XML 98 R92.htm IDEA: XBRL DOCUMENT v3.23.2
Allowance for expected credit losses - Disclosure of Application of Judgement in Adjustments to Modelled ECL Narrative (Details) - GBP (£)
£ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Dec. 31, 2022
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets £ 5,117   £ 4,903
Inflation And Interest Rate Risk [Member]      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 242   195
Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 3   135
Credit cards      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 769   763
Credit cards | Inflation And Interest Rate Risk [Member]      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 100   93
Credit cards | Inflation And Interest Rate Risk [Member] | Retail      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 100   93
Credit cards | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets (49)   (28)
Credit cards | Extension of modelled lifetime on revolving products | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 73   82
Credit cards | Credit card loss given default alignment | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets (109)   (96)
Other Retail      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 1,030   1,016
Other Retail | Inflation And Interest Rate Risk [Member]      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 56   53
Other Retail | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 29   60
Other Retail | Extension of modelled lifetime on revolving products | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 12   14
Other Retail | Credit card loss given default alignment | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 12   13
Retail excluding UK mortgages | Inflation And Interest Rate Risk [Member] | Retail      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 56   53
UK mortgages      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets £ 1,331   1,209
UK mortgages | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Probability of default loans and advances to customers 70.00%    
UK mortgages | Inflation And Interest Rate Risk [Member]      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets £ 86   49
UK mortgages | Inflation And Interest Rate Risk [Member] | Inflationary judgements      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 86   49
UK mortgages | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 163   214
UK mortgages | Mortgage accounts in long term default | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 120   118
UK mortgages | Asset recovery values | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 89 £ 69  
UK mortgages | Specific segment risk | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets 25   25
UK mortgages | Stage 2 oversensitivity | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets (72)   0
Commercial Banking      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 1,943   1,869
Commercial Banking | Inflation And Interest Rate Risk [Member]      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets 0   0
Commercial Banking | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets (140)   (111)
Commercial Banking | Loss given defaults | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Allowance account for credit losses of financial assets (105)   (105)
Commercial Banking | Corporate insolvency rate | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets (147)   (35)
Commercial Banking | Commercial real estate price reduction | Judgements due to other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Increase (decrease) in allowance account for credit losses of financial assets £ 83   £ 0