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Segmental analysis - Operating profit/(loss) before tax (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
Segmental analysis |  |  |  |  |
Net interest income | £ 7,614 | £ 7,476 | [1] | £ 7,799 | [1]
Net fees and commissions | 2,124 | 2,000 |  | 2,497 |
Other non-interest income | 774 | 1,032 |  | 3,691 |
Total income | 10,512 | 10,508 | [1] | 13,987 | [1]
Operating expenses |  |  |  | (8,062) |
Depreciation and amortisation | (923) | (913) |  | (1,218) |
Other operating expenses | (6,835) | (6,945) |  |  |
Impairment releases | 1,278 | (3,131) | [1] | (724) | [1]
Operating profit before tax | 4,032 | (481) | [1] | 3,983 | [1]
Retail Banking |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 4,074 | 3,868 |  | 4,130 |
Net fees and commissions | 377 | 379 |  | 696 |
Other non-interest income | (6) | (66) |  | 40 |
Total income | 4,445 | 4,181 |  | 4,866 |
Operating expenses |  |  |  | (3,618) |
Depreciation and amortisation | (85) |  |  |  |
Other operating expenses | (2,428) | (2,540) |  |  |
Impairment releases | 36 | (792) |  | (393) |
Operating profit before tax | 1,968 | 849 |  | 855 |
Ulster Bank RoI |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 100 | 122 |  | 152 |
Net fees and commissions | 65 | 77 |  | 95 |
Other non-interest income | 63 | 23 |  | 54 |
Total income | 228 | 222 |  | 301 |
Operating expenses |  |  |  | (510) |
Other operating expenses | (482) | (441) |  |  |
Impairment releases | 28 | (139) |  | 6 |
Operating profit before tax | (226) | (358) |  | (203) |
Private Banking |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 480 | 489 |  | 521 |
Net fees and commissions | 258 | 257 |  | 226 |
Other non-interest income | 78 | 17 |  | 30 |
Total income | 816 | 763 |  | 777 |
Operating expenses |  |  |  | (482) |
Depreciation and amortisation |  | (8) |  | (4) |
Other operating expenses | (520) | (447) |  |  |
Impairment releases | 54 | (100) |  | 6 |
Operating profit before tax | 350 | 208 |  | 297 |
Commercial Banking |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 2,582 | 2,740 |  | 2,842 |
Net fees and commissions | 1,158 | 1,110 |  | 1,312 |
Other non-interest income | 135 | 108 |  | 164 |
Total income | 3,875 | 3,958 |  | 4,318 |
Operating expenses |  |  |  | (2,458) |
Depreciation and amortisation | (146) | (149) |  | (142) |
Other operating expenses | (2,208) | (2,281) |  |  |
Impairment releases | 1,073 | (1,927) |  | (391) |
Operating profit before tax | 2,594 | (399) |  | 1,327 |
RBS International |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 383 | 371 |  | 478 |
Net fees and commissions | 124 | 94 |  | 106 |
Other non-interest income | 41 | 32 |  | 26 |
Total income | 548 | 497 |  | 610 |
Operating expenses |  |  |  | (254) |
Depreciation and amortisation | (13) | (17) |  | (10) |
Other operating expenses | (229) | (274) |  |  |
Impairment releases | 52 | (107) |  | (2) |
Operating profit before tax | 358 | 99 |  | 344 |
NatWest Markets |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 9 | (57) |  | (188) |
Net fees and commissions | 158 | 99 |  | 85 |
Other non-interest income | 248 | 1,081 |  | 1,445 |
Total income | 415 | 1,123 |  | 1,342 |
Operating expenses |  |  |  | (1,406) |
Depreciation and amortisation | (14) | (16) |  | (12) |
Other operating expenses | (1,147) | (1,294) |  |  |
Impairment releases | 35 | (40) |  | 51 |
Operating profit before tax | (711) | (227) |  | (25) |
Central Items and other |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | (14) | (57) |  | (136) |
Net fees and commissions | (16) | (16) |  | (23) |
Other non-interest income | 215 | (163) |  | 1,932 |
Total income | 185 | (236) |  | 1,773 |
Operating expenses |  |  |  | 666 |
Depreciation and amortisation | (665) | (723) |  | (1,050) |
Other operating expenses | 179 | 332 |  |  |
Impairment releases |  | (26) |  | (1) |
Operating profit before tax | (301) | (653) |  | 1,388 |
Total excluding Ulster Bank RoI |  |  |  |  |
Segmental analysis |  |  |  |  |
Net interest income | 7,514 | 7,354 |  | 7,647 |
Net fees and commissions | 2,059 | 1,923 |  | 2,402 |
Other non-interest income | 711 | 1,009 |  | 3,637 |
Total income | 10,284 | 10,286 |  | 13,686 |
Operating expenses |  |  |  | (7,552) |
Depreciation and amortisation | (923) | (913) |  | (1,218) |
Other operating expenses | (6,353) | (6,504) |  |  |
Impairment releases | 1,250 | (2,992) |  | (730) |
Operating profit before tax | £ 4,258 | £ (123) |  | £ 4,186 |
[1] | Comparative results have been re-presented from those previously published to reclassify certain items as discontinued operations as described in Note 8 to the consolidated financial statements.

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