Critical Evaluation of the Financial Performance of Santander UK PLC

Table of Contents

• Introduction
• Study Objective
• Literature Review
• Methodology
• Analysis and Research
  • Profitability
    • Profit Margin
    • Return on Capital Employed
    • Return on Asset
  • Liquidity
    • Current Ratio
    • Solvency Ratio
  • Current Strategic Position
    • Strengths
    • Weakness
  • Corporate Social Responsibility
    • Economic Responsibilities
    • Legal Responsibility
    • Ethical Responsibility
    • Support for Startups to Corporate Business
    • Inclusion and Diversity
    • Environmental Management
    • Carbon Management
    • Philanthropic Responsibility
    • Central Fund: Learn & Grow and Money Skills
    • Helping UK Social Enterprises
• Conclusion

Objectives and Key Themes

This report aims to analyze the financial performance of Santander UK plc and investigate the reasons behind its consistent performance over the past few years, while other banks and financial institutions struggle to maintain their profit margins. The primary objective is to:

• Critically analyze the financial performance of Santander bank from 2012 to 2014 and compare it with HSBC bank.
• Analyze the strategic position that contributes to Santander's robust financial performance.
• Critically analyze Santander's CSR policy and its impact on their performance.
• Examine the key financial ratios and their significance in evaluating Santander's performance.
• Explore the challenges and opportunities facing Santander UK in the current economic climate.

Chapter Summaries

The report begins with an introduction to Santander UK plc, outlining its history, ownership, and business operations. It also highlights Santander's resilience in the wake of the global recession in 2008, contrasting its growth with the decline of other banks.

The "Study Objective" chapter outlines the main goals of the report, including a comparative analysis of Santander's financial performance against HSBC. The "Literature Review" chapter explores the relevant theories and models used for financial analysis and identifies the limitations of such methods. The "Methodology" section details the specific approach adopted for this research, highlighting the chosen financial ratios and their application.

The "Analysis and Research" chapter delves into the core financial performance indicators, including profitability, liquidity, and solvency ratios, providing a comprehensive assessment of Santander's financial health. It also explores Santander's strategic position, identifying both its strengths and weaknesses.

The final section focuses on Santander's Corporate Social Responsibility (CSR) policies, examining their impact on the bank's overall performance. It explores the various facets of CSR, including economic, legal, ethical, and philanthropic responsibilities. The analysis specifically examines Santander's efforts to support startups, foster inclusion and diversity, and promote environmental sustainability.

Keywords

The main keywords and focus topics of this report include: financial performance, Santander UK plc, HSBC bank, comparative analysis, financial ratios, strategic position, profitability, liquidity, solvency, corporate social responsibility (CSR), economic responsibility, legal responsibility, ethical responsibility, inclusion and diversity, environmental management, philanthropic responsibility, and business analysis.