XML 558 R194.htm IDEA: XBRL DOCUMENT v3.25.4
Allowance for expected credit losses - Group ECL with staging of assets (Details) - GBP (£)
£ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 907,307 £ 870,816  
Retail – UK mortgages      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 323,087 £ 312,280  
Drawn ECL coverage (%) 0.20% 0.30%  
Retail – UK mortgages | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 284,256 £ 269,707  
Drawn ECL coverage (%) 0.00% 0.00%  
Retail – UK mortgages | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 30,207 £ 32,722  
Drawn ECL coverage (%) 0.70% 0.80%  
Retail – UK mortgages | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 3,707 £ 3,831  
Drawn ECL coverage (%) 7.70% 8.00%  
Retail – UK mortgages | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 4,917 £ 6,020  
Drawn ECL coverage (%) 3.10% 3.00%  
Credit cards      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 17,344 £ 15,661  
Credit cards | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 15,113 £ 13,385  
Drawn ECL coverage (%) 1.00% 1.10%  
Credit cards | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 2,078 £ 2,144  
Drawn ECL coverage (%) 10.70% 12.20%  
Credit cards | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 153 £ 132  
Drawn ECL coverage (%) 44.20% 50.20%  
Credit cards | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Drawn ECL coverage (%) 2.90% 3.60%  
Commercial Banking      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 90,307 £ 87,602  
Drawn ECL coverage (%) 0.90% 1.00%  
Commercial Banking | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 83,847 £ 81,272  
Drawn ECL coverage (%) 0.20% 0.30%  
Commercial Banking | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 5,085 £ 4,904  
Drawn ECL coverage (%) 5.20% 5.10%  
Commercial Banking | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 1,375 £ 1,426  
Drawn ECL coverage (%) 21.70% 22.50%  
Gross carrying amount | Retail – UK mortgages      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 323,813 £ 313,128 £ 307,320
Gross carrying amount | Retail – UK mortgages | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 284,307 269,760 256,596
Gross carrying amount | Retail – UK mortgages | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 30,414 32,995 38,533
Gross carrying amount | Retail – UK mortgages | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 4,016 4,166 4,337
Gross carrying amount | Retail – UK mortgages | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 5,076 6,207 7,854
Gross carrying amount | Credit cards      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 17,858 16,240 15,817
Gross carrying amount | Credit cards | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 15,258 13,534 12,625
Gross carrying amount | Credit cards | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 2,326 2,441 2,908
Gross carrying amount | Credit cards | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 274 265 284
Gross carrying amount | Credit cards | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Gross carrying amount | Commercial Banking      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 91,141 88,484 89,629
Gross carrying amount | Commercial Banking | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 84,020 81,477 79,574
Gross carrying amount | Commercial Banking | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 5,364 5,168 7,987
Gross carrying amount | Commercial Banking | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 1,757 1,839 2,068
Gross carrying amount | Commercial Banking | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Gross carrying amount | Other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 540 5  
Gross carrying amount | Other | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 540 5  
Gross carrying amount | Other | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Gross carrying amount | Other | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Gross carrying amount | Other | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (3,228) (3,481)  
Allowance for expected credit losses | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (861) (889)  
Allowance for expected credit losses | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (1,160) (1,286)  
Allowance for expected credit losses | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (1,048) (1,119)  
Allowance for expected credit losses | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (159) (187)  
Allowance for expected credit losses | Retail – UK mortgages      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (726) (848) (1,105)
Allowance for expected credit losses | Retail – UK mortgages | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (51) (53) (161)
Allowance for expected credit losses | Retail – UK mortgages | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (207) (273) (374)
Allowance for expected credit losses | Retail – UK mortgages | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (309) (335) (357)
Allowance for expected credit losses | Retail – UK mortgages | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (159) (187) (213)
Allowance for expected credit losses | Credit cards      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (514) (579) (699)
Allowance for expected credit losses | Credit cards | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (145) (149) (168)
Allowance for expected credit losses | Credit cards | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (248) (297) (401)
Allowance for expected credit losses | Credit cards | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (121) (133) (130)
Allowance for expected credit losses | Credit cards | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Other Retail      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (937) (882)  
Allowance for expected credit losses | Other Retail | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (368) (329)  
Allowance for expected credit losses | Other Retail | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (343) (326)  
Allowance for expected credit losses | Other Retail | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (226) (227)  
Allowance for expected credit losses | Other Retail | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Commercial Banking      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (834) (882) (1,022)
Allowance for expected credit losses | Commercial Banking | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (173) (205) (232)
Allowance for expected credit losses | Commercial Banking | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (279) (264) (372)
Allowance for expected credit losses | Commercial Banking | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets (382) (413) £ (418)
Allowance for expected credit losses | Commercial Banking | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Other      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Other | Stage 1 and 2 | 12-month expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Other | Stage 1 and 2 | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Other | Stage 3 £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets 0 0  
Allowance for expected credit losses | Other | POCI £m | Lifetime expected credit losses      
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items]      
Total financial assets £ 0 £ 0