{"schema_version":"secwatch.filing_event.v1","accession":"0000811830-23-000029","form_type":"8-K","ticker":"SNUS-PI","cik":"0000811830","company_name":"Santander Holdings USA, Inc.","filed_at":"2023-08-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.709357+00:00","generated_at":"2026-06-12T05:17:20.650199+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"medium","headline":"Santander Holdings USA Q2 2023 net interest income flat at $112M, pre-tax income down 4% QoQ to $171M","bullets":["Net interest income of $112M in Q2 2023, flat vs Q1 2023 and up 3% YoY from $109M.","Pre-tax income of $171M vs $178M in Q1 2023; net income also $171M (slide appears to show same figure).","CET1 ratio improved to 10.0% from 9.7% in Q1; total risk-based capital ratio 12.8% vs 12.7%.","Total funding $45.6B, down 1% from Q1; FHLB borrowings surged 215% YoY to $8.7B.","Pre-provision net revenue (PPNR) stable at $79M for Q2, unchanged from prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000811830-23-000029","json":"https://secwatch.observer/filing/0000811830-23-000029.json","markdown":"https://secwatch.observer/filing/0000811830-23-000029.md","text":"https://secwatch.observer/filing/0000811830-23-000029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000029/0000811830-23-000029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000029/sov-20230807.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T05:17:20.650199+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"}