Santander Holdings USA (SOV) 10-Q 9 May 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	Apr. 30, 2019
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	Mar. 31, 2019
Amendment Flag	false
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Current Fiscal Year End	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		530,391,043

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and cash equivalents		$ 7,564,183	$ 7,790,593
Investment securities:
Available-for-sale (AFS) at fair value		11,469,199	11,632,987
Held-to-maturity (HTM) (fair value of $2,674,628 and $2,676,049 as of March 31, 2019 and December 31, 2018, respectively)		2,711,701	2,750,680
Other investments (includes Trading securities of $6,228 and $10 as of March 31, 2019 and December 31, 2018, respectively)		893,544	805,357
Loans held-for-investment (LHFI)	[1],[2]	89,204,260	87,045,868
Allowance for loan and lease losses (ALLL)	[2]	(3,843,095)	(3,897,130)
Net LHFI		85,361,165	83,148,738
Loans held-for-sale (LHFS)	[3]	1,212,578	1,283,278
Goodwill		4,444,389	4,444,389
Intangible assets, net		460,429	475,193
Bank-owned life insurance (BOLI)		1,843,985	1,833,290
Restricted cash	[2]	3,268,581	2,931,711
Other assets	[2],[4]	4,482,633	3,653,336
TOTAL ASSETS		138,956,595	135,634,285
LIABILITIES
Accrued expenses and payables		3,687,091	3,035,848
Deposits and other customer accounts		62,946,844	61,511,380
Borrowings and other debt obligations	[2]	45,647,858	44,953,784
Advance payments by borrowers for taxes and insurance		207,220	160,728
Deferred tax liabilities, net		1,304,197	1,212,538
Other liabilities	[2]	1,034,980	912,775
TOTAL LIABILITIES		114,828,190	111,787,053
Commitments and Contingencies (Note 16)
STOCKHOLDER'S EQUITY
Common stock and paid-in capital (no par value; 800,000,000 shares authorized; 530,391,043 shares outstanding at both March 31, 2019 and December 31, 2018)		17,899,170	17,859,304
Accumulated other comprehensive loss		(217,033)	(321,652)
Retained earnings		3,894,037	3,783,405
TOTAL SANTANDER HOLDINGS USA, INC. (SHUSA) STOCKHOLDER'S EQUITY		21,576,174	21,321,057
Noncontrolling interest (NCI)		2,552,231	2,526,175
TOTAL STOCKHOLDER'S EQUITY		24,128,405	23,847,232
TOTAL LIABILITIES AND STOCKHOLDER'S EQUITY		138,956,595	135,634,285
Assets not subject to operating leases
Investment securities:
Premises and equipment, net	[5]	754,109	805,940
Operating lease assets
Investment securities:
Premises and equipment, net	[2],[6]	$ 14,490,099	$ 14,078,793
[1]	LHFI includes $114.8 million and $126.3 million of loans recorded at fair value at March 31, 2019 and December 31, 2018, respectively.
[2]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.
[3]	Includes $188.3 million and $209.5 million of loans recorded at the fair value option ("FVO") at March 31, 2019 and December 31, 2018, respectively.
[4]	Includes mortgage servicing rights ("MSRs") of $140.1 million and $149.7 million at March 31, 2019 and December 31, 2018, respectively, for which the Company has elected the FVO. See Note 14 to these Condensed Consolidated Financial Statements for additional information.
[5]	Net of accumulated depreciation of $1.4 billion and $1.4 billion at March 31, 2019 and December 31, 2018, respectively.
[6]	Net of accumulated depreciation of $3.6 billion and $3.5 billion at March 31, 2019 and December 31, 2018, respectively.

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
ASSETS
Held-to-maturity securities, fair value		$ 2,674,628	$ 2,676,049
Trading securities		6,228	10
Loans held for investment, fair value		114,800	126,300
Accumulated depreciation		1,400,000	1,400,000
LHFS	[1]	1,212,578	1,283,278
Operating lease assets, net		702,671	0
Restricted cash	[2]	3,268,581	2,931,711
Other assets	[2],[3]	4,482,633	3,653,336
Other liabilities	[2]	1,034,980	912,775
Operating leases, accumulated depreciation		$ 3,600,000	$ 3,500,000
STOCKHOLDER'S EQUITY
Common stock, no par value (in usd per share)
Common stock, shares authorized (in shares)		800,000,000	800,000,000
Common stock, shares outstanding (in shares)		530,391,043	530,391,043
VIE, Primary Beneficiary
ASSETS
LHFS		$ 24,846,214	$ 24,098,638
Operating lease assets, net		14,388,657	13,978,855
Restricted cash		1,830,617	1,582,158
Other assets		667,368	685,383
Borrowings and other debt obligations		32,810,785	31,949,839
Other liabilities		109,388	122,010
Residential mortgages
ASSETS
Mortgage servicing rights		140,100	149,700
Recurring
ASSETS
Trading securities		6,228	10
Loans held for investment, fair value		114,809	126,312
Loans held for sale		188,282	209,506
Mortgage servicing rights		$ 140,134	$ 149,660
[1]	Includes $188.3 million and $209.5 million of loans recorded at the fair value option ("FVO") at March 31, 2019 and December 31, 2018, respectively.
[2]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.
[3]	Includes mortgage servicing rights ("MSRs") of $140.1 million and $149.7 million at March 31, 2019 and December 31, 2018, respectively, for which the Company has elected the FVO. See Note 14 to these Condensed Consolidated Financial Statements for additional information.

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
INTEREST INCOME:
Loans		$ 1,999,338	$ 1,802,137
Interest-earning deposits		44,018	32,513
Investment securities:
AFS		74,430	73,505
HTM		17,322	17,064
Other investments		5,935	5,248
TOTAL INTEREST INCOME		2,141,043	1,930,467
INTEREST EXPENSE:
Deposits and other customer accounts		130,288	75,424
Borrowings and other debt obligations		407,870	304,690
TOTAL INTEREST EXPENSE		538,158	380,114
NET INTEREST INCOME		1,602,885	1,550,353
Provision for credit losses		600,211	553,880
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		1,002,674	996,473
NON-INTEREST INCOME:
Consumer and commercial fees		133,018	138,561
Lease income		674,885	540,896
Miscellaneous income, net	[1],[2]	89,543	122,406
TOTAL FEES AND OTHER INCOME		897,446	801,863
Net (loss) on sale of investment securities		(2,000)	(663)
Net (loss) recognized in earnings		(2,000)	(663)
TOTAL NON-INTEREST INCOME		895,446	801,200
GENERAL, ADMINISTRATIVE AND OTHER EXPENSES:
Compensation and benefits		476,563	469,406
Occupancy and equipment expenses		142,394	159,340
Technology, outside service, and marketing expense		151,706	152,282
Loan expense		106,716	96,814
Lease expense		479,304	424,266
Other expenses		185,731	139,253
TOTAL GENERAL, ADMINISTRATIVE AND OTHER EXPENSES		1,542,414	1,441,361
INCOME BEFORE INCOME TAX PROVISION		355,706	356,312
Income tax provision		116,214	96,062
NET INCOME INCLUDING NCI		239,492	260,250
LESS: NET INCOME ATTRIBUTABLE TO NCI		72,512	75,138
NET INCOME ATTRIBUTABLE TO SHUSA		$ 166,980	$ 185,112
[1]	Includes equity investment (income)/expense, net.
[2]	Includes impact of $67.7 million, and $70.5 million, for the three-month periods ended March 31, 2019 and 2018 of lower of cost or market adjustments on a portion of the Company's LHFS portfolio.

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Parenthetical) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Statement [Abstract]
Lower of cost or market adjustment on a portion of unsecured loan portfolio held for sale	$ 67.7	$ 70.5

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME/(LOSS) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
NET INCOME INCLUDING NCI		$ 239,492	$ 260,250
OTHER COMPREHENSIVE INCOME (OCI), NET OF TAX
Net unrealized gains/(losses) on cash flow hedge derivative financial instruments, net of tax	[1],[2]	7,003	(7,736)
Net unrealized gains/(losses) on AFS and HTM investment securities, net of tax	[1]	91,505	(125,645)
Pension and post-retirement actuarial gains, net of tax	[1]	6,111	625
TOTAL OTHER COMPREHENSIVE GAIN / (LOSS), NET OF TAX		104,619	(132,756)
COMPREHENSIVE INCOME		344,111	127,494
NET INCOME ATTRIBUTABLE TO NCI		72,512	75,138
COMPREHENSIVE INCOME ATTRIBUTABLE TO SHUSA		$ 271,599	$ 52,356
[1]	Excludes $39.1 million impact of OCI reclassified to Retained earnings as a result of the adoption of Accounting Standards Update ("ASU 2018-02") for the three-month period ended March 31, 2018
[2]	Excludes $6.3 million, and $4.1 million of OCI attributable to NCI for the three-month periods ended March 31, 2019 and 2018, respectively.

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME/(LOSS) (Parenthetical) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Comprehensive Income [Abstract]
OCI attributable to noncontrolling interest	$ 6.3	$ 4.1
ASU 2018-02
Reclassification of OCI to retained earnings		$ 39.1

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDER’S EQUITY - USD ($) $ in Thousands	Total	Common Shares Outstanding	Preferred Stock	Common Stock and Paid-in Capital	Accumulated Other Comprehensive (Loss)/Income	Retained Earnings	Noncontrolling Interest
Beginning balance (in shares) at Dec. 31, 2017		530,391,000
Equity, Beginning balance at Dec. 31, 2017	$ 23,690,832		$ 195,445	$ 17,723,010	$ (198,431)	$ 3,453,957	$ 2,516,851
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income attributable to SHUSA	52,356				(132,756)	185,112
OCI attributable to NCI	4,079						4,079
Net income attributable to NCI	75,138						75,138
Impact of SC stock option activity	4,961						4,961
Contribution from shareholder and related tax impact (Note 17)	9,174			9,174
Dividends declared and paid on common stock	(5,000)					(5,000)
Dividends declared and paid to NCI	(5,748)						(5,748)
Dividends declared and paid on preferred stock	(3,650)					(3,650)
Ending balance (in shares) at Mar. 31, 2018		530,391,000
Equity, Ending balance at Mar. 31, 2018	$ 23,830,597		195,445	17,732,184	(370,281)	3,677,968	2,595,281
Beginning balance (in shares) at Dec. 31, 2018	530,391,043	530,391,000
Equity, Beginning balance at Dec. 31, 2018	$ 23,847,232		0	17,859,304	(321,652)	3,783,405	2,526,175
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Comprehensive income attributable to SHUSA	271,599				104,619	166,980
OCI attributable to NCI	(6,343)						(6,343)
Net income attributable to NCI	72,512						72,512
Impact of SC stock option activity	4,351						4,351
Contribution from shareholder and related tax impact (Note 17)	34,331			34,331
Dividends declared and paid on common stock	(75,000)					(75,000)
Dividends declared and paid to NCI	(21,149)						(21,149)
Stock repurchase attributable to NCI	$ (17,780)			5,535			(23,315)
Ending balance (in shares) at Mar. 31, 2019	530,391,043	530,391,000
Equity, Ending balance at Mar. 31, 2019	$ 24,128,405		$ 0	$ 17,899,170	$ (217,033)	$ 3,894,037	$ 2,552,231

CONDENSED CONSOLIDATED STATEM_6

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Mar. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income including NCI		$ 239,492	$ 260,250
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses		600,211	553,880
Deferred tax expense		72,942	85,308
Depreciation, amortization and accretion		530,112	437,506
Net loss on sale of loans		68,697	66,370
Net loss on sale of investment securities		2,000	663
Loss on debt extinguishment		18	2,212
Net loss on real estate owned and premises and equipment		1,768	1,476
Stock-based compensation		153	274
Equity loss on equity method investments		1,865	2,164
Originations of LHFS, net of repayments		(241,706)	(1,225,975)
Purchases of LHFS		(228)	(550)
Proceeds from sales of LHFS		296,558	1,789,969
Purchases of trading securities		(6,598)	(3,776)
Proceeds from sales of trading securities		465	1,640
Net change in:
Revolving personal loans		6,523	5,723
Other assets and BOLI		(217,064)	(311,282)
Other liabilities		166,513	346,354
NET CASH PROVIDED BY OPERATING ACTIVITIES		1,521,721	2,012,206
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of AFS investment securities		282,872	39,446
Proceeds from prepayments and maturities of AFS investment securities		794,505	605,286
Purchases of AFS investment securities		(787,404)	(840,948)
Proceeds from prepayments and maturities of HTM investment securities		62,604	86,097
Purchases of HTM investment securities		(25,938)	0
Proceeds from sales of other investments		56,978	25,946
Purchases of other investments		(106,726)	(109,576)
Proceeds from sales of LHFI		17,842	681,754
Distributions from equity method investments		1,152	1,111
Contributions to equity method and other investments		(46,116)	(23,832)
Proceeds from settlements of BOLI policies		3,536	6,043
Purchases of LHFI		(181,247)	(225,226)
Net change in loans other than purchases and sales		(2,665,033)	(470,312)
Purchases and originations of operating leases		(1,981,228)	(2,155,881)
Proceeds from the sale and termination of operating leases		875,002	1,164,362
Manufacturer incentives		235,312	213,784
Proceeds from sales of real estate owned and premises and equipment		12,612	12,017
Purchases of premises and equipment		(46,173)	(38,412)
NET CASH USED IN INVESTING ACTIVITIES		(3,497,450)	(1,028,341)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net change in deposits and other customer accounts		1,435,464	1,010,072
Net change in short-term borrowings		174,423	54,155
Net proceeds from long-term borrowings		9,747,474	11,482,934
Repayments of long-term borrowings		(9,088,857)	(11,751,288)
Proceeds from Federal Home Loan Bank (FHLB) advances (with terms greater than 3 months)		1,400,000	0
Repayments of FHLB advances (with terms greater than 3 months)		(1,550,000)	(450,000)
Net change in advance payments by borrowers for taxes and insurance		46,492	49,767
Cash dividends paid to preferred stockholders		0	(3,650)
Dividends paid on common stock		(75,000)	(5,000)
Dividends paid to NCI		(21,149)	(5,748)
Stock repurchase attributable to NCI		(17,780)	0
Proceeds from the issuance of common stock		791	1,947
Capital contribution from shareholder		34,331	5,741
NET CASH PROVIDED BY FINANCING ACTIVITIES		2,086,189	388,930
NET INCREASE IN CASH, CASH EQUIVALENTS AND RESTRICTED CASH		110,460	1,372,795
CASH, CASH EQUIVALENTS AND RESTRICTED CASH, BEGINNING OF PERIOD		10,722,304	10,338,774
CASH, CASH EQUIVALENTS AND RESTRICTED CASH, END OF PERIOD	[1]	10,832,764	11,711,569
NON-CASH TRANSACTIONS
Loans transferred to/(from) other real estate owned		(44,706)	(25,435)
Loans transferred from/(to) held-for-investment (HFI) (from)/to held-for-sale, net (HFS)		44,312	700,160
AFS investment securities transferred to HTM investment securities		0	1,167,189
Right-of-use assets		664,057	0
Accrued expenses and payables		$ 705,650	$ 0
[1]	The three-month periods ended March 31, 2019 and 2018 include cash and cash equivalents balances and restricted cash balances of $7.6 billion and $3.3 billion; and $7.9 billion and $3.8 billion, respectively.

CONDENSED CONSOLIDATED STATEM_7

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019		Dec. 31, 2018		Mar. 31, 2018
Statement of Cash Flows [Abstract]
Cash and cash equivalents	$ 7,564,183		$ 7,790,593		$ 7,900,000
Restricted cash	$ 3,268,581	[1]	$ 2,931,711	[1]	$ 3,800,000
[1]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

BASIS OF PRESENTATION AND ACCOU

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2019
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 the parent company (the "Parent Company") of Santander Bank, National Association (the "Bank" or "SBNA"), a national banking association; Santander Consumer USA Holdings Inc. (together with its subsidiaries, "SC"), a consumer finance company; Santander BanCorp (together with its subsidiaries, "Santander BanCorp"), a financial holding company headquartered in Puerto Rico that offers a full range of financial services through its wholly-owned banking subsidiary, Banco Santander Puerto Rico ("BSPR"); Santander Securities LLC ("SSLLC"), a broker-dealer headquartered in Boston, Massachusetts; Banco Santander International ("BSI"), an Edge corporation located in Miami, Florida that offers a full range of banking services to foreign individuals and corporations based primarily in Latin America; and Santander Investment Securities Inc. ("SIS"), a registered broker-dealer located in New York providing services in investment banking, institutional sales, and trading and offering research reports of Latin American and European equity and fixed income securities; as well as several other subsidiaries. SSLLC, SIS, and another SHUSA subsidiary, Santander Asset Management, LLC (“SAM”), are registered investment advisers with the Securities and Exchange Commission (the “SEC”). SHUSA is headquartered in Boston and the Bank's home office is in Wilmington, Delaware. SHUSA is a wholly-owned subsidiary of Banco Santander, S.A. ("Santander"). The Parent Company's two largest subsidiaries by asset size and revenue are the Bank and SC. The Bank’s primary business consists of attracting deposits and providing other retail banking services through its network of retail branches, and originating small business loans, middle market, large and global commercial loans, multifamily loans, residential mortgage loans, home equity lines of credit, and auto and other consumer loans throughout the Mid-Atlantic and Northeastern areas of the United States, focused throughout Pennsylvania, New Jersey, New York, New Hampshire, Massachusetts, Connecticut, Rhode Island, and Delaware. The Bank uses its deposits, as well as other financing sources, to fund its loan and investment portfolios. SC is a specialized consumer finance company focused on vehicle finance and third-party servicing. SC's primary business is the indirect origination and securitization of retail installment contracts ("RICs") principally through manufacturer-franchised dealers in connection with their sale of new and used vehicles to retail consumers. In conjunction with a ten -year private label financing agreement with Fiat Chrysler Automobiles US LLC ("FCA") that became effective May 1, 2013 (the "Chrysler Agreement"), SC offers a full spectrum of auto financing products and services to FCA customers and dealers under the Chrysler Capital brand. These products and services include consumer RICs and leases, as well as dealer loans for inventory, construction, real estate, working capital and revolving lines of credit. RICs and vehicle leases entered into with FCA customers as part of the Chrysler Agreement represent a significant concentration of those portfolios, and there is a risk that the Chrysler Agreement could be terminated prior to its expiration date. Termination of the Chrysler Agreement could result in a decrease in the amount of new RICs and vehicle leases entered into with FCA customers as well as dealer loans. Refer to Note 16 for additional details. In June 2018, SC announced that it was in exploratory discussions with FCA regarding the future of FCA's U.S. finance operations. FCA has announced its intention to establish a captive U.S. auto finance unit and indicated that acquiring Chrysler Capital is one option it will consider. Under the Chrysler Agreement, FCA has the option to acquire, for fair market value, an equity participation in the business offering and providing financial services contemplated by the Chrysler Agreement. The likelihood, timing and structure of any such transaction, and the likelihood that the Chrysler Agreement will terminate, cannot be reasonably determined. In July 2018, FCA and the Company entered into a tolling agreement pursuant to which the parties agreed to preserve their respective rights, claims and defenses under the Chrysler Agreement as they existed on April 30, 2018 and to refrain from delivering a written notice to the other party under the Chrysler Agreement until December 31, 2018. SC also originates vehicle loans through a web-based direct lending program, purchases vehicle RICs from other lenders, and services automobile and recreational and marine vehicle portfolios for other lenders. Additionally, SC has other relationships through which it provides personal loans, private-label revolving lines of credit and other consumer finance products. As of March 31, 2019 , SC was owned approximately 69.8% by SHUSA and 30.2% by other shareholders. SC Common Stock is listed on the New York Stock Exchange (the "NYSE") under the trading symbol "SC." NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued) Intermediate Holding Company ("IHC") The enhanced prudential standards ("EPS") mandated by Section 165 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "DFA")(the “Final Rule") were enacted by the Federal Reserve System (the "Federal Reserve") to strengthen regulatory oversight of foreign banking organizations ("FBOs"). Under the Final Rule, FBOs with over $50 billion of U.S. non-branch assets, including Santander, are required to consolidate U.S. subsidiary activities under an IHC. Due to its U.S. non-branch total consolidated asset size, Santander is subject to the Final Rule. As a result of this rule, Santander transferred substantially all of its equity interests in U.S. bank and non-bank subsidiaries previously outside the Company to the Company, which became an IHC effective July 1, 2016. These subsidiaries included Santander BanCorp, BSI, SIS and SSLLC, as well as several other subsidiaries. On July 1, 2017, an additional Santander subsidiary, SFS, a finance company located in Puerto Rico, was transferred to the Company. Additionally, effective July 2, 2018, Santander transferred SAM to the IHC. The contribution of SAM to the Company transferred approximately $5.4 million of assets, $1.0 million of liabilities, and $4.4 million of equity to the Company. Although SAM is an entity under common control, its results of operations, financial condition, and cash flows are immaterial to the historical financial results of the Company. As a result, the Company elected to report the results of SAM on a prospective basis beginning July 2, 2018. As a result of the contribution of SAM, SHUSA's net income is understated by $0.4 million for the three-month period ended March 31, 2018. These amounts are immaterial to the overall presentation of the Company's financial statements for each of the periods presented. Basis of Presentation These Condensed Consolidated Financial Statements include accounts of the Company and its consolidated subsidiaries, and certain special purpose financing trusts that are considered VIEs. The Company generally consolidates VIEs for which it is deemed to be the primary beneficiary and voting interest entities ("VOEs") in which the Company has a controlling financial interest. All significant intercompany balances and transactions have been eliminated in consolidation. These Condensed Consolidated Financial Statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") and pursuant to SEC regulations. Additionally, where applicable, the Company's accounting policies conform to the accounting and reporting guidelines prescribed by bank regulatory authorities. In the opinion of management, the accompanying Condensed Consolidated Financial Statements reflect all adjustments of a normal and recurring nature necessary for a fair statement of the Condensed Consolidated Balance Sheets , Statements of Operations , Statements of Comprehensive Income , Statements of Stockholder's Equity and Statements of Cash Flows ("SCF") for the periods indicated, and contain adequate disclosure to make the information presented not misleading. These Condensed Consolidated Financial Statements should be read in conjunction with the Company's Annual Report on Form 10-K for the year ended December 31, 2018 . Corrections to Previously Reported Amounts We have made certain corrections to previously disclosed amounts to correct for immaterial errors related to our RIC portfolio. Certain accounting for RICs and auto loans As discussed in Note 1 - "Basis of Presentation and Accounting Policies" in the 2018 Annual Report on Form 10-K, the Company identified and corrected two immaterial errors. The Company has revised its comparative Condensed Consolidated Financial Statements as of March 31, 2018 included within this Quarterly Report on Form 10-Q. NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued) The following tables summarize the impacts of the corrections on the Company's Condensed Consolidated Statement of Operations for the periods indicated: For the three-month period ended March 31, 2018 As Reported Corrections As Revised INTEREST INCOME Loans $ 1,747,734 $ 54,403 $ 1,802,137 TOTAL INTEREST INCOME 1,876,064 54,403 1,930,467 NET INTEREST INCOME 1,495,950 54,403 1,550,353 Provision for credit losses 502,534 51,346 553,880 NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 993,416 3,057 996,473 Income tax provision / (benefit) 95,321 741 96,062 NET INCOME including NCI 257,935 2,315 260,250 Less: Net income attributable to NCI 74,397 741 75,138 NET INCOME ATTRIBUTABLE TO SHUSA $ 183,538 $ 1,574 $ 185,112 The following table summarizes the impacts of the corrections on the Company's Condensed Consolidated SCF for the period indicated: For the three-month period ended March 31, 2018 As Reported Corrections As Revised Net cash provided by operating activities $ 1,963,089 $ 49,117 $ 2,012,206 Net cash provided by (used in) investing activities $ (979,224 ) $ (49,117 ) $ (1,028,341 ) In addition to the revision of the Company's Consolidated Financial Statements, information within the Notes to the Consolidated Financial Statements has been revised to reflect the correction of the errors discussed above. The following tables summarize the impacts of the correction of those items: March 31, 2018 As Reported Corrections As Revised Non-performing - RICs and auto loans - originated $ 1,644,605 $ (770,541 ) $ 874,064 Total non-performing loans 2,681,624 (770,541 ) 1,911,083 Total non-performing assets 2,981,021 (770,541 ) 2,210,480 March 31, 2018 As Reported Corrections As Revised 30-89 DPD (1) 90+ DPD Current 30-89 DPD 90+ DPD Current 30-89 DPD 90+ DPD Current RICs and auto loans - originated $ 2,634,364 $ 228,811 $ 21,340,720 $ 142,931 $ 19,596 $ (67,072 ) $ 2,777,295 $ 248,407 $ 21,273,648 Total loans $ 3,509,299 $ 798,166 $ 77,771,558 $ 142,931 $ 19,596 $ (67,072 ) $ 3,652,230 $ 817,762 $ 77,704,486 (1) Days past due ("DPD"). Significant Accounting Policies The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and the disclosures of contingent assets and liabilities, as of the date of the financial statements, and the amount of revenue and expenses during the reporting periods. Actual results could differ from those estimates, and those differences may be material. NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued) Management has identified (i) the allowance for loan losses and the reserve for unfunded lending commitments, (ii) estimates of expected residual values of leases vehicles subject to operating leases, (iii) accretion of discounts and subvention on RICs, (iv) goodwill, (v) fair value of financial instruments, and (vi) income taxes as the Company's significant accounting policies and estimates, in that they are important to the portrayal of the Company's financial condition, results of operations and cash flows and the accounting estimates related thereto 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. As of March 31, 2019, with the exception of the items noted in the section captioned "Recently Adopted Accounting Standards" below, there have been no significant changes to the Company's accounting policies as disclosed in its Annual Report on Form 10-K for the year ended December 31, 2018. Recently Adopted Accounting Standards Since January 1, 2019, the Company adopted the following Financial Accounting Standards Board ("FASB") Accounting Standards Updates (“ASUs"): • ASU 2016-02, Leases (Topic 842) . The Company adopted this standard as of January 1, 2019, resulting in the recognition of a right of-use (“ROU”) asset ( $664.1 million ) and lease liability ( $705.7 million ) in the Consolidated Balance Sheet for all operating leases with a term greater than 12 months. The Company adopted the ASU using the modified retrospective approach, with application at the adoption date and a cumulative-effect adjustment to the opening balance of retained earnings. Under this approach, comparative periods were not adjusted. We elected the package of practical expedients permitted under transition guidance which allowed us to carry forward the historical lease classification. We also elected not to recognize a lease liability and associated ROU asset for short-term leases. We did not elect (1) the hindsight practical expedient when determining the lease term and (2) the practical expedient to not separate non-lease components from lease components. The ASU required the Company to accelerate the recognition of $18.7 million of previously deferred gains on sale-leaseback transactions, with such impact recorded to the opening balance of Retained earnings. The ROU asset and lease liability will subsequently be derecognized in a manner that effectively yields a straight-line lease expense over the lease term. Lessee accounting requirements for finance leases (previously described as capital leases) and lessor accounting requirements for operating, sales-type, and direct financing leases (sales-type and direct financing leases were both previously referred to as capital leases) are largely unchanged. This standard did not materially affect our Consolidated Statements of Operations or Statement of Cash Flows. • In August 2018, the FASB issued ASU 2018-15, Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract. This ASU aligns the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. The capitalized costs will be presented with Other Liabilities on the balance sheet, and the amortization expense will be presented in the Technology, outside service, and marketing expense line of the Statement of Operations. The Company has early adopted this standard effective January 1, 2019 and it did not have a material impact on the Company's Condensed Consolidated Financial Statements and related disclosures. The adoption of the following ASUs did not have an impact on the Company's financial position or results of operations: • ASU 2017-08, Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. • ASU 2017-11, Earnings Per Share (Topic 260); Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features, (Part II) Replacement of the Indefinite Deferral for Mandatorily Redeemable Financial Instruments of Certain Nonpublic Entities and Certain Mandatorily Redeemable Noncontrolling Interests with a Scope Exception. • ASU 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. • ASU 2018-16, Derivatives and Hedging (Topic 815), Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. NOTE 1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES (continued) Subsequent Events On April 22, 2019, SBNA entered into an agreement with First Commonwealth Bank for the sale of 14 bank branches and four ATMs located in central Pennsylvania, together with approximately $525 million of deposits and $120 million of retail and business loans (outstanding balances as of March 31, 2019 ). This transaction aligns with SHUSA’s strategy to reallocate capital to investments in core markets that will drive growth. The transaction is expected to close in the third quarter of 2019 with the recognition of an immaterial gain on sale. Puerto Rico Bankruptcy Litigation On May 2, 2019, the Special Claims Committee of the Financial Oversight and Management Board for Puerto Rico and the Official Committee of Unsecured Creditors of the Commonwealth of Puerto Rico, as Co-Trustees of the Commonwealth of Puerto Rico, filed an adversary complaint against SSLLC, 17 other financial institutions and a law firm, alleging, among other things, that the defendants aided and abetted breaches of fiduciary duty by the Government Development Bank for Puerto Rico in connection with the issuance of various bonds by the Commonwealth and its instrumentalities. The case is pending in the United States District Court for the District of Puerto Rico and is captioned Special Claims Committee of the Financial Oversight and Management Board for Puerto Rico, et al. v. Barclays Capital, et al. , Adv. Pro. No. 19-00280. The Company evaluated events from the date of the Condensed Consolidated Financial Statements on March 31, 2019 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 for the three-month periods ended March 31, 2019 other than the events disclosed above.

RECENT ACCOUNTING DEVELOPMENTS

RECENT ACCOUNTING DEVELOPMENTS	3 Months Ended
	Mar. 31, 2019
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
RECENT ACCOUNTING DEVELOPMENTS	RECENT ACCOUNTING DEVELOPMENTS In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments . This guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The standard will replace today’s “incurred loss” approach with an “expected loss” model for instruments measured at amortized cost. For AFS debt securities, entities will be required to record allowances rather than reduce the carrying amount, as they do today under the OTTI model. The standard also simplifies the accounting model for purchased credit-impaired debt securities and loans. The guidance will be effective for the Company for the first reporting period beginning after December 15, 2019, including interim periods within that year. The Company does not intend to adopt this ASU early and is currently evaluating the impact the new guidance will have on its financial position, results of operations and cash flows; however, it is expected that the new current expected credit loss model will alter the assumptions used in calculating the Company's allowance for credit losses ("ACL"), given the change to estimated losses for the estimated life of the financial asset, and will likely result in material increases to the Company's ACL and related decreases to capital ratios. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement . This ASU removes the requirement to disclose: the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, the policy for timin g of transfers between levels; and the valuation processes for Level 3 fair value measurements. This ASU requires disclosure of changes in unrealized gains and losses for the period included in OCI (loss) for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. This new guidance will be effective for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. Early adoption is permitted. The Company is currently evaluating the effect the new guidance will have on its Consolidated Financial Statements and related disclosures. In addition to those described in detail above, the Company is in the process of evaluating the following ASU, but does not expect it to have a material impact on the Company's financial position, results of operations, or disclosures: • ASU 2018-17, Consolidation (Topic 810): Targeted Improvements to Related Party Guidance for Variable Interest Entities

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	INVESTMENT SECURITIES Summary of Investment in Debt Securities - AFS and HTM The following tables present the amortized cost, gross unrealized gains and losses and approximate fair values of debt securities AFS at the dates indicated: March 31, 2019 December 31, 2018 (in thousands) Amortized Gross Gross Fair Amortized Gross Gross Fair U.S. Treasury securities $ 2,136,711 $ 1,707 $ (7,558 ) $ 2,130,860 $ 1,815,914 $ 560 $ (11,729 ) $ 1,804,745 Corporate debt securities 142,912 50 (23 ) 142,939 160,164 12 (62 ) 160,114 Asset-backed securities (“ABS”) 426,115 2,845 (1,954 ) 427,006 435,464 3,517 (2,144 ) 436,837 State and municipal securities 15 — — 15 16 — — 16 Mortgage-backed securities (“MBS”): GNMA - Residential (1) 2,666,747 597 (48,826 ) 2,618,518 2,829,075 861 (85,675 ) 2,744,261 GNMA - Commercial 755,054 320 (12,523 ) 742,851 954,651 1,250 (19,515 ) 936,386 FHLMC and FNMA - Residential (2) 5,465,051 1,134 (111,224 ) 5,354,961 5,687,221 267 (188,515 ) 5,498,973 FHLMC and FNMA - Commercial 51,595 630 (176 ) 52,049 51,808 384 (537 ) 51,655 Total investments in debt securities AFS $ 11,644,200 $ 7,283 $ (182,284 ) $ 11,469,199 $ 11,934,313 $ 6,851 $ (308,177 ) $ 11,632,987 (1) Government National Mortgage Association ("GNMA") (2) Federal Home Loan Mortgage Corporation ("FHLMC") and Federal National Mortgage Association ("FNMA") The following tables present the amortized cost, gross unrealized gains and losses and approximate fair values of debt securities HTM at the dates indicated: March 31, 2019 December 31, 2018 (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Loss Fair Value Amortized Gross Gross Fair MBS: GNMA - Residential $ 1,663,706 $ 5,021 $ (29,260 ) $ 1,639,467 $ 1,718,687 $ 1,806 $ (54,184 ) $ 1,666,309 GNMA - Commercial 1,047,995 3,029 (15,863 ) 1,035,161 1,031,993 1,426 (23,679 ) 1,009,740 Total investments in debt securities HTM $ 2,711,701 $ 8,050 $ (45,123 ) $ 2,674,628 $ 2,750,680 $ 3,232 $ (77,863 ) $ 2,676,049 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, 2019 and December 31, 2018 , respectively, the Company had investment securities with an estimated carrying value of $6.6 billion and $6.6 billion , pledged as collateral, which were comprised of the following: $2.9 billion and $3.0 billion , respectively, were pledged as collateral for the Company's borrowing capacity with the Federal Reserve Bank (the "FRB"); $2.8 billion and $2.7 billion , respectively, were pledged to secure public fund deposits; $126.3 million and $78.0 million , respectively, were pledged to various independent parties to secure repurchase agreements, support hedging relationships, and for recourse on loan sales; $422.2 million and $423.3 million , respectively, were pledged to deposits with clearing organizations; and $317.1 million and $415.1 million , respectively, were pledged to secure the Company's customer overnight sweep product. At March 31, 2019 and December 31, 2018 , the Company had $38.9 million and $40.2 million , respectively, of accrued interest related to investment securities which is included in the Other assets line of the Company's Condensed Consolidated Balance Sheets . Contractual Maturity of Debt Securities Contractual maturities of the Company’s AFS debt securities at March 31, 2019 were as follows: (in thousands) Amortized Cost Fair Value Due within one year $ 2,281,187 $ 2,276,677 Due after 1 year but within 5 years 355,236 356,479 Due after 5 years but within 10 years 337,554 334,302 Due after 10 years 8,670,223 8,501,741 Total $ 11,644,200 $ 11,469,199 NOTE 3. INVESTMENT SECURITIES (continued) Contractual maturities of the Company’s HTM debt securities at March 31, 2019 were as follows: (in thousands) Amortized Cost Fair Value Due after 10 years $ 2,711,701 $ 2,674,628 Total $ 2,711,701 $ 2,674,628 Actual maturities may differ from contractual maturities when there is a right to call or prepay obligations with or without call or prepayment penalties. Gross Unrealized Loss and Fair Value of Debt Securities AFS and HTM The following tables present the aggregate amount of unrealized losses as of March 31, 2019 and December 31, 2018 on securities in the Company’s AFS investment portfolios classified according to the amount of time those securities have been in a continuous loss position: March 31, 2019 December 31, 2018 Less than 12 months 12 months or longer Less than 12 months 12 months or longer (in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Fair Value Unrealized U.S. Treasury securities $ 79,730 $ (8 ) $ 1,000,876 $ (7,550 ) $ 288,660 $ (315 ) $ 914,212 $ (11,414 ) Corporate debt securities 92,223 (23 ) — — 152,247 (62 ) 13 — ABS — — 100,912 (1,954 ) 31,888 (249 ) 77,766 (1,895 ) MBS: GNMA - Residential 53,732 (369 ) 2,351,854 (48,457 ) 102,418 (2,014 ) 2,521,278 (83,661 ) GNMA - Commercial 25,190 (162 ) 661,536 (12,361 ) 199,495 (2,982 ) 622,989 (16,533 ) FHLMC and FNMA - Residential 5,524 (111 ) 5,205,939 (111,113 ) 237,050 (5,728 ) 5,236,028 (182,787 ) FHLMC and FNMA - Commercial — — 22,014 (176 ) — — 21,819 (537 ) Total investments in debt securities AFS $ 256,399 $ (673 ) $ 9,343,131 $ (181,611 ) $ 1,011,758 $ (11,350 ) $ 9,394,105 $ (296,827 ) The following tables present the aggregate amount of unrealized losses as of March 31, 2019 and December 31, 2018 on debt securities in the Company’s HTM investment portfolios classified according to the amount of time those securities have been in a continuous loss position: March 31, 2019 December 31, 2018 Less than 12 months 12 months or longer Less than 12 months 12 months or longer (in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Fair Value Unrealized GNMA - Residential $ — $ — $ 1,231,013 $ (29,260 ) $ 205,573 $ (4,810 ) $ 1,295,554 $ (49,374 ) GNMA - Commercial 25,885 (27 ) 799,763 (15,836 ) 221,250 (5,572 ) 629,847 (18,107 ) Total investments in debt securities HTM $ 25,885 $ (27 ) $ 2,030,776 $ (45,096 ) $ 426,823 $ (10,382 ) $ 1,925,401 $ (67,481 ) OTTI Management evaluates all investment securities in an unrealized loss position for OTTI on a quarterly basis. 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 Fair Isaac Corporation ("FICO ® ") scores and weighted average loan-to-value ("LTV") ratio, rating or scoring, credit ratings and market spreads, as applicable. 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. NOTE 3. INVESTMENT SECURITIES (continued) The Company did not record any OTTI related to its investment securities for the three-month periods ended March 31, 2019 or 2018 . Management has concluded that the unrealized losses on its debt securities for which it has not recognized OTTI (which were comprised of 821 individual securities at March 31, 2019 ) are temporary in nature since (1) they reflect the increase in interest rates, which lowers the current fair value of the securities, (2) they are not related to the underlying credit quality of the issuers, (3) the entire contractual principal and interest due on these securities is currently expected to be recoverable, (4) the Company does not intend to sell these investments at a loss and (5) 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 for the Company's debt securities may be at maturity. Accordingly, the Company has concluded that the impairment on these securities is not other than temporary. Gains (Losses) and Proceeds on Sales of Investment Securities Proceeds from sales of investments in debt securities and the realized gross gains and losses from those sales were as follows: Three-Month Period Ended March 31, (in thousands) 2019 2018 Proceeds from the sales of AFS securities $ 282,872 $ 39,446 Gross realized gains $ 811 $ 108 Gross realized losses (2,811 ) (771 ) OTTI — — Net realized gains/(losses) (1) $ (2,000 ) $ (663 ) (1) Includes net realized gain/(losses) on trading securities of $(0.3) million , and $(0.6) million for the three-month periods ended March 31, 2019 and 2018 , respectively. The Company uses the specific identification method to determine the cost of the securities sold and the gain or loss recognized. Other Investments Other Investments consisted of the following as of: (in thousands) March 31, 2019 December 31, 2018 FHLB of Pittsburgh and FRB stock $ 634,366 $ 631,239 Low Income Housing Tax Credit investments ("LIHTC") 199,105 163,113 Equity securities not held for trading 53,845 10,995 Trading securities 6,228 10 Total $ 893,544 $ 805,357 Other investments primarily include the Company's investment in the stock of the FHLB of Pittsburgh and the FRB. These 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 FHLB stock can be sold back only to the FHLB or to another member institution. Accordingly, these stocks are carried at cost. During the three-month period ended March 31, 2019 , the Company purchased $60.1 million of FHLB stock at par and redeemed $57.0 million of FHLB stock at par. There was no gain or loss associated with these redemptions. During the three-month period ended March 31, 2019 , the Company did no t purchase FRB stock. Other investments also includes LIHTC investments, trading securities and $53.8 million of equity securities. Equity securities are measured at fair value as of March 31, 2019 , with changes in fair value recognized in net income, and consist primarily of Community Reinvestment Act (“CRA") mutual fund investments. The Company's LIHTC investments are accounted for using the proportional amortization method. With the exception of equity and trading securities which are measured at fair value, the Company evaluates these other investments for impairment based on the ultimate recoverability of the carrying value, rather than by recognizing temporary declines in value. The Company held an immaterial amount of equity securities without readily determinable fair values at the reporting date.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
LOANS AND ALLOWANCE FOR CREDIT LOSSES	=760 904,270 3.0 % 798,258 2.7 % Total $ 30,456,897 100.0 % $ 29,335,220 100.0 % (1) Consists primarily of loans for which credit scores are not considered in the ALLL model. (2) Credit scores updated quarterly. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Consumer Lending Asset Quality Indicators-FICO and LTV Ratio For both residential and home equity loans, loss severity assumptions are incorporated in the loan and lease loss reserve models to estimate loan balances that will ultimately charge off. These assumptions are based on recent loss experience within various current LTV bands within these portfolios. LTVs 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 LTV. The Company's ALLL incorporates the refreshed LTV information to update the distribution of defaulted loans by LTV as well as the associated loss given default for each LTV 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. Residential mortgage and home equity financing receivables by LTV and FICO range are summarized as follows: Residential Mortgages (1)(3) March 31, 2019 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 55,818 $ 2,871 $ — $ — $ — $ — $ — $ 58,689 <600 70 209,547 50,759 39,104 26,952 2,843 4,746 334,021 600-639 — 161,343 47,641 35,657 38,920 800 1,483 285,844 640-679 120 311,642 102,931 81,360 100,966 1,908 2,004 600,931 680-719 — 568,546 256,941 144,411 165,126 3,473 3,319 1,141,816 720-759 50 1,099,396 492,524 218,525 204,800 3,987 6,377 2,025,659 >=760 315 3,704,818 1,204,676 384,410 198,569 4,618 8,155 5,505,561 Grand Total $ 56,373 $ 6,058,163 $ 2,155,472 $ 903,467 $ 735,333 $ 17,629 $ 26,084 $ 9,952,521 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and combined LTV ("CLTV") for financing receivables in second lien position for the Company. Home Equity Loans and Lines of Credit (2) March 31, 2019 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 131,248 $ 1,046 $ 451 $ — $ — $ 132,745 <600 1,066 212,854 62,843 13,389 5,459 295,611 600-639 311 168,783 44,896 5,383 3,412 222,785 640-679 694 304,570 103,486 11,713 5,951 426,414 680-719 710 528,051 195,615 18,069 11,808 754,253 720-759 97 733,174 260,357 17,718 12,157 1,023,503 >=760 1,304 1,842,488 562,711 40,841 26,592 2,473,936 Grand Total $ 135,430 $ 3,790,966 $ 1,230,359 $ 107,113 $ 65,379 $ 5,329,247 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. Residential Mortgages (1)(3) December 31, 2018 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 87,808 $ 4,465 $ — $ — $ 423 $ — $ — $ 92,696 <600 69 225,647 54,101 35,625 26,863 2,450 4,604 349,359 600-639 35 157,281 47,712 34,124 37,901 943 1,544 279,540 640-679 — 308,780 112,811 76,512 101,057 1,934 1,767 602,861 680-719 — 560,920 266,877 148,283 175,889 3,630 3,593 1,159,192 720-759 50 1,061,969 535,840 210,046 218,177 4,263 6,704 2,037,049 >=760 213 3,518,916 1,253,733 354,629 220,695 6,477 9,102 5,363,765 Grand Total $ 88,175 $ 5,837,978 $ 2,271,074 $ 859,219 $ 781,005 $ 19,697 $ 27,314 $ 9,884,462 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Home Equity Loans and Lines of Credit (2) December 31, 2018 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 133,436 $ 841 $ 197 $ — $ 5 $ 134,479 <600 1,130 209,536 64,202 14,948 5,988 295,804 600-639 398 166,384 48,543 7,932 2,780 226,037 640-679 919 305,642 112,937 10,311 6,887 436,696 680-719 869 527,374 215,824 17,231 13,482 774,780 720-759 1,139 732,467 292,516 20,812 14,677 1,061,611 >=760 2,280 1,844,830 614,221 46,993 27,939 2,536,263 Grand Total $ 140,171 $ 3,787,074 $ 1,348,440 $ 118,227 $ 71,758 $ 5,465,670 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. TDR Loans The following table summarizes the Company’s performing and non-performing TDRs at the dates indicated: (in thousands) March 31, 2019 December 31, 2018 Performing $ 4,774,676 $ 5,014,224 Non-performing 720,190 908,128 Total (1) $ 5,494,866 $ 5,922,352 (1) Excludes LHFS. Commercial Loan TDRs All of the Company’s commercial loan modifications are based on the circumstances of the individual customer, including specific customers' complete relationships with the Company. Loan terms are modified to meet each borrower’s specific circumstances at a point in time and may allow for modifications such as term extensions and interest rate reductions. 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. Commercial 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). TDRs are 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 DTI ratio range. The main modification benefits of the program allow for term extensions, interest rate reductions, and/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, including RICs and auto loans, the terms of the modifications generally include one or a combination of: a reduction of the stated interest rate of the loan to a rate of interest lower than the current market rate for new debt with similar risk or an extension of the maturity date. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Consumer TDRs excluding RICs 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 accru" id="sjs-B4" xml:space="preserve"> LOANS AND ALLOWANCE FOR CREDIT LOSSES Overall The Company's loans are reported at their outstanding principal balances net of any cumulative charge-offs, unamortized deferred fees and costs and unamortized premiums or discounts. The Company maintains an ACL 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 $50.4 billion at March 31, 2019 and $49.5 billion at December 31, 2018 . Loans that the Company intends to sell are classified as LHFS. The LHFS portfolio balance at March 31, 2019 was $1.2 billion , compared to $1.3 billion at December 31, 2018 . LHFS in the residential mortgage portfolio are reported at either estimated fair value (if the FVO is elected) or the lower of cost or fair value. For a discussion on the valuation of LHFS at fair value, see Note 14 to the Condensed Consolidated Financial Statements . Loans under SC’s personal lending platform have been classified as HFS and adjustments to lower of cost or market are recorded through Miscellaneous income, net on the Condensed Consolidated Statements of Operations . As of March 31, 2019 , the carrying value of the personal unsecured HFS portfolio was $1.0 billion . 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 interest method. Loan origination costs and fees and premiums and discounts on RICs are deferred and recognized in interest income over their estimated lives using estimated prepayment speeds, which are updated on a monthly basis. At March 31, 2019 and December 31, 2018 , accrued interest receivable on the Company's loans was $497.5 million and $524.0 million , respectively. Loan and Lease Portfolio Composition The following presents the composition of the gross loans and leases HFI by portfolio and by rate type: March 31, 2019 December 31, 2018 (dollars in thousands) Amount Percent Amount Percent Commercial LHFI: Commercial real estate ("CRE") loans $ 8,709,750 9.8 % $ 8,704,481 10.0 % Commercial and industrial ("C&I") loans 16,504,188 18.5 % 15,738,158 18.1 % Multifamily loans 8,492,025 9.5 % 8,309,115 9.5 % Other commercial (2) 7,887,508 8.8 % 7,630,004 8.8 % Total commercial LHFI 41,593,471 46.6 % 40,381,758 46.4 % Consumer loans secured by real estate: Residential mortgages 9,952,521 11.2 % 9,884,462 11.4 % Home equity loans and lines of credit 5,329,247 6.0 % 5,465,670 6.3 % Total consumer loans secured by real estate 15,281,768 17.2 % 15,350,132 17.7 % Consumer loans not secured by real estate: RICs and auto loans - originated (4) 29,843,248 33.5 % 28,532,085 32.8 % RICs and auto loans - purchased 613,649 0.7 % 803,135 0.9 % Personal unsecured loans 1,468,889 1.6 % 1,531,708 1.8 % Other consumer (3) 403,235 0.4 % 447,050 0.4 % Total consumer loans 47,610,789 53.4 % 46,664,110 53.6 % Total LHFI (1) $ 89,204,260 100.0 % $ 87,045,868 100.0 % Total LHFI: Fixed rate $ 58,101,354 65.1 % $ 56,696,491 65.1 % Variable rate 31,102,906 34.9 % 30,349,377 34.9 % Total LHFI (1) $ 89,204,260 100.0 % $ 87,045,868 100.0 % (1) Total LHFI 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 increase in the loan balances of $1.7 billion and $1.4 billion as of March 31, 2019 and December 31, 2018 , respectively. (2) Other commercial includes commercial equipment vehicle financing ("CEVF") leveraged leases and loans. (3) Other consumer primarily includes recreational vehicle ("RV") and marine loans. (4) Beginning in 2018, the Bank has an agreement with SC by which SC provides the Bank with origination support services in connection with the processing, underwriting and purchase of RICs, primarily from Chrysler dealers. 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 ACL. The Company utilizes similar categorization compared to the financial statement categorization of loans to model and calculate the ACL 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. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) The commercial segmentation reflects line of business distinctions. The CRE line of business includes C&I owner-occupied real estate and specialized lending for investment real estate. The Company's allowance methodology further classifies loans in this line of business into construction and non-construction loans; however, the methodology for development and determination of the allowance is generally consistent between the two portfolios. "C&I" includes non-real estate-related C&I loans. "Multifamily" represents loans for multifamily residential housing units. “Other commercial” includes loans to global customer relationships in Latin America which are not defined as commercial or consumer for regulatory purposes. The remainder of the portfolio primarily represents the CEVF portfolio. The Company's portfolio classes are substantially the same as its financial statement categorization of loans for 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" include all organic home equity contracts and purchased home equity portfolios. "RICs and auto loans" includes the Company's direct automobile loan portfolios, but excludes RV and marine RICs. "Personal unsecured loans" includes personal revolving loans and credit cards. “Other consumer” includes an acquired portfolio of marine RICs and RV contracts as well as indirect auto loans. In accordance with the Company's accounting policy when establishing the collective ACL for originated loans, the Company's estimate of losses on recorded investment includes the estimate of the related net unaccreted discount balance that is expected at the time of charge-off, while it considers the entire unaccreted discount for loan portfolios purchased at a discount as available to absorb the credit losses when determining the ACL specific to these portfolios. This accounting policy is not applicable to the purchased loan portfolios acquired with evidence of credit deterioration, on which we elected to apply the FVO. The RIC and auto loan portfolio is comprised of: (1) RICs originated by SC prior to the first quarter 2014 consolidation and change in control of SC (the “Change in Control"), (2) RICs originated by SC after the Change in Control, and (3) auto loans originated by SBNA. The composition of the portfolio segment is as follows: (in thousands) March 31, 2019 December 31, 2018 RICs - Purchased HFI: Unpaid principal balance ("UPB") (1) $ 645,381 $ 844,582 UPB - FVO (2) 7,492 9,678 Total UPB 652,873 854,260 Purchase marks (3) (39,224 ) (51,125 ) Total RICs - Purchased HFI 613,649 803,135 RICs - Originated HFI: UPB (1) 27,621,076 27,049,875 Net discount (105,819 ) (135,489 ) Total RICs - Originated 27,515,257 26,914,386 SBNA auto loans 2,327,991 1,617,699 Total RICs - originated post-Change in Control 29,843,248 28,532,085 Total RICs and auto loans HFI $ 30,456,897 $ 29,335,220 (1) UPB does not include amounts related to the loan receivables - unsecured and loan receivables from dealers due to the short-term and revolving nature of these receivables. (2) The Company elected to account for these loans, which were acquired with evidence of credit deterioration, under the FVO. (3) Includes purchase marks of $1.7 million and $2.1 million related to purchase loan portfolios on which we elected to apply the FVO at March 31, 2019 and December 31, 2018 , respectively. During the three-month periods March 31, 2019 and 2018 , SC originated $2.4 billion and $2.0 billion , respectively, in Chrysler Capital loans (which excludes the SBNA originations program), which represented 61% and 46% , respectively, of the UPB of the Company's total RIC originations. As of March 31, 2019 and December 31, 2018 , the Company's carrying value of its auto RIC portfolio consisted of $9.2 billion and $9.0 billion , respectively, of Chrysler Capital loans (excluding the SBNA originations program), which represented 36% and 36% , respectively, of the Company's auto RIC portfolio. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) ACL Rollforward by Portfolio Segment The activity in the ACL by portfolio segment for the three-month periods ended March 31, 2019 , and 2018 was as follows: Three-Month Period Ended March 31, 2019 (in thousands) Commercial Consumer Unallocated Total ALLL, beginning of period $ 441,086 $ 3,409,021 $ 47,023 $ 3,897,130 Provision for loan and lease losses 21,974 581,052 — 603,026 Charge-offs (23,601 ) (1,424,618 ) (275 ) (1,448,494 ) Recoveries 8,532 782,901 — 791,433 Charge-offs, net of recoveries (15,069 ) (641,717 ) (275 ) (657,061 ) ALLL, end of period $ 447,991 $ 3,348,356 $ 46,748 $ 3,843,095 Reserve for unfunded lending commitments, beginning of period $ 89,472 $ 6,028 $ — $ 95,500 (Release of) / Provision for reserve for unfunded lending commitments (2,909 ) 94 — (2,815 ) Reserve for unfunded lending commitments, end of period 86,563 6,122 — 92,685 Total ACL, end of period $ 534,554 $ 3,354,478 $ 46,748 $ 3,935,780 Ending balance, individually evaluated for impairment (1) $ 95,309 $ 1,319,385 $ — $ 1,414,694 Ending balance, collectively evaluated for impairment 352,682 2,028,971 46,748 2,428,401 Financing receivables: Ending balance $ 41,637,571 $ 48,779,267 $ — $ 90,416,838 Ending balance, evaluated under the FVO or lower of cost or fair value 44,099 1,267,594 — 1,311,693 Ending balance, individually evaluated for impairment (1) 447,725 5,346,965 — 5,794,690 Ending balance, collectively evaluated for impairment 41,145,747 42,164,708 — 83,310,455 (1) Consists of loans in troubled debt restructuring ("TDR") status. Three-Month Period Ended March 31, 2018 (in thousands) Commercial Consumer Unallocated Total ALLL, beginning of period $ 443,796 $ 3,504,068 $ 47,023 $ 3,994,887 Provision for loan and lease losses 41,232 531,894 — 573,126 Charge-offs (32,960 ) (1,222,427 ) — (1,255,387 ) Recoveries 10,006 661,744 — 671,750 Charge-offs, net of recoveries (22,954 ) (560,683 ) — (583,637 ) ALLL, end of period $ 462,074 $ 3,475,279 $ 47,023 $ 3,984,376 Reserve for unfunded lending commitments, beginning of period $ 108,805 $ 306 $ — $ 109,111 Release of unfunded lending commitments (19,263 ) 17 — (19,246 ) Reserve for unfunded lending commitments, end of period 89,542 323 — 89,865 Total ACL, end of period $ 551,616 $ 3,475,602 $ 47,023 $ 4,074,241 Ending balance, individually evaluated for impairment (1) $ 94,993 $ 1,749,597 $ — $ 1,844,590 Ending balance, collectively evaluated for impairment 367,081 1,725,682 47,023 2,139,786 Financing receivables: Ending balance $ 38,400,180 $ 43,774,298 $ — $ 82,174,478 Ending balance, evaluated under the FVO or lower of cost or fair value 195,721 1,798,347 — 1,994,068 Ending balance, individually evaluated for impairment (1) 568,557 6,432,443 — 7,001,000 Ending balance, collectively evaluated for impairment 37,635,902 35,543,508 — 73,179,410 (1) Consists of loans in TDR status. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) The following table presents the activity in the allowance for loan losses for RICs acquired in the Change in Control and those originated by SC subsequent to the Change in Control. Three-Month Period Ended March 31, 2019 (in thousands) Purchased Originated Total ALLL, beginning of period $ 193,742 $ 2,992,576 $ 3,186,318 (Release of) / Provision for loan and lease losses (24,084 ) 569,931 545,847 Charge-offs (51,312 ) (1,331,904 ) (1,383,216 ) Recoveries 33,533 739,847 773,380 Charge-offs, net of recoveries (17,779 ) (592,057 ) (609,836 ) ALLL, end of period $ 151,879 $ 2,970,450 $ 3,122,329 Three-Month Period Ended March 31, 2018 (in thousands) Purchased Originated Total ALLL, beginning of period $ 384,167 $ 2,862,356 $ 3,246,523 (Release of) / Provision for loan and lease losses (15,830 ) 538,505 522,675 Charge-offs (105,510 ) (1,082,006 ) (1,187,516 ) Recoveries 59,899 594,952 654,851 Charge-offs, net of recoveries (45,611 ) (487,054 ) (532,665 ) ALLL, end of period $ 322,726 $ 2,913,807 $ 3,236,533 Non-accrual loans by Class of Financing Receivable The recorded investment in non-accrual loans disaggregated by class of financing receivables and other non-performing assets is summarized as follows: (in thousands) March 31, 2019 December 31, 2018 Non-accrual loans: Commercial: CRE $ 82,504 $ 88,500 C&I 214,093 189,827 Multifamily 8,994 13,530 Other commercial 87,390 72,841 Total commercial loans 392,981 364,698 Consumer: Residential mortgages 207,344 216,815 Home equity loans and lines of credit 112,445 115,813 RICs and auto loans - originated 1,184,193 1,455,406 RICs - purchased 66,935 89,916 Personal unsecured loans 3,538 3,602 Other consumer 8,769 9,187 Total consumer loans 1,583,224 1,890,739 Total non-accrual loans 1,976,205 2,255,437 Other real estate owned ("OREO") 106,097 107,868 Repossessed vehicles 196,886 224,046 Foreclosed and other repossessed assets 2,507 1,844 Total OREO and other repossessed assets 305,490 333,758 Total non-performing assets $ 2,281,695 $ 2,589,195 NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Age Analysis of Past Due Loans The Company generally considers an account delinquent when an obligor fails to pay substantially all (defined as 90% ) of the scheduled payment by the due date. The age of recorded investments in past due loans and accruing loans 90 days or greater past due disaggregated by class of financing receivables is summarized as follows: As of: March 31, 2019 (in thousands) 30-89 90 Total Current Total (1) Recorded Investment Commercial: CRE $ 27,837 $ 66,700 $ 94,537 $ 8,615,213 $ 8,709,750 $ — C&I (1) 105,259 53,293 158,552 16,389,735 16,548,287 — Multifamily 46,087 1,599 47,686 8,444,339 8,492,025 — Other commercial 63,542 4,548 68,090 7,819,419 7,887,509 — Consumer: Residential mortgages 164,566 161,019 325,585 9,821,397 10,146,982 — Home equity loans and lines of credit 51,584 76,379 127,963 5,201,284 5,329,247 — RICs and auto loans - originated 3,247,752 299,021 3,546,773 26,296,475 29,843,248 — RICs and auto loans - purchased 169,793 12,489 182,282 431,367 613,649 — Personal unsecured loans 97,577 89,978 187,555 2,255,351 2,442,906 86,413 Other consumer 15,465 11,981 27,446 375,789 403,235 — Total $ 3,989,462 $ 777,007 $ 4,766,469 $ 85,650,369 $ 90,416,838 $ 86,413 (1) C&I loans includes $44.1 million of LHFS at March 31, 2019 . (2) Residential mortgages includes $194.5 million of LHFS at March 31, 2019 . (3) Personal unsecured loans includes $1.0 billion of LHFS at March 31, 2019 . As of December 31, 2018 (in thousands) 30-89 90 Total Current Total (1) Recorded Commercial: CRE $ 20,179 $ 49,317 $ 69,496 $ 8,634,985 $ 8,704,481 $ — C&I 61,495 74,210 135,705 15,602,453 15,738,158 — Multifamily 1,078 4,574 5,652 8,303,463 8,309,115 — Other commercial 16,081 5,330 21,411 7,608,593 7,630,004 6 Consumer: Residential mortgages 186,222 171,265 357,487 9,741,496 10,098,983 — Home equity loans and lines of credit 58,507 79,860 138,367 5,327,303 5,465,670 — RICs and auto loans - originated 4,076,015 419,819 4,495,834 24,036,251 28,532,085 — RICs and auto loans - purchased 242,604 21,923 264,527 538,608 803,135 — Personal unsecured loans 93,675 102,463 196,138 2,404,327 2,600,465 98,973 Other consumer 16,261 13,782 30,043 417,007 447,050 — Total $ 4,772,117 $ 942,543 $ 5,714,660 $ 82,614,486 $ 88,329,146 $ 98,979 (1) Residential mortgages included $214.5 million of LHFS at December 31, 2018 . (2) Personal unsecured loans included $1.1 billion of LHFS at December 31, 2018 . NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Impaired Loans by Class of Financing Receivable Impaired loans are generally defined as all 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, 2019 (in thousands) Recorded Investment (1) UPB Related Average With no related allowance recorded: Commercial: CRE $ 74,425 $ 83,594 $ — $ 76,741 C&I 42,472 52,697 — 34,166 Multifamily 10,077 10,984 — 14,169 Other commercial 13,528 13,563 — 10,438 Consumer: Residential mortgages 141,221 194,953 — 143,060 Home equity loans and lines of credit 45,176 47,208 — 45,623 RICs and auto loans - originated — — — 1 RICs and auto loans - purchased 5,565 7,149 — 6,313 Personal unsecured loans 20 20 — 12 Other consumer 3,195 3,195 — 3,393 With an allowance recorded: Commercial: CRE 51,918 59,844 6,951 55,390 C&I 176,353 196,603 64,850 178,266 Multifamily — — — — Other commercial 65,921 65,921 23,508 62,918 Consumer: Residential mortgages 255,166 291,999 28,234 254,566 Home equity loans and lines of credit 64,226 74,872 4,294 62,383 RICs and auto loans - originated 4,318,164 4,331,157 1,133,183 4,474,389 RICs and auto loans - purchased 494,097 558,409 146,232 554,084 Personal unsecured loans 15,685 15,814 6,210 15,934 Other consumer 10,014 12,971 1,232 10,037 Total: Commercial $ 434,694 $ 483,206 $ 95,309 $ 432,088 Consumer 5,352,529 5,537,747 1,319,385 5,569,795 Total $ 5,787,223 $ 6,020,953 $ 1,414,694 $ 6,001,883 (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. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) The Company recognized interest income, not including the impact of purchase accounting adjustments, of $205.4 million for the three-month period ended March 31, 2019 on approximately $4.8 billion of TDRs that were in performing status as of March 31, 2019 . December 31, 2018 (in thousands) Recorded Investment (1) UPB Related Average With no related allowance recorded: Commercial: CRE $ 79,056 $ 88,960 $ — $ 102,731 C&I 25,859 36,067 — 54,200 Multifamily 18,260 19,175 — 14,074 Other commercial 7,348 7,380 — 4,058 Consumer: Residential mortgages 144,899 201,905 — 126,110 Home equity loans and lines of credit 46,069 48,021 — 49,233 RICs and auto loans - originated 1 1 — 1 RICs and auto loans - purchased 7,061 9,071 — 11,627 Personal unsecured loans 4 4 — 42 Other consumer 3,591 3,591 — 6,574 With an allowance recorded: Commercial: CRE 58,861 66,645 6,449 78,271 C&I 180,178 197,937 66,329 178,474 Multifamily — — — 3,101 Other commercial 59,914 59,914 21,342 68,813 Consumer: Residential mortgages 253,965 289,447 29,156 288,029 Home equity loans and lines of credit 60,540 71,475 4,272 62,684 RICs and auto loans - originated 4,630,614 4,652,013 1,231,164 4,742,820 RICs and auto loans - purchased 614,071 694,000 184,545 890,274 Personal unsecured loans 16,182 16,446 6,875 16,330 Other consumer 10,060 13,275 1,162 10,826 Total: Commercial $ 429,476 $ 476,078 $ 94,120 $ 503,722 Consumer 5,787,057 5,999,249 1,457,174 6,204,550 Total $ 6,216,533 $ 6,475,327 $ 1,551,294 $ 6,708,272 (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, not including the impact of purchase accounting adjustments, of $761.0 million for the year ended December 31, 2018 on approximately $5.0 billion of TDRs that were in performing status as of December 31, 2018 . Commercial Lending Asset Quality Indicators The Company's Risk Department performs a credit analysis and classifies certain loans over an internal threshold based on the commercial lending classifications described below: 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. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) 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 Company 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: March 31, 2019 CRE C&I Multifamily Remaining Total (1) (in thousands) Rating: Pass $ 7,751,438 $ 14,741,539 $ 8,262,331 $ 7,500,488 $ 38,255,796 Special mention 538,203 782,001 204,314 280,641 1,805,159 Substandard 373,474 455,380 25,380 40,328 894,562 Doubtful 3,889 38,786 — 66,052 108,727 N/A (2) 42,746 530,581 — — 573,327 Total commercial loans $ 8,709,750 $ 16,548,287 $ 8,492,025 $ 7,887,509 $ 41,637,571 (1) Financing receivables include LHFS. (2) Consists of loans that have not been assigned a regulatory rating. December 31, 2018 CRE C&I Multifamily Remaining Total (1) (in thousands) Rating: Pass $ 7,655,627 $ 14,003,134 $ 8,072,407 $ 7,466,419 $ 37,197,587 Special mention 628,097 772,704 204,262 67,313 1,672,376 Substandard 373,356 408,515 32,446 36,255 850,572 Doubtful 4,655 38,373 — 60,017 103,045 N/A (2) 42,746 515,432 — — 558,178 Total commercial loans $ 8,704,481 $ 15,738,158 $ 8,309,115 $ 7,630,004 $ 40,381,758 (1) Financing receivables include LHFS. (2) Consists of loans that have not been assigned a regulatory rating. Consumer Lending Asset Quality Indicators-Credit Score Consumer financing receivables for which either an internal or external credit score is a core component of the allowance model are summarized by credit score as follows: Credit Score Range (2) March 31, 2019 December 31, 2018 (dollars in thousands) RICs and auto loans Percent RICs and auto loans Percent No FICO ®(1) $ 3,236,902 10.6 % $ 3,136,449 10.7 % <600 15,208,232 49.9 % 14,884,385 50.7 % 600-639 5,414,127 17.8 % 5,185,412 17.7 % 640-679 4,968,013 16.3 % 4,758,394 16.2 % 680-719 369,272 1.2 % 289,270 1.0 % 720-759 356,081 1.2 % 283,052 1.0 % >=760 904,270 3.0 % 798,258 2.7 % Total $ 30,456,897 100.0 % $ 29,335,220 100.0 % (1) Consists primarily of loans for which credit scores are not considered in the ALLL model. (2) Credit scores updated quarterly. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Consumer Lending Asset Quality Indicators-FICO and LTV Ratio For both residential and home equity loans, loss severity assumptions are incorporated in the loan and lease loss reserve models to estimate loan balances that will ultimately charge off. These assumptions are based on recent loss experience within various current LTV bands within these portfolios. LTVs 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 LTV. The Company's ALLL incorporates the refreshed LTV information to update the distribution of defaulted loans by LTV as well as the associated loss given default for each LTV 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. Residential mortgage and home equity financing receivables by LTV and FICO range are summarized as follows: Residential Mortgages (1)(3) March 31, 2019 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 55,818 $ 2,871 $ — $ — $ — $ — $ — $ 58,689 <600 70 209,547 50,759 39,104 26,952 2,843 4,746 334,021 600-639 — 161,343 47,641 35,657 38,920 800 1,483 285,844 640-679 120 311,642 102,931 81,360 100,966 1,908 2,004 600,931 680-719 — 568,546 256,941 144,411 165,126 3,473 3,319 1,141,816 720-759 50 1,099,396 492,524 218,525 204,800 3,987 6,377 2,025,659 >=760 315 3,704,818 1,204,676 384,410 198,569 4,618 8,155 5,505,561 Grand Total $ 56,373 $ 6,058,163 $ 2,155,472 $ 903,467 $ 735,333 $ 17,629 $ 26,084 $ 9,952,521 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and combined LTV ("CLTV") for financing receivables in second lien position for the Company. Home Equity Loans and Lines of Credit (2) March 31, 2019 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 131,248 $ 1,046 $ 451 $ — $ — $ 132,745 <600 1,066 212,854 62,843 13,389 5,459 295,611 600-639 311 168,783 44,896 5,383 3,412 222,785 640-679 694 304,570 103,486 11,713 5,951 426,414 680-719 710 528,051 195,615 18,069 11,808 754,253 720-759 97 733,174 260,357 17,718 12,157 1,023,503 >=760 1,304 1,842,488 562,711 40,841 26,592 2,473,936 Grand Total $ 135,430 $ 3,790,966 $ 1,230,359 $ 107,113 $ 65,379 $ 5,329,247 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. Residential Mortgages (1)(3) December 31, 2018 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 87,808 $ 4,465 $ — $ — $ 423 $ — $ — $ 92,696 <600 69 225,647 54,101 35,625 26,863 2,450 4,604 349,359 600-639 35 157,281 47,712 34,124 37,901 943 1,544 279,540 640-679 — 308,780 112,811 76,512 101,057 1,934 1,767 602,861 680-719 — 560,920 266,877 148,283 175,889 3,630 3,593 1,159,192 720-759 50 1,061,969 535,840 210,046 218,177 4,263 6,704 2,037,049 >=760 213 3,518,916 1,253,733 354,629 220,695 6,477 9,102 5,363,765 Grand Total $ 88,175 $ 5,837,978 $ 2,271,074 $ 859,219 $ 781,005 $ 19,697 $ 27,314 $ 9,884,462 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Home Equity Loans and Lines of Credit (2) December 31, 2018 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 133,436 $ 841 $ 197 $ — $ 5 $ 134,479 <600 1,130 209,536 64,202 14,948 5,988 295,804 600-639 398 166,384 48,543 7,932 2,780 226,037 640-679 919 305,642 112,937 10,311 6,887 436,696 680-719 869 527,374 215,824 17,231 13,482 774,780 720-759 1,139 732,467 292,516 20,812 14,677 1,061,611 >=760 2,280 1,844,830 614,221 46,993 27,939 2,536,263 Grand Total $ 140,171 $ 3,787,074 $ 1,348,440 $ 118,227 $ 71,758 $ 5,465,670 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. TDR Loans The following table summarizes the Company’s performing and non-performing TDRs at the dates indicated: (in thousands) March 31, 2019 December 31, 2018 Performing $ 4,774,676 $ 5,014,224 Non-performing 720,190 908,128 Total (1) $ 5,494,866 $ 5,922,352 (1) Excludes LHFS. Commercial Loan TDRs All of the Company’s commercial loan modifications are based on the circumstances of the individual customer, including specific customers' complete relationships with the Company. Loan terms are modified to meet each borrower’s specific circumstances at a point in time and may allow for modifications such as term extensions and interest rate reductions. 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. Commercial 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). TDRs are 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 DTI ratio range. The main modification benefits of the program allow for term extensions, interest rate reductions, and/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, including RICs and auto loans, the terms of the modifications generally include one or a combination of: a reduction of the stated interest rate of the loan to a rate of interest lower than the current market rate for new debt with similar risk or an extension of the maturity date. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Consumer TDRs excluding RICs 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 accru

OPERATING LEASE ASSETS, NET

OPERATING LEASE ASSETS, NET	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
OPERATING LEASE ASSETS, NET	OPERATING LEASE ASSETS, NET The Company has operating leases, including leased vehicles and commercial equipment vehicles and aircraft, which are included in the Company's Condensed Consolidated Balance Sheets as Operating lease assets, net. The leased vehicle portfolio consists primarily of leases originated under the Chrysler Agreement. NOTE 5. OPERATING LEASE ASSETS, NET (continued) Operating lease assets, net consisted of the following as of March 31, 2019 and December 31, 2018 : (in thousands) March 31, 2019 December 31, 2018 Leased vehicles $ 19,136,180 $ 18,737,338 Less: accumulated depreciation (3,529,738 ) (3,518,025 ) Depreciated net capitalized cost 15,606,442 15,219,313 Origination fees and other costs 69,232 66,967 Manufacturer subvention payments (1,287,017 ) (1,307,424 ) Leased vehicles, net 14,388,657 13,978,856 Commercial equipment vehicles and aircraft, gross 136,176 130,274 Less: accumulated depreciation (34,734 ) (30,337 ) Commercial equipment vehicles and aircraft, net 101,442 99,937 Total operating lease assets, net $ 14,490,099 $ 14,078,793 The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of March 31, 2019 (in thousands): 2019 $ 1,862,576 2020 1,909,673 2021 850,623 2022 75,928 2023 6,978 Thereafter 11,820 Total $ 4,717,598 Lease income was $674.9 million and $540.9 million for the three-month periods ended March 31, 2019 , and 2018 , respectively. During the three-month periods ended March 31, 2019 and 2018 , the Company recognized $24.0 million and $53.2 million , respectively, of net gains on the sale of operating lease assets that had been returned to the Company at the end of the lease term. These amounts are recorded within Miscellaneous income, net in the Company's Condensed Consolidated Statements of Operations . Lease expense was $479.3 million and $424.3 million for the three-month periods ended March 31, 2019 , and 2018 , respectively.

VIEs

VIEs	3 Months Ended
	Mar. 31, 2019
Variable Interest Entity and Securitizations [Abstract]
VIEs	VIEs The Company transfers RICs and vehicle leases into newly formed Trusts that then issue one or more classes of notes payable backed by the collateral. The Company’s continuing involvement with these Trusts is in the form of servicing the assets and, generally, through holding residual interests in the Trusts. The Trusts are considered VIEs under GAAP and the Company may or may not consolidate these VIEs on its Condensed Consolidated Balance Sheets . The collateral borrowings under credit facilities and securitization notes payable of the Company’s consolidated VIEs remain on the Condensed Consolidated Financial Statements . The Company recognizes finance charges, fee income, and provision for credit losses on the RICs, and leased vehicles and interest expense on the debt. Revolving credit facilities generally also utilize entities that are considered VIEs, which are included on the Condensed Consolidated Balance Sheets . The Company also uses a titling trust to originate and hold its leased vehicles and the associated leases in order to facilitate the pledging of leases to financing facilities or the sale of leases to other parties without incurring the costs and administrative burden of retitling the leased vehicles. This titling trust is considered a VIE. NOTE 6. VIEs (continued) On-balance sheet VIEs The assets of consolidated VIEs that are included in the Company's Condensed Consolidated Financial Statements , presented based upon the legal transfer of the underlying assets in order to reflect legal ownership, and that can be used only to settle obligations of the consolidated VIEs and the liabilities of those entities for which creditors (or beneficial interest holders) do not have recourse to the Company's general credit, were as follows (1) : (in thousands) March 31, 2019 December 31, 2018 Assets Restricted cash $ 1,830,617 $ 1,582,158 Loans (2) 24,846,214 24,098,638 Operating lease assets, net 14,388,657 13,978,855 Various other assets 667,368 685,383 Total Assets $ 41,732,856 $ 40,345,034 Liabilities Notes payable (2) $ 32,810,785 $ 31,949,839 Various other liabilities 109,388 122,010 Total Liabilities $ 32,920,173 $ 32,071,849 (1) Certain amounts shown above are greater than the amounts shown in the corresponding line items in the accompanying Condensed Consolidated Balance Sheets due to intercompany eliminations between the VIEs and other entities consolidated by the Company. For example, for most of its securitizations, the Company retains one or more of the lowest tranches of bonds. Rather than showing investment in bonds as an asset and the associated debt as a liability, these amounts are eliminated in consolidation as required by GAAP. (2) Reflects the impacts of purchase accounting. The Company retains servicing rights 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 Miscellaneous income, net. As of March 31, 2019 and December 31, 2018 , the Company was servicing $28.0 billion and $27.1 billion , respectively, of gross RICs that have been transferred to consolidated Trusts. The remainder of the Company’s RICs remains unpledged. A summary of the cash flows received from the consolidated securitization Trusts for the three-month periods ended March 31, 2019 and 2018 is as follows: Three-Month Period Ended March 31, (in thousands) 2019 2018 Assets securitized $ 4,928,462 $ 7,240,944 Net proceeds from new securitizations (1) $ 3,962,618 $ 3,476,322 Net proceeds from sale of retained bonds 17,306 211,610 Cash received for servicing fees (2) 208,325 215,790 Net distributions from Trusts (2) 592,769 545,152 Total cash received from Trusts $ 4,781,018 $ 4,448,874 (1) Includes additional advances on existing securitizations. (2) These amounts are not reflected in the accompanying Consolidated SCF because the cash flows are between the VIEs and other entities included in the consolidation. Off-balance sheet VIEs During the three-month period ended March 31, 2019 , the Company sold no RICs to VIEs in off-balance sheet securitizations compared to sales of $1.5 billion for a loss of $16.9 million during the three-month period ended March 31, 2018 . Beginning in 2017, the transactions were executed under the Company's securitization platforms with Santander. Santander, as a majority owned affiliate, holds eligible vertical interests in notes and certificates of not less than 5% to comply with the DFA's risk retention rules. NOTE 6. VIEs (continued) As of March 31, 2019 and December 31, 2018 , the Company was servicing $3.6 billion and $4.1 billion , respectively, of gross RICs that have been sold in off-balance sheet securitizations and were subject to an optional clean-up call. The portfolio was comprised as follows: (in thousands) March 31, 2019 December 31, 2018 Santander Private Auto Issuing Note ("SPAIN") trust $ 3,110,475 $ 3,461,793 Total serviced for related parties 3,110,475 3,461,793 Chrysler Capital securitizations 520,842 611,050 Total serviced for third parties 520,842 611,050 Total serviced for other portfolio $ 3,631,317 $ 4,072,843 Other than repurchases of sold assets due to standard representations and warranties, the Company has no exposure to loss as a result of its involvement with these VIEs. A summary of the cash flows received from the Trusts for the three-month periods ended March 31, 2019 and 2018 is as follows: Three-Month Period Ended March 31, (in thousands) 2019 2018 Receivables securitized (1) $ — $ 1,475,253 Net proceeds from new securitizations $ — $ 1,474,820 Cash received for servicing fees 10,251 8,078 Total cash received from Trusts $ 10,251 $ 1,482,898 (1) Represents the UPB at the time of original securitization.

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	3 Months Ended
	Mar. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLES	GOODWILL AND OTHER INTANGIBLES Goodwill Goodwill is assigned to reporting units, which are operating segments or one level below an operating segment, as of the acquisition date. The following table presents the Company's goodwill by its reporting units at March 31, 2019 : (in thousands) Consumer and Business Banking C&I (1) CRE and Vehicle Finance CIB SC Total Goodwill at December 31, 2018 $ 1,880,304 $ 1,412,995 $ — $ 131,130 $ 1,019,960 $ 4,444,389 Re-allocations during the period — (1,095,071 ) 1,095,071 — — — Goodwill at March 31, 2019 $ 1,880,304 $ 317,924 $ 1,095,071 $ 131,130 $ 1,019,960 $ 4,444,389 (1) Formerly Commercial Banking. The Company made a change in its reportable segments beginning January 1, 2019, and accordingly, has re-allocated goodwill to the related reporting units based on the estimated fair value of each reporting unit. Upon re-allocation, management tested the new reporting units for impairment, using the same methodology and assumptions as used in the October 1, 2018 goodwill impairment test, and noted there was no impairment. See Note 18 for additional details on the change in reportable segments. During first quarter of 2018, the reportable segments (and reporting units) formerly known as Commercial Banking and CRE were combined and presented as Commercial Banking. As a result, goodwill assigned to these former reporting units of $542.6 million and $870.4 million , for Commercial Banking and CRE, respectively, were combined. There were no disposals, additions or impairments of goodwill for the three-month period ended March 31, 2019 or 2018 . The Company evaluates goodwill for impairment at the reporting unit level. The Company completes its annual goodwill impairment test as of October 1 each year. The Company conducted its last annual goodwill impairment tests as of October 1, 2018 using generally accepted valuation methods. NOTE 7. GOODWILL AND OTHER INTANGIBLES (continued) Other Intangible Assets The following table details amounts related to the Company's intangible assets subject to amortization for the dates indicated. March 31, 2019 December 31, 2018 (in thousands) Net Carrying Amount Accumulated Amortization Net Carrying Amount Accumulated Amortization Intangibles subject to amortization: Dealer networks $ 377,393 $ (202,607 ) $ 387,196 $ (192,804 ) Chrysler relationship 61,250 (77,500 ) 65,000 (73,750 ) Trade name 14,400 (3,600 ) 14,700 (3,300 ) Other intangibles 7,386 (47,803 ) 8,297 (46,894 ) Total intangibles subject to amortization $ 460,429 $ (331,510 ) $ 475,193 $ (316,748 ) At March 31, 2019 and December 31, 2018 , the Company did no t have any intangibles, other than goodwill, that were not subject to amortization. Amortization expense on intangible assets was $14.8 million , and $15.3 million , for the three-month periods ended March 31, 2019 , and 2018 , respectively. The estimated aggregate amortization expense related to intangibles, excluding any impairment charges, 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) 2019 $ 58,992 $ 14,766 $ 44,226 2020 58,657 — 58,657 2021 39,903 — 39,903 2022 39,901 — 39,901 2023 28,649 — 28,649 Thereafter 249,093 — 249,093

OTHER ASSETS

OTHER ASSETS	3 Months Ended
	Mar. 31, 2019
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
OTHER ASSETS	OTHER ASSETS The following is a detail of items that comprised other assets at March 31, 2019 and December 31, 2018 : (in thousands) March 31, 2019 December 31, 2018 Operating lease right-of-use (ROU) assets $ 702,671 $ — Deferred tax assets 604,443 625,087 Accrued interest receivable 537,307 566,602 Derivative assets at fair value 512,571 511,916 Other repossessed assets 199,393 225,890 Equity method investments 202,802 204,687 MSRs 142,422 152,121 OREO 106,097 107,868 Miscellaneous assets, receivables and prepaid expenses 1,474,927 1,259,165 Total other assets $ 4,482,633 $ 3,653,336 NOTE 8. OTHER ASSETS (continued) Other assets is comprised of: • Operating lease ROU assets We have operating leases for real estate and non-real estate assets. Real estate leases relate to office space and bank/lending retail branches. Non-real estate leases include data-centers, automated teller machines ("ATMs"), vehicles and certain equipment leases. Leases with an initial term of 12 months or less are not recorded on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. Some lease payments may vary based on changes in the Consumer Price Index (CPI). The Company generally uses the contractual lease terms to allocate lease and non-lease components. Real estate leases may include one or more options to renew, with renewal terms that can extend the lease term from one to 5 years or more. The exercise of lease renewal options is at our sole discretion. The Company includes a renewal option period in the lease term if it is reasonably certain that it will exercise such option. Certain leases also include options to purchase the leased property. The depreciable life of assets and leasehold improvements are limited by the expected lease term, unless there is a transfer of title or purchase option reasonably certain of exercise. ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and lease liabilities are recognized based on the present value of lease payments over the lease term, using our incremental borrowing rates. At March 31, 2019 , operating lease ROU assets were $702.7 million and operating lease liabilities were $759.8 million . Operating lease ROU assets are included in Other Assets in the Company’s Condensed Consolidated Balance Sheets. Lease liabilities are included in Accrued Expenses and Payables in the Company’s Condensed Consolidated Balance Sheets. For the three months ended March 31, 2019, operating lease expenses were $37.6 million and sublease income was $0.6 million , respectively and is reported within Occupancy and equipment expenses in the Company’s Condensed Consolidated Statements of Operations. Supplemental balance sheet information related to leases was as follows: Maturity of Lease Liabilities at March 31, 2019 Total Operating leases (in thousands) 2019 $ 108,489 2020 134,781 2021 124,541 2022 115,645 2023 101,202 Thereafter 266,798 Total lease liabilities $ 851,456 Less: Interest (91,638 ) Present value of lease liabilities $ 759,818 Operating Lease Term and Discount Rate March 31, 2019 Weighted-average remaining lease term (years) 7.1 Weighted-average discount rate 3.2 % Other Information March 31, 2019 (in thousands) Operating cash flows from operating leases (1) $ (23,640 ) Leased assets obtained in exchange for new operating lease liabilities $ 705,443 (1) Activity is included within the net change in other liabilities on the Condensed Consolidated Statement of Cash Flows. NOTE 8. OTHER ASSETS (continued) The Company made approximately $0.9 million in payments during the quarter ending March 31, 2019 to Santander for rental of certain office space. The related ROU asset and lease liability were approximately $14.1 million on March 31, 2019. • Deferred tax asset, net - Refer to Note 13 of these Condensed Consolidated Financial Statements for more information on tax-related activities. • Derivative assets at fair value - Refer to the offsetting of financial assets table in Note 12 to these Condensed Consolidated Financial Statements for the detail of these amounts. • Equity method investments - The Company makes certain equity investments in various limited partnerships, some of which are considered VIEs, that invest in and lend to qualified community development entities, such as renewable energy investments, through the New Market Tax Credits ("NMTC") and CRA programs. The Company acts only in a limited partner capacity in connection with these partnerships, so the Company has determined that it is not the primary beneficiary of the partnerships because it does not have the power to direct the activities of the partnerships that most significantly impact the partnerships' economic performance. • MSRs - See further discussion on the valuation of the MSRs in Note 14 . • Miscellaneous assets and receivables includes $344.3 million and $373.2 million of Income tax receivables and $ 208.7 million and $199.0 million of prepaid expenses at March 31, 2019 and December 31, 2018 , respectively. In addition subvention receivables in connection with the Chrysler Agreement, investment and capital market receivables, derivatives trading receivables, and unapplied payments are also included in miscellaneous assets. The 2019 increase was due to increases in subvention receivables, and due from others related to broker-dealer activities offset by decreases in wire transfer clearing, and investment proceeds receivable.

DEPOSITS AND OTHER CUSTOMER ACC

DEPOSITS AND OTHER CUSTOMER ACCOUNTS	3 Months Ended
	Mar. 31, 2019
Deposits [Abstract]
DEPOSITS AND OTHER CUSTOMER ACCOUNTS	DEPOSITS AND OTHER CUSTOMER ACCOUNTS Deposits and other customer accounts are summarized as follows: March 31, 2019 December 31, 2018 (dollars in thousands) Balance Percent of total deposits Balance Percent of total deposits Interest-bearing demand deposits $ 9,241,805 14.7 % $ 8,827,704 14.4 % Non-interest-bearing demand deposits 14,916,347 23.7 % 14,420,450 23.4 % Savings 6,011,623 9.6 % 5,875,787 9.6 % Customer repurchase accounts 450,771 0.7 % 654,843 1.1 % Money market 23,965,771 38.0 % 24,263,929 39.4 % CDs 8,360,527 13.3 % 7,468,667 12.1 % Total Deposits (1) $ 62,946,844 100.0 % $ 61,511,380 100.0 % (1) Includes foreign deposits, as defined by the FRB, of $8.7 billion and $8.4 billion at March 31, 2019 and December 31, 2018 , respectively. Deposits collateralized by investment securities, loans, and other financial instruments totaled $2.8 billion and $2.7 billion at March 31, 2019 and December 31, 2018 , respectively. Demand deposit overdrafts that have been reclassified as loan balances were $100.1 million and $50.0 million at March 31, 2019 and December 31, 2018 , respectively. At March 31, 2019 and December 31, 2018 , the Company had $1.9 billion and $1.9 billion of CDs greater than $250 thousand.

BORROWINGS

BORROWINGS	3 Months Ended
	Mar. 31, 2019
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Total borrowings and other debt obligations at March 31, 2019 were $45.6 billion , compared to $45.0 billion at December 31, 2018 . The Company's debt agreements impose certain limitations on dividends 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 obligations. NOTE 10. BORROWINGS (continued) Bank The Bank had no new securities issuances and did not repurchase any outstanding borrowings in the open market during the three-month period ended March 31, 2019 and the year ended December 31, 2018 . SHUSA SHUSA had no new securities issuances and did not repurchase any outstanding borrowings in the open market during the three-month period ended March 31, 2019 . During 2018 , the Company issued $1.4 billion of debt consisting of: • $427.9 million of its senior floating rate notes. • $1.0 billion of its 4.45% senior notes due 2021. During 2018 , the Company repurchased the following borrowings and other debt obligations: • $244.6 million of its 3.45% senior notes. • $821.3 million of its 2.7% senior notes. • $154.6 million of its Sovereign Cap Trust IX subordinated debentures and common securities. In March 2019, the Company notified holders of SHUSA senior notes due May 2019, that the Company had the intention to call the notes in April 2019. The Company recorded a loss on debt extinguishment related to the accelerated amortization of deferred costs. The Company recorded a loss on debt extinguishment related to debt repurchases and early repayments at SHUSA of $18.0 thousand and $2.2 million for the three-month periods ended March 31, 2019 and 2018 , respectively. Parent Company and other Subsidiary Borrowings and Debt Obligations The following table presents information regarding the Parent Company and its subsidiaries' borrowings and other debt obligations at the dates indicated: March 31, 2019 December 31, 2018 (dollars in thousands) Balance Effective Rate Balance Effective Rate Parent Company 2.70% senior notes, due May 2019 $ 178,699 2.82 % $ 178,628 2.82 % 2.65% senior notes, due April 2020 998,257 2.82 % 997,848 2.82 % 4.45% senior notes, due December 2021 995,898 4.61 % 995,540 4.61 % 3.70% senior notes, due March 2022 1,440,069 3.74 % 1,440,063 3.74 % 3.40% senior notes, due January 2023 995,130 3.54 % 994,831 3.54 % 4.50% senior notes, due July 2025 1,096,099 4.56 % 1,095,966 4.56 % 4.40% senior notes, due July 2027 1,049,803 4.40 % 1,049,799 4.40 % Senior notes, due July 2019 (1) 388,725 3.74 % 388,717 3.22 % Senior notes, due September 2019 (1) 370,943 3.74 % 370,936 3.18 % Senior notes, due January 2020 (1) 302,624 3.78 % 302,619 3.22 % Senior notes, due September 2020 (2) 111,553 3.17 % 108,888 3.17 % Senior notes, due June 2022 (1) 427,856 3.78 % 427,850 3.38 % Subsidiaries 2.00% subordinated debt, maturing through 2042 40,989 2.00 % 40,703 2.00 % Short-term borrowing, due within one year, maturing April 2019 22,500 2.40 % 44,000 2.40 % Short-term borrowing, due within one year, maturing April 2019 11,823 0.38 % 15,900 0.38 % Total Parent Company and subsidiaries' borrowings and other debt obligations $ 8,430,968 3.86 % $ 8,452,288 3.76 % (1) These notes bear interest at a rate equal to the three-month London Interbank Offered Rate (“LIBOR") plus 100 basis points per annum. (2) This note will bear interest at a rate equal to the three-month LIBOR plus 105 basis points per annum. NOTE 10. BORROWINGS (continued) Bank Borrowings and Debt Obligations The following table presents information regarding the Bank's borrowings and other debt obligations at the dates indicated: March 31, 2019 December 31, 2018 (dollars in thousands) Balance Effective Rate Balance Effective Rate Subordinated term loan, due February 2019 $ — — $ 99,402 8.20 % FHLB advances, maturing through September 2021 4,900,000 2.89 % 4,850,000 2.74 % REIT preferred, callable May 2020 145,947 13.12 % 145,590 13.22 % Subordinated term loan, due August 2022 26,856 10.33 % 26,770 9.95 % Total Bank borrowings and other debt obligations $ 5,072,803 3.22 % $ 5,121,762 3.18 % The Bank had outstanding irrevocable letters of credit totaling $842.1 million from the FHLB of Pittsburgh at March 31, 2019 , used to secure uninsured deposits placed with the Bank by state and local governments and their political subdivisions. Revolving Credit Facilities The following tables present information regarding SC's credit facilities as of March 31, 2019 and December 31, 2018 , respectively: March 31, 2019 (dollars in thousands) Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line, maturing on various dates (1) $ 355,345 $ 1,250,000 5.16 % $ 511,875 $ — Warehouse line, due November 2020 261,620 500,000 3.57 % 289,933 505 Warehouse line, due August 2020 (2) 2,515,243 4,400,000 4.09 % 3,311,763 4,274 Warehouse line, due October 2020 775,177 2,050,000 5.16 % 1,158,396 37 Warehouse line, due August 2019 37,484 500,000 8.6 % 54,475 — Warehouse line, due November 2020 751,400 1,000,000 3.68 % 1,088,648 — Warehouse line, due October 2019 80,600 350,000 5.74 % 89,781 581 Repurchase facility, due May 2019 (3) 167,748 167,748 3.80 % 235,540 — Repurchase facility, due May 2019 (3) 119,169 119,169 3.04 % 151,932 — Total SC revolving credit facilities $ 5,063,786 $ 10,336,917 4.27 % $ 6,892,343 $ 5,397 (1) As of March 31, 2019 , one-half of the outstanding balance on this facility matures in May 2019 and the remaining balance matures in March 2020. (2) This line is held exclusively for financing of Chrysler Capital leases. (3) These repurchase facilities are collateralized by securitization notes payable retained by SC. These facilities have rolling maturities of up to one year . As the borrower, SC is exposed to liquidity risk due to changes in the market value of retrained securities pledged. In some instances, SC places or receives cash collateral with counterparties under collateral arrangements associated with SC's repurchase agreements. December 31, 2018 (dollars in thousands) Balance Committed Amount Effective Assets Pledged Restricted Cash Pledged Warehouse line, maturing on various dates (1) $ 314,845 $ 1,250,000 4.83 % $ 458,390 $ — Warehouse line, due November 2020 317,020 500,000 3.53 % 359,214 525 Warehouse line, due August 2020 (2) 2,154,243 4,400,000 3.79 % 2,859,113 4,831 Warehouse line, due October 2020 242,377 2,050,000 5.94 % 345,599 120 Warehouse line, due August 2019 53,584 500,000 8.34 % 78,790 — Warehouse line, due November 2020 1,000,000 1,000,000 3.32 % 1,430,524 6 Warehouse line, due October 2019 97,200 350,000 4.35 % 108,418 328 Repurchase facility, due April 2019 (3) 167,118 167,118 3.84 % 235,540 — Repurchase facility, due March 2019 (3) 131,827 131,827 3.54 % 166,308 — Total SC revolving credit facilities $ 4,478,214 $ 10,348,945 3.91 % $ 6,041,896 $ 5,810 (1) As of December 31, 2018 , one-half of the outstanding balance on this facility matures in March 2019 and the remaining balance matures in March 2020. (2), (3) See corresponding footnotes to the March 31, 2019 credit facilities table above. NOTE 10. BORROWINGS (continued) Secured Structured Financings The following tables present information regarding SC's secured structured financings as of March 31, 2019 and December 31, 2018 , respectively: March 31, 2019 (dollars in thousands) Balance Initial Note Amounts Issued (3) Initial Weighted Average Interest Rate Range Collateral (2) Restricted Cash SC public securitizations, maturing on various dates between April 2021 and June 2026 (1) $ 18,489,633 $ 43,135,212 1.16% - 3.42% $ 24,058,020 $ 1,790,578 SC privately issued amortizing notes, maturing on various dates between June 2019 and September 2024 8,590,669 13,541,368 0.88% - 3.53% 11,836,129 34,642 Total SC secured structured financings $ 27,080,302 $ 56,676,580 0.88% - 3.53% $ 35,894,149 $ 1,825,220 (1) Securitizations executed under Rule 144A of the Securities Act of 1933, as amended (the "Securities Act"), are included within this balance. (2) Secured structured financings may be collateralized by SC's collateral overages of other issuances. (3) Excludes initial note amounts issued balance for any securitizations deal that were paid off or any new top ups for the year December 31, 2018 (dollars in thousands) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Range Collateral Restricted Cash SC public securitizations, maturing on various dates between April 2021 and April 2026 (1)(2) $ 19,225,169 $ 41,380,952 1.16% - 3.53% $ 24,912,904 $ 1,541,714 SC privately issued amortizing notes, maturing on various dates between June 2019 and September 2024 (1) 7,676,351 11,305,368 0.88% - 3.17% 10,383,266 35,201 Total SC secured structured financings $ 26,901,520 $ 52,686,320 0.88% - 3.53% $ 35,296,170 $ 1,576,915 (1) SC has entered into various securitization transactions involving its retail automobile installment loans and leases. These transactions are accounted for as secured financings and therefore both the securitized RICs and the related securitization debt issued by SPEs remain on the Condensed Consolidated Balance Sheets . The maturity of this debt is based on the timing of repayments from the securitized assets. (2) Securitizations executed under Rule 144A of the Securities Act are included within this balance. Most of SC's secured structured financings are in the form of public, SEC-registered securitizations. SC also executes private securitizations under Rule 144A of the Securities Act, and periodically issues private term amortizing notes, which are structured similarly to securitizations but are acquired by banks and conduits. SC's securitizations and private issuances are collateralized by RICs or vehicle leases. As of March 31, 2019 and December 31, 2018 , SC had private issuances of notes backed by vehicle leases outstanding totaling $8.0 billion and $7.8 billion , respectively.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS)	3 Months Ended
	Mar. 31, 2019
Equity [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 periods ended March 31, 2019 and 2018 , respectively. Total Other Total Accumulated Three-Month Period Ended March 31, 2019 December 31, 2018 March 31, 2019 (in thousands) Pretax Tax Net Activity Beginning Net Ending Change in accumulated OCI on cash flow hedge derivative financial instruments $ 10,402 $ (1,944 ) $ 8,458 Reclassification adjustment for net (gains) on cash flow hedge derivative financial instruments (1) (2,123 ) 668 (1,455 ) Net unrealized gains on cash flow hedge derivative financial instruments 8,279 (1,276 ) 7,003 $ (19,813 ) $ 7,003 $ (12,810 ) Change in unrealized gains on investments in debt securities 121,377 (31,355 ) 90,022 Reclassification adjustment for net losses included in net income/(expense) on non-OTTI securities (2) 2,000 (517 ) 1,483 Net unrealized gains on investments in debt securities 123,377 (31,872 ) 91,505 (245,767 ) 91,505 (154,262 ) Pension and post-retirement actuarial gain (3) 6,301 (190 ) 6,111 (56,072 ) 6,111 (49,961 ) As of March 31, 2019 $ 137,957 $ (33,338 ) $ 104,619 $ (321,652 ) $ 104,619 $ (217,033 ) (1) Net gains/(losses) reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statements of Operations for settlements of interest rate swap contracts designated as cash flow hedges. (2) Net (gains)/losses reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statements of Operations for the sale of AFS securities. (3) Included in the computation of net periodic pension costs. NOTE 11. ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (continued) Total Other Total Accumulated Three-Month Period Ended March 31, 2018 December 31, 2017 March 31, 2018 (in thousands) Pretax Tax Net Activity Beginning Net Ending Change in accumulated OCI on cash flow hedge derivative financial instruments $ (1,833 ) $ (4,671 ) $ (6,504 ) Reclassification adjustment for net (gains) on cash flow hedge derivative financial instruments (1) (1,687 ) 455 (1,232 ) Net unrealized (losses) on cash flow hedge derivative financial instruments (3,520 ) (4,216 ) (7,736 ) $ (6,388 ) $ (7,736 ) Cumulative impact of adoption of new ASUs (4) (9,629 ) Net unrealized (losses) on cash flow hedge derivative financial instruments upon adoption (17,365 ) (23,753 ) Change in unrealized (losses) on investment securities (136,960 ) 10,710 (126,250 ) Reclassification adjustment for net losses included in net income/(expense) on non-OTTI securities (2) 663 (58 ) 605 Net unrealized (losses) on investment securities (136,297 ) 10,652 (125,645 ) (140,498 ) (125,645 ) Cumulative impact of adoption of new ASU (4) (24,378 ) Net unrealized (losses) on investments in debt securities (150,023 ) (290,521 ) Pension and post-retirement actuarial gain (3) 5,929 (5,304 ) 625 (51,545 ) 625 Cumulative impact of adoption of new ASUs (4) (5,087 ) Pension and post-retirement actuarial gain upon adoption (4,462 ) (56,007 ) As of March 31, 2018 $ (133,888 ) $ 1,132 $ (132,756 ) $ (198,431 ) $ (171,850 ) $ (370,281 ) (1) Net (losses)/gains reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statements of Operations for settlements of interest rate swap contracts designated as cash flow hedges. (2) Net (gains)/losses reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statements of Operations for the sale of AFS securities. (3) Included in the computation of net periodic pension costs. (4) Includes impact of OCI reclassified to Retained earnings as a result of the adoption of ASU 2018-02. Refer to Note 1 for further discussion.

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	DERIVATIVES General Derivatives represent contracts between parties that usually require little or no initial net investment and result in one or both parties delivering cash or another type of asset to the other party based on a notional amount and an underlying asset, index, interest rate or future purchase commitment or option as specified in the contract. Derivative transactions are often measured in terms of notional amount, but this amount is generally not exchanged, is not recorded on the balance sheet, and does not represent the Company`s exposure to credit loss. The notional amount is the basis on which the financial obligation of each party to the derivative contract is calculated to determine required payments under the contract. The Company controls the credit risk of its derivative contracts through credit approvals, limits and monitoring procedures. The underlying asset is typically a referenced interest rate (commonly the OIS rate or LIBOR), security, credit spread or index. The Company’s capital markets and mortgage banking activities are 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. NOTE 12. DERIVATIVES (continued) See Note 14 for discussion of the valuation methodology for derivative instruments. Credit Risk Contingent Features The Company has entered into certain derivative contracts that require the posting of collateral to counterparties when those 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 a specified level, typically investment grade. As of March 31, 2019 , derivatives in this category had a fair value of $1.1 million . The credit ratings of the Company and the Bank are currently considered investment grade. During the first quarter of 2019 , no additional collateral would be required if there were a further 1 - or 2 - notch downgrade by either Standard & Poor's ("S&P") or Moody's Investor Services ("Moody's"). As of March 31, 2019 and December 31, 2018 , the aggregate fair value of all derivative contracts with credit risk contingent features (i.e., those containing collateral posting or termination provisions based on the Company's ratings) that were in a net liability position totaled $8.3 million and $9.5 million , respectively. The Company had $13.5 million and $11.5 million in cash and securities collateral posted to cover those positions as of March 31, 2019 and December 31, 2018 , respectively. Hedge Accounting Management uses derivative instruments designated as hedges to mitigate the impact of interest rate and foreign exchange rate movements on the fair value of certain assets and liabilities and on highly probable forecasted cash flows. These instruments primarily include interest rate swaps that have underlying interest rates based on key benchmark indices. 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. Cash Flow Hedges The Company has outstanding interest rate swap agreements designed to hedge a portion of the Company’s floating rate assets and liabilities (including its borrowed funds). All of these swaps have been deemed highly effective cash flow hedges. The gain or loss on the derivative instrument is reported as a component of accumulated OCI and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings and is presented in the same Consolidated Statements of Operations line item as the earnings effect of the hedged item. 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. As of March 31, 2019 , the Company expected $15.7 million of gains/losses recorded in accumulated other comprehensive loss to be reclassified to earnings during the subsequent twelve months as the future cash flows occur. NOTE 12. DERIVATIVES (continued) Derivatives Designated in Hedge Relationships – Notional and Fair Values Derivatives designated as accounting hedges at March 31, 2019 and December 31, 2018 included: (dollars in thousands) Notional Amount Asset Liability Weighted Average Receive Rate Weighted Average Pay Rate Weighted Average Life (Years) March 31, 2019 Cash flow hedges: Pay fixed — receive variable interest rate swaps $ 4,199,708 $ 28,601 $ 19,845 2.58 % 1.81 % 1.91 Pay variable - receive fixed interest rate swaps 4,000,000 — 62,587 1.41 % 2.49 % 1.78 Interest rate floor 2,200,000 16,393 — 0.02 % — % 1.69 Total $ 10,399,708 $ 44,994 $ 82,432 1.59 % 1.69 % 1.82 December 31, 2018 Cash flow hedges: Pay fixed — receive variable interest rate swaps $ 4,176,105 $ 44,054 $ 10,503 2.67 % 1.74 % 2.07 Pay variable - receive fixed interest rate swaps 4,000,000 — 89,769 1.41 % 2.40 % 2.02 Interest rate floor 2,000,000 10,932 — 0.04 % — % 1.91 Total $ 10,176,105 $ 54,986 $ 100,272 1.66 % 1.66 % 2.02 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, as well as derivatives to hedge interest rate risk on SC's secured structured financings and the borrowings under its revolving credit facilities. SC uses both interest rate swaps and interest rate caps to satisfy these requirements and to hedge the variability of cash flows on securities issued by Trusts and borrowings under its warehouse facilities. 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 carried at fair value on the balance sheet, resulting in generally symmetrical accounting treatment for the hedging instrument and the hedged item. Mortgage Banking Derivatives The Company's derivatives portfolio includes mortgage banking interest rate lock commitments, forward sale commitments and interest rate swaps. As part of its overall business strategy, the Company originates fixed-rate and adjustable rate residential mortgages. It sells a portion of this production to the FHLMC, the 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. Most of the Company`s 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 MBS. Customer-related derivatives The Company offers derivatives to its customers in connection with their risk management needs and requirements. 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. 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 and may or may not be physically settled depending on the Company’s needs. Exposure to gains and losses on these contracts will increase or decrease over their respective lives as currency exchange and interest rates fluctuate. NOTE 12. DERIVATIVES (continued) Other derivative instruments primarily include forward contracts related to certain investment securities sales, an OIS, a total return swap on Visa, Inc. Class B common shares, and equity options, which manage the Company's 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, 2019 and December 31, 2018 included: Notional Asset derivatives Fair value Liability derivatives Fair value (in thousands) March 31, 2019 December 31, 2018 March 31, 2019 December 31, 2018 March 31, 2019 December 31, 2018 Mortgage banking derivatives: Forward commitments to sell loans $ 339,162 $ 329,189 $ 11 $ 4 $ 3,176 $ 4,821 Interest rate lock commitments 164,381 133,680 2,976 2,677 — — Mortgage servicing 430,000 455,000 4,842 1,575 1,598 8,953 Total mortgage banking risk management 933,543 917,869 7,829 4,256 4,774 13,774 Customer-related derivatives: Swaps receive fixed 10,346,650 11,335,998 179,032 92,542 46,120 120,185 Swaps pay fixed 10,786,245 11,825,804 77,323 163,673 145,409 72,662 Other 2,199,443 2,162,302 7,483 11,151 8,688 14,294 Total customer-related derivatives 23,332,338 25,324,104 263,838 267,366 200,217 207,141 Other derivative activities: Foreign exchange contracts 4,336,969 3,635,119 49,928 47,330 39,368 37,466 Interest rate swap agreements 2,120,775 2,281,379 6,409 11,553 6,170 3,264 Interest rate cap agreements 9,696,590 7,758,710 136,552 128,467 — — Options for interest rate cap agreements 9,679,846 7,741,765 — — 136,470 128,377 Other 1,053,613 1,038,558 5,427 4,527 8,960 7,137 Total $ 51,153,674 $ 48,697,504 $ 469,983 $ 463,499 $ 395,959 $ 397,159 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 periods ended March 31, 2019 and 2018 : (in thousands) Three-Month Period Ended March 31, Derivative Activity (1) Line Item 2019 2018 Cash flow hedges: Pay fixed-receive variable interest rate swaps Interest expense on borrowings $ 12,940 $ 2,764 Pay variable receive-fixed interest rate swap Interest income on loans (11,448 ) (2,020 ) Other derivative activities: Forward commitments to sell loans Miscellaneous income, net 1,653 (514 ) Interest rate lock commitments Miscellaneous income, net 299 148 Mortgage servicing Miscellaneous income, net 8,354 (9,150 ) Customer-related derivatives Miscellaneous income, net (14,059 ) 5,869 Foreign exchange Miscellaneous income, net 23,933 3,720 Interest rate swaps, caps, and options Miscellaneous income, net 2,445 10,039 Interest expense — — Other Miscellaneous income, net (1,211 ) (2,631 ) (1) Gains are disclosed as positive numbers while losses are shown as a negative number regardless of the line item being affected. NOTE 12. DERIVATIVES (continued) The net amount of change recognized in OCI for cash flow hedge derivatives was a gain of $8.5 million , net of tax, for the three-month period ended March 31, 2019 and a loss of $6.5 million for the three-month period ended March 31, 2018 . The net amount of changes reclassified from OCI into earnings for cash flow hedge derivatives were gains of $1.5 million and $1.2 million , net of tax, for the three-month periods ended March 31, 2019 and 2018 , respectively. 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 s. The Company has elected to present derivative balances on a gross basis even if the derivative is subject to a legally enforceable nettable ISDA Master Agreement for all trades executed after April 1, 2013. Collateral that is received or pledged for these transactions is disclosed within the “Gross amounts not offset in the Condensed Consolidated Balance Sheets ” section of the tables below. Prior to April 1, 2013, the Company had elected to net all caps, floors, and interest rate swaps when it had an ISDA Master Agreement with the counterparty. The collateral received or pledged in connection with these transactions is disclosed within the “Gross amounts offset in the Condensed Consolidated Balance Sheets " section of the tables below. Information about financial assets and liabilities that are eligible for offset on the Condensed Consolidated Balance Sheets as of March 31, 2019 and December 31, 2018 , respectively, is presented in the following tables: Offsetting of Financial Assets Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet (in thousands) 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 March 31, 2019 Cash flow hedges $ 44,994 $ — $ 44,994 $ 3,878 $ 12,471 $ 28,645 Other derivative activities (1) 467,007 2,406 464,601 72,857 59,965 331,779 Total derivatives subject to a master netting arrangement or similar arrangement 512,001 2,406 509,595 76,735 72,436 360,424 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 2,976 — 2,976 — — 2,976 Total Derivative Assets $ 514,977 $ 2,406 $ 512,571 $ 76,735 $ 72,436 $ 363,400 December 31, 2018 Cash flow hedges $ 54,986 $ — $ 54,986 $ — $ 22,451 $ 32,535 Other derivative activities (1) 460,822 6,570 454,252 1,066 116,516 336,670 Total derivatives subject to a master netting arrangement or similar arrangement 515,808 6,570 509,238 1,066 138,967 369,205 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 2,677 — 2,677 — — 2,677 Total Derivative Assets $ 518,485 $ 6,570 $ 511,915 $ 1,066 $ 138,967 $ 371,882 (1) Includes customer-related and other derivatives. (2) Includes mortgage banking derivatives. NOTE 12. DERIVATIVES (continued) Offsetting of Financial Liabilities Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet (in thousands) 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 (3) Net Amount March 31, 2019 Cash flow hedges $ 82,432 $ — $ 82,432 $ 5,984 $ 76,448 $ — Other derivative activities (1) 392,783 6,849 385,934 30,473 308,726 46,735 Total derivatives subject to a master netting arrangement or similar arrangement 475,215 6,849 468,366 36,457 385,174 46,735 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 3,176 — 3,176 — 3,121 55 Total Derivative Liabilities $ 478,391 $ 6,849 $ 471,542 $ 36,457 $ 388,295 $ 46,790 December 31, 2018 Cash flow hedges $ 100,272 $ — $ 100,272 $ — $ 5,612 $ 94,660 Other derivative activities (1) 392,338 13,422 378,916 — 316,285 62,631 Total derivatives subject to a master netting arrangement or similar arrangement 492,610 13,422 479,188 — 321,897 157,291 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 4,821 — 4,821 — 3,827 994 Total Derivative Liabilities $ 497,431 $ 13,422 $ 484,009 $ — $ 325,724 $ 158,285 (1) Includes customer-related and other derivatives. (2) Includes mortgage banking derivatives. (3) In certain instances, the Company is over-collateralized since the actual amount of cash pledged as collateral exceeds the associated financial liability. As a result, the actual amount of cash collateral pledged that is reported in the Condensed Consolidated Balance Sheets may be greater than the amount shown in the table above.

INCOME TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES An income tax provision of $116.2 million was recorded for the three-month period ended March 31, 2019 , compared to $96.1 million for the corresponding period in 2018 . This resulted in an effective tax rate ("ETR") of 32.7% for the three-month period ended March 31, 2019 , compared to 27.0% for the corresponding period in 2018 . The increase in the ETR for the three-month period ended March 31, 2019 was primarily due to an increase in state income tax expense recognized during the three-month period ended March 31, 2019 compared to the three-month period ending March 31, 2018. 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. 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. The Company is subject to ongoing tax examinations and assessments in various jurisdictions. NOTE 13. INCOME TAXES (continued) The Company filed a lawsuit against the United States in 2009 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 these 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 Internal Revenue Service ("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 Company is entitled to a refund of the amounts paid. In November 2015, the Federal District Court granted the Company's motions for summary judgment and later ordered amounts assessed by the IRS for the years 2003 through 2005 to be refunded to the Company. The IRS appealed that judgment, and the U.S. Court of Appeals for the First Circuit partially reversed the judgment of the Federal District Court, finding that the Company is not entitled to claim the foreign tax credits it claimed but will be allowed to exclude from income $132.0 million (representing half of the U.K. taxes the Company paid) and will be allowed to claim the interest expense deductions. The case was remanded to the Federal District Court for further proceedings to determine, among other issues, whether penalties should be sustained. On remand, the Company moved for summary judgment on two issues. On July 17, 2018, those motions were denied by the Court. In response to the First Circuit's decision, at December 31, 2016, the Company used its previously established $230.1 million tax reserve to write off deferred tax assets and a portion of the receivable that would not be realized under the Court's decision. Additionally, the Company established a $36.8 million tax reserve in relation to items that had not yet been determined by the courts, including potential penalties. The Company anticipates that the matter to be finally resolved with no effect on net income. With few exceptions, the Company is no longer subject to federal, state and non-U.S. income tax examinations by tax authorities for years prior to 2006. The Company applies an aggregate portfolio approach whereby income tax effects from accumulated OCI are released only when an entire portfolio (i.e., all related units of account) of a particular type is liquidated, sold or extinguished. The Company had a net deferred tax liability balance of $699.8 million at March 31, 2019 (consisting of a deferred tax asset balance of $604.4 million and a deferred tax liability balance of $1.3 billion ), compared to a net deferred tax liability balance of $587.5 million at December 31, 2018 (consisting of a deferred tax asset balance of $625.1 million and a deferred tax liability balance of $1.2 billion ). The $112.3 million increase in net deferred liabilities for the three-month period ended March 31, 2019 was primarily due to an increase in deferred tax liabilities related to accelerated depreciation from leasing transactions.

FAIR VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2019
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE General A portion of the Company’s assets and liabilities are carried at fair value, including AFS investment securities and derivative instruments. In addition, the Company elects to account for its residential mortgages HFS and a portion of its MSRs at fair value. Fair value is also used on a nonrecurring basis to evaluate certain assets for impairment or for disclosure purposes. Examples of nonrecurring uses of fair value include impairments for certain loans and foreclosed assets. Fair value measurement requires that valuation techniques maximize the use of observable inputs and minimize the use of unobservable inputs and also establishes a fair value hierarchy that categorizes the inputs to valuation techniques used to measure fair value into three levels as follows: • Level 1 inputs are quoted prices in active markets for identical assets or liabilities that can be accessed as of the measurement date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. • Level 2 inputs are those other than quoted prices included in Level 1 that are observable for the assets or liabilities, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. • Level 3 inputs are those that are unobservable or not readily observable for the asset or liability and are used to measure fair value to the extent relevant observable inputs are not available. NOTE 14. FAIR VALUE (continued) Assets and liabilities measured at fair value, by their nature, result in a higher degree of financial statement volatility. When available, the Company uses 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 ("DCF") models incorporating various assumptions including interest rates, prepayment speeds and credit losses. Assets and liabilities valued using broker quotes and/or DCF 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 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, 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 the Company's 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. There were no material transfers between Levels 1, 2 or 3 during the three-month periods March 31, 2019 or 2018 for any assets or liabilities valued at fair value on a recurring basis. NOTE 14. 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, 2019 and December 31, 2018 . (in thousands) Level 1 Level 2 Level 3 Balance at Level 1 Level 2 Level 3 Balance at Financial assets: U.S. Treasury securities $ — $ 2,130,860 $ — $ 2,130,860 $ 526,364 $ 1,278,381 $ — $ 1,804,745 Corporate debt — 142,939 — 142,939 — 160,114 — 160,114 ABS — 100,898 326,108 427,006 — 109,638 327,199 436,837 State and municipal securities — 15 — 15 — 16 — 16 MBS — 8,768,379 — 8,768,379 — 9,231,275 — 9,231,275 Investment in debt securities AFS (3) — 11,143,091 326,108 11,469,199 526,364 10,779,424 327,199 11,632,987 Other investments - trading securities 3,426 2,802 — 6,228 4 6 — 10 RICs HFI (4) — — 114,809 114,809 — — 126,312 126,312 LHFS (1)(5) — 188,282 — 188,282 — 209,506 — 209,506 MSRs (2) — — 140,134 140,134 — — 149,660 149,660 Other assets - derivatives (3) — 511,901 3,076 514,977 — 515,781 2,704 518,485 Total financial assets (6) $ 3,426 $ 11,846,076 $ 584,127 $ 12,433,629 $ 526,368 $ 11,504,717 $ 605,875 $ 12,636,960 Financial liabilities: Other liabilities - derivatives (3) — 476,567 1,824 478,391 — 496,593 838 497,431 Total financial liabilities $ — $ 476,567 $ 1,824 $ 478,391 $ — $ 496,593 $ 838 $ 497,431 (1) LHFS disclosed on the Condensed Consolidated Balance Sheet s also includes LHFS that are held at the lower of cost or fair value and are not presented within this table. (2) The Company has total MSRs of $142.4 million and $152.1 million as of March 31, 2019 .and December 31, 2018 , respectively. The Company has elected to account for the majority of its MSR balance using the FVO, while the remainder of the MSRs are accounted for using the lower of cost or fair value and are not presented within this table. (3) Refer to Note 3 for the fair value of investment securities and to Note 12 for the fair values of derivative assets and liabilities, on a further disaggregated basis. (4) RICs collateralized by vehicle titles at SC and RV/marine loans at SBNA. (5) Residential mortgage loans. (6) Approximately $584.1 million of these financial assets were measured using model-based techniques, or Level 3 inputs, and represented approximately 4.7% of total assets measured at fair value on a recurring basis and approximately 0.4% of total consolidated assets. 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: (in thousands) Level 1 Level 2 Level 3 Balance at Level 1 Level 2 Level 3 Balance at Impaired commercial LHFI $ 13,105 $ 43,538 $ 213,571 $ 270,214 $ 5,182 $ 150,208 $ 219,258 $ 374,648 Foreclosed assets — 9,259 79,736 88,995 — 16,678 81,208 97,886 Vehicle inventory — 354,411 — 354,411 — 342,617 — 342,617 LHFS (1) — — 1,024,296 1,024,296 — — 1,073,795 1,073,795 Auto loans impaired due to bankruptcy — 169,928 — 169,928 — 189,114 — 189,114 MSRs — — 9,061 9,061 — — 9,386 9,386 (1) These amounts include $1.0 billion and $1.1 billion of personal LHFS that were impaired as of March 31, 2019 and December 31, 2018 , respectively. NOTE 14. FAIR VALUE (continued) Valuation Processes and Techniques Impaired commercial LHFI in the table above represents the recorded investment of impaired commercial loans for which the Company measures impairment during the period based on the fair value of the underlying collateral supporting the loan. Written offers to purchase a specific impaired loan are considered observable market inputs, which are considered Level 1 inputs. Appraisals are obtained to support the fair value of the collateral and incorporate measures such as recent sales prices for comparable properties and are considered Level 2 inputs. Loans for which the value of the underlying collateral is determined using a combination of real estate appraisals, field examinations and internal calculations are classified as Level 3. The inputs in the internal calculations may 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 net carrying value of these loans was $254.7 million and $479.4 million at March 31, 2019 and December 31, 2018 , respectively. Loans previously impaired which were not marked to fair value during the periods presented are excluded from this table. Foreclosed assets represent the recorded investment in assets taken during the period presented in foreclosure of defaulted loans, and are primarily comprised of commercial and residential real properties and generally measured at fair value less costs to sell. The fair value of the real property is generally determined using appraisals or other indications of market value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace. The Company estimates the fair value of its vehicles, which are obtained either through repossession or lease termination, using historical auction rates and current market values of used cars. The Company's LHFS portfolios that are measured at fair value on a nonrecurring basis primarily consist of personal, commercial, and RICs LHFS. The estimated fair value of these LHFS is calculated based on a combination of estimated market rates for similar loans with similar credit risks and a DCF analysis in which the Company uses significant unobservable inputs on key assumptions, including historical default rates and adjustments to reflect voluntary prepayments, prepayment rates, discount rates reflective of the cost of funding, and credit loss expectations. The lower of cost or fair value adjustment for personal LHFS includes customer default activity and adjustments related to the net change in the portfolio balance during the reporting period. For loans that are considered collateral-dependent, such as certain bankruptcy loans, impairment is measured based on the fair value of the collateral less its estimated cost to sell. For the underlying collateral, the estimated fair value is obtained using historical auction rates and current market levels of used car prices. 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: Three-Month Period Ended March 31, (in thousands) Statement of Operations Location 2019 2018 Impaired LHFI Provision for credit losses $ (6,592 ) $ (29,312 ) Foreclosed assets Miscellaneous income, net (1) (2,252 ) (2,473 ) LHFS Provision for credit losses — (381 ) LHFS Miscellaneous income, net (1) (67,673 ) (70,490 ) Auto loans impaired due to bankruptcy Provision for credit losses (4,410 ) (82,145 ) MSRs Miscellaneous income, net (1) (173 ) (549 ) (1) Gains are disclosed as positive numbers while losses are shown as a negative number regardless of the line item being affected. NOTE 14. FAIR VALUE (continued) Level 3 Rollforward for Assets and Liabilities Measured at Fair Value on a Recurring Basis The tables below present the changes in Level 3 balances for the three-month periods ended March 31, 2019 and 2018 , respectively, for those assets and liabilities measured at fair value on a recurring basis. Three-Month Period Ended March 31, 2019 Three-Month Period Ended March 31, 2018 (in thousands) Investments RICs HFI MSRs Derivatives, net Total Investments RICs HFI MSRs Derivatives, net Total Balances, beginning of period $ 327,199 $ 126,312 $ 149,660 $ 1,866 $ 605,037 $ 350,252 $ 186,471 $ 145,993 $ 1,514 $ 684,230 Losses in OCI (672 ) — — — (672 ) (499 ) — — — (499 ) Gains/(losses) in earnings — 3,547 (9,246 ) (700 ) (6,399 ) — 5,276 15,043 134 20,453 Additions/Issuances — — 2,897 — 2,897 — 1,349 2,755 — 4,104 Settlements (1) (419 ) (15,050 ) (3,177 ) 86 (18,560 ) (1,119 ) (25,499 ) (3,661 ) 97 (30,182 ) Balances, end of period $ 326,108 $ 114,809 $ 140,134 $ 1,252 $ 582,303 $ 348,634 $ 167,597 $ 160,130 $ 1,745 $ 678,106 Changes in unrealized gains (losses) included in earnings related to balances still held at end of period $ — $ 3,547 $ (9,246 ) $ (999 ) $ (6,698 ) $ — $ 5,276 $ 15,043 $ (14 ) $ 20,305 (1) Settlements include charge-offs, prepayments, paydowns and maturities. The gains in earnings reported in the table above related to the RICs HFI for which the Company elected the FVO are driven by three primary factors: 1) the recognition of interest income, 2) recoveries of previously charged-off RICs, and 3) actual performance of the portfolio since the Change in Control. Recoveries from RICs that were charged off at the Change in Control date are a direct increase to the gain recognized within the portfolio. In accordance with ASC 805, Business Combinations , the Company did not ascribe a fair value to the portfolio of sub-prime charged-off RICs at the Change in Control date. Recoveries of previously charged off loans are usually recorded as a reduction to charge-offs in the period in which the recovery is made; however, in instances where the FVO is elected, it will flow through the fair value mark. At the Change in Control date, the UPB of the previously charged-off RIC portfolio was approximately $3.0 billion . Valuation Processes and Techniques - Recurring Fair Value Assets and Liabilities The following is a description of the valuation techniques used for instruments measured at fair value on a recurring basis: Debt Securities Classified as AFS and Trading Securities Debt securities accounted for at fair value include both the AFS and trading securities portfolios. The Company utilizes a third-party pricing service to value its investment securities portfolios on a global basis. Its primary pricing service has consistently proved to be a high quality third-party pricing provider. For those investments not valued by pricing vendors, other trusted market sources are utilized. 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. The classification of securities within the fair value hierarchy is based upon the activity level in the market for the security type and the observability of the inputs used to determine their fair values. Trading securities and certain of the Company's U.S. Treasury securities are valued utilizing observable market quotes. The Company obtains vendor trading platform data (actual prices) from a number of live data sources, including active market makers and interdealer brokers. These certain investment securities are, therefore, classified as Level 1. Actively traded quoted market prices for the majority of the debt securities AFS, such as U.S. Treasury and government agency securities, corporate debt, state and municipal securities, and MBS, 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. These investment securities are priced by third-party pricing vendors. The third-party vendors use a variety of methods when pricing these securities that incorporate relevant observable market data to arrive at an estimate of what a buyer in the marketplace would pay for a security under current market conditions. These investment securities are, therefore, considered Level 2. NOTE 14. FAIR VALUE (continued) Certain ABS are valued using DCF models. The DCF models are obtained from a third-party pricing vendor who uses observable market data and therefore are classified as Level 2. Other ABS that could not be valued using a third-party pricing service are valued using an internally-developed DCF model. When estimating the fair value using this 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. Realized gains and losses on investments in debt securities are recognized in the Consolidated Statements of Operations through Net (loss) on sale of investment securities . RICs HFI For certain RICs HFI, the Company has elected the FVO. The fair values of RICs are estimated using the DCF model. In estimating the fair value using this model, the Company uses significant unobservable inputs on key assumptions, which includes historical default rates and adjustments to reflect voluntary prepayments, prepayment rates based on available data from a comparable market securitization of similar assets, discount rates reflective of the cost of funding debt issuances and recent historical equity yields, recovery rates based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. Accordingly, RICs HFI for which the Company has elected the FVO are classified as Level 3. LHFS The Company's LHFS portfolios that are measured at fair value on a recurring basis consist primarily of residential mortgage LHFS. The fair values of LHFS are estimated using published forward agency prices to agency buyers such as FNMA and FHLMC. The majority of the residential mortgage 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 as well as the specific characteristics of certain loans that are priced based on the pricing of similar loans. These adjustments represent unobservable inputs to the valuation, and are not 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. Gains and losses on residential mortgage LHFS are recognized in the Condensed Consolidated Statements of Operations through Miscellaneous income, net. See further discussion below in the section captioned "FVO for Financial Assets and Financial Liabilities." MSRs 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 include 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 MSRs 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 Miscellaneous income, net. 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 $5.2 million and $10.1 million , respectively, at March 31, 2019 . • A 10% and 20% increase in the discount rate would decrease the fair value of the residential servicing asset by $4.9 million and $9.6 million , respectively, at March 31, 2019 . NOTE 14. FAIR VALUE (continued) Significant increases/(decreases) in any of those inputs in isolation would result in significantly (lower)/higher fair value measurements, respectively. 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 commonly accepted valuation techniques, including DCF 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 the Company would receive or pay to terminate the contract or agreement, 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 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 and total return settlement derivative contracts. The DCF model is utilized to determine the fair value of the mortgage banking derivatives-interest rate lock commitments and the total return settlement derivative contracts. The significant unobservable inputs for mortgage banking derivatives used in the fair value measurement of the Company'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. The significant unobservable inputs for total return settlement derivative contracts used in the fair value measurement of the Company's liabilities are discount percentages, which are based on comparable financial instruments. Significant increases (decreases) in any of these inputs in isolation would result in significantly higher (lower) fair value measurements. 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 12 for a discussion of derivatives activity. NOTE 14. FAIR VALUE (continued) Level 3 Inputs - Significant Recurring and Nonrecurring Fair Value Assets and Liabilities The following table presents quantitative information about the significant unobservable inputs within significant Level 3 recurring and nonrecurring assets and liabilities at March 31, 2019 and December 31, 2018 , respectively: (dollars in thousands) Fair Value at March 31, 2019 Valuation Technique Unobservable Inputs Range Financial Assets: ABS Financing bonds $ 302,489 DCF Discount Rate (1) 2.29% - 2.61% (2.56%) Sale-leaseback securities 23,619 Consensus Pricing (2) Offered quotes (3) 109.22 % RICs HFI 114,809 DCF CPR (4) 6.66 % Discount Rate (5) 9.50% - 14.50% (12.64%) Recovery Rate (6) 25.00% - 43.00% (41.53%) Personal LHFS (10) 974,017 Lower of Market or Income Approach Market Participant View 70.00% - 80.00% Discount Rate 15.00% - 25.00% Default Rate 30.00% - 40.00% Net Principal & Interest Payment Rate 70.00% - 85.00% Loss Severity Rate 90.00% - 95.00% MSRs (9) 140,134 DCF CPR (7) 6.77% - 100.00% (10.08%) Discount Rate (8) 9.71 % (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-leaseback securities, the Company owns one security. (4) Based on the analysis of available data from a comparable market securitization of similar assets. (5) Based on the cost of funding of debt issuance and recent historical equity yields. (6) Based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. (7) Average CPR projected from collateral stratified by loan type and note rate. (8) Average discount rate from collateral stratified by loan type and note rate. (9) Excludes MSR valued on a non-recurring basis for which we do not consider there to be significant unobservable assumptions. (10) Excludes non-significant Level 3 LHFS portfolios. (dollars in thousands) Fair Value at December 31, 2018 Valuation Technique Unobservable Inputs Range Financial Assets: ABS Financing bonds $ 303,224 DCF Discount Rate (1) 2.68% - 2.73% (2.69%) Sale-leaseback securities 23,975 Consensus Pricing (2) Offered Quotes (3) 110.28 % RICs HFI 126,312 DCF CPR (4) 6.66 % Discount Rate (5) 9.50% - 14.50% (12.55%) Recovery Rate (6) 25.00% - 43.00% (41.6%) Personal LHFS (10) 1,068,757 Lower of Market or Income Approach Market Participant View 70.00% - 80.00% Discount Rate 15.00% - 25.00% Default Rate 30.00% - 40.00% Net Principal & Interest Payment Rate 70.00% - 85.00% Loss Severity Rate 90.00% - 95.00% MSRs (9) 149,660 DCF CPR (7) 7.06% - 100.00% (9.22%) Discount Rate (8) 9.71 % (1), (2), (3), (4), (5), (6), (7), (8), (9), (10) - See corresponding footnotes to the March 31, 2019 Level 3 Significant Inputs table above. NOTE 14. FAIR VALUE (continued) Fair Value of Financial Instruments The carrying amounts and estimated fair values, as well as the level within the fair value hierarchy, of the Company's financial instruments are as follows: March 31, 2019 December 31, 2018 (in thousands) Carrying Value Fair Value Level 1 Level 2 Level 3 Carrying Value Fair Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 7,564,183 $ 7,564,183 $ 7,564,183 $ — $ — $ 7,790,593 $ 7,790,593 $ 7,790,593 $ — $ — Investment in debt securities AFS 11,469,199 11,469,199 — 11,143,091 326,108 11,632,987 11,632,987 526,364 10,779,424 327,199 Investment in debt securities HTM 2,711,701 2,674,628 — 2,674,628 — 2,750,680 2,676,049 — 2,676,049 — Other investments - trading securities 6,228 6,228 3,426 2,802 — 10 10 4 6 — LHFI, net 85,361,165 85,359,384 13,105 43,538 85,302,741 83,148,738 83,415,697 5,182 150,208 83,260,307 LHFS 1,212,578 1,212,646 — 188,282 1,024,364 1,283,278 1,283,301 — 209,506 1,073,795 Restricted cash 3,268,581 3,268,581 3,268,581 — — 2,931,711 2,931,711 2,931,711 — — MSRs (1) 142,422 149,195 — — 149,195 152,121 159,046 — — 159,046 Derivatives 514,977 514,977 — 511,901 3,076 518,485 518,485 — 515,781 2,704 Financial liabilities: Deposits 62,946,844 62,925,824 54,582,620 8,343,204 — 61,511,380 61,456,268 54,039,848 7,416,420 — Borrowings and other debt obligations 45,647,858 45,957,959 — 31,939,247 14,018,712 44,953,784 45,083,518 — 31,494,126 13,589,392 Derivatives 478,391 478,391 — 476,567 1,824 497,431 497,431 — 496,593 838 (1) The Company has elected to account for the majority of its MSR balance using the FVO, while the remainder of the MSRs are accounted for using the lower of cost or fair value. 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 do they reflect potential taxes and the expenses that would be incurred in an actual sale or settlement. Accordingly, the aggregate fair value amounts presente

NON-INTEREST INCOME AND OTHER E

NON-INTEREST INCOME AND OTHER EXPENSES	3 Months Ended
	Mar. 31, 2019
Revenue from Contract with Customer [Abstract]
NON-INTEREST INCOME AND OTHER EXPENSES	NON-INTEREST INCOME AND OTHER EXPENSES The following table presents the details of the Company's Non-interest income for the following periods: Three-Month Period Ended March 31, (in thousands) 2019 2018 Non-interest income: Consumer and commercial fees $ 133,018 $ 138,561 Lease income 674,885 540,896 Miscellaneous income, net Mortgage banking income, net 8,815 16,345 BOLI 14,317 14,568 Capital market revenue 49,522 56,613 Net gain on sale of operating leases 24,011 53,200 Asset and wealth management fees 43,048 43,337 Loss on sale of non-mortgage loans (67,457 ) (43,910 ) Other miscellaneous income, net 17,287 (17,747 ) Net losses on sale of investment securities (2,000 ) (663 ) Total Non-interest income $ 895,446 $ 801,200 NOTE 15. NON-INTEREST INCOME AND OTHER EXPENSES (continued) Disaggregation of Revenue from Contracts with Customers Beginning January 1, 2018, the Company adopted the new accounting standard, "Revenue from Contracts with Customers", which requires the Company to disclose a disaggregation of revenue from contracts with customers that falls within the scope of this new accounting standard. The scope of the guidance explicitly excludes net interest income as well as many other revenues for financial assets and liabilities including loans, leases, securities, and derivatives. Therefore, the Company has evaluated the revenue streams within our Non-interest income line items to determine whether they are in-scope or out-of-scope. The following table presents the Company's Non-interest income disaggregated by revenue source: Three-Month Period Ended March 31, (in thousands) 2019 2018 Non-interest income: In-scope of revenue from contracts with customers: Depository services (1) $ 56,167 $ 58,346 Commission and trailer fees (2) 38,649 29,450 Interchange income, net (2) 15,112 13,473 Underwriting service fees (2) 23,543 24,504 Asset and wealth management fees (2) 36,920 38,203 Other revenue from contracts with customers (2) 8,484 10,002 Total In-scope of revenue from contracts with customers 178,875 173,978 Out-of-scope of revenue from contracts with customers: Consumer and commercial fees (3) 65,746 73,204 Lease income 674,885 540,896 Miscellaneous income/(loss) (3) (22,060 ) 13,785 Net losses on sale of investment securities (2,000 ) (663 ) Total Out-of-scope of revenue from contracts with customers 716,571 627,222 Total Non-interest income $ 895,446 $ 801,200 (1) Primarily recorded in the Company's Condensed Consolidated Statements of Operations within Consumer and commercial fees . (2) Primarily recorded in the Company's Condensed Consolidated Statements of Operations within Miscellaneous income, net. (3) The balance presented excludes certain revenue streams that are considered in-scope and presented above. Arrangements with Multiple Performance Obligations Our contracts with customers may include multiple performance obligations. For such arrangements, we allocate revenue to each performance obligation based on its relative standalone selling price. We generally determine standalone selling prices based on the prices charged to customers or using expected cost plus margin. Practical Expedients In instances where incremental costs, such as commission expenses, are incurred and the period of benefit is equal to or less than one year, the Company has elected to apply the practical expedient where the Company expenses such amounts as incurred. These costs are recorded within Compensation and benefits within the Condensed Consolidated Statements of Operations. In instances where contracts with customers contain a financing component and the Company expects the customer to pay for the goods or services within one year or less, the Company has elected to apply the practical expedient where the Company does not adjust the contracted amount of consideration for the effects of financing components. The Company does not disclose the value of unsatisfied performance obligations for (i) contracts with an original expected length of one year or less or (ii) contracts for which we recognize revenue at the amount to which we have the right to invoice for services performed. As a result of the practical expedient and for the Company's material revenue streams, there are no unperformed performance obligations. As a result of the practical expedient and the Company's revenue recognition for contracts with customers, there are no material contract assets or liabilities. NOTE 15. NON-INTEREST INCOME AND OTHER EXPENSES (continued) Other Expenses The following table presents the Company's other expenses for the following periods: Three-Month Period Ended March 31, (in thousands) 2019 2018 Other expenses: Amortization of intangibles $ 14,766 $ 15,288 Deposit insurance premiums and other expenses (1) 31,737 16,761 Loss on debt extinguishment 18 2,212 Other administrative expenses 135,883 103,555 Other miscellaneous expenses 3,327 1,437 Total Other expenses $ 185,731 $ 139,253 (1) The three-month period ended March 31, 2019 includes $25.3 million of FDIC insurance premiums that relates to periods from the first quarter of 2015 through the fourth quarter of 2018. The Company has concluded that the out-of-period correction is immaterial to all impacted periods.

COMMITMENTS, CONTINGENCIES AND

COMMITMENTS, CONTINGENCIES AND GUARANTEES	3 Months Ended
	Mar. 31, 2019
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 s. 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 12 to these Condensed Consolidated Financial Statements for discussion of all derivative contract commitments. The following table details the amount of commitments at the dates indicated: Other Commitments March 31, 2019 December 31, 2018 (in thousands) Commitments to extend credit $ 30,369,313 $ 30,269,311 Letters of credit 1,334,250 1,488,714 Unsecured revolving lines of credit 28,404 28,145 Recourse exposure on sold loans 49,945 49,733 Commitments to sell loans 363 875 Total commitments $ 31,782,275 $ 31,836,778 Commitments to Extend Credit Commitments to extend credit generally have fixed expiration dates, are variable rate, and contain provisions 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. NOTE 16. COMMITMENTS, CONTINGENCIES AND GUARANTEES (continued) Included within the reported balances for Commitments to extend credit at March 31, 2019 and December 31, 2018 are $5.6 billion and $5.7 billion , respectively, of commitments that can be canceled by the Company without notice. 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 at March 31, 2019 was 15.8 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 requested 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 for these letters of credit, including real estate assets and other customer business assets. The maximum undiscounted exposure related to these commitments at March 31, 2019 was $1.3 billion . The fees related to letters of credit are deferred and amortized over the life of the respective commitments, and were immaterial to the Company’s financial statements at March 31, 2019 . Management believes that the utilization rate of these letters of credit will continue to be substantially less than the amount of the commitments, as has been the Company’s experience to date. As of March 31, 2019 and December 31, 2018 , the liability related to these letters of credit was $3.8 million and $4.6 million , respectively, which is recorded within the reserve for unfunded lending commitments in Other liabilities on the Condensed Consolidated Balance Sheets . 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, 2019 and December 31, 2018 was the liability related to lines of credit outstanding of $86.7 million and $88.7 million , respectively. Unsecured Revolving Lines of Credit Such commitments arise primarily from agreements with customers for unused lines of credit on unsecured revolving accounts and 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 reviewed periodically based on account usage, customer creditworthiness and loan qualifications. 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 multifamily sales program with FNMA, the Company retained a portion of the associated credit risk. 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 . SC Commitments The following table summarizes liabilities recorded for commitments and contingencies as of March 31, 2019 and 2018, all of which are included in Accounts payable and accrued expenses in the accompanying Condensed Consolidated Balance Sheet s: Agreement or Legal Matter Commitment or Contingency March 31, 2019 December 31, 2018 (in thousands) Chrysler Agreement Revenue-sharing and gain-sharing payments $ 13,254 $ 7,001 Agreement with Bank of America Servicer performance fee 5,980 6,353 Agreement with Citizens Bank of Philadelphia (CBP") Loss-sharing payments 3,340 3,708 Other contingencies Consumer arrangements 2,999 2,138 Following is a description of the agreements pursuant to which the liabilities in the preceding table were recorded. NOTE 16. COMMITMENTS, CONTINGENCIES AND GUARANTEES (continued) Chrysler Agreement Under terms of the Chrysler Agreement, SC must make revenue sharing payments to FCA and also must make gain-sharing payments to FCA when residual gains on leased vehicles exceed a specified threshold. The Chrysler Agreement requires, among other things, that SC bears the risk of loss on loans originated pursuant to the agreement, but also that FCA shares in any residual gains and losses from consumer leases. The Chrysler Agreement also requires that SC maintains at least $5.0 billion in funding available for floor plan loans and $4.5 billion of financing dedicated to FCA retail financing. In turn, FCA must provide designated minimum threshold percentages of its subvention business to SC. The Chrysler Agreement is subject to early termination in certain circumstances, including the failure by either party to comply with certain of its ongoing obligations under the Chrysler Agreement. These obligations include SC's meeting specified escalating penetration rates for the first five years of the agreement. SC did not meet these penetration rates. Also, FCA has the option to acquire, for fair market value, an equity participation in the business offering and providing the financial services contemplated by the Chrysler Agreement. If FCA exercises its equity option, the Chrysler Agreement were to terminate or SC otherwise is unable to realize the expected benefits of its relationship with FCA, there could be a materially adverse impact to the Company's and SC's business, financial condition, results of operations, profitability, loan and lease volume, the credit quality of its portfolio, liquidity, funding and growth, and the Company's or SC's ability to implement its business strategy could be materially adversely affected. Agreement with Bank of America Until January 31, 2017, SC had a flow agreement with Bank of America whereby SC was committed to sell up to $300.0 million of eligible loans to the bank each month. SC retains servicing on all sold loans and may receive or pay a servicer performance payment based on an agreed-upon formula if performance on the sold loans is better or worse, respectively, than expected performance at the time of sale. Servicer performance payments are due six years from the cut-off date of each loan sale. Agreement with CBP Until May 1, 2017, SC sold loans to CBP under terms of a flow agreement and predecessor sale agreements. SC retains servicing on the sold loans and will owe CBP a loss-sharing payment capped at 0.5% of the original pool balance if losses exceed a specified threshold, established on a pool-by-pool basis. Loss-sharing payments are due the month in which net losses exceed the established threshold of each loan sale. Other Contingencies SC is or may be subject to potential liability under various other contingent exposures. SC had accrued $3.0 million and $2.1 million at March 31, 2019 and December 31, 2018 , respectively, for other miscellaneous contingencies. Agreements Bluestem SC is party to agreements with Bluestem whereby SC is committed to purchase certain new advances on personal revolving financings receivables, along with existing balances on accounts with new advances, originated by Bluestem for an initial term ending in April 2020 and renewing through April 2022 at Bluestem's option. As of March 31, 2019 and December 31, 2018, the total unused credit available to customers was $2.8 billion and $3.1 billion , respectively. In 2019, SC purchased $300.0 million of receivables, out of the $3.1 billion unused credit available to customers as of December 31, 2018. In 2018, SC purchased $1.2 billion of receivables out of the $3.9 billion unused credit available to customers as of December 31, 2017. In addition, SC purchased $24.2 million of receivables related to newly-opened customer accounts during the three months ended March 31, 2019. Each customer account generated under the agreements generally is approved with a credit limit higher than the amount of the initial purchase, with each subsequent purchase automatically approved as long as it does not cause the account to exceed its limit and the customer is in good standing. As of March 31, 2019 and December 31, 2018, SC was obligated to purchase $9.2 million and $15.4 million , respectively, in receivables that had been originated by Bluestem but not yet purchased by SC. SC also is required to make a profit-sharing payment to Bluestem each month if performance exceeds a specified return threshold. The agreement, among other provisions, gives Bluestem the right to repurchase up to 9.99% of the existing portfolio at any time during the term of the agreement and, provides that if the repurchase right is exercised, Bluestem has the right to retain up to 20% of new accounts subsequently originated. NOTE 16. COMMITMENTS, CONTINGENCIES AND GUARANTEES (continued) Others Under terms of an application transfer agreement with Nissan, SC has the first opportunity to review for its own portfolio any credit applications turned down by Nissan’s captive finance company. The agreement does not require SC to originate any loans, but for each loan originated SC will pay Nissan a referral fee. In connection with the sale of RICs through securitizations and other sales, SC has made standard representations and warranties customary to the consumer finance industry. Violations of these representations and warranties may require SC to repurchase loans previously sold to on- or off-balance sheet Trusts or other third parties. As of March 31, 2019, there were no loans that were the subject of a demand to repurchase or replace for breach of representations and warranties for SC's ABS or other sales. In the opinion of management, the potential exposure of other recourse obligations related to SC’s RICs sale agreements is not expected to have a material adverse effect on the Company's or SC’s consolidated financial position, results of operations, or cash flows. Santander has provided guarantees on the covenants, agreements, and obligations of SC under the governing documents of its warehouse facilities and privately issued amortizing notes. These guarantees are limited to the obligations of SC as servicer. In November 2015, SC executed a forward flow agreement with a third party under the terms of which SC is committed to sell $350.0 million charged-off loan receivables in bankruptcy status on a quarterly basis. However, any sale of more than $275.0 million is subject to a market price check. The remaining aggregate commitments as of March 31, 2019 and December 31, 2018 , not subject to a market price check were $52.2 million and $64.0 million , respectively. 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 that include items such as indemnifications provided in the ordinary course of business and intercompany guarantees. Legal and Regulatory Proceedings Periodically, the Company is party to, or otherwise involved in, various lawsuits, investigations, regulatory matters and other legal proceedings that arise in the ordinary course of business. In view of the inherent difficulty of predicting the outcome of any such lawsuit, investigation, regulatory matter and/or legal proceeding, 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 matters. Accordingly, except as provided below, the Company is unable to reasonably estimate a range of its potential exposure, if any, to these lawsuits, investigations, regulatory matters and other legal proceedings at this time. However, it is reasonably possible that actual outcomes or losses may differ materially from the Company's current assessments and estimates, and any adverse resolution of any of these matters against it could have a material adverse effect on the Company's financial position, liquidity, and results of operations. In accordance with applicable accounting guidance, the Company establishes an accrued liability for litigation, investigation, regulatory matters and other legal proceedings when those matters present material 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, investigation 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 material loss contingency that is probable and estimable. If a determination is made during a given quarter that a material loss contingency is probable and estimable, an accrued liability is established during such quarter with respect to such loss contingency, and the Company continues to monitor the matter for further developments that could affect the amount of the accrued liability previously established. As of March 31, 2019 and December 31, 2018 , the Company accrued aggregate legal and regulatory liabilities of $250.7 million and $215.2 million , respectively. Further, the Company estimates the aggregate range of reasonably possible losses for legal and regulatory proceedings in excess of reserves of up to $249 million and $286 million as of March 31, 2019 and December 31, 2018 , respectively. Set forth below are descriptions of the material lawsuits, regulatory matters and other legal proceedings to which the Company is subject. NOTE 16. COMMITMENTS, CONTINGENCIES AND GUARANTEES (continued) SHUSA Matters On March 21, 2017, SC and SHUSA entered into a written agreement with the FRB of Boston. Under the terms of that agreement, SC is required to enhance its compliance risk management program, board oversight of risk management and senior management oversight of risk management, and SHUSA is required to enhance its oversight of SC's management and operations. SC Matters Securities Class Action and Shareholder Derivative Lawsuits Deka Lawsuit: SC is a defendant in a purported securities class action lawsuit (the "Deka Lawsuit") in the United States District Court, Northern District of Texas, captioned Deka Investment GmbH et al. v. Santander Consumer USA Holdings Inc. et al., No. 3:15-cv-2129-K. The Deka Lawsuit, which was filed in August 26, 2014, was brought against SC, certain of its current and former directors and executive officers and certain institutions that served as underwriters in SC's initial public offering (the "IPO"), including SIS, on behalf of a class consisting of those who purchased or otherwise acquired SC securities between January 23, 2014 and June 12, 2014. The complaint alleges, among other things, that the IPO registration statement and prospectus and certain subsequent public disclosures violated federal securities laws by containing misleading statements concerning SC’s ability to pay dividends and the adequacy of SC’s compliance systems and oversight. In December 2015, SC and the individual defendants moved to dismiss the lawsuit, which was denied. In December 2016, the plaintiffs moved to certify the proposed classes. In July 2017, the court entered an order staying the Deka Lawsuit pending the resolution of the appeal of a class certification order in In re Cobalt Int’l Energy, Inc. Sec. Litig., No. H-14-3428, 2017 U.S. Dist. LEXIS 91938 (S.D. Tex. June 15, 2017). In October 2018, the court vacated the order staying the Deka Lawsuit but ordered that merits discovery be stayed until the court ruled on the issue of class certification. Feldman Lawsuit: In October 2015, a shareholder derivative complaint was filed in the Court of Chancery of the State of Delaware, captioned Feldman v. Jason A. Kulas, et al., C.A. No. 11614 (the "Feldman Lawsuit"). The Feldman Lawsuit names as defendants, certain of its current and former members of SC’s Board of Directors, and names SC as a nominal defendant. The complaint alleges, among other things, that the current and former director defendants breached their fiduciary duties in connection with overseeing SC’s nonprime auto lending practices, resulting in harm to SC. The complaint seeks unspecified damages and equitable relief. In December 2015, the Feldman Lawsuit was stayed pending the resolution of the Deka Lawsuit. Parmelee Lawsuits: SC is a defendant in two purported securities class action lawsuits filed in March and April 2016 in the United States District Court, Northern District of Texas. The lawsuits were consolidated and are now captioned Parmelee v. Santander Consumer USA Holdings Inc. et al., No. 3:16-cv-783. The lawsuits were filed against SC and certain of its current and former directors and executive officers on behalf of a class consisting of all those who purchased or otherwise acquired SC securities between February 3, 2015 and March 15, 2016. The complaint alleges that SC violated federal securities laws by making false or misleading statements, as well as failing to disclose material adverse facts, in its periodic reports filed under the Securities Exchange Act of 1934, as amended (the "Exchange Act") and certain other public disclosures, in connection with, among other things, SC’s change in its methodology for estimating its ACL and the correction of such ACL for prior periods. In March 2017, the company filed a motion to dismiss the lawsuit. In January 2018, the court granted SC’s motion as to defendant Ismail Dawood (SC’s former Chief Financial Officer) and denied the motion as to all other defendants. In July 2018, the lead plaintiffs filed an unopposed motion for preliminary approval of a class action settlement of the lawsuit for a cash payment of $9.5 million . In September 2018, the court entered an order granting the motion for preliminary approval of the settlement of the lawsuit. A final settlement approval hearing is scheduled for May 2019. Jackie888 Lawsuit: In September 2016, a shareholder derivative complaint was filed in the Court of Chancery of the State of Delaware captioned Jackie888, Inc. v. Jason Kulas, et al., C.A. # 12775 (the "Jackie888 Lawsuit"). The Jackie888 Lawsuit names as defendants current and former members of SC’s Board of Directors, and names SC as a nominal defendant. The complaint alleges, among other things, that the defendants breached their fiduciary duties in connection with SC’s accounting practices and controls. The complaint seeks unspecified damages and equitable relief. In April 2017, the Jackie888 Lawsuit was stayed pending the resolution of the Deka Lawsuit. Consumer Lending Cases SC is also party to various lawsuits pending in federal and state courts alleging violations of state and federal consumer lending laws, including, without limitation, the Equal Credit Opportunity Act (the “ECOA”), the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Section 5 of the Federal Trade Commission Act, the Telephone Consumer Protection Act, the Truth in Lending Act, wrongful repossession laws, usury laws and laws related to unfair and deceptive acts or practices. In general, these cases seek damages and equitable and/or other relief. NOTE 16. COMMITMENTS, CONTINGENCIES AND GUARANTEES (continued) Regulatory Investigations and Proceedings SC is party to, or is periodically otherwise involved in, reviews, investigations, examinations and proceedings (both formal and informal), and information-gathering requests, by government and self-regulatory agencies, including the FRB of Boston, the CFPB, the Department of Justice (the “DOJ”), the SEC, the Federal Trade Commission and various state regulatory and enforcement agencies. Currently, such matters include, but are not limited to, the following: • SC received a civil subpoena from the DOJ under Financial Institutions Reform, Recovery and Enforcement Act requesting the production of documents and communications that, among other things, relate to the underwriting and securitization of nonprime vehicle loans. SC has responded to these requests within the deadlines specified in the subpoenas and has otherwise cooperated with the DOJ with respect to this matter. • In October 2014, SC received a subpoena from the SEC commencing an investigation into SC’s securitization practices. In June 2016, the SEC served an additional subpoena on SC requesting documents related to SC’s securitization practices as well as SC’s financial restatements. SC produced documents responsive to these subpoenas, and the SEC has taken testimony from certain of SC’s employees. In December 2018, the SEC and SC reached a voluntary agreement to settle the SEC's investigation under which the SEC entered a cease-and-desist order against SC in an administrative matter captioned In the Matter of Santander Consumer USA Holdings Inc., File No. 3-18932. SC paid a civil penalty of $1.5 million in January 2019 and agreed to cease and desist from any future violations of the Exchange Act and the rules thereunder. • In October 2014, May 2015, July 2015 and February 2017, SC received subpoenas and/or civil investigative demands ("CIDs") from the Attorneys General of California, Illinois, Oregon, New Jersey, Maryland and Washington under the authority of each state's consumer protection statutes. SC has been informed that these states will serve as an executive committee on behalf of a group of 32 state Attorneys General (and the District of Columbia). The subpoenas and/or CIDs from the executive committee states contain broad requests for information and the production of documents related to SC’s underwriting, securitization, servicing and collection of nonprime vehicle loans. SC has responded to these requests within the deadlines specified in the subpoenas and/or CIDs, and has otherwise cooperated with the Attorneys General with respect to this matter. • In August 2017, SC received a CID from the CFPB. The stated purpose of the CID was to determine whether SC has complied with the Fair Credit Reporting Act and related regulations. SC has responded to these requests within the deadlines specified in the CID and has otherwise cooperated with the CFPB with respect to this matter. Mississippi Attorney General Lawsuit In January 2017, the Attorney General of the State of Mississippi (the "Mississippi AG") filed a lawsuit against SC in the Chancery Court of the First Judicial District of Hinds County, State of Mississippi, captioned State of Mississippi ex rel. Jim Hood, Attorney General of the State of Mississippi v. Santander Consumer USA Inc., C.A. # G-2017-28. The complaint alleges that SC engaged in unfair and deceptive business practices to induce Mississippi consumers to apply for loans that they could not afford. The complaint asserts claims under the Mississippi Consumer Protection Act (the "MCPA") and seeks unspecified civil penalties, equitable relief and other relief. In March 2017, SC filed motions to dismiss the lawsuit and the parties are proceeding with discovery. Servicemembers’ Civil Relief Act (“SCRA ” ) Consent Order In February 2015, SC entered into a consent order with the DOJ, approved by the United States District Court for the Northern District of Texas, which resolves the DOJ's claims against SC that certain of its repossession and collection activities during the period between January 2008 and February 2013 violated the SCRA. The consent order requires SC to pay a civil fine in the amount of $55,000 , as well as at least $9.4 million to affected servicemembers consisting of $10,000 per servicemember plus compensation for any lost equity (with interest) for each repossession by SC, and $5,000 per servicemember for each instance where SC sought to collect repossession-related fees on accounts where a repossession was conducted by a prior account holder. The consent order also provides for monitoring by the DOJ of SC’s SCRA compliance for a period of five years and requires SC to undertake certain additional remedial measures. IHC Matters Periodically, SSLLC is party to pending and threatened legal actions and proceedings, including Financial Industry Regulatory Authority (“FINRA”) arbitration actions and class action claims. NOTE 16. COMMITMENTS, CONTINGENCIES AND GUARANTEES (continued) Puerto Rico FINRA Arbitrations As of March 31, 2019 , SSLLC had received 623 FINRA arbitration cases related to Puerto Rico bonds and Puerto Rico closed-end funds ("CEFs"). Most of these cases are based upon concerns regarding the local Puerto Rico securities market. The statements of claims allege, among other things, fraud, negligence, breach of fiduciary duty, breach of contract, unsuitability, over-concentration and failure to supervise. There were 425 arbitration cases that remained pending as of March 31, 2019 . As a result of Hurricane Maria impacting the Puerto Rico market including declines in Puerto Rico bond and CEF prices and attorney advertisements encouraging customers to file claims, it is possible that additional arbitration claims and/or increased claim amounts may be asserted in future periods. Puerto Rico Class Actions SSLLC, Santander BanCorp, BSPR, the Company and Santander are defendants in a putative class action alleging federal securities and common law claims relating to the solicitation and purchase of more than $180.0 million of Puerto Rico bonds and $101.0 million of CEFs during the period from December 2012 to October 2013. The case is pending in the United States District Court for the District of Puerto Rico and is captioned Jorge Ponsa-Rabell, et. al. v. SSLLC, Civ. No. 3:17-cv-02243. The amended complaint alleges that defendants acted in concert to defraud purchasers in connection with the underwriting and sale of Puerto Rico municipal bonds, CEFs and open-end funds. Mexican Government Bonds Consolidated Purported Antitrust Class Action : A consolidated purported antitrust class action is pending in the United States District Court, Southern District of New York, captioned In re Mexican Government Bonds Antitrust Litigation, No. 1:18-cv-02830-JPO (the “MGB Lawsuit”). The MGB Lawsuit is against the Company, SIS, Santander, Banco Santander (Mexico), S.A. Institucion de Banca Multiple, Grupo Financiero Santander and Santander Investment Bolsa, Sociedad de Valores, S.A. on behalf of a class of persons who entered into Mexican government bond (“MGB”) transactions between January 1, 2006 and April 19, 2017, where such persons were either domiciled in the United States or, if domiciled outside the United States, transacted in the United States. The complaint alleges, among other things, that the Santander defendants and the other defendants violated U.S. antitrust laws by conspiring to rig auctions and/or fix prices of MGBs. On September 17, 2018, the defendants filed motions to dismiss the consolidated complaint. These matters are ongoing and could in the future result in the imposition of damages, fines or other penalties. No assurance can be given that the ultimate outcome of these matters or any resulting proceedings would not materially and adversely affect the Company's business, financial condition and results of operations.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	3 Months Ended
	Mar. 31, 2019
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 11 to the Consolidated Financial Statements of the Company's Annual Report on Form 10-K for the year ended December 31, 2018 . 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. Contributions from Santander that impact common stock and paid-in capital within the Condensed Consolidated Statements of Stockholder's Equity are disclosed within the table below: Three-Month Period Ended March 31, (in thousands) 2019 2018 Cash contribution $ 34,331 $ 5,741 Adjustment to book value of assets purchased on January 1 — 277 Deferred tax asset on purchased assets — 3,156 Contribution from shareholder $ 34,331 $ 9,174 NOTE 17. RELATED PARTY TRANSACTIONS (continued) On January 1, 2018, the Company purchased certain assets and assumed certain liabilities of Produban Servicios Informaticos Generales S.L. and Ingenieria De Software Bancario S.L., both affiliates of Santander. The book value and fair value of the net assets acquired was $2.8 million and $15.3 million respectively. Related to this transaction, in 2017, the Company received a net capital contribution from Santander of $2.8 million , representing cash received of $15.3 million and a return of capital of $12.5 million for the difference between the fair value of the assets purchased and the book value on the balance sheets of the affiliates. The Company re-evaluated the assets received on January 1, 2018 and recorded an additional $0.3 million to additional paid-in capital. The Company contributed these assets at book value of $3.1 million to SBNA, a subsidiary of the Company, on January 1, 2018. During the first quarter of 2018, the Company recorded a $3.2 million deferred tax asset on the assets purchased by the Company to establish the intangible under Section 197 of the Internal Revenue Code. During the first quarter of 2019, the Company received a $34.3 million capital contribution from Santander. On March 29, 2017, SC entered into a Master Securities Purchase Agreement ("MSPA") with Santander, under which it has the option to sell a contractually determined amount of eligible prime loans to Santander through the SPAIN trust securitization platform, for a term that ended in December 2018. SC provides servicing on all loans originated under this arrangement. For the three-month period ended March 31, 2019 and March 31, 2018 , the Company sold zero and $1.5 billion of loans at fair value under this MSPA. Servicing fee income of $8.4 million and $4.8 million was recognized in the Condensed Consolidated Statements of Operations for the three-month period ended March 31, 2019 and March 31, 2018 respectively. SC had $15.8 million and $16.0 million of collections due to Santander as of March 31, 2019 and December 31, 2018 , respectively. Beginning in 2018, SC agreed to provide SBNA with origination support services in connection with the processing, underwriting, and purchase of RICs, primarily from Chrysler dealers. In addition, SC agreed to perform the servicing for any RICs originated on SBNA's behalf.

BUSINESS SEGMENT INFORMATION

BUSINESS SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2019
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 Company serves. During the fourth quarter of 2018, the CODM drove a reorganization of the Company's business leadership to better align the teams with how the CODM allocates resources and assesses business performance. Changes were made to the internal management reporting in 2019 and, accordingly, beginning in the first quarter of 2019, the prior Commercial Banking segment is now reported as two separate reportable segments: C&I and CRE & VF. All prior period results have been recast to conform to the new composition of reportable segments. The Company has identified the following reportable segments: • The Consumer and Business Banking segment includes the products and services provided to Bank consumer and business banking customers, including consumer deposit, business banking, residential mortgage, unsecured lending and investment services. This segment offers a wide range of products and services to consumers and business banking customers, including demand and interest-bearing demand deposit accounts, money market and savings accounts, CDs and retirement savings products. It also offers lending products such as credit cards, mortgages, home equity lines of credit, and business loans such as business lines of credit and commercial cards. In addition, the Bank provides investment services to its retail customers, including annuities, mutual funds, and insurance products. Santander Universities, which provides grants and scholarships to universities and colleges as a way to foster education through research, innovation and entrepreneurship, is the last component of this segment. • The C&I segment currently provides commercial lines, loans, letters of credit, receivables financing and deposits to medium- and large-sized commercial customers, as well as financing and deposits for government entities. This segment also provides niche product financing for specific industries. • The CRE & VF segment offers CRE loans and multifamily loans to customers. This segment also offers commercial loans to dealers and financing for commercial equipment and vehicles. • The CIB segment serves the needs of global commercial and institutional customers by leveraging the international footprint of Santander to provide financing and banking services to corporations with over $500 million in annual revenues. CIB also includes SIS, a registered broker-dealer located in New York that provides services in investment banking, institutional sales, and trading and offering research reports of Latin American and European equity and fixed-income securities. CIB's offerings and strategy are based on Santander's local and global capabilities in wholesale banking. NOTE 18. BUSINESS SEGMENT INFORMATION (continued) • SC is a specialized consumer finance company focused on vehicle finance and third-party servicing. SC’s primary business is the indirect origination of RICs, principally through manufacturer-franchised dealers in connection with their sale of new and used vehicles to retail consumers. In conjunction with a ten -year private label financing agreement with FCA that became effective May 1, 2013, SC offers a full spectrum of auto financing products and services to FCA customers and dealers under the Chrysler Capital brand. These products and services include consumer RICs and leases, as well as dealer loans for inventory, construction, real estate, working capital and revolving lines of credit. SC also originates vehicle loans through a web-based direct lending program, purchases vehicle RICs from other lenders, and services automobile, recreational and marine vehicle portfolios for other lenders. During 2015, SC announced its intention to exit the personal lending business. SC has entered into a number of intercompany agreements with the Bank as described above as part of the Other segment. All intercompany revenue and fees between the Bank and SC are eliminated in the consolidated results of the Company. The Other category includes certain immaterial subsidiaries such as BSI, BSPR, SSLLC, and SFS, the unallocated interest expense on the Company's borrowings and other debt obligations and certain unallocated corporate income and indirect expenses. This category also includes the Bank’s community development finance activities, including originating CRA-eligible loans and making CRA-eligible investments. The Company’s segment results, excluding SC and the entities that have been transferred to the IHC, 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 ("FTP") 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 reportable segment, 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. The CODM manages SC on a historical basis by reviewing the results of SC on a pre-Change in Control basis. The Results of Segments table discloses SC's operating information on the same basis that it is reviewed by the CODM. The adjustments column includes adjustments to reconcile SC's GAAP results to SHUSA's consolidated results. NOTE 18. BUSINESS SEGMENT INFORMATION (continued) Results of Segments The following tables present certain information regarding the Company’s segments. For the Three-Month Period Ended SHUSA Reportable Segments March 31, 2019 Consumer & Business Banking C&I CRE & VF CIB Other (2) SC (3) SC Purchase Price Adjustments (4) Eliminations (4) Total (in thousands) Net interest income $ 364,977 $ 53,344 $ 102,565 $ 38,037 $ 41,187 $ 983,565 $ 7,324 $ 11,886 $ 1,602,885 Non-interest income 73,761 16,272 3,239 52,206 93,276 675,554 2,002 (20,864 ) 895,446 Provision for / (release of) credit losses 37,000 8,660 (134 ) 1,443 3,769 550,879 (1,406 ) — 600,211 Total expenses 392,513 53,349 35,572 66,387 218,040 770,973 10,530 (4,950 ) 1,542,414 Income/(loss) before income taxes 9,225 7,607 70,366 22,413 (87,346 ) 337,267 202 (4,028 ) 355,706 Intersegment revenue/(expense) (1) 395 1,251 2,009 (3,670 ) 15 — — — — Total assets 21,537,786 7,187,337 18,978,574 9,200,197 37,006,795 45,045,906 — — 138,956,595 (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 includes the results of the entities transferred to the IHC, earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s and the Company's borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses. (3) Management of SHUSA manages SC by analyzing the pre-Change in Control results of SC as disclosed in this column. (4) SC Purchase Price Adjustments represents the impact that SC purchase marks had on the results of SC included within the consolidated operations of SHUSA, while eliminations eliminate intercompany transactions. For the Three-Month Period Ended SHUSA Reportable Segments March 31, 2018 Consumer & Business Banking C&I CRE & VF CIB Other (2) SC (3) SC Purchase Price Adjustments (4) Eliminations (4) Total (in thousands) Net interest income $ 304,050 $ 56,650 $ 98,869 $ 32,721 $ 62,968 $ 976,142 $ 9,895 $ 9,058 $ 1,550,353 Non-interest income 82,737 32,691 1,160 50,583 111,135 531,736 2,686 (11,528 ) 801,200 Provision for / (release of) credit losses 38,389 (7,900 ) (1,841 ) (2,055 ) 6,337 510,341 10,609 — 553,880 Total expenses 408,339 51,674 42,010 60,040 175,320 694,870 11,729 (2,621 ) 1,441,361 Income/(loss) before income taxes (59,941 ) 45,567 59,860 25,319 (7,554 ) 302,667 (9,757 ) 151 356,312 Intersegment revenue/(expense) (1) 678 978 553 (2,281 ) 72 — — — — Total assets 18,857,134 6,241,656 18,077,107 7,062,542 38,944,264 40,028,740 — — 129,211,443 (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 includes the results of the entities transferred to the IHC, earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s and the Company's borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses. (3) Management of SHUSA manages SC by analyzing the pre-Change in Control results of SC as disclosed in this column. (4) SC Purchase Price Adjustments represents the impact that SC purchase marks had on the results of SC included within the consolidated operations of SHUSA, while eliminations eliminate intercompany transactions.

BASIS OF PRESENTATION AND ACC_2

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation These Condensed Consolidated Financial Statements include accounts of the Company and its consolidated subsidiaries, and certain special purpose financing trusts that are considered VIEs. The Company generally consolidates VIEs for which it is deemed to be the primary beneficiary and voting interest entities ("VOEs") in which the Company has a controlling financial interest. All significant intercompany balances and transactions have been eliminated in consolidation. These Condensed Consolidated Financial Statements have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") and pursuant to SEC regulations. Additionally, where applicable, the Company's accounting policies conform to the accounting and reporting guidelines prescribed by bank regulatory authorities. In the opinion of management, the accompanying Condensed Consolidated Financial Statements reflect all adjustments of a normal and recurring nature necessary for a fair statement of the Condensed Consolidated Balance Sheets , Statements of Operations , Statements of Comprehensive Income , Statements of Stockholder's Equity and Statements of Cash Flows ("SCF") for the periods indicated, and contain adequate disclosure to make the information presented not misleading. These Condensed Consolidated Financial Statements should be read in conjunction with the Company's Annual Report on Form 10-K for the year ended December 31, 2018 .
Recently Adopted Accounting Standards and Recent Accounting Developments	Recently Adopted Accounting Standards Since January 1, 2019, the Company adopted the following Financial Accounting Standards Board ("FASB") Accounting Standards Updates (“ASUs"): • ASU 2016-02, Leases (Topic 842) . The Company adopted this standard as of January 1, 2019, resulting in the recognition of a right of-use (“ROU”) asset ( $664.1 million ) and lease liability ( $705.7 million ) in the Consolidated Balance Sheet for all operating leases with a term greater than 12 months. The Company adopted the ASU using the modified retrospective approach, with application at the adoption date and a cumulative-effect adjustment to the opening balance of retained earnings. Under this approach, comparative periods were not adjusted. We elected the package of practical expedients permitted under transition guidance which allowed us to carry forward the historical lease classification. We also elected not to recognize a lease liability and associated ROU asset for short-term leases. We did not elect (1) the hindsight practical expedient when determining the lease term and (2) the practical expedient to not separate non-lease components from lease components. The ASU required the Company to accelerate the recognition of $18.7 million of previously deferred gains on sale-leaseback transactions, with such impact recorded to the opening balance of Retained earnings. The ROU asset and lease liability will subsequently be derecognized in a manner that effectively yields a straight-line lease expense over the lease term. Lessee accounting requirements for finance leases (previously described as capital leases) and lessor accounting requirements for operating, sales-type, and direct financing leases (sales-type and direct financing leases were both previously referred to as capital leases) are largely unchanged. This standard did not materially affect our Consolidated Statements of Operations or Statement of Cash Flows. • In August 2018, the FASB issued ASU 2018-15, Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract. This ASU aligns the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. The capitalized costs will be presented with Other Liabilities on the balance sheet, and the amortization expense will be presented in the Technology, outside service, and marketing expense line of the Statement of Operations. The Company has early adopted this standard effective January 1, 2019 and it did not have a material impact on the Company's Condensed Consolidated Financial Statements and related disclosures. The adoption of the following ASUs did not have an impact on the Company's financial position or results of operations: • ASU 2017-08, Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. • ASU 2017-11, Earnings Per Share (Topic 260); Distinguishing Liabilities from Equity (Topic 480); Derivatives and Hedging (Topic 815): (Part I) Accounting for Certain Financial Instruments with Down Round Features, (Part II) Replacement of the Indefinite Deferral for Mandatorily Redeemable Financial Instruments of Certain Nonpublic Entities and Certain Mandatorily Redeemable Noncontrolling Interests with a Scope Exception. • ASU 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. • ASU 2018-16, Derivatives and Hedging (Topic 815), Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments . This guidance significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. The standard will replace today’s “incurred loss” approach with an “expected loss” model for instruments measured at amortized cost. For AFS debt securities, entities will be required to record allowances rather than reduce the carrying amount, as they do today under the OTTI model. The standard also simplifies the accounting model for purchased credit-impaired debt securities and loans. The guidance will be effective for the Company for the first reporting period beginning after December 15, 2019, including interim periods within that year. The Company does not intend to adopt this ASU early and is currently evaluating the impact the new guidance will have on its financial position, results of operations and cash flows; however, it is expected that the new current expected credit loss model will alter the assumptions used in calculating the Company's allowance for credit losses ("ACL"), given the change to estimated losses for the estimated life of the financial asset, and will likely result in material increases to the Company's ACL and related decreases to capital ratios. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement . This ASU removes the requirement to disclose: the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, the policy for timin g of transfers between levels; and the valuation processes for Level 3 fair value measurements. This ASU requires disclosure of changes in unrealized gains and losses for the period included in OCI (loss) for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. This new guidance will be effective for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. Early adoption is permitted. The Company is currently evaluating the effect the new guidance will have on its Consolidated Financial Statements and related disclosures. In addition to those described in detail above, the Company is in the process of evaluating the following ASU, but does not expect it to have a material impact on the Company's financial position, results of operations, or disclosures: • ASU 2018-17, Consolidation (Topic 810): Targeted Improvements to Related Party Guidance for Variable Interest Entities
Commercial Lending Asset Quality Indicators	Commercial Lending Asset Quality Indicators The Company's Risk Department performs a credit analysis and classifies certain loans over an internal threshold based on the commercial lending classifications described below: 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. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) 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 Company 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.
TDRs	Commercial Loan TDRs All of the Company’s commercial loan modifications are based on the circumstances of the individual customer, including specific customers' complete relationships with the Company. Loan terms are modified to meet each borrower’s specific circumstances at a point in time and may allow for modifications such as term extensions and interest rate reductions. 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. Commercial 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). TDRs are 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 DTI ratio range. The main modification benefits of the program allow for term extensions, interest rate reductions, and/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, including RICs and auto loans, the terms of the modifications generally include one or a combination of: a reduction of the stated interest rate of the loan to a rate of interest lower than the current market rate for new debt with similar risk or an extension of the maturity date. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Consumer TDRs excluding RICs 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 implemented. RIC TDRs are placed on nonaccrual status when the Company believes repayment under the revised terms is not reasonably assured, and considered for return to accrual when a sustained period of repayment performance has been achieved. The TDR classification will remain on the loan until it is paid in full or liquidated. In addition to loans identified as TDRs above, the guidance also requires loans discharged under Chapter 7 bankruptcy proceedings to be considered TDRs and collateral-dependent, regardless of delinquency status. TDRs that are collateral-dependent loans must be written down to the fair market value of the collateral, less costs to sell and classified as non-accrual/NPLs for the remaining life of the loan. TDR Impact to ALLL The ALLL is established to recognize losses inherent in funded loans intended to be HFI that are probable and can be reasonably estimated. Prior to loans being placed in TDR status, 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, LTV 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, by discounting expected future cash flows using the original effective interest rate or fair value of collateral less costs to sell. The amount of the required ALLL is equal to the difference between the loan’s impaired value and the recorded investment. RIC TDRs that subsequently default continue to have impairment measured based on the difference between the recorded investment of the RIC and the present value of expected cash flows. For the Company's other consumer TDR portfolios, impairment on subsequent defaults is generally measured 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 estimated cost to sell. Accordingly, upon TDR modification or if a TDR modification subsequently defaults, the allowance methodology remains unchanged.

BASIS OF PRESENTATION AND ACC_3

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Tables)	3 Months Ended
	Mar. 31, 2019
Accounting Policies [Abstract]
Schedule of Error Corrections and Prior Period Adjustments	The following tables summarize the impacts of the corrections on the Company's Condensed Consolidated Statement of Operations for the periods indicated: For the three-month period ended March 31, 2018 As Reported Corrections As Revised INTEREST INCOME Loans $ 1,747,734 $ 54,403 $ 1,802,137 TOTAL INTEREST INCOME 1,876,064 54,403 1,930,467 NET INTEREST INCOME 1,495,950 54,403 1,550,353 Provision for credit losses 502,534 51,346 553,880 NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 993,416 3,057 996,473 Income tax provision / (benefit) 95,321 741 96,062 NET INCOME including NCI 257,935 2,315 260,250 Less: Net income attributable to NCI 74,397 741 75,138 NET INCOME ATTRIBUTABLE TO SHUSA $ 183,538 $ 1,574 $ 185,112 The following table summarizes the impacts of the corrections on the Company's Condensed Consolidated SCF for the period indicated: For the three-month period ended March 31, 2018 As Reported Corrections As Revised Net cash provided by operating activities $ 1,963,089 $ 49,117 $ 2,012,206 Net cash provided by (used in) investing activities $ (979,224 ) $ (49,117 ) $ (1,028,341 ) In addition to the revision of the Company's Consolidated Financial Statements, information within the Notes to the Consolidated Financial Statements has been revised to reflect the correction of the errors discussed above. The following tables summarize the impacts of the correction of those items: March 31, 2018 As Reported Corrections As Revised Non-performing - RICs and auto loans - originated $ 1,644,605 $ (770,541 ) $ 874,064 Total non-performing loans 2,681,624 (770,541 ) 1,911,083 Total non-performing assets 2,981,021 (770,541 ) 2,210,480 March 31, 2018 As Reported Corrections As Revised 30-89 DPD (1) 90+ DPD Current 30-89 DPD 90+ DPD Current 30-89 DPD 90+ DPD Current RICs and auto loans - originated $ 2,634,364 $ 228,811 $ 21,340,720 $ 142,931 $ 19,596 $ (67,072 ) $ 2,777,295 $ 248,407 $ 21,273,648 Total loans $ 3,509,299 $ 798,166 $ 77,771,558 $ 142,931 $ 19,596 $ (67,072 ) $ 3,652,230 $ 817,762 $ 77,704,486 (1) Days past due ("DPD").

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Summary of Debt Securities, Available-for-sale	The following tables present the amortized cost, gross unrealized gains and losses and approximate fair values of debt securities AFS at the dates indicated: March 31, 2019 December 31, 2018 (in thousands) Amortized Gross Gross Fair Amortized Gross Gross Fair U.S. Treasury securities $ 2,136,711 $ 1,707 $ (7,558 ) $ 2,130,860 $ 1,815,914 $ 560 $ (11,729 ) $ 1,804,745 Corporate debt securities 142,912 50 (23 ) 142,939 160,164 12 (62 ) 160,114 Asset-backed securities (“ABS”) 426,115 2,845 (1,954 ) 427,006 435,464 3,517 (2,144 ) 436,837 State and municipal securities 15 — — 15 16 — — 16 Mortgage-backed securities (“MBS”): GNMA - Residential (1) 2,666,747 597 (48,826 ) 2,618,518 2,829,075 861 (85,675 ) 2,744,261 GNMA - Commercial 755,054 320 (12,523 ) 742,851 954,651 1,250 (19,515 ) 936,386 FHLMC and FNMA - Residential (2) 5,465,051 1,134 (111,224 ) 5,354,961 5,687,221 267 (188,515 ) 5,498,973 FHLMC and FNMA - Commercial 51,595 630 (176 ) 52,049 51,808 384 (537 ) 51,655 Total investments in debt securities AFS $ 11,644,200 $ 7,283 $ (182,284 ) $ 11,469,199 $ 11,934,313 $ 6,851 $ (308,177 ) $ 11,632,987 (1) Government National Mortgage Association ("GNMA") (2) Federal Home Loan Mortgage Corporation ("FHLMC") and Federal National Mortgage Association ("FNMA")
Summary of Held-to-maturity Securities	The following tables present the amortized cost, gross unrealized gains and losses and approximate fair values of debt securities HTM at the dates indicated: March 31, 2019 December 31, 2018 (in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Loss Fair Value Amortized Gross Gross Fair MBS: GNMA - Residential $ 1,663,706 $ 5,021 $ (29,260 ) $ 1,639,467 $ 1,718,687 $ 1,806 $ (54,184 ) $ 1,666,309 GNMA - Commercial 1,047,995 3,029 (15,863 ) 1,035,161 1,031,993 1,426 (23,679 ) 1,009,740 Total investments in debt securities HTM $ 2,711,701 $ 8,050 $ (45,123 ) $ 2,674,628 $ 2,750,680 $ 3,232 $ (77,863 ) $ 2,676,049
Investments Classified by Contractual Maturity Date	Contractual maturities of the Company’s AFS debt securities at March 31, 2019 were as follows: (in thousands) Amortized Cost Fair Value Due within one year $ 2,281,187 $ 2,276,677 Due after 1 year but within 5 years 355,236 356,479 Due after 5 years but within 10 years 337,554 334,302 Due after 10 years 8,670,223 8,501,741 Total $ 11,644,200 $ 11,469,199 NOTE 3. INVESTMENT SECURITIES (continued) Contractual maturities of the Company’s HTM debt securities at March 31, 2019 were as follows: (in thousands) Amortized Cost Fair Value Due after 10 years $ 2,711,701 $ 2,674,628 Total $ 2,711,701 $ 2,674,628
Gross Unrealized Loss and Fair Value of Debt Securities Available-for-Sale	The following tables present the aggregate amount of unrealized losses as of March 31, 2019 and December 31, 2018 on securities in the Company’s AFS investment portfolios classified according to the amount of time those securities have been in a continuous loss position: March 31, 2019 December 31, 2018 Less than 12 months 12 months or longer Less than 12 months 12 months or longer (in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Fair Value Unrealized U.S. Treasury securities $ 79,730 $ (8 ) $ 1,000,876 $ (7,550 ) $ 288,660 $ (315 ) $ 914,212 $ (11,414 ) Corporate debt securities 92,223 (23 ) — — 152,247 (62 ) 13 — ABS — — 100,912 (1,954 ) 31,888 (249 ) 77,766 (1,895 ) MBS: GNMA - Residential 53,732 (369 ) 2,351,854 (48,457 ) 102,418 (2,014 ) 2,521,278 (83,661 ) GNMA - Commercial 25,190 (162 ) 661,536 (12,361 ) 199,495 (2,982 ) 622,989 (16,533 ) FHLMC and FNMA - Residential 5,524 (111 ) 5,205,939 (111,113 ) 237,050 (5,728 ) 5,236,028 (182,787 ) FHLMC and FNMA - Commercial — — 22,014 (176 ) — — 21,819 (537 ) Total investments in debt securities AFS $ 256,399 $ (673 ) $ 9,343,131 $ (181,611 ) $ 1,011,758 $ (11,350 ) $ 9,394,105 $ (296,827 )
Gross Unrealized Loss and Fair Value of Debt Securities Held-to-maturity	The following tables present the aggregate amount of unrealized losses as of March 31, 2019 and December 31, 2018 on debt securities in the Company’s HTM investment portfolios classified according to the amount of time those securities have been in a continuous loss position: March 31, 2019 December 31, 2018 Less than 12 months 12 months or longer Less than 12 months 12 months or longer (in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Fair Value Unrealized GNMA - Residential $ — $ — $ 1,231,013 $ (29,260 ) $ 205,573 $ (4,810 ) $ 1,295,554 $ (49,374 ) GNMA - Commercial 25,885 (27 ) 799,763 (15,836 ) 221,250 (5,572 ) 629,847 (18,107 ) Total investments in debt securities HTM $ 25,885 $ (27 ) $ 2,030,776 $ (45,096 ) $ 426,823 $ (10,382 ) $ 1,925,401 $ (67,481 )
Gains (Losses) and Proceeds on Sales of Investment Securities	Proceeds from sales of investments in debt securities and the realized gross gains and losses from those sales were as follows: Three-Month Period Ended March 31, (in thousands) 2019 2018 Proceeds from the sales of AFS securities $ 282,872 $ 39,446 Gross realized gains $ 811 $ 108 Gross realized losses (2,811 ) (771 ) OTTI — — Net realized gains/(losses) (1) $ (2,000 ) $ (663 ) (1) Includes net realized gain/(losses) on trading securities of $(0.3) million , and $(0.6) million for the three-month periods ended March 31, 2019 and 2018 , respectively.
Schedule of Other Investments	Other Investments consisted of the following as of: (in thousands) March 31, 2019 December 31, 2018 FHLB of Pittsburgh and FRB stock $ 634,366 $ 631,239 Low Income Housing Tax Credit investments ("LIHTC") 199,105 163,113 Equity securities not held for trading 53,845 10,995 Trading securities 6,228 10 Total $ 893,544 $ 805,357

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
Schedule of Loans Receivable	The following presents the composition of the gross loans and leases HFI by portfolio and by rate type: March 31, 2019 December 31, 2018 (dollars in thousands) Amount Percent Amount Percent Commercial LHFI: Commercial real estate ("CRE") loans $ 8,709,750 9.8 % $ 8,704,481 10.0 % Commercial and industrial ("C&I") loans 16,504,188 18.5 % 15,738,158 18.1 % Multifamily loans 8,492,025 9.5 % 8,309,115 9.5 % Other commercial (2) 7,887,508 8.8 % 7,630,004 8.8 % Total commercial LHFI 41,593,471 46.6 % 40,381,758 46.4 % Consumer loans secured by real estate: Residential mortgages 9,952,521 11.2 % 9,884,462 11.4 % Home equity loans and lines of credit 5,329,247 6.0 % 5,465,670 6.3 % Total consumer loans secured by real estate 15,281,768 17.2 % 15,350,132 17.7 % Consumer loans not secured by real estate: RICs and auto loans - originated (4) 29,843,248 33.5 % 28,532,085 32.8 % RICs and auto loans - purchased 613,649 0.7 % 803,135 0.9 % Personal unsecured loans 1,468,889 1.6 % 1,531,708 1.8 % Other consumer (3) 403,235 0.4 % 447,050 0.4 % Total consumer loans 47,610,789 53.4 % 46,664,110 53.6 % Total LHFI (1) $ 89,204,260 100.0 % $ 87,045,868 100.0 % Total LHFI: Fixed rate $ 58,101,354 65.1 % $ 56,696,491 65.1 % Variable rate 31,102,906 34.9 % 30,349,377 34.9 % Total LHFI (1) $ 89,204,260 100.0 % $ 87,045,868 100.0 % (1) Total LHFI 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 increase in the loan balances of $1.7 billion and $1.4 billion as of March 31, 2019 and December 31, 2018 , respectively. (2) Other commercial includes commercial equipment vehicle financing ("CEVF") leveraged leases and loans. (3) Other consumer primarily includes recreational vehicle ("RV") and marine loans. (4) Beginning in 2018, the Bank has an agreement with SC by which SC provides the Bank with origination support services in connection with the processing, underwriting and purchase of RICs, primarily from Chrysler dealers. The composition of the portfolio segment is as follows: (in thousands) March 31, 2019 December 31, 2018 RICs - Purchased HFI: Unpaid principal balance ("UPB") (1) $ 645,381 $ 844,582 UPB - FVO (2) 7,492 9,678 Total UPB 652,873 854,260 Purchase marks (3) (39,224 ) (51,125 ) Total RICs - Purchased HFI 613,649 803,135 RICs - Originated HFI: UPB (1) 27,621,076 27,049,875 Net discount (105,819 ) (135,489 ) Total RICs - Originated 27,515,257 26,914,386 SBNA auto loans 2,327,991 1,617,699 Total RICs - originated post-Change in Control 29,843,248 28,532,085 Total RICs and auto loans HFI $ 30,456,897 $ 29,335,220 (1) UPB does not include amounts related to the loan receivables - unsecured and loan receivables from dealers due to the short-term and revolving nature of these receivables. (2) The Company elected to account for these loans, which were acquired with evidence of credit deterioration, under the FVO. (3) Includes purchase marks of $1.7 million and $2.1 million related to purchase loan portfolios on which we elected to apply the FVO at March 31, 2019 and December 31, 2018 , respectively.
Allowance for Credit Losses by Portfolio Segment	The activity in the ACL by portfolio segment for the three-month periods ended March 31, 2019 , and 2018 was as follows: Three-Month Period Ended March 31, 2019 (in thousands) Commercial Consumer Unallocated Total ALLL, beginning of period $ 441,086 $ 3,409,021 $ 47,023 $ 3,897,130 Provision for loan and lease losses 21,974 581,052 — 603,026 Charge-offs (23,601 ) (1,424,618 ) (275 ) (1,448,494 ) Recoveries 8,532 782,901 — 791,433 Charge-offs, net of recoveries (15,069 ) (641,717 ) (275 ) (657,061 ) ALLL, end of period $ 447,991 $ 3,348,356 $ 46,748 $ 3,843,095 Reserve for unfunded lending commitments, beginning of period $ 89,472 $ 6,028 $ — $ 95,500 (Release of) / Provision for reserve for unfunded lending commitments (2,909 ) 94 — (2,815 ) Reserve for unfunded lending commitments, end of period 86,563 6,122 — 92,685 Total ACL, end of period $ 534,554 $ 3,354,478 $ 46,748 $ 3,935,780 Ending balance, individually evaluated for impairment (1) $ 95,309 $ 1,319,385 $ — $ 1,414,694 Ending balance, collectively evaluated for impairment 352,682 2,028,971 46,748 2,428,401 Financing receivables: Ending balance $ 41,637,571 $ 48,779,267 $ — $ 90,416,838 Ending balance, evaluated under the FVO or lower of cost or fair value 44,099 1,267,594 — 1,311,693 Ending balance, individually evaluated for impairment (1) 447,725 5,346,965 — 5,794,690 Ending balance, collectively evaluated for impairment 41,145,747 42,164,708 — 83,310,455 (1) Consists of loans in troubled debt restructuring ("TDR") status. Three-Month Period Ended March 31, 2018 (in thousands) Commercial Consumer Unallocated Total ALLL, beginning of period $ 443,796 $ 3,504,068 $ 47,023 $ 3,994,887 Provision for loan and lease losses 41,232 531,894 — 573,126 Charge-offs (32,960 ) (1,222,427 ) — (1,255,387 ) Recoveries 10,006 661,744 — 671,750 Charge-offs, net of recoveries (22,954 ) (560,683 ) — (583,637 ) ALLL, end of period $ 462,074 $ 3,475,279 $ 47,023 $ 3,984,376 Reserve for unfunded lending commitments, beginning of period $ 108,805 $ 306 $ — $ 109,111 Release of unfunded lending commitments (19,263 ) 17 — (19,246 ) Reserve for unfunded lending commitments, end of period 89,542 323 — 89,865 Total ACL, end of period $ 551,616 $ 3,475,602 $ 47,023 $ 4,074,241 Ending balance, individually evaluated for impairment (1) $ 94,993 $ 1,749,597 $ — $ 1,844,590 Ending balance, collectively evaluated for impairment 367,081 1,725,682 47,023 2,139,786 Financing receivables: Ending balance $ 38,400,180 $ 43,774,298 $ — $ 82,174,478 Ending balance, evaluated under the FVO or lower of cost or fair value 195,721 1,798,347 — 1,994,068 Ending balance, individually evaluated for impairment (1) 568,557 6,432,443 — 7,001,000 Ending balance, collectively evaluated for impairment 37,635,902 35,543,508 — 73,179,410 (1) Consists of loans in TDR status. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) The following table presents the activity in the allowance for loan losses for RICs acquired in the Change in Control and those originated by SC subsequent to the Change in Control. Three-Month Period Ended March 31, 2019 (in thousands) Purchased Originated Total ALLL, beginning of period $ 193,742 $ 2,992,576 $ 3,186,318 (Release of) / Provision for loan and lease losses (24,084 ) 569,931 545,847 Charge-offs (51,312 ) (1,331,904 ) (1,383,216 ) Recoveries 33,533 739,847 773,380 Charge-offs, net of recoveries (17,779 ) (592,057 ) (609,836 ) ALLL, end of period $ 151,879 $ 2,970,450 $ 3,122,329 Three-Month Period Ended March 31, 2018 (in thousands) Purchased Originated Total ALLL, beginning of period $ 384,167 $ 2,862,356 $ 3,246,523 (Release of) / Provision for loan and lease losses (15,830 ) 538,505 522,675 Charge-offs (105,510 ) (1,082,006 ) (1,187,516 ) Recoveries 59,899 594,952 654,851 Charge-offs, net of recoveries (45,611 ) (487,054 ) (532,665 ) ALLL, end of period $ 322,726 $ 2,913,807 $ 3,236,533
Schedule of Non-accrual Loans	The recorded investment in non-accrual loans disaggregated by class of financing receivables and other non-performing assets is summarized as follows: (in thousands) March 31, 2019 December 31, 2018 Non-accrual loans: Commercial: CRE $ 82,504 $ 88,500 C&I 214,093 189,827 Multifamily 8,994 13,530 Other commercial 87,390 72,841 Total commercial loans 392,981 364,698 Consumer: Residential mortgages 207,344 216,815 Home equity loans and lines of credit 112,445 115,813 RICs and auto loans - originated 1,184,193 1,455,406 RICs - purchased 66,935 89,916 Personal unsecured loans 3,538 3,602 Other consumer 8,769 9,187 Total consumer loans 1,583,224 1,890,739 Total non-accrual loans 1,976,205 2,255,437 Other real estate owned ("OREO") 106,097 107,868 Repossessed vehicles 196,886 224,046 Foreclosed and other repossessed assets 2,507 1,844 Total OREO and other repossessed assets 305,490 333,758 Total non-performing assets $ 2,281,695 $ 2,589,195
Aging Analysis of Loan Portfolio	The age of recorded investments in past due loans and accruing loans 90 days or greater past due disaggregated by class of financing receivables is summarized as follows: As of: March 31, 2019 (in thousands) 30-89 90 Total Current Total (1) Recorded Investment Commercial: CRE $ 27,837 $ 66,700 $ 94,537 $ 8,615,213 $ 8,709,750 $ — C&I (1) 105,259 53,293 158,552 16,389,735 16,548,287 — Multifamily 46,087 1,599 47,686 8,444,339 8,492,025 — Other commercial 63,542 4,548 68,090 7,819,419 7,887,509 — Consumer: Residential mortgages 164,566 161,019 325,585 9,821,397 10,146,982 — Home equity loans and lines of credit 51,584 76,379 127,963 5,201,284 5,329,247 — RICs and auto loans - originated 3,247,752 299,021 3,546,773 26,296,475 29,843,248 — RICs and auto loans - purchased 169,793 12,489 182,282 431,367 613,649 — Personal unsecured loans 97,577 89,978 187,555 2,255,351 2,442,906 86,413 Other consumer 15,465 11,981 27,446 375,789 403,235 — Total $ 3,989,462 $ 777,007 $ 4,766,469 $ 85,650,369 $ 90,416,838 $ 86,413 (1) C&I loans includes $44.1 million of LHFS at March 31, 2019 . (2) Residential mortgages includes $194.5 million of LHFS at March 31, 2019 . (3) Personal unsecured loans includes $1.0 billion of LHFS at March 31, 2019 . As of December 31, 2018 (in thousands) 30-89 90 Total Current Total (1) Recorded Commercial: CRE $ 20,179 $ 49,317 $ 69,496 $ 8,634,985 $ 8,704,481 $ — C&I 61,495 74,210 135,705 15,602,453 15,738,158 — Multifamily 1,078 4,574 5,652 8,303,463 8,309,115 — Other commercial 16,081 5,330 21,411 7,608,593 7,630,004 6 Consumer: Residential mortgages 186,222 171,265 357,487 9,741,496 10,098,983 — Home equity loans and lines of credit 58,507 79,860 138,367 5,327,303 5,465,670 — RICs and auto loans - originated 4,076,015 419,819 4,495,834 24,036,251 28,532,085 — RICs and auto loans - purchased 242,604 21,923 264,527 538,608 803,135 — Personal unsecured loans 93,675 102,463 196,138 2,404,327 2,600,465 98,973 Other consumer 16,261 13,782 30,043 417,007 447,050 — Total $ 4,772,117 $ 942,543 $ 5,714,660 $ 82,614,486 $ 88,329,146 $ 98,979 (1) Residential mortgages included $214.5 million of LHFS at December 31, 2018 . (2) Personal unsecured loans included $1.1 billion of LHFS at December 31, 2018 .
Schedule of Impaired Loans by Class	Impaired loans disaggregated by class of financing receivables are summarized as follows: March 31, 2019 (in thousands) Recorded Investment (1) UPB Related Average With no related allowance recorded: Commercial: CRE $ 74,425 $ 83,594 $ — $ 76,741 C&I 42,472 52,697 — 34,166 Multifamily 10,077 10,984 — 14,169 Other commercial 13,528 13,563 — 10,438 Consumer: Residential mortgages 141,221 194,953 — 143,060 Home equity loans and lines of credit 45,176 47,208 — 45,623 RICs and auto loans - originated — — — 1 RICs and auto loans - purchased 5,565 7,149 — 6,313 Personal unsecured loans 20 20 — 12 Other consumer 3,195 3,195 — 3,393 With an allowance recorded: Commercial: CRE 51,918 59,844 6,951 55,390 C&I 176,353 196,603 64,850 178,266 Multifamily — — — — Other commercial 65,921 65,921 23,508 62,918 Consumer: Residential mortgages 255,166 291,999 28,234 254,566 Home equity loans and lines of credit 64,226 74,872 4,294 62,383 RICs and auto loans - originated 4,318,164 4,331,157 1,133,183 4,474,389 RICs and auto loans - purchased 494,097 558,409 146,232 554,084 Personal unsecured loans 15,685 15,814 6,210 15,934 Other consumer 10,014 12,971 1,232 10,037 Total: Commercial $ 434,694 $ 483,206 $ 95,309 $ 432,088 Consumer 5,352,529 5,537,747 1,319,385 5,569,795 Total $ 5,787,223 $ 6,020,953 $ 1,414,694 $ 6,001,883 (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. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) The Company recognized interest income, not including the impact of purchase accounting adjustments, of $205.4 million for the three-month period ended March 31, 2019 on approximately $4.8 billion of TDRs that were in performing status as of March 31, 2019 . December 31, 2018 (in thousands) Recorded Investment (1) UPB Related Average With no related allowance recorded: Commercial: CRE $ 79,056 $ 88,960 $ — $ 102,731 C&I 25,859 36,067 — 54,200 Multifamily 18,260 19,175 — 14,074 Other commercial 7,348 7,380 — 4,058 Consumer: Residential mortgages 144,899 201,905 — 126,110 Home equity loans and lines of credit 46,069 48,021 — 49,233 RICs and auto loans - originated 1 1 — 1 RICs and auto loans - purchased 7,061 9,071 — 11,627 Personal unsecured loans 4 4 — 42 Other consumer 3,591 3,591 — 6,574 With an allowance recorded: Commercial: CRE 58,861 66,645 6,449 78,271 C&I 180,178 197,937 66,329 178,474 Multifamily — — — 3,101 Other commercial 59,914 59,914 21,342 68,813 Consumer: Residential mortgages 253,965 289,447 29,156 288,029 Home equity loans and lines of credit 60,540 71,475 4,272 62,684 RICs and auto loans - originated 4,630,614 4,652,013 1,231,164 4,742,820 RICs and auto loans - purchased 614,071 694,000 184,545 890,274 Personal unsecured loans 16,182 16,446 6,875 16,330 Other consumer 10,060 13,275 1,162 10,826 Total: Commercial $ 429,476 $ 476,078 $ 94,120 $ 503,722 Consumer 5,787,057 5,999,249 1,457,174 6,204,550 Total $ 6,216,533 $ 6,475,327 $ 1,551,294 $ 6,708,272 (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.
Schedule of Loans by Credit Quality Indicators	Commercial loan credit quality indicators by class of financing receivables are summarized as follows: March 31, 2019 CRE C&I Multifamily Remaining Total (1) (in thousands) Rating: Pass $ 7,751,438 $ 14,741,539 $ 8,262,331 $ 7,500,488 $ 38,255,796 Special mention 538,203 782,001 204,314 280,641 1,805,159 Substandard 373,474 455,380 25,380 40,328 894,562 Doubtful 3,889 38,786 — 66,052 108,727 N/A (2) 42,746 530,581 — — 573,327 Total commercial loans $ 8,709,750 $ 16,548,287 $ 8,492,025 $ 7,887,509 $ 41,637,571 (1) Financing receivables include LHFS. (2) Consists of loans that have not been assigned a regulatory rating. December 31, 2018 CRE C&I Multifamily Remaining Total (1) (in thousands) Rating: Pass $ 7,655,627 $ 14,003,134 $ 8,072,407 $ 7,466,419 $ 37,197,587 Special mention 628,097 772,704 204,262 67,313 1,672,376 Substandard 373,356 408,515 32,446 36,255 850,572 Doubtful 4,655 38,373 — 60,017 103,045 N/A (2) 42,746 515,432 — — 558,178 Total commercial loans $ 8,704,481 $ 15,738,158 $ 8,309,115 $ 7,630,004 $ 40,381,758 (1) Financing receivables include LHFS. (2) Consists of loans that have not been assigned a regulatory rating. Consumer Lending Asset Quality Indicators-Credit Score Consumer financing receivables for which either an internal or external credit score is a core component of the allowance model are summarized by credit score as follows: Credit Score Range (2) March 31, 2019 December 31, 2018 (dollars in thousands) RICs and auto loans Percent RICs and auto loans Percent No FICO ®(1) $ 3,236,902 10.6 % $ 3,136,449 10.7 % <600 15,208,232 49.9 % 14,884,385 50.7 % 600-639 5,414,127 17.8 % 5,185,412 17.7 % 640-679 4,968,013 16.3 % 4,758,394 16.2 % 680-719 369,272 1.2 % 289,270 1.0 % 720-759 356,081 1.2 % 283,052 1.0 % >=760 904,270 3.0 % 798,258 2.7 % Total $ 30,456,897 100.0 % $ 29,335,220 100.0 % (1) Consists primarily of loans for which credit scores are not considered in the ALLL model. (2) Credit scores updated quarterly.
Schedule of Financing Receivable by LTV	110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 131,248 $ 1,046 $ 451 $ — $ — $ 132,745 <600 1,066 212,854 62,843 13,389 5,459 295,611 600-639 311 168,783 44,896 5,383 3,412 222,785 640-679 694 304,570 103,486 11,713 5,951 426,414 680-719 710 528,051 195,615 18,069 11,808 754,253 720-759 97 733,174 260,357 17,718 12,157 1,023,503 >=760 1,304 1,842,488 562,711 40,841 26,592 2,473,936 Grand Total $ 135,430 $ 3,790,966 $ 1,230,359 $ 107,113 $ 65,379 $ 5,329,247 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. Residential Mortgages (1)(3) December 31, 2018 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 87,808 $ 4,465 $ — $ — $ 423 $ — $ — $ 92,696 <600 69 225,647 54,101 35,625 26,863 2,450 4,604 349,359 600-639 35 157,281 47,712 34,124 37,901 943 1,544 279,540 640-679 — 308,780 112,811 76,512 101,057 1,934 1,767 602,861 680-719 — 560,920 266,877 148,283 175,889 3,630 3,593 1,159,192 720-759 50 1,061,969 535,840 210,046 218,177 4,263 6,704 2,037,049 >=760 213 3,518,916 1,253,733 354,629 220,695 6,477 9,102 5,363,765 Grand Total $ 88,175 $ 5,837,978 $ 2,271,074 $ 859,219 $ 781,005 $ 19,697 $ 27,314 $ 9,884,462 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Home Equity Loans and Lines of Credit (2) December 31, 2018 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 133,436 $ 841 $ 197 $ — $ 5 $ 134,479 <600 1,130 209,536 64,202 14,948 5,988 295,804 600-639 398 166,384 48,543 7,932 2,780 226,037 640-679 919 305,642 112,937 10,311 6,887 436,696 680-719 869 527,374 215,824 17,231 13,482 774,780 720-759 1,139 732,467 292,516 20,812 14,677 1,061,611 >=760 2,280 1,844,830 614,221 46,993 27,939 2,536,263 Grand Total $ 140,171 $ 3,787,074 $ 1,348,440 $ 118,227 $ 71,758 $ 5,465,670 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company." id="sjs-B10">Residential mortgage and home equity financing receivables by LTV and FICO range are summarized as follows: Residential Mortgages (1)(3) March 31, 2019 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 55,818 $ 2,871 $ — $ — $ — $ — $ — $ 58,689 <600 70 209,547 50,759 39,104 26,952 2,843 4,746 334,021 600-639 — 161,343 47,641 35,657 38,920 800 1,483 285,844 640-679 120 311,642 102,931 81,360 100,966 1,908 2,004 600,931 680-719 — 568,546 256,941 144,411 165,126 3,473 3,319 1,141,816 720-759 50 1,099,396 492,524 218,525 204,800 3,987 6,377 2,025,659 >=760 315 3,704,818 1,204,676 384,410 198,569 4,618 8,155 5,505,561 Grand Total $ 56,373 $ 6,058,163 $ 2,155,472 $ 903,467 $ 735,333 $ 17,629 $ 26,084 $ 9,952,521 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and combined LTV ("CLTV") for financing receivables in second lien position for the Company. Home Equity Loans and Lines of Credit (2) March 31, 2019 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 131,248 $ 1,046 $ 451 $ — $ — $ 132,745 <600 1,066 212,854 62,843 13,389 5,459 295,611 600-639 311 168,783 44,896 5,383 3,412 222,785 640-679 694 304,570 103,486 11,713 5,951 426,414 680-719 710 528,051 195,615 18,069 11,808 754,253 720-759 97 733,174 260,357 17,718 12,157 1,023,503 >=760 1,304 1,842,488 562,711 40,841 26,592 2,473,936 Grand Total $ 135,430 $ 3,790,966 $ 1,230,359 $ 107,113 $ 65,379 $ 5,329,247 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. Residential Mortgages (1)(3) December 31, 2018 N/A (2) LTV<=70% 70.01-80% 80.01-90% 90.01-100% 100.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (2) $ 87,808 $ 4,465 $ — $ — $ 423 $ — $ — $ 92,696 <600 69 225,647 54,101 35,625 26,863 2,450 4,604 349,359 600-639 35 157,281 47,712 34,124 37,901 943 1,544 279,540 640-679 — 308,780 112,811 76,512 101,057 1,934 1,767 602,861 680-719 — 560,920 266,877 148,283 175,889 3,630 3,593 1,159,192 720-759 50 1,061,969 535,840 210,046 218,177 4,263 6,704 2,037,049 >=760 213 3,518,916 1,253,733 354,629 220,695 6,477 9,102 5,363,765 Grand Total $ 88,175 $ 5,837,978 $ 2,271,074 $ 859,219 $ 781,005 $ 19,697 $ 27,314 $ 9,884,462 (1) Excludes LHFS. (2) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (3) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Home Equity Loans and Lines of Credit (2) December 31, 2018 N/A (1) LTV<=70% 70.01-90% 90.01-110% LTV>110% Grand Total FICO Score (dollars in thousands) N/A (1) $ 133,436 $ 841 $ 197 $ — $ 5 $ 134,479 <600 1,130 209,536 64,202 14,948 5,988 295,804 600-639 398 166,384 48,543 7,932 2,780 226,037 640-679 919 305,642 112,937 10,311 6,887 436,696 680-719 869 527,374 215,824 17,231 13,482 774,780 720-759 1,139 732,467 292,516 20,812 14,677 1,061,611 >=760 2,280 1,844,830 614,221 46,993 27,939 2,536,263 Grand Total $ 140,171 $ 3,787,074 $ 1,348,440 $ 118,227 $ 71,758 $ 5,465,670 (1) Residential mortgages and home equity loans and lines of credit in the "N/A" range for LTV or FICO score primarily represent the balance on loans serviced by others, in run-off portfolios or for which a current LTV or FICO score is unavailable. (2) Allowance model considers LTV for financing receivables in first lien position for the Company and CLTV for financing receivables in second lien position for the Company.
Summary of Performing and Non-performing TDRs	The following table summarizes the Company’s performing and non-performing TDRs at the dates indicated: (in thousands) March 31, 2019 December 31, 2018 Performing $ 4,774,676 $ 5,014,224 Non-performing 720,190 908,128 Total (1) $ 5,494,866 $ 5,922,352 (1) Excludes LHFS.
Schedule of Troubled Debt Restructurings	The following tables detail the activity of TDRs for the three-month periods ended March 31, 2019 , and 2018 , respectively: Three-Month Period Ended March 31, 2019 Number of Pre-TDR Recorded (1) Term Extension Other (4) Post-TDR Recorded Investment (2) (dollars in thousands) Commercial: CRE 17 $ 44,709 $ 395 $ 711 $ 45,815 C&I 24 620 1 — 621 Consumer: Residential mortgages (3) 26 3,513 — 157 3,670 Home equity loans and lines of credit 41 5,077 — 421 5,498 RICs and auto loans - originated 19,431 328,173 (432 ) 1,053 328,794 RICs - purchased 418 1,969 2 (5 ) 1,966 Personal unsecured loans 51 570 — (3 ) 567 Other consumer 6 182 — (1 ) 181 Total 20,014 $ 384,813 $ (34 ) $ 2,333 $ 387,112 (1) Pre-TDR modification outstanding recorded investment amount is the month-end balance prior to the month in which the modification occurred. (2) Post-TDR modification outstanding recorded investment amount is the month-end balance for the month in which the modification occurred. (3) The post-TDR modification outstanding recorded investment amounts for residential mortgages exclude interest reserves. (4) Other modifications may include modifications such as interest rate reductions, fee waivers, or capitalization of fees. NOTE 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES (continued) Three-Month Period Ended March 31, 2018 Number of Pre-TDR Recorded (1) Term Extension Other (4) Post-TDR Recorded Investment (2) (dollars in thousands) Commercial: CRE 27 $ 34,507 $ (11 ) $ (1,131 ) $ 33,365 C&I 80 3,725 (4 ) (131 ) 3,590 Consumer: Residential mortgages (3) 61 9,927 — (720 ) 9,207 Home equity loans and lines of credit 94 6,104 — (232 ) 5,872 RICs and auto loans - originated 32,787 562,736 (1,175 ) (73 ) 561,488 RICs - purchased 1,895 14,217 (316 ) (2 ) 13,899 Personal unsecured loans 4,833 7,860 — (98 ) 7,762 Other consumer 13 136 (1 ) (4 ) 131 Total 39,790 $ 639,212 $ (1,507 ) $ (2,391 ) $ 635,314 (1) Pre-TDR modification outstanding recorded investment amount is the month-end balance prior to the month in which the modification occurred. (2) Post-TDR modification outstanding recorded investment amount is the month-end balance for the month in which the modification occurred. (3) The post-TDR modification outstanding recorded investment amounts for residential mortgages exclude interest reserves. (4) Other modifications may include modifications such as interest rate reductions, fee waivers, or capitalization of fees.
Schedule of Troubled Debt Restructurings Subsequently Defaulted	The following table details period-end recorded investment balances of TDRs that became TDRs during the past twelve-month period and have subsequently defaulted during the three-month periods ended March 31, 2019 , and 2018 , respectively. Three-Month Period Ended March 31, 2019 2018 Number of Recorded Investment (1) Number of Recorded Investment (1) (dollars in thousands) Commercial CRE 1 $ 130 2 $ 284 C&I 15 591 52 1,520 Consumer: Residential mortgages 53 4,802 64 8,868 Home equity loans and lines of credit 6 425 7 551 RICs and auto loans 7,559 125,322 12,022 201,669 Personal unsecured loans 60 534 2,324 3,243 Other consumer — — 1 10 Total 7,694 $ 131,804 14,472 $ 216,145 (1) The recorded investment represents the period-end balance. Does not include Chapter 7 bankruptcy TDRs.

OPERATING LEASE ASSETS, NET (Ta

OPERATING LEASE ASSETS, NET (Tables)	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Schedule of Operating Lease Assets, Net	Operating lease assets, net consisted of the following as of March 31, 2019 and December 31, 2018 : (in thousands) March 31, 2019 December 31, 2018 Leased vehicles $ 19,136,180 $ 18,737,338 Less: accumulated depreciation (3,529,738 ) (3,518,025 ) Depreciated net capitalized cost 15,606,442 15,219,313 Origination fees and other costs 69,232 66,967 Manufacturer subvention payments (1,287,017 ) (1,307,424 ) Leased vehicles, net 14,388,657 13,978,856 Commercial equipment vehicles and aircraft, gross 136,176 130,274 Less: accumulated depreciation (34,734 ) (30,337 ) Commercial equipment vehicles and aircraft, net 101,442 99,937 Total operating lease assets, net $ 14,490,099 $ 14,078,793
Schedule of Future Minimum Rental Payments Due to the Company Under Operating Leases	The following summarizes the future minimum rental payments due to the Company as lessor under operating leases as of March 31, 2019 (in thousands): 2019 $ 1,862,576 2020 1,909,673 2021 850,623 2022 75,928 2023 6,978 Thereafter 11,820 Total $ 4,717,598

VIEs (Tables)

VIEs (Tables)	3 Months Ended
	Mar. 31, 2019
Variable Interest Entity and Securitizations [Abstract]
Schedule of Variable Interest Entities	The assets of consolidated VIEs that are included in the Company's Condensed Consolidated Financial Statements , presented based upon the legal transfer of the underlying assets in order to reflect legal ownership, and that can be used only to settle obligations of the consolidated VIEs and the liabilities of those entities for which creditors (or beneficial interest holders) do not have recourse to the Company's general credit, were as follows (1) : (in thousands) March 31, 2019 December 31, 2018 Assets Restricted cash $ 1,830,617 $ 1,582,158 Loans (2) 24,846,214 24,098,638 Operating lease assets, net 14,388,657 13,978,855 Various other assets 667,368 685,383 Total Assets $ 41,732,856 $ 40,345,034 Liabilities Notes payable (2) $ 32,810,785 $ 31,949,839 Various other liabilities 109,388 122,010 Total Liabilities $ 32,920,173 $ 32,071,849 (1) Certain amounts shown above are greater than the amounts shown in the corresponding line items in the accompanying Condensed Consolidated Balance Sheets due to intercompany eliminations between the VIEs and other entities consolidated by the Company. For example, for most of its securitizations, the Company retains one or more of the lowest tranches of bonds. Rather than showing investment in bonds as an asset and the associated debt as a liability, these amounts are eliminated in consolidation as required by GAAP. (2) Reflects the impacts of purchase accounting.
Summary of Cash Flows Received	A summary of the cash flows received from the consolidated securitization Trusts for the three-month periods ended March 31, 2019 and 2018 is as follows: Three-Month Period Ended March 31, (in thousands) 2019 2018 Assets securitized $ 4,928,462 $ 7,240,944 Net proceeds from new securitizations (1) $ 3,962,618 $ 3,476,322 Net proceeds from sale of retained bonds 17,306 211,610 Cash received for servicing fees (2) 208,325 215,790 Net distributions from Trusts (2) 592,769 545,152 Total cash received from Trusts $ 4,781,018 $ 4,448,874 (1) Includes additional advances on existing securitizations. (2) These amounts are not reflected in the accompanying Consolidated SCF because the cash flows are between the VIEs and other entities included in the consolidation. A summary of the cash flows received from the Trusts for the three-month periods ended March 31, 2019 and 2018 is as follows: Three-Month Period Ended March 31, (in thousands) 2019 2018 Receivables securitized (1) $ — $ 1,475,253 Net proceeds from new securitizations $ — $ 1,474,820 Cash received for servicing fees 10,251 8,078 Total cash received from Trusts $ 10,251 $ 1,482,898 (1) Represents the UPB at the time of original securitization.
Schedule of Off-balance Sheet Variable Interest Entities Portfolio	The portfolio was comprised as follows: (in thousands) March 31, 2019 December 31, 2018 Santander Private Auto Issuing Note ("SPAIN") trust $ 3,110,475 $ 3,461,793 Total serviced for related parties 3,110,475 3,461,793 Chrysler Capital securitizations 520,842 611,050 Total serviced for third parties 520,842 611,050 Total serviced for other portfolio $ 3,631,317 $ 4,072,843

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	3 Months Ended
	Mar. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following table presents the Company's goodwill by its reporting units at March 31, 2019 : (in thousands) Consumer and Business Banking C&I (1) CRE and Vehicle Finance CIB SC Total Goodwill at December 31, 2018 $ 1,880,304 $ 1,412,995 $ — $ 131,130 $ 1,019,960 $ 4,444,389 Re-allocations during the period — (1,095,071 ) 1,095,071 — — — Goodwill at March 31, 2019 $ 1,880,304 $ 317,924 $ 1,095,071 $ 131,130 $ 1,019,960 $ 4,444,389
Schedule of Finite-Lived Intangible Assets	The following table details amounts related to the Company's intangible assets subject to amortization for the dates indicated. March 31, 2019 December 31, 2018 (in thousands) Net Carrying Amount Accumulated Amortization Net Carrying Amount Accumulated Amortization Intangibles subject to amortization: Dealer networks $ 377,393 $ (202,607 ) $ 387,196 $ (192,804 ) Chrysler relationship 61,250 (77,500 ) 65,000 (73,750 ) Trade name 14,400 (3,600 ) 14,700 (3,300 ) Other intangibles 7,386 (47,803 ) 8,297 (46,894 ) Total intangibles subject to amortization $ 460,429 $ (331,510 ) $ 475,193 $ (316,748 )
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	The estimated aggregate amortization expense related to intangibles, excluding any impairment charges, 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) 2019 $ 58,992 $ 14,766 $ 44,226 2020 58,657 — 58,657 2021 39,903 — 39,903 2022 39,901 — 39,901 2023 28,649 — 28,649 Thereafter 249,093 — 249,093

OTHER ASSETS (Tables)

OTHER ASSETS (Tables)	3 Months Ended
	Mar. 31, 2019
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Maturity of Lease Liabilities	Supplemental balance sheet information related to leases was as follows: Maturity of Lease Liabilities at March 31, 2019 Total Operating leases (in thousands) 2019 $ 108,489 2020 134,781 2021 124,541 2022 115,645 2023 101,202 Thereafter 266,798 Total lease liabilities $ 851,456 Less: Interest (91,638 ) Present value of lease liabilities $ 759,818
Schedule of Other Assets	The following is a detail of items that comprised other assets at March 31, 2019 and December 31, 2018 : (in thousands) March 31, 2019 December 31, 2018 Operating lease right-of-use (ROU) assets $ 702,671 $ — Deferred tax assets 604,443 625,087 Accrued interest receivable 537,307 566,602 Derivative assets at fair value 512,571 511,916 Other repossessed assets 199,393 225,890 Equity method investments 202,802 204,687 MSRs 142,422 152,121 OREO 106,097 107,868 Miscellaneous assets, receivables and prepaid expenses 1,474,927 1,259,165 Total other assets $ 4,482,633 $ 3,653,336
Operating Lease Term, Rate and Other Information	Operating Lease Term and Discount Rate March 31, 2019 Weighted-average remaining lease term (years) 7.1 Weighted-average discount rate 3.2 % Other Information March 31, 2019 (in thousands) Operating cash flows from operating leases (1) $ (23,640 ) Leased assets obtained in exchange for new operating lease liabilities $ 705,443 (1) Activity is included within the net change in other liabilities on the Condensed Consolidated Statement of Cash Flows.

DEPOSITS AND OTHER CUSTOMER A_2

DEPOSITS AND OTHER CUSTOMER ACCOUNTS (Tables)	3 Months Ended
	Mar. 31, 2019
Deposits [Abstract]
Summary of Deposits and Other Customer Accounts	Deposits and other customer accounts are summarized as follows: March 31, 2019 December 31, 2018 (dollars in thousands) Balance Percent of total deposits Balance Percent of total deposits Interest-bearing demand deposits $ 9,241,805 14.7 % $ 8,827,704 14.4 % Non-interest-bearing demand deposits 14,916,347 23.7 % 14,420,450 23.4 % Savings 6,011,623 9.6 % 5,875,787 9.6 % Customer repurchase accounts 450,771 0.7 % 654,843 1.1 % Money market 23,965,771 38.0 % 24,263,929 39.4 % CDs 8,360,527 13.3 % 7,468,667 12.1 % Total Deposits (1) $ 62,946,844 100.0 % $ 61,511,380 100.0 % (1) Includes foreign deposits, as defined by the FRB, of $8.7 billion and $8.4 billion at March 31, 2019 and December 31, 2018 , respectively.

BORROWINGS (Tables)

BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2019
Debt Instrument [Line Items]
Schedule of Borrowings and Other Debt Obligation	The following table presents information regarding the Parent Company and its subsidiaries' borrowings and other debt obligations at the dates indicated: March 31, 2019 December 31, 2018 (dollars in thousands) Balance Effective Rate Balance Effective Rate Parent Company 2.70% senior notes, due May 2019 $ 178,699 2.82 % $ 178,628 2.82 % 2.65% senior notes, due April 2020 998,257 2.82 % 997,848 2.82 % 4.45% senior notes, due December 2021 995,898 4.61 % 995,540 4.61 % 3.70% senior notes, due March 2022 1,440,069 3.74 % 1,440,063 3.74 % 3.40% senior notes, due January 2023 995,130 3.54 % 994,831 3.54 % 4.50% senior notes, due July 2025 1,096,099 4.56 % 1,095,966 4.56 % 4.40% senior notes, due July 2027 1,049,803 4.40 % 1,049,799 4.40 % Senior notes, due July 2019 (1) 388,725 3.74 % 388,717 3.22 % Senior notes, due September 2019 (1) 370,943 3.74 % 370,936 3.18 % Senior notes, due January 2020 (1) 302,624 3.78 % 302,619 3.22 % Senior notes, due September 2020 (2) 111,553 3.17 % 108,888 3.17 % Senior notes, due June 2022 (1) 427,856 3.78 % 427,850 3.38 % Subsidiaries 2.00% subordinated debt, maturing through 2042 40,989 2.00 % 40,703 2.00 % Short-term borrowing, due within one year, maturing April 2019 22,500 2.40 % 44,000 2.40 % Short-term borrowing, due within one year, maturing April 2019 11,823 0.38 % 15,900 0.38 % Total Parent Company and subsidiaries' borrowings and other debt obligations $ 8,430,968 3.86 % $ 8,452,288 3.76 % (1) These notes bear interest at a rate equal to the three-month London Interbank Offered Rate (“LIBOR") plus 100 basis points per annum. (2) This note will bear interest at a rate equal to the three-month LIBOR plus 105 basis points per annum. The following table presents information regarding the Bank's borrowings and other debt obligations at the dates indicated: March 31, 2019 December 31, 2018 (dollars in thousands) Balance Effective Rate Balance Effective Rate Subordinated term loan, due February 2019 $ — — $ 99,402 8.20 % FHLB advances, maturing through September 2021 4,900,000 2.89 % 4,850,000 2.74 % REIT preferred, callable May 2020 145,947 13.12 % 145,590 13.22 % Subordinated term loan, due August 2022 26,856 10.33 % 26,770 9.95 % Total Bank borrowings and other debt obligations $ 5,072,803 3.22 % $ 5,121,762 3.18 %
SC
Debt Instrument [Line Items]
Schedule of Borrowings and Other Debt Obligation	The following tables present information regarding SC's credit facilities as of March 31, 2019 and December 31, 2018 , respectively: March 31, 2019 (dollars in thousands) Balance Committed Amount Effective Rate Assets Pledged Restricted Cash Pledged Warehouse line, maturing on various dates (1) $ 355,345 $ 1,250,000 5.16 % $ 511,875 $ — Warehouse line, due November 2020 261,620 500,000 3.57 % 289,933 505 Warehouse line, due August 2020 (2) 2,515,243 4,400,000 4.09 % 3,311,763 4,274 Warehouse line, due October 2020 775,177 2,050,000 5.16 % 1,158,396 37 Warehouse line, due August 2019 37,484 500,000 8.6 % 54,475 — Warehouse line, due November 2020 751,400 1,000,000 3.68 % 1,088,648 — Warehouse line, due October 2019 80,600 350,000 5.74 % 89,781 581 Repurchase facility, due May 2019 (3) 167,748 167,748 3.80 % 235,540 — Repurchase facility, due May 2019 (3) 119,169 119,169 3.04 % 151,932 — Total SC revolving credit facilities $ 5,063,786 $ 10,336,917 4.27 % $ 6,892,343 $ 5,397 (1) As of March 31, 2019 , one-half of the outstanding balance on this facility matures in May 2019 and the remaining balance matures in March 2020. (2) This line is held exclusively for financing of Chrysler Capital leases. (3) These repurchase facilities are collateralized by securitization notes payable retained by SC. These facilities have rolling maturities of up to one year . As the borrower, SC is exposed to liquidity risk due to changes in the market value of retrained securities pledged. In some instances, SC places or receives cash collateral with counterparties under collateral arrangements associated with SC's repurchase agreements. December 31, 2018 (dollars in thousands) Balance Committed Amount Effective Assets Pledged Restricted Cash Pledged Warehouse line, maturing on various dates (1) $ 314,845 $ 1,250,000 4.83 % $ 458,390 $ — Warehouse line, due November 2020 317,020 500,000 3.53 % 359,214 525 Warehouse line, due August 2020 (2) 2,154,243 4,400,000 3.79 % 2,859,113 4,831 Warehouse line, due October 2020 242,377 2,050,000 5.94 % 345,599 120 Warehouse line, due August 2019 53,584 500,000 8.34 % 78,790 — Warehouse line, due November 2020 1,000,000 1,000,000 3.32 % 1,430,524 6 Warehouse line, due October 2019 97,200 350,000 4.35 % 108,418 328 Repurchase facility, due April 2019 (3) 167,118 167,118 3.84 % 235,540 — Repurchase facility, due March 2019 (3) 131,827 131,827 3.54 % 166,308 — Total SC revolving credit facilities $ 4,478,214 $ 10,348,945 3.91 % $ 6,041,896 $ 5,810 (1) As of December 31, 2018 , one-half of the outstanding balance on this facility matures in March 2019 and the remaining balance matures in March 2020. (2), (3) See corresponding footnotes to the March 31, 2019 credit facilities table above. The following tables present information regarding SC's secured structured financings as of March 31, 2019 and December 31, 2018 , respectively: March 31, 2019 (dollars in thousands) Balance Initial Note Amounts Issued (3) Initial Weighted Average Interest Rate Range Collateral (2) Restricted Cash SC public securitizations, maturing on various dates between April 2021 and June 2026 (1) $ 18,489,633 $ 43,135,212 1.16% - 3.42% $ 24,058,020 $ 1,790,578 SC privately issued amortizing notes, maturing on various dates between June 2019 and September 2024 8,590,669 13,541,368 0.88% - 3.53% 11,836,129 34,642 Total SC secured structured financings $ 27,080,302 $ 56,676,580 0.88% - 3.53% $ 35,894,149 $ 1,825,220 (1) Securitizations executed under Rule 144A of the Securities Act of 1933, as amended (the "Securities Act"), are included within this balance. (2) Secured structured financings may be collateralized by SC's collateral overages of other issuances. (3) Excludes initial note amounts issued balance for any securitizations deal that were paid off or any new top ups for the year December 31, 2018 (dollars in thousands) Balance Initial Note Amounts Issued Initial Weighted Average Interest Rate Range Collateral Restricted Cash SC public securitizations, maturing on various dates between April 2021 and April 2026 (1)(2) $ 19,225,169 $ 41,380,952 1.16% - 3.53% $ 24,912,904 $ 1,541,714 SC privately issued amortizing notes, maturing on various dates between June 2019 and September 2024 (1) 7,676,351 11,305,368 0.88% - 3.17% 10,383,266 35,201 Total SC secured structured financings $ 26,901,520 $ 52,686,320 0.88% - 3.53% $ 35,296,170 $ 1,576,915 (1) SC has entered into various securitization transactions involving its retail automobile installment loans and leases. These transactions are accounted for as secured financings and therefore both the securitized RICs and the related securitization debt issued by SPEs remain on the Condensed Consolidated Balance Sheets . The maturity of this debt is based on the timing of repayments from the securitized assets. (2) Securitizations executed under Rule 144A of the Securities Act are included within this balance.

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2019
Equity [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 periods ended March 31, 2019 and 2018 , respectively. Total Other Total Accumulated Three-Month Period Ended March 31, 2019 December 31, 2018 March 31, 2019 (in thousands) Pretax Tax Net Activity Beginning Net Ending Change in accumulated OCI on cash flow hedge derivative financial instruments $ 10,402 $ (1,944 ) $ 8,458 Reclassification adjustment for net (gains) on cash flow hedge derivative financial instruments (1) (2,123 ) 668 (1,455 ) Net unrealized gains on cash flow hedge derivative financial instruments 8,279 (1,276 ) 7,003 $ (19,813 ) $ 7,003 $ (12,810 ) Change in unrealized gains on investments in debt securities 121,377 (31,355 ) 90,022 Reclassification adjustment for net losses included in net income/(expense) on non-OTTI securities (2) 2,000 (517 ) 1,483 Net unrealized gains on investments in debt securities 123,377 (31,872 ) 91,505 (245,767 ) 91,505 (154,262 ) Pension and post-retirement actuarial gain (3) 6,301 (190 ) 6,111 (56,072 ) 6,111 (49,961 ) As of March 31, 2019 $ 137,957 $ (33,338 ) $ 104,619 $ (321,652 ) $ 104,619 $ (217,033 ) (1) Net gains/(losses) reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statements of Operations for settlements of interest rate swap contracts designated as cash flow hedges. (2) Net (gains)/losses reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statements of Operations for the sale of AFS securities. (3) Included in the computation of net periodic pension costs. NOTE 11. ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (continued) Total Other Total Accumulated Three-Month Period Ended March 31, 2018 December 31, 2017 March 31, 2018 (in thousands) Pretax Tax Net Activity Beginning Net Ending Change in accumulated OCI on cash flow hedge derivative financial instruments $ (1,833 ) $ (4,671 ) $ (6,504 ) Reclassification adjustment for net (gains) on cash flow hedge derivative financial instruments (1) (1,687 ) 455 (1,232 ) Net unrealized (losses) on cash flow hedge derivative financial instruments (3,520 ) (4,216 ) (7,736 ) $ (6,388 ) $ (7,736 ) Cumulative impact of adoption of new ASUs (4) (9,629 ) Net unrealized (losses) on cash flow hedge derivative financial instruments upon adoption (17,365 ) (23,753 ) Change in unrealized (losses) on investment securities (136,960 ) 10,710 (126,250 ) Reclassification adjustment for net losses included in net income/(expense) on non-OTTI securities (2) 663 (58 ) 605 Net unrealized (losses) on investment securities (136,297 ) 10,652 (125,645 ) (140,498 ) (125,645 ) Cumulative impact of adoption of new ASU (4) (24,378 ) Net unrealized (losses) on investments in debt securities (150,023 ) (290,521 ) Pension and post-retirement actuarial gain (3) 5,929 (5,304 ) 625 (51,545 ) 625 Cumulative impact of adoption of new ASUs (4) (5,087 ) Pension and post-retirement actuarial gain upon adoption (4,462 ) (56,007 ) As of March 31, 2018 $ (133,888 ) $ 1,132 $ (132,756 ) $ (198,431 ) $ (171,850 ) $ (370,281 ) (1) Net (losses)/gains reclassified into Interest on borrowings and other debt obligations in the Condensed Consolidated Statements of Operations for settlements of interest rate swap contracts designated as cash flow hedges. (2) Net (gains)/losses reclassified into Net gain on sale of investment securities sales in the Condensed Consolidated Statements of Operations for the sale of AFS securities. (3) Included in the computation of net periodic pension costs. (4) Includes impact of OCI reclassified to Retained earnings as a result of the adoption of ASU 2018-02. Refer to Note 1 for further discussion.

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2019
Derivative [Line Items]
Impact of Derivative Activities in the Condensed Consolidated Statement of Operations	The following Condensed Consolidated Statement of Operations line items were impacted by the Company’s derivative activities for the three-month periods ended March 31, 2019 and 2018 : (in thousands) Three-Month Period Ended March 31, Derivative Activity (1) Line Item 2019 2018 Cash flow hedges: Pay fixed-receive variable interest rate swaps Interest expense on borrowings $ 12,940 $ 2,764 Pay variable receive-fixed interest rate swap Interest income on loans (11,448 ) (2,020 ) Other derivative activities: Forward commitments to sell loans Miscellaneous income, net 1,653 (514 ) Interest rate lock commitments Miscellaneous income, net 299 148 Mortgage servicing Miscellaneous income, net 8,354 (9,150 ) Customer-related derivatives Miscellaneous income, net (14,059 ) 5,869 Foreign exchange Miscellaneous income, net 23,933 3,720 Interest rate swaps, caps, and options Miscellaneous income, net 2,445 10,039 Interest expense — — Other Miscellaneous income, net (1,211 ) (2,631 ) (1) Gains are disclosed as positive numbers while losses are shown as a negative number regardless of the line item being affected.
Offsetting of Financial Assets	Information about financial assets and liabilities that are eligible for offset on the Condensed Consolidated Balance Sheets as of March 31, 2019 and December 31, 2018 , respectively, is presented in the following tables: Offsetting of Financial Assets Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet (in thousands) 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 March 31, 2019 Cash flow hedges $ 44,994 $ — $ 44,994 $ 3,878 $ 12,471 $ 28,645 Other derivative activities (1) 467,007 2,406 464,601 72,857 59,965 331,779 Total derivatives subject to a master netting arrangement or similar arrangement 512,001 2,406 509,595 76,735 72,436 360,424 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 2,976 — 2,976 — — 2,976 Total Derivative Assets $ 514,977 $ 2,406 $ 512,571 $ 76,735 $ 72,436 $ 363,400 December 31, 2018 Cash flow hedges $ 54,986 $ — $ 54,986 $ — $ 22,451 $ 32,535 Other derivative activities (1) 460,822 6,570 454,252 1,066 116,516 336,670 Total derivatives subject to a master netting arrangement or similar arrangement 515,808 6,570 509,238 1,066 138,967 369,205 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 2,677 — 2,677 — — 2,677 Total Derivative Assets $ 518,485 $ 6,570 $ 511,915 $ 1,066 $ 138,967 $ 371,882 (1) Includes customer-related and other derivatives. (2) Includes mortgage banking derivatives.
Offsetting of Financial Liabilities	Offsetting of Financial Liabilities Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet (in thousands) 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 (3) Net Amount March 31, 2019 Cash flow hedges $ 82,432 $ — $ 82,432 $ 5,984 $ 76,448 $ — Other derivative activities (1) 392,783 6,849 385,934 30,473 308,726 46,735 Total derivatives subject to a master netting arrangement or similar arrangement 475,215 6,849 468,366 36,457 385,174 46,735 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 3,176 — 3,176 — 3,121 55 Total Derivative Liabilities $ 478,391 $ 6,849 $ 471,542 $ 36,457 $ 388,295 $ 46,790 December 31, 2018 Cash flow hedges $ 100,272 $ — $ 100,272 $ — $ 5,612 $ 94,660 Other derivative activities (1) 392,338 13,422 378,916 — 316,285 62,631 Total derivatives subject to a master netting arrangement or similar arrangement 492,610 13,422 479,188 — 321,897 157,291 Total derivatives not subject to a master netting arrangement or similar arrangement (2) 4,821 — 4,821 — 3,827 994 Total Derivative Liabilities $ 497,431 $ 13,422 $ 484,009 $ — $ 325,724 $ 158,285 (1) Includes customer-related and other derivatives. (2) Includes mortgage banking derivatives. (3) In certain instances, the Company is over-collateralized since the actual amount of cash pledged as collateral exceeds the associated financial liability. As a result, the actual amount of cash collateral pledged that is reported in the Condensed Consolidated Balance Sheets may be greater than the amount shown in the table above.
Designated as hedging instrument
Derivative [Line Items]
Schedule of Derivative Instruments	Derivatives designated as accounting hedges at March 31, 2019 and December 31, 2018 included: (dollars in thousands) Notional Amount Asset Liability Weighted Average Receive Rate Weighted Average Pay Rate Weighted Average Life (Years) March 31, 2019 Cash flow hedges: Pay fixed — receive variable interest rate swaps $ 4,199,708 $ 28,601 $ 19,845 2.58 % 1.81 % 1.91 Pay variable - receive fixed interest rate swaps 4,000,000 — 62,587 1.41 % 2.49 % 1.78 Interest rate floor 2,200,000 16,393 — 0.02 % — % 1.69 Total $ 10,399,708 $ 44,994 $ 82,432 1.59 % 1.69 % 1.82 December 31, 2018 Cash flow hedges: Pay fixed — receive variable interest rate swaps $ 4,176,105 $ 44,054 $ 10,503 2.67 % 1.74 % 2.07 Pay variable - receive fixed interest rate swaps 4,000,000 — 89,769 1.41 % 2.40 % 2.02 Interest rate floor 2,000,000 10,932 — 0.04 % — % 1.91 Total $ 10,176,105 $ 54,986 $ 100,272 1.66 % 1.66 % 2.02
Not designated as hedging instrument
Derivative [Line Items]
Schedule of Other Derivative Activities	Other derivative activities at March 31, 2019 and December 31, 2018 included: Notional Asset derivatives Fair value Liability derivatives Fair value (in thousands) March 31, 2019 December 31, 2018 March 31, 2019 December 31, 2018 March 31, 2019 December 31, 2018 Mortgage banking derivatives: Forward commitments to sell loans $ 339,162 $ 329,189 $ 11 $ 4 $ 3,176 $ 4,821 Interest rate lock commitments 164,381 133,680 2,976 2,677 — — Mortgage servicing 430,000 455,000 4,842 1,575 1,598 8,953 Total mortgage banking risk management 933,543 917,869 7,829 4,256 4,774 13,774 Customer-related derivatives: Swaps receive fixed 10,346,650 11,335,998 179,032 92,542 46,120 120,185 Swaps pay fixed 10,786,245 11,825,804 77,323 163,673 145,409 72,662 Other 2,199,443 2,162,302 7,483 11,151 8,688 14,294 Total customer-related derivatives 23,332,338 25,324,104 263,838 267,366 200,217 207,141 Other derivative activities: Foreign exchange contracts 4,336,969 3,635,119 49,928 47,330 39,368 37,466 Interest rate swap agreements 2,120,775 2,281,379 6,409 11,553 6,170 3,264 Interest rate cap agreements 9,696,590 7,758,710 136,552 128,467 — — Options for interest rate cap agreements 9,679,846 7,741,765 — — 136,470 128,377 Other 1,053,613 1,038,558 5,427 4,527 8,960 7,137 Total $ 51,153,674 $ 48,697,504 $ 469,983 $ 463,499 $ 395,959 $ 397,159

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2019
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, 2019 and December 31, 2018 . (in thousands) Level 1 Level 2 Level 3 Balance at Level 1 Level 2 Level 3 Balance at Financial assets: U.S. Treasury securities $ — $ 2,130,860 $ — $ 2,130,860 $ 526,364 $ 1,278,381 $ — $ 1,804,745 Corporate debt — 142,939 — 142,939 — 160,114 — 160,114 ABS — 100,898 326,108 427,006 — 109,638 327,199 436,837 State and municipal securities — 15 — 15 — 16 — 16 MBS — 8,768,379 — 8,768,379 — 9,231,275 — 9,231,275 Investment in debt securities AFS (3) — 11,143,091 326,108 11,469,199 526,364 10,779,424 327,199 11,632,987 Other investments - trading securities 3,426 2,802 — 6,228 4 6 — 10 RICs HFI (4) — — 114,809 114,809 — — 126,312 126,312 LHFS (1)(5) — 188,282 — 188,282 — 209,506 — 209,506 MSRs (2) — — 140,134 140,134 — — 149,660 149,660 Other assets - derivatives (3) — 511,901 3,076 514,977 — 515,781 2,704 518,485 Total financial assets (6) $ 3,426 $ 11,846,076 $ 584,127 $ 12,433,629 $ 526,368 $ 11,504,717 $ 605,875 $ 12,636,960 Financial liabilities: Other liabilities - derivatives (3) — 476,567 1,824 478,391 — 496,593 838 497,431 Total financial liabilities $ — $ 476,567 $ 1,824 $ 478,391 $ — $ 496,593 $ 838 $ 497,431 (1) LHFS disclosed on the Condensed Consolidated Balance Sheet s also includes LHFS that are held at the lower of cost or fair value and are not presented within this table. (2) The Company has total MSRs of $142.4 million and $152.1 million as of March 31, 2019 .and December 31, 2018 , respectively. The Company has elected to account for the majority of its MSR balance using the FVO, while the remainder of the MSRs are accounted for using the lower of cost or fair value and are not presented within this table. (3) Refer to Note 3 for the fair value of investment securities and to Note 12 for the fair values of derivative assets and liabilities, on a further disaggregated basis. (4) RICs collateralized by vehicle titles at SC and RV/marine loans at SBNA. (5) Residential mortgage loans. (6) Approximately $584.1 million of these financial assets were measured using model-based techniques, or Level 3 inputs, and represented approximately 4.7% of total assets measured at fair value on a recurring basis and approximately 0.4% of total consolidated assets.
Fair Value Measurements, Nonrecurring	Assets measured at fair value on a nonrecurring basis that were still held on the balance sheet were as follows: (in thousands) Level 1 Level 2 Level 3 Balance at Level 1 Level 2 Level 3 Balance at Impaired commercial LHFI $ 13,105 $ 43,538 $ 213,571 $ 270,214 $ 5,182 $ 150,208 $ 219,258 $ 374,648 Foreclosed assets — 9,259 79,736 88,995 — 16,678 81,208 97,886 Vehicle inventory — 354,411 — 354,411 — 342,617 — 342,617 LHFS (1) — — 1,024,296 1,024,296 — — 1,073,795 1,073,795 Auto loans impaired due to bankruptcy — 169,928 — 169,928 — 189,114 — 189,114 MSRs — — 9,061 9,061 — — 9,386 9,386 (1) These amounts include $1.0 billion and $1.1 billion of personal LHFS that were impaired as of March 31, 2019 and December 31, 2018 , respectively.
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: Three-Month Period Ended March 31, (in thousands) Statement of Operations Location 2019 2018 Impaired LHFI Provision for credit losses $ (6,592 ) $ (29,312 ) Foreclosed assets Miscellaneous income, net (1) (2,252 ) (2,473 ) LHFS Provision for credit losses — (381 ) LHFS Miscellaneous income, net (1) (67,673 ) (70,490 ) Auto loans impaired due to bankruptcy Provision for credit losses (4,410 ) (82,145 ) MSRs Miscellaneous income, net (1) (173 ) (549 ) (1) Gains are disclosed as positive numbers while losses are shown as a negative number regardless of the line item being affected.
Rollforward for Recurring Assets and Liabilities	The tables below present the changes in Level 3 balances for the three-month periods ended March 31, 2019 and 2018 , respectively, for those assets and liabilities measured at fair value on a recurring basis. Three-Month Period Ended March 31, 2019 Three-Month Period Ended March 31, 2018 (in thousands) Investments RICs HFI MSRs Derivatives, net Total Investments RICs HFI MSRs Derivatives, net Total Balances, beginning of period $ 327,199 $ 126,312 $ 149,660 $ 1,866 $ 605,037 $ 350,252 $ 186,471 $ 145,993 $ 1,514 $ 684,230 Losses in OCI (672 ) — — — (672 ) (499 ) — — — (499 ) Gains/(losses) in earnings — 3,547 (9,246 ) (700 ) (6,399 ) — 5,276 15,043 134 20,453 Additions/Issuances — — 2,897 — 2,897 — 1,349 2,755 — 4,104 Settlements (1) (419 ) (15,050 ) (3,177 ) 86 (18,560 ) (1,119 ) (25,499 ) (3,661 ) 97 (30,182 ) Balances, end of period $ 326,108 $ 114,809 $ 140,134 $ 1,252 $ 582,303 $ 348,634 $ 167,597 $ 160,130 $ 1,745 $ 678,106 Changes in unrealized gains (losses) included in earnings related to balances still held at end of period $ — $ 3,547 $ (9,246 ) $ (999 ) $ (6,698 ) $ — $ 5,276 $ 15,043 $ (14 ) $ 20,305 (1) Settlements include charge-offs, prepayments, paydowns and maturities.
Quantitative Information on Level 3 Recurring Assets and Liabilities	The following table presents quantitative information about the significant unobservable inputs within significant Level 3 recurring and nonrecurring assets and liabilities at March 31, 2019 and December 31, 2018 , respectively: (dollars in thousands) Fair Value at March 31, 2019 Valuation Technique Unobservable Inputs Range Financial Assets: ABS Financing bonds $ 302,489 DCF Discount Rate (1) 2.29% - 2.61% (2.56%) Sale-leaseback securities 23,619 Consensus Pricing (2) Offered quotes (3) 109.22 % RICs HFI 114,809 DCF CPR (4) 6.66 % Discount Rate (5) 9.50% - 14.50% (12.64%) Recovery Rate (6) 25.00% - 43.00% (41.53%) Personal LHFS (10) 974,017 Lower of Market or Income Approach Market Participant View 70.00% - 80.00% Discount Rate 15.00% - 25.00% Default Rate 30.00% - 40.00% Net Principal & Interest Payment Rate 70.00% - 85.00% Loss Severity Rate 90.00% - 95.00% MSRs (9) 140,134 DCF CPR (7) 6.77% - 100.00% (10.08%) Discount Rate (8) 9.71 % (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-leaseback securities, the Company owns one security. (4) Based on the analysis of available data from a comparable market securitization of similar assets. (5) Based on the cost of funding of debt issuance and recent historical equity yields. (6) Based on the average severity utilizing reported severity rates and loss severity utilizing available market data from a comparable securitized pool. (7) Average CPR projected from collateral stratified by loan type and note rate. (8) Average discount rate from collateral stratified by loan type and note rate. (9) Excludes MSR valued on a non-recurring basis for which we do not consider there to be significant unobservable assumptions. (10) Excludes non-significant Level 3 LHFS portfolios. (dollars in thousands) Fair Value at December 31, 2018 Valuation Technique Unobservable Inputs Range Financial Assets: ABS Financing bonds $ 303,224 DCF Discount Rate (1) 2.68% - 2.73% (2.69%) Sale-leaseback securities 23,975 Consensus Pricing (2) Offered Quotes (3) 110.28 % RICs HFI 126,312 DCF CPR (4) 6.66 % Discount Rate (5) 9.50% - 14.50% (12.55%) Recovery Rate (6) 25.00% - 43.00% (41.6%) Personal LHFS (10) 1,068,757 Lower of Market or Income Approach Market Participant View 70.00% - 80.00% Discount Rate 15.00% - 25.00% Default Rate 30.00% - 40.00% Net Principal & Interest Payment Rate 70.00% - 85.00% Loss Severity Rate 90.00% - 95.00% MSRs (9) 149,660 DCF CPR (7) 7.06% - 100.00% (9.22%) Discount Rate (8) 9.71 % (1), (2), (3), (4), (5), (6), (7), (8), (9), (10) - See corresponding footnotes to the March 31, 2019 Level 3 Significant Inputs table above.
Schedule of Fair Value of Financial Instruments	The carrying amounts and estimated fair values, as well as the level within the fair value hierarchy, of the Company's financial instruments are as follows: March 31, 2019 December 31, 2018 (in thousands) Carrying Value Fair Value Level 1 Level 2 Level 3 Carrying Value Fair Value Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 7,564,183 $ 7,564,183 $ 7,564,183 $ — $ — $ 7,790,593 $ 7,790,593 $ 7,790,593 $ — $ — Investment in debt securities AFS 11,469,199 11,469,199 — 11,143,091 326,108 11,632,987 11,632,987 526,364 10,779,424 327,199 Investment in debt securities HTM 2,711,701 2,674,628 — 2,674,628 — 2,750,680 2,676,049 — 2,676,049 — Other investments - trading securities 6,228 6,228 3,426 2,802 — 10 10 4 6 — LHFI, net 85,361,165 85,359,384 13,105 43,538 85,302,741 83,148,738 83,415,697 5,182 150,208 83,260,307 LHFS 1,212,578 1,212,646 — 188,282 1,024,364 1,283,278 1,283,301 — 209,506 1,073,795 Restricted cash 3,268,581 3,268,581 3,268,581 — — 2,931,711 2,931,711 2,931,711 — — MSRs (1) 142,422 149,195 — — 149,195 152,121 159,046 — — 159,046 Derivatives 514,977 514,977 — 511,901 3,076 518,485 518,485 — 515,781 2,704 Financial liabilities: Deposits 62,946,844 62,925,824 54,582,620 8,343,204 — 61,511,380 61,456,268 54,039,848 7,416,420 — Borrowings and other debt obligations 45,647,858 45,957,959 — 31,939,247 14,018,712 44,953,784 45,083,518 — 31,494,126 13,589,392 Derivatives 478,391 478,391 — 476,567 1,824 497,431 497,431 — 496,593 838 (1) The Company has elected to account for the majority of its MSR balance using the FVO, while the remainder of the MSRs are accounted for using the lower of cost or fair value.
Summary of Difference Between Fair Value and Principal Balance of LHFS	The following table summarizes the differences between the fair value and the principal balance of LHFS and RICs measured at fair value on a recurring basis as of March 31, 2019 and December 31, 2018 : March 31, 2019 December 31, 2018 (in thousands) Fair Value Aggregate UPB Difference Fair Value Aggregate UPB Difference LHFS (1) $ 188,282 $ 182,381 $ 5,901 $ 209,506 $ 204,061 $ 5,445 RICs HFI 114,809 128,578 (13,769 ) 126,312 142,882 (16,570 ) Nonaccrual loans 3,986 6,529 (2,543 ) 7,630 10,427 (2,797 ) (1) LHFS disclosed on the Condensed Consolidated Balance Sheet s also includes LHFS that are held at the lower of cost or fair value that are not presented within this table. There were no nonaccrual loans related to the LHFS measured using the FVO.

NON-INTEREST INCOME AND OTHER_2

NON-INTEREST INCOME AND OTHER EXPENSES (Tables)	3 Months Ended
	Mar. 31, 2019
Revenue from Contract with Customer [Abstract]
Details of Non-Interest Income	The following table presents the details of the Company's Non-interest income for the following periods: Three-Month Period Ended March 31, (in thousands) 2019 2018 Non-interest income: Consumer and commercial fees $ 133,018 $ 138,561 Lease income 674,885 540,896 Miscellaneous income, net Mortgage banking income, net 8,815 16,345 BOLI 14,317 14,568 Capital market revenue 49,522 56,613 Net gain on sale of operating leases 24,011 53,200 Asset and wealth management fees 43,048 43,337 Loss on sale of non-mortgage loans (67,457 ) (43,910 ) Other miscellaneous income, net 17,287 (17,747 ) Net losses on sale of investment securities (2,000 ) (663 ) Total Non-interest income $ 895,446 $ 801,200
Disaggregation of Revenue from Contracts with Customers	The following table presents the Company's Non-interest income disaggregated by revenue source: Three-Month Period Ended March 31, (in thousands) 2019 2018 Non-interest income: In-scope of revenue from contracts with customers: Depository services (1) $ 56,167 $ 58,346 Commission and trailer fees (2) 38,649 29,450 Interchange income, net (2) 15,112 13,473 Underwriting service fees (2) 23,543 24,504 Asset and wealth management fees (2) 36,920 38,203 Other revenue from contracts with customers (2) 8,484 10,002 Total In-scope of revenue from contracts with customers 178,875 173,978 Out-of-scope of revenue from contracts with customers: Consumer and commercial fees (3) 65,746 73,204 Lease income 674,885 540,896 Miscellaneous income/(loss) (3) (22,060 ) 13,785 Net losses on sale of investment securities (2,000 ) (663 ) Total Out-of-scope of revenue from contracts with customers 716,571 627,222 Total Non-interest income $ 895,446 $ 801,200 (1) Primarily recorded in the Company's Condensed Consolidated Statements of Operations within Consumer and commercial fees . (2) Primarily recorded in the Company's Condensed Consolidated Statements of Operations within Miscellaneous income, net. (3) The balance presented excludes certain revenue streams that are considered in-scope and presented above.
Schedule of Other Expense	The following table presents the Company's other expenses for the following periods: Three-Month Period Ended March 31, (in thousands) 2019 2018 Other expenses: Amortization of intangibles $ 14,766 $ 15,288 Deposit insurance premiums and other expenses (1) 31,737 16,761 Loss on debt extinguishment 18 2,212 Other administrative expenses 135,883 103,555 Other miscellaneous expenses 3,327 1,437 Total Other expenses $ 185,731 $ 139,253 (1) The three-month period ended March 31, 2019 includes $25.3 million of FDIC insurance premiums that relates to periods from the first quarter of 2015 through the fourth quarter of 2018. The Company has concluded that the out-of-period correction is immaterial to all impacted periods.

COMMITMENTS, CONTINGENCIES AN_2

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Tables)	3 Months Ended
	Mar. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Schedule of Commitments Amount	The following table details the amount of commitments at the dates indicated: Other Commitments March 31, 2019 December 31, 2018 (in thousands) Commitments to extend credit $ 30,369,313 $ 30,269,311 Letters of credit 1,334,250 1,488,714 Unsecured revolving lines of credit 28,404 28,145 Recourse exposure on sold loans 49,945 49,733 Commitments to sell loans 363 875 Total commitments $ 31,782,275 $ 31,836,778
Summary of Liabilities for Commitments and Contingencies	The following table summarizes liabilities recorded for commitments and contingencies as of March 31, 2019 and 2018, all of which are included in Accounts payable and accrued expenses in the accompanying Condensed Consolidated Balance Sheet s: Agreement or Legal Matter Commitment or Contingency March 31, 2019 December 31, 2018 (in thousands) Chrysler Agreement Revenue-sharing and gain-sharing payments $ 13,254 $ 7,001 Agreement with Bank of America Servicer performance fee 5,980 6,353 Agreement with Citizens Bank of Philadelphia (CBP") Loss-sharing payments 3,340 3,708 Other contingencies Consumer arrangements 2,999 2,138

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	3 Months Ended
	Mar. 31, 2019
Related Party Transactions [Abstract]
Schedule of Related Party Transactions	Contributions from Santander that impact common stock and paid-in capital within the Condensed Consolidated Statements of Stockholder's Equity are disclosed within the table below: Three-Month Period Ended March 31, (in thousands) 2019 2018 Cash contribution $ 34,331 $ 5,741 Adjustment to book value of assets purchased on January 1 — 277 Deferred tax asset on purchased assets — 3,156 Contribution from shareholder $ 34,331 $ 9,174

BUSINESS SEGMENT INFORMATION (T

BUSINESS SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2019
Segment Reporting [Abstract]
Schedule of Segment Reporting Information	The following tables present certain information regarding the Company’s segments. For the Three-Month Period Ended SHUSA Reportable Segments March 31, 2019 Consumer & Business Banking C&I CRE & VF CIB Other (2) SC (3) SC Purchase Price Adjustments (4) Eliminations (4) Total (in thousands) Net interest income $ 364,977 $ 53,344 $ 102,565 $ 38,037 $ 41,187 $ 983,565 $ 7,324 $ 11,886 $ 1,602,885 Non-interest income 73,761 16,272 3,239 52,206 93,276 675,554 2,002 (20,864 ) 895,446 Provision for / (release of) credit losses 37,000 8,660 (134 ) 1,443 3,769 550,879 (1,406 ) — 600,211 Total expenses 392,513 53,349 35,572 66,387 218,040 770,973 10,530 (4,950 ) 1,542,414 Income/(loss) before income taxes 9,225 7,607 70,366 22,413 (87,346 ) 337,267 202 (4,028 ) 355,706 Intersegment revenue/(expense) (1) 395 1,251 2,009 (3,670 ) 15 — — — — Total assets 21,537,786 7,187,337 18,978,574 9,200,197 37,006,795 45,045,906 — — 138,956,595 (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 includes the results of the entities transferred to the IHC, earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s and the Company's borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses. (3) Management of SHUSA manages SC by analyzing the pre-Change in Control results of SC as disclosed in this column. (4) SC Purchase Price Adjustments represents the impact that SC purchase marks had on the results of SC included within the consolidated operations of SHUSA, while eliminations eliminate intercompany transactions. For the Three-Month Period Ended SHUSA Reportable Segments March 31, 2018 Consumer & Business Banking C&I CRE & VF CIB Other (2) SC (3) SC Purchase Price Adjustments (4) Eliminations (4) Total (in thousands) Net interest income $ 304,050 $ 56,650 $ 98,869 $ 32,721 $ 62,968 $ 976,142 $ 9,895 $ 9,058 $ 1,550,353 Non-interest income 82,737 32,691 1,160 50,583 111,135 531,736 2,686 (11,528 ) 801,200 Provision for / (release of) credit losses 38,389 (7,900 ) (1,841 ) (2,055 ) 6,337 510,341 10,609 — 553,880 Total expenses 408,339 51,674 42,010 60,040 175,320 694,870 11,729 (2,621 ) 1,441,361 Income/(loss) before income taxes (59,941 ) 45,567 59,860 25,319 (7,554 ) 302,667 (9,757 ) 151 356,312 Intersegment revenue/(expense) (1) 678 978 553 (2,281 ) 72 — — — — Total assets 18,857,134 6,241,656 18,077,107 7,062,542 38,944,264 40,028,740 — — 129,211,443 (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 includes the results of the entities transferred to the IHC, earnings from non-strategic assets, the investment portfolio, interest expense on the Bank’s and the Company's borrowings and other debt obligations, amortization of intangible assets and certain unallocated corporate income and indirect expenses. (3) Management of SHUSA manages SC by analyzing the pre-Change in Control results of SC as disclosed in this column. (4) SC Purchase Price Adjustments represents the impact that SC purchase marks had on the results of SC included within the consolidated operations of SHUSA, while eliminations eliminate intercompany transactions.

BASIS OF PRESENTATION AND ACC_4

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (General) (Details)	3 Months Ended
	Mar. 31, 2019
SC
Noncontrolling Interest [Line Items]
Ownership percentage by parent	69.80%
Percentage owned by noncontrolling shareholders	30.20%
SC
Noncontrolling Interest [Line Items]
Financing contract term	10 years

BASIS OF PRESENTATION AND ACC_5

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Intermediate Holding Company) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Jul. 02, 2018	Dec. 31, 2017
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total assets	$ 138,956,595	$ 129,211,443	$ 135,634,285
Total liabilities	114,828,190		111,787,053
Total stockholders' equity	24,128,405	23,830,597	$ 23,847,232		$ 23,690,832
Net income	$ 166,980	185,112
SAM
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total assets				$ 5,400
Total liabilities				1,000
Total stockholders' equity				$ 4,400
SAM | Not Retrospectively Restating Financial Statements for Contributions | Pro Forma
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net income		$ (400)

BASIS OF PRESENTATION AND ACC_6

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Correction of Error, Impact on Balance Sheet and Statements of Operations) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
INTEREST INCOME:
Loans	$ 1,999,338	$ 1,802,137
TOTAL INTEREST INCOME	2,141,043	1,930,467
NET INTEREST INCOME	1,602,885	1,550,353
Provision for credit losses	600,211	553,880
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	1,002,674	996,473
Income tax provision / (benefit)	116,214	96,062
NET INCOME including NCI	239,492	260,250
LESS: NET INCOME ATTRIBUTABLE TO NCI	72,512	75,138
NET INCOME ATTRIBUTABLE TO SHUSA	$ 166,980	185,112
As Reported
INTEREST INCOME:
Loans		1,747,734
TOTAL INTEREST INCOME		1,876,064
NET INTEREST INCOME		1,495,950
Provision for credit losses		502,534
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		993,416
Income tax provision / (benefit)		95,321
NET INCOME including NCI		257,935
LESS: NET INCOME ATTRIBUTABLE TO NCI		74,397
NET INCOME ATTRIBUTABLE TO SHUSA		183,538
Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans | Corrections
INTEREST INCOME:
Loans		54,403
TOTAL INTEREST INCOME		54,403
NET INTEREST INCOME		54,403
Provision for credit losses		51,346
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES		3,057
Income tax provision / (benefit)		741
NET INCOME including NCI		2,315
LESS: NET INCOME ATTRIBUTABLE TO NCI		741
NET INCOME ATTRIBUTABLE TO SHUSA		$ 1,574

BASIS OF PRESENTATION AND ACC_7

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Correction of Error, Impact on Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities	$ 1,521,721	$ 2,012,206
Net cash provided by (used in) investing activities	$ (3,497,450)	(1,028,341)
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities		1,963,089
Net cash provided by (used in) investing activities		(979,224)
Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net cash provided by operating activities		49,117
Net cash provided by (used in) investing activities		$ (49,117)

BASIS OF PRESENTATION AND ACC_8

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Correction of Error, Impact on Non-performing Assets) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans	$ 1,976,205	$ 2,255,437	$ 1,911,083
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans			2,681,624
Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans			(770,541)
Non-performing
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total non-performing assets	2,281,695	2,589,195	2,210,480
Non-performing | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total non-performing assets			2,981,021
Non-performing | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total non-performing assets			(770,541)
Consumer
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans	1,583,224	1,890,739
Consumer | RICs and auto loans - originated
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans	$ 1,184,193	$ 1,455,406	874,064
Consumer | RICs and auto loans - originated | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans			1,644,605
Consumer | RICs and auto loans - originated | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans | Corrections
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Non-performing loans			$ (770,541)

BASIS OF PRESENTATION AND ACC_9

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Correction of Error, Impact on Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due	$ 4,766,469	$ 5,714,660
Current	85,650,369	82,614,486	$ 77,704,486
As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Current			77,771,558
Corrections | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Current			(67,072)
30-89 DPD
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due	3,989,462	4,772,117	3,652,230
30-89 DPD | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			3,509,299
30-89 DPD | Corrections | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			142,931
90 or Greater DPD
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due	777,007	942,543	817,762
90 or Greater DPD | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			798,166
90 or Greater DPD | Corrections | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			19,596
Consumer | RICs and auto loans - originated
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due	3,546,773	4,495,834
Current	26,296,475	24,036,251	21,273,648
Consumer | RICs and auto loans - originated | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Current			21,340,720
Consumer | RICs and auto loans - originated | Corrections | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Current			(67,072)
Consumer | 30-89 DPD | RICs and auto loans - originated
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due	3,247,752	4,076,015	2,777,295
Consumer | 30-89 DPD | RICs and auto loans - originated | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			2,634,364
Consumer | 30-89 DPD | RICs and auto loans - originated | Corrections | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			142,931
Consumer | 90 or Greater DPD | RICs and auto loans - originated
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due	$ 299,021	$ 419,819	248,407
Consumer | 90 or Greater DPD | RICs and auto loans - originated | As Reported
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			228,811
Consumer | 90 or Greater DPD | RICs and auto loans - originated | Corrections | Correction of Errors in Accounting for Retail Installment Contracts and Auto Loans
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total Past Due			$ 19,596

BASIS OF PRESENTATION AND AC_10

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Recently Adopted Accounting Standards) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Jan. 01, 2019	Dec. 31, 2018	Jan. 01, 2018
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
ROU asset	$ 702,671		$ 0
Lease liability	$ 759,818
Impact to Retained earnings		$ 18,652		$ 8,455
Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Impact to Retained earnings		18,652		$ 47,549
ASU 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
ROU asset		664,100
Lease liability		705,700
ASU 2016-02 | Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Impact to Retained earnings		$ 18,700

BASIS OF PRESENTATION AND AC_11

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Subsequent Events) (Details) $ in Thousands	Apr. 22, 2019atmbranch	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Subsequent Event [Line Items]
Deposits		$ 62,946,844	$ 61,511,380
Financing receivable		90,416,838	$ 88,329,146
Affiliated Entity | SBNA
Subsequent Event [Line Items]
Deposits		525,000
Financing receivable		$ 120,000
Subsequent Event | Affiliated Entity | SBNA | First Commonwealth Bank | Disposed of by Sale
Subsequent Event [Line Items]
Number of bank branches to be sold | branch	14
Number of ATMs to be sold | atm	4

INVESTMENT SECURITIES (AFS Debt

INVESTMENT SECURITIES (AFS Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 11,644,200	$ 11,934,313
Gross Unrealized Gains	7,283	6,851
Gross Unrealized Loss	(182,284)	(308,177)
Fair Value	11,469,199	11,632,987
U.S. Treasury securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,136,711	1,815,914
Gross Unrealized Gains	1,707	560
Gross Unrealized Loss	(7,558)	(11,729)
Fair Value	2,130,860	1,804,745
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	142,912	160,164
Gross Unrealized Gains	50	12
Gross Unrealized Loss	(23)	(62)
Fair Value	142,939	160,114
Asset-backed securities (“ABS”)
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	426,115	435,464
Gross Unrealized Gains	2,845	3,517
Gross Unrealized Loss	(1,954)	(2,144)
Fair Value	427,006	436,837
State and municipal securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	15	16
Gross Unrealized Gains	0	0
Gross Unrealized Loss	0	0
Fair Value	15	16
GNMA - Residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,666,747	2,829,075
Gross Unrealized Gains	597	861
Gross Unrealized Loss	(48,826)	(85,675)
Fair Value	2,618,518	2,744,261
GNMA - Commercial
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	755,054	954,651
Gross Unrealized Gains	320	1,250
Gross Unrealized Loss	(12,523)	(19,515)
Fair Value	742,851	936,386
FHLMC and FNMA - Residential
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	5,465,051	5,687,221
Gross Unrealized Gains	1,134	267
Gross Unrealized Loss	(111,224)	(188,515)
Fair Value	5,354,961	5,498,973
FHLMC and FNMA - Commercial
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	51,595	51,808
Gross Unrealized Gains	630	384
Gross Unrealized Loss	(176)	(537)
Fair Value	$ 52,049	$ 51,655

INVESTMENT SECURITIES (HTM Debt

INVESTMENT SECURITIES (HTM Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 2,711,701	$ 2,750,680
Gross Unrealized Gains	8,050	3,232
Gross Unrealized Loss	(45,123)	(77,863)
Fair Value	2,674,628	2,676,049
GNMA - Residential
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	1,663,706	1,718,687
Gross Unrealized Gains	5,021	1,806
Gross Unrealized Loss	(29,260)	(54,184)
Fair Value	1,639,467	1,666,309
GNMA - Commercial
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	1,047,995	1,031,993
Gross Unrealized Gains	3,029	1,426
Gross Unrealized Loss	(15,863)	(23,679)
Fair Value	$ 1,035,161	$ 1,009,740

INVESTMENT SECURITIES (Securiti

INVESTMENT SECURITIES (Securities Pledged as Collateral) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	$ 6,600	$ 6,600
Collateral with Federal Reserve Bank
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	2,900	3,000
Public fund deposits
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	2,800	2,700
Repurchase agreements, hedging activities and recourse on loan sales
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	126.3	78
Deposits with Clearing Organizations
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	422.2	423.3
Overnight customer deposits
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	$ 317.1	$ 415.1

INVESTMENT SECURITIES (Other In

INVESTMENT SECURITIES (Other Investments) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Accrued interest on investment securities	$ 38,900,000	$ 40,200,000
FHLB Stock, par value (in usd per share)	$ 100
Purchases of FHLB stock	$ 60,100,000
FHLB stock redeemed	57,000,000
Gain (loss) on redemption of FHLB stock	0
Purchase of FRB stock	0
Equity securities	$ 53,845,000	$ 10,995,000

INVESTMENT SECURITIES (Contract

INVESTMENT SECURITIES (Contractual Maturity of AFS Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Amortized Cost
Due within one year	$ 2,281,187
Due after 1 year but within 5 years	355,236
Due after 5 years but within 10 years	337,554
Due after 10 years	8,670,223
Amortized Cost	11,644,200	$ 11,934,313
Fair Value
Due within one year	2,276,677
Due after 1 year but within 5 years	356,479
Due after 5 years but within 10 years	334,302
Due after 10 years	8,501,741
Fair Value	$ 11,469,199	$ 11,632,987

INVESTMENT SECURITIES (Contra_2

INVESTMENT SECURITIES (Contractual Maturity of HTM Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value
Due after 10 years	$ 2,674,628
Total	2,674,628	$ 2,676,049
Amortized Cost
Due after 10 years	2,711,701
Amortized Cost	$ 2,711,701	$ 2,750,680

INVESTMENT SECURITIES (Gross Un

INVESTMENT SECURITIES (Gross Unrealized Loss and Fair Value of AFS Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value
Less than 12 months	$ 256,399	$ 1,011,758
12 months or longer	9,343,131	9,394,105
Unrealized Losses
Less than 12 months	(673)	(11,350)
12 months or longer	(181,611)	(296,827)
U.S. Treasury securities
Fair Value
Less than 12 months	79,730	288,660
12 months or longer	1,000,876	914,212
Unrealized Losses
Less than 12 months	(8)	(315)
12 months or longer	(7,550)	(11,414)
Corporate debt securities
Fair Value
Less than 12 months	92,223	152,247
12 months or longer	0	13
Unrealized Losses
Less than 12 months	(23)	(62)
12 months or longer	0	0
ABS
Fair Value
Less than 12 months	0	31,888
12 months or longer	100,912	77,766
Unrealized Losses
Less than 12 months	0	(249)
12 months or longer	(1,954)	(1,895)
GNMA - Residential
Fair Value
Less than 12 months	53,732	102,418
12 months or longer	2,351,854	2,521,278
Unrealized Losses
Less than 12 months	(369)	(2,014)
12 months or longer	(48,457)	(83,661)
GNMA - Commercial
Fair Value
Less than 12 months	25,190	199,495
12 months or longer	661,536	622,989
Unrealized Losses
Less than 12 months	(162)	(2,982)
12 months or longer	(12,361)	(16,533)
FHLMC and FNMA - Residential
Fair Value
Less than 12 months	5,524	237,050
12 months or longer	5,205,939	5,236,028
Unrealized Losses
Less than 12 months	(111)	(5,728)
12 months or longer	(111,113)	(182,787)
FHLMC and FNMA - Commercial
Fair Value
Less than 12 months	0	0
12 months or longer	22,014	21,819
Unrealized Losses
Less than 12 months	0	0
12 months or longer	$ (176)	$ (537)

INVESTMENT SECURITIES (Gross _2

INVESTMENT SECURITIES (Gross Unrealized Loss and Fair Value of HTM Debt Securities) (Details) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value
Less than 12 months	$ 25,885	$ 426,823
12 months or longer	2,030,776	1,925,401
Unrealized Losses
Less than 12 months	(27)	(10,382)
12 months or longer	(45,096)	(67,481)
GNMA - Residential
Fair Value
Less than 12 months	0	205,573
12 months or longer	1,231,013	1,295,554
Unrealized Losses
Less than 12 months	0	(4,810)
12 months or longer	(29,260)	(49,374)
GNMA - Commercial
Fair Value
Less than 12 months	25,885	221,250
12 months or longer	799,763	629,847
Unrealized Losses
Less than 12 months	(27)	(5,572)
12 months or longer	$ (15,836)	$ (18,107)

INVESTMENT SECURITIES (Other-Th

INVESTMENT SECURITIES (Other-Than-Temporary Impairment) (Details)	Mar. 31, 2019security
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position	821

INVESTMENT SECURITIES (Gains (L

INVESTMENT SECURITIES (Gains (Losses) and Proceeds on Sale of Investment Securities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Proceeds from the sales of AFS securities	$ 282,872	$ 39,446
Gross realized gains	811	108
Gross realized losses	(2,811)	(771)
OTTI	0	0
Net (loss) recognized in earnings	(2,000)	(663)
Net realized gains/(losses) on trading securities	$ (300)	$ (600)

INVESTMENT SECURITIES (Schedule

INVESTMENT SECURITIES (Schedule of Other Investments) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
FHLB of Pittsburgh and FRB stock	$ 634,366	$ 631,239
Low Income Housing Tax Credit investments (LIHTC)	199,105	163,113
Equity securities not held for trading	53,845	10,995
Trading securities	6,228	10
Total	$ 893,544	$ 805,357

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Loans Receivable [Line Items]
Loans pledged as collateral		$ 50,400,000		$ 49,500,000
Loans held-for-sale (LHFS)	[1]	1,212,578		1,283,278
Accrued interest receivable		537,307		566,602
Financing receivable		$ 90,416,838		88,329,146
Percentage of payment needed on past due loans for qualification		90.00%
Minimum amount for commercial non-accrual loans (in excess of)		$ 1,000
Troubled debt restructurings		$ 5,494,866		5,922,352
TDR, threshold period of sustained repayment performance		6 months
TDR, threshold period loan needed to remain current prior to modification to remain on accrual status		6 months
TDRs, number of days past due after modification considered to have subsequently defaulted		90 days
Performing
Loans Receivable [Line Items]
Interest income		$ 205,400		761,000
Troubled debt restructurings		4,774,676		5,014,224
SC | Chrysler Capital Loans
Loans Receivable [Line Items]
Loans purchased/originated		$ 2,400,000	$ 2,000,000
SC | Chrysler Capital Loans | Accounts Receivable | Credit Concentration Risk
Loans Receivable [Line Items]
Percentage of loan origination		61.00%	46.00%
Loans receivable
Loans Receivable [Line Items]
Accrued interest receivable		$ 497,500		524,000
Retail installment contracts and auto loans | SC | Chrysler Capital Loans
Loans Receivable [Line Items]
Financing receivable		$ 9,200,000		$ 9,000,000
Retail installment contracts and auto loans | SC | Chrysler Capital Loans | Accounts Receivable | Credit Concentration Risk
Loans Receivable [Line Items]
Percentage of loan origination		36.00%		36.00%
Retail installment contracts
Loans Receivable [Line Items]
TDRs, number of days past due after modification considered to have subsequently defaulted		120 days
Consumer | Personal unsecured loans
Loans Receivable [Line Items]
LHFS		$ 1,000,000		$ 1,100,000
Financing receivable		$ 2,442,906		$ 2,600,465
[1]	Includes $188.3 million and $209.5 million of loans recorded at the fair value option ("FVO") at March 31, 2019 and December 31, 2018, respectively.

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Loan and Lease Portfolio Composition) (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Loans Receivable [Line Items]
Total loans held for investment	[1],[2]	$ 89,204,260	$ 87,045,868
Loans held for investment with fixed rate of interest		58,101,354	56,696,491
Loans held for investment with variable rate of interest		$ 31,102,906	$ 30,349,377
Loans held for investment, percent of total loans		100.00%	100.00%
Loans held for investment with fixed rate of interest, percent of total loans		65.10%	65.10%
Loans held for investment with variable rate of interest, percent of total loans		34.90%	34.90%
Net increase in loan balances		$ 1,700,000	$ 1,400,000
Commercial
Loans Receivable [Line Items]
Total loans held for investment		$ 41,593,471	$ 40,381,758
Loans held for investment, percent of total loans		46.60%	46.40%
Commercial | Commercial real estate (CRE) loans
Loans Receivable [Line Items]
Total loans held for investment		$ 8,709,750	$ 8,704,481
Loans held for investment, percent of total loans		9.80%	10.00%
Commercial | Commercial and industrial (C&I) loans
Loans Receivable [Line Items]
Total loans held for investment		$ 16,504,188	$ 15,738,158
Loans held for investment, percent of total loans		18.50%	18.10%
Commercial | Multifamily loans
Loans Receivable [Line Items]
Total loans held for investment		$ 8,492,025	$ 8,309,115
Loans held for investment, percent of total loans		9.50%	9.50%
Commercial | Other commercial
Loans Receivable [Line Items]
Total loans held for investment		$ 7,887,508	$ 7,630,004
Loans held for investment, percent of total loans		8.80%	8.80%
Consumer
Loans Receivable [Line Items]
Total loans held for investment		$ 47,610,789	$ 46,664,110
Loans held for investment, percent of total loans		53.40%	53.60%
Consumer | RICs and auto loans - originated
Loans Receivable [Line Items]
Total loans held for investment		$ 29,843,248	$ 28,532,085
Consumer loans secured by real estate
Loans Receivable [Line Items]
Total loans held for investment		$ 15,281,768	$ 15,350,132
Loans held for investment, percent of total loans		17.20%	17.70%
Consumer loans secured by real estate | Residential mortgages
Loans Receivable [Line Items]
Total loans held for investment		$ 9,952,521	$ 9,884,462
Loans held for investment, percent of total loans		11.20%	11.40%
Consumer loans secured by real estate | Home equity loans and lines of credit
Loans Receivable [Line Items]
Total loans held for investment		$ 5,329,247	$ 5,465,670
Loans held for investment, percent of total loans		6.00%	6.30%
Consumer loans not secured by real estate | RICs and auto loans - originated
Loans Receivable [Line Items]
Total loans held for investment		$ 29,843,248	$ 28,532,085
Loans held for investment, percent of total loans		33.50%	32.80%
Consumer loans not secured by real estate | RICs and auto loans - purchased
Loans Receivable [Line Items]
Total loans held for investment		$ 613,649	$ 803,135
Loans held for investment, percent of total loans		0.70%	0.90%
Consumer loans not secured by real estate | Personal unsecured loans
Loans Receivable [Line Items]
Total loans held for investment		$ 1,468,889	$ 1,531,708
Loans held for investment, percent of total loans		1.60%	1.80%
Consumer loans not secured by real estate | Other consumer
Loans Receivable [Line Items]
Total loans held for investment		$ 403,235	$ 447,050
Loans held for investment, percent of total loans		0.40%	0.40%
[1]	LHFI includes $114.8 million and $126.3 million of loans recorded at fair value at March 31, 2019 and December 31, 2018, respectively.
[2]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Retail Installment Contracts and Auto Loans) (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Loans Receivable [Line Items]
Total loans held for investment	[1],[2]	$ 89,204,260	$ 87,045,868
Consumer
Loans Receivable [Line Items]
Total loans held for investment		47,610,789	46,664,110
Purchase marks, FVO		1,700	2,100
Consumer | Retail installment contracts and auto loans
Loans Receivable [Line Items]
Total loans held for investment		30,456,897	29,335,220
Consumer | RICs - Purchased HFI
Loans Receivable [Line Items]
Unpaid principal balance (UPB)		645,381	844,582
UPB, FVO		7,492	9,678
Total UPB		652,873	854,260
Purchase marks		(39,224)	(51,125)
Total loans held for investment		613,649	803,135
Consumer | RICs - Originated HFI
Loans Receivable [Line Items]
Total UPB		27,621,076	27,049,875
Net discount		(105,819)	(135,489)
Total loans held for investment		27,515,257	26,914,386
Consumer | Auto Loans
Loans Receivable [Line Items]
Total loans held for investment		2,327,991	1,617,699
Consumer | RICs - Originated
Loans Receivable [Line Items]
Total loans held for investment		$ 29,843,248	$ 28,532,085
[1]	LHFI includes $114.8 million and $126.3 million of loans recorded at fair value at March 31, 2019 and December 31, 2018, respectively.
[2]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Rollforward of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	$ 3,897,130	$ 3,994,887
Provision for loan and lease losses	603,026	573,126
Charge-offs	(1,448,494)	(1,255,387)
Recoveries	791,433	671,750
Charge-offs, net of recoveries	(657,061)	(583,637)
ALLL, end of period	3,843,095	3,984,376
Reserve for Unfunded Lending Commitments Roll Forward [Roll Forward]
Reserve for unfunded lending commitments, beginning of period	95,500	109,111
(Release of) / Provision for reserve for unfunded lending commitments	(2,815)	(19,246)
Reserve for unfunded lending commitments, end of period	92,685	89,865
Total ACL, end of period	3,935,780	4,074,241
Ending balance, individually evaluated for impairment	1,414,694	1,844,590
Ending balance, collectively evaluated for impairment	2,428,401	2,139,786
Financing receivables:
Ending balance	90,416,838	82,174,478
Ending balance, evaluated under the FVO or lower of cost or fair value	1,311,693	1,994,068
Ending balance, individually evaluated for impairment	5,794,690	7,001,000
Ending balance, collectively evaluated for impairment	83,310,455	73,179,410
Commercial
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	441,086	443,796
Provision for loan and lease losses	21,974	41,232
Charge-offs	(23,601)	(32,960)
Recoveries	8,532	10,006
Charge-offs, net of recoveries	(15,069)	(22,954)
ALLL, end of period	447,991	462,074
Reserve for Unfunded Lending Commitments Roll Forward [Roll Forward]
Reserve for unfunded lending commitments, beginning of period	89,472	108,805
(Release of) / Provision for reserve for unfunded lending commitments	(2,909)	(19,263)
Reserve for unfunded lending commitments, end of period	86,563	89,542
Total ACL, end of period	534,554	551,616
Ending balance, individually evaluated for impairment	95,309	94,993
Ending balance, collectively evaluated for impairment	352,682	367,081
Financing receivables:
Ending balance	41,637,571	38,400,180
Ending balance, evaluated under the FVO or lower of cost or fair value	44,099	195,721
Ending balance, individually evaluated for impairment	447,725	568,557
Ending balance, collectively evaluated for impairment	41,145,747	37,635,902
Consumer
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	3,409,021	3,504,068
Provision for loan and lease losses	581,052	531,894
Charge-offs	(1,424,618)	(1,222,427)
Recoveries	782,901	661,744
Charge-offs, net of recoveries	(641,717)	(560,683)
ALLL, end of period	3,348,356	3,475,279
Reserve for Unfunded Lending Commitments Roll Forward [Roll Forward]
Reserve for unfunded lending commitments, beginning of period	6,028	306
(Release of) / Provision for reserve for unfunded lending commitments	94	17
Reserve for unfunded lending commitments, end of period	6,122	323
Total ACL, end of period	3,354,478	3,475,602
Ending balance, individually evaluated for impairment	1,319,385	1,749,597
Ending balance, collectively evaluated for impairment	2,028,971	1,725,682
Financing receivables:
Ending balance	48,779,267	43,774,298
Ending balance, evaluated under the FVO or lower of cost or fair value	1,267,594	1,798,347
Ending balance, individually evaluated for impairment	5,346,965	6,432,443
Ending balance, collectively evaluated for impairment	42,164,708	35,543,508
Consumer | Total
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	3,186,318	3,246,523
Provision for loan and lease losses	545,847	522,675
Charge-offs	(1,383,216)	(1,187,516)
Recoveries	773,380	654,851
Charge-offs, net of recoveries	(609,836)	(532,665)
ALLL, end of period	3,122,329	3,236,533
Consumer | Purchased
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	193,742	384,167
Provision for loan and lease losses	(24,084)	(15,830)
Charge-offs	(51,312)	(105,510)
Recoveries	33,533	59,899
Charge-offs, net of recoveries	(17,779)	(45,611)
ALLL, end of period	151,879	322,726
Consumer | Originated
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	2,992,576	2,862,356
Provision for loan and lease losses	569,931	538,505
Charge-offs	(1,331,904)	(1,082,006)
Recoveries	739,847	594,952
Charge-offs, net of recoveries	(592,057)	(487,054)
ALLL, end of period	2,970,450	2,913,807
Unallocated
Allowance for Loan Losses [Roll Forward]
ALLL, beginning of period	47,023	47,023
Provision for loan and lease losses	0	0
Charge-offs	(275)	0
Recoveries	0	0
Charge-offs, net of recoveries	(275)	0
ALLL, end of period	46,748	47,023
Reserve for Unfunded Lending Commitments Roll Forward [Roll Forward]
Reserve for unfunded lending commitments, beginning of period	0	0
(Release of) / Provision for reserve for unfunded lending commitments	0	0
Reserve for unfunded lending commitments, end of period	0	0
Total ACL, end of period	46,748	47,023
Ending balance, individually evaluated for impairment	0	0
Ending balance, collectively evaluated for impairment	46,748	47,023
Financing receivables:
Ending balance	0	0
Ending balance, evaluated under the FVO or lower of cost or fair value	0	0
Ending balance, individually evaluated for impairment	0	0
Ending balance, collectively evaluated for impairment	$ 0	$ 0

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Non-accrual Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	$ 1,976,205	$ 2,255,437	$ 1,911,083
Foreclosed and other repossessed assets	199,393	225,890
Nonperforming
Financing Receivable, Recorded Investment, Past Due [Line Items]
Other real estate owned (OREO)	106,097	107,868
Repossessed vehicles	196,886	224,046
Foreclosed and other repossessed assets	2,507	1,844
Total OREO and other repossessed assets	305,490	333,758
Total non-performing assets	2,281,695	2,589,195	2,210,480
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	392,981	364,698
Commercial | CRE
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	82,504	88,500
Commercial | C&I
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	214,093	189,827
Commercial | Multifamily
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	8,994	13,530
Commercial | Other commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	87,390	72,841
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	1,583,224	1,890,739
Consumer | Residential mortgages
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	207,344	216,815
Consumer | Home equity loans and lines of credit
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	112,445	115,813
Consumer | RICs and auto loans - originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	1,184,193	1,455,406	$ 874,064
Consumer | RICs and auto loans - purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	66,935	89,916
Consumer | Personal unsecured loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	3,538	3,602
Consumer | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans	$ 8,769	$ 9,187

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Age Analysis of Past Due Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 4,766,469	$ 5,714,660
Current	85,650,369	82,614,486	$ 77,704,486
Total Financing Receivables	90,416,838	88,329,146
Recorded Investment Greater than 90 Days and Accruing	86,413	98,979
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,989,462	4,772,117	3,652,230
90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	777,007	942,543	817,762
Commercial | CRE
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	94,537	69,496
Current	8,615,213	8,634,985
Total Financing Receivables	8,709,750	8,704,481
Recorded Investment Greater than 90 Days and Accruing	0	0
Commercial | CRE | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	27,837	20,179
Commercial | CRE | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	66,700	49,317
Commercial | C&I
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	158,552	135,705
Current	16,389,735	15,602,453
Total Financing Receivables	16,548,287	15,738,158
Recorded Investment Greater than 90 Days and Accruing	0	0
LHFS	44,100
Commercial | C&I | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	105,259	61,495
Commercial | C&I | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	53,293	74,210
Commercial | Multifamily
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	47,686	5,652
Current	8,444,339	8,303,463
Total Financing Receivables	8,492,025	8,309,115
Recorded Investment Greater than 90 Days and Accruing	0	0
Commercial | Multifamily | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	46,087	1,078
Commercial | Multifamily | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,599	4,574
Commercial | Other commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	68,090	21,411
Current	7,819,419	7,608,593
Total Financing Receivables	7,887,509	7,630,004
Recorded Investment Greater than 90 Days and Accruing	0	6
Commercial | Other commercial | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	63,542	16,081
Commercial | Other commercial | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,548	5,330
Consumer | Residential mortgages
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	325,585	357,487
Current	9,821,397	9,741,496
Total Financing Receivables	10,146,982	10,098,983
Recorded Investment Greater than 90 Days and Accruing	0	0
LHFS	194,500	214,500
Consumer | Residential mortgages | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	164,566	186,222
Consumer | Residential mortgages | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	161,019	171,265
Consumer | Home equity loans and lines of credit
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	127,963	138,367
Current	5,201,284	5,327,303
Total Financing Receivables	5,329,247	5,465,670
Recorded Investment Greater than 90 Days and Accruing	0	0
Consumer | Home equity loans and lines of credit | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	51,584	58,507
Consumer | Home equity loans and lines of credit | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	76,379	79,860
Consumer | RICs and auto loans - originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,546,773	4,495,834
Current	26,296,475	24,036,251	21,273,648
Total Financing Receivables	29,843,248	28,532,085
Recorded Investment Greater than 90 Days and Accruing	0	0
Consumer | RICs and auto loans - originated | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,247,752	4,076,015	2,777,295
Consumer | RICs and auto loans - originated | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	299,021	419,819	$ 248,407
Consumer | RICs and auto loans - purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	182,282	264,527
Current	431,367	538,608
Total Financing Receivables	613,649	803,135
Recorded Investment Greater than 90 Days and Accruing	0	0
Consumer | RICs and auto loans - purchased | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	169,793	242,604
Consumer | RICs and auto loans - purchased | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	12,489	21,923
Consumer | Personal unsecured loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	187,555	196,138
Current	2,255,351	2,404,327
Total Financing Receivables	2,442,906	2,600,465
Recorded Investment Greater than 90 Days and Accruing	86,413	98,973
LHFS	1,000,000	1,100,000
Consumer | Personal unsecured loans | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	97,577	93,675
Consumer | Personal unsecured loans | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	89,978	102,463
Consumer | Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	27,446	30,043
Current	375,789	417,007
Total Financing Receivables	403,235	447,050
Recorded Investment Greater than 90 Days and Accruing	0	0
Consumer | Other consumer | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	15,465	16,261
Consumer | Other consumer | 90 Days or Greater
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 11,981	$ 13,782

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, recorded investment	$ 5,787,223	$ 6,216,533
Impaired financing receivable, UPB	6,020,953	6,475,327
Impaired financing receivable, related specific reserves	1,414,694	1,551,294
Impaired financing receivables, average recorded investment	6,001,883	6,708,272
Commercial
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, recorded investment	434,694	429,476
Impaired financing receivable, UPB	483,206	476,078
Impaired financing receivable, related specific reserves	95,309	94,120
Impaired financing receivables, average recorded investment	432,088	503,722
Commercial | CRE
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	74,425	79,056
Impaired financing receivable with related allowance recorded, recorded investment	51,918	58,861
Impaired financing receivable with no related allowance recorded, UPB	83,594	88,960
Impaired financing receivable with related allowance recorded, UPB	59,844	66,645
Impaired financing receivable, related specific reserves	6,951	6,449
Impaired financing receivable with no related allowance recorded, average recorded investment	76,741	102,731
Impaired financing receivable with related allowance recorded, average recorded investment	55,390	78,271
Commercial | C&I
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	42,472	25,859
Impaired financing receivable with related allowance recorded, recorded investment	176,353	180,178
Impaired financing receivable with no related allowance recorded, UPB	52,697	36,067
Impaired financing receivable with related allowance recorded, UPB	196,603	197,937
Impaired financing receivable, related specific reserves	64,850	66,329
Impaired financing receivable with no related allowance recorded, average recorded investment	34,166	54,200
Impaired financing receivable with related allowance recorded, average recorded investment	178,266	178,474
Commercial | Multifamily
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	10,077	18,260
Impaired financing receivable with related allowance recorded, recorded investment	0	0
Impaired financing receivable with no related allowance recorded, UPB	10,984	19,175
Impaired financing receivable with related allowance recorded, UPB	0	0
Impaired financing receivable, related specific reserves	0	0
Impaired financing receivable with no related allowance recorded, average recorded investment	14,169	14,074
Impaired financing receivable with related allowance recorded, average recorded investment	0	3,101
Commercial | Other commercial
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	13,528	7,348
Impaired financing receivable with related allowance recorded, recorded investment	65,921	59,914
Impaired financing receivable with no related allowance recorded, UPB	13,563	7,380
Impaired financing receivable with related allowance recorded, UPB	65,921	59,914
Impaired financing receivable, related specific reserves	23,508	21,342
Impaired financing receivable with no related allowance recorded, average recorded investment	10,438	4,058
Impaired financing receivable with related allowance recorded, average recorded investment	62,918	68,813
Consumer
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, recorded investment	5,352,529	5,787,057
Impaired financing receivable, UPB	5,537,747	5,999,249
Impaired financing receivable, related specific reserves	1,319,385	1,457,174
Impaired financing receivables, average recorded investment	5,569,795	6,204,550
Consumer | Residential mortgages
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	141,221	144,899
Impaired financing receivable with related allowance recorded, recorded investment	255,166	253,965
Impaired financing receivable with no related allowance recorded, UPB	194,953	201,905
Impaired financing receivable with related allowance recorded, UPB	291,999	289,447
Impaired financing receivable, related specific reserves	28,234	29,156
Impaired financing receivable with no related allowance recorded, average recorded investment	143,060	126,110
Impaired financing receivable with related allowance recorded, average recorded investment	254,566	288,029
Consumer | Home equity loans and lines of credit
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	45,176	46,069
Impaired financing receivable with related allowance recorded, recorded investment	64,226	60,540
Impaired financing receivable with no related allowance recorded, UPB	47,208	48,021
Impaired financing receivable with related allowance recorded, UPB	74,872	71,475
Impaired financing receivable, related specific reserves	4,294	4,272
Impaired financing receivable with no related allowance recorded, average recorded investment	45,623	49,233
Impaired financing receivable with related allowance recorded, average recorded investment	62,383	62,684
Consumer | RICs and auto loans - originated
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	0	1
Impaired financing receivable with related allowance recorded, recorded investment	4,318,164	4,630,614
Impaired financing receivable with no related allowance recorded, UPB	0	1
Impaired financing receivable with related allowance recorded, UPB	4,331,157	4,652,013
Impaired financing receivable, related specific reserves	1,133,183	1,231,164
Impaired financing receivable with no related allowance recorded, average recorded investment	1	1
Impaired financing receivable with related allowance recorded, average recorded investment	4,474,389	4,742,820
Consumer | RICs and auto loans - purchased
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	5,565	7,061
Impaired financing receivable with related allowance recorded, recorded investment	494,097	614,071
Impaired financing receivable with no related allowance recorded, UPB	7,149	9,071
Impaired financing receivable with related allowance recorded, UPB	558,409	694,000
Impaired financing receivable, related specific reserves	146,232	184,545
Impaired financing receivable with no related allowance recorded, average recorded investment	6,313	11,627
Impaired financing receivable with related allowance recorded, average recorded investment	554,084	890,274
Consumer | Personal unsecured loans
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	20	4
Impaired financing receivable with related allowance recorded, recorded investment	15,685	16,182
Impaired financing receivable with no related allowance recorded, UPB	20	4
Impaired financing receivable with related allowance recorded, UPB	15,814	16,446
Impaired financing receivable, related specific reserves	6,210	6,875
Impaired financing receivable with no related allowance recorded, average recorded investment	12	42
Impaired financing receivable with related allowance recorded, average recorded investment	15,934	16,330
Consumer | Other consumer
Financing Receivable, Impaired [Line Items]
Impaired financing receivable with no related allowance recorded, recorded investment	3,195	3,591
Impaired financing receivable with related allowance recorded, recorded investment	10,014	10,060
Impaired financing receivable with no related allowance recorded, UPB	3,195	3,591
Impaired financing receivable with related allowance recorded, UPB	12,971	13,275
Impaired financing receivable, related specific reserves	1,232	1,162
Impaired financing receivable with no related allowance recorded, average recorded investment	3,393	6,574
Impaired financing receivable with related allowance recorded, average recorded investment	$ 10,037	$ 10,826

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Lending Asset Quality Indicators) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	$ 41,637,571	$ 40,381,758
Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	38,255,796	37,197,587
Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	1,805,159	1,672,376
Substandard
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	894,562	850,572
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	108,727	103,045
N/A
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	573,327	558,178
CRE
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	8,709,750	8,704,481
CRE | Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	7,751,438	7,655,627
CRE | Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	538,203	628,097
CRE | Substandard
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	373,474	373,356
CRE | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	3,889	4,655
CRE | N/A
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	42,746	42,746
C&I
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	16,548,287	15,738,158
C&I | Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	14,741,539	14,003,134
C&I | Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	782,001	772,704
C&I | Substandard
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	455,380	408,515
C&I | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	38,786	38,373
C&I | N/A
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	530,581	515,432
Multifamily
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	8,492,025	8,309,115
Multifamily | Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	8,262,331	8,072,407
Multifamily | Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	204,314	204,262
Multifamily | Substandard
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	25,380	32,446
Multifamily | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	0	0
Multifamily | N/A
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	0	0
Remaining commercial
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	7,887,509	7,630,004
Remaining commercial | Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	7,500,488	7,466,419
Remaining commercial | Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	280,641	67,313
Remaining commercial | Substandard
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	40,328	36,255
Remaining commercial | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	66,052	60,017
Remaining commercial | N/A
Financing Receivable, Recorded Investment [Line Items]
Commercial loans	$ 0	$ 0

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Consumer Lending Asset Quality Indicators - Credit Score) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loans Receivable [Line Items]
Financing receivable	$ 90,416,838	$ 88,329,146
Consumer | RICs and auto loans
Loans Receivable [Line Items]
Financing receivable	$ 30,456,897	$ 29,335,220
Percent, RICs and auto loans	100.00%	100.00%
Consumer | RICs and auto loans | FICO score not applicable
Loans Receivable [Line Items]
Financing receivable	$ 3,236,902	$ 3,136,449
Percent, RICs and auto loans	10.60%	10.70%
Consumer | RICs and auto loans | FICO score less than 600
Loans Receivable [Line Items]
Financing receivable	$ 15,208,232	$ 14,884,385
Percent, RICs and auto loans	49.90%	50.70%
Consumer | RICs and auto loans | FICO score of 600 to 639
Loans Receivable [Line Items]
Financing receivable	$ 5,414,127	$ 5,185,412
Percent, RICs and auto loans	17.80%	17.70%
Consumer | RICs and auto loans | FICO Score of 640 to 679
Loans Receivable [Line Items]
Financing receivable	$ 4,968,013	$ 4,758,394
Percent, RICs and auto loans	16.30%	16.20%
Consumer | RICs and auto loans | FICO Score of 680 to 719
Loans Receivable [Line Items]
Financing receivable	$ 369,272	$ 289,270
Percent, RICs and auto loans	1.20%	1.00%
Consumer | RICs and auto loans | FICO Score of 720 to 759
Loans Receivable [Line Items]
Financing receivable	$ 356,081	$ 283,052
Percent, RICs and auto loans	1.20%	1.00%
Consumer | RICs and auto loans | FICO Score Equal to or Greater than 760
Loans Receivable [Line Items]
Financing receivable	$ 904,270	$ 798,258
Percent, RICs and auto loans	3.00%	2.70%

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Consumer Lending Asset Quality Indicators - FICO and CLTV Range) (Details) - Consumer - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	$ 9,952,521	$ 9,884,462
Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	5,329,247	5,465,670
LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	56,373	88,175
LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	135,430	140,171
LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	6,058,163	5,837,978
LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	3,790,966	3,787,074
LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	2,155,472	2,271,074
LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	1,230,359	1,348,440
LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	903,467	859,219
LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	735,333	781,005
LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	107,113	118,227
LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	17,629	19,697
LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	26,084	27,314
LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	65,379	71,758
FICO score not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	58,689	92,696
FICO score not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	132,745	134,479
FICO score not applicable | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	55,818	87,808
FICO score not applicable | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	131,248	133,436
FICO score not applicable | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	2,871	4,465
FICO score not applicable | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	1,046	841
FICO score not applicable | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	0
FICO score not applicable | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	451	197
FICO score not applicable | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	0
FICO score not applicable | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	423
FICO score not applicable | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	0	0
FICO score not applicable | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	0
FICO score not applicable | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	0
FICO score not applicable | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	0	5
FICO score less than 600 | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	334,021	349,359
FICO score less than 600 | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	295,611	295,804
FICO score less than 600 | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	70	69
FICO score less than 600 | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	1,066	1,130
FICO score less than 600 | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	209,547	225,647
FICO score less than 600 | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	212,854	209,536
FICO score less than 600 | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	50,759	54,101
FICO score less than 600 | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	62,843	64,202
FICO score less than 600 | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	39,104	35,625
FICO score less than 600 | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	26,952	26,863
FICO score less than 600 | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	13,389	14,948
FICO score less than 600 | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	2,843	2,450
FICO score less than 600 | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	4,746	4,604
FICO score less than 600 | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	5,459	5,988
FICO score of 600 to 639 | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	285,844	279,540
FICO score of 600 to 639 | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	222,785	226,037
FICO score of 600 to 639 | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	35
FICO score of 600 to 639 | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	311	398
FICO score of 600 to 639 | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	161,343	157,281
FICO score of 600 to 639 | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	168,783	166,384
FICO score of 600 to 639 | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	47,641	47,712
FICO score of 600 to 639 | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	44,896	48,543
FICO score of 600 to 639 | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	35,657	34,124
FICO score of 600 to 639 | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	38,920	37,901
FICO score of 600 to 639 | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	5,383	7,932
FICO score of 600 to 639 | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	800	943
FICO score of 600 to 639 | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	1,483	1,544
FICO score of 600 to 639 | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	3,412	2,780
FICO Score of 640 to 679 | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	600,931	602,861
FICO Score of 640 to 679 | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	426,414	436,696
FICO Score of 640 to 679 | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	120	0
FICO Score of 640 to 679 | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	694	919
FICO Score of 640 to 679 | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	311,642	308,780
FICO Score of 640 to 679 | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	304,570	305,642
FICO Score of 640 to 679 | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	102,931	112,811
FICO Score of 640 to 679 | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	103,486	112,937
FICO Score of 640 to 679 | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	81,360	76,512
FICO Score of 640 to 679 | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	100,966	101,057
FICO Score of 640 to 679 | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	11,713	10,311
FICO Score of 640 to 679 | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	1,908	1,934
FICO Score of 640 to 679 | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	2,004	1,767
FICO Score of 640 to 679 | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	5,951	6,887
FICO Score of 680 to 719 | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	1,141,816	1,159,192
FICO Score of 680 to 719 | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	754,253	774,780
FICO Score of 680 to 719 | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	0	0
FICO Score of 680 to 719 | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	710	869
FICO Score of 680 to 719 | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	568,546	560,920
FICO Score of 680 to 719 | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	528,051	527,374
FICO Score of 680 to 719 | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	256,941	266,877
FICO Score of 680 to 719 | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	195,615	215,824
FICO Score of 680 to 719 | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	144,411	148,283
FICO Score of 680 to 719 | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	165,126	175,889
FICO Score of 680 to 719 | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	18,069	17,231
FICO Score of 680 to 719 | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	3,473	3,630
FICO Score of 680 to 719 | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	3,319	3,593
FICO Score of 680 to 719 | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	11,808	13,482
FICO Score of 720 to 759 | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	2,025,659	2,037,049
FICO Score of 720 to 759 | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	1,023,503	1,061,611
FICO Score of 720 to 759 | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	50	50
FICO Score of 720 to 759 | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	97	1,139
FICO Score of 720 to 759 | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	1,099,396	1,061,969
FICO Score of 720 to 759 | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	733,174	732,467
FICO Score of 720 to 759 | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	492,524	535,840
FICO Score of 720 to 759 | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	260,357	292,516
FICO Score of 720 to 759 | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	218,525	210,046
FICO Score of 720 to 759 | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	204,800	218,177
FICO Score of 720 to 759 | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	17,718	20,812
FICO Score of 720 to 759 | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	3,987	4,263
FICO Score of 720 to 759 | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	6,377	6,704
FICO Score of 720 to 759 | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	12,157	14,677
FICO Score Equal to or Greater than 760 | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	5,505,561	5,363,765
FICO Score Equal to or Greater than 760 | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	2,473,936	2,536,263
FICO Score Equal to or Greater than 760 | LTV not applicable | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	315	213
FICO Score Equal to or Greater than 760 | LTV not applicable | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	1,304	2,280
FICO Score Equal to or Greater than 760 | LTV less than or equal to 70% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	3,704,818	3,518,916
FICO Score Equal to or Greater than 760 | LTV less than or equal to 70% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	1,842,488	1,844,830
FICO Score Equal to or Greater than 760 | LTV of 70.01% to 80% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	1,204,676	1,253,733
FICO Score Equal to or Greater than 760 | LTV of 70.01% to 90% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	562,711	614,221
FICO Score Equal to or Greater than 760 | LTV of 80.01% to 90% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	384,410	354,629
FICO Score Equal to or Greater than 760 | LTV of 90.01% to 100% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	198,569	220,695
FICO Score Equal to or Greater than 760 | LTV of 90.01% to 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	40,841	46,993
FICO Score Equal to or Greater than 760 | LTV of 100.01% to 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	4,618	6,477
FICO Score Equal to or Greater than 760 | LTV greater than 110% | Residential Mortgages
Loans Receivable [Line Items]
Financing receivables	8,155	9,102
FICO Score Equal to or Greater than 760 | LTV greater than 110% | Home Equity Loans and Lines of Credit
Loans Receivable [Line Items]
Financing receivables	$ 26,592	$ 27,939

LOANS AND ALLOWANCE FOR CRED_13

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Troubled Debt Restructuring Activity) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)contract	Mar. 31, 2018USD ($)contract	Dec. 31, 2018USD ($)
Financing Receivable, Modifications [Line Items]
Troubled debt restructurings	$ 5,494,866		$ 5,922,352
Number of Contracts | contract	20,014	39,790
Pre-TDR Recorded Investment	$ 384,813	$ 639,212
Post-TDR Recorded Investment	$ 387,112	$ 635,314
TDRs which Subsequently Defaulted
Number of Contracts | contract	7,694	14,472
Recorded Investment	$ 131,804	$ 216,145
Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	(34)	(1,507)
Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ 2,333	$ (2,391)
Commercial | CRE
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	17	27
Pre-TDR Recorded Investment	$ 44,709	$ 34,507
Post-TDR Recorded Investment	$ 45,815	$ 33,365
TDRs which Subsequently Defaulted
Number of Contracts | contract	1	2
Recorded Investment	$ 130	$ 284
Commercial | CRE | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	395	(11)
Commercial | CRE | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ 711	$ (1,131)
Commercial | C&I
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	24	80
Pre-TDR Recorded Investment	$ 620	$ 3,725
Post-TDR Recorded Investment	$ 621	$ 3,590
TDRs which Subsequently Defaulted
Number of Contracts | contract	15	52
Recorded Investment	$ 591	$ 1,520
Commercial | C&I | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	1	(4)
Commercial | C&I | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ 0	$ (131)
Consumer | Residential mortgages
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	26	61
Pre-TDR Recorded Investment	$ 3,513	$ 9,927
Post-TDR Recorded Investment	$ 3,670	$ 9,207
TDRs which Subsequently Defaulted
Number of Contracts | contract	53	64
Recorded Investment	$ 4,802	$ 8,868
Consumer | Residential mortgages | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	0	0
Consumer | Residential mortgages | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ 157	$ (720)
Consumer | Home equity loans and lines of credit
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	41	94
Pre-TDR Recorded Investment	$ 5,077	$ 6,104
Post-TDR Recorded Investment	$ 5,498	$ 5,872
TDRs which Subsequently Defaulted
Number of Contracts | contract	6	7
Recorded Investment	$ 425	$ 551
Consumer | Home equity loans and lines of credit | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	0	0
Consumer | Home equity loans and lines of credit | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ 421	$ (232)
Consumer | RICs and auto loans
TDRs which Subsequently Defaulted
Number of Contracts | contract	7,559	12,022
Recorded Investment	$ 125,322	$ 201,669
Consumer | RICs and auto loans - originated
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	19,431	32,787
Pre-TDR Recorded Investment	$ 328,173	$ 562,736
Post-TDR Recorded Investment	328,794	561,488
Consumer | RICs and auto loans - originated | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	(432)	(1,175)
Consumer | RICs and auto loans - originated | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ 1,053	$ (73)
Consumer | RICs - purchased
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	418	1,895
Pre-TDR Recorded Investment	$ 1,969	$ 14,217
Post-TDR Recorded Investment	1,966	13,899
Consumer | RICs - purchased | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	2	(316)
Consumer | RICs - purchased | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ (5)	$ (2)
Consumer | Personal unsecured loans
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	51	4,833
Pre-TDR Recorded Investment	$ 570	$ 7,860
Post-TDR Recorded Investment	$ 567	$ 7,762
TDRs which Subsequently Defaulted
Number of Contracts | contract	60	2,324
Recorded Investment	$ 534	$ 3,243
Consumer | Personal unsecured loans | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	0	0
Consumer | Personal unsecured loans | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	$ (3)	$ (98)
Consumer | Other consumer
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	6	13
Pre-TDR Recorded Investment	$ 182	$ 136
Post-TDR Recorded Investment	$ 181	$ 131
TDRs which Subsequently Defaulted
Number of Contracts | contract	0	1
Recorded Investment	$ 0	$ 10
Consumer | Other consumer | Term Extension
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	0	(1)
Consumer | Other consumer | Other
Financing Receivable, Modifications [Line Items]
Restructuring Modifications	(1)	$ (4)
Performing
Financing Receivable, Modifications [Line Items]
Troubled debt restructurings	4,774,676		5,014,224
Non-performing
Financing Receivable, Modifications [Line Items]
Troubled debt restructurings	$ 720,190		$ 908,128

OPERATING LEASE ASSETS, NET (Co

OPERATING LEASE ASSETS, NET (Components of Leased Vehicles, Net) (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Operating Leased Assets [Line Items]
Less: accumulated depreciation		$ (1,400,000)	$ (1,400,000)
Leased Vehicles
Operating Leased Assets [Line Items]
Operating leases		19,136,180	18,737,338
Less: accumulated depreciation		(3,529,738)	(3,518,025)
Depreciated net capitalized cost		15,606,442	15,219,313
Origination fees and other costs		69,232	66,967
Manufacturer subvention payments		(1,287,017)	(1,307,424)
Operating lease assets, net		14,388,657	13,978,856
Commercial Equipment Vehicles and Aircraft
Operating Leased Assets [Line Items]
Operating leases		136,176	130,274
Less: accumulated depreciation		(34,734)	(30,337)
Operating lease assets, net		101,442	99,937
Operating lease assets
Operating Leased Assets [Line Items]
Operating lease assets, net	[1],[2]	$ 14,490,099	$ 14,078,793
[1]	Net of accumulated depreciation of $3.6 billion and $3.5 billion at March 31, 2019 and December 31, 2018, respectively.
[2]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

OPERATING LEASE ASSETS, NET (Fu

OPERATING LEASE ASSETS, NET (Future Minimum Rental Receivables) (Details) $ in Thousands	Mar. 31, 2019USD ($)
Leases [Abstract]
2019	$ 1,862,576
2020	1,909,673
2021	850,623
2022	75,928
2023	6,978
Thereafter	11,820
Total	$ 4,717,598

OPERATING LEASE ASSETS, NET (Na

OPERATING LEASE ASSETS, NET (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Leases [Abstract]
Lease income	$ 674,885	$ 540,896
Lease expense	479,304	424,266
Operating Leased Assets [Line Items]
Net gain on sale of operating leases	24,011	53,200
Operating lease assets returned to the Company at end of lease term
Operating Leased Assets [Line Items]
Net gain on sale of operating leases	$ 24,000	$ 53,200

VIEs (Assets and Liabilities of

VIEs (Assets and Liabilities of VIEs) (Details) - USD ($) $ in Thousands		Mar. 31, 2019		Dec. 31, 2018		Mar. 31, 2018
Assets
Restricted cash		$ 3,268,581	[1]	$ 2,931,711	[1]	$ 3,800,000
Loans	[2]	1,212,578		1,283,278
Operating lease assets, net		702,671		0
Various other assets	[1],[3]	4,482,633		3,653,336
TOTAL ASSETS		138,956,595		135,634,285		$ 129,211,443
Liabilities
Various other liabilities	[1]	1,034,980		912,775
TOTAL LIABILITIES		114,828,190		111,787,053
VIEs, Primary Beneficiary
Assets
Restricted cash		1,830,617		1,582,158
Loans		24,846,214		24,098,638
Operating lease assets, net		14,388,657		13,978,855
Various other assets		667,368		685,383
TOTAL ASSETS		41,732,856		40,345,034
Liabilities
Notes payable		32,810,785		31,949,839
Various other liabilities		109,388		122,010
TOTAL LIABILITIES		$ 32,920,173		$ 32,071,849
[1]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.
[2]	Includes $188.3 million and $209.5 million of loans recorded at the fair value option ("FVO") at March 31, 2019 and December 31, 2018, respectively.
[3]	Includes mortgage servicing rights ("MSRs") of $140.1 million and $149.7 million at March 31, 2019 and December 31, 2018, respectively, for which the Company has elected the FVO. See Note 14 to these Condensed Consolidated Financial Statements for additional information.

VIEs (Narrative) (Details)

VIEs (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Off-balance Securitization Trusts
Variable Interest Entity [Line Items]
Proceeds from securitization of retail installment contracts	$ 3,600,000,000	$ 4,100,000,000
VIE, Not Primary Beneficiary
Variable Interest Entity [Line Items]
Sales of receivables securitization	0	1,500,000,000
Gain (loss) on retail installment contracts		$ (16,900,000)
VIE, maximum exposure to loss	0
VIE, Not Primary Beneficiary | Trusts
Variable Interest Entity [Line Items]
Gross retail installment contracts transferred to consolidated Trusts	$ 28,000,000,000		$ 27,100,000,000

VIEs (Cash Flow Summary) (Detai

VIEs (Cash Flow Summary) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
VIE, Primary Beneficiary | Trusts
Variable Interest Entity [Line Items]
Assets securitized	$ 4,928,462	$ 7,240,944
Net proceeds from new securitizations	3,962,618	3,476,322
Net proceeds from sale of retained bonds	17,306	211,610
Cash received for servicing fees	208,325	215,790
Net distributions from Trusts	592,769	545,152
Total cash received from Trusts	4,781,018	4,448,874
VIE, Not Primary Beneficiary | Off-balance Securitization Trusts
Variable Interest Entity [Line Items]
Assets securitized	0	1,475,253
Net proceeds from new securitizations	0	1,474,820
Cash received for servicing fees	10,251	8,078
Total cash received from Trusts	$ 10,251	$ 1,482,898

VIEs (Off-balance Sheet Portfol

VIEs (Off-balance Sheet Portfolio) (Details) - VIE, Not Primary Beneficiary - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Variable Interest Entity [Line Items]
Total serviced for other portfolio	$ 3,631,317	$ 4,072,843
Chrysler Capital securitizations
Variable Interest Entity [Line Items]
Total serviced for other portfolio	520,842	611,050
Third parties
Variable Interest Entity [Line Items]
Total serviced for other portfolio	520,842	611,050
SC
Variable Interest Entity [Line Items]
Total serviced for other portfolio	$ 3,110,475	$ 3,461,793

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES (Goodwill) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Goodwill [Line Items]
Balance at beginning of period	$ 4,444,389
Re-allocations during the period	0
Balance at end of period	4,444,389
Consumer and Business Banking
Goodwill [Line Items]
Balance at beginning of period	1,880,304
Re-allocations during the period	0
Balance at end of period	1,880,304
C&I
Goodwill [Line Items]
Balance at beginning of period	1,412,995
Re-allocations during the period	(1,095,071)
Balance at end of period	317,924
CRE and Vehicle Finance
Goodwill [Line Items]
Balance at beginning of period	0
Re-allocations during the period	1,095,071
Balance at end of period	1,095,071
CIB
Goodwill [Line Items]
Balance at beginning of period	131,130
Re-allocations during the period	0
Balance at end of period	131,130
SC
Goodwill [Line Items]
Balance at beginning of period	1,019,960
Re-allocations during the period	0
Balance at end of period	$ 1,019,960

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES (Goodwill) (Narrative) (Details) - USD ($)	3 Months Ended
	Dec. 31, 2018	Mar. 31, 2019	Mar. 31, 2018
Goodwill [Line Items]
Impairment of goodwill	$ 0
Goodwill	$ 4,444,389,000	$ 4,444,389,000
Commercial Banking
Goodwill [Line Items]
Goodwill			$ 542,600,000
CRE
Goodwill [Line Items]
Goodwill			$ 870,400,000

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLES (Finite-lived Intangibles) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	$ 460,429	$ 475,193
Accumulated Amortization	(331,510)	(316,748)
Dealer networks
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	377,393	387,196
Accumulated Amortization	(202,607)	(192,804)
Chrysler relationship
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	61,250	65,000
Accumulated Amortization	(77,500)	(73,750)
Trade name
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	14,400	14,700
Accumulated Amortization	(3,600)	(3,300)
Other intangibles
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	7,386	8,297
Accumulated Amortization	$ (47,803)	$ (46,894)

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLES (Other Intangible Assets) (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Intangibles not subject to amortization	$ 0		$ 0
Amortization of intangibles	$ 14,766,000	$ 15,288,000

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLES (Future Amortization Expense) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
2019, Calendar Year Amount	$ 58,992
2019, Recorded To Date	14,766	$ 15,288
2019, Remaining Amount To Record	44,226
2020	58,657
2021	39,903
2022	39,901
2023	28,649
Thereafter	$ 249,093

OTHER ASSETS (Components) (Deta

OTHER ASSETS (Components) (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Operating lease right-of-use (ROU) assets		$ 702,671	$ 0
Deferred tax assets		604,443	625,087
Accrued interest receivable		537,307	566,602
Derivative assets at fair value		512,571	511,916
Other repossessed assets		199,393	225,890
Equity method investments		202,802	204,687
MSRs		142,422	152,121
OREO		106,097	107,868
Miscellaneous assets, receivables and prepaid expenses		1,474,927	1,259,165
Total other assets	[1],[2]	$ 4,482,633	$ 3,653,336
[1]	Includes mortgage servicing rights ("MSRs") of $140.1 million and $149.7 million at March 31, 2019 and December 31, 2018, respectively, for which the Company has elected the FVO. See Note 14 to these Condensed Consolidated Financial Statements for additional information.
[2]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

OTHER ASSETS (Narrative) (Detai

OTHER ASSETS (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Income tax receivables	$ 344,300	$ 373,200
Prepaid expenses	208,700	199,000
Lessee, Lease, Description [Line Items]
Operating cash flows from operating leases	23,640
Operating lease right-of-use (ROU) assets	702,671	$ 0
Operating lease liabilities	759,818
Operating lease expense	37,600
Sublease income	$ 600
Minimum
Lessee, Lease, Description [Line Items]
Renewal term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Renewal term	5 years
Parent Company
Lessee, Lease, Description [Line Items]
Operating cash flows from operating leases	$ 900
Operating lease right-of-use (ROU) assets	14,100
Operating lease liabilities	$ 14,100

OTHER ASSETS (Maturity of Lease

OTHER ASSETS (Maturity of Lease Liabilities) (Details) $ in Thousands	Mar. 31, 2019USD ($)
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
2019	$ 108,489
2020	134,781
2021	124,541
2022	115,645
2023	101,202
Thereafter	266,798
Total lease liabilities	851,456
Less: Interest	(91,638)
Present value of lease liabilities	$ 759,818

OTHER ASSETS (Operating Lease T

OTHER ASSETS (Operating Lease Term and Discount Rate) (Details)	Mar. 31, 2019
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Weighted-average remaining lease term (years)	7 years 1 month 6 days
Weighted-average discount rate	3.20%

OTHER ASSETS (Other Information

OTHER ASSETS (Other Information) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Operating cash flows from operating leases	$ (23,640)
Leased assets obtained in exchange for new operating lease liabilities	$ 705,443

DEPOSITS AND OTHER CUSTOMER A_3

DEPOSITS AND OTHER CUSTOMER ACCOUNTS (Summary of Deposits and Other Customer Accounts) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Balance
Interest-bearing demand deposits	$ 9,241,805	$ 8,827,704
Non-interest-bearing demand deposits	14,916,347	14,420,450
Savings	6,011,623	5,875,787
Customer repurchase accounts	450,771	654,843
Money market	23,965,771	24,263,929
CDs	8,360,527	7,468,667
Total Deposits	62,946,844	61,511,380
Foreign deposits	$ 8,700,000	$ 8,400,000
Percent of total deposits
Interest-bearing demand deposits (as a percent)	14.70%	14.40%
Non-interest-bearing demand deposits (as a percent)	23.70%	23.40%
Savings (as a percent)	9.60%	9.60%
Customer repurchase accounts (as a percent)	0.70%	1.10%
Money market (as a percent)	38.00%	39.40%
CDs (as a percent)	13.30%	12.10%
Total Deposits (as a percent)	100.00%	100.00%

DEPOSITS AND OTHER CUSTOMER A_4

DEPOSITS AND OTHER CUSTOMER ACCOUNTS (Narrative) (Details) - USD ($) $ in Millions	Mar. 31, 2019	Dec. 31, 2018
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	$ 6,600	$ 6,600
Demand deposit overdrafts that have been reclassified as loan balances	100.1	50
CD in denominations greater than $250,000	1,900	1,900
Public fund deposits
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged as collateral, fair value	$ 2,800	$ 2,700

BORROWINGS (Narrative) (Details

BORROWINGS (Narrative) (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
Total borrowings and other debt obligations	[1]	$ 45,647,858	$ 44,953,784
[1]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

BORROWINGS (SHUSA) (Narrative)

BORROWINGS (SHUSA) (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Debt Instrument [Line Items]
Loss on debt extinguishment	$ 18	$ 2,212
Sovereign Capital Trust IX
Debt Instrument [Line Items]
Debt repurchased			$ 154,600
Senior Notes
Debt Instrument [Line Items]
Debt issued			1,400,000
Senior Notes | Senior floating rate notes
Debt Instrument [Line Items]
Debt issued			427,900
Senior Notes | 4.45% senior notes due 2021
Debt Instrument [Line Items]
Debt issued			$ 1,000,000
Stated interest rate	4.45%		4.45%
Senior Notes | 3.45% senior notes, due 2018
Debt Instrument [Line Items]
Stated interest rate			3.45%
Debt repurchased			$ 244,600
Senior Notes | 2.70% senior notes, due 2019
Debt Instrument [Line Items]
Stated interest rate	2.70%		2.70%
Debt repurchased			$ 821,300

BORROWINGS (Parent Company and

BORROWINGS (Parent Company and Other IHC Entities) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Total borrowings and other debt obligations	[1]	$ 45,647,858	$ 44,953,784
Subsidiaries | 2.00% subordinated debt, maturing through 2042
Debt Instrument [Line Items]
Subordinated debt, Balance		$ 40,989	$ 40,703
Effective Rate		2.00%	2.00%
Stated interest rate		2.00%
Subsidiaries | Short-term borrowing, due within one year, maturing April 2019
Debt Instrument [Line Items]
Short-term borrowings, Balance		$ 22,500	$ 44,000
Effective Rate		2.40%	2.40%
Subsidiaries | Short-term borrowing, due within one year, maturing April 2019
Debt Instrument [Line Items]
Short-term borrowings, Balance		$ 11,823	$ 15,900
Effective Rate		0.38%	0.38%
Parent Company and Other Subsidiaries
Debt Instrument [Line Items]
Total borrowings and other debt obligations		$ 8,430,968	$ 8,452,288
Effective Rate		3.86%	3.76%
Senior Notes | 2.70% senior notes, due May 2019
Debt Instrument [Line Items]
Senior notes, Balance		$ 178,699	$ 178,628
Effective Rate		2.82%	2.82%
Stated interest rate		2.70%	2.70%
Senior Notes | 2.65% senior notes, due April 2020
Debt Instrument [Line Items]
Senior notes, Balance		$ 998,257	$ 997,848
Effective Rate		2.82%	2.82%
Stated interest rate		2.65%
Senior Notes | 4.45% senior notes, due December 2021
Debt Instrument [Line Items]
Senior notes, Balance		$ 995,898	$ 995,540
Effective Rate		4.61%	4.61%
Stated interest rate		4.45%	4.45%
Senior Notes | 3.70% senior notes, due March 2022
Debt Instrument [Line Items]
Senior notes, Balance		$ 1,440,069	$ 1,440,063
Effective Rate		3.74%	3.74%
Stated interest rate		3.70%
Senior Notes | 3.40% senior notes, due January 2023
Debt Instrument [Line Items]
Senior notes, Balance		$ 995,130	$ 994,831
Effective Rate		3.54%	3.54%
Stated interest rate		3.40%
Senior Notes | 4.50% senior notes, due July 2025
Debt Instrument [Line Items]
Senior notes, Balance		$ 1,096,099	$ 1,095,966
Effective Rate		4.56%	4.56%
Stated interest rate		4.50%
Senior Notes | 4.40% senior notes, due July 2027
Debt Instrument [Line Items]
Senior notes, Balance		$ 1,049,803	$ 1,049,799
Effective Rate		4.40%	4.40%
Stated interest rate		4.40%
Senior Notes | Senior notes, due July 2019
Debt Instrument [Line Items]
Senior notes, Balance		$ 388,725	$ 388,717
Effective Rate		3.74%	3.22%
Senior Notes | Senior notes, due July 2019 | 3-month LIBOR
Debt Instrument [Line Items]
Basis spread on LIBOR (as a percent)		1.00%
Senior Notes | Senior notes, due September 2019
Debt Instrument [Line Items]
Senior notes, Balance		$ 370,943	$ 370,936
Effective Rate		3.74%	3.18%
Senior Notes | Senior notes, due January 2020
Debt Instrument [Line Items]
Senior notes, Balance		$ 302,624	$ 302,619
Effective Rate		3.78%	3.22%
Senior Notes | Senior notes, due September 2020
Debt Instrument [Line Items]
Senior notes, Balance		$ 111,553	$ 108,888
Effective Rate		3.17%	3.17%
Senior Notes | Senior notes, due September 2020 | 3-month LIBOR
Debt Instrument [Line Items]
Basis spread on LIBOR (as a percent)		1.05%
Senior Notes | Senior notes, due June 2022
Debt Instrument [Line Items]
Senior notes, Balance		$ 427,856	$ 427,850
Effective Rate		3.78%	3.38%
[1]	The Company has interests in certain securitization trusts ("Trusts") that are considered variable interest entities ("VIEs") for accounting purposes. At March 31, 2019 and December 31, 2018, LHFI included $24.8 billion and $24.1 billion, Operating leases assets, net included $14.4 billion and $14.0 billion, restricted cash included $1.8 billion and $1.6 billion, other assets included $667.4 million and $685.4 million, Borrowings and other debt obligations included $32.8 billion and $31.9 billion, and Other Liabilities included $109.4 million and $122.0 million of assets or liabilities that were included within VIEs, respectively. See Note 6 to these Condensed Consolidated Financial Statements for additional information.

BORROWINGS (Santander Bank) (De

BORROWINGS (Santander Bank) (Details) - SBNA - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Total borrowings and other debt obligations	$ 5,072,803	$ 5,121,762
Effective Rate	3.22%	3.18%
Subordinated term loan, due February 2019
Debt Instrument [Line Items]
Subordinated term loan, Balance	$ 0	$ 99,402
Effective Rate	0.00%	8.20%
FHLB advances, maturing through September 2021
Debt Instrument [Line Items]
FHLB advances, Balance	$ 4,900,000	$ 4,850,000
Effective Rate	2.89%	2.74%
REIT preferred, callable May 2020
Debt Instrument [Line Items]
REIT preferred	$ 145,947	$ 145,590
Effective Rate	13.12%	13.22%
Subordinated term loan, due August 2022
Debt Instrument [Line Items]
Subordinated term loan, Balance	$ 26,856	$ 26,770
Effective Rate	10.33%	9.95%
FHLB advances
Debt Instrument [Line Items]
Letters of credit	$ 842,100

BORROWINGS (SC Credit Facilitie

BORROWINGS (SC Credit Facilities) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Balance	$ 86,700,000	$ 88,700,000
SC
Debt Instrument [Line Items]
Balance	56,676,580,000	52,686,320,000
Restricted Cash Pledged	$ 1,825,220,000	$ 1,576,915,000
SC | Maximum
Debt Instrument [Line Items]
Effective Rate	3.53%	3.53%
SC | Revolving Credit Facility
Debt Instrument [Line Items]
Balance	$ 5,063,786,000	$ 4,478,214,000
Committed Amount	$ 10,336,917,000	$ 10,348,945,000
Effective Rate	4.27%	3.91%
Assets Pledged	$ 6,892,343,000	$ 6,041,896,000
Restricted Cash Pledged	$ 5,397,000	5,810,000
SC | Revolving Credit Facility | Maximum
Debt Instrument [Line Items]
Facility rolling maturity period	1 year
SC | Revolving Credit Facility | Warehouse line, maturing on various dates
Debt Instrument [Line Items]
Balance	$ 355,345,000	314,845,000
Committed Amount	$ 1,250,000,000	$ 1,250,000,000
Effective Rate	5.16%	4.83%
Assets Pledged	$ 511,875,000	$ 458,390,000
Restricted Cash Pledged	0	0
SC | Revolving Credit Facility | Warehouse line, due November 2020
Debt Instrument [Line Items]
Balance	261,620,000	317,020,000
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	3.57%	3.53%
Assets Pledged	$ 289,933,000	$ 359,214,000
Restricted Cash Pledged	505,000	525,000
SC | Revolving Credit Facility | Warehouse line, due August 2020
Debt Instrument [Line Items]
Balance	2,515,243,000	2,154,243,000
Committed Amount	$ 4,400,000,000	$ 4,400,000,000
Effective Rate	4.09%	3.79%
Assets Pledged	$ 3,311,763,000	$ 2,859,113,000
Restricted Cash Pledged	4,274,000	4,831,000
SC | Revolving Credit Facility | Warehouse line, due October 2020
Debt Instrument [Line Items]
Balance	775,177,000	242,377,000
Committed Amount	$ 2,050,000,000	$ 2,050,000,000
Effective Rate	5.16%	5.94%
Assets Pledged	$ 1,158,396,000	$ 345,599,000
Restricted Cash Pledged	37,000	120,000
SC | Revolving Credit Facility | Warehouse line, due August 2019
Debt Instrument [Line Items]
Balance	37,484,000	53,584,000
Committed Amount	$ 500,000,000	$ 500,000,000
Effective Rate	8.60%	8.34%
Assets Pledged	$ 54,475,000	$ 78,790,000
Restricted Cash Pledged	0	0
SC | Revolving Credit Facility | Warehouse line, due November 2020
Debt Instrument [Line Items]
Balance	751,400,000	1,000,000,000
Committed Amount	$ 1,000,000,000	$ 1,000,000,000
Effective Rate	3.68%	3.32%
Assets Pledged	$ 1,088,648,000	$ 1,430,524,000
Restricted Cash Pledged	0	6,000
SC | Revolving Credit Facility | Warehouse line, due October 2019
Debt Instrument [Line Items]
Balance	80,600,000	97,200,000
Committed Amount	$ 350,000,000	$ 350,000,000
Effective Rate	5.74%	4.35%
Assets Pledged	$ 89,781,000	$ 108,418,000
Restricted Cash Pledged	581,000	328,000
SC | Revolving Credit Facility | Repurchase facility, due May 2019
Debt Instrument [Line Items]
Balance	167,748,000
Committed Amount	$ 167,748,000
Effective Rate	3.80%
Assets Pledged	$ 235,540,000
Restricted Cash Pledged	0
SC | Revolving Credit Facility | Repurchase facility, due May 2019
Debt Instrument [Line Items]
Balance	119,169,000
Committed Amount	$ 119,169,000
Effective Rate	3.04%
Assets Pledged	$ 151,932,000
Restricted Cash Pledged	$ 0
SC | Revolving Credit Facility | Repurchase facility, due April 2019
Debt Instrument [Line Items]
Balance		167,118,000
Committed Amount		$ 167,118,000
Effective Rate		3.84%
Assets Pledged		$ 235,540,000
Restricted Cash Pledged		0
SC | Revolving Credit Facility | Repurchase facility, due March 2019
Debt Instrument [Line Items]
Balance		131,827,000
Committed Amount		$ 131,827,000
Effective Rate		3.54%
Assets Pledged		$ 166,308,000
Restricted Cash Pledged		$ 0

BORROWINGS (Secured Structured

BORROWINGS (Secured Structured Financings) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Initial Note Amounts Issued	$ 86,700	$ 88,700
SC
Debt Instrument [Line Items]
Balance	27,080,302	26,901,520
Initial Note Amounts Issued	56,676,580	52,686,320
Collateral	35,894,149	35,296,170
Restricted Cash	1,825,220	1,576,915
Private issuances of notes backed by vehicle leases	$ 8,000,000	$ 7,800,000
SC | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate Range	0.88%	0.88%
SC | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate Range	3.53%	3.53%
SC | SC public securitizations, maturing on various dates
Debt Instrument [Line Items]
Balance	$ 18,489,633	$ 19,225,169
Initial Note Amounts Issued	43,135,212	41,380,952
Collateral	24,058,020	24,912,904
Restricted Cash	$ 1,790,578	$ 1,541,714
SC | SC public securitizations, maturing on various dates | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate Range	1.16%	1.16%
SC | SC public securitizations, maturing on various dates | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate Range	3.42%	3.53%
SC | SC privately issued amortizing notes, maturing on various dates
Debt Instrument [Line Items]
Balance	$ 8,590,669	$ 7,676,351
Initial Note Amounts Issued	13,541,368	11,305,368
Collateral	11,836,129	10,383,266
Restricted Cash	$ 34,642	$ 35,201
SC | SC privately issued amortizing notes, maturing on various dates | Minimum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate Range	0.88%	0.88%
SC | SC privately issued amortizing notes, maturing on various dates | Maximum
Debt Instrument [Line Items]
Initial Weighted Average Interest Rate Range	3.53%	3.17%

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME / (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Jan. 01, 2019	Jan. 01, 2018
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total other comprehensive income/(loss), pretax activity	$ 137,957	$ (133,888)
Total other comprehensive income/(loss), tax effect	(33,338)	1,132
TOTAL OTHER COMPREHENSIVE GAIN / (LOSS), NET OF TAX	104,619	(132,756)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Equity, Beginning balance	23,847,232	23,690,832
Net Activity	104,619	(132,756)
Cumulative impact of adoption of new ASUs			$ 18,652	$ 8,455
Net Activity, upon adoption	104,619	(171,850)
Equity, Ending balance	24,128,405	23,830,597
Net unrealized (losses) on cash flow hedge derivative financial instruments
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income/(loss), pretax activity	10,402	(1,833)
Other comprehensive income/(loss), tax effect	(1,944)	(4,671)
Other comprehensive income/(loss), net activity	8,458	(6,504)
Reclassification adjustment, pretax activity	(2,123)	(1,687)
Reclassification adjustment, tax effect	668	455
Reclassification adjustment, net activity	(1,455)	(1,232)
Total other comprehensive income/(loss), pretax activity	8,279	(3,520)
Total other comprehensive income/(loss), tax effect	(1,276)	(4,216)
TOTAL OTHER COMPREHENSIVE GAIN / (LOSS), NET OF TAX	7,003	(7,736)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Equity, Beginning balance	(19,813)	(6,388)
Net Activity	7,003	(7,736)
Cumulative impact of adoption of new ASUs				(9,629)
Net Activity, upon adoption		(17,365)
Equity, Ending balance	(12,810)	(23,753)
Net unrealized (losses) on investments in debt securities AFS
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income/(loss), pretax activity	121,377	(136,960)
Other comprehensive income/(loss), tax effect	(31,355)	10,710
Other comprehensive income/(loss), net activity	90,022	(126,250)
Total other comprehensive income/(loss), pretax activity	123,377	(136,297)
Total other comprehensive income/(loss), tax effect	(31,872)	10,652
TOTAL OTHER COMPREHENSIVE GAIN / (LOSS), NET OF TAX	91,505	(125,645)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Equity, Beginning balance	(245,767)	(140,498)
Net Activity	91,505	(125,645)
Cumulative impact of adoption of new ASUs				(24,378)
Net Activity, upon adoption		(150,023)
Equity, Ending balance	(154,262)	(290,521)
Reclassification adjustment for net (gains)/losses included in net income/(expense) on non-OTTI securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Reclassification adjustment, pretax activity	2,000	663
Reclassification adjustment, tax effect	(517)	(58)
Reclassification adjustment, net activity	1,483	605
Pension and post-retirement actuarial gains/(losses)
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total other comprehensive income/(loss), pretax activity	6,301	5,929
Total other comprehensive income/(loss), tax effect	(190)	(5,304)
TOTAL OTHER COMPREHENSIVE GAIN / (LOSS), NET OF TAX	6,111	625
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Equity, Beginning balance	(56,072)	(51,545)
Net Activity	6,111	625
Cumulative impact of adoption of new ASUs				(5,087)
Net Activity, upon adoption		(4,462)
Equity, Ending balance	(49,961)	(56,007)
Accumulated other comprehensive (loss)/income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Equity, Beginning balance	(321,652)	(198,431)
Cumulative impact of adoption of new ASUs				$ (39,094)
Equity, Ending balance	$ (217,033)	$ (370,281)

DERIVATIVES (Narrative) (Detail

DERIVATIVES (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Credit Risk Contingent Features
Fair value of derivatives with credit risk contingent feature associated with credit ratings	$ 1,100,000
Additional collateral required	0
Fair value of derivatives with credit risk contingent features	8,300,000		$ 9,500,000
Collateral posted	13,500,000		$ 11,500,000
Cash Flow Hedges
Cash flow hedge gains to be reclassified within next twelve months	15,700,000
Net unrealized (losses) on cash flow hedge derivative financial instruments
Derivative [Line Items]
Net amount of change recognized in OCI for cash flow hedge derivatives	8,458,000	$ (6,504,000)
Amount reclassified from OCI into earnings for cash flow hedge derivatives	$ 1,455,000	$ 1,232,000

DERIVATIVES (Derivatives Design

DERIVATIVES (Derivatives Designated in Hedge Relationships) (Details) - Designated as hedging instrument - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
Notional Amount	$ 10,399,708	$ 10,176,105
Asset, Total	44,994	54,986
Liability, Total	$ 82,432	$ 100,272
Weighted Average Receive Rate	1.59%	1.66%
Weighted Average Pay Rate	1.69%	1.66%
Weighted Average
Derivative [Line Items]
Weighted Average Life (Years)	1 year 9 months 27 days	2 years 6 days
Cash flow hedges | Pay fixed — receive variable interest rate swaps
Derivative [Line Items]
Notional Amount	$ 4,199,708	$ 4,176,105
Asset, Cash flow hedges	28,601	44,054
Liability, Cash flow hedges	$ 19,845	$ 10,503
Weighted Average Receive Rate	2.58%	2.67%
Weighted Average Pay Rate	1.81%	1.74%
Cash flow hedges | Pay fixed — receive variable interest rate swaps | Weighted Average
Derivative [Line Items]
Weighted Average Life (Years)	1 year 10 months 28 days	2 years 27 days
Cash flow hedges | Pay variable - receive fixed interest rate swaps
Derivative [Line Items]
Notional Amount	$ 4,000,000	$ 4,000,000
Asset, Cash flow hedges	0	0
Liability, Cash flow hedges	$ 62,587	$ 89,769
Weighted Average Receive Rate	1.41%	1.41%
Weighted Average Pay Rate	2.49%	2.40%
Cash flow hedges | Pay variable - receive fixed interest rate swaps | Weighted Average
Derivative [Line Items]
Weighted Average Life (Years)	1 year 9 months 11 days	2 years 7 days
Cash flow hedges | Interest rate floor
Derivative [Line Items]
Notional Amount	$ 2,200,000	$ 2,000,000
Asset, Cash flow hedges	16,393	10,932
Liability, Cash flow hedges	$ 0	$ 0
Weighted Average Receive Rate	0.02%	0.04%
Weighted Average Pay Rate	0.00%	0.00%
Cash flow hedges | Interest rate floor | Weighted Average
Derivative [Line Items]
Weighted Average Life (Years)	1 year 8 months 10 days	1 year 10 months 28 days

DERIVATIVES (Derivatives Not De

DERIVATIVES (Derivatives Not Designated in Hedge Relationships) (Details) - Not designated as hedging instrument - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	$ 51,153,674	$ 48,697,504
Asset derivatives Fair value	469,983	463,499
Liability derivatives Fair value	395,959	397,159
Other
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	1,053,613	1,038,558
Asset derivatives Fair value	5,427	4,527
Liability derivatives Fair value	8,960	7,137
Foreign exchange contracts
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	4,336,969	3,635,119
Asset derivatives Fair value	49,928	47,330
Liability derivatives Fair value	39,368	37,466
Interest rate swap agreements
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	2,120,775	2,281,379
Asset derivatives Fair value	6,409	11,553
Liability derivatives Fair value	6,170	3,264
Interest rate cap agreements
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	9,696,590	7,758,710
Asset derivatives Fair value	136,552	128,467
Liability derivatives Fair value	0	0
Options for interest rate cap agreements
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	9,679,846	7,741,765
Asset derivatives Fair value	0	0
Liability derivatives Fair value	136,470	128,377
Mortgage banking derivatives
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	933,543	917,869
Asset derivatives Fair value	7,829	4,256
Liability derivatives Fair value	4,774	13,774
Mortgage banking derivatives | Forward commitments to sell loans
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	339,162	329,189
Asset derivatives Fair value	11	4
Liability derivatives Fair value	3,176	4,821
Mortgage banking derivatives | Interest rate lock commitments
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	164,381	133,680
Asset derivatives Fair value	2,976	2,677
Liability derivatives Fair value	0	0
Mortgage banking derivatives | Mortgage servicing
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	430,000	455,000
Asset derivatives Fair value	4,842	1,575
Liability derivatives Fair value	1,598	8,953
Customer-related derivatives
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	23,332,338	25,324,104
Asset derivatives Fair value	263,838	267,366
Liability derivatives Fair value	200,217	207,141
Customer-related derivatives | Swaps receive fixed
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	10,346,650	11,335,998
Asset derivatives Fair value	179,032	92,542
Liability derivatives Fair value	46,120	120,185
Customer-related derivatives | Swaps pay fixed
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	10,786,245	11,825,804
Asset derivatives Fair value	77,323	163,673
Liability derivatives Fair value	145,409	72,662
Customer-related derivatives | Other
Derivative Instruments Not Designated as Hedging Instruments [Abstract]
Notional	2,199,443	2,162,302
Asset derivatives Fair value	7,483	11,151
Liability derivatives Fair value	$ 8,688	$ 14,294

DERIVATIVES (Gains (Losses) on

DERIVATIVES (Gains (Losses) on All Derivatives) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Pay fixed-receive variable interest rate swaps | Interest expense on borrowings | Cash flow hedges
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	$ 12,940	$ 2,764
Pay variable receive-fixed interest rate swap | Interest income on loans | Cash flow hedges
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	(11,448)	(2,020)
Forward commitments to sell loans | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	1,653	(514)
Interest rate lock commitments | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	299	148
Mortgage servicing | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	8,354	(9,150)
Customer-related derivatives | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	(14,059)	5,869
Foreign exchange | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	23,933	3,720
Interest rate swaps, caps, and options | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	2,445	10,039
Interest rate swaps, caps, and options | Interest expense
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	0	0
Other | Miscellaneous income, net
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized on all derivatives	$ (1,211)	$ (2,631)

DERIVATIVES (Offsetting of Fina

DERIVATIVES (Offsetting of Financial Assets) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Offsetting Assets [Line Items]
Gross Amounts of Recognized Assets, Total derivatives subject to a master netting arrangement or similar arrangement	$ 512,001	$ 515,808
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total Derivative Assets	2,406	6,570
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total derivatives subject to a master netting arrangement or similar arrangement	509,595	509,238
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments, Total Derivative Assets	76,735	1,066
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received, Total Derivative Assets	72,436	138,967
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives subject to a master netting arrangement or similar arrangement	360,424	369,205
Total derivatives not subject to a master netting arrangement or similar arrangement	2,976	2,677
Gross Amounts of Recognized Assets, Total Derivative Assets	514,977	518,485
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total Derivative Assets	512,571	511,915
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet - Net Amount, Total Derivative Assets	363,400	371,882
Other derivative activities
Offsetting Assets [Line Items]
Gross Amounts of Recognized Assets, Total derivatives subject to a master netting arrangement or similar arrangement	467,007	460,822
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total Derivative Assets	2,406	6,570
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total derivatives subject to a master netting arrangement or similar arrangement	464,601	454,252
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments, Total Derivative Assets	72,857	1,066
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received, Total Derivative Assets	59,965	116,516
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives subject to a master netting arrangement or similar arrangement	331,779	336,670
Cash flow hedges
Offsetting Assets [Line Items]
Gross Amounts of Recognized Assets, Total derivatives subject to a master netting arrangement or similar arrangement	44,994	54,986
Gross Amounts Offset in the Condensed Consolidated Balance Sheet, Total Derivative Assets	0	0
Net Amounts of Assets Presented in the Condensed Consolidated Balance Sheet, Total derivatives subject to a master netting arrangement or similar arrangement	44,994	54,986
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments, Total Derivative Assets	3,878	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Received, Total Derivative Assets	12,471	22,451
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives subject to a master netting arrangement or similar arrangement	$ 28,645	$ 32,535

DERIVATIVES (Offsetting of Fi_2

DERIVATIVES (Offsetting of Financial Liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Offsetting Liabilities [Line Items]
Gross Amounts of Recognized Liabilities, Total derivatives subject to a master netting arrangement or similar arrangement	$ 475,215	$ 492,610
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	6,849	13,422
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total derivatives subject to a master netting arrangement or similar arrangement	468,366	479,188
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	36,457	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	385,174	321,897
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives subject to a master netting arrangement or similar arrangement	46,735	157,291
Total derivatives not subject to a master netting arrangement or similar arrangement	3,176	4,821
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged, Total derivatives not subject to a master netting arrangement or similar arrangement	3,121	3,827
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives not subject to a master netting arrangement or similar arrangement	55	994
Gross Amounts of Recognized Liabilities, Total Derivative Liabilities	478,391	497,431
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total Derivative Liabilities	471,542	484,009
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged, Total Derivative Liabilities	388,295	325,724
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total Derivatives Liabilities	46,790	158,285
Other derivative activities
Offsetting Liabilities [Line Items]
Gross Amounts of Recognized Liabilities, Total derivatives subject to a master netting arrangement or similar arrangement	392,783	392,338
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	6,849	13,422
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total derivatives subject to a master netting arrangement or similar arrangement	385,934	378,916
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	30,473	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	308,726	316,285
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives subject to a master netting arrangement or similar arrangement	46,735	62,631
Cash flow hedges
Offsetting Liabilities [Line Items]
Gross Amounts of Recognized Liabilities, Total derivatives subject to a master netting arrangement or similar arrangement	82,432	100,272
Gross Amounts Offset in the Condensed Consolidated Balance Sheet	0	0
Net Amounts of Liabilities Presented in the Condensed Consolidated Balance Sheet, Total derivatives subject to a master netting arrangement or similar arrangement	82,432	100,272
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Financial Instruments	5,984	0
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Cash Collateral Pledged	76,448	5,612
Gross Amounts Not Offset in the Condensed Consolidated Balance Sheet, Net Amount, Total derivatives subject to a master netting arrangement or similar arrangement	$ 0	$ 94,660

INCOME TAXES (Details)

INCOME TAXES (Details) $ in Thousands	3 Months Ended		12 Months Ended	36 Months Ended	60 Months Ended
	Mar. 31, 2019USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2009USD ($)transaction	Dec. 31, 2005USD ($)	Dec. 31, 2007USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2016USD ($)
Income Tax Disclosure [Abstract]
Income tax provision	$ 116,214	$ 96,062
Effective tax rate	32.70%	27.00%
Net deferred tax liability	$ 699,800					$ 587,500
Deferred tax assets	604,443					625,087
Deferred tax liability	1,304,197					$ 1,212,538
Increase in net deferred liabilities	112,300
Income Tax Contingency [Line Items]
Number of financing transactions related to lawsuit | transaction			2
Transaction amount related to lawsuit seeking refund of taxes paid			$ 1,200,000
Disallowed interest expense and transaction costs deductions			74,600
Penalties and interest expense			$ 92,500
Tax reserve	$ 36,800
Settled Litigation
Income Tax Contingency [Line Items]
Tax reserve							$ 230,100
Foreign
Income Tax Contingency [Line Items]
Foreign taxes paid					$ 264,000
U.K. | Settled Litigation
Income Tax Contingency [Line Items]
Foreign taxes paid				$ 132,000

FAIR VALUE (Fair Value Measurem

FAIR VALUE (Fair Value Measurements, Recurring) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financial assets:
Other investments - trading securities	$ 6,228	$ 10
RICs held-for-investment	114,800	126,300
Other assets - derivatives	512,571	511,915
Total MSRs	142,422	152,121
Financial liabilities:
Other liabilities - derivatives	471,542	484,009
Recurring
Financial assets:
AFS investment securities	11,469,199	11,632,987
Other investments - trading securities	6,228	10
RICs held-for-investment	114,809	126,312
LHFS	188,282	209,506
MSRs	140,134	149,660
Other assets - derivatives	514,977	518,485
Total financial assets	12,433,629	12,636,960
Financial liabilities:
Other liabilities - derivatives	478,391	497,431
Total financial liabilities	478,391	497,431
Recurring | U.S. Treasury securities
Financial assets:
AFS investment securities	2,130,860	1,804,745
Recurring | Corporate debt
Financial assets:
AFS investment securities	142,939	160,114
Recurring | ABS
Financial assets:
AFS investment securities	427,006	436,837
Recurring | State and municipal securities
Financial assets:
AFS investment securities	15	16
Recurring | MBS
Financial assets:
AFS investment securities	8,768,379	9,231,275
Recurring | Level 1
Financial assets:
AFS investment securities	0	526,364
Other investments - trading securities	3,426	4
RICs held-for-investment	0	0
LHFS	0	0
MSRs	0	0
Other assets - derivatives	0	0
Total financial assets	3,426	526,368
Financial liabilities:
Other liabilities - derivatives	0	0
Total financial liabilities	0	0
Recurring | Level 1 | U.S. Treasury securities
Financial assets:
AFS investment securities	0	526,364
Recurring | Level 1 | Corporate debt
Financial assets:
AFS investment securities	0	0
Recurring | Level 1 | ABS
Financial assets:
AFS investment securities	0	0
Recurring | Level 1 | State and municipal securities
Financial assets:
AFS investment securities	0	0
Recurring | Level 1 | MBS
Financial assets:
AFS investment securities	0	0
Recurring | Level 2
Financial assets:
AFS investment securities	11,143,091	10,779,424
Other investments - trading securities	2,802	6
RICs held-for-investment	0	0
LHFS	188,282	209,506
MSRs	0	0
Other assets - derivatives	511,901	515,781
Total financial assets	11,846,076	11,504,717
Financial liabilities:
Other liabilities - derivatives	476,567	496,593
Total financial liabilities	476,567	496,593
Recurring | Level 2 | U.S. Treasury securities
Financial assets:
AFS investment securities	2,130,860	1,278,381
Recurring | Level 2 | Corporate debt
Financial assets:
AFS investment securities	142,939	160,114
Recurring | Level 2 | ABS
Financial assets:
AFS investment securities	100,898	109,638
Recurring | Level 2 | State and municipal securities
Financial assets:
AFS investment securities	15	16
Recurring | Level 2 | MBS
Financial assets:
AFS investment securities	$ 8,768,379	9,231,275
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Percentage of level 3 assets to total assets held at fair value	4.70%
Percentage of level 3 assets to total assets	0.40%
Financial assets:
AFS investment securities	$ 326,108	327,199
Other investments - trading securities	0	0
RICs held-for-investment	114,809	126,312
LHFS	0	0
MSRs	140,134	149,660
Other assets - derivatives	3,076	2,704
Total financial assets	584,127	605,875
Financial liabilities:
Other liabilities - derivatives	1,824	838
Total financial liabilities	1,824	838
Recurring | Level 3 | U.S. Treasury securities
Financial assets:
AFS investment securities	0	0
Recurring | Level 3 | Corporate debt
Financial assets:
AFS investment securities	0	0
Recurring | Level 3 | ABS
Financial assets:
AFS investment securities	326,108	327,199
Recurring | Level 3 | State and municipal securities
Financial assets:
AFS investment securities	0	0
Recurring | Level 3 | MBS
Financial assets:
AFS investment securities	$ 0	$ 0

FAIR VALUE (Fair Value Measur_2

FAIR VALUE (Fair Value Measurements, Non-recurring) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 114,800	$ 126,300
Total carrying value of the loans	5,787,223	6,216,533
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets	88,995	97,886
Vehicle inventory	354,411	342,617
LHFS	1,024,296	1,073,795
MSRs	9,061	9,386
Nonrecurring | Impaired commercial LHFI
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	270,214	374,648
Total carrying value of the loans	254,700	479,400
Nonrecurring | Auto loans impaired due to bankruptcy
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	169,928	189,114
Nonrecurring | Impaired personal loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
LHFS	1,000,000	1,100,000
Nonrecurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets	0	0
Vehicle inventory	0	0
LHFS	0	0
MSRs	0	0
Nonrecurring | Level 1 | Impaired commercial LHFI
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	13,105	5,182
Nonrecurring | Level 1 | Auto loans impaired due to bankruptcy
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Nonrecurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets	9,259	16,678
Vehicle inventory	354,411	342,617
LHFS	0	0
MSRs	0	0
Nonrecurring | Level 2 | Impaired commercial LHFI
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	43,538	150,208
Nonrecurring | Level 2 | Auto loans impaired due to bankruptcy
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	169,928	189,114
Nonrecurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets	79,736	81,208
Vehicle inventory	0	0
LHFS	1,024,296	1,073,795
MSRs	9,061	9,386
Nonrecurring | Level 3 | Impaired commercial LHFI
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	213,571	219,258
Nonrecurring | Level 3 | Auto loans impaired due to bankruptcy
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 0	$ 0

FAIR VALUE (Fair Value Adjustme

FAIR VALUE (Fair Value Adjustments) (Details) - Nonrecurring - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Impaired LHFI | Provision for credit losses
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value adjustment	$ (6,592)	$ (29,312)
Foreclosed assets | Miscellaneous income, net
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value adjustment	(2,252)	(2,473)
LHFS | Provision for credit losses
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value adjustment	0	(381)
LHFS | Miscellaneous income, net
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value adjustment	(67,673)	(70,490)
Auto loans impaired due to bankruptcy | Provision for credit losses
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value adjustment	(4,410)	(82,145)
MSRs | Miscellaneous income, net
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value adjustment	$ (173)	$ (549)

FAIR VALUE (Reconciliation of A

FAIR VALUE (Reconciliation of Assets and Liabilities Using Level 3 Inputs) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)factor	Mar. 31, 2018USD ($)	Jan. 28, 2014USD ($)
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Number of primary factors driving gains | factor	3
RICs HFI
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Unpaid principal balance on previously charged-off RIC portfolio			$ 3,000,000
Level 3 | Recurring
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Balances, beginning of period	$ 605,037	$ 684,230
Losses in OCI	(672)	(499)
Gains/(losses) in earnings	(6,399)	20,453
Additions/Issuances	2,897	4,104
Settlements	(18,560)	(30,182)
Balances, end of period	582,303	678,106
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	(6,698)	20,305
Level 3 | Recurring | Investments AFS
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Balances, beginning of period	327,199	350,252
Losses in OCI	(672)	(499)
Gains/(losses) in earnings	0	0
Additions/Issuances	0	0
Settlements	(419)	(1,119)
Balances, end of period	326,108	348,634
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	0	0
Level 3 | Recurring | RICs HFI
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Balances, beginning of period	126,312	186,471
Losses in OCI	0	0
Gains/(losses) in earnings	3,547	5,276
Additions/Issuances	0	1,349
Settlements	(15,050)	(25,499)
Balances, end of period	114,809	167,597
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	3,547	5,276
Level 3 | Recurring | MSRs
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Balances, beginning of period	149,660	145,993
Losses in OCI	0	0
Gains/(losses) in earnings	(9,246)	15,043
Additions/Issuances	2,897	2,755
Settlements	(3,177)	(3,661)
Balances, end of period	140,134	160,130
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	(9,246)	15,043
Level 3 | Recurring | Derivatives, net
Fair Value, Assets, Unobservable Input Reconciliation [Roll Forward]
Balances, beginning of period	1,866	1,514
Losses in OCI	0	0
Gains/(losses) in earnings	(700)	134
Additions/Issuances	0	0
Settlements	86	97
Balances, end of period	1,252	1,745
Changes in unrealized gains (losses) included in earnings related to balances still held at end of period	$ (999)	$ (14)

FAIR VALUE (Sensitivity Analysi

FAIR VALUE (Sensitivity Analysis of Fair Value, Mortgage Servicing Rights) (Details) - MSRs $ in Millions	Mar. 31, 2019USD ($)
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	$ (5.2)
Sensitivity analysis of fair value, impact of 20 percent adverse change in prepayment speed	(10.1)
Sensitivity analysis of fair value, impact of 10 percent adverse change in discount rate	(4.9)
Sensitivity analysis of fair value, impact of 20 percent adverse change in discount rate	$ (9.6)

FAIR VALUE (Quantitative Inform

FAIR VALUE (Quantitative Information) (Details) $ in Thousands	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Financial Assets:
RICs held-for-investment	$ 114,800	$ 126,300
MSRs	142,422	152,121
Level 3 | Financing bonds
Financial Assets:
ABS	$ 302,489	$ 303,224
Level 3 | Financing bonds | Discount Rate | Minimum
Financial Assets:
ABS, Unobservable Inputs (as a percent)	0.0229	0.0268
Level 3 | Financing bonds | Discount Rate | Maximum
Financial Assets:
ABS, Unobservable Inputs (as a percent)	0.0261	0.0273
Level 3 | Financing bonds | Discount Rate | Weighted Average
Financial Assets:
ABS, Unobservable Inputs (as a percent)	0.0256	0.0269
Level 3 | Sale-leaseback securities
Financial Assets:
ABS	$ 23,619	$ 23,975
Level 3 | Sale-leaseback securities | Offered Quotes
Financial Assets:
ABS, Unobservable Inputs (as a percent)	1.0922	1.1028
Level 3 | RICs HFI
Financial Assets:
RICs held-for-investment	$ 114,809	$ 126,312
Level 3 | RICs HFI | Discount Rate | Minimum
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.0950	0.0950
Level 3 | RICs HFI | Discount Rate | Maximum
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.1450	0.1450
Level 3 | RICs HFI | Discount Rate | Weighted Average
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.1264	0.1255
Level 3 | RICs HFI | CPR
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.0666	0.0666
Level 3 | RICs HFI | Recovery Rate | Minimum
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.2500	0.2500
Level 3 | RICs HFI | Recovery Rate | Maximum
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.4300	0.4300
Level 3 | RICs HFI | Recovery Rate | Weighted Average
Financial Assets:
RICs HFI, Unobservable Inputs (as a percent)	0.4153	0.4160
Level 3 | Personal LHFS
Financial Assets:
LHFS	$ 974,017	$ 1,068,757
Level 3 | Personal LHFS | Discount Rate | Minimum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.1500	0.1500
Level 3 | Personal LHFS | Discount Rate | Maximum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.2500	0.2500
Level 3 | Personal LHFS | Market Participant View | Minimum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.7000	0.7000
Level 3 | Personal LHFS | Market Participant View | Maximum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.8000	0.8000
Level 3 | Personal LHFS | Default Rate | Minimum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.3000	0.3000
Level 3 | Personal LHFS | Default Rate | Maximum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.4000	0.4000
Level 3 | Personal LHFS | Net Principal & Interest Payment Rate | Minimum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.7000	0.7000
Level 3 | Personal LHFS | Net Principal & Interest Payment Rate | Maximum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.8500	0.8500
Level 3 | Personal LHFS | Loss Severity Rate | Minimum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.9000	0.9000
Level 3 | Personal LHFS | Loss Severity Rate | Maximum
Financial Assets:
LHFS, Unobservable Inputs (as a percent)	0.9500	0.9500
Level 3 | MSRs
Financial Assets:
MSRs	$ 140,134	$ 149,660
Level 3 | MSRs | Discount Rate
Financial Assets:
MSRs, Unobservable Inputs (as a percent)	0.0971	0.0971
Level 3 | MSRs | CPR | Minimum
Financial Assets:
MSRs, Unobservable Inputs (as a percent)	0.0677	0.0706
Level 3 | MSRs | CPR | Maximum
Financial Assets:
MSRs, Unobservable Inputs (as a percent)	1	1
Level 3 | MSRs | CPR | Weighted Average
Financial Assets:
MSRs, Unobservable Inputs (as a percent)	0.1008	0.0922

FAIR VALUE (Fair Value of Finan

FAIR VALUE (Fair Value of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Financial assets:
Investment in debt securities HTM	$ 2,674,628	$ 2,676,049
Other investments - trading securities	6,228	10
LHFI, net	85,361,165	83,148,738
Derivatives	512,571	511,915
Financial liabilities:
Derivatives	471,542	484,009
Carrying Value
Financial assets:
Cash and cash equivalents	7,564,183	7,790,593
Investment in debt securities AFS	11,469,199	11,632,987
Investment in debt securities HTM	2,711,701	2,750,680
Other investments - trading securities	6,228	10
LHFI, net	85,361,165	83,148,738
LHFS	1,212,578	1,283,278
Restricted cash	3,268,581	2,931,711
MSRs	142,422	152,121
Derivatives	514,977	518,485
Financial liabilities:
Deposits	62,946,844	61,511,380
Borrowings and other debt obligations	45,647,858	44,953,784
Derivatives	478,391	497,431
Fair Value
Financial assets:
Cash and cash equivalents	7,564,183	7,790,593
Investment in debt securities AFS	11,469,199	11,632,987
Investment in debt securities HTM	2,674,628	2,676,049
Other investments - trading securities	6,228	10
LHFI, net	85,359,384	83,415,697
LHFS	1,212,646	1,283,301
Restricted cash	3,268,581	2,931,711
MSRs	149,195	159,046
Derivatives	514,977	518,485
Financial liabilities:
Deposits	62,925,824	61,456,268
Borrowings and other debt obligations	45,957,959	45,083,518
Derivatives	478,391	497,431
Fair Value | Level 1
Financial assets:
Cash and cash equivalents	7,564,183	7,790,593
Investment in debt securities AFS	0	526,364
Investment in debt securities HTM	0	0
Other investments - trading securities	3,426	4
LHFI, net	13,105	5,182
LHFS	0	0
Restricted cash	3,268,581	2,931,711
MSRs	0	0
Derivatives	0	0
Financial liabilities:
Deposits	54,582,620	54,039,848
Borrowings and other debt obligations	0	0
Derivatives	0	0
Fair Value | Level 2
Financial assets:
Cash and cash equivalents	0	0
Investment in debt securities AFS	11,143,091	10,779,424
Investment in debt securities HTM	2,674,628	2,676,049
Other investments - trading securities	2,802	6
LHFI, net	43,538	150,208
LHFS	188,282	209,506
Restricted cash	0	0
MSRs	0	0
Derivatives	511,901	515,781
Financial liabilities:
Deposits	8,343,204	7,416,420
Borrowings and other debt obligations	31,939,247	31,494,126
Derivatives	476,567	496,593
Fair Value | Level 3
Financial assets:
Cash and cash equivalents	0	0
Investment in debt securities AFS	326,108	327,199
Investment in debt securities HTM	0	0
Other investments - trading securities	0	0
LHFI, net	85,302,741	83,260,307
LHFS	1,024,364	1,073,795
Restricted cash	0	0
MSRs	149,195	159,046
Derivatives	3,076	2,704
Financial liabilities:
Deposits	0	0
Borrowings and other debt obligations	14,018,712	13,589,392
Derivatives	$ 1,824	$ 838

FAIR VALUE (Fair Value Option f

FAIR VALUE (Fair Value Option for Financial Assets and Liabilities) (Details) - USD ($) $ in Thousands	Jan. 28, 2014	Mar. 31, 2019	Dec. 31, 2018
Fair Value
Nonaccrual loans		$ 3,986	$ 7,630
Aggregate UPB
Nonaccrual loans		6,529	10,427
Difference
Nonaccrual loans		(2,543)	(2,797)
Residential mortgages
Difference
Principal balance of loans serviced for others		$ 14,300,000	14,400,000
LHFS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Threshold period for discontinuing and reversing accrual of interest (more than)		90 days
Fair Value
LHFS		$ 188,282	209,506
Aggregate UPB
LHFS		182,381	204,061
Difference
LHFS		5,901	5,445
RICs HFI
Fair Value
RICs HFI		114,809	126,312
Aggregate UPB
RICs HFI		128,578	142,882
Difference
RICs HFI		$ (13,769)	$ (16,570)
SC | RICs HFI
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Threshold period for discontinuing and reversing accrual of interest (more than)	60 days	60 days
Fair Value
RICs HFI	$ 1,900,000
Aggregate UPB
RICs HFI	$ 2,600,000

NON-INTEREST INCOME AND OTHER_3

NON-INTEREST INCOME AND OTHER EXPENSES (Schedule of Non-Interest Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Revenue from Contract with Customer [Abstract]
Consumer and commercial fees	$ 133,018	$ 138,561
Lease income	674,885	540,896
Mortgage banking income, net	8,815	16,345
BOLI	14,317	14,568
Capital market revenue	49,522	56,613
Net gain on sale of operating leases	24,011	53,200
Asset and wealth management fees	43,048	43,337
Loss on sale of non-mortgage loans	(67,457)	(43,910)
Other miscellaneous income, net	17,287	(17,747)
Net losses on sale of investment securities	(2,000)	(663)
TOTAL NON-INTEREST INCOME	$ 895,446	$ 801,200

NON-INTEREST INCOME AND OTHER_4

NON-INTEREST INCOME AND OTHER EXPENSES (Disaggregation by Revenue Source) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Disaggregation of Revenue [Line Items]
Out-of-scope of revenue from contracts with customers	$ 716,571	$ 627,222
Lease income	674,885	540,896
Miscellaneous income/(loss)	(22,060)	13,785
Net losses on sale of investment securities	(2,000)	(663)
Non-interest income	895,446	801,200
Depository services
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	56,167	58,346
Commission and trailer fees
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	38,649	29,450
Interchange income, net
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	15,112	13,473
Underwriting service fees
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	23,543	24,504
Asset and wealth management fees
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	36,920	38,203
Other revenue from contracts with customers
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	8,484	10,002
Total In-scope of revenue from contracts with customers
Disaggregation of Revenue [Line Items]
In-scope of revenue from contracts with customers	178,875	173,978
Consumer and commercial fees
Disaggregation of Revenue [Line Items]
Out-of-scope of revenue from contracts with customers	$ 65,746	$ 73,204

NON-INTEREST INCOME AND OTHER_5

NON-INTEREST INCOME AND OTHER EXPENSES (Schedule of Other Expense) (Details) - USD ($) $ in Thousands	3 Months Ended		48 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Amortization of intangibles	$ 14,766	$ 15,288
Deposit insurance premiums and other expenses	31,737	16,761	$ 25,300
Loss on debt extinguishment	18	2,212
Other administrative expenses	135,883	103,555
Other miscellaneous expenses	3,327	1,437
Total Other expenses	$ 185,731	$ 139,253

COMMITMENTS, CONTINGENCIES AN_3

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Other Commitments) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Other Commitments [Line Items]
Lines of credit outstanding	$ 86,700	$ 88,700
Total commitments	31,782,275	31,836,778
Commitments to extend credit
Other Commitments [Line Items]
Other commitments	30,369,313	30,269,311
Letters of credit
Other Commitments [Line Items]
Letters of credit	1,334,250	1,488,714
Unsecured revolving lines of credit
Other Commitments [Line Items]
Lines of credit outstanding	28,404	28,145
Recourse exposure on sold loans
Other Commitments [Line Items]
Other commitments	49,945	49,733
Commitments to sell loans
Other Commitments [Line Items]
Other commitments	$ 363	$ 875

COMMITMENTS, CONTINGENCIES AN_4

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Commitments to Extend Credit) (Details) - USD ($) $ in Billions	Mar. 31, 2019	Dec. 31, 2018
Commitments to extend credit
Other Commitments [Line Items]
Commitments that can be canceled without notice	$ 5.6	$ 5.7

COMMITMENTS, CONTINGENCIES AN_5

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Letters of Credit) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018	Dec. 31, 2017
Other Commitments [Line Items]
Reserve for unfunded lending commitments	$ 92,685	$ 95,500	$ 89,865	$ 109,111
Lines of credit outstanding	$ 86,700	88,700
Letters of credit
Other Commitments [Line Items]
Commitments, weighted average term	1 year 3 months 26 days
Letters of credit	$ 1,334,250	1,488,714
Reserve for unfunded lending commitments	$ 3,800	$ 4,600

COMMITMENTS, CONTINGENCIES AN_6

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Commitments to Sell Loans) (Details)	3 Months Ended
	Mar. 31, 2019
Commitments to sell loans
Other Commitments [Line Items]
Forward contracts maturity period (less than)	1 year

COMMITMENTS, CONTINGENCIES AN_7

COMMITMENTS, CONTINGENCIES AND GUARANTEES (SC Commitments) (Details) - SC - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Consumer arrangements
Long-term Purchase Commitment [Line Items]
Contingencies	$ 2,999	$ 2,138
Chrysler | Revenue-sharing and gain-sharing payments
Long-term Purchase Commitment [Line Items]
Commitments	13,254	7,001
Bank of America | Servicer performance fee
Long-term Purchase Commitment [Line Items]
Commitments	5,980	6,353
CBP | Loss-sharing payments
Long-term Purchase Commitment [Line Items]
Commitments	$ 3,340	$ 3,708

COMMITMENTS, CONTINGENCIES AN_8

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Chrysler Agreement) (Details) - SC - Chrysler	3 Months Ended
	Mar. 31, 2019USD ($)
Other Commitments [Line Items]
Financing dedicated to FCA retail financing	$ 4,500,000,000
Commitment to meet escalating penetration rates, period	5 years
Minimum
Other Commitments [Line Items]
Funding available for dealer inventory financing	$ 5,000,000,000

COMMITMENTS, CONTINGENCIES AN_9

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Agreement with Bank of America) (Details) - SC - Bank of America - USD ($)	3 Months Ended
	Mar. 31, 2019	Jan. 31, 2017
Other Commitments [Line Items]
Commitments		$ 300,000,000
Servicer payments period	6 years

COMMITMENTS, CONTINGENCIES A_10

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Agreement with CBP) (Details)	3 Months Ended
	Mar. 31, 2019
SC | CBP
Other Commitments [Line Items]
Loss-sharing payment percentage	0.50%

COMMITMENTS, CONTINGENCIES A_11

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Other Contingencies) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
SC | Consumer arrangements
Loss Contingencies [Line Items]
Contingencies	$ 2,999	$ 2,138

COMMITMENTS, CONTINGENCIES A_12

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Bluestem) (Details) - SC - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Commitments [Line Items]
Purchase obligation	$ 9.2	$ 15.4
Purchase commitment, repurchase rate	9.99%
Purchase commitment, exercise of repurchase rights, retainer rate	20.00%
Bluestem | Purchase New Advances on Personal Revolving Financing Receivable
Other Commitments [Line Items]
Other commitments	$ 2,800	3,100	$ 3,900
Purchases from other commitments	300	$ 1,200
Bluestem | Purchase of Receivables Related to New Opened Customer Accounts
Other Commitments [Line Items]
Purchases from other commitments	$ 24.2

COMMITMENTS, CONTINGENCIES A_13

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Others) (Details) - SC - USD ($)	3 Months Ended
	Mar. 31, 2019	Dec. 31, 2018
Other Commitments [Line Items]
Minimum sales commitment, charged off loan receivables	$ 350,000,000
Threshold for sales subject to market price check (over)	275,000,000
Minimum sales commitment, loans receivable, written off, remaining	$ 52,200,000	$ 64,000,000

COMMITMENTS, CONTINGENCIES A_14

COMMITMENTS, CONTINGENCIES AND GUARANTEES (Legal and Regulatory Proceedings) (Details) $ in Thousands	1 Months Ended		3 Months Ended
	Jan. 31, 2019USD ($)	Feb. 28, 2015USD ($)	Mar. 31, 2019USD ($)claim	Dec. 31, 2018USD ($)	Jul. 31, 2018USD ($)	Oct. 31, 2013USD ($)
Loss Contingencies [Line Items]
Accrued legal and regulatory liabilities			$ 250,700	$ 215,200
Puerto Rico FINRA Arbitrations
Loss Contingencies [Line Items]
Number of FINRA arbitration cases | claim			623
Number of claims that remain pending | claim			425
Puerto Rico Closed-End Funds Shareholder Derivative and Class Action | Puerto Rico
Loss Contingencies [Line Items]
Bonds (more than)						$ 180,000
Closed-end funds						$ 101,000
SC | Civil Penalty to the SEC
Loss Contingencies [Line Items]
Amount agreed to be paid	$ 1,500
SC | Parmelee Lawsuit
Loss Contingencies [Line Items]
Estimate of possible loss					$ 9,500
Number of claims dismissed | claim			2
SC | Violation of Service Members Civil Relief Act
Loss Contingencies [Line Items]
SCRA compliance period		5 years
SC | Violation of Service Members Civil Relief Act | Civil Fine
Loss Contingencies [Line Items]
Damages sought, value		$ 55
SC | Violation of Service Members Civil Relief Act | Lost Equity for Each Repossession
Loss Contingencies [Line Items]
Damages sought, value		10
SC | Violation of Service Members Civil Relief Act | Sought to Collect Repossession-related Fees
Loss Contingencies [Line Items]
Damages sought, value		5
Maximum
Loss Contingencies [Line Items]
Estimate of possible loss			$ 249,000	$ 286,000
Minimum | SC | Violation of Service Members Civil Relief Act | Civil Fine to Affected Service Members
Loss Contingencies [Line Items]
Damages sought, value		$ 9,400

RELATED PARTY TRANSACTIONS (Con

RELATED PARTY TRANSACTIONS (Contributions from Santander) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2017
Related Party Transaction [Line Items]
Contribution from shareholder	$ 34,331	$ 5,741
Santander
Related Party Transaction [Line Items]
Cash contribution			$ 15,300
Affiliated Entity | Santander
Related Party Transaction [Line Items]
Cash contribution	34,331	5,741
Adjustment to book value of assets purchased on January 1	0	277
Deferred tax asset on purchased assets	0	3,156
Contribution from shareholder	$ 34,331	$ 9,174

RELATED PARTY TRANSACTIONS (Nar

RELATED PARTY TRANSACTIONS (Narrative) (Details) - USD ($)	Jan. 01, 2018	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018	Dec. 31, 2017
Santander
Related Party Transaction [Line Items]
Net capital contribution					$ 2,800,000
Cash contribution					15,300,000
Return of capital					$ 12,500,000
Santander | Affiliated Entity
Related Party Transaction [Line Items]
Cash contribution		$ 34,331,000	$ 5,741,000
Adjustment to book value of assets purchased on January 1		0	277,000
Santander | Produban Servicios Informaticos Generales S.L. and Ingenieria De Software Bancario S.L. | Affiliated Entity
Related Party Transaction [Line Items]
Adjustment to book value of assets purchased on January 1	$ 300,000
Deferred tax asset on purchased assets				$ 3,200,000
Santander | Produban Servicios Informaticos Generales S.L. and Ingenieria De Software Bancario S.L. | Affiliated Entity | Net Book Value, Net Assets Acquired
Related Party Transaction [Line Items]
Amount of related party transactions	2,800,000
Santander | Produban Servicios Informaticos Generales S.L. and Ingenieria De Software Bancario S.L. | Affiliated Entity | Fair Value, Net Assets Acquired
Related Party Transaction [Line Items]
Amount of related party transactions	15,300,000
Santander | SC | Affiliated Entity
Related Party Transaction [Line Items]
Loans at fair value		0	1,500,000,000
Servicing fee income		8,400,000	$ 4,800,000
Collections due to Santander		$ 15,800,000		$ 16,000,000
SBNA | Affiliated Entity
Related Party Transaction [Line Items]
Assets contributed	$ 3,100,000

BUSINESS SEGMENT INFORMATION (N

BUSINESS SEGMENT INFORMATION (Narrative) (Details)	May 01, 2013	Mar. 31, 2019USD ($)segment
FCA
Segment Reporting Information [Line Items]
Private label financing agreement, term	10 years
Commercial Banking
Segment Reporting Information [Line Items]
Number of reportable segments | segment		2
CIB
Segment Reporting Information [Line Items]
Minimum annual revenue to service corporations | $		$ 500,000,000

BUSINESS SEGMENT INFORMATION (S

BUSINESS SEGMENT INFORMATION (Segment Information) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018	Dec. 31, 2018
Segment Reporting Information [Line Items]
Net interest income	$ 1,602,885	$ 1,550,353
Non-interest income	895,446	801,200
Provision for / (release of) credit losses	600,211	553,880
Total expenses	1,542,414	1,441,361
INCOME BEFORE INCOME TAX PROVISION	355,706	356,312
Intersegment revenue/(expense)	0	0
Total assets	138,956,595	129,211,443	$ 135,634,285
Reportable Segments | Consumer & Business Banking
Segment Reporting Information [Line Items]
Net interest income	364,977	304,050
Non-interest income	73,761	82,737
Provision for / (release of) credit losses	37,000	38,389
Total expenses	392,513	408,339
INCOME BEFORE INCOME TAX PROVISION	9,225	(59,941)
Intersegment revenue/(expense)	395	678
Total assets	21,537,786	18,857,134
Reportable Segments | C&I
Segment Reporting Information [Line Items]
Net interest income	53,344	56,650
Non-interest income	16,272	32,691
Provision for / (release of) credit losses	8,660	(7,900)
Total expenses	53,349	51,674
INCOME BEFORE INCOME TAX PROVISION	7,607	45,567
Intersegment revenue/(expense)	1,251	978
Total assets	7,187,337	6,241,656
Reportable Segments | CRE & VF
Segment Reporting Information [Line Items]
Net interest income	102,565	98,869
Non-interest income	3,239	1,160
Provision for / (release of) credit losses	(134)	(1,841)
Total expenses	35,572	42,010
INCOME BEFORE INCOME TAX PROVISION	70,366	59,860
Intersegment revenue/(expense)	2,009	553
Total assets	18,978,574	18,077,107
Reportable Segments | CIB
Segment Reporting Information [Line Items]
Net interest income	38,037	32,721
Non-interest income	52,206	50,583
Provision for / (release of) credit losses	1,443	(2,055)
Total expenses	66,387	60,040
INCOME BEFORE INCOME TAX PROVISION	22,413	25,319
Intersegment revenue/(expense)	(3,670)	(2,281)
Total assets	9,200,197	7,062,542
Reportable Segments | Other
Segment Reporting Information [Line Items]
Net interest income	41,187	62,968
Non-interest income	93,276	111,135
Provision for / (release of) credit losses	3,769	6,337
Total expenses	218,040	175,320
INCOME BEFORE INCOME TAX PROVISION	(87,346)	(7,554)
Intersegment revenue/(expense)	15	72
Total assets	37,006,795	38,944,264
Reportable Segments | SC
Segment Reporting Information [Line Items]
Net interest income	983,565	976,142
Non-interest income	675,554	531,736
Provision for / (release of) credit losses	550,879	510,341
Total expenses	770,973	694,870
INCOME BEFORE INCOME TAX PROVISION	337,267	302,667
Intersegment revenue/(expense)	0	0
Total assets	45,045,906	40,028,740
SC Purchase Price Adjustments | SC
Segment Reporting Information [Line Items]
Net interest income	7,324	9,895
Non-interest income	2,002	2,686
Provision for / (release of) credit losses	(1,406)	10,609
Total expenses	10,530	11,729
INCOME BEFORE INCOME TAX PROVISION	202	(9,757)
Intersegment revenue/(expense)	0	0
Total assets	0	0
Eliminations
Segment Reporting Information [Line Items]
Net interest income	11,886	9,058
Non-interest income	(20,864)	(11,528)
Provision for / (release of) credit losses	0	0
Total expenses	(4,950)	(2,621)
INCOME BEFORE INCOME TAX PROVISION	(4,028)	151
Intersegment revenue/(expense)	0	0
Total assets	$ 0	$ 0