About Santander UK

Helping our customers at the moments that matter most.

Santander UK is a large retail and commercial bank based in the UK and a wholly-owned subsidiary of the major global bank Banco Santander.

About us

Highlights: 9M-23

  • 14 million

    active customers

     
  • £177.0bn

    mortgage stock

    (2022: £187.1bn)

  • 47%

    cost-to-income ratio

    (9M-22: 48%)

  • 2.23%

    Banking NIM

    (9M-22: 2.04%)

  • 7 million

    digital customers

     
  • 77%

    digital mortgage retention 

  • £1,731m

    profit before tax

    (9M-22: £1,489m)

  • 16.0%

    CET1 capital ratio

    (2022: 15.2%)

  • £122m

    of investment  
    (9M-22: £156m)

  • Green Homes Report

    published 'Buying into the Green Homes Revolution'

     

  • Carbon Neutral

    in our own operations

     
  • 1.48%

    Stage 3 ratio

    (2022: 1.24%)