Santander UK PLC operates as a retail and commercial bank in the United Kingdom, providing a range of financial services including personal banking, business banking, and corporate banking. It generates revenue primarily through interest income from loans and mortgages, as well as fees from various banking services. The bank serves individual consumers, small and medium-sized enterprises, and large corporations, and is part of the Banco Santander group, which allows it to leverage a broader international network. Santander UK is regulated by the UK Prudential Regulation Authority and the Financial Conduct Authority.