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Segmental analysis | 6 Months Ended
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Jun. 30, 2025
Segmental analysis |
Segmental analysis | 5. Segmental analysis The business is organised into the following reportable segments: Retail Banking, Private Banking & Wealth Management, Commercial & Institutional and Central items & other. ​ Effective from Q2 2025, the reportable segment Private Banking was renamed Private Banking & Wealth Management. ​ 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. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | Private Banking & |  | ​ |  | ​ |  | ​
​ | ​ | Retail | ​ | Wealth | ​ | Commercial & | ​ | Central items & | ​ | ​
​ | ​ | Banking | ​ | Management | ​ | Institutional | ​ | other | ​ | Total
Half year ended 30 June 2025 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Net interest income | ​ | 2,922 | ​ | 363 | ​ | 2,955 | ​ | (120) | ​ | 6,120
Net fees and commissions | ​ | 213 | ​ | 159 | ​ | 865 | ​ | 3 | ​ | 1,240
Other non-interest income | ​ | (1) | ​ | 17 | ​ | 469 | ​ | 140 | ​ | 625
Total income | ​ | 3,134 | ​ | 539 | ​ | 4,289 | ​ | 23 | ​ | 7,985
Depreciation and amortisation | ​ | — | ​ | — | ​ | (71) | ​ | (486) | ​ | (557)
Other operating expenses | ​ | (1,423) | ​ | (359) | ​ | (2,080) | ​ | 401 | ​ | (3,461)
Impairment losses | ​ | (226) | ​ | (1) | ​ | (154) | ​ | (1) | ​ | (382)
Operating profit/(loss) | ​ | 1,485 | ​ | 179 | ​ | 1,984 | ​ | (63) | ​ | 3,585
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Half year ended 30 June 2024 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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
​ ​ 5. Segmental analysis continued Total revenue (1) ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | Private Banking & | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Retail | ​ | Wealth | ​ | Commercial & | ​ | Central items & | ​ | ​
​ | ​ | Banking | ​ | Management | ​ | Institutional | ​ | other | ​ | Total
Half year ended 30 June 2025 |  | £m |  | £m |  | £m |  | £m |  | £m
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
External |  | 4,916 |  | 617 |  | 6,729 |  | 2,644 |  | 14,906
Inter-segmental |  | 6 |  | 774 |  | (794) |  | 14 |  | —
Total |  | 4,922 |  | 1,391 |  | 5,935 |  | 2,658 |  | 14,906
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Half year ended 30 June 2024 |  |  |  |  |  |  |  |  |  |
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
​
(1) | Total revenue comprises interest receivable, fees and commissions receivable, income from trading activities and other operating income.
Total assets and liabilities ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | Private Banking & | ​ | ​ | ​ | ​ | ​ |
​ | ​ | Retail | ​ | Wealth | ​ | Commercial & | ​ | Central items & | ​ | ​
​ | ​ | Banking | ​ | Management | ​ | Institutional | ​ | other | ​ | Total
30 June 2025 |  | £m |  | £m |  | £m |  | £m |  | £m
Assets |  | 238,616 |  | 29,077 |  | 414,911 |  | 48,174 |  | 730,778
Liabilities |  | 200,513 |  | 41,604 |  | 381,220 |  | 65,465 |  | 688,802
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
31 December 2024 |  |  |  |  |  |  |  |  |  |
Assets |  | 232,835 |  | 28,593 |  | 398,750 |  | 47,807 |  | 707,985
Liabilities |  | 198,795 |  | 42,603 |  | 367,342 |  | 59,867 |  | 668,607
​ 5. Segmental analysis continued Analysis of net fees and commissions ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | Private Banking | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Retail | ​ | & Wealth | ​ | Commercial | ​ | Central items | ​ | ​
​ | ​ | Banking | ​ | Management | ​ | & Institutional | ​ | & other | ​ | Total
Half year ended 30 June 2025 | ​ | £m | ​ | £m | ​ | £m | ​ | £m | ​ | £m
Continuing operations | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Fees and commissions receivable |  |  |  |  |  |  |  |  |  |
- Payment services | ​ | 176 | ​ | 20 | ​ | 355 | ​ | — | ​ | 551
- Credit and debit card fees |  | 203 |  | 10 |  | 133 |  | — |  | 346
- Lending and financing |  | 8 |  | 4 |  | 370 |  | — |  | 382
- Brokerage |  | 19 |  | 5 |  | 28 |  | — |  | 52
- Investment management, trustee and fiduciary services | ​ | 1 | ​ | 126 | ​ | 25 | ​ | 10 | ​ | 162
- Underwriting fees |  | — |  | — |  | 88 |  | — | ​ | 88
- Other |  | 5 |  | 2 |  | 28 |  | (8) |  | 27
Total |  | 412 |  | 167 |  | 1,027 |  | 2 |  | 1,608
Fees and commissions payable |  | (199) |  | (8) |  | (162) |  | 1 |  | (368)
Net fees and commissions |  | 213 |  | 159 |  | 865 |  | 3 |  | 1,240
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Half year ended 30 June 2024 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
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
​

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