v3.26.1
Allowance for expected credit losses - Narrative (Details) - Allowance for expected credit losses - GBP (£)
£ in Millions
Jun. 30, 2026
Dec. 31, 2025
Jun. 30, 2025
Other judgements      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses £ 142 £ 225  
UK mortgages | Other judgements      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 67 108  
UK mortgages | Other judgements | Repossession risk      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 67 85  
UK mortgages | Other judgements | Mortgage accounts in specific segments      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 0 13  
Credit cards | Other judgements      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 56 63  
Credit cards | Other judgements | Extension of modelled lifetime on retail revolving products      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 49 49  
Other Retail | Other judgements      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 73 75  
Other Retail | Other judgements | Extension of modelled lifetime on retail revolving products      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 9 9  
Other Retail | Other judgements | Loss given default alignment (LGD)      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 37 25  
Commercial Banking | Other judgements      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses (54) (21)  
Commercial Banking | Other judgements | Loss given default alignment (LGD)      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 50 50  
Commercial Banking | Other judgements | Corporate insolvency rates      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses (104) (119)  
Commercial Banking | Other judgements | Global tariff and political disruption risks      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses 0 48  
Motor Finance | Residual value impairment and voluntary terminations      
Allowance For Impairment Losses [Line Items]      
Allowance for expected credit losses £ 250 £ 243 £ 211