| Schedule of operating segments |
| | | | | | | | | | | | | | | Private Banking & | | | | | | | | | Retail | | Wealth | | Commercial & | | Central items & | | | | | Banking | | Management | | Institutional | | other | | Total | Half year ended 30 June 2026 | | £m | | £m | | £m | | £m | | £m | Net interest income | | 3,165 | | 398 | | 3,367 | | (40) | | 6,890 | Net fees and commissions | | 265 | | 178 | | 871 | | 3 | | 1,317 | Other non-interest income | | 8 | | 19 | | 391 | | 237 | | 655 | Total income | | 3,438 | | 595 | | 4,629 | | 200 | | 8,862 | Depreciation and amortisation | | (13) | | (1) | | (62) | | (489) | | (565) | Other operating expenses | | (1,416) | | (376) | | (2,146) | | 382 | | (3,556) | Impairment losses | | (280) | | (6) | | (137) | | — | | (423) | Operating profit | | 1,729 | | 212 | | 2,284 | | 93 | | 4,318 | | | | | | | | | | | | Half year ended 30 June 2025 | | | | | | | | | | | 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 |
Total revenue (1) | | | | | | | | | | | | | | | Private Banking & | | | | | | | | | Retail | | Wealth | | Commercial & | | Central items & | | | | | Banking | | Management | | Institutional | | other | | Total | Half year ended 30 June 2026 | | £m | | £m | | £m | | £m | | £m | External | | 5,312 | | 634 | | 6,631 | | 2,831 | | 15,408 | Inter-segmental | | 7 | | 691 | | (665) | | (33) | | — | Total | | 5,319 | | 1,325 | | 5,966 | | 2,798 | | 15,408 | | | | | | | | | | | | Half year ended 30 June 2025 | | | | | | | | | | | 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 |
| (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 2026 | | £m | | £m | | £m | | £m | | £m | Assets | | 247,472 | | 32,899 | | 422,116 | | 42,880 | | 745,367 | Liabilities | | 205,933 | | 42,139 | | 377,800 | | 75,667 | | 701,539 | | | | | | | | | | | | 31 December 2025 | | | | | | | | | | | Assets | | 240,259 | | 30,457 | | 391,869 | | 51,968 | | 714,553 | Liabilities | | 206,398 | | 42,895 | | 354,499 | | 68,148 | | 671,940 |
Analysis of net fees and commissions | | | | | | | | | | | | | | | Private Banking | | | | | | | | | Retail | | & Wealth | | Commercial | | Central items | | | | | Banking | | Management | | & Institutional | | & other | | Total | Half year ended 30 June 2026 | | £m | | £m | | £m | | £m | | £m | Fees and commissions receivable | | | | | | | | | | | - Payment services | | 191 | | 19 | | 358 | | — | | 568 | - Credit and debit card fees | | 207 | | 10 | | 133 | | — | | 350 | - Lending and financing | | 8 | | 4 | | 385 | | — | | 397 | - Brokerage | | 68 | | 6 | | 25 | | — | | 99 | - Investment management, trustee and fiduciary services | | 2 | | 148 | | 27 | | 8 | | 185 | - Underwriting fees | | — | | — | | 93 | | — | | 93 | - Other | | 10 | | 3 | | 19 | | (14) | | 18 | Total | | 486 | | 190 | | 1,040 | | (6) | | 1,710 | Fees and commissions payable | | (221) | | (12) | | (169) | | 9 | | (393) | Net fees and commissions | | 265 | | 178 | | 871 | | 3 | | 1,317 | | | | | | | | | | | | Half year ended 30 June 2025 | | | | | | | | | | | 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 |
|