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Segmental analysis - Operating profit or (loss) before tax (Details) - GBP (£) £ in Millions | 6 Months Ended
--- | ---
Jun. 30, 2022 | Jun. 30, 2021
Segmental analysis |  |
Net interest income | £ 4,334 | £ 3,744
Net fees and commissions | 1,124 | 1,019
Other non-interest income | 761 | 378
Total income | 6,219 | 5,141
Depreciation and amortisation | (413) | (414)
Other operating expenses | (3,240) | (3,085)
Operating expenses | (3,653) | (3,499)
Impairment (losses)/releases | 54 | 683
Operating profit before tax | 2,620 | 2,325
Retail Banking |  |
Segmental analysis |  |
Net interest income | 2,340 | 1,976
Net fees and commissions | 219 | 173
Other non-interest income | (5) | 1
Total income | 2,554 | 2,150
Other operating expenses | (1,242) | (1,187)
Impairment (losses)/releases | (26) | 57
Operating profit before tax | 1,286 | 1,020
Ulster Bank RoI |  |
Segmental analysis |  |
Net interest income | 6 | 15
Net fees and commissions | 14 | 30
Other non-interest income | 13 | 20
Total income | 33 | 65
Other operating expenses | (254) | (239)
Impairment (losses)/releases | 8 | (13)
Operating profit before tax | (213) | (187)
Private Banking |  |
Segmental analysis |  |
Net interest income | 315 | 232
Net fees and commissions | 131 | 124
Other non-interest income | 15 | 12
Total income | 461 | 368
Other operating expenses | (285) | (249)
Impairment (losses)/releases | 11 | 27
Operating profit before tax | 187 | 146
Commercial Banking |  |
Segmental analysis |  |
Net interest income | 1,764 | 1,487
Net fees and commissions | 753 | 702
Other non-interest income | 420 | 285
Total income | 2,937 | 2,474
Depreciation and amortisation | (82) | (85)
Other operating expenses | (1,738) | (1,739)
Impairment (losses)/releases | 59 | 613
Operating profit before tax | 1,176 | 1,263
Central Items and other |  |
Segmental analysis |  |
Net interest income | (91) | 34
Net fees and commissions | 7 | (10)
Other non-interest income | 318 | 60
Total income | 234 | 84
Depreciation and amortisation | (331) | (329)
Other operating expenses | 279 | 329
Impairment (losses)/releases | 2 | (1)
Operating profit before tax | 184 | 83
Total excluding Ulster Bank RoI |  |
Segmental analysis |  |
Net interest income | 4,328 | 3,729
Net fees and commissions | 1,110 | 989
Other non-interest income | 748 | 358
Total income | 6,186 | 5,076
Depreciation and amortisation | (413) | (414)
Other operating expenses | (2,986) | (2,846)
Impairment (losses)/releases | 46 | 696
Operating profit before tax | £ 2,833 | £ 2,512

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