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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

____________________________________

FORM 10-Q

____________________________________

☒			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2021

OR

☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from              to             

Commission File No. 001-13300

____________________________________

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒  No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

As of April 30, 2021, there were 451,489,343 shares of the registrant’s Common Stock outstanding.

TABLE OF CONTENTS

						Page
PART I—FINANCIAL INFORMATION						4
Item 1.			Financial Statements and Notes			64
			Consolidated Statements of Income			65
			Consolidated Statements of Comprehensive Income			66
			Consolidated Balance Sheets			67
			Consolidated Statements of Changes in Stockholders’ Equity			68
			Consolidated Statements of Cash Flows			69
			Notes to Consolidated Financial Statements			71
			Note 1—Summary of Significant Accounting Policies			71
			Note 2—Investment Securities			73
			Note 3—Loans			76
			Note 4—Allowance for Credit Losses and Reserve for Unfunded Lending Commitments			85
			Note 5—Variable Interest Entities and Securitizations			88
			Note 6—Goodwill and Intangible Assets			92
			Note 7—Deposits and Borrowings			93
			Note 8—Derivative Instruments and Hedging Activities			94
			Note 9—Stockholders’ Equity			102
			Note 10—Earnings Per Common Share			105
			Note 11—Fair Value Measurement			106
			Note 12—Business Segments and Revenue from Contracts with Customers			112
			Note 13—Commitments, Contingencies, Guarantees and Others			115
Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”)			4
			Introduction			4
			Selected Financial Data			6
			Executive Summary and Business Outlook			9
			Consolidated Results of Operations			11
			Consolidated Balance Sheets Analysis			16
			Off-Balance Sheet Arrangements			18
			Business Segment Financial Performance			18
			Critical Accounting Policies and Estimates			27
			Accounting Changes and Developments			28
			Capital Management			28
			Risk Management			34
			Credit Risk Profile			35
			Liquidity Risk Profile			48
			Market Risk Profile			50
			Supervision and Regulation			54
			Forward-Looking Statements			55
			Supplemental Table			57
			Glossary and Acronyms			58

Item 3.			Quantitative and Qualitative Disclosures about Market Risk			118
Item 4.			Controls and Procedures			118
PART II—OTHER INFORMATION						119
Item 1.			Legal Proceedings			119
Item 1A.			Risk Factors			119
Item 2.			Unregistered Sales of Equity Securities and Use of Proceeds			119
Item 3.			Defaults Upon Senior Securities			119
Item 4.			Mine Safety Disclosures			119
Item 5.			Other Information			119
Item 6.			Exhibits			119
EXHIBIT INDEX						120
SIGNATURES						121