KeyCorp deck: 1H26 EPS $0.88 (+28% YoY), NII +10%, sees NIM 3.25%+ by 4Q27

KEYCORP /NEW/

1H26 diluted EPS $0.88, up 28% YoY; 2Q26 EPS $0.44. Revenue $3,917M (+8%); NII $2,488M (+10%); noninterest income $1,429M (+5%).
NIM was 2.89% in 2Q26; guides 3.00-3.05% by 4Q26 and 3.25%+ by 4Q27, citing $30B of low-rate swaps, securities, and residential mortgages repricing through 2027.
1H26 ROATCE 13.0%, up 180 bps; cash efficiency ratio 61.1%, improved 190 bps; provision for credit losses $198M, down 23%. 2Q26 NCO ratio 42 bps.
Record AUM $74B at 6/30/2026; relationship household growth +3% YoY; CET1 ratio 9.8%; allowance for credit losses 1.56% of period-end loans.
Plans at least $1.3B of 2026 share repurchases ($341M done in 2Q26); May 2026 board authorized up to $3B. Assets $191B, deposits $153B, loans $110B.

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