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] 1Comparative periods have been represented for presentational changes. See note 1.