2022 Q1 interim management statement
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Annual report and accounts for 2021
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We are the largest UK retail and commercial financial services provider, with 26 million customers and a leading digital presence.
2022 Q1 interim management statement highlights
A solid financial performance, with strong income growth and capital build, demonstrating the consistent strength of our business model.
£1.2bn
statutory profit after tax£1.2 billion statutory profit after tax for the three months ended 31 March 2022.
£5.9 billion statutory profit before tax for the nine months ended 30 September 2021
£1.4 billion statutory profit for the year ended 31 December 2020.
£4.1bn
net income£4.1 billion net income for the three months ended 31 March 2022.
£5.9 billion statutory profit before tax for the nine months ended 30 September 2021
£1.4 billion statutory profit for the year ended 31 December 2020.
£2.1bn
operating costsOperating costs of £2.1 billion for the three months ended 31 March 2022.
£5.9 billion statutory profit before tax for the nine months ended 30 September 2021
£1.4 billion statutory profit for the year ended 31 December 2020.
£177m
net impairment charge£177 million net impairment charge for the three months ended 31 March 2022.
£5.9 billion statutory profit before tax for the nine months ended 30 September 2021
£1.4 billion statutory profit for the year ended 31 December 2020.
14.2%
CET1 ratio14.2% CET1 ratio, ahead of the Group’s ongoing target and providing significant loss absorbing capacity and capacity to lend to the real economy.
£5.9 billion statutory profit before tax for the nine months ended 30 September 2021
£1.4 billion statutory profit for the year ended 31 December 2020.
£451.8bn
loans and advances to customers£451.8 billion loans and advances to customers at 31 March 2022.
£5.9 billion statutory profit before tax for the nine months ended 30 September 2021
£1.4 billion statutory profit for the year ended 31 December 2020.
Our strategy
Building on our strong foundations and distinct competitive strengths, our purpose of Helping Britain Prosper forms the basis of our new strategy to profitably deliver for all of our stakeholders.
Strategy highlights
Our next chapter: 2022 strategy update
Video | 3 mins
Hear from Charlie Nunn, Group Chief Executive and Carla Antunes da Silva, Group Strategy, Corporate Development and Investor Relations Director, on our ambitions and the next chapter of our strategy.
Annual report and accounts 2021
Our reporting is designed to facilitate better communication to a range of stakeholders. Our annual report provides disclosures relating to our strategic, financial, operational, environmental and social performance and provides detail on our strategy.
Annual report highlights
Key information for investors
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Group Executive Committee
The Group Executive Committee reports to the Group Chief Executive and is responsible for delivering our vision across different parts of the business.
Environmental, social and governance
Strong ESG performance is core to delivering our purpose and strategy.
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