Commercial lending remains the brightest spot for many regional banks' fourth-quarter results, but there are also some glimmers of hope in consumer businesses.

Executives at Fifth Third Bancorp (FITB) in Cincinnati and KeyCorp (KEY) in Cleveland were hopeful about consumer confidence improving and possibly leading to more opportunities this year. Their outlook reflected that of other executives, including Richard Davis at U.S. Bancorp (USB), who predicted that 2014 may be better for banks.

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