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| In millions, except per share items | Dec-31-22 | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 2,048.3 | 1,424.9 | 1,464.4 | 1,717.4 | 1,503.5 | 1,198.4 | 1,035.4 | 968.6 |
| Interest income on investments | 198.9 | 144.0 | 82.6 | | | 58.7 | 53.4 | 41.4 |
| | 2,321.2 | 1,618.7 | 1,595.0 | 1,882.3 | 1,651.7 | 1,325.1 | 1,137.5 | 1,053.8 |
| Interest expense: |
| Interest on deposits | 251.8 | 69.2 | 184.7 | 375.8 | 234.8 | 116.4 | 84.2 | 73.5 |
| Interest on borrowings | 3.6 | 6.9 | 15.3 | 18.5 | 11.8 | 8.8 | 6.3 | 4.3 |
| | 275.4 | 87.2 | 217.8 | 414.5 | 265.2 | 140.1 | 104.8 | 103.4 |
| Net interest income | 2,045.9 | 1,531.6 | 1,377.2 | 1,467.8 | 1,386.5 | 1,185.1 | 1,032.6 | 950.4 |
| Provision for loan losses | 73.5 | -35.0 | 210.7 | 98.7 | 64.3 | 46.3 | 27.5 | 14.2 |
| Net interest income after provision for loan losses | 1,972.4 | 1,566.6 | 1,166.5 | 1,369.1 | 1,322.3 | 1,138.8 | 1,005.2 | 936.2 |
| Other non-interest income | 298.7 | 285.9 | 235.5 | 222.2 | 217.4 | 257.7 | 182.3 | 183.4 |
| Total non-interest income | 298.7 | 285.9 | 235.5 | 222.2 | 217.4 | 257.7 | 182.3 | 183.4 |
| Non-interest expenses | 859.4 | 796.1 | 716.3 | 747.5 | 721.0 | 661.5 | 615.2 | 540.9 |
| Pre-tax income before non-recurring items | 1,411.7 | 1,056.4 | 685.8 | 852.4 | 858.9 | 827.7 | 578.2 | 595.1 |
| Non-recurring items | | | | 8.4 | 40.3 | 92.6 | 6.0 | 16.4 |
| Pre-tax income | 1,411.7 | 1,056.4 | 685.8 | 843.9 | 818.7 | 735.1 | 572.2 | 578.7 |
| Income taxes | 283.6 | 183.4 | 118.0 | 169.9 | 115.0 | 229.5 | 140.5 | 194.0 |
| Tax rate | 20.1% | 17.4% | 17.2% | 20.1% | 14.0% | 31.2% | 24.6% | 33.5% |
| Net income | 1,128.1 | 873.0 | 567.8 | 674.0 | 703.7 | 505.6 | 431.7 | 384.7 |
| Net margin | 49.7% | 47.1% | 40.5% | 42.4% | 45.7% | 36.2% | 36.4% | 34.4% |
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| Basic EPS | $7.98 | $6.16 | $3.99 | $4.63 | $4.86 | $3.50 | $3.00 | $2.67 |
| Diluted EPS | $7.92 | $6.10 | $3.97 | $4.61 | $4.81 | $3.47 | $2.97 | $2.66 |
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| Shares outstanding (basic) | 141.3 | 141.8 | 142.3 | 145.5 | 144.9 | 144.4 | 144.1 | 143.8 |
| Shares outstanding (diluted) | 142.5 | 143.1 | 143.0 | 146.2 | 146.2 | 145.9 | 145.2 | 144.5 |
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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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