v3.25.4

Credit risk (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2025
Credit risk [Abstract] |
Schedule of Loans and Advances to Customers | Movements in the gross carrying amount for loans and advances to customers and for allowance for expected credit losses were as follows:
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m
At 1 January 2025 | 405,360 |  | 44,765 |  | 6,716 |  | 6,207 |  | 463,048 |  | 736 |  | 1,160 |  | 1,108 |  | 187 |  | 3,191
Exchange and other adjustments 1 | 1,034 |  | (17) |  | 3 |  | 8 |  | 1,028 |  | (13) |  | (1) |  | 18 |  | 45 |  | 49
Transfers to Stage 1 | 7,165 |  | (7,021) |  | (144) |  |  |  | – |  | 240 |  | (221) |  | (19) |  |  |  | –
Transfers to Stage 2 | (10,427) |  | 11,211 |  | (784) |  |  |  | – |  | (53) |  | 114 |  | (61) |  |  |  | –
Transfers to Stage 3 | (1,557) |  | (1,871) |  | 3,428 |  |  |  | – |  | (35) |  | (157) |  | 192 |  |  |  | –
Net change in ECL due to transfers |  |  |  |  |  |  |  |  |  |  | (153) |  | 257 |  | 350 |  |  |  | 454
Impact of transfers between stages 2 | (4,819) |  | 2,319 |  | 2,500 |  |  |  | – |  | (1) |  | (7) |  | 462 |  |  |  | 454
Other changes in credit quality 2 |  |  |  |  |  |  |  |  |  |  | 27 |  | (46) |  | 677 |  | 11 |  | 669
Additions and repayments | 28,618 |  | (4,388) |  | (1,606) |  | (1,130) |  | 21,494 |  | (12) |  | (29) |  | (140) |  | (75) |  | (256)
Charge (credit) to the income statement |  |  |  |  |  |  |  |  |  |  | 14 |  | (82) |  | 999 |  | (64) |  | 867
Disposals and derecognition | – |  | – |  | – |  | – |  | – |  | – |  | – |  | – |  | – |  | –
Advances written off |  |  |  |  | (1,296) |  | (9) |  | (1,305) |  |  |  |  |  | (1,296) |  | (9) |  | (1,305)
Recoveries of amounts previously written off |  |  |  |  | 209 |  | – |  | 209 |  |  |  |  |  | 209 |  | – |  | 209
At 31 December 2025 | 430,193 |  | 42,679 |  | 6,526 |  | 5,076 |  | 484,474 |  | 737 |  | 1,077 |  | 1,038 |  | 159 |  | 3,011
Allowance for expected credit losses | (737) |  | (1,077) |  | (1,038) |  | (159) |  | (3,011) |  |  |  |  |  |  |  |  |  |
Net carrying amount | 429,456 |  | 41,602 |  | 5,488 |  | 4,917 |  | 481,463 |  |  |  |  |  |  |  |  |  |
Drawn ECL coverage 3 (%) | 0.2 |  | 2.5 |  | 15.9 |  | 3.1 |  | 0.6 |  |  |  |  |  |  |  |  |  |
1 Exchange and other adjustments includes the impact of movements in exchange rates, discount unwind, derecognising assets as a result of modifications and adjustments in respect of purchased or originated credit-impaired financial assets (POCI). Where a POCI asset’s expected credit loss is less than its expected credit loss on purchase or origination, the increase in its carrying value is recognised within gross loans, rather than as a negative impairment allowance. 2 Includes a credit for methodology and model changes of £136 million, split by stage as £41 million credit for Stage 1, £47 million credit for Stage 2, £52 million credit for Stage 3 and £4 million charge for POCI. 3 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers. Movements in balances for the year ended 31 December 2024 (audited)
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m
At 1 January 2024 | 385,294 |  | 53,167 |  | 7,147 |  | 7,854 |  | 453,462 |  | 900 |  | 1,467 |  | 1,137 |  | 213 |  | 3,717
Exchange and other adjustments 1 | (910) |  | (23) |  | (74) |  | 12 |  | (995) |  | (12) |  | (6) |  | 21 |  | 53 |  | 56
Transfers to Stage 1 | 25,658 |  | (25,607) |  | (51) |  |  |  | – |  | 413 |  | (404) |  | (9) |  |  |  | –
Transfers to Stage 2 | (25,390) |  | 25,967 |  | (577) |  |  |  | – |  | (66) |  | 126 |  | (60) |  |  |  | –
Transfers to Stage 3 | (1,104) |  | (2,119) |  | 3,223 |  |  |  | – |  | (21) |  | (178) |  | 199 |  |  |  | –
Net change in ECL due to transfers |  |  |  |  |  |  |  |  |  |  | (293) |  | 340 |  | 303 |  |  |  | 350
Impact of transfers between stages 2 | (836) |  | (1,759) |  | 2,595 |  |  |  | – |  | 33 |  | (116) |  | 433 |  |  |  | 350
Other changes in credit quality 2 |  |  |  |  |  |  |  |  |  |  | (130) |  | (66) |  | 709 |  | 66 |  | 579
Additions and repayments | 22,529 |  | (6,140) |  | (1,612) |  | (910) |  | 13,867 |  | (50) |  | (107) |  | (193) |  | (72) |  | (422)
Charge (credit) to the income statement |  |  |  |  |  |  |  |  |  |  | (147) |  | (289) |  | 949 |  | (6) |  | 507
Disposals and derecognition 3 | (717) |  | (480) |  | (366) |  | (694) |  | (2,257) |  | (5) |  | (12) |  | (25) |  | (18) |  | (60)
Advances written off |  |  |  |  | (1,174) |  | (55) |  | (1,229) |  |  |  |  |  | (1,174) |  | (55) |  | (1,229)
Recoveries of amounts previously written off |  |  |  |  | 200 |  | – |  | 200 |  |  |  |  |  | 200 |  | – |  | 200
At 31 December 2024 | 405,360 |  | 44,765 |  | 6,716 |  | 6,207 |  | 463,048 |  | 736 |  | 1,160 |  | 1,108 |  | 187 |  | 3,191
Allowance for expected credit losses | (736) |  | (1,160) |  | (1,108) |  | (187) |  | (3,191) |  |  |  |  |  |  |  |  |  |
Net carrying amount | 404,624 |  | 43,605 |  | 5,608 |  | 6,020 |  | 459,857 |  |  |  |  |  |  |  |  |  |
Drawn ECL coverage 4 (%) | 0.2 |  | 2.6 |  | 16.5 |  | 3.0 |  | 0.7 |  |  |  |  |  |  |  |  |  |
1 Exchange and other adjustments includes the impact of movements in exchange rates, discount unwind, derecognising assets as a result of modifications and adjustments in respect of purchased or originated credit-impaired financial assets (POCI). Where a POCI asset’s expected credit loss is less than its expected credit loss on purchase or origination, the increase in its carrying value is recognised within gross loans, rather than as a negative impairment allowance. 2 Includes a credit for methodology and model changes of £24 million, split by stage as £20 million credit for Stage 1, £2 million charge for Stage 2, £15 million charge for Stage 3 and £21 million credit for POCI. 3 Relates to the securitisations of primarily legacy Retail mortgages 4 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
Schedule of Concentration of Exposure | At 31 December 2025 the most significant concentrations of exposure were in mortgages.
| 2025 £m | 2024 £m
Agriculture, forestry and fishing | 6,071 | 6,424
Construction 1 | 3,175 | 3,389
Energy and water supply | 5,571 | 4,912
Financial, business and other services | 40,221 | 38,034
Manufacturing | 5,326 | 4,790
Mining and Quarrying | 314 | 205
Personal: |  |
Mortgages 1 | 346,033 | 330,840
Lease financing 2 | 13,972 | 13,249
Other | 31,145 | 28,016
Postal and telecommunications | 3,177 | 3,182
Property companies | 19,139 | 19,271
Transport, distribution and hotels | 10,330 | 10,736
Total loans and advances to customers before allowance for impairment losses | 484,474 | 463,048
Allowance for impairment losses (note 21 to the consolidated financial statements, page 272) | (3,011) | (3,191)
Total loans and advances to customers | 481,463 | 459,857
1 Includes both UK and overseas mortgage balances. 2 Lease financing, previously reported in aggregate, is presented separately according to whether the lending is personal or non-personal. Non-personal lease financing is allocated to the industries or sectors relevant to the exposure. Comparatives are represented on a consistent basis.
Schedule of Credit Quality of Assets |
Retail |  |  | Commercial |
Quality classification | IFRS 9 PD range |  | Quality classification | IFRS 9 PD range
RMS 1–3 | 0.00–0.80% |  | CMS 1–5 | 0.000–0.100%
RMS 4–6 | 0.81–4.50% |  | CMS 6–10 | 0.101–0.500%
RMS 7–9 | 4.51–14.00% |  | CMS 11–14 | 0.501–3.000%
RMS 10 | 14.01–20.00% |  | CMS 15–18 | 3.001–20.000%
RMS 11–13 | 20.01–99.99% |  | CMS 19 | 20.001–99.999%
RMS 14 | 100.00% |  | CMS 20–23 | 100.000%
| Drawn exposures |  | Allowance for expected credit losses
Gross drawn exposures and expected credit loss allowance (audited) | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m
At 31 December 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail – UK mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 276,020 |  | 19,717 |  | – |  | – |  | 295,737 |  | 43 |  | 99 |  | – |  | – |  | 142
RMS 4–6 | 8,034 |  | 6,274 |  | – |  | – |  | 14,308 |  | 6 |  | 34 |  | – |  | – |  | 40
RMS 7–9 | 154 |  | 1,193 |  | – |  | – |  | 1,347 |  | 1 |  | 12 |  | – |  | – |  | 13
RMS 10 | 23 |  | 338 |  | – |  | – |  | 361 |  | – |  | 5 |  | – |  | – |  | 5
RMS 11–13 | 76 |  | 2,892 |  | – |  | – |  | 2,968 |  | 1 |  | 57 |  | – |  | – |  | 58
RMS 14 | – |  | – |  | 4,016 |  | 5,076 |  | 9,092 |  | – |  | – |  | 309 |  | 159 |  | 468
| 284,307 |  | 30,414 |  | 4,016 |  | 5,076 |  | 323,813 |  | 51 |  | 207 |  | 309 |  | 159 |  | 726
Retail – credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 5,708 |  | 6 |  | – |  | – |  | 5,714 |  | 11 |  | – |  | – |  | – |  | 11
RMS 4–6 | 8,221 |  | 1,108 |  | – |  | – |  | 9,329 |  | 85 |  | 44 |  | – |  | – |  | 129
RMS 7–9 | 1,321 |  | 793 |  | – |  | – |  | 2,114 |  | 48 |  | 87 |  | – |  | – |  | 135
RMS 10 | 8 |  | 140 |  | – |  | – |  | 148 |  | 1 |  | 26 |  | – |  | – |  | 27
RMS 11–13 | – |  | 279 |  | – |  | – |  | 279 |  | – |  | 91 |  | – |  | – |  | 91
RMS 14 | – |  | – |  | 274 |  | – |  | 274 |  | – |  | – |  | 121 |  | – |  | 121
| 15,258 |  | 2,326 |  | 274 |  | – |  | 17,858 |  | 145 |  | 248 |  | 121 |  | – |  | 514
Retail – UK unsecured loans and overdrafts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 1,376 |  | 2 |  | – |  | – |  | 1,378 |  | 4 |  | – |  | – |  | – |  | 4
RMS 4–6 | 8,130 |  | 624 |  | – |  | – |  | 8,754 |  | 106 |  | 34 |  | – |  | – |  | 140
RMS 7–9 | 1,062 |  | 324 |  | – |  | – |  | 1,386 |  | 37 |  | 33 |  | – |  | – |  | 70
RMS 10 | 26 |  | 110 |  | – |  | – |  | 136 |  | 2 |  | 19 |  | – |  | – |  | 21
RMS 11–13 | 7 |  | 337 |  | – |  | – |  | 344 |  | 1 |  | 99 |  | – |  | – |  | 100
RMS 14 | – |  | – |  | 193 |  | – |  | 193 |  | – |  | – |  | 112 |  | – |  | 112
| 10,601 |  | 1,397 |  | 193 |  | – |  | 12,191 |  | 150 |  | 185 |  | 112 |  | – |  | 447
Retail – UK Motor Finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 8,531 |  | 910 |  | – |  | – |  | 9,441 |  | 135 |  | 22 |  | – |  | – |  | 157
RMS 4–6 | 5,083 |  | 1,275 |  | – |  | – |  | 6,358 |  | 63 |  | 52 |  | – |  | – |  | 115
RMS 7–9 | 606 |  | 359 |  | – |  | – |  | 965 |  | 3 |  | 25 |  | – |  | – |  | 28
RMS 10 | – |  | 77 |  | – |  | – |  | 77 |  | – |  | 10 |  | – |  | – |  | 10
RMS 11–13 | 2 |  | 165 |  | – |  | – |  | 167 |  | – |  | 39 |  | – |  | – |  | 39
RMS 14 | – |  | – |  | 141 |  | – |  | 141 |  | – |  | – |  | 79 |  | – |  | 79
| 14,222 |  | 2,786 |  | 141 |  | – |  | 17,149 |  | 201 |  | 148 |  | 79 |  | – |  | 428
Retail – other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 18,554 |  | 3 |  | – |  | – |  | 18,557 |  | 7 |  | – |  | – |  | – |  | 7
RMS 4–6 | 2,616 |  | 213 |  | – |  | – |  | 2,829 |  | 10 |  | 7 |  | – |  | – |  | 17
RMS 7–9 | 75 |  | 86 |  | – |  | – |  | 161 |  | – |  | 1 |  | – |  | – |  | 1
RMS 10 | – |  | 57 |  | – |  | – |  | 57 |  | – |  | 1 |  | – |  | – |  | 1
RMS 11–13 | – |  | 33 |  | – |  | – |  | 33 |  | – |  | 1 |  | – |  | – |  | 1
RMS 14 | – |  | – |  | 145 |  | – |  | 145 |  | – |  | – |  | 35 |  | – |  | 35
| 21,245 |  | 392 |  | 145 |  | – |  | 21,782 |  | 17 |  | 10 |  | 35 |  | – |  | 62
Total Retail | 345,633 |  | 37,315 |  | 4,769 |  | 5,076 |  | 392,793 |  | 564 |  | 798 |  | 656 |  | 159 |  | 2,177
Commercial Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CMS 1–5 | 31,945 |  | 123 |  | – |  | – |  | 32,068 |  | 6 |  | – |  | – |  | – |  | 6
CMS 6–10 | 17,918 |  | 40 |  | – |  | – |  | 17,958 |  | 18 |  | – |  | – |  | – |  | 18
CMS 11–14 | 31,833 |  | 2,007 |  | – |  | – |  | 33,840 |  | 110 |  | 41 |  | – |  | – |  | 151
CMS 15–18 | 2,324 |  | 2,486 |  | – |  | – |  | 4,810 |  | 39 |  | 144 |  | – |  | – |  | 183
CMS 19 | – |  | 708 |  | – |  | – |  | 708 |  | – |  | 94 |  | – |  | – |  | 94
CMS 20–23 | – |  | – |  | 1,757 |  | – |  | 1,757 |  | – |  | – |  | 382 |  | – |  | 382
| 84,020 |  | 5,364 |  | 1,757 |  | – |  | 91,141 |  | 173 |  | 279 |  | 382 |  | – |  | 834
Other 1 | 540 |  | – |  | – |  | – |  | 540 |  | – |  | – |  | – |  | – |  | –
Total loans and advances to customers | 430,193 |  | 42,679 |  | 6,526 |  | 5,076 |  | 484,474 |  | 737 |  | 1,077 |  | 1,038 |  | 159 |  | 3,011
1 Drawn exposures include centralised fair value hedge accounting adjustments.
| Drawn exposures |  | Allowance for expected credit losses
Gross drawn exposures and expected credit loss allowance (audited) | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m
At 31 December 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail – UK mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 261,101 |  | 21,213 |  | – |  | – |  | 282,314 |  | 46 |  | 143 |  | – |  | – |  | 189
RMS 4–6 | 8,487 |  | 7,384 |  | – |  | – |  | 15,871 |  | 6 |  | 51 |  | – |  | – |  | 57
RMS 7–9 | 112 |  | 1,296 |  | – |  | – |  | 1,408 |  | – |  | 15 |  | – |  | – |  | 15
RMS 10 | 17 |  | 273 |  | – |  | – |  | 290 |  | – |  | 5 |  | – |  | – |  | 5
RMS 11–13 | 43 |  | 2,829 |  | – |  | – |  | 2,872 |  | 1 |  | 59 |  | – |  | – |  | 60
RMS 14 | – |  | – |  | 4,166 |  | 6,207 |  | 10,373 |  | – |  | – |  | 335 |  | 187 |  | 522
| 269,760 |  | 32,995 |  | 4,166 |  | 6,207 |  | 313,128 |  | 53 |  | 273 |  | 335 |  | 187 |  | 848
Retail – credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 5,058 |  | 10 |  | – |  | – |  | 5,068 |  | 11 |  | 1 |  | – |  | – |  | 12
RMS 4–6 | 7,231 |  | 1,129 |  | – |  | – |  | 8,360 |  | 87 |  | 52 |  | – |  | – |  | 139
RMS 7–9 | 1,242 |  | 859 |  | – |  | – |  | 2,101 |  | 51 |  | 107 |  | – |  | – |  | 158
RMS 10 | 3 |  | 149 |  | – |  | – |  | 152 |  | – |  | 31 |  | – |  | – |  | 31
RMS 11–13 | – |  | 294 |  | – |  | – |  | 294 |  | – |  | 106 |  | – |  | – |  | 106
RMS 14 | – |  | – |  | 265 |  | – |  | 265 |  | – |  | – |  | 133 |  | – |  | 133
| 13,534 |  | 2,441 |  | 265 |  | – |  | 16,240 |  | 149 |  | 297 |  | 133 |  | – |  | 579
Retail – UK unsecured loans and overdrafts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 1,207 |  | 2 |  | – |  | – |  | 1,209 |  | 3 |  | – |  | – |  | – |  | 3
RMS 4–6 | 7,020 |  | 484 |  | – |  | – |  | 7,504 |  | 98 |  | 27 |  | – |  | – |  | 125
RMS 7–9 | 1,047 |  | 307 |  | – |  | – |  | 1,354 |  | 40 |  | 36 |  | – |  | – |  | 76
RMS 10 | 31 |  | 111 |  | – |  | – |  | 142 |  | 3 |  | 22 |  | – |  | – |  | 25
RMS 11–13 | 9 |  | 343 |  | – |  | – |  | 352 |  | 1 |  | 112 |  | – |  | – |  | 113
RMS 14 | – |  | – |  | 175 |  | – |  | 175 |  | – |  | – |  | 118 |  | – |  | 118
| 9,314 |  | 1,247 |  | 175 |  | – |  | 10,736 |  | 145 |  | 197 |  | 118 |  | – |  | 460
Retail – UK Motor Finance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 8,967 |  | 760 |  | – |  | – |  | 9,727 |  | 112 |  | 16 |  | – |  | – |  | 128
RMS 4–6 | 4,487 |  | 1,169 |  | – |  | – |  | 5,656 |  | 55 |  | 40 |  | – |  | – |  | 95
RMS 7–9 | 440 |  | 247 |  | – |  | – |  | 687 |  | 2 |  | 17 |  | – |  | – |  | 19
RMS 10 | – |  | 46 |  | – |  | – |  | 46 |  | – |  | 6 |  | – |  | – |  | 6
RMS 11–13 | 3 |  | 176 |  | – |  | – |  | 179 |  | – |  | 36 |  | – |  | – |  | 36
RMS 14 | – |  | – |  | 124 |  | – |  | 124 |  | – |  | – |  | 72 |  | – |  | 72
| 13,897 |  | 2,398 |  | 124 |  | – |  | 16,419 |  | 169 |  | 115 |  | 72 |  | – |  | 356
Retail – other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
RMS 1–3 | 15,163 |  | 238 |  | – |  | – |  | 15,401 |  | 4 |  | 4 |  | – |  | – |  | 8
RMS 4–6 | 2,132 |  | 190 |  | – |  | – |  | 2,322 |  | 11 |  | 7 |  | – |  | – |  | 18
RMS 7–9 | 78 |  | 72 |  | – |  | – |  | 150 |  | – |  | 3 |  | – |  | – |  | 3
RMS 10 | – |  | 7 |  | – |  | – |  | 7 |  | – |  | – |  | – |  | – |  | –
RMS 11–13 | – |  | 9 |  | – |  | – |  | 9 |  | – |  | – |  | – |  | – |  | –
RMS 14 | – |  | – |  | 147 |  | – |  | 147 |  | – |  | – |  | 37 |  | – |  | 37
| 17,373 |  | 516 |  | 147 |  | – |  | 18,036 |  | 15 |  | 14 |  | 37 |  | – |  | 66
Total Retail | 323,878 |  | 39,597 |  | 4,877 |  | 6,207 |  | 374,559 |  | 531 |  | 896 |  | 695 |  | 187 |  | 2,309
Commercial Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
CMS 1–5 | 26,925 |  | 6 |  | – |  | – |  | 26,931 |  | 3 |  | – |  | – |  | – |  | 3
CMS 6–10 | 17,126 |  | 56 |  | – |  | – |  | 17,182 |  | 13 |  | – |  | – |  | – |  | 13
CMS 11–14 | 32,424 |  | 1,128 |  | – |  | – |  | 33,552 |  | 122 |  | 21 |  | – |  | – |  | 143
CMS 15–18 | 5,002 |  | 3,253 |  | – |  | – |  | 8,255 |  | 67 |  | 166 |  | – |  | – |  | 233
CMS 19 | – |  | 725 |  | – |  | – |  | 725 |  | – |  | 77 |  | – |  | – |  | 77
CMS 20–23 | – |  | – |  | 1,839 |  | – |  | 1,839 |  | – |  | – |  | 413 |  | – |  | 413
| 81,477 |  | 5,168 |  | 1,839 |  | – |  | 88,484 |  | 205 |  | 264 |  | 413 |  | – |  | 882
Other 1 | 5 |  | – |  | – |  | – |  | 5 |  | – |  | – |  | – |  | – |  | –
Total loans and advances to customers | 405,360 |  | 44,765 |  | 6,716 |  | 6,207 |  | 463,048 |  | 736 |  | 1,160 |  | 1,108 |  | 187 |  | 3,191
1 Drawn exposures include centralised fair value hedge accounting adjustments.
Schedule of Retail Mortgages | Retail UK mortgage balance movements (audited)
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m
Retail – UK mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At 1 January 2025 | 269,760 |  | 32,995 |  | 4,166 |  | 6,207 |  | 313,128 |  | 53 |  | 273 |  | 335 |  | 187 |  | 848
Exchange and other adjustments 1 | – |  | – |  | – |  | 7 |  | 7 |  | (1) |  | (1) |  | 36 |  | 45 |  | 79
Transfers to Stage 1 | 3,892 |  | (3,850) |  | (42) |  |  |  | – |  | 29 |  | (27) |  | (2) |  |  |  | –
Transfers to Stage 2 | (5,474) |  | 6,053 |  | (579) |  |  |  | – |  | (2) |  | 25 |  | (23) |  |  |  | –
Transfers to Stage 3 | (399) |  | (999) |  | 1,398 |  |  |  | – |  | – |  | (19) |  | 19 |  |  |  | –
Net change in ECL due to transfers |  |  |  |  |  |  |  |  |  |  | (29) |  | 27 |  | 60 |  |  |  | 58
Impact of transfers between stages 2 | (1,981) |  | 1,204 |  | 777 |  |  |  | – |  | (2) |  | 6 |  | 54 |  |  |  | 58
Other changes in credit quality 2 |  |  |  |  |  |  |  |  |  |  | (6) |  | (33) |  | 89 |  | 11 |  | 61
Additions and repayments | 16,528 |  | (3,785) |  | (794) |  | (1,129) |  | 10,820 |  | 7 |  | (38) |  | (72) |  | (75) |  | (178)
Charge (credit) to the income statement |  |  |  |  |  |  |  |  |  |  | (1) |  | (65) |  | 71 |  | (64) |  | (59)
Advances written off |  |  |  |  | (139) |  | (9) |  | (148) |  |  |  |  |  | (139) |  | (9) |  | (148)
Recoveries of amounts previously written off |  |  |  |  | 6 |  | – |  | 6 |  |  |  |  |  | 6 |  | – |  | 6
At 31 December 2025 | 284,307 |  | 30,414 |  | 4,016 |  | 5,076 |  | 323,813 |  | 51 |  | 207 |  | 309 |  | 159 |  | 726
Allowance for expected credit losses | (51) |  | (207) |  | (309) |  | (159) |  | (726) |  |  |  |  |  |  |  |  |  |
Net carrying amount | 284,256 |  | 30,207 |  | 3,707 |  | 4,917 |  | 323,087 |  |  |  |  |  |  |  |  |  |
Drawn ECL coverage 3 (%) | – |  | 0.7 |  | 7.7 |  | 3.1 |  | 0.2 |  |  |  |  |  |  |  |  |  |
1 Exchange and other adjustments includes the impact of movements in exchange rates, discount unwind, derecognising assets as a result of modifications and adjustments in respect of purchased or originated credit-impaired financial assets (POCI). Where a POCI asset’s expected credit loss is less than its expected credit loss on purchase or origination, the increase in its carrying value is recognised within gross loans, rather than as a negative impairment allowance. 2 Includes a credit for methodology and model changes of £12 million, split by stage as £22 million credit for Stage 2, £6 million charge for Stage 3 and £4 million charge for POCI. 3 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | POCI £m |  | Total £m
Retail – UK mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At 1 January 2024 | 256,596 |  | 38,533 |  | 4,337 |  | 7,854 |  | 307,320 |  | 161 |  | 374 |  | 357 |  | 213 |  | 1,105
Exchange and other adjustments 1 | – |  | – |  | – |  | 12 |  | 12 |  | 1 |  | – |  | 50 |  | 53 |  | 104
Transfers to Stage 1 | 21,133 |  | (21,105) |  | (28) |  |  |  | – |  | 135 |  | (132) |  | (3) |  |  |  | –
Transfers to Stage 2 | (21,077) |  | 21,473 |  | (396) |  |  |  | – |  | (11) |  | 32 |  | (21) |  |  |  | –
Transfers to Stage 3 | (299) |  | (1,341) |  | 1,640 |  |  |  | – |  | – |  | (39) |  | 39 |  |  |  | –
Net change in ECL due to transfers |  |  |  |  |  |  |  |  |  |  | (122) |  | 114 |  | 56 |  |  |  | 48
Impact of transfers between stages 2 | (243) |  | (973) |  | 1,216 |  |  |  | – |  | 2 |  | (25) |  | 71 |  |  |  | 48
Other changes in credit quality 2 |  |  |  |  |  |  |  |  |  |  | (94) |  | (19) |  | 26 |  | 66 |  | (21)
Additions and repayments | 13,901 |  | (4,143) |  | (956) |  | (910) |  | 7,892 |  | (16) |  | (48) |  | (79) |  | (72) |  | (215)
Charge (credit) to the income statement |  |  |  |  |  |  |  |  |  |  | (108) |  | (92) |  | 18 |  | (6) |  | (188)
Disposals and derecognition 3 | (494) |  | (422) |  | (366) |  | (694) |  | (1,976) |  | (1) |  | (9) |  | (25) |  | (18) |  | (53)
Advances written off |  |  |  |  | (70) |  | (55) |  | (125) |  |  |  |  |  | (70) |  | (55) |  | (125)
Recoveries of amounts previously written off |  |  |  |  | 5 |  | – |  | 5 |  |  |  |  |  | 5 |  | – |  | 5
At 31 December 2024 | 269,760 |  | 32,995 |  | 4,166 |  | 6,207 |  | 313,128 |  | 53 |  | 273 |  | 335 |  | 187 |  | 848
Allowance for expected credit losses | (53) |  | (273) |  | (335) |  | (187) |  | (848) |  |  |  |  |  |  |  |  |  |
Net carrying amount | 269,707 |  | 32,722 |  | 3,831 |  | 6,020 |  | 312,280 |  |  |  |  |  |  |  |  |  |
Drawn ECL coverage 4 (%) | – |  | 0.8 |  | 8.0 |  | 3.0 |  | 0.3 |  |  |  |  |  |  |  |  |  |
1 Exchange and other adjustments includes the impact of movements in exchange rates, discount unwind, derecognising assets as a result of modifications and adjustments in respect of purchased or originated credit-impaired financial assets (POCI). Where a POCI asset’s expected credit loss is less than its expected credit loss on purchase or origination, the increase in its carrying value is recognised within gross loans, rather than as a negative impairment allowance. 2 Includes a charge for methodology and model changes of £7 million, split by stage as £1 million charge for Stage 1, £9 million charge for Stage 2, £18 million charge for Stage 3 and £21 million credit for POCI. 3 Relates to the securitisations of primarily legacy Retail mortgages. 4 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
Schedule of Mortgage Lending |
| At 31 December 2025 |  | At 31 December 2024
| Stage 1 (£m) | Stage 2 (£m) | Stage 3 (£m) | POCI (£m) | Total (£m) |  | Stage 1 (£m) | Stage 2 (£m) | Stage 3 (£m) | POCI (£m) | Total (£m)
Gross drawn exposures |  |  |  |  |  |  |  |  |  |  |
Less than 60% | 142,960 | 25,099 | 2,811 | 4,343 | 175,213 |  | 145,055 | 27,851 | 3,014 | 5,066 | 180,986
60% to 70% | 48,852 | 2,647 | 620 | 451 | 52,570 |  | 49,746 | 2,954 | 643 | 638 | 53,981
70% to 80% | 47,327 | 1,324 | 321 | 158 | 49,130 |  | 40,292 | 1,168 | 307 | 232 | 41,999
80% to 90% | 38,070 | 1,181 | 165 | 62 | 39,478 |  | 30,215 | 898 | 123 | 109 | 31,345
90% to 100% | 7,053 | 156 | 46 | 22 | 7,277 |  | 4,420 | 109 | 36 | 63 | 4,628
Greater than 100% | 45 | 7 | 53 | 40 | 145 |  | 32 | 15 | 43 | 99 | 189
Total | 284,307 | 30,414 | 4,016 | 5,076 | 323,813 |  | 269,760 | 32,995 | 4,166 | 6,207 | 313,128
Allowance for expected credit losses |  |  |  |  |  |  |  |  |  |  |
Less than 60% | 11 | 128 | 105 | 62 | 306 |  | 14 | 165 | 130 | 66 | 375
60% to 70% | 10 | 36 | 69 | 34 | 149 |  | 11 | 51 | 77 | 36 | 175
70% to 80% | 15 | 20 | 56 | 23 | 114 |  | 13 | 30 | 59 | 27 | 129
80% to 90% | 16 | 19 | 37 | 15 | 87 |  | 13 | 23 | 32 | 17 | 85
90% to 100% | 3 | 4 | 14 | 6 | 27 |  | 2 | 3 | 13 | 10 | 28
Greater than 100% | – | 1 | 28 | 19 | 48 |  | – | 1 | 24 | 31 | 56
Total | 55 | 208 | 309 | 159 | 731 |  | 53 | 273 | 335 | 187 | 848
UK mortgages energy performance certificate analysis The energy performance certificate (EPC) profile of the security associated with the Group’s UK mortgage portfolio is shown below:
EPC profile | A £m | B £m | C £m | D £m | E £m | F £m | G £m | Unrated properties £m | Total
At 31 December 2025 | 2,087 | 47,170 | 77,625 | 102,066 | 32,690 | 6,124 | 1,361 | 54,690 | 323,813
At 31 December 2024 | 1,113 | 40,469 | 68,128 | 97,392 | 33,021 | 6,293 | 1,370 | 65,342 | 313,128
Schedule of Retail Credit Cards |
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m
Retail – credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At 1 January 2025 | 13,534 |  | 2,441 |  | 265 |  | 16,240 |  | 149 |  | 297 |  | 133 |  | 579
Exchange and other adjustments | – |  | – |  | – |  | – |  | – |  | – |  | (19) |  | (19)
Transfers to Stage 1 | 956 |  | (953) |  | (3) |  | – |  | 92 |  | (91) |  | (1) |  | –
Transfers to Stage 2 | (657) |  | 694 |  | (37) |  | – |  | (10) |  | 27 |  | (17) |  | –
Transfers to Stage 3 | (206) |  | (227) |  | 433 |  | – |  | (5) |  | (55) |  | 60 |  | –
Net change in ECL due to transfers |  |  |  |  |  |  |  |  | (52) |  | 77 |  | 78 |  | 103
Impact of transfers between stages 1 | 93 |  | (486) |  | 393 |  | – |  | 25 |  | (42) |  | 120 |  | 103
Other changes in credit quality 1 |  |  |  |  |  |  |  |  | (24) |  | (14) |  | 272 |  | 234
Additions and repayments | 1,631 |  | 371 |  | (11) |  | 1,991 |  | (5) |  | 7 |  | (12) |  | (10)
Charge to the income statement |  |  |  |  |  |  |  |  | (4) |  | (49) |  | 380 |  | 327
Advances written off |  |  |  |  | (496) |  | (496) |  |  |  |  |  | (496) |  | (496)
Recoveries of amounts previously written off |  |  |  |  | 123 |  | 123 |  |  |  |  |  | 123 |  | 123
At 31 December 2025 | 15,258 |  | 2,326 |  | 274 |  | 17,858 |  | 145 |  | 248 |  | 121 |  | 514
Allowance for expected credit losses | (145) |  | (248) |  | (121) |  | (514) |  |  |  |  |  |  |  |
Net carrying amount | 15,113 |  | 2,078 |  | 153 |  | 17,344 |  |  |  |  |  |  |  |
Drawn ECL coverage 2 (%) | 1.0 |  | 10.7 |  | 44.2 |  | 2.9 |  |  |  |  |  |  |  |
1 Includes a credit for methodology and model changes of £53 million, split by stage as £18 million credit for Stage 1, £18 million credit for Stage 2 and £17 million credit for Stage 3. 2 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m
Retail – credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At 1 January 2024 | 12,625 |  | 2,908 |  | 284 |  | 15,817 |  | 168 |  | 401 |  | 130 |  | 699
Exchange and other adjustments | – |  | – |  | – |  | – |  | – |  | – |  | (18) |  | (18)
Transfers to Stage 1 | 1,162 |  | (1,162) |  | – |  | – |  | 128 |  | (128) |  | – |  | –
Transfers to Stage 2 | (642) |  | 683 |  | (41) |  | – |  | (13) |  | 31 |  | (18) |  | –
Transfers to Stage 3 | (184) |  | (241) |  | 425 |  | – |  | (5) |  | (65) |  | 70 |  | –
Net changes in ECL due to transfers |  |  |  |  |  |  |  |  | (71) |  | 84 |  | 84 |  | 97
Impact of transfers between stages | 336 |  | (720) |  | 384 |  | – |  | 39 |  | (78) |  | 136 |  | 97
Other changes in credit quality |  |  |  |  |  |  |  |  | (31) |  | (22) |  | 284 |  | 231
Additions and repayments | 573 |  | 253 |  | (15) |  | 811 |  | (27) |  | (4) |  | (11) |  | (42)
Charge to the income statement |  |  |  |  |  |  |  |  | (19) |  | (104) |  | 409 |  | 286
Advances written off |  |  |  |  | (506) |  | (506) |  |  |  |  |  | (506) |  | (506)
Recoveries of amounts previously written off |  |  |  |  | 118 |  | 118 |  |  |  |  |  | 118 |  | 118
At 31 December 2024 | 13,534 |  | 2,441 |  | 265 |  | 16,240 |  | 149 |  | 297 |  | 133 |  | 579
Allowance for expected credit losses | (149) |  | (297) |  | (133) |  | (579) |  |  |  |  |  |  |  |
Net carrying amount | 13,385 |  | 2,144 |  | 132 |  | 15,661 |  |  |  |  |  |  |  |
Drawn ECL coverage 1 (%) | 1.1 |  | 12.2 |  | 50.2 |  | 3.6 |  |  |  |  |  |  |  |
1 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
Schedule of Commercial Banking Lending | Commercial Banking balance movements (audited)
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m
Commercial Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At 1 January 2025 | 81,477 |  | 5,168 |  | 1,839 |  | 88,484 |  | 205 |  | 264 |  | 413 |  | 882
Exchange and other adjustments | (543) |  | (38) |  | – |  | (581) |  | (13) |  | (2) |  | 6 |  | (9)
Transfers to Stage 1 | 1,439 |  | (1,353) |  | (86) |  | – |  | 62 |  | (53) |  | (9) |  | –
Transfers to Stage 2 | (2,502) |  | 2,633 |  | (131) |  | – |  | (12) |  | 12 |  | – |  | –
Transfers to Stage 3 | (485) |  | (277) |  | 762 |  | – |  | (5) |  | (18) |  | 23 |  | –
Net change in ECL due to transfers |  |  |  |  |  |  |  |  | (45) |  | 80 |  | 108 |  | 143
Impact of transfers between stages 1 | (1,548) |  | 1,003 |  | 545 |  | – |  | – |  | 21 |  | 122 |  | 143
Other changes in credit quality 1 |  |  |  |  |  |  |  |  | (15) |  | (9) |  | 45 |  | 21
Additions and repayments | 4,634 |  | (769) |  | (475) |  | 3,390 |  | (4) |  | 5 |  | (52) |  | (51)
Charge to the income statement |  |  |  |  |  |  |  |  | (19) |  | 17 |  | 115 |  | 113
Advances written off |  |  |  |  | (153) |  | (153) |  |  |  |  |  | (153) |  | (153)
Recoveries of amounts previously written off |  |  |  |  | 1 |  | 1 |  |  |  |  |  | 1 |  | 1
At 31 December 2025 | 84,020 |  | 5,364 |  | 1,757 |  | 91,141 |  | 173 |  | 279 |  | 382 |  | 834
Allowance for expected credit losses | (173) |  | (279) |  | (382) |  | (834) |  |  |  |  |  |  |  |
Net carrying amount | 83,847 |  | 5,085 |  | 1,375 |  | 90,307 |  |  |  |  |  |  |  |
Drawn ECL coverage 2 (%) | 0.2 |  | 5.2 |  | 21.7 |  | 0.9 |  |  |  |  |  |  |  |
1 Includes a credit for methodology and model changes of £19 million, split by stage as £18 million credit for Stage 1, £23 million charge for Stage 2 and £24 million credit for Stage 3. 2 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
| Gross carrying amount |  | Allowance for expected credit losses
| Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m |  | Stage 1 £m |  | Stage 2 £m |  | Stage 3 £m |  | Total £m
Commercial Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
At 1 January 2024 | 79,574 |  | 7,987 |  | 2,068 |  | 89,629 |  | 232 |  | 372 |  | 418 |  | 1,022
Exchange and other adjustments | (103) |  | (5) |  | (64) |  | (172) |  | (13) |  | (5) |  | 1 |  | (17)
Transfers to Stage 1 | 2,361 |  | (2,347) |  | (14) |  | – |  | 86 |  | (85) |  | (1) |  | –
Transfers to Stage 2 | (1,850) |  | 1,951 |  | (101) |  | – |  | (12) |  | 13 |  | (1) |  | –
Transfers to Stage 3 | (301) |  | (258) |  | 559 |  | – |  | (4) |  | (19) |  | 23 |  | –
Net changes in ECL due to transfers |  |  |  |  |  |  |  |  | (63) |  | 70 |  | 62 |  | 69
Impact of transfers between stages 1 | 210 |  | (654) |  | 444 |  | – |  | 7 |  | (21) |  | 83 |  | 69
Other changes in credit quality 1 |  |  |  |  |  |  |  |  | (11) |  | (20) |  | 152 |  | 121
Additions and repayments | 1,796 |  | (2,160) |  | (449) |  | (813) |  | (10) |  | (62) |  | (81) |  | (153)
Charge to the income statement |  |  |  |  |  |  |  |  | (14) |  | (103) |  | 154 |  | 37
Advances written off |  |  |  |  | (163) |  | (163) |  |  |  |  |  | (163) |  | (163)
Recoveries of amounts previously written off |  |  |  |  | 3 |  | 3 |  |  |  |  |  | 3 |  | 3
At 31 December 2024 | 81,477 |  | 5,168 |  | 1,839 |  | 88,484 |  | 205 |  | 264 |  | 413 |  | 882
Allowance for expected credit losses | (205) |  | (264) |  | (413) |  | (882) |  |  |  |  |  |  |  |
Net carrying amount | 81,272 |  | 4,904 |  | 1,426 |  | 87,602 |  |  |  |  |  |  |  |
Drawn ECL coverage 2 (%) | 0.3 |  | 5.1 |  | 22.5 |  | 1.0 |  |  |  |  |  |  |  |
1 Includes a credit for methodology and model changes of £25 million, split by stage as £17 million credit for Stage 1, £8 million credit for Stage 2, £nil for Stage 3. 2 Allowance for expected credit losses on loans and advances to customers as a percentage of gross loans and advances to customers.
Schedule of information about credit exposures designated as measured at fair value through profit or loss |
| 2025 |  | 2024
| Investment grade 1 £m |  | Other £m |  | Total £m |  | Investment grade 1 £m |  | Other £m |  | Total £m
Other financial assets mandatorily at fair value through profit or loss: |  |  |  |  |  |  |  |  |  |  |
Debt securities: |  |  |  |  |  |  |  |  |  |  |
Government securities | 16,593 |  | – |  | 16,593 |  | 7,093 |  | – |  | 7,093
Other public sector securities | 1,898 |  | 7 |  | 1,905 |  | 2,286 |  | 2 |  | 2,288
Bank and building society certificates of deposit | 7,036 |  | – |  | 7,036 |  | 8,667 |  | – |  | 8,667
Asset-backed securities | 909 |  | 14 |  | 923 |  | 641 |  | 11 |  | 652
Corporate and other debt securities | 20,476 |  | 2,934 |  | 23,410 |  | 13,984 |  | 2,899 |  | 16,883
| 46,912 |  | 2,955 |  | 49,867 |  | 32,671 |  | 2,912 |  | 35,583
Treasury and other bills | 11 |  | – |  | 11 |  | 32 |  | – |  | 32
Contracts held with reinsurers | 8,168 |  | – |  | 8,168 |  | 10,527 |  | – |  | 10,527
Total other financial assets mandatorily held at fair value through profit or loss (excluding loans and advances and equity shares) | 55,091 |  | 2,955 |  | 58,046 |  | 43,230 |  | 2,912 |  | 46,142
1 Credit ratings equal to or better than ‘BBB’.
Schedule of Derivative Assets |
| 2025 |  | 2024
| Investment grade 1 £m |  | Other £m |  | Total £m |  | Investment grade 1 £m |  | Other £m |  | Total £m
Trading and other | 18,361 |  | 1,341 |  | 19,702 |  | 22,684 |  | 1,333 |  | 24,017
Hedging | 24 |  | 1 |  | 25 |  | 39 |  | 9 |  | 48
Total derivative financial instruments | 18,385 |  | 1,342 |  | 19,727 |  | 22,723 |  | 1,342 |  | 24,065
1 Credit ratings equal to or better than ‘BBB’.
Schedule of Securities Lending Transactions | The following on-balance sheet financial assets have been lent to counterparties under securities lending transactions:
| 2025 £m | 2024 £m
Financial assets at fair value through profit or loss | 1,088 | 889
Financial assets at fair value through other comprehensive income | 5,034 | 6,124
Total | 6,122 | 7,013

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