we are joined by and delete -- by anthony noto. let's start off with a basic question.ow high kennett in strictest -- can net interest income really go? anthony: i appreciate the times of our earnings results. the net interest margin -- we have about 6% market share in unsecured personal loans and there is meaningful upside as it relates to the market share and as it relates to the spread between the rate that we arch and our cost of funding, we have been able to pass along a large percentage of rate increases on the back of the fed funds rate increases for the year and our cost of funding has gone down. because we had the national bank charter, we are able to fund our loans at about 190 basis points lower than what we would have otherwise to the -- thank mike -- bank lysis and our cost of funding is going down relative to the interest rates two-week -- that we charge. they cap times the volume we have is driving the revenue stream and it is an important string that is recurring. those are relationships with tech partners that license our payments platform and we have a

sending shares up 50% since the start of the year with us in a first on cnbc interview, sofi ceo anthony notonthony, wow why is the market surprised at this what led to these results? and tell us a bit about personal loan originations, which are a bit lower than some might have expected. >> thank you, jon, for having me on we reported our seventh consecutive quarter of record revenue with growth of 58% year over year, which is an acceleration and year over year growth to what we did in the first quarter with 55% we combined that with strong profitability. 70 million of ebitda, up 55% compared to q3 we finished the year with a strong quarter we finished the year with $1.5 billion of revenue, up 50% year over year. our member base grew very meaningfully ending at 5.2 million members, and we had strong product growth from cross-buying the strategy is really coming together our national bank charter has put the wind at our back we're offering 3.75% interest on savings and 2.5% on checking we're doing that in a way that's very unique. there's no fees, free overdraft protection, full function on yo

to the man in charge who's been there during the tough times, ceo anthony noto.out to us was that your major growth in deposits was, to me, pretty significant. quarter over quarter you saw an additional 2.3 billion in deposits. what should investors glean from the fact that more and more people are parking money in sofi? >> liz, first, thanks for having me on again. you've been great to do that each quarter, we really appreciate it. you hit the nail on the head. the deposit growth is a key drivers of our ability to make the whole strategy work. our goal is to be a one-stop shop for financial services products, and we want to make sure that we're building relationships on a daily basis with our members so that we can be there for the big decisions they have to make financial ily like buying a home or paying for an education, etc. but it really starts with the checking and savings accounts. so we've tried to really differentiate that product. we have 3.75% interest on savings, 2.5% on checking. and that differentiation is coming through with the growth in deposits

. >>> coming up at the top of the hour, don't miss our big interview with sofi's anthony noto new customersht! but what if i'm already a customer? oh! no problem! hey, cam? wow! same deal! yeah! it's kind of our thing. what if i'm new to at&t? cam, can you? - nice! - hey! but what about for existing cus- it's the same deal! is he okay? at at&t, we give everyone our best deals on every smartphone. get up to $1000 off on our most popular smartphones. >>> before we go, we continue to keep an eye on the energy complex, specifically nat gas. it's now down 65% over the last six months we're hitting the lowest level since april of 2021. on pace for the worst month, worst january since the start of the year going back to january of 2001. of course, we have opec plus as well, so crude will be in focus this week as well. >> it's looking good to me as all of us have our home heating bills to think about that's go to do it for us on "squawk on the street. big cap tech losing ground this morning. certainly to be a topic on "techcheck," which starts now. >>> good monday morning, welcome to teck czech. i'