v3.25.4

Insurance business - Narrative (Details) - GBP (£) £ in Millions |  | 12 Months Ended
--- | --- | ---
Jun. 11, 2025 | Dec. 31, 2025 | Dec. 31, 2024
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Contracts held with reinsurers |  | £ 401 | £ 422
Liabilities arising from insurance and participating investment contracts |  | 135,318 | 122,087
Deferred tax assets |  | 3,990 | 5,005
Fair value of underlying items in respect of direct participating contracts |  | £ 121,347 | £ 110,045
Confidence level used to determine risk adjustment for non-financial risk |  | 68.00% | 68.00%
Percentage of base mortality, used in calculating bespoke mortality rates |  | 100.00% | 100.00%
Disposal group |  |  |
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Contracts held with reinsurers | £ 4,900 | £ 0 | £ 5,059
Liabilities arising from insurance and participating investment contracts | 5,100 | 0 | 5,268
Goodwill | 50 | 0 | 50
Deferred tax assets | 9 | £ 0 | £ 13
CSM recognised for services provided | 179 |  |
Gain (loss) recognised on measurement to fair value less costs to sell or on disposal of assets or disposal groups constituting discontinued operation | £ 120 |  |
Minimum |  |  |
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Lapse rate for workplace pensions |  | 1.30% | 0.80%
Lapse rate for longstanding business |  | 0.50% | 0.50%
Maximum |  |  |
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Lapse rate for workplace pensions |  | 16.90% | 13.80%
Lapse rate for longstanding business |  | 74.10% | 74.10%
Insurance and participating investment contracts |  |  |
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Confidence level used to determine risk adjustment for non-financial risk |  | 85.00% | 85.00%
Financial assets at fair value through profit or loss |  |  |
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Fair value of underlying items in respect of direct participating contracts |  | £ 122,685 | £ 111,435
Derivative financial liabilities |  |  |
Disclosure of nature and extent of risks that arise from contracts within scope of IFRS 17 [line items] |  |  |
Fair value of underlying items in respect of direct participating contracts |  | £ (902) | £ (1,125)

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- Definition The amount of reinsurance contracts held that are assets. [Refer: Assets; Reinsurance contracts held [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 78 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_78_c&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Note Expiry date 2027-01-01 -Name IAS -Number 1 -IssueDate 2025-01-01 -Paragraph 54 -Subparagraph da -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2025-en-b&anchor=para_54_da&doctype=Standard -URIDate 2025-03-27 + Details
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