Credit quality of loans and advances to banks and customers

6 Months Ended

Jun. 30, 2022

Credit Quality Of Loans And Advances To Banks And Customers [Abstract]

Credit quality of loans and advances to banks and customers

Note 19: Credit quality of loans and advances to banks and customers

Gross drawn exposures and expected credit loss allowance

		Drawn exposures								Expected credit loss allowance
At 30 June 2022	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m	Total £m	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m	Total £m
Loans and advances to banks:
CMS 1-10		7,745		—		—	—	7,745		3		—		—	—	3
CMS 11-14		102		—		—	—	102		1		—		—	—	1
CMS 15-18		—		—		—	—	—		—		—		—	—	—
CMS 19		—		—		—	—	—		—		—		—	—	—
CMS 20-23		—		—		—	—	—		—		—		—	—	—
		7,847		—		—	—	7,847		4		—		—	—	4
Loans and advances to customers:
Retail - UK mortgages
RMS 1-6		266,547		25,096		—	—	291,643		44		205		—	—	249
RMS 7-9		1		2,499		—	—	2,500		—		50		—	—	50
RMS 10		—		786		—	—	786		—		20		—	—	20
RMS 11-13		—		1,725		—	—	1,725		—		62		—	—	62
RMS 14		—		—		3,424	10,415	13,839		—		—		254	202	456
		266,548		30,106		3,424	10,415	310,493		44		337		254	202	837
Retail - credit cards
RMS 1-6		11,572		1,156		—	—	12,728		83		59		—	—	142
RMS 7-9		912		750		—	—	1,662		34		107		—	—	141
RMS 10		—		123		—	—	123		—		31		—	—	31
RMS 11-13		—		260		—	—	260		—		114		—	—	114
RMS 14		—		—		280	—	280		—		—		111	—	111
		12,484		2,289		280	—	15,053		117		311		111	—	539
Retail - loans and overdrafts
RMS 1-6		7,317		337		—	—	7,654		90		21		—	—	111
RMS 7-9		1,306		385		—	—	1,691		56		54		—	—	110
RMS 10		32		116		—	—	148		3		27		—	—	30
RMS 11-13		11		306		—	—	317		1		116		—	—	117
RMS 14		—		—		256	—	256		—		—		135	—	135
		8,666		1,144		256	—	10,066		150		218		135	—	503
Retail - UK Motor Finance
RMS 1-6		11,864		1,204		—	—	13,068		99		22		—	—	121
RMS 7-9		610		366		—	—	976		5		14		—	—	19
RMS 10		—		86		—	—	86		—		9		—	—	9
RMS 11-13		2		176		—	—	178		—		35		—	—	35
RMS 14		—		—		179	—	179		—		—		105	—	105
		12,476		1,832		179	—	14,487		104		80		105	—	289

NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (continued)

Note 19: Credit quality of loans and advances to banks and customers (continued)

Gross drawn exposures and expected credit loss allowance (continued)

		Drawn exposures								Expected credit loss allowance
At 30 June 2022	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m	Total £m	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m	Total £m
Retail - other
RMS 1-6		15,673		1,085		—	—	16,758		15		12		—	—	27
RMS 7-9		899		725		—	—	1,624		12		12		—	—	24
RMS 10		—		2		—	—	2		—		—		—	—	—
RMS 11-13		117		593		—	—	710		—		34		—	—	34
RMS 14		—		—		1,280	—	1,280		—		—		54	—	54
		16,689		2,405		1,280	—	20,374		27		58		54	—	139
Total Retail		316,863		37,776		5,419	10,415	370,473		442		1,004		659	202	2,307
Commercial Banking
CMS 1-10		49,214		648		—	—	49,862		29		11		—	—	40
CMS 11-14		30,989		2,431		—	—	33,420		88		55		—	—	143
CMS 15-18		1,015		2,867		—	—	3,882		11		167		—	—	178
CMS 19		—		207		—	—	207		—		18		—	—	18
CMS 20-23		—		—		2,614	—	2,614		—		—		948	—	948
		81,218		6,153		2,614	—	89,985		128		251		948	—	1,327
Other1
RMS 1-6		945		31		—	—	976		5		1		—	—	6
RMS 7-9		—		—		—	—	—		—		—		—	—	—
RMS 10		—		—		—	—	—		—		—		—	—	—
RMS 11-13		—		—		—	—	—		—		—		—	—	—
RMS 14		—		—		56	—	56		—		—		9	—	9
		945		31		56	—	1,032		5		1		9	—	15
CMS 1-10		(1,284)		1		—	—	(1,283)		—		—		—	—	—
CMS 11-14		(260)		—		—	—	(260)		—		—		—	—	—
CMS 15-18		(1)		—		—	—	(1)		—		—		—	—	—
CMS 19		(4)		—		—	—	(4)		—		—		—	—	—
CMS 20-23		—		—		6	—	6		—		—		4	—	4
		(1,549)		1		6	—	(1,542)		—		—		4	—	4
Central adjustment		—		—		—	—	—		200		—		—	—	200
Total loans and advances to customers		397,477		43,961		8,095	10,415	459,948		775		1,256		1,620	202	3,853
In respect of:
Retail		316,863		37,776		5,419	10,415	370,473		442		1,004		659	202	2,307
Commercial Banking		81,218		6,153		2,614	—	89,985		128		251		948	—	1,327
Other1		(604)		32		62	—	(510)		205		1		13	—	219
Total loans and advances to customers		397,477		43,961		8,095	10,415	459,948		775		1,256		1,620	202	3,853

1Includes centralised fair value hedge accounting adjustments.

NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (continued)

Note 19: Credit quality of loans and advances to banks and customers (continued)

Gross drawn exposures and expected credit loss allowance (continued)

	Drawn exposures					Expected credit loss allowance
At 31 December 2021	Stage 1 £m	Stage 2 £m	Stage 3 £m	POCI £m	Total £m	Stage 1 £m	Stage 2 £m	Stage 3 £m	POCI £m	Total £m
Loans and advances to banks:
CMS 1-10	6,941	—	—	—	6,941	1	—	—	—	1
CMS 11-14	61	—	—	—	61	—	—	—	—	—
CMS 15-18	—	—	—	—	—	—	—	—	—	—
CMS 19	—	—	—	—	—	—	—	—	—	—
CMS 20-23	—	—	—	—	—	—	—	—	—	—
	7,002	—	—	—	7,002	1	—	—	—	1
Loans and advances to customers:
Retail - UK mortgages
RMS 1-6	273,620	18,073	—	—	291,693	48	250	—	—	298
RMS 7-9	9	2,258	—	—	2,267	—	64	—	—	64
RMS 10	—	355	—	—	355	—	15	—	—	15
RMS 11-13	—	1,112	—	—	1,112	—	65	—	—	65
RMS 14	—	—	1,940	10,977	12,917	—	—	184	210	394
	273,629	21,798	1,940	10,977	308,344	48	394	184	210	836
Retail - credit cards
RMS 1-6	11,252	1,107	—	—	12,359	67	43	—	—	110
RMS 7-9	896	623	—	—	1,519	29	71	—	—	100
RMS 10	—	112	—	—	112	—	22	—	—	22
RMS 11-13	—	235	—	—	235	—	82	—	—	82
RMS 14	—	—	292	—	292	—	—	128	—	128
	12,148	2,077	292	—	14,517	96	218	128	—	442
Retail - loans and overdrafts
RMS 1-6	7,220	501	—	—	7,721	84	23	—	—	107
RMS 7-9	938	286	—	—	1,224	39	33	—	—	72
RMS 10	18	74	—	—	92	2	14	—	—	16
RMS 11-13	5	244	—	—	249	1	83	—	—	84
RMS 14	—	—	271	—	271	—	—	139	—	139
	8,181	1,105	271	—	9,557	126	153	139	—	418
Retail - UK Motor Finance
RMS 1-6	11,662	1,309	—	—	12,971	101	25	—	—	126
RMS 7-9	583	298	—	—	881	5	15	—	—	20
RMS 10	—	69	—	—	69	—	7	—	—	7
RMS 11-13	2	152	—	—	154	—	27	—	—	27
RMS 14	—	—	201	—	201	—	—	116	—	116
	12,247	1,828	201	—	14,276	106	74	116	—	296

NOTES TO THE CONDENSED CONSOLIDATED HALF-YEAR FINANCIAL STATEMENTS (continued)

Note 19: Credit quality of loans and advances to banks and customers (continued)

Gross drawn exposures and expected credit loss allowance (continued)

	Drawn exposures					Expected credit loss allowance
At 31 December 2021	Stage 1 £m	Stage 2 £m	Stage 3 £m	POCI £m	Total £m	Stage 1 £m	Stage 2 £m	Stage 3 £m	POCI £m	Total £m
Retail - other1
RMS 1-6	15,330	777	—	—	16,107	21	10	—	—	31
RMS 7-9	1,265	616	—	—	1,881	5	27	—	—	32
RMS 10	—	2	—	—	2	—	—	—	—	—
RMS 11-13	177	612	—	—	789	—	21	—	—	21
RMS 14	—	—	778	—	778	—	—	55	—	55
	16,772	2,007	778	—	19,557	26	58	55	—	139
Total Retail	322,977	28,815	3,482	10,977	366,251	402	897	622	210	2,131
Commercial Banking1
CMS 1-10	44,994	192	—	—	45,186	23	1	—	—	24
CMS 11-14	30,261	3,305	—	—	33,566	76	75	—	—	151
CMS 15-18	762	2,330	—	—	3,092	9	121	—	—	130
CMS 19	—	255	—	—	255	—	18	—	—	18
CMS 20-23	—	—	2,892	—	2,892	—	—	943	—	943
	76,017	6,082	2,892	—	84,991	108	215	943	—	1,266
Other2
RMS 1-6	898	34	—	—	932	5	2	—	—	7
RMS 7-9	—	—	—	—	—	—	—	—	—	—
RMS 10	—	—	—	—	—	—	—	—	—	—
RMS 11-13	—	—	—	—	—	—	—	—	—	—
RMS 14	—	—	62	—	62	—	—	10	—	10
	898	34	62	—	994	5	2	10	—	17
CMS 1-10	192	—	—	—	192	—	—	—	—	—
CMS 11-14	(50)	—	—	—	(50)	—	—	—	—	—
CMS 15-18	—	—	—	—	—	—	—	—	—	—
CMS 19	2	—	—	—	2	—	—	—	—	—
CMS 20-23	—	—	7	—	7	—	—	6	—	6
	144	—	7	—	151	—	—	6	—	6
Central adjustment	—	—	—	—	—	400	—	—	—	400
Total loans and advances to customers	400,036	34,931	6,443	10,977	452,387	915	1,114	1,581	210	3,820
In respect of:
Retail	322,977	28,815	3,482	10,977	366,251	402	897	622	210	2,131
Commercial Banking	76,017	6,082	2,892	—	84,991	108	215	943	—	1,266
Other2	1,042	34	69	—	1,145	405	2	16	—	423
Total loans and advances to customers	400,036	34,931	6,443	10,977	452,387	915	1,114	1,581	210	3,820

1Restated, see page 64.

2Includes centralised fair value hedge accounting adjustments.