{"schema_version":"secwatch.filing_event.v1","accession":"0000811830-23-000018","form_type":"8-K","ticker":"SNUS-PI","cik":"0000811830","company_name":"Santander Holdings USA, Inc.","filed_at":"2023-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.331047+00:00","generated_at":"2026-06-15T11:07:27.164758+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Santander Holdings USA Q1 net income $325M, down 58% YoY; CET1 falls to 12.7%","bullets":["Q1 2023 net income $325M vs $778M in Q1 2022; pre-tax income $325M, up from $121M in Q4 2022.","Pre-provision net revenue $867M, down 13% YoY; net interest income $1.51B, up 2% YoY but down QoQ.","Total deposits $78B, uninsured $27.1B; liquidity coverage ratio 108% with $29.2B available sources.","CET1 ratio 12.7% (down from 13.2% in Q4 2022 and 18.5% in Q1 2022); Tier 1 leverage 9.7%.","Total auto originations $6.2B, down 17% YoY; SBNA originations $2.6B, up 26% YoY. Declared $250M dividend to parent."],"urls":{"canonical":"https://secwatch.observer/filing/0000811830-23-000018","json":"https://secwatch.observer/filing/0000811830-23-000018.json","markdown":"https://secwatch.observer/filing/0000811830-23-000018.md","text":"https://secwatch.observer/filing/0000811830-23-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000018/0000811830-23-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000018/sov-20230508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T11:07:27.164758+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}