KeyBank 2013 Annual Report Download - page 224

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For additional information on capital adequacy, see “Supervision and Regulation” in Item 1 of this report.
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, 2013
TOTAL CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 11,941 14.33% $ 6,666 8.00% N/A N/A
KeyBank (consolidated) 10,451 13.33 6,273 8.00 $ 7,841 10.00%
TIER 1 CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 9,968 11.96% $ 3,333 4.00% N/A N/A
KeyBank (consolidated) 8,496 10.83 3,136 4.00 $ 4,705 6.00%
TIER 1 CAPITAL TO AVERAGE QUARTERLY TANGIBLE ASSETS
Key $ 9,968 11.11% $ 2,691 3.00% N/A N/A
KeyBank (consolidated) 8,496 9.69 3,507 4.00 $ 4,384 5.00%
December 31, 2012
TOTAL CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 12,066 15.13% $ 6,379 8.00% N/A N/A
KeyBank (consolidated) 10,321 13.73 6,013 8.00 $ 7,516 10.00%
TIER 1 CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 9,689 12.15% $ 3,189 4.00% N/A N/A
KeyBank (consolidated) 7,989 10.63 3,006 4.00 $ 4,510 6.00%
TIER 1 CAPITAL TO AVERAGE QUARTERLY TANGIBLE ASSETS
Key $ 9,689 11.41% $ 2,547 3.00% N/A N/A
KeyBank (consolidated) 7,989 9.69 3,299 4.00 $ 4,124 5.00%
23. Line of Business Results
The specific lines of business that constitute each of the major business segments (operating segments) are
described below.
Key Community Bank
Key Community Bank serves individuals and small to mid-sized businesses through its 12-state branch network.
Individuals are provided branch-based deposit and investment products, personal finance services and loans,
including residential mortgages, home equity, credit card and various types of installment loans. In addition,
financial, estate and retirement planning, asset management services, and Delaware Trust capabilities are offered
to assist high-net-worth clients with their banking, trust, portfolio management, insurance, charitable giving, and
related needs.
Small businesses are provided deposit, investment and credit products, and business advisory services. Mid-sized
businesses are provided products and services that include commercial lending, cash management, equipment
leasing, investment and employee benefit programs, succession planning, access to capital markets, derivatives,
and foreign exchange.
Key Corporate Bank
Key Corporate Bank is a full-service corporate and investment bank focused principally on serving the needs of
middle market clients in six industry sectors: consumer, energy, healthcare, industrial, public sector and real
estate. Key Corporate Bank delivers a broad product suite of banking and capital markets products to its clients,
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