Segmental analysis (Tables)

6 Months Ended

Jun. 30, 2026

Disclosure of operating segments [abstract]

Schedule of operating segments


Half-year to 30 June 2026	Retail £m	Commercial Banking £m			Other £m		Total £m

Net interest income	5,138		1,838		149		7,125
Other income	1,408		530		782		2,720
Total income	6,546		2,368		931		9,845
Operating expenses	(3,762)		(1,139)		(776)		(5,677)
Impairment charge	(565)		(47)		–		(612)
Profit before tax	2,219		1,182		155		3,556

External income (expense)	8,337		1,653		(145)		9,845
Inter-segment (expense) income	(1,791)		715		1,076		–
Segment income	6,546		2,368		931		9,845


Half-year to 30 June 2025	Retail £m		Commercial Banking £m		Other £m		Total £m

Net interest income	4,710		1,623		213		6,546
Other income	1,251		544		494		2,289
Total income	5,961		2,167		707		8,835
Operating expenses	(3,715)		(1,156)		(764)		(5,635)
Impairment charge	(342)		(99)		(1)		(442)
Profit before tax	1,904		912		(58)		2,758

External income	7,348		1,431		56		8,835
Inter-segment (expense) income	(1,387)		736		651		–
Segment income	5,961		2,167		707		8,835


	Retail £m	Commercial Banking £m			Other £m		Total £m
At 30 June 2026
External assets	409,956		89,608		156,815		656,379
External liabilities	328,916		149,389		135,176		613,481

At 31 December 2025
External assets	404,828		83,410		143,097		631,335
External liabilities	331,241		143,244		114,870		589,355