KeyBank 2005 Annual Report Download - page 12

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FINANCIAL REVIEW 2005 KeyCorp Annual Report
11
12 Management’s Discussion & Analysis of Financial
Condition & Results of Operations
12 Introduction
12 Terminology
12 Description of business
12 Long-term goals
12 Forward-looking statements
14 Corporate strategy
14 Economic overview
14 Critical accounting policies and estimates
16 Revenue recognition
16 Highlights of Key’s 2005 Performance
16 Financial performance
18 Strategic developments
18 Line of Business Results
19 Consumer Banking
20 Corporate and Investment Banking
21 Other Segments
21 Results of Operations
21 Net interest income
25 Noninterest income
27 Noninterest expense
28 Income taxes
29 Financial Condition
29 Loans and loans held for sale
32 Securities
34 Deposits and other sources of funds
34 Capital
36 Off-Balance Sheet Arrangements and
Aggregate Contractual Obligations
36 Off-balance sheet arrangements
37 Contractual obligations
37 Guarantees
37 Risk Management
37 Overview
38 Market risk management
42 Credit risk management
46 Liquidity risk management
48 Operational risk management
49 Fourth Quarter Results
50 Certifications
51 Management’s Annual Report on Internal Control
Over Financial Reporting
52 Reports of Independent Registered Public
Accounting Firm
53 Consolidated Financial Statements and Related Notes
53 Consolidated Balance Sheets
54 Consolidated Statements of Income
55 Consolidated Statements of Changes
in Shareholders’ Equity
56 Consolidated Statements of Cash Flow
57 Summary of Significant Accounting Policies
63 Earnings Per Common Share
64 Acquisitions
64 Line of Business Results
67 Restrictions on Cash, Dividends
and Lending Activities
68 Securities
69 Loans and Loans Held for Sale
70 Loan Securitizations, Servicing and
Variable Interest Entities
73 Impaired Loans and Other
Nonperforming Assets
73 Goodwill and Other Intangible Assets
74 Short-Term Borrowings
75 Long-Term Debt
76 Capital Securities Issued by
Unconsolidated Subsidiaries
76 Shareholders’ Equity
77 Stock-Based Compensation
78 Employee Benefits
82 Income Taxes
83 Commitments, Contingent Liabilities
and Guarantees
87 Derivatives and Hedging Activities
88 Fair Value Disclosures of Financial
Instruments
89 Condensed Financial Information
of the Parent Company
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