PWLBtoday
Counterparty/TSB Bank plc
Built 2026-09-14 17:10 UTCBeta
TS

TSB Bank plc

Bank · UKAA · LEI 549300XP222MV7P3CC54
Counterparty scoreBand A
83
75th percentile of 12 peers
coverage67% of the method
Rating81w 40
Capital86w 25
Liquidity79w 15
Stability—w 10
Assets—w 5
Profit—w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
Agency ratingscompositeA+Stable (bonds)
Moody's
A1
ST P-1
2026-05-14
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
16.7%
+1.3 vs prior2025-12-31
Leverage ratio
5.5%
+0.5 vs prior2025-12-31
Total capital
21.5%
+1.2 vs prior2025-12-31
LCR
188%
+2.0 vs prior2026-03-31
NSFRgroup figure
124%
+1.8 vs prior2026-06-30
Risk-weighted assets
11.8bn
+1.4% vs prior2026-03-31
9 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

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
2upgrades
4.0notches stronger
20162017201820192020202120222023202420252026A+A-BBBcomposite BBB from 2015-07-22composite BBB+ from 2021-07-13composite A+ from 2026-05-14A+COMPOSITEMoody'sMoody's Baa2 from 2015-07-22 to 2021-07-13Baa2Moody's Baa1 from 2021-07-13 to 2026-05-14Baa1Moody's A1 from 2026-05-14, stillMoody's: positive outlook from 2015-07-22Moody's: stable outlook from 2016-04-25Moody's: negative outlook from 2016-06-28Moody's: stable outlook from 2017-08-02Moody's: negative outlook from 2018-08-01Moody's: stable outlook from 2021-07-13Moody's: positive outlook from 2023-02-21Moody's: stable outlook from 2024-03-21Moody's: watch positive outlook from 2025-07-04A1
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-05-14↑Moody's upgrade Baa1 → A1 · 3 notches
  • 2021-07-13↑Moody's upgrade Baa2 → Baa1 · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Moody'scounterparty · long-termAa3—2026-05-14
Moody'sdeposit · long-termA1—2026-05-14
Moody'sissuer credit · long-termA1—2026-05-14
Moody'scounterparty · short-termP-1—2026-05-14
Moody'sdeposit · short-termP-1—2026-05-14
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−13 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.
2026-05-29
Pillar 3 report for the period to 2026-03-31 published: Q1-2026-Pillar-3-Quarterly-Disclosure.pdf
firm website
info
2026-05-14
Moody's upgrade: Deposit Rating P-1
ESMA European Rating Platform
good
2026-05-14
Moody's upgrade: Deposit Rating A1
ESMA European Rating Platform
good
2026-05-14
Moody's upgrade: Issuer Rating A1
ESMA European Rating Platform
good
2026-05-14
Moody's upgrade: Counterparty Risk Rating Aa3
ESMA European Rating Platform
good
2026-05-14
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2026-05-14
Moody's placed under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2026-05-14
Moody's placed under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2026-05-14
Moody's removed under positive watch: Deposit Rating
ESMA European Rating Platform
good
2026-05-14
Moody's removed under positive watch: Issuer Rating
ESMA European Rating Platform
good
2026-05-14
Moody's removed under positive watch: Counterparty Risk Rating
ESMA European Rating Platform
good
2026-02-05
Pillar 3 report for the period to 2025-12-31 published: TSB-Banking-Group-ARA-2025.pdf
firm website
info
2025-11-25
Pillar 3 report for the period to 2025-09-30 published: Q3-2025-Pillar-3-Quarterly-Disclosure.pdf
firm website
info
2025-05-28
Pillar 3 report for the period to 2025-03-31 published: q1-2025-pillar-3-quarterly-disclosure-final.pdf
firm website
info
2025-02-06
Pillar 3 report for the period to 2024-12-31 published: TSB-Banking-Group-ARA-2024.pdf
firm website
info
2024-01-31
Pillar 3 report for the period to 2023-12-31 published: ARA-2023.pdf
firm website
info
2023-02-01
Pillar 3 report for the period to 2022-12-31 published: tsb-bank-ara-2022.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · pdf_manual
7 documents · 6 metrics · 2022-12-31 to 2026-03-31
Latest source
EBA Pillar 3 Data Hub (group) · tagged XBRL filing
1 document · 1 metrics · 2025-06-30 to 2026-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio16.702025-12-31Firm's Pillar 3 disclosures · pdf_manual0.98
Liquidity coverage ratio188.002026-03-31Firm's Pillar 3 disclosures · pdf_manual0.98
Leverage ratio5.502025-12-31Firm's Pillar 3 disclosures · pdf_manual0.98
Risk-weighted assets (currency millions)11,809.082026-03-31Firm's Pillar 3 disclosures · pdf_manual0.98
Tier 1 capital ratio18.902025-12-31Firm's Pillar 3 disclosures · pdf_manual0.98
Total capital ratio21.502025-12-31Firm's Pillar 3 disclosures · pdf_manual0.98
Net stable funding ratio123.772026-06-30EBA Pillar 3 Data Hub (group) · tagged XBRL filing1.00 group figure