KeyBank 2015 Annual Report Download - page 233

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At December 31, 2015, Key and KeyBank (consolidated) had regulatory capital in excess of all current minimum
risk-based capital (including all adjustments for market risk) and leverage ratio requirements as shown in the
following table.
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, 2015
TOTAL CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 11,671 12.97% $ 7,198 8.00% N/A N/A
KeyBank (consolidated) 10,454 12.34 6,776 8.00 $ 8,470 10.00%
TIER 1 CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 10,212 11.35% $ 5,399 6.00% N/A N/A
KeyBank (consolidated) 9,197 10.86 5,082 6.00 $ 5,082 6.00%
TIER 1 CAPITAL TO AVERAGE QUARTERLY TANGIBLE ASSETS
Key $ 10,212 10.72% $ 3,811 4.00% N/A N/A
KeyBank (consolidated) 9,197 9.89 3,718 4.00 $ 4,647 5.00%
December 31, 2014
TOTAL CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 11,824 13.89% $ 6,808 8.00% N/A N/A
KeyBank (consolidated) 10,833 13.49 6,425 8.00 $ 8,031 10.00%
TIER 1 CAPITAL TO NET RISK-WEIGHTED ASSETS
Key $ 10,124 11.90% $ 3,404 4.00% N/A N/A
KeyBank (consolidated) 9,151 11.39 3,213 4.00 $ 4,819 6.00%
TIER 1 CAPITAL TO AVERAGE QUARTERLY TANGIBLE ASSETS
Key $ 10,124 11.26% $ 2,698 3.00% N/A N/A
KeyBank (consolidated) 9,151 10.38 3,526 4.00 $ 4,407 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, some of which are delivered by Key Corporate Bank, 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 seven industry sectors: consumer, energy, healthcare, industrial, public sector, real
estate, and technology. Key Corporate Bank delivers a broad suite of banking and capital markets products to its
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