| In millions, except per share items | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 10-K | 10-K | 10-K | 10-K | 10-K/A | 10-K | S-1 |
| Interest income: |
| Interest income on loans | 648.1 | 796.3 | 470.1 | 359.3 | 305.6 | 272.4 | 271.4 |
| Interest income on investments | 58.6 | 48.8 | 33.3 | 31.4 | 24.6 | 16.8 | 13.2 |
| | 711.2 | 860.1 | 512.7 | 396.9 | 335.3 | 293.1 | 287.2 |
| Total interest expense | 92.2 | 208.9 | 124.9 | 70.7 | 55.8 | 45.3 | 32.2 |
| Net interest income | 619.0 | 651.2 | 387.7 | 326.2 | 279.4 | 247.8 | 255.1 |
| Provision for loan losses | 278.0 | 111.0 | 12.7 | 9.7 | 49.3 | 36.0 | 14.1 |
| Net interest income after provision for loan losses | 340.9 | 540.1 | 375.0 | 316.5 | 230.1 | 211.8 | 241.0 |
| Deposit and loan fees | 23.1 | 20.5 | 15.4 | 15.3 | 13.8 | 12.5 | 11.7 |
| Gain on sale of investments, net | 6.7 | 2.0 | -1.9 | -0.1 | 3.7 | 1.2 | 0.7 |
| Other non-interest income | 277.5 | 108.4 | 81.1 | 84.7 | 70.9 | 66.3 | 62.7 |
| Total non-interest income | 307.4 | 130.9 | 94.6 | 99.9 | 88.4 | 79.9 | 75.1 |
| Non-interest expenses | 826.5 | 408.8 | 258.3 | 233.4 | 220.2 | 232.3 | 245.1 |
| Pre-tax income before non-recurring items | 271.3 | 292.4 | 218.1 | 187.3 | 101.0 | 62.5 | 73.4 |
| Non-recurring items | 449.5 | 30.1 | 6.7 | 4.3 | 2.7 | 3.2 | 2.5 |
| Pre-tax income | -178.2 | 262.3 | 211.4 | 183.0 | 98.3 | 59.4 | 70.9 |
| Income taxes | 27.3 | 60.3 | 45.1 | 80.6 | 32.5 | 20.1 | 26.1 |
| Tax rate | | 23.0% | 21.3% | 44.1% | 33.1% | 33.9% | 36.8% |
| Net income | -205.5 | 202.0 | 166.3 | 102.4 | 65.8 | 39.3 | 41.2 |
| Net margin | -31.7% | 30.1% | 35.4% | 24.6% | 20.7% | 13.5% | 13.0% |
| |
| Basic EPS | ($1.63) | $1.57 | $1.99 | $1.26 | $0.88 | $0.52 | $0.55 |
| Diluted EPS | ($1.63) | $1.57 | $1.97 | $1.25 | $0.87 | $0.52 | $0.55 |
| |
| Shares outstanding (basic) | 126.1 | 128.9 | 83.6 | 81.1 | 75.0 | 75.0 | 75.0 |
| Shares outstanding (diluted) | 126.1 | 129.0 | 84.4 | 81.6 | 75.3 | 75.1 | 75.0 |
| |
| EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges. |