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Santander UK plc reports stronger 2025 results with disciplined growth and prepares for a major UK expansion. Profit before tax rose 10% to £1,482m, driven by higher income, lower underlying costs and provisions, partly offset by increased transformation spending. Net interest income edged up to £4,380m as the bank benefited from lower deposit costs and its structural hedge, while operating expenses before impairments fell 4% after more than 2,700 FTE were removed over 12 months.
The balance sheet returned to growth: customer loans increased to £202.6bn and deposits to £187.3bn, led by a £167.3bn mortgage book with a 52% average loan‑to‑value and improved asset quality, including a Stage 3 ratio of 1.18%. Capital and liquidity remain strong, with a CET1 ratio of 15.8% and an LCR of 162%, supported by organic capital generation and minimal 2025 dividends ahead of the proposed TSB acquisition.
Banco Santander agreed to acquire TSB Banking Group for approximately £2.65bn in cash, adding about £34bn of mortgages and £35bn of deposits, with completion by Santander UK plc expected in Q2 2026 subject to regulatory approvals. At the same time, Santander UK increased its motor finance redress provision by £183m to £461m as it responded to the FCA’s industry consultation, noting that the ultimate outcome and final cost remain highly uncertain. Strategically, the bank is pushing automation and AI across customer service, fraud prevention and development, deepening digital engagement (82% of transactions via digital channels) while still investing in branches and new Work Cafés.
Santander UK has appointed Mahesh Aditya as Chief Executive Officer of Santander UK Group Holdings plc and Santander UK plc, effective 1 March 2026. He joins from Banco Santander, where he has served as Group Chief Risk Officer since 2023 and previously held senior roles in the US, including CEO of Santander Consumer USA from 2019 to 2023. With more than 30 years of experience at major financial institutions such as Citi, JPMorgan Chase & Co and Capital One, he was appointed to the Santander UK boards on 1 October 2025.