INFORMATION SERVICES MISA Presentation March 6th, 2007

INFORMATION SERVICES

MISA Pres entation

6March th, 2007

National City Opportunities | Unlimited


Let’s Get to Work!

• $148 Billion in assets

• 8th Largest U.S. Bank

• Ranked 2nd among Top Performing Banks by Business Week

• 38,000 employees

• 1,300+ branches

Headquarters in ClevelandLocations throughout the Midwest, Canada and more…

ClevelandCleveland

ColumbusColumbus

LouisvilleLouisville

IndianapolisIndianapolis

DetroitDetroitChicagoChicago

PittsburghPittsburgh

PhiladelphiaPhiladelphia

TorontoToronto

St. LouisSt. Louis

?Who is National City



National City is a national organization with

42 .operations in s tates

It de riv e s 48% of its ne t income from outs ide the 7 s tate branch ne twork.




One of the Largest U.S. Banks1 Citigroup Inc.2 Bank of America Corporation3 J.P. Morgan Chase & Co.4 Wachovia Corporation5 Wells Fargo & Company6 U.S. Bancorp7 Suntrust Banks, Inc.

8 National City Corporation9 BB&T Corporation

10 State Street Corporation11 Fifth Third Bancorp12 Bank of New York Company, Inc., The13 Keycorp14 PNC Financial Services Group, Inc., The15 Regions Financial Corporation16 North Fork Bancorporation, Inc.17 Comerica Incorporated18 M&T Bank Corporation19 Bancwest Corporation20 Unionbancal Corporation21 Amsouth Bancorporation22 Northern Trust Corporation23 Harris Financial Corp.24 Marshall & Ilsley Corporation25 First Horizon National Corporation

• Stock price appreciation: 80% over the last 5 years (during this period, S&P 500 down 20%)

• 3rd “Mega Bank” on Fortune magazine’s Most Admired Companies list

• 2nd only to JPMorgan Chase in market share in 7 state retail footprint

• Top Small Business Administration lender in our seven-state market



CreditCard

InvestmentBanking

Mortgage

Brokerage

Capital Markets

InvestmentReal Estate

Retail Banking

WealthManagement

Wholesale Banking

Small BusinessLending

Consumer Banking

Institutional Asset

Management


• A Financial Services Company that Provides a Full Suite of Products and Services


Let’s Get to Work!1Q-2005 net income, excludes parent

’ What s Different about ?National City

Narrow

Invest

Expand

• Consumer Financial Services• Middle-Market Corporate Banking• Asset Management

• Customer-Centric• Data & Event Driven• Integrated & Intelligent

• Branch Expansion• Complementary Acquisitions• Cincinnati, Louisville, Florida ...



Why Get This From ?Your Bank

3


Let’s Get to Work! 4

When You Can Get All ofThis!



- Cus tomer Centric: Example

• Points from National City

6

points from National City - Enrollment

0

50,000

100,000

150,000

200,000

250,000

300,000

350,000

400,000

450,000

Marc

hApr

ilM

ayJu

neJu

ly

Augus

t

Septe

mbe

r

Monthly Cumulative Enrollment Monthly Cumulative Goal

426,436426,436



:Who is National CityUltimately It Is Our People

Talented and Engaged People

Disciplined Execution

Best In Class

The Right Strategies

+

=

+

“Drivers of Future Performance” presented to shareholders on May 26, 2005



?Who is COIS

Corporate Operations & Information Services

• Information Services Joseph McCartin

• Bank Operations Chameli Naraine

• Lending Services Bob Manning

• Strategic Projects Margaret Richardson



What is InformationServices ?

• Business and Innovation Enablement• Solution Development• Technology Strategy & Engineering• Enterprise Production Services• Field Services, Telecommunications• Other random Sparky things



Channel

Asset M

gmt.

Core B

anking

Corp. Admin.

Lend

ing

Co

mm

on W

ay

Enterprise Production Support

EnterpriseRelease

Management

ProductionReadiness

&Control

IS S

ix S

igm

a

CommonServices

’ What s Different about Information Services at National

?City



• Operations Management• Production Engineering• Quality Engineering• Customer Support• Project Support – Design, Testing & Implementation• Strategic Projects Divestitures

What is Bank Operations at ?National City



112 million checks are processed each month. That’s nearly 1.5 billion items a year.

Traditional Op’s …



Industrial Engineering Meets the Financial Services Industry …

Lean

Six

Sig

ma

Met

hod

olog

y

(con

tinuo

us flo

w, Ka

nban

,. 5

S

prin

cipl

es, DM

AIC

, to

ols,

and

capa

bilit

y)

Collab

orative Work S

ystems

(our values, teamw

ork, empow

erment,

quicker decision-making, alignm

ent and

flexibility)

Business Growth

(Revenue & Income)

Customer Satisfaction

(Meet/Exceed Expectation & Create Value)

Delivery

(Excellence in Service)

Employees

(Highly Skilled, Trained, & Productive)

Process

(Lean, Measured, & Technology Enabled)

Engaged Employees

’ What s Different about Corporate Operations at

?National City



What is COIS Strategic?Projects

• Largest activities are acquisitions and divestitures• Home of the COIS Associate Leadership program• Major current and recent projects:

– Consolidating six separate bank charters into one– First Franklin/Home Loan Services divestiture– Two Florida acquisitions

• Harbor Federal• Fidelity Federal



’ What s different about Strategic Projects at

?National City



Developer

System RequirementsAnalysis

System DesignSpecifications

Code & Build

BusinessProcess

Optimization

Developer

Unit Testing

SystemTesting

BusinessValue

Engineering

Business Value Realization

BusinessAnalyst

Testing Consultant

SystemArchitect Tester

Business Analyst

Black Belt / Green Belt

User Acceptancetesting

ProcessPerformanceVerification

Business Sponsor

Black Belt / Green Belt

RequirementsFlow-down

FunctionalityUp-flow

Traditional “Systems” perspective emphasizes

Software development

DFSSperspectiveemphasizes

business process

performance ProcessCapability

Up-flow

Y to XFlow-down

’ What s Coming 2007? in

• Collaborative Work Systems

• Lean & Six Sigma• Process Re-

engineering and Automation

• Business Analysis• Business Enablement

Initiatives• Intelligent &

Integrated Products & Services

• Acquisitions



’ What s Different about being an As s oc iate at

?National City

• Broad Visibility into COIS and National City

• Carefully “engineered” Rotation program accelerates experience

• Six Sigma, Lean, Business Analysis, and other specialized training

• Associate Network

• Personal Credibility• Capacity to Learn• Courage to Lead Change• Result Oriented• Maintains Perspective• Communicates Effectively

Program is Designed to Grow Leaders …

But, Program Assumes Strong Leadership Potential



2007: New in As s ociate Technical

Track

• Targeted towards highly technical individuals with a passion for technology and problem solving

• 4 six month rotations in Information ServicesRotation Opportunities:– Enterprise Production Services (support)– Common Services (engineering)– IS Portfolios (analysts, project management, developers,

testing)– Production Readiness (risk and readiness assessment)

• Final placement within Information Services

• Long term career path opportunities in engineering, developer, project management, business analyst, and architect roles



Q & A

Documents

INFORMATION SERVICES MISA Presentation March 6th, 2007