Credit Risk - Disclosure of movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees (Details) - GBP (£)
£ in Millions |
6 Months Ended |
12 Months Ended |
Jun. 30, 2026 |
Jun. 30, 2025 |
Dec. 31, 2025 |
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Total income statement charges for the period |
£ 1,394
|
£ 1,112
|
£ 2,279
|
| Financial guarantee contracts |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Recoveries and reimbursements |
(42)
|
(58)
|
|
| ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
427,367
|
|
|
| Closing balance |
423,762
|
|
427,367
|
| Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
177,450
|
|
|
| Business activity in the period |
17,704
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(4,168)
|
|
|
| Final repayments |
(8,355)
|
|
|
| Disposals |
(957)
|
|
|
| Write-offs |
(5)
|
|
|
| Closing balance |
181,669
|
|
177,450
|
| Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
40,281
|
|
|
| Business activity in the period |
2,330
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(437)
|
|
|
| Final repayments |
(206)
|
|
|
| Disposals |
(250)
|
|
|
| Write-offs |
(615)
|
|
|
| Closing balance |
41,103
|
|
40,281
|
| Gross exposure | Retail credit cards | Best Egg Inc |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Business activity in the period |
101
|
|
|
| Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
14,431
|
|
|
| Business activity in the period |
3,347
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(665)
|
|
|
| Final repayments |
(2,219)
|
|
|
| Disposals |
(21)
|
|
|
| Write-offs |
(102)
|
|
|
| Closing balance |
14,771
|
|
14,431
|
| Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
134,650
|
|
|
| Business activity in the period |
21,624
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
1,551
|
|
|
| Final repayments |
(18,162)
|
|
|
| Disposals |
(55)
|
|
|
| Write-offs |
(334)
|
|
|
| Closing balance |
139,274
|
|
134,650
|
| Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
427,783
|
|
|
| Closing balance |
424,195
|
|
427,783
|
| Gross exposure | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
224,100
|
|
|
| Closing balance |
286,400
|
|
224,100
|
| Impairment allowance |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(5,727)
|
|
|
| Closing balance |
(5,969)
|
|
(5,727)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Recoveries and reimbursements |
(108)
|
|
|
| ECL charge on assets held for sale |
50
|
|
|
| Total exchange and other adjustments |
(61)
|
|
|
| Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
1,497
|
|
|
| Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(117)
|
|
|
| Business activity in the period |
(3)
|
|
|
| Refinements to models used for calculation |
1
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(25)
|
|
|
| Final repayments |
9
|
|
|
| Disposals |
3
|
|
|
| Write-offs |
5
|
|
|
| Closing balance |
(127)
|
|
(117)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
18
|
|
|
| Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(3,329)
|
|
|
| Business activity in the period |
(103)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(878)
|
|
|
| Final repayments |
65
|
|
|
| Disposals |
194
|
|
|
| Write-offs |
615
|
|
|
| Closing balance |
(3,436)
|
|
(3,329)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
916
|
|
|
| Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(517)
|
|
|
| Business activity in the period |
(58)
|
|
|
| Refinements to models used for calculation |
2
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(107)
|
|
|
| Final repayments |
26
|
|
|
| Disposals |
16
|
|
|
| Write-offs |
102
|
|
|
| Closing balance |
(536)
|
|
(517)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
137
|
|
|
| Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,326)
|
|
|
| Business activity in the period |
(45)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(433)
|
|
|
| Final repayments |
52
|
|
|
| Disposals |
1
|
|
|
| Write-offs |
334
|
|
|
| Closing balance |
(1,417)
|
|
(1,326)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
426
|
|
|
| Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(416)
|
|
|
| Closing balance |
(433)
|
|
(416)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
17
|
|
|
| Impairment allowance | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(150)
|
|
|
| Closing balance |
(151)
|
|
(150)
|
| 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 |
(2)
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
361,523
|
|
|
| Write-offs |
(1,056)
|
(747)
|
|
| Closing balance |
371,301
|
|
361,523
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Post write-off recoveries |
66
|
43
|
|
| Net write-offs |
990
|
£ 704
|
|
| Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
177,333
|
|
|
| Closing balance |
181,542
|
|
177,333
|
| Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
36,952
|
|
|
| Closing balance |
37,667
|
|
36,952
|
| Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
13,914
|
|
|
| Closing balance |
14,235
|
|
13,914
|
| Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
133,324
|
|
|
| Closing balance |
137,857
|
|
133,324
|
| Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
68,475
|
|
|
| Closing balance |
73,519
|
|
68,475
|
| Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
366,812
|
|
|
| Closing balance |
376,817
|
|
366,812
|
| Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
177,450
|
|
|
| Disposals |
(957)
|
|
|
| Closing balance |
181,669
|
|
177,450
|
| Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
40,281
|
|
|
| Disposals |
(250)
|
|
|
| Closing balance |
41,103
|
|
40,281
|
| Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
14,431
|
|
|
| Disposals |
(21)
|
|
|
| Closing balance |
14,771
|
|
14,431
|
| Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
134,650
|
|
|
| Disposals |
(55)
|
|
|
| Closing balance |
139,274
|
|
134,650
|
| Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
68,497
|
|
|
| Closing balance |
73,539
|
|
68,497
|
| Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(5,289)
|
|
|
| Closing balance |
(5,516)
|
|
(5,289)
|
| Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(117)
|
|
|
| Closing balance |
(127)
|
|
(117)
|
| Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(3,329)
|
|
|
| Closing balance |
(3,436)
|
|
(3,329)
|
| Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(517)
|
|
|
| Closing balance |
(536)
|
|
(517)
|
| Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,326)
|
|
|
| Closing balance |
(1,417)
|
|
(1,326)
|
| Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(22)
|
|
|
| Closing balance |
(20)
|
|
(22)
|
| Retail other | Gross exposure | Best Egg Inc |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Business activity in the period |
122
|
|
|
| Stage 1 | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
410,349
|
|
|
| Closing balance |
407,044
|
|
410,349
|
| Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
161,654
|
|
|
| Business activity in the period |
17,491
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(3,815)
|
|
|
| Final repayments |
(7,385)
|
|
|
| Disposals |
(379)
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
165,632
|
|
161,654
|
| Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
33,723
|
|
|
| Business activity in the period |
2,163
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(708)
|
|
|
| Final repayments |
(105)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
34,108
|
|
33,723
|
| Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
12,349
|
|
|
| Business activity in the period |
3,101
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(845)
|
|
|
| Final repayments |
(1,806)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
12,297
|
|
12,349
|
| Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
120,853
|
|
|
| Business activity in the period |
21,366
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
1,609
|
|
|
| Final repayments |
(17,047)
|
|
|
| Disposals |
(55)
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
125,692
|
|
120,853
|
| Stage 1 | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
410,493
|
|
|
| Closing balance |
407,202
|
|
410,493
|
| Stage 1 | Gross exposure | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
222,400
|
|
|
| Closing balance |
285,500
|
|
222,400
|
| Stage 1 | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Recoveries and reimbursements |
(13)
|
|
|
| Stage 1 | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
10
|
|
|
| Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(17)
|
|
|
| Business activity in the period |
(3)
|
|
|
| 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 |
1
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(19)
|
|
(17)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
2
|
|
|
| Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(566)
|
|
|
| Business activity in the period |
(60)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
314
|
|
|
| Final repayments |
5
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(582)
|
|
(566)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
16
|
|
|
| Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(101)
|
|
|
| Business activity in the period |
(27)
|
|
|
| Refinements to models used for calculation |
2
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
43
|
|
|
| Final repayments |
10
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(110)
|
|
(101)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
9
|
|
|
| Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(207)
|
|
|
| Business activity in the period |
(23)
|
|
|
| Refinements to models used for calculation |
2
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
49
|
|
|
| Final repayments |
17
|
|
|
| Disposals |
1
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(189)
|
|
(207)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
(17)
|
|
|
| Stage 1 | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(144)
|
|
|
| Closing balance |
(158)
|
|
(144)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
14
|
|
|
| Stage 1 | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(18)
|
|
|
| Closing balance |
(17)
|
|
(18)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
(1)
|
|
|
| Stage 1 | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
(2)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(5,412)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2,169)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(917)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2,679)
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
63
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
8
|
|
|
| Stage 1 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
14
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3,648
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1,519
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
538
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2,186
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(3)
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(343)
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(46)
|
|
|
| Stage 1 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(37)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(197)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(331)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(124)
|
|
|
| Stage 1 | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(698)
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
15
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Stage 1 | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
27
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
16
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Stage 1 | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
157
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(10)
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Stage 1 | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(6)
|
|
|
| Stage 1 | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
327,688
|
|
|
| Closing balance |
336,829
|
|
327,688
|
| Stage 1 | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
161,637
|
|
|
| Closing balance |
165,613
|
|
161,637
|
| Stage 1 | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
33,157
|
|
|
| Closing balance |
33,526
|
|
33,157
|
| Stage 1 | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
12,248
|
|
|
| Closing balance |
12,187
|
|
12,248
|
| Stage 1 | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
120,646
|
|
|
| Closing balance |
125,503
|
|
120,646
|
| Stage 1 | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
68,113
|
|
|
| Closing balance |
72,351
|
|
68,113
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
328,579
|
|
|
| Closing balance |
337,729
|
|
328,579
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
161,654
|
|
|
| Closing balance |
165,632
|
|
161,654
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
33,723
|
|
|
| Closing balance |
34,108
|
|
33,723
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
12,349
|
|
|
| Closing balance |
12,297
|
|
12,349
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
120,853
|
|
|
| Closing balance |
125,692
|
|
120,853
|
| Stage 1 | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
68,126
|
|
|
| Closing balance |
72,362
|
|
68,126
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(891)
|
|
|
| Closing balance |
(900)
|
|
(891)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(17)
|
|
|
| Closing balance |
(19)
|
|
(17)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(566)
|
|
|
| Closing balance |
(582)
|
|
(566)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(101)
|
|
|
| Closing balance |
(110)
|
|
(101)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(207)
|
|
|
| Closing balance |
(189)
|
|
(207)
|
| Stage 1 | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(13)
|
|
|
| Closing balance |
(11)
|
|
(13)
|
| Lifetime expected credit losses | Stage 2 | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
16,233
|
|
|
| Closing balance |
15,912
|
|
16,233
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
13,829
|
|
|
| Business activity in the period |
213
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(300)
|
|
|
| Final repayments |
(760)
|
|
|
| Disposals |
(420)
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
14,100
|
|
13,829
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
4,479
|
|
|
| Business activity in the period |
164
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
313
|
|
|
| Final repayments |
(46)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
4,865
|
|
4,479
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,718
|
|
|
| Business activity in the period |
238
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
143
|
|
|
| Final repayments |
(325)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
2,041
|
|
1,718
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
10,638
|
|
|
| Business activity in the period |
214
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
204
|
|
|
| Final repayments |
(991)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
10,388
|
|
10,638
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
16,473
|
|
|
| Closing balance |
16,150
|
|
16,473
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,600
|
|
|
| Closing balance |
800
|
|
1,600
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Recoveries and reimbursements |
(11)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
34
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(16)
|
|
|
| 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 |
(9)
|
|
|
| Final repayments |
1
|
|
|
| Disposals |
1
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(21)
|
|
(16)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
6
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,194)
|
|
|
| Business activity in the period |
(41)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(593)
|
|
|
| Final repayments |
14
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(1,215)
|
|
(1,194)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
21
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(183)
|
|
|
| Business activity in the period |
(27)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(49)
|
|
|
| Final repayments |
7
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(190)
|
|
(183)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
7
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(315)
|
|
|
| Business activity in the period |
(11)
|
|
|
| Refinements to models used for calculation |
(1)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(44)
|
|
|
| Final repayments |
26
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
(315)
|
|
(315)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(240)
|
|
|
| Closing balance |
(238)
|
|
(240)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
(2)
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(8)
|
|
|
| Closing balance |
(10)
|
|
(8)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
2
|
|
|
| Lifetime expected credit losses | Stage 2 | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
5,412
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2,169
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
917
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
2,679
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(63)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(8)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(14)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(3,648)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1,519)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(538)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(2,186)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
343
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
46
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
37
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(300)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(708)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(121)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(294)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
325
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
27
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
19
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
74
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
13
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
9
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
124
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(6)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(3)
|
|
|
| Lifetime expected credit losses | Stage 2 | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(12)
|
|
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
28,956
|
|
|
| Closing balance |
29,653
|
|
28,956
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
13,813
|
|
|
| Closing balance |
14,079
|
|
13,813
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,285
|
|
|
| Closing balance |
3,650
|
|
3,285
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,535
|
|
|
| Closing balance |
1,851
|
|
1,535
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
10,323
|
|
|
| Closing balance |
10,073
|
|
10,323
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
362
|
|
|
| Closing balance |
1,168
|
|
362
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
30,664
|
|
|
| Closing balance |
31,394
|
|
30,664
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
13,829
|
|
|
| Closing balance |
14,100
|
|
13,829
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
4,479
|
|
|
| Closing balance |
4,865
|
|
4,479
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,718
|
|
|
| Closing balance |
2,041
|
|
1,718
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
10,638
|
|
|
| Closing balance |
10,388
|
|
10,638
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
371
|
|
|
| Closing balance |
1,177
|
|
371
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,708)
|
|
|
| Closing balance |
(1,741)
|
|
(1,708)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(16)
|
|
|
| Closing balance |
(21)
|
|
(16)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,194)
|
|
|
| Closing balance |
(1,215)
|
|
(1,194)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(183)
|
|
|
| Closing balance |
(190)
|
|
(183)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(315)
|
|
|
| Closing balance |
(315)
|
|
(315)
|
| Lifetime expected credit losses | Stage 2 | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(9)
|
|
|
| Closing balance |
(9)
|
|
(9)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
780
|
|
|
| Closing balance |
801
|
|
780
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,967
|
|
|
| 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 |
(53)
|
|
|
| Final repayments |
(210)
|
|
|
| Disposals |
(158)
|
|
|
| Write-offs |
(5)
|
|
|
| Closing balance |
1,937
|
|
1,967
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
2,055
|
|
|
| Business activity in the period |
3
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(31)
|
|
|
| Final repayments |
(55)
|
|
|
| Disposals |
(250)
|
|
|
| Write-offs |
(615)
|
|
|
| Closing balance |
2,117
|
|
2,055
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
349
|
|
|
| Business activity in the period |
8
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
44
|
|
|
| Final repayments |
(88)
|
|
|
| Disposals |
(21)
|
|
|
| Write-offs |
(102)
|
|
|
| Closing balance |
425
|
|
349
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,159
|
|
|
| Business activity in the period |
44
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(262)
|
|
|
| Final repayments |
(124)
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
(334)
|
|
|
| Closing balance |
3,194
|
|
3,159
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
812
|
|
|
| Closing balance |
838
|
|
812
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Recoveries and reimbursements |
(84)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
1,453
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(84)
|
|
|
| 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 |
(16)
|
|
|
| Final repayments |
7
|
|
|
| Disposals |
2
|
|
|
| Write-offs |
5
|
|
|
| Closing balance |
(87)
|
|
(84)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
10
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,569)
|
|
|
| Business activity in the period |
(2)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(599)
|
|
|
| Final repayments |
46
|
|
|
| Disposals |
194
|
|
|
| Write-offs |
615
|
|
|
| Closing balance |
(1,639)
|
|
(1,569)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
879
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(233)
|
|
|
| Business activity in the period |
(4)
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(101)
|
|
|
| Final repayments |
9
|
|
|
| Disposals |
16
|
|
|
| Write-offs |
102
|
|
|
| Closing balance |
(236)
|
|
(233)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
121
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(804)
|
|
|
| Business activity in the period |
(11)
|
|
|
| Refinements to models used for calculation |
(1)
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(438)
|
|
|
| Final repayments |
9
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
334
|
|
|
| Closing balance |
(913)
|
|
(804)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
443
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(32)
|
|
|
| Closing balance |
(37)
|
|
(32)
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
5
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
497
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1,039
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
245
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
992
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(1)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(340)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(28)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(20)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(101)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(29)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(10)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
(281)
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
1
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
16
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
3
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
18
|
|
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
4,840
|
|
|
| Closing balance |
4,798
|
|
4,840
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,883
|
|
|
| Closing balance |
1,850
|
|
1,883
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
486
|
|
|
| Closing balance |
478
|
|
486
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
116
|
|
|
| Closing balance |
189
|
|
116
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
2,355
|
|
|
| Closing balance |
2,281
|
|
2,355
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
7,530
|
|
|
| Closing balance |
7,673
|
|
7,530
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
1,967
|
|
|
| Closing balance |
1,937
|
|
1,967
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
2,055
|
|
|
| Closing balance |
2,117
|
|
2,055
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
349
|
|
|
| Closing balance |
425
|
|
349
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
3,159
|
|
|
| Closing balance |
3,194
|
|
3,159
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(2,690)
|
|
|
| Closing balance |
(2,875)
|
|
(2,690)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(84)
|
|
|
| Closing balance |
(87)
|
|
(84)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(1,569)
|
|
|
| Closing balance |
(1,639)
|
|
(1,569)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(233)
|
|
|
| Closing balance |
(236)
|
|
(233)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
(804)
|
|
|
| Closing balance |
(913)
|
|
(804)
|
| Lifetime expected credit losses | Stage 3 excluding POCI | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
5
|
|
|
| Closing balance |
5
|
|
5
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
24
|
|
|
| Business activity in the period |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(11)
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
13
|
|
24
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
15
|
|
|
| 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 |
(7)
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
8
|
|
15
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Gross exposure | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
5
|
|
|
| Closing balance |
5
|
|
5
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| Recoveries and reimbursements |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Loans and advances |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Business activity in the period |
0
|
|
|
| Refinements to models used for calculation |
0
|
|
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
|
|
| Final repayments |
0
|
|
|
| Disposals |
0
|
|
|
| Write-offs |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | ECL movement on loan commitments and other financial guarantees |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | ECL movement on other financial assets |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Reconciliation of ECL movement to impairment charges for the period |
|
|
|
| ECL movement |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 1 to Stage 2 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 2 to Stage 1 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers to Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Transfers from Stage 3 | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Transfers |
0
|
|
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
39
|
|
|
| Closing balance |
21
|
|
39
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
24
|
|
|
| Closing balance |
13
|
|
24
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
15
|
|
|
| Closing balance |
8
|
|
15
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
39
|
|
|
| Closing balance |
21
|
|
39
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
24
|
|
|
| Closing balance |
13
|
|
24
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
15
|
|
|
| Closing balance |
8
|
|
15
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Gross exposure | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Loans and advances |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Retail mortgages |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Retail credit cards |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Retail other |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | Corporate loans |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
0
|
|
0
|
| Lifetime expected credit losses | Stage 3 POCI | Financial assets at amortised cost | Impairment allowance | ECL movement on debt securities at amortised cost |
|
|
|
| Loans and advances at amortised cost |
|
|
|
| Opening balance |
0
|
|
|
| Closing balance |
£ 0
|
|
£ 0
|