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$FITB's average core deposits grew 6% and average loan balances grew 2% in 2015. Core deposit to loan ratio was 106%. $FITB plans to rationalize parts of its branch network which will save $60MM annually. $FITB closed or sold 41 branches last year and has two transactions scheduled to close near 1Q16-end that include 34 more branches.
No better outlook on $MSFT. Even if the results beat a bit, the stock may move 4 to 6% higher, but won't go above $60.