Financial Performance - KeyCorp's EPS reached $0.35, a 6% increase QoQ and a 40% increase YoY[6] - Revenue increased to $1.84 billion, up 4% QoQ and 21% YoY[6] - Net interest income (TE) was $1.15 billion, reflecting a 4.1% increase QoQ and a 27.9% increase YoY[6] - Noninterest income grew to $690 million, up 3.3% QoQ and 10% YoY[6] Balance Sheet Strength - Common Equity Tier 1 (CET1) ratio stood at 11.7%, up approximately 120 bps YoY[3] - Marked Common Equity Tier 1 reached 10%, up approximately 270 bps YoY[3] - Tangible book value per common share increased by 26.7% YoY to $12.83[6] Loan and Deposit Portfolio - Average loans increased by $1.4 billion QoQ[10] - Commercial loans grew by 2.7% QoQ, driven by C&I loans[10] - Average deposits decreased slightly by 0.7% QoQ, but client deposits increased by 2% YoY[13] Credit Quality - Net charge-offs (NCOs) to average loans were 39 bps, down 4 bps QoQ[3] - Nonperforming assets (NPAs) to loans plus OREO were 66 bps, down 1 bp QoQ[3] Outlook - KeyCorp projects ending loans to be up approximately 2% vs YE 2024[35] - Net interest income (TE) is expected to increase by 20-22%[35]