v3.26.1
Segmental analysis - Operating profit/(loss) before tax (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Segmental analysis    
Net interest income £ 6,890 £ 6,120
Net fees and commissions 1,317 1,240
Total income 8,862 7,985
Depreciation and amortisation (565) (557)
Impairment losses (423) (382)
Operating profit before tax 4,318 3,585
Operating segment    
Segmental analysis    
Net interest income 6,890 6,120
Net fees and commissions 1,317 1,240
Other non-interest income 655 625
Total income 8,862 7,985
Depreciation and amortisation (565) (557)
Other operating expenses (3,556) (3,461)
Impairment losses (423) (382)
Operating profit before tax 4,318 3,585
Retail Banking    
Segmental analysis    
Net fees and commissions 265 213
Retail Banking | Operating segment    
Segmental analysis    
Net interest income 3,165 2,922
Net fees and commissions 265 213
Other non-interest income 8 (1)
Total income 3,438 3,134
Depreciation and amortisation (13)  
Other operating expenses (1,416) (1,423)
Impairment losses (280) (226)
Operating profit before tax 1,729 1,485
Commercial & Institutional    
Segmental analysis    
Net fees and commissions 871 865
Commercial & Institutional | Operating segment    
Segmental analysis    
Net interest income 3,367 2,955
Net fees and commissions 871 865
Other non-interest income 391 469
Total income 4,629 4,289
Depreciation and amortisation (62) (71)
Other operating expenses (2,146) (2,080)
Impairment losses (137) (154)
Operating profit before tax 2,284 1,984
Central items & other    
Segmental analysis    
Net fees and commissions 3 3
Central items & other | Operating segment    
Segmental analysis    
Net interest income (40) (120)
Net fees and commissions 3 3
Other non-interest income 237 140
Total income 200 23
Depreciation and amortisation (489) (486)
Other operating expenses 382 401
Impairment losses   (1)
Operating profit before tax 93 (63)
Private Banking    
Segmental analysis    
Net fees and commissions 178 159
Private Banking | Operating segment    
Segmental analysis    
Net interest income 398 363
Net fees and commissions 178 159
Other non-interest income 19 17
Total income 595 539
Depreciation and amortisation (1)  
Other operating expenses (376) (359)
Impairment losses (6) (1)
Operating profit before tax £ 212 £ 179