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Segmental analysis (Tables)

6 Months Ended

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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- Definition

The disclosure of operating segments. [Refer: Operating segments [member]]

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Name IFRS
-Number 8
-IssueDate 2023-01-01
-Paragraph 23
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-URIDate 2023-03-23

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