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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 8-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 8-K |
| Interest income: |
| Interest income on loans | | 882.9 | 1,029.4 | 1,006.5 | 570.8 | 390.8 | 292.5 | |
| Interest income on investments | | 123.7 | 150.6 | 177.0 | 102.5 | 66.2 | 51.4 | |
| | 917.9 | 1,014.0 | 1,202.5 | 1,208.5 | 682.4 | 461.6 | 348.1 | 262.3 |
| Interest expense: |
| Interest on deposits | | 105.6 | 192.4 | 130.1 | 56.1 | 33.2 | 17.5 | 9.9 |
| Interest on borrowings | 22.4 | | | | | | | 20.0 |
| | 50.3 | 149.1 | 283.6 | 241.1 | 9,256.7 | 57.3 | 3,234.6 | 29.9 |
| Net interest income | 867.6 | 864.9 | 918.9 | 967.4 | 576.1 | 404.3 | 311.2 | 232.3 |
| Provision for loan losses | | | 46.0 | 46.0 | 26.0 | 20.0 | 15.7 | 19.1 |
| Net interest income after provision for loan losses | 867.6 | 864.9 | 872.9 | 921.4 | 550.1 | 384.3 | 295.5 | 213.2 |
| Deposit and loan fees | | | | | | | 15.9 | |
| Gain on sale of investments, net | | | | | | | 4.8 | |
| Other non-interest income | 136.0 | 135.6 | 130.9 | 103.2 | 64.2 | 71.0 | 42.0 | |
| Total non-interest income | 136.0 | 135.6 | 130.9 | 103.2 | 64.2 | 71.0 | 62.8 | 52.2 |
| Non-interest expenses | 495.9 | 492.4 | 463.8 | 458.4 | 433.4 | 247.9 | 260.3 | 181.3 |
| Pre-tax income before non-recurring items | 527.7 | 269.0 | 566.2 | 586.8 | 220.2 | 207.6 | 115.0 | 85.1 |
| Non-recurring items | 14.8 | | 26.2 | 20.5 | 39.2 | 0.3 | 17.1 | 0.9 |
| Asset impairment | | 13.3 | | | | | | |
| Pre-tax income | 513.0 | 255.7 | 540.0 | 566.2 | 181.0 | 207.4 | 97.9 | 84.2 |
| Income taxes | 108.2 | 29.9 | 112.9 | 119.0 | 87.9 | 67.4 | 31.8 | 25.5 |
| Tax rate | 21.1% | 11.7% | 20.9% | 21.0% | 48.6% | 32.5% | 32.5% | 30.3% |
| Net income | 396.9 | 217.9 | 419.1 | 439.3 | 91.0 | 140.0 | 66.1 | 58.7 |
| Net margin | 38.9% | 911.5% | 41.8% | 42.9% | 14.8% | 30.7% | 18.5% | 22.1% |
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| Basic EPS | $2.07 | $1.12 | $2.04 | $1.96 | $0.58 | $1.07 | $0.60 | $0.70 |
| Diluted EPS | $2.07 | $1.12 | $2.03 | $1.95 | $0.58 | $1.07 | $0.60 | $0.70 |
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| Shares outstanding (basic) | 191.7 | 194.1 | 205.7 | 224.3 | 157.5 | 130.6 | 109.9 | 83.6 |
| Shares outstanding (diluted) | 191.7 | 194.4 | 206.1 | 224.8 | 158.1 | 131.2 | 110.3 | 83.9 |
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| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |
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