Net interest margin is likely to increase 1-2 basis points, on the assumption of no change in the company's liquidity position. Let's check out the other main factors that are likely to influence KeyCorp's fourth-quarter performance: Slight non-interest income growth: KeyCorp's fourth-quarter non-interest income will likely benefit from a rise in service charge on deposits as deposit balances are expected to improve. Seasonal slowdown and lower debt placement activities are expected to hamper KeyCorp's investment banking performance to some extent. Also, decline in global M&A deal volume in the quarter will likely hamper the company's advisory fees to some extent. Nonetheless, strong M&A deal pipeline over the prior quarters will likely provide respite. Further, mortgage banking fees are not expected to improve much, mainly due to a slowdown in refinancing activities due to higher rates and lower mortgage originations.