v3.25.4

Finance lease receivables | 12 Months Ended
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Dec. 31, 2025
Disclosure of maturity analysis of finance lease payments receivable [abstract] |
Finance lease receivables | Note 22: Finance lease receivables The Group’s finance lease receivables are classified as loans and advances to customers and accounted for at amortised cost. The contractual maturity of these balances are analysed as follows:
| 2025 £m | 2024 £m
Not later than 1 year | 7,835 | 6,202
Later than 1 year and not later than 2 years | 5,176 | 5,251
Later than 2 years and not later than 3 years | 4,142 | 4,297
Later than 3 years and not later than 4 years | 2,731 | 2,868
Later than 4 years and not later than 5 years | 418 | 516
Later than 5 years | 357 | 475
Gross investment | 20,659 | 19,609
Unearned future finance income | (2,503) | (2,447)
Rentals received in advance | (22) | (18)
Net investment | 18,134 | 17,144
Equipment leased to customers under finance lease receivables relates to financing transactions to fund the purchase of aircraft, ships, motor vehicles and other items. There was an allowance for uncollectable finance lease receivables included in the allowance for impairment losses of £441 million (2024: £368 million). The Group’s finance lease assets are comprised as follows:
| 2025 £m | 2024 £m
Electric vehicles | 1,506 | 1,001
Internal combustion engine vehicles | 12,740 | 11,557
Self-charging hybrid vehicles | 575 | 347
Plug-in hybrid vehicles | 1,604 | 1,306
Other | 1,709 | 2,933
Net investment | 18,134 | 17,144

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- Definition The disclosure of a maturity analysis of finance lease payments receivable. Finance lease is a lease that transfers substantially all the risks and rewards incidental to ownership of an underlying asset. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2025-01-01 -Paragraph 94 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2025-en-r&anchor=para_94&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 122 -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_122_a&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 122 -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_122_a&doctype=Standard -URIDate 2025-03-27 + Details
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