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Intangible assets (Tables) | 12 Months Ended
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Dec. 31, 2021
Intangible assets |
Schedule of Intangible assets | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2021 | ​ | 2020
​ |  | Goodwill |  | Other (1) |  | Total |  | Goodwill |  | Other (1) |  | Total
Cost | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
At 1 January |  | 9,939 | ​ | 2,592 | ​ | 12,531 |  | 9,980 |  | 2,293 |  | 12,273
Currency translation and other adjustments |  | — |  | 29 |  | 29 |  | — |  | (1) |  | (1)
Additions |  | — |  | 479 |  | 479 |  | — |  | 348 |  | 348
Disposals and write-off of fully amortised assets |  | — |  | (50) |  | (50) |  | (41) |  | (48) |  | (89)
At 31 December |  | 9,939 | ​ | 3,050 | ​ | 12,989 |  | 9,939 |  | 2,592 |  | 12,531
​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ |  | ​ |  | ​
Accumulated amortisation and impairment |  | ​ | ​ | ​ | ​ | ​ |  | ​ |  | ​ |  | ​
At 1 January |  | 4,332 | ​ | 1,544 | ​ | 5,876 |  | 4,373 |  | 1,278 |  | 5,651
Currency translation and other adjustments |  | — |  | 31 |  | 31 |  | — |  | 1 |  | 1
Disposals and write-off of fully amortised assets |  | — |  | (28) |  | (28) |  | (41) |  | (26) |  | (67)
Impairment of intangible assets |  | 85 |  | 2 |  | 87 |  | — |  | 9 |  | 9
Amortisation charge for the year | ​ | — | ​ | 300 | ​ | 300 | ​ | — | ​ | 282 | ​ | 282
At 31 December |  | 4,417 |  | 1,849 |  | 6,266 |  | 4,332 |  | 1,544 |  | 5,876
​ |  | ​ | ​ | ​ | ​ | ​ |  | ​ |  | ​ |  | ​
Net book value at 31 December |  | 5,522 |  | 1,201 |  | 6,723 |  | 5,607 |  | 1,048 |  | 6,655
​
(1) | Principally internally generated software.
Schedule of key assumptions applied in calculating the recoverable amount and sensitivities to changes in those assumptions for Commercial Banking | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | Consequential impact of 1% | ​ | Consequential impact of 5%
​ | ​ | ​ | ​ | Assumptions | ​ | Recoverable | ​ | adverse movement | ​ | adverse movement
​ | ​ | ​ | ​ | Terminal | ​ | Pre-tax | ​ | Cost: | ​ | amount exceeded | ​ | Discount | ​ | Terminal | ​ | Forecast | ​ | Forecast
​ | ​ | Goodwill | ​ | growth rate | ​ | discount rate | ​ | income ratio (1) | ​ | carrying value | ​ | rate | ​ | growth rate | ​ | Income | ​ | cost
31 December 2021 |  | £bn |  | % |  | % | ​ | % |  | £bn |  | £bn |  | £bn |  | £bn |  | £bn
Retail Banking |  | 2.6 |  | 1.6 |  | 13.9 | ​ | 51.6 |  | 6.8 |  | (1.8) | ​ | (0.8) |  | (2.1) | ​ | (1.0)
Commercial Banking |  | 2.6 |  | 1.6 |  | 13.9 | ​ | 52.3 |  | 6.3 |  | (1.9) |  | (0.8) |  | (2.0) | ​ | (1.0)
RBS International |  | 0.3 |  | 1.6 |  | 12.1 | ​ | 37.0 |  | 2.6 |  | (0.6) |  | (0.3) |  | (0.4) | ​ | (0.1)
​ |  | ​ |  | ​ |  | ​ | ​ | ​ |  | ​ |  | ​ |  | ​ |  | ​ | ​ | ​
31 December 2020 |  | ​ |  | ​ |  | ​ | ​ | ​ |  | ​ |  | ​ |  | ​ |  | ​ | ​ | ​
Retail Banking |  | 2.7 |  | 1.6 |  | 13.7 | ​ | 48.3 |  | 5.9 |  | (1.8) | ​ | (0.8) |  | (2.0) | ​ | (0.9)
Commercial Banking |  | 2.6 |  | 1.6 |  | 13.7 | ​ | 53.7 |  | 1.5 |  | (1.5) |  | (0.5) |  | (1.8) | ​ | (0.9)
RBS International |  | 0.3 |  | 1.6 |  | 12.1 | ​ | 42.7 |  | 1.1 |  | (0.4) |  | (0.2) |  | (0.3) | ​ | (0.1)
​
(1) | Average Cost:income ratio % over the 5-year forecast period
​
Schedule of impact on Commercial Banking VIU of reasonably possible changes to key assumptions | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2021 | ​ | 2020
​ | ​ | Terminal | ​ | Pre-tax | ​ | Forecast | ​ | Forecast | ​ | Terminal | ​ | Pre-tax | ​ | Forecast | ​ | Forecast
​ | ​ | growth rate | ​ | discount rate | ​ | income | ​ | cost | ​ | growth rate | ​ | discount rate | ​ | income | ​ | cost
Change in key assumptions to reduce headroom to nil (%) |  | % |  | % |  | % |  | % |  | % |  | % |  | % |  | %
Retail Banking |  | (139.2) |  | 8.1 | ​ | (16.1) |  | 32.7 |  | (25.4) |  | 6.2 | ​ | (14.6) |  | 33.9
Commercial Banking |  | (47.0) |  | 6.6 | ​ | (15.7) |  | 32.8 |  | (4.0) |  | 1.3 | ​ | (4.1) |  | 8.2
RBS International |  | (85.2) |  | 10.3 | ​ | (30.3) |  | 87.2 |  | (10.8) |  | 4.4 | ​ | (18.6) |  | 52.8

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