v3.25.2
Credit risk - Provisions for loan commitment and financial guarantees (Details) - ECL movement on loan commitments and other financial guarantees
£ in Millions
 6 Months Ended
Jun. 30, 2025
GBP (£)
Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance £ 19
Net transfers between stages 0
Business activity in the year 5
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (8)
Limit management and final repayments (2)
Ending balance 14
Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 114,303
Net transfers between stages 0
Business activity in the year 7,131
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (8,787)
Limit management and final repayments (5,997)
Disposals (5,430)
Ending balance 101,220
Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 4,084
Net transfers between stages 0
Business activity in the year 363
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 189
Limit management and final repayments (593)
Disposals (774)
Ending balance 3,269
Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 245,598
Net transfers between stages 0
Business activity in the year 53,845
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (5,827)
Limit management and final repayments (52,076)
Ending balance 241,540
ECL | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
ECL | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (50)
Net transfers between stages 0
Business activity in the year (6)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 3
Limit management and final repayments 7
Disposals 0
Ending balance (46)
ECL | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (5)
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 3
Limit management and final repayments 0
Disposals 0
Ending balance (2)
ECL | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (365)
Net transfers between stages 0
Business activity in the year (54)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 8
Limit management and final repayments 54
Ending balance (357)
Stage 1 | Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 18
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (8)
Limit management and final repayments (2)
Ending balance 8
Stage 1 | Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 112,645
Net transfers between stages (989)
Business activity in the year 7,095
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (7,716)
Limit management and final repayments (5,887)
Disposals (5,203)
Ending balance 99,945
Stage 1 | Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 3,970
Net transfers between stages (13)
Business activity in the year 363
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 196
Limit management and final repayments (565)
Disposals (743)
Ending balance 3,208
Stage 1 | Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 229,565
Net transfers between stages (70)
Business activity in the year 52,611
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (4,388)
Limit management and final repayments (49,930)
Ending balance 227,788
Stage 1 | ECL | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Stage 1 | ECL | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (34)
Net transfers between stages (6)
Business activity in the year (5)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 11
Limit management and final repayments 4
Disposals 0
Ending balance (30)
Stage 1 | ECL | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (5)
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 3
Limit management and final repayments 0
Disposals 0
Ending balance (2)
Stage 1 | ECL | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (116)
Net transfers between stages (23)
Business activity in the year (23)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 29
Limit management and final repayments 14
Ending balance (119)
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 1,648
Net transfers between stages 989
Business activity in the year 36
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (1,071)
Limit management and final repayments (110)
Disposals (217)
Ending balance 1,275
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 103
Net transfers between stages 12
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (1)
Limit management and final repayments (25)
Disposals (30)
Ending balance 59
Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 15,079
Net transfers between stages (98)
Business activity in the year 1,166
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (1,178)
Limit management and final repayments (1,983)
Ending balance 12,986
Lifetime expected credit losses | Stage 2 | ECL | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | ECL | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (15)
Net transfers between stages 6
Business activity in the year (1)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (9)
Limit management and final repayments 3
Disposals 0
Ending balance (16)
Lifetime expected credit losses | Stage 2 | ECL | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | ECL | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (225)
Net transfers between stages 22
Business activity in the year (31)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (21)
Limit management and final repayments 38
Ending balance (217)
Lifetime expected credit losses | Stage 3 | Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 1
Net transfers between stages 0
Business activity in the year 5
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 6
Lifetime expected credit losses | Stage 3 | Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 10
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals (10)
Ending balance 0
Lifetime expected credit losses | Stage 3 | Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 11
Net transfers between stages 1
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (6)
Limit management and final repayments (3)
Disposals (1)
Ending balance 2
Lifetime expected credit losses | Stage 3 | Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 954
Net transfers between stages 168
Business activity in the year 68
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (261)
Limit management and final repayments (163)
Ending balance 766
Lifetime expected credit losses | Stage 3 | ECL | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | ECL | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (1)
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 1
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | ECL | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | ECL | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (24)
Net transfers between stages 1
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 2
Ending balance £ (21)