I'd expect some small improvement on operation side. Maybe pretax, pre-credit operating income around 1.5% on asset It would not be disappointing if it turns out to be 1.4%, as was in 3Q12, due to low rate & flat yield curve.
Credit side has been disappointing, but three quarters in a row is not likely. The competitors around it did not seems have such bad luck.
Not sure if the management can reform itself from the pattern of being sooth teller only to turn truth teller till the last minute, but I still expect better reports.