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Segmental analysis - Geographical segments (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Geographical segments |  |  |  |  |
Total revenue | £ 16,574 | £ 12,702 |  | £ 13,447 |
Interest receivable | 12,637 | 9,234 | [1] | 9,711 | [1]
Interest payable | (2,795) | (1,699) | [1] | (2,322) | [1]
Net fees and commissions | 2,292 | 2,120 |  | 1,982 |
Trading income | 1,133 | 323 | [1] | 1,125 | [1]
Other operating income | (111) | 451 |  | (93) |
Total income | 13,156 | 10,429 | [1] | 10,403 | [1]
Operating (loss)/profit before tax | 5,132 | 3,844 | [1] | (553) | [1]
Total assets | 720,053 | 781,992 |  | 799,491 |
Total liabilities | 683,557 | 740,189 |  | 755,667 |
Total liabilities of which total liabilities held for sale | 15 | 5 |  |  |
Contingent liabilities and commitments | 126,581 | 125,367 |  | 128,732 |
UK |  |  |  |  |
Geographical segments |  |  |  |  |
Total revenue | 15,795 | 12,100 |  | 12,511 |
Interest receivable | 12,242 | 8,949 |  | 9,479 |
Interest payable | (2,567) | (1,483) |  | (2,163) |
Net fees and commissions | 1,983 | 1,820 |  | 1,637 |
Trading income | 1,208 | 247 |  | 911 |
Other operating income | (140) | 387 |  | (117) |
Total income | 12,726 | 9,920 |  | 9,747 |
Operating (loss)/profit before tax | 5,716 | 4,143 |  | (193) |
Total assets | 589,758 | 693,221 |  | 704,725 |
Total liabilities | 579,476 | 676,684 |  | 686,500 |
Contingent liabilities and commitments | 117,915 | 117,225 |  | 118,654 |
USA |  |  |  |  |
Geographical segments |  |  |  |  |
Total revenue | 117 | 87 |  | 211 |
Interest receivable | 37 | 20 |  |  |
Interest payable | (2) | (2) |  |  |
Net fees and commissions | 44 | 27 |  | 33 |
Trading income | 1 | 53 |  | 170 |
Other operating income | 14 | 2 |  | (22) |
Total income | 94 | 100 |  | 181 |
Operating (loss)/profit before tax | (46) | 48 |  | (85) |
Total assets | 25,979 | 21,776 |  | 25,439 |
Total liabilities | 27,039 | 23,286 |  | 26,932 |
Contingent liabilities and commitments |  | 1 |  |  |
Europe |  |  |  |  |
Geographical segments |  |  |  |  |
Total revenue | 558 | 482 |  | 551 |
Interest receivable | 344 | 257 |  | 210 |
Interest payable | (221) | (211) |  | (158) |
Net fees and commissions | 207 | 231 |  | 215 |
Trading income | (104) | (1) |  | 33 |
Other operating income | 12 | 62 |  | 42 |
Total income | 238 | 338 |  | 342 |
Operating (loss)/profit before tax | (620) | (387) |  | (363) |
Total assets | 101,164 | 64,415 |  | 66,884 |
Total liabilities | 75,092 | 38,835 |  | 41,018 |
Contingent liabilities and commitments | 8,649 | 8,114 |  | 10,068 |
RoW |  |  |  |  |
Geographical segments |  |  |  |  |
Total revenue | 104 | 33 |  | 174 |
Interest receivable | 14 | 8 |  | 22 |
Interest payable | (5) | (3) |  | (1) |
Net fees and commissions | 58 | 42 |  | 97 |
Trading income | 28 | 24 |  | 11 |
Other operating income | 3 |  |  | 4 |
Total income | 98 | 71 |  | 133 |
Operating (loss)/profit before tax | 82 | 40 |  | 88 |
Total assets | 3,152 | 2,580 |  | 2,443 |
Total liabilities | 1,950 | 1,384 |  | 1,217 |
Contingent liabilities and commitments | £ 17 | £ 27 |  | £ 10 |
[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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