Business Current Accounts

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.

2025 Overview

10.0%

RoTE  
(2024: 8.8%)

£169.0bn

mortgage stock  
(Dec-24: £167.2bn)

52%

cost-to-income ratio 
(2024: 55%)

2.23%

Banking NIM
(2024: 2.14%)

1.17%

stage 3 ratio
(2024: 1.40%)

Retail NPS

6th
(2024: 5th)

£1,510m

profit before tax
(2024: £1,330m)

15.7%

CET1 capital ratio  
(Dec-24: 14.8%)

Factsheet

Take a look at our latest results