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Segmental analysis (Tables) | 6 Months Ended
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Jun. 30, 2024
Segmental analysis |
Schedule of operating segments | Analysis of operating profit/(loss) before tax The following tables provide a segmental analysis of operating profit/(loss) before tax by the main income statement captions. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | Retail |  | Private |  | Commercial & |  | Central items |  | ​
​ | ​ | Banking | ​ | Banking | ​ | Institutional | ​ | & other | ​ | Total
Half year ended 30 June 2024 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Net interest income | ​ | 2,475 | ​ | 285 | ​ | 2,543 | ​ | 105 | ​ | 5,408
Net fees and commissions | ​ | 211 | ​ | 142 | ​ | 866 | ​ | — | ​ | 1,219
Other non-interest income | ​ | 4 | ​ | 17 | ​ | 391 | ​ | 95 | ​ | 507
Total income | ​ | 2,690 | ​ | 444 | ​ | 3,800 | ​ | 200 | ​ | 7,134
Depreciation and amortisation | ​ | (1) | ​ | — | ​ | (76) | ​ | (431) | ​ | (508)
Other operating expenses | ​ | (1,469) | ​ | (356) | ​ | (2,074) | ​ | 350 | ​ | (3,549)
Impairment (losses)/releases | ​ | (122) | ​ | 11 | ​ | 57 | ​ | 6 | ​ | (48)
Operating profit | ​ | 1,098 | ​ | 99 | ​ | 1,707 | ​ | 125 | ​ | 3,029
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Half year ended 30 June 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Net interest income |  | 2,908 |  | 428 |  | 2,504 |  | (114) |  | 5,726
Net fees and commissions |  | 206 |  | 125 |  | 821 |  | (8) |  | 1,144
Other non-interest income |  | 6 |  | 14 |  | 423 |  | 414 |  | 857
Total income |  | 3,120 |  | 567 |  | 3,748 |  | 292 |  | 7,727
Depreciation and amortisation |  | — |  | — |  | (78) |  | (391) |  | (469)
Other operating expenses |  | (1,367) |  | (322) |  | (1,909) |  | 152 |  | (3,446)
Impairment (losses)/releases |  | (193) |  | (11) |  | (20) |  | 1 |  | (223)
Operating profit |  | 1,560 |  | 234 |  | 1,741 |  | 54 |  | 3,589
​ ​ 5. Segmental analysis continued Total revenue (1) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Retail | ​ | Private | ​ | Commercial & | ​ | Central items | ​ | ​
​ | ​ | Banking | ​ | Banking | ​ | Institutional | ​ | & other | ​ | Total
Half year ended 30 June 2024 |  | £m |  | £m |  | £m |  | £m |  | £m
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
External |  | 4,331 |  | 614 |  | 7,072 |  | 2,347 |  | 14,364
Inter-segmental |  | 7 |  | 715 |  | (936) |  | 214 |  | —
Total |  | 4,338 |  | 1,329 |  | 6,136 |  | 2,561 |  | 14,364
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Half year ended 30 June 2023 |  |  |  |  |  |  |  |  |  |
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
External |  | 3,419 |  | 550 |  | 5,734 |  | 2,095 |  | 11,798
Inter-segmental |  | 1 |  | 418 |  | (720) |  | 301 |  | —
Total |  | 3,420 |  | 968 |  | 5,014 |  | 2,396 |  | 11,798
​
(1) | Total revenue comprises interest receivable, fees and commissions receivable, income from trading activities and other operating income.
Total assets and liabilities ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Retail | ​ | Private | ​ | Commercial & | ​ | Central items | ​ |
​ | ​ | Banking | ​ | Banking | ​ | Institutional | ​ | & other | ​ | Total
30 June 2024 |  | £m |  | £m |  | £m |  | £m |  | £m
Assets |  | 226,457 |  | 27,172 |  | 381,899 |  | 54,810 |  | 690,338
Liabilities |  | 195,454 |  | 39,745 |  | 356,539 |  | 61,037 |  | 652,775
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
31 December 2023 |  |  |  |  |  |  |  |  |  |
Assets |  | 228,684 |  | 26,894 |  | 384,958 |  | 52,137 |  | 692,673
Liabilities |  | 191,936 |  | 37,806 |  | 359,766 |  | 65,977 |  | 655,485
​ 5. Segmental analysis continued Analysis of net fees and commissions ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Retail | ​ | Private | ​ | Commercial & | ​ | Central items | ​ | ​
​ | ​ | Banking | ​ | Banking | ​ | Institutional | ​ | & other | ​ | Total
Half year ended 30 June 2024 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Fees and commissions receivable |  |  |  |  |  |  |  |  |  |
- Payment services | ​ | 165 | ​ | 20 | ​ | 335 | ​ | — | ​ | 520
- Credit and debit card fees |  | 196 |  | 6 |  | 130 |  | 2 |  | 334
- Lending and financing |  | 9 |  | 3 |  | 372 |  | — |  | 384
- Brokerage |  | 17 |  | 4 |  | 21 |  | — |  | 42
- Investment management, trustee and fiduciary services | ​ | 1 | ​ | 113 | ​ | 24 | ​ | 9 | ​ | 147
- Underwriting fees |  | — |  | — |  | 93 |  | — | ​ | 93
- Other |  | 4 |  | 6 |  | 52 |  | (15) |  | 47
Total |  | 392 |  | 152 |  | 1,027 |  | (4) |  | 1,567
Fees and commissions payable |  | (181) |  | (10) |  | (161) |  | 4 |  | (348)
Net fees and commissions |  | 211 |  | 142 |  | 866 |  | — |  | 1,219
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Half year ended 30 June 2023 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Fees and commissions receivable |  |  |  |  |  |  |  |  |  |
- Payment services | ​ | 159 | ​ | 16 | ​ | 332 | ​ | 3 | ​ | 510
- Credit and debit card fees |  | 197 |  | 6 |  | 129 |  | 2 |  | 334
- Lending and financing |  | 8 | ​ | 3 | ​ | 335 | ​ | 1 | ​ | 347
- Brokerage |  | 18 |  | 3 |  | 21 |  | — |  | 42
- Investment management, trustee and fiduciary services |  | 1 |  | 105 |  | 22 |  | — | ​ | 128
- Underwriting fees |  | — |  | — |  | 71 |  | — |  | 71
- Other |  | 1 |  | 2 |  | 31 |  | (7) |  | 27
Total |  | 384 |  | 135 |  | 941 |  | (1) |  | 1,459
Fees and commissions payable |  | (178) |  | (10) |  | (120) |  | (7) |  | (315)
Net fees and commissions |  | 206 |  | 125 |  | 821 |  | (8) |  | 1,144
​

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