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Segmental analysis - Operating profit or (loss) before tax (Details) - GBP (£)
£ in Millions
6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Segmental analysis    
Net interest income £ 4,334 £ 3,744
Net fees and commissions 1,124 1,019
Other non-interest income 761 378
Total income 6,219 5,141
Depreciation and amortisation (413) (414)
Other operating expenses (3,240) (3,085)
Operating expenses (3,653) (3,499)
Impairment (losses)/releases 54 683
Operating profit before tax 2,620 2,325
Retail Banking    
Segmental analysis    
Net interest income 2,340 1,976
Net fees and commissions 219 173
Other non-interest income (5) 1
Total income 2,554 2,150
Other operating expenses (1,242) (1,187)
Impairment (losses)/releases (26) 57
Operating profit before tax 1,286 1,020
Ulster Bank RoI    
Segmental analysis    
Net interest income 6 15
Net fees and commissions 14 30
Other non-interest income 13 20
Total income 33 65
Other operating expenses (254) (239)
Impairment (losses)/releases 8 (13)
Operating profit before tax (213) (187)
Private Banking    
Segmental analysis    
Net interest income 315 232
Net fees and commissions 131 124
Other non-interest income 15 12
Total income 461 368
Other operating expenses (285) (249)
Impairment (losses)/releases 11 27
Operating profit before tax 187 146
Commercial Banking    
Segmental analysis    
Net interest income 1,764 1,487
Net fees and commissions 753 702
Other non-interest income 420 285
Total income 2,937 2,474
Depreciation and amortisation (82) (85)
Other operating expenses (1,738) (1,739)
Impairment (losses)/releases 59 613
Operating profit before tax 1,176 1,263
Central Items and other    
Segmental analysis    
Net interest income (91) 34
Net fees and commissions 7 (10)
Other non-interest income 318 60
Total income 234 84
Depreciation and amortisation (331) (329)
Other operating expenses 279 329
Impairment (losses)/releases 2 (1)
Operating profit before tax 184 83
Total excluding Ulster Bank RoI    
Segmental analysis    
Net interest income 4,328 3,729
Net fees and commissions 1,110 989
Other non-interest income 748 358
Total income 6,186 5,076
Depreciation and amortisation (413) (414)
Other operating expenses (2,986) (2,846)
Impairment (losses)/releases 46 696
Operating profit before tax £ 2,833 £ 2,512