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Segmental analysis - Operating profit/(loss) before tax (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Segmental analysis |  |  |
Net interest income | £ 11,275 | £ 11,049 | £ 9,842
Net fees and commissions | 2,467 | 2,330 | 2,292
Total income | 14,703 | 14,752 | 13,156
Depreciation and amortisation | (1,058) | (934) | (833)
Impairment losses | (359) | (578) | (337)
Operating profit before tax | 6,195 | 6,178 | 5,132
Operating segment |  |  |
Segmental analysis |  |  |
Net interest income | 11,275 | 11,049 | 9,842
Net fees and commissions | 2,467 | 2,330 | 2,292
Other non-interest income | 961 | 1,373 | 1,022
Total income | 14,703 | 14,752 | 13,156
Depreciation and amortisation | (1,058) | (934) | (833)
Other operating expenses | (7,091) | (7,062) | (6,854)
Impairment losses | (359) | (578) | (337)
Operating profit before tax | 6,195 | 6,178 | 5,132
Retail Banking |  |  |
Segmental analysis |  |  |
Net fees and commissions | 408 | 427 | 422
Total income | 4,743 | 4,170 | 4,956
Retail Banking | Operating segment |  |  |
Segmental analysis |  |  |
Net interest income | 5,233 | 5,496 | 5,224
Net fees and commissions | 408 | 427 | 422
Other non-interest income | 9 | 8 |
Total income | 5,650 | 5,931 | 5,646
Depreciation and amortisation | (1) | (1) |
Other operating expenses | (2,936) | (2,827) | (2,593)
Impairment losses | (282) | (465) | (229)
Operating profit before tax | 2,431 | 2,638 | 2,824
Private Banking |  |  |
Segmental analysis |  |  |
Net fees and commissions | 290 | 249 | 250
Total income | 26 | 327 | 778
Private Banking | Operating segment |  |  |
Segmental analysis |  |  |
Net interest income | 645 | 710 | 777
Net fees and commissions | 290 | 249 | 250
Other non-interest income | 34 | 31 | 29
Total income | 969 | 990 | 1,056
Depreciation and amortisation | (1) | (1) |
Other operating expenses | (715) | (684) | (622)
Impairment losses | 11 | (14) | 2
Operating profit before tax | 264 | 291 | 436
Commercial & Institutional |  |  |
Segmental analysis |  |  |
Net fees and commissions | 1,765 | 1,654 | 1,580
Total income | 8,250 | 7,730 | 5,920
Commercial & Institutional | Operating segment |  |  |
Segmental analysis |  |  |
Net interest income | 5,339 | 5,044 | 4,171
Net fees and commissions | 1,765 | 1,654 | 1,580
Other non-interest income | 853 | 723 | 662
Total income | 7,957 | 7,421 | 6,413
Depreciation and amortisation | (154) | (154) | (161)
Other operating expenses | (4,120) | (3,937) | (3,583)
Impairment losses | (98) | (94) | (122)
Operating profit before tax | 3,585 | 3,236 | 2,547
Central Items and other |  |  |
Segmental analysis |  |  |
Net fees and commissions | 4 |  | 40
Total income | 1,684 | 2,525 | 1,502
Central Items and other | Operating segment |  |  |
Segmental analysis |  |  |
Net interest income | 58 | (201) | (330)
Net fees and commissions | 4 |  | 40
Other non-interest income | 65 | 611 | 331
Total income | 127 | 410 | 41
Depreciation and amortisation | (902) | (778) | (672)
Other operating expenses | 680 | 386 | (56)
Impairment losses | 10 | (5) | 12
Operating profit before tax | £ (85) | £ 13 | £ (675)

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