At the bank level, however, the LTD ratio is about 85%, below the large regional bank peer median of approximately 90% and SBNA has access to Federal Home Loan Bank borrowings.
The IDRs and senior debt ratings of SHUSA, SBNA, and BSPR are directly linked to that of Banco Santander.
Further, Fitch expects that SHUSA will improve earnings measures over the medium term by achieving operational efficiencies, at SBNA in particular, funding cost targets, and returning to a normalized level of loan growth at SBNA.
SBNA and BSPR's long- and short-term deposit ratings are sensitive to any changes in SHUSA's long- and short-term IDRs.
On the other hand VETiS is strong and a recent survey found a very high interest amongst school students in SBNAs.
SBNAs are supported, but pre-apprenticeships are not strong in the ACT.
accreditation and funding restrictions applied to VETiS and SBNAs by state and territory education departments; and