v3.25.4

Insurance business - (H) Life business contractual service margin run-off (Details) - GBP (£) £ in Millions | Dec. 31, 2025 | Dec. 31, 2024
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Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | £ (4,295) | £ (4,179)
Not later than 1 year |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (371) | (467)
Later than 1 year and not later than 2 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (339) | (319)
Later than 2 years and not later than 3 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (289) | (293)
Later than 3 years and not later than 4 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (265) | (251)
Later than 4 years and not later than 5 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (244) | (232)
5 to 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (951) | (914)
Over 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (1,836) | (1,703)
Insurance and participating investment contracts |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (4,385) | (4,646)
Insurance and participating investment contracts | Disposal group |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 0 | (544)
Insurance and participating investment contracts | Not later than 1 year |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (383) | (900)
Insurance and participating investment contracts | Later than 1 year and not later than 2 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (349) | (324)
Insurance and participating investment contracts | Later than 2 years and not later than 3 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (297) | (297)
Insurance and participating investment contracts | Later than 3 years and not later than 4 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (272) | (254)
Insurance and participating investment contracts | Later than 4 years and not later than 5 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (250) | (235)
Insurance and participating investment contracts | 5 to 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (969) | (922)
Insurance and participating investment contracts | Over 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (1,865) | (1,714)
Pensions and investments |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (3,117) | (2,733)
Pensions and investments | Not later than 1 year |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (277) | (240)
Pensions and investments | Later than 1 year and not later than 2 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (251) | (218)
Pensions and investments | Later than 2 years and not later than 3 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (207) | (199)
Pensions and investments | Later than 3 years and not later than 4 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (189) | (164)
Pensions and investments | Later than 4 years and not later than 5 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (172) | (152)
Pensions and investments | 5 to 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (663) | (591)
Pensions and investments | Over 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (1,358) | (1,169)
Annuities, protection and other |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (1,268) | (1,913)
Annuities, protection and other | Disposal group |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin |  | (544)
Annuities, protection and other | Not later than 1 year |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (106) | (660)
Annuities, protection and other | Later than 1 year and not later than 2 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (98) | (106)
Annuities, protection and other | Later than 2 years and not later than 3 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (90) | (98)
Annuities, protection and other | Later than 3 years and not later than 4 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (83) | (90)
Annuities, protection and other | Later than 4 years and not later than 5 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (78) | (83)
Annuities, protection and other | 5 to 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (306) | (331)
Annuities, protection and other | Over 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | (507) | (545)
Reinsurance contract liabilities |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 90 | 467
Reinsurance contract liabilities | Disposal group |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 0 | 426
Reinsurance contract liabilities | Not later than 1 year |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 12 | 433
Reinsurance contract liabilities | Later than 1 year and not later than 2 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 10 | 5
Reinsurance contract liabilities | Later than 2 years and not later than 3 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 8 | 4
Reinsurance contract liabilities | Later than 3 years and not later than 4 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 7 | 3
Reinsurance contract liabilities | Later than 4 years and not later than 5 years |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 6 | 3
Reinsurance contract liabilities | 5 to 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | 18 | 8
Reinsurance contract liabilities | Over 10 years £m |  |
Disclosure of information about expected recognition of contractual service margin in profit or loss [line items] |  |
Contractual service margin | £ 29 | £ 11

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- Definition The amount of the contractual service margin. [Refer: Contractual service margin [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 109 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_109&doctype=Standard -URIDate 2025-03-27 + Details
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