The combination of Keycorp and Society Corp. creates the closest thing yet to a nationwide bank, bringing together nearly 14,000 banking offices in 18 states under a single holding company headquartered in Cleveland.

Managing such a far-flung network will require a delicate balance of strong local autonomy for the new Keycorp's 14 banking subsidiaries and highly efficient centralized administration and operations in Cleveland, say top officers at Keycorp and Society.

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