XML 163 R122.htm IDEA: XBRL DOCUMENT v3.22.0.1
CRITICAL ACCOUNTING JUDGEMENTS AND KEY SOURCES OF ESTIMATION UNCERTAINTY - Disclosure of Expected Credit Loss (Details) - GBP (£)
£ in Millions
Dec. 31, 2021
Dec. 31, 2020
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage increase (decrease) in UK unemployment rate (in percent) 1.00%  
Allowance account for credit losses of financial assets £ 4,042 £ 6,247
1pp increase in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m 107 205
1pp decrease in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m (95) (190)
10pp increase in HPI    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m (112) (206)
10pp decrease in HPI    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m 162 284
Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 3,539 £ 5,096
Upside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 6.50% 7.00%
Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 3,812 £ 5,702
Base case | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 6.60% 8.70%
Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 4,366 £ 6,966
Downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 7.70% 11.80%
Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 5,668 £ 10,009
Severe downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 11.60% 16.40%
Individually assessed    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets £ 905 £ 1,222
UK mortgages    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets 837 1,027
UK mortgages | 1pp increase in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m 23 25
UK mortgages | 1pp decrease in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m (18) (23)
UK mortgages | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 636 £ 602
UK mortgages | Upside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 6.60% 6.90%
UK mortgages | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 722 £ 797
UK mortgages | Base case | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 6.80% 8.90%
UK mortgages | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 973 £ 1,269
UK mortgages | Downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 7.90% 11.80%
UK mortgages | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,448 £ 2,578
UK mortgages | Severe downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 10.10% 16.70%
UK mortgages | Individually assessed    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets £ 0 £ 0
Retail excluding UK mortgages    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets 908 1,445
Retail excluding UK mortgages | 1pp increase in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m 34 54
Retail excluding UK mortgages | 1pp decrease in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m (34) (54)
Retail excluding UK mortgages | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,270 £ 2,154
Retail excluding UK mortgages | Upside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 10.90% 12.60%
Retail excluding UK mortgages | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,388 £ 2,299
Retail excluding UK mortgages | Base case | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 11.70% 13.50%
Retail excluding UK mortgages | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,535 £ 2,509
Retail excluding UK mortgages | Downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 13.20% 15.20%
Retail excluding UK mortgages | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,767 £ 2,819
Retail excluding UK mortgages | Severe downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 16.30% 17.90%
Retail excluding UK mortgages | Individually assessed    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets £ 0 £ 0
Commercial Banking    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets 1,333 2,402
Commercial Banking | 1pp increase in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m 49 125
Commercial Banking | 1pp decrease in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m (42) (112)
Commercial Banking | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,192 £ 1,892
Commercial Banking | Upside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 6.70% 8.20%
Commercial Banking | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,259 £ 2,157
Commercial Banking | Base case | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 6.90% 10.90%
Commercial Banking | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 1,414 £ 2,738
Commercial Banking | Downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 8.40% 17.50%
Commercial Banking | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 2,006 £ 4,155
Commercial Banking | Severe downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 19.70% 24.90%
Commercial Banking | Individually assessed    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets £ 905 £ 1,222
Commercial Banking | Individually assessed | Minimum    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets 741 982
Commercial Banking | Individually assessed | Maximum    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets 1,024 1,548
Other    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets 443 450
Other | 1pp increase in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m 1 1
Other | 1pp decrease in unemployment    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m (1) (1)
Other | Upside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 441 £ 448
Other | Upside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 0.10% 0.00%
Other | Base case    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 443 £ 449
Other | Base case | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 0.10% 0.00%
Other | Downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 444 £ 450
Other | Downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 0.10% 0.00%
Other | Severe downside    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
ECL impact, £m £ 447 £ 457
Other | Severe downside | Stage 2    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Percentage of financial assets (in percent) 0.10% 0.00%
Other | Individually assessed    
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]    
Allowance account for credit losses of financial assets £ 0 £ 0