Risk Management - Disclosure of movement in gross exposure for loan commitment and financial guarantees (Details) - Loan commitments and financial guarantees - GBP (£)
£ in Millions |
12 Months Ended |
Dec. 31, 2025 |
Dec. 31, 2024 |
| Gross exposure |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Net transfers between stages |
£ 0
|
£ 0
|
| Gross exposure | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
19
|
42
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(6)
|
(16)
|
| Limit management and final repayments |
(3)
|
(7)
|
| Closing/Ending balance |
10
|
19
|
| Gross exposure | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
114,303
|
111,411
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
24,439
|
15,650
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(7,962)
|
883
|
| Limit management and final repayments |
(11,473)
|
(13,641)
|
| Disposals |
(5,522)
|
|
| Closing/Ending balance |
113,785
|
114,303
|
| Gross exposure | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
4,084
|
3,591
|
| Business activity in the year |
625
|
742
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
360
|
588
|
| Limit management and final repayments |
(837)
|
(837)
|
| Disposals |
(787)
|
|
| Closing/Ending balance |
3,445
|
4,084
|
| Gross exposure | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
245,598
|
233,251
|
| Business activity in the year |
53,468
|
52,192
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
9,036
|
8,711
|
| Limit management and final repayments |
(65,518)
|
(48,556)
|
| Closing/Ending balance |
242,584
|
245,598
|
| Accumulated impairment |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Net transfers between stages |
0
|
0
|
| Accumulated impairment | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
0
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
0
|
| Limit management and final repayments |
0
|
0
|
| Closing/Ending balance |
0
|
0
|
| Accumulated impairment | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(50)
|
(85)
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
(13)
|
(14)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
15
|
23
|
| Limit management and final repayments |
11
|
26
|
| Disposals |
0
|
|
| Closing/Ending balance |
(37)
|
(50)
|
| Accumulated impairment | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(5)
|
(7)
|
| Business activity in the year |
0
|
(2)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
4
|
4
|
| Limit management and final repayments |
0
|
0
|
| Disposals |
0
|
|
| Closing/Ending balance |
(1)
|
(5)
|
| Accumulated impairment | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(365)
|
(381)
|
| Business activity in the year |
(89)
|
(63)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
8
|
(18)
|
| Limit management and final repayments |
86
|
97
|
| Closing/Ending balance |
(360)
|
(365)
|
| Stage 1 | Gross exposure | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
18
|
41
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(5)
|
(16)
|
| Limit management and final repayments |
(3)
|
(7)
|
| Closing/Ending balance |
10
|
18
|
| Stage 1 | Gross exposure | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
112,645
|
109,634
|
| Net transfers between stages |
(1,083)
|
(1,682)
|
| Business activity in the year |
24,319
|
15,489
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(6,434)
|
2,467
|
| Limit management and final repayments |
(11,277)
|
(13,263)
|
| Disposals |
(5,291)
|
|
| Closing/Ending balance |
112,879
|
112,645
|
| Stage 1 | Gross exposure | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
3,970
|
3,446
|
| Net transfers between stages |
(28)
|
(35)
|
| Business activity in the year |
624
|
741
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
291
|
621
|
| Limit management and final repayments |
(784)
|
(803)
|
| Disposals |
(756)
|
|
| Closing/Ending balance |
3,317
|
3,970
|
| Stage 1 | Gross exposure | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
229,565
|
212,414
|
| Net transfers between stages |
(201)
|
1,240
|
| Business activity in the year |
50,364
|
50,350
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
9,810
|
10,133
|
| Limit management and final repayments |
(60,919)
|
(44,572)
|
| Closing/Ending balance |
228,619
|
229,565
|
| Stage 1 | Accumulated impairment | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
0
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
0
|
| Limit management and final repayments |
0
|
0
|
| Closing/Ending balance |
0
|
0
|
| Stage 1 | Accumulated impairment | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(34)
|
(48)
|
| Net transfers between stages |
(7)
|
(20)
|
| Business activity in the year |
(11)
|
(11)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
19
|
34
|
| Limit management and final repayments |
7
|
11
|
| Disposals |
0
|
|
| Closing/Ending balance |
(26)
|
(34)
|
| Stage 1 | Accumulated impairment | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(5)
|
(5)
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
(2)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
4
|
2
|
| Limit management and final repayments |
0
|
0
|
| Disposals |
0
|
|
| Closing/Ending balance |
(1)
|
(5)
|
| Stage 1 | Accumulated impairment | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(116)
|
(114)
|
| Net transfers between stages |
(40)
|
(29)
|
| Business activity in the year |
(28)
|
(33)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
54
|
34
|
| Limit management and final repayments |
26
|
26
|
| Closing/Ending balance |
(104)
|
(116)
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
0
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
0
|
| Limit management and final repayments |
0
|
0
|
| Closing/Ending balance |
0
|
0
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
1,648
|
1,767
|
| Net transfers between stages |
1,083
|
1,675
|
| Business activity in the year |
120
|
160
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(1,528)
|
(1,576)
|
| Limit management and final repayments |
(196)
|
(378)
|
| Disposals |
(221)
|
|
| Closing/Ending balance |
906
|
1,648
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
103
|
116
|
| Net transfers between stages |
29
|
23
|
| Business activity in the year |
1
|
1
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
46
|
(26)
|
| Limit management and final repayments |
(33)
|
(11)
|
| Disposals |
(30)
|
|
| Closing/Ending balance |
116
|
103
|
| Lifetime expected credit losses | Stage 2 | Gross exposure | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
15,079
|
20,035
|
| Net transfers between stages |
269
|
(1,519)
|
| Business activity in the year |
2,699
|
1,650
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(492)
|
(1,391)
|
| Limit management and final repayments |
(4,259)
|
(3,696)
|
| Closing/Ending balance |
13,296
|
15,079
|
| Lifetime expected credit losses | Stage 2 | Accumulated impairment | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
0
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
0
|
| Limit management and final repayments |
0
|
0
|
| Closing/Ending balance |
0
|
0
|
| Lifetime expected credit losses | Stage 2 | Accumulated impairment | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(15)
|
(36)
|
| Net transfers between stages |
7
|
20
|
| Business activity in the year |
(2)
|
(3)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(5)
|
(11)
|
| Limit management and final repayments |
4
|
15
|
| Disposals |
0
|
|
| Closing/Ending balance |
(11)
|
(15)
|
| Lifetime expected credit losses | Stage 2 | Accumulated impairment | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
(2)
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
2
|
| Limit management and final repayments |
0
|
0
|
| Disposals |
0
|
|
| Closing/Ending balance |
0
|
0
|
| Lifetime expected credit losses | Stage 2 | Accumulated impairment | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(225)
|
(225)
|
| Net transfers between stages |
40
|
32
|
| Business activity in the year |
(61)
|
(30)
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(33)
|
(65)
|
| Limit management and final repayments |
56
|
63
|
| Closing/Ending balance |
(223)
|
(225)
|
| Lifetime expected credit losses | Stage 3 | Gross exposure | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
1
|
1
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(1)
|
0
|
| Limit management and final repayments |
0
|
0
|
| Closing/Ending balance |
0
|
1
|
| Lifetime expected credit losses | Stage 3 | Gross exposure | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
10
|
10
|
| Net transfers between stages |
0
|
7
|
| Business activity in the year |
0
|
1
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
(8)
|
| Limit management and final repayments |
0
|
0
|
| Disposals |
(10)
|
|
| Closing/Ending balance |
0
|
10
|
| Lifetime expected credit losses | Stage 3 | Gross exposure | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
11
|
29
|
| Net transfers between stages |
(1)
|
12
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
23
|
(7)
|
| Limit management and final repayments |
(20)
|
(23)
|
| Disposals |
(1)
|
|
| Closing/Ending balance |
12
|
11
|
| Lifetime expected credit losses | Stage 3 | Gross exposure | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
954
|
802
|
| Net transfers between stages |
(68)
|
279
|
| Business activity in the year |
405
|
192
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(282)
|
(31)
|
| Limit management and final repayments |
(340)
|
(288)
|
| Closing/Ending balance |
669
|
954
|
| Lifetime expected credit losses | Stage 3 | Accumulated impairment | Retail mortgages |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
0
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
0
|
| Limit management and final repayments |
0
|
0
|
| Closing/Ending balance |
0
|
0
|
| Lifetime expected credit losses | Stage 3 | Accumulated impairment | Retail credit cards |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(1)
|
(1)
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
1
|
0
|
| Limit management and final repayments |
0
|
0
|
| Disposals |
0
|
|
| Closing/Ending balance |
0
|
(1)
|
| Lifetime expected credit losses | Stage 3 | Accumulated impairment | Retail other |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
0
|
0
|
| Net transfers between stages |
0
|
0
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
0
|
0
|
| Limit management and final repayments |
0
|
0
|
| Disposals |
0
|
|
| Closing/Ending balance |
0
|
0
|
| Lifetime expected credit losses | Stage 3 | Accumulated impairment | Corporate loans |
|
|
| Loan commitments and financial guarantee contracts |
|
|
| Opening/Beginning balance |
(24)
|
(42)
|
| Net transfers between stages |
0
|
(3)
|
| Business activity in the year |
0
|
0
|
| Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes |
(13)
|
13
|
| Limit management and final repayments |
4
|
8
|
| Closing/Ending balance |
£ (33)
|
£ (24)
|