kriti: kristina hooper of invesco, we thank you as always. coming up on the show, -- our conversation with ceo anthony noto is coming up next. stick with us. this is bloomberg. ♪ kriti: this is bloomberg markets. sofi says it expects to be profitable by the end of the year and shares are surging 13% and comes at a time where many thin talks are struggling to cut costs and function. we are joined by and delete -- by anthony noto. let's start off with a basic question. how 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 fu