v3.25.4

Insurance business - (A) Insurance service result (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Insurance revenue |  |  |  |  |
Total insurance revenue | £ 3,438 | £ 3,291 | [1] | £ 3,008 | [1]
Insurance service expense |  |  |  |  |
Total insurance service expense | (2,543) | (2,733) | [1] | (2,414) | [1]
Net expense from reinsurance contracts held | (139) | (72) | [1] | 2 | [1]
Insurance service result | 756 | 486 | [1] | 596 | [1]
Weather Related Claims |  |  |  |  |
Insurance service expense |  |  |  |  |
Incurred claims and other directly attributable expenses | (111) | (82) |  | (57) |
Severe weather related claims |  |  |  |  |
Insurance service expense |  |  |  |  |
Incurred claims and other directly attributable expenses | (97) | (64) |  | (51) |
Life |  |  |  |  |
Insurance revenue |  |  |  |  |
CSM recognised for services provided | 590 | 449 |  | 329 |
Change in risk adjustments for non-financial risk for risk expired | 49 | 58 |  | 84 |
Expected claims and other insurance service expenses | 1,730 | 1,916 |  | 1,907 |
Charges to funds in respect of policyholder tax and other | 200 | 108 |  | 87 |
Amounts relating to the changes in liabilities for remaining coverage: | 2,569 | 2,531 |  | 2,407 |
Recovery of insurance acquisition cash flows | 117 | 105 |  | 87 |
Total insurance revenue | 2,686 | 2,636 |  | 2,494 |
Insurance service expense |  |  |  |  |
Incurred claims and other directly attributable expenses | (1,749) | (1,978) |  | (1,897) |
Changes that relate to past service: adjustment to liabilities for incurred claims | 0 | (4) |  | 0 |
Changes that relate to future service: (losses) reversal of losses on onerous contracts | (84) | (72) |  | 58 |
Amortisation of insurance acquisition cash flows | (117) | (105) |  | (88) |
Total life excluding net impairment loss on insurance acquisition assets | (1,950) | (2,159) |  | (1,927) |
Net impairment loss on insurance acquisition assets | 0 | (9) |  | (7) |
Total insurance service expense | (1,950) | (2,168) |  | (1,934) |
Non-life |  |  |  |  |
Insurance revenue |  |  |  |  |
Total insurance revenue | 752 | 655 |  | 514 |
Insurance service expense |  |  |  |  |
Amortisation of insurance acquisition cash flows | (31) | (32) |  |  |
Total insurance service expense | £ (593) | £ (565) |  | £ (480) |
[1] | 1 Comparative periods have been represented for presentational changes. See note 1.

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