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.2023 Highlights 14 Millionactive customers £175.2bnmortgage stock (2022: £187.1bn) 48%cost-to-income ratio (2022: 47%) 2.20%Banking NIM(2022: 2.06%) 7 milliondigital customers 77%digital mortgage retention £2,149mprofit before tax(2022: £1,894m) 15.2%CET1 capital ratio (2022: 15.2%) £794min savings to date from our transformation programme from £1bn investment Green Homes Reportpublished 'Buying into the Green Homes Revolution' Carbon Neutralin our own operations 1.49%stage 3 ratio (2022: 1.24%)Download our 2023 factsheet (141 KB)Take a look at our latest results Our history Our strategic priorities Our business Executive directors Non-executive directors Corporate governance