v3.26.1
Credit Risk - Disclosure of provisions for loan commitment and financial guarantees (Details) - ECL movement on loan commitments and other financial guarantees
£ in Millions
6 Months Ended
Jun. 30, 2026
GBP (£)
Gross exposure | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance £ 11,880
Net transfers between stages 0
Business activity in the period 12,144
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (8,977)
Limit management and final repayments (175)
Ending balance 14,872
Gross exposure | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 166,153
Net transfers between stages 0
Business activity in the period 8,286
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 1,533
Limit management and final repayments (5,067)
Disposals (23,657)
Ending balance 147,248
Gross exposure | Retail other  
Loan commitments and financial guarantees  
Opening balance 7,548
Net transfers between stages 0
Business activity in the period 450
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 220
Limit management and final repayments (602)
Ending balance 7,616
Gross exposure | Corporate loans  
Loan commitments and financial guarantees  
Opening balance 242,202
Net transfers between stages 0
Business activity in the period 34,032
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 11,599
Limit management and final repayments (33,223)
Disposals (151)
Ending balance 254,459
Impairment allowance | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Impairment allowance | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance (55)
Net transfers between stages 0
Business activity in the period (15)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (3)
Limit management and final repayments 7
Disposals 0
Ending balance (66)
Impairment allowance | Retail other  
Loan commitments and financial guarantees  
Opening balance (1)
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance (1)
Impairment allowance | Corporate loans  
Loan commitments and financial guarantees  
Opening balance (360)
Net transfers between stages 0
Business activity in the period (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  
Loan commitments and financial guarantees  
Opening balance 11,755
Net transfers between stages (41)
Business activity in the period 12,144
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (8,966)
Limit management and final repayments (163)
Ending balance 14,729
Stage 1 | Gross exposure | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 163,724
Net transfers between stages (1,663)
Business activity in the period 8,181
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 2,870
Limit management and final repayments (4,996)
Disposals (23,511)
Ending balance 144,605
Stage 1 | Gross exposure | Retail other  
Loan commitments and financial guarantees  
Opening balance 7,116
Net transfers between stages 24
Business activity in the period 450
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 228
Limit management and final repayments (598)
Ending balance 7,220
Stage 1 | Gross exposure | Corporate loans  
Loan commitments and financial guarantees  
Opening balance 227,898
Net transfers between stages (573)
Business activity in the period 33,307
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 11,720
Limit management and final repayments (31,618)
Disposals (86)
Ending balance 240,648
Stage 1 | Impairment allowance | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Stage 1 | Impairment allowance | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance (52)
Net transfers between stages (7)
Business activity in the period (14)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 6
Limit management and final repayments 4
Disposals 0
Ending balance (63)
Stage 1 | Impairment allowance | Retail other  
Loan commitments and financial guarantees  
Opening balance (1)
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance (1)
Stage 1 | Impairment allowance | Corporate loans  
Loan commitments and financial guarantees  
Opening balance (91)
Net transfers between stages (4)
Business activity in the period (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 94
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 125
Net transfers between stages 39
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (10)
Limit management and final repayments (12)
Ending balance 142
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 2,330
Net transfers between stages 1,567
Business activity in the period 105
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (1,243)
Limit management and final repayments (62)
Disposals (146)
Ending balance 2,551
Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other  
Loan commitments and financial guarantees  
Opening balance 413
Net transfers between stages (34)
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (3)
Limit management and final repayments (4)
Ending balance 372
Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans  
Loan commitments and financial guarantees  
Opening balance 13,605
Net transfers between stages 498
Business activity in the period 720
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (157)
Limit management and final repayments (1,516)
Disposals (65)
Ending balance 13,085
Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance (3)
Net transfers between stages 7
Business activity in the period (1)
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (9)
Limit management and final repayments 3
Disposals 0
Ending balance (3)
Lifetime expected credit losses | Stage 2 | Impairment allowance | Retail other  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 2 | Impairment allowance | Corporate loans  
Loan commitments and financial guarantees  
Opening balance (237)
Net transfers between stages 4
Business activity in the period (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 (235)
Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 2
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (1)
Limit management and final repayments 0
Ending balance 1
Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 94
Net transfers between stages 96
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (94)
Limit management and final repayments (9)
Disposals 0
Ending balance 87
Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Retail other  
Loan commitments and financial guarantees  
Opening balance 19
Net transfers between stages 10
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (5)
Limit management and final repayments 0
Ending balance 24
Lifetime expected credit losses | Stage 3 excluding POCI | Gross exposure | Corporate loans  
Loan commitments and financial guarantees  
Opening balance 699
Net transfers between stages 75
Business activity in the period 5
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 36
Limit management and final repayments (89)
Disposals 0
Ending balance 726
Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Retail other  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 excluding POCI | Impairment allowance | Corporate loans  
Loan commitments and financial guarantees  
Opening balance (32)
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (6)
Limit management and final repayments 1
Disposals 0
Ending balance (37)
Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 5
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 5
Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Retail other  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 POCI | Gross exposure | Corporate loans  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail mortgages  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail credit cards  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance 0
Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Retail other  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Ending balance 0
Lifetime expected credit losses | Stage 3 POCI | Impairment allowance | Corporate loans  
Loan commitments and financial guarantees  
Opening balance 0
Net transfers between stages 0
Business activity in the period 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management and final repayments 0
Disposals 0
Ending balance £ 0