Impairment (Tables)

12 Months Ended

Dec. 31, 2025

Disclosure of impairment loss and reversal of impairment loss [abstract]

Schedule of Impairment


Year ended 31 December 2025	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m		Total £m

Loans and advances to banks	–		–		–		–		–
Loans and advances to customers	14		(82)		999		(64)		867
Debt securities	–		–		–		–		–
Financial assets at amortised cost	14		(82)		999		(64)		867
Financial assets at fair value through other comprehensive income	(1)		–		–		–		(1)
Other assets	2		–		–		–		2
Loan commitments and financial guarantees	(30)		(43)		–		–		(73)
Total impairment (credit) charge	(15)		(125)		999		(64)		795

Note 14: Impairment continued


Year ended 31 December 2024	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m		Total £m

Loans and advances to banks	(7)		–		–		–		(7)
Loans and advances to customers	(147)		(289)		949		(6)		507
Debt securities	(4)		(2)		–		–		(6)
Financial assets at amortised cost	(158)		(291)		949		(6)		494
Financial assets at fair value through other comprehensive income	(3)		–		–		–		(3)
Other assets	(9)		–		–		–		(9)
Loan commitments and financial guarantees	(18)		(33)		–		–		(51)
Total impairment (credit) charge	(188)		(324)		949		(6)		431


Year ended 31 December 2023	Stage 1 £m		Stage 2 £m		Stage 3 £m		POCI £m		Total £m

Loans and advances to banks	(5)		(2)		–		–		(7)
Loans and advances to customers	261		(281)		414		(73)		321
Debt securities	–		1		–		–		1
Financial assets at amortised cost	256		(282)		414		(73)		315
Financial assets at fair value through other comprehensive income	(2)		–		–		–		(2)
Other assets	–		–		(10)		–		(10)
Loan commitments and financial guarantees	27		(25)		(2)		–		–
Total impairment charge (credit)	281		(307)		402		(73)		303