SNTUF on OTC
Santander UK plc
Commercial banks company, listed on OTC (SNTUF)1
In its 2026 annual report (Form 20-F) the company says: “We focus on economic and market conditions and forecasts, regulations, conduct matters, profitability, returns and market share.”9
Price unavailable
Last updated Oct 21, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Financial statements
No quarterly figures reported.
Every line of the income statement as filed: the last 3 fiscal years, latest first.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and similar income | 11.5B GBP | 12.4B GBP | 11.6B GBP |
| Interest expense and similar charges | -7.2B GBP | -8.1B GBP | -7.0B GBP |
| Net interest income | 4.4B GBP | 4.3B GBP | 4.7B GBP |
| Fee and commission income | 752.0M GBP | 733.0M GBP | 804.0M GBP |
| Fee and commission expense | -419.0M GBP | -481.0M GBP | -501.0M GBP |
| Net fee and commission income | 333.0M GBP | 252.0M GBP | 303.0M GBP |
| Other operating income | 16.0M GBP | 93.0M GBP | 135.0M GBP |
| Total operating income | 4.7B GBP | 4.7B GBP | 5.1B GBP |
| Operating expenses before credit impairment charges, provisions and charges | -2.5B GBP | -2.5B GBP | -2.5B GBP |
| Credit impairment charges | -193.0M GBP | -71.0M GBP | -205.0M GBP |
| Provisions for other liabilities and charges | -597.0M GBP | -689.0M GBP | -335.0M GBP |
| Total credit impairment charges, provisions and charges | -790.0M GBP | -760.0M GBP | -540.0M GBP |
| Profit before tax | 1.5B GBP | 1.3B GBP | 2.1B GBP |
| Tax on profit | -396.0M GBP | -378.0M GBP | -559.0M GBP |
| Profit after tax | 1.1B GBP | 971.0M GBP | 1.5B GBP |
No quarter-by-quarter statement was filed.
No quarterly figures reported.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and balances at central banks | 29.4B GBP | 29.9B GBP | 38.2B GBP | |
| Derivative financial instruments | 870.0M GBP | 1.2B GBP | ||
| Other financial assets at fair value through profit or loss | 64.0M GBP | 136.0M GBP | ||
| Loans and advances to banks | 1.0B GBP | 1.0B GBP | ||
| Loans and advances to customers | 202.6B GBP | 199.4B GBP | ||
| Reverse repurchase agreements - non-trading | 17.7B GBP | 10.3B GBP | ||
| Other financial assets at amortised cost | 4.0B GBP | 3.4B GBP | ||
| Macro hedge of interest rate risk | -80.0M GBP | -738.0M GBP | ||
| Financial assets at fair value through other comprehensive income | 5.2B GBP | 9.0B GBP | ||
| Interests in other entities | 293.0M GBP | 289.0M GBP | ||
| Intangible assets | 1.5B GBP | 1.5B GBP | ||
| Property, plant and equipment | 1.5B GBP | 1.6B GBP | ||
| Current tax assets | 355.0M GBP | 506.0M GBP | ||
| Retirement benefit assets | 524.0M GBP | 439.0M GBP | ||
| Other assets | 1.9B GBP | 1.9B GBP | ||
| Assets held for sale | 18.0M GBP | 12.0M GBP | ||
| Total assets | 266.8B GBP | 259.9B GBP | ||
| Deposits by banks | 6.6B GBP | 14.0B GBP | ||
| Deposits by customers | 187.3B GBP | 181.0B GBP | ||
| Repurchase agreements - non-trading | 9.0B GBP | 8.6B GBP | ||
| Derivative financial instruments | 687.0M GBP | 702.0M GBP | ||
| Other financial liabilities at fair value through profit or loss | 1.2B GBP | 1.1B GBP | ||
| Debt securities in issue | 41.4B GBP | 35.7B GBP | ||
| Macro hedge of interest rate risk | 60.0M GBP | 47.0M GBP | ||
| Other liabilities | 2.2B GBP | 1.9B GBP | ||
| Provisions | 683.0M GBP | 611.0M GBP | ||
| Deferred tax liabilities | 437.0M GBP | 246.0M GBP | ||
| Retirement benefit obligations | 22.0M GBP | 23.0M GBP | ||
| Subordinated liabilities | 2.0B GBP | 2.4B GBP | ||
| Total liabilities | 251.7B GBP | 246.2B GBP | ||
| Share capital | 3.1B GBP | 3.1B GBP | ||
| Share premium | 1.1B GBP | 5.6B GBP | ||
| Other equity instruments | 1.9B GBP | 1.9B GBP | ||
| Other reserves | 186.0M GBP | -333.0M GBP | ||
| Retained earnings | 8.9B GBP | 3.5B GBP | ||
| Total equity | 15.1B GBP | 13.8B GBP | 14.6B GBP | 14.4B GBP |
| Total liabilities and equity | 266.8B GBP | 259.9B GBP |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and balances at central banks | 29.4B GBP | 29.9B GBP | 38.2B GBP | |
| Derivative financial instruments | 870.0M GBP | 1.2B GBP | ||
| Other financial assets at fair value through profit or loss | 64.0M GBP | 136.0M GBP | ||
| Loans and advances to banks | 1.0B GBP | 1.0B GBP | ||
| Loans and advances to customers | 202.6B GBP | 199.4B GBP | ||
| Reverse repurchase agreements - non-trading | 17.7B GBP | 10.3B GBP | ||
| Other financial assets at amortised cost | 4.0B GBP | 3.4B GBP | ||
| Macro hedge of interest rate risk | -80.0M GBP | -738.0M GBP | ||
| Financial assets at fair value through other comprehensive income | 5.2B GBP | 9.0B GBP | ||
| Interests in other entities | 293.0M GBP | 289.0M GBP | ||
| Intangible assets | 1.5B GBP | 1.5B GBP | ||
| Property, plant and equipment | 1.5B GBP | 1.6B GBP | ||
| Current tax assets | 355.0M GBP | 506.0M GBP | ||
| Retirement benefit assets | 524.0M GBP | 439.0M GBP | ||
| Other assets | 1.9B GBP | 1.9B GBP | ||
| Assets held for sale | 18.0M GBP | 12.0M GBP | ||
| Total assets | 266.8B GBP | 259.9B GBP | ||
| Deposits by banks | 6.6B GBP | 14.0B GBP | ||
| Deposits by customers | 187.3B GBP | 181.0B GBP | ||
| Repurchase agreements - non-trading | 9.0B GBP | 8.6B GBP | ||
| Derivative financial instruments | 687.0M GBP | 702.0M GBP | ||
| Other financial liabilities at fair value through profit or loss | 1.2B GBP | 1.1B GBP | ||
| Debt securities in issue | 41.4B GBP | 35.7B GBP | ||
| Macro hedge of interest rate risk | 60.0M GBP | 47.0M GBP | ||
| Other liabilities | 2.2B GBP | 1.9B GBP | ||
| Provisions | 683.0M GBP | 611.0M GBP | ||
| Deferred tax liabilities | 437.0M GBP | 246.0M GBP | ||
| Retirement benefit obligations | 22.0M GBP | 23.0M GBP | ||
| Subordinated liabilities | 2.0B GBP | 2.4B GBP | ||
| Total liabilities | 251.7B GBP | 246.2B GBP | ||
| Share capital | 3.1B GBP | 3.1B GBP | ||
| Share premium | 1.1B GBP | 5.6B GBP | ||
| Other equity instruments | 1.9B GBP | 1.9B GBP | ||
| Other reserves | 186.0M GBP | -333.0M GBP | ||
| Retained earnings | 8.9B GBP | 3.5B GBP | ||
| Total equity | 15.1B GBP | 13.8B GBP | 14.6B GBP | 14.4B GBP |
| Total liabilities and equity | 266.8B GBP | 259.9B GBP |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Profit before tax | 1.5B GBP | 1.3B GBP | 2.1B GBP |
| Depreciation and amortisation | 322.0M GBP | 300.0M GBP | 290.0M GBP |
| Loss from disposal of mortgage portfolio | 0 GBP | 31.0M GBP | 0 GBP |
| Provisions for other liabilities and charges | 597.0M GBP | 689.0M GBP | 335.0M GBP |
| Impairment losses | 207.0M GBP | 94.0M GBP | 195.0M GBP |
| Other non-cash items | -4.0M GBP | 65.0M GBP | -749.0M GBP |
| Pension charge for defined benefit pension schemes | 8.0M GBP | 13.0M GBP | 13.0M GBP |
| Total adjustments to reconcile profit (loss) | 1.1B GBP | 1.2B GBP | 84.0M GBP |
| Cash and balances at central banks | 140.0M GBP | 731.0M GBP | -88.0M GBP |
| Derivative assets | 334.0M GBP | 228.0M GBP | 975.0M GBP |
| Other financial assets at fair value through profit or loss | 72.0M GBP | 130.0M GBP | 40.0M GBP |
| Loans and advances to banks and customers | -3.4B GBP | 8.1B GBP | 12.1B GBP |
| Reverse repurchase agreements - non-trading | -7.3B GBP | 2.1B GBP | -5.1B GBP |
| Other assets | -70.0M GBP | 118.0M GBP | -141.0M GBP |
| Deposits by banks and customers | -1.1B GBP | -16.1B GBP | -13.5B GBP |
| Repurchase agreements - non-trading | 412.0M GBP | 206.0M GBP | 429.0M GBP |
| Derivative liabilities | -15.0M GBP | -116.0M GBP | -133.0M GBP |
| Other financial liabilities at fair value through profit or loss | 241.0M GBP | 179.0M GBP | 102.0M GBP |
| Debt securities in issue | 38.0M GBP | 212.0M GBP | 962.0M GBP |
| Other liabilities | -299.0M GBP | -1.4B GBP | -67.0M GBP |
| Net change in operating assets and liabilities | -11.0B GBP | -5.6B GBP | -4.4B GBP |
| Corporation taxes paid | -46.0M GBP | -240.0M GBP | -537.0M GBP |
| Effects of exchange rate differences | -344.0M GBP | -53.0M GBP | -518.0M GBP |
| Net cash flows from operating activities | -8.8B GBP | -3.3B GBP | -3.3B GBP |
| Purchase of property, plant and equipment and intangible assets | -407.0M GBP | -528.0M GBP | -385.0M GBP |
| Proceeds from sale of property, plant and equipment and intangible assets | 161.0M GBP | 148.0M GBP | 175.0M GBP |
| Purchase of financial assets at amortised cost and financial assets at FVOCI | -2.0B GBP | -10.3B GBP | -10.9B GBP |
| Proceeds from sale and redemption of financial assets at amortised cost and financial assets at FVOCI | 5.2B GBP | 6.2B GBP | 8.4B GBP |
| Net cash flows from investing activities | 3.0B GBP | -4.5B GBP | -2.7B GBP |
| Issue of other equity instruments | 500.0M GBP | 400.0M GBP | 0 GBP |
| Issue of debt securities and subordinated notes | 9.8B GBP | 8.4B GBP | 5.3B GBP |
| Issuance costs of debt securities and subordinated notes | -24.0M GBP | -28.0M GBP | -18.0M GBP |
| Repayment of debt securities and subordinated notes | -4.2B GBP | -6.5B GBP | -3.5B GBP |
| Repurchase of other equity instruments | -500.0M GBP | -500.0M GBP | 0 GBP |
| Dividends paid on ordinary shares | -26.0M GBP | -1.3B GBP | -1.5B GBP |
| Dividends paid on preference shares and other equity instruments | -132.0M GBP | -129.0M GBP | -123.0M GBP |
| Principal elements of lease payments | -22.0M GBP | -33.0M GBP | -47.0M GBP |
| Net cash flows from financing activities | 5.4B GBP | 285.0M GBP | 19.0M GBP |
| Change in cash and cash equivalents | -431.0M GBP | -7.6B GBP | -6.0B GBP |
| Effects of exchange rate changes on cash and cash equivalents | -12.0M GBP | -14.0M GBP | -58.0M GBP |
No quarter-by-quarter statement was filed.
What it owns
What Santander UK plc reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Real estate and locations
| Item | Latest | A year before | Change |
|---|---|---|---|
| Real estate investments, net | 16.0M GBP2 Dec 31, 2025 | 16.0M GBP2 Dec 31, 2024 | 0% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | 28.7B GBP2 Dec 31, 2025 | 29.2B GBP2 Dec 31, 2024 | −1.5% |
Intangibles and goodwill
Former names
- ABBEY NATIONAL PLCMar 19, 2002 to Dec 18, 20093
Filings
60 filings to the SEC since October 2021: 5 annual reports, 55 other. The latest 20:
- Aug 7, 20266-K EDGAR
- Jul 23, 20266-K EDGAR
- May 1, 20266-K EDGAR
- Apr 20, 2026ABS-15G ASSET-BACKED SECURITIZER REPORT EDGAR
- Mar 12, 2026IRANNOTICE EDGAR
- Mar 12, 202620-F EDGAR
- Feb 19, 2026ABS-15G ASSET-BACKED SECURITIES REPORT EDGAR
- Jan 30, 20266-K EDGAR
- Oct 3, 20256-K EDGAR
- Oct 3, 20256-K EDGAR
- Aug 29, 20256-K EDGAR
- Jun 24, 2025F-N EDGAR
- Jun 24, 2025F-3ASR EDGAR
- May 19, 20256-K EDGAR
- Apr 9, 2025ABS-15G ASSET-BACKED SECURITIES REPORT EDGAR
- Mar 7, 2025IRANNOTICE EDGAR
- Mar 7, 202520-F EDGAR
- Jan 29, 20256-K EDGAR
- Dec 13, 20246-K EDGAR
- Nov 13, 2024ABS-15G ASSET-BACKED SECURITIZER REPORT EDGAR
The 60 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
SEC filer profile
How Santander UK plc is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARSantander UK plc1
- CIK0001087711
- Filer statusNon-accelerated filer not an emerging growth company; not a shell company9
- Incorporated inEngland9
- Fiscal year endsDecember 311
- Industry code (SIC)6029 Commercial Banks, NEC1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address2 Triton Square, Regent'S Place, London, United Kingdom1
- Phone011 44 870 607 60001
- Shares outstanding31,051,768,866 shares; 200,000,000 A1038 Non Cumulative Preference Shares shares; 125,000,000 A858 Non Cumulative Preference Shares shares as of Dec 31, 20259
- AuditorPricewaterhouseCoopers LLP, London, United Kingdom PCAOB ID 876; no auditor attestation of internal control over financial reporting9
- On EDGAR sinceJan 2, 20021
- Filings763 in all: 6-K (530), ABS-15G (49), 424B5 (28), 20-F (24), 25-NSE (24), 8-A12B (15), FWP (14), IRANNOTICE (14)1
All 29 form types
CORRESP (12), UPLOAD (11), F-N (6), CERT (5), CERTNYS (5), F-3ASR (5), 25 (3), 20-F/A (2), 425 (2), 6-K/A (2), F-6EF (2), 15-12B (1), 25-NSE/A (1), 424B2 (1), 8-A12B/A (1), ABS-15G/A (1), CT ORDER (1), EFFECT (1), F-3 (1), F-N/A (1), POSASR (1)
- Latest filingsAnnual report (20-F) Mar 12, 2026
Sources
The numbers on this page point here. Each one links to the record it came from.
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