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KeyCorp (KEY) investor relations material
KeyCorp Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
2025 accomplishments and organizational focus
Celebrated 200th anniversary with extensive client engagement and energized focus on sales culture transformation.
Achieved significant growth in investment banking and loan backlogs, setting up strong momentum for 2026 and beyond.
Increased fee-based sales forces by 10% across wealth management, payments, middle market, and investment banking.
Invested an additional $100 million in technology, contributing to a record revenue year and high capital levels.
2025 is projected to be a record revenue year, with over 15% year-over-year growth in adjusted total revenue and more than 22% growth in net interest income.
Economic outlook and client sentiment
Positioned well for 2026 with strong capital, healthy credit, and momentum in fee-based businesses.
Consumer clients have 20% more deposits than pre-COVID, with spending up 2%-3% year-over-year.
Commercial clients optimistic post-tax bill, with 60% expecting benefits, especially from accelerated depreciation.
Loan growth and business trends
C&I loan growth at 9% year-over-year, with $1 billion increase expected by year-end.
Commercial real estate loans slightly down, while consumer mortgage runoff continues at $2 billion annually.
Anticipates increased transactional activity in commercial real estate and growth in home equity lending via digital channels.
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Frequently asked questions
Founded in 1825, KeyCorp is one of the oldest and stand-alone U.S. financial services companies, with bank subsidiaries operating under the brand names KeyBank, First Niagara Bank, and Adams National Bank. KeyCorp provides deposit, lending, cash management and investment services to individuals and institutions. It operates through two segments: Retail & Commercial Banking and Equipment Leasing & Finance. It offers a range of deposit products including checking accounts (located primarily in retail branches) and time deposits; loan products include commercial mortgages, commercial loans for real estate development and secured business funding solutions tailored to short-term liquidity needs.
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