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Loan impairment provisions (Tables) | 12 Months Ended
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Dec. 31, 2024
Loan impairment provisions |
Schedule of loan exposure and impairment metrics | ​
​ | ​ | ​ | ​ | ​
​ | ​ | 2024 | ​ | 2023
​ |  | £m |  | £m
Loans - amortised cost and FVOCI (1,2) |  |  |  |
Stage 1 |  | 363,821 |  | 348,586
Stage 2 |  | 40,474 |  | 37,891
Stage 3 |  | 5,930 |  | 5,563
Of which: individual | ​ | 1,285 | ​ | 1,031
Of which: collective |  | 4,645 |  | 4,532
​ | ​ | 410,225 | ​ | 392,040
ECL provisions (3) |  | ​ |  | ​
- Stage 1 |  | 598 |  | 709
- Stage 2 |  | 787 |  | 976
- Stage 3 |  | 2,040 |  | 1,960
Of which: individual | ​ | 451 | ​ | 332
Of which: collective | ​ | 1,589 | ​ | 1,628
​ |  | 3,425 |  | 3,645
ECL provision coverage (4) |  | ​ |  | ​
- Stage 1 (%) | ​ | 0.16 |  | 0.20
- Stage 2 (%) | ​ | 1.94 |  | 2.58
- Stage 3 (%) | ​ | 34.40 |  | 35.23
​ |  | 0.83 |  | 0.93
Continuing operations | ​ | ​ | ​ | ​
Impairment (releases)/losses |  | ​ |  | ​
ECL charge (5) | ​ | 359 | ​ | 578
Stage 1 | ​ | (438) | ​ | (397)
Stage 2 | ​ | 360 | ​ | 645
Stage 3 | ​ | 437 | ​ | 330
Of which: individual | ​ | 192 | ​ | 89
Of which: collective | ​ | 245 | ​ | 241
Amounts written off |  | 654 |  | 319
Of which: individual | ​ | 144 | ​ | 42
Of which: collective |  | 510 |  | 277
​
(1) | 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 £91.8 billion (2023 – £103.1 billion) and debt securities of £62.4 billion (2023 – £50.1 billion).
(2) | Includes loans to customers and banks.
(3) | Includes £4 million (2023 - £9 million) related to assets classified as FVOCI and £0.1 billion (2023 - £0.1 billion) related to off-balance sheet exposures.
(4) | ECL provisions coverage is calculated as ECL provisions divided by loans – amortised cost and FVOCI. It is calculated on loans and total ECL provisions, including ECL for other (non-loan) assets and unutilised exposure. Some segments with a high proportion of debt securities or unutilised exposure may result in a not meaningful coverage ratio.
(5) | Includes a £12 million release (2023 - £16 million release) related to other financial assets, of which £4 million release (2023 - £6 million charge) related to assets classified as FVOCI; and £5 million release (2023 - £9 million release) related to contingent liabilities.

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