v3.25.4

Insurance business - (B) Net investment return on assets held to back insurance and investment contracts and net insurance finance (expense) income arising from insurance and investment contracts (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Investment property gains (losses) | £ 99 | £ 67 |  | £ (87) |
Investment return on assets held to back insurance and investment contracts | 23,844 | 16,013 | [1] | 16,742 | [1]
Interest accreted | 13,230 | 12,277 | [1] | 13,298 | [1]
Net finance expense from insurance, participating investment and reinsurance contracts | (15,297) | (10,341) |  | (11,684) |
Movement in third party interests in consolidated funds | (1,954) | (1,059) |  | (1,109) |
Change in non-participating investment contracts | (6,793) | (4,878) |  | (3,983) |
Net finance expense in respect of insurance and investment contracts | (24,044) | (16,278) | [1] | (16,776) | [1]
Net investment return and finance result in respect of insurance and investment contracts | (200) | (265) | [1] | (34) | [1]
Income (expense) from unit-linked and with-profit contracts, variable fee approach | 15,009 | 10,688 |  | 10,200 |
Life |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net finance expense from insurance, participating investment and reinsurance contracts | (15,283) | (10,334) |  | (11,678) |
Non-life |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net finance expense from insurance, participating investment and reinsurance contracts | (14) | (7) |  | (6) |
Liabilities arising from insurance and participating investment contracts |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net gains on other financial instruments mandatorily held at fair value through profit or loss | 15,442 | 10,285 |  | 11,253 |
Foreign exchange | (42) | 196 |  | 542 |
Investment property gains (losses) | (4) | (4) |  | (4) |
Net investment return on assets held to back insurance and participating investment contracts | 15,396 | 10,477 |  | 11,791 |
Net investment return on assets held to back third party interests in consolidated funds | 2,054 | 1,105 |  | 1,179 |
Net investment return on assets held to back non-participating investment contracts | 6,394 | 4,431 |  | 3,772 |
Changes in fair value of underlying items of direct participating contracts | (14,943) | (10,844) |  | (10,293) |
Effects of risk mitigation option | 174 | 161 |  | 172 |
Interest accreted | (715) | (846) |  | (880) |
Effect of changes in interest rates and other financial assumptions | 64 | 1,001 |  | (654) |
Effect of changes in fulfilment cash flows at current rates when CSM is unlocked at locked-in rates | 69 | 140 |  | (80) |
Net finance expense from insurance and participating investment contracts | (15,351) | (10,388) |  | (11,735) |
Liabilities arising from insurance and participating investment contracts | Life |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net gains on other financial instruments mandatorily held at fair value through profit or loss | 15,408 | 10,247 |  | 11,218 |
Foreign exchange | (42) | 196 |  | 542 |
Investment property gains (losses) | (4) | (4) |  | (4) |
Net investment return on assets held to back insurance and participating investment contracts | 15,362 | 10,439 |  | 11,756 |
Changes in fair value of underlying items of direct participating contracts | (14,943) | (10,844) |  | (10,293) |
Effects of risk mitigation option | 174 | 161 |  | 172 |
Interest accreted | (701) | (839) |  | (874) |
Effect of changes in interest rates and other financial assumptions | 64 | 1,001 |  | (654) |
Effect of changes in fulfilment cash flows at current rates when CSM is unlocked at locked-in rates | 69 | 140 |  | (80) |
Net finance expense from insurance and participating investment contracts | (15,337) | (10,381) |  | (11,729) |
Liabilities arising from insurance and participating investment contracts | Non-life |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net gains on other financial instruments mandatorily held at fair value through profit or loss | 34 | 38 |  | 35 |
Foreign exchange | 0 | 0 |  | 0 |
Investment property gains (losses) | 0 | 0 |  | 0 |
Net investment return on assets held to back insurance and participating investment contracts | 34 | 38 |  | 35 |
Changes in fair value of underlying items of direct participating contracts | 0 | 0 |  | 0 |
Effects of risk mitigation option | 0 | 0 |  | 0 |
Interest accreted | (14) | (7) |  | (6) |
Effect of changes in interest rates and other financial assumptions | 0 | 0 |  | 0 |
Effect of changes in fulfilment cash flows at current rates when CSM is unlocked at locked-in rates | 0 | 0 |  | 0 |
Net finance expense from insurance and participating investment contracts | (14) | (7) |  | (6) |
Contracts held with reinsurers |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net finance income from reinsurance contracts held | 54 | 47 |  | 51 |
Contracts held with reinsurers | Life |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net finance income from reinsurance contracts held | 54 | 47 |  | 51 |
Contracts held with reinsurers | Non-life |  |  |  |  |
Disclosure of analysis of insurance revenue [line items] |  |  |  |  |
Net finance income from reinsurance contracts held | £ 0 | £ 0 |  | £ 0 |
[1] | 1 Comparative periods have been represented for presentational changes. See note 1.

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