IMPAIRMENT (Tables)

12 Months Ended

Dec. 31, 2019

Disclosure of impairment loss and reversal of impairment loss [text block] [Abstract]

Disclosure of impairment [text block]

										Purchased or
										originated
	Stage 1			Stage 2			Stage 3			credit-impaired			Total
	£m			£m			£m			£m			£m
Year ended 31 December 2019
Impact of transfers between stages		(17	)		89			532			–			604
Other changes in credit quality		4			1			899			(106	)		798
Additions (repayments)		94			(39	)		(84	)		(87	)		(116	)
Methodology, model and assumption changes		33			(27	)		8			–			14
Other items		(4	)		–			–			–			(4	)
		127			(65	)		823			(193	)		692
Total impairment		110			24			1,355			(193	)		1,296
In respect of:
Loans and advances to banks		–			–			–			–			–
Loans and advances to customers		139			10			1,351			(193	)		1,307
Financial assets at amortised cost		139			10			1,351			(193	)		1,307
Other assets		–			–			5			–			5
Impairment charge on drawn balances		139			10			1,356			(193	)		1,312
Loan commitments and financial guarantees		(28	)		14			(1	)		–			(15	)
Financial assets at fair value through other comprehensive income		(1	)		–			–			–			(1	)
Total impairment		110			24			1,355			(193	)		1,296

										Purchased or
										originated
	Stage 1			Stage 2			Stage 3			credit-impaired			Total
	£m			£m			£m			£m			£m
Year ended 31 December 2018
Impact of transfers between stages		(12	)		51			446			–			485
Other changes in credit quality		(20	)		(47	)		541			69			543
Additions (repayments)		18			(82	)		43			(69	)		(90	)
Methodology, model and assumption changes		(71	)		(21	)		72			–			(20	)
Other items		(13	)		–			32			–			19
		(86	)		(150	)		688			–			452
Total impairment		(98	)		(99	)		1,134			–			937
In respect of:
Loans and advances to banks		1			–			–			–			1
Loans and advances to customers		(66	)		(51	)		1,139			–			1,022
Financial assets at amortised cost		(65	)		(51	)		1,139			–			1,023
Other assets		–			–			1			–			1
Impairment charge on drawn balances		(65	)		(51	)		1,140			–			1,024
Loan commitments and financial guarantees		(19	)		(48	)		(6	)		–			(73	)
Financial assets at fair value through other comprehensive income		(14	)		–			–			–			(14	)
Total impairment		(98	)		(99	)		1,134			–			937

Disclosure of Impairment Loss and Reversal of Impairment Loss [text block]

	2017
	£m
Impairment losses on loans and receivables:
Loans and advances to customers		697
Debt securities classified as loans and receivables		(6	)
Total impairment losses on loans and receivables		691
Impairment of available-for-sale financial assets		6
Other credit risk provisions		(9	)
Total impairment charged to the income statement		688