XML 57 R50.htm IDEA: XBRL DOCUMENT v3.21.2
Critical accounting judgements and estimates - Disclosure of Generation of Multiple Economic Assumptions by Quarter and Year (Details)
Jun. 30, 2021
Dec. 31, 2020
Upside    
Five year average [Abstract]    
Gross domestic product 3.10% 0.30%
UK Bank Rate 1.16% 0.98%
Unemployment rate 4.50% 5.00%
House price growth 4.40% 4.20%
Commercial real estate price growth 3.40% 2.10%
Base case    
Five year average [Abstract]    
Gross domestic product 3.00% 0.10%
UK Bank Rate 0.34% 0.15%
Unemployment rate 5.40% 5.90%
House price growth 1.50% 1.10%
Commercial real estate price growth 0.60% (1.10%)
Downside    
Five year average [Abstract]    
Gross domestic product 2.60% (0.40%)
UK Bank Rate 0.10% 0.05%
Unemployment rate 6.70% 7.10%
House price growth (3.50%) (3.50%)
Commercial real estate price growth (3.00%) (4.90%)
Severe downside    
Five year average [Abstract]    
Gross domestic product 2.30% (0.80%)
UK Bank Rate 0.02% 0.02%
Unemployment rate 8.40% 8.80%
House price growth (7.50%) (7.50%)
Commercial real estate price growth (7.30%) (9.70%)
First quarter 2021 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product (1.50%) (3.00%)
UK Bank Rate 0.10% 0.10%
Unemployment rate 4.80% 4.00%
House price growth 6.50% 2.80%
Commercial real estate price growth (2.90%) (5.00%)
Second quarter 2021 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 4.30% (18.80%)
UK Bank Rate 0.10% 0.10%
Unemployment rate 5.00% 4.10%
House price growth 10.50% 2.60%
Commercial real estate price growth 1.30% (7.80%)
Third quarter 2021 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product (0.30%) 16.00%
UK Bank Rate 0.10% 0.10%
Unemployment rate 5.40% 4.80%
House price growth 6.80% 7.20%
Commercial real estate price growth 1.50% (7.80%)
Fourth quarter 2021 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 3.20% (1.90%)
UK Bank Rate 0.10% 0.10%
Unemployment rate 6.60% 5.00%
House price growth 5.60% 5.90%
Commercial real estate price growth 0.40% (7.00%)
First quarter 2022 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.50% (3.80%)
UK Bank Rate 0.10% 0.10%
Unemployment rate 6.40% 5.20%
House price growth 5.00% 5.50%
Commercial real estate price growth (0.30%) (6.10%)
Second quarter 2022 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 0.50% 5.60%
UK Bank Rate 0.10% 0.10%
Unemployment rate 6.20% 6.50%
House price growth 1.70% 4.70%
Commercial real estate price growth (0.50%) (2.90%)
Third quarter 2022 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 0.40% 3.60%
UK Bank Rate 0.10% 0.10%
Unemployment rate 6.10% 8.00%
House price growth 0.30% (1.60%)
Commercial real estate price growth 0.40% (2.20%)
Fourth quarter 2022 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 0.40% 1.50%
UK Bank Rate 0.10% 0.10%
Unemployment rate 5.90% 7.50%
House price growth 0.10% (3.80%)
Commercial real estate price growth 1.00% (1.70%)
2020 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product   (10.50%)
UK Bank Rate   0.10%
Unemployment rate   4.50%
House price growth   5.90%
Commercial real estate price growth   (7.00%)
2020 | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product   (10.50%)
UK Bank Rate   0.10%
Unemployment rate   4.30%
House price growth   6.30%
Commercial real estate price growth   (4.60%)
2020 | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product   (10.60%)
UK Bank Rate   0.10%
Unemployment rate   4.60%
House price growth   5.60%
Commercial real estate price growth   (8.70%)
2020 | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product   (10.80%)
UK Bank Rate   0.10%
Unemployment rate   4.80%
House price growth   5.30%
Commercial real estate price growth   (11.00%)
2021 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 5.50% 3.00%
UK Bank Rate 0.10% 0.10%
Unemployment rate 5.40% 6.80%
House price growth 5.60% (3.80%)
Commercial real estate price growth 0.40% (1.70%)
2021 | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 6.10% 3.70%
UK Bank Rate 0.52% 1.14%
Unemployment rate 4.70% 5.40%
House price growth 6.80% (1.40%)
Commercial real estate price growth 9.20% 9.30%
2021 | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 4.80% 1.70%
UK Bank Rate 0.09% 0.06%
Unemployment rate 6.00% 7.90%
House price growth 3.50% (8.40%)
Commercial real estate price growth (5.30%) (10.60%)
2021 | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 4.10% 0.30%
UK Bank Rate 0.06% 0.00%
Unemployment rate 7.00% 9.90%
House price growth 2.40% (11.10%)
Commercial real estate price growth (13.50%) (21.40%)
2022 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 5.50% 6.00%
UK Bank Rate 0.10% 0.10%
Unemployment rate 6.10% 6.80%
House price growth 0.10% 0.50%
Commercial real estate price growth 1.00% 1.60%
2022 | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 5.50% 5.70%
UK Bank Rate 1.27% 1.27%
Unemployment rate 4.90% 5.40%
House price growth 3.40% 5.20%
Commercial real estate price growth 5.70% 3.90%
2022 | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 4.20% 5.10%
UK Bank Rate 0.05% 0.02%
Unemployment rate 7.80% 8.40%
House price growth (6.20%) (6.50%)
Commercial real estate price growth (5.30%) (3.20%)
2022 | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 3.50% 4.80%
UK Bank Rate 0.00% 0.00%
Unemployment rate 9.90% 10.70%
House price growth (11.00%) (12.50%)
Commercial real estate price growth (13.50%) (9.80%)
2023 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.60% 1.70%
UK Bank Rate 0.25% 0.21%
Unemployment rate 5.40% 6.10%
House price growth 0.10% 1.50%
Commercial real estate price growth 0.60% 1.10%
2023 | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40% 1.70%
UK Bank Rate 1.09% 1.20%
Unemployment rate 4.40% 5.00%
House price growth 4.60% 6.00%
Commercial real estate price growth 2.40% 2.10%
2023 | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.30% 1.40%
UK Bank Rate 0.06% 0.02%
Unemployment rate 7.10% 7.80%
House price growth (7.50%) (4.70%)
Commercial real estate price growth (2.80%) (0.80%)
2023 | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.10% 1.30%
UK Bank Rate 0.01% 0.01%
Unemployment rate 9.10% 9.80%
House price growth (13.20%) (10.70%)
Commercial real estate price growth (6.90%) (3.90%)
2024 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40% 1.40%
UK Bank Rate 0.50% 0.25%
Unemployment rate 5.00% 5.50%
House price growth 0.60% 1.50%
Commercial real estate price growth 0.30% 0.60%
2024 | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40% 1.50%
UK Bank Rate 1.32% 1.21%
Unemployment rate 4.20% 4.50%
House price growth 3.90% 5.00%
Commercial real estate price growth 0.30% 0.30%
2024 | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40% 1.40%
UK Bank Rate 0.11% 0.03%
Unemployment rate 6.50% 7.00%
House price growth (4.90%) (3.00%)
Commercial real estate price growth (1.50%) (0.80%)
2024 | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40% 1.20%
UK Bank Rate 0.02% 0.01%
Unemployment rate 8.30% 8.70%
House price growth (9.60%) (7.60%)
Commercial real estate price growth (2.30%) (0.80%)
2025 | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.20%  
UK Bank Rate 0.75%  
Unemployment rate 4.80%  
House price growth 1.10%  
Commercial real estate price growth 0.50%  
2025 | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.20%  
UK Bank Rate 1.58%  
Unemployment rate 4.10%  
House price growth 3.40%  
Commercial real estate price growth (0.30%)  
2025 | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40%  
UK Bank Rate 0.20%  
Unemployment rate 6.00%  
House price growth (1.80%)  
Commercial real estate price growth 0.20%  
2025 | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Gross domestic product 1.40%  
UK Bank Rate 0.03%  
Unemployment rate 7.60%  
House price growth (5.10%)  
Commercial real estate price growth 0.50%