XML 170 R122.htm IDEA: XBRL DOCUMENT v3.20.4
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Disclosure of Application of Judgement in Adjustments to Modelled ECL - GBP (£)
£ in Millions
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   £ 6,247 £ 3,455
UK Mortgages      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   1,027 569
UK Mortgages | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   £ 36  
UK Mortgages | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets     183
Probability of possession (in percent)   95.00%  
UK Mortgages | Other judgements | Stage 2      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Probability of default loans and advances to customers (in percent)   70.00%  
UK Mortgages | Other judgements | Stage 3      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Probability of default loans and advances to customers (in percent)   100.00%  
Other Retail      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   £ 2,368 1,521
Other Retail | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   321  
Commercial Banking      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   2,402 1,315
Commercial Banking | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   131  
Other      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   450 50
Modelled ECL      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   3,642 2,412
Modelled ECL | UK Mortgages      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   481 386
Modelled ECL | Other Retail      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   2,060 1,531
Modelled ECL | Commercial Banking      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   1,051 445
Modelled ECL | Other      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   50 50
Individually assessed      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   1,222 890
Individually assessed | UK Mortgages      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   0 0
Individually assessed | Other Retail      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   0 0
Individually assessed | Commercial Banking      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   1,222 890
Individually assessed | Other      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   0 0
Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   888 0
Judgements due to COVID-19 | UK Mortgages      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets     0
Judgements due to COVID-19 | Other Retail      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets     0
Judgements due to COVID-19 | Commercial Banking      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets     0
Judgements due to COVID-19 | Other      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets     0
Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   495 153
Other judgements | UK Mortgages      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   510  
Other judgements | Other Retail      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   (13) (10)
Other judgements | Commercial Banking      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   (2) (20)
Other judgements | Other      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   0 0
Support measures | Other Retail | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   218  
Forward looking LGDs | Other Retail | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   86  
Other economic impacts      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   200  
Other economic impacts | Commercial Banking | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   93  
Central overlay in respect of economic uncertainty | Other | Judgements due to COVID-19      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Allowance account for credit losses of financial assets   £ 400  
Increase in unemployment rate (in percent)   1.00%  
Increase in House Price Index (in percent) 5.00%    
Re-weighting from upside to severe downside scenario (in percent)   10.00%  
Modelled forecast parameters | UK Mortgages | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   £ 193 0
End of term risk on interest only mortgages | UK Mortgages | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   179 132
Mortgage accounts in long term default | UK Mortgages | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   87 33
Extension of modelled lifetime on retail revolving products | Other Retail | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   81 36
Unsecured non-scored accounts | Other Retail | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   (72) 0
Credit card LGD alignment | Other Retail | Other judgements      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   (55) (22)
Management adjustments      
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets   £ 1,383 £ 153