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Allowance for expected credit losses - Disclosure of Generation of Multiple Economic Assumptions by Quarter and by Year (Details)
Jun. 30, 2025
Dec. 31, 2024
Upside | 2025 to 2029 average %    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.60% 1.60%
Unemployment rate 3.50% 3.20%
House price growth 5.80% 5.10%
Commercial real estate price growth 3.60% 3.70%
UK Bank Rate 4.76% 5.08%
CPI inflation 2.90% 2.80%
Base case | 2025 to 2029 average %    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.30% 1.20%
Unemployment rate 4.70% 4.50%
House price growth 2.60% 2.00%
Commercial real estate price growth 0.90% 1.10%
UK Bank Rate 3.64% 3.98%
CPI inflation 2.70% 2.50%
Downside | 2025 to 2029 average %    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.50% 0.50%
Unemployment rate 6.80% 6.40%
House price growth (2.40%) (2.40%)
Commercial real estate price growth (3.00%) (2.70%)
UK Bank Rate 1.61% 2.36%
CPI inflation 2.10% 2.10%
Severe downside | 2025 to 2029 average %    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth (0.10%) (0.10%)
Unemployment rate 9.00% 8.40%
House price growth (6.90%) (6.70%)
Commercial real estate price growth (8.60%) (7.50%)
UK Bank Rate – modelled 0.94% 1.62%
UK Bank Rate – adjusted 3.15% 3.19%
CPI inflation – modelled 1.50% 1.70%
CPI inflation – adjusted 3.10% 2.10%
Probability-weighted | 2025 to 2029 average %    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.00% 1.00%
Unemployment rate 5.40% 5.10%
House price growth 1.20% 0.80%
Commercial real estate price growth (0.40%) (0.10%)
UK Bank Rate – modelled 3.10% 3.59%
UK Bank Rate – adjusted 3.32% 3.74%
CPI inflation – modelled 2.40% 2.40%
CPI inflation – adjusted 2.60% 2.40%
2025 % | Upside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.20% 0.80%
Unemployment rate 4.40% 4.30%
House price growth 3.60% 3.40%
Commercial real estate price growth 5.10% 0.70%
UK Bank Rate 4.21% 5.06%
CPI inflation 3.30% 2.60%
2025 % | Downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.60% 0.80%
Unemployment rate 5.20% 4.30%
House price growth 1.60% 3.40%
Commercial real estate price growth (1.60%) 0.70%
UK Bank Rate 4.02% 5.06%
CPI inflation 3.30% 2.60%
2025 % | Severe downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.10% 0.80%
Unemployment rate 5.80% 4.30%
House price growth 0.80% 3.40%
Commercial real estate price growth (6.50%) 0.70%
UK Bank Rate – modelled 3.88% 5.06%
UK Bank Rate – adjusted 4.34% 5.06%
CPI inflation – modelled 3.30% 2.60%
CPI inflation – adjusted 3.50% 2.60%
2025 % | Probability-weighted    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.90% 0.80%
Unemployment rate 4.90% 4.30%
House price growth 2.40% 3.40%
Commercial real estate price growth 0.90% 0.70%
UK Bank Rate – modelled 4.09% 5.06%
UK Bank Rate – adjusted 4.14% 5.06%
CPI inflation – modelled 3.30% 2.60%
CPI inflation – adjusted 3.30% 2.60%
2025 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.00% 0.80%
Unemployment rate 4.80% 4.30%
House price growth 2.60% 3.40%
Commercial real estate price growth 1.60% 0.70%
UK Bank Rate 4.13% 5.06%
CPI inflation 3.30% 2.60%
First quarter 2025 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.70% 0.70%
Unemployment rate 4.50% 4.30%
House price growth 2.90% 0.40%
Commercial real estate price growth 2.50% (5.30%)
UK Bank Rate 4.50% 5.25%
CPI inflation 2.80% 3.50%
Second quarter 2025 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.00% 0.40%
Unemployment rate 4.70% 4.20%
House price growth 3.10% 1.80%
Commercial real estate price growth 2.70% (4.70%)
UK Bank Rate 4.25% 5.25%
CPI inflation 3.60% 2.10%
Third quarter 2025 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.10% 0.00%
Unemployment rate 4.90% 4.30%
House price growth 2.70% 4.60%
Commercial real estate price growth 2.60% (2.80%)
UK Bank Rate 4.00% 5.00%
CPI inflation 3.40% 2.00%
Fourth quarter 2025 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.20% 0.10%
Unemployment rate 5.00% 4.40%
House price growth 2.60% 3.40%
Commercial real estate price growth 1.60% 0.70%
UK Bank Rate 3.75% 4.75%
CPI inflation 3.50% 2.50%
2026 % | Upside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 2.00% 1.90%
Unemployment rate 3.50% 3.50%
House price growth 6.50% 3.70%
Commercial real estate price growth 8.10% 7.80%
UK Bank Rate 4.50% 4.71%
CPI inflation 2.50% 2.80%
2026 % | Downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth (1.20%) (0.50%)
Unemployment rate 7.20% 6.00%
House price growth (0.80%) 0.60%
Commercial real estate price growth (6.80%) (7.80%)
UK Bank Rate 1.90% 3.53%
CPI inflation 2.50% 2.80%
2026 % | Severe downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth (3.00%) (1.90%)
Unemployment rate 9.70% 7.70%
House price growth (3.90%) (0.80%)
Commercial real estate price growth (16.00%) (17.40%)
UK Bank Rate – modelled 0.68% 2.68%
UK Bank Rate – adjusted 3.09% 4.03%
CPI inflation – modelled 2.50% 2.80%
CPI inflation – adjusted 3.80% 3.60%
2026 % | Probability-weighted    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.20% 0.50%
Unemployment rate 5.70% 5.00%
House price growth 2.20% 1.80%
Commercial real estate price growth (0.90%) (1.70%)
UK Bank Rate – modelled 3.06% 4.00%
UK Bank Rate – adjusted 3.30% 4.13%
CPI inflation – modelled 2.50% 2.80%
CPI inflation – adjusted 2.70% 2.90%
2026 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.00% 1.00%
Unemployment rate 5.00% 4.70%
House price growth 3.00% 2.10%
Commercial real estate price growth 1.10% 0.30%
UK Bank Rate 3.56% 4.19%
CPI inflation 2.70% 2.80%
First quarter 2026 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.30% 0.20%
Unemployment rate 5.00% 4.50%
House price growth 3.70% 3.60%
Commercial real estate price growth 1.20% 1.80%
UK Bank Rate 3.75% 4.50%
CPI inflation 3.00% 2.40%
Second quarter 2026 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.30% 0.30%
Unemployment rate 5.00% 4.60%
House price growth 4.00% 4.00%
Commercial real estate price growth 1.00% 1.40%
UK Bank Rate 3.50% 4.25%
CPI inflation 2.60% 3.00%
Third quarter 2026 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.40% 0.30%
Unemployment rate 4.90% 4.70%
House price growth 3.50% 3.00%
Commercial real estate price growth 1.00% 0.90%
UK Bank Rate 3.50% 4.00%
CPI inflation 2.60% 2.90%
Fourth quarter 2026 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.40% 0.30%
Unemployment rate 4.90% 4.80%
House price growth 3.00% 2.10%
Commercial real estate price growth 1.10% 0.30%
UK Bank Rate 3.50% 4.00%
CPI inflation 2.40% 2.70%
2027 % | Upside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.80% 2.20%
Unemployment rate 3.10% 2.80%
House price growth 7.90% 6.50%
Commercial real estate price growth 3.80% 6.70%
UK Bank Rate 4.84% 5.02%
CPI inflation 2.70% 2.60%
2027 % | Downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.60% (0.40%)
Unemployment rate 7.50% 7.40%
House price growth (5.90%) (5.50%)
Commercial real estate price growth (1.60%) (3.10%)
UK Bank Rate 0.99% 1.56%
CPI inflation 1.90% 2.30%
2027 % | Severe downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 0.00% (1.50%)
Unemployment rate 10.20% 10.00%
House price growth (13.40%) (12.40%)
Commercial real estate price growth (7.40%) (8.50%)
UK Bank Rate – modelled 0.11% 0.28%
UK Bank Rate – adjusted 2.80% 2.70%
CPI inflation – modelled 1.40% 1.90%
CPI inflation – adjusted 3.20% 2.10%
2027 % | Probability-weighted    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.10% 0.80%
Unemployment rate 5.60% 5.50%
House price growth 0.00% (0.70%)
Commercial real estate price growth 0.30% 1.00%
UK Bank Rate – modelled 2.81% 3.09%
UK Bank Rate – adjusted 3.08% 3.33%
CPI inflation – modelled 2.20% 2.40%
CPI inflation – adjusted 2.40% 2.40%
2027 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.50% 1.40%
Unemployment rate 4.70% 4.70%
House price growth 2.30% 1.00%
Commercial real estate price growth 1.30% 2.50%
UK Bank Rate 3.50% 3.63%
CPI inflation 2.40% 2.40%
2028 % | Upside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.40% 1.50%
Unemployment rate 3.10% 2.70%
House price growth 6.20% 6.60%
Commercial real estate price growth 1.10% 3.20%
UK Bank Rate 5.05% 5.19%
CPI inflation 3.10% 2.90%
2028 % | Downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.30% 1.00%
Unemployment rate 7.20% 7.40%
House price growth (4.70%) (6.60%)
Commercial real estate price growth (2.30%) (0.90%)
UK Bank Rate 0.68% 0.96%
CPI inflation 1.50% 1.80%
2028 % | Severe downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.20% 0.70%
Unemployment rate 9.80% 10.00%
House price growth (10.90%) (13.60%)
Commercial real estate price growth (6.70%) (5.50%)
UK Bank Rate – modelled 0.03% 0.08%
UK Bank Rate – adjusted 2.77% 2.23%
CPI inflation – modelled 0.50% 1.00%
CPI inflation – adjusted 2.80% 1.40%
2028 % | Probability-weighted    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.40% 1.20%
Unemployment rate 5.40% 5.40%
House price growth 0.10% (1.00%)
Commercial real estate price growth (1.00%) 0.70%
UK Bank Rate – modelled 2.77% 2.90%
UK Bank Rate – adjusted 3.04% 3.12%
CPI inflation – modelled 2.20% 2.20%
CPI inflation – adjusted 2.40% 2.30%
2028 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.50% 1.50%
Unemployment rate 4.50% 4.50%
House price growth 2.50% 1.40%
Commercial real estate price growth 0.30% 1.90%
UK Bank Rate 3.50% 3.50%
CPI inflation 2.50% 2.40%
2029 % | Upside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.40% 1.40%
Unemployment rate 3.20% 2.80%
House price growth 4.80% 5.40%
Commercial real estate price growth 0.40% 0.50%
UK Bank Rate 5.21% 5.42%
CPI inflation 3.10% 3.00%
2029 % | Downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.50% 1.50%
Unemployment rate 7.00% 7.10%
House price growth (1.80%) (3.40%)
Commercial real estate price growth (2.70%) (2.30%)
UK Bank Rate 0.46% 0.68%
CPI inflation 1.10% 1.20%
2029 % | Severe downside    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.40% 1.30%
Unemployment rate 9.40% 9.70%
House price growth (6.30%) (8.80%)
Commercial real estate price growth (5.70%) (5.70%)
UK Bank Rate – modelled 0.01% 0.02%
UK Bank Rate – adjusted 2.76% 1.95%
CPI inflation – modelled (0.10%) 0.10%
CPI inflation – adjusted 2.40% 0.80%
2029 % | Probability-weighted    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.40% 1.40%
Unemployment rate 5.40% 5.30%
House price growth 1.10% 0.40%
Commercial real estate price growth (1.20%) (1.10%)
UK Bank Rate – modelled 2.75% 2.88%
UK Bank Rate – adjusted 3.03% 3.08%
CPI inflation – modelled 2.00% 1.90%
CPI inflation – adjusted 2.20% 2.00%
2029 % | Base case    
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]    
Gross domestic product growth 1.50% 1.50%
Unemployment rate 4.50% 4.50%
House price growth 2.80% 2.40%
Commercial real estate price growth 0.00% 0.00%
UK Bank Rate 3.50% 3.50%
CPI inflation 2.40% 2.20%