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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
(Mark One)
Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
For the quarterly period ended June 30, 2020
Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Commission File Number: 001-16581
SANTANDER HOLDINGS USA, INC.
(Exact name of registrant as specified in its charter)
Virginia
(State or other jurisdiction of
incorporation or organization)
23-2453088
(I.R.S. Employer
Identification No.)
75 State Street, Boston, Massachusetts
(Address of principal executive offices)
02109
(Zip Code)
Registrant’s telephone number including area code (617346-7200
Not applicable
(Former name, former address and former fiscal year, if changed since last report)
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolsName of each exchange on which registered
Not ApplicableNot ApplicableNot Applicable
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes . No .
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation ST (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes . No .
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” "smaller reporting company," and “emerging growth company” in Rule 12b-2 of the Exchange Act.
  
Large accelerated filer
 
Accelerated filer
Emerging growth company
Non-accelerated Filer
Smaller reporting company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act) Yes . No .
Number of shares of common stock outstanding at July 31, 2020: 530,391,043 shares


Table of Contents

INDEX
 Page
Condensed Consolidated Balance Sheets at June 30, 2020 and December 31, 2019
Condensed Consolidated Statements of Operations for the three-month and six-month periods ended June 30, 2020 and 2019
Condensed Consolidated Statements of Comprehensive Income for the three-month and six-month periods ended June 30, 2020 and 2019
Condensed Consolidated Statements of Stockholder's Equity for the three-month and six-month periods ended June 30, 2020 and 2019
 Ex-31.1 Certification
 Ex-31.2 Certification
 Ex-32.1 Certification
 Ex-32.2 Certification
 EX-101 INSTANCE DOCUMENT
 EX-101 SCHEMA DOCUMENT
 EX-101 CALCULATION LINKBASE DOCUMENT
 EX-101 LABELS LINKBASE DOCUMENT
 EX-101 PRESENTATION LINKBASE DOCUMENT
 EX-101 DEFINITION LINKBASE DOCUMENT



Table of Contents

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS
SANTANDER HOLDINGS USA, INC. AND SUBSIDIARIES

This Quarterly Report on Form 10-Q of SHUSA contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 regarding the financial condition, results of operations, business plans and future performance of the Company. Words such as “may,” “could,” “should,” “looking forward,” “will,” “would,” “believe,” “expect,” “hope,” “anticipate,” “estimate,” “intend,” “plan,” “assume," "goal," "seek" or similar expressions are intended to indicate forward-looking statements.

Although SHUSA believes that the expectations reflected in these forward-looking statements are reasonable as of the date on which the statements are made, these statements are not guarantees of future performance and involve risks and uncertainties based on various factors and assumptions, many of which are beyond the Company's control. Among the factors that could cause SHUSA’s financial performance to differ materially from that suggested by forward-looking statements are:

the adverse impact of COVID-19 on our business, financial condition, liquidity and results of operations;
the effects of regulation, actions and/or policies of the Federal Reserve, the FDIC, the OCC and the CFPB, and other changes in monetary and fiscal policies and regulations, including policies that affect market interest rates and money supply, actions related to COVID-19, as well as the impact of changes in and interpretations of GAAP, including adoption of the FASB's CECL credit reserving framework, the failure to adhere to which could subject SHUSA and/or its subsidiaries to formal or informal regulatory compliance and enforcement actions and result in fines, penalties, restitution and other costs and expenses, changes in our business practice, and reputational harm;
SHUSA’s ability to manage credit risk that may increase to the extent our loans are concentrated by loan type, industry segment, borrower type or location of the borrower or collateral;
the extent of recessionary conditions in the U.S. related to COVID-19 and the strength of the U.S. economy in general and regional and local economies in which SHUSA conducts operations in particular, which may affect, among other things, the level of non-performing assets, charge-offs, and credit loss expense;
acts of God, including pandemics and other significant public health emergencies, and other natural disasters and SHUSA’s ability to deal with disruptions caused by such acts, emergencies and disasters;
inflation, interest rate, market and monetary fluctuations, including effects from the pending discontinuation of LIBOR as an interest rate benchmark, may, among other things, reduce net interest margins and impact funding sources, revenue and expenses, the value of assets and obligations, and the ability to originate and distribute financial products in the primary and secondary markets;
the pursuit of protectionist trade or other related policies, including tariffs by the U.S., its global trading partners, and/or other countries, and/or trade disputes generally;
the ability of certain European member countries to continue to service their debt and the risk that a weakened European economy could negatively affect U.S.-based financial institutions, counterparties with which SHUSA does business, as well as the stability of global financial markets, including economic instability and recessionary conditions in Europe and the eventual exit of the United Kingdom from the European Union;
adverse movements and volatility in debt and equity capital markets and adverse changes in the securities markets, including those related to the financial condition of significant issuers in SHUSA’s investment portfolio;
SHUSA's ability to grow revenue, manage expenses, attract and retain highly-skilled people and raise capital necessary to achieve its business goals and comply with regulatory requirements;
SHUSA’s ability to effectively manage its capital and liquidity, including approval of its capital plans by its regulators and its subsidiaries' ability to continue to pay dividends to it;
changes in credit ratings assigned to SHUSA or its subsidiaries;
the ability to manage risks inherent in our businesses, including through effective use of systems and controls, insurance, derivatives and capital management;
SHUSA’s ability to timely develop competitive new products and services in a changing environment that are responsive to the needs of SHUSA's customers and are profitable to SHUSA, the success of our marketing efforts to customers, and the potential for new products and services to impose additional unexpected costs, losses, or other liabilities not anticipated at their initiation, and expose SHUSA to increased operational risk;
competitors of SHUSA may have greater financial resources or lower costs, or be subject to different regulatory requirements than SHUSA, may innovate more effectively, or may develop products and technology that enable those competitors to compete more successfully than SHUSA and cause SHUSA to lose business or market share;
SC's agreement with FCA may not result in currently anticipated levels of growth and is subject to performance conditions that could result in termination of the agreement;
consumers and small businesses may decide not to use banks for their financial transactions, which could impact our net income;
changes in customer spending, investment or savings behavior;
loss of customer deposits that could increase our funding costs;
the ability of SHUSA and its third-party vendors to convert, maintain and upgrade, as necessary, SHUSA’s data processing and other IT infrastructure on a timely and acceptable basis, within projected cost estimates and without significant disruption to our business;
SHUSA's ability to control operational risks, data security breach risks and outsourcing risks, and the possibility of errors in quantitative models SHUSA uses to manage its business, including as a result of cyberattacks, technological failure, human error, fraud or malice by internal or external parties, and the possibility that SHUSA's controls will prove insufficient, fail or be circumvented;
changes to tax laws and regulations and the outcome of ongoing tax audits by federal, state and local income tax authorities that may require SHUSA to pay additional taxes or recover fewer overpayments compared to what has been accrued or paid as of period-end;
the costs and effects of regulatory or judicial actions or proceedings, including possible business restrictions resulting from such actions or proceedings;
adverse publicity, and negative public opinion, whether specific to SHUSA or regarding other industry participants or industry-wide factors, or other reputational harm;
acts of terrorism or domestic or foreign military conflicts; and
the other factors that are described in Part I, Item IA - Risk Factors of our 2019 Annual Report on Form 10-K,

If one or more of the factors affecting the Company’s forward-looking information and statements renders forward-looking information or statements incorrect, the Company’s actual results, performance or achievements could differ materially from those expressed in, or implied by, the forward-looking information and statements. Therefore, the Company cautions the reader not to place undue reliance on any forward-looking information or statements herein. The effect of these factors is difficult to predict. Factors other than these also could adversely affect the Company’s results, and the reader should not consider these factors to be a complete set of all potential risks or uncertainties as new factors emerge from time to time. Management cannot assess the impact of any such factor on the Company’s business or the extent to which any factor, or combination of factors, may cause results to differ materially from those contained in any forward-looking statement. Any forward-looking statements only speak as of the date of this document, and the Company undertakes no obligation to update any forward-looking information or statements, whether written or oral, to reflect any change, except as required by law. All forward-looking statements attributable to the Company are expressly qualified by these cautionary statements.
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SHUSA provides the following list of abbreviations and acronyms as a tool for the readers that are used in Management’s Discussion and Analysis of Financial Condition and Results of Operations, the Condensed Consolidated Financial Statements and the Notes to Condensed Consolidated Financial Statements.
ABS: Asset-backed securities
Company: Santander Holdings USA, Inc.
ACL: Allowance for credit losses
Covered Fund: a hedge fund or private equity fund
AFS: Available-for-sale
COVID-19: a novel strain of coronavirus, declared a pandemic by the World Health Organization in March 2020.
ALLL: Allowance for loan and lease losses
CPRs: Constant prepayment rate
AOCI: Accumulated other comprehensive income
CRA: Community Reinvestment Act
ASC: Accounting Standards Codification
CRA Final Rule: the final rule relating to the CRA issued by the OCCC on July 20, 2020
ASU: Accounting Standards Update
CRA NPR: The NPR related to the CRA issued by the OCC and FDIC on December 12, 2019
ATM: Automated teller machine
CRE: Commercial real estate
Bank: Santander Bank, National Association
CRE & VF: Commercial Real Estate and Vehicle Finance
BEA: Bureau of Economic Analysis
DCF: Discounted cash flow
BHC: Bank holding company
DFA: Dodd-Frank Wall Street Reform and Consumer Protection Act
BHCA: Bank Holding Company Act of 1956, as amended
DOJ: Department of Justice
BOLI: Bank-owned life insurance
DPD: Days past due
BSI: Banco Santander International
DTI: Debt-to-income
BSPR: Banco Santander Puerto Rico
EAD: Exposure at default
C&I: Commercial & industrial
ECL: Expected credit losses
CARES Act: Coronavirus Aid, Relief, and Economic Security Act
Economic Growth Act: The Economic Growth, Regulatory Relief, and Consumer Protection Act
CBB: Consumer and Business Banking
EIP: Economic Impact Payments
CBP: Citizens Bank of Pennsylvania
EIR: Effective interest rate
CCAR: Comprehensive Capital Analysis and Review
EPS: Enhanced Prudential Standards
CD: Certificate of deposit
ETR: Effective tax rate
CECL: Current expected credit losses
Exchange Act: Securities Exchange Act of 1934, as amended
CECL Standard: Amendments based on ASU 2016-13, ASU 2019-04, and ASU 2019-11, Financial Instruments - Credit Losses
FASB: Financial Accounting Standards Board
CEF: Closed-end fund
FBO: Foreign banking organization
CEO: Chief Executive Officer
FCA: Fiat Chrysler Automobiles US LLC
CET1: Common equity Tier 1
FDIC: Federal Deposit Insurance Corporation
CEVF: Commercial equipment vehicle financing
Federal Reserve: Board of Governors of the Federal Reserve System
CFPB: Consumer Financial Protection Bureau
FHLB: Federal Home Loan Bank
CFO: Chief Financial Officer
FHLMC: Federal Home Loan Mortgage Corporation
Chase: JPMorgan Chase & Co and certain of its subsidiaries, including EMC Mortgage LLC
FICO®: Fair Isaac Corporation credit scoring model
Chrysler Agreement: Ten-year private label financing agreement with Fiat Chrysler Automobiles US LLC, formerly Chrysler Group LLC, signed by SC
Final Rule: Rule implementing certain of the EPS mandated by Section 165 of the DFA
Chrysler Capital: Trade name used in providing services under the Chrysler Agreement
FINRA: Financial Industrial Regulatory Authority
CIB: Corporate and Investment Banking
FNMA: Federal National Mortgage Association
CID: Civil investigative demand
FRB: Federal Reserve Bank
CLTV: Combined loan-to-value
FVO: Fair value option
CMO: Collateralized mortgage obligation
GAAP: Accounting principles generally accepted in the United States of America
CODM: Chief Operating Decision Maker
GBP: British pound sterling
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GDP: Gross domestic product
REIT: Real estate investment trust
GNMA: Government National Mortgage Association
RIC: Retail installment contract
GSIB: Global systemically important bank
ROU: Right-of-use
HFI: Held for investment
RV: Recreational vehicle
HPI: Housing Price Index
RWA: Risk-weighted asset
HTM: Held to maturity
S&P: Standard & Poor's
IDI: Insured depository institution
SAF: Santander Auto Finance
IHC: U.S. intermediate holding company
SAM: Santander Asset Management, LLC
IPO: Initial public offering
Santander: Banco Santander, S.A.
IRS: Internal Revenue Service
Santander BanCorp: Santander BanCorp and its subsidiaries
ISDA: International Swaps and Derivatives Association, Inc.
Santander UK: Santander UK plc
IT: Information technology
SBA: Small Business Administration
LCR: Liquidity coverage ratio
SBNA: Santander Bank, National Association
LHFI: Loans held for investment
SC: Santander Consumer USA Holdings Inc. and its subsidiaries
LHFS: Loans held for sale
SCB: Stress capital buffer
LIBOR: London Interbank Offered Rate
SC Common Stock: Common shares of SC
LIHTC: Low income housing tax credit
SCART: Santander Consumer Auto Receivables Trust
LTD: Long-term debt
SCF: Statement of cash flows
LTV: Loan-to-value
SCRA: Servicemembers' Civil Relief Act
MBS: Mortgage-backed securities
SDART: Santander Drive Auto Receivables Trust
MD&A: Management's Discussion and Analysis of Financial Condition and Results of Operations
SDGT: Specially Designated Global Terrorist
Mississippi AG: Attorney General of the State of Mississippi
SEC: Securities and Exchange Commission
Moody's: Moody's Investor Service, Inc.
Securities Act: Securities Act of 1933, as amended
MSPA: Master Securities Purchase Agreement
SFS: Santander Financial Services, Inc.
MSR: Mortgage servicing right
SHUSA: Santander Holdings USA, Inc.
MVE: Market value of equity
SIS: Santander Investment Securities Inc.
NCI: Non-controlling interest
SPAIN: Santander Private Auto Issuing Note
NMDs: Non-maturity deposits
SPE: Special purpose entity
NMTC: New market tax credits
SRT: Santander Retail Auto Lease Trust
NPL: Non-performing loan
SSLLC: Santander Securities LLC
NPR: Notice of proposed rule-making
Subvention: Reimbursement of the finance provider by a manufacturer for the difference between a market loan or lease rate and the below-market rate given to a customer.
NSFR: Net stable funding ratio
TALF: Term Asset Backed Securities Loan Facility
NYSE: New York Stock Exchange
TDR: Troubled debt restructuring
OCC: Office of the Comptroller of the Currency
TLAC: Total loss-absorbing capacity
OCI: Other comprehensive income
TLAC Rule: The Federal Reserve's total loss-absorbing capacity rule
OIS: Overnight indexed swap
Trusts: Securitization trusts
OREO: Other real estate owned
U.K. United Kingdom
OTTI: Other-than-temporary impairment
UPB: Unpaid principal balance
Parent Company: The parent holding company of SBNA and other consolidated subsidiaries
VIE: Variable interest entity
PCD: Purchased credit deteriorated, assets the Company deems at acquisition to have more than insignificant deterioration in credit quality since origination
VOE: Voting rights entity
PD: Probability of default
YTD: Year-to-date
PPP: Paycheck Protection Program
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PART I. FINANCIAL INFORMATION

ITEM 1 - CONDENSED CONSOLIDATED FINANCIAL STATEMENTS
SANTANDER HOLDINGS USA, INC. AND SUBSIDIARIES
CONDENSED CONSOLIDATED BALANCE SHEETSUnaudited (In thousands)
June 30, 2020December 31, 2019
ASSETS  
Cash and cash equivalents$11,085,206  $7,644,372  
Investment securities:  
AFS at fair value12,047,923  14,339,758  
HTM (fair value of $5,414,720 and $3,957,227 as of June 30, 2020 and December 31, 2019, respectively)
5,229,562  3,938,797  
Other investments (includes trading securities of $19,766 and $1,097 as of June 30, 2020 and December 31, 2019, respectively)
1,728,065  995,680  
LHFI(1) (5)
91,293,831  92,705,440  
ALLL (5)
(7,112,739) (3,646,189) 
Net LHFI84,181,092  89,059,251  
LHFS (2)
5,439,364  1,420,223  
Premises and equipment, net (3)
794,043  798,122  
Operating lease assets, net (5)(6)
16,262,853  16,495,739  
Goodwill2,596,161  4,444,389  
Intangible assets, net386,722  416,204  
BOLI1,885,358  1,860,846  
Restricted cash (5)
5,189,766  3,881,880  
Other assets (4) (5)
5,527,672  4,204,216  
TOTAL ASSETS$152,353,787  $149,499,477  
LIABILITIES  
Accounts payables and Accrued expenses$5,442,761  $4,476,072  
Deposits and other customer accounts (includes $4.7 billion and zero of deposits held
for sale as of June 30, 2020 and December 31, 2019, respectively)
73,963,248  67,326,706  
Borrowings and other debt obligations (5)
49,857,326  50,654,406  
Advance payments by borrowers for taxes and insurance166,198  153,420  
Deferred tax liabilities, net867,361  1,521,034  
Other liabilities (5)