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In the commercial business, there is good loan activity which $FITB expects will continue into 4Q15 supported by diverse origination activity. Full-year 2015 commercial loan growth is expected to be approx. 4%. $FITB expects a slight downtick in 4Q15 for NIM and NII.
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.