{"schema_version":"secwatch.filing_event.v1","accession":"0000811830-23-000041","form_type":"8-K","ticker":"SNUS-PI","cik":"0000811830","company_name":"Santander Holdings USA, Inc.","filed_at":"2023-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.069841+00:00","generated_at":"2026-06-08T22:54:52.041322+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 reports Q3 2023 net income $120M; pre-tax loss $28M, NII down 8% YoY","bullets":["Net income $120M vs $228M Q3 2022; pre-tax loss $28M vs income $304M YoY.","Net interest income $1,471M, down 8% YoY from $1,599M; PPNR $828M vs $940M.","CET1 ratio 12.8%, Tier 1 risk-based 10.3%, total risk-based 14.2%, all stable or slightly up.","Moody's upgraded SHUSA senior debt to Baa2; S&P affirmed BBB+ with stable outlook.","Auto loans 27% of assets; consumer net charge-off rate 2.00%, commercial 0.40%."],"urls":{"canonical":"https://secwatch.observer/filing/0000811830-23-000041","json":"https://secwatch.observer/filing/0000811830-23-000041.json","markdown":"https://secwatch.observer/filing/0000811830-23-000041.md","text":"https://secwatch.observer/filing/0000811830-23-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000041/0000811830-23-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000041/sov-20231103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T22:54:52.041322+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"}