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Loan impairment provisions (Tables) | 6 Months Ended
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Jun. 30, 2022
Loan impairment provisions |
Schedule of loan exposure and impairment metrics | ​
​ | ​ | ​ | ​ | ​
​ |  | 30 June | ​ | 31 December
​ | ​ | 2022 | ​ | 2021
​ | ​ | £m | ​ | £m
Loans - amortised cost and FVOCI |  | ​ | ​ |
Stage 1 |  | 342,121 | ​ | 330,824
Stage 2 |  | 28,505 | ​ | 33,981
Stage 3 |  | 5,816 | ​ | 5,022
Of which: individual | ​ | 1,162 | ​ | 1,215
Of which: collective |  | 4,654 | ​ | 3,807
​ | ​ | 376,442 | ​ | 369,827
ECL provisions (1) |  | ​ | ​ | ​
Stage 1 |  | 408 | ​ | 302
Stage 2 |  | 1,122 | ​ | 1,478
Stage 3 |  | 1,985 | ​ | 2,026
Of which: individual | ​ | 304 | ​ | 363
Of which: collective | ​ | 1,681 | ​ | 1,663
​ |  | 3,515 | ​ | 3,806
ECL provisions coverage (2) |  | ​ | ​ | ​
Stage 1 (%) | ​ | 0.12 | ​ | 0.09
Stage 2 (%) | ​ | 3.94 | ​ | 4.35
Stage 3 (%) | ​ | 34.13 | ​ | 40.34
​ |  | 0.93 | ​ | 1.03
​ | ​ | ​ | ​ | ​
​ | ​ | Half year ended
​ | ​ | 30 June | ​ | 30 June
​ | ​ | 2022 | ​ | 2021
​ | ​ | £m | ​ | £m
Impairment losses |  | ​ | ​ | ​
ECL (release)/charge (3) | ​ | (54) | ​ | (683)
Stage 1 | ​ | (342) | ​ | (662)
Stage 2 | ​ | 205 | ​ | (114)
Stage 3 | ​ | 83 | ​ | 93
Of which: individual | ​ | (1) | ​ | (25)
Of which: collective | ​ | 84 | ​ | 118
​ |  | ​ | ​ | ​
Amounts written off |  | 215 | ​ | 517
Of which: individual | ​ | 58 | ​ | 256
Of which: collective |  | 157 | ​ | 261
​
(1) | Includes £3 million (31 December 2021 - £5 million) related to assets classified as FVOCI.
(2) | ECL provisions coverage is calculated as ECL provisions divided by loans. It is calculated on third party loans and total ECL provisions.
(3) | Includes a £2 million release (30 June 2021 – £4 million charge) related to other financial assets, of which nil (30 June 2021 – nil) related to assets classified as FVOCI; and £3 million (30 June 2021 - £2 million) related to contingent liabilities.
(4) | The table shows gross loans only and excludes amounts that are outside the scope of the ECL framework. Refer to page 34 for 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 £178.4 billion (31 December 2021 – £176.3 billion) and debt securities of £38.6 billion (31 December 2021 – £44.9 billion).

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