Overview Financials News + Filings Key Docs Charts Holdings Ownership Insiders
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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 |
| | 8-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 1,828.5 | 1,257.4 | 1,284.7 | 1,198.9 | 3,737.0 | 734.5 | 680.9 | 822.7 |
| Interest income on investments | 123.7 | 67.7 | 84.8 | 104.3 | 108.8 | 88.1 | 73.7 | 66.6 |
| | 1,976.7 | 1,334.2 | 1,383.7 | 1,321.0 | 1,159.2 | 834.2 | 761.9 | 707.0 |
| Interest expense: |
| Interest on borrowings | 17.5 | | | | | | | |
| | 321.0 | 1,342.7 | 264.8 | 3,458.8 | 3,978.6 | 174.1 | 148.8 | 1,421.0 |
| Net interest income | 1,655.6 | 1,209.9 | 1,118.9 | 898.0 | 857.2 | 660.0 | 613.1 | 550.3 |
| Provision for loan losses | | 32.6 | 125.7 | 24.2 | 32.5 | 9.9 | 11.9 | 8.1 |
| Net interest income after provision for loan losses | 1,655.6 | 1,177.3 | 993.2 | 873.8 | 824.7 | 650.1 | 601.2 | 542.2 |
| Deposit and loan fees | 36.9 | | | | | | | 21.2 |
| Gain on sale of investments, net | | | | | | | | 2.5 |
| Other non-interest income | 169.9 | 155.0 | 183.0 | 214.5 | 134.1 | 111.7 | 108.3 | 60.1 |
| Total non-interest income | 206.8 | 155.0 | 183.0 | 214.5 | 134.1 | 111.7 | 108.3 | 83.8 |
| Non-interest expenses | 1,024.9 | 691.5 | 646.1 | 631.6 | 629.1 | 509.1 | 476.1 | 499.1 |
| Pre-tax income before non-recurring items | 780.7 | 641.6 | 528.2 | 535.1 | 327.3 | 252.7 | 233.4 | 126.9 |
| Non-recurring items | | 0.9 | -1.9 | 78.3 | -2.4 | | | |
| Pre-tax income | 780.7 | 640.7 | 530.1 | 456.8 | 329.7 | 252.7 | 233.4 | 126.9 |
| Income taxes | 211.8 | 166.9 | 139.5 | 147.0 | 68.3 | 90.8 | 65.2 | 23.9 |
| Tax rate | 27.1% | 26.0% | 26.3% | 32.2% | 20.7% | 35.9% | 28.0% | 18.9% |
| Net income | 555.7 | 461.2 | 377.9 | 297.1 | 248.7 | 152.5 | 161.0 | 99.1 |
| Net margin | 29.8% | 34.6% | 32.1% | 27.3% | 25.9% | 20.0% | 22.7% | 15.8% |
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| Basic EPS | | $1.13 | $0.94 | $0.88 | $0.75 | $0.58 | $0.63 | $0.42 |
| Diluted EPS | | $1.12 | $0.93 | $0.87 | $0.75 | $0.58 | $0.63 | $0.42 |
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| Shares outstanding (basic) | | 407.4 | 403.8 | 337.8 | 331.3 | 264.0 | 254.8 | 234.4 |
| Shares outstanding (diluted) | | 410.0 | 405.0 | 340.1 | 332.7 | 264.9 | 255.3 | 234.4 |
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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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