v3.26.1
Allowance for expected credit losses - Disclosure of movement in expected credit loss allowance (Details) - Allowance for expected credit losses - Total ECL - 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 £ 3,228 £ 3,402 £ 3,481
Write-offs and other £m (672) (527) (521)
Income statement charge (credit) £m 616 353 442
Net ECL increase (decrease) £m (56) (174) (79)
Closing ECL 3,172 3,228 3,402
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 888 1,009 989
Write-offs and other £m (78) (81) (80)
Income statement charge (credit) £m 51 (40) 100
Net ECL increase (decrease) £m (27) (121) 20
Closing ECL 861 888 1,009
Other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Opening ECL 15 15 16
Write-offs and other £m 0 (1) (1)
Income statement charge (credit) £m 0 1 0
Net ECL increase (decrease) £m 0 0 (1)
Closing ECL £ 15 £ 15 £ 15