Exhibit 99.3

Consolidated Balance Sheets
(dollars in millions)
			12/31/2023		9/30/2023		12/31/2022
Assets
	Loans		$	112,606	$	115,544	$	119,394
	Loans held for sale		483		730		963
	Securities available for sale		37,185		35,839		39,117
	Held-to-maturity securities		8,575		8,853		8,710
	Trading account assets		1,142		1,325		829
	Short-term investments		10,817		7,871		2,432
	Other investments		1,244		1,356		1,308
		Total earning assets	172,052		171,518		172,753
	Allowance for loan and lease losses		(1,508)		(1,488)		(1,337)
	Cash and due from banks		941		766		887
	Premises and equipment		661		649		636
	Goodwill		2,752		2,752		2,752
	Other intangible assets		55		65		94
	Corporate-owned life insurance		4,383		4,381		4,369
	Accrued income and other assets		8,601		8,843		9,223
	Discontinued assets		344		365		436
		Total assets	$	188,281	$	187,851	$	189,813
Liabilities
	Deposits in domestic offices:
		Interest-bearing deposits	114,859		112,581		101,761
		Noninterest-bearing deposits	30,728		31,710		40,834
		Total deposits	145,587		144,291		142,595
	Federal funds purchased and securities sold under repurchase agreements		38		43		4,077
	Bank notes and other short-term borrowings		3,053		3,470		5,386
	Accrued expense and other liabilities		5,412		5,388		4,994
	Long-term debt		19,554		21,303		19,307
		Total liabilities	173,644		174,495		176,359
Equity
	Preferred stock		2,500		2,500		2,500
	Common shares		1,257		1,257		1,257
	Capital surplus		6,281		6,254		6,286
	Retained earnings		15,672		15,835		15,616
	Treasury stock, at cost		(5,844)		(5,851)		(5,910)
	Accumulated other comprehensive income (loss)		(5,229)		(6,639)		(6,295)
		Key shareholders’ equity	14,637		13,356		13,454
	Noncontrolling interests		—		—		—
		Total equity	14,637		13,356		13,454
Total liabilities and equity			$	188,281	$	187,851	$	189,813
Common shares outstanding (000)			936,564		936,161		933,325

Consolidated Statements of Income
(dollars in millions, except per share amounts)
			Three months ended						Twelve months ended
			12/31/2023		9/30/2023		12/31/2022		12/31/2023		12/31/2022
Interest income
	Loans		$	1,574	$	1,593	$	1,347	$	6,219	$	4,241
	Loans held for sale		12		19		20		61		56
	Securities available for sale		213		192		195		793		752
	Held-to-maturity securities		78		79		64		312		213
	Trading account assets		13		15		10		55		31
	Short-term investments		138		123		48		414		97
	Other investments		22		22		11		73		22
		Total interest income	2,050		2,043		1,695		7,927		5,412
Interest expense
	Deposits		754		687		186		2,322		279
	Federal funds purchased and securities sold under repurchase agreements		—		9		16		79		41
	Bank notes and other short-term borrowings		45		81		54		308		90
	Long-term debt		330		351		219		1,305		475
		Total interest expense	1,129		1,128		475		4,014		885
Net interest income			921		915		1,220		3,913		4,527
Provision for credit losses			102		81		265		489		502
Net interest income after provision for credit losses			819		834		955		3,424		4,025
Noninterest income
	Trust and investment services income		132		130		126		516		526
	Investment banking and debt placement fees		136		141		172		542		638
	Service charges on deposit accounts		65		69		71		270		350
	Operating lease income and other leasing gains		22		22		24		92		103
	Corporate services income		67		73		89		302		372
	Cards and payments income		84		90		85		340		341
	Corporate-owned life insurance income		36		35		33		132		132
	Consumer mortgage income		11		15		9		51		58
	Commercial mortgage servicing fees		48		46		42		190		167
	Other income		9		22		20		35		31
		Total noninterest income	610		643		671		2,470		2,718
Noninterest expense
	Personnel		674		663		674		2,660		2,566
	Net occupancy		65		67		72		267		295
	Computer processing		92		89		82		368		314
	Business services and professional fees		44		38		60		168		212
	Equipment		24		20		20		88		92
	Operating lease expense		18		18		22		77		101
	Marketing		31		28		31		109		123
	Intangible asset amortization		—		—		—		—		—
	Other expense		424		187		195		997		707
		Total noninterest expense	1,372		1,110		1,156		4,734		4,410
Income (loss) from continuing operations before income taxes			57		367		470		1,160		2,333
	Income taxes		(8)		65		76		196		422
Income (loss) from continuing operations			65		302		394		964		1,911
	Income (loss) from discontinued operations, net of taxes		—		1		—		3		6
Net income (loss)			65		303		394		967		1,917
	Less: Net income (loss) attributable to noncontrolling interests		—		—		—		—		—
Net income (loss) attributable to Key			$	65	$	303	$	394	$	967	$	1,917
Income (loss) from continuing operations attributable to Key common shareholders			$	30	$	266	$	356	$	821	$	1,793
Net income (loss) attributable to Key common shareholders			30		267		356		824		1,799
Per common share
Income (loss) from continuing operations attributable to Key common shareholders			$	.03	$	.29	$	.38	$	.88	$	1.94
Income (loss) from discontinued operations, net of taxes			—		—		—		—		.01
Net income (loss) attributable to Key common shareholders (a)			.03		.29		.38		.89		1.94
Per common share — assuming dilution
Income (loss) from continuing operations attributable to Key common shareholders			$	.03	$	.29	$	.38	$	.88	$	1.92
Income (loss) from discontinued operations, net of taxes			—		—		—		—		.01
Net income (loss) attributable to Key common shareholders (a)			.03		.29		$	.38	.88		1.93
Cash dividends declared per common share			$	.205	$	.205	$	.205	$	.82	$	.79
Weighted-average common shares outstanding (000)			927,517		927,131		924,974		927,217		924,363
	Effect of common share options and other stock awards		6,529		4,613		8,750		5,542		8,696
Weighted-average common shares and potential common shares outstanding (000) (b)			934,046		931,744		933,724		932,759		933,059

(a)Earnings per share may not foot due to rounding.

(b)Assumes conversion of common share options and other stock awards and/or convertible preferred stock, as applicable.