v3.25.4

Allowance for expected credit losses - Narrative (Details) £ in Millions | 12 Months Ended |  |
--- | --- | --- | ---
Dec. 31, 2025 GBP (£) | Dec. 31, 2024 GBP (£) | Dec. 31, 2023 GBP (£)
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | £ (907,307) | £ (870,816) |
Base case |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Weight of scenario (in percent) | 30.00% | 30.00% |
Upside |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Weight of scenario (in percent) | 30.00% | 30.00% |
Downside |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Weight of scenario (in percent) | 30.00% | 30.00% |
Severe downside |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Weight of scenario (in percent) | 10.00% | 10.00% |
MES downside and severe downside |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Weighting percentage applied in ECL calculation | 40.00% |  |
Commercial Banking |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | £ (90,307) | £ (87,602) |
Commercial Banking | Maximum | Scenario risk – sector level |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
ECL impact | (15) | (15) |
Retail – UK mortgages |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | £ (323,087) | (312,280) |
Retail – UK mortgages | Flood risk damage |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Book not exposed to risk (in percent) | 0.80 |  |
Retail – UK mortgages | Coastal erosion damage risk |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Book not exposed to risk (in percent) | 0.99 |  |
Buy-to-let mortgage | Maximum | Scenario risk – macro level |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
ECL impact | £ 10 | 10 |
Credit cards |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | (17,344) | (15,661) |
Total Retail | Maximum | Scenario risk – macro level |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
ECL impact | (10) | (5) |
Allowance for expected credit losses |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 3,228 | 3,481 |
Allowance for expected credit losses | Individually assessed £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 355 | 354 |
Allowance for expected credit losses | Judgemental adjustments £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 224 | (44) |
Allowance for expected credit losses | Commercial Banking |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 834 | 882 | £ 1,022
Allowance for expected credit losses | Commercial Banking | Individually assessed £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 355 | 354 |
Allowance for expected credit losses | Commercial Banking | Individually assessed £m | Minimum |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 276 | 309 |
Allowance for expected credit losses | Commercial Banking | Individually assessed £m | Maximum |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 440 | 437 |
Allowance for expected credit losses | Commercial Banking | Judgemental adjustments £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 22 | 259 |
Allowance for expected credit losses | Commercial Banking | Judgemental adjustments £m | Loss given default alignment |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 50 | 80 |
Allowance for expected credit losses | Commercial Banking | Judgemental adjustments £m | Corporate Insolvency Rates |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 122 | 253 |
Allowance for expected credit losses | Commercial Banking | Judgemental adjustments £m | Corporate income gearing (CIG) |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 0 | 37 |
Allowance for expected credit losses | Commercial Banking | Judgemental adjustments £m | Commercial real estate price reduction |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 0 | 35 |
Allowance for expected credit losses | Commercial Banking | Judgemental adjustments £m | Global tariff and geo-political disruption risks |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 50 | 0 |
Allowance for expected credit losses | Retail – UK mortgages |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 726 | 848 | 1,105
Allowance for expected credit losses | Retail – UK mortgages | Individually assessed £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 0 | 0 |
Allowance for expected credit losses | Retail – UK mortgages | Judgemental adjustments £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 108 | 132 |
Allowance for expected credit losses | Retail – UK mortgages | Judgemental adjustments £m | Repossession risk |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 85 | 110 |
Allowance for expected credit losses | Retail – UK mortgages | Judgemental adjustments £m | Mortgage accounts in specific segments |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 13 | 13 |
Allowance for expected credit losses | Credit cards |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 514 | 579 | £ 699
Allowance for expected credit losses | Credit cards | Individually assessed £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 0 | 0 |
Allowance for expected credit losses | Credit cards | Judgemental adjustments £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 63 | (7) |
Allowance for expected credit losses | Credit cards | Judgemental adjustments £m | Extension of modelled lifetime on retail revolving products |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 49 | 55 |
Allowance for expected credit losses | Credit cards | Judgemental adjustments £m | Loss given default alignment |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 0 | (57) |
Allowance for expected credit losses | Other |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 937 | 882 |
Allowance for expected credit losses | Other | Individually assessed £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 0 | 0 |
Allowance for expected credit losses | Other | Judgemental adjustments £m |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 75 | 90 |
Allowance for expected credit losses | Other | Judgemental adjustments £m | Extension of modelled lifetime on retail revolving products |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 9 | 10 |
Allowance for expected credit losses | Other | Judgemental adjustments £m | Loss given default alignment |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 25 | 47 |
Allowance for expected credit losses | Total Retail |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | 2,177 | 2,309 |
Gross drawn exposures | Allowance for expected credit losses |  |  |
Schedule Of Allowance Account For Credit Losses Of Financial Assets [Line Items] |  |  |
Total | £ 3,031 | £ 3,211 |

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