v3.25.2
Report of directors financial review risk report - Stage 2 days past due analysis (Details) - GBP (£)
£ in Millions
Jun. 30, 2025
Dec. 31, 2024
Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 78,881 £ 82,666
Loans and advances to banks at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 15,803 £ 14,521
Financial assets at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.10% 0.20%
Financial assets at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 487,895 £ 460,163
Financial assets at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (729) £ (925)
Financial assets at amortised cost | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.80% 1.00%
Financial assets at amortised cost | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 79,551 £ 83,524
Financial assets at amortised cost | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (670) £ (858)
Financial assets at amortised cost | Loans and advances to banks at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Loans and advances to banks at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 15,806 £ 14,524
Financial assets at amortised cost | Loans and advances to banks at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (3) £ (3)
Financial assets at amortised cost | Other financial assets measured at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Other financial assets measured at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 244,062 £ 237,475
Financial assets at amortised cost | Other financial assets measured at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (6) £ (6)
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 1.50% 1.30%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 8,082 £ 10,553
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (120) £ (133)
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 2.00% 1.90%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 2.20% 3.70%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 2.60% 2.10%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 5,051 £ 5,546
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 45 81
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 38 48
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (103) (107)
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Allowance for ECL | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (1) (3)
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Allowance for ECL | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (1) £ (1)
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 1.90% 1.50%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 53 £ 67
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | Gross carrying/ nominal amount | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | Gross carrying/ nominal amount | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (1) (1)
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | Allowance for ECL | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Loans and advances to banks at amortised cost | Allowance for ECL | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 0 £ 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 48 £ 59
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | Gross carrying/ nominal amount | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | Gross carrying/ nominal amount | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | Allowance for ECL | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | Non-credit impaired | Lifetime expected credit losses | Other financial assets measured at amortised cost | Allowance for ECL | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 0 £ 0
Financial assets at amortised cost | – personal | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.80% 0.60%
Financial assets at amortised cost | – personal | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 14,462 £ 19,947
Financial assets at amortised cost | – personal | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (113) £ (112)
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 1.80% 2.00%
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 2.30% 4.10%
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 9.10% 5.30%
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 766 £ 955
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 43 74
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 11 19
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (14) (19)
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (1) (3)
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (1) £ (1)
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 1.80% 2.00%
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 766 £ 955
Financial assets at amortised cost | – personal | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (14) £ (19)
Financial assets at amortised cost | – corporate and commercial | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 1.10% 1.20%
Financial assets at amortised cost | – corporate and commercial | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 46,846 £ 47,427
Financial assets at amortised cost | – corporate and commercial | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (518) £ (592)
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 2.30% 1.90%
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 3,703 £ 4,375
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 2 6
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 25 28
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (84) (85)
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 0 £ 0
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 2.30% 1.90%
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 3,703 £ 4,375
Financial assets at amortised cost | – corporate and commercial | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (84) £ (85)
Financial assets at amortised cost | – non-bank financial institutions | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.20% 1.00%
Financial assets at amortised cost | – non-bank financial institutions | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 18,243 £ 16,150
Financial assets at amortised cost | – non-bank financial institutions | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (39) £ (154)
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.90% 1.40%
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.00% 0.00%
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 582 £ 216
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 1
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Gross carrying/ nominal amount | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 2 1
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets (5) (3)
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL | 1 to 29 DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets 0 0
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Allowance for ECL | 30 and > DPD    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 0 £ 0
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost    
Disclosure of financial assets that are either past due or impaired [line items]    
ECL coverage % 0.90% 1.40%
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Gross carrying/ nominal amount    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ 582 £ 216
Financial assets at amortised cost | – non-bank financial institutions | Non-credit impaired | Lifetime expected credit losses | Loans and advances to customers at amortised cost | Allowance for ECL    
Disclosure of financial assets that are either past due or impaired [line items]    
Financial assets £ (5) £ (3)