000,000 -198,000,000      
      in millions
    		                                                    
      allowance for credit losses
    		                                                    
      commercial
    		                                                    
      commercial and industrial
    		                   0 0 0 551,000,000                              
      real estate — commercial mortgage
    		                   0 0 0 143,000,000                              
      real estate — construction
    		                   0 0 0 22,000,000                              
      commercial lease financing
    		                   0 0 0 35,000,000                              
      total commercial loans
    		                   0 0 0 751,000,000                              
      consumer
    		                                                    
      real estate — residential mortgage
    		                   0 0 0 7,000,000                              
      home equity loans
    		                   0 0 0 31,000,000                              
      consumer direct loans
    		                   0 0 0 34,000,000                              
      credit cards
    		                   0 0 0 47,000,000                              
      consumer indirect loans
    		                   0 0 0 30,000,000                              
      total consumer loans
    		                   0 0 0 149,000,000                              
      total alll — continuing operations
    		                   0 0 0 900,000,000                              
      discontinued operations
    		                   0 0 0 10,000,000                              
      total alll
    		                   0 0 0 910,000,000                              
      total allowance for credit losses
    		                   0 0 0 985,000,000                              
      redemption of preferred stock series c
    		                                  -350,000,000                  
      •
    		                                                    
      asu 2016-02, leases (topic 842) asu 2018-01, leases (topic 842): land easement practical expedient asu 2018-10, codification improvements to topic 842 asu 2018-11, leases (topic 842): targeted improvements asu 2018-20, leases (topic 842): narrow scope improvements for lessors asu 2019-01, codification improvements to topic 842
    		                                                    
      asu 2017-08,premiumamortization onpurchasedcallable debtsecurities
    		                                                    
      asu 2018-07, stock compensation - improvements to nonemployeeshare-based payment accounting
    		                                                    
      asu 2018-13, fair value measurement: disclosure framework
    		                                                    
      direct acquisition costs
    		                                                    
      preferred stock issued to acquire first niagara
    		                                                    
      common stock issued to acquire first niagara
    		                                                    
      first niagara assets acquired
    		                                                    
      first niagara liabilities assumed
    		                                                    
      asu 2014-09, revenue from contracts with customers (topic 606) asu 2015-14, deferral of effective dateasu 2016-08, principal versus agent considerationsasu 2016-10, identifying performance obligations and licensingasu 2016-11, rescission of sec guidance because of accounting standard updates 2014-09 and 2014-16 pursuant to staff announcements at the march 3, 2016 eitf meetingasu 2016-12, narrow-scope improvements and practical expedientsasu 2016-20, technical corrections and improvements to topic 606, revenue from contracts with customers
    		                                                    
      asu 2017-12,targeted improvements to accounting for hedging activities
    		                                                    
      gain on sale of key insurance & benefits, inc.
    		                                                    
      proceeds from sale of key insurance & benefits services, inc.
    		                                                    
      loans transferred to (from) held for sale from portfolio
    		                                                    
      net incomees (gains) from principal investing
    		                                  -1,000,000   0 -11,000,000 -11,000,000 -29,000,000 -18,000,000 -9,000,000 -27,000,000 -24,000,000 -20,000,000 -17,000,000 -11,000,000 6,000,000 -18,000,000 -17,000,000 -37,000,000 
      consideration paid:
    		                                                    
      keycorp common stock issued
    		                                                    
      cash payments to first niagara stockholders
    		                                                    
      exchange of first niagara preferred stock for keycorp preferred stock
    		                                                    
      total consideration paid
    		                                                    
      statement of net assets acquired at fair value:
    		                                                    
      assets
    		                                                    
      cash and due from banks and short-term investments
    		                                0                    
      investment securities
    		                                0                    
      other investments
    		                                0                    
      loans
    		                                0                    
      premises and equipment
    		                                0                    
      other intangible assets
    		                                0                    
      total assets
    		                                0                    
      liabilities
    		                                                    
      deposits
    		                                0                    
      bank notes and other short-term borrowings
    		                                0                    
      long-term debt
    		                                0                    
      total liabilities
    		                                0                    
      net identifiable assets acquired
    		                                                    
      goodwill
    		                                                    
      aicpa: american institute of certified public accountants.
    		                                                    
      alco: asset/liability management committee.
    		                                                    
      alll: allowance for loan and lease losses.
    		                                                    
      a/lm: asset/liability management.
    		                                                    
      aoci: accumulated other comprehensive income.
    		                                                    
      apbo: accumulated postretirement benefit obligation.
    		                                                    
      austin: austin capital management, ltd.
    		                                                    
      bhcs: bank holding companies.
    		                                                    
      board: keycorp board of directors.
    		                                                    
      ccar: comprehensive capital analysis and review.
    		                                                    
      cmbs: commercial mortgage-backed securities.
    		                                                    
      cme: chicago mercantile exchange.
    		                                                    
      cmo: collateralized mortgage obligation.
    		                                                    
      common shares: keycorp common shares, 1 par value.
    		                                                    
      dif: deposit insurance fund of the fdic.
    		                                                    
      dodd-frank act: dodd-frank wall street reform and
    		                                                    
      consumer protection act of 2010.
    		                                                    
      ebitda: earnings before interest, taxes, depreciation, and
    		                                                    
      amortization.
    		                                                    
      eps: earnings per share.
    		                                                    
      erisa: employee retirement income security act of 1974.
    		                                                    
      erm: enterprise risk management.
    		                                                    
      eve: economic value of equity.
    		                                                    
      fasb: financial accounting standards board.
    		                                                    
      fdic: federal deposit insurance corporation.
    		                                                    
      federal reserve: board of governors of the federal reserve
    		                                                    
      system.
    		                                                    
      fhlb: federal home loan bank of cincinnati.
    		                                                    
      fhlmc: federal home loan mortgage corporation.
    		                                                    
      fico: fair isaac corporation
    		                                                    
      first niagara: first niagara financial group, inc.
    		                                                    
      (nasdaq: fnfg).
    		                                  50,000,000                  
      fnma: federal national mortgage association, or fannie mae.
    		                                                    
      fsoc: financial stability oversight council.
    		                                                    
      gaap: u.s. generally accepted accounting principles.
    		                                                    
      gnma: government national mortgage association, or ginnie
    		                                                    
      mae.
    		                                                    
      isda: international swaps and derivatives association.
    		                                                    
      kahc: key affordable housing corporation.
    		                                                    
      kcc: key capital corporation.
    		                                                    
      provision (credit) for losses on lihtc guaranteed funds
    		                                          0 0 -6,000,000 0 1,000,000      
      gain on sale of victory
    		                                         0    0       
      loss on sale of residual interests and deconsolidation of securitization trusts
    		                                         0           
      proceeds from sale of residual interests
    		                                         0           
      proceeds from sale of victory
    		                                         0    0       
      assets acquired
    		                                         6,000,000    0       
      liabilities assumed
    		                                         -5,000,000           
      lihtc guaranteed funds put
    		                                         0           
      abo: accumulated benefit obligation.aicpa: american institute of certified public accountants.alco: asset/liability management committee.alll: allowance for loan and lease losses.a/lm: asset/liability management.aoci: accumulated other comprehensive income.apbo: accumulated postretirement benefit obligation.atms: automated teller machines.austin: austin capital management, ltd.bsa: bank secrecy act.bhca: bank holding company act of 1956, as amended.bhcs: bank holding companies.board: keycorp board of directors.ccar: comprehensive capital analysis and review.cfpb: consumer financial protection bureau.cftc: commodities futures trading commission.cmbs: commercial mortgage-backed securities.cmo: collateralized mortgage obligation.common shares: keycorp common shares, 1 par value.dif: deposit insurance fund of the fdic.dodd-frank act: dodd-frank wall street reform andconsumer protection act of 2010.ebitda: earnings before interest, taxes, depreciation, andamortization.eps: earnings per share.erisa: employee retirement income security act of 1974.erm: enterprise risk management.eve: economic value of equity.fasb: financial accounting standards board.fdia: federal deposit insurance act, as amended.fdic: federal deposit insurance corporation.federal reserve: board of governors of the federal reservesystem.fhlb: federal home loan bank of cincinnati.fhlmc: federal home loan mortgage corporation.finra: financial industry regulatory authority.first niagara: first niagara financial group, inc. (nasdaq: fnfg)fnma: federal national mortgage association.fsoc: financial stability oversight council.fva: fair value of employee benefit plan assets.gaap: u.s. generally accepted accounting principles.gnma: government national mortgage association.
    		                                                    
      depreciation, amortization and accretion expense
    		                                   62,000,000 62,000,000 71,000,000 60,000,000 66,000,000 50,000,000 53,000,000 71,000,000 51,000,000 52,000,000 46,000,000 54,000,000      
      gnma: government national mortgage association.
    		                                                    
      kbcm: keybanc capital markets, inc.
    		                                                    
      abo: accumulated benefit obligation. aicpa: american institute of certified public accountants. alco: asset/liability management committee. alll: allowance for loan and lease losses. a/lm: asset/liability management. aoci: accumulated other comprehensive income. apbo: accumulated postretirement benefit obligation. atms: automated teller machines. austin: austin capital management, ltd. bsa: bank secrecy act. bhca: bank holding company act of 1956, as amended. bhcs: bank holding companies. board: keycorp board of directors. ccar: comprehensive capital analysis and review. cfpb: consumer financial protection bureau. cftc: commodities futures trading commission. cmbs: commercial mortgage-backed securities. cmo: collateralized mortgage obligation. common shares: keycorp common shares, 1 par value. dif: deposit insurance fund of the fdic. dodd-frank act: dodd-frank wall street reform and consumer protection act of 2010. ebitda: earnings before interest, taxes, depreciation, and amortization. eps: earnings per share. erisa: employee retirement income security act of 1974. erm: enterprise risk management. eve: economic value of equity. fasb: financial accounting standards board. fdia: federal deposit insurance act, as amended. fdic: federal deposit insurance corporation. federal reserve: board of governors of the federal reserve system. fhlb: federal home loan bank of cincinnati. fhlmc: federal home loan mortgage corporation. finra: financial industry regulatory authority. first niagara: first niagara financial group, inc. (nasdaq: fnfg) fnma: federal national mortgage association. fsoc: financial stability oversight council. fva: fair value of employee benefit plan assets. gaap: u.s. generally accepted accounting principles. gnma: government national mortgage association.
    		                                                    
      kcdc: key community development corporation.
    		                                                    
      kef: key equipment finance.
    		                                                    
      kreec: key real estate equity capital, inc.
    		                                                    
      proceeds from sales of other real estate owned
    		                                        6,000,000 4,000,000 3,000,000 5,000,000 5,000,000 4,000,000 5,000,000 10,000,000 39,000,000 64,000,000 44,000,000 35,000,000 
      libor: london interbank offered rate.
    		                                                    
      lihtc: low-income housing tax credit.
    		                                                    
      provision (credit) for loan and lease losses
    		                                         22,000,000 21,000,000 10,000,000 6,000,000 19,000,000 28,000,000 109,000,000     
      provision (credit) for losses on lending-related commitments
    		                                            -2,000,000 -3,000,000 3,000,000 -4,000,000 -26,000,000 -10,000,000 -10,000,000 -2,000,000 
      abo: accumulated benefit obligation. aicpa: american institute of certified public accountants. alco: asset/liability management committee. alll: allowance for loan and lease losses. a/lm: asset/liability management. aoci: accumulated other comprehensive income. apbo: accumulated postretirement benefit obligation. austin: austin capital management, ltd. bhca: bank holding company act of 1956, as amended. bhcs: bank holding companies. ccar: comprehensive capital analysis and review. cfpb: consumer financial protection bureau. cftc: commodities futures trading commission. cmbs: commercial mortgage-backed securities. cmo: collateralized mortgage obligation. common shares: common shares, 1 par value. dif: deposit insurance fund of the fdic. dodd-frank act: dodd-frank wall street reform and consumer protection act of 2010. eps: earnings per share. erisa: employee retirement income security act of 1974. erm: enterprise risk management. eve: economic value of equity. fasb: financial accounting standards board. fdia: federal deposit insurance act, as amended. fdic: federal deposit insurance corporation. federal reserve: board of governors of the federal reserve system. fhlmc: federal home loan mortgage corporation. finra: financial industry regulatory authority. fnma: federal national mortgage association. fsoc: financial stability oversight council. fva: fair value of employee benefit plan assets. gaap: u.s. generally accepted accounting principles. gnma: government national mortgage association. irs: internal revenue service. isda: international swaps and derivatives association. kahc: key affordable housing corporation. kef: key equipment finance.
    		                                                    
      net decrease (increase) in short-term investments
    		                                           -254,000,000 2,668,000,000 -2,055,000,000 48,000,000 8,000,000 527,000,000 113,000,000 2,361,000,000 -2,602,000,000 
      net proceeds from issuance of common shares
    		                                           4,000,000 15,000,000        
      fnma: federal national mortgage association.
    		                                                    
      fomc: federal open market committee of the federal reserve
    		                                                    
      board.
    		                                                    
      secured borrowing less lease reductions
    		                                            6,000,000        
      series b preferred stock — tarp redemption
    		                                                    
      repurchase of common stock warrant
    		                                                    
      abo: accumulated benefit obligation. aicpa: american institute of certified public accountants. alco: asset/liability management committee. alll: allowance for loan and lease losses. a/lm: asset/liability management. aoci: accumulated other comprehensive income. apbo: accumulated postretirement benefit obligation. austin: austin capital management, ltd. bhca: bank holding company act of 1956, as amended. bhcs: bank holding companies. ccar: comprehensive capital analysis and review. cfpb: consumer financial protection bureau. cftc: commodities futures trading commission. cmbs: commercial mortgage-backed securities. cmo: collateralized mortgage obligation. common shares: common shares, 1 par value. cpp: capital purchase program of the u.s. treasury. dif: deposit insurance fund of the fdic. dodd-frank act: dodd-frank wall street reform and consumer protection act of 2010. eps: earnings per share. erisa: employee retirement income security act of 1974. erm: enterprise risk management. eve: economic value of equity. fasb: financial accounting standards board. fdia: federal deposit insurance act, as amended. fdic: federal deposit insurance corporation. federal reserve: board of governors of the federal reserve system. fhlmc: federal home loan mortgage corporation. finra: financial industry regulatory authority. fnma: federal national mortgage association. fomc: federal open market committee of the federal reserve board. fsoc: financial stability oversight council. fva: fair value of pension plan assets. gaap: u.s. generally accepted accounting principles. gnma: government national mortgage association. irs: internal revenue service. isda: international swaps and derivatives association. kahc: key affordable housing corporation.
    		                                                    
      fdic (payments) net of fdic expense
    		                                              -1,000,000 6,000,000     
      purchases of premises and equipment
    		                                              -26,000,000 -40,000,000 -54,000,000 -48,000,000 -33,000,000 -21,000,000 
      tax benefits in excess of reorganized compensation costs for share-based payment
    		                                                    
      abo: accumulated benefit obligation.
    		                                                    
      bhca: bank holding company act of 1956, as amended.
    		                                                    
      cfpb: bureau of consumer financial protection.
    		                                                    
      cftc: commodities futures trading commission.
    		                                                    
      common shares: common shares, 1 par value.
    		                                                    
      cpp: capital purchase program of the u.s. treasury.
    		                                                    
      fdia: federal deposit insurance act, as amended.
    		                                                    
      fhfa: federal housing finance agency.
    		                                                    
      finra: financial industry regulatory authority.
    		                                                    
      fva: fair value of pension plan assets.
    		                                                    
      hud: u.s. department of housing and urban development.
    		                                                    
      irs: internal revenue service.
    		                                                    
      provision (credit) for customer derivative losses
    		                                               4,000,000     
      net incomees (gains) from loan sales
    		                                               -39,000,000 -29,000,000 -18,000,000 -25,000,000 -4,000,000 
      (gains) losses on leased equipment
    		                                               -46,000,000     
      net decrease (increase) in loans held for sale excluding loan transfers from continuing operations
    		                                                    
      proceeds from loan sales
    		                                               -21,000,000 189,000,000 138,000,000 209,000,000 84,000,000 
      repurchase of treasury shares
    		                                               -81,000,000     
      series b preferred stock - tarp redemption
    		                                                    
      dif: deposit insurance fund.
    		                                                    
      federal reserve: board of governors of the federal reserve system.
    		                                                    
      lilo: lease in, lease out transaction.
    		                                                    
      moody’s: moody’s investor services, inc.
    		                                                    
      income on trading credit default swaps
    		                                                    
      losses (gains) on leased equipment
    		                                                    
      gain from sale/redemption of visa inc. shares
    		                                                    
      gain related to exchange of common shares for capital securities
    		                                                    
      gain from sale of key’s claim associated with the lehman brothers’ bankruptcy
    		                                                    
      intangible assets impairment
    		                                                    
      proceeds from sale/redemption of visa inc. shares
    		                                                    
      net proceeds from issuance of common shares and preferred stock
    		                                                    
      series b preferred stock—tarp redemption
    		                                                    
      tax benefits over (under) recognized compensation cost for stock-based awards
    		                                                    
      abo: accumulated benefit obligation. aicpa: american institute of certified public accountants. alco: asset/liability management committee. alll: allowance for loan and lease losses. a/lm: asset/liability management. aoci: accumulated other comprehensive income. apbo: accumulated postretirement benefit obligation. austin: austin capital management, ltd. bhcs: bank holding companies. ccar: comprehensive capital analysis and review cmo: collateralized mortgage obligation. common shares: common shares, 1 par value. cpp: capital purchase program of the u.s. treasury. dif: deposit insurance fund. dodd-frank act: dodd-frank wall street reform and consumer protection act of 2010. erisa: employee retirement income security act of 1974. erm: enterprise risk management. eve: economic value of equity. fasb: financial accounting standards board. fdic: federal deposit insurance corporation. federal reserve: board of governors of the federal reserve system. fhlmc: federal home loan mortgage corporation. fnma: federal national mortgage association. fva: fair value of pension plan assets. gaap: u.s. generally accepted accounting principles. gnma: government national mortgage association. irs: internal revenue service. isda: international swaps and derivatives association. kahc: key affordable housing corporation. libor: london interbank offered rate. lihtc: low-income housing tax credit. lilo: lease in, lease out transaction.
    		                                                    
      benefit from loan and lease losses
    		                                                    
      benefit from losses on lihtc guaranteed funds
    		                                                    
      benefit from customer derivative losses
    		                                                -24,000,000    
      gains on leased equipment
    		                                                -6,000,000 -4,000,000 -2,000,000 -8,000,000 
      liability to visa inc.
    		                                                    
      honsador litigation reserve
    		                                                    
      net decrease (increase) in loans held for sale excluding transfers from continuing operations
    		                                                207,000,000 224,000,000 -62,000,000 14,000,000 
      cash from acquisitions, net of cash acquired
    		                                                    
      purchases of loans
    		                                                    
      net proceeds from issuance of common stock warrant
    		                                                    
      moody’s: moody’s investors service, inc.
    		                                                    
      benefit from loan losses
    		                                                 94,000,000 228,000,000 413,000,000 
      gain from sale of key’s claim associated with the lehman
    		                                                    
      bcbs: basel committee on banking supervision.
    		                                                    
      dodd-frank act: dodd-frank wall street reform and consumer protection act of 2010.
    		                                                    
      heartland: heartland payment systems, inc.
    		                                                    
      n/a: not applicable.
    		                                                    
      nasdaq: national association of securities dealers automated quotation system.
    		                                                    
      aicpa: american institute of certified public accountants. alco: asset/liability management committee. a/lm: asset/liability management. aoci: accumulated other comprehensive income. austin: austin capital management, ltd. cmo: collateralized mortgage obligation. common shares: common shares, 1 par value. cpp: capital purchase program of the u.s. treasury. dif: deposit insurance fund. dodd-frank act: dodd-frank wall street reform and consumer protection act erm: enterprise risk management. eve: economic value of equity. fasb: financial accounting standards board. fdic: federal deposit insurance corporation. federal reserve: board of governors of the federal reserve system. fhlmc: federal home loan mortgage corporation. fnma: federal national mortgage association. gaap: u.s. generally accepted accounting principles. gnma: government national mortgage association. heartland: heartland payment systems, inc. irs: internal revenue service. isda: international swaps and derivatives association. kahc: key affordable housing corporation. libor: london interbank offered rate. lihtc: low-income housing tax credit. lilo: lease in, lease out transaction. moody’s: moody’s investors service, inc. n/a: not applicable. nasdaq: national association of securities dealers automated quotation system.
    		                                                    
      net securities gains
    		                                                    
      net (gains) losses from loan securitizations and sales
    		                                                    
      net incomees from principal investing
    		                                                    
      liability to visa
    		                                                    
      reversal of honsador litigation reserve
    		                                                    
      net decrease in loans held for sale
    		                                                    
      net increase in trading account assets
    		                                                    
      proceeds from loan securitizations and sales
    		                                                    
      net decrease in short-term borrowings
    		                                                    
      tax benefits under recognized compensation cost for stock-based awards
    		                                                    
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.