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| In millions, except per share items | Dec-31-21 | Dec-31-20 | Dec-31-19 | Dec-31-18 | Dec-31-17 | Dec-31-16 | Dec-31-15 | Dec-31-14 |
| | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K | 10-K |
| Interest income: |
| Interest income on loans | 764.0 | 748.0 | 713.0 | 595.0 | 446.0 | 348.0 | 295.0 | 246.0 |
| Interest income on investments | 46.0 | 70.0 | 77.0 | 86.0 | 80.0 | 68.0 | 59.0 | 39.0 |
| | 810.0 | 819.0 | 794.0 | 683.0 | 527.0 | 417.0 | 355.0 | 286.0 |
| Interest expense: |
| Interest on deposits | 32.0 | 81.0 | 138.0 | 94.0 | 52.0 | 46.0 | 42.0 | 30.0 |
| Interest on borrowings | 13.0 | 12.0 | 7.0 | -4.0 | | | 18.0 | 2.0 |
| | 63.0 | 134.0 | 232.0 | 186.0 | 137.0 | 94.0 | 68.0 | 39.0 |
| Net interest income | 747.0 | 685.0 | 562.0 | 497.0 | 390.0 | 323.0 | 287.0 | 247.0 |
| Provision for loan losses | -112.0 | 149.0 | 18.0 | -8.0 | 6.0 | -8.0 | -19.0 | 132.0 |
| Net interest income after provision for loan losses | 859.0 | 536.0 | 544.0 | 505.0 | 384.0 | 331.0 | 306.0 | 115.0 |
| Deposit and loan fees | | | | | | | 25.0 | 22.0 |
| Other non-interest income | 1,044.0 | 1,310.0 | 610.0 | 439.0 | 470.0 | 487.0 | 988.0 | 350.0 |
| Total non-interest income | 1,044.0 | 1,310.0 | 610.0 | 439.0 | 470.0 | 487.0 | 1,013.0 | 372.0 |
| Non-interest expenses | 1,213.0 | 1,142.0 | 888.0 | 712.0 | 643.0 | 560.0 | 536.0 | 590.0 |
| Pre-tax income before non-recurring items | 701.0 | 717.0 | 281.0 | 237.0 | 211.0 | 258.0 | 240.0 | -91.0 |
| Non-recurring items | 11.0 | 13.0 | 15.0 | 5.0 | | | | 12.0 |
| Pre-tax income | 690.0 | 704.0 | 266.0 | 232.0 | 211.0 | 258.0 | 240.0 | -103.0 |
| Income taxes | 157.0 | 166.0 | 48.0 | 45.0 | 148.0 | 87.0 | 82.0 | -34.0 |
| Tax rate | 22.8% | 23.6% | 18.0% | 19.4% | 70.1% | 33.7% | 34.2% | 33.0% |
| Net income | 533.0 | 538.0 | 218.0 | 187.0 | 63.0 | 171.0 | 158.0 | -70.0 |
| Net margin | 28.0% | 29.1% | 18.9% | 19.8% | 7.4% | 20.9% | 12.0% | -14.4% |
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| Basic EPS | $10.10 | $9.59 | $3.85 | $3.25 | $1.10 | $3.02 | $2.80 | ($1.24) |
| Diluted EPS | $9.96 | $9.52 | $3.81 | $3.21 | $1.08 | $2.97 | $2.76 | ($1.24) |
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| Shares outstanding (basic) | 52.8 | 56.1 | 56.6 | 57.5 | 57.1 | 56.6 | 56.4 | 56.2 |
| Shares outstanding (diluted) | 53.5 | 56.5 | 57.2 | 58.3 | 58.2 | 57.6 | 57.2 | 56.2 |
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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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