- Fourth-quarter EPS of $1.41 misses consensus estimate of $1.59.
- EPS declines from $2.01 in Q3, CFO blames "seasonal patterns."
- Total net revenue declines slightly from Q3 to $5.6 billion.
- Net interest margin narrows by 45 basis points from Q3, to 6.52% in Q4.
- Guides for 2013 revenue to be consistent with Q4 2012.
- Expects "to return to a meaningful dividend in 2013."
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