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Loan impairment provisions | 6 Months Ended
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Jun. 30, 2025
Loan impairment provisions |
Loan impairment provisions | 10. Loan impairment provisions Loan exposure and impairment metrics The table below summarises loans and related credit impairment measures on an IFRS 9 basis. ​
​ | ​ | ​ | ​ | ​
​ |  | 30 June | ​ | 31 December
​ | ​ | 2025 | ​ | 2024
​ | ​ | £m | ​ | £m
Loans - amortised cost and FVOCI (1,2) |  | ​ | ​ |
Stage 1 |  | 371,875 | ​ | 363,821
Stage 2 |  | 40,193 | ​ | 40,474
Stage 3 |  | 5,823 | ​ | 5,930
Of which: individual | ​ | 1,522 | ​ | 1,285
Of which: collective |  | 4,301 | ​ | 4,645
​ | ​ | 417,891 | ​ | 410,225
ECL provisions (3) |  | ​ | ​ | ​
Stage 1 |  | 648 | ​ | 598
Stage 2 |  | 741 | ​ | 787
Stage 3 |  | 2,261 | ​ | 2,040
Of which: individual | ​ | 611 | ​ | 451
Of which: collective | ​ | 1,650 | ​ | 1,589
​ |  | 3,650 | ​ | 3,425
ECL provisions coverage (4) |  | ​ | ​ | ​
Stage 1 (%) | ​ | 0.17 | ​ | 0.16
Stage 2 (%) | ​ | 1.84 | ​ | 1.94
Stage 3 (%) | ​ | 38.83 | ​ | 34.40
​ |  | 0.87 | ​ | 0.83
​ | ​ | ​ | ​ | ​
​ | ​ | Half year ended
​ | ​ | 30 June | ​ | 30 June
​ | ​ | 2025 | ​ | 2024
​ | ​ | £m | ​ | £m
Impairment losses |  | ​ | ​ | ​
ECL charge/(release) (5) | ​ | 382 | ​ | 48
Stage 1 | ​ | (67) | ​ | (364)
Stage 2 | ​ | 165 | ​ | 190
Stage 3 | ​ | 284 | ​ | 222
Of which: individual | ​ | 194 | ​ | 80
Of which: collective | ​ | 90 | ​ | 142
​ |  | ​ | ​ | ​
Amounts written off |  | 192 | ​ | 369
Of which: individual | ​ | 61 | ​ | 64
Of which: collective |  | 131 | ​ | 305
​
(1) | The table shows gross loans only and excludes amounts that were outside the scope of the ECL framework. Other financial assets within the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling £89.5 billion (31 December 2024 - £91.8 billion) and debt securities of £70.8 billion (31 December 2024 - £62.4 billion).
(2) | Fair value through other comprehensive income (FVOCI). Includes loans to customers and banks.
(3) | Includes £4 million (31 December 2024 - £4 million) related to assets classified as FVOCI and £0.1 billion (31 December 2024 – £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 (nm) coverage ratio.
(5) | Includes a £1 million release (June 2024 – £6 million release) related to other financial assets, with no release (June 2024 – £5 million release) related to assets classified as FVOCI and includes a £10 million charge (June 2024 – £4 million release) related to contingent liabilities.

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- Definition The disclosure of the reconciliation of changes in the loss allowance and explanation of changes in the gross carrying amount for financial instruments. Loss allowance is the allowance for expected credit losses on financial assets measured in accordance with paragraph 4.1.2 of IFRS 9, lease receivables and contract assets, the accumulated impairment amount for financial assets measured in accordance with paragraph 4.1.2A of IFRS 9 and the provision for expected credit losses on loan commitments and financial guarantee contracts. [Refer: Gross carrying amount [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35H&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35I&doctype=Standard -URIDate 2024-03-27 + Details
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