Credit risk - Movement in gross exposures and impairment allowance (Details) - GBP (£)
£ in Millions |
6 Months Ended |
Jun. 30, 2026 |
Jun. 30, 2025 |
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Total income statement charges for the period |
£ 1,057
|
£ 875
|
| Financial guarantee contracts |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Recoveries and reimbursements |
(38)
|
(52)
|
| Total loans and advances at amortised cost | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
150,786
|
|
| Write-offs |
(792)
|
(577)
|
| Ending balance |
156,430
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Post write-off recoveries |
44
|
21
|
| Net write-offs |
748
|
£ 556
|
| Total loans and advances at amortised cost | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
138,340
|
|
| Ending balance |
143,369
|
|
| Total loans and advances at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
10,057
|
|
| Ending balance |
10,526
|
|
| Total loans and advances at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
2,389
|
|
| Ending balance |
2,535
|
|
| Retail mortgages | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,952
|
|
| Ending balance |
4,837
|
|
| Retail mortgages | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,665
|
|
| Ending balance |
4,358
|
|
| Retail mortgages | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
136
|
|
| Ending balance |
278
|
|
| Retail mortgages | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
151
|
|
| Ending balance |
201
|
|
| Retail credit cards | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
20,527
|
|
| Ending balance |
20,988
|
|
| Retail credit cards | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
18,406
|
|
| Ending balance |
18,629
|
|
| Retail credit cards | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
1,740
|
|
| Ending balance |
1,995
|
|
| Retail credit cards | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
381
|
|
| Ending balance |
364
|
|
| Retail other | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,128
|
|
| Ending balance |
4,557
|
|
| Retail other | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
3,781
|
|
| Ending balance |
3,904
|
|
| Retail other | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
260
|
|
| Ending balance |
504
|
|
| Retail other | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
87
|
|
| Ending balance |
149
|
|
| Corporate loans | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
121,179
|
|
| Ending balance |
126,048
|
|
| Corporate loans | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
111,488
|
|
| Ending balance |
116,478
|
|
| Corporate loans | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
7,921
|
|
| Ending balance |
7,749
|
|
| Corporate loans | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
1,770
|
|
| Ending balance |
1,821
|
|
| ECL movement on debt securities at amortised cost | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
55,153
|
|
| Ending balance |
56,579
|
|
| ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
54,791
|
|
| Ending balance |
55,412
|
|
| ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
362
|
|
| Ending balance |
1,167
|
|
| ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
0
|
|
| Ending balance |
0
|
|
| Gross exposure | Total loans and advances at amortised cost | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
154,403
|
|
| Ending balance |
160,234
|
|
| Gross exposure | Total loans and advances at amortised cost | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
138,892
|
|
| Ending balance |
143,941
|
|
| Gross exposure | Total loans and advances at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
11,093
|
|
| Ending balance |
11,557
|
|
| Gross exposure | Total loans and advances at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,418
|
|
| Ending balance |
4,736
|
|
| Gross exposure | Retail mortgages |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,985
|
|
| Business activity in the period |
286
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
45
|
|
| Final repayments |
(442)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
4,874
|
|
| Gross exposure | Retail mortgages | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,674
|
|
| Business activity in the period |
286
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
41
|
|
| Final repayments |
(403)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
4,366
|
|
| Gross exposure | Retail mortgages | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
136
|
|
| 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 |
1
|
|
| Final repayments |
(13)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
279
|
|
| Gross exposure | Retail mortgages | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
175
|
|
| 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 |
(26)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
229
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(252)
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
252
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
95
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(95)
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail mortgages | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail mortgages | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(76)
|
|
| Gross exposure | Retail mortgages | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(9)
|
|
| Gross exposure | Retail mortgages | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
85
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
1
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
7
|
|
| Gross exposure | Retail mortgages | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(8)
|
|
| Gross exposure | Retail mortgages | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,985
|
|
| Ending balance |
4,874
|
|
| Gross exposure | Retail mortgages | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,674
|
|
| Ending balance |
4,366
|
|
| Gross exposure | Retail mortgages | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
136
|
|
| Ending balance |
279
|
|
| Gross exposure | Retail mortgages | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
175
|
|
| Ending balance |
229
|
|
| Gross exposure | Retail credit cards |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
23,113
|
|
| Business activity in the period |
908
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
368
|
|
| Final repayments |
(118)
|
|
| Disposals |
(158)
|
|
| Write-offs |
(478)
|
|
| Ending balance |
23,635
|
|
| Gross exposure | Retail credit cards | Best Egg Inc |
|
|
| Loans and advances at amortised cost |
|
|
| Business activity in the period |
101
|
|
| Gross exposure | Retail credit cards | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
18,801
|
|
| Business activity in the period |
859
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
76
|
|
| Final repayments |
(52)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
19,041
|
|
| Gross exposure | Retail credit cards | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
2,536
|
|
| Business activity in the period |
47
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
334
|
|
| Final repayments |
(13)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
2,780
|
|
| Gross exposure | Retail credit cards | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
1,776
|
|
| Business activity in the period |
2
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(42)
|
|
| Final repayments |
(53)
|
|
| Disposals |
(158)
|
|
| Write-offs |
(478)
|
|
| Ending balance |
1,814
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(1,284)
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
1,284
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
881
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(881)
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail credit cards | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail credit cards | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(247)
|
|
| Gross exposure | Retail credit cards | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(531)
|
|
| Gross exposure | Retail credit cards | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
778
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
7
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
4
|
|
| Gross exposure | Retail credit cards | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(11)
|
|
| Gross exposure | Retail credit cards | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
23,113
|
|
| Disposals |
(158)
|
|
| Ending balance |
23,635
|
|
| Gross exposure | Retail credit cards | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
18,801
|
|
| Ending balance |
19,041
|
|
| Gross exposure | Retail credit cards | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
2,536
|
|
| Ending balance |
2,780
|
|
| Gross exposure | Retail credit cards | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
1,776
|
|
| Ending balance |
1,814
|
|
| Gross exposure | Retail other |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,160
|
|
| Business activity in the period |
885
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
943
|
|
| Final repayments |
(1,394)
|
|
| Disposals |
0
|
|
| Write-offs |
(5)
|
|
| Ending balance |
4,589
|
|
| Gross exposure | Retail other | Best Egg Inc |
|
|
| Loans and advances at amortised cost |
|
|
| Business activity in the period |
122
|
|
| Gross exposure | Retail other | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
3,788
|
|
| Business activity in the period |
864
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
595
|
|
| Final repayments |
(1,059)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
3,912
|
|
| Gross exposure | Retail other | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
265
|
|
| Business activity in the period |
20
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
307
|
|
| Final repayments |
(258)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
510
|
|
| Gross exposure | Retail other | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
107
|
|
| 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 |
41
|
|
| Final repayments |
(77)
|
|
| Disposals |
0
|
|
| Write-offs |
(5)
|
|
| Ending balance |
167
|
|
| Gross exposure | Retail other | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(273)
|
|
| Gross exposure | Retail other | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
273
|
|
| Gross exposure | Retail other | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
63
|
|
| Gross exposure | Retail other | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(63)
|
|
| Gross exposure | Retail other | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(66)
|
|
| Gross exposure | Retail other | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(40)
|
|
| Gross exposure | Retail other | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
106
|
|
| Gross exposure | Retail other | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Retail other | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
6
|
|
| Gross exposure | Retail other | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(6)
|
|
| Gross exposure | Retail other | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
4,160
|
|
| Ending balance |
4,589
|
|
| Gross exposure | Retail other | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
3,788
|
|
| Ending balance |
3,912
|
|
| Gross exposure | Retail other | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
265
|
|
| Ending balance |
510
|
|
| Gross exposure | Retail other | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
107
|
|
| Ending balance |
167
|
|
| Gross exposure | Corporate loans |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
122,145
|
|
| Business activity in the period |
20,535
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
2,434
|
|
| Final repayments |
(17,654)
|
|
| Disposals |
(15)
|
|
| Write-offs |
(309)
|
|
| Ending balance |
127,136
|
|
| Gross exposure | Corporate loans | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
111,629
|
|
| Business activity in the period |
20,368
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
2,132
|
|
| Final repayments |
(16,779)
|
|
| Disposals |
(15)
|
|
| Write-offs |
0
|
|
| Ending balance |
116,622
|
|
| Gross exposure | Corporate loans | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
8,156
|
|
| Business activity in the period |
158
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
486
|
|
| Final repayments |
(829)
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
7,988
|
|
| Gross exposure | Corporate loans | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
2,360
|
|
| Business activity in the period |
9
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(184)
|
|
| Final repayments |
(46)
|
|
| Disposals |
0
|
|
| Write-offs |
(309)
|
|
| Ending balance |
2,526
|
|
| Gross exposure | Corporate loans | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Corporate loans | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(1,827)
|
|
| Gross exposure | Corporate loans | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
1,827
|
|
| Gross exposure | Corporate loans | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Corporate loans | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Corporate loans | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
1,647
|
|
| Gross exposure | Corporate loans | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(1,647)
|
|
| Gross exposure | Corporate loans | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Corporate loans | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Corporate loans | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(617)
|
|
| Gross exposure | Corporate loans | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(186)
|
|
| Gross exposure | Corporate loans | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
803
|
|
| Gross exposure | Corporate loans | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Gross exposure | Corporate loans | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
84
|
|
| Gross exposure | Corporate loans | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
23
|
|
| Gross exposure | Corporate loans | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(107)
|
|
| Gross exposure | Corporate loans | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
122,145
|
|
| Disposals |
(15)
|
|
| Ending balance |
127,136
|
|
| Gross exposure | Corporate loans | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
111,629
|
|
| Ending balance |
116,622
|
|
| Gross exposure | Corporate loans | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
8,156
|
|
| Ending balance |
7,988
|
|
| Gross exposure | Corporate loans | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
2,360
|
|
| Ending balance |
2,526
|
|
| Gross exposure | ECL movement on other financial assets |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
186,100
|
|
| Ending balance |
246,100
|
|
| Gross exposure | ECL movement on other financial assets | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
184,400
|
|
| Ending balance |
245,200
|
|
| Gross exposure | ECL movement on other financial assets | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
1,600
|
|
| Ending balance |
800
|
|
| Gross exposure | ECL movement on other financial assets | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
123
|
|
| Ending balance |
124
|
|
| Gross exposure | ECL movement on debt securities at amortised cost | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
55,172
|
|
| Ending balance |
56,595
|
|
| Gross exposure | ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
54,801
|
|
| Ending balance |
55,419
|
|
| Gross exposure | ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
371
|
|
| Ending balance |
1,176
|
|
| Gross exposure | ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
0
|
|
| Ending balance |
0
|
|
| Impairment allowance |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Recoveries and reimbursements |
(82)
|
|
| ECL charge on assets held for sale |
50
|
|
| Total exchange and other adjustments |
(36)
|
|
| Impairment allowance | Stage 1 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Recoveries and reimbursements |
(12)
|
|
| Impairment allowance | Lifetime expected credit losses | Stage 2 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Recoveries and reimbursements |
(8)
|
|
| Impairment allowance | Lifetime expected credit losses | Stage 3 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| Recoveries and reimbursements |
(62)
|
|
| Impairment allowance | Total loans and advances at amortised cost |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
1,114
|
|
| Impairment allowance | Total loans and advances at amortised cost | Stage 1 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
21
|
|
| Impairment allowance | Total loans and advances at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(5)
|
|
| Impairment allowance | Total loans and advances at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
1,098
|
|
| Impairment allowance | Total loans and advances at amortised cost | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(3,617)
|
|
| Ending balance |
(3,804)
|
|
| Impairment allowance | Total loans and advances at amortised cost | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(552)
|
|
| Ending balance |
(572)
|
|
| Impairment allowance | Total loans and advances at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(1,036)
|
|
| Ending balance |
(1,031)
|
|
| Impairment allowance | Total loans and advances at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(2,029)
|
|
| Ending balance |
(2,201)
|
|
| Impairment allowance | Retail mortgages |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(33)
|
|
| 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 |
(5)
|
|
| Final repayments |
1
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(37)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
4
|
|
| Impairment allowance | Retail mortgages | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(9)
|
|
| Business activity in the period |
(1)
|
|
| Refinements to models used for calculation |
2
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
| Final repayments |
0
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(8)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(1)
|
|
| Impairment allowance | Retail mortgages | Lifetime expected credit losses | Stage 2 |
|
|
| 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 |
(1)
|
|
| Final repayments |
0
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(1)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
1
|
|
| Impairment allowance | Retail mortgages | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(24)
|
|
| Business activity in the period |
0
|
|
| Refinements to models used for calculation |
(1)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(4)
|
|
| Final repayments |
1
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(28)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
4
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail mortgages | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(33)
|
|
| Ending balance |
(37)
|
|
| Impairment allowance | Retail mortgages | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(9)
|
|
| Ending balance |
(8)
|
|
| Impairment allowance | Retail mortgages | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
0
|
|
| Ending balance |
(1)
|
|
| Impairment allowance | Retail mortgages | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(24)
|
|
| Ending balance |
(28)
|
|
| Impairment allowance | Retail credit cards |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(2,586)
|
|
| Business activity in the period |
(56)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(670)
|
|
| Final repayments |
53
|
|
| Disposals |
134
|
|
| Write-offs |
478
|
|
| Ending balance |
(2,647)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
673
|
|
| Impairment allowance | Retail credit cards | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(395)
|
|
| Business activity in the period |
(41)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
200
|
|
| Final repayments |
4
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(412)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
17
|
|
| Impairment allowance | Retail credit cards | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(796)
|
|
| Business activity in the period |
(14)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(431)
|
|
| Final repayments |
5
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(785)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(11)
|
|
| Impairment allowance | Retail credit cards | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(1,395)
|
|
| Business activity in the period |
(1)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(439)
|
|
| Final repayments |
44
|
|
| Disposals |
134
|
|
| Write-offs |
478
|
|
| Ending balance |
(1,450)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
667
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
45
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(45)
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(231)
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
231
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail credit cards | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail credit cards | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
12
|
|
| Impairment allowance | Retail credit cards | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
267
|
|
| Impairment allowance | Retail credit cards | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(279)
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(6)
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(2)
|
|
| Impairment allowance | Retail credit cards | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
8
|
|
| Impairment allowance | Retail credit cards | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(2,586)
|
|
| Ending balance |
(2,647)
|
|
| Impairment allowance | Retail credit cards | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(395)
|
|
| Ending balance |
(412)
|
|
| Impairment allowance | Retail credit cards | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(796)
|
|
| Ending balance |
(785)
|
|
| Impairment allowance | Retail credit cards | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(1,395)
|
|
| Ending balance |
(1,450)
|
|
| Impairment allowance | Retail other |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(32)
|
|
| Business activity in the period |
(2)
|
|
| Refinements to models used for calculation |
2
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(8)
|
|
| Final repayments |
3
|
|
| Disposals |
0
|
|
| Write-offs |
5
|
|
| Ending balance |
(32)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
5
|
|
| Impairment allowance | Retail other | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(7)
|
|
| Business activity in the period |
(2)
|
|
| Refinements to models used for calculation |
2
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(4)
|
|
| Final repayments |
3
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(8)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
1
|
|
| Impairment allowance | Retail other | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(5)
|
|
| 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 |
(1)
|
|
| Final repayments |
0
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(6)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
1
|
|
| Impairment allowance | Retail other | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(20)
|
|
| 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 |
5
|
|
| Ending balance |
(18)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
3
|
|
| Impairment allowance | Retail other | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Retail other | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(32)
|
|
| Ending balance |
(32)
|
|
| Impairment allowance | Retail other | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(7)
|
|
| Ending balance |
(8)
|
|
| Impairment allowance | Retail other | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(5)
|
|
| Ending balance |
(6)
|
|
| Impairment allowance | Retail other | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(20)
|
|
| Ending balance |
(18)
|
|
| Impairment allowance | Corporate loans |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(966)
|
|
| Business activity in the period |
(37)
|
|
| Refinements to models used for calculation |
0
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(436)
|
|
| Final repayments |
41
|
|
| Disposals |
1
|
|
| Write-offs |
309
|
|
| Ending balance |
(1,088)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
432
|
|
| Impairment allowance | Corporate loans | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(141)
|
|
| Business activity in the period |
(19)
|
|
| Refinements to models used for calculation |
2
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
13
|
|
| Final repayments |
14
|
|
| Disposals |
1
|
|
| Write-offs |
0
|
|
| Ending balance |
(144)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
4
|
|
| Impairment allowance | Corporate loans | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(235)
|
|
| Business activity in the period |
(10)
|
|
| Refinements to models used for calculation |
(1)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(43)
|
|
| Final repayments |
24
|
|
| Disposals |
0
|
|
| Write-offs |
0
|
|
| Ending balance |
(239)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
4
|
|
| Impairment allowance | Corporate loans | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(590)
|
|
| Business activity in the period |
(8)
|
|
| Refinements to models used for calculation |
(1)
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(406)
|
|
| Final repayments |
3
|
|
| Disposals |
0
|
|
| Write-offs |
309
|
|
| Ending balance |
(705)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
424
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 1 to Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 1 to Stage 2 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
8
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(8)
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 1 to Stage 2 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 2 to Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 2 to Stage 1 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(21)
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
21
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 2 to Stage 1 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers to Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers to Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers to Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
17
|
|
| Impairment allowance | Corporate loans | Transfers to Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(17)
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
0
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 3 | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(1)
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 3 | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
(4)
|
|
| Impairment allowance | Corporate loans | Transfers from Stage 3 | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Transfers |
5
|
|
| Impairment allowance | Corporate loans | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(966)
|
|
| Ending balance |
(1,088)
|
|
| Impairment allowance | Corporate loans | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(141)
|
|
| Ending balance |
(144)
|
|
| Impairment allowance | Corporate loans | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(235)
|
|
| Ending balance |
(239)
|
|
| Impairment allowance | Corporate loans | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(590)
|
|
| Ending balance |
(705)
|
|
| Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
12
|
|
| Impairment allowance | ECL movement on loan commitments and other financial guarantees | Stage 1 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
10
|
|
| Impairment allowance | ECL movement on loan commitments and other financial guarantees | Lifetime expected credit losses | Stage 2 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(3)
|
|
| Impairment allowance | ECL movement on loan commitments and other financial guarantees | Lifetime expected credit losses | Stage 3 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
5
|
|
| Impairment allowance | ECL movement on other financial assets |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(145)
|
|
| Ending balance |
(147)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
2
|
|
| Impairment allowance | ECL movement on other financial assets | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(17)
|
|
| Ending balance |
(16)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(1)
|
|
| Impairment allowance | ECL movement on other financial assets | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(8)
|
|
| Ending balance |
(10)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
2
|
|
| Impairment allowance | ECL movement on other financial assets | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(120)
|
|
| Ending balance |
(121)
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
1
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(3)
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Stage 1 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
(3)
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
0
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
| ECL movement |
0
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Financial assets at amortised cost |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(19)
|
|
| Ending balance |
(16)
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Stage 1 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(10)
|
|
| Ending balance |
(7)
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 2 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
(9)
|
|
| Ending balance |
(9)
|
|
| Impairment allowance | ECL movement on debt securities at amortised cost | Financial assets at amortised cost | Lifetime expected credit losses | Stage 3 |
|
|
| Loans and advances at amortised cost |
|
|
| Opening balance |
0
|
|
| Ending balance |
£ 0
|
|