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| In millions, except per share items | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 |
| | 10-K | 10-K | 10-K | 10-K/A | 10-K | 10-K | 10-K | 10-K |
| Interest income on loans | 104.0 | 128.0 | 157.0 | 191.0 | 230.0 | | | |
| Total interest income | 2,111.0 | 2,009.0 | 1,571.0 | 1,233.0 | 1,215.0 | 1,279.0 | 1,207.0 | 1,371.0 |
| Interest expense: |
| Interest on deposits | | | | 3.0 | 4.0 | 8.0 | 13.0 | 24.0 |
| | -259.0 | -163.0 | -86.0 | -85.0 | -194.0 | -318.0 | 13.0 | 24.0 |
| Net interest income | 1,852.0 | 1,846.0 | 1,485.0 | 1,148.0 | 1,021.0 | 961.0 | 1,220.0 | 1,395.0 |
| Provision for loan losses | | | | | | | | 355.0 |
| Net interest income after provision for loan losses | 1,852.0 | 1,846.0 | 1,485.0 | 1,148.0 | 1,021.0 | 961.0 | 1,220.0 | 1,040.0 |
| Deposit and loan fees | | | | | 210.0 | 200.0 | 168.0 | 122.0 |
| Gain on sale of investments, net | -23.0 | 53.0 | 28.0 | 42.0 | | | -3.0 | -17.0 |
| Other non-interest income | 1,057.0 | 974.0 | 853.0 | 751.0 | 812.0 | 543.0 | 589.0 | 710.0 |
| Total non-interest income | 1,034.0 | 1,027.0 | 881.0 | 793.0 | 1,022.0 | 743.0 | 754.0 | 815.0 |
| Non-interest expenses | 1,618.0 | 1,541.0 | 1,470.0 | 1,252.0 | 1,319.0 | 1,216.0 | 1,275.0 | 1,162.0 |
| Equity in earnings | | | | 53.0 | 38.0 | 42.0 | 4.0 | 1.0 |
| Pre-tax income before non-recurring items | 1,342.0 | 1,425.0 | 1,079.0 | 873.0 | 108.0 | 460.0 | 365.0 | -123.0 |
| Non-recurring items | 23.0 | 7.0 | 15.0 | 35.0 | 17.0 | 8.0 | 170.0 | 8.0 |
| Pre-tax income | 1,319.0 | 1,418.0 | 1,064.0 | 838.0 | 91.0 | 452.0 | 195.0 | -131.0 |
| Income taxes | 364.0 | 366.0 | 450.0 | 286.0 | -177.0 | 159.0 | 109.0 | -18.0 |
| Tax rate | 27.6% | 25.8% | 42.3% | 34.1% | | 35.2% | 55.9% | 13.7% |
| Net income | 915.0 | 1,016.0 | 589.0 | 552.0 | 268.0 | 293.0 | 86.0 | -113.0 |
| Net margin | 31.7% | 35.4% | 24.9% | 28.4% | 19.6% | 17.2% | 5.0% | -5.9% |
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| Basic EPS | $3.85 | $3.90 | $2.16 | $1.99 | $0.92 | $1.01 | $0.30 | ($0.40) |
| Diluted EPS | $3.85 | $3.88 | $2.15 | $1.98 | $0.91 | $1.00 | $0.29 | ($0.40) |
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| Shares outstanding (basic) | 237.4 | 260.6 | 273.2 | 277.8 | 290.8 | 288.7 | 287.0 | 285.7 |
| Shares outstanding (diluted) | 237.9 | 261.7 | 274.4 | 279.0 | 295.0 | 294.1 | 292.6 | 285.7 |
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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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