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Segmental analysis - Geographical segments (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Geographical segments |  |  |
Total revenue | £ 29,323 | £ 25,382 | £ 16,574
Interest receivable | 25,187 | 21,026 | 12,637
Interest payable | (13,912) | (9,977) | (2,795)
Net fees and commissions | 2,467 | 2,330 | 2,292
Trading income | 825 | 794 | 1,133
Other operating income | 136 | 579 | (111)
Total income | 14,703 | 14,752 | 13,156
Operating profit/(loss) before tax | 6,195 | 6,178 | 5,132
Total assets | 707,985 | 692,673 | 720,053
Total liabilities | 668,607 | 655,485 | 683,557
Total | 139,961 | 131,880 | 136,836
UNITED KINGDOM |  |  |
Geographical segments |  |  |
Total revenue | 28,067 | 24,096 | 15,795
Interest receivable | 24,276 | 20,192 | 12,242
Interest payable | (13,328) | (9,500) | (2,567)
Net fees and commissions | 2,096 | 2,052 | 1,983
Trading income | 648 | 704 | 1,208
Other operating income | 403 | 556 | (140)
Total income | 14,095 | 14,004 | 12,726
Operating profit/(loss) before tax | 6,146 | 6,196 | 5,716
Total assets | 627,519 | 610,831 | 589,758
Total liabilities | 608,708 | 594,250 | 579,476
Total | 132,035 | 124,298 | 127,854
UNITED STATES |  |  |
Geographical segments |  |  |
Total revenue | 297 | 167 | 117
Interest receivable | 32 | 39 | 37
Interest payable | (63) | (1) | (2)
Net fees and commissions | 108 | 49 | 44
Trading income | 135 | 66 | 1
Other operating income | (4) | (10) | 14
Total income | 208 | 143 | 94
Operating profit/(loss) before tax | 75 | 45 | (46)
Total assets | 25,793 | 23,725 | 25,979
Total liabilities | 23,495 | 22,106 | 27,039
Europe |  |  |
Geographical segments |  |  |
Total revenue | 857 | 1,016 | 558
Interest receivable | 859 | 774 | 344
Interest payable | (516) | (472) | (221)
Net fees and commissions | 207 | 172 | 207
Trading income | 18 | 1 | (104)
Other operating income | (264) | 30 | 12
Total income | 304 | 505 | 238
Operating profit/(loss) before tax | (151) | (149) | (620)
Total assets | 53,392 | 56,001 | 101,164
Total liabilities | 35,602 | 37,506 | 75,092
Total | 7,925 | 7,561 | 8,965
RoW |  |  |
Geographical segments |  |  |
Total revenue | 102 | 103 | 104
Interest receivable | 20 | 21 | 14
Interest payable | (5) | (4) | (5)
Net fees and commissions | 56 | 57 | 58
Trading income | 24 | 23 | 28
Other operating income | 1 | 3 | 3
Total income | 96 | 100 | 98
Operating profit/(loss) before tax | 125 | 86 | 82
Total assets | 1,281 | 2,116 | 3,152
Total liabilities | 802 | 1,623 | 1,950
Total | £ 1 | £ 21 | £ 17

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