v3.25.4

Insurance business - (G) Impacts of insurance and participating investment contracts recognised in the year (Details) - GBP (£) £ in Millions | 12 Months Ended
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Dec. 31, 2025 | Dec. 31, 2024
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | £ 0 | £ 0
Onerous contracts issued £m | 92 | 93
Total £m | 92 | 93
Estimates of the present value of future cash outflows |  |
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | 5,696 | 1,502
Onerous contracts issued £m | 709 | 4,701
Total £m | 6,405 | 6,203
Insurance acquisition cash flows |  |
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | 123 | 56
Onerous contracts issued £m | 185 | 203
Total £m | 308 | 259
Claims and other directly attributable expenses |  |
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | 5,573 | 1,446
Onerous contracts issued £m | 524 | 4,498
Total £m | 6,097 | 5,944
Estimates of the present value of future cash inflows |  |
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | (5,761) | (1,577)
Onerous contracts issued £m | (630) | (4,659)
Total £m | (6,391) | (6,236)
Risk adjustment for non-financial risk |  |
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | 47 | 14
Onerous contracts issued £m | 13 | 51
Total £m | 60 | 65
Contractual service margin |  |
Disclosure of actual claims compared with previous estimates [line items] |  |
Profitable contracts issued £m | 18 | 61
Onerous contracts issued £m | 0 | 0
Total £m | £ 18 | £ 61

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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from the effects of contracts acquired from other entities in transfers of insurance contracts or business combinations in the period. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 108 -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_108_a&doctype=Standard -URIDate 2025-03-27 + Details
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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from the effects of contracts initially recognised in the period. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 107 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_107&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 104 -Subparagraph a -Clause iii -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_104_a_iii&doctype=Standard -URIDate 2025-03-27 + Details
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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from the effects of groups of onerous contracts initially recognised in the period. An insurance contract is onerous at the date of initial recognition if the fulfilment cash flows allocated to the contract, any previously recognised acquisition cash flows and any cash flows arising from the contract at the date of initial recognition in total are a net outflow. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 108 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_108_b&doctype=Standard -URIDate 2025-03-27 + Details
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