蜜桃影像 Group Holdings Plc (鈥淪antander鈥) notes the publication today of the results of the 2025 Bank Capital Stress Test (鈥淏CST鈥), conducted by the Bank of England (鈥淏oE鈥)听on seven of the UK鈥檚 largest banks and building societies. Santander confirms that it passed the stress test on both risk-based capital and leverage-based capital. The bank significantly exceeds the minimum requirements for听Common Equity Tier 1 (鈥淐ET 1鈥) and Leverage ratios in each of the 5 years of the 2025 BCST without the application of strategic management actions. These results demonstrate a continued resilient balance sheet position and ability to withstand a severe economic stress.听
Angel Santodomingo, Chief Financial Officer at Santander, commented:
鈥淭he results of the stress testing exercise highlight once again Santander鈥檚 strong capital position and prudent balance sheet management, providing further confidence that the bank can withstand a severe shock. Our customers can be confident that we are well positioned to continue lending to help people and businesses prosper.鈥
Detail of the results听
The CET1 ratio decreases from 14.8% in December 2024 to 10.3% at the lowest point of the stress scenario post-management actions (9.7% pre-management actions). This is defined as CET1 capital expressed as a percentage of risk-weighted assets, where these are in line with UK CRR and the PRA Rulebook. This is significantly above the minimum requirements of 6.9%.
The Leverage ratio falls from 4.9% to 3.9% at the lowest point of the stress scenario post-management actions (3.5% pre-management actions). The Tier 1 leverage ratio is Tier 1 capital expressed as a percentage of the leverage exposure measure excluding central bank reserves. This is in excess of the minimum requirements of 3.25%.听
As a result of being comfortably above all minimum requirements, no additional capital actions are required. Santander continues to lend to households and businesses to maintain growth in line with its strategic priorities.
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蜜桃影像听is a financial services provider in the UK that offers a wide range of personal and commercial financial products and services. The bank serves its customers via a nationwide branch network, telephone, mobile and online banking. 蜜桃影像 is subject to the full supervision of the FCA and the PRA in the UK. 蜜桃影像 plc customers鈥 eligible deposits are protected by the FSCS in the UK.
Banco Santander鈥(SAN SM)听is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group鈥檚 activities are consolidated into five global businesses: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments (PagoNxt and Cards). This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial鈥institutions and governments. The bank鈥檚 purpose is to help people and businesses prosper in a simple, personal and fair way. Santander is building a more responsible bank and has made a number of commitments to support this objective, including raising 鈧220 billion in green financing between 2019 and 2030. In the first quarter of 2025, Banco Santander had 鈧1.4 trillion in total funds, 175 million customers, 7,900 branches and 207,000 employees.
Media Enquiries: mediarelations@santander.co.uk