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Financial instruments - classification - Amount receivable under finance leases (Details) - GBP (£) £ in Millions | Dec. 31, 2024 | Dec. 31, 2023
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Amount receivable under finance leases |  |
Total lease payments | £ 9,953 | £ 9,690
Unguaranteed residual values | (150) | (169)
Future drawdowns | (12) | (12)
Unearned income | (1,001) | (1,025)
Present value of lease payments | 9,090 | 8,822
Impairments | (92) | (91)
Net investment in finance lease | 8,998 | 8,731
Within 1 year |  |
Amount receivable under finance leases |  |
Total lease payments | 3,493 | 3,340
1 to 2 years |  |
Amount receivable under finance leases |  |
Total lease payments | 2,499 | 2,358
2 to 3 years |  |
Amount receivable under finance leases |  |
Total lease payments | 1,612 | 1,625
3 to 4 years |  |
Amount receivable under finance leases |  |
Total lease payments | 842 | 900
4 to 5 years |  |
Amount receivable under finance leases |  |
Total lease payments | 464 | 388
After 5 years |  |
Amount receivable under finance leases |  |
Total lease payments | £ 1,043 | £ 1,079

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- Definition The amount of the discounted unguaranteed residual value of assets subject to finance leases. Unguaranteed residual value is the portion of the residual value of the underlying asset, the realisation of which by a lessor is not assured or is guaranteed solely by a party related to the lessor. Finance lease is a lease that transfers substantially all the risks and rewards incidental to ownership of an underlying asset. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2024-01-01 -Paragraph 94 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2024-en-r&anchor=para_94&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The gross investment in the finance lease discounted at the interest rate implicit in the lease. Finance lease is a lease that transfers substantially all the risks and rewards incidental to ownership of an underlying asset. Gross investment in the finance lease is the sum of: (a) the lease payments receivable by a lessor under a finance lease; and (b) any unguaranteed residual value accruing to the lessor. Interest rate implicit in the lease is the rate of interest that causes the present value of (a) the lease payments and (b) the unguaranteed residual value to equal to the sum of (i) the fair value of the underlying asset and (ii) the initial direct costs of the lessor. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2024-01-01 -Paragraph 94 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2024-en-r&anchor=para_94&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of undiscounted finance lease payments to be received. Finance lease is a lease that transfers substantially all the risks and rewards incidental to ownership of an underlying asset. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2024-01-01 -Paragraph 94 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2024-en-r&anchor=para_94&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of unearned finance income relating to the finance lease payments receivable. Finance lease is a lease that transfers substantially all the risks and rewards incidental to ownership of an underlying asset. [Refer: Finance income] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2024-01-01 -Paragraph 94 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2024-en-r&anchor=para_94&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of accumulated impairment loss on lessor finance leases. + References No definition available. + Details
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- Definition The amount of future minimum lease payments receivable under non-cancellable operating leases. Minimum lease payments are payments over the lease term that the lessee is or can be required to make, excluding contingent rent, costs for services and taxes to be paid by, and reimbursed to, the lessor, together with: (a) for a lessee, any amounts guaranteed by the lessee or by a party related to the lessee; or (b) for a lessor, any residual value guaranteed to the lessor by: (i) the lessee; (ii) a party related to the lessee; or (iii) a third party unrelated to the lessor that is financially capable of discharging the obligations under the guarantee. + References No definition available. + Details
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