Santander Holdings USA (SOV) 10-Q 15 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 30, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'Santander Holdings USA, Inc.	'
Entity Central Index Key	'0000811830	'
Document Type	'10-Q	'
Document Period End Date	31-Mar-14	'
Amendment Flag	'false	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Current Fiscal Year End	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Non-accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	530,307,043

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (Unaudited) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'		'
Cash and amounts due from depository institutions	$3,485,572		$4,226,947
Investment securities:	'		'
Available-for-sale at fair value	11,694,073		11,646,240
Other investments	736,991		820,395
Loans held for investment	74,062,616	[1]	49,921,677	[1]
Allowance for loan losses	-1,110,592		-834,337
Net loans held for investment	72,952,024		49,087,340
Loans held-for-sale at fair value (1)	250,461	[2]	128,949	[2]
Premises and equipment, net	931,370	[3]	815,795	[3]
Accrued interest receivable	494,448		195,782
Equity method investments	153,577		3,085,450
Goodwill	8,909,625		3,431,481
Core deposit intangibles and other intangibles, net	791,360		34,614
Leased vehicles, net	3,314,299		0
Bank owned life insurance	1,661,459		1,651,179
Restricted cash	1,912,244		97,397
Deferred tax assets, net	0		747,958
Other assets	1,880,574	[4]	1,174,494	[4]
TOTAL ASSETS	109,168,077		77,144,021
LIABILITIES	'		'
Accrued expenses and payables	1,538,407		1,050,785
Total deposits and other customer accounts	50,044,848		49,521,406
Borrowings and other debt obligations	34,766,697		12,376,624
Advance payments by borrowers for taxes and insurance	253,935		182,571
Deferred tax liabilities, net	257,190		0
Other liabilities	710,904		467,652
TOTAL LIABILITIES	87,571,981		63,599,038
STOCKHOLDER'S EQUITY	'		'
Preferred stock (no par value; $25,000 liquidation preference; 7,500,000 shares authorized; 8,000 shares outstanding at March 31, 2014 and at December 31, 2013)	195,445		195,445
Common stock (no par value; 800,000,000 shares authorized; 530,307,043 and 520,307,043 shares outstanding at March 31, 2014 and at December 31, 2013, respectively)	14,710,058		12,209,816
Accumulated other comprehensive (loss)	-163,185		-254,368
Retained earnings	3,160,343		1,394,090
TOTAL SHUSA STOCKHOLDER'S EQUITY	17,902,661		13,544,983
Noncontrolling interest	3,693,435		0
TOTAL STOCKHOLDER'S EQUITY	21,596,096		13,544,983
TOTAL LIABILITIES AND STOCKHOLDER'S EQUITY	$109,168,077		$77,144,021
[1]	Total loans held for investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments. These items resulted in a net decrease in loan balances of $2.7 billion as of March 31, 2014 and a net increase in loan balances of $122.6 million as of December 31, 2013, respectively. The significant fluctuation between periods is due to the purchase accounting marks resulting from the Change in Control of SCUSA.
[2]	Recorded at the fair value option or lower of cost or fair value.
[3]	Net of accumulated depreciation of $665.4 million and $584.2 million at March 31, 2014 and December 31, 2013, respectively.
[4]	Includes residential mortgage servicing rights ("MSRs") of $134.8 million and $141.8 million at March 31, 2014 and December 31, 2013, respectively, for which the Company has elected the fair value option.

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Unaudited) (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
ASSETS	'	'
Accumulated depreciation	$665,400,000	$584,200,000
STOCKHOLDER'S EQUITY	'	'
Preferred Stock, no par value (in usd per share)	'	'
Preferred Stock, liquidation preference per share (in usd per share)	$25,000	$25,000
Preferred Stock, shares authorized	7,500,000	7,500,000
Preferred Stock, shares outstanding	8,000	8,000
Common Stock, no par value (in usd per share)	'	'
Common Stock, shares authorized	800,000,000	800,000,000
Common Stock, shares outstanding	530,307,043	520,307,043
Residential mortgages [Member]	'	'
ASSETS	'	'
Residential servicing rights at fair value	$134,800,000	$141,787,000

Condensed_Consolidated_Stateme

Condensed Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
INTEREST INCOME:	'		'
Loans	$1,334,520		$499,763
Interest-earning deposits	1,995		1,024
Investment securities:	'		'
Available-for-sale	61,584		93,636
Other investments	8,107		6,220
TOTAL INTEREST INCOME	1,406,206		600,643
INTEREST EXPENSE:	'		'
Deposits and customer accounts	48,947		56,942
Borrowings and other debt obligations	185,154		147,683
TOTAL INTEREST EXPENSE	234,101		204,625
NET INTEREST INCOME	1,172,105	[1]	396,018
Provision for credit losses	335,330	[1]	16,850
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	836,775		379,168
NON-INTEREST INCOME:	'		'
Consumer fees	82,964		54,777
Commercial fees	42,970		52,494
Mortgage banking income, net	12,947		32,308
Equity method investments	19,642		182,094
Bank owned life insurance	14,182		13,949
Miscellaneous income	258,068		10,676
TOTAL FEES AND OTHER INCOME	430,773		346,298
Gain on Change in Control	2,428,539	[1]	0
Net gain on sale of investment securities	1,944		73,522
Net gain recognized in earnings	2,430,483		73,522
TOTAL NON-INTEREST INCOME	2,861,256		419,820
Total non-interest income	432,717	[1]	'
GENERAL AND ADMINISTRATIVE EXPENSES:	'		'
Compensation and benefits	318,959		174,734
Occupancy and equipment expenses	119,203		92,244
Technology expense	40,270		28,695
Outside services	35,959		17,902
Marketing expense	14,100		7,008
Loan expense	69,137		19,855
Other administrative expenses	140,886		39,801
TOTAL GENERAL AND ADMINISTRATIVE EXPENSES	738,514		380,239
OTHER EXPENSES:	'		'
Amortization of intangibles	13,715		7,698
Deposit insurance premiums and other expenses	14,417		22,637
Loss on debt extinguishment	3,635		246
TOTAL OTHER EXPENSES	31,767		30,581
INCOME BEFORE INCOME TAXES	2,927,750	[1]	388,168
Income tax provision	1,050,107		102,670
NET INCOME INCLUDING NONCONTROLLING INTEREST	1,877,643		285,498
LESS: NET INCOME ATTRIBUTABLE TO NONCONTROLLING INTEREST	107,740		0
NET INCOME ATTRIBUTABLE TO SHUSA	$1,769,903		$285,498
[1]	Purchase Price Adjustments represents the impact that SCUSA purchase marks had on the results of SCUSA included within the consolidated operations of SHUSA, while eliminations adjust for the one month that SHUSA accounted for SCUSA as an equity method investment and eliminate intercompany transactions.

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
Statement of Comprehensive Income [Abstract]	'		'
NET INCOME INCLUDING NONCONTROLLING INTEREST	$1,877,643		$285,498
OTHER COMPREHENSIVE (LOSS)/INCOME, NET OF TAX	'		'
Net unrealized gains on cash flow hedge derivative financial instruments	7,760		10,829
Net unrealized (losses)/gains on investment securities	82,861		-64,139
Pension and post-retirement actuarial gain	562	[1]	549
TOTAL OTHER COMPREHENSIVE (LOSS)/INCOME	91,183		-52,761
COMPREHENSIVE INCOME	1,968,826		232,737
COMPREHENSIVE INCOME ATTRIBUTABLE TO NONCONTROLLING INTEREST	107,740		0
COMPREHENSIVE INCOME ATTRIBUTABLE TO SHUSA	$1,861,086		$232,737
[1]	Included in the computation of net periodic pension costs.

Condensed_Consolidated_Stateme2

Condensed Consolidated Statement of Stockholder's Equity (Unaudited) (USD $)		Total	Common stock [Member]	Preferred Stock [Member]	Accumulated Other Comprehensive Income/(Loss) [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]
In Thousands, except Share data, unless otherwise specified
Beginning balance at Dec. 31, 2012		$13,242,002	$12,211,636	$195,445	$54,334	$780,587	'
Beginning balance, shares at Dec. 31, 2012		'	520,307,000	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]		'	'	'	'	'	'
Comprehensive income/(loss)		232,737	'	'	-52,761	285,498	'
Stock issued in connection with employee benefit and incentive compensation plans		810	810	'	'	'	'
Dividends paid on preferred stock		-3,650	'	'	'	-3,650	'
Ending balance at Mar. 31, 2013		13,471,899	12,212,446	195,445	1,573	1,062,435	'
Ending balance, shares at Mar. 31, 2013		'	520,307,000	'	'	'	'
Beginning balance at Dec. 31, 2013		13,544,983	12,209,816	195,445	-254,368	1,394,090	0
Beginning balance, shares at Dec. 31, 2013		520,307,043	520,307,000	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]		'	'	'	'	'	'
Comprehensive income/(loss)		1,861,086	'	'	91,183	1,769,903	'
SCUSA Change in Control	[1]	3,693,435	'	'	'	'	3,693,435
Issuance of common stock, shares		'	10,000,000	'	'	'	'
Issuance of common stock		2,500,000	2,500,000	'	'	'	'
Stock issued in connection with employee benefit and incentive compensation plans		242	242	'	'	'	'
Dividends paid on preferred stock		-3,650	'	'	'	-3,650	'
Ending balance at Mar. 31, 2014		$21,596,096	$14,710,058	$195,445	($163,185)	$3,160,343	$3,693,435
Ending balance, shares at Mar. 31, 2014		530,307,043	530,307,000	'	'	'	'
[1]	Refer to Note 3 to the Condensed Consolidated Financial Statements for further discussion.

Condensed_Consolidated_Stateme3

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:	'		'
Net income including noncontrolling interest	$1,877,643		$285,498
Adjustments to reconcile net income to net cash provided by operating activities:	'		'
Gain on SCUSA Change in Control	-2,291,003		0
Net gain on sale of SCUSA shares	-137,536		0
Gain on sale of branches	-10,648		0
Provision for credit losses	335,330	[1]	16,850
Deferred taxes	800,165		87,746
Depreciation, amortization and accretion	180,190		79,209
Net gain on sale of loans	-37,471		-27,923
Net gain on sale of investment securities	-1,944		-73,522
Loss on debt extinguishment	3,635		246
Net loss on real estate owned and premises and equipment	689		634
Stock-based compensation	2,707		810
Equity earnings from equity method investments	-19,642		-182,094
Distributions from equity method investments, net	-16,523		2,522
Origination of loans held for sale, net of repayments	-831,266		-1,368,503
Proceeds from sales of loans held-for-sale	1,176,991		1,547,866
Net change in:	'		'
Other assets and bank owned life insurance	241,532		78,338
Other liabilities	-304,563		-370,682
Other	-790		16,677
NET CASH PROVIDED BY OPERATING ACTIVITIES	967,496		93,672
CASH FLOWS FROM INVESTING ACTIVITIES:	'		'
Proceeds from sales of available-for-sale investment securities	88,113		2,587,183
Proceeds from prepayments and maturities of available-for-sale investment securities	630,324		1,133,771
Purchases of available-for-sale investment securities	-600,812		-2,345,560
Proceeds from sales of other investments	154,126		43,240
Purchases of other investments	70,675		0
Net change in restricted cash	-126,404		315,370
Proceeds from sales of loans held for investment	674,777		37,311
Purchases of loans held for investment	-994,166		-370,802
Net change in loans other than purchases and sales	-2,454,428		896,010
Purchases of leased vehicles	-807,135		0
Proceeds from the sale of leased vehicles	9,451		0
Manufacturer incentives	165,581		0
Proceeds from sales of real estate owned and premises and equipment	246,127		11,160
Purchases of premises and equipment	-97,285		-27,021
Cash collateral paid on derivatives	-18,795		0
Net cash transferred on the sale of branches	-151,286		0
Gain on sale of SCUSA shares	320,145		0
Cash acquired in SCUSA Change in Control	11,076		0
NET CASH PROVIDED BY/(USED IN) INVESTING ACTIVITIES	-3,021,266		2,280,662
CASH FLOWS FROM FINANCING ACTIVITIES:	'		'
Net change in deposits and other customer accounts	797,918		271,563
Net change in short-term borrowings	-2,808,671		-4,349,966
Net proceeds from long-term borrowings	6,552,549		0
Repayments of long-term borrowings	-5,865,577		-260,040
Proceeds from FHLB advances (with maturities greater than 90 days)	0		1,500,000
Repayments of FHLB advances (with maturities greater than 90 days)	813,635		-40,494
Net change in advance payments by borrowers for taxes and insurance	71,364		53,603
Cash dividends paid to preferred stockholders	-3,650		-3,650
Proceeds from the issuance of common stock	1,754,827		0
NET CASH PROVIDED BY/(USED IN) FINANCING ACTIVITIES	1,312,395		-2,828,984
NET CHANGE IN CASH AND CASH EQUIVALENTS	-741,375		-454,650
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	4,226,947		2,220,811
CASH AND CASH EQUIVALENTS, END OF PERIOD	3,485,572		1,766,161
SUPPLEMENTAL DISCLOSURES	'		'
Net income taxes paid / (received)	258,501		29,142
Interest paid	-29,895		201,927
NON-CASH TRANSACTIONS	'		'
Loans transferred to other real estate owned	13,816		15,136
Loans transferred to repossessed vehicles	238,013		0
Conversion of debt to common equity	750,000		0
Liquidation of common equity securities	24,742		0
Transfers of unsecured notes payable from notes payable to credit facilities	$714,289		$0
[1]	Purchase Price Adjustments represents the impact that SCUSA purchase marks had on the results of SCUSA included within the consolidated operations of SHUSA, while eliminations adjust for the one month that SHUSA accounted for SCUSA as an equity method investment and eliminate intercompany transactions.

BASIS_OF_PRESENTATION_AND_ACCO

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2014
Accounting Policies [Abstract]	'
BASIS OF PRESENTATION AND ACCOUNTING POLICIES	'
	BASIS OF PRESENTATION AND ACCOUNTING POLICIES
	Introduction
	Santander Holdings USA, Inc. (“SHUSA” or the “Company”) is a Virginia corporation and the parent company of Santander Bank, National Association (the “Bank”). SHUSA is headquartered in Boston, Massachusetts and the Bank's main office is in Wilmington, Delaware. SHUSA is a wholly-owned subsidiary of Banco Santander, S.A. (“Santander”).
	The Bank, previously named Sovereign Bank, National Association, changed its name to Santander Bank, National Association on October 17, 2013. The Bank’s primary business consists of attracting deposits from its network of retail branches, and originating small business loans, middle market, large and global commercial loans, multi-family loans, residential mortgage loans, home equity loans and lines of credit, and auto and other consumer loans throughout the Mid-Atlantic and Northeastern areas of the United States, largely focused throughout Pennsylvania, New Jersey, New York, New Hampshire, Massachusetts, Connecticut, Rhode Island, Delaware and Maryland. The Bank uses its deposits, as well as other financing sources, to fund its loan and investment portfolios.
	Santander Consumer USA Holdings Inc. ("SCUSA"), headquartered in Dallas, Texas, is a full-service, technology-driven consumer finance company focused on vehicle finance and unsecured consumer lending products.
	On January 23, 2014, SCUSA's registration statement for an initial public offering (the "IPO") of shares of its common stock (the “SCUSA Common Stock”), was declared effective by the Securities and Commission (the "SEC"). Prior to the IPO, the Company owned approximately 65% of the shares of SCUSA Common Stock.
	On January 28, 2014, the IPO was closed, and certain stockholders of SCUSA, including the Company and Sponsor Auto Finance Holding Series LP (“Sponsor Holdings”), sold 85,242,042 shares of SCUSA Common Stock. Immediately following the IPO, the Company owned approximately 61% of the shares of SCUSA Common Stock. In connection with these sales, certain board representation, governance and other rights granted to DDFS LLC (“DDFS”) and Sponsor Holdings were terminated as a result of the reduction in DDFS and Sponsor Holdings’ collective ownership of shares of SCUSA Common Stock below certain ownership thresholds causing the Company to control SCUSA (the “Change in Control”).
	Prior to the Change in Control, the Company accounted for its investment in SCUSA under the equity method. Following the Change in Control, the Company consolidated the financial results of SCUSA in the Company’s Condensed Consolidated Financial Statements. The Company’s consolidation of SCUSA is treated as an acquisition of SCUSA by the Company in accordance with Accounting Standard Codification 805 - Business Combinations (“ASC 805”). SCUSA Common Stock is now listed for trading on the New York Stock Exchange under the trading symbol "SC".
	See Note 3 for a detailed discussion of SCUSA’s acquisition by the Company in accordance with the accounting guidance on business combinations.
	Basis of Presentation
	These Condensed Consolidated Financial Statements include the accounts of the Company and its subsidiaries, including its principal subsidiary, the Bank, and certain special purpose financing trusts utilized in financing transactions which are considered variable interest entities ("VIEs"). The Company consolidates other VIEs for which it is deemed the primary beneficiary. The Condensed Consolidated Financial Statements have been prepared by the Company, without audit, pursuant to SEC regulations. All intercompany balances and transactions have been eliminated in consolidation. Certain information and footnote disclosures normally included in the Condensed Consolidated Financial Statements, prepared in conformity with accounting principles generally accepted in the United States (“GAAP”), have been omitted pursuant to such regulations. Additionally, where applicable, the Company's accounting policies conform to the accounting and reporting guidelines prescribed by bank regulatory authorities. However, in the opinion of management, the accompanying unaudited Condensed Consolidated Financial Statements reflect all adjustments of a normal and recurring nature necessary to present fairly the Condensed Consolidated Balance Sheets, Statements of Operations, Statements of Comprehensive Income, Statement of Stockholder's Equity and Statements of Cash Flows for the periods indicated, and contain adequate disclosure to make the information presented not misleading.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	Reclassifications
	Core Deposit Intangibles
	The Company reclassified approximately $34.6 million of definite-lived intangible assets from Other Assets to Core Deposit Intangibles and Other Intangibles within the Consolidated Balance Sheets at December 31, 2013. The Company previously classified such definite lived intangibles within Other Assets as they did not meet the quantitative thresholds for separate presentation. Due to the increase of the intangible assets during the current quarter, as a result of the Business Combination as further discussed in Note 3, the Company disclosed the intangible assets as a separate line item within the condensed Consolidated Balance Sheet at March 31, 2014. Accordingly, prior period amounts were reclassified to conform to current period presentation.
	This reclassification had no effect on any other consolidated financial statements.
	Loan portfolio segments
	As further discussed in Note 5, the Company discloses the information about credit quality of the financing receivable at the portfolio segment reflective of the current credit management practices by the Company. At March 31, 2014 management updated the presentation of portfolio segments within its retail and commercial portfolio classes to the most recent reflection of management’s credit management practices. Accordingly, prior period information at portfolio segment level was recast to conform to current period presentation.
	Significant Accounting Policies
	Management identified accounting for consolidation, business combinations, the allowance for loan losses and the reserve for unfunded lending commitments, goodwill, derivatives and hedge activities, and income taxes as the Company's most critical accounting policies and estimates, in that they are important to the portrayal of the Company's financial condition and results of operations and require management's most difficult, subjective and complex judgments as a result of the need to make estimates about the effect of matters that are inherently uncertain.
	The following is a description of the significant accounting policies of the Company.
	Consolidation
	The Condensed Consolidated Financial Statements include voting rights entities or VIEs in which the Company has a controlling financial interest. In accordance with the applicable accounting guidance for consolidations, the Company consolidates a VIE if the Company is considered to be the primary beneficiary because it has: (i) a variable interest in the entity; (ii) the power to direct activities of the VIE that most significantly impact the entity's economic performance; and (iii) the obligation to absorb losses of the entity or the right to receive benefits from the entity that could potentially be significant to the VIE. Variable interests can include equity interests, subordinated debt, derivative contracts, leases, service agreements, guarantees, standby letters of credit, loan commitments, and other contracts, agreements and financial instruments.
	The Company uses the equity method to account for unconsolidated investments in voting rights entities if the Company has influence over the entity's operating and financing decisions but does not maintain a controlling financial interest. Unconsolidated investments in voting rights entities or VIEs in which the Company has a voting or economic interest of less than 20% generally are carried at cost. These investments are included in "Equity method investments" on the Condensed Consolidated Balance Sheet, and the Company's proportionate share of income or loss is included in "Equity method investments" within the Consolidated Statements of Operations.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	Business Combinations
	The Company records the identifiable assets acquired, the liabilities assumed, and any noncontrolling interests of companies that are acquired at their estimated fair value at the date of acquisition, and includes the results of operations of the acquired companies in the Condensed Consolidated Statement of Operations from the date of acquisition. The Company recognizes, as goodwill, the excess of the acquisition price over the estimated fair value of the net assets acquired. As discussed above, the Company has accounted for its acquisition of SCUSA as a business combination. See Note 3 for a detailed discussion of this transaction.
	Use of Estimates
	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. The most significant estimates pertain to consolidation, fair value measurements, allowance for loan losses and reserve for unfunded lending commitments, estimates of expected residual values of leased vehicles subject to operating leases, goodwill, derivatives and hedge activities, and income taxes. Actual results may differ from the estimates, and the differences may be material to the Condensed Consolidated Financial Statements.
	Subsequent Events
	All material events that occurred after the date of the Condensed Consolidated Financial Statements and before the Condensed Consolidated Financial Statements were issued have been either recognized in the Condensed Consolidated Financial Statements or disclosed in the Notes to the Condensed Consolidated Financial Statements.
	The Company evaluated events from the date of the Condensed Consolidated Financial Statements on March 31, 2014 through the issuance of these Condensed Consolidated Financial Statements and has determined that there have been no material events that would require recognition in its Condensed Consolidated Financial Statements or disclosure in the Notes to the Condensed Consolidated Financial Statements.
	Revenue Recognition
	The Company earns interest and non-interest income from various sources, including:
	•	Lending
	•	Investment securities
	•	Customer deposit fees
	•	Bank owned life insurance ("BOLI")
	•	Loan sales and servicing
	•	Securities and derivatives trading activities, including foreign exchange transactions
	•	Leases
	The principal source of revenue is interest income from loans and investment securities. Interest income is recognized on an accrual basis primarily according to non-discretionary formulas in written contracts, such as loan agreements or securities contracts. Revenue earned on interest-earning assets, including unearned income and the accretion of discounts recognized on acquired or purchased loans, is recognized based on the constant effective yield of such interest-earning assets. Unearned income pertains to the net of fees collected and certain costs incurred from loan originations.
	Revenue on leases is generated through monthly lease payments and fees.
	Gains or losses on sales of investment securities are recognized on the trade date.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	The Company recognizes revenue from servicing commercial mortgages and consumer loans as earned. Mortgage banking revenue/(expense) includes fees associated with servicing loans for third parties based on the specific contractual terms and changes in the fair value of mortgage servicing rights (“MSRs”). Gains or losses on sales of residential mortgage, multi-family and home equity loans are included within mortgage banking revenues and are recognized when the sale is complete.
	Service charges on deposit accounts are recognized when earned.
	Income from BOLI represents increases in the cash surrender value of the policies, as well as insurance proceeds and interest.
	Income from finance leases is recognized as part of interest income over the term of the lease using the constant effective yield method; while arising from operating leases is recognized as part of other non-interest income over the term of the lease on a straight-line basis.
	Fair Value Measurements
	The Company values assets and liabilities based on the principal market in which each would be sold (in the case of assets) or transferred (in the case of liabilities). The principal market is the forum with the greatest volume and level of activity. In the absence of a principal market, valuation is based on the most advantageous market. In the absence of observable market transactions, the Company considers liquidity valuation adjustments to reflect the uncertainty in pricing the instruments. The fair value of a financial asset is measured on a stand-alone basis and cannot be measured as a group, with the exception of certain financial instruments held and managed on a net portfolio basis. In measuring the fair value of a nonfinancial asset, the Company assumes the highest and best use of the asset by a market participant - not just the intended use - to maximize the value of the asset. The Company also considers whether any credit valuation adjustments are necessary based on the counterparty's credit quality.
	When measuring the fair value of a liability, the Company assumes that the transfer will not affect the nonperformance risk associated with the liability. The Company considers the effect of the credit risk on the fair value for any period in which fair value is measured. There are three acceptable techniques for measuring fair value: the market approach, the income approach and the cost approach. Selecting the appropriate technique for valuing a particular asset or liability depends on the exit price of the asset or liability being valued, and how a market participant would value the same asset or liability. Ultimately, selecting the appropriate valuation method requires significant judgment.
	Valuation inputs refer to the assumptions market participants would use in pricing a given asset or liability. Inputs can be observable or unobservable. Observable inputs are assumptions based on market data obtained from an independent source. Unobservable inputs are assumptions based on the Company's own information or assessment of assumptions used by other market participants in pricing the asset or liability. The unobservable inputs are based on the best and most current information available on the measurement date.
	Cash and Cash Equivalents
	Cash and cash equivalents include cash and amounts due from depository institutions, interest-bearing deposits in other banks, federal funds sold, and securities purchased under agreements to resell. Cash and cash equivalents have maturities of three months or less, and, accordingly, the carrying amount of these instruments is deemed to be a reasonable estimate of fair value. As of March 31, 2014, the Company has maintained balances in various operating and money market accounts in excess of federally insured limits.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	Cash deposited to support securitization transactions, lockbox collections, and related required reserve accounts are recorded in the Company's Condensed Consolidated Balance Sheet as of March 31, 2014 as restricted cash. Excess cash flows generated by securitization trusts (the "Trusts") are added to the restricted cash reserve account, creating additional over-collateralization until the contractual securitization requirement has been reached. Once the targeted reserve requirement is satisfied, additional excess cash flows generated by the Trusts are released to the Company as distributions from the Trusts. Lockbox collections are added to restricted cash and released when transferred to the appropriate warehouse line of credit or Trust. The Company also maintains restricted cash primarily related to cash posted as collateral related to derivative agreements and cash restricted for investment purposes.
	Investment Securities and Other Investments
	Investment securities that the Company has the intent and ability to hold to maturity are classified as held-to-maturity and reported at amortized cost. Securities expected to be held for an indefinite period of time are classified as available-for-sale and are carried at fair value, with temporary unrealized gains and losses reported as a component of accumulated other comprehensive income within stockholder's equity, net of estimated income taxes.
	Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment (“OTTI”). The Company conducts a comprehensive security-level impairment assessment quarterly on all securities in an unrealized loss position to determine whether the loss represents OTTI. The assessment considers the security structure, recent security collateral performance metrics, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment and expectations of future performance, and relevant independent industry research, analysis and forecasts. The Company also considers the severity of the impairment in its assessment. In the event of a credit loss, the credit component of the impairment is recognized within non-interest income, and the non-credit component is recognized through accumulated other comprehensive income.
	Realized gains and losses on sales of investments securities are included in earnings as part of non-interest income.
	Other investments include the Company's investment in the stock of the Federal Home Loan Bank ("FHLB") of New York, Pittsburgh and Boston and debentures of the FHLB, the Federal National Mortgage Association (“FNMA”), and the Federal Home Loan Mortgage Corporation (“FHLMC”). Although FHLB stock is an equity interest in an FHLB, it does not have a readily determinable fair value, because its ownership is restricted and it is not readily marketable. FHLB stock can be sold back only at its par value of $100 per share and only to FHLBs or to another member institution. Accordingly, FHLB stock is carried at cost. The Company evaluates this investment for impairment on the ultimate recoverability of the par value rather than by recognizing temporary declines in value.
	See Note 4 to the Condensed Consolidated Financial Statements for detail on the Company's investments.
Loans held for investment
Loans held for investment include commercial and consumer loans originated by the Company as well as retail installment and personal unsecured loans acquired in connection with Change in Control.
Loans held for investment Pre Change in Control
Loans held for investment are reported net of loan origination fees, direct origination costs and discounts and premiums associated with purchased loans and unearned income. Interest on loans is credited to income as it is earned. Loan origination fees and certain direct loan origination costs are deferred and recognized as adjustments to interest income in the Condensed Consolidated Statements of Operations over the contractual life of the loan utilizing the effective interest rate method. Premiums and discounts associated with loans purchased by the Bank are deferred and amortized as adjustments to interest income utilizing the effective interest rate method using estimated prepayment speeds, which are updated on a quarterly basis. Interest income is not recognized on loans when the loan payment is 90 days or more delinquent for commercial loans and consumer loans, including credit cards, or sooner if management believes the loan has become impaired. Credit cards are charged off when they are 180 days delinquent or within 60 days after the receipt of notification of the cardholder’s death or bankruptcy.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
A loan is determined to be non-accrual when it is probable that scheduled payments of principal and interest will not be received when due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, all accrued yet uncollected interest is reversed from income. When the collectability of the recorded loan balance of a nonaccrual loan is in doubt, any cash payments received from the borrower are applied first to reduce the carrying value of the loan. Otherwise, interest income may be recognized to the extent cash is received. Generally, a nonaccrual loan is returned to accrual status when all delinquent interest and principal become current under the terms of the loan agreement and the collectability of remaining principal and interest is no longer doubtful. Interest income recognition resumes for nonaccrual loans that were accounted for on a cash basis method when they returned to accrual status, while interest income that was previously recorded as reduction in the carrying value of the loan would be recognized as interest income based on the effective yield to maturity on the loan.
Retail installment contracts and Personal unsecured loans
Included in loans held for investment are retail installment contracts and personal unsecured loans that were acquired from the Change in Control of SCUSA and which the Company intends to hold for a foreseeable future or until maturity. Retail installment contracts consist largely of nonprime automobile finance receivables that are acquired individually from dealers at a nonrefundable discount. Retail installment contracts also include receivables originated through a direct lending program and loan portfolios purchased from other lenders. Personal unsecured loans include both revolving and amortizing term finance receivables acquired individually and also include private label revolving lines of credit.
Pre-Change in Control Retail installment contracts and Personal unsecured loans and Allowance for Loan Losses
As discussed above, the Company has accounted for its consolidation of SCUSA as a business combination. The retail installment contracts and personal unsecured loans were adjusted to fair value and their related allowance for loan losses that existed as of the Change in Control were eliminated. The portfolio acquired included performing loans as well as those loans acquired with evidence of credit deterioration (defined as those on non-accrual status at the time of the acquisition). All of SCUSA’s performing retail installment contracts and personal unsecured loans that are held for investment were recorded by the Company at a discount. Subsequent to the Change in Control, the purchase discounts on the retail installment loans will be accreted over the remaining expected lives of the loans to their par values using the interest method, while the purchase discount on the personal unsecured loans given their revolving nature will be amortized on a straight-line basis over 12 months. The Company assesses the collectability of the recorded investment in the retail installment contracts and personal unsecured loans on a collective basis quarterly and determines allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the portfolio. The Company recognizes an allowance for loan loss through charge to provision expense when the recorded investment amounts would exceed unpaid principal balances net of estimated incurred losses.
The Company has irrevocably elected to account for retail installment contracts acquired with evidence of credit deterioration at the Change in Control date at fair value in accordance with ASC 825. Accordingly, the Company will not recognize interest income for these retail installment contracts and will recognize the fair value adjustments of these loans as part of other non-interest income in the Company’s Condensed Consolidated Statement of Operations. For certain of the retail installment contracts which the Company has elected to account at fair value but are not considered non-accruals, the Company will separately recognize interest income from the total fair value adjustment. No allowance for loan losses will be recognized for loans that the Company has elected to account for at fair value.
Post-Change in Control Retail installment contracts and Personal unsecured loans and Allowance for Loan Losses
Finance receivables originated since the Change in Control are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in our post acquisition finance receivables.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
Interest from these loans is accrued when earned in accordance with the terms of the retail installment contracts. The accrual of interest is discontinued and reversed once a retail installment contract becomes more than 60 days past due, and is resumed if a delinquent account subsequently becomes 60 days or less past due. Unsecured revolving and term loans continue to accrue interest until they are 180 and 120 days past due, respectively, at which point they are charged off and interest is removed from interest income.
Trouble debt restructurings
Troubled debt restructurings (“TDRs”) are loans that have been modified whereby the Company has agreed to make certain concessions to customers to both meet the needs of the customers and maximize the ultimate recovery of the loan. TDRs occur when a borrower is experiencing, or is expected to experience, financial difficulties and the loan is modified involving a concession that would otherwise not be granted to the borrower. TDRs are generally placed on non-accrual status until the Company believes repayment under the revised terms is reasonably assured and a sustained period of repayment performance has been achieved (typically defined as six months for a monthly amortizing loan). All costs incurred by the Company in connection with a TDR are expensed as incurred. The TDR classification remains on the loan until it is paid in full or liquidated.
Impaired loans are defined as all TDRs plus non-accrual commercial loans in excess of $1 million as of the balance sheet date. The Company also considers all individually acquired retail installment contracts that have been modified at least once, deferred for a period of 90 days or more, or deferred at least twice during the period as TDRs. In addition, the Company may perform a specific reserve analysis on loans that fail to meet this threshold if the nature of the collateral or business conditions warrant. As of March 31, 2014, the Company is performing a specific reserve analysis on certain loans within the Corporate Banking and remaining commercial classes of financing receivables, regardless of loan size.
The Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that, as a practical expedient, the Company may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is a collateral-dependent loan.
A loan is considered to be impaired when, based upon current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan. An insignificant delay (e.g., less than 61 days for retail installment contracts or less than 90 days for all of the Company's other loans) or insignificant shortfall in amount of payments does not necessarily result in the loan being identified as impaired.
Loans Held-for-Sale
Loans held-for-sale ("LHFS") are recorded at either estimated fair value (if the fair value option is elected) or the lower of cost or fair value. The Company has elected to account for residential real estate mortgages originated with the intent to sell at fair value. Generally, residential loans are valued on an aggregate portfolio basis, and commercial loans are valued on an individual loan basis. Gains and losses on LHFS which are accounted for at fair value are recorded in other non-interest income. Direct loan origination costs and fees are recorded in other non-interest income at origination. The fair value of LHFS is based on what secondary markets are currently offering for portfolios with similar characteristics, and related gains and losses are recorded in non-interest income. All other LHFS, including retail installment contracts which the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff, are carried at the lower of cost or fair value. For LHFS recorded at the lower of cost or fair value, direct loan origination costs and fees are deferred at origination and are recognized in other non-interest income at the time of sale.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
Allowance for Loan Losses and Reserve for Unfunded Lending Commitments
The allowance for loan losses and reserve for unfunded lending commitments, collectively referred to as the “Allowance for credit losses,” are maintained at levels that management considers adequate to provide for losses based upon an evaluation of known and inherent risks in the loan portfolio. Management's evaluation takes into consideration the risks inherent in the loan portfolio, past loan loss experience, specific loans with loss potential, geographic and industry concentrations, delinquency trends, economic conditions and other relevant factors. While management uses the best information available to make such evaluations, future adjustments to the allowance for credit losses may be necessary if conditions differ substantially from the assumptions used in making the evaluations.
The allowance for loan losses consists of two elements: (i) an allocated allowance, which is comprised of allowances established on loans specifically evaluated for impairment and loans collectively evaluated for impairment based on historical loan loss experience adjusted for current trends and both general economic conditions and other risk factors in the Company's loan portfolios, and (ii) an unallocated allowance to account for a level of imprecision in management's estimation process. Reserve levels are collectively reviewed for adequacy and approved quarterly by Board-level committees.
Management regularly monitors the condition of borrowers and assesses both internal and external factors in determining whether any relationships have deteriorated considering factors such as historical loss experience, trends in delinquency and non-performing loans, changes in risk composition and underwriting standards, experience and ability of staff and regional and national economic conditions and trends.
For the commercial loan portfolio segment, the Company has specialized credit officers and workout units that identify and manage potential problem loans. Changes in management factors, financial and operating performance, company behavior, industry factors and external events and circumstances are evaluated on an ongoing basis to determine whether potential impairment is evident and additional analysis is needed. For the commercial loan portfolio segment, risk ratings are assigned to each loan to differentiate risk within the portfolio, and are reviewed on an ongoing basis by credit risk management and revised, if needed, to reflect the borrower's current risk profile and the related collateral positions. The risk ratings consider factors such as financial condition, debt capacity and coverage ratios, market presence and quality of management. Generally, credit officers reassess a borrower's risk rating on no less than an annual basis, and more frequently if warranted. This reassessment process is managed on a continual basis by the Credit Monitoring group to ensure consistency and accuracy in risk ratings as well as appropriate frequency of risk rating review by the Company's credit officers. The Company's Internal Audit group regularly performs loan reviews and assesses the appropriateness of assigned risk ratings. When a loan's risk rating is downgraded beyond a certain level, the Company's Workout Department becomes responsible for managing the credit risk. Risk rating actions are generally reviewed formally by one or more credit committees, depending on the size of the loan and the type of risk rating action being taken. Detailed analyses are completed that support the risk rating and management's strategies for the customer relationship going forward.
The consumer loan portfolio segment and small business loans are monitored for credit risk and deterioration with statistical tools considering factors such as delinquency, loan-to-value ("LTV") ratio, and credit scores. The Bank evaluates the consumer portfolios throughout their life cycle on a portfolio basis. When problem loans are identified that are secured with collateral, management examines the loan files to evaluate the nature and type of collateral supporting the loans. Management documents the collateral type, date of the most recent valuation, and whether any liens exist, to determine the value to compare against the committed loan amount.
For retail installment contracts and personal unsecured loans, the Company estimates the allowance for loan losses at a level considered adequate to cover probable credit losses inherent in the portfolio. Probable losses are estimated based on contractual delinquency status and historical loss experience, in addition to the Company’s judgment of estimates of the value of the underlying collateral, bankruptcy trends, economic conditions such as unemployment rates, changes in the used vehicle value index, delinquency status, historical collection rates and other information in order to make the necessary judgments as to probable loan losses.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
When the Company determines that the value of an impaired loan is less than its carrying amount, the Bank recognizes impairment through a provision estimate or a charge-off to the allowance. Management performs these assessments on at least a quarterly basis.
For the commercial loan portfolio segment, a charge-off is recorded when a loan, or a portion thereof, is considered uncollectible and of such little value that its continuance on the Company's books as an asset is not warranted, as required by accounting and regulatory guidance. Charge-offs are recorded on a monthly basis and partially charged-off loans continue to be evaluated on not less than a quarterly basis, with additional charge-offs or loan loss provisions taken on the remaining loan balance, if warranted, utilizing the same criteria.
Consumer loans (excluding auto loans and credit cards) and any portion of a consumer loan secured by a real estate mortgage not adequately secured are generally charged-off when deemed to be uncollectible or delinquent 180 days or more (120 days for closed-end consumer loans not secured by real estate), whichever comes first, unless it can be clearly demonstrated that repayment will occur regardless of the delinquency status. Factors that would demonstrate repayment include: a loan that is secured by collateral and is in the process of collection; a loan supported by a valid guarantee or insurance; or a loan supported by a valid claim against a solvent estate. Auto loans are charged off when an account becomes 121 days delinquent if the Company has not repossessed the related vehicle. The Company charges off accounts in repossession when the automobile is repossessed and legally available for disposition. Credit cards are charged off when they are 180 days delinquent or within 60 days after the receipt of notification of the cardholder’s death or bankruptcy.
Retail installment contracts acquired individually are charged off when the account becomes 120 days past due if the Company has not repossessed the related vehicle. The Company charges off accounts in repossession when the automobile is repossessed and is legally available for disposition. A charge-off represents the difference between the estimated net sales proceeds and the outstanding amount of the delinquent contract. Accounts in repossession that have been charged off and are pending liquidation are removed from retail installment contracts and the related repossessed automobiles are included in other assets in the Company’s Condensed Consolidated Balance Sheets. Unsecured revolving and term loans are charged off when the account becomes 180 and 120 days past due, respectively.
Within the consumer loan portfolio segment, for both residential and home equity loans, loss severity assumptions are incorporated into the loan loss reserve models to estimate loan balances that will ultimately charge-off. These assumptions are based on recent loss experience for six loan-to-value bands within the portfolios. Current loan-to-value ratios are updated based on movements in the state-level Federal Housing Finance Agency House Pricing Indexes.
Additionally, the Company reserves for certain incurred, but undetected, losses within the loan portfolio. This is due to several factors such as, but not limited to, inherent delays in obtaining information regarding a customer's financial condition or changes in its unique business conditions and the interpretation of economic trends. While this analysis is conducted at least quarterly, the Company has the ability to revise the allowance factors whenever necessary in order to address improving or deteriorating credit quality trends or specific risks associated with a loan pool classification.
Regardless of the extent of the Company's analysis of customer performance, portfolio evaluations, trends or risk management processes established, a level of imprecision will always exist due to the judgmental nature of loan portfolio and/or individual loan evaluations. The Company maintains an unallocated allowance to recognize the existence of these exposures.
In addition to the allowance for loan losses, management estimates probable losses related to unfunded lending commitments. Unfunded lending commitments for commercial customers are analyzed and segregated by risk according to the Company's internal risk rating scale. These risk classifications, in conjunction with an analysis of historical loss experience, current economic conditions and performance trends within specific portfolio segments, and any other pertinent information result in the estimation of the reserve for unfunded lending commitments. Additions to the reserve for unfunded lending commitments are made by charges to the Provision for credit losses, and this reserve is classified within Other liabilities on the Company's Condensed Consolidated Balance Sheets.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
Risk factors are continuously reviewed and revised by management when conditions warrant. A comprehensive analysis of the allowance for loan losses and reserve for unfunded lending commitments is performed by the Company on a quarterly basis. In addition, a review of allowance levels based on nationally published statistics is conducted on at least an annual basis.
The factors supporting the allowance for loan losses and the reserve for unfunded lending commitments do not diminish the fact that the entire allowance for loan losses and the reserve for unfunded lending commitments are available to absorb losses in the loan portfolio and related commitment portfolio, respectively. The Company's principal focus, therefore, is on the adequacy of the total allowance for loan losses and reserve for unfunded lending commitments.
The allowance for loan losses and the reserve for unfunded lending commitments are subject to review by banking regulators. The Company's primary bank regulators conduct examinations of the allowance for loan losses and reserve for unfunded lending commitments and make assessments regarding their adequacy and the methodology employed in their determination.
See Note 5 to the Condensed Consolidated Financial Statements for detail on the Company's loans and related allowance.
Leases
The Company provides financing for various types of equipment, aircraft, energy and power systems, and automobiles through a variety of lease arrangements.
Prior to the Change in Control, leased vehicles under operating leases were carried at amortized cost net of accumulated depreciation and any impairment charges and are presented as Leased Vehicles, net in the Company’s Condensed Consolidated Balance Sheets. As a result of the Change in Control, the assets acquired were adjusted to an estimated fair value. New originations of the operating leases will be recorded at amortized cost. The depreciation expense of the vehicles is recognized on a straight-line basis over the contractual term of the leases to the expected residual value. The expected residual value and, accordingly, the monthly depreciation expense may change throughout the term of the lease. The Company estimates expected residual values using independent data sources and internal statistical models that take into consideration economic conditions, current auction results, the Company’s remarketing abilities, and manufacturer vehicle and marketing programs.
Lease payments due from customers are recorded as income within other non-interest income in the Company’s Condensed Consolidated Statement of Operations, unless and until a customer becomes more than 60 days delinquent, at which time the accrual of revenue is discontinued. The accrual is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. Payments from the vehicle’s manufacturer under their subvention programs are recorded as reductions to the cost of the vehicle and are recognized as an adjustment to depreciation expense on a straight-line basis over the contractual term of the lease. The Company periodically evaluates its investment in operating leases for impairment if circumstances, such as a general decline in used vehicle values, indicate that impairment may exist.
The Company’s investments in leases that are accounted for as direct financing leases are carried at the aggregate of lease payments plus estimated residual value of the leased property, less unearned income and are reported as part loans held for investment in the Company’s Condensed Consolidated Balance Sheets. Leveraged leases, a form of financing lease, are carried net of non-recourse debt. We recognize income over the term of the lease using the constant effective yield method.
Under the accounting for impairment or disposal of long-lived assets, residual values of operating leases are evaluated individually for impairment. When aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased asset at the end of the lease, are less than the book value of the lease, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Otherwise, reductions in the expected residual value result in additional depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds. Gains or losses on the sale of leased assets are included in Other non-interest income, while valuation adjustments on lease residuals are included in Other non-interest expense.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
Premises and Equipment
Premises and equipment are carried at cost, less accumulated depreciation. Depreciation is calculated utilizing the straight-line method. Estimated useful lives are as follows:
Office buildings		10 to 30 years
Leasehold improvements(1)		10 to 30 years
Software(2)		3 to 5 years
Furniture, fixtures and equipment		3 to 10 years
Automobiles		5 years
(1)Leasehold improvements are depreciated over the shorter of the useful lives of the assets or the remaining term of the leases. The useful life of the leasehold improvements may be extended beyond the base term of the lease contract when the lease contract includes renewal option period(s) that are reasonably assured of being exercised at the date the leasehold improvements are purchased.  At no point does the depreciable life exceed the economic useful life of the leasehold improvement or the expected term of the lease contract.
(2)Standard depreciable period for software is three years. However, for larger software implementation projects, a five-year period is utilized. For the 2012 information technology ("IT") transformation, the Company utilized a depreciable period of five years.
Expenditures for maintenance and repairs are charged to Occupancy and Equipment expense in the Condensed Consolidated Statement of Operations as incurred.
Cost and Equity Method Investments
For investments in limited partnerships, limited liability companies and other investments that are not required to be consolidated, the Company uses either the equity method or the cost method of accounting. The Company uses the equity method for general and limited partnership ownership interests, limited liability companies and other unconsolidated equity investments in which the Company is considered to have significant influence over the operations of the investee. Under the equity method, the Company records the equity ownership share of net income or loss of the investee in "Income/ (expense) from equity method investments". The Company uses the cost method for all other investments. Under the cost method, there is no change to the cost basis unless there is an other-than-temporary decline in value or dividends are received. If the decline is determined to be other-than temporary, the Company writes down the cost basis of the investment to a new cost basis that represents realizable value. The amount of the write-down is accounted for as a loss included in "Income/ (expense) from equity method investments". Distributions received from the income of an investee on cost method investments are included in "Income/ (expense) from equity method investments". Investments described above are included in the caption "Equity method investments" on the Condensed Consolidated Balance Sheet.
See Note 6 to the Condensed Consolidated Financial Statements for a related discussion of the Company's equity investments in securitization trusts and entities.
Goodwill
Goodwill is the excess of the purchase price over the fair value of the tangible and identifiable intangible assets and liabilities of companies acquired through business combinations accounted for under the acquisition method.
Goodwill and other indefinite-lived intangible assets are not amortized on a recurring basis, but rather are subject to periodic impairment testing. Management performs an annual goodwill impairment test and whenever events occur or circumstances change that indicate the fair value of a reporting unit may be below its carrying value.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
The Company tests goodwill for impairment annually on October 1. The Company performed goodwill impairment testing as October 1, 2013 and concluded that goodwill was not impaired. For the quarter ending March 31, 2014, there were no indicators of impairment that resulted in the Company performing an impairment analysis.
The Company has recognized $5.5 billion of goodwill when it obtained a controlling financial interest in SCUSA, which was accounted for as a business combination. Refer to Note 3 to the Condensed Consolidated Financial Statements for details of the business combination and Note 7 to the Condensed Consolidated Financial Statements for detail on the Company's goodwill.
Intangible Assets, excluding Goodwill
The Company's intangible assets consist of assets purchased or acquired through business combinations, including trade names, dealer networks, IT platforms and systems, and core deposit intangibles. Certain intangible assets are amortized over their useful lives. The Company evaluates identifiable intangibles for impairment when an indicator of impairment exists, but not less than annually. Separable intangible assets that are not deemed to have an indefinite life continue to be amortized over their useful lives.
Indefinite-lived intangible assets are not amortized on a recurring basis, but rather are subject to periodic impairment testing when an indicator of impairment exists, but not less than annually.
The Company has recognized $478.8 million of intangible assets when it obtained a controlling financial interest in SCUSA, which was accounted for as a business combination. Refer to Note 3 to the Condensed Consolidated Financial Statements for additional details related to the intangible assets.
Mortgage Servicing Rights
Effective January 1, 2012, the Company elected to measure our residential MSRs at fair value. This election was made to be consistent with the risk management strategy to hedge changes in the fair value of these assets. The fair value of residential MSRs is estimated by using a cash flow valuation model which calculates the present value of estimated future net servicing cash flows, taking into consideration actual and expected mortgage loan prepayment rates, discount rates, servicing costs, and other economic factors which are determined based on current market conditions. Assumptions incorporated into the residential MSRs valuation model reflect management's best estimate of factors that a market participant would use in valuing the residential MSRs. Although sales of residential MSRs do occur, residential MSRs do not trade in an active market with readily observable prices.
As a benchmark for the reasonableness of the residential MSRs fair value, opinions of value from independent parties (“Brokers”) are obtained. Brokers provide a range of values based upon their own discounted cash flow calculations of our portfolio that reflect conditions in the secondary market and any recently executed servicing transactions. Management compares the internally-developed residential MSR values to the ranges of values received from Brokers. If the residential MSRs fair value falls outside of the Brokers' ranges, management will assess whether a valuation adjustment is warranted. The residential MSRs value is considered to represent a reasonable estimate of fair value.
See Note 8 to the Condensed Consolidated Financial Statements for detail on MSRs.
Bank Owned Life Insurance
BOLI represents the cash surrender value of life insurance policies for certain current and former employees who have provided positive consent to allow the Bank to be the beneficiary of such policies. Increases in the net cash surrender value of the policies, as well as insurance proceeds received, are recorded in non-interest income, and are not subject to income taxes.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
Other Real Estate Owned and Other Repossessed Assets
Other real estate owned (“OREO”) and other repossessed assets consist of properties and other assets acquired by, or in lieu of, foreclosure in partial or total satisfaction of non-performing loans. Assets obtained in satisfaction of a loan is recorded at the lower of cost or estimated fair value minus estimated costs to sell based upon the property's appraisal value at the date of transfer. The excess of the carrying value of the loan over the fair value of the property minus estimated costs to sell are charged to the allowance for loan losses at the initial measurement date. Subsequent to the acquisition date, OREO is carried at the lower of cost or fair value less estimated cost to sell. Any declines in the fair value of OREO below the initial cost basis are recorded through a valuation allowance with a charge to non-interest income. Increases in the fair value of the OREO net of estimated selling costs will reverse the valuation allowance, but only up to the cost basis which was established at the initial measurement date. Costs of holding the property are recorded as operating expenses, except for significant property improvements, which are capitalized to the extent that the carrying value does not exceed the estimated fair value. OREO and other repossessed assets are classified within Other Assets on the Consolidated Balance Sheets and totaled $232.3 million and $91.7 million at March 31, 2014 and December 31, 2013, respectively.
Derivative Instruments and Hedging Activity
The Company uses derivative financial instruments primarily to help manage exposure to interest rate, foreign exchange, equity and credit risk. Derivative financial instruments are also used to reduce the effects that changes in interest rates may have on net income, fair value of assets and liabilities, and cash flows. The Company also enters into derivatives with customers to facilitate their risk management activities.
Derivative instruments designated in a hedge relationship to mitigate exposure to changes in the fair value of an asset, liability or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivative instruments designated in a hedge relationship to mitigate exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. The Company formally documents the relationships of certain qualifying hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking each hedge transaction.
Fair value hedges that are highly effective are accounted for by recording the change in the fair value of the derivative instrument and the related hedged asset, liability or firm commitment on the Condensed Consolidated Balance Sheet, with the corresponding income or expense recorded in the Condensed Consolidated Statement of Operations. The adjustment to the hedged asset or liability is included in the basis of the hedged item, while the fair value of the derivative is recorded as an other asset or other liability. Actual cash receipts or payments and related amounts accrued during the period on derivatives included in a fair value hedge relationship are recorded as adjustments to the income or expense associated with the hedged asset or liability.
Cash flow hedges that are highly effective are accounted for by recording the fair value of the derivative instrument on the Condensed Consolidated Balance Sheet as an asset or liability, with a corresponding charge or credit, net of tax, recorded in accumulated other comprehensive income within stockholder's equity in the accompanying Condensed Consolidated Balance Sheet. Amounts are reclassified from accumulated other comprehensive income to the Consolidated Statements of Operations in the period or periods the hedged transaction affects earnings. In the case in which certain cash flow hedging relationships have been terminated, the Company continues to defer the net gain or loss in accumulated other comprehensive income and reclassifies it into interest expense as the future cash flows occur, unless it becomes probable that the future cash flows will not occur.
We discontinue hedge accounting when it is determined that the derivative no longer qualifies as an effective hedge; the derivative expires or is sold, terminated or exercised; the derivative is designated as a fair value or cash flow hedge; or, for a cash flow hedge, it is no longer probable that the forecasted transaction will occur by the end of the originally specified time period. If we determine that the derivative no longer qualifies as a fair value or cash flow hedge and hedge accounting is discontinued, the derivative will continue to be recorded on the balance sheet at its fair value, with changes in fair value included in current earnings. For a discontinued fair value hedge, the previously hedged item is no longer adjusted for changes
in fair value.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
The portion of gains and losses on derivative instruments not considered highly effective in hedging the change in fair value or expected cash flows of the hedged item, or derivatives not designated in hedging relationships, are recognized immediately in the Condensed Consolidated Statement of Operations. See Note 10 to the Condensed Consolidated Financial Statements for further discussion.
Income Taxes
The Company accounts for income taxes under the asset and liability method. Deferred taxes are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that will apply to taxable income in the years in which those temporary differences are expected to reverse or be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized as income or expense in the period that includes the enactment date.
A valuation allowance will be established if the Company determines that it is more likely than not that a deferred tax asset will not be realized. This requires periodic reviews of the carrying amount of deferred tax assets and when the deferred tax assets will be realized in future periods. Consideration is given to all positive and negative evidence related to the realization of deferred tax assets. Items considered in this evaluation include historical financial performance, expectation of future earnings, the ability to carry back losses to recoup taxes previously paid, length of statutory carryforward periods, experience with operating loss and tax credit carryforwards not expiring unused, tax planning strategies and timing of reversals of temporary differences. Significant judgment is required in assessing future earnings trends and the timing of reversals of temporary differences. The Company's evaluation is based on current tax laws, as well as management's expectations of future performance.
In establishing a provision for income tax expense, the Company must make judgments and interpretations about the application of inherently complex tax laws of the U.S. and its states and municipalities, as well as certain foreign countries. Actual income taxes paid may vary from estimates depending upon changes in income tax laws, actual results of operations, and the final audit of tax returns by taxing authorities. Tax assessments may arise several years after tax returns have been filed. The Company reviews its tax balances quarterly and, as new information becomes available, the balances are adjusted as appropriate. Interest and penalties on income tax payments are included within Income tax provision on the Consolidated Statements of Operations.
The Company recognizes in its financial statements tax benefits from tax positions when it is more likely than not the position will be sustained upon examination by tax authorities. Such tax positions are initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon ultimate settlement with the tax authority, assuming full knowledge of the position and all relevant facts. See Note 11 of the Condensed Consolidated Financial Statements for details on the Company's income taxes.
Asset Securitizations
The Company has historically securitized multi-family and commercial real estate loans, mortgage loans, home equity and other consumer loans, as well as automotive floor plan receivables that it originated and/or purchased from certain other financial institutions. After receivables or loans are securitized, the Company continues to maintain account relationships with its customers. The Company may provide administrative, liquidity facilities and/or other services to the resulting securitization entities, and may continue to service the financial assets sold to the securitization entity.
If the securitization transaction meets the accounting requirements for deconsolidation and sale treatment, the securitized receivables or loans are removed from the balance sheet and a net gain or loss is recognized in income at the time of sale and each subsequent sale. Net gains or losses resulting from securitizations are recorded in non-interest income. See further discussion on the Company's securitizations in Note 6.
NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
Stock-Based Compensation
The Company, through Santander, sponsors stock plans under which incentive and non-qualified stock options and non-vested stock may be granted periodically to certain employees. The Company recognizes compensation expense related to stock options and non-vested stock awards based upon the fair value of the awards on the date of the grant, adjusted for expected forfeitures, which is charged to earnings over the requisite service period (e.g., vesting period). Additionally, the Company estimates the number of awards for which it is probable that service will be rendered and adjusts compensation cost accordingly. Estimated forfeitures are subsequently adjusted to reflect actual forfeitures.
The Company has also assumed several other stock-based arrangements in connection with the Change in Control. The Company was required to recognize stock option awards that were outstanding as of the Change in Control date at fair value. The portion of the fair value measurement of the share-based payments that is attributable to pre-business combination service is recognized as non-controlling interest and the portion relating to any remaining post business combination service is recognized as stock compensation expense over the remaining vesting period of the awards in the Company’s post business combination financial statements.

RECENT_ACCOUNTING_DEVELOPMENTS

RECENT ACCOUNTING DEVELOPMENTS	3 Months Ended
	Mar. 31, 2014
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]	'
RECENT ACCOUNTING DEVELOPMENTS	'
	RECENT ACCOUNTING DEVELOPMENTS
	In February 2013, the FASB issued Accounting Standards Update (ASU) 2013-04, an update to ASC 405, "Liabilities." This ASU requires a company to measure obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date as the sum of (a) the amount the reporting entity agreed to pay on the basis of its arrangement among its co-obligors and (b) any additional amount the reporting entity expects to pay on behalf of its co-obligors. This ASU also requires a company to disclose the nature and amount of the obligations as well as other information about those obligations. The amendments to this update were effective January 1, 2014 for the Company and were applied retrospectively for all prior periods presented for those obligations resulting from joint and several liability arrangements within the update's scope that exist at the beginning of the Company's fiscal year of adoption. The implementation of this guidance did not have a significant impact on the Company's financial position or results of operations or disclosures.
	In July 2013, the FASB issued ASU 2013-10, an update to ASC 815, "Derivatives and Hedging." This ASU permits the use of the Fed Funds Effective Swap Rate (OIS) as a U.S. benchmark interest rate for hedge accounting purposes, in addition to U.S. Treasury rate and LIBOR. The amendments also remove the restriction on using different benchmark rates for similar hedges. The provisions of this update were effective on July 17, 2013 for qualifying new or re-designated hedging relationships entered into on or after that date. Earlier application of the guidance is not permitted. The implementation of this guidance did not have a significant impact on the Company's financial position, results of operations or disclosures. Impact of the adoption of this guidance is discussed in Note 10.
	In July 2013, the FASB issued ASU 2013-11, an update to ASC 740, "Income Taxes." This ASU requires unrecognized tax benefits, or a portion of which, to be presented in the statement of financial position as a reduction to a deferred tax asset for a net operating loss carryforwards, similar tax losses, or tax credit carryforwards. The ASU includes an exception that if the net operating loss carryforwards, similar tax losses, or a tax credit carryforwards are not available to settle any additional income taxes that would result from the disallowance of a tax position at the reporting date or the tax law of the applicable jurisdiction does not require the entity to use them and the entity does not intend to use them, the unrecognized tax benefits for such purpose should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The provisions of this update were effective January 1, 2014 for the Company and were applied prospectively. The implementation of this guidance did not have a significant impact on the Company's financial position or results of operations or disclosures. The Company adopted the ASU 2013-11 beginning January 1, 2014, which resulted in a $93.9 million reduction in deferred tax assets.
	NOTE 2. RECENT ACCOUNTING DEVELOPMENTS (continued)
	In January 2014, the FASB issued ASU 2014-01, an update to ASC 323, "Investments - Equity Method and Joint Ventures." The amendments in the ASU allow an entity to make an accounting policy election to account for its investments in qualified affordable housing projects using the proportional amortization method, if certain conditions are met. Under this method, an investor amortizes the cost of its investments in proportion to the tax credits and other tax benefits received and present the amortization as a component of income tax expense. Additional disclosures were also set forth in this update. The new ASU is effective on a retrospective basis beginning on January 1, 2015, with early adoption permitted. The Company is currently evaluating whether it will adopt the ASU. If adopted, the Company does not expect the adoption to have a significant impact on the Company's financial position, results of operations or disclosures.
	In January 2014, the FASB issued ASU 2014-04, an update to ASC 310, "Receivables." The ASU clarifies when an in-substance repossession or foreclosure occurs that would require the transfer of a mortgage loan to other real estate owned (OREO) in the statement of financial position. Under the ASU an in substance repossession or foreclosure occurs when the creditor obtains legal title to the residential real estate property or the borrower conveys all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. The new ASU is effective beginning on January 1, 2015, with early adoption permitted. Entities may elect to adopt the new ASU by either using a modified retrospective transition method or a prospective transition method. The Company is currently evaluating the impact of this ASU on its financial position, results of operations or disclosures.

BUSINESS_COMBINATIONS

BUSINESS COMBINATIONS	3 Months Ended
	Mar. 31, 2014
Business Combinations [Abstract]	'
BUSINESS COMBINATIONS	'
	BUSINESS COMBINATIONS
	General
	On January 28, 2014, the Company obtained a controlling financial interest in SCUSA in connection with the Change in Control.
	The financial information set forth in these Condensed Consolidated Financial Statements gives effect to the Company’s consolidation of SCUSA as a result of the Change in Control. The following information is presented on a provisional basis based upon all information available to the Company at the present time and is subject to change, and such changes could be material. The Company continues to review the underlying assumptions and valuation techniques utilized to calculate the fair value of certain definite-lived intangibles, financing receivables, leased vehicles, goodwill and deferred income taxes. Additional adjustments may be recorded during the allocation period specified by ASC 805 as additional information becomes known.
	NOTE 3. BUSINESS COMBINATIONS (continued)
	Consolidated Assets acquired and Liabilities assumed
	The Company did not incur any material transaction related expenses related to the Change in Control, and no cash, equity interests, or other forms of consideration were transferred from the Company in connection with the Change in Control. As a result, the Company measured goodwill by reference to the fair value of SCUSA equity as implied by the IPO offering price. The following table summarizes these equity related interests in SCUSA which constitute the purchase price and the identified assets acquired and liabilities assumed:
	(dollars in thousands)	January 28, 2014
	Fair value of noncontrolling interest in SCUSA	$	3,273,265
	Fair value of SCUSA employee vested stock options	210,181
	Fair value of SHUSA remaining ownership interest in SCUSA	5,063,881
	Fair value of equity related interests in SCUSA	$	8,547,327
	Recognized amounts of identifiable assets acquired and liabilities assumed:
	Cash and cash equivalents	$	11,075
	Restricted Cash	1,704,906
	Loan receivables - held for sale	990,137
	Loan receivables - autos	19,870,790
	Loan receivables from dealers	102,689
	Loan receivables - unsecured	1,009,896
	Premises and equipment	74,998
	Leased vehicles, net	2,518,285
	Intangibles	768,750
	Miscellaneous receivables and other assets	1,061,351
	Borrowings and other debt obligations	(24,497,607		)
	Deferred tax liability	(1,215		)
	Accounts payable and accrued liabilities	(551,924		)
	Total identifiable net assets	3,062,131
	Goodwill	$	5,485,196
	The fair value of the non-controlling interest of $3.27 billion and the fair value of the Company's remaining ownership interest in SCUSA of $5.06 billion were determined on the basis of the market price of SCUSA's common shares on the Change in Control date.
	The Company recognized SCUSA’s stock option awards that were outstanding as of the IPO date at fair value, which in aggregate amounted to $354.3 million. The portion of the total fair value of the stock option awards that is attributable to pre-business combination service amounting to $210.2 million represent non-controlling interest in SCUSA as of the IPO date, while $144.1 million of the total amount pertains to the post-business combination portion which will be recognized as stock compensation expense over the remaining vesting period of the awards in the Company’s post-business combination consolidated financial statements. Of the total $144.1 million, $82.6 million was immediately recognized as stock compensation expense as a result of the acceleration of the vesting of certain of the stock option awards upon the closing of the IPO. The fair value of share option awards were estimated using the Black-Scholes option valuation model.
	The fair value of the assets acquired includes finance receivables. SHUSA estimated the fair value of loans acquired from SCUSA by utilizing a methodology in which similar loans were aggregated into pools. Cash flows for each pool were determined by estimating future credit losses and the rate of prepayments. Projected monthly cash flows were then discounted to present value based on a market rate for similar loans. There was no carryover of SCUSA's allowance for loan losses associated with the loans SHUSA acquired as the loans were initially recorded at fair value.
	NOTE 3. BUSINESS COMBINATIONS (continued)
	(dollars in thousands)	January 28, 2014
	Fair value of loan receivables (1)	$	19,870,790
	Gross contractual amount of loan receivables (1)	$	31,410,699
	Estimate of contractual cash flows not expected to be collected at acquisition (1)	$	4,301,586
	(1) - Fair value of receivables does not include amounts related to the loan receivables - unsecured and loan receivables from dealers due to the short-term and revolving nature of the receivables.
	The goodwill, which is not amortized for book purposes, is attributable to SCUSA's workforce as well as the experience, proven track record, and strong capabilities of its senior management team. The goodwill associated with the Change in Control was allocated to our SCUSA segment and is not deductible for tax purposes.
		January 28, 2014
		Fair Value			Weighted Average Amortization Period
		(dollars in thousands)
	Intangibles subject to amortization:
	Dealer networks	$	580,000		17.5 years (a)
	Chrysler relationship	138,750			9.2 years
	Intangibles not subject to amortization:
	Trade name	50,000			indefinite lived
	Total Intangibles	$	768,750
	(a) - The amortization periods of the dealer network range between 7 and 20 years.
	Gain on Change in Control
	The Company recognized a pre-tax gain of $2.4 billion in connection with the Change in Control in Non-interest Income in the Condensed Consolidated Statement of Operations.
	(dollars in thousands)	28-Jan-14
	Gain attributable to SCUSA shares sold	$	137,536
	Gain attributable to the remaining equity interest	2,291,003
	Total pre-tax gain	$	2,428,539
	In connection with the closing of the IPO on January 28, 2014, the Company sold 13,895,243 shares of SCUSA Common Stock, which generated a realized gain on sale of $137.5 million.
	Proforma Financial Information
	The results of SCUSA are included in our results beginning January 28, 2014. The following table summarizes the actual unaudited amounts of Total revenue, net of Total interest expense and Net income including Noncontrolling Interest of SCUSA included in our Condensed Consolidated Financial Statements for the three months ended March 31, 2014 and the supplemental pro forma consolidated Total revenue, net of Total interest expense and Net income including Noncontrolling Interest of SHUSA entity for the three months ended March 31, 2014 and 2013, respectively, as if the Change in Control had occurred on January 1, 2013. These results include the impact of amortizing certain purchase accounting adjustments such as intangible assets as well as fair value adjustments to loans and issued debt. These pro forma results are presented for illustrative purposes and are not intended to represent or be indicative of the actual consolidated results of operations of SHUSA that would have been achieved had the Change in Control occurred at January 1, 2013, nor are they intended to represent or be indicative of future results of operations.
	NOTE 3. BUSINESS COMBINATIONS (continued)
		SCUSA Amounts Included in Results for the Three-Month Period Ended March 31, 2014			Supplemental Pro Forma - Combined Three Month Period Ended March 31,
	(dollars in thousands)				2014 (b)		2013 (b)(c)
	Total Revenue, Net of Total Interest Expense (a)	$	1,066,725		$	1,930,714	$	4,136,947
	Net Income including Noncontrolling Interest	238,066			105,669		2,254,868
	(a) - Total Revenue, Net of Total Interest Expense is calculated as the sum of Total Interest Income and Total Non-Interest Income, less Total Interest Expense.
(b) - Includes the impact of recording provision for loan losses necessary to bring the retail installment contracts and personal unsecured loans to their expected carrying values considering the required allowance for loan losses on their recorded investment amounts. See Note 1 for a related discussion of the Company's accounting policy specific to these loans.
(c) - Included within the Supplemental Pro Forma - Combined Total Revenue, Net of Total Interest Expense and Net Income for the three months ended March 31, 2013 is a non-recurring gain of $2.43 billion and $1.53 billion, respectively, that arose on the remeasurement of SHUSA's equity method investment in SCUSA to fair value.
These amounts have been calculated after applying SHUSA's accounting policies and adjusting the results of SCUSA to reflect additional depreciation and amortization that would have been charged assuming the fair value adjustments to loans, debt, premises and equipment had been applied from January 1, 2013 with the consequential tax effects.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2014
Investments, Debt and Equity Securities [Abstract]	'
INVESTMENT SECURITIES	'
	INVESTMENT SECURITIES
	Available-for-sale
	Investment Securities Summary - Available-for-sale
	The following tables present the amortized cost, gross unrealized gains and losses and approximate fair values of securities available-for-sale at the dates indicated:
		March 31, 2014
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Loss
		(in thousands)
	U.S. Treasury and government agency securities	$	24,999	$	1		$	—		$	25,000
	Corporate debt securities	2,202,808		40,101			(7,777		)	2,235,132
	Asset-backed securities	2,631,366		22,313			(3,573		)	2,650,106
	Equity securities	10,401		—			(441		)	9,960
	State and municipal securities	1,888,953		31,057			(31,250		)	1,888,760
	Mortgage-backed securities:
	U.S. government agencies	1,925,907		289			(65,782		)	1,860,414
	FHLMC and FNMA debt securities (1)	3,184,271		1,520			(174,814		)	3,010,977
	Non-agency securities	13,728		—			(4		)	13,724
	Total investment securities available-for-sale	$	11,882,433	$	95,281		$	(283,641	)	$	11,694,073
	NOTE 4. INVESTMENT SECURITIES (continued)
		December 31, 2013
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Loss
		(in thousands)
	U.S. Treasury and government agency securities	$	24,993	$	4		$	—		$	24,997
	Corporate debt securities	2,195,004		35,611			(12,435		)	2,218,180
	Asset-backed securities	2,727,235		9,345			(4,350		)	2,732,230
	Equity securities	10,331		—			(490		)	9,841
	State and municipal securities	1,891,996		20,515			(62,362		)	1,850,149
	Mortgage-backed securities:
	U.S. government agencies	1,904,178		134			(103,889		)	1,800,423
	FHLMC and FNMA debt securities (1)	3,202,428		1,486			(207,392		)	2,996,522
	Non-agency securities	13,898		—			—			13,898
	Total investment securities available-for-sale	$	11,970,063	$	67,095		$	(390,918	)	$	11,646,240
	(1) Federal Home Loan Mortgage Company ("FHLMC") and Federal National Mortgage Association ("FNMA")
	The Company continuously evaluates its investment strategies in light of changes in the regulatory and market environments that could have an impact on capital and liquidity. Based on this evaluation, it is reasonably possible that the Company may elect to pursue other strategies relative to its investment securities portfolio.
	As of March 31, 2014 and December 31, 2013, the Company had investment securities available-for-sale with an estimated fair value of $3.9 billion and $3.6 billion, respectively, pledged as collateral, which was made up of the following: $2.9 billion and $2.6 billion, respectively, were pledged to secure public fund deposits; $384.5 million and $445.9 million, respectively, were pledged at various brokers to secure repurchase agreements, support hedging relationships, and for recourse on loan sales; and $624.3 million and $562.3 million, respectively, were pledged to secure the Bank's customer overnight sweep product.
	At March 31, 2014 and December 31, 2013, the Company had $57.8 million and $60.5 million, respectively, of accrued interest related to investment securities.
	The Company's state and municipal bond portfolio primarily consists of general obligation bonds of states, cities, counties and school districts. The portfolio had a weighted average underlying credit risk rating of AA as of March 31, 2014. The largest geographic concentrations of state and local municipal bonds are in Texas, Florida, California and Washington, which represented 14.7%, 12.3%, 10.6%, and 10.9%, respectively, of the total portfolio. No other state comprised more than 10% of the total portfolio.
	Contractual Maturity of Debt Securities
	Contractual maturities of the Company’s debt securities available-for-sale at March 31, 2014 are as follows:
		Amortized		Fair
		Cost		Value
		(in thousands)
	Due within one year	$	498,361	$	501,591
	Due after 1 year but within 5 years	3,026,469		3,073,654
	Due after 5 years but within 10 years	1,159,424		1,159,019
	Due after 10 years	7,187,778		6,949,849
	Total	$	11,872,032	$	11,684,113
	Actual maturities may differ from contractual maturities when there is a right to call or prepay obligations with or without call or prepayment penalties.
	NOTE 4. INVESTMENT SECURITIES (continued)
	Gross Unrealized Loss and Fair Value of Securities Available-for-Sale
	The following tables present the aggregate amount of unrealized losses as of March 31, 2014 and December 31, 2013 on securities in the Company’s investment portfolio classified according to the amount of time that those securities have been in a continuous loss position:
		March 31, 2014
		Less than 12 months					12 months or longer						Total
		Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
		(in thousands)
	Corporate debt securities	$	745,036	$	(3,850	)	$	118,512		$	(3,927	)	$	863,548	$	(7,777	)
	Asset-backed securities	664,254		(3,272		)	41,349			(301		)	705,603		(3,573		)
	Equity securities	5,066		(166		)	4,833			(275		)	9,899		(441		)
	State and municipal securities	404,396		(15,371		)	232,184			(15,879		)	636,580		(31,250		)
Mortgage-backed securities:
U.S. government agencies	1,701,971		(60,098		)	121,190			(5,684		)	1,823,161		(65,782		)
FHLMC and FNMA debt securities	2,127,659		(119,197		)	854,099			(55,617		)	2,981,758		(174,814		)
Non-agency securities	13,621		(4		)	—			—			13,621		(4		)
Total	$	5,662,003	$	(201,958	)	$	1,372,167		$	(81,683	)	$	7,034,170	$	(283,641	)
	31-Dec-13
	Less than 12 months					12 months or longer						Total
	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
			Losses						Losses					Losses
	(in thousands)
Corporate debt securities	$	743,041	$	(10,868	)	$	32,020		$	(1,567	)	$	775,061	$	(12,435	)
Asset-backed securities	803,685		(4,111		)	24,316			(239		)	828,001		(4,350		)
Equity securities	5,020		(188		)	4,797			(302		)	9,817		(490		)
State and municipal securities	710,456		(45,972		)	126,345			(16,390		)	836,801		(62,362		)
Mortgage-backed securities:
U.S. government agencies	1,648,691		(94,937		)	139,791			(8,952		)	1,788,482		(103,889		)
FHLMC and FNMA debt securities	2,271,301		(150,996		)	695,830			(56,396		)	2,967,131		(207,392		)
Total	$	6,182,194	$	(307,072	)	$	1,023,099		$	(83,846	)	$	7,205,293	$	(390,918	)
Other-Than-Temporary Impairment
Management evaluates all investment products in an unrealized loss position for other-than-temporary impairment ("OTTI") on at least a quarterly basis. Individual securities are further assessed for OTTI as deemed necessary. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis. The OTTI assessment is a subjective process requiring the use of judgments and assumptions. During the securities-level assessments, consideration is given to (1) the intent not to sell and probability that the Company will not be required to sell the security before recovery of its cost basis to allow for any anticipated recovery in fair value, (2) the financial condition and near-term prospects of the issuer, as well as company news and current events, and (3) the ability to collect the future expected cash flows. Key assumptions utilized to forecast expected cash flows may include loss severity, expected cumulative loss percentage, cumulative loss percentage to date, weighted average FICO and weighted average LTV ratio, rating or scoring, credit ratings and market spreads, as applicable.
NOTE 4. INVESTMENT SECURITIES (continued)
The Company assesses and recognizes OTTI in accordance with applicable accounting standards. Under these standards, if the Company determines that impairment on its debt securities exists and it has made the decision to sell the security or it is more likely than not that the Company will be required to sell the security prior to recovery of its amortized cost basis, it recognizes the entire portion of the unrealized loss in earnings. If the Company has not made a decision to sell the security and it does not expect that it will be required to sell the security prior to the recovery of the amortized cost basis but the Company has determined that OTTI exists, it recognizes the credit-related portion of the decline in value of the security in earnings.
Management has concluded that the remaining unrealized losses on its debt and equity securities for which it has not recognized OTTI (which was comprised of 288 individual securities at March 31, 2014) are temporary in nature since (1) they are not related to the underlying credit quality of the issuers, (2) the entire contractual principal and interest due on these securities is currently expected to be recoverable, (3) the Company does not intend to sell these investments at a loss and (4) it is more likely than not that the Company will not be required to sell the investments before recovery of the amortized cost basis, which may be at maturity. Accordingly, the Company has concluded that the impairment on these securities is not other-than-temporary. The Company did not record any OTTI in earnings related to its investment securities in the three-month periods ended March 31, 2014 or March 31, 2013.
Gains (Losses) and Proceeds on Sales of Securities
Proceeds from sales of investment securities and the realized gross gains and losses from those sales are as follows:
	Three-Month Period
	Ended March 31,
	2014		2013
	(in thousands)
Proceeds from the sales of available-for-sale securities	$	88,113	$	2,587,183
Gross realized gains	1,944		73,524
Gross realized losses	—		(2		)
OTTI	—		—
Net realized gains	$	1,944	$	73,522
The Company uses the specific identification method to determine the cost of the securities sold and the gain or loss recognized.
The net gain realized for the three-month period ended March 31, 2013 was primarily comprised of the sale of corporate debt securities with a book value of $905.7 million for a gain of $34.7 million and the sale of collateralized mortgage obligations, mortgage-backed securities, with a book value of $1.3 billion for a gain of $33.4 million.
Other Investments
Other investments primarily include the Company's investment in the stock of the Federal Home Loan Bank ("FHLB") of Pittsburgh and the Federal Reserve Bank ("FRB") with carrying amounts of $717.1 million and $800.5 million as of March 31, 2014 and December 31, 2013, respectively. The stocks do not have readily determinable fair values because their ownership is restricted and they lack a market. The stocks can be sold back only at their par value of $100 per share and only to FHLBs or the FRB. Accordingly, these stocks are carried at cost. During the three-month period ended March 31, 2014, the Company sold $154.1 million of FHLB stock at par. There was no gain or loss associated with these sales.
Other investments also include an FHLB certificate of deposit ("CD") with a maturity date of September 2014 and carrying amount of $19.9 million as of both March 31, 2014 and December 31, 2013. The Company has the positive intent and ability to hold these investments until maturity. Accordingly, the investments are classified as part of Other investments in the Company's Condensed Consolidated Balance Sheet.
The Company evaluates these investments for impairment based on the ultimate recoverability of the par value, rather than by recognizing temporary declines in value.

LOANS_AND_ALLOWANCE_FOR_CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2014
Loans and Leases Receivable Disclosure [Abstract]	'
LOANS AND ALLOWANCE FOR CREDIT LOSSES	'
	LOANS AND ALLOWANCE FOR CREDIT LOSSES
	Overall
	The Company's loans are reported at their outstanding principal balances net of any unearned income, cumulative charge-offs, unamortized deferred fees and costs on originated loans and unamortized premiums or discounts on purchased loans. The Company maintains an Allowance for credit losses to provide for losses inherent in its portfolios. Certain loans are pledged as collateral for borrowings, securitizations, or special purpose entities ("SPEs"). These loans totaled $54.8 billion at March 31, 2014 and $36.2 billion at December 31, 2013. The increase is primarily driven by the consolidation of SCUSA in connection with the Change in Control.
	The Company engages in direct and leveraged lease financing, which totaled $1.0 billion at March 31, 2014 and $1.0 billion at December 31, 2013. Direct financing leases are recorded as the aggregate of minimum lease payments receivable plus the estimated residual value of the leased property, less unearned income. Leveraged leases, a form of direct financing leases, are recorded net of related non-recourse debt. Financing leases are included within commercial and industrial loans.
	Loans that the Company has the intent to sell are classified as LHFS. The LHFS portfolio balance at March 31, 2014 was $250.5 million, compared to $128.9 million at December 31, 2013. LHFS in the residential mortgage portfolio are reported at fair value. All other LHFS are accounted for at the lower of cost or market. For discussion on the valuation of LHFS at fair value, see Note 15 to the Condensed Consolidated Financial Statements.
	Interest income on loans is accrued based on the contractual interest rate and the principal amount outstanding, except for those loans classified as non-accrual. At March 31, 2014 and December 31, 2013, accrued interest receivable on the Company's loans was $436.6 million and $135.3 million, respectively.
	During the three months ended March 31, 2014, the Company purchased $816.5 million of performing multifamily loans.
	NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
	Loan and Lease Portfolio Composition
	The following table presents the composition of the gross loans held for investment by type of loan and by fixed and variable rates at the dates indicated:
		March 31, 2014							December 31, 2013
		Amount				Percent			Amount				Percent
		(dollars in thousands)
	Commercial loans held for investment:
	Commercial real estate loans	$	8,934,116			12.1	%		$	9,303,885			18.6	%
	Commercial and industrial loans	14,163,791				19.1	%		12,820,417				25.7	%
	Multi-family loans	9,365,927				12.6	%		8,237,029				16.5	%
	Other commercial (2)	1,802,005				2.4	%		1,789,891				3.6	%
	Total commercial loans held for investment	34,265,839				46.2	%		32,151,222				64.4	%
	Consumer loans secured by real estate:
	Residential mortgages	9,552,642				12.9	%		9,561,187				19.2	%
	Home equity loans and lines of credit	6,206,354				8.4	%		6,311,694				12.6	%
	Total consumer loans secured by real estate	15,758,996				21.3	%		15,872,881				31.8	%
	Consumer loans not secured by real estate:
	Retail installment contracts and auto loans	20,925,635				28.3	%		81,804				0.2	%
	Personal unsecured loans	1,558,553				2.1	%		493,785				1	%
	Other consumer (3)	1,553,593				2.1	%		1,321,985				2.6	%
	Total consumer loans	39,796,777				53.8	%		17,770,455				35.6	%
	Total loans held for investment (1)	$	74,062,616			100	%		$	49,921,677			100	%
	Total loans held for investment:
	Fixed rate	$	46,494,515			62.8	%		$	23,431,663			46.9	%
	Variable rate	27,568,101				37.2	%		26,490,014				53.1	%
	Total loans held for investment (1)	$	74,062,616			100	%		$	49,921,677			100	%
	(1)Total loans held for investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments. These items resulted in a net decrease in loan balances of $2.7 billion as of March 31, 2014 and a net increase in loan balances of $122.6 million as of December 31, 2013, respectively. The significant fluctuation between periods is due to the purchase accounting marks resulting from the Change in Control of SCUSA.
	(2)Other commercial primarily includes commercial equipment vehicle funding leases and loans.
	(3)Other consumer primarily includes recreational vehicles and marine loans.
	Portfolio segments and classes
	GAAP requires that entities disclose information about the credit quality of their financing receivables at disaggregated levels, specifically defined as “portfolio segments” and “classes,” based on management’s systematic methodology for determining the allowance for credit losses. For this, compared to the financial statement categorization of loans, the Company utilizes an alternate categorization to model and calculate the allowance for credit losses and track the credit quality, delinquency and impairment status of the underlying loan populations. In disaggregating its financing receivables portfolio, the Company’s methodology begins with the commercial and consumer segments.
	During the first quarter of 2014, the Company re-evaluated its portfolio classes of financing receivables as a result of the Change in Control of SCUSA. In connection with this evaluation, the Company has updated the following financing receivables disclosures to provide a clear reconciliation of its financial statement categorization to its portfolio segments and classes.
	NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
	The commercial segmentation reflects line of business distinctions. The three commercial real estate line of business distinctions include “Corporate banking” which includes commercial & industrial owner-occupied real estate, “Middle market commercial real estate” which represents the portfolio of specialized lending for investment real estate, including financing for continuing care retirement communities and “Santander real estate capital” which is the commercial real estate portfolio of the specialized lending group. "Commercial and industrial" loans includes non-real estate-related commercial and industrial loans. "Multifamily" represents loans for multi-family residential housing units. “Other commercial” primarily represents the commercial equipment and vehicle funding ("CEVF") business.
	The following table reconciles the Company's recorded investment classified by its major loan classifications to its commercial loan classifications utilized in its determination of the allowance for loan losses and other credit quality disclosures at March 31, 2014 and December 31, 2013, respectively:
	Commercial Portfolio Segment(2)
	Major Loan Classifications(1)		31-Mar-14				31-Dec-13
			(in thousands)
	Commercial loans held for investment:
	Commercial real estate
	Corporate banking		$	3,566,377			$	3,767,869
	Middle markets commercial real estate (3)		$	3,466,034			$	3,510,371
	Santander real estate capital		$	1,901,705			$	2,025,645
	Total commercial real estate		$	8,934,116			9,303,885
	Commercial and industrial loans (4)		14,163,791				12,820,417
	Multi-family loans		9,365,927				8,237,029
	Other commercial		1,802,005				1,789,891
	Total commercial loans held for investment		$	34,265,839			$	32,151,222
	-1	These represent the Company's loan categories based on the SEC's Regulation S-X, Article 9.
	-2	These represent the Company's loan classes used to determine its allowance for loan and lease losses in accordance with ASC 310-10.
	-3	Middle markets commercial real estate excluded $11.3 million and $0.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
	-4	Commercial and industrial loans excluded $33.3 million and $17.9 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
	NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
	The Company's portfolio segments are substantially the same as its financial statement categorization of loans for the consumer loan populations. “Residential mortgages” includes mortgages on residential property including single family and 1-4 family units. "Home equity loans and lines of credit” includes all organic home equity contracts, but excludes purchased home equity portfolios. "Retail installment contracts and auto loans" includes the Company's direct automobile loan portfolios, but excludes recreational vehicle (RV) and marine retail installment contracts. "Personal unsecured loans" includes personal revolving loans and credit cards. “Other consumer” includes an acquired portfolio of marine and RV contracts as well as indirect auto loans and purchased home equity loans.
	Consumer Portfolio Segment(2)
	Major Loan Classifications(1)		31-Mar-14				31-Dec-13
		(in thousands)
Consumer loans secured by real estate:
Residential mortgages (3)		9,552,642				9,561,187
Home equity loans and lines of credit		6,206,354				6,311,694
Total consumer loans secured by real estate		15,758,996				15,872,881
Consumer loans not secured by real estate:
Retail installment contracts and auto loans (4)		20,925,635				81,804
Personal unsecured loans		1,558,553				493,785
Other consumer		1,553,593				1,321,985
Total consumer loans held for investment		$	39,796,777			$	17,770,455
-1	These represent the Company's loan categories based on the SEC's Regulation S-X, Article 9.
-2	These represent the Company's loan classes used to determine its allowance for loan and lease losses in accordance with ASC 310-10.
-3	Home mortgages excludes $61.1 million and $111.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
-4	Retail installment contracts and auto loans excludes $144.8 million and $0.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
Allowance for Credit Losses Rollforward by Portfolio Segment
The activity in the allowance for credit losses by portfolio segment for the three-month period ended March 31, 2014 and 2013 was as follows:
	Three-Month Period Ended March 31, 2014
	Commercial				Consumer				Unallocated				Total
	(in thousands)
Allowance for loan and lease losses, beginning of period	$	443,074			$	363,647			$	27,616			$	834,337
(Recovery of) Provision for loan losses	15,289				343,168				16,873				375,330
Charge-offs	(29,590		)		(147,748		)		—				(177,338		)
Recoveries	5,388				72,875				—				78,263
Charge-offs, net of recoveries	(24,202		)		(74,873		)		—				(99,075		)
Allowance for loan and lease losses, end of period	$	434,161			$	631,942			$	44,489			$	1,110,592
Reserve for unfunded lending commitments, beginning of period	$	220,000			$	—			$	—			$	220,000
Provision for unfunded lending commitments	(40,000		)		—				—				$	(40,000	)
Reserve for unfunded lending commitments, end of period	180,000				—				—				$	180,000
Total allowance for credit losses, end of period	$	614,161			$	631,942			$	44,489			$	1,290,592
Ending balance, individually evaluated for impairment (2)	$	265,183			$	192,298			$	—			$	457,481
Ending balance, collectively evaluated for impairment	348,978				439,644				44,489				833,111
Financing receivables:
Ending balance	$	34,310,467			$	40,002,610			$	—			$	74,313,077
Ending balance, evaluated at fair value (1)	44,627				1,722,187				—				1,766,814
Ending balance, individually evaluated for impairment (2)	528,224				693,072				—				1,221,296
Ending balance, collectively evaluated for impairment	33,737,616				37,587,351				—				71,324,967
-1	Represents LHFS and those loans for which the Company has elected the fair value option
-2	Consumer loans individually evaluated for impairment consists of loans in TDR status
	Three-Month Period Ended March 31, 2013
	Commercial				Consumer				Unallocated				Total
	(in thousands)
Allowance for loan losses, beginning of period	$	580,931			$	407,259			$	25,279			$	1,013,469
(Recovery of) Provision for loan losses	(30,843		)		25,889				21,804				16,850
Charge-offs	(34,339		)		(56,694		)		—				(91,033		)
Recoveries	22,367				9,439				—				31,806
Charge-offs, net of recoveries	(11,972		)		(47,255		)		—				(59,227		)
Allowance for loan losses, end of period	$	538,116			$	385,893			$	47,083			$	971,092
Reserve for unfunded lending commitments, beginning of period	210,000				—				—				210,000
Provision for unfunded lending commitments	—				—				—				—
Reserve for unfunded lending commitments, end of period	210,000				—				—				210,000
Total allowance for credit losses, end of period	$	748,116			$	385,893			$	47,083			$	1,181,092
Ending balance, individually evaluated for impairment(2)	307,622				143,529				—				$	451,151
Ending balance, collectively evaluated for impairment	440,494				242,364				47,083				$	729,941
Financing receivables:
Ending balance	$	33,053,376			$	19,370,706			$	—			$	52,424,082
Ending balance, evaluated at fair value(1)	—				671,023				—				$	671,023
Ending balance, individually evaluated for impairment(2)	560,081				759,238				—				$	1,319,319
Ending balance, collectively evaluated for impairment	32,493,295				17,940,445				—				$	50,433,740
-1	Represents LHFS and those loans for which the Company has elected the fair value option
-2	Consumer loans individually evaluated for impairment consists of loans in TDR status
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
Non-accrual loans by Class of Financing Receivable
The recorded investment in non-accrual loans disaggregated by class of financing receivables is summarized as follows:
	March 31, 2014				December 31, 2013
	(in thousands)
Non-accrual loans:
Commercial:
Commercial real estate:
Corporate banking	$	103,113			$	93,100
Middle market commercial real estate	132,381				143,802
Santander real estate capital	13,083				13,171
Commercial and industrial	93,197				97,254
Multifamily	19,098				21,371
Other commercial	4,781				3,640
Total commercial loans	365,653				372,338
Consumer:
Residential mortgages	460,435				473,566
Home equity loans and lines of credit	141,408				141,961
Retail installment contracts and auto loans	449,138				1,205
Personal unsecured loans	—				—
Other consumer	9,835				9,339
Total consumer loans	1,060,816				626,071
Total non-accrual loans	$	1,426,469			$	998,409
Other real estate owned	92,133				88,603
Repossessed vehicles	137,648				—
Other repossessed assets	5,518				3,073
Total other real estate owned and other repossessed assets	235,299				91,676
Total non-performing assets	$	1,661,768			$	1,090,085
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
Age Analysis of Past Due Loans
The age of recorded investments in past due loans and accruing loans greater than 90 days past due disaggregated by class of financing receivables is summarized as follows:
	As of March 31, 2014
	30-59				60-89				Greater				Total				Current				Total				Recorded Investment
	Days Past				Days				Than 90				Past Due								Financing				> 90 Days
	Due				Past				Days												Receivables (1)				and
					Due																				Accruing
	(in thousands)
Commercial:
Commercial real estate:
Corporate banking	$	27,878			$	7,046			$	49,018			$	83,942			$	3,440,691			$	3,524,633			—
Middle market commercial real estate	$	—			—				$	86,876			86,876				$	3,432,214			3,519,090				—
Santander real estate capital	$	5,800			—				$	6,771			12,571				$	1,889,135			1,901,706				—
Commercial and industrial	$	9,310			$	12,151			$	57,791			79,252				$	14,117,853			14,197,105				—
Multifamily	$	11,137			$	709			$	6,612			18,458				$	9,347,469			9,365,927				—
Other commercial	$	1,842			$	727			$	1,755			4,324				$	1,797,681			1,802,005				—
Consumer:
Residential mortgages	162,893				74,718				367,399				605,010				9,008,694				9,613,704				—
Home equity loans and lines of credit	22,600				11,434				79,930				113,964				6,092,390				6,206,354				—
Retail installment contracts and auto loans	4,822				1,666,338				83,220				1,754,380				19,316,027				21,070,407				—
Personal unsecured loans	38,679				31,779				4,622				75,080				1,483,473				1,558,553				52,197
Other consumer	36,497				7,710				28,772				72,979				1,480,614				1,553,593				—
Total	$	321,458			$	1,812,612			$	772,766			$	2,906,836			$	71,406,241			$	74,313,077			$	52,197
-1	Financing receivables include LHFS.
	As of December 31, 2013
	30-59				60-89				Greater				Total				Current				Total				Recorded
	Days Past				Days Past				Than 90				Past Due								Financing				Investment
	Due				Due				Days												Receivables (1)				> 90 Days
																									and
																									Accruing
	(in thousands)
Commercial:
Commercial real estate:
Corporate banking	12,758				5,751				57,503				76,012				3,691,858				3,767,870				$	—
Middle market commercial real estate	5,980				13,897				83,809				103,686				3,406,685				3,510,371				—
Santander real estate capital	4,177				9,705				—				13,882				2,011,762				2,025,644				—
Commercial and industrial	15,966				4,310				34,354				54,630				12,783,719				12,838,349				—
Multifamily	2,039				5,235				9,563				16,837				8,220,192				8,237,029				—
Other commercial	3,412				182				2,171				5,765				1,784,126				1,789,891				—
Consumer:
Residential mortgages	185,630				86,563				379,076				651,269				9,020,935				9,672,204				—
Home equity loans and lines of credit	32,017				15,567				80,551				128,135				6,183,559				6,311,694				—
Retail installment contracts and auto loans	7,900				2,988				1,205				12,093				69,711				81,804				—
Personal unsecured loans	4,289				1,693				4,536				10,518				483,267				493,785				2,545
Other consumer	29,641				11,835				31,091				72,567				1,249,418				1,321,985				—
Total	$	303,809			$	157,726			$	683,859			$	1,145,394			$	48,905,232			$	50,050,626			$	2,545
-1	Financing receivables include LHFS.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
Impaired Loans by Class of Financing Receivable
Impaired loans are generally defined as all troubled debt restructurings (“TDRs”) plus commercial non-accrual loans in excess of $1.0 million.
Impaired loans disaggregated by class of financing receivables are summarized as follows:
		March 31, 2014
		Recorded Investment(1)				Unpaid				Related				Average
						Principal				Specific				Recorded
						Balance				Reserves				Investment
		(in thousands)
With no related allowance recorded:
Commercial:
Commercial real estate:
Corporate banking		55,554				43,388				—				49,520
Middle market commercial real estate		110,705				81,782				—				105,921
Santander real estate capital		7,122				6,965				—				3,937
Commercial and industrial		6,047				2,260				—				9,589
Multifamily		26,734				26,734				—				26,883
Other commercial		147				147				—				74
Consumer:
Residential mortgages		88,186				88,186				—				90,165
Home equity loans and lines of credit		29,884				29,884				—				30,479
Retail installment contracts and auto loans		46,648				46,648				—				23,324
Personal unsecured loans		—				—				—				—
Other consumer		6,711				6,711				—				7,528
With an allowance recorded:
Commercial:
Commercial real estate:
Corporate banking		48,488				47,239				10,516				51,125
Middle market commercial real estate		97,104				71,100				20,690				107,975
Santander real estate capital		6,679				5,433				1,254				8,031
Commercial and industrial		98,788				92,234				49,686				99,506
Multifamily		6,064				5,858				1,521				8,741
Other commercial		1,176				1,176				457				677
Consumer:
Residential mortgages		553,419				498,288				125,256				550,374
Home equity loans and lines of credit		55,899				47,110				5,876				55,400
Retail installment contracts and auto loans		121,041				117,746				57,434				60,521
Personal unsecured loans		2,053				—				515				2,294
Other consumer		17,264				8,813				4,276				17,374
Total:
Commercial		$	464,608			$	384,316			$	84,124			$	471,979
Consumer		921,105				843,386				193,357				837,459
Total		$	1,385,713			$	1,227,702			$	277,481			1,309,438
-1	Recorded investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.
The Company recognized interest income of $7.7 million for the three-month period ended March 31, 2014 on approximately $787.5 million of TDRs that were returned to performing status as of March 31, 2014.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
		December 31, 2013
		Recorded Investment(1)				Unpaid				Related				Average
						Principal				Specific				Recorded
						Balance				Reserves				Investment
		(in thousands)
With no related allowance recorded:
Commercial:
Commercial real estate:
Corporate banking		$	43,485			$	30,131			$	—			$	43,485
Middle market commercial real estate		101,137				128,874				—				101,137
Santander real estate capital		751				751				—				751
Commercial and industrial		13,131				42,512				—				13,131
Multifamily		27,031				27,031				—				27,031
Other commercial		—				—				—				—
Consumer:
Residential mortgages		92,143				92,143				—				92,143
Home equity loans and lines of credit		31,074				31,074				—				31,074
Retail installment contracts and auto loans		—				—				—				—
Personal unsecured loans		—				—				—				—
Other consumer		8,345				17,420				—				8,345
With an allowance recorded:
Commercial:
Corporate banking		53,762				52,100				10,298				53,762
Middle market commercial real estate		118,845				185,649				26,130				118,845
Santander real estate capital		9,382				8,136				1,701				9,382
Commercial and industrial		100,224				118,276				50,252				100,224
Multifamily		11,418				8,456				2,201				11,418
Other commercial		177				177				12				177
Consumer:
Residential mortgages		547,329				603,866				124,746				547,329
Home equity loans and lines of credit		54,900				63,975				5,479				54,900
Retail installment contracts and auto loans		—				—				—				—
Personal unsecured loans		2,535				2,535				677				2,535
Other consumer		17,483				17,482				4,300				17,483
Total:
Commercial		$	479,343			$	602,093			$	90,594			$	479,343
Consumer		753,809				828,495				135,202				753,809
Total		$	1,233,152			$	1,430,588			$	225,796			$	1,233,152
-1	Recorded investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.
The Company recognized interest income of $42.0 million for the year ended December 31, 2013 on approximately $656.6 million of TDRs that were returned to performing status as of December 31, 2013.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
Commercial Lending Asset Quality Indicators
Commercial credit quality disaggregated by class of financing receivables is summarized according to standard regulatory classifications as follows:
PASS. Asset is well-protected by the current net worth and paying capacity of the obligor or guarantors, if any, or by the fair value less costs to acquire and sell any underlying collateral in a timely manner.
SPECIAL MENTION. Asset has potential weaknesses that deserve management’s close attention, which, if left uncorrected, may result in deterioration of the repayment prospects for an asset at some future date. Special Mention assets are not adversely classified.
SUBSTANDARD. Asset is inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged, if any. A well-defined weakness or weaknesses exist that jeopardize the liquidation of the debt. The loans are characterized by the distinct possibility that the Bank will sustain some loss if deficiencies are not corrected.
DOUBTFUL. Exhibits the inherent weaknesses of a substandard credit. Additional characteristics exist that make collection or liquidation in full highly questionable and improbable, on the basis of currently known facts, conditions and values. Possibility of loss is extremely high, but because of certain important and reasonable specific pending factors which may work to the advantage and strengthening of the credit, an estimated loss cannot yet be determined.
LOSS. Credit is considered uncollectible and of such little value that it does not warrant consideration as an active asset. There may be some recovery or salvage value, but there is doubt as to whether, how much or when the recovery would occur.
Commercial loan credit quality indicators by class of financing receivables are summarized as follows:
		Commercial Real Estate
March 31, 2014		Corporate				Middle				Santander				Commercial and industrial				Multifamily				Remaining				Total (1)
		banking				market				real estate												commercial
						commercial				capital
						real estate
		(in thousands)
Regulatory Rating:
Pass		$	3,155,786			$	3,110,039			$	1,651,802			$	13,711,203			$	9,239,610			$	1,776,638			$	32,645,078
Special Mention		107,491				98,115				119,556				256,282				58,915				17,419				657,778
Substandard		243,975				238,706				129,539				196,650				66,904				7,800				883,574
Doubtful		17,381				72,231				808				32,970				498				148				124,036
Total commercial loans		$	3,524,633			$	3,519,091			$	1,901,705			$	14,197,105			$	9,365,927			$	1,802,005			$	34,310,466
-1	Financing receivables include LHFS.
		Commercial Real Estate
December 31, 2013		Corporate			Middle				Santander				Commercial and industrial				Multifamily				Remaining			Total (1)
		banking			market				real estate												commercial
					commercial				capital
					real estate
		(in thousands)
Regulatory Rating:
Pass		3,385,253			3,068,667				1,779,544				12,320,254				8,109,023				1,764,157			30,426,898
Special Mention		106,001			62,062				112,257				283,939				59,379				17,196			640,834
Substandard		260,122			310,318				132,999				202,347				63,284				8,361			977,431
Doubtful		16,494			69,325				844				31,808				5,343				177			123,991
Total commercial loans		3,767,870			3,510,372		—		2,025,644		—		12,838,348		—		8,237,029		—		1,789,891			32,169,154
-1	Financing receivables include LHFS.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
Consumer Lending Asset Quality Indicators - Class of Financing Receivables
Consumer credit quality disaggregated by class of financing receivables is summarized as follows:
March 31, 2014		Residential				Home equity loans and lines of credit				Retail installment contracts and auto loans				Personal unsecured loans				Other				Total(1)
		mortgages																consumer
		(in thousands)
Performing		$	9,153,269			$	6,096,735			$	19,318,989			$	1,528,047			$	1,516,752			$	37,613,792
Non-performing		460,435				109,619				1,751,418				30,506				36,841				2,388,819
Total consumer loans		$	9,613,704			$	6,206,354			$	21,070,407			$	1,558,553			$	1,553,593			$	40,002,611
-1	Financing receivables include LHFS.
December 31, 2013		Residential				Home equity loans and lines of credit				Retail installment contracts and auto loans				Personal unsecured loans				Other				Total(1)
		mortgages																consumer
		(in thousands)
Performing		$	9,198,639			$	6,203,419			$	79,936			$	493,785			$	1,279,622			$	17,255,401
Non-performing		473,565				108,275				1,868				—				42,363				626,071
Total consumer loans		$	9,672,204			$	6,311,694			$	81,804			$	493,785			$	1,321,985			$	17,881,472
-1	Financing receivables include LHFS.
Consumer Lending Asset Quality Indicators-Credit Score
Consumer financing receivables, including LHFS, for which credit score is a core component of the allowance model are summarized by credit score as follows:
March 31, 2014
Credit Score Range(2)		Retail installment contracts and auto loans				Percent			Personal unsecured loans balance				Percent			Home equity loans and lines of credit				Percent
		(dollars in thousands)
<600		$	12,438,256			59	%		$	345,006			22.1	%		$	348,892			5.6	%
600-639		5,483,758				26	%		476,285				30.6	%		297,655				4.8	%
640-679		3,088,553				14.7	%		293,184				18.8	%		549,833				8.9	%
680-719		—				—	%		54,820				3.5	%		888,979				14.3	%
720-759		—				—	%		55,832				3.6	%		1,236,242				19.9	%
>v0		—				—	%		55,864				3.6	%		2,882,785				46.5	%
N/A(1)		59,840				0.3	%		277,562				17.8	%		1,968				—	%
Total		$	21,070,407			100	%		$	1,558,553			100	%		$	6,206,354			100	%
-1	Consists primarily of loans serviced by third parties. Loans serviced by third parties do not receive refreshed FICO scores.
-2	Credit scores updated quarterly.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
December 31, 2013
Credit Score Range(2)		Personal unsecured loans balance				Percent			Home equity loans and lines of credit				Percent
		(dollars in thousands)
<600		$	10,221			2.1	%		$	336,713			5.3	%
600-639		6,152				1.2	%		281,186				4.5	%
640-679		24,855				5	%		524,937				8.3	%
680-719		53,842				11	%		869,460				13.8	%
720-759		55,546				11.2	%		1,223,179				19.4	%
>v0		60,002				12.2	%		2,775,970				44	%
N/A(1)		283,167				57.3	%		300,249				4.7	%
Total		$	493,785			100	%		$	6,311,694			100	%
-1	Consists primarily of loans serviced by third parties. Loans serviced by third parties do not receive refreshed FICO scores.
-2	Credit scores updated quarterly.
Consumer Lending Asset Quality Indicators-Combined Loan to Value Range
Residential mortgage and home equity financing receivables by combined loan-to-value ("CLTV") range are summarized as follows:
March 31, 2014
		Residential mortgages							Home equity loans and lines of credit
CLTV Range(1)		UPB				Percent			UPB				Percent
		(dollars in thousands)
<€%		$	7,059,941			73.4	%		$	3,885,396			62.6	%
80.01 - 90%		795,112				8.3	%		1,027,382				16.6	%
90.01 - 100%		619,743				6.4	%		356,706				5.7	%
100.01 - 120%		429,497				4.5	%		345,694				5.6	%
120.01 - 140%		170,903				1.8	%		134,314				2.2	%
>140%		187,609				2	%		111,324				1.8	%
N/A		350,899				3.6	%		345,538				5.5	%
Total(2)		$	9,613,704			100	%		$	6,206,354			100	%
December 31, 2013
		Residential mortgages							Home equity loans and lines of credit
CLTV Range(1)		UPB				Percent			UPB				Percent
		(dollars in thousands)
<€%		$	7,124,926			73.7	%		$	4,061,541			64.3	%
80.01 - 90%		665,806				6.9	%		946,933				15	%
90.01 - 100%		647,079				6.7	%		357,817				5.7	%
100.01 - 120%		451,833				4.7	%		338,194				5.4	%
120.01 - 140%		188,201				1.9	%		125,099				2	%
>140%		199,016				2.1	%		108,664				1.7	%
N/A		395,343				4	%		373,446				5.9	%
Total(2)		$	9,672,204			100	%		$	6,311,694			100	%
-1	CLTV is inclusive of senior lien balances and updated as deemed necessary. CLTV ranges represent the unpaid principal balance except for the "N/A" range, which represents the unpaid principal balance plus deferred loan origination costs, net of deferred loan fees and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.
-2	Financing receivables includes loans held for sale.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
For both residential and home equity loans, loss severity assumptions are incorporated in the loan loss reserve models to estimate loan balances that will ultimately charge-off. These assumptions are based on recent loss experience within various CLTV bands within these portfolios. CLTVs are refreshed quarterly by applying Federal Housing Finance Agency Home Price Index changes at a state-by-state level to the last known appraised value of the property to estimate the current CLTV. The Company's allowance for loan losses incorporates the refreshed CLTV information to update the distribution of defaulted loans by CLTV as well as the associated loss given default for each CLTV band. Reappraisals on a recurring basis at the individual property level are not considered cost-effective or necessary; however, reappraisals are performed on certain higher risk accounts to support line management activities, default servicing decisions, or when other situations arise for which the Company believes the additional expense is warranted.
Troubled Debt Restructurings
The following table summarizes the Company’s performing and non-performing TDRs at the dates indicated:
	March 31, 2014				December 31, 2013
	(in thousands)
Performing	$	787,485			$	656,606
Non-performing	345,621				347,037
Total	$	1,133,106			$	1,003,643
Commercial Loan TDRs
All of the Company’s commercial loan modifications are based on the circumstances of the individual customer, including specific customers' complete relationship with the Company. Loan terms are modified to meet each borrower’s specific circumstances at a point in time. Modifications for commercial loan TDRs generally, although not always, result in bifurcation of the original loan into A and B notes. The A note is restructured to allow for upgraded risk rating and return to accrual status after a sustained period of payment performance has been achieved (typically six months for monthly payment schedules). The B note, if any, is structured as a deficiency note; the balance is charged off but the debt is usually not forgiven. As TDRs, they will be subject to analysis for specific reserves by either calculating the present value of expected future cash flows or, if collateral-dependent, calculating the fair value of the collateral less its estimated cost to sell. The TDR classification will remain on the loan until it is paid in full or liquidated.
Consumer Loan TDRs
The primary modification program for the Company’s residential mortgage and home equity portfolios is a proprietary program designed to keep customers in their homes and, when appropriate, prevent them from entering into foreclosure. The program is available to all customers facing a financial hardship regardless of their delinquency status. The main goal of the modification program is to review the customer’s entire financial condition to ensure that the proposed modified payment solution is affordable according to a specific debt-to-income ratio (“DTI”) range. The main modification benefits of the program allow for term extensions, interest rate reductions, or deferment of principal. The Company reviews each customer on a case-by-case basis to determine which benefit or combination of benefits will be offered to achieve the target DTI range.
For the Company’s other consumer portfolios the terms of the modifications generally include one or a combination of the following: a reduction of the stated interest rate of the loan at a rate of interest lower than the current market rate for new debt with similar risk or an extension of the maturity date.
Consumer TDRs are generally placed on non-accrual status until the Company believes repayment under the revised terms is reasonably assured and a sustained period of repayment performance has been achieved (typically six months for a monthly amortizing loan). Any loan that has remained current for the six months immediately prior to modification will remain on accrual status after the modification is enacted. Exceptions to this policy include retail installment contracts, which may begin accruing as soon as they are made current by the borrower. The TDR classification will remain on the loan until it is paid in full or liquidated for all portfolios
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
In addition to those identified as TDRs above, the guidance also requires loans discharged under Chapter 7 bankruptcy to be considered TDRs and collateral-dependent, regardless of delinquency status. Collateral-dependent loans must be written down to fair market value and classified as non-accrual/non-performing for the remaining life of the loan.
TDR Impact to Allowance for Loan Losses
The allowance for loan losses is established to recognize losses inherent in funded loans intended to be held for investment that are probable and can be reasonably estimated. Prior to a TDR, the Company generally measures its allowance under a loss contingency methodology in which consumer loans with similar risk characteristics are pooled and loss experience information is monitored for credit risk and deterioration with statistical tools considering factors such as delinquency, LTVs and credit scores.
Upon TDR modification, the Company generally measures impairment based on a present value of expected future cash flows methodology considering all available evidence using the effective interest rate or fair value of collateral. The amount of the required valuation allowance is equal to the difference between the loan’s impaired value and the recorded investment.
When a consumer TDR subsequently defaults, the Company generally measures impairment based on the fair value of the collateral, if applicable, less its estimated cost to sell.
Typically, commercial loans whose terms are modified in a TDR will have been identified as impaired prior to modification and accounted for generally using a present value of expected future cash flows methodology, unless the loan is considered collateral-dependent. Loans considered collateral-dependent are measured for impairment based on their fair values of collateral less its estimated cost to sell. Accordingly, upon TDR modification or if a TDR modification subsequently defaults, the allowance methodology remains unchanged.
Financial Impact and TDRs by Concession Type
The following tables detail the activity of TDRs for the three-month period ended March 31, 2014 and March 31, 2013, respectively:
	Three-Month Period Ended March 31, 2014
	Number of			Pre-Modification				Post-Modification
	Contracts			Outstanding Recorded				Outstanding Recorded
				Investment (1)				Investment (2)
	(dollars in thousands)
Commercial:
Commercial real estate:
Corporate Banking	2			3,524				3,505
Commercial and industrial	12			18,793				18,207
Other commercial	1			498				500
Consumer:
Residential mortgages (3)	79			17,811				17,670
Home equity loans and lines of credit	26			2,285				2,285
Retail installment contracts and auto loans	12,714			129,141				126,932
Other consumer	1			41				42
Total	12,835			$	172,093			$	169,141
-1	Pre-modification outstanding recorded investment amount is the month-end balance prior to the month the modification occurred.
-2	Post-modification outstanding recorded investment amount is the month-end balance for the month that the modification occurred.
-3	The post-modification outstanding recorded investment amounts for residential mortgages exclude interest reserves.
NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
	Three-Month Period Ended March 31, 2013
	Number of Contracts			Pre-Modification				Post-Modification
				Outstanding Recorded				Outstanding Recorded
				Investment (1)				Investment (2)
	(dollars in thousands)
Commercial:
Commercial real estate:
Corporate banking	1			$	19,750			$	18,767
Santander real estate capital	1			2,724				2,188
Other commercial	5			1,712				1,696
Consumer:
Residential mortgages (3)	92			15,779				16,132
Home equity loans and lines of credit	80			6,243				6,242
Total	179			$	46,208			$	45,025
-1	Pre-modification outstanding recorded investment amount is the month-end balance prior to the month the modification occurred.
-2	Post-modification outstanding recorded investment amount is the month-end balance for the month that the modification occurred.
-3	The post-modification outstanding recorded investment amounts for residential mortgages exclude interest reserves.
TDRs Which Have Subsequently Defaulted
A TDR is generally considered to have subsequently defaulted if it is 90 days past due after modification. For retail installment contracts, a TDR is considered to have subsequently defaulted at the earlier of the date of repossession or 120 days past due after modification. The following table details TDRs that were modified during the past twelve-month period and have subsequently defaulted during the three-month period ended March 31, 2014 and March 31, 2013, respectively.
	Three-Month Period
	Ended March 31,
	2014							2013
	Number of			Recorded Investment(1)				Number of			Recorded
	Contracts							Contracts			Investment(1)
	(dollars in thousands)
Consumer:
Residential mortgages	12			$	1,915			10			$	2,794
Home equity loans and lines of credit	—			—				2			376
Total	12			$	1,915			12			$	3,170
-1	The recorded investment represents the period-end balance at March 31, 2014 and 2013. Does not include Chapter 7 bankruptcy TDRs.

ASSET_SECURITIZATIONS

ASSET SECURITIZATIONS	3 Months Ended
	Mar. 31, 2014
Variable Interest Entity and Securitizations [Abstract]	'
ASSET SECURITIZATIONS	'
	ASSET SECURITIZATIONS
	The Company, through its SCUSA subsidiary, transfers retail installment contracts into newly-formed Trusts which then issue one or more classes of notes payable backed by the retail installment contracts. The Company’s continuing involvement with the credit facilities and Trusts are in the form of servicing loans held by SPEs and, except for the securitizations associated with Chrysler Capital, through holding a residual interest in the SPE. These transactions are structured without recourse. The Trusts are considered VIEs under GAAP and, except for the securitizations associated with Chrysler Capital, are consolidated because the Company has: (a) power over the significant activities of the entity as servicer of its financial assets and (b) residual interest and in some cases of debt securities held by the Company, an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE.
	The retail installment contracts, borrowings under credit facilities and securitization notes payable of the consolidated Trusts remain on the Company's Condensed Consolidated Balance Sheets. The Company recognizes finance charges and fee income on the retail installment contracts and interest expense on the debt, and records a provision for loan losses to cover probable inherent losses on the contracts. All of the Trusts are separate legal entities and the retail installment contracts and other assets held by these subsidiaries are legally owned by them and not available to other creditors.
	The following table summarizes the assets and liabilities related to the above mentioned VIEs that are included in the Company's Condensed Consolidated Financial Statements as of the date indicated:
		31-Mar-14
		(in thousands)
	Restricted cash	$	1,550,657
	Retail installment contracts, net	19,910,992
	Various other assets	3,695,594
	Notes payable	25,514,661
	Various other liabilities	49,157
	Below is a summary of the cash flows received from the Trusts for the period indicated:
		Period from January 28, 2014 to
		31-Mar-14
		(in thousands)
	Receivables securitized	$	1,574,084
	Net proceeds from new securitizations	1,238,202
	Cash received for servicing fees	97,932
	Cash received upon release from reserved and restricted cash accounts	165
	Net distributions from Trusts	241,251
	Total cash received from securitization trusts	$	1,577,550
	The Company retains servicing responsibility for receivables transferred to the Trusts and receives a monthly servicing fee on
	the outstanding principal balance. Supplemental fees, such as late charges, for servicing the receivables are reflected in fees,
	commissions and other income. As of March 31, 2014, the Company was servicing $22.9 billion of gross retail installment contracts that have been transferred to consolidated Trusts. The remainder of the Company’s retail installment contracts are either pledged in private issuances or warehouse facilities or unpledged.
	NOTE 6. ASSET SECURITIZATIONS (continued)
	During the period from February 1, 2014 to March 31, 2014, the Company sold $774.2 million of gross retail installment contracts in off-balance sheet securitizations for a gain of approximately $32.5 million. As of March 31, 2014, the Company was servicing $1.7 billion of gross retail installment contracts that have been sold in these off-balance sheet Chrysler Capital securitizations, in addition to $2.5 billion of loans serviced for other unrelated third parties.
	The Company also has several home equity loan securitizations. These securitization vehicles are considered VIEs because the holders of the equity investment at risk, including the Company, do not have any obligation to absorb credit losses on the loans within the securitization vehicles. Accordingly, the Company has determined that it is not the primary beneficiary of these securitization vehicles. As of March 31, 2014 and December 31, 2013, the Company had $5.7 million and $5.5 million, respectively, of receivables related to advances made by the Company on behalf of the home equity loan securitization vehicles. The Company does not hold any other assets or liabilities related to these home equity loan securitizations. The total principal amount of securitized home equity loans was $40.2 million and $41.5 million as of March 31, 2014 and December 31, 2013, respectively. As of March 31, 2014, the portion of principal 90 days past due (including foreclosures, OREO and bankruptcies) was $15.4 million. There were no credit losses for the three-month period ended March 31, 2014. As of December 31, 2013, the portion of principal 90 days past due (including foreclosures, OREO and bankruptcies) was $15.3 million and for the three-month period ended March 31, 2013, net credit losses were $0.1 million.

GOODWILL_AND_OTHER_INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	3 Months Ended
	Mar. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]	'
GOODWILL AND OTHER INTANGIBLES	'
	GOODWILL AND OTHER INTANGIBLES
	Goodwill
	The Company conducts its evaluation of goodwill impairment at least annually, and more frequently if events or circumstances indicate that there may be impairment. The Company completed its most recent annual goodwill impairment test as of October 1, 2013 and determined that no goodwill impairment existed. No impairment indicators were noted since the annual review and, accordingly, no impairment test has been performed. The Company expects to perform its next annual goodwill impairment test in the fourth quarter of 2014.
	The Company evaluates goodwill for impairment at the reporting unit level. The fair value of the Company's reporting units is determined by using discounted cash flow and market comparability methodologies. Goodwill is assigned to reporting units, which are operating segments or one level below an operating segment, as of the acquisition date.
	During the first quarter of 2014, in connection with the Change in Control as discussed in Note 3 to the Condensed Consolidated Financial Statements, the Company recorded goodwill of approximately $5.5 billion. In addition, the Company recorded a disposal of approximately $7.1 million in connection with the sale of three branches in January 2014.
	As of March 31, 2014, the reporting units with assigned goodwill were Retail Banking, Auto Finance & Alliances, Investment Services, Real Estate & Commercial Banking, Specialty & Government Banking, Global Banking & Markets ("GBM") and Large Corporate Banking, and SCUSA.
	NOTE 7. GOODWILL AND OTHER INTANGIBLES (continued)
	The following table presents activity in the Company's goodwill by its reporting units for the three months ended March 31, 2014:
			Retail Banking				Auto Finance & Alliances				Investment Services			Real Estate and Commercial Banking		Specialty & Government Finance		Global Banking & Markets and Large Corporate		SCUSA		Total
			(in thousands)
	Goodwill at December 31, 2013		$	1,696,086			$	71,522			$	126,695		$	1,163,154	$	242,894	$	131,130	$	—	$	3,431,481
	Disposals during the period		(7,052		)		—				—			—		—		—		—		(7,052		)
	Additions during the period		—				—				—			—		—		—		5,485,196		5,485,196
	Goodwill at March 31, 2014		$	1,689,034			$	71,522			$	126,695		$	1,163,154	$	242,894	$	131,130	$	5,485,196	$	8,909,625
	As described in Note 16 to the Condensed Consolidated Financial Statements, during the second quarter of 2014, the Company reorganized its management reporting structure in order to better align management teams and resources with the business goals of the Company and to provide enhanced customer service to its clients. Consequently, the Company is in the process of evaluating segment reporting and goodwill reporting units to reflect this change.
	Other Intangible Assets
	The following table details amounts related to the Company's finite-lived and indefinite-lived intangible assets for the dates indicated.
		March 31, 2014								December 31, 2013
		Net				Accumulated				Net			Accumulated
		Carrying				Amortization				Carrying			Amortization
		Amount								Amount
		(in thousands)
	Intangibles subject to amortization:
	Dealer networks	$	575,881			$	(4,119	)		$	—		$	—
	Chrysler Relationship	136,250				(13,750		)		—			—
	Core deposit intangibles	18,123				(277,719		)		22,650			(273,192		)
	Other intangibles	11,106				(18,803		)		11,964			(17,945		)
	Total intangibles subject to amortization	741,360				(314,391		)		34,614			(291,137		)
	Intangibles not subject to amortization:
	Trade name	50,000				—				—			—
	Total Intangibles	$	791,360			$	(314,391	)		$	34,614		$	(291,137	)
	Amortization expense on intangible assets for the three months ended March 31, 2014 and 2013 was $13.7 million and $7.7 million, respectively.
	NOTE 7. GOODWILL AND OTHER INTANGIBLES (continued)
	The estimated aggregate amortization expense related to intangibles for each of the five succeeding calendar years ending December 31 is:
	Year		Calendar Year Amount			Recorded To Date			Remaining Amount To Record
			(in thousands)
	2014		$	72,391		$	13,715		$	58,676
	2015		64,435			—			64,435
	2016		57,163			—			57,163
	2017		55,055			—			55,055
	2018		54,702			—			54,702
	Thereafter		449,617			—			449,617

OTHER_ASSETS

OTHER ASSETS	3 Months Ended
	Mar. 31, 2014
Transfers and Servicing [Abstract]	'
OTHER ASSETS	'
	OTHER ASSETS
	The following is a detail of items that comprise other assets at March 31, 2014 and December 31, 2013:
			March 31, 2014			December 31, 2013
			(in thousands)
	OREO		$	92,133		$	88,603
	Other repossessed assets		140,132			3,073
	Prepaid expenses		144,894			141,593
	Miscellaneous receivables		901,625			546,363
	Derivative assets at fair value		256,776			222,491
	MSRs		134,775			141,787
	Operating lease assets		111,075			—
	Miscellaneous assets		99,164			30,584
	Total other assets		$	1,880,574		$	1,174,494
	Residential real estate
	The Company maintains an MSR asset for sold residential real estate loans serviced for others. At March 31, 2014 and December 31, 2013, the balance of these loans serviced for others was $14.2 billion and $14.5 billion, respectively. The Company accounts for residential MSRs using the fair value option. Changes in fair value are recorded through the Condensed Consolidated Statements of Operations. The fair value of the MSRs at March 31, 2014 and December 31, 2013 was $134.8 million and $141.8 million, respectively. See further discussion on the valuation of the MSRs in Note 15. As deemed appropriate, the Company economically hedges MSRs using interest rate swaps and forward contracts to purchase mortgage-backed securities. See further discussion on these derivative activities in Note 10 to these Condensed Consolidated Financial Statements.
	For the three-month period ended March 31, 2014, the Company recorded net changes in the fair value of MSRs totaling $(4.5) million, compared to $10.1 million in the corresponding period of 2013. The MSR asset fair value decrease during 2014 was the result of decreased interest rates.
	NOTE 8. OTHER ASSETS (continued)
	The following table presents a summary of activity for the Company’s residential MSRs.
		Three-Month Period
		Ended March 31,
		2014			2013
		(in thousands)
	Carrying value at beginning of period	$	141,787		$	92,512
	Mortgage servicing assets recognized	1,874			13,172
	Principal reductions	(4,427		)	(6,617		)
	Change in fair value due to valuation assumptions	(4,459		)	10,096
	Carrying value at end of period	$	134,775		$	109,163
	Multifamily
	Historically, the Company originated and sold multi-family loans in the secondary market to FNMA while retaining servicing. The Company has not sold multi-family loans to FNMA since 2009. At March 31, 2014 and December 31, 2013, the Company serviced $3.2 billion and $4.3 billion, respectively, of loans for FNMA. The servicing asset related to these portfolios was previously fully amortized. In January 2014, the Company repurchased from FNMA $816.5 million of performing multifamily loans that had been previously sold with servicing retained. See further discussion on the recourse reserve in Note 14.
	Fee income and gain/loss on sale of mortgage loans
	Included in Mortgage banking revenue on the Condensed Consolidated Statement of Operations was mortgage servicing fee income of $10.8 million for the three-month period ended March 31, 2014, compared to $11.0 million for the corresponding period ended March 31, 2013. The Company had gains on the sale of mortgage loans of $3.2 million for the three-month period ended March 31, 2014, compared to gains of $38.7 million for the corresponding period ended March 31, 2013.

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2014
Debt Disclosure [Abstract]	'
BORROWINGS	'
	BORROWINGS
	Total borrowings and other debt obligations at March 31, 2014 were $34.8 billion, compared to $12.4 billion at December 31, 2013 primarily due to the Change in Control. The Company's debt agreements impose certain limitations on dividends and other payments and transactions. The Company is currently in compliance with these limitations.
	Periodically, as part of the Company's wholesale funding management, it opportunistically repurchases outstanding borrowings in the open market and subsequently retires the obligation. During the three-month periods ended March 31, 2014 and 2013, the Company repurchased $0.6 million and $0.1 million of outstanding borrowings in the open market, respectively.
	NOTE 9. BORROWINGS (continued)
	The following table presents information regarding the holding company's borrowings and other debt obligations at the dates indicated:
		March 31, 2014				December 31, 2013
		Balance		Effective		Balance		Effective
				Rate				Rate
		(in thousands)
	3.00% senior notes, due September 2015	$	599,111	3.28	%	$	598,965	3.28	%
	4.625% senior notes, due April 2016	474,484		4.85		474,306		4.85
	3.45% senior notes, due August 2018	499,190		3.62		499,148		3.62
	Subordinated notes, due March 2020(1)	—		—		756,829		5.96
	Junior subordinated debentures - Capital Trust IV, due March 2034(2)	—		—		611		12.84
	Common securities - Capital Trust IV(2)	—		—		24,742		4.38
	Junior subordinated debentures - Capital Trust VI, due June 2036	70,262		7.91		70,262		7.91
	Common securities - Capital Trust VI	10,000		7.91		10,000		7.91
	Junior subordinated debentures - Capital Trust IX, due July 2036	150,000		2.04		150,000		2.04
	Common securities - Capital Trust IX	4,640		2.04		4,640		2.04
	Total holding company borrowings and other debt obligations	$	1,807,687	3.89	%	$	2,589,503	4.5	%
	(1) On February 21, 2014, the subordinated note, with a value of $750.0 million, was converted to 3.0 million shares of SHUSA common stock.
	(2) In December 2012, a settlement agreement was executed with respect to the Company's Trust PIERS litigation. The settlement agreement required the Company to make additional offers to purchase the Trust PIERS until no Trust PIERS remain outstanding. On February 28, 2014, the Company called and retired the remaining PIERS securities in the amount of $24.7 million.
	The following table presents information regarding the Bank's borrowings and other debt obligations at the dates indicated:
		March 31, 2014				December 31, 2013
		Balance		Effective		Balance		Effective
				Rate				Rate
		(in thousands)
	8.750% subordinated debentures, due May 2018	$	497,546	8.91	%	$	497,427	8.91	%
	FHLB advances, maturing through August 2018(1)	6,942,657		3.68		8,952,012		3.36
	Subordinated term loan, due February 2019	145,279		6		150,273		6.06
	REIT preferred, due May 2020	152,292		13.73		151,918		13.83
	Subordinated term loan, due August 2022	35,491		7.8		35,491		7.78
	Total Bank borrowings and other debt obligations	$	7,773,265	4.27	%	$	9,787,121	3.87	%
	(1) In February 2014, the Company restructured $1.7 billion of FHLB advances and extended their maturities by two years. The average rate of these borrowings decreased from 5.39% to 3.43% as a result of the restructuring.
	NOTE 9. BORROWINGS (continued)
	The following tables present information regarding SCUSA's borrowings and other debt obligations at the date indicated(1):
		March 31, 2014
		Balance		Effective
				Rate
		(in thousands)
	SCUSA warehouse line, due June 2014	$	212,438	1.14	%
	SCUSA warehouse line, maturing on various dates(2)	552,682		1.39
	SCUSA warehouse line, due March 2015(3)	250,594		0.99
	SCUSA warehouse line, due July 2015	317,886		0.93
	SCUSA warehouse line, due September 2015(4)	119,480		2.31
	SCUSA warehouse line, due December 2015	1,399,123		0.94
	SCUSA warehouse line, due December 2015	708,174		0.82
	SCUSA warehouse line, due January 2016(5)	724,888		1.91
	SCUSA warehouse line, due November 2016(6)	175,000		1.7
	SCUSA repurchase facility, maturing on various dates(7)	748,461		1.55
	SCUSA line of credit with related party, due December 2016(8)	500,000		2.44
	SCUSA line of credit with related party, due December 2016(8)	1,750,000		2.11
	SCUSA line of credit with related party, due December 2018(8)	65,000		2.95
	SCUSA line of credit with related party, due December 2018(8)	1,750,000		2.89
	Total SCUSA revolving credit facilities	$	9,273,726	1.8	%
		March 31, 2014
		Balance		Initial Weighted Average Interest Rate Range
		(in thousands)
	SCUSA public securitizations, maturing on various dates(9)	$	11,372,083	0.89% - 2.80%
	SCUSA privately issued amortizing notes, maturing on various dates(9)	4,539,936		1.07% - 1.80%
	Total SCUSA secured structured financings	$	15,912,019	0.89% - 2.80%
	(1) Balances as of December 31, 2013 are not presented due to SCUSA being accounted for as an EMI at that date.
	(2) One-fourth of the outstanding balance on this facility matures in each of the following months: April 2014, November 2014, March 2015 and November 2015.
(3) This line is collateralized by securitization notes payable retained by SCUSA.
(4) This line is held exclusively for unsecured consumer term loans.
(5) This line is held exclusively for Chrysler Capital retail loan and lease financing, with lease financing comprising more than 50% of the outstanding balance upon advance.
(6) This line is collateralized by residuals retained by SCUSA.
(7) This repurchase facility is collateralized by securitization bonds and residuals retained by SCUSA. The facility has rolling 30-day and 90-day maturities.
(8) These lines are collateralized by securitization notes payable and residuals retained by SCUSA. As of March 31, 2014, $2.2 billion of the aggregate outstanding balances on these credit facilities was unsecured.
(9) SCUSA has entered into various securitization transactions involving their retail automotive installment loans. These transactions are accounted for as secured financings and therefore both the securitized retail installment contracts and the related securitization debt issued by SPE, remain on the Condensed Consolidated Balance Sheet. The maturity of this debt is based on the timing of repayments from the securitized assets.

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2014
Derivative Instruments and Hedging Activities Disclosure [Abstract]	'
DERIVATIVES	'
	DERIVATIVES
	General
	The Company uses derivative financial instruments primarily to help manage exposure to interest rate, foreign exchange, equity and credit risk, as well as to reduce the effects that changes in interest rates may have on net income, the fair value of assets and liabilities, and cash flows. The Company also enters into derivatives with customers to facilitate their risk management activities. The Company uses derivative financial instruments as risk management tools and not for speculative trading purposes. The fair value of all derivative balances is recorded within Other assets and Other liabilities on the Condensed Consolidated Balance Sheet.
	See Note 15 for discussion of the valuation methodology for derivative instruments.
	Derivatives represent contracts between parties that usually require little or no initial net investment and result in one party delivering cash or another type of asset to the other party based on a notional amount and an underlying as specified in the contract. Derivative transactions are often measured in terms of notional amount, but this amount is generally not exchanged and is not recorded on the balance sheet. The notional amount is the basis to which the underlying is applied to determine required payments under the derivative contract. The underlying is a referenced interest rate (commonly Overnight Indexed Swap ("OIS") or LIBOR), security price, credit spread or other index. Derivative balances are presented on a gross basis taking into consideration the effects of legally enforceable master netting agreements.
	In the third quarter of 2013, in accordance with ASU 2013-10, the Company adopted the OIS rate, which is used for determining the fair value of certain hedge and derivative contracts, including all collateralized interest rate swaps, caps, and floors. The OIS rate will continue to be used for new derivative contracts in these portfolios. The impact of this change was not material to the Company's financial position or results of operations.
	Through the Company’s capital markets and mortgage banking activities, it is subject to price risk. The Company employs various tools to measure and manage price risk in its portfolios. In addition, the Board of Directors has established certain limits relative to positions and activities. The level of price risk exposure at any given time depends on the market environment and expectations of future price and market movements and will vary from period to period.
	To qualify for hedge accounting, the Company is required to designate SCUSA’s derivatives as accounting hedges on or after the Change in Control date. The Company did not designate any of SCUSA’s derivatives as accounting hedges as of March 31, 2014.
	Credit Risk Contingent Features
	The Company has entered into certain derivative contracts that require the posting of collateral to counterparties when these contracts are in a net liability position. The amount of collateral to be posted is based on the amount of the net liability and thresholds generally related to the Company's long-term senior unsecured credit ratings. In a limited number of instances, counterparties also have the right to terminate their International Swaps and Derivatives Association, Inc. ("ISDA") master agreements if the Company's ratings fall below investment grade. As of March 31, 2014, derivatives in this category had a fair value of $30.1 million. The credit ratings of the Bank and SHUSA are currently considered investment grade. The Bank estimates a further 1- or 2- notch downgrade by either S&P or Moody's would require the Bank to post up to an additional $4.3 million or $4.5 million, respectively, to comply with existing derivative agreements.
	As of March 31, 2014 and December 31, 2013, the aggregate fair value of all derivative contracts with credit risk contingent features (i.e., those containing collateral posting or termination provisions based on our ratings) that were in a net liability position totaled $175.8 million and $198.8 million, respectively. The Company had $178.3 million and $203.9 million in cash and securities collateral posted to cover those positions as of March 31, 2014 and December 31, 2013, respectively.
	NOTE 10. DERIVATIVES (continued)
	Fair Value Hedges
	The Company enters into cross-currency swaps to hedge its foreign currency exchange risk on certain Euro-denominated investments. The Company also entered into interest rate swaps to hedge the interest rate risk on certain fixed rate investments. These derivatives are designated as fair value hedges at inception. The Company includes all components of each derivative's gain or loss in the assessment of hedge effectiveness. The earnings impact of the ineffective portion of these hedges was not material for the three-month period ended March 31, 2014 or March 31, 2013. The last of the hedges is scheduled to expire in February 2016.
	The Company has historically entered into pay-variable, receive-fixed interest rate swaps to hedge changes in fair values of certain debt obligations. At March 31, 2014, the Company had $12.3 million of deferred net after-tax losses on terminated derivative instruments that were hedging fair value changes. These losses will continue to be deferred in Borrowings and will be reclassified into interest expense over the remaining lives of the hedged assets and liabilities. During the three-month period ended March 31, 2014, $0.6 million of the losses were recognized in the Condensed Consolidated Statements of Operations.
	Cash Flow Hedges
	Management uses derivative instruments, which are designated as hedges, to mitigate the impact of interest rate movements on the fair value of certain liabilities, assets and on highly probable forecasted cash flows. These instruments primarily include interest rate swaps that have underlying interest rates based on key benchmark indices and forward sale or purchase commitments. The nature and volume of the derivative instruments used to manage interest rate risk depend on the level and type of assets and liabilities on the balance sheet and the risk management strategies for the current and anticipated interest rate environment.
	Interest rate swaps are generally used to convert fixed-rate assets and liabilities to variable rate assets and liabilities and vice versa. The Company utilizes interest rate swaps that have a high degree of correlation to the related financial instrument.
	The last of the hedges is scheduled to expire in December 2030. The Company includes all components of each derivative's gain or loss in the assessment of hedge effectiveness. The earnings impact of the ineffective portion of these hedges was not material for the three-month period ended March 31, 2014 or March 31, 2013. As of March 31, 2014, the Company expects approximately $28.2 million of gross losses recorded in accumulated other comprehensive income to be reclassified to earnings during the next twelve months as the future cash flows occur.
	NOTE 10. DERIVATIVES (continued)
	Derivatives Designated in Hedge Relationships – Notional and Fair Values
	Derivatives designated as accounting hedges at March 31, 2014 and December 31, 2013 included:
		Notional				Asset				Liability			Weighted Average Receive			Weighted Average Pay			Weighted Average Life
		Amount											Rate			Rate			(Years)
		(dollars in thousands)
	March 31, 2014
	Fair value hedges:
	Cross-currency swaps	$	19,995			$	910			$	1,707		4.76	%		4.75	%		1.86
	Interest rate swaps	172,000				746				11			0.92	%		2.38	%		4.9
	Cash flow hedges:
	Pay fixed — receive floating interest rate swaps	3,295,317				5,513				47,029			0.19	%		2.38	%		2.07
	Total	$	3,487,312			$	7,169			$	48,747		0.25	%		2.39	%		2.2
	December 31, 2013
	Fair Value hedges:
	Cross-currency swaps	$	19,995			$	1,073			$	1,924		4.76	%		4.75	%		2.11
	Cash flow hedges:
	Pay fixed — receive floating interest rate swaps	2,700,312				4,803				58,381			0.24	%		2.46	%		1.89
	Total	$	2,720,307			$	5,876			$	60,305		0.27	%		2.47	%		1.9
	See Note 13 for detail of the amounts included in accumulated other comprehensive income related to derivatives activity.
	Other Derivative Activities
	The Company also enters into derivatives that are not designated as accounting hedges under GAAP. The majority of these derivatives are customer-related derivatives relating to foreign exchange and lending arrangements.  In addition, derivatives are used to manage risks related to residential and commercial mortgage banking and investing activities. Although these derivatives are used to hedge risk and are considered economic hedges, they are not designated as accounting hedges because the contracts they are hedging are typically also carried at fair value on the balance sheet, resulting in generally symmetrical accounting treatment for both the hedging instrument and the hedged item.
	Mortgage Banking Derivatives
	The Company's derivative portfolio includes mortgage banking interest rate lock commitments, forward sale commitments and interest rate swaps. As part of its overall business strategy, the Bank originates fixed-rate residential mortgages. It sells a portion of this production to FHLMC, FNMA, and private investors. The Company uses forward sales as a means of hedging against the economic impact of changes in interest rates on the mortgages that are originated for sale and on interest rate lock commitments.
	The Company typically retains the servicing rights related to residential mortgage loans that are sold. Residential MSRs are accounted for at fair value. As deemed appropriate, the Company economically hedges MSRs using interest rate swaps and forward contracts to purchase mortgage-backed securities.
	Customer-related derivatives
	The Company offers derivatives to its customers in connection with their risk management needs. These financial derivative transactions primarily consist of interest rate swaps, caps, floors and foreign exchange contracts. Risk exposure from customer positions is managed through transactions with other dealers, including Santander.
	NOTE 10. DERIVATIVES (continued)
	Other derivative activities
	The Company uses foreign exchange contracts to manage the foreign exchange risk associated with certain foreign currency-denominated assets and liabilities. Foreign exchange contracts, which include spot and forward contracts as well as cross currency swaps, represent agreements to exchange the currency of one country for the currency of another country at an agreed-upon price on an agreed-upon settlement date. Exposure to gains and losses on these contracts will increase or decrease over their respective lives as currency exchange and interest rates fluctuate.
	In March 2014, SCUSA entered into a financing arrangement with a third party under which SCUSA pledged certain bonds retained in its own securitizations in exchange for approximately $251 million in cash. In conjunction with this financing arrangement, SCUSA entered into a total return swap related to the bonds as an effective avenue to monetize SCUSA’s retained bonds as a source of financing. SCUSA will receive the fixed return on the bonds in exchange for paying a variable rate of three-month LIBOR plus 75 basis points. In addition, at maturity, SCUSA will receive a payment from, or make a payment to, the counterparty based on the change in fair value of the bonds during the one-year term of the facility. Throughout the term of the facility, the party in a net liability position must post collateral. SCUSA has the ability to substitute collateral and may do so if a bond is set to begin amortizing. Alternatively, the amortization may be utilized to reduce the notional amount of the facility.
	Other derivative instruments primarily include forward contracts related to certain investment securities sales, an overnight indexed swap, a total return swap on Visa, Inc. Class B common shares, and equity options, which manage our market risk associated with certain investments and customer deposit products.
	Derivatives Not Designated in Hedge Relationships – Notional and Fair Values
	Other derivative activities at March 31, 2014 and December 31, 2013 included:
		Notional								Asset derivatives							Liability derivatives
										Fair value							Fair value
		March 31, 2014				December 31, 2013 (1)				March 31, 2014			December 31, 2013 (1)				March 31, 2014			December 31, 2013 (1)
		(in thousands)
	Mortgage banking derivatives:
	Forward commitments to sell loans	$	170,123			$	169,608			$	92		$	2,101			$	—		$	—
	Interest rate lock commitments	130,038				75,787				1,728			547				—			—
	Mortgage servicing rights	670,000				245,000				8,013			6,155				10,108			488
	Total mortgage banking risk management	970,161				490,395				9,833			8,803				10,108			488
	Customer related derivatives:
Swaps receive fixed	5,986,085				5,665,350				162,949			166,871				19,743			28,561
Swaps pay fixed	5,956,962				5,661,555				42,114			54,693				157,916			166,473
Other	1,513,437				1,385,904				3,336			4,247				2,776			3,635
Total customer related derivatives	13,456,484				12,712,809				208,399			225,811				180,435			198,669
Other derivative activities:
Foreign exchange contracts	1,504,329				1,253,395				9,021			11,631				8,060			9,745
Interest rate swap agreements	8,379,633				—				3,067			—				31,502			—
Interest rate cap agreements	4,929,458				—				43,599			—				—			—
Options for interest rate cap agreements	4,929,458				—				—			—				43,680			—
Other	597,811				291,437				5,257			4,764				5,704			4,496
Total	$	34,767,334			$	14,748,036			$	279,176		$	251,009			$	279,489		$	213,398
(1) Balances at December 31, 2013 do not include SCUSA.
NOTE 10. DERIVATIVES (continued)
The Company is the holder of a warrant that gives it the right, if certain vesting conditions are satisfied, to purchase additional shares in a company in which it has a cost method investment. This warrant was issued in 2012 and is carried at its estimated fair value of zero at March 31, 2014 and December 31, 2013.
Gains (Losses) on All Derivatives
The following Condensed Consolidated Statement of Operations line items were impacted by the Company’s derivative activities for the three-month period ended March 31, 2014 and 2013:
				Three-Month Period Ended
Derivative Activity		Accounts		March 31, 2014			March 31, 2013
				(in thousands)
Fair value hedges:
Cross-currency swaps		Miscellaneous income		(681	)		1,746
Interest rate swaps		Miscellaneous income		735			—
Cash flow hedges:
Pay fixed-receive variable interest		Net interest income		(13,685	)		(17,733	)
rate swaps
Other derivative activities:
Forward commitments to sell loans		Mortgage banking income		(2,009	)		(256	)
Interest rate lock commitments		Mortgage banking income		1,181			(3,719	)
Mortgage servicing rights		Mortgage banking income		(7,761	)		820
Customer related derivatives		Miscellaneous income		113			2,388
Foreign exchange		Miscellaneous income		(911	)		(1,069	)
SCUSA derivatives		Miscellaneous income		13,025			—
		Net interest income		(1,839	)		—
Other		Miscellaneous income		(648	)		—
		Net interest income		—			(703	)
Disclosures about Offsetting Assets and Liabilities
The Company enters into legally enforceable master netting agreements which reduce risk by permitting netting of transactions with the same counterparty on the occurrence of certain events. A master netting agreement allows two counterparties the ability to net-settle amounts under all contracts, including any related collateral posted, through a single payment and in a single currency. The right to offset and certain terms regarding the collateral process, such as valuation, credit events and settlement, are contained in the ISDA master agreement. The Company's financial instruments, including resell and repurchase agreements, securities lending arrangements, derivatives and cash collateral, may be eligible for offset on its Condensed Consolidated Balance Sheet.
NOTE 10. DERIVATIVES (continued)
Information about financial assets and liabilities that are eligible for offset on the Condensed Consolidated Balance Sheet as of March 31, 2014 and December 31, 2013, respectively, is presented in the following tables:
		Offsetting of Financial Assets
													Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet
		Gross Amounts of Recognized Assets				Gross Amounts Offset in the Condensed Consolidated Balance Sheet				Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet			Financial Instruments				Cash Collateral Received			Net Amount
		(in thousands)
March 31, 2014
Fair value hedges		$	1,656			$	—			$	1,656		$	—			$	—		$	1,656
Cash flow hedges		5,513				—				5,513			—				—			5,513
Other derivative activities(1)		277,426				29,569				247,857			10,030				15,870			221,957
Total derivatives subject to a master netting arrangement or similar arrangement		284,595				29,569				255,026			10,030				15,870			229,126
Total derivatives not subject to a master netting arrangement or similar arrangement(2)		1,750				—				1,750			—				—			1,750
Total Derivatives Assets		$	286,345			$	29,569			$	256,776		$	10,030			$	15,870		$	230,876
Total Financial Assets		$	286,345			$	29,569			$	256,776		$	10,030			$	15,870		$	230,876
31-Dec-13
Fair value hedges		$	1,073			$	—			$	1,073		$	—			$	—		$	1,073
Cash flow hedges		4,803				—				4,803			—				—			4,803
Other derivative activities(1)		249,619				34,394				215,225			3,992				47,706			163,527
Total derivatives subject to a master netting arrangement or similar arrangement		255,495				34,394				221,101			3,992				47,706			169,403
Total derivatives not subject to a master netting arrangement or similar arrangement(2)		1,390				—				1,390			—				—			1,390
Total Derivatives Assets		$	256,885			$	34,394			$	222,491		$	3,992			$	47,706		$	170,793
Total Financial Assets		$	256,885			$	34,394			$	222,491		$	3,992			$	47,706		$	170,793
-1	Includes customer-related and other derivatives
-2	Includes mortgage banking derivatives
NOTE 10. DERIVATIVES (continued)
		Offsetting of Financial Liabilities
													Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet
		Gross Amounts of Recognized Liabilities				Gross Amounts Offset in the Condensed Consolidated Balance Sheet				Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet			Financial Instruments				Cash Collateral Pledged			Net Amount
		(in thousands)
March 31, 2014
Fair value hedges		$	1,718			$	—			$	1,718		$	—			$	1,162		$	556
Cash flow hedges		47,029				—				47,029			31,043				30,862			(14,876		)
Other derivative activities(1)		279,490				29,569				249,921			57,232				108,590			84,099
Total derivatives subject to a master netting arrangement or similar arrangement		328,237				29,569				298,668			88,275				92,428			69,779
Total derivatives not subject to a master netting arrangement or similar arrangement(2)		—				—				—			—				—			—
Total Derivatives Liabilities		$	328,237			$	29,569			$	298,668		$	88,275			$	92,428		$	69,779
Total Financial Liabilities		$	328,237			$	29,569			$	298,668		$	88,275			$	92,428		$	69,779
31-Dec-13
Fair value hedges		$	1,924			$	—			$	1,924		$	—			$	1,311		$	613
Cash flow hedges		58,381				—				58,381			34,881				40,817			(17,317		)
Other derivative activities(1)		213,400				34,394				179,006			102,402				37,538			39,066
Total derivatives subject to a master netting arrangement or similar arrangement		273,705				34,394				239,311			137,283				79,666			22,362
Total derivatives not subject to a master netting arrangement or similar arrangement(2)		—				—				—			—				—			—
Total Derivatives Liabilities		$	273,705			$	34,394			$	239,311		$	137,283			$	79,666		$	22,362
Total Financial Liabilities		$	273,705			$	34,394			$	239,311		$	137,283			$	79,666		$	22,362
-1	Includes customer-related and other derivatives
-2	Includes mortgage banking derivatives

INCOME_TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2014
Income Tax Disclosure [Abstract]	'
INCOME TAXES	'
	INCOME TAXES
	An income tax provision of $1.1 billion was recorded for the three-month period ended March 31, 2014, respectively, compared to $102.7 million for the corresponding period in 2013. This resulted in an effective tax rate of 35.9% for the three-month period ended March 31, 2014, compared to 26.4% for the corresponding period in 2013. The higher tax rate in 2014 was primarily attributable to the deferred tax expense recorded on the book gain resulting from the SCUSA Change in Control.
	The Company is subject to the income tax laws of the U.S., its states and municipalities and certain foreign countries. These tax laws are complex and are potentially subject to different interpretations by the taxpayer and the relevant governmental taxing authorities. In establishing a provision for income tax expense, the Company must make judgments and interpretations about the application of these inherently complex tax laws.
	NOTE 11. INCOME TAXES (continued)
	Actual income taxes paid may vary from estimates depending upon changes in income tax laws, actual results of operations, and the final audit of tax returns by taxing authorities. Tax assessments may arise several years after tax returns have been filed. The Company reviews the tax balances quarterly and, as new information becomes available, the balances are adjusted as appropriate. The Company is subject to ongoing tax examinations and assessments in various jurisdictions.
	The Company has a lawsuit pending against the United States in Federal District Court in Massachusetts relating to the proper tax consequences of two financing transactions with an international bank through which the Company borrowed $1.2 billion. As a result of the financing transactions, the Company paid foreign taxes of $264.0 million during the years 2003 through 2007 and claimed a corresponding foreign tax credit for foreign taxes paid during those years, which the IRS disallowed. The IRS also disallowed the Company's deductions for interest expense and transaction costs, totaling $74.6 million in tax liability, and assessed penalties and interest totaling approximately $92.5 million. The Company has paid the taxes, penalties and interest associated with the IRS adjustments for all tax years, and the lawsuit will determine whether the Bank is entitled to a refund of the amounts paid. The Company has recorded a receivable in the Other assets line of Condensed Consolidated Balance Sheets for the amount of these payments, less a tax reserve of $96.9 million, as of March 31, 2014.
	On October 17, 2013, the Court issued a written opinion in favor of the Company relating to a motion for partial summary judgment on a significant issue in the case. The Company subsequently filed a motion for summary judgment requesting the Court to conclude the case in its entirety and enter a final judgment awarding the Company a refund of all amounts paid. In response, the IRS filed a motion opposing the Company's motion, and filed a cross-motion for summary judgment requesting that the Court enter a final judgment in the IRS's favor. The Company anticipates the Court will rule on the parties' motions within the next several months and make a determination as to whether further proceedings are required at the District Court level to resolve any remaining legal or factual issues, which could affect the Company's entitlement to some or all of the refund. The Company expects the IRS to appeal any decision in favor of the Company. In 2013, two different federal courts decided cases involving similar financing structures entered into by the Bank of New York Mellon Corp. and BB&T Corp. (referred to as the Salem Financial Case) in favor of the IRS. Bank of New York Mellon Corp. and BB&T. Corp. have filed notices of appeal in their respective cases. The Company remains confident in its position and believes its reserve amount adequately provides for potential exposure to the IRS related to these items. As this litigation progresses over the next 24 months, it is reasonably possible that changes in the reserve for uncertain tax positions could range from a decrease of $96.9 million to an increase of $296.0 million.
	The IRS concluded the exam of the Company’s 2006 and 2007 tax returns in 2011. In addition to the adjustments for items related to the financing transactions discussed above, the IRS has proposed to recharacterize ordinary losses related to the sale of certain assets as capital losses. The Company has paid the tax assessment resulting from this recharacterization, and will contest the adjustment through the administrative appeals process. The Company is confident that its position related to its ordinary tax treatment of the losses will ultimately be upheld. If the Company is not successful in defending its position, the maximum potential tax liability resulting from this IRS adjustment would be approximately $95.6 million. Additionally, with respect to the 2006-2007 tax periods, the Company faces potential interest and penalties resulting from the recharacterization adjustment and other unrelated adjustments of approximately $11.1 million in interest and $14.5 million in penalties, which are also being contested through the administrative appeals process.

STOCKHOLDERS_EQUITY

STOCKHOLDER'S EQUITY	3 Months Ended
	Mar. 31, 2014
Equity [Abstract]	'
STOCKHOLDER'S EQUITY	'
	STOCKHOLDER'S EQUITY
	In February 2014, the Company issued 7 million shares of common stock to Santander in exchange for cash in the amount of $1.75 billion. Also in February 2014, the Company raised $750 million of capital by issuing 3 million shares of common stock to Santander in exchange for canceling debt of an equivalent amount. Following these transactions and as of March 31, 2014, the Company has 530,307,043 shares of common stock outstanding.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS)	3 Months Ended
	Mar. 31, 2014
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS)	'
	ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS)
	The following table presents the components of accumulated other comprehensive income/ (loss), net of related tax, for the three-month period ended March 31, 2014 and 2013, respectively.
		Total Other									Total Accumulated
		Comprehensive Income/(Loss)									Other Comprehensive Income/(Loss)
		For the Three-Month Period									December 31, 2013						March 31, 2014
		Ended March 31, 2014
		Pretax			Tax			Net Activity			Beginning			Net			Ending
		Activity			Effect						Balance			Activity			Balance
		(in thousands)
	Change in accumulated gains/(losses) on cash flow hedge derivative financial instruments	$	(1,648	)	$	586		$	(1,062	)
	Reclassification adjustment for net losses on cash flow hedge derivative financial instruments (1)	13,685			(4,863		)	8,822
	Net unrealized gains/(losses) on cash flow hedge derivative financial instruments	12,037			(4,277		)	7,760			$	(39,423	)	$	7,760		$	(31,663	)
	Change in unrealized gains/(losses) on investment securities available-for-sale	2,566,682			(1,005,159		)	1,561,523
	Reclassification adjustment for net losses included in net income on non-OTTI securities (2)	(2,430,483		)	951,821			(1,478,662		)
	Net unrealized gains on investment securities available-for-sale	136,199			(53,338		)	82,861			(199,392		)	82,861			(116,531		)
	Pension and post-retirement actuarial gain/(loss)(3)	447			115			562			(15,553		)	562			(14,991		)
	As of March 31, 2014	$	148,683		$	(57,500	)	$	91,183		$	(254,368	)	$	91,183		$	(163,185	)
	(1) Net losses reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statement of Operations for settlements of interest rate swap contracts designated as cash flow hedges.
	(2) Net gains reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statement of Operations for the sale of available-for-sale securities.
	(3) Included in the computation of net periodic pension costs.
	NOTE 13. ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (continued)
		Total Other									Total Accumulated
		Comprehensive Income/(Loss)									Other Comprehensive Income/(Loss)
		For the Three-Month Period									December 31, 2012						March 31, 2013
		Ended March 31, 2013
		Pretax			Tax			Net Activity			Beginning			Net			Ending
		Activity			Effect						Balance			Activity			Balance
		(in thousands)
	Change in accumulated gains/(losses) on cash flow hedge derivative financial instruments	$	1,469		$	(15,456	)	$	(13,987	)
	Reclassification adjustment for net losses on cash flow hedge derivative financial instruments	17,401			7,415			24,816
	Net unrealized gains/(losses) on cash flow hedge derivative financial instruments	18,870			(8,041		)	10,829			$	(79,174	)	$	10,829		$	(68,345	)
	Change in unrealized gains/(losses) on investment securities available-for-sale	(32,808		)	71,364			38,556
	Total reclassification adjustment for net gains included in net income	(73,522		)	(29,173		)	(102,695		)
	Net unrealized gains/(losses) on investment securities available-for-sale	(106,330		)	42,191			(64,139		)	160,224			(64,139		)	96,085
	Pension and post-retirement actuarial gain/(loss)	905			(355		)	549			(26,716		)	549			(26,167		)
	As of March 31, 2013	$	(86,555	)	$	33,795		$	(52,761	)	$	54,334		$	(52,761	)	$	1,573

COMMITMENTS_CONTINGENCIES_AND_

COMMITMENTS, CONTINGENCIES, AND GUARANTEES	3 Months Ended
	Mar. 31, 2014
Commitments and Contingencies Disclosure [Abstract]	'
COMMITMENTS, CONTINGENCIES, AND GUARANTEES	'
	COMMITMENTS, CONTINGENCIES, AND GUARANTEES
	Off-Balance Sheet Risk - Financial Instruments
	In the normal course of business, the Company utilizes a variety of financial instruments with off-balance sheet risk to meet the financing needs of its customers and manage its exposure to fluctuations in interest rates. These financial instruments include commitments to extend credit, letters of credit, loans sold with recourse, forward contracts, and interest rate and cross currency swaps, caps and floors. These financial instruments may involve, to varying degrees, elements of credit, liquidity, and interest rate risk in excess of the amount recognized on the Condensed Consolidated Balance Sheet. The contractual or notional amounts of these financial instruments reflect the extent of involvement the Company has in particular classes of financial instruments.
	The Company’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit, letters of credit and loans sold with recourse is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. For forward contracts and interest rate swaps, caps and floors, the contract or notional amounts do not represent exposure to credit loss. The Company controls the credit risk of its forward contracts and interest rate swaps, caps and floors through credit approvals, limits and monitoring procedures. See Note 10 to these Condensed Consolidated Financial Statements for discussion of all derivative contract commitments.
	NOTE 14. COMMITMENTS, CONTINGENCIES, AND GUARANTEES (continued)
	The following table details the amount of commitments for the periods indicated:
	Other Commitments	March 31, 2014			31-Dec-13
		(in thousands)
	Commitments to extend credit	$	24,114,452		$	23,651,791
	Credit card lines of credit	834,951			815,573
	Letters of credit	2,321,880			2,116,227
	Recourse and credit enhancement exposure on sold loans	179,914			184,584
	Commitments to sell loans	12,841			3,810
	Total commitments	$	27,464,038		$	26,771,985
	Commitments to Extend Credit
	Commitments to extend credit generally have fixed expiration dates, are variable rate, and contain clauses that permit the Company to terminate or otherwise renegotiate the contracts in the event of a significant deterioration in the customer’s credit quality. These arrangements normally require payment of a fee by the customer, the pricing of which is based on prevailing market conditions, credit quality, probability of funding, and other relevant factors. Since many of these commitments are expected to expire without being drawn upon, the contract amounts are not necessarily indicative of future cash requirements.
	The following table details the amount of commitments to extend credit expiring per period as of the dates indicated:
		March 31, 2014			December 31, 2013
		(in thousands)
	One year or less	$	4,935,330		$	5,163,591
	Over 1 year to 3 years	5,515,231			5,716,759
	Over 3 years to 5 years	7,302,105			6,457,992
	Over 5 years	6,361,786			6,313,449
	Total	$	24,114,452		$	23,651,791
	Credit Card Lines of Credit
	Such commitments arise primarily from agreements with customers for unused lines of credit on credit cards, provided there is no violation of conditions in the underlying agreement. These commitments, substantially all of which the Company can terminate at any time and which do not necessarily represent future cash requirements, are periodically reviewed based on account usage, customer creditworthiness and loan qualifications.
	Letters of Credit
	The Company’s letters of credit meet the definition of a guarantee. Letters of credit commit the Company to make payments on behalf of its customers if specified future events occur. The guarantees are primarily issued to support public and private borrowing arrangements. The weighted average term of these commitments is 16.1 months. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. In the event of a draw by the beneficiary that complies with the terms of the letter of credit, the Company would be required to honor the commitment. The Company has various forms of collateral, including real estate assets and other customer business assets. The maximum undiscounted exposure related to these commitments at March 31, 2014 was $2.3 billion, and the approximate value of the underlying collateral upon liquidation that would be expected to cover this maximum potential exposure was $0.5 billion. The fees related to letters of credit are deferred and amortized over the lives of the commitments and were immaterial to the Company’s financial statements at March 31, 2014. Management believes that the utilization rate of these letters of credit will continue to be substantially less than the amount of these commitments, as has been the Company’s experience to date. As of March 31, 2014 and December 31, 2013, the liability related to these letters of credit was $141.2 million and $129.8 million, respectively, which is recorded within the reserve for unfunded lending commitments in Other Liabilities on the Condensed Consolidated Balance Sheet. The credit risk associated with letters of credit is monitored using the same risk rating system utilized within the loan and financing lease portfolio. Also included within the reserve for unfunded lending commitments at March 31, 2014 and December 31, 2013 were lines of credit outstanding of $38.8 million and $90.2 million, respectively.
	NOTE 14. COMMITMENTS, CONTINGENCIES, AND GUARANTEES (continued)
	The following table details the amount of letters of credit expiring per period as of the dates indicated:
		March 31, 2014			December 31, 2013
		(in thousands)
	One year or less	$	1,686,607		$	1,680,277
	Over 1 year to 3 years	347,331			333,769
	Over 3 years to 5 years	262,318			96,558
	Over 5 years	25,624			5,623
	Total	$	2,321,880		$	2,116,227
	Loans Sold with Recourse
	The Company has loans sold with recourse that meet the definition of a guarantee. For loans sold with recourse under the terms of its multi-family sales program with FNMA, the Company retained a portion of the associated credit risk. The unpaid principal balance outstanding of loans sold in these programs was $3.2 billion as of March 31, 2014 and $4.3 billion as of December 31, 2013. As a result of its agreement with FNMA, the Company retained a 100% first loss position on each multi-family loan sold to FNMA until the earlier to occur of (i) the aggregate approved losses on multi-family loans sold to FNMA reaching the maximum loss exposure for the portfolio as a whole of $154.5 million as of March 31, 2014 and $159.0 million as of December 31, 2013, respectively, or (ii) all of the loans sold to FNMA under this program being fully paid off. Any losses sustained as a result of impediments in standard representations and warranties would be in addition to the maximum loss exposure.
	The Company has established a liability which represents the fair value of the retained credit exposure and the amount the Company estimates it would have to pay a third party to assume the retained recourse obligation. The estimated liability is calculated as the present value of losses that the portfolio is projected to incur based upon internal specific information and an industry-based default curve with a range of estimated losses. At March 31, 2014 and December 31, 2013, the Company had $57.0 million and $68.0 million, respectively, of reserves classified in accrued expenses and payables on the Condensed Consolidated Balance Sheets related to the fair value of the retained credit exposure for loans sold to FNMA under this program. The Company's commitment will expire in March 2039 based on the maturity of the loans sold with recourse. Losses sustained by the Company may be offset, or partially offset, by proceeds resulting from the disposition of the underlying mortgaged properties. Approval from FNMA is required for all transactions related to the liquidation of properties underlying the mortgages. Separate from the recourse agreement described above, beginning in 2013, the Company has purchased approximately $1.5 billion of performing loans previously sold to FNMA. Refer to further discussion of this purchase in Note 8 Other Assets to the Condensed Consolidated Financial Statements.
	Additionally, during the period from 1999 to 2002, residential mortgage loans were sold with recourse and credit enhancement features to FNMA and FHLMC. The remaining unpaid principal balance of these loans was $63.6 million and $65.7 million at March 31, 2014 and December 31, 2013, respectively, and the remaining maximum amount of credit exposure on these loans was $25.4 million and $25.6 million for the same periods. The Company has posted collateral in the amount of $0.9 million at March 31, 2014 and December 31, 2013 to be utilized for any losses incurred related to these loans.
	Commitments to Sell Loans
	The Company enters into forward contracts relating to its mortgage banking business to hedge the exposures from commitments to make new residential mortgage loans with existing customers and from mortgage loans classified as LHFS. These contracts mature in less than one year.
	NOTE 14. COMMITMENTS, CONTINGENCIES, AND GUARANTEES (continued)
	Representation and Warranty Liability
	In the ordinary course of business, the Company sells residential loans on a non-recourse basis to certain government-sponsored entities ("GSEs") and private investors. In connection with these sales, the Company has entered into agreements containing various representations and warranties about, among other things, the ownership of the loans, the validity of the liens securing the loans, the loans' compliance with any applicable loan criteria established by the GSEs and the private investors, including underwriting standards and the ongoing existence of mortgage insurance, the absence of delinquent taxes or liens against the property securing the loans and the loans' compliance with applicable federal, state, and local laws. Breaches of these representations and warranties may require the Company to repurchase the mortgage loan or, if the loan has been foreclosed, the underlying collateral, or otherwise make whole or provide other remedies to the GSEs and the private investors. The repurchase liability is recorded within Accrued expenses and payables on the Condensed Consolidated Balance Sheet and the related income statement activity is recorded in Mortgage banking revenue on the Condensed Consolidated Statement of Operations. Management believes the Company's repurchase reserve appropriately reflects the estimated probable losses on repurchase claims for all loans sold and outstanding as of March 31, 2014. In making these estimates, the Company considers the losses it expects to incur over the lives of the loans sold. The table below represents the activity in the representation and warranty reserve for the dates indicated. The table below represents the activity in the representation and warranty reserve for the dates indicated.
		Three-Month Period
		Ended March 31,
		2014			2013
		(in thousands)
	Beginning Balance	$	54,836		$	50,662
	Provision	193			6,823
	Charge-offs	(4,514		)	(6,778		)
	Ending Balance	$	50,515		$	50,707
	SCUSA Commitments
	In connection with the sale of retail installment contracts through securitizations, SCUSA has made standard representations and warranties customary to the consumer finance industry. Violations of these representations and warranties may require SCUSA to repurchase loans previously sold. As of March 31, 2014, SCUSA had no repurchase requests outstanding. In the opinion of management, the potential exposure of other recourse obligations related to SCUSA’s retail installment contract sales agreements will not have a material adverse effect on SCUSA’s consolidated financial position, results of operations, or cash flows.
	SCUSA has a letter of credit facility with Santander's New York branch totaling $500,000 at March 31, 2014 and December 31, 2013. The amount outstanding was zero as of December 31, 2013 and 2012. These letters of credit can serve as collateral for certain warehouse lines. These commitments will expire on December 31, 2014.
	Santander has provided guarantees on the covenants, agreements, and obligations of SCUSA under the governing documents of its warehouse facilities and privately issued amortizing notes. These guarantees are limited to the obligations of SCUSA as servicer.
	SCUSA committed to purchase certain new advances of unsecured revolving financings originated by a third-party retailer, along with existing balances on accounts with new advances, for an initial term ending in April 2020. SCUSA also is required to make a profit-sharing payment to the retailer each month.
	Under terms of its agreement with Chrysler, SCUSA must make revenue sharing payments to Chrysler and also must make loss-sharing payments when residual losses on leased vehicles exceed a specified threshold.
	SCUSA is obligated to make purchase price holdback payments to a third-party originator of loans that it purchases on a periodic basis when losses are lower than originally expected.
	SCUSA has a flow agreement with Bank of America under which SCUSA is committed to sell up to $300,000 of eligible loans to that bank each month through May 31, 2018. SCUSA retains servicing on all sold loans and will receive or pay a servicer performance payment if yields on the loans, net of credit losses, are higher or lower, respectively, than expected at origination.
	NOTE 14. COMMITMENTS, CONTINGENCIES, AND GUARANTEES (continued)
In 2013, SCUSA entered into a purchase agreement and amended a servicing agreement with a peer-to-peer unsecured lending platform company from which SCUSA already was acquiring prime amortizing term unsecured consumer loans. Under terms of the agreements, SCUSA committed to purchase at least the lesser of $30,000 per month or 75% of the lending platform company’s near-prime originations through July 2015, and the lesser of $30,000 per month or 50% of the lending platform company’s near-prime originations thereafter through July 2017. This commitment can be reduced or canceled with 90 days’ notice.
Other Off-Balance Sheet Risk
Other off-balance sheet risk stems from financial instruments that do not meet the definition of guarantees under applicable accounting guidance, and from other relationships which include items such as indemnifications provided in the ordinary course of business and intercompany guarantees.
Litigation
In the ordinary course of business, the Company and its subsidiaries are routinely parties to pending and threatened legal actions and proceedings, including class action claims. These actions and proceedings are generally based on alleged violations of consumer protection, securities, environmental, banking, employment and other laws. In some of these actions and proceedings, claims for substantial monetary damages are asserted against the Company and its subsidiaries. In the ordinary course of business, the Company and its subsidiaries are also subject to regulatory examinations, information-gathering requests, inquiries and investigations.
In view of the inherent difficulty of predicting the outcome of such litigation and regulatory matters, particularly where the claimants seek very large or indeterminate damages or where the matters present novel legal theories or involve a large number of parties, the Company generally cannot predict the eventual outcome of the pending matters, the timing of the ultimate resolution of the matters, or the eventual loss, fines or penalties related to the matter. The Company does not presently anticipate that the ultimate aggregate liability, if any, arising out of such other legal proceedings will have a material effect on its financial position.
In accordance with applicable accounting guidance, the Company establishes an accrued liability for litigation and regulatory matters when those matters present loss contingencies that are both probable and estimable. In such cases, there may be an exposure to loss in excess of any amounts accrued. When a loss contingency is not both probable and estimable, the Company does not establish an accrued liability. As a litigation or regulatory matter develops, the Company, in conjunction with any outside counsel handling the matter, evaluates on an ongoing basis whether the matter presents a loss contingency that is probable and estimable, at which time an accrued liability is established with respect to such loss contingency. The Company continues to monitor the matter for further developments that could affect the amount of the accrued liability previously established. For certain legal matters in which the Company is involved, the Company is able to estimate a range of reasonably possible losses. For other matters for which a loss is probable or reasonably possible, such an estimate is not possible. Management currently estimates that it is reasonably possible that the Company could incur losses in an aggregate amount of up to approximately $30.8 million in excess of the accrued liability, if any, with it also being reasonably possible that the Company could incur no such losses in these matters. This estimated range of reasonably possible losses represents the estimate of possible losses over the life of such legal matters, which may span an indeterminable number of years, and is based on information available as of March 31, 2014.
The matters for which it is reasonably possible that the Company will incur a significant loss are described below. The Company may include in some of the descriptions of individual disclosed matters certain quantitative information related to the plaintiff's claim against the Company as alleged in the plaintiff's pleadings or other public filings or otherwise based on publicly available information. While information of this type may provide insight into the potential magnitude of a matter, it does not necessarily represent the Company's estimate of reasonably possible loss or its judgment as to any currently appropriate accrual. Refer to Note 11 for disclosure regarding the lawsuit filed by the Company against the IRS/United States.
NOTE 14. COMMITMENTS, CONTINGENCIES, AND GUARANTEES (continued)
M. Fabrikant & Sons, Inc. Bankruptcy Adversary Proceeding
In October 2007, the official committee of unsecured creditors of the debtors, M. Fabrikant & Sons, Inc. (“MFS”) and a related company, Fabrikant-Leer International, Ltd. (“FLI”) (collectively the "Debtors"), filed an adversary proceeding against Sovereign Precious Metals, LLC (“SPM”), a wholly-owned subsidiary of the Bank, and the Bank in the United States Bankruptcy Court for the Southern District of New York. The original complaint sought to avoid $22.0 million in obligations otherwise due to the Bank (and formerly SPM) with respect to gold consigned to the Debtors by the Bank. In addition, the complaint sought to recover over $9.8 million in payments made to the Bank by an affiliate of the Debtors. Several other financial institutions were named as defendants based upon other alleged fraudulent transfers.
On October 15, 2013, the Second Circuit Court of Appeals affirmed the judgment of the lower courts in dismissing several counts of the then-pending complaint. As a result, on November 27, 2013, the Debtors filed a fourth amended complaint in the proceeding. While the fourth amended complaint again seeks to recover over $9.8 million in affiliate payments to the Bank, the Debtors do not reassert the above described $22.0 million avoidance claims against the Bank and SPM. On January 8, 2014, the Bank filed an answer denying the allegations asserted in the fourth amended complaint. Subsequently, the Debtors agreed to dismiss with prejudice all claims against the remaining defendants, including the Bank. On March 6, 2014, the parties filed a Stipulation of Discontinuance with Prejudice, which was entered by the court on March 11, 2014. This litigation is concluded.
SCUSA Litigation
On September 13, 2013, Ally Financial Inc. filed suit against SCUSA in the United States District Court for the Eastern District of Michigan in a matter pending as Case No. 13-CV-13929, alleging copyright infringement and misappropriation of trade secrets and confidential information in connection with SCUSA’s launch of Chrysler Capital and, in particular, SCUSA’s offering of floorplan lines of credit to Chrysler dealerships. SCUSA considers the allegations to be without merit and intend to vigorously defend the case.
Other Regulatory and Governmental Matters
Foreclosure Matters
On May 22, 2013, the Bank received a subpoena from the U.S. Attorney's Office for the Southern District of New York seeking information regarding claims for foreclosure expenses incurred in connection with the foreclosure of loans insured or guaranteed by the Federal Housing Agency (the "FHA"), FNMA or FHLMC. The Bank is cooperating with the investigation; however, there can be no assurance that claims or litigation will not arise from this matter.
On April 13, 2011, the Bank consented to the issuance of a consent order by the Bank's previous primary federal banking regulator, the Office of Thrift Supervision (the “OTS”), as part of an interagency horizontal review of foreclosure practices at 14 mortgage servicers. Upon its conversion to a national bank on January 26, 2012, the Bank entered into a stipulation consenting to the issuance of a consent order (the "Order") by the OCC, which contains the same terms as the OTS consent order.
On January 7, 2013, the Bank and nine other mortgage servicing companies subject to enforcement actions for deficient practices in mortgage loan servicing and foreclosure processing reached an agreement in principle with the OCC and the FRB to make cash payments and provide other assistance to borrowers. On February 28, 2013, the agreements were finalized with all ten mortgage servicing companies, including the Bank. Other assistance includes reductions of principal on first and second liens, payments to assist with short sales, deficiency balance waivers on past foreclosures and short sales, and forbearance assistance for unemployed homeowners. As of January 24, 2013, twelve other mortgage servicing companies subject to enforcement action for deficient practices in mortgage loan servicing and foreclosure processes also reached an agreement with the OCC or the Federal Reserve, as applicable.
As a result of the agreement, the participating servicers, including the Bank, ceased their independent foreclosure reviews, which involved case-by-case reviews, and replaced them with a broader framework allowing eligible borrowers to receive compensation in a more timely manner. This arrangement has not eliminated all of the Company's risks associated with foreclosures, since it does not protect the Bank from potential individual borrower claims, class actions lawsuits, actions by state attorneys general, or actions by the Department of Justice or other regulators. In addition, all of the other terms of the Order are still in effect.
NOTE 14. COMMITMENTS, CONTINGENCIES, AND GUARANTEES (continued)
Under the agreement, the Bank has paid $6.2 million into a remediation fund, the majority of which has been distributed to borrowers, and will engage in foreclosure avoidance activities, such as loan modifications and short sales over the next two years in an aggregate principal amount of $9.9 million. In return, the OCC waived any civil money penalties that could have been assessed against the Bank. During 2013, the Company submitted for credit from the OCC mortgage loans in the amount of $74.1 million, which represents the principal balance of mortgage loans for which the Bank completed foreclosure avoidance activities with the Bank's borrowers. As of March 31, 2014, the Bank had already exceeded its requirements under the settlement agreement. The OCC is requiring the Bank to engage a consultant to validate that the submissions the Bank has made to the OCC qualify as foreclosure avoidance activities under the terms of the agreement.
The Bank represents 0.17% of the total $9.3 billion settlement among the banks and is the smallest participant in the agreement. The total $16.1 million related to the remediation fund and mortgage modifications was fully reserved.
Identity Theft Protection Product Matter
The Bank has been in discussions to address concerns that some customers may have paid for but did not receive certain benefits of an identity theft protection product from a third-party vendor. The Bank remains in discussions with the third-party vendor on potential remedial actions to impacted customers. During 2013, fees expected to be returned to customers of $30.0 million were expensed within general and administrative expenses on the Condensed Consolidated Statement of Operations. As of March 31, 2014, $11.5 million of payments were returned to customers as the first phase of the remediation. Further remediation of this matter is ongoing.
Marketing of Overdraft Coverage
On April 1, 2014, the Bank received a Civil Investigative Demand (“CID”) from the Consumer Financial Protection Bureau (the “Bureau”). The CID requests information and documents in connection with the Bank’s marketing to consumers of overdraft coverage for ATM and/or onetime debit card transactions. Pursuant to the terms of the CID, the information obtained by the Bureau will be used to determine whether the Bank is in compliance with laws administered by the Bureau. The Bank is cooperating with the investigation; however there can be no assurance that claims or litigation will not arise from this matter.
The Company's practice is to cooperate fully with regulatory and governmental investigations, audits and other inquiries, including those described above.

FAIR_VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2014
Fair Value Disclosures [Abstract]	'
FAIR VALUE	'
	FAIR VALUE
	General
	As of March 31, 2014, $13.7 billion of the Company’s total assets consisted of financial instruments measured at fair value on a recurring basis, including financial instruments for which the Company elected the fair value option. Approximately $10.0 million of these financial instruments were measured using quoted market prices for identical instruments or Level 1 inputs. Approximately $10.8 billion of these financial instruments were measured using valuation methodologies involving market-based and market-derived information, or Level 2 inputs. Approximately $2.9 billion of these financial instruments were measured using model-based techniques, or Level 3 inputs, and represented approximately 21.0% of total assets measured at fair value and approximately 2.6% of total consolidated assets.
	Fair value is defined in GAAP as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The standard focuses on the exit price in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants. GAAP establishes a fair value reporting hierarchy to maximize the use of observable inputs when measuring fair value and defines the three levels of inputs as noted below:
	NOTE 15. FAIR VALUE (continued)
	•	Level 1 - Assets or liabilities for which the identical item is traded on an active exchange, such as publicly-traded instruments or futures contracts.
	•	Level 2 - Assets and liabilities valued based on observable market data for similar instruments. Fair value is estimated using inputs other than quoted prices included within Level 1 that are observable for assets or liabilities, either directly or indirectly
	•	Level 3 - Assets or liabilities for which significant valuation assumptions are not readily observable in the market, and instruments valued based on the best available data, some of which is internally developed and considers risk premiums that a market participant would require. Fair value is estimated using unobservable inputs that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities may include financial instruments whose value is determined using pricing services, pricing models with internally developed assumptions, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation.
	Assets and liabilities measured at fair value, by their nature, result in a higher degree of financial statement volatility. When available, the Company attempts to use quoted market prices or matrix pricing in active markets to determine fair value and classifies such items as Level 1 or Level 2 assets or liabilities. If quoted market prices in active markets are not available, fair value is determined using third-party broker quotes and/or discounted cash flow models incorporating various assumptions including interest rates, prepayment speeds and credit losses. Assets and liabilities valued using broker quotes and/or discounted cash flow models are classified as either Level 2 or Level 3, depending on the lowest level classification of an input that is considered significant to the overall valuation.
	The Company values assets and liabilities based on the principal market on which each would be sold (in the case of assets) or transferred (in the case of liabilities). The principal market is the forum with the greatest volume and level of activity. In the absence of a principal market, the valuation is based on the most advantageous market. In the absence of observable market transactions, the Company considers liquidity valuation adjustments to reflect the uncertainty in pricing the instruments. The fair value of a financial asset is measured on a stand-alone basis and cannot be measured as a group, with the exception of certain financial instruments held and managed on a net portfolio basis. In measuring the fair value of a nonfinancial asset, the Company assumes the highest and best use of the asset by a market participant, not just the intended use, to maximize the value of the asset. The Company also considers whether any credit valuation adjustments are necessary based on the counterparty's credit quality.
	Any models used to determine fair values or validate dealer quotes based on the descriptions below are subject to review and testing as part of the Company's model validation and internal control testing processes.
	The Bank's Market Risk Department is responsible for determining and approving the fair values of all assets and liabilities valued at fair value, including our Level 3 assets and liabilities. Price validation procedures are performed and the results are reviewed for Level 3 assets and liabilities by the Market Risk Department. Price validation procedures performed for these assets and liabilities can include comparing current prices to historical pricing trends by collateral type and vintage, comparing prices by product type to indicative pricing grids published by market makers, and obtaining corroborating dealer prices for significant securities.
	The Company reviews the assumptions utilized to determine fair value on a quarterly basis. Any changes in methodologies or significant inputs used in determining fair values are further reviewed to determine if a change in fair value level hierarchy has occurred. Transfers in and out of Levels 1, 2 and 3 are considered to be effective as of the end of the quarter in which they occur.
	During the Company's review of its investment portfolio performed during the first three months of 2014, the Company transferred certain of its asset-backed securities from Level 2 to Level 3 due to limited price transparency in connection with their limited trading activity. There were no other transfers between Levels 1, 2 and 3 during the three-month period ended March 31, 2014. There were no transfers between Levels 1, 2 and 3 during the three-month period ended March 31, 2013 for any assets or liabilities valued at fair value on a recurring basis.
	NOTE 15. FAIR VALUE (continued)
	Assets and Liabilities Measured at Fair Value on a Recurring Basis
	The following tables present the assets and liabilities that are measured at fair value on a recurring basis by major product category and fair value hierarchy as of March 31, 2014 and December 31, 2013.
		Quoted Prices in Active				Significant Other				Significant				Balance at
		Markets for Identical				Observable Inputs				Unobservable Inputs				31-Mar-14
		Assets (Level 1)				(Level 2)				(Level 3)
		(in thousands)
	Financial assets:
	US Treasury and government agency securities	$	—			$	25,000			$	—			$	25,000
	Corporate debt	—				2,235,132				—				2,235,132
	Asset-backed securities	—				1,425,094				1,225,012				2,650,106
	Equity Securities	9,960				—				—				9,960
	State and municipal securities	—				1,888,760				—				1,888,760
	Mortgage backed securities	—				4,885,115				—				4,885,115
	Total investment securities available-for-sale	9,960				10,459,101				1,225,012				11,694,073
	Retail installment contracts held for investment	—				—				1,516,353				1,516,353
	Loans held for sale	—				78,995				—				78,995
	Mortgage servicing rights	—				—				134,775				134,775
	Derivatives:
	Fair value	—				1,656				—				1,656
	Cash Flow	—				5,513				—				5,513
	Mortgage banking interest rate lock commitments	—				—				1,728				1,728
	Mortgage banking forward sell commitments	—				92				—				92
	Customer related	—				208,399				—				208,399
	Foreign exchange	—				9,021				—				9,021
	Mortgage servicing	—				8,013				—				8,013
	Interest rate swap agreements	—				3,067				—				3,067
	Interest rate cap agreements	—				43,599				—				43,599
	Other	—				5,245				12				5,257
	Total financial assets	$	9,960			$	10,822,701			$	2,877,880			$	13,710,541
	Financial liabilities:
	Derivatives:
	Fair value	$	—			$	1,718			$	—			$	1,718
	Cash flow	—				47,029				—				47,029
	Customer related	—				180,435				—				180,435
	Total return swap	—				—				285				285
	Foreign exchange	—				8,060				—				8,060
	Mortgage servicing	—				10,108				—				10,108
	Interest rate swaps	—				31,502				—				31,502
	Option for interest rate cap	—				43,680				—				43,680
	Other	—				5,314				105				5,419
	Total financial liabilities	$	—			$	327,846			$	390			$	328,236
	NOTE 15. FAIR VALUE (continued)
		Quoted Prices in Active				Significant Other				Significant				Balance, December 31, 2013
		Markets for Identical				Observable Inputs				Unobservable Inputs
		Assets (Level 1)				(Level 2)				(Level 3)
		(in thousands)
	Financial assets:
	US Treasury and government agency securities	$	—			$	24,997			$	—			$	24,997
Corporate debt	—				2,218,180				—				2,218,180
Asset-backed securities	—				2,679,290				52,940				2,732,230
Equity securities	9,841				—				—				9,841
State and municipal securities	—				1,850,149				—				1,850,149
Mortgage backed securities	—				4,810,843				—				4,810,843
Total investment securities available-for-sale	9,841				11,583,459				52,940				11,646,240
Loans held for sale	—				128,949				—				128,949
Mortgage servicing rights	—				—				141,787				141,787
Derivatives:
Fair value	—				1,073				—				1,073
Cash flow	—				4,803				—				4,803
Mortgage banking interest rate lock commitments	—				—				547				547
Mortgage banking forward sell commitments	—				2,101				—				2,101
Customer related	—				225,811				—				225,811
Foreign exchange	—				11,631				—				11,631
Mortgage servicing rights	—				6,155				—				6,155
Other	—				4,750				14				4,764
Total financial assets	$	9,841			$	11,968,732			$	195,288			$	12,173,861
Financial liabilities:
Derivatives:
Fair value	$	—			$	1,924			$	—			$	1,924
Cash flow	—				58,381				—				58,381
Customer related	—				198,669				—				198,669
Total return swap	—				—				285				285
Foreign exchange	—				9,745				—				9,745
Mortgage servicing rights	—				488				—				488
Other	—				4,099				112				4,211
Total financial liabilities	$	—			$	273,306			$	397			$	273,703
NOTE 15. FAIR VALUE (continued)
Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis
The Company may be required to measure certain assets and liabilities at fair value on a nonrecurring basis in accordance with GAAP from time to time. These adjustments to fair value usually result from application of lower-of-cost-or-fair value accounting or certain impairment measures. Assets measured at fair value on a nonrecurring basis that were still held on the balance sheet were as follows:
	Quoted Prices in Active				Significant Other				Significant				Fair Value
	Markets for				Observable Inputs				Unobservable
	Identical Assets (Level 1)				(Level 2)				Inputs (Level 3)
	(in thousands)
March 31, 2014
Impaired loans held for investment	$	—			$	63,176			$	71,397			$	134,573
Foreclosed assets	—				20,476				—				20,476
Repossessed vehicle inventory	—				137,648				—				137,648
December 31, 2013
Impaired loans held for investment	$	—			$	149,796			$	137,356			$	287,152
Foreclosed assets	—				57,431				—				57,431
Valuation Processes and Techniques
Impaired loans held for investment represents the recorded investment of impaired commercial loans for which the Company periodically records nonrecurring adjustments of collateral-dependent loans measured for impairment when establishing the allowance for loan losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan. Appraisals are obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties, which are considered Level 2 inputs. Loans for which the value of the underlying collateral is determined using a combination of real estate appraisals, field exams and internal calculations are considered Level 3 inputs. The inputs in the internal calculations include the loan balance, estimation of the collectability of the underlying receivables held by the customer used as collateral, sale and liquidation value of the inventory held by the customer used as collateral, and historical loss-given-default parameters. In cases in which the carrying value exceeds the fair value of the collateral less cost to sell, an impairment charge is recognized. The total carrying value of these loans was $95.3 million and $209.1 million at March 31, 2014 and December 31, 2013, respectively.
Foreclosed assets represents the recorded investment in assets taken in foreclosure of defaulted loans, and is primarily comprised of commercial and residential real property and are generally measured at the lower of cost or fair value less costs to sell. The fair value of the real property is generally determined using appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace.
The Company estimates the fair value of its repossessed vehicle inventory using historical auction rates and current market levels of used car prices.
NOTE 15. FAIR VALUE (continued)
Fair Value Adjustments
The following table presents the increases and decreases in value of certain assets that are measured at fair value on a nonrecurring basis for which a fair value adjustment has been included in the Condensed Consolidated Statements of Operations relating to assets held at period-end:
	Statement of Operations		Three-Month Period
	Location		Ended March 31,
			(in thousands)
			2014				2013
Impaired loans held for investment	Provision for credit losses		$	(2,809	)		$	15,432
Foreclosed assets	Other administrative expense		(223		)		(1,544		)
Repossessed vehicle inventory	Provision for credit losses		104,934				—
			$	101,902			$	13,888
Level 3 Rollforward for Recurring Assets and Liabilities
The tables below present the changes in all Level 3 balances for the three-month period ended March 31, 2014 and 2013, respectively.
Three-Month Period Ended March 31, 2014
	Investments				Retail Installment Contracts Held for Investment				MSRs				Derivatives			Total
	Available-for-sale
	(in thousands)
Balance, December 31, 2013	$	52,940			$	—			$	141,787			$	164		$	194,891
Gains in other comprehensive income	1,048				—				—				—			1,048
Gains/(losses) in earnings	—				144,053				(4,459		)		1,046			140,640
Additions/Issuances	—				1,870,383				1,874				—			1,872,257
Settlements(1)	(436		)		(498,083		)		(4,427		)		140			(502,806		)
Transfers into level 3	1,171,460				—				—				—			1,171,460
Asset Balance, March 31, 2014	$	1,225,012			$	1,516,353			$	134,775			$	1,350		$	2,877,490
Changes in unrealized losses included in earnings related to balances still held at March 31, 2014	$	—			$	—			$	(4,459	)		$	(135	)	$	(4,594	)
-1	Settlements include charge-offs, prepayments, paydowns and maturities.
NOTE 15. FAIR VALUE (continued)
Three-Month Period Ended March 31, 2013
	Investments				MSRs				Derivatives				Total
	Available for Sale
	(in thousands)
Asset Balance, December 31, 2012	$	43,374			$	92,512			$	14,722			$	150,608
Gains in other comprehensive income	1,856				—				—				1,856
Gains/(losses) in earnings	—				10,096				(3,803		)		6,293
Additions/Issuances	—				13,172				—				13,172
Settlements(1)	(412		)		(6,617		)		103				(6,926		)
Asset Balance, March 31, 2013	$	44,818			$	109,163			$	11,022			$	165,003
Changes in unrealized gains (losses) included in earnings related to balances still held at	$	—			$	10,096			$	(83	)		$	10,013
31-Mar-13
(1) Settlements include prepayments, paydowns and maturities.
Valuation Processes and Techniques - Recurring Fair Value Assets and Liabilities
Following is a description of the valuation techniques used for instruments measured at fair value on a recurring basis.
Investment securities available for sale
The Company utilizes a third-party pricing service to value its investment portfolio. Our primary pricing service has consistently proved to be a high quality third-party pricing provider. For those investments not valued by our primary servicer, other trusted market sources are utilized. The vendors the Company uses provide pricing services on a global basis. The Company monitors and validates the reliability of vendor pricing on an ongoing basis, which can include pricing methodology reviews, performing detailed reviews of the assumptions and inputs used by the vendor to price individual securities, and price validation testing. Price validation testing is performed independently of the risk-taking function and can include corroborating the prices received from third-party vendors with prices from another third-party source, reviewing valuations of comparable instruments, comparison to internal valuations, or by reference to recent sales of similar securities. Securities not priced by one of the pricing vendors may be valued using a dealer quote.
Actively traded quoted market prices for investment securities available-for-sale, such as government agency bonds, corporate debt, and state and municipal securities, are not readily available. The Company's principal markets for its investment securities are the secondary institutional markets with an exit price that is predominantly reflective of bid-level pricing in these markets. The third-party vendors use a variety of methods when pricing securities that incorporate relevant market data to arrive at an estimate of what a buyer in the marketplace would pay for a security under current market conditions.
Collateralized loan obligations ("CLOs") are initially valued by the provider using discounted cash flow models which consider inputs such as default correlation, credit spread, prepayment speed, conditional default rate and loss severity. The price produced by the model is then compared to recent trades for similar transactions. If there are differences between the model price and the market price, adjustments are made to the model so the final price approximates the market price. These investments are, therefore, considered Level 2.
NOTE 15. FAIR VALUE (continued)
Certain asset-backed securities are valued using discounted cash flows. The discounted cash flows are obtained from a third party pricing service using observable market data and therefore are classified as Level 2. Other ABS which could not be valued using a third party pricing service are valued using an internally developed discounted cash flow model. When estimating the fair value using the model, the Company uses its best estimate of the key assumptions which include the discount rates and forward yield curves. The Company uses comparable bond indices based on industry, term, and rating to discount the expected future cash flows. Determining the comparability of assets involves significant subjectivity related to asset type differences, cash flows, performance and other inputs. The inability of the Company to corroborate the fair value of the ABS due to the limited available observable data on these ABS resulted in a fair value classification of Level 3.
The investments in sale-leaseback security is thinly traded, and the Company determined the estimated fair value of this security by evaluating pricing information from a combination of sources such as third-party pricing services, third-party broker quotes for certain securities and other independent third-party valuation sources. These quotes are benchmarked against similar securities that are more actively traded to assess the reasonableness of the estimated fair value. The fair market value estimate assigned to this security assumes liquidation in an orderly fashion and not under distressed circumstances. Significant unobservable inputs include third-party quotes and pricing on comparable securities that are more actively traded, as well as management-determined comparability adjustments. Significant increases (decreases) in any of those inputs in isolation would result in a significantly higher (lower) fair value measurement.
The Company's equity securities are priced using net asset value per share, that is validated with a sufficient level of observable activity. Since the price is observable and unadjusted, these investments are, therefore, considered Level 1.
Gains and losses on investments are recognized in the Condensed Consolidated Statements of Operations through Net gain on sale of investment securities.
Retail Installment Contracts Held for Investments
For certain retail installment contracts held for investments within loans held for investment, the Company has elected the fair value option. The fair values of the retail installment contracts are estimated using the discounted cash flow model. When estimating the fair value using this model, the Company uses significant unobservable inputs on key assumptions which includes historical default rate and adjustments to reflect voluntary prepayments, prepayment rate based on available data from a comparable market securitization of similar assets, discount rate reflective of the cost of funding of debt issuance and recent historical equity yields, and recovery rates based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. Accordingly, retail installment contracts held for investments are classified as Level 3.
Loans Held for Sale
The fair values of LHFS are estimated using published forward agency prices to agency buyers such as the FNMA and the FHLMC. The majority of the residential LHFS portfolio is sold to these two agencies. The fair value is determined using current secondary market prices for portfolios with similar characteristics, adjusted for servicing values and market conditions.
These loans are regularly traded in active markets, and observable pricing information is available from market participants. The prices are adjusted as necessary to include the embedded servicing value in the loans and to take into consideration the specific characteristics of certain loans that are priced based on the pricing of similar loans. These adjustments represent unobservable inputs to the valuation but are not considered significant given the relative insensitivity of the value to changes in these inputs to the fair value of the loans. Accordingly, residential mortgage LHFS are classified as Level 2. See further discussion below in the Fair Value Option for Financial Assets and Financial Liabilities section below.
NOTE 15. FAIR VALUE (continued)
Mortgage servicing rights
The model to value MSRs estimates the present value of the future net cash flows from mortgage servicing activities based on various assumptions. These cash flows include servicing and ancillary revenue, offset by the estimated costs of performing servicing activities. Significant assumptions used in the valuation of residential MSRs are changes in anticipated loan prepayment rates ("CPRs") and the discount rate, reflective of a market participant's required return on an investment for similar assets. Other important valuation assumptions include market-based servicing costs and the anticipated earnings on escrow and similar balances held by the Company in the normal course of mortgage servicing activities. All of these assumptions are considered to be unobservable inputs. Historically, servicing costs and discount rates have been less volatile than CPR and earnings rates, both of which are directly correlated with changes in market interest rates. Increases in prepayment speeds, discount rates and servicing costs result in lower valuations of MSRs. Decreases in the anticipated earnings rate on escrow and similar balances result in lower valuations of MSRs. For each of these items, the Company makes assumptions based on current market information and future expectations. All of the assumptions are based on standards that the Company believes would be utilized by market participants in valuing mortgage servicing rights and are derived and/or benchmarked against independent public sources. Accordingly, MSRs are classified as Level 3. Gains and losses on MSRs are recognized on the Condensed Consolidated Statements of Operations through Mortgage banking income. See further discussion on MSRs in Note 8.
Listed below are the most significant inputs that are utilized by the Company in the evaluation of residential MSRs:
•	A 10% and 20% increase in the CPR speed would decrease the fair value of the residential servicing asset by $4.8 million and $9.2 million, respectively, at March 31, 2014.
•	A 10% and 20% increase in the discount rate would decrease the fair value of the residential servicing asset by $5.1 million and $9.7 million, respectively, at March 31, 2014.
Significant increases (decreases) in any of those inputs in isolation would result in a significantly higher (lower) fair value measurement. These sensitivity calculations are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, the effect of an adverse variation in a particular assumption on the fair value of the MSRs is calculated without changing any other assumption, while in reality changes in one factor may result in changes in another, which may either magnify or counteract the effect of the change. Prepayment estimates generally increase when market interest rates decline and decrease when market interest rates rise. Discount rates typically increase when market interest rates increase and/or credit and liquidity risks increase and decrease when market interest rates decline and/or credit and liquidity conditions improve.
Derivatives
The valuation of these instruments is determined using widely accepted valuation techniques, including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable and unobservable market-based inputs. The fair value represents the estimated amount SHUSA would receive or pay to terminate the contracts or agreements, taking into account current interest rates, foreign exchange rates, equity prices and, when appropriate, the current creditworthiness of the counterparties.
The Company incorporates credit valuation adjustments in the fair value measurement of its derivatives to reflect the respective counterparty's nonperformance risk in the fair value measurement of its derivatives, except for those derivative contracts with associated credit support annexes which provide credit enhancements, such as collateral postings and guarantees.
The Company has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy. Certain of the Company's derivatives utilize Level 3 inputs, which are primarily related to mortgage banking derivatives-interest rate lock commitments.
NOTE 15. FAIR VALUE (continued)
The discounted cash flow model is utilized to determine the fair value for the mortgage banking derivatives-interest rate lock commitments. The significant unobservable inputs for mortgage banking derivatives used in the fair value measurement of the reporting entity‘s loan commitments are "pull through" percentage and the MSR value that is inherent in the underlying loan value. The pull through percentage is an estimate of loan commitments that will result in closed loans. Significant increases (decreases) in any of these inputs in isolation would result in a significantly higher (lower) fair value measurement. Significant increases (decreases) in the fair value of a mortgage banking derivative asset (liability) results when the probability of funding increases (decreases). Significant increases (decreases) in the fair value of a mortgage loan commitment result when the embedded servicing value increases (decreases).
Gains and losses related to derivatives affect various line items in the Condensed Consolidated Statements of Operations. See Note 10 for a discussion of derivatives activity.
Level 3 Inputs - Significant Recurring Assets and Liabilities
The following table presents quantitative information about the significant unobservable inputs within significant Level 3 recurring assets and liabilities.
	Fair Value at March 31, 2014				Valuation Technique		Unobservable Inputs		Range
									(Weighted Average)
	(in thousands)
Financial Assets:
Asset-backed securities
Financing Bonds	$	1,171,460			Discounted Cash Flow		Discount Rate (1)		0.53%-2.35% (1.44%)
Sale-leaseback securities	$	53,552			Consensus Pricing (2)		Offered quotes (3)		135.68	%
Retail installment contracts held for investment	$	1,516,353			Discounted Cash Flow		ABS (4)		40	%
							Prepayment rate (CPR) (5)		11	%
							Discount Rate (6)		5.29%-12.00% (6.85%)
							Recovery Rate (7)		25.00%-45.00% (41.00%)
Mortgage servicing rights	$	134,775			Discounted Cash Flow		Prepayment rate (CPR) (8)		0.35%-43.58% (9.05%)
							Discount Rate (9)		9.55	%
Mortgage banking interest rate lock commitments	$	1,728			Discounted Cash Flow		Pull through percentage (10)		76.46	%
							MSR value (11)		0.740%-1.160% (1.12%)
(1) Based on the applicable term and discount index.
(2) Consensus pricing refers to fair value estimates that are generally developed using information such as dealer quotes or other third-party valuations or comparable asset prices.
(3) Based on the nature of the input, a range or weighted average does not exist. For sale-lease back securities, the Company owns one security.
(4) Based on the historical default rate and adjustments to reflect voluntary prepayments.
(5) Based on the analysis of available data from a comparable market securitization of similar assets.
(6) Based on the cost of funding of debt issuance and recent historical equity yields.
(7) Based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool.
(8) Average CPR projected from collateral stratified by loan type, note rate and maturity.
(9) Based on the nature of the input, a range or weighted average does not exist.
(10) Historical weighted average based on principal balance calculated as the percentage of loans originated for sale divided by total commitments less outstanding commitments.
(11) MSR value is the estimated value of the servicing right embedded in the underlying loan, expressed in basis points of outstanding unpaid principal balance.
NOTE 15. FAIR VALUE (continued)
Fair Value of Financial Instruments
	March 31, 2014
	Carrying Value				Fair Value				Level 1				Level 2			Level 3
	(in thousands)
Financial assets:
Cash and amounts due from depository institutions	$	3,485,572			$	3,485,572			$	3,485,572			$	—		$	—
Available-for-sale investment securities	11,694,073				11,694,073				9,960				10,459,101			1,225,012
Debentures of FHLB, FNMA and FHLMC	19,910				20,000				—				20,000			—
Loans held for investment, net	72,952,024				73,831,529				—				63,176			73,768,353
Loans held for sale	250,461				255,420				176,425				78,995			—
Restricted Cash	1,912,244				1,912,244				1,912,244				—			—
Mortgage servicing rights	134,775				134,775				—				—			134,775
Derivatives	286,345				286,345				—				284,605			1,740
Financial liabilities:
Deposits	50,044,848				50,113,822				42,348,749				7,765,073			—
Borrowings and other debt obligations	34,766,697				35,521,696				—				26,247,970			9,273,726
Derivatives	328,236				328,236				—				327,846			390
	December 31, 2013
	Carrying Value				Fair Value				Level 1				Level 2			Level 3
	(in thousands)
Financial assets:
Cash and amounts due from depository institutions	$	4,226,947			$	4,226,947			$	4,226,947			$	—		$	—
Available-for-sale investment securities	11,646,240				11,646,240				9,841				11,583,459			52,940
Debentures of FHLB, FNMA and FHLMC	19,862				20,000				—				20,000			—
Loans held for investment, net	49,087,340				49,307,888				—				149,796			49,158,092
Loans held for sale	128,949				128,949				—				128,949			—
Restricted Cash	97,397				97,397				97,397				—			—
Mortgage servicing rights	141,787				141,787				—				—			141,787
Derivatives	256,885				256,885				—				256,324			561
Financial liabilities:
Deposits	49,521,406				49,609,846				41,382,336				8,227,510			—
Borrowings and other debt obligations	12,376,624				13,210,300				—				13,210,300			—
Derivatives	273,703				273,703				—				273,306			397
NOTE 15. FAIR VALUE (continued)
Valuation Processes and Techniques - Financial Instruments
The preceding tables present disclosures about the fair value of the Company's financial instruments. Those fair values for certain instruments are presented based upon subjective estimates of relevant market conditions at a specific point in time and information about each financial instrument. In cases in which quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. These techniques involve uncertainties resulting in variability in estimates affected by changes in assumptions and risks of the financial instruments at a certain point in time. Therefore, the derived fair value estimates presented above for certain instruments cannot be substantiated by comparison to independent markets. In addition, the fair values do not reflect any premium or discount that could result from offering for sale at one time an entity’s entire holding of a particular financial instrument, nor does it reflect potential taxes and the expenses that would be incurred in an actual sale or settlement. Accordingly, the aggregate fair value amounts presented above do not represent the underlying value of the Company.
The following methods and assumptions were used to estimate the fair value of each class of financial instruments not measured at fair value on the Condensed Consolidated Balance Sheet:
Cash and amounts due from depository institutions
Cash and cash equivalents include cash and due from depository institutions, interest-bearing deposits in other banks, federal funds sold, and securities purchased under agreements to resell. The related fair value measurements have been classified as Level 1, as their carrying value approximates fair value due to the short-term nature of the asset.
As of March 31, 2014 and December 31, 2013, the Company had $1.9 billion and $97.4 million, respectively, of restricted cash. Restricted cash is related to cash restricted for investment purposes, cash posted for collateral purposes, cash advanced for loan purchases, and lockbox collections. Cash and cash equivalents, including restricted cash, have maturities of three months or less and, accordingly, the carrying amount of these instruments is deemed to be a reasonable estimate of fair value.
Debentures of FHLB, FNMA, and FHLMC
Other investments include debentures of the FHLB, FNMA and FHLMC. The related fair value measurements have generally been classified as Level 2, as carrying value approximates fair value.
Loans held for investment, net
The fair values of loans are estimated based on groupings of similar loans, including but not limited to stratifications by type, interest rate, maturity, and borrower creditworthiness. Discounted future cash flow analyses are performed for these loans incorporating assumptions of current and projected voluntary prepayment speeds. Discount rates are determined using the Company's current origination rates on similar loans, adjusted for changes in current liquidity and credit spreads (if necessary). Because the current liquidity spreads are generally not observable in the market and the expected loss assumptions are based on the Company's experience, these are Level 3 valuations. Impaired loans are valued at fair value on a nonrecurring basis. See further discussion under Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis above.
Deposits
The fair value of deposits with no stated maturity, such as non-interest-bearing demand deposits, interest-bearing demand deposit accounts, savings accounts and certain money market accounts, is equal to the amount payable on demand and does not take into account the significant value of the cost advantage and stability of the Company’s long-term relationships with depositors. The fair value of fixed-maturity CDs is estimated by discounting cash flows using currently offered rates for deposits of similar remaining maturities. The related fair value measurements have generally been classified as Level 1 for core deposits, as the carrying value approximates fair value due to the short-term nature of the liabilities. All other deposits are considered to be Level 2.
NOTE 15. FAIR VALUE (continued)
Borrowings and other debt obligations
Fair value is estimated by discounting cash flows using rates currently available to the Company for other borrowings with similar terms and remaining maturities. Certain other debt obligation instruments are valued using available market quotes for similar instruments, which contemplates issuer default risk. The related fair value measurements have generally been classified as Level 2. A certain portion of debt, relating to revolving credit facilities, is classified as Level 3. Management believes that the terms of these credit agreements approximate market terms for similar credit agreements and, therefore, are considered to be Level 3.
Commitments to extend credit and standby letters of credit
Commitments to extend credit and standby letters of credit include the value of unfunded lending commitments and standby letters of credit as well as the recorded liability for probable losses. The Company’s pricing of such financial instruments is based largely on credit quality and relationship, probability of funding and other requirements. Loan commitments often have fixed expiration dates and contain termination and other clauses which provide relief from funding in the event of significant deterioration in the credit quality of the customer. The rates and terms of the Company’s loan commitments and letters of credit are competitive with other financial institutions operating in markets served by the Company.
The liability for probable losses is estimated by analyzing unfunded lending commitments and standby letters of credit for commercial customers and segregating by risk according to the Company's internal risk rating scale. These risk classifications, in conjunction with an analysis of historical loss experience, current economic conditions and performance trends within specific portfolio segments, and any other pertinent information, result in the estimation of the reserve for probable losses.
These instruments and the related reserve are classified as Level 3. The Company believes that the carrying amounts, which are included in other liabilities, are reasonable estimates of the fair value of these financial instruments.
Fair Value Option for Financial Assets and Financial Liabilities
Loans held for sale
The Company's LHFS portfolio primarily consists of residential mortgages. The Company adopted the fair value option on residential mortgage loans classified as held-for-sale, which allows the Company to record the mortgage loan held-for-sale portfolio at fair market value compared to the lower of cost, net of deferred fees, deferred origination costs, or market. The Company economically hedges its residential LHFS portfolio, which are reported at fair value. A lower of cost or market accounting treatment would not allow the Company to record the excess of the fair market value over book value, but would require the Company to record the corresponding reduction in value on the hedges. Both the loans and related hedges are carried at fair value, which reduces earnings volatility, as the amounts more closely offset.
Retail installment contracts held for investment
To reduce accounting and operational complexity, the Company elected the fair value option for certain of its retail installment contracts held for investment in connection with the SCUSA Change in Control. These loans consisted of all of SCUSA’s retail installment contracts accounted for by SCUSA under ASC 310-30 as well as all of SCUSA’s retail installment contracts that were more than 60 days past due at the date of the Change in Control which collectively had an aggregate outstanding unpaid principal balance of $2.6 billion with a fair value of $1.9 billion at the date of the Change in Control.
NOTE 15. FAIR VALUE (continued)
The following table summarizes the difference between the fair value and the principal balance for residential mortgage loans and retail installment contracts measured at fair value as of March 31, 2014.
		Fair Value				Aggregate Unpaid Principal Balance				Difference
		(in thousands)
Residential mortgage loans held for sale		$	78,995			$	78,192			$	803
Nonaccrual loans		—				—				—
Retail installment contracts held for investment		$	1,516,353			$	2,034,155			$	(517,802	)
Nonaccrual loans		116,283				259,892				(143,609		)
Interest income on the Company’s residential mortgage LHFS and retail installment contracts held for investment is recognized when earned based on their respective contractual rates in Interest Income on Loans in the Condensed Consolidated Statements of Operations. The accrual of interest is discontinued and reversed once the loans become more than 90 days past due for residential mortgage LHFS and more than 60 days past due for retail installment contracts held for investment.
Residential MSRs
The Company elected to account for its existing portfolio of residential MSRs at fair value. This election created greater flexibility with regards to any ongoing decisions relating to risk management of the asset by mitigating the effects of changes to the residential MSRs' fair value through the use of risk management instruments.
The Company's residential MSRs had an aggregate fair value of $134.8 million at March 31, 2014. Changes in fair value totaling a loss of $4.5 million were recorded in net mortgage banking income in the Condensed Consolidated Statement of Operations during the three-month period ended March 31, 2014.

BUSINESS_SEGMENT_INFORMATION

BUSINESS SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2014
Segment Reporting [Abstract]	'
BUSINESS SEGMENT INFORMATION	'
	BUSINESS SEGMENT INFORMATION
	Business Segment Products and Services
	The Company’s reportable segments are focused principally around the customers the Bank and SCUSA serve. The Company has identified the following reportable segments:
	•	The Retail Banking segment is primarily comprised of branch locations and residential mortgage business. The branches are responsible for attracting deposits through a variety of demand and negotiable order of withdrawal ("NOW") accounts, money market and savings accounts, CDs and retirement savings products. The branch locations also offer consumer loans such as home equity loans and lines of credit, as well as business banking and small business loans to individuals. Santander Universities, which provides grants and scholarships to universities and colleges around the globe as a way to foster education through research, innovation and entrepreneurship, is the last component of the Retail Banking segment.
	•	The Auto Finance & Alliances segment currently provides indirect consumer leasing as well as commercial loans to dealers.
	•	The Investment Services segment offers annuities, mutual funds, managed monies, and insurance products and acts as an investment brokerage agent to the customers of the Retail reporting unit. Currently, annuities comprise the majority of the assets under management.
	NOTE 16. BUSINESS SEGMENT INFORMATION (continued)
	•	The Real Estate & Commercial Banking segment offers commercial real estate loans, multi-family loans, commercial loans, and the Bank's related commercial deposits.
	•	The Specialty & Government Banking segment provides financing and deposits for government entities and niche product financing for specific industries, including oil and gas, commercial equipment financing, and mortgage warehousing, among others.
	•	The GBM & Large Corporate Banking segment serves the needs of global commercial and institutional customers by leveraging the international footprint of the Santander group to provide financing and banking services to corporations with over $500 million in annual revenues. GBM's offerings and strategy are based on Santander's local and global capabilities in wholesale banking.
	•	SCUSA is a full-service, technology-driven consumer finance company focused on vehicle finance and unsecured consumer lending products. Prior to the closing of the IPO in January 2014, the Company accounted for its investment in SCUSA under the equity method. Following the closing of the IPO, the Company consolidated the financial results of SCUSA in the Company’s condensed financial statements effective January 28, 2014. Accordingly following the Change in Control, the segment performance in the first quarter of 2014 is reflective of the consolidated results inclusive of the results attributable to 39% non-controlling interest. Results presented for the first quarter of 2013 are reflective of the 65% equity method investment and therefore may not be directly comparable.
	The Other category includes earnings from the investment portfolio, interest from the non-strategic assets portfolio, interest expense on the Company's borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses.
	For segment reporting purposes, SCUSA continues to be managed as a separate business unit. The Company’s segment results, excluding SCUSA, are derived from the Company’s business unit profitability reporting system by specifically attributing managed balance sheet assets, deposits and other liabilities and their related interest income or expense to each of the segments. Funds transfer pricing methodologies are utilized to allocate a cost for funds used or a credit for funds provided to business line deposits, loans and selected other assets using a matched funding concept. The methodology includes a liquidity premium adjustment, which considers an appropriate market participant spread for commercial loans and deposits by analyzing the mix of borrowings available to the Company with comparable maturity periods.
	Other income and expenses are managed directly by each business line, including fees, service charges, salaries and benefits, and other direct expenses, as well as certain allocated corporate expenses, and are accounted for within each segment’s financial results. Accounting policies for the lines of business are the same as those used in preparation of the Condensed Consolidated Financial Statements with respect to activities specifically attributable to each business line. However, the preparation of business line results requires management to establish methodologies to allocate funding costs and benefits, expenses and other financial elements to each line of business. Where practical, the results are adjusted to present consistent methodologies for the segments.
	The application and development of management reporting methodologies is a dynamic process and is subject to periodic enhancements. The implementation of these enhancements to the internal management reporting methodology may materially affect the results disclosed for each segment with no impact on consolidated results. Whenever significant changes to management reporting methodologies take place, prior period information is reclassified wherever practicable.
	During the third quarter of 2013, certain management and business line changes were announced which were effective for reporting purposes during the fourth quarter. Prior period results have been recast to conform to the new composition of the reportable segments.
	NOTE 16. BUSINESS SEGMENT INFORMATION (continued)
	Certain segments previously deemed quantitatively significant no longer met the threshold and have been combined with the Other category as of March 31, 2014. Prior period results have been recast to conform to the new composition of the reportable segment.
	During the first quarter of 2014, certain management and business line changes were announced, which will be effective for reporting purposes during the second quarter of 2014. Management is in the process of determining the impact of the changes on the Company’s reportable segments.
	Results of Segments
	The following tables present certain information regarding the Company’s segments. Dollars in thousands.
	For the Three-Month Period Ended	SHUSA excluding SCUSA													Non-GAAP measure (4)
	March 31, 2014	Retail Banking	Auto Finance & Alliances		Investment Services	Real Estate & Commercial Banking		Specialty & Government Banking		GBM & Large Corporate Banking		Other(2)			SCUSA (3)	SCUSA Purchase Price Adjustments		Eliminations		Total
	Net interest income	215,506	7,157		1	105,413		23,111		41,555		(9,694	)		1,062,202	70,991		(344,137	)	1,172,105
	Total non-interest income	74,433	5,939		12,985	22,771		3,264		22,427		28,074			239,599	83,228		(60,003	)	432,717
	Gain on change in control	—	—		—	—		—		—		—			—	2,428,539		—		2,428,539
	Provision/(release) for credit losses	9,210	(1,247	)	—	4,495		1,414		2,438		(16,310	)		698,579	(137,794	)	(225,455	)	335,330
	Total expenses	237,462	7,940		9,461	38,519		8,727		16,194		133,325			473,715	90,549		(245,611	)	770,281
	Income/(loss) before income taxes	43,267	6,403		3,525	85,170		16,234		45,350		(98,635	)		129,507	2,630,003		66,926		2,927,750
	Intersegment (expense)/ revenue(1)	65,051	(1,090	)	1	(88,515	)	1,845		(9,076	)	31,784			—	—		—		—
	Total average assets	18,795,973	1,184,957		960	20,756,002		2,782,206		8,438,934		26,105,791			27,643,575	—		(8,928,268	)	96,780,130
	-1	Intersegment revenue/ (expense) represents charges or credits for funds used or provided by each of the segments and is included in net interest income.
	-2	Other is not considered a segment and includes earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses.
	-3	Management of SHUSA manages SCUSA by analyzing the pre-Change in Control results of SCUSA as disclosed in this column.
	-4	Purchase Price Adjustments represents the impact that SCUSA purchase marks had on the results of SCUSA included within the consolidated operations of SHUSA, while eliminations adjust for the one month that SHUSA accounted for SCUSA as an equity method investment and eliminate intercompany transactions.
	NOTE 16. BUSINESS SEGMENT INFORMATION (continued)
	For the Three-
	Month Period
	Ended
	March 31, 2013	Retail Banking	Auto Finance		Investment Services	Real Estate & Commercial Banking		Specialty & Government Banking		GBM & Large Corporate Banking		Other(2)		Equity method investment in SCUSA		Total
			& Alliances
	Net interest income	184,283	3,959		1	95,893		23,690		40,721		47,471		—		396,018
	Total non-interest income	96,771	228		10,829	25,374		2,682		25,305		70,110		188,521		419,820
	Provision/(release) for credit losses	47,697	(335	)	—	(15,895	)	30		5,477		(20,124	)	—		16,850
	Total expenses	213,623	546		8,093	36,047		7,076		12,622		132,813		—		410,820
	Income/(loss) before income taxes	19,734	3,976		2,737	101,115		19,266		47,927		4,892		188,521		388,168
	Intersegment revenue/(expense)(1)	17,905	(895	)	1	(97,806	)	(130	)	(12,661	)	93,586		—		—
	Total average assets	20,619,141	712,540		1,689	20,009,717		2,578,293		8,520,883		31,931,711		—		84,373,974
	-1	Intersegment revenue/ (expense) represents charges or credits for funds used or provided by each of the segments and are included in net interest income.
	-2	Other is not considered a segment and includes earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses.
	NON-GAAP FINANCIAL MEASURES
	The Chief Operating Decision Maker manages SCUSA on a historical basis by reviewing the results of SCUSA on a pre-Change in Control basis. The Results of Segments table discloses SCUSA operating information on the same basis that it is reviewed by the SHUSA Chief Operating Decision Maker as defined by ASC 280, Segment Reporting. In order to reconcile to SCUSA's U.S. GAAP results, purchase price adjustments and accounting for SCUSA as an equity method investment must be accounted for. The Company's non-GAAP information has limitations as an analytical tool, and the reader should not consider it in isolation, or as a substitute for analysis of our results or any performance measures under U.S. GAAP as set forth in our financial statements. The reader should compensate for these limitations by relying primarily on our U.S. GAAP results and using this non-GAAP information only as a supplement to evaluate the Company's performance.

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	3 Months Ended
	Mar. 31, 2014
Related Party Transactions [Abstract]	'
RELATED PARTY TRANSACTIONS	'
	RELATED PARTY TRANSACTIONS
	The Company has various debt agreements with Santander. For a listing of these debt agreements, see Note 10 to the Consolidated Financial Statements of the Company's Annual Report on Form 10-K for the year ended December 31, 2013. The Company and its affiliates also entered into or were subject to various service agreements with Santander and its affiliates. Each of these agreements was made in the ordinary course of business and on market terms. A list and description of these agreements can be found in Note 20 to the Consolidated Financial Statements of the Company's Annual Report on Form 10-K for the year ended December 31, 2013.

BASIS_OF_PRESENTATION_AND_ACCO1

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2014
Accounting Policies [Abstract]	'
Basis of Presentation	'
	Basis of Presentation
	These Condensed Consolidated Financial Statements include the accounts of the Company and its subsidiaries, including its principal subsidiary, the Bank, and certain special purpose financing trusts utilized in financing transactions which are considered variable interest entities ("VIEs"). The Company consolidates other VIEs for which it is deemed the primary beneficiary. The Condensed Consolidated Financial Statements have been prepared by the Company, without audit, pursuant to SEC regulations. All intercompany balances and transactions have been eliminated in consolidation. Certain information and footnote disclosures normally included in the Condensed Consolidated Financial Statements, prepared in conformity with accounting principles generally accepted in the United States (“GAAP”), have been omitted pursuant to such regulations. Additionally, where applicable, the Company's accounting policies conform to the accounting and reporting guidelines prescribed by bank regulatory authorities. However, in the opinion of management, the accompanying unaudited Condensed Consolidated Financial Statements reflect all adjustments of a normal and recurring nature necessary to present fairly the Condensed Consolidated Balance Sheets, Statements of Operations, Statements of Comprehensive Income, Statement of Stockholder's Equity and Statements of Cash Flows for the periods indicated, and contain adequate disclosure to make the information presented not misleading.
Consolidation	'
	Consolidation
	The Condensed Consolidated Financial Statements include voting rights entities or VIEs in which the Company has a controlling financial interest. In accordance with the applicable accounting guidance for consolidations, the Company consolidates a VIE if the Company is considered to be the primary beneficiary because it has: (i) a variable interest in the entity; (ii) the power to direct activities of the VIE that most significantly impact the entity's economic performance; and (iii) the obligation to absorb losses of the entity or the right to receive benefits from the entity that could potentially be significant to the VIE. Variable interests can include equity interests, subordinated debt, derivative contracts, leases, service agreements, guarantees, standby letters of credit, loan commitments, and other contracts, agreements and financial instruments.
	The Company uses the equity method to account for unconsolidated investments in voting rights entities if the Company has influence over the entity's operating and financing decisions but does not maintain a controlling financial interest. Unconsolidated investments in voting rights entities or VIEs in which the Company has a voting or economic interest of less than 20% generally are carried at cost. These investments are included in "Equity method investments" on the Condensed Consolidated Balance Sheet, and the Company's proportionate share of income or loss is included in "Equity method investments" within the Consolidated Statements of Operations.
Business Combinations	'
	Business Combinations
	The Company records the identifiable assets acquired, the liabilities assumed, and any noncontrolling interests of companies that are acquired at their estimated fair value at the date of acquisition, and includes the results of operations of the acquired companies in the Condensed Consolidated Statement of Operations from the date of acquisition. The Company recognizes, as goodwill, the excess of the acquisition price over the estimated fair value of the net assets acquired. As discussed above, the Company has accounted for its acquisition of SCUSA as a business combination. See Note 3 for a detailed discussion of this transaction.
Use of Estimates	'
	Use of Estimates
	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. The most significant estimates pertain to consolidation, fair value measurements, allowance for loan losses and reserve for unfunded lending commitments, estimates of expected residual values of leased vehicles subject to operating leases, goodwill, derivatives and hedge activities, and income taxes. Actual results may differ from the estimates, and the differences may be material to the Condensed Consolidated Financial Statements.
Subsequent Events	'
	Subsequent Events
	All material events that occurred after the date of the Condensed Consolidated Financial Statements and before the Condensed Consolidated Financial Statements were issued have been either recognized in the Condensed Consolidated Financial Statements or disclosed in the Notes to the Condensed Consolidated Financial Statements.
	The Company evaluated events from the date of the Condensed Consolidated Financial Statements on March 31, 2014 through the issuance of these Condensed Consolidated Financial Statements and has determined that there have been no material events that would require recognition in its Condensed Consolidated Financial Statements or disclosure in the Notes to the Condensed Consolidated Financial Statements.
Revenue Recognition	'
	Revenue Recognition
	The Company earns interest and non-interest income from various sources, including:
	•	Lending
	•	Investment securities
	•	Customer deposit fees
	•	Bank owned life insurance ("BOLI")
	•	Loan sales and servicing
	•	Securities and derivatives trading activities, including foreign exchange transactions
	•	Leases
	The principal source of revenue is interest income from loans and investment securities. Interest income is recognized on an accrual basis primarily according to non-discretionary formulas in written contracts, such as loan agreements or securities contracts. Revenue earned on interest-earning assets, including unearned income and the accretion of discounts recognized on acquired or purchased loans, is recognized based on the constant effective yield of such interest-earning assets. Unearned income pertains to the net of fees collected and certain costs incurred from loan originations.
	Revenue on leases is generated through monthly lease payments and fees.
	Gains or losses on sales of investment securities are recognized on the trade date.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	The Company recognizes revenue from servicing commercial mortgages and consumer loans as earned. Mortgage banking revenue/(expense) includes fees associated with servicing loans for third parties based on the specific contractual terms and changes in the fair value of mortgage servicing rights (“MSRs”). Gains or losses on sales of residential mortgage, multi-family and home equity loans are included within mortgage banking revenues and are recognized when the sale is complete.
	Service charges on deposit accounts are recognized when earned.
	Income from BOLI represents increases in the cash surrender value of the policies, as well as insurance proceeds and interest.
	Income from finance leases is recognized as part of interest income over the term of the lease using the constant effective yield method; while arising from operating leases is recognized as part of other non-interest income over the term of the lease on a straight-line basis.
Fair Value Measurements	'
	Fair Value Measurements
	The Company values assets and liabilities based on the principal market in which each would be sold (in the case of assets) or transferred (in the case of liabilities). The principal market is the forum with the greatest volume and level of activity. In the absence of a principal market, valuation is based on the most advantageous market. In the absence of observable market transactions, the Company considers liquidity valuation adjustments to reflect the uncertainty in pricing the instruments. The fair value of a financial asset is measured on a stand-alone basis and cannot be measured as a group, with the exception of certain financial instruments held and managed on a net portfolio basis. In measuring the fair value of a nonfinancial asset, the Company assumes the highest and best use of the asset by a market participant - not just the intended use - to maximize the value of the asset. The Company also considers whether any credit valuation adjustments are necessary based on the counterparty's credit quality.
	When measuring the fair value of a liability, the Company assumes that the transfer will not affect the nonperformance risk associated with the liability. The Company considers the effect of the credit risk on the fair value for any period in which fair value is measured. There are three acceptable techniques for measuring fair value: the market approach, the income approach and the cost approach. Selecting the appropriate technique for valuing a particular asset or liability depends on the exit price of the asset or liability being valued, and how a market participant would value the same asset or liability. Ultimately, selecting the appropriate valuation method requires significant judgment.
	Valuation inputs refer to the assumptions market participants would use in pricing a given asset or liability. Inputs can be observable or unobservable. Observable inputs are assumptions based on market data obtained from an independent source. Unobservable inputs are assumptions based on the Company's own information or assessment of assumptions used by other market participants in pricing the asset or liability. The unobservable inputs are based on the best and most current information available on the measurement date.
Cash and Cash Equivalents	'
	Cash and Cash Equivalents
	Cash and cash equivalents include cash and amounts due from depository institutions, interest-bearing deposits in other banks, federal funds sold, and securities purchased under agreements to resell. Cash and cash equivalents have maturities of three months or less, and, accordingly, the carrying amount of these instruments is deemed to be a reasonable estimate of fair value. As of March 31, 2014, the Company has maintained balances in various operating and money market accounts in excess of federally insured limits.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	Cash deposited to support securitization transactions, lockbox collections, and related required reserve accounts are recorded in the Company's Condensed Consolidated Balance Sheet as of March 31, 2014 as restricted cash. Excess cash flows generated by securitization trusts (the "Trusts") are added to the restricted cash reserve account, creating additional over-collateralization until the contractual securitization requirement has been reached. Once the targeted reserve requirement is satisfied, additional excess cash flows generated by the Trusts are released to the Company as distributions from the Trusts. Lockbox collections are added to restricted cash and released when transferred to the appropriate warehouse line of credit or Trust. The Company also maintains restricted cash primarily related to cash posted as collateral related to derivative agreements and cash restricted for investment purposes.
Investment Securities and Other Investments	'
	Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment (“OTTI”). The Company conducts a comprehensive security-level impairment assessment quarterly on all securities in an unrealized loss position to determine whether the loss represents OTTI. The assessment considers the security structure, recent security collateral performance metrics, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment and expectations of future performance, and relevant independent industry research, analysis and forecasts. The Company also considers the severity of the impairment in its assessment. In the event of a credit loss, the credit component of the impairment is recognized within non-interest income, and the non-credit component is recognized through accumulated other comprehensive income.
	Realized gains and losses on sales of investments securities are included in earnings as part of non-interest income.
	Other investments include the Company's investment in the stock of the Federal Home Loan Bank ("FHLB") of New York, Pittsburgh and Boston and debentures of the FHLB, the Federal National Mortgage Association (“FNMA”), and the Federal Home Loan Mortgage Corporation (“FHLMC”). Although FHLB stock is an equity interest in an FHLB, it does not have a readily determinable fair value, because its ownership is restricted and it is not readily marketable. FHLB stock can be sold back only at its par value of $100 per share and only to FHLBs or to another member institution. Accordingly, FHLB stock is carried at cost. The Company evaluates this investment for impairment on the ultimate recoverability of the par value rather than by recognizing temporary declines in value.
	Investment Securities and Other Investments
	Investment securities that the Company has the intent and ability to hold to maturity are classified as held-to-maturity and reported at amortized cost. Securities expected to be held for an indefinite period of time are classified as available-for-sale and are carried at fair value, with temporary unrealized gains and losses reported as a component of accumulated other comprehensive income within stockholder's equity, net of estimated income taxes.
Loans held for investment	'
	Retail installment contracts and Personal unsecured loans
	Included in loans held for investment are retail installment contracts and personal unsecured loans that were acquired from the Change in Control of SCUSA and which the Company intends to hold for a foreseeable future or until maturity. Retail installment contracts consist largely of nonprime automobile finance receivables that are acquired individually from dealers at a nonrefundable discount. Retail installment contracts also include receivables originated through a direct lending program and loan portfolios purchased from other lenders. Personal unsecured loans include both revolving and amortizing term finance receivables acquired individually and also include private label revolving lines of credit.
	Pre-Change in Control Retail installment contracts and Personal unsecured loans and Allowance for Loan Losses
	As discussed above, the Company has accounted for its consolidation of SCUSA as a business combination. The retail installment contracts and personal unsecured loans were adjusted to fair value and their related allowance for loan losses that existed as of the Change in Control were eliminated. The portfolio acquired included performing loans as well as those loans acquired with evidence of credit deterioration (defined as those on non-accrual status at the time of the acquisition). All of SCUSA’s performing retail installment contracts and personal unsecured loans that are held for investment were recorded by the Company at a discount. Subsequent to the Change in Control, the purchase discounts on the retail installment loans will be accreted over the remaining expected lives of the loans to their par values using the interest method, while the purchase discount on the personal unsecured loans given their revolving nature will be amortized on a straight-line basis over 12 months. The Company assesses the collectability of the recorded investment in the retail installment contracts and personal unsecured loans on a collective basis quarterly and determines allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the portfolio. The Company recognizes an allowance for loan loss through charge to provision expense when the recorded investment amounts would exceed unpaid principal balances net of estimated incurred losses.
	The Company has irrevocably elected to account for retail installment contracts acquired with evidence of credit deterioration at the Change in Control date at fair value in accordance with ASC 825. Accordingly, the Company will not recognize interest income
	Loans held for investment
	Loans held for investment include commercial and consumer loans originated by the Company as well as retail installment and personal unsecured loans acquired in connection with Change in Control.
	Loans held for investment Pre Change in Control
	Loans held for investment are reported net of loan origination fees, direct origination costs and discounts and premiums associated with purchased loans and unearned income. Interest on loans is credited to income as it is earned. Loan origination fees and certain direct loan origination costs are deferred and recognized as adjustments to interest income in the Condensed Consolidated Statements of Operations over the contractual life of the loan utilizing the effective interest rate method. Premiums and discounts associated with loans purchased by the Bank are deferred and amortized as adjustments to interest income utilizing the effective interest rate method using estimated prepayment speeds, which are updated on a quarterly basis. Interest income is not recognized on loans when the loan payment is 90 days or more delinquent for commercial loans and consumer loans, including credit cards, or sooner if management believes the loan has become impaired. Credit cards are charged off when they are 180 days delinquent or within 60 days after the receipt of notification of the cardholder’s death or bankruptcy.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	A loan is determined to be non-accrual when it is probable that scheduled payments of principal and interest will not be received when due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, all accrued yet uncollected interest is reversed from income. When the collectability of the recorded loan balance of a nonaccrual loan is in doubt, any cash payments received from the borrower are applied first to reduce the carrying value of the loan. Otherwise, interest income may be recognized to the extent cash is received. Generally, a nonaccrual loan is returned to accrual status when all delinquent interest and principal become current under the terms of the loan agreement and the collectability of remaining principal and interest is no longer doubtful. Interest income recognition resumes for nonaccrual loans that were accounted for on a cash basis method when they returned to accrual status, while interest income that was previously recorded as reduction in the carrying value of the loan would be recognized as interest income based on the effective yield to maturity on the loan.
	Retail installment contracts and Personal unsecured loans
	Included in loans held for investment are retail installment contracts and personal unsecured loans that were acquired from the Change in Control of SCUSA and which the Company intends to hold for a foreseeable future or until maturity. Retail installment contracts consist largely of nonprime automobile finance receivables that are acquired individually from dealers at a nonrefundable discount. Retail installment contracts also include receivables originated through a direct lending program and loan portfolios purchased from other lenders. Personal unsecured loans include both revolving and amortizing term finance receivables acquired individually and also include private label revolving lines of credit.
	Pre-Change in Control Retail installment contracts and Personal unsecured loans and Allowance for Loan Losses
	As discussed above, the Company has accounted for its consolidation of SCUSA as a business combination. The retail installment contracts and personal unsecured loans were adjusted to fair value and their related allowance for loan losses that existed as of the Change in Control were eliminated. The portfolio acquired included performing loans as well as those loans acquired with evidence of credit deterioration (defined as those on non-accrual status at the time of the acquisition). All of SCUSA’s performing retail installment contracts and personal unsecured loans that are held for investment were recorded by the Company at a discount. Subsequent to the Change in Control, the purchase discounts on the retail installment loans will be accreted over the remaining expected lives of the loans to their par values using the interest method, while the purchase discount on the personal unsecured loans given their revolving nature will be amortized on a straight-line basis over 12 months. The Company assesses the collectability of the recorded investment in the retail installment contracts and personal unsecured loans on a collective basis quarterly and determines allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the portfolio. The Company recognizes an allowance for loan loss through charge to provision expense when the recorded investment amounts would exceed unpaid principal balances net of estimated incurred losses.
	The Company has irrevocably elected to account for retail installment contracts acquired with evidence of credit deterioration at the Change in Control date at fair value in accordance with ASC 825. Accordingly, the Company will not recognize interest income for these retail installment contracts and will recognize the fair value adjustments of these loans as part of other non-interest income in the Company’s Condensed Consolidated Statement of Operations. For certain of the retail installment contracts which the Company has elected to account at fair value but are not considered non-accruals, the Company will separately recognize interest income from the total fair value adjustment. No allowance for loan losses will be recognized for loans that the Company has elected to account for at fair value.
	Post-Change in Control Retail installment contracts and Personal unsecured loans and Allowance for Loan Losses
	Finance receivables originated since the Change in Control are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in our post acquisition finance receivables.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	Interest from these loans is accrued when earned in accordance with the terms of the retail installment contracts. The accrual of interest is discontinued and reversed once a retail installment contract becomes more than 60 days past due, and is resumed if a delinquent account subsequently becomes 60 days or less past due. Unsecured revolving and term loans continue to accrue interest until they are 180 and 120 days past due, respectively, at which point they are charged off and interest is removed from interest income.
	Trouble debt restructurings
	Troubled debt restructurings (“TDRs”) are loans that have been modified whereby the Company has agreed to make certain concessions to customers to both meet the needs of the customers and maximize the ultimate recovery of the loan. TDRs occur when a borrower is experiencing, or is expected to experience, financial difficulties and the loan is modified involving a concession that would otherwise not be granted to the borrower. TDRs are generally placed on non-accrual status until the Company believes repayment under the revised terms is reasonably assured and a sustained period of repayment performance has been achieved (typically defined as six months for a monthly amortizing loan). All costs incurred by the Company in connection with a TDR are expensed as incurred. The TDR classification remains on the loan until it is paid in full or liquidated.
	Impaired loans are defined as all TDRs plus non-accrual commercial loans in excess of $1 million as of the balance sheet date. The Company also considers all individually acquired retail installment contracts that have been modified at least once, deferred for a period of 90 days or more, or deferred at least twice during the period as TDRs. In addition, the Company may perform a specific reserve analysis on loans that fail to meet this threshold if the nature of the collateral or business conditions warrant. As of March 31, 2014, the Company is performing a specific reserve analysis on certain loans within the Corporate Banking and remaining commercial classes of financing receivables, regardless of loan size.
	The Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that, as a practical expedient, the Company may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is a collateral-dependent loan.
	A loan is considered to be impaired when, based upon current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan. An insignificant delay (e.g., less than 61 days for retail installment contracts or less than 90 days for all of the Company's other loans) or insignificant shortfall in amount of payments does not necessarily result in the loan being identified as impaired.
Troubled Debt Restructurings	'
	Trouble debt restructurings
	Troubled debt restructurings (“TDRs”) are loans that have been modified whereby the Company has agreed to make certain concessions to customers to both meet the needs of the customers and maximize the ultimate recovery of the loan. TDRs occur when a borrower is experiencing, or is expected to experience, financial difficulties and the loan is modified involving a concession that would otherwise not be granted to the borrower. TDRs are generally placed on non-accrual status until the Company believes repayment under the revised terms is reasonably assured and a sustained period of repayment performance has been achieved (typically defined as six months for a monthly amortizing loan). All costs incurred by the Company in connection with a TDR are expensed as incurred. The TDR classification remains on the loan until it is paid in full or liquidated.
	Impaired loans are defined as all TDRs plus non-accrual commercial loans in excess of $1 million as of the balance sheet date. The Company also considers all individually acquired retail installment contracts that have been modified at least once, deferred for a period of 90 days or more, or deferred at least twice during the period as TDRs. In addition, the Company may perform a specific reserve analysis on loans that fail to meet this threshold if the nature of the collateral or business conditions warrant. As of March 31, 2014, the Company is performing a specific reserve analysis on certain loans within the Corporate Banking and remaining commercial classes of financing receivables, regardless of loan size.
	The Company measures impairment based on the present value of expected future cash flows discounted at the loan's effective interest rate, except that, as a practical expedient, the Company may measure impairment based on a loan's observable market price, or the fair value of the collateral if the loan is a collateral-dependent loan.
	A loan is considered to be impaired when, based upon current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan. An insignificant delay (e.g., less than 61 days for retail installment contracts or less than 90 days for all of the Company's other loans) or insignificant shortfall in amount of payments does not necessarily result in the loan being identified as impaired.
	Commercial Loan TDRs
	All of the Company’s commercial loan modifications are based on the circumstances of the individual customer, including specific customers' complete relationship with the Company. Loan terms are modified to meet each borrower’s specific circumstances at a point in time. Modifications for commercial loan TDRs generally, although not always, result in bifurcation of the original loan into A and B notes. The A note is restructured to allow for upgraded risk rating and return to accrual status after a sustained period of payment performance has been achieved (typically six months for monthly payment schedules). The B note, if any, is structured as a deficiency note; the balance is charged off but the debt is usually not forgiven. As TDRs, they will be subject to analysis for specific reserves by either calculating the present value of expected future cash flows or, if collateral-dependent, calculating the fair value of the collateral less its estimated cost to sell. The TDR classification will remain on the loan until it is paid in full or liquidated.
	Consumer Loan TDRs
	The primary modification program for the Company’s residential mortgage and home equity portfolios is a proprietary program designed to keep customers in their homes and, when appropriate, prevent them from entering into foreclosure. The program is available to all customers facing a financial hardship regardless of their delinquency status. The main goal of the modification program is to review the customer’s entire financial condition to ensure that the proposed modified payment solution is affordable according to a specific debt-to-income ratio (“DTI”) range. The main modification benefits of the program allow for term extensions, interest rate reductions, or deferment of principal. The Company reviews each customer on a case-by-case basis to determine which benefit or combination of benefits will be offered to achieve the target DTI range.
	For the Company’s other consumer portfolios the terms of the modifications generally include one or a combination of the following: a reduction of the stated interest rate of the loan at a rate of interest lower than the current market rate for new debt with similar risk or an extension of the maturity date.
	Consumer TDRs are generally placed on non-accrual status until the Company believes repayment under the revised terms is reasonably assured and a sustained period of repayment performance has been achieved (typically six months for a monthly amortizing loan). Any loan that has remained current for the six months immediately prior to modification will remain on accrual status after the modification is enacted. Exceptions to this policy include retail installment contracts, which may begin accruing as soon as they are made current by the borrower. The TDR classification will remain on the loan until it is paid in full or liquidated for all portfolios
	In addition to those identified as TDRs above, the guidance also requires loans discharged under Chapter 7 bankruptcy to be considered TDRs and collateral-dependent, regardless of delinquency status. Collateral-dependent loans must be written down to fair market value and classified as non-accrual/non-performing for the remaining life of the loan.
	TDR Impact to Allowance for Loan Losses
	The allowance for loan losses is established to recognize losses inherent in funded loans intended to be held for investment that are probable and can be reasonably estimated. Prior to a TDR, the Company generally measures its allowance under a loss contingency methodology in which consumer loans with similar risk characteristics are pooled and loss experience information is monitored for credit risk and deterioration with statistical tools considering factors such as delinquency, LTVs and credit scores.
	Upon TDR modification, the Company generally measures impairment based on a present value of expected future cash flows methodology considering all available evidence using the effective interest rate or fair value of collateral. The amount of the required valuation allowance is equal to the difference between the loan’s impaired value and the recorded investment.
	When a consumer TDR subsequently defaults, the Company generally measures impairment based on the fair value of the collateral, if applicable, less its estimated cost to sell.
	Typically, commercial loans whose terms are modified in a TDR will have been identified as impaired prior to modification and accounted for generally using a present value of expected future cash flows methodology, unless the loan is considered collateral-dependent. Loans considered collateral-dependent are measured for impairment based on their fair values of collateral less its estimated cost to sell. Accordingly, upon TDR modification or if a TDR modification subsequently defaults, the allowance methodology remains unchanged.
Loans Held-for-Sale	'
	Loans Held-for-Sale
	Loans held-for-sale ("LHFS") are recorded at either estimated fair value (if the fair value option is elected) or the lower of cost or fair value. The Company has elected to account for residential real estate mortgages originated with the intent to sell at fair value. Generally, residential loans are valued on an aggregate portfolio basis, and commercial loans are valued on an individual loan basis. Gains and losses on LHFS which are accounted for at fair value are recorded in other non-interest income. Direct loan origination costs and fees are recorded in other non-interest income at origination. The fair value of LHFS is based on what secondary markets are currently offering for portfolios with similar characteristics, and related gains and losses are recorded in non-interest income. All other LHFS, including retail installment contracts which the Company does not have the intent and ability to hold for the foreseeable future or until maturity or payoff, are carried at the lower of cost or fair value. For LHFS recorded at the lower of cost or fair value, direct loan origination costs and fees are deferred at origination and are recognized in other non-interest income at the time of sale.
Allowance for Loan Losses and Reserve for Unfunded Lending Commitments	'
	In addition to the allowance for loan losses, management estimates probable losses related to unfunded lending commitments. Unfunded lending commitments for commercial customers are analyzed and segregated by risk according to the Company's internal risk rating scale. These risk classifications, in conjunction with an analysis of historical loss experience, current economic conditions and performance trends within specific portfolio segments, and any other pertinent information result in the estimation of the reserve for unfunded lending commitments. Additions to the reserve for unfunded lending commitments are made by charges to the Provision for credit losses, and this reserve is classified within Other liabilities on the Company's Condensed Consolidated Balance Sheets.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	Risk factors are continuously reviewed and revised by management when conditions warrant. A comprehensive analysis of the allowance for loan losses and reserve for unfunded lending commitments is performed by the Company on a quarterly basis. In addition, a review of allowance levels based on nationally published statistics is conducted on at least an annual basis.
	The factors supporting the allowance for loan losses and the reserve for unfunded lending commitments do not diminish the fact that the entire allowance for loan losses and the reserve for unfunded lending commitments are available to absorb losses in the loan portfolio and related commitment portfolio, respectively. The Company's principal focus, therefore, is on the adequacy of the total allowance for loan losses and reserve for unfunded lending commitments.
	The allowance for loan losses and the reserve for unfunded lending commitments are subject to review by banking regulators. The Company's primary bank regulators conduct examinations of the allowance for loan losses and reserve for unfunded lending commitments and make assessments regarding their adequacy and the methodology employed in their determination.
	Allowance for Loan Losses and Reserve for Unfunded Lending Commitments
	The allowance for loan losses and reserve for unfunded lending commitments, collectively referred to as the “Allowance for credit losses,” are maintained at levels that management considers adequate to provide for losses based upon an evaluation of known and inherent risks in the loan portfolio. Management's evaluation takes into consideration the risks inherent in the loan portfolio, past loan loss experience, specific loans with loss potential, geographic and industry concentrations, delinquency trends, economic conditions and other relevant factors. While management uses the best information available to make such evaluations, future adjustments to the allowance for credit losses may be necessary if conditions differ substantially from the assumptions used in making the evaluations.
	The allowance for loan losses consists of two elements: (i) an allocated allowance, which is comprised of allowances established on loans specifically evaluated for impairment and loans collectively evaluated for impairment based on historical loan loss experience adjusted for current trends and both general economic conditions and other risk factors in the Company's loan portfolios, and (ii) an unallocated allowance to account for a level of imprecision in management's estimation process. Reserve levels are collectively reviewed for adequacy and approved quarterly by Board-level committees.
	Management regularly monitors the condition of borrowers and assesses both internal and external factors in determining whether any relationships have deteriorated considering factors such as historical loss experience, trends in delinquency and non-performing loans, changes in risk composition and underwriting standards, experience and ability of staff and regional and national economic conditions and trends.
	For the commercial loan portfolio segment, the Company has specialized credit officers and workout units that identify and manage potential problem loans. Changes in management factors, financial and operating performance, company behavior, industry factors and external events and circumstances are evaluated on an ongoing basis to determine whether potential impairment is evident and additional analysis is needed. For the commercial loan portfolio segment, risk ratings are assigned to each loan to differentiate risk within the portfolio, and are reviewed on an ongoing basis by credit risk management and revised, if needed, to reflect the borrower's current risk profile and the related collateral positions. The risk ratings consider factors such as financial condition, debt capacity and coverage ratios, market presence and quality of management. Generally, credit officers reassess a borrower's risk rating on no less than an annual basis, and more frequently if warranted. This reassessment process is managed on a continual basis by the Credit Monitoring group to ensure consistency and accuracy in risk ratings as well as appropriate frequency of risk rating review by the Company's credit officers. The Company's Internal Audit group regularly performs loan reviews and assesses the appropriateness of assigned risk ratings. When a loan's risk rating is downgraded beyond a certain level, the Company's Workout Department becomes responsible for managing the credit risk. Risk rating actions are generally reviewed formally by one or more credit committees, depending on the size of the loan and the type of risk rating action being taken. Detailed analyses are completed that support the risk rating and management's strategies for the customer relationship going forward.
	The consumer loan portfolio segment and small business loans are monitored for credit risk and deterioration with statistical tools considering factors such as delinquency, loan-to-value ("LTV") ratio, and credit scores. The Bank evaluates the consumer portfolios throughout their life cycle on a portfolio basis. When problem loans are identified that are secured with collateral, management examines the loan files to evaluate the nature and type of collateral supporting the loans. Management documents the collateral type, date of the most recent valuation, and whether any liens exist, to determine the value to compare against the committed loan amount.
	For retail installment contracts and personal unsecured loans, the Company estimates the allowance for loan losses at a level considered adequate to cover probable credit losses inherent in the portfolio. Probable losses are estimated based on contractual delinquency status and historical loss experience, in addition to the Company’s judgment of estimates of the value of the underlying collateral, bankruptcy trends, economic conditions such as unemployment rates, changes in the used vehicle value index, delinquency status, historical collection rates and other information in order to make the necessary judgments as to probable loan losses.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	When the Company determines that the value of an impaired loan is less than its carrying amount, the Bank recognizes impairment through a provision estimate or a charge-off to the allowance. Management performs these assessments on at least a quarterly basis.
	For the commercial loan portfolio segment, a charge-off is recorded when a loan, or a portion thereof, is considered uncollectible and of such little value that its continuance on the Company's books as an asset is not warranted, as required by accounting and regulatory guidance. Charge-offs are recorded on a monthly basis and partially charged-off loans continue to be evaluated on not less than a quarterly basis, with additional charge-offs or loan loss provisions taken on the remaining loan balance, if warranted, utilizing the same criteria.
	Consumer loans (excluding auto loans and credit cards) and any portion of a consumer loan secured by a real estate mortgage not adequately secured are generally charged-off when deemed to be uncollectible or delinquent 180 days or more (120 days for closed-end consumer loans not secured by real estate), whichever comes first, unless it can be clearly demonstrated that repayment will occur regardless of the delinquency status. Factors that would demonstrate repayment include: a loan that is secured by collateral and is in the process of collection; a loan supported by a valid guarantee or insurance; or a loan supported by a valid claim against a solvent estate. Auto loans are charged off when an account becomes 121 days delinquent if the Company has not repossessed the related vehicle. The Company charges off accounts in repossession when the automobile is repossessed and legally available for disposition. Credit cards are charged off when they are 180 days delinquent or within 60 days after the receipt of notification of the cardholder’s death or bankruptcy.
	Retail installment contracts acquired individually are charged off when the account becomes 120 days past due if the Company has not repossessed the related vehicle. The Company charges off accounts in repossession when the automobile is repossessed and is legally available for disposition. A charge-off represents the difference between the estimated net sales proceeds and the outstanding amount of the delinquent contract. Accounts in repossession that have been charged off and are pending liquidation are removed from retail installment contracts and the related repossessed automobiles are included in other assets in the Company’s Condensed Consolidated Balance Sheets. Unsecured revolving and term loans are charged off when the account becomes 180 and 120 days past due, respectively.
	Within the consumer loan portfolio segment, for both residential and home equity loans, loss severity assumptions are incorporated into the loan loss reserve models to estimate loan balances that will ultimately charge-off. These assumptions are based on recent loss experience for six loan-to-value bands within the portfolios. Current loan-to-value ratios are updated based on movements in the state-level Federal Housing Finance Agency House Pricing Indexes.
	Additionally, the Company reserves for certain incurred, but undetected, losses within the loan portfolio. This is due to several factors such as, but not limited to, inherent delays in obtaining information regarding a customer's financial condition or changes in its unique business conditions and the interpretation of economic trends. While this analysis is conducted at least quarterly, the Company has the ability to revise the allowance factors whenever necessary in order to address improving or deteriorating credit quality trends or specific risks associated with a loan pool classification.
	Regardless of the extent of the Company's analysis of customer performance, portfolio evaluations, trends or risk management processes established, a level of imprecision will always exist due to the judgmental nature of loan portfolio and/or individual loan evaluations. The Company maintains an unallocated allowance to recognize the existence of these exposures.
Leases	'
	Leases
	The Company provides financing for various types of equipment, aircraft, energy and power systems, and automobiles through a variety of lease arrangements.
	Prior to the Change in Control, leased vehicles under operating leases were carried at amortized cost net of accumulated depreciation and any impairment charges and are presented as Leased Vehicles, net in the Company’s Condensed Consolidated Balance Sheets. As a result of the Change in Control, the assets acquired were adjusted to an estimated fair value. New originations of the operating leases will be recorded at amortized cost. The depreciation expense of the vehicles is recognized on a straight-line basis over the contractual term of the leases to the expected residual value. The expected residual value and, accordingly, the monthly depreciation expense may change throughout the term of the lease. The Company estimates expected residual values using independent data sources and internal statistical models that take into consideration economic conditions, current auction results, the Company’s remarketing abilities, and manufacturer vehicle and marketing programs.
	Lease payments due from customers are recorded as income within other non-interest income in the Company’s Condensed Consolidated Statement of Operations, unless and until a customer becomes more than 60 days delinquent, at which time the accrual of revenue is discontinued. The accrual is resumed and reinstated if a delinquent account subsequently becomes 60 days or less past due. Payments from the vehicle’s manufacturer under their subvention programs are recorded as reductions to the cost of the vehicle and are recognized as an adjustment to depreciation expense on a straight-line basis over the contractual term of the lease. The Company periodically evaluates its investment in operating leases for impairment if circumstances, such as a general decline in used vehicle values, indicate that impairment may exist.
	The Company’s investments in leases that are accounted for as direct financing leases are carried at the aggregate of lease payments plus estimated residual value of the leased property, less unearned income and are reported as part loans held for investment in the Company’s Condensed Consolidated Balance Sheets. Leveraged leases, a form of financing lease, are carried net of non-recourse debt. We recognize income over the term of the lease using the constant effective yield method.
	Under the accounting for impairment or disposal of long-lived assets, residual values of operating leases are evaluated individually for impairment. When aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased asset at the end of the lease, are less than the book value of the lease, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Otherwise, reductions in the expected residual value result in additional depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds. Gains or losses on the sale of leased assets are included in Other non-interest income, while valuation adjustments on lease residuals are included in Other non-interest expense.
Premises and Equipment	'
	Premises and Equipment
	Premises and equipment are carried at cost, less accumulated depreciation. Depreciation is calculated utilizing the straight-line method. Estimated useful lives are as follows:
	Office buildings		10 to 30 years
	Leasehold improvements(1)		10 to 30 years
	Software(2)		3 to 5 years
	Furniture, fixtures and equipment		3 to 10 years
	Automobiles		5 years
	(1)Leasehold improvements are depreciated over the shorter of the useful lives of the assets or the remaining term of the leases. The useful life of the leasehold improvements may be extended beyond the base term of the lease contract when the lease contract includes renewal option period(s) that are reasonably assured of being exercised at the date the leasehold improvements are purchased.  At no point does the depreciable life exceed the economic useful life of the leasehold improvement or the expected term of the lease contract.
	(2)Standard depreciable period for software is three years. However, for larger software implementation projects, a five-year period is utilized. For the 2012 information technology ("IT") transformation, the Company utilized a depreciable period of five years.
	Expenditures for maintenance and repairs are charged to Occupancy and Equipment expense in the Condensed Consolidated Statement of Operations as incurred.
Cost and Equity Method Investments	'
	Cost and Equity Method Investments
	For investments in limited partnerships, limited liability companies and other investments that are not required to be consolidated, the Company uses either the equity method or the cost method of accounting. The Company uses the equity method for general and limited partnership ownership interests, limited liability companies and other unconsolidated equity investments in which the Company is considered to have significant influence over the operations of the investee. Under the equity method, the Company records the equity ownership share of net income or loss of the investee in "Income/ (expense) from equity method investments". The Company uses the cost method for all other investments. Under the cost method, there is no change to the cost basis unless there is an other-than-temporary decline in value or dividends are received. If the decline is determined to be other-than temporary, the Company writes down the cost basis of the investment to a new cost basis that represents realizable value. The amount of the write-down is accounted for as a loss included in "Income/ (expense) from equity method investments". Distributions received from the income of an investee on cost method investments are included in "Income/ (expense) from equity method investments". Investments described above are included in the caption "Equity method investments" on the Condensed Consolidated Balance Sheet.
Goodwill	'
	Goodwill
	Goodwill is the excess of the purchase price over the fair value of the tangible and identifiable intangible assets and liabilities of companies acquired through business combinations accounted for under the acquisition method.
	Goodwill and other indefinite-lived intangible assets are not amortized on a recurring basis, but rather are subject to periodic impairment testing. Management performs an annual goodwill impairment test and whenever events occur or circumstances change that indicate the fair value of a reporting unit may be below its carrying value.
	NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued)
	The Company tests goodwill for impairment annually on October 1. The Company performed goodwill impairment testing as October 1, 2013 and concluded that goodwill was not impaired. For the quarter ending March 31, 2014, there were no indicators of impairment that resulted in the Company performing an impairment analysis.
Intangible Assets, excluding Goodwill	'
	Intangible Assets, excluding Goodwill
	The Company's intangible assets consist of assets purchased or acquired through business combinations, including trade names, dealer networks, IT platforms and systems, and core deposit intangibles. Certain intangible assets are amortized over their useful lives. The Company evaluates identifiable intangibles for impairment when an indicator of impairment exists, but not less than annually. Separable intangible assets that are not deemed to have an indefinite life continue to be amortized over their useful lives.
	Indefinite-lived intangible assets are not amortized on a recurring basis, but rather are subject to periodic impairment testing when an indicator of impairment exists, but not less than annually.
Mortgage Servicing Rights and Asset Securitizations	'
	Mortgage Servicing Rights
	Effective January 1, 2012, the Company elected to measure our residential MSRs at fair value. This election was made to be consistent with the risk management strategy to hedge changes in the fair value of these assets. The fair value of residential MSRs is estimated by using a cash flow valuation model which calculates the present value of estimated future net servicing cash flows, taking into consideration actual and expected mortgage loan prepayment rates, discount rates, servicing costs, and other economic factors which are determined based on current market conditions. Assumptions incorporated into the residential MSRs valuation model reflect management's best estimate of factors that a market participant would use in valuing the residential MSRs. Although sales of residential MSRs do occur, residential MSRs do not trade in an active market with readily observable prices.
	As a benchmark for the reasonableness of the residential MSRs fair value, opinions of value from independent parties (“Brokers”) are obtained. Brokers provide a range of values based upon their own discounted cash flow calculations of our portfolio that reflect conditions in the secondary market and any recently executed servicing transactions. Management compares the internally-developed residential MSR values to the ranges of values received from Brokers. If the residential MSRs fair value falls outside of the Brokers' ranges, management will assess whether a valuation adjustment is warranted. The residential MSRs value is considered to represent a reasonable estimate of fair value.
	Asset Securitizations
	The Company has historically securitized multi-family and commercial real estate loans, mortgage loans, home equity and other consumer loans, as well as automotive floor plan receivables that it originated and/or purchased from certain other financial institutions. After receivables or loans are securitized, the Company continues to maintain account relationships with its customers. The Company may provide administrative, liquidity facilities and/or other services to the resulting securitization entities, and may continue to service the financial assets sold to the securitization entity.
	If the securitization transaction meets the accounting requirements for deconsolidation and sale treatment, the securitized receivables or loans are removed from the balance sheet and a net gain or loss is recognized in income at the time of sale and each subsequent sale. Net gains or losses resulting from securitizations are recorded in non-interest income.
Bank Owned Life Insurance	'
	Bank Owned Life Insurance
	BOLI represents the cash surrender value of life insurance policies for certain current and former employees who have provided positive consent to allow the Bank to be the beneficiary of such policies. Increases in the net cash surrender value of the policies, as well as insurance proceeds received, are recorded in non-interest income, and are not subject to income taxes.
Other Real Estate Owned and Other Repossessed Assets	'
	Other Real Estate Owned and Other Repossessed Assets
	Other real estate owned (“OREO”) and other repossessed assets consist of properties and other assets acquired by, or in lieu of, foreclosure in partial or total satisfaction of non-performing loans. Assets obtained in satisfaction of a loan is recorded at the lower of cost or estimated fair value minus estimated costs to sell based upon the property's appraisal value at the date of transfer. The excess of the carrying value of the loan over the fair value of the property minus estimated costs to sell are charged to the allowance for loan losses at the initial measurement date. Subsequent to the acquisition date, OREO is carried at the lower of cost or fair value less estimated cost to sell. Any declines in the fair value of OREO below the initial cost basis are recorded through a valuation allowance with a charge to non-interest income. Increases in the fair value of the OREO net of estimated selling costs will reverse the valuation allowance, but only up to the cost basis which was established at the initial measurement date. Costs of holding the property are recorded as operating expenses, except for significant property improvements, which are capitalized to the extent that the carrying value does not exceed the estimated fair value.
Derivative Instruments and Hedging Activity	'
	Derivative Instruments and Hedging Activity
	The Company uses derivative financial instruments primarily to help manage exposure to interest rate, foreign exchange, equity and credit risk. Derivative financial instruments are also used to reduce the effects that changes in interest rates may have on net income, fair value of assets and liabilities, and cash flows. The Company also enters into derivatives with customers to facilitate their risk management activities.
	Derivative instruments designated in a hedge relationship to mitigate exposure to changes in the fair value of an asset, liability or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivative instruments designated in a hedge relationship to mitigate exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. The Company formally documents the relationships of certain qualifying hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking each hedge transaction.
	Fair value hedges that are highly effective are accounted for by recording the change in the fair value of the derivative instrument and the related hedged asset, liability or firm commitment on the Condensed Consolidated Balance Sheet, with the corresponding income or expense recorded in the Condensed Consolidated Statement of Operations. The adjustment to the hedged asset or liability is included in the basis of the hedged item, while the fair value of the derivative is recorded as an other asset or other liability. Actual cash receipts or payments and related amounts accrued during the period on derivatives included in a fair value hedge relationship are recorded as adjustments to the income or expense associated with the hedged asset or liability.
	Cash flow hedges that are highly effective are accounted for by recording the fair value of the derivative instrument on the Condensed Consolidated Balance Sheet as an asset or liability, with a corresponding charge or credit, net of tax, recorded in accumulated other comprehensive income within stockholder's equity in the accompanying Condensed Consolidated Balance Sheet. Amounts are reclassified from accumulated other comprehensive income to the Consolidated Statements of Operations in the period or periods the hedged transaction affects earnings. In the case in which certain cash flow hedging relationships have been terminated, the Company continues to defer the net gain or loss in accumulated other comprehensive income and reclassifies it into interest expense as the future cash flows occur, unless it becomes probable that the future cash flows will not occur.
	We discontinue hedge accounting when it is determined that the derivative no longer qualifies as an effective hedge; the derivative expires or is sold, terminated or exercised; the derivative is designated as a fair value or cash flow hedge; or, for a cash flow hedge, it is no longer probable that the forecasted transaction will occur by the end of the originally specified time period. If we determine that the derivative no longer qualifies as a fair value or cash flow hedge and hedge accounting is discontinued, the derivative will continue to be recorded on the balance sheet at its fair value, with changes in fair value included in current earnings. For a discontinued fair value hedge, the previously hedged item is no longer adjusted for changes
	in fair value.
	The portion of gains and losses on derivative instruments not considered highly effective in hedging the change in fair value or expected cash flows of the hedged item, or derivatives not designated in hedging relationships, are recognized immediately in the Condensed Consolidated Statement of Operations. See Note 10 to the Condensed Consolidated Financial Statements for further discussion.
Income Taxes	'
	Income Taxes
	The Company accounts for income taxes under the asset and liability method. Deferred taxes are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that will apply to taxable income in the years in which those temporary differences are expected to reverse or be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized as income or expense in the period that includes the enactment date.
	A valuation allowance will be established if the Company determines that it is more likely than not that a deferred tax asset will not be realized. This requires periodic reviews of the carrying amount of deferred tax assets and when the deferred tax assets will be realized in future periods. Consideration is given to all positive and negative evidence related to the realization of deferred tax assets. Items considered in this evaluation include historical financial performance, expectation of future earnings, the ability to carry back losses to recoup taxes previously paid, length of statutory carryforward periods, experience with operating loss and tax credit carryforwards not expiring unused, tax planning strategies and timing of reversals of temporary differences. Significant judgment is required in assessing future earnings trends and the timing of reversals of temporary differences. The Company's evaluation is based on current tax laws, as well as management's expectations of future performance.
	In establishing a provision for income tax expense, the Company must make judgments and interpretations about the application of inherently complex tax laws of the U.S. and its states and municipalities, as well as certain foreign countries. Actual income taxes paid may vary from estimates depending upon changes in income tax laws, actual results of operations, and the final audit of tax returns by taxing authorities. Tax assessments may arise several years after tax returns have been filed. The Company reviews its tax balances quarterly and, as new information becomes available, the balances are adjusted as appropriate. Interest and penalties on income tax payments are included within Income tax provision on the Consolidated Statements of Operations.
	The Company recognizes in its financial statements tax benefits from tax positions when it is more likely than not the position will be sustained upon examination by tax authorities. Such tax positions are initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon ultimate settlement with the tax authority, assuming full knowledge of the position and all relevant facts. See Note 11 of the Condensed Consolidated Financial Statements for details on the Company's income taxes.
Stock-Based Compensation	'
	Stock-Based Compensation
	The Company, through Santander, sponsors stock plans under which incentive and non-qualified stock options and non-vested stock may be granted periodically to certain employees. The Company recognizes compensation expense related to stock options and non-vested stock awards based upon the fair value of the awards on the date of the grant, adjusted for expected forfeitures, which is charged to earnings over the requisite service period (e.g., vesting period). Additionally, the Company estimates the number of awards for which it is probable that service will be rendered and adjusts compensation cost accordingly. Estimated forfeitures are subsequently adjusted to reflect actual forfeitures.
	The Company has also assumed several other stock-based arrangements in connection with the Change in Control. The Company was required to recognize stock option awards that were outstanding as of the Change in Control date at fair value. The portion of the fair value measurement of the share-based payments that is attributable to pre-business combination service is recognized as non-controlling interest and the portion relating to any remaining post business combination service is recognized as stock compensation expense over the remaining vesting period of the awards in the Company’s post business combination financial statements.
Recent Accounting Developments	'
	In February 2013, the FASB issued Accounting Standards Update (ASU) 2013-04, an update to ASC 405, "Liabilities." This ASU requires a company to measure obligations resulting from joint and several liability arrangements for which the total amount of the obligation within the scope of this guidance is fixed at the reporting date as the sum of (a) the amount the reporting entity agreed to pay on the basis of its arrangement among its co-obligors and (b) any additional amount the reporting entity expects to pay on behalf of its co-obligors. This ASU also requires a company to disclose the nature and amount of the obligations as well as other information about those obligations. The amendments to this update were effective January 1, 2014 for the Company and were applied retrospectively for all prior periods presented for those obligations resulting from joint and several liability arrangements within the update's scope that exist at the beginning of the Company's fiscal year of adoption. The implementation of this guidance did not have a significant impact on the Company's financial position or results of operations or disclosures.
	In July 2013, the FASB issued ASU 2013-10, an update to ASC 815, "Derivatives and Hedging." This ASU permits the use of the Fed Funds Effective Swap Rate (OIS) as a U.S. benchmark interest rate for hedge accounting purposes, in addition to U.S. Treasury rate and LIBOR. The amendments also remove the restriction on using different benchmark rates for similar hedges. The provisions of this update were effective on July 17, 2013 for qualifying new or re-designated hedging relationships entered into on or after that date. Earlier application of the guidance is not permitted. The implementation of this guidance did not have a significant impact on the Company's financial position, results of operations or disclosures. Impact of the adoption of this guidance is discussed in Note 10.
	In July 2013, the FASB issued ASU 2013-11, an update to ASC 740, "Income Taxes." This ASU requires unrecognized tax benefits, or a portion of which, to be presented in the statement of financial position as a reduction to a deferred tax asset for a net operating loss carryforwards, similar tax losses, or tax credit carryforwards. The ASU includes an exception that if the net operating loss carryforwards, similar tax losses, or a tax credit carryforwards are not available to settle any additional income taxes that would result from the disallowance of a tax position at the reporting date or the tax law of the applicable jurisdiction does not require the entity to use them and the entity does not intend to use them, the unrecognized tax benefits for such purpose should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The provisions of this update were effective January 1, 2014 for the Company and were applied prospectively. The implementation of this guidance did not have a significant impact on the Company's financial position or results of operations or disclosures. The Company adopted the ASU 2013-11 beginning January 1, 2014, which resulted in a $93.9 million reduction in deferred tax assets.
	In January 2014, the FASB issued ASU 2014-01, an update to ASC 323, "Investments - Equity Method and Joint Ventures." The amendments in the ASU allow an entity to make an accounting policy election to account for its investments in qualified affordable housing projects using the proportional amortization method, if certain conditions are met. Under this method, an investor amortizes the cost of its investments in proportion to the tax credits and other tax benefits received and present the amortization as a component of income tax expense. Additional disclosures were also set forth in this update. The new ASU is effective on a retrospective basis beginning on January 1, 2015, with early adoption permitted. The Company is currently evaluating whether it will adopt the ASU. If adopted, the Company does not expect the adoption to have a significant impact on the Company's financial position, results of operations or disclosures.
	In January 2014, the FASB issued ASU 2014-04, an update to ASC 310, "Receivables." The ASU clarifies when an in-substance repossession or foreclosure occurs that would require the transfer of a mortgage loan to other real estate owned (OREO) in the statement of financial position. Under the ASU an in substance repossession or foreclosure occurs when the creditor obtains legal title to the residential real estate property or the borrower conveys all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. The new ASU is effective beginning on January 1, 2015, with early adoption permitted. Entities may elect to adopt the new ASU by either using a modified retrospective transition method or a prospective transition method. The Company is currently evaluating the impact of this ASU on its financial position, results of operations or disclosures.
Commercial Lending Asset Quality Indicators	'
	Commercial credit quality disaggregated by class of financing receivables is summarized according to standard regulatory classifications as follows:
	PASS. Asset is well-protected by the current net worth and paying capacity of the obligor or guarantors, if any, or by the fair value less costs to acquire and sell any underlying collateral in a timely manner.
	SPECIAL MENTION. Asset has potential weaknesses that deserve management’s close attention, which, if left uncorrected, may result in deterioration of the repayment prospects for an asset at some future date. Special Mention assets are not adversely classified.
	SUBSTANDARD. Asset is inadequately protected by the current net worth and paying capacity of the obligor or by the collateral pledged, if any. A well-defined weakness or weaknesses exist that jeopardize the liquidation of the debt. The loans are characterized by the distinct possibility that the Bank will sustain some loss if deficiencies are not corrected.
	DOUBTFUL. Exhibits the inherent weaknesses of a substandard credit. Additional characteristics exist that make collection or liquidation in full highly questionable and improbable, on the basis of currently known facts, conditions and values. Possibility of loss is extremely high, but because of certain important and reasonable specific pending factors which may work to the advantage and strengthening of the credit, an estimated loss cannot yet be determined.
	LOSS. Credit is considered uncollectible and of such little value that it does not warrant consideration as an active asset. There may be some recovery or salvage value, but there is doubt as to whether, how much or when the recovery would occur.

BASIS_OF_PRESENTATION_AND_ACCO2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Tables)	3 Months Ended
	Mar. 31, 2014
Accounting Policies [Abstract]	'
Premises and Equipment	'
	Estimated useful lives are as follows:
	Office buildings	10 to 30 years
	Leasehold improvements(1)	10 to 30 years
	Software(2)	3 to 5 years
	Furniture, fixtures and equipment	3 to 10 years
	Automobiles	5 years
	(1)Leasehold improvements are depreciated over the shorter of the useful lives of the assets or the remaining term of the leases. The useful life of the leasehold improvements may be extended beyond the base term of the lease contract when the lease contract includes renewal option period(s) that are reasonably assured of being exercised at the date the leasehold improvements are purchased.  At no point does the depreciable life exceed the economic useful life of the leasehold improvement or the expected term of the lease contract.
	(2)Standard depreciable period for software is three years. However, for larger software implementation projects, a five-year period is utilized. For the 2012 information technology ("IT") transformation, the Company utilized a depreciable period of five years.

BUSINESS_COMBINATIONS_Tables

BUSINESS COMBINATIONS (Tables)	3 Months Ended
	Mar. 31, 2014
Business Combinations [Abstract]	'
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed	'
	(dollars in thousands)	January 28, 2014
	Fair value of noncontrolling interest in SCUSA	$	3,273,265
	Fair value of SCUSA employee vested stock options	210,181
	Fair value of SHUSA remaining ownership interest in SCUSA	5,063,881
	Fair value of equity related interests in SCUSA	$	8,547,327
	Recognized amounts of identifiable assets acquired and liabilities assumed:
	Cash and cash equivalents	$	11,075
	Restricted Cash	1,704,906
	Loan receivables - held for sale	990,137
	Loan receivables - autos	19,870,790
	Loan receivables from dealers	102,689
	Loan receivables - unsecured	1,009,896
	Premises and equipment	74,998
	Leased vehicles, net	2,518,285
	Intangibles	768,750
	Miscellaneous receivables and other assets	1,061,351
	Borrowings and other debt obligations	(24,497,607		)
	Deferred tax liability	(1,215		)
	Accounts payable and accrued liabilities	(551,924		)
	Total identifiable net assets	3,062,131
	Goodwill	$	5,485,196
	The following table summarizes these equity related interests in SCUSA which constitute the purchase price and the identified assets acquired and liabilities assumed:
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period	'
	(dollars in thousands)	January 28, 2014
	Fair value of loan receivables (1)	$	19,870,790
	Gross contractual amount of loan receivables (1)	$	31,410,699
	Estimate of contractual cash flows not expected to be collected at acquisition (1)	$	4,301,586
	(1) - Fair value of receivables does not include amounts related to the loan receivables - unsecured and loan receivables from dealers due to the short-term and revolving nature of the receivables.
Finite-Lived and Indefinite-Lived Intangible Assets Acquired as Part of Business Combination	'
		January 28, 2014
		Fair Value			Weighted Average Amortization Period
		(dollars in thousands)
	Intangibles subject to amortization:
	Dealer networks	$	580,000		17.5 years (a)
	Chrysler relationship	138,750			9.2 years
	Intangibles not subject to amortization:
	Trade name	50,000			indefinite lived
	Total Intangibles	$	768,750
	(a) - The amortization periods of the dealer network range between 7 and 20 years.
Schedule of Business Acquisition, Gain on Change in Control	'
	The Company recognized a pre-tax gain of $2.4 billion in connection with the Change in Control in Non-interest Income in the Condensed Consolidated Statement of Operations.
	(dollars in thousands)	28-Jan-14
	Gain attributable to SCUSA shares sold	$	137,536
	Gain attributable to the remaining equity interest	2,291,003
	Total pre-tax gain	$	2,428,539
Business Acquisition, Actual Financial Information and Pro Forma Information of Acquiree	'
	The following table summarizes the actual unaudited amounts of Total revenue, net of Total interest expense and Net income including Noncontrolling Interest of SCUSA included in our Condensed Consolidated Financial Statements for the three months ended March 31, 2014 and the supplemental pro forma consolidated Total revenue, net of Total interest expense and Net income including Noncontrolling Interest of SHUSA entity for the three months ended March 31, 2014 and 2013, respectively, as if the Change in Control had occurred on January 1, 2013. These results include the impact of amortizing certain purchase accounting adjustments such as intangible assets as well as fair value adjustments to loans and issued debt. These pro forma results are presented for illustrative purposes and are not intended to represent or be indicative of the actual consolidated results of operations of SHUSA that would have been achieved had the Change in Control occurred at January 1, 2013, nor are they intended to represent or be indicative of future results of operations.
	NOTE 3. BUSINESS COMBINATIONS (continued)
		SCUSA Amounts Included in Results for the Three-Month Period Ended March 31, 2014			Supplemental Pro Forma - Combined Three Month Period Ended March 31,
	(dollars in thousands)				2014 (b)		2013 (b)(c)
	Total Revenue, Net of Total Interest Expense (a)	$	1,066,725		$	1,930,714	$	4,136,947
	Net Income including Noncontrolling Interest	238,066			105,669		2,254,868
	(a) - Total Revenue, Net of Total Interest Expense is calculated as the sum of Total Interest Income and Total Non-Interest Income, less Total Interest Expense.
	(b) - Includes the impact of recording provision for loan losses necessary to bring the retail installment contracts and personal unsecured loans to their expected carrying values considering the required allowance for loan losses on their recorded investment amounts. See Note 1 for a related discussion of the Company's accounting policy specific to these loans.
	(c) - Included within the Supplemental Pro Forma - Combined Total Revenue, Net of Total Interest Expense and Net Income for the three months ended March 31, 2013 is a non-recurring gain of $2.43 billion and $1.53 billion, respectively, that arose on the remeasurement of SHUSA's equity method investment in SCUSA to fair value.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
Investments, Debt and Equity Securities [Abstract]	'
Available-for-sale Securities	'
	The following tables present the amortized cost, gross unrealized gains and losses and approximate fair values of securities available-for-sale at the dates indicated:
		March 31, 2014
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Loss
		(in thousands)
	U.S. Treasury and government agency securities	$	24,999	$	1		$	—		$	25,000
	Corporate debt securities	2,202,808		40,101			(7,777		)	2,235,132
	Asset-backed securities	2,631,366		22,313			(3,573		)	2,650,106
	Equity securities	10,401		—			(441		)	9,960
	State and municipal securities	1,888,953		31,057			(31,250		)	1,888,760
	Mortgage-backed securities:
	U.S. government agencies	1,925,907		289			(65,782		)	1,860,414
	FHLMC and FNMA debt securities (1)	3,184,271		1,520			(174,814		)	3,010,977
	Non-agency securities	13,728		—			(4		)	13,724
	Total investment securities available-for-sale	$	11,882,433	$	95,281		$	(283,641	)	$	11,694,073
	NOTE 4. INVESTMENT SECURITIES (continued)
		December 31, 2013
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Loss
		(in thousands)
	U.S. Treasury and government agency securities	$	24,993	$	4		$	—		$	24,997
	Corporate debt securities	2,195,004		35,611			(12,435		)	2,218,180
	Asset-backed securities	2,727,235		9,345			(4,350		)	2,732,230
	Equity securities	10,331		—			(490		)	9,841
	State and municipal securities	1,891,996		20,515			(62,362		)	1,850,149
	Mortgage-backed securities:
	U.S. government agencies	1,904,178		134			(103,889		)	1,800,423
	FHLMC and FNMA debt securities (1)	3,202,428		1,486			(207,392		)	2,996,522
	Non-agency securities	13,898		—			—			13,898
	Total investment securities available-for-sale	$	11,970,063	$	67,095		$	(390,918	)	$	11,646,240
	(1) Federal Home Loan Mortgage Company ("FHLMC") and Federal National Mortgage Association ("FNMA")
Investments Classified by Contractual Maturity Date	'
	Contractual maturities of the Company’s debt securities available-for-sale at March 31, 2014 are as follows:
		Amortized		Fair
		Cost		Value
		(in thousands)
	Due within one year	$	498,361	$	501,591
	Due after 1 year but within 5 years	3,026,469		3,073,654
	Due after 5 years but within 10 years	1,159,424		1,159,019
	Due after 10 years	7,187,778		6,949,849
	Total	$	11,872,032	$	11,684,113
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	'
	The following tables present the aggregate amount of unrealized losses as of March 31, 2014 and December 31, 2013 on securities in the Company’s investment portfolio classified according to the amount of time that those securities have been in a continuous loss position:
		March 31, 2014
		Less than 12 months					12 months or longer						Total
		Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
		(in thousands)
	Corporate debt securities	$	745,036	$	(3,850	)	$	118,512		$	(3,927	)	$	863,548	$	(7,777	)
	Asset-backed securities	664,254		(3,272		)	41,349			(301		)	705,603		(3,573		)
	Equity securities	5,066		(166		)	4,833			(275		)	9,899		(441		)
	State and municipal securities	404,396		(15,371		)	232,184			(15,879		)	636,580		(31,250		)
	Mortgage-backed securities:
	U.S. government agencies	1,701,971		(60,098		)	121,190			(5,684		)	1,823,161		(65,782		)
	FHLMC and FNMA debt securities	2,127,659		(119,197		)	854,099			(55,617		)	2,981,758		(174,814		)
	Non-agency securities	13,621		(4		)	—			—			13,621		(4		)
	Total	$	5,662,003	$	(201,958	)	$	1,372,167		$	(81,683	)	$	7,034,170	$	(283,641	)
		31-Dec-13
		Less than 12 months					12 months or longer						Total
		Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
		(in thousands)
	Corporate debt securities	$	743,041	$	(10,868	)	$	32,020		$	(1,567	)	$	775,061	$	(12,435	)
	Asset-backed securities	803,685		(4,111		)	24,316			(239		)	828,001		(4,350		)
	Equity securities	5,020		(188		)	4,797			(302		)	9,817		(490		)
	State and municipal securities	710,456		(45,972		)	126,345			(16,390		)	836,801		(62,362		)
	Mortgage-backed securities:
	U.S. government agencies	1,648,691		(94,937		)	139,791			(8,952		)	1,788,482		(103,889		)
	FHLMC and FNMA debt securities	2,271,301		(150,996		)	695,830			(56,396		)	2,967,131		(207,392		)
	Total	$	6,182,194	$	(307,072	)	$	1,023,099		$	(83,846	)	$	7,205,293	$	(390,918	)
Realized Gain (Loss) on Investments	'
	Proceeds from sales of investment securities and the realized gross gains and losses from those sales are as follows:
		Three-Month Period
		Ended March 31,
		2014		2013
		(in thousands)
	Proceeds from the sales of available-for-sale securities	$	88,113	$	2,587,183
	Gross realized gains	1,944		73,524
	Gross realized losses	—		(2		)
	OTTI	—		—
	Net realized gains	$	1,944	$	73,522

LOANS_AND_ALLOWANCE_FOR_CREDIT1

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2014
Loans and Leases Receivable Disclosure [Abstract]	'
Schedule of Loans Receivable	'
	The following table presents the composition of the gross loans held for investment by type of loan and by fixed and variable rates at the dates indicated:
		March 31, 2014							December 31, 2013
		Amount				Percent			Amount				Percent
		(dollars in thousands)
	Commercial loans held for investment:
	Commercial real estate loans	$	8,934,116			12.1	%		$	9,303,885			18.6	%
	Commercial and industrial loans	14,163,791				19.1	%		12,820,417				25.7	%
	Multi-family loans	9,365,927				12.6	%		8,237,029				16.5	%
	Other commercial (2)	1,802,005				2.4	%		1,789,891				3.6	%
	Total commercial loans held for investment	34,265,839				46.2	%		32,151,222				64.4	%
	Consumer loans secured by real estate:
	Residential mortgages	9,552,642				12.9	%		9,561,187				19.2	%
	Home equity loans and lines of credit	6,206,354				8.4	%		6,311,694				12.6	%
	Total consumer loans secured by real estate	15,758,996				21.3	%		15,872,881				31.8	%
	Consumer loans not secured by real estate:
	Retail installment contracts and auto loans	20,925,635				28.3	%		81,804				0.2	%
	Personal unsecured loans	1,558,553				2.1	%		493,785				1	%
	Other consumer (3)	1,553,593				2.1	%		1,321,985				2.6	%
	Total consumer loans	39,796,777				53.8	%		17,770,455				35.6	%
	Total loans held for investment (1)	$	74,062,616			100	%		$	49,921,677			100	%
	Total loans held for investment:
	Fixed rate	$	46,494,515			62.8	%		$	23,431,663			46.9	%
	Variable rate	27,568,101				37.2	%		26,490,014				53.1	%
	Total loans held for investment (1)	$	74,062,616			100	%		$	49,921,677			100	%
	(1)Total loans held for investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments. These items resulted in a net decrease in loan balances of $2.7 billion as of March 31, 2014 and a net increase in loan balances of $122.6 million as of December 31, 2013, respectively. The significant fluctuation between periods is due to the purchase accounting marks resulting from the Change in Control of SCUSA.
	(2)Other commercial primarily includes commercial equipment vehicle funding leases and loans.
	(3)Other consumer primarily includes recreational vehicles and marine loans.
Allowance for Credit Losses by Portfolio Segment	'
	The activity in the allowance for credit losses by portfolio segment for the three-month period ended March 31, 2014 and 2013 was as follows:
		Three-Month Period Ended March 31, 2014
		Commercial				Consumer				Unallocated				Total
		(in thousands)
	Allowance for loan and lease losses, beginning of period	$	443,074			$	363,647			$	27,616			$	834,337
	(Recovery of) Provision for loan losses	15,289				343,168				16,873				375,330
	Charge-offs	(29,590		)		(147,748		)		—				(177,338		)
	Recoveries	5,388				72,875				—				78,263
	Charge-offs, net of recoveries	(24,202		)		(74,873		)		—				(99,075		)
	Allowance for loan and lease losses, end of period	$	434,161			$	631,942			$	44,489			$	1,110,592
	Reserve for unfunded lending commitments, beginning of period	$	220,000			$	—			$	—			$	220,000
	Provision for unfunded lending commitments	(40,000		)		—				—				$	(40,000	)
	Reserve for unfunded lending commitments, end of period	180,000				—				—				$	180,000
	Total allowance for credit losses, end of period	$	614,161			$	631,942			$	44,489			$	1,290,592
	Ending balance, individually evaluated for impairment (2)	$	265,183			$	192,298			$	—			$	457,481
	Ending balance, collectively evaluated for impairment	348,978				439,644				44,489				833,111
	Financing receivables:
	Ending balance	$	34,310,467			$	40,002,610			$	—			$	74,313,077
	Ending balance, evaluated at fair value (1)	44,627				1,722,187				—				1,766,814
	Ending balance, individually evaluated for impairment (2)	528,224				693,072				—				1,221,296
	Ending balance, collectively evaluated for impairment	33,737,616				37,587,351				—				71,324,967
	-1	Represents LHFS and those loans for which the Company has elected the fair value option
	-2	Consumer loans individually evaluated for impairment consists of loans in TDR status
		Three-Month Period Ended March 31, 2013
		Commercial				Consumer				Unallocated				Total
		(in thousands)
	Allowance for loan losses, beginning of period	$	580,931			$	407,259			$	25,279			$	1,013,469
	(Recovery of) Provision for loan losses	(30,843		)		25,889				21,804				16,850
	Charge-offs	(34,339		)		(56,694		)		—				(91,033		)
	Recoveries	22,367				9,439				—				31,806
	Charge-offs, net of recoveries	(11,972		)		(47,255		)		—				(59,227		)
	Allowance for loan losses, end of period	$	538,116			$	385,893			$	47,083			$	971,092
	Reserve for unfunded lending commitments, beginning of period	210,000				—				—				210,000
	Provision for unfunded lending commitments	—				—				—				—
	Reserve for unfunded lending commitments, end of period	210,000				—				—				210,000
	Total allowance for credit losses, end of period	$	748,116			$	385,893			$	47,083			$	1,181,092
	Ending balance, individually evaluated for impairment(2)	307,622				143,529				—				$	451,151
	Ending balance, collectively evaluated for impairment	440,494				242,364				47,083				$	729,941
	Financing receivables:
	Ending balance	$	33,053,376			$	19,370,706			$	—			$	52,424,082
	Ending balance, evaluated at fair value(1)	—				671,023				—				$	671,023
	Ending balance, individually evaluated for impairment(2)	560,081				759,238				—				$	1,319,319
	Ending balance, collectively evaluated for impairment	32,493,295				17,940,445				—				$	50,433,740
	-1	Represents LHFS and those loans for which the Company has elected the fair value option
	-2	Consumer loans individually evaluated for impairment consists of loans in TDR status
Schedule of Non-accrual Loans	'
	The recorded investment in non-accrual loans disaggregated by class of financing receivables is summarized as follows:
		March 31, 2014				December 31, 2013
		(in thousands)
	Non-accrual loans:
	Commercial:
	Commercial real estate:
	Corporate banking	$	103,113			$	93,100
	Middle market commercial real estate	132,381				143,802
	Santander real estate capital	13,083				13,171
	Commercial and industrial	93,197				97,254
	Multifamily	19,098				21,371
	Other commercial	4,781				3,640
	Total commercial loans	365,653				372,338
	Consumer:
	Residential mortgages	460,435				473,566
	Home equity loans and lines of credit	141,408				141,961
	Retail installment contracts and auto loans	449,138				1,205
	Personal unsecured loans	—				—
	Other consumer	9,835				9,339
	Total consumer loans	1,060,816				626,071
	Total non-accrual loans	$	1,426,469			$	998,409
	Other real estate owned	92,133				88,603
	Repossessed vehicles	137,648				—
	Other repossessed assets	5,518				3,073
	Total other real estate owned and other repossessed assets	235,299				91,676
	Total non-performing assets	$	1,661,768			$	1,090,085
Aging Analysis of Loan Portfolio	'
	The age of recorded investments in past due loans and accruing loans greater than 90 days past due disaggregated by class of financing receivables is summarized as follows:
		As of March 31, 2014
		30-59				60-89				Greater				Total				Current				Total				Recorded Investment
		Days Past				Days				Than 90				Past Due								Financing				> 90 Days
		Due				Past				Days												Receivables (1)				and
						Due																				Accruing
		(in thousands)
	Commercial:
	Commercial real estate:
	Corporate banking	$	27,878			$	7,046			$	49,018			$	83,942			$	3,440,691			$	3,524,633			—
	Middle market commercial real estate	$	—			—				$	86,876			86,876				$	3,432,214			3,519,090				—
	Santander real estate capital	$	5,800			—				$	6,771			12,571				$	1,889,135			1,901,706				—
	Commercial and industrial	$	9,310			$	12,151			$	57,791			79,252				$	14,117,853			14,197,105				—
	Multifamily	$	11,137			$	709			$	6,612			18,458				$	9,347,469			9,365,927				—
	Other commercial	$	1,842			$	727			$	1,755			4,324				$	1,797,681			1,802,005				—
	Consumer:
	Residential mortgages	162,893				74,718				367,399				605,010				9,008,694				9,613,704				—
	Home equity loans and lines of credit	22,600				11,434				79,930				113,964				6,092,390				6,206,354				—
	Retail installment contracts and auto loans	4,822				1,666,338				83,220				1,754,380				19,316,027				21,070,407				—
	Personal unsecured loans	38,679				31,779				4,622				75,080				1,483,473				1,558,553				52,197
	Other consumer	36,497				7,710				28,772				72,979				1,480,614				1,553,593				—
	Total	$	321,458			$	1,812,612			$	772,766			$	2,906,836			$	71,406,241			$	74,313,077			$	52,197
	-1	Financing receivables include LHFS.
		As of December 31, 2013
		30-59				60-89				Greater				Total				Current				Total				Recorded
		Days Past				Days Past				Than 90				Past Due								Financing				Investment
		Due				Due				Days												Receivables (1)				> 90 Days
																										and
																										Accruing
		(in thousands)
	Commercial:
	Commercial real estate:
	Corporate banking	12,758				5,751				57,503				76,012				3,691,858				3,767,870				$	—
	Middle market commercial real estate	5,980				13,897				83,809				103,686				3,406,685				3,510,371				—
	Santander real estate capital	4,177				9,705				—				13,882				2,011,762				2,025,644				—
	Commercial and industrial	15,966				4,310				34,354				54,630				12,783,719				12,838,349				—
	Multifamily	2,039				5,235				9,563				16,837				8,220,192				8,237,029				—
	Other commercial	3,412				182				2,171				5,765				1,784,126				1,789,891				—
	Consumer:
	Residential mortgages	185,630				86,563				379,076				651,269				9,020,935				9,672,204				—
	Home equity loans and lines of credit	32,017				15,567				80,551				128,135				6,183,559				6,311,694				—
	Retail installment contracts and auto loans	7,900				2,988				1,205				12,093				69,711				81,804				—
	Personal unsecured loans	4,289				1,693				4,536				10,518				483,267				493,785				2,545
	Other consumer	29,641				11,835				31,091				72,567				1,249,418				1,321,985				—
	Total	$	303,809			$	157,726			$	683,859			$	1,145,394			$	48,905,232			$	50,050,626			$	2,545
	-1	Financing receivables include LHFS.
Schedule of Impaired Loans by Class	'
			December 31, 2013
			Recorded Investment(1)				Unpaid				Related				Average
							Principal				Specific				Recorded
							Balance				Reserves				Investment
			(in thousands)
	With no related allowance recorded:
	Commercial:
	Commercial real estate:
	Corporate banking		$	43,485			$	30,131			$	—			$	43,485
	Middle market commercial real estate		101,137				128,874				—				101,137
	Santander real estate capital		751				751				—				751
	Commercial and industrial		13,131				42,512				—				13,131
	Multifamily		27,031				27,031				—				27,031
	Other commercial		—				—				—				—
	Consumer:
	Residential mortgages		92,143				92,143				—				92,143
	Home equity loans and lines of credit		31,074				31,074				—				31,074
	Retail installment contracts and auto loans		—				—				—				—
	Personal unsecured loans		—				—				—				—
	Other consumer		8,345				17,420				—				8,345
	With an allowance recorded:
	Commercial:
	Corporate banking		53,762				52,100				10,298				53,762
	Middle market commercial real estate		118,845				185,649				26,130				118,845
	Santander real estate capital		9,382				8,136				1,701				9,382
	Commercial and industrial		100,224				118,276				50,252				100,224
	Multifamily		11,418				8,456				2,201				11,418
	Other commercial		177				177				12				177
	Consumer:
	Residential mortgages		547,329				603,866				124,746				547,329
	Home equity loans and lines of credit		54,900				63,975				5,479				54,900
	Retail installment contracts and auto loans		—				—				—				—
	Personal unsecured loans		2,535				2,535				677				2,535
	Other consumer		17,483				17,482				4,300				17,483
	Total:
	Commercial		$	479,343			$	602,093			$	90,594			$	479,343
	Consumer		753,809				828,495				135,202				753,809
	Total		$	1,233,152			$	1,430,588			$	225,796			$	1,233,152
	Impaired loans disaggregated by class of financing receivables are summarized as follows:
			March 31, 2014
			Recorded Investment(1)				Unpaid				Related				Average
							Principal				Specific				Recorded
							Balance				Reserves				Investment
			(in thousands)
	With no related allowance recorded:
	Commercial:
	Commercial real estate:
	Corporate banking		55,554				43,388				—				49,520
	Middle market commercial real estate		110,705				81,782				—				105,921
	Santander real estate capital		7,122				6,965				—				3,937
	Commercial and industrial		6,047				2,260				—				9,589
	Multifamily		26,734				26,734				—				26,883
	Other commercial		147				147				—				74
	Consumer:
	Residential mortgages		88,186				88,186				—				90,165
	Home equity loans and lines of credit		29,884				29,884				—				30,479
	Retail installment contracts and auto loans		46,648				46,648				—				23,324
	Personal unsecured loans		—				—				—				—
	Other consumer		6,711				6,711				—				7,528
	With an allowance recorded:
	Commercial:
	Commercial real estate:
	Corporate banking		48,488				47,239				10,516				51,125
Middle market commercial real estate		97,104				71,100				20,690				107,975
Santander real estate capital		6,679				5,433				1,254				8,031
Commercial and industrial		98,788				92,234				49,686				99,506
Multifamily		6,064				5,858				1,521				8,741
Other commercial		1,176				1,176				457				677
Consumer:
Residential mortgages		553,419				498,288				125,256				550,374
Home equity loans and lines of credit		55,899				47,110				5,876				55,400
Retail installment contracts and auto loans		121,041				117,746				57,434				60,521
Personal unsecured loans		2,053				—				515				2,294
Other consumer		17,264				8,813				4,276				17,374
Total:
Commercial		$	464,608			$	384,316			$	84,124			$	471,979
Consumer		921,105				843,386				193,357				837,459
Total		$	1,385,713			$	1,227,702			$	277,481			1,309,438
Financing Receivable, Recorded Investment [Line Items]	'
Schedule of Financing Receivable, by Credit Score	'
	Consumer financing receivables, including LHFS, for which credit score is a core component of the allowance model are summarized by credit score as follows:
	March 31, 2014
	Credit Score Range(2)		Retail installment contracts and auto loans				Percent			Personal unsecured loans balance				Percent			Home equity loans and lines of credit				Percent
			(dollars in thousands)
	<600		$	12,438,256			59	%		$	345,006			22.1	%		$	348,892			5.6	%
	600-639		5,483,758				26	%		476,285				30.6	%		297,655				4.8	%
	640-679		3,088,553				14.7	%		293,184				18.8	%		549,833				8.9	%
	680-719		—				—	%		54,820				3.5	%		888,979				14.3	%
	720-759		—				—	%		55,832				3.6	%		1,236,242				19.9	%
	>v0		—				—	%		55,864				3.6	%		2,882,785				46.5	%
	N/A(1)		59,840				0.3	%		277,562				17.8	%		1,968				—	%
	Total		$	21,070,407			100	%		$	1,558,553			100	%		$	6,206,354			100	%
	-1	Consists primarily of loans serviced by third parties. Loans serviced by third parties do not receive refreshed FICO scores.
	-2	Credit scores updated quarterly.
	NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
	December 31, 2013
	Credit Score Range(2)		Personal unsecured loans balance				Percent			Home equity loans and lines of credit				Percent
			(dollars in thousands)
	<600		$	10,221			2.1	%		$	336,713			5.3	%
	600-639		6,152				1.2	%		281,186				4.5	%
	640-679		24,855				5	%		524,937				8.3	%
	680-719		53,842				11	%		869,460				13.8	%
	720-759		55,546				11.2	%		1,223,179				19.4	%
	>v0		60,002				12.2	%		2,775,970				44	%
	N/A(1)		283,167				57.3	%		300,249				4.7	%
	Total		$	493,785			100	%		$	6,311,694			100	%
	-1	Consists primarily of loans serviced by third parties. Loans serviced by third parties do not receive refreshed FICO scores.
	-2	Credit scores updated quarterly
Schedule of Financing Receivable by LTV	'
	Residential mortgage and home equity financing receivables by combined loan-to-value ("CLTV") range are summarized as follows:
	March 31, 2014
			Residential mortgages							Home equity loans and lines of credit
	CLTV Range(1)		UPB				Percent			UPB				Percent
			(dollars in thousands)
	<€%		$	7,059,941			73.4	%		$	3,885,396			62.6	%
	80.01 - 90%		795,112				8.3	%		1,027,382				16.6	%
	90.01 - 100%		619,743				6.4	%		356,706				5.7	%
	100.01 - 120%		429,497				4.5	%		345,694				5.6	%
	120.01 - 140%		170,903				1.8	%		134,314				2.2	%
	>140%		187,609				2	%		111,324				1.8	%
	N/A		350,899				3.6	%		345,538				5.5	%
	Total(2)		$	9,613,704			100	%		$	6,206,354			100	%
	December 31, 2013
			Residential mortgages							Home equity loans and lines of credit
	CLTV Range(1)		UPB				Percent			UPB				Percent
			(dollars in thousands)
	<€%		$	7,124,926			73.7	%		$	4,061,541			64.3	%
	80.01 - 90%		665,806				6.9	%		946,933				15	%
	90.01 - 100%		647,079				6.7	%		357,817				5.7	%
	100.01 - 120%		451,833				4.7	%		338,194				5.4	%
	120.01 - 140%		188,201				1.9	%		125,099				2	%
	>140%		199,016				2.1	%		108,664				1.7	%
	N/A		395,343				4	%		373,446				5.9	%
	Total(2)		$	9,672,204			100	%		$	6,311,694			100	%
	-1	CLTV is inclusive of senior lien balances and updated as deemed necessary. CLTV ranges represent the unpaid principal balance except for the "N/A" range, which represents the unpaid principal balance plus deferred loan origination costs, net of deferred loan fees and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.
	-2	Financing receivables includes loans held for sale.
Schedule of Troubled Debt Restructurings on Financing Receivables, Performing and Nonperforming [Table Text Block]	'
	The following table summarizes the Company’s performing and non-performing TDRs at the dates indicated:
		March 31, 2014				December 31, 2013
		(in thousands)
	Performing	$	787,485			$	656,606
	Non-performing	345,621				347,037
	Total	$	1,133,106			$	1,003,643
Schedule of Troubled Debt Restructurings	'
	The following tables detail the activity of TDRs for the three-month period ended March 31, 2014 and March 31, 2013, respectively:
		Three-Month Period Ended March 31, 2014
		Number of			Pre-Modification				Post-Modification
		Contracts			Outstanding Recorded				Outstanding Recorded
					Investment (1)				Investment (2)
		(dollars in thousands)
	Commercial:
	Commercial real estate:
	Corporate Banking	2			3,524				3,505
	Commercial and industrial	12			18,793				18,207
	Other commercial	1			498				500
	Consumer:
	Residential mortgages (3)	79			17,811				17,670
	Home equity loans and lines of credit	26			2,285				2,285
	Retail installment contracts and auto loans	12,714			129,141				126,932
	Other consumer	1			41				42
	Total	12,835			$	172,093			$	169,141
	-1	Pre-modification outstanding recorded investment amount is the month-end balance prior to the month the modification occurred.
	-2	Post-modification outstanding recorded investment amount is the month-end balance for the month that the modification occurred.
	-3	The post-modification outstanding recorded investment amounts for residential mortgages exclude interest reserves.
	NOTE 5. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued)
		Three-Month Period Ended March 31, 2013
		Number of Contracts			Pre-Modification				Post-Modification
					Outstanding Recorded				Outstanding Recorded
					Investment (1)				Investment (2)
		(dollars in thousands)
	Commercial:
	Commercial real estate:
	Corporate banking	1			$	19,750			$	18,767
	Santander real estate capital	1			2,724				2,188
	Other commercial	5			1,712				1,696
	Consumer:
	Residential mortgages (3)	92			15,779				16,132
	Home equity loans and lines of credit	80			6,243				6,242
	Total	179			$	46,208			$	45,025
	-1	Pre-modification outstanding recorded investment amount is the month-end balance prior to the month the modification occurred.
	-2	Post-modification outstanding recorded investment amount is the month-end balance for the month that the modification occurred.
	-3	The post-modification outstanding recorded investment amounts for residential mortgages exclude interest reserves.
Schedule of Troubled Debt Restructurings Subsequently Defaulted	'
	The following table details TDRs that were modified during the past twelve-month period and have subsequently defaulted during the three-month period ended March 31, 2014 and March 31, 2013, respectively.
		Three-Month Period
		Ended March 31,
		2014							2013
		Number of			Recorded Investment(1)				Number of			Recorded
		Contracts							Contracts			Investment(1)
		(dollars in thousands)
	Consumer:
	Residential mortgages	12			$	1,915			10			$	2,794
	Home equity loans and lines of credit	—			—				2			376
	Total	12			$	1,915			12			$	3,170
	-1	The recorded investment represents the period-end balance at March 31, 2014 and 2013. Does not include Chapter 7 bankruptcy TDRs.
Commercial [Member]	'
Financing Receivable, Recorded Investment [Line Items]	'
Schedule of Loans by Credit Quality Indicators	'
	Commercial loan credit quality indicators by class of financing receivables are summarized as follows:
			Commercial Real Estate
	March 31, 2014		Corporate				Middle				Santander				Commercial and industrial				Multifamily				Remaining				Total (1)
			banking				market				real estate												commercial
							commercial				capital
							real estate
			(in thousands)
	Regulatory Rating:
	Pass		$	3,155,786			$	3,110,039			$	1,651,802			$	13,711,203			$	9,239,610			$	1,776,638			$	32,645,078
	Special Mention		107,491				98,115				119,556				256,282				58,915				17,419				657,778
	Substandard		243,975				238,706				129,539				196,650				66,904				7,800				883,574
	Doubtful		17,381				72,231				808				32,970				498				148				124,036
	Total commercial loans		$	3,524,633			$	3,519,091			$	1,901,705			$	14,197,105			$	9,365,927			$	1,802,005			$	34,310,466
	-1	Financing receivables include LHFS.
			Commercial Real Estate
	December 31, 2013		Corporate			Middle				Santander				Commercial and industrial				Multifamily				Remaining			Total (1)
			banking			market				real estate												commercial
						commercial				capital
						real estate
			(in thousands)
	Regulatory Rating:
	Pass		3,385,253			3,068,667				1,779,544				12,320,254				8,109,023				1,764,157			30,426,898
	Special Mention		106,001			62,062				112,257				283,939				59,379				17,196			640,834
	Substandard		260,122			310,318				132,999				202,347				63,284				8,361			977,431
	Doubtful		16,494			69,325				844				31,808				5,343				177			123,991
	Total commercial loans		3,767,870			3,510,372		—		2,025,644		—		12,838,348		—		8,237,029		—		1,789,891			32,169,154
Consumer [Member]	'
Financing Receivable, Recorded Investment [Line Items]	'
Schedule of Loans by Credit Quality Indicators	'
	Consumer credit quality disaggregated by class of financing receivables is summarized as follows:
	March 31, 2014		Residential				Home equity loans and lines of credit				Retail installment contracts and auto loans				Personal unsecured loans				Other				Total(1)
			mortgages																consumer
			(in thousands)
	Performing		$	9,153,269			$	6,096,735			$	19,318,989			$	1,528,047			$	1,516,752			$	37,613,792
	Non-performing		460,435				109,619				1,751,418				30,506				36,841				2,388,819
	Total consumer loans		$	9,613,704			$	6,206,354			$	21,070,407			$	1,558,553			$	1,553,593			$	40,002,611
	-1	Financing receivables include LHFS.
	December 31, 2013		Residential				Home equity loans and lines of credit				Retail installment contracts and auto loans				Personal unsecured loans				Other				Total(1)
			mortgages																consumer
			(in thousands)
	Performing		$	9,198,639			$	6,203,419			$	79,936			$	493,785			$	1,279,622			$	17,255,401
	Non-performing		473,565				108,275				1,868				—				42,363				626,071
	Total consumer loans		$	9,672,204			$	6,311,694			$	81,804			$	493,785			$	1,321,985			$	17,881,472
	-1	Financing receivables include LHFS.
Commercial Loans Held for Investment [Member]	'
Financing Receivable, Recorded Investment [Line Items]	'
Schedule of Loans Receivable by Credit Quality Classification	'
	The following table reconciles the Company's recorded investment classified by its major loan classifications to its commercial loan classifications utilized in its determination of the allowance for loan losses and other credit quality disclosures at March 31, 2014 and December 31, 2013, respectively:
	Commercial Portfolio Segment(2)
	Major Loan Classifications(1)		31-Mar-14				31-Dec-13
			(in thousands)
	Commercial loans held for investment:
	Commercial real estate
	Corporate banking		$	3,566,377			$	3,767,869
	Middle markets commercial real estate (3)		$	3,466,034			$	3,510,371
	Santander real estate capital		$	1,901,705			$	2,025,645
	Total commercial real estate		$	8,934,116			9,303,885
	Commercial and industrial loans (4)		14,163,791				12,820,417
	Multi-family loans		9,365,927				8,237,029
	Other commercial		1,802,005				1,789,891
	Total commercial loans held for investment		$	34,265,839			$	32,151,222
	-1	These represent the Company's loan categories based on the SEC's Regulation S-X, Article 9.
	-2	These represent the Company's loan classes used to determine its allowance for loan and lease losses in accordance with ASC 310-10.
	-3	Middle markets commercial real estate excluded $11.3 million and $0.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
	-4	Commercial and industrial loans excluded $33.3 million and $17.9 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
Consumer Loans Held for Investment [Member]	'
Financing Receivable, Recorded Investment [Line Items]	'
Schedule of Loans Receivable by Credit Quality Classification	'
	Consumer Portfolio Segment(2)
	Major Loan Classifications(1)		31-Mar-14				31-Dec-13
			(in thousands)
	Consumer loans secured by real estate:
	Residential mortgages (3)		9,552,642				9,561,187
	Home equity loans and lines of credit		6,206,354				6,311,694
	Total consumer loans secured by real estate		15,758,996				15,872,881
	Consumer loans not secured by real estate:
	Retail installment contracts and auto loans (4)		20,925,635				81,804
	Personal unsecured loans		1,558,553				493,785
	Other consumer		1,553,593				1,321,985
	Total consumer loans held for investment		$	39,796,777			$	17,770,455
	-1	These represent the Company's loan categories based on the SEC's Regulation S-X, Article 9.
	-2	These represent the Company's loan classes used to determine its allowance for loan and lease losses in accordance with ASC 310-10.
	-3	Home mortgages excludes $61.1 million and $111.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
	-4	Retail installment contracts and auto loans excludes $144.8 million and $0.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.

ASSET_SECURITIZATIONS_Tables

ASSET SECURITIZATIONS (Tables)	3 Months Ended
	Mar. 31, 2014
Variable Interest Entity and Securitizations [Abstract]	'
Schedule of Variable Interest Entities	'
	The following table summarizes the assets and liabilities related to the above mentioned VIEs that are included in the Company's Condensed Consolidated Financial Statements as of the date indicated:
		31-Mar-14
		(in thousands)
	Restricted cash	$	1,550,657
	Retail installment contracts, net	19,910,992
	Various other assets	3,695,594
	Notes payable	25,514,661
	Various other liabilities	49,157
Summary of Cash Flows Received	'
	Below is a summary of the cash flows received from the Trusts for the period indicated:
		Period from January 28, 2014 to
		31-Mar-14
		(in thousands)
	Receivables securitized	$	1,574,084
	Net proceeds from new securitizations	1,238,202
	Cash received for servicing fees	97,932
	Cash received upon release from reserved and restricted cash accounts	165
	Net distributions from Trusts	241,251
	Total cash received from securitization trusts	$	1,577,550

GOODWILL_AND_OTHER_INTANGIBLES1

GOODWILL AND OTHER INTANGIBLES (Tables)	3 Months Ended
	Mar. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]	'
Schedule of Goodwill	'
	The following table presents activity in the Company's goodwill by its reporting units for the three months ended March 31, 2014:
			Retail Banking				Auto Finance & Alliances				Investment Services			Real Estate and Commercial Banking		Specialty & Government Finance		Global Banking & Markets and Large Corporate		SCUSA		Total
			(in thousands)
	Goodwill at December 31, 2013		$	1,696,086			$	71,522			$	126,695		$	1,163,154	$	242,894	$	131,130	$	—	$	3,431,481
	Disposals during the period		(7,052		)		—				—			—		—		—		—		(7,052		)
	Additions during the period		—				—				—			—		—		—		5,485,196		5,485,196
	Goodwill at March 31, 2014		$	1,689,034			$	71,522			$	126,695		$	1,163,154	$	242,894	$	131,130	$	5,485,196	$	8,909,625
Schedule of Finite-Lived and Indefinite-Lived Intangible Assets	'
	The following table details amounts related to the Company's finite-lived and indefinite-lived intangible assets for the dates indicated.
		March 31, 2014								December 31, 2013
		Net				Accumulated				Net			Accumulated
		Carrying				Amortization				Carrying			Amortization
		Amount								Amount
		(in thousands)
	Intangibles subject to amortization:
	Dealer networks	$	575,881			$	(4,119	)		$	—		$	—
	Chrysler Relationship	136,250				(13,750		)		—			—
	Core deposit intangibles	18,123				(277,719		)		22,650			(273,192		)
	Other intangibles	11,106				(18,803		)		11,964			(17,945		)
	Total intangibles subject to amortization	741,360				(314,391		)		34,614			(291,137		)
	Intangibles not subject to amortization:
	Trade name	50,000				—				—			—
	Total Intangibles	$	791,360			$	(314,391	)		$	34,614		$	(291,137	)
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	'
	The estimated aggregate amortization expense related to intangibles for each of the five succeeding calendar years ending December 31 is:
	Year		Calendar Year Amount			Recorded To Date			Remaining Amount To Record
			(in thousands)
	2014		$	72,391		$	13,715		$	58,676
	2015		64,435			—			64,435
	2016		57,163			—			57,163
	2017		55,055			—			55,055
	2018		54,702			—			54,702
	Thereafter		449,617			—			449,617

OTHER_ASSETS_Tables

OTHER ASSETS (Tables)	3 Months Ended
	Mar. 31, 2014
Transfers and Servicing [Abstract]	'
Schedule of Other Assets	'
	The following is a detail of items that comprise other assets at March 31, 2014 and December 31, 2013:
			March 31, 2014			December 31, 2013
			(in thousands)
	OREO		$	92,133		$	88,603
	Other repossessed assets		140,132			3,073
	Prepaid expenses		144,894			141,593
	Miscellaneous receivables		901,625			546,363
	Derivative assets at fair value		256,776			222,491
	MSRs		134,775			141,787
	Operating lease assets		111,075			—
	Miscellaneous assets		99,164			30,584
	Total other assets		$	1,880,574		$	1,174,494
Schedule of Servicing Assets at Fair Value	'
	The following table presents a summary of activity for the Company’s residential MSRs.
		Three-Month Period
		Ended March 31,
		2014			2013
		(in thousands)
	Carrying value at beginning of period	$	141,787		$	92,512
	Mortgage servicing assets recognized	1,874			13,172
	Principal reductions	(4,427		)	(6,617		)
	Change in fair value due to valuation assumptions	(4,459		)	10,096
	Carrying value at end of period	$	134,775		$	109,163

BORROWINGS_Tables

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2014
SHUSA [Member]	'
Debt Instrument [Line Items]	'
Schedule of Borrowings and Other Debt Obligation	'
	The following table presents information regarding the holding company's borrowings and other debt obligations at the dates indicated:
		March 31, 2014				December 31, 2013
		Balance		Effective		Balance		Effective
				Rate				Rate
		(in thousands)
	3.00% senior notes, due September 2015	$	599,111	3.28	%	$	598,965	3.28	%
	4.625% senior notes, due April 2016	474,484		4.85		474,306		4.85
	3.45% senior notes, due August 2018	499,190		3.62		499,148		3.62
	Subordinated notes, due March 2020(1)	—		—		756,829		5.96
	Junior subordinated debentures - Capital Trust IV, due March 2034(2)	—		—		611		12.84
	Common securities - Capital Trust IV(2)	—		—		24,742		4.38
	Junior subordinated debentures - Capital Trust VI, due June 2036	70,262		7.91		70,262		7.91
	Common securities - Capital Trust VI	10,000		7.91		10,000		7.91
	Junior subordinated debentures - Capital Trust IX, due July 2036	150,000		2.04		150,000		2.04
	Common securities - Capital Trust IX	4,640		2.04		4,640		2.04
	Total holding company borrowings and other debt obligations	$	1,807,687	3.89	%	$	2,589,503	4.5	%
	(1) On February 21, 2014, the subordinated note, with a value of $750.0 million, was converted to 3.0 million shares of SHUSA common stock.
	(2) In December 2012, a settlement agreement was executed with respect to the Company's Trust PIERS litigation. The settlement agreement required the Company to make additional offers to purchase the Trust PIERS until no Trust PIERS remain outstanding. On February 28, 2014, the Company called and retired the remaining PIERS securities in the amount of $24.7 million.
Santander Bank [Member]	'
Debt Instrument [Line Items]	'
Schedule of Borrowings and Other Debt Obligation	'
	The following table presents information regarding the Bank's borrowings and other debt obligations at the dates indicated:
		March 31, 2014				December 31, 2013
		Balance		Effective		Balance		Effective
				Rate				Rate
		(in thousands)
	8.750% subordinated debentures, due May 2018	$	497,546	8.91	%	$	497,427	8.91	%
	FHLB advances, maturing through August 2018(1)	6,942,657		3.68		8,952,012		3.36
	Subordinated term loan, due February 2019	145,279		6		150,273		6.06
	REIT preferred, due May 2020	152,292		13.73		151,918		13.83
	Subordinated term loan, due August 2022	35,491		7.8		35,491		7.78
	Total Bank borrowings and other debt obligations	$	7,773,265	4.27	%	$	9,787,121	3.87	%
	(1) In February 2014, the Company restructured $1.7 billion of FHLB advances and extended their maturities by two years. The average rate of these borrowings decreased from 5.39% to 3.43% as a result of the restructuring.
SCUSA [Member]	'
Debt Instrument [Line Items]	'
Schedule of Borrowings and Other Debt Obligation	'
	The following tables present information regarding SCUSA's borrowings and other debt obligations at the date indicated(1):
		March 31, 2014
		Balance		Effective
				Rate
		(in thousands)
	SCUSA warehouse line, due June 2014	$	212,438	1.14	%
	SCUSA warehouse line, maturing on various dates(2)	552,682		1.39
	SCUSA warehouse line, due March 2015(3)	250,594		0.99
	SCUSA warehouse line, due July 2015	317,886		0.93
	SCUSA warehouse line, due September 2015(4)	119,480		2.31
	SCUSA warehouse line, due December 2015	1,399,123		0.94
	SCUSA warehouse line, due December 2015	708,174		0.82
	SCUSA warehouse line, due January 2016(5)	724,888		1.91
	SCUSA warehouse line, due November 2016(6)	175,000		1.7
	SCUSA repurchase facility, maturing on various dates(7)	748,461		1.55
	SCUSA line of credit with related party, due December 2016(8)	500,000		2.44
	SCUSA line of credit with related party, due December 2016(8)	1,750,000		2.11
	SCUSA line of credit with related party, due December 2018(8)	65,000		2.95
	SCUSA line of credit with related party, due December 2018(8)	1,750,000		2.89
	Total SCUSA revolving credit facilities	$	9,273,726	1.8	%
		March 31, 2014
		Balance		Initial Weighted Average Interest Rate Range
		(in thousands)
	SCUSA public securitizations, maturing on various dates(9)	$	11,372,083	0.89% - 2.80%
	SCUSA privately issued amortizing notes, maturing on various dates(9)	4,539,936		1.07% - 1.80%
	Total SCUSA secured structured financings	$	15,912,019	0.89% - 2.80%
	(1) Balances as of December 31, 2013 are not presented due to SCUSA being accounted for as an EMI at that date.
	(2) One-fourth of the outstanding balance on this facility matures in each of the following months: April 2014, November 2014, March 2015 and November 2015.
	(3) This line is collateralized by securitization notes payable retained by SCUSA.
	(4) This line is held exclusively for unsecured consumer term loans.
	(5) This line is held exclusively for Chrysler Capital retail loan and lease financing, with lease financing comprising more than 50% of the outstanding balance upon advance.
	(6) This line is collateralized by residuals retained by SCUSA.
	(7) This repurchase facility is collateralized by securitization bonds and residuals retained by SCUSA. The facility has rolling 30-day and 90-day maturities.
	(8) These lines are collateralized by securitization notes payable and residuals retained by SCUSA. As of March 31, 2014, $2.2 billion of the aggregate outstanding balances on these credit facilities was unsecured.
	(9) SCUSA has entered into various securitization transactions involving their retail automotive installment loans. These transactions are accounted for as secured financings and therefore both the securitized retail installment contracts and the related securitization debt issued by SPE, remain on the Condensed Consolidated Balance Sheet. The maturity of this debt is based on the timing of repayments from the securitized assets.

DERIVATIVES_Tables

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2014
Derivative [Line Items]	'
Schedule of Derivative Instruments, Gain (Loss) in Statement of Financial Performance	'
	The following Condensed Consolidated Statement of Operations line items were impacted by the Company’s derivative activities for the three-month period ended March 31, 2014 and 2013:
					Three-Month Period Ended
	Derivative Activity		Accounts		March 31, 2014			March 31, 2013
					(in thousands)
	Fair value hedges:
	Cross-currency swaps		Miscellaneous income		(681	)		1,746
	Interest rate swaps		Miscellaneous income		735			—
	Cash flow hedges:
	Pay fixed-receive variable interest		Net interest income		(13,685	)		(17,733	)
	rate swaps
	Other derivative activities:
	Forward commitments to sell loans		Mortgage banking income		(2,009	)		(256	)
	Interest rate lock commitments		Mortgage banking income		1,181			(3,719	)
	Mortgage servicing rights		Mortgage banking income		(7,761	)		820
	Customer related derivatives		Miscellaneous income		113			2,388
	Foreign exchange		Miscellaneous income		(911	)		(1,069	)
	SCUSA derivatives		Miscellaneous income		13,025			—
			Net interest income		(1,839	)		—
	Other		Miscellaneous income		(648	)		—
			Net interest income		—			(703	)
Offsetting Assets	'
	Information about financial assets and liabilities that are eligible for offset on the Condensed Consolidated Balance Sheet as of March 31, 2014 and December 31, 2013, respectively, is presented in the following tables:
			Offsetting of Financial Assets
														Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet
			Gross Amounts of Recognized Assets				Gross Amounts Offset in the Condensed Consolidated Balance Sheet				Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet			Financial Instruments				Cash Collateral Received			Net Amount
			(in thousands)
	March 31, 2014
	Fair value hedges		$	1,656			$	—			$	1,656		$	—			$	—		$	1,656
	Cash flow hedges		5,513				—				5,513			—				—			5,513
	Other derivative activities(1)		277,426				29,569				247,857			10,030				15,870			221,957
	Total derivatives subject to a master netting arrangement or similar arrangement		284,595				29,569				255,026			10,030				15,870			229,126
	Total derivatives not subject to a master netting arrangement or similar arrangement(2)		1,750				—				1,750			—				—			1,750
	Total Derivatives Assets		$	286,345			$	29,569			$	256,776		$	10,030			$	15,870		$	230,876
	Total Financial Assets		$	286,345			$	29,569			$	256,776		$	10,030			$	15,870		$	230,876
	31-Dec-13
	Fair value hedges		$	1,073			$	—			$	1,073		$	—			$	—		$	1,073
	Cash flow hedges		4,803				—				4,803			—				—			4,803
	Other derivative activities(1)		249,619				34,394				215,225			3,992				47,706			163,527
	Total derivatives subject to a master netting arrangement or similar arrangement		255,495				34,394				221,101			3,992				47,706			169,403
	Total derivatives not subject to a master netting arrangement or similar arrangement(2)		1,390				—				1,390			—				—			1,390
	Total Derivatives Assets		$	256,885			$	34,394			$	222,491		$	3,992			$	47,706		$	170,793
	Total Financial Assets		$	256,885			$	34,394			$	222,491		$	3,992			$	47,706		$	170,793
	-1	Includes customer-related and other derivatives
	-2	Includes mortgage banking derivatives
Offsetting Liabilities	'
			Offsetting of Financial Liabilities
														Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet
			Gross Amounts of Recognized Liabilities				Gross Amounts Offset in the Condensed Consolidated Balance Sheet				Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet			Financial Instruments				Cash Collateral Pledged			Net Amount
			(in thousands)
	March 31, 2014
	Fair value hedges		$	1,718			$	—			$	1,718		$	—			$	1,162		$	556
	Cash flow hedges		47,029				—				47,029			31,043				30,862			(14,876		)
	Other derivative activities(1)		279,490				29,569				249,921			57,232				108,590			84,099
	Total derivatives subject to a master netting arrangement or similar arrangement		328,237				29,569				298,668			88,275				92,428			69,779
	Total derivatives not subject to a master netting arrangement or similar arrangement(2)		—				—				—			—				—			—
	Total Derivatives Liabilities		$	328,237			$	29,569			$	298,668		$	88,275			$	92,428		$	69,779
	Total Financial Liabilities		$	328,237			$	29,569			$	298,668		$	88,275			$	92,428		$	69,779
	31-Dec-13
	Fair value hedges		$	1,924			$	—			$	1,924		$	—			$	1,311		$	613
	Cash flow hedges		58,381				—				58,381			34,881				40,817			(17,317		)
	Other derivative activities(1)		213,400				34,394				179,006			102,402				37,538			39,066
	Total derivatives subject to a master netting arrangement or similar arrangement		273,705				34,394				239,311			137,283				79,666			22,362
	Total derivatives not subject to a master netting arrangement or similar arrangement(2)		—				—				—			—				—			—
	Total Derivatives Liabilities		$	273,705			$	34,394			$	239,311		$	137,283			$	79,666		$	22,362
	Total Financial Liabilities		$	273,705			$	34,394			$	239,311		$	137,283			$	79,666		$	22,362
	-1	Includes customer-related and other derivatives
	-2	Includes mortgage banking derivatives
Designated as hedging instrument [Member]	'
Derivative [Line Items]	'
Schedule of Derivative Instruments	'
	Derivatives designated as accounting hedges at March 31, 2014 and December 31, 2013 included:
		Notional				Asset				Liability			Weighted Average Receive			Weighted Average Pay			Weighted Average Life
		Amount											Rate			Rate			(Years)
		(dollars in thousands)
	March 31, 2014
	Fair value hedges:
	Cross-currency swaps	$	19,995			$	910			$	1,707		4.76	%		4.75	%		1.86
	Interest rate swaps	172,000				746				11			0.92	%		2.38	%		4.9
	Cash flow hedges:
	Pay fixed — receive floating interest rate swaps	3,295,317				5,513				47,029			0.19	%		2.38	%		2.07
	Total	$	3,487,312			$	7,169			$	48,747		0.25	%		2.39	%		2.2
	December 31, 2013
	Fair Value hedges:
	Cross-currency swaps	$	19,995			$	1,073			$	1,924		4.76	%		4.75	%		2.11
	Cash flow hedges:
	Pay fixed — receive floating interest rate swaps	2,700,312				4,803				58,381			0.24	%		2.46	%		1.89
	Total	$	2,720,307			$	5,876			$	60,305		0.27	%		2.47	%		1.9
Not designated as hedging instrument [Member]	'
Derivative [Line Items]	'
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	'
	Other derivative activities at March 31, 2014 and December 31, 2013 included:
		Notional								Asset derivatives							Liability derivatives
										Fair value							Fair value
		March 31, 2014				December 31, 2013 (1)				March 31, 2014			December 31, 2013 (1)				March 31, 2014			December 31, 2013 (1)
		(in thousands)
	Mortgage banking derivatives:
	Forward commitments to sell loans	$	170,123			$	169,608			$	92		$	2,101			$	—		$	—
	Interest rate lock commitments	130,038				75,787				1,728			547				—			—
	Mortgage servicing rights	670,000				245,000				8,013			6,155				10,108			488
	Total mortgage banking risk management	970,161				490,395				9,833			8,803				10,108			488
	Customer related derivatives:
	Swaps receive fixed	5,986,085				5,665,350				162,949			166,871				19,743			28,561
	Swaps pay fixed	5,956,962				5,661,555				42,114			54,693				157,916			166,473
	Other	1,513,437				1,385,904				3,336			4,247				2,776			3,635
	Total customer related derivatives	13,456,484				12,712,809				208,399			225,811				180,435			198,669
	Other derivative activities:
	Foreign exchange contracts	1,504,329				1,253,395				9,021			11,631				8,060			9,745
	Interest rate swap agreements	8,379,633				—				3,067			—				31,502			—
	Interest rate cap agreements	4,929,458				—				43,599			—				—			—
	Options for interest rate cap agreements	4,929,458				—				—			—				43,680			—
	Other	597,811				291,437				5,257			4,764				5,704			4,496
	Total	$	34,767,334			$	14,748,036			$	279,176		$	251,009			$	279,489		$	213,398

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2014
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]	'
Schedule of Accumulated Other Comprehensive Income (Loss)	'
	The following table presents the components of accumulated other comprehensive income/ (loss), net of related tax, for the three-month period ended March 31, 2014 and 2013, respectively.
		Total Other									Total Accumulated
		Comprehensive Income/(Loss)									Other Comprehensive Income/(Loss)
		For the Three-Month Period									December 31, 2013						March 31, 2014
		Ended March 31, 2014
		Pretax			Tax			Net Activity			Beginning			Net			Ending
		Activity			Effect						Balance			Activity			Balance
		(in thousands)
	Change in accumulated gains/(losses) on cash flow hedge derivative financial instruments	$	(1,648	)	$	586		$	(1,062	)
	Reclassification adjustment for net losses on cash flow hedge derivative financial instruments (1)	13,685			(4,863		)	8,822
	Net unrealized gains/(losses) on cash flow hedge derivative financial instruments	12,037			(4,277		)	7,760			$	(39,423	)	$	7,760		$	(31,663	)
	Change in unrealized gains/(losses) on investment securities available-for-sale	2,566,682			(1,005,159		)	1,561,523
	Reclassification adjustment for net losses included in net income on non-OTTI securities (2)	(2,430,483		)	951,821			(1,478,662		)
	Net unrealized gains on investment securities available-for-sale	136,199			(53,338		)	82,861			(199,392		)	82,861			(116,531		)
	Pension and post-retirement actuarial gain/(loss)(3)	447			115			562			(15,553		)	562			(14,991		)
	As of March 31, 2014	$	148,683		$	(57,500	)	$	91,183		$	(254,368	)	$	91,183		$	(163,185	)
	(1) Net losses reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statement of Operations for settlements of interest rate swap contracts designated as cash flow hedges.
	(2) Net gains reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statement of Operations for the sale of available-for-sale securities.
	(3) Included in the computation of net periodic pension costs.
	NOTE 13. ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (continued)
		Total Other									Total Accumulated
		Comprehensive Income/(Loss)									Other Comprehensive Income/(Loss)
		For the Three-Month Period									December 31, 2012						March 31, 2013
		Ended March 31, 2013
		Pretax			Tax			Net Activity			Beginning			Net			Ending
		Activity			Effect						Balance			Activity			Balance
		(in thousands)
	Change in accumulated gains/(losses) on cash flow hedge derivative financial instruments	$	1,469		$	(15,456	)	$	(13,987	)
	Reclassification adjustment for net losses on cash flow hedge derivative financial instruments	17,401			7,415			24,816
	Net unrealized gains/(losses) on cash flow hedge derivative financial instruments	18,870			(8,041		)	10,829			$	(79,174	)	$	10,829		$	(68,345	)
	Change in unrealized gains/(losses) on investment securities available-for-sale	(32,808		)	71,364			38,556
	Total reclassification adjustment for net gains included in net income	(73,522		)	(29,173		)	(102,695		)
	Net unrealized gains/(losses) on investment securities available-for-sale	(106,330		)	42,191			(64,139		)	160,224			(64,139		)	96,085
	Pension and post-retirement actuarial gain/(loss)	905			(355		)	549			(26,716		)	549			(26,167		)
	As of March 31, 2013	$	(86,555	)	$	33,795		$	(52,761	)	$	54,334		$	(52,761	)	$	1,573

COMMITMENTS_CONTINGENCIES_AND_1

COMMITMENTS, CONTINGENCIES, AND GUARANTEES (Tables)	3 Months Ended
	Mar. 31, 2014
Commitments [Line Items]	'
Schedule of Commitments Amount	'
	The following table details the amount of commitments for the periods indicated:
	Other Commitments	March 31, 2014			31-Dec-13
		(in thousands)
	Commitments to extend credit	$	24,114,452		$	23,651,791
	Credit card lines of credit	834,951			815,573
	Letters of credit	2,321,880			2,116,227
	Recourse and credit enhancement exposure on sold loans	179,914			184,584
	Commitments to sell loans	12,841			3,810
	Total commitments	$	27,464,038		$	26,771,985
Schedule of Representation and Warranty Reserve Activity	'
	The table below represents the activity in the representation and warranty reserve for the dates indicated. The table below represents the activity in the representation and warranty reserve for the dates indicated.
		Three-Month Period
		Ended March 31,
		2014			2013
		(in thousands)
	Beginning Balance	$	54,836		$	50,662
	Provision	193			6,823
	Charge-offs	(4,514		)	(6,778		)
	Ending Balance	$	50,515		$	50,707
Commitments to extend credit [Member]	'
Commitments [Line Items]	'
Schedule of Commitments, by Maturities	'
	The following table details the amount of commitments to extend credit expiring per period as of the dates indicated:
		March 31, 2014			December 31, 2013
		(in thousands)
	One year or less	$	4,935,330		$	5,163,591
	Over 1 year to 3 years	5,515,231			5,716,759
	Over 3 years to 5 years	7,302,105			6,457,992
	Over 5 years	6,361,786			6,313,449
	Total	$	24,114,452		$	23,651,791
Letters of credit [Member]	'
Commitments [Line Items]	'
Schedule of Commitments, by Maturities	'
	The following table details the amount of letters of credit expiring per period as of the dates indicated:
		March 31, 2014			December 31, 2013
		(in thousands)
	One year or less	$	1,686,607		$	1,680,277
	Over 1 year to 3 years	347,331			333,769
	Over 3 years to 5 years	262,318			96,558
	Over 5 years	25,624			5,623
	Total	$	2,321,880		$	2,116,227

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2014
Fair Value Disclosures [Abstract]	'
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	'
	The following tables present the assets and liabilities that are measured at fair value on a recurring basis by major product category and fair value hierarchy as of March 31, 2014 and December 31, 2013.
		Quoted Prices in Active				Significant Other				Significant				Balance at
		Markets for Identical				Observable Inputs				Unobservable Inputs				31-Mar-14
		Assets (Level 1)				(Level 2)				(Level 3)
		(in thousands)
	Financial assets:
	US Treasury and government agency securities	$	—			$	25,000			$	—			$	25,000
	Corporate debt	—				2,235,132				—				2,235,132
	Asset-backed securities	—				1,425,094				1,225,012				2,650,106
	Equity Securities	9,960				—				—				9,960
	State and municipal securities	—				1,888,760				—				1,888,760
	Mortgage backed securities	—				4,885,115				—				4,885,115
	Total investment securities available-for-sale	9,960				10,459,101				1,225,012				11,694,073
	Retail installment contracts held for investment	—				—				1,516,353				1,516,353
	Loans held for sale	—				78,995				—				78,995
	Mortgage servicing rights	—				—				134,775				134,775
	Derivatives:
	Fair value	—				1,656				—				1,656
	Cash Flow	—				5,513				—				5,513
	Mortgage banking interest rate lock commitments	—				—				1,728				1,728
	Mortgage banking forward sell commitments	—				92				—				92
	Customer related	—				208,399				—				208,399
	Foreign exchange	—				9,021				—				9,021
	Mortgage servicing	—				8,013				—				8,013
	Interest rate swap agreements	—				3,067				—				3,067
	Interest rate cap agreements	—				43,599				—				43,599
	Other	—				5,245				12				5,257
	Total financial assets	$	9,960			$	10,822,701			$	2,877,880			$	13,710,541
	Financial liabilities:
	Derivatives:
	Fair value	$	—			$	1,718			$	—			$	1,718
	Cash flow	—				47,029				—				47,029
	Customer related	—				180,435				—				180,435
	Total return swap	—				—				285				285
	Foreign exchange	—				8,060				—				8,060
	Mortgage servicing	—				10,108				—				10,108
	Interest rate swaps	—				31,502				—				31,502
	Option for interest rate cap	—				43,680				—				43,680
	Other	—				5,314				105				5,419
	Total financial liabilities	$	—			$	327,846			$	390			$	328,236
	NOTE 15. FAIR VALUE (continued)
		Quoted Prices in Active				Significant Other				Significant				Balance, December 31, 2013
		Markets for Identical				Observable Inputs				Unobservable Inputs
		Assets (Level 1)				(Level 2)				(Level 3)
		(in thousands)
	Financial assets:
	US Treasury and government agency securities	$	—			$	24,997			$	—			$	24,997
	Corporate debt	—				2,218,180				—				2,218,180
	Asset-backed securities	—				2,679,290				52,940				2,732,230
	Equity securities	9,841				—				—				9,841
	State and municipal securities	—				1,850,149				—				1,850,149
	Mortgage backed securities	—				4,810,843				—				4,810,843
	Total investment securities available-for-sale	9,841				11,583,459				52,940				11,646,240
	Loans held for sale	—				128,949				—				128,949
	Mortgage servicing rights	—				—				141,787				141,787
	Derivatives:
	Fair value	—				1,073				—				1,073
	Cash flow	—				4,803				—				4,803
	Mortgage banking interest rate lock commitments	—				—				547				547
	Mortgage banking forward sell commitments	—				2,101				—				2,101
	Customer related	—				225,811				—				225,811
	Foreign exchange	—				11,631				—				11,631
	Mortgage servicing rights	—				6,155				—				6,155
Other	—				4,750				14				4,764
Total financial assets	$	9,841			$	11,968,732			$	195,288			$	12,173,861
Financial liabilities:
Derivatives:
Fair value	$	—			$	1,924			$	—			$	1,924
Cash flow	—				58,381				—				58,381
Customer related	—				198,669				—				198,669
Total return swap	—				—				285				285
Foreign exchange	—				9,745				—				9,745
Mortgage servicing rights	—				488				—				488
Other	—				4,099				112				4,211
Total financial liabilities	$	—			$	273,306			$	397			$	273,703
Fair Value Measurements, Nonrecurring	'
	Assets measured at fair value on a nonrecurring basis that were still held on the balance sheet were as follows:
		Quoted Prices in Active				Significant Other				Significant				Fair Value
		Markets for				Observable Inputs				Unobservable
		Identical Assets (Level 1)				(Level 2)				Inputs (Level 3)
		(in thousands)
	March 31, 2014
	Impaired loans held for investment	$	—			$	63,176			$	71,397			$	134,573
	Foreclosed assets	—				20,476				—				20,476
	Repossessed vehicle inventory	—				137,648				—				137,648
	December 31, 2013
	Impaired loans held for investment	$	—			$	149,796			$	137,356			$	287,152
	Foreclosed assets	—				57,431				—				57,431
Increases and Decreases in Value of Certain Assets Measured at Fair Value on Nonrecurring Basis	'
	The following table presents the increases and decreases in value of certain assets that are measured at fair value on a nonrecurring basis for which a fair value adjustment has been included in the Condensed Consolidated Statements of Operations relating to assets held at period-end:
		Statement of Operations		Three-Month Period
		Location		Ended March 31,
				(in thousands)
				2014				2013
	Impaired loans held for investment	Provision for credit losses		$	(2,809	)		$	15,432
	Foreclosed assets	Other administrative expense		(223		)		(1,544		)
	Repossessed vehicle inventory	Provision for credit losses		104,934				—
				$	101,902			$	13,888
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	'
	The tables below present the changes in all Level 3 balances for the three-month period ended March 31, 2014 and 2013, respectively.
	Three-Month Period Ended March 31, 2014
		Investments				Retail Installment Contracts Held for Investment				MSRs				Derivatives			Total
		Available-for-sale
		(in thousands)
	Balance, December 31, 2013	$	52,940			$	—			$	141,787			$	164		$	194,891
	Gains in other comprehensive income	1,048				—				—				—			1,048
	Gains/(losses) in earnings	—				144,053				(4,459		)		1,046			140,640
	Additions/Issuances	—				1,870,383				1,874				—			1,872,257
	Settlements(1)	(436		)		(498,083		)		(4,427		)		140			(502,806		)
	Transfers into level 3	1,171,460				—				—				—			1,171,460
	Asset Balance, March 31, 2014	$	1,225,012			$	1,516,353			$	134,775			$	1,350		$	2,877,490
	Changes in unrealized losses included in earnings related to balances still held at March 31, 2014	$	—			$	—			$	(4,459	)		$	(135	)	$	(4,594	)
	-1	Settlements include charge-offs, prepayments, paydowns and maturities.
	NOTE 15. FAIR VALUE (continued)
	Three-Month Period Ended March 31, 2013
		Investments				MSRs				Derivatives				Total
		Available for Sale
		(in thousands)
	Asset Balance, December 31, 2012	$	43,374			$	92,512			$	14,722			$	150,608
	Gains in other comprehensive income	1,856				—				—				1,856
	Gains/(losses) in earnings	—				10,096				(3,803		)		6,293
	Additions/Issuances	—				13,172				—				13,172
	Settlements(1)	(412		)		(6,617		)		103				(6,926		)
	Asset Balance, March 31, 2013	$	44,818			$	109,163			$	11,022			$	165,003
	Changes in unrealized gains (losses) included in earnings related to balances still held at	$	—			$	10,096			$	(83	)		$	10,013
	31-Mar-13
	(1) Settlements include prepayments, paydowns and maturities
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques	'
	The following table presents quantitative information about the significant unobservable inputs within significant Level 3 recurring assets and liabilities.
		Fair Value at March 31, 2014				Valuation Technique		Unobservable Inputs		Range
										(Weighted Average)
		(in thousands)
	Financial Assets:
	Asset-backed securities
	Financing Bonds	$	1,171,460			Discounted Cash Flow		Discount Rate (1)		0.53%-2.35% (1.44%)
	Sale-leaseback securities	$	53,552			Consensus Pricing (2)		Offered quotes (3)		135.68	%
	Retail installment contracts held for investment	$	1,516,353			Discounted Cash Flow		ABS (4)		40	%
								Prepayment rate (CPR) (5)		11	%
								Discount Rate (6)		5.29%-12.00% (6.85%)
								Recovery Rate (7)		25.00%-45.00% (41.00%)
	Mortgage servicing rights	$	134,775			Discounted Cash Flow		Prepayment rate (CPR) (8)		0.35%-43.58% (9.05%)
								Discount Rate (9)		9.55	%
	Mortgage banking interest rate lock commitments	$	1,728			Discounted Cash Flow		Pull through percentage (10)		76.46	%
								MSR value (11)		0.740%-1.160% (1.12%)
	(1) Based on the applicable term and discount index.
	(2) Consensus pricing refers to fair value estimates that are generally developed using information such as dealer quotes or other third-party valuations or comparable asset prices.
	(3) Based on the nature of the input, a range or weighted average does not exist. For sale-lease back securities, the Company owns one security.
	(4) Based on the historical default rate and adjustments to reflect voluntary prepayments.
	(5) Based on the analysis of available data from a comparable market securitization of similar assets.
	(6) Based on the cost of funding of debt issuance and recent historical equity yields.
	(7) Based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool.
	(8) Average CPR projected from collateral stratified by loan type, note rate and maturity.
	(9) Based on the nature of the input, a range or weighted average does not exist.
	(10) Historical weighted average based on principal balance calculated as the percentage of loans originated for sale divided by total commitments less outstanding commitments.
	(11) MSR value is the estimated value of the servicing right embedded in the underlying loan, expressed in basis points of outstanding unpaid principal balance.
Fair Value, by Balance Sheet Grouping	'
	Fair Value of Financial Instruments
		March 31, 2014
		Carrying Value				Fair Value				Level 1				Level 2			Level 3
		(in thousands)
	Financial assets:
	Cash and amounts due from depository institutions	$	3,485,572			$	3,485,572			$	3,485,572			$	—		$	—
	Available-for-sale investment securities	11,694,073				11,694,073				9,960				10,459,101			1,225,012
	Debentures of FHLB, FNMA and FHLMC	19,910				20,000				—				20,000			—
	Loans held for investment, net	72,952,024				73,831,529				—				63,176			73,768,353
	Loans held for sale	250,461				255,420				176,425				78,995			—
	Restricted Cash	1,912,244				1,912,244				1,912,244				—			—
	Mortgage servicing rights	134,775				134,775				—				—			134,775
	Derivatives	286,345				286,345				—				284,605			1,740
	Financial liabilities:
	Deposits	50,044,848				50,113,822				42,348,749				7,765,073			—
	Borrowings and other debt obligations	34,766,697				35,521,696				—				26,247,970			9,273,726
	Derivatives	328,236				328,236				—				327,846			390
		December 31, 2013
		Carrying Value				Fair Value				Level 1				Level 2			Level 3
		(in thousands)
	Financial assets:
	Cash and amounts due from depository institutions	$	4,226,947			$	4,226,947			$	4,226,947			$	—		$	—
	Available-for-sale investment securities	11,646,240				11,646,240				9,841				11,583,459			52,940
	Debentures of FHLB, FNMA and FHLMC	19,862				20,000				—				20,000			—
	Loans held for investment, net	49,087,340				49,307,888				—				149,796			49,158,092
	Loans held for sale	128,949				128,949				—				128,949			—
	Restricted Cash	97,397				97,397				97,397				—			—
	Mortgage servicing rights	141,787				141,787				—				—			141,787
	Derivatives	256,885				256,885				—				256,324			561
	Financial liabilities:
	Deposits	49,521,406				49,609,846				41,382,336				8,227,510			—
	Borrowings and other debt obligations	12,376,624				13,210,300				—				13,210,300			—
	Derivatives	273,703				273,703				—				273,306			397
Fair Value, Option, Quantitative Disclosures	'
	The following table summarizes the difference between the fair value and the principal balance for residential mortgage loans and retail installment contracts measured at fair value as of March 31, 2014.
			Fair Value				Aggregate Unpaid Principal Balance				Difference
			(in thousands)
	Residential mortgage loans held for sale		$	78,995			$	78,192			$	803
	Nonaccrual loans		—				—				—
	Retail installment contracts held for investment		$	1,516,353			$	2,034,155			$	(517,802	)
	Nonaccrual loans		116,283				259,892				(143,609		)

BUSINESS_SEGMENT_INFORMATION_T

BUSINESS SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2014
Segment Reporting [Abstract]	'
Schedule of Segment Reporting Information, by Segment [Table Text Block]	'
	The following tables present certain information regarding the Company’s segments. Dollars in thousands.
	For the Three-Month Period Ended	SHUSA excluding SCUSA													Non-GAAP measure (4)
	March 31, 2014	Retail Banking	Auto Finance & Alliances		Investment Services	Real Estate & Commercial Banking		Specialty & Government Banking		GBM & Large Corporate Banking		Other(2)			SCUSA (3)	SCUSA Purchase Price Adjustments		Eliminations		Total
	Net interest income	215,506	7,157		1	105,413		23,111		41,555		(9,694	)		1,062,202	70,991		(344,137	)	1,172,105
	Total non-interest income	74,433	5,939		12,985	22,771		3,264		22,427		28,074			239,599	83,228		(60,003	)	432,717
	Gain on change in control	—	—		—	—		—		—		—			—	2,428,539		—		2,428,539
	Provision/(release) for credit losses	9,210	(1,247	)	—	4,495		1,414		2,438		(16,310	)		698,579	(137,794	)	(225,455	)	335,330
	Total expenses	237,462	7,940		9,461	38,519		8,727		16,194		133,325			473,715	90,549		(245,611	)	770,281
	Income/(loss) before income taxes	43,267	6,403		3,525	85,170		16,234		45,350		(98,635	)		129,507	2,630,003		66,926		2,927,750
	Intersegment (expense)/ revenue(1)	65,051	(1,090	)	1	(88,515	)	1,845		(9,076	)	31,784			—	—		—		—
	Total average assets	18,795,973	1,184,957		960	20,756,002		2,782,206		8,438,934		26,105,791			27,643,575	—		(8,928,268	)	96,780,130
	-1	Intersegment revenue/ (expense) represents charges or credits for funds used or provided by each of the segments and is included in net interest income.
	-2	Other is not considered a segment and includes earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses.
	-3	Management of SHUSA manages SCUSA by analyzing the pre-Change in Control results of SCUSA as disclosed in this column.
	-4	Purchase Price Adjustments represents the impact that SCUSA purchase marks had on the results of SCUSA included within the consolidated operations of SHUSA, while eliminations adjust for the one month that SHUSA accounted for SCUSA as an equity method investment and eliminate intercompany transactions.
	NOTE 16. BUSINESS SEGMENT INFORMATION (continued)
	For the Three-
	Month Period
	Ended
	March 31, 2013	Retail Banking	Auto Finance		Investment Services	Real Estate & Commercial Banking		Specialty & Government Banking		GBM & Large Corporate Banking		Other(2)		Equity method investment in SCUSA		Total
			& Alliances
	Net interest income	184,283	3,959		1	95,893		23,690		40,721		47,471		—		396,018
	Total non-interest income	96,771	228		10,829	25,374		2,682		25,305		70,110		188,521		419,820
	Provision/(release) for credit losses	47,697	(335	)	—	(15,895	)	30		5,477		(20,124	)	—		16,850
	Total expenses	213,623	546		8,093	36,047		7,076		12,622		132,813		—		410,820
	Income/(loss) before income taxes	19,734	3,976		2,737	101,115		19,266		47,927		4,892		188,521		388,168
	Intersegment revenue/(expense)(1)	17,905	(895	)	1	(97,806	)	(130	)	(12,661	)	93,586		—		—
	Total average assets	20,619,141	712,540		1,689	20,009,717		2,578,293		8,520,883		31,931,711		—		84,373,974
	-1	Intersegment revenue/ (expense) represents charges or credits for funds used or provided by each of the segments and are included in net interest income.
	-2	Other is not considered a segment and includes earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses.

BASIS_OF_PRESENTATION_AND_ACCO3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Details) (USD $)	0 Months Ended	3 Months Ended		12 Months Ended
	Jan. 28, 2014	Mar. 31, 2014		Dec. 31, 2013
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Federal Home Loan Bank Stock, par value (in usd per share)	'	$100		100
Impaired loans, minimum commercial non-accrual loans	'	$1,227,702,000		1,430,588,000
Period of time not resulting loan identified as impaired	'	'		'90 days
Goodwill recognized	'	5,485,196,000		'
OREO and other repossessed assets	'	232,300,000		91,700,000
Commercial loans and consumer loans [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Minimum days of loan payment delinquent that interest income not recognized	'	'		'90 days
Retail installment contracts [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Threshold period past due for charged-off of loans	'	'120 days		'
Credit card receivable [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Minimum days of loan payment delinquent that interest income not recognized	'	'180 days		'180 days
Threshold period after receipt of notification of death or bankruptcy	'	'60 days		'
Consumer loan [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Threshold period past due for charged-off of loans	'	'		'180 days
Consumer loans not secured by real estate [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Threshold period past due for charged-off of loans	'	'		'120 days
Auto loans [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Threshold period past due for charged-off of loans	'	'		'121 days
Unsecured revolving loan [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Threshold period past due for charged-off of loans	'	'180 days		'
Term loan [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Threshold period past due for charged-off of loans	'	'120 days		'
Automobiles [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'5 years		'
Minimum [Member] | Commercial loan [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Impaired loans, minimum commercial non-accrual loans	'	'		1,000,000
Minimum [Member] | Office building [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'10 years		'
Minimum [Member] | Leasehold improvements [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'10 years	[1]	'
Minimum [Member] | Software [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'3 years	[2]	'
Minimum [Member] | Furniture, fixtures and equipment [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'3 years		'
Maximum [Member] | Office building [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'30 years		'
Maximum [Member] | Leasehold improvements [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'30 years	[1]	'
Maximum [Member] | Software [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'5 years	[2]	'
Maximum [Member] | Furniture, fixtures and equipment [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Premises and equipment, useful lives	'	'10 years		'
Other Assets [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Amount reclassified to Core Deposit Intangibles and Other Intangibles	'	'		34,600,000
SCUSA [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Ownership percentage before sale of stock	'	'		65.00%
Number of shares issued	13,895,243	'		'
Ownership percentage after sale of stock	61.00%	'		'
Goodwill recognized	'	5,485,196,000		'
Intangible assets recognized	'	$478,800,000		'
SCUSA [Member] | IPO [Member]	'	'		'
Basis of Presentation and Accounting Policies [Line Items]	'	'		'
Number of shares issued	85,242,042	'		'
[1]	Leasehold improvements are depreciated over the shorter of the useful lives of the assets or the remaining term of the leases. The useful life of the leasehold improvements may be extended beyond the base term of the lease contract when the lease contract includes renewal option period(s) that are reasonably assured of being exercised at the date the leasehold improvements are purchased. At no point does the depreciable life exceed the economic useful life of the leasehold improvement or the expected term of the lease contract.
[2]	Standard depreciable period for software is three years. However, for larger software implementation projects, a five-year period is utilized. For the 2012 information technology ("IT") transformation, the Company utilized a depreciable period of five years.

RECENT_ACCOUNTING_DEVELOPMENTS1

RECENT ACCOUNTING DEVELOPMENTS Recent Accounting Developments (Details) (Accounting Standards Update 2013-11 [Member], USD $)	3 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2014
Accounting Standards Update 2013-11 [Member]	'
New Accounting Pronouncements or Change in Accounting Principle [Line Items]	'
Change in deferred tax asset	$93.90

BUSINESS_COMBINATIONS_Consolid

BUSINESS COMBINATIONS (Consolidated Assets Acquired and Liabilities Assumed) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Jan. 28, 2014	Jan. 28, 2014	Jan. 28, 2014
			SCUSA [Member]	SCUSA [Member]	SCUSA [Member]
				Stock compensation expense [Member]	Noncontrolling interest [Member]
Business Acquisition [Line Items]	'	'	'	'	'
Fair value of noncontrolling interest in SCUSA	'	'	$3,273,265,000	'	'
Fair value of SCUSA employee vested stock options	'	'	210,181,000	'	'
Fair value of SHUSA remaining ownership interest in SCUSA	'	'	5,063,881,000	'	'
Fair value of equity related interests in SCUSA	'	'	8,547,327,000	'	'
Recognized amounts of identifiable assets acquired and liabilities assumed:	'	'	'	'	'
Cash and cash equivalents	'	'	11,075,000	'	'
Restricted Cash	'	'	1,704,906,000	'	'
Loan receivables - held for sale	'	'	990,137,000	'	'
Loan receivables - autos	'	'	19,870,790,000	'	'
Loan receivables from dealers	'	'	102,689,000	'	'
Loan receivables - unsecured	'	'	1,009,896,000	'	'
Premises and equipment	'	'	74,998,000	'	'
Leased vehicles, net	'	'	2,518,285,000	'	'
Intangibles	'	'	768,750,000	'	'
Miscellaneous receivables and other assets	'	'	1,061,351,000	'	'
Borrowings and other debt obligations	'	'	-24,497,607,000	'	'
Deferred tax liability	'	'	-1,215,000	'	'
Accounts payable and accrued liabilities	'	'	-551,924,000	'	'
Total identifiable net assets	'	'	3,062,131,000	'	'
Goodwill	8,909,625,000	3,431,481,000	5,485,196,000	'	'
Stock options awards outstanding, fair value	'	'	354,300,000	144,100,000	210,200,000
Stock compensation expense immediately recognized	'	'	$82,600,000	'	'

BUSINESS_COMBINATIONS_Fair_Val

BUSINESS COMBINATIONS (Fair Value of Loans Acquired) (Details) (SCUSA [Member], USD $)	Jan. 28, 2014
In Thousands, unless otherwise specified
SCUSA [Member]	'
Business Acquisition [Line Items]	'
Fair value of loan receivables	$19,870,790	[1]
Gross contractual amount of loan receivables	31,410,699	[1]
Estimate of contractual cash flows not expected to be collected at acquisition	$4,301,586	[1]
[1]	Fair value of receivables does not include amounts related to the loan receivables - unsecured and loan receivables from dealers due to the short-term and revolving nature of the receivables.

BUSINESS_COMBINATIONS_FiniteLi

BUSINESS COMBINATIONS (Finite-Lived and Indefinite-Lived Intangible Assets Acquired) (Details) (SCUSA [Member], USD $)	3 Months Ended		0 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Jan. 28, 2014	Jan. 28, 2014	Jan. 28, 2014		Jan. 28, 2014	Jan. 28, 2014	Jan. 28, 2014
			Trade name [Member]	Dealer networks [Member]		Dealer networks [Member]	Dealer networks [Member]	Chrysler relationship [Member]
						Minimum [Member]	Maximum [Member]
Business Acquisition [Line Items]	'	'	'	'		'	'	'
Intangibles subject to amortization, Net Carrying Amount	$478,800	'	'	$580,000		'	'	$138,750
Intangibles not subject to amortization, Net Carrying Amount	'	'	50,000	'		'	'	'
Total Intangibles, Net Carrying Amount	'	$768,750	'	'		'	'	'
Intangibles subject to amortization, Weighted Average Amortization Period	'	'	'	'17 years 6 months	[1]	'7 years	'20 years	'9 years 2 months 12 days
[1]	he amortization periods of the dealer network range between 7 and 20 years.

BUSINESS_COMBINATIONS_Gain_in_

BUSINESS COMBINATIONS (Gain in Change in Control) (Details) (USD $)	3 Months Ended		0 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Jan. 28, 2014
			SCUSA [Member]
Business Acquisition [Line Items]	'	'	'
Gain attributable to SCUSA shares sold	$137,536	$0	$137,536
Gain attributable to the remaining equity interest	'	'	2,291,003
Total pre-tax gain	'	'	$2,428,539
Number of shares issued	'	'	13,895,243

BUSINESS_COMBINATIONS_Pro_Form

BUSINESS COMBINATIONS (Pro Forma Information) (Details) (USD $)	0 Months Ended	3 Months Ended
In Thousands, unless otherwise specified	Jan. 28, 2014	Mar. 31, 2014		Mar. 31, 2013
Business Acquisition [Line Items]	'	'		'
SCUSA Amounts Included, Total Revenue, Net of Total Interest Expense	'	$1,172,105	[1]	$396,018
SCUSA Amounts Included, Net Income	'	1,769,903		285,498
Gain attributable to SCUSA shares sold	'	137,536		0
SCUSA [Member]	'	'		'
Business Acquisition [Line Items]	'	'		'
SCUSA Amounts Included, Total Revenue, Net of Total Interest Expense	'	1,066,725	[2]	'
SCUSA Amounts Included, Net Income	'	238,066		'
Supplemental Pro Forma, Total Revenue, Net of Total Interest Expense	'	1,930,714	[2]	4,136,947	[2],[3]
Supplemental Pro Forma, Net Income	'	105,669	[4]	2,254,868	[3]
Gain attributable to SCUSA shares sold	137,536	'		'
SCUSA [Member] | Combined Total Revenue, Net of Total Interest Expense [Member]	'	'		'
Business Acquisition [Line Items]	'	'		'
Gain attributable to SCUSA shares sold	'	'		2,430,000
SCUSA [Member] | Net Income (Loss) [Member]	'	'		'
Business Acquisition [Line Items]	'	'		'
Gain attributable to SCUSA shares sold	'	'		$1,530,000
[1]	Purchase Price Adjustments represents the impact that SCUSA purchase marks had on the results of SCUSA included within the consolidated operations of SHUSA, while eliminations adjust for the one month that SHUSA accounted for SCUSA as an equity method investment and eliminate intercompany transactions.
[2]	Total Revenue, Net of Total Interest Expense is calculated as the sum of Total Interest Income and Total Non-Interest Income, less Total Interest Expense.
[3]	Included within the Supplemental Pro Forma - Combined Total Revenue, Net of Total Interest Expense and Net Income for the three months ended March 31, 2013 is a non-recurring gain of $2.43 billion and $1.53 billion, respectively, that arose on the remeasurment of SHUSA's equity method investment in SCUSA to fair value. January 28, 2014 Net CarryingAmountWeighted Average Amortization Period (dollars in thousands) Intangibles subject to amortization: Dealer network $290,0007 years20 years17.5 yearsChrysler relationship 138,750P9Y2M12D Intangibles not subject to amortization: Trade name 50,000indefinite lived Total Intangibles $478,750 (a) - The amortization periods of the dealer network range between 7 and 20 years.
[4]	Includes the impact of recording provision for loan losses necessary to bring the retail installment contracts and personal unsecured loans to their expected carrying values considering the required allowance for loan losses on their recorded investment amounts. See Note 1 for a related discussion of the Company's accounting policy specific to these loans.

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	$11,882,433		$11,970,063
Gross Unrealized Gains	95,281		67,095
Gross Unrealized Loss	-283,641		-390,918
Fair Value	11,694,073		11,646,240
US Treasury and government agency securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	24,999		24,993
Gross Unrealized Gains	1		4
Gross Unrealized Loss	0		0
Fair Value	25,000		24,997
Corporate debt securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	2,202,808		2,195,004
Gross Unrealized Gains	40,101		35,611
Gross Unrealized Loss	-7,777		-12,435
Fair Value	2,235,132		2,218,180
Asset-backed securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	2,631,366		2,727,235
Gross Unrealized Gains	22,313		9,345
Gross Unrealized Loss	-3,573		-4,350
Fair Value	2,650,106		2,732,230
Equity securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	10,401		10,331
Gross Unrealized Gains	0		0
Gross Unrealized Loss	-441		-490
Fair Value	9,960		9,841
State and municipal securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	1,888,953		1,891,996
Gross Unrealized Gains	31,057		20,515
Gross Unrealized Loss	-31,250		-62,362
Fair Value	1,888,760		1,850,149
Mortgage-backed securities, U.S. government agencies [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	1,925,907		1,904,178
Gross Unrealized Gains	289		134
Gross Unrealized Loss	-65,782		-103,889
Fair Value	1,860,414		1,800,423
Mortgage-backed securities, FHLMC and FNMA debt securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	3,184,271	[1]	3,202,428	[1]
Gross Unrealized Gains	1,520	[1]	1,486	[1]
Gross Unrealized Loss	-174,814	[1]	-207,392	[1]
Fair Value	3,010,977	[1]	2,996,522	[1]
Mortgage-backed securities, Non-agency securities [Member]	'		'
Schedule of Available-for-sale Securities [Line Items]	'		'
Amortized Cost	13,728		13,898
Gross Unrealized Gains	0		0
Gross Unrealized Loss	-4		0
Fair Value	$13,724		$13,898
[1]	Federal Home Loan Mortgage Company ("FHLMC") and Federal National Mortgage Association ("FNMA")

INVESTMENT_SECURITIES_Securiti

INVESTMENT SECURITIES (Securities Pledged as Collateral) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Millions, unless otherwise specified
Financial Instruments Owned and Pledged as Collateral [Line Items]	'	'
Securities pledged as collateral, fair value	$3,890	$3,615
Public fund deposits [Member]	'	'
Financial Instruments Owned and Pledged as Collateral [Line Items]	'	'
Securities pledged as collateral, fair value	2,881.20	2,606.80
Repurchase agreements, hedging activities and recourse on loan sales [Member]	'	'
Financial Instruments Owned and Pledged as Collateral [Line Items]	'	'
Securities pledged as collateral, fair value	384.5	445.9
Overnight customer deposits [Member]	'	'
Financial Instruments Owned and Pledged as Collateral [Line Items]	'	'
Securities pledged as collateral, fair value	$624.30	$562.30

INVESTMENT_SECURITIES_Concentr

INVESTMENT SECURITIES (Concentration Risk) (Details) (Geographic concentration risk [Member], Total available-for-sale securities [Member])	3 Months Ended
	Mar. 31, 2014
Texas [Member]	'
Concentration Risk [Line Items]	'
Concentration risk, percentage	14.70%
Florida [Member]	'
Concentration Risk [Line Items]	'
Concentration risk, percentage	12.30%
California [Member]	'
Concentration Risk [Line Items]	'
Concentration risk, percentage	10.60%
Washington [Member]	'
Concentration Risk [Line Items]	'
Concentration risk, percentage	10.90%

INVESTMENT_SECURITIES_Contract

INVESTMENT SECURITIES (Contractual Maturity of Debt Securities) (Details) (USD $)	Mar. 31, 2014
In Thousands, unless otherwise specified
Amortized Cost	'
Due within one year	$498,361
Due after 1 year but within 5 years	3,026,469
Due after 5 years but within 10 years	1,159,424
Due after 10 years	7,187,778
Total	11,872,032
Fair Value	'
Due within one year	501,591
Due after 1 year but within 5 years	3,073,654
Due after 5 years but within 10 years	1,159,019
Due after 10 years	6,949,849
Total	$11,684,113

INVESTMENT_SECURITIES_Gross_Un

INVESTMENT SECURITIES (Gross Unrealized Loss and Fair Value of Securities Available for Sale) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	$5,662,003		$6,182,194
12 months or longer, Fair Value	1,372,167		1,023,099
Total, Fair Value	7,034,170		7,205,293
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-201,958		-307,072
12 months or longer, Unrealized Losses	-81,683		-83,846
Total, Unrealized Losses	-283,641		-390,918
Corporate debt securities [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	745,036		743,041
12 months or longer, Fair Value	118,512		32,020
Total, Fair Value	863,548		775,061
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-3,850		-10,868
12 months or longer, Unrealized Losses	-3,927		-1,567
Total, Unrealized Losses	-7,777		-12,435
Asset-backed securities [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	664,254		803,685
12 months or longer, Fair Value	41,349		24,316
Total, Fair Value	705,603		828,001
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-3,272		-4,111
12 months or longer, Unrealized Losses	-301		-239
Total, Unrealized Losses	-3,573		-4,350
Equity securities [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	5,066		5,020
12 months or longer, Fair Value	4,833		4,797
Total, Fair Value	9,899		9,817
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-166		-188
12 months or longer, Unrealized Losses	-275		-302
Total, Unrealized Losses	-441		-490
State and municipal securities [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	404,396		710,456
12 months or longer, Fair Value	232,184		126,345
Total, Fair Value	636,580		836,801
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-15,371		-45,972
12 months or longer, Unrealized Losses	-15,879		-16,390
Total, Unrealized Losses	-31,250		-62,362
Mortgage-backed securities, U.S. government agencies [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	1,701,971		1,648,691
12 months or longer, Fair Value	121,190		139,791
Total, Fair Value	1,823,161		1,788,482
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-60,098		-94,937
12 months or longer, Unrealized Losses	-5,684		-8,952
Total, Unrealized Losses	-65,782		-103,889
Mortgage-backed securities, FHLMC and FNMA debt securities [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	2,127,659		2,271,301
12 months or longer, Fair Value	854,099		695,830
Total, Fair Value	2,981,758		2,967,131
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-119,197		-150,996
12 months or longer, Unrealized Losses	-55,617		-56,396
Total, Unrealized Losses	-174,814	[1]	-207,392	[1]
Mortgage-backed securities, Non-agency securities [Member]	'		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]	'		'
Less than 12 months, Fair Value	13,621		'
12 months or longer, Fair Value	0		'
Total, Fair Value	13,621		'
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses [Abstract]	'		'
Less than 12 months, Unrealized Losses	-4		'
12 months or longer, Unrealized Losses	0		'
Total, Unrealized Losses	($4)		$0
[1]	Federal Home Loan Mortgage Company ("FHLMC") and Federal National Mortgage Association ("FNMA")

INVESTMENT_SECURITIES_OtherTha

INVESTMENT SECURITIES (Other-Than-Temporary Impairment) (Details)	Mar. 31, 2014
	Security
Investments, Debt and Equity Securities [Abstract]	'
Number of securities in unrealized loss position	288

INVESTMENT_SECURITIES_Gains_Lo

INVESTMENT SECURITIES (Gains (Losses) and Proceeds on Sale of Securities) (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Available-for-sale Securities, Gross Realized Gain (Loss), Disclosures [Abstract]	'	'
Proceeds from the sales of available-for-sale securities	$88,113,000	$2,587,183,000
Gross realized gains	1,944,000	73,524,000
Gross realized losses	0	-2,000
OTTI	0	0
Net realized gains	1,944,000	73,522,000
Net gain recognized in earnings	2,430,483,000	73,522,000
Corporate debt securities [Member]	'	'
Available-for-sale Securities, Gross Realized Gain (Loss), Disclosures [Abstract]	'	'
Investment securities sold during the period	'	905,700,000
Realized investment gain (loss)	'	34,700,000
Collateralized mortgage obligations [Member]	'	'
Available-for-sale Securities, Gross Realized Gain (Loss), Disclosures [Abstract]	'	'
Investment securities sold during the period	'	1,300,000,000
Realized investment gain (loss)	'	$33,400,000

INVESTMENT_SECURITIES_Other_In

INVESTMENT SECURITIES (Other Investments) (Details) (USD $)	3 Months Ended
In Millions, except Per Share data, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Investments, Debt and Equity Securities [Abstract]	'	'
Accrued investment income receivable	$57.80	$60.50
Stock of Federal Home Loan Bank of Pittsburgh and the Federal Reserve Board	717.1	800.5
Federal Home Loan Bank Stock, par value (in usd per share)	$100	$100
Sale of Federal Home Loan Bank stock	154.1	'
Federal Home Loan Bank CD, at carrying value	$19.90	$19.90

LOANS_AND_ALLOWANCE_FOR_CREDIT2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2014		Dec. 31, 2013
Loans Receivable [Line Items]	'		'
TDRs, number of days past due after modification considered to have subsequently defaulted	'90 days		'
Loans pledged as collateral	$54,800,000,000		$36,200,000,000
Direct and leveraged lease financing amount	1,000,000,000		1,000,000,000
Loans held-for-sale	250,461,000	[1]	128,949,000	[1]
Accrued interest receivable	494,448,000		195,782,000
Troubled debt restructurings	1,133,106,000		1,003,643,000
Multi-family loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Purchase of loans	816,500,000		'
Loans receivable [Member]	'		'
Loans Receivable [Line Items]	'		'
Accrued interest receivable	436,600,000		135,300,000
Performing [Member]	'		'
Loans Receivable [Line Items]	'		'
Interest income earned on troubled debt restructurings	7,700,000		42,000,000
Troubled debt restructurings	$787,485,000		$656,606,000
Retail installment contracts [Member]	'		'
Loans Receivable [Line Items]	'		'
TDRs, number of days past due after modification considered to have subsequently defaulted	'120 days		'
[1]	Recorded at the fair value option or lower of cost or fair value.

LOANS_AND_ALLOWANCE_FOR_CREDIT3

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Loan and Lease Portfolio Composition) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
Loans Receivable [Line Items]	'		'
Loans held for investment	$74,062,616,000	[1]	$49,921,677,000	[1]
Loans held for investment with fixed rate of interest	46,494,515,000		23,431,663,000
Loans held for investment with variable rate of interest	27,568,101,000		26,490,014,000
Loans held for investment, percent of total loans	100.00%	[1]	100.00%	[1]
Loans held for investment with fixed rate of interest, percent of total loans	62.80%		46.90%
Loans held for investment with variable rate of interest, percent of total loans	37.20%		53.10%
Loans held for investment, deferred income	-2,700,000,000		122,600,000
Commercial [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	34,265,839,000		32,151,222,000
Loans held for investment, percent of total loans	46.20%		64.40%
Commercial [Member] | Commercial real estate loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	8,934,116,000		9,303,885,000
Loans held for investment, percent of total loans	12.10%		18.60%
Commercial [Member] | Commercial and industrial loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	14,163,791,000		12,820,417,000
Loans held for investment, percent of total loans	19.10%		25.70%
Commercial [Member] | Multi-family loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	9,365,927,000		8,237,029,000
Loans held for investment, percent of total loans	12.60%		16.50%
Commercial [Member] | Other commercial [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	1,802,005,000	[2]	1,789,891,000	[2]
Loans held for investment, percent of total loans	2.40%	[2]	3.60%	[2]
Consumer [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	39,796,777,000		17,770,455,000
Loans held for investment, percent of total loans	53.80%		35.60%
Consumer loans secured by real estate [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	$15,758,996,000		$15,872,881,000
Loans held for investment, percent of total loans	21.30%		31.80%
Consumer loans secured by real estate [Member] | Residential mortgages [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment, percent of total loans	12.90%		19.20%
Consumer loans secured by real estate [Member] | Home equity loans and lines of credit [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment, percent of total loans	8.40%		12.60%
Consumer loans not secured by real estate [Member] | Retail installment contracts and auto loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment, percent of total loans	28.30%		0.20%
Consumer loans not secured by real estate [Member] | Personal unsecured loan [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment, percent of total loans	2.10%		1.00%
Consumer loans not secured by real estate [Member] | Other consumer [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment, percent of total loans	2.10%	[3]	2.60%	[3]
[1]	Total loans held for investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments. These items resulted in a net decrease in loan balances of $2.7 billion as of March 31, 2014 and a net increase in loan balances of $122.6 million as of December 31, 2013, respectively. The significant fluctuation between periods is due to the purchase accounting marks resulting from the Change in Control of SCUSA.
[2]	Other commercial primarily includes commercial equipment vehicle funding leases and loans.
[3]	Other consumer primarily includes recreational vehicles and marine loans.

LOANS_AND_ALLOWANCE_FOR_CREDIT4

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Rollforward of Allowance for Credit Losses) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013		Dec. 31, 2013
Allowance for Loan Losses [Roll Forward]	'		'		'
Allowance for loan losses, beginning of period	$834,337		$1,013,469		'
Charge-offs	-177,338		-91,033		'
Recoveries	78,263		31,806		'
Charge-offs, net of recoveries	-99,075		-59,227		'
Provision for loan losses	-375,330		16,850		'
Allowance for loan losses, end of period	1,110,592		971,092		'
Reserve for Unfunded Lending Commitments [Roll Forward]	'		'		'
Reserve for unfunded lending commitments, beginning of period	220,000		'		'
(Release of)/ provision for unfunded lending commitments	-40,000		0		'
Reserve for unfunded lending commitments, end of period	180,000		210,000		'
Total allowance for credit losses, end of period	1,290,592		1,181,092		'
Allowance for Credit Loss, Additional Information [Abstract]	'		'		'
Ending balance, individually evaluated for impairment	457,481	[1]	451,151	[1]	'
Ending balance, collectively evaluated for impairment	833,111		729,941		'
Total financing receivables	74,313,077		52,424,082		50,050,626
Ending balance, evaluated at fair value	1,766,814	[2]	671,023	[2]	'
Ending balance, individually evaluated for impairment	1,221,296	[1]	1,319,319	[1]	'
Financing receivables, ending balance, collectively evaluated for impairment	71,324,967		50,433,740		'
Commercial [Member]	'		'		'
Allowance for Loan Losses [Roll Forward]	'		'		'
Allowance for loan losses, beginning of period	443,074		580,931		'
Charge-offs	-29,590		-34,339		'
Recoveries	5,388		22,367		'
Charge-offs, net of recoveries	-24,202		-11,972		'
Provision for loan losses	-15,289		-30,843		'
Allowance for loan losses, end of period	434,161		538,116		'
Reserve for Unfunded Lending Commitments [Roll Forward]	'		'		'
Reserve for unfunded lending commitments, beginning of period	220,000		210,000		'
(Release of)/ provision for unfunded lending commitments	-40,000		0		'
Reserve for unfunded lending commitments, end of period	180,000		210,000		'
Total allowance for credit losses, end of period	614,161		748,116		'
Allowance for Credit Loss, Additional Information [Abstract]	'		'		'
Ending balance, individually evaluated for impairment	265,183	[1]	307,622	[1]	'
Ending balance, collectively evaluated for impairment	348,978		440,494		'
Total financing receivables	34,310,467		33,053,376		'
Ending balance, evaluated at fair value	44,627	[2]	0	[2]	'
Ending balance, individually evaluated for impairment	528,224	[1]	560,081	[1]	'
Financing receivables, ending balance, collectively evaluated for impairment	33,737,616		32,493,295		'
Consumer [Member]	'		'		'
Allowance for Loan Losses [Roll Forward]	'		'		'
Allowance for loan losses, beginning of period	363,647		407,259		'
Charge-offs	-147,748		-56,694		'
Recoveries	72,875		9,439		'
Charge-offs, net of recoveries	-74,873		-47,255		'
Provision for loan losses	-343,168		25,889		'
Allowance for loan losses, end of period	631,942		385,893		'
Reserve for Unfunded Lending Commitments [Roll Forward]	'		'		'
Total allowance for credit losses, end of period	631,942		385,893		'
Allowance for Credit Loss, Additional Information [Abstract]	'		'		'
Ending balance, individually evaluated for impairment	192,298	[1]	143,529	[1]	'
Ending balance, collectively evaluated for impairment	439,644		242,364		'
Total financing receivables	40,002,610		19,370,706		'
Ending balance, evaluated at fair value	1,722,187	[2]	671,023	[2]	'
Ending balance, individually evaluated for impairment	693,072	[1]	759,238	[1]	'
Financing receivables, ending balance, collectively evaluated for impairment	37,587,351		17,940,445		'
Unallocated [Member]	'		'		'
Allowance for Loan Losses [Roll Forward]	'		'		'
Allowance for loan losses, beginning of period	27,616		25,279		'
Charge-offs	0		0		'
Recoveries	0		0		'
Charge-offs, net of recoveries	0		0		'
Provision for loan losses	-16,873		21,804		'
Allowance for loan losses, end of period	44,489		47,083		'
Reserve for Unfunded Lending Commitments [Roll Forward]	'		'		'
Total allowance for credit losses, end of period	44,489		47,083		'
Allowance for Credit Loss, Additional Information [Abstract]	'		'		'
Ending balance, individually evaluated for impairment	0	[1]	0	[1]	'
Ending balance, collectively evaluated for impairment	44,489		47,083		'
Total financing receivables	0		0		'
Ending balance, evaluated at fair value	0	[2]	0	[2]	'
Ending balance, individually evaluated for impairment	0	[1]	0	[1]	'
Financing receivables, ending balance, collectively evaluated for impairment	$0		$0		'
[1]	Consumer loans individually evaluated for impairment consists of loans in TDR status
[2]	Represents LHFS and those loans for which the Company has elected the fair value option

LOANS_AND_ALLOWANCE_FOR_CREDIT5

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Non-performing Assets) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	$1,426,469	$998,409
Other repossessed assets	140,132	3,073
Total non-performing assets	109,168,077	77,144,021
Commercial and industrial loans [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	93,197	97,254
Multi-family loans [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	19,098	21,371
Other commercial [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	4,781	3,640
Residential mortgages [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	460,435	473,566
Home equity loans and lines of credit [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	141,408	141,961
Retail installment contracts and auto loans [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	449,138	1,205
Personal unsecured loan [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	0	0
Other consumer [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	9,835	9,339
Corporate banking [Member] | Commercial real estate loans [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	103,113	93,100
Middle market commercial real estate [Member] | Commercial real estate loans [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	132,381	143,802
Santander real estate capital [Member] | Commercial real estate loans [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	13,083	13,171
Commercial [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	365,653	372,338
Consumer [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Non-accrual loans	1,060,816	626,071
Nonperforming [Member]	'	'
Nonperforming Assets [Line Items]	'	'
Other real estate owned	92,133	88,603
Repossessed vehicles	137,648	0
Other repossessed assets	5,518	3,073
Total other real estate owned and other repossessed assets	235,299	91,676
Total non-performing assets	$1,661,768	$1,090,085

LOANS_AND_ALLOWANCE_FOR_CREDIT6

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Impaired Loans) (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2014		Dec. 31, 2013
Financing Receivable, Impaired [Line Items]	'		'
Minimum amount for commercial non-accrual loans	$1,000,000		'
Impaired financing receivable, recorded investment	1,385,713,000	[1]	1,233,152,000	[1]
Impaired financing receivable, unpaid principal balance	1,227,702,000		1,430,588,000
Impaired financing receivable, related specific reserves	277,481,000		225,796,000
Impaired financing receivables, average recorded investment	1,309,438,000		1,233,152,000
Commercial [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable, recorded investment	464,608,000	[1]	479,343,000	[1]
Impaired financing receivable, unpaid principal balance	384,316,000		602,093,000
Impaired financing receivable, related specific reserves	84,124,000		90,594,000
Impaired financing receivables, average recorded investment	471,979,000		479,343,000
Consumer [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable, recorded investment	921,105,000	[1]	753,809,000	[1]
Impaired financing receivable, unpaid principal balance	843,386,000		828,495,000
Impaired financing receivable, related specific reserves	193,357,000		135,202,000
Impaired financing receivables, average recorded investment	837,459,000		753,809,000
Corporate banking [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	55,554,000	[1]	43,485,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	48,488,000	[1]	53,762,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	43,388,000		30,131,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	47,239,000		52,100,000
Impaired financing receivable, related specific reserves	10,516,000		10,298,000
Impaired financing receivable with no related allowance recorded, average recorded investment	49,520,000		43,485,000
Impaired financing receivable with related allowance recorded, average recorded investment	51,125,000		53,762,000
Middle market commercial real estate [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	110,705,000	[1]	101,137,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	97,104,000	[1]	118,845,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	81,782,000		128,874,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	71,100,000		185,649,000
Impaired financing receivable, related specific reserves	20,690,000		26,130,000
Impaired financing receivable with no related allowance recorded, average recorded investment	105,921,000		101,137,000
Impaired financing receivable with related allowance recorded, average recorded investment	107,975,000		118,845,000
Santander real estate capital [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	7,122,000	[1]	751,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	6,679,000	[1]	9,382,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	6,965,000		751,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	5,433,000		8,136,000
Impaired financing receivable, related specific reserves	1,254,000		1,701,000
Impaired financing receivable with no related allowance recorded, average recorded investment	3,937,000		751,000
Impaired financing receivable with related allowance recorded, average recorded investment	8,031,000		9,382,000
Commercial and industrial loans [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	6,047,000	[1]	13,131,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	98,788,000	[1]	100,224,000
Impaired financing receivable with no related allowance recorded, unpaid principal balance	2,260,000		42,512,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	92,234,000		118,276,000
Impaired financing receivable, related specific reserves	49,686,000		50,252,000
Impaired financing receivable with no related allowance recorded, average recorded investment	9,589,000		13,131,000
Impaired financing receivable with related allowance recorded, average recorded investment	99,506,000		100,224,000
Multi-family loans [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	26,734,000	[1]	27,031,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	6,064,000	[1]	11,418,000
Impaired financing receivable with no related allowance recorded, unpaid principal balance	26,734,000		27,031,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	5,858,000		8,456,000
Impaired financing receivable, related specific reserves	1,521,000		2,201,000
Impaired financing receivable with no related allowance recorded, average recorded investment	26,883,000		27,031,000
Impaired financing receivable with related allowance recorded, average recorded investment	8,741,000		11,418,000
Other commercial [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	147,000	[1]	0	[1]
Impaired financing receivable with related allowance recorded, recorded investment	1,176,000	[1]	177,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	147,000		0
Impaired financing receivable with related allowance recorded, unpaid principal balance	1,176,000		177,000
Impaired financing receivable, related specific reserves	457,000		12,000
Impaired financing receivable with no related allowance recorded, average recorded investment	74,000		0
Impaired financing receivable with related allowance recorded, average recorded investment	677,000		177,000
Residential mortgages [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	88,186,000	[1]	92,143,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	553,419,000	[1]	547,329,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	88,186,000		92,143,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	498,288,000		603,866,000
Impaired financing receivable, related specific reserves	125,256,000		124,746,000
Impaired financing receivable with no related allowance recorded, average recorded investment	90,165,000		92,143,000
Impaired financing receivable with related allowance recorded, average recorded investment	550,374,000		547,329,000
Home equity loans and lines of credit [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	29,884,000	[1]	31,074,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	55,899,000	[1]	54,900,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	29,884,000		31,074,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	47,110,000		63,975,000
Impaired financing receivable, related specific reserves	5,876,000		5,479,000
Impaired financing receivable with no related allowance recorded, average recorded investment	30,479,000		31,074,000
Impaired financing receivable with related allowance recorded, average recorded investment	55,400,000		54,900,000
Retail installment contracts and auto loans [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	46,648,000	[1]	0	[1]
Impaired financing receivable with related allowance recorded, recorded investment	121,041,000	[1]	0	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	46,648,000		0
Impaired financing receivable with related allowance recorded, unpaid principal balance	117,746,000		0
Impaired financing receivable, related specific reserves	57,434,000		0
Impaired financing receivable with no related allowance recorded, average recorded investment	23,324,000		0
Impaired financing receivable with related allowance recorded, average recorded investment	60,521,000		0
Personal unsecured loan [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	0	[1]	0	[1]
Impaired financing receivable with related allowance recorded, recorded investment	2,053,000	[1]	2,535,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	0		0
Impaired financing receivable with related allowance recorded, unpaid principal balance	0		2,535,000
Impaired financing receivable, related specific reserves	515,000		677,000
Impaired financing receivable with no related allowance recorded, average recorded investment	0		0
Impaired financing receivable with related allowance recorded, average recorded investment	2,294,000		2,535,000
Other consumer [Member]	'		'
Financing Receivable, Impaired [Line Items]	'		'
Impaired financing receivable with no related allowance recorded, recorded investment	6,711,000	[1]	8,345,000	[1]
Impaired financing receivable with related allowance recorded, recorded investment	17,264,000	[1]	17,483,000	[1]
Impaired financing receivable with no related allowance recorded, unpaid principal balance	6,711,000		17,420,000
Impaired financing receivable with related allowance recorded, unpaid principal balance	8,813,000		17,482,000
Impaired financing receivable, related specific reserves	4,276,000		4,300,000
Impaired financing receivable with no related allowance recorded, average recorded investment	7,528,000		8,345,000
Impaired financing receivable with related allowance recorded, average recorded investment	$17,374,000		$17,483,000
[1]	Recorded investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.

LOANS_AND_ALLOWANCE_FOR_CREDIT7

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Segments and Classes) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Loans Receivable [Line Items]	'		'
Loans held for investment	$74,062,616	[1]	$49,921,677	[1]
Reported Value Measurement [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for sale	250,461		128,949
Retail installment contracts and auto loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for sale	144,800		0
Commercial and industrial loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	14,197,105		12,838,348
Loans held for sale	33,300		17,900
Multi-family loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	9,365,927		8,237,029
Other commercial [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	1,802,005		1,789,891
Personal unsecured loan [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	1,558,553	[2]	493,785
Consumer loans secured by real estate [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	15,758,996		15,872,881
Residential mortgages [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for sale	61,100		111,000
Corporate banking [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	3,524,633		3,767,870
Middle market commercial real estate [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	3,519,091		3,510,372
Loans held for sale	11,300		0
Santander real estate capital [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	1,901,705		2,025,644
Home equity loans and lines of credit [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	6,206,354	[3]	6,311,694	[3]
Commercial Loans Held for Investment [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	34,265,839	[4],[5]	32,151,222	[4],[5]
Commercial Loans Held for Investment [Member] | Commercial real estate loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	8,934,116	[4],[5]	9,303,885	[4],[5]
Commercial Loans Held for Investment [Member] | Commercial and industrial loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	14,163,791	[4],[5],[6]	12,820,417	[4],[5],[6]
Commercial Loans Held for Investment [Member] | Multi-family loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	9,365,927	[4],[5]	8,237,029	[4],[5]
Commercial Loans Held for Investment [Member] | Other commercial [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	1,802,005	[4],[5]	1,789,891	[4],[5]
Commercial Loans Held for Investment [Member] | Corporate banking [Member] | Commercial real estate loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	3,566,377	[4],[5]	3,767,869	[4],[5]
Commercial Loans Held for Investment [Member] | Middle market commercial real estate [Member] | Commercial real estate loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	3,466,034	[4],[5],[7]	3,510,371	[4],[5],[7]
Commercial Loans Held for Investment [Member] | Santander real estate capital [Member] | Commercial real estate loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	1,901,705	[4],[5]	2,025,645	[4],[5]
Loans Held-for-investment [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	39,796,777	[4],[5]	17,770,455	[4],[5]
Loans Held-for-investment [Member] | Consumer loans secured by real estate [Member]	'		'
Loans Receivable [Line Items]	'		'
Financing receivable	15,758,996	[4],[5]	15,872,881	[4],[5]
Loans Held-for-investment [Member] | Residential mortgages [Member] | Consumer loans secured by real estate [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	9,552,642	[4],[5],[8]	9,561,187	[4],[5],[8]
Loans Held-for-investment [Member] | Home equity loans and lines of credit [Member] | Consumer loans secured by real estate [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	6,206,354	[4],[5]	6,311,694	[4],[5]
Loans Held-for-investment [Member] | Consumer loans not secured by real estate [Member] | Retail installment contracts and auto loans [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	20,925,635	[4],[5],[9]	81,804	[4],[5],[9]
Loans Held-for-investment [Member] | Consumer loans not secured by real estate [Member] | Personal unsecured loan [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	1,558,553	[4],[5]	493,785	[4],[5]
Loans Held-for-investment [Member] | Other consumer [Member] | Other consumer [Member]	'		'
Loans Receivable [Line Items]	'		'
Loans held for investment	$1,553,593	[10],[4],[5]	$1,321,985	[10],[4],[5]
[1]	Total loans held for investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments. These items resulted in a net decrease in loan balances of $2.7 billion as of March 31, 2014 and a net increase in loan balances of $122.6 million as of December 31, 2013, respectively. The significant fluctuation between periods is due to the purchase accounting marks resulting from the Change in Control of SCUSA.
[2]	Financing receivables include LHFS.
[3]	Credit scores updated quarterly.
[4]	These represent the Company's loan classes used to determine its allowance for loan and lease losses in accordance with ASC 310-10.
[5]	These represent the Company's loan categories based on the SEC's Regulation S-X, Article 9.
[6]	Commercial and industrial loans excluded $33.3 million and $17.9 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
[7]	Middle markets commercial real estate excluded $11.3 million and $0.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
[8]	Home mortgages excludes $61.1 million and $111.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
[9]	Retail installment contracts and auto loans excludes $144.8 million and $0.0 million of LHFS at March 31, 2014 and December 31, 2013, respectively.
[10]	Other consumer primarily includes recreational vehicles and marine loans.

LOANS_AND_ALLOWANCE_FOR_CREDIT8

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Non-accrual Loans and Age Analysis of Past Due Loans) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	$1,426,469		$998,409		'
30-59 days past due	321,458		303,809		'
68-89 days past due	1,812,612		157,726		'
Greater than 90 days	772,766		683,859		'
Total past due	2,906,836		1,145,394		'
Current	71,406,241		48,905,232		'
Total financing receivables	74,313,077		50,050,626		52,424,082
Recorded investment greater than 90 days and accruing	52,197		2,545		'
Corporate banking [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
30-59 days past due	27,878		'		'
68-89 days past due	7,046		'		'
Greater than 90 days	49,018		'		'
Total past due	83,942		'		'
Current	3,440,691		'		'
Financing receivable	3,524,633		3,767,870		'
Total financing receivables	3,524,633	[1]	'		'
Recorded investment greater than 90 days and accruing	0		'		'
Middle market commercial real estate [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
30-59 days past due	0		'		'
68-89 days past due	0		'		'
Greater than 90 days	86,876		'		'
Total past due	86,876		'		'
Current	3,432,214		'		'
Financing receivable	3,519,091		3,510,372		'
Total financing receivables	3,519,090	[1]	'		'
Recorded investment greater than 90 days and accruing	0		'		'
Santander real estate capital [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
30-59 days past due	5,800		'		'
68-89 days past due	0		'		'
Greater than 90 days	6,771		'		'
Total past due	12,571		'		'
Current	1,889,135		'		'
Financing receivable	1,901,705		2,025,644		'
Total financing receivables	1,901,706	[1]	'		'
Recorded investment greater than 90 days and accruing	0		'		'
Commercial [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	365,653		372,338		'
Financing receivable	34,310,466		32,169,154		'
Total financing receivables	34,310,467		'		33,053,376
Consumer [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	1,060,816		626,071		'
Financing receivable	40,002,611	[1]	17,881,472	[1]	'
Total financing receivables	40,002,610		'		19,370,706
Commercial real estate loans [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Recorded investment greater than 90 days and accruing	'		0		'
Commercial real estate loans [Member] | Corporate banking [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	103,113		93,100		'
30-59 days past due	'		12,758		'
68-89 days past due	'		5,751		'
Greater than 90 days	'		57,503		'
Total past due	'		76,012		'
Current	'		3,691,858		'
Total financing receivables	'		3,767,870	[1]	'
Commercial real estate loans [Member] | Middle market commercial real estate [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	132,381		143,802		'
30-59 days past due	'		5,980		'
68-89 days past due	'		13,897		'
Greater than 90 days	'		83,809		'
Total past due	'		103,686		'
Current	'		3,406,685		'
Total financing receivables	'		3,510,371	[1]	'
Commercial real estate loans [Member] | Santander real estate capital [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	13,083		13,171		'
30-59 days past due	'		4,177		'
68-89 days past due	'		9,705		'
Greater than 90 days	'		0		'
Total past due	'		13,882		'
Current	'		2,011,762		'
Total financing receivables	'		2,025,644	[1]	'
Commercial and industrial loans [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	93,197		97,254		'
30-59 days past due	9,310		15,966		'
68-89 days past due	12,151		4,310		'
Greater than 90 days	57,791		34,354		'
Total past due	79,252		54,630		'
Current	14,117,853		12,783,719		'
Financing receivable	14,197,105		12,838,348		'
Total financing receivables	14,197,105		12,838,349		'
Recorded investment greater than 90 days and accruing	0		0		'
Multi-family loans [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	19,098		21,371		'
30-59 days past due	11,137		2,039		'
68-89 days past due	709		5,235		'
Greater than 90 days	6,612		9,563		'
Total past due	18,458		16,837		'
Current	9,347,469		8,220,192		'
Financing receivable	9,365,927		8,237,029		'
Total financing receivables	9,365,927		8,237,029		'
Recorded investment greater than 90 days and accruing	0		0		'
Other commercial [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	4,781		3,640		'
30-59 days past due	1,842		3,412		'
68-89 days past due	727		182		'
Greater than 90 days	1,755		2,171		'
Total past due	4,324		5,765		'
Current	1,797,681		1,784,126		'
Financing receivable	1,802,005		1,789,891		'
Total financing receivables	1,802,005	[1]	1,789,891	[1]	'
Recorded investment greater than 90 days and accruing	0		0		'
Residential mortgages [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	460,435		473,566		'
30-59 days past due	162,893		185,630		'
68-89 days past due	74,718		86,563		'
Greater than 90 days	367,399		379,076		'
Total past due	605,010		651,269		'
Current	9,008,694		9,020,935		'
Financing receivable	9,613,704	[1]	9,672,204		'
Total financing receivables	'		9,672,204	[1]	'
Recorded investment greater than 90 days and accruing	0		0		'
Home equity loans and lines of credit [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	141,408		141,961		'
30-59 days past due	22,600		32,017		'
68-89 days past due	11,434		15,567		'
Greater than 90 days	79,930		80,551		'
Total past due	113,964		128,135		'
Current	6,092,390		6,183,559		'
Financing receivable	6,206,354	[1]	6,311,694		'
Total financing receivables	'		6,311,694	[1]	'
Recorded investment greater than 90 days and accruing	0		0		'
Retail installment contracts and auto loans [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	449,138		1,205		'
30-59 days past due	4,822		7,900		'
68-89 days past due	1,666,338		2,988		'
Greater than 90 days	83,220		1,205		'
Total past due	1,754,380		12,093		'
Current	19,316,027		69,711		'
Financing receivable	21,070,407	[1]	81,804		'
Total financing receivables	'		81,804		'
Recorded investment greater than 90 days and accruing	0		0		'
Personal unsecured loan [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	0		0		'
30-59 days past due	38,679		4,289		'
68-89 days past due	31,779		1,693		'
Greater than 90 days	4,622		4,536		'
Total past due	75,080		10,518		'
Current	1,483,473		483,267		'
Financing receivable	1,558,553	[1]	493,785		'
Total financing receivables	'		493,785	[1]	'
Recorded investment greater than 90 days and accruing	52,197		2,545		'
Other consumer [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Non-accrual loans	9,835		9,339		'
30-59 days past due	36,497		29,641		'
68-89 days past due	7,710		11,835		'
Greater than 90 days	28,772		31,091		'
Total past due	72,979		72,567		'
Current	1,480,614		1,249,418		'
Financing receivable	1,553,593	[1]	1,321,985		'
Total financing receivables	'		1,321,985	[1]	'
Recorded investment greater than 90 days and accruing	0		0		'
Nonperforming [Member] | Consumer [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Financing receivable	2,388,819	[1]	626,071	[1]	'
Nonperforming [Member] | Residential mortgages [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Financing receivable	460,435		473,565		'
Nonperforming [Member] | Home equity loans and lines of credit [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Financing receivable	109,619		108,275		'
Nonperforming [Member] | Retail installment contracts and auto loans [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Financing receivable	1,751,418		1,868		'
Nonperforming [Member] | Personal unsecured loan [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Financing receivable	30,506		0		'
Nonperforming [Member] | Other consumer [Member]	'		'		'
Financing Receivable, Recorded Investments, Past Due [Line Items]	'		'		'
Financing receivable	$36,841		$42,363		'
[1]	Financing receivables include LHFS.

LOANS_AND_ALLOWANCE_FOR_CREDIT9

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Lending Asset Quality Indicators) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Commercial [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	$34,310,466		$32,169,154
Commercial [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	32,645,078		30,426,898
Commercial [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	657,778		640,834
Commercial [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	883,574		977,431
Commercial [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	124,036		123,991
Corporate banking [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	3,524,633		3,767,870
Corporate banking [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	3,155,786		3,385,253
Corporate banking [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	107,491		106,001
Corporate banking [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	243,975		260,122
Corporate banking [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	17,381		16,494
Middle market commercial real estate [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	3,519,091		3,510,372
Middle market commercial real estate [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	3,110,039		3,068,667
Middle market commercial real estate [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	98,115		62,062
Middle market commercial real estate [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	238,706		310,318
Middle market commercial real estate [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	72,231		69,325
Santander real estate capital [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,901,705		2,025,644
Santander real estate capital [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,651,802		1,779,544
Santander real estate capital [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	119,556		112,257
Santander real estate capital [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	129,539		132,999
Santander real estate capital [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	808		844
Consumer [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	40,002,611	[1]	17,881,472	[1]
Consumer [Member] | Performing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	37,613,792	[1]	17,255,401	[1]
Consumer [Member] | Nonperforming [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	2,388,819	[1]	626,071	[1]
Commercial and industrial loans [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	14,197,105		12,838,348
Commercial and industrial loans [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	13,711,203		12,320,254
Commercial and industrial loans [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	256,282		283,939
Commercial and industrial loans [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	196,650		202,347
Commercial and industrial loans [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	32,970		31,808
Multi-family loans [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	9,365,927		8,237,029
Multi-family loans [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	9,239,610		8,109,023
Multi-family loans [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	58,915		59,379
Multi-family loans [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	66,904		63,284
Multi-family loans [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	498		5,343
Remaining commercial [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,802,005		1,789,891
Remaining commercial [Member] | Pass [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,776,638		1,764,157
Remaining commercial [Member] | Special mention [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	17,419		17,196
Remaining commercial [Member] | Substandard [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	7,800		8,361
Remaining commercial [Member] | Doubtful [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	148		177
Residential mortgages [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	9,613,704	[1]	9,672,204
Residential mortgages [Member] | Performing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	9,153,269		9,198,639
Residential mortgages [Member] | Nonperforming [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	460,435		473,565
Home equity loans and lines of credit [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	6,206,354	[1]	6,311,694
Home equity loans and lines of credit [Member] | Performing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	6,096,735		6,203,419
Home equity loans and lines of credit [Member] | Nonperforming [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	109,619		108,275
Retail installment contracts and auto loans [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	21,070,407	[1]	81,804
Retail installment contracts and auto loans [Member] | Performing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	19,318,989		79,936
Retail installment contracts and auto loans [Member] | Nonperforming [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,751,418		1,868
Personal unsecured loan [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,558,553	[1]	493,785
Personal unsecured loan [Member] | Performing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,528,047		493,785
Personal unsecured loan [Member] | Nonperforming [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	30,506		0
Other consumer [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,553,593	[1]	1,321,985
Other consumer [Member] | Performing [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	1,516,752		1,279,622
Other consumer [Member] | Nonperforming [Member]	'		'
Financing Receivable, Recorded Investment [Line Items]	'		'
Financing receivable	$36,841		$42,363
[1]	Financing receivables include LHFS.

Recovered_Sheet1

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Consumer Lending Asset Quality Indicators-Credit Score) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
In Thousands, unless otherwise specified
Loans Receivable [Line Items]	'		'		'
Financing receivable	$74,313,077		$50,050,626		$52,424,082
Financing receivable	74,062,616	[1]	49,921,677	[1]	'
Retail installment contracts and auto loans [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	21,070,407	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	100.00%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score less than 600 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	12,438,256	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	59.00%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score of 600 to 639 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	5,483,758	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	26.00%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score of 640 to 679 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	3,088,553	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	14.70%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score of 680 to 719 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	0	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	0.00%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score of 720 to 759 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	0	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	0.00%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score equal to or greater than 760 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	0	[2]	'		'
Percentage of total loans, Retail installment contracts and auto loans	0.00%	[2]	'		'
Retail installment contracts and auto loans [Member] | FICO score not refreshed [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	59,840	[2],[3]	'		'
Percentage of total loans, Retail installment contracts and auto loans	0.30%	[2],[3]	'		'
Personal unsecured loan [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		493,785	[2]	'
Financing receivable	1,558,553	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	100.00%	[2]	100.00%	[2]	'
Personal unsecured loan [Member] | FICO score less than 600 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		10,221	[2]	'
Financing receivable	345,006	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	22.10%	[2]	2.10%	[2]	'
Personal unsecured loan [Member] | FICO score of 600 to 639 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		6,152	[2]	'
Financing receivable	476,285	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	30.60%	[2]	1.20%	[2]	'
Personal unsecured loan [Member] | FICO score of 640 to 679 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		24,855	[2]	'
Financing receivable	293,184	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	18.80%	[2]	5.00%	[2]	'
Personal unsecured loan [Member] | FICO score of 680 to 719 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		53,842	[2]	'
Financing receivable	54,820	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	3.50%	[2]	11.00%	[2]	'
Personal unsecured loan [Member] | FICO score of 720 to 759 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		55,546	[2]	'
Financing receivable	55,832	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	3.60%	[2]	11.20%	[2]	'
Personal unsecured loan [Member] | FICO score equal to or greater than 760 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		60,002	[2]	'
Financing receivable	55,864	[2]	'		'
Percentage of total loans, Personal unsecured loans balance	3.60%	[2]	12.20%	[2]	'
Personal unsecured loan [Member] | FICO score not refreshed [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	'		283,167	[2],[3]	'
Financing receivable	277,562	[2],[3]	'		'
Percentage of total loans, Personal unsecured loans balance	17.80%	[2],[3]	57.30%	[2],[3]	'
Home equity loans and lines of credit [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	6,206,354	[2]	6,311,694	[2]	'
Percentage of total loans, Home equity loans and lines	100.00%	[2]	100.00%	[2]	'
Home equity loans and lines of credit [Member] | FICO score less than 600 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	348,892	[2]	336,713	[2]	'
Percentage of total loans, Home equity loans and lines	5.60%	[2]	5.30%	[2]	'
Home equity loans and lines of credit [Member] | FICO score of 600 to 639 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	297,655	[2]	281,186	[2]	'
Percentage of total loans, Home equity loans and lines	4.80%	[2]	4.50%	[2]	'
Home equity loans and lines of credit [Member] | FICO score of 640 to 679 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	549,833	[2]	524,937	[2]	'
Percentage of total loans, Home equity loans and lines	8.90%	[2]	8.30%	[2]	'
Home equity loans and lines of credit [Member] | FICO score of 680 to 719 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	888,979	[2]	869,460	[2]	'
Percentage of total loans, Home equity loans and lines	14.30%	[2]	13.80%	[2]	'
Home equity loans and lines of credit [Member] | FICO score of 720 to 759 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	1,236,242	[2]	1,223,179	[2]	'
Percentage of total loans, Home equity loans and lines	19.90%	[2]	19.40%	[2]	'
Home equity loans and lines of credit [Member] | FICO score equal to or greater than 760 [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	2,882,785	[2]	2,775,970	[2]	'
Percentage of total loans, Home equity loans and lines	46.50%	[2]	44.00%	[2]	'
Home equity loans and lines of credit [Member] | FICO score not refreshed [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	$1,968	[2],[3]	$300,249	[2],[3]	'
Percentage of total loans, Home equity loans and lines	0.00%	[2],[3]	4.70%	[2],[3]	'
[1]	Total loans held for investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments. These items resulted in a net decrease in loan balances of $2.7 billion as of March 31, 2014 and a net increase in loan balances of $122.6 million as of December 31, 2013, respectively. The significant fluctuation between periods is due to the purchase accounting marks resulting from the Change in Control of SCUSA.
[2]	Credit scores updated quarterly.
[3]	Consists primarily of loans serviced by third parties. Loans serviced by third parties do not receive refreshed FICO scores.

Recovered_Sheet2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Consumer Lending Asset Quality Indicators-CLTV Range) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2013
In Thousands, unless otherwise specified
Loans Receivable [Line Items]	'		'		'
Financing receivable	$74,313,077		$50,050,626		$52,424,082
Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	9,613,704	[1],[2]	9,672,204	[1],[2]	'
Percentage of total home mortgages	100.00%	[1],[2]	100.00%	[1],[2]	'
Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	6,206,354	[1],[2]	6,311,694	[1],[2]	'
Percentage of total self-originated home equity loans	100.00%	[1],[2]	100.00%	[1],[2]	'
LTV of less than or equal to 80% [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	7,059,941	[2]	7,124,926	[2]	'
Percentage of total home mortgages	73.40%	[2]	73.70%	[2]	'
LTV of less than or equal to 80% [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	3,885,396	[2]	4,061,541	[2]	'
Percentage of total self-originated home equity loans	62.60%	[2]	64.30%	[2]	'
LTV of 80.01% to 90% [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	795,112	[2]	665,806	[2]	'
Percentage of total home mortgages	8.30%	[2]	6.90%	[2]	'
LTV of 80.01% to 90% [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	1,027,382	[2]	946,933	[2]	'
Percentage of total self-originated home equity loans	16.60%	[2]	15.00%	[2]	'
LTV of 90.01% to 100% [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	619,743	[2]	647,079	[2]	'
Percentage of total home mortgages	6.40%	[2]	6.70%	[2]	'
LTV of 90.01% to 100% [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	356,706	[2]	357,817	[2]	'
Percentage of total self-originated home equity loans	5.70%	[2]	5.70%	[2]	'
LTV of 100.01% to 120% [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	429,497	[2]	451,833	[2]	'
Percentage of total home mortgages	4.50%	[2]	4.70%	[2]	'
LTV of 100.01% to 120% [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	345,694	[2]	338,194	[2]	'
Percentage of total self-originated home equity loans	5.60%	[2]	5.40%	[2]	'
LTV of 120.01% to 140% [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	170,903	[2]	188,201	[2]	'
Percentage of total home mortgages	1.80%	[2]	1.90%	[2]	'
LTV of 120.01% to 140% [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	134,314	[2]	125,099	[2]	'
Percentage of total self-originated home equity loans	2.20%	[2]	2.00%	[2]	'
LTV greater than 140% [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	187,609	[2]	199,016	[2]	'
Percentage of total home mortgages	2.00%	[2]	2.10%	[2]	'
LTV greater than 140% [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	111,324	[2]	108,664	[2]	'
Percentage of total self-originated home equity loans	1.80%	[2]	1.70%	[2]	'
LTV not applicable [Member] | Home mortgages [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	350,899	[2]	395,343	[2]	'
Percentage of total home mortgages	3.60%	[2]	4.00%	[2]	'
LTV not applicable [Member] | Self-originated home equity [Member]	'		'		'
Loans Receivable [Line Items]	'		'		'
Financing receivable	$345,538	[2]	$373,446	[2]	'
Percentage of total self-originated home equity loans	5.50%	[2]	5.90%	[2]	'
[1]	Financing receivables includes loans held for sale.
[2]	CLTV is inclusive of senior lien balances and updated as deemed necessary. CLTV ranges represent the unpaid principal balance except for the "N/A" range, which represents the unpaid principal balance plus deferred loan origination costs, net of deferred loan fees and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.

Recovered_Sheet3

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Troubled Debt Restructuring Activity) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013		Dec. 31, 2013
	Contract		Contract
Financing Receivable, Modifications [Line Items]	'		'		'
Troubled debt restructurings	$1,133,106		'		$1,003,643
Trouble debt restructurings, number of contracts	12,835		179		'
Trouble debt restructurings, pre-modification outstanding recorded investment	172,093	[1]	46,208	[1]	'
Trouble debt restructurings, post-modification outstanding recorded investment	169,141	[2]	45,025	[2]	'
Performing [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Troubled debt restructurings	787,485		'		656,606
Nonperforming [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Troubled debt restructurings	345,621		'		347,037
Consumer [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, subsequent default, number of contracts	12		12		'
Trouble debt restructurings, subsequent default, recorded investment	1,915	[3]	3,170	[3]	'
Corporate banking [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	2		1		'
Trouble debt restructurings, pre-modification outstanding recorded investment	3,524	[1]	19,750	[1]	'
Trouble debt restructurings, post-modification outstanding recorded investment	3,505	[2]	18,767	[2]	'
Santander real estate capital [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	'		1		'
Trouble debt restructurings, pre-modification outstanding recorded investment	'		2,724	[1]	'
Trouble debt restructurings, post-modification outstanding recorded investment	'		2,188	[2]	'
Commercial and industrial loans [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	12		'		'
Trouble debt restructurings, pre-modification outstanding recorded investment	18,793	[1]	'		'
Trouble debt restructurings, post-modification outstanding recorded investment	18,207	[2]	'		'
Other commercial [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	1		5		'
Trouble debt restructurings, pre-modification outstanding recorded investment	498	[1]	1,712	[1]	'
Trouble debt restructurings, post-modification outstanding recorded investment	500	[2]	1,696	[2]	'
Residential mortgages [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	79	[4]	92	[4]	'
Trouble debt restructurings, pre-modification outstanding recorded investment	17,811	[1],[4]	15,779	[1],[4]	'
Trouble debt restructurings, post-modification outstanding recorded investment	17,670	[2],[4]	16,132	[2],[4]	'
Trouble debt restructurings, subsequent default, number of contracts	12		10		'
Trouble debt restructurings, subsequent default, recorded investment	1,915	[3]	2,794	[3]	'
Home equity loans and lines of credit [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	26		80		'
Trouble debt restructurings, pre-modification outstanding recorded investment	2,285	[1]	6,243	[1]	'
Trouble debt restructurings, post-modification outstanding recorded investment	2,285	[2]	6,242	[2]	'
Trouble debt restructurings, subsequent default, number of contracts	0		2		'
Trouble debt restructurings, subsequent default, recorded investment	0	[3]	376	[3]	'
Retail installment contracts and auto loans [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	12,714		'		'
Trouble debt restructurings, pre-modification outstanding recorded investment	129,141	[1]	'		'
Trouble debt restructurings, post-modification outstanding recorded investment	126,932	[2]	'		'
Other consumer [Member]	'		'		'
Financing Receivable, Modifications [Line Items]	'		'		'
Trouble debt restructurings, number of contracts	1		'		'
Trouble debt restructurings, pre-modification outstanding recorded investment	41	[1]	'		'
Trouble debt restructurings, post-modification outstanding recorded investment	$42	[2]	'		'
[1]	Pre-modification outstanding recorded investment amount is the month-end balance prior to the month the modification occurred.
[2]	Post-modification outstanding recorded investment amount is the month-end balance for the month that the modification occurred.
[3]	The recorded investment represents the period-end balance at March 31, 2014 and 2013. Does not include Chapter 7 bankruptcy TDRs.
[4]	The post-modification outstanding recorded investment amounts for residential mortgages exclude interest reserves.

ASSET_SECURITIZATIONS_Assets_a

ASSET SECURITIZATIONS (Assets and Liabilities of VIEs) (Details) (USD $)	Mar. 31, 2014
In Thousands, unless otherwise specified
Variable Interest Entity and Securitizations [Abstract]	'
Restricted cash	$1,550,657
Retail installment contracts, net	19,910,992
Various other assets	3,695,594
Notes payable	25,514,661
Various other liabilities	$49,157

ASSET_SECURITIZATIONS_Cash_Flo

ASSET SECURITIZATIONS (Cash Flow Summary) (Details) (Trusts [Member], USD $)	2 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014
Trusts [Member]	'
Variable Interest Entity [Line Items]	'
Receivables securitized	$1,574,084
Net proceeds from new securitizations	1,238,202
Cash received for servicing fees	97,932
Cash received upon release from reserved and restricted cash accounts	165
Net distributions from Trusts	241,251
Total cash received from securitization trusts	$1,577,550

ASSET_SECURITIZATIONS_Details

ASSET SECURITIZATIONS (Details) (USD $)	2 Months Ended
	Mar. 31, 2014	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Mar. 31, 2014	Mar. 31, 2014
		Securitization entities [Member]	Securitization entities [Member]	Securitization entities [Member]	Securitization entities [Member]	Trusts [Member]	Chrysler Capital securitizations [Member]	Other unrelated third parties [Member]
				Home equity loans and lines of credit [Member]	Home equity loans and lines of credit [Member]	VIE, not primary beneficiary [Member]	VIE, not primary beneficiary [Member]	VIE, not primary beneficiary [Member]
Variable Interest Entity [Line Items]	'	'	'	'	'	'	'	'
Continuing Involvement with Transferred Financial Assets, Principal Amount Outstanding	'	'	'	'	'	$22,900,000,000	'	'
Proceeds from securitization of retail installment contracts	774,200,000	'	'	'	'	'	'	'
Gain on securitization of financial assets	32,500,000	'	'	'	'	'	'	'
Derecognized Assets, Securitized or Asset-backed Financing Arrangement Assets and any Other Financial Assets Managed Together, Principal Amount Outstanding	'	'	'	'	'	'	1,700,000,000	2,500,000,000
Receivable from securitizations	'	5,700,000	5,500,000	'	'	'	'	'
Principal amount outstanding on loans securitized	'	'	'	40,200,000	41,500,000	'	'	'
Principal amount outstanding on loans securitized, greater than 90 days past due	'	'	'	15,400,000	15,300,000	'	'	'
Net credit losses on securitized loans	'	'	'	$0	($100,000)	'	'	'

GOODWILL_AND_OTHER_INTANGIBLES2

GOODWILL AND OTHER INTANGIBLES (Goodwill) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	$3,431,481
Disposals during the period	-7,052
Additions during the period	5,485,196
Goodwill, Ending balance	8,909,625
SCUSA [Member]	'
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	0
Disposals during the period	0
Goodwill, Ending balance	5,485,196
Retail Banking [Member]	'
Goodwill [Line Items]	'
Number of branches sold	3
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	1,696,086
Disposals during the period	-7,052
Additions during the period	0
Goodwill, Ending balance	1,689,034
Auto Finance and Alliances [Member]	'
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	71,522
Disposals during the period	0
Additions during the period	0
Goodwill, Ending balance	71,522
Investment Services [Member]	'
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	126,695
Disposals during the period	0
Additions during the period	0
Goodwill, Ending balance	126,695
Real Estate and Commercial Banking [Member]	'
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	1,163,154
Disposals during the period	0
Additions during the period	0
Goodwill, Ending balance	1,163,154
Specialty and Government Finance [Member]	'
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	242,894
Disposals during the period	0
Additions during the period	0
Goodwill, Ending balance	242,894
Global Banking & Markets and Large Corporate [Member]	'
Goodwill [Roll Forward]	'
Goodwill, Beginning balance	131,130
Disposals during the period	0
Additions during the period	0
Goodwill, Ending balance	$131,130

GOODWILL_AND_OTHER_INTANGIBLES3

GOODWILL AND OTHER INTANGIBLES (Finite-lived and Indefinite-lived Intangibles) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Net Carrying Amount	'	'	'
Intangibles subject to amortization	$741,360	'	$34,614
Total intangibles	791,360	'	34,614
Accumulated Amortization	-314,391	'	-291,137
Amortization of intangibles	13,715	7,698	'
Trade name [Member]	'	'	'
Net Carrying Amount	'	'	'
Intangibles not subject to amortization	50,000	'	0
Dealer networks [Member]	'	'	'
Net Carrying Amount	'	'	'
Intangibles subject to amortization	575,881	'	0
Accumulated Amortization	-4,119	'	0
Chrysler Relationship [Member]	'	'	'
Net Carrying Amount	'	'	'
Intangibles subject to amortization	136,250	'	0
Accumulated Amortization	-13,750	'	0
Core Deposit Intangibles [Member]	'	'	'
Net Carrying Amount	'	'	'
Intangibles subject to amortization	18,123	'	22,650
Accumulated Amortization	-277,719	'	-273,192
Other Intangibles [Member]	'	'	'
Net Carrying Amount	'	'	'
Intangibles subject to amortization	11,106	'	11,964
Accumulated Amortization	($18,803)	'	($17,945)

GOODWILL_AND_OTHER_INTANGIBLES4

GOODWILL AND OTHER INTANGIBLES (Future Amortization Expense) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]	'	'
2014, Calendar Year Amount	$72,391	'
2014, Recorded To Date	13,715	7,698
2014, Remaining Amount To Record	58,676	'
2015	64,435	'
2016	57,163	'
2017	55,055	'
2018	54,702	'
Thereafter	$449,617	'

OTHER_ASSETS_Other_Assets_Sche

OTHER ASSETS (Other Assets Schedule) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]	'		'
OREO	$92,133		$88,603
Other repossessed assets	140,132		3,073
Prepaid expenses	144,894		141,593
Miscellaneous receivables	901,625		546,363
Derivative assets at fair value	256,776		222,491
MSRs	134,775		141,787
Operating lease assets	111,075		0
Miscellaneous assets	99,164		30,584
Total other assets	$1,880,574	[1]	$1,174,494	[1]
[1]	Includes residential mortgage servicing rights ("MSRs") of $134.8 million and $141.8 million at March 31, 2014 and December 31, 2013, respectively, for which the Company has elected the fair value option.

OTHER_ASSETS_Servicing_Assets_

OTHER ASSETS (Servicing Assets Rollforward) (Details) (Residential mortgages [Member], USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Residential mortgages [Member]	'	'
Servicing Asset at Amortized Value, Balance [Roll Forward]	'	'
Carrying value at beginning of period	$141,787	$92,512
Mortgage servicing assets recognized	1,874	13,172
Principal reductions	-4,427	-6,617
Change in fair value due to valuation assumptions	-4,459	10,096
Carrying value at end of period	$134,775	$109,163

OTHER_ASSETS_Narrative_Details

OTHER ASSETS (Narrative) (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Dec. 31, 2012
Servicing Fees [Abstract]	'	'	'	'
Mortgage servicing fee income	$10,800,000	$11,000,000	'	'
Gains (losses) on sale of mortgage loans	3,200,000	38,700,000	'	'
Residential mortgages [Member]	'	'	'	'
Servicing Assets [Line Items]	'	'	'	'
Principal balance of loans serviced for others	14,200,000,000	'	14,500,000,000	'
Carrying value of MSRs based on the fair value option	134,775,000	109,163,000	141,787,000	92,512,000
Net changes in the fair value of MSRs	-4,459,000	10,096,000	'	'
Residential mortgages [Member] | Loans sold with recourse and credit enhancement features [Member]	'	'	'	'
Servicing Assets [Line Items]	'	'	'	'
Loans sold with recourse, unpaid principal balance	63,600,000	'	65,700,000	'
Multi-family loans [Member]	'	'	'	'
Servicing Assets [Line Items]	'	'	'	'
Purchase of loans	816,500,000	'	'	'
Multi-family loans [Member] | Loans sold with recourse and credit enhancement features [Member] | FNMA [Member]	'	'	'	'
Servicing Assets [Line Items]	'	'	'	'
Loans sold with recourse, unpaid principal balance	$3,200,000,000	'	$4,300,000,000	'

BORROWINGS_Narrative_Details

BORROWINGS (Narrative) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Debt Disclosure [Abstract]	'	'
Total borrowings and other debt obligations	$34,766,697,000	$12,376,624,000
Borrowings repurchase	$600,000	$100,000

BORROWINGS_SHUSA_Details

BORROWINGS (SHUSA) (Details) (SHUSA [Member], USD $)

Mar. 31, 2014

Dec. 31, 2013

Feb. 28, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Feb. 21, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Share data in Millions, unless otherwise specified

Trust PIERS [Member]

3.00% senior notes, due September 2015 [Member]

3.00% senior notes, due September 2015 [Member]

4.625% senior notes, due April 2016 [Member]

4.625% senior notes, due April 2016 [Member]

3.45% senior notes, due August 2018 [Member]

3.45% senior notes, due August 2018 [Member]

Subordinated notes, due March 2020 [Member]

Subordinated notes, due March 2020 [Member]

Subordinated notes, due March 2020 [Member]

Junior subordinate debentures - Capital Trust IV, due March 2034 [Member]

Junior subordinate debentures - Capital Trust IV, due March 2034 [Member]

Common securities - Capital Trust IV [Member]

Common securities - Capital Trust IV [Member]

Junior subordinate debentures - Capital Trust VI, due June 2036 [Member]

Junior subordinate debentures - Capital Trust VI, due June 2036 [Member]

Common securities - Capital Trust VI [Member]

Common securities - Capital Trust VI [Member]

Junior subordinate debentures - Capital Trust IX, due July 2036 [Member]

Junior subordinate debentures - Capital Trust IX, due July 2036 [Member]

Common securities - Capital Trust IX [Member]

Common securities - Capital Trust IX [Member]

Debt Instrument [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Senior notes, Balance

'

'

'

$599,111,000

$598,965,000

$474,484,000

$474,306,000

$499,190,000

$499,148,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated notes, due March 2020, Balance

'

'

'

'

'

'

'

'

'

'

0

[1]

756,829,000

[1]

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated debentures, Balance

'

'

'

'

'

'

'

'

'

'

'

'

0

[2]

611,000

[2]

'

'

70,262,000

70,262,000

'

'

150,000,000

150,000,000

'

'

Common securties, Balance

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

[2]

24,742,000

[2]

'

'

10,000,000

10,000,000

'

'

4,640,000

4,640,000

Total holding company borrowings and other debt obligations

1,807,687,000

2,589,503,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Effective Rate

3.89%

4.50%

'

3.28%

3.28%

4.85%

4.85%

3.62%

3.62%

'

0.00%

[1]

5.96%

[1]

0.00%

[2]

12.84%

[2]

0.00%

[2]

4.38%

[2]

7.91%

7.91%

7.91%

7.91%

2.04%

2.04%

2.04%

2.04%

Stated Rate

'

'

'

3.00%

'

4.63%

'

3.45%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated debt converted, original value

'

'

'

'

'

'

'

'

'

750,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of shares issued upon conversion

'

'

'

'

'

'

'

'

'

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Amount of securities called and retired

'

'

$24,700,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

[1]

On February 21, 2014, the subordinated note, with a value of $750.0 million, was converted to 3.0 million shares of SHUSA common stock.

[2]

In December 2012, a settlement agreement was executed with respect to the Company's Trust PIERS litigation. The settlement agreement required the Company to make additional offers to purchase the Trust PIERS until no Trust PIERS remain outstanding. On February 28, 2014, the Company called and retired the remaining PIERS securities in the amount of $24.7 million.

BORROWINGS_Santander_Bank_Deta

BORROWINGS (Santander Bank) (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Feb. 28, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

In Thousands, unless otherwise specified

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

Santander Bank [Member]

8.750% subordinated debentures, due May 2018 [Member]

8.750% subordinated debentures, due May 2018 [Member]

FHLB advances, maturing through August 2018 [Member]

FHLB advances, maturing through August 2018 [Member]

FHLB advances, maturing through August 2018 [Member]

Subordinated term loan, due February 2019 [Member]

Subordinated term loan, due February 2019 [Member]

REIT preferred, due May 2020 [Member]

REIT preferred, due May 2020 [Member]

Subordinated term loan, due August 2022 [Member]

Subordinated term loan, due August 2022 [Member]

Restructured FHLB Advances [Member]

Debt Instrument [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Subordinated debentures, Balance

'

'

'

'

$497,546

$497,427

'

'

'

'

'

'

'

'

'

FHLB advances, maturing through August 2018, Balance

'

'

'

'

'

'

6,942,657

8,952,012

1,700,000

'

'

'

'

'

'

Subordinated term loan, Balance

'

'

'

'

'

'

'

'

'

145,279

150,273

'

'

35,491

35,491

REIT preferred, due May 2020, Balance

'

'

'

'

'

'

'

'

'

'

'

152,292

151,918

'

'

Total borrowings and other debt obligations

$34,766,697

$12,376,624

$7,773,265

$9,787,121

'

'

'

'

'

'

'

'

'

'

'

Effective Rate

'

'

4.27%

3.87%

8.91%

8.91%

3.68%

3.36%

'

6.00%

6.06%

13.73%

13.83%

7.80%

7.78%

Stated Rate

'

'

'

'

8.75%

'

3.43%

5.39%

'

'

'

'

'

'

'

BORROWINGS_SCUSA_Details

BORROWINGS (SCUSA) (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

Minimum [Member]

Maximum [Member]

Public Securitizations due on Various Dates [Member]

Public Securitizations due on Various Dates [Member]

Public Securitizations due on Various Dates [Member]

Privately Issued Amortizing Notes due on Various Dates [Member]

Privately Issued Amortizing Notes due on Various Dates [Member]

Privately Issued Amortizing Notes due on Various Dates [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Revolving Credit Facility [Member]

Minimum [Member]

Maximum [Member]

Minimum [Member]

Maximum [Member]

Warehouse Line due June 2014 [Member]

Warehouse Line due on Various Dates [Member]

Warehouse Line due March 2015 [Member]

Warehouse Line due July 2015 [Member]

Warehouse Line due September 2015 [Member]

Warehouse Line due December 2015 [Member]

Warehouse Line due December 2015 [Member]

Warehouse Line due January 2016 [Member]

Warehouse Line due January 2016 [Member]

Warehouse Line due November 2016 [Member]

Repurchase Facility due on Various Dates [Member]

Repurchase Facility due on Various Dates [Member]

Repurchase Facility due on Various Dates [Member]

Line of Credit with Related Party due December 2016 [Member]

Line of Credit with Related Party due December 2016 [Member]

Line of Credit with Related Party due December 2018 [Member]

Line of Credit with Related Party due December 2018 [Member]

Line of Credit with Related Party [Member]

Minimum [Member]

Minimum [Member]

Maximum [Member]

Line of Credit Facility [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Line of credit outstanding

$38,800,000

$90,200,000

'

'

'

'

'

'

'

'

'

$9,273,726,000

$212,438,000

$552,682,000

[1]

$250,594,000

[2]

$317,886,000

$119,480,000

[3]

$1,399,123,000

$708,174,000

$724,888,000

[4]

'

$175,000,000

[5]

$748,461,000

[6]

'

'

$500,000,000

[7]

$1,750,000,000

[7]

$65,000,000

[7]

$1,750,000,000

[7]

'

Balance

'

'

15,912,019,000

'

'

11,372,083,000

[8]

'

'

4,539,936,000

[8]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Effective Rate

'

'

'

0.89%

2.80%

'

0.89%

[8]

2.80%

[8]

'

1.07%

[8]

1.80%

[8]

1.80%

1.14%

1.39%

0.99%

0.93%

2.31%

0.94%

0.82%

1.91%

'

1.70%

1.55%

'

'

2.44%

2.11%

2.95%

2.89%

'

Lease financing, percentage of outstanding balance

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

50.00%

'

'

'

'

'

'

'

'

'

Facility rolling maturity period

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'30 days

'90 days

'

'

'

'

'

Unsecured debt

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$2,200,000,000

[1]

One-fourth of the outstanding balance on this facility matures in each of the following months: April 2014, November 2014, March 2015 and November 2015.

[2]

This line is collateralized by securitization notes payable retained by SCUSA.

[3]

This line is held exclusively for unsecured consumer term loans.

[4]

This line is held exclusively for Chrysler Capital retail loan and lease financing, with lease financing comprising more than 50% of the outstanding balance upon advance.

[5]

This line is collateralized by residuals retained by SCUSA.

[6]

This repurchase facility is collateralized by securitization bonds and residuals retained by SCUSA. The facility has rolling 30-day and 90-day maturities.

[7]

These lines are collateralized by securitization notes payable and residuals retained by SCUSA. As of March 31, 2014, $2.2 billion of the aggregate outstanding balances on these credit facilities was unsecured.

[8]

SCUSA has entered into various securitization transactions involving their retail automotive installment loans. These transactions are accounted for as secured financings and therefore both the securitized retail installment contracts and the related securitization debt issued by SPE, remain on the Condensed Consolidated Balance Sheet. The maturity of this debt is based on the timing of repayments from the securitized assets.

DERIVATIVES_Details

DERIVATIVES (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Derivative, Credit Risk Related Contingent Features [Abstract]	'	'
Fair value of derivatives with credit risk contingent feature associated with credit ratings	$30,100,000	'
Fair value of derivatives with credit risk contingent features	175,800,000	198,800,000
Collateral posted	178,300,000	203,900,000
Summary of Fair Value Hedge Activity [Abstract]	'	'
Deferred loss on discontinuation of fair value hedge	12,300,000	'
Amortization of deferred hedge gains	600,000	'
Summary of Cash Flow Hedge Activity [Abstract]	'	'
Cash flow hedge loss to be reclassified within next twelve months	28,200,000	'
Summary of Derivative Instruments [Abstract]	'	'
Notional amount	34,767,334,000	14,748,036,000
Interest rate swaps [Member]	'	'
Summary of Derivative Instruments [Abstract]	'	'
Notional amount	8,379,633,000	0
Designated as hedging instrument [Member]	'	'
Summary of Derivative Instruments [Abstract]	'	'
Notional amount	3,487,312,000	2,720,307,000
Derivative hedge assets	7,169,000	5,876,000
Derivative hedge liabilities	48,747,000	60,305,000
Weighted average receive rate	0.25%	0.27%
Weighted average pay rate	2.39%	2.47%
Weighted average life	'2 years 2 months 12 days	'1 year 10 months 24 days
Designated as hedging instrument [Member] | Fair value hedges [Member] | Cross currency swaps [Member]	'	'
Summary of Derivative Instruments [Abstract]	'	'
Notional amount	19,995,000	19,995,000
Foreign currency fair value hedge assets	910,000	1,073,000
Foreign currency fair value hedge liabilities	1,707,000	1,924,000
Weighted average receive rate	4.76%	4.76%
Weighted average pay rate	4.75%	4.75%
Weighted average life	'1 year 10 months 9 days	'2 years 1 month 9 days
Designated as hedging instrument [Member] | Fair value hedges [Member] | Interest rate swaps [Member]	'	'
Summary of Derivative Instruments [Abstract]	'	'
Notional amount	172,000,000	'
Foreign currency fair value hedge assets	746,000	'
Foreign currency fair value hedge liabilities	11,000	'
Weighted average receive rate	0.92%	'
Weighted average pay rate	2.38%	'
Weighted average life	'4 years 10 months 24 days	'
Designated as hedging instrument [Member] | Cash flow hedges [Member] | Interest rate swaps [Member]	'	'
Summary of Derivative Instruments [Abstract]	'	'
Notional amount	3,295,317,000	2,700,312,000
Interest rate cash flow hedge assets	5,513,000	4,803,000
Interest rate cash flow hedge liabilities	47,029,000	58,381,000
Weighted average receive rate	0.19%	0.24%
Weighted average pay rate	2.38%	2.46%
Weighted average life	'2 years 0 months 25 days	'1 year 10 months 20 days
One notch downgrade [Member]	'	'
Derivative, Credit Risk Related Contingent Features [Abstract]	'	'
Additional collateral required	4,300,000	'
Two notch downgrade [Member]	'	'
Derivative, Credit Risk Related Contingent Features [Abstract]	'	'
Additional collateral required	$4,500,000	'

DERIVATIVES_Other_Derivatives_

DERIVATIVES (Other Derivatives) (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Dec. 31, 2013

Other [Member]

Other [Member]

Foreign exchange contracts [Member]

Foreign exchange contracts [Member]

Interest rate swap agreements [Member]

Interest rate swap agreements [Member]

Interest rate cap agreements [Member]

Interest rate cap agreements [Member]

Option for interest rate cap agreements [Member]

Option for interest rate cap agreements [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Mortgage banking derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

Customer related derivatives [Member]

SCUSA [Member]

SCUSA [Member]

Warrant [Member]

Warrant [Member]

Forward commitments to sell loans [Member]

Forward commitments to sell loans [Member]

Interest rate lock commitments [Member]

Interest rate lock commitments [Member]

Mortgage srvicing rights [Member]

Mortgage srvicing rights [Member]

Swaps receive fixed [Member]

Swaps receive fixed [Member]

Swaps pay fixed [Member]

Swaps pay fixed [Member]

Other [Member]

Other [Member]

Third Party [Member]

LIBOR [Member]

Third Party [Member]

Derivative [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Proceeds from issuance of debt pledged with certain bonds

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$251,000,000

'

'

'

Basis spread on variable rate

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

75.00%

'

'

Facility term

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'1 year

'

'

'

Derivative Instruments Not Designated as Hedging Instruments [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Notional amount of derivatives not designated as hedging instruments

34,767,334,000

14,748,036,000

597,811,000

291,437,000

1,504,329,000

1,253,395,000

8,379,633,000

0

4,929,458,000

0

4,929,458,000

0

970,161,000

490,395,000

170,123,000

169,608,000

130,038,000

75,787,000

670,000,000

245,000,000

13,456,484,000

12,712,809,000

5,986,085,000

5,665,350,000

5,956,962,000

5,661,555,000

1,513,437,000

1,385,904,000

'

'

'

'

Derivative Instruments not designated as hedging instruments, asset at fair value

279,176,000

251,009,000

5,257,000

4,764,000

9,021,000

11,631,000

3,067,000

0

43,599,000

0

0

0

9,833,000

8,803,000

92,000

2,101,000

1,728,000

547,000

8,013,000

6,155,000

208,399,000

225,811,000

162,949,000

166,871,000

42,114,000

54,693,000

3,336,000

4,247,000

'

'

'

'

Derivative instruments not designated as hedging instruments, liability at fair value

279,489,000

213,398,000

5,704,000

4,496,000

8,060,000

9,745,000

31,502,000

0

0

0

43,680,000

0

10,108,000

488,000

0

0

0

0

10,108,000

488,000

180,435,000

198,669,000

19,743,000

28,561,000

157,916,000

166,473,000

2,776,000

3,635,000

'

'

'

'

Fair value of warrants

$298,668,000

$239,311,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$0

$0

DERIVATIVES_Income_Statement_E

DERIVATIVES (Income Statement Effect) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Capital Markets Revenue [Member] | Cross currency swaps [Member] | Fair value hedges [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	($681)	$1,746
Capital Markets Revenue [Member] | Interest rate swaps [Member] | Fair value hedges [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	735	0
Capital Markets Revenue [Member] | Customer related derivatives [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	113	2,388
Capital Markets Revenue [Member] | Foreign exchange [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	-911	-1,069
Capital Markets Revenue [Member] | SCUSA derivatives [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	13,025	0
Capital Markets Revenue [Member] | Other [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	-648	0
Net interest income [Member] | Interest rate swaps [Member] | Cash flow hedges [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	-13,685	-17,733
Net interest income [Member] | SCUSA derivatives [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	-1,839	0
Net interest income [Member] | Other [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	0	-703
Mortgage banking revenue [Member] | Forward commitments to sell loans [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	-2,009	-256
Mortgage banking revenue [Member] | Interest rate lock commitments [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	1,181	-3,719
Mortgage banking revenue [Member] | Mortgage servicing rghts [Member]	'	'
Derivative Instruments, Gain (Loss) [Line Items]	'	'
Gain (loss) recognized on all derivatives	($7,761)	$820

DERIVATIVES_Offsetting_of_Fina

DERIVATIVES (Offsetting of Financial Assets) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Offsetting Assets [Line Items]	'		'
Gross Amounts of Recognized Assets	$284,595		$255,495
Gross Amounts Offset in the Statement of Financial Position	29,569		34,394
Net Amounts of Assets Presented in the Statement of Financial Position	255,026		221,101
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	10,030		3,992
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Received	15,870		47,706
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	229,126		169,403
Derivative Asset, Not Subject to Master Netting Arrangement	1,750	[1]	1,390	[1]
Gross Amounts of Recognized Assets, Total Derivatives Assets, Including Derivatives Not Subject to Master Netting Arrangement	286,345		256,885
Net Amounts of Assets Presented in the Statement of Financial Position, Total Derivatives Assets	256,776		222,491
Net Amount, Total Derivatives Assets	230,876		170,793
Gross Amounts of Recognized Assets, Total Financial Assets	286,345		256,885
Gross Amounts Offset in the Statement of Financial Position, Total Financial Assets	29,569		34,394
Net Amounts of Assets Presented in the Statement of Financial Position, Total Financial Assets	256,776		222,491
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments, Total Financial Assets	10,030		3,992
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Received, Total Financial Assets	15,870		47,706
Net Amount, Total Financial Assets	230,876		170,793
Other derivative activities [Member]	'		'
Offsetting Assets [Line Items]	'		'
Gross Amounts of Recognized Assets	277,426	[2]	249,619	[2]
Gross Amounts Offset in the Statement of Financial Position	29,569	[2]	34,394	[2]
Net Amounts of Assets Presented in the Statement of Financial Position	247,857	[2]	215,225	[2]
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	10,030	[2]	3,992	[2]
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Received	15,870	[2]	47,706	[2]
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	221,957	[2]	163,527	[2]
Fair value hedges [Member]	'		'
Offsetting Assets [Line Items]	'		'
Gross Amounts of Recognized Assets	1,656		1,073
Gross Amounts Offset in the Statement of Financial Position	0		0
Net Amounts of Assets Presented in the Statement of Financial Position	1,656		1,073
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	0		0
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Received	0		0
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	1,656		1,073
Cash flow hedges [Member]	'		'
Offsetting Assets [Line Items]	'		'
Gross Amounts of Recognized Assets	5,513		4,803
Gross Amounts Offset in the Statement of Financial Position	0		0
Net Amounts of Assets Presented in the Statement of Financial Position	5,513		4,803
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	0		0
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Received	0		0
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	$5,513		$4,803
[1]	Includes mortgage banking derivatives
[2]	Includes customer-related and other derivatives

DERIVATIVES_Offsetting_of_Fina1

DERIVATIVES (Offsetting of Financial Liabilities) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
Offsetting Liabilities [Line Items]	'		'
Gross Amounts of Recognized Liabilities	$328,237,000		$273,705,000
Gross Amounts Offset in the Statement of Financial Position	29,569,000		34,394,000
Net Amounts of Liabilities Presented in the Statement of Financial Position	298,668,000		239,311,000
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	88,275,000		137,283,000
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Pledged	92,428,000		79,666,000
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	69,779,000		22,362,000
Derivative Liability, Not Subject to Master Netting Arrangement	0	[1]	0	[1]
Gross Amounts of Recognized Liabilities, Including Derivatives Not Subject to Master Netting Arrangement	328,237,000		273,705,000
Net Amounts of Liabilities Presented in the Statement of Financial Position, Total Derivatives Liabilities	298,668,000		239,311,000
Net Amount, Total Derivatives Liabilities	69,779,000		22,362,000
Gross Amounts of Recognized Liabilities, Total Financial Liabilities	328,237,000		273,705,000
Gross Amounts Offset in the Statement of Financial Position, Total Financial Liabilities	29,569,000		34,394,000
Net Amounts of Liabilities Presented in the Statement of Financial Position, Total Financial Liabilities	298,668,000		239,311,000
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments, Total Financial Liabilities	88,275,000		137,283,000
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Pledged, Total Financial Liabilities	92,428,000		79,666,000
Net Amount, Total Financial Liabilities	69,779,000		22,362,000
Other derivative activities [Member]	'		'
Offsetting Liabilities [Line Items]	'		'
Gross Amounts of Recognized Liabilities	279,490,000	[2]	213,400,000	[2]
Gross Amounts Offset in the Statement of Financial Position	29,569,000	[2]	34,394,000	[2]
Net Amounts of Liabilities Presented in the Statement of Financial Position	249,921,000	[2]	179,006,000	[2]
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	57,232,000	[2]	102,402,000	[2]
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Pledged	108,590,000	[2]	37,538,000	[2]
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	84,099,000	[2]	39,066,000	[2]
Fair value hedges [Member]	'		'
Offsetting Liabilities [Line Items]	'		'
Gross Amounts of Recognized Liabilities	1,718,000		1,924,000
Gross Amounts Offset in the Statement of Financial Position	0		0
Net Amounts of Liabilities Presented in the Statement of Financial Position	1,718,000		1,924,000
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	0		0
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Pledged	1,162,000		1,311,000
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	556,000		613,000
Cash flow hedges [Member]	'		'
Offsetting Liabilities [Line Items]	'		'
Gross Amounts of Recognized Liabilities	47,029,000		58,381,000
Gross Amounts Offset in the Statement of Financial Position	0		0
Net Amounts of Liabilities Presented in the Statement of Financial Position	47,029,000		58,381,000
Gross Amounts Not Offset in the Statement of Financial Position - Financial Instruments	31,043,000		34,881,000
Gross Amounts Not Offset in the Statement of Financial Position - Cash Collateral Pledged	30,862,000		40,817,000
Net Amount, Subject to Master Netting Arrangement or Similar Arrangement	($14,876,000)		($17,317,000)
[1]	Includes mortgage banking derivatives
[2]	Includes customer-related and other derivatives

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	3 Months Ended		24 Months Ended	60 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2007	Dec. 31, 2007
				transaction
Income Tax Disclosure [Abstract]	'	'	'	'
Income tax provision	$1,050,107,000	$102,670,000	'	'
Effective tax rate	35.90%	26.40%	'	'
Number of financing transactions related to lawsuit	'	'	'	2
Transaction amount related to lawsuit seeking refund of taxes paid	'	'	'	1,200,000,000
Foreign taxes paid	'	'	'	264,000,000
Disallowed interest expense and transaction costs deductions	'	'	'	74,600,000
Penalties and interest expense	'	'	'	92,500,000
Tax reserve	96,900,000	'	'	'
Reasonably possible decrease in reserve for uncertain tax positions	96,900,000	'	'	'
Reasonably possible increase in reserve for uncertain tax positions	296,000,000	'	'	'
Maximum potential liability resulting from recharacteriazation of ordinary losses	95,600,000	'	'	'
Potential interest owed resulting from the recharacterization adjustment of ordinary losses to capital losses	'	'	11,100,000	'
Potential penalties owed resulting from the recharacterization adjustment of ordinary losses to capital losses	'	'	$14,500,000	'

STOCKHOLDERS_EQUITY_Details

STOCKHOLDER'S EQUITY (Details) (USD $)	3 Months Ended			1 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Feb. 28, 2014	Feb. 28, 2014
				Santander [Member]	Santander [Member]
				Stock Issued for Cash [Member]	Extinguishment of Debt [Member]
Class of Stock [Line Items]	'	'	'	'	'
Proceeds from the issuance of common stock	$1,754,827	$0	'	$1,750,000	$750,000
Issuance of common stock, shares	'	'	'	7,000,000	3,000,000
Common Stock, shares outstanding	530,307,043	'	520,307,043	'	'

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Net of Tax [Roll Forward]	'		'
Accumulated other comprehensive income (loss), cash flow hedge derivative financial instruments, beginning balance	($39,423)		($79,174)
Change in accumulated gains (losses) on cash flow hedge derivative financial instruments, pretax activity	-1,648		1,469
Change in accumulated gains (losses) on cash flow hedge derivative financial instruments, tax effect	586		-15,456
Change in accumulated gains (losses) on cash flow hedge derivative financial instruments, net activity	-1,062		-13,987
Reclassification adjustment for net losses on cash flow hedge derivative financial instruments, pretax activity	13,685	[1]	17,401
Reclassification adjustment for net losses on cash flow hedge derivative financial instruments, tax effect	-4,863	[1]	7,415
Reclassification adjustment for net losses on cash flow hedge derivative financial instruments, net activity	8,822	[1]	24,816
Net unrealized gains (losses) on cash flow hedge derivative financial instruments, pretax activity	12,037		18,870
Net unrealized gains (losses) on cash flow hedge derivative financial instruments, tax effect	-4,277		-8,041
Net unrealized gains (losses) on cash flow hedge derivative financial instruments, net activity	7,760		10,829
Accumulated other comprehensive income (loss), cash flow hedge derivative financial instruments, ending balance	-31,663		-68,345
Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax [Roll Forward]	'		'
Accumulated other comprehensive income (loss), investment securities available-for-sale, beginning balance	-199,392		160,224
Change in unrealized gains on investment securities available-for-sale, pretax activity	2,566,682		-32,808
Change in unrealized gains on investment securities available-for-sale, tax effect	-1,005,159		71,364
Change in unrealized gains on investment securities available-for-sale, net activity	1,561,523		38,556
Reclassification adjustment for net gains included in net income on non-OTTI securities, Pretax Activity	-2,430,483	[2]	'
Reclassification adjustment for net gains included in net income on non-OTTI securities, Tax Effect	951,821	[2]	'
Reclassification adjustment for net gains included in net income on non-OTTI securities, Net Activity	-1,478,662	[2]	'
Reclassification adjustment for net gains included in net income, pretax activity	'		-73,522
Reclassification adjustment for net gains included in net income, tax effect	'		-29,173
Reclassification adjustment for net gains included in net income, net activity	'		-102,695
Net unrealized gains on investment securities available-for-sale, pretax activity	136,199		-106,330
Net unrealized gains on investment securities available-for-sale, tax effect	-53,338		42,191
Net unrealized gains on investment securities available-for-sale, net activity	82,861		-64,139
Accumulated other comprehensive income (loss), investment securities available-for-sale, ending balance	-116,531		96,085
Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax [Roll Forward]	'		'
Accumulated other comprehensive income (loss), defined benefit plans, beginning balance	-15,553	[3]	-26,716
Pension and post-retirement actuarial loss, pretax activity	447	[3]	905
Pension and post-retirement actuarial loss, tax effect	115	[3]	-355
Pension and post-retirement actuarial loss, net activity	562	[3]	549
Accumulated other comprehensive income (loss), defined benefit plans, ending balance	-14,991	[3]	-26,167
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]	'		'
Accumulated other comprehensive income (loss), beginning balance	-254,368		54,334
Other comprehensive income (loss), pretax activity	148,683		-86,555
Other comprehensive income (loss), tax effect	-57,500		33,795
TOTAL OTHER COMPREHENSIVE (LOSS)/INCOME	91,183		-52,761
Accumulated other comprehensive income (loss), ending balance	($163,185)		$1,573
[1]	Net losses reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statement of Operations for settlements of interest rate swap contracts designated as cash flow hedges.
[2]	Net gains reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statement of Operations for the sale of available-for-sale securities.
[3]	Included in the computation of net periodic pension costs.

COMMITMENTS_CONTINGENCIES_AND_2

COMMITMENTS, CONTINGENCIES, AND GUARANTEES (Off-Balance Sheet Risk and Guarantees) (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Dec. 31, 2013

Dec. 31, 2012

Jul. 03, 2013

Jul. 03, 2013

FNMA [Member]

Multi-family loans [Member]

Residential mortgages [Member]

Residential mortgages [Member]

Commitments to extend credit [Member]

Commitments to extend credit [Member]

Credit card lines of credit [Member]

Credit card lines of credit [Member]

Letters of credit [Member]

Letters of credit [Member]

Recourse and credit enhancement exposure on sold loans [Member]

Recourse and credit enhancement exposure on sold loans [Member]

Recourse and credit enhancement exposure on sold loans [Member]

Recourse and credit enhancement exposure on sold loans [Member]

Recourse and credit enhancement exposure on sold loans [Member]

Recourse and credit enhancement exposure on sold loans [Member]

Commitments to sell loans [Member]

Commitments to sell loans [Member]

SCUSA [Member]

Letters of credit [Member]

Letters of credit [Member]

Letters of credit [Member]

July 2014 to July 2015 [Member]

January 2014 to July 2017 [Member]

FNMA [Member]

Multi-family loans [Member]

Multi-family loans [Member]

Residential mortgages [Member]

Residential mortgages [Member]

Commitments to sell loans [Member]

SCUSA [Member]

SCUSA [Member]

SCUSA [Member]

Minimum [Member]

Minimum [Member]

FNMA [Member]

FNMA [Member]

SCUSA [Member]

SCUSA [Member]

Loan purchase commitments [Member]

Loan purchase commitments [Member]

Commitments [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

One year or less

'

'

'

'

'

'

'

$4,935,330,000

$5,163,591,000

'

'

$1,686,607,000

$1,680,277,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Over 1 year to 3 years

'

'

'

'

'

'

'

5,515,231,000

5,716,759,000

'

'

347,331,000

333,769,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Over 3 years to 5 years

'

'

'

'

'

'

'

7,302,105,000

6,457,992,000

'

'

262,318,000

96,558,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Over 5 years

'

'

'

'

'

'

'

6,361,786,000

6,313,449,000

'

'

25,624,000

5,623,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Contract or notional amount

27,464,038,000

26,771,985,000

'

'

'

'

'

24,114,452,000

23,651,791,000

834,951,000

815,573,000

2,321,880,000

2,116,227,000

179,914,000

184,584,000

'

'

'

'

12,841,000

3,810,000

300,000

'

'

'

'

'

Commitments, weighted average term

'

'

'

'

'

'

'

'

'

'

'

'16 months 3 days

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Value of underlying collateral

'

'

'

'

'

'

'

'

'

'

'

500,000,000

'

'

'

154,500,000

159,000,000

'

'

'

'

'

'

'

'

'

'

Reserve for unfunded lending commitments

180,000,000

220,000,000

210,000,000

'

'

'

'

'

'

'

'

141,200,000

129,800,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Line of credit outstanding

38,800,000

90,200,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans sold with recourse, unpaid principal balance

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

3,200,000,000

4,300,000,000

63,600,000

65,700,000

'

'

'

'

'

'

'

'

Loans sold with recourse, portion of first credit loss position retained, percent

'

'

'

'

100.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Retained credit risk, multifamily servicing

57,000,000

68,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Repurchase amount of loans

'

'

'

1,500,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans sold with recourse, maximum exposure

'

'

'

'

'

25,400,000

25,600,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Collateral posted

178,300,000

203,900,000

'

'

'

'

'

'

'

'

'

'

'

900,000

900,000

'

'

'

'

'

'

'

'

'

'

'

'

Forward contracts maturity period (less than one year)

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'1 year

'

'

'

'

'

'

'

SCUSA Commitments [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Letter of credit, maximum borrowing capacity

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

500,000

500,000

'

'

'

Letters of credit outstanding

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0

0

'

'

Loan purchase commitment amount

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$30,000

$30,000

Loan purchase commitment, as a percentage of lending entity's near-prime originations

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

75.00%

50.00%

COMMITMENTS_CONTINGENCIES_AND_3

COMMITMENTS, CONTINGENCIES, AND GUARANTEES (Representation and Warranty Reserve) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Representation and Warranty Reserve [Roll Forward]	'	'
Beginning Balance	$54,836	$50,662
Provision	193	6,823
Charge-offs	-4,514	-6,778
Ending Balance	$50,515	$50,707

COMMITMENTS_CONTINGENCIES_AND_4

COMMITMENTS, CONTINGENCIES, AND GUARANTEES (Litigation) (Details) (USD $)	12 Months Ended			3 Months Ended					3 Months Ended	12 Months Ended
	Dec. 31, 2013	Mar. 31, 2014	Nov. 27, 2013	Mar. 31, 2014	Feb. 28, 2013	Jan. 24, 2013	Jan. 06, 2013	Apr. 13, 2011	Mar. 31, 2014	Dec. 31, 2013
			Fabrikant & Sons Bankruptcy Adversary Proceeding [Member]	Foreclosure Matters [Member]	Foreclosure Matters [Member]	Foreclosure Matters [Member]	Foreclosure Matters [Member]	Foreclosure Matters [Member]	Identity Theft Protection Product Matter [Member]	General and Administrative Expense [Member]
					Mortgage_Servicer	Mortgage_Servicer	Mortgage_Servicer	Mortgage_Servicer
Loss Contingencies [Line Items]	'	'	'	'	'	'	'	'	'	'
Loss contingency, maximum possible loss	'	$30,800,000	'	'	'	'	'	'	'	'
Contracts receivable, claims and uncertain amounts	'	'	22,000,000	'	'	'	'	'	'	'
Liability for claims and claims adjustment expense	'	'	9,800,000	'	'	'	'	'	'	'
Consent order, number of mortgage servicers	'	'	'	'	'	'	'	14	'	'
Number of mortgage servicing companies	'	'	'	'	10	12	9	'	'	'
Remediation fund amount	'	'	'	6,200,000	'	'	'	'	'	'
Remediation fund engaging period	'	'	'	'2 years	'	'	'	'	'	'
Principal engaging in mortgage modifications	'	'	'	9,900,000	'	'	'	'	'	'
Mortgage loan amount submitted for credit from OCC	74,100,000	'	'	'	'	'	'	'	'	'
Litigation settlement incurred by the Bank as percentage of total settlement amount	'	'	'	0.17%	'	'	'	'	'	'
Litigation settlement amount accumulated by different banks	'	'	'	9,300,000,000	'	'	'	'	'	'
Litigation settlement gross amount	'	'	'	16,100,000	'	'	'	'	'	'
Expected fees to be returned to customers	'	'	'	'	'	'	'	'	'	30,000,000
Identity theft protection payments returned to customers	'	'	'	'	'	'	'	'	$11,500,000	'

FAIR_VALUE_General_Details

FAIR VALUE (General) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Mar. 31, 2013
In Thousands, unless otherwise specified	Recurring [Member]	Recurring [Member]	Recurring [Member]	Recurring [Member]	Recurring [Member]	Recurring [Member]	Recurring [Member]	Recurring [Member]	Residential mortgages [Member]	Residential mortgages [Member]
	Fair Value [Member]	Fair Value [Member]	Level 1 [Member]	Level 1 [Member]	Level 2 [Member]	Level 2 [Member]	Level 3 [Member]	Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'	'	'	'
Change in fair value due to valuation assumptions	'	'	'	'	'	'	'	'	($4,459)	$10,096
Assets	$13,710,541	$12,173,861	$9,960	$9,841	$10,822,701	$11,968,732	$2,877,880	$195,288	'	'
Percentage of level 3 assets to total assets held at fair value	'	'	'	'	'	'	21.00%	'	'	'
Percentage of level 3 assets to total assets	'	'	'	'	'	'	2.60%	'	'	'

FAIR_VALUE_Fair_Value_Measurem

FAIR VALUE (Fair Value Measurements, Recurring) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	$11,694,073,000	$11,646,240,000
Derivative assets at fair value	256,776,000	222,491,000
Derivative liabilities	298,668,000	239,311,000
US Treasury and government agency securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	25,000,000	24,997,000
Corporate debt [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	2,235,132,000	2,218,180,000
Asset-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	2,650,106,000	2,732,230,000
Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	9,960,000	9,841,000
State and municipal securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,888,760,000	1,850,149,000
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	9,960,000	9,841,000
Loans held for sale	176,425,000	0
Mortgage servicing rights	0	0
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Significant Other Observable Inputs (Level 2) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	10,459,101,000	11,583,459,000
Loans held for sale	78,995,000	128,949,000
Mortgage servicing rights	0	0
Derivative assets at fair value	284,605,000	256,324,000
Derivative liabilities	327,846,000	273,306,000
Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,225,012,000	52,940,000
Loans held for sale	0	0
Mortgage servicing rights	134,775,000	141,787,000
Derivative assets at fair value	1,740,000	561,000
Derivative liabilities	390,000	397,000
Fair Value [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	11,694,073,000	11,646,240,000
Loans held for sale	255,420,000	128,949,000
Mortgage servicing rights	134,775,000	141,787,000
Derivative assets at fair value	286,345,000	256,885,000
Derivative liabilities	328,236,000	273,703,000
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	9,960,000	9,841,000
Retail installment contracts held for investment	0	'
Loans held for sale	0	0
Mortgage servicing rights	0	0
Total financial assets	9,960,000	9,841,000
Total financial liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage banking interest rate lock commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage banking forward sell commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Customer related [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Total return swap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreign exchange [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage servicing [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest rate swap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	'
Derivative liabilities	0	'
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest rate cap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	'
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Option for interest rate cap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	0	'
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | US Treasury and government agency securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate debt [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Asset-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	9,960,000	9,841,000
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | State and municipal securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Mortgage backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair value [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Cash flow [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	10,459,101,000	11,583,459,000
Retail installment contracts held for investment	0	'
Loans held for sale	78,995,000	128,949,000
Mortgage servicing rights	0	0
Total financial assets	10,822,701,000	11,968,732,000
Total financial liabilities	327,846,000	273,306,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage banking interest rate lock commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage banking forward sell commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	92,000	2,101,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Customer related [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	208,399,000	225,811,000
Derivative liabilities	180,435,000	198,669,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Total return swap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Foreign exchange [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	9,021,000	11,631,000
Derivative liabilities	8,060,000	9,745,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage servicing [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	8,013,000	6,155,000
Derivative liabilities	10,108,000	488,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Interest rate swap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	3,067,000	'
Derivative liabilities	31,502,000	'
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Interest rate cap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	43,599,000	'
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Option for interest rate cap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	43,680,000	'
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	5,245,000	4,750,000
Derivative liabilities	5,314,000	4,099,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | US Treasury and government agency securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	25,000,000	24,997,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate debt [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	2,235,132,000	2,218,180,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Asset-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,425,094,000	2,679,290,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | State and municipal securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,888,760,000	1,850,149,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Mortgage backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	4,885,115,000	4,810,843,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Fair value [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	1,656,000	1,073,000
Derivative liabilities	1,718,000	1,924,000
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Cash flow [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	5,513,000	4,803,000
Derivative liabilities	47,029,000	58,381,000
Recurring [Member] | Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,225,012,000	52,940,000
Retail installment contracts held for investment	1,516,353,000	'
Loans held for sale	0	0
Mortgage servicing rights	134,775,000	141,787,000
Total financial assets	2,877,880,000	195,288,000
Total financial liabilities	390,000	397,000
Recurring [Member] | Level 3 [Member] | Mortgage banking interest rate lock commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	1,728,000	547,000
Recurring [Member] | Level 3 [Member] | Mortgage banking forward sell commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Recurring [Member] | Level 3 [Member] | Customer related [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Level 3 [Member] | Total return swap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	285,000	285,000
Recurring [Member] | Level 3 [Member] | Foreign exchange [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Level 3 [Member] | Mortgage servicing [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Level 3 [Member] | Interest rate swap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	'
Derivative liabilities	0	'
Recurring [Member] | Level 3 [Member] | Interest rate cap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	'
Recurring [Member] | Level 3 [Member] | Option for interest rate cap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	0	'
Recurring [Member] | Level 3 [Member] | Other [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	12,000	14,000
Derivative liabilities	105,000	112,000
Recurring [Member] | Level 3 [Member] | US Treasury and government agency securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Level 3 [Member] | Corporate debt [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Level 3 [Member] | Asset-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,225,012,000	52,940,000
Recurring [Member] | Level 3 [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Level 3 [Member] | State and municipal securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Level 3 [Member] | Mortgage backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	0	0
Recurring [Member] | Level 3 [Member] | Fair value [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Level 3 [Member] | Cash flow [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	0	0
Derivative liabilities	0	0
Recurring [Member] | Fair Value [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	11,694,073,000	11,646,240,000
Loans held for sale	78,995,000	128,949,000
Mortgage servicing rights	134,775,000	141,787,000
Total financial assets	13,710,541,000	12,173,861,000
Total financial liabilities	328,236,000	273,703,000
Recurring [Member] | Fair Value [Member] | Mortgage banking interest rate lock commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	1,728,000	547,000
Recurring [Member] | Fair Value [Member] | Mortgage banking forward sell commitments [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	92,000	2,101,000
Recurring [Member] | Fair Value [Member] | Customer related [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	208,399,000	225,811,000
Derivative liabilities	180,435,000	198,669,000
Recurring [Member] | Fair Value [Member] | Total return swap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	285,000	285,000
Recurring [Member] | Fair Value [Member] | Foreign exchange [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	9,021,000	11,631,000
Derivative liabilities	8,060,000	9,745,000
Recurring [Member] | Fair Value [Member] | Mortgage servicing [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	8,013,000	6,155,000
Derivative liabilities	10,108,000	488,000
Recurring [Member] | Fair Value [Member] | Interest rate swap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	3,067,000	'
Derivative liabilities	31,502,000	'
Recurring [Member] | Fair Value [Member] | Interest rate cap agreements [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	43,599,000	'
Recurring [Member] | Fair Value [Member] | Option for interest rate cap [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative liabilities	43,680,000	'
Recurring [Member] | Fair Value [Member] | Other [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	5,257,000	4,764,000
Derivative liabilities	5,419,000	4,211,000
Recurring [Member] | Fair Value [Member] | US Treasury and government agency securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	25,000,000	24,997,000
Recurring [Member] | Fair Value [Member] | Corporate debt [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	2,235,132,000	2,218,180,000
Recurring [Member] | Fair Value [Member] | Asset-backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	2,650,106,000	2,732,230,000
Recurring [Member] | Fair Value [Member] | Equity securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	9,960,000	9,841,000
Recurring [Member] | Fair Value [Member] | State and municipal securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	1,888,760,000	1,850,149,000
Recurring [Member] | Fair Value [Member] | Mortgage backed securities [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Available-for-sale securities	4,885,115,000	4,810,843,000
Recurring [Member] | Fair Value [Member] | Fair value [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	1,656,000	1,073,000
Derivative liabilities	1,718,000	1,924,000
Recurring [Member] | Fair Value [Member] | Cash flow [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Derivative assets at fair value	5,513,000	4,803,000
Derivative liabilities	$47,029,000	$58,381,000

FAIR_VALUE_Fair_Value_Measurem1

FAIR VALUE (Fair Value Measurements, Non-recurring) (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

In Thousands, unless otherwise specified

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Nonrecurring [Member]

Impaired loans held for investment [Member]

Impaired loans held for investment [Member]

Impaired loans held for investment [Member]

Impaired loans held for investment [Member]

Foreclosed assets [Member]

Foreclosed assets [Member]

Repossessed vehicle inventory [Member]

Repossessed vehicle inventory [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Level 3 [Member]

Level 3 [Member]

Fair Value [Member]

Fair Value [Member]

Provision for credit losses [Member]

Provision for credit losses [Member]

Other administrative expense [Member]

Other administrative expense [Member]

Provision for credit losses [Member]

Provision for credit losses [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans held for investment

'

'

'

'

'

'

'

'

'

'

'

'

$0

$0

$63,176

$149,796

$71,397

$137,356

$134,573

$287,152

Foreclosed assets

'

'

'

'

'

'

'

'

'

'

'

'

0

0

20,476

57,431

0

0

20,476

57,431

Repossessed vehicle inventory

'

'

'

'

'

'

'

'

'

'

'

'

0

'

137,648

'

0

'

137,648

'

Total carrying value of the loans

1,385,713

[1]

1,233,152

[1]

'

'

95,300

209,100

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Fair value adjustment

'

'

$101,902

$13,888

'

'

($2,809)

$15,432

($223)

($1,544)

$104,934

$0

'

'

'

'

'

'

'

'

[1]

Recorded investment includes deferred loan fees, net of deferred origination costs and unamortized purchase premiums, net of discounts as well as purchase accounting adjustments.

FAIR_VALUE_Reconciliation_of_A

FAIR VALUE (Reconciliation of Assets and Liabilities Using Level 3 Inputs) (Details) (Level 3 [Member], USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]	'		'
Transfers into level 3	$1,171,460		'
Recurring [Member]	'		'
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]	'		'
Balance, beginning of period	194,891		150,608
Gains in other comprehensive income	1,048		1,856
Gains/(losses) in earnings	140,640		6,293
Additions/Issuances	1,872,257		13,172
Settlements	-502,806	[1]	-6,926	[2]
Balance, end of period	2,877,490		165,003
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	-4,594		10,013
Recurring [Member] | Investments Available-for-sale [Member]	'		'
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]	'		'
Balance, beginning of period	52,940		43,374
Gains in other comprehensive income	1,048		1,856
Gains/(losses) in earnings	0		0
Additions/Issuances	0		0
Settlements	-436	[1]	-412	[2]
Transfers into level 3	1,171,460		'
Balance, end of period	1,225,012		44,818
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	0		0
Recurring [Member] | Loans Held-for-investment [Member]	'		'
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]	'		'
Balance, beginning of period	0		'
Gains in other comprehensive income	0		'
Gains/(losses) in earnings	144,053		'
Additions/Issuances	1,870,383		'
Settlements	-498,083	[1]	'
Transfers into level 3	0		'
Balance, end of period	1,516,353		'
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	0		'
Recurring [Member] | MSRs [Member]	'		'
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]	'		'
Balance, beginning of period	141,787		92,512
Gains in other comprehensive income	0		0
Gains/(losses) in earnings	-4,459		10,096
Additions/Issuances	1,874		13,172
Settlements	-4,427	[1]	-6,617	[2]
Transfers into level 3	0		'
Balance, end of period	134,775		109,163
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	-4,459		10,096
Recurring [Member] | Derivatives [Member]	'		'
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]	'		'
Balance, beginning of period	164		14,722
Gains in other comprehensive income	0		0
Gains/(losses) in earnings	1,046		-3,803
Additions/Issuances	0		0
Settlements	140	[1]	103	[2]
Transfers into level 3	0		'
Balance, end of period	1,350		11,022
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	($135)		($83)
[1]	Settlements include charge-offs, prepayments, paydowns and maturities.
[2]	Settlements include prepayments, paydowns and maturities.

FAIR_VALUE_Sensitivity_Analysi

FAIR VALUE (Sensitivity Analysis of Fair Value, Mortgage Servicing Rights) (Details) (Mortgage servicing rights [Member], USD $)	Mar. 31, 2014
In Millions, unless otherwise specified
Mortgage servicing rights [Member]	'
Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]	'
Sensitivity analysis of fair value, impact of 10 percent adverse change in prepayment speed	($4.80)
Sensitivity analysis of fair value, impact of 20 percent adverse change in prepayment speed	-9.2
Sensitivity analysis of fair value, impact of 10 percent adverse change in discount rate	-5.1
Sensitivity analysis of fair value, impact of 20 percent adverse change in discount rate	($9.70)

FAIR_VALUE_Quantitative_Inform

FAIR VALUE (Quantitative Information) (Details) (USD $)

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

In Thousands, unless otherwise specified

Level 3 [Member]

Level 3 [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Recurring [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Level 3 [Member]

Discounted Cash Flow [Member]

Mortgage banking interest rate lock commitments [Member]

Mortgage banking interest rate lock commitments [Member]

Mortgage banking interest rate lock commitments [Member]

Mortgage banking interest rate lock commitments [Member]

Mortgage banking interest rate lock commitments [Member]

Mortgage banking interest rate lock commitments [Member]

Financing bonds [Member]

Financing bonds [Member]

Financing bonds [Member]

Financing bonds [Member]

Sale-lease back securities [Member]

Retail installment contracts held for investment [Member]

Retail installment contracts held for investment [Member]

Retail installment contracts held for investment [Member]

Retail installment contracts held for investment [Member]

Mortgage servicing rights [Member]

Mortgage servicing rights [Member]

Mortgage servicing rights [Member]

Mortgage servicing rights [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Consensus Pricing [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Discounted Cash Flow [Member]

Minimum [Member]

Maximum [Member]

Weighted average [Member]

Minimum [Member]

Maximum [Member]

Weighted average [Member]

Minimum [Member]

Maximum [Member]

Weighted average [Member]

Minimum [Member]

Maximum [Member]

Weighted average [Member]

Fair Value Inputs, Assets and Liabilities, Quantitative Information [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Financing Bonds

'

'

'

'

'

'

'

'

'

'

'

'

'

$1,171,460

'

'

'

'

'

'

'

'

'

'

'

'

Available-for-sale at fair value

11,694,073

11,646,240

1,225,012

52,940

1,225,012

52,940

'

'

'

'

'

'

'

'

'

'

'

53,552

[1]

'

'

'

'

'

'

'

'

Retail installment contracts held for investment

'

'

'

'

1,516,353

'

'

'

'

'

'

'

'

'

'

'

'

'

1,516,353

'

'

'

'

'

'

'

Mortgage servicing rights

'

'

134,775

141,787

134,775

141,787

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

134,775

'

'

'

Derivative assets at fair value

$256,776

$222,491

$1,740

$561

'

'

'

$1,728

$547

$1,728

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Fair Value Inputs [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Discount rate

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0.53%

[2]

2.35%

[2]

1.44%

[2]

'

'

5.29%

[3]

12.00%

[3]

6.85%

[3]

9.55%

[4]

'

'

'

Offered quotes

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

135.68%

[5]

'

'

'

'

'

'

'

'

ABS

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

40.00%

[6]

'

'

'

'

'

'

'

Prepayment rate (CPR)

'

'

'

'

'

'

11.00%

[7]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

0.35%

[8]

43.58%

[8]

9.05%

[8]

Recovery rate

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

25.00%

[9]

45.00%

[9]

41.00%

[9]

'

'

'

'

Pull through percentage

'

'

'

'

'

'

'

'

'

76.46%

[10]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

MSR value

'

'

'

'

'

'

'

'

'

'

0.74%

[11]

1.16%

[11]

1.12%

[11]

'

'

'

'

'

'

'

'

'

'

'

'

'

[1]

Consensus pricing refers to fair value estimates that are generally developed using information such as dealer quotes or other third-party valuations or comparable asset prices.

[2]

Based on the applicable term and discount index.

[3]

Based on the cost of funding of debt issuance and recent historical equity yields.

[4]

Based on the nature of the input, a range or weighted average does not exist.

[5]

Based on the nature of the input, a range or weighted average does not exist. For sale-lease back securities, the Company owns one security.

[6]

Based on the historical default rate and adjustments to reflect voluntary prepayments.

[7]

Based on the analysis of available data from a comparable market securitization of similar assets.

[8]

Average CPR projected from collateral stratified by loan type, note rate and maturity.

[9]

Based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool.

[10]

Historical weighted average based on principal balance calculated as the percentage of loans originated for sale divided by total commitments less outstanding commitments.

[11]

MSR value is the estimated value of the servicing right embedded in the underlying loan, expressed in basis points of outstanding unpaid principal balance.

FAIR_VALUE_Fair_Value_of_Finan

FAIR VALUE (Fair Value of Financial Instruments) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Financial Instruments, Financial Assets [Abstract]	'	'
Available-for-sale securities	$11,694,073,000	$11,646,240,000
Loans held for investment, net	72,952,024,000	49,087,340,000
Derivative assets at fair value	256,776,000	222,491,000
Financial Instruments, Financial Liabilities [Abstract]	'	'
Derivative liabilities	298,668,000	239,311,000
Restricted cash	1,912,244,000	97,397,000
Carrying Value [Member]	'	'
Financial Instruments, Financial Assets [Abstract]	'	'
Cash and amounts due from depository institutions	3,485,572,000	4,226,947,000
Available-for-sale securities	11,694,073,000	11,646,240,000
Debentures of FHLB, FNMA and FHLMC	19,910,000	19,862,000
Loans held for investment, net	72,952,024,000	49,087,340,000
Loans held for sale	250,461,000	128,949,000
Restricted Cash	1,912,244,000	97,397,000
Mortgage servicing rights	134,775,000	141,787,000
Derivative assets at fair value	286,345,000	256,885,000
Financial Instruments, Financial Liabilities [Abstract]	'	'
Deposits	50,044,848,000	49,521,406,000
Borrowings and other debt obligations	34,766,697,000	12,376,624,000
Derivative liabilities	328,236,000	273,703,000
Fair Value [Member]	'	'
Financial Instruments, Financial Assets [Abstract]	'	'
Cash and amounts due from depository institutions	3,485,572,000	4,226,947,000
Available-for-sale securities	11,694,073,000	11,646,240,000
Debentures of FHLB, FNMA and FHLMC	20,000,000	20,000,000
Loans held for investment, net	73,831,529,000	49,307,888,000
Loans held for sale	255,420,000	128,949,000
Restricted Cash	1,912,244,000	97,397,000
Mortgage servicing rights	134,775,000	141,787,000
Derivative assets at fair value	286,345,000	256,885,000
Financial Instruments, Financial Liabilities [Abstract]	'	'
Deposits	50,113,822,000	49,609,846,000
Borrowings and other debt obligations	35,521,696,000	13,210,300,000
Derivative liabilities	328,236,000	273,703,000
Level 1 [Member]	'	'
Financial Instruments, Financial Assets [Abstract]	'	'
Cash and amounts due from depository institutions	3,485,572,000	4,226,947,000
Available-for-sale securities	9,960,000	9,841,000
Debentures of FHLB, FNMA and FHLMC	0	0
Loans held for investment, net	0	0
Loans held for sale	176,425,000	0
Restricted Cash	1,912,244,000	97,397,000
Mortgage servicing rights	0	0
Derivative assets at fair value	0	0
Financial Instruments, Financial Liabilities [Abstract]	'	'
Deposits	42,348,749,000	41,382,336,000
Borrowings and other debt obligations	0	0
Derivative liabilities	0	0
Level 2 [Member]	'	'
Financial Instruments, Financial Assets [Abstract]	'	'
Cash and amounts due from depository institutions	0	0
Available-for-sale securities	10,459,101,000	11,583,459,000
Debentures of FHLB, FNMA and FHLMC	20,000,000	20,000,000
Loans held for investment, net	63,176,000	149,796,000
Loans held for sale	78,995,000	128,949,000
Restricted Cash	0	0
Mortgage servicing rights	0	0
Derivative assets at fair value	284,605,000	256,324,000
Financial Instruments, Financial Liabilities [Abstract]	'	'
Deposits	7,765,073,000	8,227,510,000
Borrowings and other debt obligations	26,247,970,000	13,210,300,000
Derivative liabilities	327,846,000	273,306,000
Level 3 [Member]	'	'
Financial Instruments, Financial Assets [Abstract]	'	'
Cash and amounts due from depository institutions	0	0
Available-for-sale securities	1,225,012,000	52,940,000
Debentures of FHLB, FNMA and FHLMC	0	0
Loans held for investment, net	73,768,353,000	49,158,092,000
Loans held for sale	0	0
Restricted Cash	0	0
Mortgage servicing rights	134,775,000	141,787,000
Derivative assets at fair value	1,740,000	561,000
Financial Instruments, Financial Liabilities [Abstract]	'	'
Deposits	0	0
Borrowings and other debt obligations	9,273,726,000	0
Derivative liabilities	$390,000	$397,000

FAIR_VALUE_Fair_Value_Option_D

FAIR VALUE (Fair Value Option Disclosure) (Details) (USD $)	3 Months Ended	0 Months Ended	3 Months Ended				3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Jan. 28, 2014	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Mar. 31, 2014	Mar. 31, 2014
	Retail installment contracts held for investment [Member]	SCUSA [Member]	Residential mortgages [Member]	Residential mortgages [Member]	Residential mortgages [Member]	Residential mortgages [Member]	Residential mortgages [Member]
		Retail installment contracts held for investment [Member]				Mortgage servicing rights [Member]	Loans held for sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'	'	'	'	'	'
Fair Value, Residential mortgage loans held for sale	'	'	$78,995	'	'	'	'
Aggregate Unpaid Principal Balance, Loans held-for-sale, contractual principal amount	'	'	78,192	'	'	'	'
Residential mortgage loans held for sale	'	'	803	'	'	'	'
Fair Value, Nonaccrual loans	'	'	0	'	'	'	'
Aggregate Unpaid Principal Balance, Nonaccrual loans	'	'	0	'	'	'	'
Difference, Nonaccrual loans	'	'	0	'	'	'	'
Fair Value, Retail installment contracts held for investment	'	1,900,000	1,516,353	'	'	'	'
Aggregate Unpaid Principal Balance, Retail installment contracts held for investment	'	2,600,000	2,034,155	'	'	'	'
Difference, Retail installment contracts held for investment	'	'	-517,802	'	'	'	'
Fair Value, Nonaccrual loans	'	'	116,283	'	'	'	'
Aggregate Unpaid Principal Balance, Nonaccrual loans	'	'	259,892	'	'	'	'
Difference, Nonaccrual loans	'	'	-143,609	'	'	'	'
Threshold period for discontinuing and reversing accrual of interest	'60 days	'60 days	'	'	'	'	'90 days
Mortgage servicing rights	'	'	134,800	'	141,787	134,775	'
Change in fair value due to valuation assumptions	'	'	($4,459)	$10,096	'	'	'

BUSINESS_SEGMENT_INFORMATION_S

BUSINESS SEGMENT INFORMATION (Segment Reporting Information) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
Segment Reporting Information [Line Items]	'		'
Net interest income	$1,172,105	[1]	$396,018
Total non-interest income	432,717	[1]	'
Total non-interest income	2,861,256		419,820
Gain on change in control	2,428,539	[1]	0
Provision for credit losses	335,330	[1]	16,850
Total expenses	770,281	[1]	410,820
Income/(loss) before income taxes	2,927,750	[1]	388,168
Intersegment (expense)/revenue	0	[1],[2]	0	[2]
Total average assets	96,780,130	[1]	84,373,974
Eliminations [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	-344,137	[1]	'
Total non-interest income	-60,003	[1]	'
Gain on change in control	0	[1]	'
Provision for credit losses	-225,455	[1]	'
Total expenses	-245,611	[1]	'
Income/(loss) before income taxes	66,926	[1]	'
Intersegment (expense)/revenue	0	[1],[2]	'
Total average assets	-8,928,268	[1]	'
Purchase Price Adjustments [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Gain on change in control	2,428,539	[1]	'
Retail Banking [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	215,506		184,283
Total non-interest income	74,433		'
Total non-interest income	'		96,771
Provision for credit losses	9,210		47,697
Total expenses	237,462		213,623
Income/(loss) before income taxes	43,267		19,734
Intersegment (expense)/revenue	65,051	[2]	17,905	[2]
Total average assets	18,795,973		20,619,141
Auto Finance and Alliances [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	7,157		3,959
Total non-interest income	5,939		'
Total non-interest income	'		228
Provision for credit losses	-1,247		-335
Total expenses	7,940		546
Income/(loss) before income taxes	6,403		3,976
Intersegment (expense)/revenue	-1,090	[2]	-895	[2]
Total average assets	1,184,957		712,540
Investment Services [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	1		1
Total non-interest income	12,985		'
Total non-interest income	'		10,829
Provision for credit losses	0		0
Total expenses	9,461		8,093
Income/(loss) before income taxes	3,525		2,737
Intersegment (expense)/revenue	1	[2]	1	[2]
Total average assets	960		1,689
Commercial and Large Corporate Banking [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	105,413		95,893
Total non-interest income	22,771		'
Total non-interest income	'		25,374
Provision for credit losses	4,495		-15,895
Total expenses	38,519		36,047
Income/(loss) before income taxes	85,170		101,115
Intersegment (expense)/revenue	-88,515	[2]	-97,806	[2]
Total average assets	20,756,002		20,009,717
Specialty and Government Banking [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	23,111		23,690
Total non-interest income	3,264		'
Total non-interest income	'		2,682
Provision for credit losses	1,414		30
Total expenses	8,727		7,076
Income/(loss) before income taxes	16,234		19,266
Intersegment (expense)/revenue	1,845	[2]	-130	[2]
Total average assets	2,782,206		2,578,293
Global Banking and Markets [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	41,555		40,721
Total non-interest income	22,427		'
Total non-interest income	'		25,305
Provision for credit losses	2,438		5,477
Total expenses	16,194		12,622
Income/(loss) before income taxes	45,350		47,927
Intersegment (expense)/revenue	-9,076	[2]	-12,661	[2]
Total average assets	8,438,934		8,520,883
Other [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	-9,694	[3]	47,471	[3]
Total non-interest income	28,074	[3]	'
Total non-interest income	'		70,110	[3]
Provision for credit losses	-16,310	[3]	-20,124	[3]
Total expenses	133,325	[3]	132,813	[3]
Income/(loss) before income taxes	-98,635	[3]	4,892	[3]
Intersegment (expense)/revenue	31,784	[2],[3]	93,586	[2],[3]
Total average assets	26,105,791	[3]	31,931,711	[3]
SCUSA [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	1,062,202	[1],[4]	0
Total non-interest income	239,599	[1],[4]	'
Total non-interest income	'		188,521
Provision for credit losses	698,579	[1],[4]	0
Total expenses	473,715	[1],[4]	0
Income/(loss) before income taxes	129,507	[1],[4]	188,521
Intersegment (expense)/revenue	0	[1],[2],[4]	0	[2]
Total average assets	27,643,575	[1],[4]	0
SCUSA [Member] | Purchase Price Adjustments [Member]	'		'
Segment Reporting Information [Line Items]	'		'
Net interest income	70,991	[1]	'
Total non-interest income	83,228	[1]	'
Provision for credit losses	-137,794	[1]	'
Total expenses	90,549	[1]	'
Income/(loss) before income taxes	2,630,003	[1]	'
Intersegment (expense)/revenue	0	[1],[2]	'
Total average assets	$0	[1]	'
[1]	Purchase Price Adjustments represents the impact that SCUSA purchase marks had on the results of SCUSA included within the consolidated operations of SHUSA, while eliminations adjust for the one month that SHUSA accounted for SCUSA as an equity method investment and eliminate intercompany transactions.
[2]	Intersegment revenue/ (expense) represents charges or credits for funds used or provided by each of the segments and is included in net interest income.
[3]	Other is not considered a segment and includes earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses.
[4]	Management of SHUSA manages SCUSA by analyzing the pre-Change in Control results of SCUSA as disclosed in this column.