Credit Risk - Disclosure of 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 |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
£ 11,435
|
| Net transfers between stages |
0
|
| Business activity in the period |
10,088
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(8,079)
|
| Limit management and final repayments |
(191)
|
| Ending balance |
13,253
|
| Gross exposure | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
165,114
|
| Net transfers between stages |
0
|
| Business activity in the period |
9,298
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(9,151)
|
| Limit management and final repayments |
(6,305)
|
| Disposals |
(5,430)
|
| Ending balance |
153,526
|
| Gross exposure | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
8,881
|
| Net transfers between stages |
0
|
| Business activity in the period |
370
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(147)
|
| Limit management and final repayments |
(601)
|
| Disposals |
(774)
|
| Ending balance |
7,729
|
| Gross exposure | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
246,727
|
| Net transfers between stages |
0
|
| Business activity in the period |
53,512
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(5,963)
|
| Limit management and final repayments |
(52,107)
|
| Ending balance |
242,169
|
| Impairment allowance | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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
|
| Impairment allowance | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(66)
|
| Net transfers between stages |
0
|
| Business activity in the period |
(13)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
2
|
| Limit management and final repayments |
10
|
| Disposals |
0
|
| Ending balance |
(67)
|
| Impairment allowance | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(6)
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 |
(3)
|
| Impairment allowance | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(367)
|
| Net transfers between stages |
0
|
| Business activity in the period |
(54)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
12
|
| Limit management and final repayments |
54
|
| Ending balance |
(355)
|
| Stage 1 | Gross exposure | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
11,093
|
| Net transfers between stages |
(22)
|
| Business activity in the period |
10,082
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(8,050)
|
| Limit management and final repayments |
(171)
|
| Ending balance |
12,932
|
| Stage 1 | Gross exposure | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
162,471
|
| Net transfers between stages |
(2,001)
|
| Business activity in the period |
9,162
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(7,840)
|
| Limit management and final repayments |
(6,172)
|
| Disposals |
(5,203)
|
| Ending balance |
150,417
|
| Stage 1 | Gross exposure | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
8,416
|
| Net transfers between stages |
(10)
|
| Business activity in the period |
364
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(126)
|
| Limit management and final repayments |
(573)
|
| Disposals |
(743)
|
| Ending balance |
7,328
|
| Stage 1 | Gross exposure | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
230,275
|
| Net transfers between stages |
(77)
|
| Business activity in the period |
52,278
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(4,520)
|
| Limit management and final repayments |
(49,958)
|
| Ending balance |
227,998
|
| Stage 1 | Impairment allowance | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 | Impairment allowance | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(53)
|
| Net transfers between stages |
(10)
|
| Business activity in the period |
(11)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
16
|
| Limit management and final repayments |
5
|
| Disposals |
0
|
| Ending balance |
(53)
|
| Stage 1 | Impairment allowance | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(6)
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 |
(3)
|
| Stage 1 | Impairment allowance | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(105)
|
| Net transfers between stages |
(23)
|
| Business activity in the period |
(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 |
108
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
340
|
| Net transfers between stages |
20
|
| Business activity in the period |
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(27)
|
| Limit management and final repayments |
(19)
|
| Ending balance |
314
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
2,515
|
| Net transfers between stages |
1,977
|
| Business activity in the period |
136
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(1,284)
|
| Limit management and final repayments |
(122)
|
| Disposals |
(217)
|
| Ending balance |
3,005
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
440
|
| Net transfers between stages |
10
|
| Business activity in the period |
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(14)
|
| Limit management and final repayments |
(25)
|
| Disposals |
(30)
|
| Ending balance |
381
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
15,433
|
| Net transfers between stages |
(77)
|
| Business activity in the period |
1,166
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(1,182)
|
| Limit management and final repayments |
(1,986)
|
| Ending balance |
13,354
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 | Impairment allowance | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(13)
|
| Net transfers between stages |
10
|
| Business activity in the period |
(2)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(14)
|
| Limit management and final repayments |
5
|
| Disposals |
0
|
| Ending balance |
(14)
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 | Impairment allowance | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(237)
|
| Net transfers between stages |
22
|
| Business activity in the period |
(31)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(17)
|
| Limit management and final repayments |
38
|
| Ending balance |
(225)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
2
|
| Net transfers between stages |
2
|
| Business activity in the period |
6
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(2)
|
| Limit management and final repayments |
(1)
|
| Ending balance |
7
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
122
|
| Net transfers between stages |
24
|
| Business activity in the period |
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(26)
|
| Limit management and final repayments |
(11)
|
| Disposals |
(10)
|
| Ending balance |
99
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
25
|
| Net transfers between stages |
0
|
| Business activity in the period |
6
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(7)
|
| Limit management and final repayments |
(3)
|
| Disposals |
(1)
|
| Ending balance |
20
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
1,019
|
| Net transfers between stages |
154
|
| Business activity in the period |
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 |
817
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 excluding POCI | Impairment allowance | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 excluding POCI | Impairment allowance | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 excluding POCI | Impairment allowance | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
(25)
|
| Net transfers between stages |
1
|
| Business activity in the period |
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 |
(22)
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 POCI | Gross exposure | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
6
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 |
5
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 POCI | Gross exposure | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 POCI | Impairment allowance | Retail mortgages |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 POCI | Impairment allowance | Retail credit cards |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 POCI | Impairment allowance | Retail other |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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 POCI | Impairment allowance | Corporate loans |
|
| Loan commitments and financial guarantees |
|
| Opening balance |
0
|
| Net transfers between stages |
0
|
| Business activity in the period |
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
|