v3.25.4

Credit risk - Reconciliation to Net Carrying Amounts (Details) - GBP (£) £ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 870,816 |  |  |  |
Other changes in credit quality | (253) | £ 132 |  |  |
Charge (credit) to the income statement | 795 | 431 | [1] | £ 303 | [1]
At 31 December | 907,307 | 870,816 |  |  |
Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Charge/(credit) for methodology and model changes in financial assets | (53) |  |  |  |
Stage 3 £m | Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Charge/(credit) for methodology and model changes in financial assets | (17) |  |  |  |
Stage 1 £m | Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Charge/(credit) for methodology and model changes in financial assets | (18) |  |  |  |
Stage 2 £m | Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Charge/(credit) for methodology and model changes in financial assets | (18) |  |  |  |
Total loans and advances to customers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 459,857 |  |  |  |
At 31 December | £ 481,463 | £ 459,857 |  |  |
Drawn ECL coverage (%) | 0.60% | 0.70% |  |  |
Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 404,624 |  |  |  |
At 31 December | £ 429,456 | £ 404,624 |  |  |
Drawn ECL coverage (%) | 0.20% | 0.20% |  |  |
Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 43,605 |  |  |  |
At 31 December | £ 41,602 | £ 43,605 |  |  |
Drawn ECL coverage (%) | 2.50% | 2.60% |  |  |
Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 5,608 |  |  |  |
At 31 December | £ 5,488 | £ 5,608 |  |  |
Drawn ECL coverage (%) | 15.90% | 16.50% |  |  |
Total loans and advances to customers | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 6,020 |  |  |  |
At 31 December | £ 4,917 | £ 6,020 |  |  |
Drawn ECL coverage (%) | 3.10% | 3.00% |  |  |
Retail – UK mortgages |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 312,280 |  |  |  |
At 31 December | £ 323,087 | £ 312,280 |  |  |
Drawn ECL coverage (%) | 0.20% | 0.30% |  |  |
Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 269,707 |  |  |  |
At 31 December | £ 284,256 | £ 269,707 |  |  |
Drawn ECL coverage (%) | 0.00% | 0.00% |  |  |
Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 32,722 |  |  |  |
At 31 December | £ 30,207 | £ 32,722 |  |  |
Drawn ECL coverage (%) | 0.70% | 0.80% |  |  |
Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 3,831 |  |  |  |
At 31 December | £ 3,707 | £ 3,831 |  |  |
Drawn ECL coverage (%) | 7.70% | 8.00% |  |  |
Retail – UK mortgages | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 6,020 |  |  |  |
At 31 December | £ 4,917 | £ 6,020 |  |  |
Drawn ECL coverage (%) | 3.10% | 3.00% |  |  |
Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 15,661 |  |  |  |
At 31 December | 17,344 | £ 15,661 |  |  |
Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 13,385 |  |  |  |
At 31 December | £ 15,113 | £ 13,385 |  |  |
Drawn ECL coverage (%) | 1.00% | 1.10% |  |  |
Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 2,144 |  |  |  |
At 31 December | £ 2,078 | £ 2,144 |  |  |
Drawn ECL coverage (%) | 10.70% | 12.20% |  |  |
Retail – credit cards | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 132 |  |  |  |
At 31 December | £ 153 | £ 132 |  |  |
Drawn ECL coverage (%) | 44.20% | 50.20% |  |  |
Retail – credit cards | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Drawn ECL coverage (%) | 2.90% | 3.60% |  |  |
Commercial Banking |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 87,602 |  |  |  |
At 31 December | £ 90,307 | £ 87,602 |  |  |
Drawn ECL coverage (%) | 0.90% | 1.00% |  |  |
Commercial Banking | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 81,272 |  |  |  |
At 31 December | £ 83,847 | £ 81,272 |  |  |
Drawn ECL coverage (%) | 0.20% | 0.30% |  |  |
Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 4,904 |  |  |  |
At 31 December | £ 5,085 | £ 4,904 |  |  |
Drawn ECL coverage (%) | 5.20% | 5.10% |  |  |
Commercial Banking | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 1,426 |  |  |  |
At 31 December | £ 1,375 | £ 1,426 |  |  |
Drawn ECL coverage (%) | 21.70% | 22.50% |  |  |
Gross carrying amount | Total loans and advances to customers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | £ 463,048 | £ 453,462 |  |  |
Exchange and other adjustments | 1,028 | (995) |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Additions and repayments | 21,494 | 13,867 |  |  |
Disposals and derecognition | 0 | (2,257) |  |  |
Advances written off | (1,305) | (1,229) |  |  |
Recoveries of amounts previously written off | 209 | 200 |  |  |
At 31 December | 484,474 | 463,048 |  | 453,462 |
Gross carrying amount | Total loans and advances to customers | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Total loans and advances to customers | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Total loans and advances to customers | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 405,360 | 385,294 |  |  |
Exchange and other adjustments | 1,034 | (910) |  |  |
Impact of transfers between stages | (4,819) | (836) |  |  |
Additions and repayments | 28,618 | 22,529 |  |  |
Disposals and derecognition | 0 | (717) |  |  |
At 31 December | 430,193 | 405,360 |  | 385,294 |
Gross carrying amount | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 7,165 | 25,658 |  |  |
Gross carrying amount | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (10,427) | (25,390) |  |  |
Gross carrying amount | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (1,557) | (1,104) |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 44,765 | 53,167 |  |  |
Exchange and other adjustments | (17) | (23) |  |  |
Impact of transfers between stages | 2,319 | (1,759) |  |  |
Additions and repayments | (4,388) | (6,140) |  |  |
Disposals and derecognition | 0 | (480) |  |  |
At 31 December | 42,679 | 44,765 |  | 53,167 |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (7,021) | (25,607) |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 11,211 | 25,967 |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (1,871) | (2,119) |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 6,716 | 7,147 |  |  |
Exchange and other adjustments | 3 | (74) |  |  |
Impact of transfers between stages | 2,500 | 2,595 |  |  |
Additions and repayments | (1,606) | (1,612) |  |  |
Disposals and derecognition | 0 | (366) |  |  |
Advances written off | (1,296) | (1,174) |  |  |
Recoveries of amounts previously written off | 209 | 200 |  |  |
At 31 December | 6,526 | 6,716 |  | 7,147 |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (144) | (51) |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (784) | (577) |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 3,428 | 3,223 |  |  |
Gross carrying amount | Total loans and advances to customers | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 6,207 | 7,854 |  |  |
Exchange and other adjustments | 8 | 12 |  |  |
Additions and repayments | (1,130) | (910) |  |  |
Disposals and derecognition | 0 | (694) |  |  |
Advances written off | (9) | (55) |  |  |
Recoveries of amounts previously written off | 0 | 0 |  |  |
At 31 December | 5,076 | 6,207 |  | 7,854 |
Gross carrying amount | Retail – UK mortgages |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 313,128 | 307,320 |  |  |
Exchange and other adjustments | 7 | 12 |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Additions and repayments | 10,820 | 7,892 |  |  |
Disposals and derecognition |  | (1,976) |  |  |
Advances written off | (148) | (125) |  |  |
Recoveries of amounts previously written off | 6 | 5 |  |  |
At 31 December | 323,813 | 313,128 |  | 307,320 |
Gross carrying amount | Retail – UK mortgages | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Retail – UK mortgages | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Retail – UK mortgages | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 269,760 | 256,596 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | (1,981) | (243) |  |  |
Additions and repayments | 16,528 | 13,901 |  |  |
Disposals and derecognition |  | (494) |  |  |
At 31 December | 284,307 | 269,760 |  | 256,596 |
Gross carrying amount | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 3,892 | 21,133 |  |  |
Gross carrying amount | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (5,474) | (21,077) |  |  |
Gross carrying amount | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (399) | (299) |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 32,995 | 38,533 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | 1,204 | (973) |  |  |
Additions and repayments | (3,785) | (4,143) |  |  |
Disposals and derecognition |  | (422) |  |  |
At 31 December | 30,414 | 32,995 |  | 38,533 |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (3,850) | (21,105) |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 6,053 | 21,473 |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (999) | (1,341) |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 4,166 | 4,337 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | 777 | 1,216 |  |  |
Additions and repayments | (794) | (956) |  |  |
Disposals and derecognition |  | (366) |  |  |
Advances written off | (139) | (70) |  |  |
Recoveries of amounts previously written off | 6 | 5 |  |  |
At 31 December | 4,016 | 4,166 |  | 4,337 |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (42) | (28) |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (579) | (396) |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 1,398 | 1,640 |  |  |
Gross carrying amount | Retail – UK mortgages | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 6,207 | 7,854 |  |  |
Exchange and other adjustments | 7 | 12 |  |  |
Additions and repayments | (1,129) | (910) |  |  |
Disposals and derecognition |  | (694) |  |  |
Advances written off | (9) | (55) |  |  |
Recoveries of amounts previously written off | 0 | 0 |  |  |
At 31 December | 5,076 | 6,207 |  | 7,854 |
Gross carrying amount | Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 16,240 | 15,817 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Additions and repayments | 1,991 | 811 |  |  |
Advances written off | (496) | (506) |  |  |
Recoveries of amounts previously written off | 123 | 118 |  |  |
At 31 December | 17,858 | 16,240 |  | 15,817 |
Gross carrying amount | Retail – credit cards | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Retail – credit cards | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Retail – credit cards | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 13,534 | 12,625 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | 93 | 336 |  |  |
Additions and repayments | 1,631 | 573 |  |  |
At 31 December | 15,258 | 13,534 |  | 12,625 |
Gross carrying amount | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 956 | 1,162 |  |  |
Gross carrying amount | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (657) | (642) |  |  |
Gross carrying amount | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (206) | (184) |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 2,441 | 2,908 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | (486) | (720) |  |  |
Additions and repayments | 371 | 253 |  |  |
At 31 December | 2,326 | 2,441 |  | 2,908 |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (953) | (1,162) |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 694 | 683 |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (227) | (241) |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 265 | 284 |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | 393 | 384 |  |  |
Additions and repayments | (11) | (15) |  |  |
Advances written off | (496) | (506) |  |  |
Recoveries of amounts previously written off | 123 | 118 |  |  |
At 31 December | 274 | 265 |  | 284 |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (3) | 0 |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (37) | (41) |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 433 | 425 |  |  |
Gross carrying amount | Retail – credit cards | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 0 |  |  |  |
At 31 December | 0 | 0 |  |  |
Gross carrying amount | Commercial Banking |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 88,484 | 89,629 |  |  |
Exchange and other adjustments | (581) | (172) |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Additions and repayments | 3,390 | (813) |  |  |
Advances written off | (153) | (163) |  |  |
Recoveries of amounts previously written off | 1 | 3 |  |  |
At 31 December | 91,141 | 88,484 |  | 89,629 |
Gross carrying amount | Commercial Banking | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Commercial Banking | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Commercial Banking | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Gross carrying amount | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 81,477 | 79,574 |  |  |
Exchange and other adjustments | (543) | (103) |  |  |
Impact of transfers between stages | (1,548) | 210 |  |  |
Additions and repayments | 4,634 | 1,796 |  |  |
At 31 December | 84,020 | 81,477 |  | 79,574 |
Gross carrying amount | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 1,439 | 2,361 |  |  |
Gross carrying amount | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (2,502) | (1,850) |  |  |
Gross carrying amount | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (485) | (301) |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 5,168 | 7,987 |  |  |
Exchange and other adjustments | (38) | (5) |  |  |
Impact of transfers between stages | 1,003 | (654) |  |  |
Additions and repayments | (769) | (2,160) |  |  |
At 31 December | 5,364 | 5,168 |  | 7,987 |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (1,353) | (2,347) |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 2,633 | 1,951 |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (277) | (258) |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 1,839 | 2,068 |  |  |
Exchange and other adjustments | 0 | (64) |  |  |
Impact of transfers between stages | 545 | 444 |  |  |
Additions and repayments | (475) | (449) |  |  |
Advances written off | (153) | (163) |  |  |
Recoveries of amounts previously written off | 1 | 3 |  |  |
At 31 December | 1,757 | 1,839 |  | 2,068 |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (86) | (14) |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (131) | (101) |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 762 | 559 |  |  |
Gross carrying amount | Commercial Banking | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 0 |  |  |  |
At 31 December | 0 | 0 |  |  |
Allowance for expected credit losses |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (3,481) |  |  |  |
At 31 December | (3,228) | (3,481) |  |  |
Allowance for expected credit losses | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (889) |  |  |  |
At 31 December | (861) | (889) |  |  |
Allowance for expected credit losses | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (1,286) |  |  |  |
At 31 December | (1,160) | (1,286) |  |  |
Allowance for expected credit losses | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (1,119) |  |  |  |
At 31 December | (1,048) | (1,119) |  |  |
Allowance for expected credit losses | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (187) |  |  |  |
At 31 December | (159) | (187) |  |  |
Allowance for expected credit losses | Total loans and advances to customers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (3,191) | (3,717) |  |  |
Exchange and other adjustments | (49) | (56) |  |  |
Impact of transfers between stages | (454) | (350) |  |  |
Other changes in credit quality | 669 | 579 |  |  |
Additions and repayments | 256 | 422 |  |  |
Charge (credit) to the income statement | 867 | 507 |  |  |
Disposals and derecognition | 0 | 60 |  |  |
Advances written off | 1,305 | 1,229 |  |  |
Recoveries of amounts previously written off | (209) | (200) |  |  |
At 31 December | (3,011) | (3,191) |  | (3,717) |
Allowance for expected credit losses | Total loans and advances to customers | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (136) | (24) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (454) | (350) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (736) | (900) |  |  |
Exchange and other adjustments | 13 | 12 |  |  |
Impact of transfers between stages | 1 | (33) |  |  |
Other changes in credit quality | 27 | (130) |  |  |
Additions and repayments | 12 | 50 |  |  |
Charge (credit) to the income statement | 14 | (147) |  |  |
Disposals and derecognition | 0 | 5 |  |  |
At 31 December | (737) | (736) |  | (900) |
Allowance for expected credit losses | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (41) | (20) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (240) | (413) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 53 | 66 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 35 | 21 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | 12-month expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 153 | 293 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (1,160) | (1,467) |  |  |
Exchange and other adjustments | 1 | 6 |  |  |
Impact of transfers between stages | 7 | 116 |  |  |
Other changes in credit quality | (46) | (66) |  |  |
Additions and repayments | 29 | 107 |  |  |
Charge (credit) to the income statement | (82) | (289) |  |  |
Disposals and derecognition | 0 | 12 |  |  |
At 31 December | (1,077) | (1,160) |  | (1,467) |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (47) | 2 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 221 | 404 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (114) | (126) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 157 | 178 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (257) | (340) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (1,108) | (1,137) |  |  |
Exchange and other adjustments | (18) | (21) |  |  |
Impact of transfers between stages | (462) | (433) |  |  |
Other changes in credit quality | 677 | 709 |  |  |
Additions and repayments | 140 | 193 |  |  |
Charge (credit) to the income statement | 999 | 949 |  |  |
Disposals and derecognition | 0 | 25 |  |  |
Advances written off | 1,296 | 1,174 |  |  |
Recoveries of amounts previously written off | (209) | (200) |  |  |
At 31 December | (1,038) | (1,108) |  | (1,137) |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (52) | 15 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 19 | 9 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 61 | 60 |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (192) | (199) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | Stage 3 £m | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (350) | (303) |  |  |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (187) | (213) |  |  |
Exchange and other adjustments | (45) | (53) |  |  |
Other changes in credit quality | 11 | 66 |  |  |
Additions and repayments | 75 | 72 |  |  |
Charge (credit) to the income statement | (64) | (6) |  |  |
Disposals and derecognition | 0 | 18 |  |  |
Advances written off | 9 | 55 |  |  |
Recoveries of amounts previously written off | 0 | 0 |  |  |
At 31 December | (159) | (187) |  | (213) |
Allowance for expected credit losses | Total loans and advances to customers | Lifetime expected credit losses | POCI £m | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | 4 | (21) |  |  |
Allowance for expected credit losses | Retail – UK mortgages |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (848) | (1,105) |  |  |
Exchange and other adjustments | (79) | (104) |  |  |
Impact of transfers between stages | (58) | (48) |  |  |
Other changes in credit quality | 61 | (21) |  |  |
Additions and repayments | 178 | 215 |  |  |
Charge (credit) to the income statement | (59) | (188) |  |  |
Disposals and derecognition |  | 53 |  |  |
Advances written off | 148 | 125 |  |  |
Recoveries of amounts previously written off | (6) | (5) |  |  |
At 31 December | (726) | (848) |  | (1,105) |
Allowance for expected credit losses | Retail – UK mortgages | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (12) | 7 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (58) | (48) |  |  |
Allowance for expected credit losses | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (53) | (161) |  |  |
Exchange and other adjustments | 1 | (1) |  |  |
Impact of transfers between stages | 2 | (2) |  |  |
Other changes in credit quality | (6) | (94) |  |  |
Additions and repayments | (7) | 16 |  |  |
Charge (credit) to the income statement | (1) | (108) |  |  |
Disposals and derecognition |  | 1 |  |  |
At 31 December | (51) | (53) |  | (161) |
Allowance for expected credit losses | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality |  | 1 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (29) | (135) |  |  |
Allowance for expected credit losses | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 2 | 11 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | 12-month expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 29 | 122 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (273) | (374) |  |  |
Exchange and other adjustments | 1 | 0 |  |  |
Impact of transfers between stages | (6) | 25 |  |  |
Other changes in credit quality | (33) | (19) |  |  |
Additions and repayments | 38 | 48 |  |  |
Charge (credit) to the income statement | (65) | (92) |  |  |
Disposals and derecognition |  | 9 |  |  |
At 31 December | (207) | (273) |  | (374) |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (22) | 9 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 27 | 132 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (25) | (32) |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 19 | 39 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (27) | (114) |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (335) | (357) |  |  |
Exchange and other adjustments | (36) | (50) |  |  |
Impact of transfers between stages | (54) | (71) |  |  |
Other changes in credit quality | 89 | 26 |  |  |
Additions and repayments | 72 | 79 |  |  |
Charge (credit) to the income statement | 71 | 18 |  |  |
Disposals and derecognition |  | 25 |  |  |
Advances written off | 139 | 70 |  |  |
Recoveries of amounts previously written off | (6) | (5) |  |  |
At 31 December | (309) | (335) |  | (357) |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | 6 | 18 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 2 | 3 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 23 | 21 |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (19) | (39) |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | Stage 3 £m | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (60) | (56) |  |  |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (187) | (213) |  |  |
Exchange and other adjustments | (45) | (53) |  |  |
Other changes in credit quality | 11 | 66 |  |  |
Additions and repayments | 75 | 72 |  |  |
Charge (credit) to the income statement | (64) | (6) |  |  |
Disposals and derecognition |  | 18 |  |  |
Advances written off | 9 | 55 |  |  |
Recoveries of amounts previously written off | 0 | 0 |  |  |
At 31 December | (159) | (187) |  | (213) |
Allowance for expected credit losses | Retail – UK mortgages | Lifetime expected credit losses | POCI £m | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | 4 | (21) |  |  |
Allowance for expected credit losses | Retail – credit cards |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (579) | (699) |  |  |
Exchange and other adjustments | 19 | 18 |  |  |
Impact of transfers between stages | (103) | (97) |  |  |
Other changes in credit quality | 234 | 231 |  |  |
Additions and repayments | 10 | 42 |  |  |
Charge (credit) to the income statement | 327 | 286 |  |  |
Advances written off | 496 | 506 |  |  |
Recoveries of amounts previously written off | (123) | (118) |  |  |
At 31 December | (514) | (579) |  | (699) |
Allowance for expected credit losses | Retail – credit cards | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – credit cards | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – credit cards | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Retail – credit cards | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (103) | (97) |  |  |
Allowance for expected credit losses | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (149) | (168) |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | (25) | (39) |  |  |
Other changes in credit quality | (24) | (31) |  |  |
Additions and repayments | 5 | 27 |  |  |
Charge (credit) to the income statement | (4) | (19) |  |  |
At 31 December | (145) | (149) |  | (168) |
Allowance for expected credit losses | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (92) | (128) |  |  |
Allowance for expected credit losses | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 10 | 13 |  |  |
Allowance for expected credit losses | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 5 | 5 |  |  |
Allowance for expected credit losses | Retail – credit cards | 12-month expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 52 | 71 |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (297) | (401) |  |  |
Exchange and other adjustments | 0 | 0 |  |  |
Impact of transfers between stages | 42 | 78 |  |  |
Other changes in credit quality | (14) | (22) |  |  |
Additions and repayments | (7) | 4 |  |  |
Charge (credit) to the income statement | (49) | (104) |  |  |
At 31 December | (248) | (297) |  | (401) |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 91 | 128 |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (27) | (31) |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 55 | 65 |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (77) | (84) |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (133) | (130) |  |  |
Exchange and other adjustments | 19 | 18 |  |  |
Impact of transfers between stages | (120) | (136) |  |  |
Other changes in credit quality | 272 | 284 |  |  |
Additions and repayments | 12 | 11 |  |  |
Charge (credit) to the income statement | 380 | 409 |  |  |
Advances written off | 496 | 506 |  |  |
Recoveries of amounts previously written off | (123) | (118) |  |  |
At 31 December | (121) | (133) |  | (130) |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 1 | 0 |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 17 | 18 |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (60) | (70) |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | Stage 3 £m | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (78) | (84) |  |  |
Allowance for expected credit losses | Retail – credit cards | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 0 |  |  |  |
At 31 December | 0 | 0 |  |  |
Allowance for expected credit losses | Commercial Banking |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (882) | (1,022) |  |  |
Exchange and other adjustments | 9 | 17 |  |  |
Impact of transfers between stages | (143) | (69) |  |  |
Other changes in credit quality | 21 | 121 |  |  |
Additions and repayments | 51 | 153 |  |  |
Charge (credit) to the income statement | 113 | 37 |  |  |
Advances written off | 153 | 163 |  |  |
Recoveries of amounts previously written off | (1) | (3) |  |  |
At 31 December | (834) | (882) |  | (1,022) |
Allowance for expected credit losses | Commercial Banking | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (19) |  |  |  |
Allowance for expected credit losses | Commercial Banking | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Commercial Banking | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Commercial Banking | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 0 |  |  |
Allowance for expected credit losses | Commercial Banking | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (143) | (69) |  |  |
Allowance for expected credit losses | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (205) | (232) |  |  |
Exchange and other adjustments | 13 | 13 |  |  |
Impact of transfers between stages | 0 | (7) |  |  |
Other changes in credit quality | (15) | (11) |  |  |
Additions and repayments | 4 | 10 |  |  |
Charge (credit) to the income statement | (19) | (14) |  |  |
At 31 December | (173) | (205) |  | (232) |
Allowance for expected credit losses | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (18) |  |  |  |
Allowance for expected credit losses | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (62) | (86) |  |  |
Allowance for expected credit losses | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 12 | 12 |  |  |
Allowance for expected credit losses | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 5 | 4 |  |  |
Allowance for expected credit losses | Commercial Banking | 12-month expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 45 | 63 |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (264) | (372) |  |  |
Exchange and other adjustments | 2 | 5 |  |  |
Impact of transfers between stages | (21) | 21 |  |  |
Other changes in credit quality | (9) | (20) |  |  |
Additions and repayments | (5) | 62 |  |  |
Charge (credit) to the income statement | 17 | (103) |  |  |
At 31 December | (279) | (264) |  | (372) |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | 23 |  |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 53 | 85 |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (12) | (13) |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 18 | 19 |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 1 and 2 | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (80) | (70) |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 3 £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | (413) | (418) |  |  |
Exchange and other adjustments | (6) | (1) |  |  |
Impact of transfers between stages | (122) | (83) |  |  |
Other changes in credit quality | 45 | 152 |  |  |
Additions and repayments | 52 | 81 |  |  |
Charge (credit) to the income statement | 115 | 154 |  |  |
Advances written off | 153 | 163 |  |  |
Recoveries of amounts previously written off | (1) | (3) |  |  |
At 31 December | (382) | (413) |  | £ (418) |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Methodology and model changes |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Other changes in credit quality | (24) |  |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 1 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 9 | 1 |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 2 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | 0 | 1 |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Transfers to Stage 3 |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (23) | (23) |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | Stage 3 £m | Net change in ECL due to transfers |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
Impact of transfers between stages | (108) | (62) |  |  |
Allowance for expected credit losses | Commercial Banking | Lifetime expected credit losses | POCI £m |  |  |  |  |
Disclosure of financial assets [line items] |  |  |  |  |
At 1 January | 0 |  |  |  |
At 31 December | £ 0 | £ 0 |  |  |
[1] | 1 Comparative periods have been represented for presentational changes. See note 1.

X
- Definition The decrease in financial assets resulting from derecognition. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35I -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35I_c&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70_c&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70_c&doctype=Standard -URIDate 2025-03-27 Reference 6: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2025-03-27 Reference 7: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_DecreaseThroughDerecognitionFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition The decrease in financial assets resulting from write-off. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35I -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35I_c&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70_c&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 Reference 6: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 7: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70_c&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_DecreaseThroughWriteoffFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table. + References No definition available. + Details
Name: | ifrs-full_DisclosureOfFinancialAssetsLineItems
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The rate of expected credit losses, calculated as percentage of the gross carrying amount. Expected credit losses are the weighted average of credit losses with the respective risks of a default occurring as the weights. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35N -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35N&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph IG20D -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_IG20D&doctype=Implementation%20Guidance -URIDate 2025-03-27 + Details
Name: | ifrs-full_ExpectedCreditLossRate
Namespace Prefix: | ifrs-full_
Data Type: | dtr-2022:percentItemType
Balance Type: | na
Period Type: | instant

X
- Definition The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity’s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity’s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity’s own equity instruments. For this purpose the entity’s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity’s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 25 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_25&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35M -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35M&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35N -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35N&doctype=Standard -URIDate 2025-03-27 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35I&doctype=Standard -URIDate 2025-03-27 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 71 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_71&doctype=Standard -URIDate 2025-03-27 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70&doctype=Standard -URIDate 2025-03-27 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70&doctype=Standard -URIDate 2025-03-27 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 71 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_71&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_FinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Note Expiry date 2027-01-01 -Name IAS -Number 1 -IssueDate 2025-01-01 -Paragraph 85 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2025-en-b&anchor=para_85&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 133 -Subparagraph a -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_133_a_iv&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 99 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2025-en-b&anchor=para_99&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The increase (decrease) in financial assets resulting from foreign exchange and other movements. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The increase (decrease) in financial assets resulting from other movements. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35I&doctype=Standard -URIDate 2025-03-27 Reference 6: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 7: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_IncreaseDecreaseThroughOtherMovementsFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition The increase (decrease) in financial assets resulting from transfers. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35I -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35I_d&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70_d&doctype=Standard -URIDate 2025-03-27 Reference 6: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 7: http://www.xbrl.org/2003/role/exampleRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70_d&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_IncreaseDecreaseThroughTransfersFinancialAssets
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Charge/(Credit) For Methodology And Model Changes In Financial Assets + References No definition available. + Details
Name: | lyg_ChargeCreditForMethodologyAndModelChangesInFinancialAssets
Namespace Prefix: | lyg_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Increase (Decrease) Through Origination Or Purchase (Repayment), Financial Assets + References No definition available. + Details
Name: | lyg_IncreaseDecreaseThroughOriginationOrPurchaseRepaymentFinancialAssets
Namespace Prefix: | lyg_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | lyg_TypeOfMovementsInAllowanceForImpairmentLossesAxis=lyg_RetailCreditCardsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CategoriesOfFinancialAssetsAxis=lyg_Stage3Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CategoriesOfFinancialAssetsAxis=lyg_Stage1Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CategoriesOfFinancialAssetsAxis=lyg_Stage2Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_ConsumerLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_TwelvemonthExpectedCreditLossesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsNotCreditimpairedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_TypeOfMeasurementOfExpectedCreditLossesAxis=ifrs-full_LifetimeExpectedCreditLossesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsCreditimpairedAfterPurchaseOrOriginationMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CreditImpairmentOfFinancialInstrumentsAxis=ifrs-full_FinancialInstrumentsPurchasedOrOriginatedCreditimpairedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialInstrumentsAxis=ifrs-full_MortgagesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialInstrumentsAxis=lyg_CreditCardsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_ClassesOfFinancialInstrumentsAxis=lyg_CommercialBankingMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_GrossCarryingAmountMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis=lyg_TransferToStage1Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis=lyg_TransferToStage2Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis=lyg_TransferToStage3Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_CarryingAmountAccumulatedDepreciationAmortisationAndImpairmentAndGrossCarryingAmountAxis=ifrs-full_AccumulatedImpairmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_RiskExposuresAxis=lyg_MethodologyAndModelChangesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_FinancialAssetsWhichDoNotQualifyForDerecognitionAxis=lyg_NetChangeInAllowanceForCreditLossesDueToTransfersMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |