v3.26.1
Allowance for expected credit losses - Disclosure of movement in expected credit loss allowance (Details) - Allowance for expected credit losses - Total ECL £m - GBP (£)
£ in Millions
6 Months Ended
Jun. 30, 2026
Dec. 31, 2025
Jun. 30, 2025
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL £ 3,201 £ 3,374 £ 3,453
Write-offs and other £m (666) (523) (521)
Income statement charge (credit) £m 612 350 442
Net ECL increase (decrease) £m (54) (173) (79)
Closing ECL 3,147 3,201 3,374
UK mortgages      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 731 709 852
Write-offs and other £m (101) (51) (10)
Income statement charge (credit) £m 39 73 (133)
Net ECL increase (decrease) £m (62) 22 (143)
Closing ECL 669 731 709
Credit cards      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 603 659 674
Write-offs and other £m (222) (177) (215)
Income statement charge (credit) £m 264 121 200
Net ECL increase (decrease) £m 42 (56) (15)
Closing ECL 645 603 659
Other Retail      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 991 1,010 950
Write-offs and other £m (271) (217) (215)
Income statement charge (credit) £m 262 198 275
Net ECL increase (decrease) £m (9) (19) 60
Closing ECL 982 991 1,010
Retail      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 2,325 2,378 2,476
Write-offs and other £m (594) (445) (440)
Income statement charge (credit) £m 565 392 342
Net ECL increase (decrease) £m (29) (53) (98)
Closing ECL 2,296 2,325 2,378
Commercial Banking      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 875 995 976
Write-offs and other £m (72) (80) (80)
Income statement charge (credit) £m 47 (40) 99
Net ECL increase (decrease) £m (25) (120) 19
Closing ECL 850 875 995
Other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 1 1 1
Write-offs and other £m 0 2 (1)
Income statement charge (credit) £m 0 (2) 1
Net ECL increase (decrease) £m 0 0 0
Closing ECL £ 1 £ 1 £ 1