Wholesale Banking and Commercial Real Estate offers lending, equipment finance and small-ticket leasing, depository services, treasury management, capital markets, foreign exchange, international trade services and other financial services to middle market, large corporate, commercial real estate, financial institution and public sector clients. Wholesale Banking and Commercial Real Estate contributed $319 million of the Company’s net income in the fourth quarter of 2012, compared with $275 million in the fourth quarter of 2011 and $324 million in the third quarter of 2012. Wholesale Banking and Commercial Real Estate’s net income increased $44 million (16.0 percent) over the same quarter of 2011, principally due to a lower provision for credit losses. Total net revenue declined by $5 million (.6 percent), as a 3.5 percent decline in net interest income was partially offset by a 4.9 percent increase in total noninterest income. Net interest income decreased $19 million (3.5 percent) year-over-year, primarily due to lower rates on loans and the impact of lower rates on the margin benefit from deposits, partially offset by higher average loan and deposit balances. Total noninterest income increased $14 million (4.9 percent), driven by higher equity investment and trading account revenue. Total noninterest expense decreased $5 million (1.5 percent) from a year ago, primarily due to lower costs related to other real estate owned. The provision for credit losses was $70 million lower year-over-year, mainly due to lower net charge-offs.Wholesale Banking and Commercial Real Estate’s contribution to net income in the fourth quarter of 2012 was $5 million (1.5 percent) lower than the third quarter of 2012. Total net revenue decreased $4 million (.5 percent) compared with the prior quarter. Net interest income decreased $9 million (1.7 percent) on a linked quarter basis, principally due to lower loan rates and partially offset by increased average loan balances. Total noninterest income increased by $5 million (1.7 percent), primarily due to an increase in equity investment revenue. Total noninterest expense increased $5 million (1.6 percent), as an increase in professional services expense was partially offset by lower compensation and employee benefits expense.