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Summarised segmental analysis
2007
| UK Retail Banking £m |
Insurance and investments** £m |
Wholesale and International Banking £m |
Central group items £m |
Group excluding insurance gross up £m |
Insurance gross up** £m |
Group £m |
|
|---|---|---|---|---|---|---|---|
| Net interest income | 3,783 | 68 | 2,518 | (738) | 5,631 | 461 | 6,092 |
| Other income | 1,797 | 1,900 | 1,773 | 362 | 5,832 | 6,804 | 12,636 |
| Total income | 5,580 | 1,968 | 4,291 | (376) | 11,463 | 7,265 | 18,728 |
| Insurance claims | - | (302) | - | - | (302) | (7,220) | (7,522) |
| Total income, net of insurance claims | 5,580 | 1,666 | 4,291 | (376) | 11,161 | 45 | 11,206 |
| Operating expenses | (2,548) | (636) | (2,282) | (6) | (5,472) | (19) | (5,491) |
| Trading surplus (deficit) | 3,032 | 1,030 | 2,009 | (382) | 5,689 | 26 | 5,715 |
| Impairment | (1,224) | - | (572) | - | (1,796) | - | (1,796) |
| Profit (loss) before tax* | 1,808 | 1,030 | 1,437 | (382) | 3,893 | 26 | 3,919 |
| Volatility | |||||||
| – Insurance | - | (267) | - | - | (267) | - | (267) |
| – Policyholder interests | - | - | - | - | - | (233) | (233) |
| Profit on sale of businesses | - | 272 | 385 | - | 657 | - | 657 |
| Settlement of overdraft claims | (76) | - | - | - | (76) | - | (76) |
| Profit (loss) before tax | 1,732 | 1,035 | 1,822 | (382) | 4,207 | (207) | 4,000 |
2006
| UK Retail Banking £m |
Insurance and Investments** £m |
Wholesale and International Banking £m |
Central group items £m |
Group excluding insurance gross up £m |
Insurance gross up** £m |
Group £m |
|
|---|---|---|---|---|---|---|---|
| Net interest income | 3,642 | 56 | 2,177 | (593) | 5,282 | 78 | 5,360 |
| Other income | 1,621 | 1,740 | 2,035 | 201 | 5,597 | 8,306 | 13,903 |
| Total income | 5,263 | 1,796 | 4,212 | (392) | 10,879 | 8,384 | 19,263 |
| Insurance claims | – | (200) | – | – | (200) | (8,369) | (8,569) |
| Total income, net of insurance claims | 5,263 | 1,596 | 4,212 | (392) | 10,679 | 15 | 10,694 |
| Operating expenses | (2,476) | (646) | (2,264) | (51) | (5,437) | 8 | (5,429) |
| Trading surplus (deficit) | 2,787 | 950 | 1,948 | (443) | 5,242 | 23 | 5,265 |
| Impairment | (1,238) | – | (308) | (9) | (1,555) | – | (1,555) |
| Profit (loss) before tax* | 1,549 | 950 | 1,640 | (452) | 3,687 | 23 | 3,710 |
| Volatility | |||||||
| – Insurance | – | 84 | – | – | 84 | – | 84 |
| – Policyholder interests | – | – | – | – | – | 326 | 326 |
| Pension schemes related credit | – | – | – | 128 | 128 | – | 128 |
| Profit (loss) before tax | 1,549 | 1,034 | 1,640 | (324) | 3,899 | 349 | 4,248 |
* Excluding volatility, profit on sale of businesses, the settlement of overdraft claims in 2007 and the pension schemes related credit in 2006.
** The Group’s income statement includes income and expenditure which are attributable to the policyholders of the Group’s long-term assurance funds. These items have no impact upon the profit attributable to equity shareholders. In order to provide a clearer representation of the underlying trends within the Insurance and Investments segment, these items are shown within a separate column in the segmental analysis above.