Credit Risk - Disclosure of movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees (Details) - GBP (£)
£ in Millions |
6 Months Ended |
12 Months Ended |
Jun. 30, 2025 |
Jun. 30, 2024 |
Dec. 31, 2024 |
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Impairment loss (reversal of impairment loss) |
£ 1,112
|
£ 897
|
£ 1,982
|
| Financial guarantee contracts |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Recoveries and reimbursements |
(58)
|
(18)
|
|
| ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
431,718
|
|
|
| Closing balance |
416,252
|
|
431,718
|
| Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
168,248
|
|
|
| Business activity in the period |
15,591
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(4,465)
|
|
|
| Final repayments |
(7,381)
|
|
|
| Disposals |
(10)
|
|
|
| Write-offs |
(13)
|
|
|
| Closing balance |
171,970
|
|
168,248
|
| Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
38,086
|
|
|
| Business activity in the period |
2,123
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(2,591)
|
|
|
| Final repayments |
(149)
|
|
|
| Disposals |
(245)
|
|
|
| Write-offs |
(516)
|
|
|
| Closing balance |
36,708
|
|
38,086
|
| Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
14,218
|
|
|
| Business activity in the period |
3,160
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(581)
|
|
|
| Final repayments |
(2,458)
|
|
|
| Disposals |
(21)
|
|
|
| Write-offs |
(57)
|
|
|
| Closing balance |
14,261
|
|
14,218
|
| Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
130,791
|
|
|
| Business activity in the period |
17,983
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(921)
|
|
|
| Final repayments |
(17,733)
|
|
|
| Disposals |
(124)
|
|
|
| Write-offs |
(161)
|
|
|
| Closing balance |
129,835
|
|
130,791
|
| Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
432,157
|
|
|
| Closing balance |
416,677
|
|
432,157
|
| Gross exposure | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
204,200
|
|
|
| Closing balance |
239,200
|
|
204,200
|
| Impairment allowance |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(5,532)
|
|
|
| Closing balance |
(5,395)
|
|
(5,532)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Recoveries and reimbursements |
(101)
|
|
|
| ECL charge on assets held for sale |
105
|
|
|
| Total exchange and other adjustments |
269
|
|
|
| Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
858
|
|
|
| Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(187)
|
|
|
| Business activity in the period |
(8)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(18)
|
|
|
| Final repayments |
14
|
|
|
| Disposals |
6
|
|
|
| Write-offs |
13
|
|
|
| Closing balance |
(180)
|
|
(187)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
12
|
|
|
| Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(3,307)
|
|
|
| Business activity in the period |
(70)
|
|
|
| Refinements to models used for calculation |
32
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(477)
|
|
|
| Final repayments |
8
|
|
|
| Disposals |
190
|
|
|
| Write-offs |
516
|
|
|
| Closing balance |
(3,108)
|
|
(3,307)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
507
|
|
|
| Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(410)
|
|
|
| Business activity in the period |
(46)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(98)
|
|
|
| Final repayments |
27
|
|
|
| Disposals |
15
|
|
|
| Write-offs |
57
|
|
|
| Closing balance |
(455)
|
|
(410)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
117
|
|
|
| Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,166)
|
|
|
| Business activity in the period |
(78)
|
|
|
| Refinements to models used for calculation |
14
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(252)
|
|
|
| Final repayments |
94
|
|
|
| Disposals |
24
|
|
|
| Write-offs |
161
|
|
|
| Closing balance |
(1,203)
|
|
(1,166)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
222
|
|
|
| Impairment allowance | Corporate loans | Government debt |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(200)
|
|
|
| Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(439)
|
|
|
| Closing balance |
(425)
|
|
(439)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(14)
|
|
|
| Impairment allowance | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(156)
|
|
|
| Closing balance |
(150)
|
|
(156)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(6)
|
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
1
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
346,273
|
|
|
| Write-offs |
(747)
|
(760)
|
|
| Closing balance |
347,828
|
|
346,273
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Post write-off recoveries |
43
|
38
|
|
| Net write-offs |
704
|
£ 722
|
|
| Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
168,061
|
|
|
| Closing balance |
171,790
|
|
168,061
|
| Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
34,779
|
|
|
| Closing balance |
33,600
|
|
34,779
|
| Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
13,808
|
|
|
| Closing balance |
13,806
|
|
13,808
|
| Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
129,625
|
|
|
| Closing balance |
128,632
|
|
129,625
|
| Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
68,210
|
|
|
| Closing balance |
69,936
|
|
68,210
|
| Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
351,343
|
|
|
| Closing balance |
352,774
|
|
351,343
|
| Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
168,248
|
|
|
| Disposals |
(10)
|
|
|
| Closing balance |
171,970
|
|
168,248
|
| Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
38,086
|
|
|
| Disposals |
(245)
|
|
|
| Closing balance |
36,708
|
|
38,086
|
| Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
14,218
|
|
|
| Disposals |
(21)
|
|
|
| Closing balance |
14,261
|
|
14,218
|
| Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
130,791
|
|
|
| Disposals |
(124)
|
|
|
| Closing balance |
129,835
|
|
130,791
|
| Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
68,233
|
|
|
| Closing balance |
69,960
|
|
68,233
|
| Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(5,070)
|
|
|
| Closing balance |
(4,946)
|
|
(5,070)
|
| Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(187)
|
|
|
| Closing balance |
(180)
|
|
(187)
|
| Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(3,307)
|
|
|
| Closing balance |
(3,108)
|
|
(3,307)
|
| Financial assets at amortised cost | Impairment allowance | Retail credit cards | US |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Refinements to models used for calculation |
32
|
|
|
| Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(410)
|
|
|
| Closing balance |
(455)
|
|
(410)
|
| Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,166)
|
|
|
| Closing balance |
(1,203)
|
|
(1,166)
|
| Financial assets at amortised cost | Impairment allowance | Corporate loans | Barclays Investment Bank |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Refinements to models used for calculation |
14
|
|
|
| Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(23)
|
|
|
| Closing balance |
(24)
|
|
(23)
|
| Stage 1 | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
412,091
|
|
|
| Closing balance |
398,511
|
|
412,091
|
| Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
146,690
|
|
|
| Business activity in the period |
15,180
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(3,839)
|
|
|
| Final repayments |
(6,279)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
152,861
|
|
146,690
|
| Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
31,126
|
|
|
| Business activity in the period |
1,951
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(2,310)
|
|
|
| Final repayments |
(136)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
29,768
|
|
31,126
|
| Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
12,450
|
|
|
| Business activity in the period |
2,969
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(615)
|
|
|
| Final repayments |
(2,049)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
12,245
|
|
12,450
|
| Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
116,508
|
|
|
| Business activity in the period |
16,320
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
181
|
|
|
| Final repayments |
(15,888)
|
|
|
| Disposals |
(1)
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
115,899
|
|
116,508
|
| Stage 1 | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
412,255
|
|
|
| Closing balance |
398,675
|
|
412,255
|
| Stage 1 | Gross exposure | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
202,700
|
|
|
| Closing balance |
238,200
|
|
202,700
|
| Stage 1 | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Recoveries and reimbursements |
(4)
|
|
|
| Stage 1 | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(124)
|
|
|
| Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(38)
|
|
|
| Business activity in the period |
(6)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
26
|
|
|
| Final repayments |
2
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(37)
|
|
(38)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(1)
|
|
|
| Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(553)
|
|
|
| Business activity in the period |
(31)
|
|
|
| Refinements to models used for calculation |
(14)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
377
|
|
|
| Final repayments |
5
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(457)
|
|
(553)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(96)
|
|
|
| Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(138)
|
|
|
| Business activity in the period |
(23)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
54
|
|
|
| Final repayments |
12
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(103)
|
|
(138)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(35)
|
|
|
| Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(209)
|
|
|
| Business activity in the period |
(26)
|
|
|
| Refinements to models used for calculation |
8
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
33
|
|
|
| Final repayments |
14
|
|
|
| Disposals |
1
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(216)
|
|
(209)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
8
|
|
|
| Stage 1 | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(164)
|
|
|
| Closing balance |
(164)
|
|
(164)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Stage 1 | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(19)
|
|
|
| Closing balance |
(23)
|
|
(19)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
4
|
|
|
| Stage 1 | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(5,409)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2,065)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(757)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(3,210)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
59
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
12
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
17
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
6,592
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1,488
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
309
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2,156
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(21)
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(306)
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(20)
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(46)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(153)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(298)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(85)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(374)
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
12
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
79
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
12
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
23
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
207
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2)
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(6)
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1)
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(10)
|
|
|
| Stage 1 | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
305,836
|
|
|
| Closing balance |
309,960
|
|
305,836
|
| Stage 1 | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
146,652
|
|
|
| Closing balance |
152,824
|
|
146,652
|
| Stage 1 | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
30,573
|
|
|
| Closing balance |
29,311
|
|
30,573
|
| Stage 1 | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
12,312
|
|
|
| Closing balance |
12,142
|
|
12,312
|
| Stage 1 | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
116,299
|
|
|
| Closing balance |
115,683
|
|
116,299
|
| Stage 1 | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
64,976
|
|
|
| Closing balance |
69,240
|
|
64,976
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
306,774
|
|
|
| Closing balance |
310,773
|
|
306,774
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
146,690
|
|
|
| Closing balance |
152,861
|
|
146,690
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
31,126
|
|
|
| Closing balance |
29,768
|
|
31,126
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
12,450
|
|
|
| Closing balance |
12,245
|
|
12,450
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
116,508
|
|
|
| Closing balance |
115,899
|
|
116,508
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
64,988
|
|
|
| Closing balance |
69,252
|
|
64,988
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(938)
|
|
|
| Closing balance |
(813)
|
|
(938)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(38)
|
|
|
| Closing balance |
(37)
|
|
(38)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(553)
|
|
|
| Closing balance |
(457)
|
|
(553)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(138)
|
|
|
| Closing balance |
(103)
|
|
(138)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(209)
|
|
|
| Closing balance |
(216)
|
|
(209)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(12)
|
|
|
| Closing balance |
(12)
|
|
(12)
|
| Lifetime expected credit losses | Stage 2 | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
18,478
|
|
|
| Closing balance |
16,815
|
|
18,478
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
19,596
|
|
|
| Business activity in the period |
385
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(563)
|
|
|
| Final repayments |
(909)
|
|
|
| Disposals |
(1)
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
17,225
|
|
19,596
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
5,017
|
|
|
| Business activity in the period |
171
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(69)
|
|
|
| Final repayments |
(11)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
5,064
|
|
5,017
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,373
|
|
|
| Business activity in the period |
180
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(30)
|
|
|
| Final repayments |
(290)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
1,600
|
|
1,373
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
11,167
|
|
|
| Business activity in the period |
1,290
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(732)
|
|
|
| Final repayments |
(1,585)
|
|
|
| Disposals |
(2)
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
10,951
|
|
11,167
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
18,728
|
|
|
| Closing balance |
17,054
|
|
18,728
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,300
|
|
|
| Closing balance |
900
|
|
1,300
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Recoveries and reimbursements |
(20)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
12
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(62)
|
|
|
| Business activity in the period |
(2)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(21)
|
|
|
| Final repayments |
3
|
|
|
| Disposals |
1
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(59)
|
|
(62)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(2)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,247)
|
|
|
| Business activity in the period |
(38)
|
|
|
| Refinements to models used for calculation |
47
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(469)
|
|
|
| Final repayments |
2
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(1,192)
|
|
(1,247)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(55)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(111)
|
|
|
| Business activity in the period |
(19)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(54)
|
|
|
| Final repayments |
3
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(153)
|
|
(111)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
42
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(331)
|
|
|
| Business activity in the period |
(27)
|
|
|
| Refinements to models used for calculation |
6
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(86)
|
|
|
| Final repayments |
36
|
|
|
| Disposals |
2
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(356)
|
|
(331)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
27
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(250)
|
|
|
| Closing balance |
(239)
|
|
(250)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(11)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(7)
|
|
|
| Closing balance |
(4)
|
|
(7)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(3)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
1
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
5,409
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2,065
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
757
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3,210
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(59)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(12)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(17)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(6,592)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1,488)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(309)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2,156)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
21
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
306
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
20
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
46
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(255)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(636)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(84)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(461)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
4
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
272
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
22
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
25
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
155
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
15
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
220
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(6)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(10)
|
|
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
35,402
|
|
|
| Closing balance |
33,080
|
|
35,402
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
19,534
|
|
|
| Closing balance |
17,166
|
|
19,534
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,770
|
|
|
| Closing balance |
3,872
|
|
3,770
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,262
|
|
|
| Closing balance |
1,447
|
|
1,262
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
10,836
|
|
|
| Closing balance |
10,595
|
|
10,836
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,234
|
|
|
| Closing balance |
696
|
|
3,234
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
37,153
|
|
|
| Closing balance |
34,840
|
|
37,153
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
19,596
|
|
|
| Closing balance |
17,225
|
|
19,596
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
5,017
|
|
|
| Closing balance |
5,064
|
|
5,017
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,373
|
|
|
| Closing balance |
1,600
|
|
1,373
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
11,167
|
|
|
| Closing balance |
10,951
|
|
11,167
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,245
|
|
|
| Closing balance |
708
|
|
3,245
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,751)
|
|
|
| Closing balance |
(1,760)
|
|
(1,751)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(62)
|
|
|
| Closing balance |
(59)
|
|
(62)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,247)
|
|
|
| Closing balance |
(1,192)
|
|
(1,247)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(111)
|
|
|
| Closing balance |
(153)
|
|
(111)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(331)
|
|
|
| Closing balance |
(356)
|
|
(331)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(11)
|
|
|
| Closing balance |
(12)
|
|
(11)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,143
|
|
|
| Closing balance |
921
|
|
1,143
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,962
|
|
|
| Business activity in the period |
26
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(63)
|
|
|
| Final repayments |
(193)
|
|
|
| Disposals |
(9)
|
|
|
| Write-offs |
(13)
|
|
|
| Closing balance |
1,884
|
|
1,962
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,903
|
|
|
| Business activity in the period |
1
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(200)
|
|
|
| Final repayments |
(2)
|
|
|
| Disposals |
(245)
|
|
|
| Write-offs |
(516)
|
|
|
| Closing balance |
1,848
|
|
1,903
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
378
|
|
|
| Business activity in the period |
11
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
67
|
|
|
| Final repayments |
(119)
|
|
|
| Disposals |
(21)
|
|
|
| Write-offs |
(57)
|
|
|
| Closing balance |
402
|
|
378
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,116
|
|
|
| Business activity in the period |
373
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(370)
|
|
|
| Final repayments |
(260)
|
|
|
| Disposals |
(121)
|
|
|
| Write-offs |
(161)
|
|
|
| Closing balance |
2,985
|
|
3,116
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,168
|
|
|
| Closing balance |
943
|
|
1,168
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Recoveries and reimbursements |
(77)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
970
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(87)
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(23)
|
|
|
| Final repayments |
9
|
|
|
| Disposals |
5
|
|
|
| Write-offs |
13
|
|
|
| Closing balance |
(84)
|
|
(87)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
15
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,507)
|
|
|
| Business activity in the period |
(1)
|
|
|
| Refinements to models used for calculation |
(1)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(385)
|
|
|
| Final repayments |
1
|
|
|
| Disposals |
190
|
|
|
| Write-offs |
516
|
|
|
| Closing balance |
(1,459)
|
|
(1,507)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
658
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(161)
|
|
|
| Business activity in the period |
(4)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(98)
|
|
|
| Final repayments |
12
|
|
|
| Disposals |
15
|
|
|
| Write-offs |
57
|
|
|
| Closing balance |
(199)
|
|
(161)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
110
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(626)
|
|
|
| Business activity in the period |
(25)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(199)
|
|
|
| Final repayments |
44
|
|
|
| Disposals |
21
|
|
|
| Write-offs |
161
|
|
|
| Closing balance |
(631)
|
|
(626)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
187
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(25)
|
|
|
| Closing balance |
(22)
|
|
(25)
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(3)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
(7)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
408
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
934
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
169
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
835
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(4)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(284)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(23)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(27)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(234)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(27)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(26)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(427)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
12
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
20
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
4,978
|
|
|
| Closing balance |
4,746
|
|
4,978
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,875
|
|
|
| Closing balance |
1,800
|
|
1,875
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
396
|
|
|
| Closing balance |
389
|
|
396
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
217
|
|
|
| Closing balance |
203
|
|
217
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
2,490
|
|
|
| Closing balance |
2,354
|
|
2,490
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
7,359
|
|
|
| Closing balance |
7,119
|
|
7,359
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,962
|
|
|
| Closing balance |
1,884
|
|
1,962
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,903
|
|
|
| Closing balance |
1,848
|
|
1,903
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
378
|
|
|
| Closing balance |
402
|
|
378
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,116
|
|
|
| Closing balance |
2,985
|
|
3,116
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(2,381)
|
|
|
| Closing balance |
(2,373)
|
|
(2,381)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(87)
|
|
|
| Closing balance |
(84)
|
|
(87)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,507)
|
|
|
| Closing balance |
(1,459)
|
|
(1,507)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(161)
|
|
|
| Closing balance |
(199)
|
|
(161)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(626)
|
|
|
| Closing balance |
(631)
|
|
(626)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
6
|
|
|
| Closing balance |
5
|
|
6
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
40
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(12)
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
28
|
|
40
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
17
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(3)
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
14
|
|
17
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
6
|
|
|
| Closing balance |
5
|
|
6
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| Recoveries and reimbursements |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charge/(release) for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
57
|
|
|
| Closing balance |
42
|
|
57
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
40
|
|
|
| Closing balance |
28
|
|
40
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
17
|
|
|
| Closing balance |
14
|
|
17
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
57
|
|
|
| Closing balance |
42
|
|
57
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
40
|
|
|
| Closing balance |
28
|
|
40
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
17
|
|
|
| Closing balance |
14
|
|
17
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
£ 0
|
|
£ 0
|