v3.25.4

Maturities of assets and liabilities | 12 Months Ended
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Dec. 31, 2025
Maturities of Assets and Liabilities [Abstract] |
Disclosure of Maturities of Assets and Liabilities | Note 18: Maturities of assets and liabilities The table below analyses assets and liabilities of the Group, other than liabilities arising from insurance and investment contracts (including those classified as disposal group liabilities), into relevant maturity groupings based on the remaining contractual period at the balance sheet date; balances with no fixed maturity such as goodwill, other intangible assets and property, plant and equipment are included in the over 5 years category. Liabilities arising from insurance and investment contracts are analysed on a behavioural basis. Certain deposit balances, included in the table below on the basis of their residual maturity, are repayable on demand upon payment of a penalty. The table is provided on a contractual basis. The Group’s assets and liabilities may be repaid or otherwise mature earlier or later than implied by their contractual terms and readers are, therefore, advised to use caution when using this data to evaluate the Group’s liquidity position. In particular, amounts in respect of customer deposits are usually contractually payable on demand or at short notice. However, in practice, these deposits are not usually withdrawn on their contractual maturity.
| Up to 1 month £m |  | 1 to 3 months £m |  | 3 to 6 months £m |  | 6 to 9 months £m |  | 9 to 12 months £m |  | 1 to 2 years £m |  | 2 to 5 years £m |  | Over 5 years £m |  | Total £m
At 31 December 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and balances at central banks | 56,661 |  | – |  | – |  | – |  | – |  | – |  | – |  | – |  | 56,661
Financial assets at fair value through profit or loss | 12,449 |  | 8,163 |  | 5,217 |  | 3,636 |  | 1,880 |  | 7,267 |  | 14,941 |  | 186,860 |  | 240,413
Derivative financial instruments | 1,626 |  | 1,759 |  | 759 |  | 583 |  | 418 |  | 1,179 |  | 2,814 |  | 10,589 |  | 19,727
Loans and advances to banks | 1,890 |  | 1,576 |  | 1,249 |  | 575 |  | 231 |  | 473 |  | 1,235 |  | 7 |  | 7,236
Loans and advances to customers | 18,991 |  | 13,984 |  | 15,869 |  | 13,550 |  | 11,358 |  | 37,418 |  | 69,454 |  | 300,839 |  | 481,463
Reverse repurchase agreements | 9,911 |  | 14,193 |  | 11,114 |  | 3,901 |  | 1,489 |  | 6,875 |  | 3,503 |  | – |  | 50,986
Debt securities | 88 |  | 459 |  | 1,597 |  | 370 |  | 446 |  | 1,152 |  | 2,804 |  | 7,071 |  | 13,987
Financial assets at amortised cost | 30,880 |  | 30,212 |  | 29,829 |  | 18,396 |  | 13,524 |  | 45,918 |  | 76,996 |  | 307,917 |  | 553,672
Financial assets at fair value through other comprehensive income | 205 |  | 934 |  | 276 |  | 415 |  | 451 |  | 4,163 |  | 12,821 |  | 17,055 |  | 36,320
Other assets | 2,668 |  | 841 |  | 153 |  | 1,083 |  | 90 |  | 222 |  | 276 |  | 31,946 |  | 37,279
Total assets | 104,489 |  | 41,909 |  | 36,234 |  | 24,113 |  | 16,363 |  | 58,749 |  | 107,848 |  | 554,367 |  | 944,072
Liabilities |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Deposits from banks | 1,921 |  | 386 |  | 813 |  | 951 |  | 115 |  | 449 |  | 1,134 |  | 10 |  | 5,779
Customer deposits | 423,727 |  | 25,731 |  | 17,233 |  | 10,711 |  | 9,055 |  | 6,413 |  | 3,170 |  | 417 |  | 496,457
Repurchase agreements at amortised cost | 11,865 |  | 9,699 |  | 6,511 |  | 876 |  | 232 |  | 6,269 |  | 1 |  | 3,117 |  | 38,570
Financial liabilities at fair value through profit or loss | 13,100 |  | 6,021 |  | 2,103 |  | 342 |  | 419 |  | 362 |  | 1,484 |  | 4,078 |  | 27,909
Derivative financial instruments | 1,254 |  | 1,361 |  | 677 |  | 388 |  | 318 |  | 1,119 |  | 2,497 |  | 8,518 |  | 16,132
Debt securities in issue at amortised cost | 243 |  | 9,345 |  | 11,459 |  | 6,594 |  | 3,193 |  | 13,787 |  | 21,566 |  | 12,084 |  | 78,271
Liabilities arising from insurance and participating investment contracts | 476 |  | 675 |  | 393 |  | 465 |  | 501 |  | 2,383 |  | 9,215 |  | 121,176 |  | 135,284
Liabilities arising from non-participating investment contracts | 481 |  | 718 |  | 1,063 |  | 1,050 |  | 1,038 |  | 4,018 |  | 10,984 |  | 42,288 |  | 61,640
Other liabilities | 6,754 |  | 1,783 |  | 276 |  | 912 |  | 734 |  | 1,646 |  | 469 |  | 13,695 |  | 26,269
Subordinated liabilities | – |  | 1,130 |  | – |  | – |  | 500 |  | – |  | 4,081 |  | 4,183 |  | 9,894
Total liabilities | 459,821 |  | 56,849 |  | 40,528 |  | 22,289 |  | 16,105 |  | 36,446 |  | 54,601 |  | 209,566 |  | 896,205
Note 18: Maturities of assets and liabilities continued
| Up to 1 month £m |  | 1 to 3 months £m |  | 3 to 6 months £m |  | 6 to 9 months £m |  | 9 to 12 months £m |  | 1 to 2 years £m |  | 2 to 5 years £m |  | Over 5 years £m |  | Total £m
At 31 December 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and balances at central banks | 62,705 |  | – |  | – |  | – |  | – |  | – |  | – |  | – |  | 62,705
Financial assets at fair value through profit or loss | 13,096 |  | 6,843 |  | 6,680 |  | 3,675 |  | 2,837 |  | 4,244 |  | 11,030 |  | 167,520 |  | 215,925
Derivative financial instruments | 2,405 |  | 2,302 |  | 1,079 |  | 774 |  | 659 |  | 1,237 |  | 3,062 |  | 12,547 |  | 24,065
Loans and advances to banks | 2,842 |  | 1,350 |  | 903 |  | 452 |  | 187 |  | 583 |  | 1,579 |  | 4 |  | 7,900
Loans and advances to customers | 18,748 |  | 12,747 |  | 15,375 |  | 12,271 |  | 11,010 |  | 34,790 |  | 67,901 |  | 287,015 |  | 459,857
Reverse repurchase agreements | 22,793 |  | 13,356 |  | 6,945 |  | 2,764 |  | 1,524 |  | 1,355 |  | 739 |  | – |  | 49,476
Debt securities | 40 |  | 1,439 |  | 232 |  | 358 |  | 273 |  | 4,128 |  | 2,183 |  | 5,891 |  | 14,544
Financial assets at amortised cost | 44,423 |  | 28,892 |  | 23,455 |  | 15,845 |  | 12,994 |  | 40,856 |  | 72,402 |  | 292,910 |  | 531,777
Financial assets at fair value through other comprehensive income | 8 |  | 178 |  | 39 |  | 140 |  | 728 |  | 3,908 |  | 11,746 |  | 13,943 |  | 30,690
Other assets | 3,231 |  | 1,015 |  | 157 |  | 1,030 |  | 106 |  | 295 |  | 643 |  | 35,058 |  | 41,535
Total assets | 125,868 |  | 39,230 |  | 31,410 |  | 21,464 |  | 17,324 |  | 50,540 |  | 98,883 |  | 521,978 |  | 906,697
Liabilities |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Deposits from banks | 1,783 |  | 669 |  | 540 |  | 171 |  | 171 |  | 350 |  | 2,413 |  | 61 |  | 6,158
Customer deposits | 392,403 |  | 27,489 |  | 18,009 |  | 18,650 |  | 18,327 |  | 4,153 |  | 3,456 |  | 258 |  | 482,745
Repurchase agreements at amortised cost | 8,698 |  | 5,140 |  | 1,660 |  | – |  | 13,227 |  | 93 |  | 8,942 |  | – |  | 37,760
Financial liabilities at fair value through profit or loss | 15,443 |  | 3,677 |  | 774 |  | 131 |  | 1,048 |  | 402 |  | 1,466 |  | 4,670 |  | 27,611
Derivative financial instruments | 2,409 |  | 2,218 |  | 1,054 |  | 781 |  | 588 |  | 1,207 |  | 3,407 |  | 10,012 |  | 21,676
Debt securities in issue at amortised cost | 3,222 |  | 10,190 |  | 6,074 |  | 4,265 |  | 2,089 |  | 8,190 |  | 26,525 |  | 10,279 |  | 70,834
Liabilities arising from insurance and participating investment contracts | 478 |  | 436 |  | 51 |  | 102 |  | 224 |  | 1,510 |  | 7,992 |  | 111,271 |  | 122,064
Liabilities arising from non-participating investment contracts | 419 |  | 646 |  | 1,058 |  | 1,211 |  | 1,165 |  | 4,362 |  | 9,807 |  | 32,560 |  | 51,228
Other liabilities | 7,519 |  | 1,711 |  | 351 |  | 684 |  | 446 |  | 1,548 |  | 2,237 |  | 16,148 |  | 30,644
Subordinated liabilities | – |  | 638 |  | 277 |  | – |  | 1,070 |  | 1,706 |  | 2,219 |  | 4,179 |  | 10,089
Total liabilities | 432,374 |  | 52,814 |  | 29,848 |  | 25,995 |  | 38,355 |  | 23,521 |  | 68,464 |  | 189,438 |  | 860,809

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