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Segmental analysis

6 Months Ended

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.

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Effective from Q2 2025, the reportable segment Private Banking was renamed Private Banking & Wealth Management.

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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.

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​	​	​	​	​	​	​	​	​	​	​
​		​		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

​

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5. Segmental analysis continued

Total revenue (1)

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​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	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

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(1) Total revenue comprises interest receivable, fees and commissions receivable, income from trading activities and other operating income.

Total assets and liabilities

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​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	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

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5. Segmental analysis continued

Analysis of net fees and commissions

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​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	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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X

- Definition

The entire disclosure for operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Name IFRS
-Number 8
-IssueDate 2024-01-01
-Section Disclosure
-URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&doctype=Standard&dita_xref=IFRS08_g20-24_TI
-URIDate 2024-03-27

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- References

No definition available.

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