| Schedule of loan exposure and impairment metrics |
| | | | | | | 30 June | | 31 December | | | 2026 | | 2025 | | | £m | | £m | Loans - amortised cost and FVOCI (1,2) | | | | | Stage 1 | | 398,096 | | 386,651 | Stage 2 | | 44,915 | | 38,582 | Stage 3 | | 4,691 | | 4,683 | Of which: individual | | 1,176 | | 1,456 | Of which: collective | | 3,515 | | 3,227 | | | 447,702 | | 429,916 | ECL provisions (3) | | | | | Stage 1 | | 616 | | 614 | Stage 2 | | 872 | | 796 | Stage 3 | | 2,074 | | 2,175 | Of which: individual | | 492 | | 598 | Of which: collective | | 1,582 | | 1,577 | | | 3,562 | | 3,585 | ECL provisions coverage (4) | | | | | Stage 1 (%) | | 0.15 | | 0.16 | Stage 2 (%) | | 1.94 | | 2.06 | Stage 3 (%) | | 44.21 | | 46.44 | | | 0.80 | | 0.83 | | | | | | | | Half year ended | | | 30 June | | 30 June | | | 2026 | | 2025 | | | £m | | £m | Impairment losses | | | | | ECL charge/(release) (5) | | 423 | | 382 | Stage 1 | | (77) | | (67) | Stage 2 | | 283 | | 165 | Stage 3 | | 217 | | 284 | Of which: individual | | 48 | | 194 | Of which: collective | | 169 | | 90 | | | | | | Amounts written off | | 487 | | 192 | Of which: individual | | 168 | | 61 | Of which: collective | | 319 | | 131 |
| (1) | The table shows gross loans only and excludes amounts that were outside the scope of the ECL framework. Other financial assets within the scope of the IFRS 9 ECL framework were cash and balances at central banks totalling £75.9 billion (31 December 2025 - £84.1 billion) and debt securities of £85.2 billion (31 December 2025 - £78.4 billion). |
| (2) | Fair value through other comprehensive income (FVOCI). Includes loans to customers and banks. |
| (3) | Includes £10 million (31 December 2025 - £6 million) related to assets classified as FVOCI and £0.1 billion (31 December 2025 – £0.1 billion) related to off-balance sheet exposures. |
| (4) | ECL provisions coverage is calculated as ECL provisions divided by loans – amortised cost and FVOCI. It is calculated on loans and total ECL provisions, including ECL for other (non-loan) assets and unutilised exposure. |
| (5) | Includes a £2 million release (June 2025 – £1 million release) related to other financial assets, of which £2 million charges (June 2025 – £0 million release) related to assets classified as FVOCI and includes a £0 million charge (June 2025 – £10 million charge) related to contingent liabilities. |
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