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

SNUS-PH · Dec 31, 2022

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

Filing0000811830-23-000005Bank
Sequential deposit growth85thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

4.33% · CORE · VALID

Net-income growth25thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-52.89% · CORE · VALID

Interest-expense growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

103.62% · CORE · VALID

Interest-income growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

15.47% · CORE · VALID

Cash and equivalents53thOwn-history percentile · N=19
Evidence method

Level · gp.fundamentals.cash

$10.2B · CORE · VALID

Sequential loan growth40thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

0.45% · 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
1.84%
Current
4.33%
Delta
2.48%
Earnings Growth Increased
Previous
-67.76%
Current
-52.89%
Delta
14.87%
Funding Cost Growth Decreased
Previous
143.51%
Current
103.62%
Delta
-39.89%
Interest Income Growth Decreased
Previous
24.57%
Current
15.47%
Delta
-9.10%
Liquidity Increased
Previous
$9.0B
Current
$10.2B
Delta
$1.2B
Loan Growth Decreased
Previous
4.58%
Current
0.45%
Delta
-4.12%
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.