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 | 1,507.7 | 1,133.5 | 1,157.2 | 1,228.5 | 1,044.5 | 856.5 | 726.0 | 651.8 |
| Interest income on investments | | | | | | | | 61.0 |
| Interest income on trading account | | | | | | | | 0.1 |
| Interest income on repurchase agreements | | 0.2 | 0.1 | 0.7 | 0.0 | 0.0 | 0.0 | 0.0 |
| | 1,747.4 | 1,275.5 | 1,293.0 | 1,385.1 | 1,170.8 | 946.5 | 812.5 | 718.5 |
| Interest expense: |
| Interest on deposits | 175.2 | 88.1 | 189.2 | 278.9 | 166.6 | 83.3 | 58.4 | 48.9 |
| Interest on borrowings | | 19.6 | 18.2 | 9.9 | 12.4 | 8.8 | 10.9 | 9.1 |
| | 252.1 | 150.5 | 253.1 | 330.2 | 205.9 | 114.4 | 90.3 | 76.9 |
| Net interest income | 1,495.4 | 1,125.0 | 1,039.9 | 1,054.9 | 964.9 | 832.1 | 722.2 | 641.5 |
| Provision for loan losses | | -59.3 | 214.2 | 53.9 | 34.8 | 29.8 | 34.1 | 32.9 |
| Net interest income after provision for loan losses | 1,495.4 | 1,184.2 | 825.7 | 1,001.1 | 930.1 | 802.3 | 688.1 | 608.6 |
| Deposit and loan fees | 58.6 | | | | | | | 27.4 |
| Gain on sale of investments, net | | 1.1 | 0.2 | 0.9 | 0.0 | 0.0 | 7.6 | 0.3 |
| Other non-interest income | 402.5 | 585.0 | 604.0 | 406.3 | 356.1 | 319.5 | 317.8 | 243.9 |
| Total non-interest income | 461.1 | 586.1 | 604.2 | 407.2 | 356.2 | 319.5 | 325.4 | 271.6 |
| Non-interest expenses | 1,177.3 | 1,132.5 | 1,040.1 | 928.1 | 826.1 | 731.8 | 681.7 | 628.4 |
| Pre-tax income | 700.6 | 637.8 | 389.8 | 480.1 | 460.1 | 390.0 | 331.9 | 251.8 |
| Income taxes | 190.9 | 171.6 | 96.8 | 124.4 | 117.0 | 132.3 | 125.0 | 95.0 |
| Tax rate | 27.2% | 26.9% | 24.8% | 25.9% | 25.4% | 33.9% | 37.7% | 37.7% |
| Net income | 481.7 | 438.2 | 271.6 | 347.5 | 335.0 | 247.9 | 192.4 | 145.9 |
| Net margin | 24.6% | 24.8% | 19.0% | 24.7% | 26.0% | 22.1% | 19.0% | 16.6% |
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| Basic EPS | $8.14 | $7.69 | $4.72 | $6.11 | $5.95 | $4.53 | $3.83 | $3.05 |
| Diluted EPS | $8.14 | $7.58 | $4.68 | $6.03 | $5.86 | $4.37 | $3.54 | $2.81 |
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| Shares outstanding (basic) | 59.2 | 57.0 | 57.5 | 56.9 | 56.3 | 54.7 | 50.3 | 47.8 |
| Shares outstanding (diluted) | 59.2 | 57.8 | 58.0 | 57.6 | 57.2 | 56.7 | 54.3 | 51.9 |
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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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