v3.25.4

Goodwill and other intangible assets (Tables) | 12 Months Ended
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Dec. 31, 2025
Disclosure of detailed information about intangible assets [abstract] |
Disclosure of reconciliation of changes in intangible assets and goodwill |
| Goodwill £m | Brands £m | Purchased credit card relationships £m | Customer- related intangibles £m | Acquired value of in-force business £m | Capitalised software enhancements £m | Total £m
Cost 1: |  |  |  |  |  |  |
At 1 January 2024 | 3,142 | 591 | 1,002 | 682 | 834 | 8,918 | 15,169
Exchange and other adjustments | – | – | – | 3 | – | (5) | (2)
Additions and acquisitions | – | – | – | – | – | 1,259 | 1,259
Disposals and write-offs 2 | (50) | – | – | (423) | – | (216) | (689)
At 31 December 2024 | 3,092 | 591 | 1,002 | 262 | 834 | 9,956 | 15,737
Exchange and other adjustments | – | – | – | 3 | – | (47) | (44)
Additions and acquisitions | 262 | – | – | 296 | – | 1,252 | 1,810
Disposals and write-offs | – | – | – | – | – | (269) | (269)
At 31 December 2025 | 3,354 | 591 | 1,002 | 561 | 834 | 10,892 | 17,234
Accumulated amortisation: |  |  |  |  |  |  |
At 1 January 2024 | 344 | 205 | 762 | 483 | 680 | 4,389 | 6,863
Exchange and other adjustments | – | – | – | 3 | – | (12) | (9)
Charge for the year 3 | – | 1 | 70 | 13 | 17 | 1,221 | 1,322
Disposals and write-offs | – | – | – | (422) | – | (205) | (627)
At 31 December 2024 | 344 | 206 | 832 | 77 | 697 | 5,393 | 7,549
Exchange and other adjustments | – | – | – | 5 | – | (19) | (14)
Charge for the year 3 | – | 1 | 71 | 18 | 15 | 1,270 | 1,375
Disposals and write-offs | – | – | – | – | – | (269) | (269)
At 31 December 2025 | 344 | 207 | 903 | 100 | 712 | 6,375 | 8,641
Balance sheet amount at 31 December 2025 | 3,010 | 384 | 99 | 461 | 122 | 4,517 | 8,593
Balance sheet amount at 31 December 2024 | 2,748 | 385 | 170 | 185 | 137 | 4,563 | 8,188
1 For acquisitions made prior to 1 January 2004, the date of transition to IFRS Accounting Standards, cost is included net of amounts amortised up to 31 December 2003. 2 Disposals and write-offs includes goodwill of £50 million in 2024 that was classified as disposal group assets and presented within other assets in note 24. 3 The charge for the year is recognised in operating expenses (note 10).

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- Definition The disclosure of the reconciliation of changes in intangible assets and goodwill. [Refer: Intangible assets and goodwill] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 38 -IssueDate 2025-01-01 -Paragraph 118 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=38&code=ifrs-tx-2025-en-r&anchor=para_118&doctype=Standard -URIDate 2025-03-27 + Details
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