PWLBtoday
Counterparty/Santander UK plc
Built 2026-09-14 17:10 UTCBeta
SA

Santander UK plc

Bank · UKAA · LEI PTCQB104N23FMNK2RZ28
Counterparty scoreBand B
71
47th percentile of 15 peers
coverage92% of the method
Rating81w 40
Capital79w 25
Liquidity84w 15
Stability0w 10
Assets—w 5
Profit53w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
Agency ratingscompositeA+Stable (bonds)
Fitch
AA-▶
ST F1+
2026-05-12
S&P
A▶
ST A-1
2026-05-28
Moody's
A1▶
ST P-1
2026-05-14
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
14.2%
−1.5 vs prior2026-06-30
Leverage ratio
4.9%
−0.2 vs prior2026-06-30
Total capital
19.9%
−2.4 vs prior2026-06-30
LCR
166%
+4.0 vs prior2026-06-30
NSFR
137%
0.0 vs prior2026-06-30
Risk-weighted assets
81.1bn
+17.8% vs prior2026-06-30
14 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
4upgrades
1downgrade
1.0notch stronger
20162017201820192020202120222023202420252026A+Acomposite A from 2015-07-01composite A+ from 2019-01-03A+COMPOSITEFitchFitch A from 2015-07-01 to 2019-01-03AFitch A+ from 2019-01-03 to 2026-05-12A+Fitch AA- from 2026-05-12, stillFitch: positive outlook from 2015-07-15Fitch: stable outlook from 2017-02-07Fitch: watch positive outlook from 2017-10-09Fitch: stable outlook from 2019-01-03Fitch: watch negative outlook from 2019-03-01Fitch: stable outlook from 2019-12-20Fitch: negative outlook from 2020-04-01Fitch: stable outlook from 2021-07-05AA-S&PS&P A from 2015-07-01, stillAS&P: negative outlook from 2015-07-02S&P: stable outlook from 2016-01-19S&P: negative outlook from 2016-07-07S&P: stable outlook from 2017-11-15S&P: negative outlook from 2020-04-23S&P: stable outlook from 2021-06-24AMoody'sMoody's A2 from 2015-07-01 to 2015-09-16Moody's A1 from 2015-09-16 to 2016-12-21A1Moody's Aa3 from 2016-12-21 to 2020-10-20Aa3Moody's A1 from 2020-10-20, stillA1Moody's: watch positive outlook from 2015-07-01Moody's: positive outlook from 2016-04-13Moody's: stable outlook from 2016-06-28Moody's: negative outlook from 2016-12-21Moody's: stable outlook from 2017-08-02Moody's: positive outlook from 2019-01-08Moody's: negative outlook from 2019-11-12Moody's: stable outlook from 2020-10-20Moody's: negative outlook from 2022-10-25Moody's: stable outlook from 2023-10-24A1
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-05-12↑Fitch upgrade A+ → AA- · 1 notch
  • 2020-10-20↓Moody's downgrade Aa3 → A1 · 1 notch
  • 2019-01-03↑Fitch upgrade A → A+ · 1 notch
  • 2016-12-21↑Moody's upgrade A1 → Aa3 · 1 notch
  • 2015-09-16↑Moody's upgrade A2 → A1 · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termAA-stable2026-05-12
Fitchissuer default · short-termF1+—2026-05-12
Moody'scounterparty · long-termAa3—2026-05-14
Moody'sdeposit · long-termA1stable2026-05-14
Moody'sissuer credit · long-termA1stable2026-05-14
Moody'scounterparty · short-termP-1—2026-05-14
Moody'sdeposit · short-termP-1—2026-05-14
S&Pissuer credit · long-termAstable2026-05-28
S&Presolution counterparty · long-termA+—2026-05-28
S&Pissuer credit · short-termA-1—2026-05-28
S&Presolution counterparty · short-termA-1—2026-05-28
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months · Banco SantanderEUR
7.138.8310.5312.2313.9325-09: 8.2925-09: 8.4925-09: 8.5325-09: 8.7425-09: 8.8725-10: 8.6925-10: 8.5225-10: 8.5825-10: 8.3925-10: 8.6125-11: 8.8525-11: 8.8525-11: 9.5525-11: 8.9225-11: 9.0425-12: 9.3025-12: 9.4625-12: 9.7825-12: 9.8725-12: 10.0025-12: 10.0726-01: 10.1326-01: 10.4826-01: 10.4926-01: 10.4826-01: 10.6326-02: 10.7026-02: 10.7726-02: 10.2926-02: 10.7626-02: 11.1026-03: 9.9826-03: 10.0126-03: 9.5126-03: 9.2426-03: 9.4726-04: 9.9926-04: 10.3526-04: 10.6526-04: 10.6326-04: 10.2826-05: 9.9826-05: 10.4726-05: 10.2526-05: 10.6226-05: 10.6826-06: 10.6626-06: 10.6726-06: 10.4726-06: 11.9026-06: 11.9326-06: 11.9226-07: 12.4226-07: 12.0526-07: 11.9726-07: 11.9126-07: 12.2626-07: 12.3226-08: 12.8626-08: 12.9126-08: 12.4526-08: 12.7026-08: 12.7126-09: 12.9026-09: 12.7012.7025-0925-1125-1226-0226-0426-0626-09
Banco Santander is the listed company; this entity has no equity of its own, and the group price does not enter its score.
30-day realised volatility · Banco Santander17.7%
Drawdown from 52-week high · Banco Santander-1.8%
Market signal Stable (bonds)
Last price · Banco Santander2026-09-14
Bond yields vs peers, 31-day+1 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-09-10
Santander to transfer first 1,000 TSB staff as job cuts begin - TheBanker.com
TheBanker.com
warn
2026-09-08
Santander UK taps covered bond market for $1.5B - Dealroom
Dealroom
info
2026-09-08
TSB CIO leaves bank as Santander merger progresses - Computer Weekly
Computer Weekly
info
2026-09-08
TSB shakes up executive team ahead of Santander integration - Finextra Research
Finextra Research
info
2026-08-13
Pillar 3 report for the period to 2026-06-30 published: Santander UK 2026 Half Yearly ACRMD.pdf
firm website
info
2026-08-03
Unions open talks on redundancy criteria at Santander and TSB - bmmagazine.co.uk
bmmagazine.co.uk
warn
2026-07-27
Santander Appoints Four New Executives Amid TSB Integration - FinTech Magazine
FinTech Magazine
info
2026-05-28
S&P affirmation: Issuer Credit Rating A
ESMA European Rating Platform
info
2026-05-28
S&P affirmation: Issuer Credit Rating A-1
ESMA European Rating Platform
info
2026-05-28
S&P affirmation: Resolution Counterparty Rating A+
ESMA European Rating Platform
info
2026-05-28
S&P affirmation: Resolution Counterparty Rating A-1
ESMA European Rating Platform
info
2026-05-28
S&P maintained under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2026-05-14
Moody's affirmation: Deposit Rating A1
ESMA European Rating Platform
info
2026-05-14
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2026-05-14
Moody's affirmation: Counterparty Risk Rating Aa3
ESMA European Rating Platform
info
2026-05-14
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2026-05-14
Moody's affirmation: Issuer Rating A1
ESMA European Rating Platform
info
2026-05-14
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2026-05-14
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Derivative Counterparty Rating AA-(dcr)
ESMA European Rating Platform
good
2026-05-12
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Long Term Issuer Default Rating AA-
ESMA European Rating Platform
good
2026-05-12
Fitch upgrade: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
good
2026-04-29
Pillar 3 report for the period to 2026-03-31 published: Q1-26SantanderUKACRMD_1.pdf
firm website
info
2026-03-05
Pillar 3 report for the period to 2025-12-31 published: 2025SantanderUKACRMD.pdf
firm website
info
2025-11-13
Fitch affirmation: Derivative Counterparty Rating A+(dcr)
ESMA European Rating Platform
info
2025-11-13
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Long Term Issuer Default Rating A+
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2025-10-28
Pillar 3 report for the period to 2025-09-30 published: Additional Capital Risk Management Disclosures Sep-25_0.pdf
firm website
info
2025-09-10
S&P affirmation: Issuer Credit Rating A
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Issuer Credit Rating A-1
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Resolution Counterparty Rating A+
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Resolution Counterparty Rating A-1
ESMA European Rating Platform
info
2025-09-10
S&P maintained under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2025-08-29
Pillar 3 report for the period to 2025-06-30 published: Santander UK 2025 Half Yearly ACRMD.pdf
firm website
info
2025-04-28
Pillar 3 report for the period to 2025-03-31 published: Santander UK ACRMD Q1-25.pdf
firm website
info
2025-03-06
Pillar 3 report for the period to 2024-12-31 published: ACRMD FINAL_Dec 24.pdf
firm website
info
2024-11-18
Pillar 3 report for the period to 2024-09-30 published: ACRMD Q3-24_1.pdf
firm website
info
2024-08-08
Pillar 3 report for the period to 2024-06-30 published: 2024 Half Yearly Additional Capital and Risk Management Disclosures_1.pdf
firm website
info
2024-04-29
Pillar 3 report for the period to 2024-03-31 published: santander_uk_acrmd_q1-24.pdf
firm website
info
2024-02-29
Pillar 3 report for the period to 2023-12-31 published: santander_uk_acrmd_2023.pdf
firm website
info
2024-02-14
Pillar 3 report for the period to 2023-09-30 published: acrmd_q3-23_0.pdf
firm website
info
2023-08-10
Pillar 3 report for the period to 2023-06-30 published: santander_uk_acrmd_june_2023.pdf
firm website
info
2023-04-29
Pillar 3 report for the period to 2023-03-31 published: santander_uk_acrmd_q1_23.pdf
firm website
info
2023-02-27
Pillar 3 report for the period to 2022-12-31 published: santander_uk_additional_capital_and_risk_management_disclosures_2022.pdf
firm website
info
2022-10-25
Pillar 3 report for the period to 2022-09-30 published: additional_capital_and_risk_management_disclosure_q3-22.pdf
firm website
info
2022-08-11
Pillar 3 report for the period to 2022-06-30 published: santander_uk_june_2022_acrmd.pdf
firm website
info
2022-05-27
Pillar 3 report for the period to 2022-03-31 published: additional_capital_and_risk_management_disclosures_q1_22_0.pdf
firm website
info
2021-12-31
Pillar 3 report for the period to 2021-12-31: 2021_additional_capital_risk_management_disclosures.pdf
firm website
info
2021-09-30
Pillar 3 report for the period to 2021-09-30: santander_uk_acrmd_q321.pdf
firm website
info
2021-06-30
Pillar 3 report for the period to 2021-06-30: santander_uk_acrmd_hy21.pdf
firm website
info
2021-03-31
Pillar 3 report for the period to 2021-03-31: santander_uk_acrmd_31_march_2021.pdf
firm website
info
2020-12-31
Pillar 3 report for the period to 2020-12-31: santander_uk_acrmd_2020_0.pdf
firm website
info
2020-09-30
Pillar 3 report for the period to 2020-09-30: final_acrmd_september_2020.pdf
firm website
info
2020-06-30
Pillar 3 report for the period to 2020-06-30: additional_capital_risk_management_disclosures_jun-20.pdf
firm website
info
2020-03-31
Pillar 3 report for the period to 2020-03-31: acrmd_q120.pdf
firm website
info
2019-12-31
Pillar 3 report for the period to 2019-12-31: 2019_acrmd.pdf
firm website
info
2019-09-30
Pillar 3 report for the period to 2019-09-30: additional_capital_and_risk_management_disclosure_sep_19_final.pdf
firm website
info
2019-08-09
Pillar 3 report for the period to 2019-06-30 published: additional_capital_and_risk_management_disclosures_pdf.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · read from the PDF, prior-period column
39 documents · 8 metrics · 2014-12-31 to 2026-06-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
4 documents · 5 metrics · 2019-12-31 to 2025-12-31
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio14.202026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Total deposits (currency millions)187,300.002025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Liquidity coverage ratio166.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Leverage ratio4.902026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Net interest margin1.662025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Net stable funding ratio137.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Overall capital requirement16.712026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Return on assets0.412025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity7.512025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)81,073.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Tier 1 capital ratio17.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Total assets (currency millions)266,837.002025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Total capital ratio19.902026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98