Business Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2025

Schedule of Selected Financial Data for Our Business Segments


Year ended December 31,	Consumer Bank						Commercial Bank
Dollars in millions	2025		2024		2023		2025		2024		2023
SUMMARY OF OPERATIONS
Net interest income (TE)	$	2,709	$	2,246	$	2,221	$	2,294	$	1,805	$	1,866
Noninterest income	957		924		937		1,745		1,629		1,429
Total revenue (TE) (a)	3,666		3,170		3,158		4,039		3,434		3,295
Provision for credit losses	169		126		111		299		227		379
Personnel expense	904		850		833		779		729		697
Other direct noninterest expense	561		600		690		288		347		436
Support and overhead	1,337		1,264		1,256		838		758		673

Allocated income taxes (benefit) and TE adjustments	168		79		64		388		282		227
Income (loss) from continuing operations	527		251		204		1,447		1,091		883
Income (loss) from discontinued operations, net of taxes	—		—		—		—		—		—
Net income (loss)	$	527	$	251	$	204	$	1,447	$	1,091	$	883


AVERAGE BALANCES (b)
Loans and leases	$	35,744	$	38,744	$	41,777	$	69,407	$	68,498	$	75,782
Total assets (a)	38,760		41,613		44,593		78,833		77,782		85,542
Deposits	87,932		85,851		82,793		58,070		58,025		55,045
OTHER FINANCIAL DATA
Expenditures for additions to long-lived assets (a), (b)	$	71	$	75	$	72	$	4	$	—	$	3


Year ended December 31,	Other						Key
Dollars in millions	2025		2024		2023		2025		2024		2023
SUMMARY OF OPERATIONS
Net interest income (TE)	$	(332)	$	(241)	$	(144)	$	4,671	$	3,810	$	3,943
Noninterest income	140		(1,744)		104		2,842		809		2,470
Total revenue (TE) (a)	(192)		(1,985)		(40)		7,513		4,619		6,413
Provision for credit losses	3		(18)		(1)		471		335		489
Personnel expense	1,234		1,135		1,130		2,917		2,714		2,660
Other direct noninterest expense	937		884		948		1,786		1,831		2,074
Support and overhead	(2,175)		(2,022)		(1,929)		—		—		—

Allocated income taxes (benefit) and TE adjustments	(45)		(459)		(65)		511		(98)		226
Income (loss) from continuing operations	(146)		(1,505)		(123)		1,828		(163)		964
Income (loss) from discontinued operations, net of taxes	1		2		3		1		2		3
Net income (loss)	$	(145)	$	(1,503)	$	(120)	$	1,829	$	(161)	$	967


AVERAGE BALANCES (b)
Loans and leases	$	509	$	482	$	445	$	105,660	$	107,724	$	118,004
Total assets (a)	69,171		67,420		61,492		186,764		186,815		191,627
Deposits	3,274		2,279		6,221		149,276		146,155		144,059
OTHER FINANCIAL DATA
Expenditures for additions to long-lived assets (a), (b)	$	69	$	115	$	118	$	144	$	190	$	193

(a)Substantially all revenue generated by our reportable business segments is derived from clients that reside in the United States. Substantially all long-lived assets, including premises and equipment, capitalized software, and goodwill held by our reportable business segments, are located in the United States.

(b)From continuing operations.

KEYCORP /NEW/ 10-K