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Loan impairment provisions (Tables) | 6 Months Ended
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Jun. 30, 2025
Loan impairment provisions |
Schedule of loan exposure and impairment metrics | ​
​ | ​ | ​ | ​ | ​
​ |  | 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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