{"schema_version":"secwatch.filing_event.v1","accession":"0000811830-24-000013","form_type":"8-K","ticker":"SNUS-PI","cik":"0000811830","company_name":"Santander Holdings USA, Inc.","filed_at":"2024-03-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.986317+00:00","generated_at":"2026-06-05T05:08:55.988093+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":"medium","headline":"Santander Holdings USA posts Q4 2023 net loss of $58M; NII declines to $1.4B","bullets":["Net loss of $58M in Q4 2023 vs net income of $120M in Q3 2023; pre-tax loss of $149M.","Net interest income (NII) fell to $1,403M in Q4 2023 from $1,471M in Q3 2023.","Allowance for credit losses ratio rose to 7.5% from 7.0% in Q3 2023; total ACL $6.99B.","CET1 ratio was 12.4% at Dec 31, 2023, down from 12.8% at Sep 30, 2023.","Moody's upgraded SHUSA senior debt rating to Baa2 in Q3 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000811830-24-000013","json":"https://secwatch.observer/filing/0000811830-24-000013.json","markdown":"https://secwatch.observer/filing/0000811830-24-000013.md","text":"https://secwatch.observer/filing/0000811830-24-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811830/000081183024000013/0000811830-24-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811830/000081183024000013/sov-20240304.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T05:08:55.988093+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"}