v3.25.4

Credit risk - Narrative (Details) - GBP (£) £ in Millions | Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | --- | ---
Disclosure of financial assets [line items] |  |  |
Assets obtained by taking possession of collateral or calling on other credit enhancements | £ 394 | £ 285 |
Total | £ (907,307) | £ (870,816) |
Percentage of mortgage portfolio | 16.90% | 20.90% |
Modified | Stage 2 and stage 3 |  |  |
Disclosure of financial assets [line items] |  |  |
Loans and advances to banks and customers | £ 0 | £ 0 |
Modified | Stage 1 £m |  |  |
Disclosure of financial assets [line items] |  |  |
Loans and advances to banks and customers | 0 |  |
Commercial loans |  |  |
Disclosure of financial assets [line items] |  |  |
Collateral held permitted to be sold or repledged | 468 | 575 |
Reverse repurchase agreements |  |  |
Disclosure of financial assets [line items] |  |  |
Collateral sold or repledged in absence of default by owner of collateral, at fair value | 12,257 | 10,676 |
Loan commitments and credit related contingencies |  |  |
Disclosure of financial assets [line items] |  |  |
Collateral held permitted to be sold or repledged | 18,272 | 17,181 |
Stock borrowed |  |  |
Disclosure of financial assets [line items] |  |  |
Collateral held permitted to be sold or repledged | 12,763 | 20,887 |
Collateral sold or repledged in absence of default by owner of collateral, at fair value | 7,542 | 11,781 |
Total loans and advances to customers |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (481,463) | (459,857) |
Total loans and advances to customers | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (41,602) | (43,605) |
Total loans and advances to customers | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (429,456) | (404,624) |
Total loans and advances to customers | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (5,488) | (5,608) |
Financial assets, subject to partial write-off | 992 | 971 |
Total loans and advances to customers | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (4,917) | (6,020) |
Allowance for expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 3,228 | 3,481 |
Allowance for expected credit losses | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 1,160 | 1,286 |
Allowance for expected credit losses | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 861 | 889 |
Allowance for expected credit losses | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 1,048 | 1,119 |
Allowance for expected credit losses | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 159 | 187 |
Allowance for expected credit losses | Retail – UK Motor Finance |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 428 | 356 |
Allowance for expected credit losses | Retail – UK Motor Finance | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 148 | 115 |
Allowance for expected credit losses | Retail – UK Motor Finance | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 201 | 169 |
Allowance for expected credit losses | Retail – UK Motor Finance | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 79 | 72 |
Allowance for expected credit losses | Retail – UK Motor Finance | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 0 | 0 |
Allowance for expected credit losses | Retail – UK Motor Finance | Residual Value Impairment And Voluntary Terminations |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 243 | 178 |
Allowance for expected credit losses | Other retail lending | Stage 1 and 2 |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 347 | 351 |
Allowance for expected credit losses | Other retail lending | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 360 |  |
Allowance for expected credit losses | Commercial loans | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 121 | 150 |
Allowance for expected credit losses | Provisions in relation to loan commitments and financial guarantees |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 197 | 270 |
Allowance for expected credit losses | Provisions in relation to loan commitments and financial guarantees | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 83 | 126 |
Allowance for expected credit losses | Provisions in relation to loan commitments and financial guarantees | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 113 | 142 |
Allowance for expected credit losses | Provisions in relation to loan commitments and financial guarantees | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 1 | 2 |
Allowance for expected credit losses | Provisions in relation to loan commitments and financial guarantees | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 0 | 0 |
Allowance for expected credit losses | Total loans and advances to customers |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 3,011 | 3,191 | £ 3,717
Allowance for expected credit losses | Total loans and advances to customers | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 1,077 | 1,160 | 1,467
Allowance for expected credit losses | Total loans and advances to customers | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 737 | 736 | 900
Allowance for expected credit losses | Total loans and advances to customers | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 1,038 | 1,108 | 1,137
Allowance for expected credit losses | Total loans and advances to customers | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 159 | 187 | 213
Gross carrying amount | Retail – UK Motor Finance |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (17,149) | (16,419) |
Gross carrying amount | Retail – UK Motor Finance | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (2,786) | (2,398) |
Gross carrying amount | Retail – UK Motor Finance | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (14,222) | (13,897) |
Gross carrying amount | Retail – UK Motor Finance | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (141) | (124) |
Gross carrying amount | Retail – UK Motor Finance | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | 0 | 0 |
Gross carrying amount | Other retail lending | Stage 1 and 2 |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (68,227) | (60,720) |
Gross carrying amount | Other retail lending | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (406) |  |
Gross carrying amount | Commercial loans | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (448) | (450) |
Gross carrying amount | Provisions in relation to loan commitments and financial guarantees | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (4,083) | (4,565) |
Gross carrying amount | Provisions in relation to loan commitments and financial guarantees | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (153,410) | (143,914) |
Gross carrying amount | Provisions in relation to loan commitments and financial guarantees | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (61) | (101) |
Gross carrying amount | Provisions in relation to loan commitments and financial guarantees | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (20) | (39) |
Gross carrying amount | Total loans and advances to customers |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (484,474) | (463,048) | (453,462)
Gross carrying amount | Total loans and advances to customers | Stage 1 and 2 | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (42,679) | (44,765) | (53,167)
Gross carrying amount | Total loans and advances to customers | Stage 1 and 2 | 12-month expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (430,193) | (405,360) | (385,294)
Gross carrying amount | Total loans and advances to customers | Stage 3 £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | (6,526) | (6,716) | (7,147)
Financial assets, subject to partial write-off | 235 | 297 |
Gross carrying amount | Total loans and advances to customers | POCI £m | Lifetime expected credit losses |  |  |
Disclosure of financial assets [line items] |  |  |
Total | £ (5,076) | £ (6,207) | £ (7,854)

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