Credit quality of loans and advances to customers (Tables)

6 Months Ended

Jun. 30, 2024

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

Schedule of credit quality of loans and advances to customers

		Gross drawn exposures								Allowance for expected credit losses
At 30 June 2024	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 – UK mortgages
RMS 1–3		245,910		8,272		–	–	254,182		54		51		–	–	105
RMS 4–6		20,300		15,522		–	–	35,822		26		109		–	–	135
RMS 7–9		98		2,001		–	–	2,099		1		35		–	–	36
RMS 10		–		973		–	–	973		–		23		–	–	23
RMS 11–13		–		3,074		–	–	3,074		–		108		–	–	108
RMS 14		–		–		4,542	7,218	11,760		–		–		331	225	556
		266,308		29,842		4,542	7,218	307,910		81		326		331	225	963
Retail – credit cards
RMS 1–3		4,665		3		–	–	4,668		9		–		–	–	9
RMS 4–6		7,357		1,185		–	–	8,542		85		56		–	–	141
RMS 7–9		1,303		918		–	–	2,221		52		116		–	–	168
RMS 10		4		166		–	–	170		–		35		–	–	35
RMS 11–13		–		329		–	–	329		–		117		–	–	117
RMS 14		–		–		290	–	290		–		–		133	–	133
		13,329		2,601		290	–	16,220		146		324		133	–	603
Retail – UK unsecured loans and overdrafts
RMS 1–3		855		1		–	–	856		2		–		–	–	2
RMS 4–6		6,209		437		–	–	6,646		89		27		–	–	116
RMS 7–9		1,153		347		–	–	1,500		41		40		–	–	81
RMS 10		34		118		–	–	152		3		23		–	–	26
RMS 11–13		10		310		–	–	320		1		104		–	–	105
RMS 14		–		–		186	–	186		–		–		110	–	110
		8,261		1,213		186	–	9,660		136		194		110	–	440
Retail – UK Motor Finance
RMS 1–3		9,978		646		–	–	10,624		132		14		–	–	146
RMS 4–6		3,747		1,092		–	–	4,839		46		34		–	–	80
RMS 7–9		458		272		–	–	730		4		16		–	–	20
RMS 10		–		91		–	–	91		–		11		–	–	11
RMS 11–13		2		187		–	–	189		–		37		–	–	37
RMS 14		–		–		117	–	117		–		–		67	–	67
		14,185		2,288		117	–	16,590		182		112		67	–	361
Retail – other
RMS 1–3		14,153		250		–	–	14,403		3		4		–	–	7
RMS 4–6		2,200		167		–	–	2,367		10		10		–	–	20
RMS 7–9		–		90		–	–	90		–		5		–	–	5
RMS 10		–		5		–	–	5		–		–		–	–	–
RMS 11–13		81		10		–	–	91		–		–		–	–	–
RMS 14		–		–		163	–	163		–		–		45	–	45
		16,434		522		163	–	17,119		13		19		45	–	77
Total Retail		318,517		36,466		5,298	7,218	367,499		558		975		686	225	2,444

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

Note 13: Credit quality of loans and advances to customers (continued)

		Gross drawn exposures								Allowance for expected credit losses
At 30 June 2024	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
Commercial Banking
CMS 1–5		23,261		6		–	–	23,267		3		–		–	–	3
CMS 6–10		20,029		63		–	–	20,092		14		–		–	–	14
CMS 11–14		32,843		2,133		–	–	34,976		127		29		–	–	156
CMS 15–18		4,286		3,610		–	–	7,896		70		190		–	–	260
CMS 19		32		631		–	–	663		–		57		–	–	57
CMS 20–23		–		–		2,055	–	2,055		–		–		390	–	390
		80,451		6,443		2,055	–	88,949		214		276		390	–	880
Other1		(716)		–		–	–	(716)		–		–		–	–	–
Total loans and advances to customers		398,252		42,909		7,353	7,218	455,732		772		1,251		1,076	225	3,324

1Gross drawn exposures include centralised fair value hedge accounting adjustments.

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

Note 13: Credit quality of loans and advances to customers (continued)

	Gross drawn exposures					Allowance for expected credit losses
At 31 December 2023	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 – UK mortgages
RMS 1–3	226,740	4,137	–	–	230,877	123	37	–	–	160
RMS 4–6	29,637	27,037	–	–	56,674	38	151	–	–	189
RMS 7–9	219	2,713	–	–	2,932	–	37	–	–	37
RMS 10	–	590	–	–	590	–	13	–	–	13
RMS 11–13	–	4,056	–	–	4,056	–	136	–	–	136
RMS 14	–	–	4,337	7,854	12,191	–	–	357	213	570
	256,596	38,533	4,337	7,854	307,320	161	374	357	213	1,105
Retail – credit cards
RMS 1–3	3,906	5	–	–	3,911	9	–	–	–	9
RMS 4–6	7,159	1,248	–	–	8,407	91	65	–	–	156
RMS 7–9	1,548	1,069	–	–	2,617	67	145	–	–	212
RMS 10	12	220	–	–	232	1	50	–	–	51
RMS 11–13	–	366	–	–	366	–	141	–	–	141
RMS 14	–	–	284	–	284	–	–	130	–	130
	12,625	2,908	284	–	15,817	168	401	130	–	699
Retail – UK unsecured loans and overdrafts
RMS 1–3	638	1	–	–	639	1	–	–	–	1
RMS 4–6	5,152	250	–	–	5,402	83	18	–	–	101
RMS 7–9	1,256	473	–	–	1,729	44	50	–	–	94
RMS 10	43	135	–	–	178	4	27	–	–	31
RMS 11–13	14	328	–	–	342	2	113	–	–	115
RMS 14	–	–	196	–	196	–	–	118	–	118
	7,103	1,187	196	–	8,486	134	208	118	–	460
Retail – UK Motor Finance
RMS 1–3	9,979	569	–	–	10,548	142	12	–	–	154
RMS 4–6	2,791	998	–	–	3,789	41	29	–	–	70
RMS 7–9	769	228	–	–	997	3	13	–	–	16
RMS 10	–	63	–	–	63	–	7	–	–	7
RMS 11–13	2	169	–	–	171	–	30	–	–	30
RMS 14	–	–	112	–	112	–	–	63	–	63
	13,541	2,027	112	–	15,680	186	91	63	–	340
Retail – other
RMS 1–3	13,613	240	–	–	13,853	3	4	–	–	7
RMS 4–6	2,197	186	–	–	2,383	16	13	–	–	29
RMS 7–9	–	86	–	–	86	–	4	–	–	4
RMS 10	–	6	–	–	6	–	–	–	–	–
RMS 11–13	88	7	–	–	95	–	–	–	–	–
RMS 14	–	–	144	–	144	–	–	47	–	47
	15,898	525	144	–	16,567	19	21	47	–	87
Total Retail	305,763	45,180	5,073	7,854	363,870	668	1,095	715	213	2,691

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

Note 13: Credit quality of loans and advances to customers (continued)

	Gross drawn exposures					Allowance for expected credit losses
At 31 December 2023	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
Commercial Banking
CMS 1–5	14,100	7	–	–	14,107	2	–	–	–	2
CMS 6–10	30,534	124	–	–	30,658	32	–	–	–	32
CMS 11–14	31,210	2,927	–	–	34,137	133	59	–	–	192
CMS 15–18	3,719	4,115	–	–	7,834	65	232	–	–	297
CMS 19	11	814	–	–	825	–	81	–	–	81
CMS 20–23	–	–	2,068	–	2,068	–	–	418	–	418
	79,574	7,987	2,068	–	89,629	232	372	418	–	1,022
Other1	(43)	–	6	–	(37)	–	–	4	–	4
Total loans and advances to customers	385,294	53,167	7,147	7,854	453,462	900	1,467	1,137	213	3,717

1Gross drawn exposures include centralised fair value hedge accounting adjustments.