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Commercial Banking Performance — 4th Quarter 2015

The Novantas Perspective series provides timely and expert viewpoints on a variety of detailed banking industry subjects. Loan loss provision dragged down commercial LOB earnings for the fifth consecutive quarter — while the expected delay in rising interest rates will likely stall profit improvement. 4Q15 Commercial highlights: Earnings Decline: Net income fell by 8% YoY; ROA at 124 bp was down vs. a year ago but up from prior quarter Provision Leap: The real drag was provision, now at 4.9% of revenue after five quarterly increases Double-Digit Loan Growth: Loans grew at 10% from a year ago Loan-to-Deposit Ratio: Deposits ...

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