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| In millions, except per share items | Dec-31-15 | Dec-31-14 | Dec-31-13 | Dec-31-12 | Dec-31-11 | Dec-31-10 | Dec-31-09 | Dec-31-08 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 849.0 | 847.0 | 845.0 | 814.0 | 705.0 | 496.0 | 360.7 | 377.0 |
| | 1,198.0 | 1,207.0 | 1,210.0 | 1,176.0 | 1,065.0 | 745.6 | 490.8 | 441.1 |
| Interest expense: |
| Interest on deposits | 66.0 | 53.0 | 53.0 | 67.0 | 83.0 | 71.2 | 73.6 | 118.7 |
| Interest on borrowings | 76.0 | 69.0 | 64.0 | 86.0 | 101.0 | 76.7 | | 53.9 |
| | 142.0 | 122.0 | 117.0 | 153.0 | 184.0 | 147.8 | 126.4 | 172.6 |
| Net interest income | 1,056.0 | 1,086.0 | 1,093.0 | 1,023.0 | 881.0 | 597.8 | 364.4 | 268.6 |
| Provision for loan losses | 76.0 | 96.0 | 105.0 | 92.0 | 58.0 | 48.6 | 43.7 | 22.5 |
| Net interest income after provision for loan losses | 980.0 | 990.0 | 988.0 | 931.0 | 823.0 | 549.1 | 320.8 | 246.1 |
| Deposit and loan fees | 88.0 | 90.0 | 104.0 | 91.0 | 66.0 | 56.1 | | |
| Gain on sale of investments, net | | | | | | | 2.0 | |
| Other non-interest income | 254.0 | 220.0 | 262.0 | 269.0 | 179.0 | 130.5 | 124.0 | |
| Total non-interest income | 342.0 | 310.0 | 366.0 | 360.0 | 245.0 | 186.6 | 126.0 | 115.7 |
| Non-interest expenses | 1,019.0 | 2,124.0 | 931.0 | 1,051.0 | 806.0 | 523.3 | 326.7 | 228.4 |
| Pre-tax income before non-recurring items | 337.0 | 298.0 | 423.0 | 423.0 | 403.0 | 262.3 | 156.5 | 135.6 |
| Non-recurring items | 35.0 | 1,122.0 | | 184.0 | 141.0 | 49.9 | 36.5 | 2.2 |
| Pre-tax income | 302.0 | -824.0 | 423.0 | 239.0 | 262.0 | 212.4 | 120.1 | 133.4 |
| Income taxes | 79.0 | -109.0 | 128.0 | 71.0 | 88.0 | 72.1 | 40.7 | 45.0 |
| Tax rate | 26.2% | 13.2% | 30.3% | 29.7% | 33.6% | 33.9% | 33.9% | 33.7% |
| Net income | 193.0 | -745.0 | 265.0 | 141.0 | 174.0 | 140.4 | 67.3 | 87.3 |
| Net margin | 14.6% | -57.3% | 19.6% | 10.9% | 16.3% | 19.1% | 15.1% | 24.1% |
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| Basic EPS | $0.55 | ($2.13) | $0.76 | $0.40 | $0.64 | $0.70 | $0.46 | $0.81 |
| Diluted EPS | $0.55 | ($2.13) | $0.76 | $0.40 | $0.64 | $0.70 | $0.46 | $0.81 |
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| Shares outstanding (basic) | 351.0 | 350.0 | 350.0 | 349.0 | 271.0 | 200.3 | 146.8 | 107.5 |
| Shares outstanding (diluted) | 353.0 | 350.0 | 350.0 | 349.0 | 272.0 | 200.6 | 147.2 | 108.2 |
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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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