Overview Financials News + Filings Key Docs Charts Ownership Insiders
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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 on loans | | | | 3,658.0 | 3,183.0 | 3,036.0 | 1,870.0 | 1,911.0 |
| Total interest income | 4,364.0 | 4,368.0 | 4,127.0 | 3,658.0 | 3,196.0 | 3,110.0 | 1,930.0 | 1,973.0 |
| Total interest expense | 937.0 | 1,027.0 | 970.0 | 875.0 | 816.0 | 856.0 | 715.0 | 734.0 |
| Net interest income | 3,427.0 | 3,341.0 | 3,157.0 | 2,783.0 | 2,380.0 | 2,254.0 | 1,215.0 | 1,239.0 |
| Provision for loan losses | | | | | 955.0 | 932.0 | 716.0 | 423.0 |
| Net interest income after provision for loan losses | 3,427.0 | 3,341.0 | 3,157.0 | 2,783.0 | 1,425.0 | 1,322.0 | 499.0 | 816.0 |
| Gain on sale of investments, net | | | | | | | | 8.0 |
| Other non-interest income | 1,075.0 | 526.0 | 622.0 | 574.0 | 560.0 | 773.0 | 262.0 | 738.0 |
| Total non-interest income | 1,075.0 | 526.0 | 622.0 | 574.0 | 560.0 | 773.0 | 262.0 | 746.0 |
| Non-interest expenses | 1,624.0 | 1,571.0 | 1,552.0 | 1,685.0 | 1,554.0 | 1,739.0 | 987.0 | 701.0 |
| Pre-tax income before non-recurring items | 1,741.0 | 977.0 | 1,098.0 | 642.0 | 431.0 | 464.0 | -164.0 | 861.0 |
| Non-recurring items | | | | 18.0 | | 108.0 | 62.0 | |
| Pre-tax income | 1,741.0 | 977.0 | 1,098.0 | 624.0 | 431.0 | 356.0 | -226.0 | 861.0 |
| Income taxes | 427.0 | 247.0 | 243.0 | 177.0 | 248.0 | 113.0 | -133.0 | 272.0 |
| Tax rate | 24.5% | 25.3% | 22.1% | 28.4% | 57.5% | 31.7% | 58.8% | 31.6% |
| Minority interest | | | | | | 28.0 | 127.0 | 126.0 |
| Net income | 1,314.0 | 730.0 | 855.0 | 447.0 | 183.0 | 215.0 | -220.0 | 463.0 |
| Net margin | 29.2% | 18.9% | 22.6% | 13.3% | 9.2% | 10.3% | -28.9% | 29.6% |
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| Basic EPS | $9.91 | $5.42 | $6.28 | $3.29 | $1.35 | $1.60 | ($1.72) | $4.03 |
| Diluted EPS | $9.88 | $5.41 | $6.27 | $3.29 | $1.35 | $1.59 | ($1.72) | $4.02 |
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| Shares outstanding (basic) | 132.7 | 134.7 | 136.1 | 135.7 | 135.2 | 134.7 | 127.9 | 114.8 |
| Shares outstanding (diluted) | 133.1 | 134.9 | 136.3 | 136.0 | 135.7 | 135.1 | 127.9 | 115.3 |
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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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