XML 79 R72.htm IDEA: XBRL DOCUMENT v3.24.2
Allowance for expected credit losses - Narrative (Details) - Allowance for expected credit losses - GBP (£)
£ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2024
Dec. 31, 2023
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses £ 3,630 £ 4,084
Probability weighted relative to base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets 468 678
Judgements due to other    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses (100) (158)
Inflationary and interest rate risk    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 35 186
UK mortgages    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 971 1,115
UK mortgages | Judgements due to other    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 142 63
UK mortgages | Inflationary and interest rate risk    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 23 61
UK mortgages | Other Judgements | Single point of loss model limitation    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets 46 0
UK mortgages | Other Judgements | Mortgage accounts in long term default    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets 98 106
Credit cards    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 700 810
Credit cards | Judgements due to other    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 15 15
Credit cards | Inflationary and interest rate risk    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 6 92
Credit cards | Other Judgements | Extension Of Modelled Lifetime On Retail Revolving Products    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets 60 67
Credit cards | Other Judgements | Credit card loss given default alignment    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets (50) (50)
Retail excluding UK mortgages    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 942 945
Retail excluding UK mortgages | Judgements due to other    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 58 46
Retail excluding UK mortgages | Inflationary and interest rate risk    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 6 33
Retail excluding UK mortgages | Other Judgements | Extension Of Modelled Lifetime On Retail Revolving Products    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets 10 10
Retail excluding UK mortgages | Other Judgements | Credit card loss given default alignment    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets 18 37
Commercial Banking    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 999 1,182
Commercial Banking | Judgements due to other    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses (315) (282)
Commercial Banking | Inflationary and interest rate risk    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Allowance for expected credit losses 0 0
Commercial Banking | Other Judgements | Corporate Insolvency Rates    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets (304) (292)
Commercial Banking | Other Judgements | Loss Given Default Alignment (LGD)    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets (90) (105)
Commercial Banking | Other Judgements | Commercial real estate price reduction    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Increase (decrease) in financial assets £ 54 £ 67