Santander UK at a glance
Our business model is focused on building customer loyalty, through being digital first with a human touch.
2025
We provide high quality, seamless service across our branch network, digital and telephony channels
13.6 million
active UK customers
c.15,400
full time equivalent employees
£169.0bn
mortgage lending
£190.2bn
customer deposits
We offer innovative products and services to help people and businesses prosper
Our purpose
To help people and businesses prosper.
Our aim
To be the best open financial services platform, by acting responsibly and earning the lasting loyalty of our people, customers, shareholders and communities.
Our how
Everything we do should be Simple, Personal and Fair.
We manage our business through three core operating segments, supported by the Corporate Centre
Retail & Business Banking
Retail & Business Banking provides UK residential mortgages for customers with good credit quality, lending and banking services and unsecured lending to individuals and small businesses.
Corporate & Commercial Banking
Corporate & Commercial Banking provides banking products and services to SMEs, mid-sized and larger corporates.
Consumer Finance
Consumer Finance provides prime auto consumer financing for cars, vans, motorbikes and leisure vehicles.
Our business model
What we do
We provide financial products and services
Mortgages, consumer auto finance, unsecured loans, credit cards, banking and savings accounts, investment and insurance products for individuals and growth-focused support and services for companies.
Our competitive advantages
Scaled and established bank in the UK
Scale in our core banking businesses combined with an innovative mindset.
Strong balance sheet with a prudent approach to risk
High asset quality and capital metrics well above regulatory requirements.
Part of a global banking group
Benefit from Banco Santander's global capabilities and scale.
A talented and motivated team
A highly talented and engaged team, with the right skills in place to support our customers and transform the bank.
Our strategic priorities
Continue to be customer centric and increase primacy
Simplification, automation, AI and digitalisation
Create value and be disciplined with capital allocation
Be a responsible bank
Suppliers
At Santander, we collaborate with over 1,300 suppliers and intra-group companies who support us in running our business effectively. Together, we work towards achieving our purpose to help people and businesses prosper in a simple, personal, and fair way.
Learn more about our commitment to our suppliers.
Sustainability
We believe that our business performance should not be considered separately from the prosperity of all our stakeholders and sustainability of the wider environment
See our sustainability microsite for more information.
Customers
We want to help people and businesses prosper and aim to do so by being Simple, Personal and Fair in everything we do
Shareholders
We aim to deliver a long-term, sustainable return for our shareholders while helping people and businesses prosper
People
We aim to create a thriving workplace that attracts, retains and rewards talented and committed people. Our culture promotes inclusion and diversity, prioritises wellbeing and develops the skills of our people
Communities
We support and invest in communities across the UK to foster sustainable economic growth