SANTANDER UK PLC
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-03-15 (in 10mo)
Last made up 2026-03-01
Watchouts
Cash
£29B
-1.7% vs 2024
Net assets
£15B
+10% vs 2024
Employees
15,802
-3.2% vs 2024
Profit before tax
£1B
-29.4% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 1 time since incorporation
- SANTANDER UK PLC 2010-01-11 → present
- ABBEY NATIONAL PLC 1988-09-12 → 2010-01-11
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £4,998,000,000 | £4,729,000,000 | |
| Operating profit | £2,450,000,000 | £2,276,000,000 | |
| Profit before tax | £2,100,000,000 | £1,482,000,000 | |
| Net profit | £1,541,000,000 | £1,086,000,000 | |
| Cash | £29,881,000,000 | £29,376,000,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £13,773,000,000 | £15,148,000,000 | |
| Equity | £13,773,000,000 | £15,148,000,000 | |
| Average employees | 16,330 | 15,802 | |
| Wages | £820,000,000 | £799,000,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 49.0% | 48.1% | |
| Net margin | 30.8% | 23.0% | |
| Gearing (liabilities / total assets) | 94.7% | 94.3% |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Santander UK plc's directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”
Group structure
- SANTANDER UK PLC · parent
- Santander Cards Limited 100%
- 2 & 3 Triton Limited (In Liquidation) 100%
- Santander Financial Services plc 100%
- Abbey National Property Investments 100%
- Alliance & Leicester Personal Finance Limited 100%
- Cater Allen Limited 100%
- First National Tricycle Finance Limited 100%
- Santander Global Limited 100%
- Santander UK Group Holdings plc 100%
- Santander Cards UK Limited 100%
- Santander Consumer (UK) plc 100%
- Santander Consumer Credit Services Limited 100%
- Santander Estates Limited 100%
- Santander Global Consumer Finance Limited 100%
- Santander Insurance Company (In Liquidation) 100%
- Santander Lending Limited 100%
- Santander Private Banking UK Limited 100%
- Santander Securitisations Limited 100%
- Santander UK (Structured Solutions) Limited 100%
- Santander UK Technology Limited 100%
Significant events
- “On 1 July 2025, Banco Santander announced that it reached an agreement to acquire 100% of TSB Banking Group plc (TSB) from Banco de Sabadell SA (Sabadell) with a total cash consideration of approximately £5.8bn.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
14 active · 86 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RULE, Rosamund Martha | Secretary | 2025-01-01 | — | — |
| ADITYA, Mahesh Chatta | Director | 2025-10-01 | May 1962 | American |
| AMARAL FRANCO PRETO, Manuel Antonio | Director | 2026-03-13 | Feb 1973 | Portuguese |
| FRETWELL, Lisa Elaine | Director | 2022-01-01 | Sep 1970 | British |
| GLEDHILL, David John | Director | 2024-09-01 | Mar 1962 | British |
| HINCHLIFFE, Michelle Anne | Director | 2023-06-01 | Feb 1965 | British,Australian |
| LEWIS, Mark Peter | Director | 2020-12-16 | May 1969 | British |
| MORGAN, Nicola Ann, Baroness | Director | 2021-08-10 | Oct 1972 | British |
| OLDFIELD, David James Stanley | Director | 2024-12-01 | Sep 1962 | British |
| ROIG SOLER, Victoria | Director | 2026-03-13 | Nov 1975 | Spanish |
| ROLDAN ALEGRE, Jose Maria | Director | 2023-06-01 | Feb 1964 | Spanish |
| SANTODOMINGO MARTELL, Angel | Director | 2024-03-05 | Nov 1965 | Spanish |
| SCHOLAR, Thomas Whinfield, Sir | Director | 2025-05-16 | Dec 1968 | British |
| WALKDEN, Pamela Ann | Director | 2021-10-01 | May 1960 | British |
Show 86 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOSTON, Marc-John | Secretary | 2017-01-01 | 2019-02-28 |
| COLES, Shaun Patrick | Secretary | 2014-10-01 | 2016-09-01 |
| FORTUNATO, Karen Mary | Secretary | 2003-02-26 | 2014-10-01 |
| JACKSON-TURNER, Katie Louise | Secretary | 2019-09-02 | 2020-09-30 |
| LLOYD, Timothy Simon | Secretary | 2016-09-01 | 2016-12-31 |
| MALKIN, Gwyn | Secretary | 2002-01-01 | 2003-02-26 |
| MILLS, John Michael | Secretary | 2021-10-01 | 2025-01-31 |
| MITCHLEY, Simon Colin | Secretary | 2020-10-01 | 2021-09-30 |
| RAMSELL, Philip Andrew | Secretary | 2003-12-18 | 2004-07-05 |
| TREACY, Ian Kinsman | Secretary | — | 2002-01-01 |
| WHITE, Gavin Raymond | Secretary | 2019-03-01 | 2019-09-01 |
| WILKES, Norman | Secretary | 2002-02-04 | 2003-12-18 |
| ALLEN, Leon Robert | Director | 1998-10-01 | 2004-12-01 |
| ALLEN, Susan Mary | Director | 2019-01-01 | 2021-04-28 |
| ALVAREZ LABIANO, Enrique | Director | 2025-02-12 | 2026-02-25 |
| AMATO, Michael Lester | Director | 2013-08-01 | 2015-12-31 |
| ARGALAS, Lindsey Tyler | Director | 2018-01-01 | 2019-05-07 |
| ARNOLD, Luqman Philip Vasa | Director | 2002-10-21 | 2004-11-15 |
| BAGLIN, Richard John | Director | — | 1992-12-31 |
| BARKER, Jane Victoria | Director | 2008-10-21 | 2011-12-31 |
| BARNES, Mair | Director | 1992-07-01 | 2001-06-30 |
| BAYLISS, John | Director | — | 1993-12-31 |
| BENNETT, David Jonathan | Director | 2008-10-21 | 2009-04-30 |
| BIRCH, Peter Gibbs | Director | — | 1998-02-28 |
| BOSTOCK, Nathan Mark | Director | 2014-08-19 | 2022-04-01 |
| BOSTOCK, Nathan Mark | Director | 2005-02-22 | 2009-05-31 |
| BOTIN-SANZ DE SAUTUOLA Y O'SHEA, Ana Patricia | Director | 2010-12-01 | 2021-04-30 |
| BRAGANCA, Miguel Campos Pereira | Director | 2006-09-26 | 2008-10-21 |
| BRITTAIN, Alison Jane | Director | 2008-01-02 | 2011-03-22 |
| BROWN, Roy Drysdale | Director | 2008-10-21 | 2015-12-31 |
| BURNS, Terence, Lord | Director | 2001-12-01 | 2015-03-30 |
| BYRNE, Gerald | Director | 2017-12-01 | 2020-08-31 |
| CARBALLO COTANDA, Jose Maria | Director | 2004-12-01 | 2015-03-30 |
| CARNEGIE-BROWN, Bruce Neil | Director | 2019-09-16 | 2021-09-30 |
| CARNEGIE-BROWN, Bruce Neil | Director | 2012-10-01 | 2017-06-01 |
| CHAKRAVERTY, Julie | Director | 2018-06-11 | 2019-05-07 |
| COLOMBAS CALAFAT, Juan | Director | 2009-07-31 | 2010-12-01 |
| COOPER, Geoffrey Ian | Director | 2004-01-01 | 2004-12-01 |
| CORUCHE CASTRO E ALMEIDA, Pedro Aires | Director | 2023-09-01 | 2026-03-12 |
| CURRAN, Garrett Paul | Director | 2019-05-07 | 2021-12-31 |
| CURRIE, David Anthony, Lord | Director | 2001-01-23 | 2002-07-31 |
| DAVIS, Peter Anthony | Director | — | 1994-04-28 |
| DAYAL, Madhukar | Director | 2019-09-16 | 2023-09-27 |
| DENHOLM, James Allan | Director | — | 1997-04-24 |
| DOS SANTOS SIMOES, Antonio Pedro | Director | 2021-04-30 | 2023-08-31 |
| DROMER, Alain Henri | Director | 2013-10-01 | 2018-08-31 |
| DURBIN, Annemarie Verna Florence | Director | 2016-01-13 | 2023-12-15 |
| ESCAMEZ TORRES, Antonio | Director | 2012-10-01 | 2015-12-31 |
| FRY, John Marshall | Director | — | 1996-04-17 |
| FUSTER VAN BENDEGEM, Jose Maria | Director | 2004-12-01 | 2016-04-01 |
| GIERA, Edward Joseph | Director | 2015-08-19 | 2025-03-31 |
| GOMEZ ROLDAN, Francisco | Director | 2004-11-15 | 2006-07-29 |
| HARDIE, Richard Graeme Barclay | Director | 2005-02-22 | 2006-09-26 |
| HARLEY, Ian | Director | 1993-06-01 | 2002-07-19 |
| HAYDEN, Richard Michael | Director | 1999-09-21 | 2004-12-01 |
| HEISER, Terence Michael, Sir | Director | 1992-10-01 | 2001-09-30 |
| HESTER, Stephen Alan Michael | Director | 2002-05-13 | 2004-11-12 |
| HORTA-OSORIO, Antonio Mota De Sousa | Director | 2004-12-01 | 2010-12-01 |
| INCIARTE, Juan Rodriguez | Director | 2004-12-01 | 2018-12-31 |
| INGRAM, Timothy Charles William | Director | 1996-08-05 | 2002-02-28 |
| JACKSON, Jeremy Peter | Director | 2016-04-01 | 2017-02-28 |
| JETHA, Yasmin | Director | 2001-01-23 | 2004-11-30 |
| JONES, Christopher Philip | Director | 2015-03-30 | 2023-09-30 |
| JONES, David Gareth | Director | 1993-09-08 | 2001-10-31 |
| JONES, Stephen Edward | Director | 2012-03-06 | 2015-10-30 |
| KING, John | Director | 1999-05-01 | 2002-02-28 |
| KNIGHTON, Robert Frank | Director | 1993-09-08 | 1996-12-31 |
| LLOWARCH, Martin Edge | Director | — | 1999-04-22 |
| LONGHURST, Andrew Henry | Director | 2005-01-28 | 2008-10-21 |
| LORENZO, Antonio | Director | 2009-06-01 | 2010-12-01 |
| LYONS, Alastair David | Director | 1996-08-05 | 1997-04-04 |
| MARZLUF, Dirk Ludwig | Director | 2019-05-07 | 2025-09-30 |
| MILLINGTON, Malcolm John | Director | 1999-01-01 | 2003-09-08 |
| MORAN, Jorge | Director | 2005-12-20 | 2008-10-21 |
| MORRISON, Sara Antoinette Frances Sibell, The Honourable | Director | — | 1995-06-27 |
| MURPHY, Gerard Martin, Dr | Director | 2004-01-01 | 2004-12-01 |
| NUS, Jose Maria | Director | 2011-03-17 | 2014-04-01 |
| OGDEN, Peter James, Sir | Director | 1994-09-27 | 2003-12-31 |
| PAIN, Mark Andrew | Director | 1998-01-01 | 2005-01-28 |
| PATEMAN, Stephen James | Director | 2011-06-01 | 2015-10-02 |
| PATRICK, Frederick Douglas | Director | — | 1994-05-31 |
| POPLE, Andrew Howard | Director | 1996-08-05 | 2002-11-28 |
| PORTER, Angus James, Doctor | Director | 2003-07-01 | 2005-02-25 |
| PRESTEDGE, Tony-Paul | Director | 2020-12-18 | 2021-07-28 |
| RADICE, Vittorio | Director | 2001-10-23 | 2004-12-01 |
| REGNIER, Michael Charles | Director | 2022-04-01 | 2026-02-27 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Santander Uk Group Holdings Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 2460 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-05-06 RESOLUTIONS Resolution
- 2025-08-26 RESOLUTIONS Resolution
- 2025-07-04 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-06 | RESOLUTIONS | resolution | Resolution | |
| 2026-04-27 | SH01 | capital | Capital allotment shares | |
| 2026-04-15 | CH01 | officers | Change person director company with change date | |
| 2026-03-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-25 | AA | accounts | Accounts with accounts type group | |
| 2026-03-16 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-14 | CH01 | officers | Change person director company with change date | |
| 2025-10-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-19 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-09-19 | OC138 | capital | Legacy | |
| 2025-09-19 | CERT19 | capital | Certificate capital reduction share premium | |
| 2025-08-26 | RESOLUTIONS | resolution | Resolution | |
| 2025-07-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-04 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-21 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 4
- Officers appointed
- 4
- Officers resigned
- 4
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-5.4%
£4,998,000,000 £4,729,000,000
-
Cash
-1.7%
£29,881,000,000 £29,376,000,000
-
Net assets
+10%
£13,773,000,000 £15,148,000,000
-
Employees
-3.2%
16,330 15,802
-
Operating profit
-7.1%
£2,450,000,000 £2,276,000,000
-
Profit before tax
-29.4%
£2,100,000,000 £1,482,000,000
-
Wages
-2.6%
£820,000,000 £799,000,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers