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2022 Q3 results
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How we create value and what sets us apart
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Annual report and accounts for 2021
See the highlightsAnnual report and accounts 2021
We are the largest UK retail and commercial financial services provider, with 26 million customers and a leading digital presence.
2022 Q3 results – 27 October
Interim management statement (PDF, 0.2MB)
Results presentation (PDF, 1.0MB)
Excel download (XLS, 0.1MB)
Webcast recording
2022 Q3 results highlights
Robust financial results with strong observed asset quality and continued business momentum while significant investment is underway, supporting growth strategy.
£4.0bn
statutory profit after tax£4.0 billion statutory profit after tax for the nine months ended 30 September 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.
£13.0bn
net income£13.0 billion net income for the nine months ended 30 September 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.
£6.4bn
operating costsOperating costs of £6.4 billion for the nine months ended 30 September 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.
£1.0bn
net impairment charge£1.0 billion net impairment charge for the nine months ended 30 September 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.
12.9%
return on tangible equity12.9% return on tangible equity for the nine months ended 30 September 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.
15.0%
CET1 ratio15.0% CET1 ratio, ahead of the Board’s ongoing target.
£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 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.
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Strong ESG performance is core to delivering our purpose and strategy.
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