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

SNUS-PH · Sep 30, 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

Filing0000811830-22-000039Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

1.84% · CORE · VALID

Net-income growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-67.76% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

143.51% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

24.57% · CORE · VALID

Cash and equivalents50thOwn-history percentile · N=18
Evidence method

Level · gp.fundamentals.cash

$9.0B · CORE · VALID

Sequential loan growth95thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

4.58% · 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
-5.24%
Current
1.84%
Delta
7.08%
Earnings Growth Decreased
Previous
-54.25%
Current
-67.76%
Delta
-13.51%
Funding Cost Growth Increased
Previous
32.22%
Current
143.51%
Delta
111.29%
Interest Income Growth Increased
Previous
5.11%
Current
24.57%
Delta
19.45%
Liquidity Decreased
Previous
$10.5B
Current
$9.0B
Delta
-$1.5B
Loan Growth Increased
Previous
0.98%
Current
4.58%
Delta
3.60%
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.