v3.26.1
SEGMENTS - Summary of Results by Segment (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Dec. 31, 2025
Disclosure of operating segments [line items]      
Net interest income £ 2,369 £ 2,194  
Non-interest income/(expense) 130 64  
Net operating income [1] 2,499 2,258  
Operating expenses before credit impairment charges, restructuring and specific provisions [1] (1,339) (1,315)  
Credit impairment charges (277) (105)  
Restructuring and specific provisions [1] (366) (92)  
Total credit impairment charges, restructuring and specific provisions (643) (197)  
Profit before tax 517 746  
Revenue/(expense) from external customers 2,499 2,258  
Customer loans 235,305   £ 197,367
Customer deposits 220,747   183,602
Inter-segment (expense)/revenue      
Disclosure of operating segments [line items]      
Inter-segment (expense)/revenue 0 0  
Retail & Business Banking      
Disclosure of operating segments [line items]      
Net interest income 1,897 1,757  
Non-interest income/(expense) 52 16  
Net operating income 1,949 1,773  
Operating expenses before credit impairment charges, restructuring and specific provisions (1,081) (1,061)  
Credit impairment charges (232) (78)  
Restructuring and specific provisions (74) (67)  
Total credit impairment charges, restructuring and specific provisions (306) (145)  
Profit before tax 562 567  
Revenue/(expense) from external customers 2,201 2,023  
Customer loans 210,825   173,462
Customer deposits 192,567   155,652
Retail & Business Banking | Inter-segment (expense)/revenue      
Disclosure of operating segments [line items]      
Inter-segment (expense)/revenue (252) (250)  
Consumer Finance      
Disclosure of operating segments [line items]      
Net interest income 67 61  
Non-interest income/(expense) 80 97  
Net operating income 147 158  
Operating expenses before credit impairment charges, restructuring and specific provisions (78) (84)  
Credit impairment charges (15) (10)  
Restructuring and specific provisions (214) (9)  
Total credit impairment charges, restructuring and specific provisions (229) (19)  
Profit before tax (160) 55  
Revenue/(expense) from external customers 373 387  
Customer loans 4,988   4,979
Customer deposits 0   0
Consumer Finance | Inter-segment (expense)/revenue      
Disclosure of operating segments [line items]      
Inter-segment (expense)/revenue (226) (229)  
Corporate & Commercial Banking      
Disclosure of operating segments [line items]      
Net interest income 335 330  
Non-interest income/(expense) 34 26  
Net operating income 369 356  
Operating expenses before credit impairment charges, restructuring and specific provisions (177) (196)  
Credit impairment charges (30) (17)  
Restructuring and specific provisions (16) (17)  
Total credit impairment charges, restructuring and specific provisions (46) (34)  
Profit before tax 146 126  
Revenue/(expense) from external customers 281 295  
Customer loans 19,492   18,927
Customer deposits 24,848   24,414
Corporate & Commercial Banking | Inter-segment (expense)/revenue      
Disclosure of operating segments [line items]      
Inter-segment (expense)/revenue 88 61  
Corporate Centre      
Disclosure of operating segments [line items]      
Net interest income 70 46  
Non-interest income/(expense) (36) (75)  
Net operating income 34 (29)  
Operating expenses before credit impairment charges, restructuring and specific provisions (3) 26  
Credit impairment charges 0 0  
Restructuring and specific provisions (62) 1  
Total credit impairment charges, restructuring and specific provisions (62) 1  
Profit before tax (31) (2)  
Revenue/(expense) from external customers (356) (447)  
Customer loans 0   (1)
Customer deposits 3,332   £ 3,536
Corporate Centre | Inter-segment (expense)/revenue      
Disclosure of operating segments [line items]      
Inter-segment (expense)/revenue £ 390 £ 418  
[1] 1 Restated to reflect the change in accounting policy, as set out in Note 1.