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Intangible assets (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
Intangible assets |  |  |
At beginning of period | £ 7,116 |  |
At end of period | 7,614 | £ 7,116 |
Intangible assets | 7,614 | 7,116 |
Impairment of intangible assets | 23 | 0 |
Goodwill | £ 5,680 | £ 5,522 |
Impairment of goodwill |  |  | £ 85
Expected growth rate | 1.40% | 1.40% |
Retail Banking |  |  |
Intangible assets |  |  |
Goodwill | £ 2,607 | £ 2,607 |
Pre-tax discount rate | 16.00% | 15.30% |
Private Banking |  |  |
Intangible assets |  |  |
Goodwill | £ 9 | £ 9 |
Pre-tax discount rate | 16.00% | 15.30% |
RBS International |  |  |
Intangible assets |  |  |
Goodwill | £ 300 | £ 300 |
Pre-tax discount rate | 14.60% | 14.00% |
Cushon |  |  |
Intangible assets |  |  |
Goodwill | £ 159 | £ 0 |
Pre-tax discount rate | 15.30% | 0.00% |
Ring-Fenced Bank Commercial & Institutional |  |  |
Intangible assets |  |  |
Goodwill | £ 2,605 | £ 2,606 |
Pre-tax discount rate | 16.00% | 15.30% |
Retail Banking |  |  |
Intangible assets |  |  |
Goodwill | £ 2,607 | £ 2,607 |
Private Banking |  |  |
Intangible assets |  |  |
Goodwill | 9 | 9 |
Cost |  |  |
Intangible assets |  |  |
At beginning of period | 13,694 | 12,989 |
Currency translation and other adjustments |  | (11) |
Acquisitions of companies and businesses | 196 |  |
Additions | 762 | 743 |
Disposals and write-off of fully amortised assets | (115) | (27) |
At end of period | 14,537 | 13,694 | 12,989
Intangible assets | 14,537 | 13,694 | 12,989
Accumulated impairment, depreciation and amortisation |  |  |
Intangible assets |  |  |
At beginning of period | (6,578) | (6,266) |
Currency translation and other adjustments |  | 12 |
Disposals and write-off of fully amortised assets | 116 | 17 |
Impairment of intangible assets | 23 |  |
Amortisation charge for the year | 438 | 341 |
At end of period | (6,923) | (6,578) | (6,266)
Intangible assets | (6,923) | (6,578) | (6,266)
Goodwill |  |  |
Intangible assets |  |  |
At beginning of period | 5,522 |  |
At end of period | 5,680 | 5,522 |
Intangible assets | 5,680 | 5,522 |
Goodwill | Cost |  |  |
Intangible assets |  |  |
At beginning of period | 9,931 | 9,939 |
Currency translation and other adjustments |  | (8) |
Acquisitions of companies and businesses | 159 |  |
At end of period | 10,090 | 9,931 | 9,939
Intangible assets | 10,090 | 9,931 | 9,939
Goodwill | Accumulated impairment, depreciation and amortisation |  |  |
Intangible assets |  |  |
At beginning of period | (4,409) | (4,417) |
Currency translation and other adjustments |  | 8 |
Impairment of intangible assets | 1 |  |
At end of period | (4,410) | (4,409) | (4,417)
Intangible assets | (4,410) | (4,409) | (4,417)
Intangible assets other than goodwill |  |  |
Intangible assets |  |  |
At beginning of period | 1,594 |  |
At end of period | 1,934 | 1,594 |
Intangible assets | 1,934 | 1,594 |
Intangible assets other than goodwill | Cost |  |  |
Intangible assets |  |  |
At beginning of period | 3,763 | 3,050 |
Currency translation and other adjustments |  | (3) |
Acquisitions of companies and businesses | 37 |  |
Additions | 762 | 743 |
Disposals and write-off of fully amortised assets | (115) | (27) |
At end of period | 4,447 | 3,763 | 3,050
Intangible assets | 4,447 | 3,763 | 3,050
Intangible assets other than goodwill | Accumulated impairment, depreciation and amortisation |  |  |
Intangible assets |  |  |
At beginning of period | (2,169) | (1,849) |
Currency translation and other adjustments |  | 4 |
Disposals and write-off of fully amortised assets | 116 | 17 |
Impairment of intangible assets | 22 |  |
Amortisation charge for the year | 438 | 341 |
At end of period | (2,513) | (2,169) | (1,849)
Intangible assets | £ (2,513) | £ (2,169) | £ (1,849)

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- Definition The growth rate used to extrapolate cash flow projections beyond the period covered by the most recent budgets/forecasts for a cash-generating unit (group of units). [Refer: Cash-generating units [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 36 -IssueDate 2023-01-01 -Paragraph 134 -Subparagraph d -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=36&code=ifrs-tx-2023-en-r&anchor=para_134_d_iv&doctype=Standard -URIDate 2023-03-23 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 36 -IssueDate 2023-01-01 -Paragraph 134 -Subparagraph e -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=36&code=ifrs-tx-2023-en-r&anchor=para_134_e_iv&doctype=Standard -URIDate 2023-03-23 + Details
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