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Loan impairment provisions (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2021
Loan impairment provisions |
Schedule of loan exposure and impairment metrics | ​
​ | ​ | ​ | ​ | ​
​ | ​ | 2021 | ​ | 2020
​ |  | £m |  | £m
Loans - amortised cost |  |  |  |
Stage 1 |  | 330,824 |  | 287,124
Stage 2 |  | 33,981 |  | 78,917
Stage 3 |  | 5,022 |  | 6,358
Of which: individual | ​ | 1,215 | ​ | 2,292
Of which: collective |  | 3,807 |  | 4,066
​ | ​ | 369,827 | ​ | 372,399
ECL provisions (1) |  | ​ |  | ​
- Stage 1 |  | 302 |  | 519
- Stage 2 |  | 1,478 |  | 3,081
- Stage 3 |  | 2,026 |  | 2,586
Of which: individual | ​ | 363 | ​ | 831
Of which: collective | ​ | 1,663 | ​ | 1,755
​ |  | 3,806 |  | 6,186
ECL provision coverage (2,3) |  | ​ |  | ​
- Stage 1 (%) | ​ | 0.09 |  | 0.18
- Stage 2 (%) | ​ | 4.35 |  | 3.90
- Stage 3 (%) | ​ | 40.34 |  | 40.67
​ |  | 1.03 |  | 1.66
Continuing operations | ​ | ​ | ​ | ​
Impairment (releases)/losses |  | ​ |  | ​
ECL (release)/charge (3,4) | ​ | (1,278) | ​ | 3,131
Stage 1 | ​ | (1,377) | ​ | (89)
Stage 2 | ​ | (187) | ​ | 2,601
Stage 3 | ​ | 286 | ​ | 619
Of which: individual | ​ | 20 | ​ | 194
Of which: collective | ​ | 266 | ​ | 425
​ | ​ | ​ | ​ | ​
Amounts written off |  | 876 |  | 937
Of which: individual | ​ | 455 | ​ | 191
Of which: collective |  | 421 |  | 746
​
(1) | Includes £5 million (2020 - £6 million) related to assets classified as FVOCI.
(2) | ECL provisions coverage is calculated as total ECL provisions divided by third party loans – amortised cost and FVOCI.
(3) | Includes a £3 million charge (2020 - £12 million charge) related to other financial assets, of which £2 million release (2020 - £2 million charge) related to assets classified as FVOCI; and £34 million release (2020 - £28 million charge) related to contingent liabilities.
(4) | Comparative results have been re-presented from those previously published to reclassify certain operations as discontinued operations as described in Note 8.
(5) | The table shows gross loans only and excludes amounts that are outside the scope of the ECL framework. Refer to Financial instruments within the scope of the IFRS 9 ECL framework for further details. Other financial assets within the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling £176.3 billion (2020 - £122.8 billion) and debt securities of £44.9 billion (2020 – £53.8 billion).

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