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Loan impairment provisions (Tables) | 12 Months Ended
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Dec. 31, 2022
Loan impairment provisions |
Schedule of loan exposure and impairment metrics | ​
​ | ​ | ​ | ​ | ​
​ | ​ | 2022 | ​ | 2021
​ |  | £m |  | £m
Loans - amortised cost and FVOCI |  |  |  |
Stage 1 |  | 325,224 |  | 330,824
Stage 2 |  | 46,833 |  | 33,981
Stage 3 |  | 5,096 |  | 5,022
Of which: individual | ​ | 1,121 | ​ | 1,215
Of which: collective |  | 3,975 |  | 3,807
​ | ​ | 377,153 | ​ | 369,827
ECL provisions (1) |  | ​ |  | ​
- Stage 1 |  | 632 |  | 302
- Stage 2 |  | 1,043 |  | 1,478
- Stage 3 |  | 1,759 |  | 2,026
Of which: individual | ​ | 287 | ​ | 363
Of which: collective | ​ | 1,472 | ​ | 1,663
​ |  | 3,434 |  | 3,806
ECL provision coverage (2) |  | ​ |  | ​
- Stage 1 (%) | ​ | 0.19 |  | 0.09
- Stage 2 (%) | ​ | 2.23 |  | 4.35
- Stage 3 (%) | ​ | 34.52 |  | 40.34
​ |  | 0.91 |  | 1.03
Continuing operations | ​ | ​ | ​ | ​
Impairment (releases)/losses |  | ​ |  | ​
ECL (release)/charge (3,4) | ​ | 337 | ​ | (1,173)
Stage 1 | ​ | (290) | ​ | (1,317)
Stage 2 | ​ | 393 | ​ | (164)
Stage 3 | ​ | 234 | ​ | 308
Of which: individual | ​ | 54 | ​ | 20
Of which: collective | ​ | 180 | ​ | 288
​ | ​ | ​ | ​ | ​
Amounts written off |  | 482 |  | 876
Of which: individual | ​ | 168 | ​ | 455
Of which: collective |  | 314 |  | 421
​
(1) | Includes loans to customers and banks.
(2) | Includes £3 million (2021 - £5 million) related to assets classified as FVOCI and £0.1 billion (2021 - £0.1 billion related to off-balance sheet exposures.
(3) | ECL provisions coverage is calculated as total ECL provisions divided by loans – amortised cost and FVOCI. It is calculated on third party loans and total ECL provisions.
(4) | Includes a £3 million charge (2021 - £3 million release) related to other financial assets, of which nil (2021 - £2 million release) related to assets classified as FVOCI; and £5 million release (2021 - £34 million release) related to contingent liabilities.
(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 £143.3 billion (2021 - £176.3 billion) and debt securities of £29.9 billion (2021 – £44.9 billion).
​

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