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Overall, Wells Fargo posted Return on Assets (ROA) of 1.53% anda Return on Equity (ROE) of 14%. The silver lining came from lowercredit costs which should continue to support earnings. The BaselIII Tier 1 common ratio was 9.54% (versus 8.54% last quarter),implying an improved company credit profile and refinements forcommercial portfolios.
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