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.Q1-24 Highlights 14 Millionactive customers £172.7bnmortgage stock (Dec-23: £175.2bn) 57%cost-to-income ratio (Q1-23: 47%) 2.07%Banking NIM(Q1-23: 2.21%) 7 milliondigital customers 78%digital mortgage retention £391mprofit before tax(Q1-23: £547m) 15.2%CET1 capital ratio (Dec-23: 15.2%) 444branches Green Homes Reportpublished 'Buying into the Green Homes Revolution' Carbon Neutralin our own operations 1.57%stage 3 ratio (Dec-23: 1.49%)Download our Q1-24 factsheet (141 KB)Take a look at our latest results Our history Our strategic priorities Our business Executive directors Non-executive directors Corporate governance