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Intangible assets (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Intangible assets |  |
At beginning of period | £ 7,614 |
Impairment of intangible assets | 21 | £ 23
At end of period | 7,588 | 7,614
Intangible assets | 7,588 | 7,614
Goodwill | £ 5,675 | £ 5,680
Expected growth rate | 1.40% | 1.40%
Retail Banking |  |
Intangible assets |  |
Goodwill | £ 2,607 | £ 2,607
Other cash-generating units |  |
Intangible assets |  |
Goodwill | £ 464 | £ 468
RBS International |  |
Intangible assets |  |
Pre-tax discount rate | 14.60% | 14.60%
Cushon |  |
Intangible assets |  |
Pre-tax discount rate | 15.30% | 15.30%
Ring-Fenced Bank Commercial & Institutional |  |
Intangible assets |  |
Goodwill | £ 2,604 | £ 2,605
Retail Banking, Ring-Fenced Bank Commercial and Institutional and Private Banking cash-generating units |  |
Intangible assets |  |
Pre-tax discount rate | 16.00% | 16.00%
Cost |  |
Intangible assets |  |
At beginning of period | £ 14,537 | £ 13,694
Currency translation and other adjustments | (69) |
Acquisitions of companies and businesses |  | 196
Additions | 614 | 762
Disposals and write-off of fully amortised assets | (214) | (115)
At end of period | 14,868 | 14,537
Intangible assets | 14,868 | 14,537
Accumulated impairment, depreciation and amortisation |  |
Intangible assets |  |
At beginning of period | (6,923) | (6,578)
Currency translation and other adjustments | 24 |
Disposals and write-off of fully amortised assets | 201 | 116
Impairment of intangible assets | 21 | 23
Amortisation charge for the year | 561 | 438
At end of period | (7,280) | (6,923)
Intangible assets | (7,280) | (6,923)
Goodwill |  |
Intangible assets |  |
At beginning of period | 5,680 |
At end of period | 5,675 | 5,680
Intangible assets | 5,675 | 5,680
Goodwill | Cost |  |
Intangible assets |  |
At beginning of period | 10,090 | 9,931
Currency translation and other adjustments | (4) |
Acquisitions of companies and businesses |  | 159
At end of period | 10,086 | 10,090
Intangible assets | 10,086 | 10,090
Goodwill | Accumulated impairment, depreciation and amortisation |  |
Intangible assets |  |
At beginning of period | (4,410) | (4,409)
Impairment of intangible assets | 1 | 1
At end of period | (4,411) | (4,410)
Intangible assets | (4,411) | (4,410)
Intangible assets other than goodwill |  |
Intangible assets |  |
At beginning of period | 1,934 |
At end of period | 1,913 | 1,934
Intangible assets | 1,913 | 1,934
Intangible assets other than goodwill | Cost |  |
Intangible assets |  |
At beginning of period | 4,447 | 3,763
Currency translation and other adjustments | (65) |
Acquisitions of companies and businesses |  | 37
Additions | 614 | 762
Disposals and write-off of fully amortised assets | (214) | (115)
At end of period | 4,782 | 4,447
Intangible assets | 4,782 | 4,447
Intangible assets other than goodwill | Accumulated impairment, depreciation and amortisation |  |
Intangible assets |  |
At beginning of period | (2,513) | (2,169)
Currency translation and other adjustments | 24 |
Disposals and write-off of fully amortised assets | 201 | 116
Impairment of intangible assets | 20 | 22
Amortisation charge for the year | 561 | 438
At end of period | (2,869) | (2,513)
Intangible assets | £ (2,869) | £ (2,513)

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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: Total for all cash-generating units [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 36 -IssueDate 2024-01-01 -Paragraph 134 -Subparagraph d -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=36&code=ifrs-tx-2024-en-r&anchor=para_134_d_iv&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 36 -IssueDate 2024-01-01 -Paragraph 134 -Subparagraph e -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=36&code=ifrs-tx-2024-en-r&anchor=para_134_e_iv&doctype=Standard -URIDate 2024-03-27 + Details
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