GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

SNUS-PH · Dec 31, 2023

Santander Holdings USA, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000811830-24-000010Bank
Sequential deposit growth30thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.51% · CORE · VALID

Net-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-33.60% · CORE · VALID

Interest-expense growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

188.41% · CORE · VALID

Interest-income growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

46.71% · CORE · VALID

Cash and equivalents80thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$13.1B · CORE · VALID

Sequential loan growth0thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-3.26% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History65 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-2.53%
Current
-0.51%
Delta
2.02%
Earnings Growth Increased
Previous
-47.44%
Current
-33.60%
Delta
13.84%
Funding Cost Growth Increased
Previous
162.58%
Current
188.41%
Delta
25.83%
Interest Income Growth Increased
Previous
40.65%
Current
46.71%
Delta
6.07%
Liquidity Increased
Previous
$10.7B
Current
$13.1B
Delta
$2.4B
Loan Growth Decreased
Previous
-2.23%
Current
-3.26%
Delta
-1.03%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.