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Segmental analysis - Operating profit/(loss) before tax (Details) - GBP (£)
£ in Millions
6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Segmental analysis    
Net interest income £ 3,916 £ 3,852
Net fees and commissions 1,027 1,038
Other non-interest income 376 948
Total income 5,319 5,838
Operating expenses (3,521) (3,750)
Impairment releases/(losses) 707 (2,858)
Operating profit/(loss) before tax 2,505 (770)
Retail Banking    
Segmental analysis    
Net interest income 1,976 1,982
Net fees and commissions 173 204
Other non-interest income 1 (1)
Total income 2,150 2,185
Operating expenses (1,187) (1,075)
Impairment releases/(losses) 57 (657)
Operating profit/(loss) before tax 1,020 453
Ulster Bank RoI    
Segmental analysis    
Net interest income 187 194
Net fees and commissions 38 44
Other non-interest income 18 11
Total income 243 249
Operating expenses (261) (245)
Impairment releases/(losses) 11 (243)
Operating profit/(loss) before tax (7) (239)
Private Banking    
Segmental analysis    
Net interest income 232 251
Net fees and commissions 124 130
Other non-interest income 12 11
Total income 368 392
Operating expenses (249) (252)
Impairment releases/(losses) 27 (56)
Operating profit/(loss) before tax 146 84
Commercial Banking    
Segmental analysis    
Net interest income 1,308 1,370
Net fees and commissions 560 552
Other non-interest income 55 81
Total income 1,923 2,003
Operating expenses (1,152) (1,221)
Impairment releases/(losses) 568 (1,790)
Operating profit/(loss) before tax 1,339 (1,008)
RBS International    
Segmental analysis    
Net interest income 182 201
Net fees and commissions 59 43
Other non-interest income 15 15
Total income 256 259
Operating expenses (112) (126)
Impairment releases/(losses) 29 (46)
Operating profit/(loss) before tax 173 87
NatWest Markets    
Segmental analysis    
Net interest income (3) (34)
Net fees and commissions 83 76
Other non-interest income 215 774
Total income 295 816
Operating expenses (560) (707)
Impairment releases/(losses) 16 (40)
Operating profit/(loss) before tax (249) 69
Central items and other    
Segmental analysis    
Net interest income 34 (112)
Net fees and commissions (10) (11)
Other non-interest income 60 57
Total income 84 (66)
Operating expenses   (124)
Impairment releases/(losses) (1) (26)
Operating profit/(loss) before tax £ 83 £ (216)