v3.25.4

Insurance business - (D) Reconciliation of insurance balances for liability for remaining coverage and liability for incurred claims (Details) - GBP (£) £ in Millions | 12 Months Ended
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Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | £ (127,355) |  |
Net liability at 31 December | (135,205) | £ (127,355) |
Life |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (126,968) | (119,783) |
Contracts under the fair value transition approach | 1,651 | 1,498 |
Other contracts | 1,035 | 1,138 |
Insurance revenue | 2,686 | 2,636 |
Insurance service expenses | (1,950) | (2,159) |
Insurance service result | 736 | 477 |
Net finance expense from insurance and participating investment contracts | (15,337) | (10,381) |
Exchange differences | (84) | 80 |
Total change in profit or loss | (14,685) | (9,824) |
Investment components | 0 | 0 |
Premiums received | (10,618) | (10,679) |
Claims and other insurance service expenses paid | 12,240 | 13,063 |
Insurance acquisition cash flows | 306 | 265 |
Cash flows | 1,928 | 2,649 |
Derecognition Consideration | 4,932 | 0 |
Transfer to other items in the balance sheet | 0 | (10) |
Net liability at 31 December | (134,793) | (126,968) | £ (119,783)
Losses and reversal of losses on onerous insurance contracts | 84 | 72 |
Amortisation of insurance acquisition cash flows | 117 | 105 | 88
Life | Excluding loss component £m |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (125,854) | (118,724) |
Contracts under the fair value transition approach | 1,651 | 1,498 |
Other contracts | 1,035 | 1,138 |
Insurance revenue | 2,686 | 2,636 |
Insurance service expenses | (120) | (105) |
Insurance service result | 2,566 | 2,531 |
Net finance expense from insurance and participating investment contracts | (15,313) | (10,371) |
Exchange differences | (84) | 80 |
Total change in profit or loss | (12,831) | (7,760) |
Investment components | 10,411 | 10,205 |
Premiums received | (10,618) | (10,679) |
Claims and other insurance service expenses paid | 0 | 849 |
Insurance acquisition cash flows | 306 | 265 |
Cash flows | (10,312) | (9,565) |
Derecognition Consideration | 4,932 | 0 |
Transfer to other items in the balance sheet | 0 | (10) |
Net liability at 31 December | (133,654) | (125,854) | (118,724)
Life | Loss component £m |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (515) | (466) |
Contracts under the fair value transition approach | 0 | 0 |
Other contracts | 0 | 0 |
Insurance revenue | 0 | 0 |
Insurance service expenses | (40) | (44) |
Insurance service result | (40) | (44) |
Net finance expense from insurance and participating investment contracts | (19) | (5) |
Exchange differences | 0 | 0 |
Total change in profit or loss | (59) | (49) |
Investment components | 0 | 0 |
Premiums received | 0 | 0 |
Claims and other insurance service expenses paid | 0 | 0 |
Insurance acquisition cash flows | 0 | 0 |
Cash flows | 0 | 0 |
Derecognition Consideration | 0 | 0 |
Transfer to other items in the balance sheet | 0 | 0 |
Net liability at 31 December | (574) | (515) | (466)
Life | Liability for incurred claims £m |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (599) | (593) |
Contracts under the fair value transition approach | 0 | 0 |
Other contracts | 0 | 0 |
Insurance revenue | 0 | 0 |
Insurance service expenses | (1,790) | (2,010) |
Insurance service result | (1,790) | (2,010) |
Net finance expense from insurance and participating investment contracts | (5) | (5) |
Exchange differences | 0 | 0 |
Total change in profit or loss | (1,795) | (2,015) |
Investment components | (10,411) | (10,205) |
Premiums received | 0 | 0 |
Claims and other insurance service expenses paid | 12,240 | 12,214 |
Insurance acquisition cash flows | 0 | 0 |
Cash flows | 12,240 | 12,214 |
Derecognition Consideration | 0 | 0 |
Transfer to other items in the balance sheet | 0 | 0 |
Net liability at 31 December | (565) | (599) | (593)
Non-life |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (387) | (364) |
Contracts under the fair value transition approach | 0 | 0 |
Other contracts | 752 | 655 |
Insurance revenue | 752 | 655 |
Insurance service expenses | (593) | (565) |
Insurance service result | 159 | 90 |
Net finance expense from insurance and participating investment contracts | (14) | (7) |
Total change in profit or loss | 145 | 83 |
Premiums received | (744) | (659) |
Claims and other insurance service expenses paid | 540 | 524 |
Insurance acquisition cash flows | 34 | 29 |
Cash flows | (170) | (106) |
Net liability at 31 December | (412) | (387) | (364)
Losses and reversal of losses on onerous insurance contracts | 0 |  |
Amortisation of insurance acquisition cash flows | 31 | 32 |
Non-life | Excluding loss component £m |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (32) | (25) |
Contracts under the fair value transition approach | 0 | 0 |
Other contracts | 752 | 655 |
Insurance revenue | 752 | 655 |
Insurance service expenses | (31) | (32) |
Insurance service result | 721 | 623 |
Net finance expense from insurance and participating investment contracts | 0 | 0 |
Total change in profit or loss | 721 | 623 |
Premiums received | (744) | (659) |
Claims and other insurance service expenses paid | 0 | 0 |
Insurance acquisition cash flows | 34 | 29 |
Cash flows | (710) | (630) |
Net liability at 31 December | (21) | (32) | (25)
Non-life | Loss component £m |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | 0 | 0 |
Contracts under the fair value transition approach | 0 | 0 |
Other contracts | 0 | 0 |
Insurance revenue | 0 | 0 |
Insurance service expenses | 0 | 0 |
Insurance service result | 0 | 0 |
Net finance expense from insurance and participating investment contracts | 0 | 0 |
Total change in profit or loss | 0 | 0 |
Premiums received | 0 | 0 |
Claims and other insurance service expenses paid | 0 | 0 |
Insurance acquisition cash flows | 0 | 0 |
Cash flows | 0 | 0 |
Net liability at 31 December | 0 | 0 | 0
Non-life | Liability for incurred claims £m |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Net liability at 1 January | (355) | (339) |
Contracts under the fair value transition approach | 0 | 0 |
Other contracts | 0 | 0 |
Insurance revenue | 0 | 0 |
Insurance service expenses | (562) | (533) |
Insurance service result | (562) | (533) |
Net finance expense from insurance and participating investment contracts | (14) | (7) |
Total change in profit or loss | (576) | (540) |
Premiums received | 0 | 0 |
Claims and other insurance service expenses paid | 540 | 524 |
Insurance acquisition cash flows | 0 | 0 |
Cash flows | 540 | 524 |
Net liability at 31 December | £ (391) | £ (355) | £ (339)

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