v3.26.1
Credit risk - Provisions for loan commitment and financial guarantees (Details) - ECL movement on loan commitments and other financial guarantees
£ in Millions
 6 Months Ended
Jun. 30, 2026
GBP (£)
Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance £ 10
Net transfers between stages 0
Business activity in the year 1
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 4
Limit management and final repayments (3)
Ending balance 12
Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 113,785
Net transfers between stages 0
Business activity in the year 6,049
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 1,712
Limit management and final repayments (4,686)
Disposals (23,657)
Ending balance 93,203
Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 3,445
Net transfers between stages 0
Business activity in the year 449
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 331
Limit management and final repayments (595)
Ending balance 3,630
Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 242,584
Net transfers between stages 0
Business activity in the year 34,026
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 11,835
Limit management and final repayments (34,059)
Disposals (151)
Ending balance 254,235
Impairment allowance | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Impairment allowance | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (37)
Net transfers between stages 0
Business activity in the year (6)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (5)
Limit management and final repayments 5
Disposals 0
Ending balance (43)
Impairment allowance | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (1)
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance (1)
Impairment allowance | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (360)
Net transfers between stages 0
Business activity in the year (42)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (11)
Limit management and final repayments 47
Disposals 0
Ending balance (366)
Stage 1 | Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 10
Net transfers between stages 0
Business activity in the year 1
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 4
Limit management and final repayments (3)
Ending balance 12
Stage 1 | Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 112,879
Net transfers between stages (1,033)
Business activity in the year 6,021
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 2,580
Limit management and final repayments (4,635)
Disposals (23,511)
Ending balance 92,301
Stage 1 | Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 3,317
Net transfers between stages 24
Business activity in the year 449
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 329
Limit management and final repayments (591)
Ending balance 3,528
Stage 1 | Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 228,619
Net transfers between stages (582)
Business activity in the year 33,302
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 11,926
Limit management and final repayments (32,458)
Disposals (86)
Ending balance 240,721
Stage 1 | Impairment allowance | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Stage 1 | Impairment allowance | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (26)
Net transfers between stages (5)
Business activity in the year (5)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 3
Disposals 0
Ending balance (33)
Stage 1 | Impairment allowance | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (1)
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance (1)
Stage 1 | Impairment allowance | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (104)
Net transfers between stages (4)
Business activity in the year (15)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 3
Limit management and final repayments 13
Disposals 0
Ending balance (107)
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 906
Net transfers between stages 1,033
Business activity in the year 28
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (868)
Limit management and final repayments (51)
Disposals (146)
Ending balance 902
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 116
Net transfers between stages (33)
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 5
Limit management and final repayments (4)
Ending balance 84
Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 13,296
Net transfers between stages 507
Business activity in the year 719
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (130)
Limit management and final repayments (1,512)
Disposals (65)
Ending balance 12,815
Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (11)
Net transfers between stages 5
Business activity in the year (1)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (5)
Limit management and final repayments 2
Disposals 0
Ending balance (10)
Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | Impairment allowance | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (223)
Net transfers between stages 4
Business activity in the year (27)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (8)
Limit management and final repayments 33
Disposals 0
Ending balance (221)
Lifetime expected credit losses | Stage 3 | Gross exposure | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | Gross exposure | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | Gross exposure | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 12
Net transfers between stages 9
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (3)
Limit management and final repayments 0
Ending balance 18
Lifetime expected credit losses | Stage 3 | Gross exposure | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 669
Net transfers between stages 75
Business activity in the year 5
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 39
Limit management and final repayments (89)
Disposals 0
Ending balance 699
Lifetime expected credit losses | Stage 3 | Impairment allowance | Retail mortgages  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | Impairment allowance | Retail credit cards  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | Impairment allowance | Retail other  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 | Impairment allowance | Corporate loans  
Increase (decrease) in exposure to credit risk on loan commitments and financial guarantee contracts [abstract]  
Opening balance (33)
Net transfers between stages
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (6)
Limit management and final repayments 1
Disposals 0
Ending balance £ (38)