Exhibit 7.1

Santander UK plc

Computation of Ratio of Earnings to Fixed Charges

(i) Excluding interest on retail deposits



|                                            |  |                        |       |  |        |  |       |        |  |  |        |  |  |        |       |  |  |  |       | 
|------------------------------------------- |  | ---------------------- | ----- |  | ------ |  | ----- | ------ |  |  | ------ |  |  | ------ | ----- |  |  |  | ----- | 
|                                            |  | Year ended December 31 |      
|                                            |  | 2013£m                 |       |  | 2012£m |  |       | 2011£m |  |  | 2010£m |  |  | 2009£m |      
|                                            |  |                        |       |  |       
|Profit on continuing operations before tax  |  |                        | 1,139 |  |        |  | 1,147 |        |  |  | 1,214  |  |  |        | 2,125 |  |  |  | 1,690 | 
|                                            |  |                        |       |  |       
|Fixed charges: interest expense (B)(1)      |  |                        | 1,549 |  |        |  | 1,774 |        |  |  | 1,067  |  |  |        | 809   |  |  |  | 1,650 | 
|                                            |  |                        |       |  |        |  |       |        |  |  |        |  |  |        |       |  |  |  |       | 
|Earnings before taxes and fixed charges (A) |  |                        | 2,688 |  |        |  | 2,921 |        |  |  | 2,281  |  |  |        | 2,934 |  |  |  | 3,340 | 
|                                            |  |                        |       |  |        |  |       |        |  |  |        |  |  |        |       |  |  |  |       | 
|                                            |  |                        |       |  |       
|Ratio of earnings to fixed charges (A/B)    |  |                        | 174   |  |        |  | 165   |        |  |  | 214    |  |  |        | 363   |  |  |  | 202   | 

(ii) Including interest on retail deposits



|                                            |  |                        |       |  |        |  |       |        |  |  |        |  |  |        |       |  |  |  |       | 
|------------------------------------------- |  | ---------------------- | ----- |  | ------ |  | ----- | ------ |  |  | ------ |  |  | ------ | ----- |  |  |  | ----- | 
|                                            |  | Year ended December 31 |      
|                                            |  | 2013£m                 |       |  | 2012£m |  |       | 2011£m |  |  | 2010£m |  |  | 2009£m |      
|                                            |  |                        |       |  |       
|                                            |  |                        |       |  |       
|Profit on continuing operations before tax  |  |                        | 1,139 |  |        |  | 1,147 |        |  |  | 1,214  |  |  |        | 2,125 |  |  |  | 1,690 | 
|                                            |  |                        |       |  |       
|Fixed charges: interest expense (B)(1)      |  |                        | 4,207 |  |        |  | 4,698 |        |  |  | 3,778  |  |  |        | 3,233 |  |  |  | 3,906 | 
|                                            |  |                        |       |  |        |  |       |        |  |  |        |  |  |        |       |  |  |  |       | 
|Earnings before taxes and fixed charges (A) |  |                        | 5,346 |  |        |  | 5,845 |        |  |  | 4,992  |  |  |        | 5,358 |  |  |  | 5,596 | 
|                                            |  |                        |       |  |        |  |       |        |  |  |        |  |  |        |       |  |  |  |       | 
|                                            |  |                        |       |  |       
|Ratio of earnings to fixed charges (A/B)    |  |                        | 127   |  |        |  | 124   |        |  |  | 132    |  |  |        | 166   |  |  |  | 143   | 

Note:



|(1) | Includes the amortisation of discounts and premiums on debt securities in issue.
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