Lloyds Bank (LLOY) 20-F 24 Mar 20 2019 FY Annual report (foreign) Financial data

Document And Entity Information

Document And Entity Information	12 Months Ended
	Dec. 31, 2019shares
Document Information Line Items
Entity Registrant Name	Lloyds Bank plc
Document Type	20-F
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding	1,574,285,851
Amendment Flag	false
Entity Central Index Key	0001167831
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Non-accelerated Filer
Entity Well-known Seasoned Issuer	No
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Ex Transition Period	false
Document Annual Report	true
Document Shell Company Report	false
Document Transition Report	false
Entity Interactive Data Current	Yes

CONSOLIDATED INCOME STATEMENT

CONSOLIDATED INCOME STATEMENT - The Group [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
Interest and similar income		£ 16,098	£ 16,216	[1]	£ 15,853	[1]
Interest and similar expense	[2]	(3,878)	(3,462)	[1]	(3,489)	[1]
Net interest income		12,220	12,754	[1]	12,364	[1]
Fee and commission income		2,363	2,497	[1]	2,786	[1]
Fee and commission expense		(1,027)	(1,228)	[1]	(1,024)	[1]
Net fee and commission income		1,336	1,269	[1]	1,762	[1]
Net trading income		360	408	[1]	773	[1]
Other operating income		2,692	2,543	[1]	2,453	[1]
Other income		4,388	4,220	[1]	4,988	[1]
Total income		16,608	16,974	[1]	17,352	[1]
Regulatory provisions		(2,190)	(1,956)	[1]	(2,122)	[1]
Other operating expenses		(8,933)	(9,812)	[1]	(9,508)	[1]
Total operating expenses		(11,123)	(11,768)	[1]	(11,630)	[1]
Trading surplus		5,485	5,206	[1]	5,722	[1]
Impairment		(1,362)	(926)	[1]	(687)	[1]
Profit before tax – continuing operations		4,123	4,280	[1]	5,035	[1]
Tax expense		(1,287)	(1,377)	[1]	(1,528)	[1]
Profit after tax – continuing operations		2,836	2,903	[1]	3,507	[1]
Profit after tax – discontinued operations	[1]		1,314		796
Profit for the year		2,836	4,217	[1]	4,303	[1]
Profit attributable to ordinary shareholders		2,515	3,907	[1]	3,940	[1]
Profit attributable to other equity holders		281	275	[1]	273	[1]
Profit attributable to equity holders		2,796	4,182	[1]	4,213	[1]
Profit attributable to non-controlling interests		£ 40	£ 35	[1]	£ 90	[1]
[1]	Restated, see note 1.
[2]	Includes 119 million (2018: 10 million; 2017: 50 million) of interest expense on assets with negative interest rates.

STATEMENTS OF COMPREHENSIVE INC

STATEMENTS OF COMPREHENSIVE INCOME - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
The Group [member]
Profit for the year		£ 2,836	£ 4,217	[1]	£ 4,303	[1]
Post-retirement defined benefit scheme remeasurements2:
Remeasurements before tax	[2]	(1,433)	167	[1]	628	[1]
Tax	[2]	316	(47)	[1]	(146)	[1]
	[2]	(1,117)	120	[1]	482	[1]
Movements in revaluation reserve in respect of equity shares held at fair value through other comprehensive income:
Change in fair value	[1]		(98)
Tax		12	22	[1]
		12	(76)	[1]
Gains and losses attributable to own credit risk:
Gains (losses) before tax		(419)	533	[1]	(55)	[1]
Tax		113	(144)	[1]	15	[1]
		(306)	389	[1]	(40)	[1]
Share of other comprehensive income of associates and joint ventures	[1]		8
Movements in revaluation reserve in respect of debt securities held at fair value through other comprehensive income:
Change in fair value		(34)	(31)	[1]
Income statement transfers in respect of disposals		(196)	(268)	[1]
Impairment recognised in the income statement		(1)		[1]
Tax		72	115	[1]
		(159)	(184)	[1]
Movements in revaluation reserve in respect of available-for-sale financial assets:
Change in fair value	[1]				294
Income statement transfers in respect of disposals	[1]				(464)
Income statement transfers in respect of impairment	[1]				6
Tax	[1]				64
	[1]				(100)
Movements in cash flow hedging reserve:
Effective portion of changes in fair value taken to other comprehensive income		1,166	91	[1]	(271)	[1]
Net income statement transfers		(580)	(691)	[1]	(644)	[1]
Tax		(140)	137	[1]	264	[1]
		446	(463)	[1]	(651)	[1]
Movements in foreign currency translation reserve:
Currency translation differences (tax: £nil)		(2)	(15)	[1]	(27)	[1]
Transfers to income statement (tax: £nil)	[1]		108
		(2)	93	[1]	(27)	[1]
Other comprehensive income for the year, net of tax		(1,126)	(113)	[1]	(336)	[1]
Total comprehensive income for the year		1,710	4,104	[1]	3,967	[1]
Total comprehensive income attributable to ordinary shareholders arising from continuing operations		1,389	2,450	[1]	2,755	[1]
Total comprehensive income attributable to ordinary shareholders arising from discontinued operations1	[2]		1,344	[1]	849	[1]
Total comprehensive income attributable to ordinary shareholders		1,389	3,794	[1]	3,604	[1]
Total comprehensive income attributable to other equity holders		281	275	[1]	273	[1]
Total comprehensive income attributable to equity holders		1,670	4,069	[1]	3,877	[1]
Total comprehensive income attributable to non-controlling interests		40	35	[1]	90	[1]
The Bank [member]
Profit for the year		2,446	6,141	[1]	5,353	[1]
Post-retirement defined benefit scheme remeasurements2:
Remeasurements before tax		(776)	(206)	[1]	442	[1]
Tax		200	44	[1]	(110)	[1]
		(576)	(162)	[1]	332	[1]
Movements in revaluation reserve in respect of equity shares held at fair value through other comprehensive income:
Change in fair value	[1]		(102)
Tax		12		[1]
		12	(102)	[1]
Gains and losses attributable to own credit risk:
Gains (losses) before tax		(419)	533	[1]	(55)	[1]
Tax		113	(144)	[1]	15	[1]
		(306)	389	[1]	(40)	[1]
Movements in revaluation reserve in respect of debt securities held at fair value through other comprehensive income:
Change in fair value		(50)	(58)	[1]
Income statement transfers in respect of disposals		(201)	(258)	[1]
Impairment recognised in the income statement		(1)		[1]
Tax		74	114	[1]
		(178)	(202)	[1]
Movements in revaluation reserve in respect of available-for-sale financial assets:
Change in fair value	[1]				231
Income statement transfers in respect of disposals	[1]				(333)
Tax	[1]				46
	[1]				(56)
Movements in cash flow hedging reserve:
Effective portion of changes in fair value taken to other comprehensive income		892	255	[1]	15	[1]
Net income statement transfers		(448)	(628)	[1]	(436)	[1]
Tax		(105)	87	[1]	130	[1]
		339	(286)	[1]	(291)	[1]
Movements in foreign currency translation reserve:
Currency translation differences (tax: £nil)		6	2	[1]	(5)	[1]
Transfers to income statement (tax: £nil)	[1]		(84)
		6	(82)	[1]	(5)	[1]
Other comprehensive income for the year, net of tax		(703)	(445)	[1]	(60)	[1]
Total comprehensive income for the year		1,743	5,696	[1]	5,293	[1]
Total comprehensive income attributable to ordinary shareholders		1,462	5,421	[1]	5,020	[1]
Total comprehensive income attributable to other equity holders		£ 281	£ 275	[1]	£ 273	[1]
[1]	Restated, see note 1.
[2]	2018 included post-retirement defined benefit scheme remeasurements in the Group's discontinued operations of 37 million (30 million after tax).

STATEMENTS OF COMPREHENSIVE I_2

STATEMENTS OF COMPREHENSIVE INCOME (Parentheticals) - GBP (£)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	[1]	Dec. 31, 2017	[1]
The Group [member]
Currency translation differences tax
Transfers to income statement tax
The Bank [member]
Currency translation differences tax
Transfers to income statement tax
[1]	Restated, see note 1.

BALANCE SHEETS

BALANCE SHEETS - GBP (£) £ in Millions	Dec. 31, 2019		Dec. 31, 2018
The Group [member]
Assets
Cash and balances at central banks	£ 38,880		£ 40,213
Items in the course of collection from banks	292		645
Financial assets at fair value through profit or loss	2,284		23,256
Derivative financial instruments	8,494	[1]	11,293	[2]
Loans and advances to banks	4,852		3,692
Loans and advances to customers	474,470		464,044
Debt securities	5,325		5,095
Due from fellow Lloyds Banking Group undertakings	1,854		1,878
Financial assets at amortised cost	486,501		474,709
Financial assets at fair value through other comprehensive income	24,617		24,368
Goodwill	474		474
Other intangible assets	3,781		3,322
Property, plant and equipment	9,467		8,515
Current tax recoverable	4		1
Deferred tax assets	3,366		3,222
Retirement benefit assets	681		1,267
Other assets	2,527		2,239
Total assets	581,368		593,524
Liabilities
Deposits from banks	23,593		26,263
Customer deposits	396,839		391,251
Due to fellow Lloyds Banking Group undertakings	4,893		19,663
Items in course of transmission to banks	354		615
Financial liabilities at fair value through profit or loss	7,702		17,730
Derivative financial instruments	9,831		10,911
Notes in circulation	1,079		1,104
Debt securities in issue	76,431		64,533
Other liabilities	5,600		4,335
Retirement benefit obligations	257		245
Current tax liabilities	166		354
Other provisions	3,138		4,025
Subordinated liabilities	12,586		12,745
Total liabilities	542,469		553,774
Equity
Share capital	1,574		1,574
Share premium account	600		600
Other reserves	7,250		6,965
Retained profits	24,549		27,321
Shareholders’ equity	33,973		36,460
Other equity instruments	4,865		3,217
Total equity excluding non-controlling interests	38,838		39,677
Non-controlling interests	61		73
Total equity	38,899		39,750
Total equity and liabilities	581,368		593,524
The Bank [member]
Assets
Cash and balances at central banks	35,741		37,632
Items in the course of collection from banks	252		464
Financial assets at fair value through profit or loss	703		20,843
Derivative financial instruments	13,638		15,431
Loans and advances to banks	4,453		3,153
Loans and advances to customers	177,569		172,315
Debt securities	5,241		4,960
Due from fellow Lloyds Banking Group undertakings	202,277		153,585
Financial assets at amortised cost	389,540		334,013
Financial assets at fair value through other comprehensive income	22,160		23,208
Goodwill
Other intangible assets	2,618		2,062
Property, plant and equipment	3,594		2,940
Current tax recoverable	7
Deferred tax assets	2,029		1,984
Investment in subsidiary undertakings	34,084		32,656
Retirement benefit assets	386		704
Other assets	998		849
Total assets	505,750		472,786
Liabilities
Deposits from banks	7,122		5,320
Customer deposits	239,762		229,402
Due to fellow Lloyds Banking Group undertakings	109,771		88,383
Items in course of transmission to banks	198		341
Financial liabilities at fair value through profit or loss	7,697		17,719
Derivative financial instruments	14,211		14,546
Notes in circulation
Debt securities in issue	61,509		49,787
Other liabilities	2,792		3,522
Retirement benefit obligations	124		121
Current tax liabilities			213
Other provisions	1,436		1,919
Subordinated liabilities	9,909		9,528
Total liabilities	454,531		420,801
Equity
Share capital	1,574		1,574
Share premium account	600		600
Other reserves	1,710		1,543
Retained profits	42,470		45,051
Shareholders’ equity	46,354		48,768
Other equity instruments	4,865		3,217
Total equity excluding non-controlling interests	51,219		51,985
Non-controlling interests
Total equity	51,219		51,985
Total equity and liabilities	£ 505,750		£ 472,786
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).

STATEMENT OF CHANGES IN EQUITY

STATEMENT OF CHANGES IN EQUITY - GBP (£) £ in Millions		Share premium [member]The Group [member]		Share premium [member]The Bank [member]	Other reserves [member]The Group [member]Debt securities [member]	Other reserves [member]The Group [member]Equity shares [member]	Other reserves [member]The Group [member]		Other reserves [member]The Bank [member]Debt securities [member]	Other reserves [member]The Bank [member]Equity shares [member]	Other reserves [member]The Bank [member]	Retained earnings [member]The Group [member]		Retained earnings [member]The Bank [member]	Equity attributable to owners of parent [member]The Group [member]Debt securities [member]	Equity attributable to owners of parent [member]The Group [member]Equity shares [member]	Equity attributable to owners of parent [member]The Group [member]		Equity attributable to owners of parent [member]The Bank [member]Debt securities [member]	Equity attributable to owners of parent [member]The Bank [member]Equity shares [member]	Equity attributable to owners of parent [member]The Bank [member]	Other equity interest [member]The Group [member]		Other equity interest [member]The Bank [member]	Non-controlling interests [member]The Group [member]		The Group [member]Debt securities [member]	The Group [member]Equity shares [member]	The Group [member]		The Bank [member]Debt securities [member]	The Bank [member]Equity shares [member]	The Bank [member]
Balance at Dec. 31, 2016		£ 1,574		£ 1,574			£ 8,484				£ 2,593	£ 36,231		£ 50,390			£ 46,289				£ 54,557	£ 3,217		£ 3,217	£ 745				£ 50,251				£ 57,774
Transactions with owners
Dividends (note 38) | Previously stated [member]												(2,650)		(2,650)
Dividends (note 38)												(2,650)		(2,650)			(2,650)				(2,650)				(69)				(2,719)				(2,650)
Distributions on other equity instruments	[1]											(273)		(273)			(273)				(273)								(273)				(273)
Adjustment on vesting of businesses | Previously stated [member]														278
Adjustment on vesting of businesses														278							278												278
Redemption of preference shares | Previously stated [member]												(600)		(600)
Redemption of preference shares		600		600								(600)		(600)
Capital contribution received | Previously stated [member]												432		432
Capital contribution received												432		432			432				432								432				432
Return of capital contributions | Previously stated [member]												(77)		(77)															(77)				(77)
Return of capital contributions												(77)		(77)			(77)				(77)								(77)				(77)
Changes in non-controlling interests																									(387)				(387)
Total transactions with owners		600		600								(3,168)		(3,168)			(2,568)				(2,568)				(456)				(3,024)				(2,568)
Comprehensive income
Profit for the year			[1]					[1]				4,213	[1]	5,353			4,213	[1]			5,353		[1]		90	[1]			4,303	[1]			5,353	[1]
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:
Post-retirement defined benefit scheme remeasurements, net of tax | Previously stated [member]												482		332
Post-retirement defined benefit scheme remeasurements, net of tax												482		332			482				332								482	[1],[2]			332	[1]
Movements in revaluation reserve in respect of available-for-sale financial assets, net of tax							(100)				(56)						(100)				(56)								(100)				(56)
Share of other comprehensive income of associates and joint ventures	[1]
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:
Gains and losses attributable to own credit risk, net of tax												(40)		(40)			(40)				(40)								(40)	[1]			(40)	[1]
Movements in cash flow hedging reserve, net of tax							(651)				(291)						(651)				(291)								(651)	[1]			(291)	[1]
Currency translation differences (tax: nil)							(27)				(5)						(27)				(5)								(27)	[1]			(5)	[1]
Total other comprehensive income							(778)				(352)	442		292			(336)				(60)								(336)	[1]			(60)	[1]
Total comprehensive income							(778)				(352)	4,655		5,645			3,877				5,293				90				3,967	[1]			5,293	[1]
Balance (Previously stated [member]) at Dec. 31, 2017		2,174		2,174			7,706				2,241	37,718		53,145			47,598				57,560	3,217		3,217	379				51,194				60,777
Balance (Increase (decrease) due to changes in accounting policy [member]) at Dec. 31, 2017			[1]				(222)	[1]			(170)	(969)	[1]	(302)			(1,191)	[1]			(472)		[1]			[1]			(1,191)	[1]			(472)
Balance at Dec. 31, 2017		2,174		2,174			7,484				2,071	36,749		52,843			46,407				57,088	3,217		3,217	379				50,003				60,305
Transactions with owners
Dividends (note 38)												(11,022)		(11,022)			(11,022)				(11,022)				(36)				(11,058)				(11,022)
Distributions on other equity instruments	[1]											(275)		(275)			(275)				(275)								(275)				(275)
Capital repayment to parent												(2,975)		(2,975)			(2,975)				(2,975)								(2,975)				(2,975)
Capital contribution received												265		265			265				265								265				265
Return of capital contributions												(9)		(9)			(9)				(9)								(9)				(9)
Changes in non-controlling interests																									(305)				(305)
Total transactions with owners												(14,016)		(14,016)			(14,016)				(14,016)				(341)				(14,357)				(14,016)
Realised gains and losses on equity shares held at fair value through other comprehensive income							111				144	(111)		(144)															(98)	[1]			(102)	[1]
Comprehensive income
Profit for the year	[1]											4,182		6,141			4,182				6,141				35				4,217				6,141
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:
Post-retirement defined benefit scheme remeasurements, net of tax												120		(162)			120				(162)								120	[1],[2]			(162)	[1]
Share of other comprehensive income of associates and joint ventures												8					8												8	[1]
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:					£ (184)	£ (76)			£ (202)	£ (102)					£ (184)	£ (76)			£ (202)	£ (102)							£ (184)	£ (76)			£ (202)	£ (102)
Gains and losses attributable to own credit risk, net of tax												389		389			389				389								389	[1]			389	[1]
Movements in cash flow hedging reserve, net of tax							(463)				(286)						(463)				(286)								(463)	[1]			(286)	[1]
Currency translation differences (tax: nil)							93				(82)						93				(82)								93	[1]			(82)	[1]
Total other comprehensive income							(630)				(672)	517		227			(113)				(445)								(113)	[1]			(445)	[1]
Total comprehensive income							(630)				(672)	4,699		6,368			4,069				5,696				35				4,104	[1]			5,696	[1]
Balance at Dec. 31, 2018		2,174		2,174			6,965				1,543	27,321		45,051			36,460				48,768	3,217		3,217	73				39,750				51,985
Transactions with owners
Dividends (note 38)												(4,100)		(4,100)			(4,100)				(4,100)				(38)				(4,138)				(4,100)
Distributions on other equity instruments												(281)		(281)			(281)				(281)								(281)				(281)
Issue of other equity instruments (note 37)																						1,648		1,648					1,648				1,648
Capital contribution received												229		229			229				229								229				229
Return of capital contributions												(5)		(5)			(5)				(5)								(5)				(5)
Changes in non-controlling interests																									(14)				(14)
Total transactions with owners												(4,157)		(4,157)			(4,157)				(4,157)	1,648		1,648	(52)				(2,561)				(2,509)
Realised gains and losses on equity shares held at fair value through other comprehensive income							(12)				(12)	12		12
Comprehensive income
Profit for the year												2,796		2,446			2,796				2,446				40				2,836				2,446
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:
Post-retirement defined benefit scheme remeasurements, net of tax												(1,117)		(576)			(1,117)				(576)								(1,117)	[2]			(576)
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:
Movements in revaluation reserve in respect of financial assets held at fair value through other comprehensive income, net of tax:					£ (159)	£ 12			£ (178)	£ 12					£ (159)	£ 12			£ (178)	£ 12							£ (159)	£ 12			£ (178)	£ 12
Gains and losses attributable to own credit risk, net of tax												(306)		(306)			(306)				(306)								(306)				(306)
Movements in cash flow hedging reserve, net of tax							446				339						446				339								446				339
Currency translation differences (tax: nil)							(2)				6						(2)				6								(2)				6
Total other comprehensive income							297				179	(1,423)		(882)			(1,126)				(703)								(1,126)				(703)
Total comprehensive income							297				179	1,373		1,564			1,670				1,743				40				1,710				1,743
Balance at Dec. 31, 2019		£ 2,174		£ 2,174			£ 7,250				£ 1,710	£ 24,549		£ 42,470			£ 33,973				£ 46,354	£ 4,865		£ 4,865	£ 61				£ 38,899				£ 51,219
[1]	Restated, see note 1.
[2]	2018 included post-retirement defined benefit scheme remeasurements in the Group's discontinued operations of 37 million (30 million after tax).

STATEMENT OF CHANGES IN EQUITY

STATEMENT OF CHANGES IN EQUITY (Parentheticals) - GBP (£)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
Currency translation differences tax
The Bank [member]
Currency translation differences tax
Equity attributable to owners of parent [member] | The Group [member]
Currency translation differences tax
Equity attributable to owners of parent [member] | The Bank [member]
Currency translation differences tax

CASH FLOW STATEMENTS

CASH FLOW STATEMENTS - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
The Group [member]
Profit before tax	[1]	£ 4,123		£ 5,660
Change in operating assets		12,904		34,184
Change in operating liabilities		(5,630)		(61,433)
Non-cash and other items		1,469		(743)
Tax received (paid)		(1,232)		(1,616)
Net cash used in operating activities		11,634		(23,948)
Cash flows from investing activities
Purchase of financial assets		(9,108)		(12,309)
Proceeds from sale and maturity of financial assets		8,847		26,863
Purchase of fixed assets		(3,552)		(3,450)
Proceeds from sale of fixed assets		1,258		1,262
Acquisition of businesses, net of cash acquired				(26)
Disposal of businesses, net of cash disposed		107		8,604
Net cash provided by investing activities		(2,448)		20,944
Cash flows from financing activities
Dividends paid to ordinary shareholders		(4,100)		(11,022)
Distributions on other equity instruments		(281)		(275)
Dividends paid to non-controlling interests		(38)		(36)
Return of capital contribution		(5)		(9)		£ (77)
Interest paid on subordinated liabilities		(906)		(1,022)
Proceeds from issue of subordinated liabilities		780		201
Proceeds from issue of other equity instruments		1,648
Return of capital to parent company				(2,975)
Repayment of subordinated liabilities		(762)		(2,256)
Borrowings from parent company		916		9,860
Repayments to parent company		(7,357)		(10,354)
Interest paid on borrowing from parent company		(187)		(370)
Net cash (used in) provided by financing activities		(10,292)		(18,258)
Effect of exchange rate changes on cash and cash equivalents		(3)		3
Change in cash and cash equivalents		(1,109)		(21,259)
Cash and cash equivalents at beginning of year		39,723		60,982
Cash and cash equivalents at end of year		38,614		39,723		60,982
The Group [member] | Previously stated [member]
Profit before tax	[1]					5,978
Change in operating assets						(15,733)
Change in operating liabilities						(13,379)
Non-cash and other items						12,297
Tax received (paid)						(682)
Net cash used in operating activities						(11,519)
Cash flows from investing activities
Purchase of financial assets						(7,857)
Proceeds from sale and maturity of financial assets						18,667
Purchase of fixed assets						(3,655)
Proceeds from sale of fixed assets						1,444
Acquisition of businesses, net of cash acquired						(1,913)
Disposal of businesses, net of cash disposed						984
Net cash provided by investing activities						7,670
Cash flows from financing activities
Dividends paid to ordinary shareholders						(2,650)
Distributions on other equity instruments						(273)
Dividends paid to non-controlling interests						(69)
Return of capital contribution						(77)
Interest paid on subordinated liabilities						(1,157)
Repayment of subordinated liabilities						(1,608)
Borrowings from parent company						8,476
Repayments to parent company						(475)
Interest paid on borrowing from parent company						(244)
Net cash (used in) provided by financing activities						1,923
Change in cash and cash equivalents						(1,926)
Cash and cash equivalents at beginning of year				60,982		62,908
Cash and cash equivalents at end of year						60,982
The Bank [member]
Profit before tax		3,091	[1]	6,898	[1],[2]	5,808	[2]
Change in operating assets		(31,543)		46,534
Change in operating liabilities		39,301		(76,719)
Non-cash and other items		(950)		(3,610)
Tax received (paid)		(596)		(393)
Net cash used in operating activities		9,303		(27,290)
Cash flows from investing activities
Purchase of financial assets		(7,748)		(11,699)
Proceeds from sale and maturity of financial assets		8,664		25,927
Purchase of fixed assets		(1,638)		(1,486)
Proceeds from sale of fixed assets		91		113
Additional capital injections to subsidiaries		(1,766)		(13)
Dividends received from subsidiaries		1,331		4,867
Distributions on other equity instruments received		103		101
Capital repayments and redemptions		212		210
Acquisition of businesses, net of cash acquired				(98)
Disposal of businesses, net of cash disposed		20		7,704
Net cash provided by investing activities		(731)		25,626
Cash flows from financing activities
Dividends paid to ordinary shareholders		(4,100)		(11,022)
Distributions on other equity instruments		(281)		(275)
Return of capital contribution		(5)		(9)		(77)
Interest paid on subordinated liabilities		(674)		(659)
Proceeds from issue of subordinated liabilities		780
Proceeds from issue of other equity instruments		1,648
Return of capital to parent company				(2,975)
Repayment of subordinated liabilities		(184)
Borrowings from parent company		916		9,860
Repayments to parent company		(7,357)		(10,354)
Interest paid on borrowing from parent company		(187)		(370)
Net cash (used in) provided by financing activities		(9,444)		(15,804)
Effect of exchange rate changes on cash and cash equivalents				2
Change in cash and cash equivalents		(872)		(17,466)
Cash and cash equivalents at beginning of year		38,654		56,120
Cash and cash equivalents at end of year		£ 37,782		38,654		56,120
The Bank [member] | Previously stated [member]
Profit before tax	[1]					5,808
Change in operating assets						(11,165)
Change in operating liabilities						3,463
Non-cash and other items						(1,973)
Tax received (paid)						437
Net cash used in operating activities						(3,430)
Cash flows from investing activities
Purchase of financial assets						(7,550)
Proceeds from sale and maturity of financial assets						16,480
Purchase of fixed assets						(1,155)
Proceeds from sale of fixed assets						85
Additional capital injections to subsidiaries						(34)
Dividends received from subsidiaries						4,378
Distributions on other equity instruments received						101
Acquisition of businesses, net of cash acquired						(2,026)
Disposal of businesses, net of cash disposed						592
Net cash provided by investing activities						10,871
Cash flows from financing activities
Dividends paid to ordinary shareholders						(2,650)
Distributions on other equity instruments						(273)
Return of capital contribution						(77)
Interest paid on subordinated liabilities						(668)
Repayment of subordinated liabilities						(675)
Borrowings from parent company						8,476
Repayments to parent company						(475)
Interest paid on borrowing from parent company						(244)
Net cash (used in) provided by financing activities						3,414
Effect of exchange rate changes on cash and cash equivalents						(1)
Change in cash and cash equivalents						10,854
Cash and cash equivalents at beginning of year				56,120		45,266
Cash and cash equivalents at end of year						56,120
Increase (decrease) due to changes in accounting policy required by IFRSs [member] | The Group [member] | Previously stated [member]
Cash flows from financing activities
Cash and cash equivalents at beginning of year				£ (2,274)
Cash and cash equivalents at end of year						£ (2,274)
[1]	Group profit before tax in 2018 comprised 4,280 million in respect of continuing operations and 1,380 million in respect of discontinued operations (2017: 5,035 million in respect of continuing operations and 943 million in respect of discontinued operations).
[2]	Restated, see note 1.

BASIS OF PREPARATION

BASIS OF PREPARATION	12 Months Ended
	Dec. 31, 2019
Disclosure of basis of preparation of financial statements [text block] [Abstract]
Disclosure of basis of preparation of financial statements [text block]	1 BASIS OF PREPARATION The financial statements of Lloyds Bank plc have been prepared in accordance with International Financial Reporting Standards (IFRS). IFRS comprises accounting standards prefixed IFRS issued by the International Accounting Standards Board (IASB) and those prefixed IAS issued by the IASB’s predecessor body as well as interpretations issued by the IFRS Interpretations Committee (IFRS IC) and its predecessor body. On adoption of IFRS 9 in 2018 the Group (Lloyds Bank plc and its subsidiary undertakings) elected to continue applying hedge accounting under IAS 39. The financial information has been prepared under the historical cost convention, as modified by the revaluation of investment properties, financial assets measured at fair value through other comprehensive income, trading securities and certain other financial assets and liabilities at fair value through profit or loss and all derivative contracts. The going concern of the Bank and the Group is dependent on successfully funding their respective balance sheets and maintaining adequate levels of capital. In order to satisfy themselves that the Bank and the Group have adequate resources to continue to operate for the foreseeable future, the directors have considered a number of key dependencies which are set out in the Principal risks and uncertainties section and under Funding and liquidity on page 68 and additionally have considered projections for the Group’s capital and funding position. Taking all of these factors into account, the directors consider that it is appropriate to continue to adopt the going concern basis in preparing the financial statements. The Group adopted IFRS 16 Leases Leases The Group has also implemented the amendments to IAS 12 Income Taxes The Group has early adopted the hedge accounting amendments Interest Rate Benchmark Reform Certain of the Bank’s balances due to and from fellow Lloyds Banking Group undertakings previously reported net are presented on a gross basis as at 31 December 2019. The Bank does not intend to settle these balances on a net basis going forward. Details of those IFRS pronouncements which will be relevant to the Group but which were not effective at 31 December 2019 and which have not been applied in preparing these financial statements are given in note 51. The Group adopted IFRS 9 and IFRS 15 with effect from 1 January 2018.

ACCOUNTING POLICIES

ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2019
Disclosure of significant accounting policies [text block] [Abstract]
Disclosure of significant accounting policies [text block]	2 ACCOUNTING POLICIES The accounting policies are set out below. These accounting policies have been applied consistently. A Consolidation The assets, liabilities and results of Group undertakings (including structured entities) are included in the financial statements on the basis of accounts made up to the reporting date. Group undertakings include subsidiaries, associates and joint ventures. (1) SUBSIDIARIES Subsidiaries are entities controlled by the Group. The Group controls an entity when it has power over the entity, is exposed to, or has rights to, variable returns from its involvement with the entity, and has the ability to affect those returns through the exercise of its power. This generally accompanies a shareholding of more than one half of the voting rights although in certain circumstances a holding of less than one half of the voting rights may still result in the ability of the Group to exercise control. The existence and effect of potential voting rights that are currently exercisable or convertible are considered when assessing whether the Group controls another entity. The Group reassesses whether or not it controls an entity if facts and circumstances indicate that there are changes to any of the above elements. Subsidiaries are fully consolidated from the date on which control is transferred to the Group; they are de-consolidated from the date that control ceases. The Group consolidates collective investment vehicles if its beneficial ownership interests give it substantive rights to remove the external fund manager over the investment activities of the fund. Where a subsidiary of the Group is the fund manager of a collective investment vehicle, the Group considers a number of factors in determining whether it acts as principal, and therefore controls the collective investment vehicle, including: an assessment of the scope of the Group’s decision making authority over the investment vehicle; the rights held by other parties including substantive removal rights without cause over the Group acting as fund manager; the remuneration to which the Group is entitled in its capacity as decision maker; and the Group’s exposure to variable returns from the beneficial interest it holds in the investment vehicle. Consolidation may be appropriate in circumstances where the Group has less than a majority beneficial interest. Where a collective investment vehicle is consolidated the interests of parties other than the Group are reported in other liabilities and the movements in these interests in interest expense. Structured entities are entities that are designed so that their activities are not governed by way of voting rights. In assessing whether the Group has power over such entities in which it has an interest, the Group considers factors such as the purpose and design of the entity; its practical ability to direct the relevant activities of the entity; the nature of the relationship with the entity; and the size of its exposure to the variability of returns of the entity. The treatment of transactions with non-controlling interests depends on whether, as a result of the transaction, the Group loses control of the subsidiary. Changes in the parent’s ownership interest in a subsidiary that do not result in a loss of control are accounted for as equity transactions; any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognised directly in equity and attributed to the owners of the parent entity. Where the Group loses control of the subsidiary, at the date when control is lost the amount of any non-controlling interest in that former subsidiary is derecognised and any investment retained in the former subsidiary is remeasured to its fair value; the gain or loss that is recognised in profit or loss on the partial disposal of the subsidiary includes the gain or loss on the remeasurement of the retained interest. Intercompany transactions, balances and unrealised gains and losses on transactions between Group companies are eliminated. The acquisition method of accounting is used to account for business combinations by the Group. The consideration for the acquisition of a subsidiary is the fair value of the assets transferred, the liabilities incurred and the equity interests issued by the Group. The consideration includes the fair value of any asset or liability resulting from a contingent consideration arrangement. Acquisition related costs are expensed as incurred except those relating to the issuance of debt instruments (see 2e(5)) or share capital (see 2o). Identifiable assets acquired and liabilities assumed in a business combination are measured initially at their fair value at the acquisition date. (2) JOINT VENTURES AND ASSOCIATES Joint ventures are joint arrangements over which the Group has joint control with other parties and has rights to the net assets of the arrangements. Joint control is the contractually agreed sharing of control of an arrangement and only exists when decisions about the relevant activities require the unanimous consent of the parties sharing control. Associates are entities over which the Group has significant influence, but not control or joint control, over the financial and operating policies. Significant influence is the power to participate in the financial and operating policy decisions of the entity but is not control or joint control of those policies and is generally achieved through holding between 20 per cent and 50 per cent of the voting share capital of the entity. The Group utilises the venture capital exemption for investments where significant influence or joint control is present and the business unit operates as a venture capital business. These investments are designated at initial recognition at fair value through profit or loss. Otherwise, the Group’s investments in joint ventures and associates are accounted for by the equity method of accounting. B Goodwill Goodwill arises on business combinations and represents the excess of the cost of an acquisition over the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities acquired. Where the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities of the acquired entity is greater than the cost of acquisition, the excess is recognised immediately in the income statement. Goodwill is recognised as an asset at cost and is tested at least annually for impairment. If an impairment is identified the carrying value of the goodwill is written down immediately through the income statement and is not subsequently reversed. At the date of disposal of a subsidiary, the carrying value of attributable goodwill is included in the calculation of the profit or loss on disposal. C Other intangible assets Intangible assets which have been determined to have a finite useful life are amortised on a straight line basis over their estimated useful life as follows: up to 7 years for capitalised software; 10 to 15 years for brands and other intangibles. Intangible assets with finite useful lives are reviewed at each reporting date to assess whether there is any indication that they are impaired. If any such indication exists the recoverable amount of the asset is determined and in the event that the asset’s carrying amount is greater than its recoverable amount, it is written down immediately. Certain brands have been determined to have an indefinite useful life and are not amortised. Such intangible assets are reassessed annually to reconfirm that an indefinite useful life remains appropriate. In the event that an indefinite life is inappropriate a finite life is determined and an impairment review is performed on the asset. D Revenue recognition (1) NET INTEREST INCOME Interest income and expense are recognised in the income statement for all interest-bearing financial instruments using the effective interest method, except for those classified at fair value through profit or loss. The effective interest method is a method of calculating the amortised cost of a financial asset or liability and of allocating the interest income or interest expense over the expected life of the financial instrument. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts over the expected life of the financial instrument to the gross carrying amount of the financial asset (before adjusting for expected credit losses) or to the amortised cost of the financial liability, including early redemption fees, and related penalties, and premiums and discounts that are an integral part of the overall return. Direct incremental transaction costs related to the acquisition, issue or disposal of a financial instrument are also taken into account. Interest income from non-credit impaired financial assets is recognised by applying the effective interest rate to the gross carrying amount of the asset; for credit impaired financial assets, the effective interest rate is applied to the net carrying amount after deducting the allowance for expected credit losses. Impairment policies are set out in (h) below. (2) FEE AND COMMISSION INCOME AND EXPENSE Fees and commissions receivable which are not an integral part of the effective interest rate are recognised as income as the Group fulfils its performance obligations. The Group’s principal performance obligations arising from contracts with customers are in respect of value added current accounts, credit cards and debit cards. These fees are received, and the Group’s provides the service, monthly; the fees are recognised in income on this basis. The Group also receives certain fees in respect of its asset finance business where the performance obligations are typically fulfilled towards the end of the customer contract; these fees are recognised in income on this basis. Where it is unlikely that the loan commitments will be drawn, loan commitment fees are recognised in fee and commission income over the life of the facility, rather than as an adjustment to the effective interest rate for loans expected to be drawn. Incremental costs incurred to generate fee and commission income are charged to fees and commissions expense as they are incurred. (3) OTHER Dividend income is recognised when the right to receive payment is established. Revenue recognition policies specific to trading income are set out in (e)(3) below; those relating to leases are set out in (j)(1) below. E Financial assets and liabilities On initial recognition, financial assets are classified as measured at amortised cost, fair value through other comprehensive income or fair value through profit or loss, depending on the Group’s business model for managing the financial assets and whether the cash flows represent solely payments of principal and interest. The Group assesses its business models at a portfolio level based on its objectives for the relevant portfolio, how the performance of the portfolio is managed and reported, and the frequency of asset sales. Financial assets with embedded derivatives are considered in their entirety when considering their cash flow characteristics. The Group reclassifies financial assets when and only when its business model for managing those assets changes. A reclassification will only take place when the change is significant to the Group’s operations and will occur at a portfolio level and not for individual instruments; reclassifications are expected to be rare. Equity investments are measured at fair value through profit or loss unless the Group elects at initial recognition to account for the instruments at fair value through other comprehensive income. For these instruments, principally strategic investments, dividends are recognised in profit or loss but fair value gains and losses are not subsequently reclassified to profit or loss following derecognition of the investment. The Group initially recognises loans and advances, deposits, debt securities in issue and subordinated liabilities when the Group becomes a party to the contractual provisions of the instrument. Regular way purchases and sales of securities and other financial assets and trading liabilities are recognised on trade date, being the date that the Group is committed to purchase or sell an asset. Financial assets are derecognised when the contractual right to receive cash flows from those assets has expired or when the Group has transferred its contractual right to receive the cash flows from the assets and either: substantially all of the risks and rewards of ownership have been transferred; or the Group has neither retained nor transferred substantially all of the risks and rewards, but has transferred control. Financial liabilities are derecognised when the obligation is discharged, cancelled or expires. (1) FINANCIAL INSTRUMENTS MEASURED AT AMORTISED COST Financial assets that are held to collect contractual cash flows where those cash flows represent solely payments of principal and interest are measured at amortised cost. A basic lending arrangement results in contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. Where the contractual cash flows introduce exposure to risks or volatility unrelated to a basic lending arrangement such as changes in equity prices or commodity prices, the payments do not comprise solely principal and interest. Financial assets measured at amortised cost are predominantly loans and advances to customers and banks together with certain debt securities used by the Group to manage its liquidity. Loans and advances are initially recognised when cash is advanced to the borrower at fair value inclusive of transaction costs. Interest income is accounted for using the effective interest method (see (d) above). Financial liabilities are measured at amortised cost, except for trading liabilities and other financial liabilities designated at fair value through profit or loss on initial recognition which are held at fair value. (2) FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME Financial assets that are held to collect contractual cash flows and for subsequent sale, where the assets’ cash flows represent solely payments of principal and interest, are recognised in the balance sheet at their fair value, inclusive of transaction costs. Interest calculated using the effective interest method and foreign exchange gains and losses on assets denominated in foreign currencies are recognised in the income statement. All other gains and losses arising from changes in fair value are recognised directly in other comprehensive income, until the financial asset is either sold or matures, at which time the cumulative gain or loss previously recognised in other comprehensive income is recognised in the income statement other than in respect of equity shares, for which the cumulative revaluation amount is transferred directly to retained profits. The Group recognises a charge for expected credit losses in the income statement (see (h) below). As the asset is measured at fair value, the charge does not adjust the carrying value of the asset, it is reflected in other comprehensive income. (3) FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS Financial assets are classified at fair value through profit or loss where they do not meet the criteria to be measured at amortised cost or fair value through other comprehensive income or where they are designated at fair value through profit or loss to reduce an accounting mismatch. All derivatives are carried at fair value through profit or loss. Trading securities, which are debt securities and equity shares acquired principally for the purpose of selling in the short term or which are part of a portfolio which is managed for short-term gains, do not meet these criteria and are also measured at fair value through profit or loss. Financial assets measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses together with interest coupons and dividend income are recognised in the income statement within net trading income. Financial liabilities are measured at fair value through profit or loss where they are trading liabilities or where they are designated at fair value through profit or loss in order to reduce an accounting mismatch; where the liabilities are part of a group of liabilities (or assets and liabilities) which is managed, and its performance evaluated, on a fair value basis; or where the liabilities contain one or more embedded derivatives that significantly modify the cash flows arising under the contract and would otherwise need to be separately accounted for. Financial liabilities measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses are recognised in the income statement within net trading income in the period in which they occur, except that gains and losses attributable to changes in own credit risk are recognised in other comprehensive income. The fair values of assets and liabilities traded in active markets are based on current bid and offer prices respectively. If the market is not active the Group establishes a fair value by using valuation techniques. The fair values of derivative financial instruments are adjusted where appropriate to reflect credit risk (via credit valuation adjustments (CVAs), debit valuation adjustments (DVAs) and funding valuation adjustments (FVAs)), market liquidity and other risks. (4) BORROWINGS Borrowings (which include deposits from banks, customer deposits, debt securities in issue and subordinated liabilities) are recognised initially at fair value, being their issue proceeds net of transaction costs incurred. These instruments are subsequently stated at amortised cost using the effective interest method. Preference shares and other instruments which carry a mandatory coupon or are redeemable on a specific date are classified as financial liabilities. The coupon on these instruments is recognised in the income statement as interest expense. Securities which carry a discretionary coupon and have no fixed maturity or redemption date are classified as other equity instruments. Interest payments on these securities are recognised, net of tax, as distributions from equity in the period in which they are paid. An exchange of financial liabilities on substantially different terms is accounted for as an extinguishment of the original financial liability and the recognition of a new financial liability. The difference between the carrying amount of a financial liability extinguished and the new financial liability is recognised in profit or loss together with any related costs or fees incurred. When a financial liability is exchanged for an equity instrument, the new equity instrument is recognised at fair value and any difference between the carrying value of the liability and the fair value of the new equity is recognised in profit or loss. (5) SALE AND REPURCHASE AGREEMENTS (INCLUDING SECURITIES LENDING AND BORROWING) Securities sold subject to repurchase agreements (repos) continue to be recognised on the balance sheet where substantially all of the risks and rewards are retained. Funds received under these arrangements are included in deposits from banks, customer deposits, or trading liabilities. Conversely, securities purchased under agreements to resell (reverse repos), where the Group does not acquire substantially all of the risks and rewards of ownership, are recorded as loans and advances measured at amortised cost or trading securities. The difference between sale and repurchase price is treated as interest and accrued over the life of the agreements using the effective interest method. Securities borrowing and lending transactions are typically secured; collateral takes the form of securities or cash advanced or received. Securities lent to counterparties are retained on the balance sheet. Securities borrowed are not recognised on the balance sheet, unless these are sold to third parties, in which case the obligation to return them is recorded at fair value as a trading liability. Cash collateral given or received is treated as a loan and advance measured at amortised cost or customer deposit. F Derivative financial instruments and hedge accounting As permitted by IFRS 9, the Group continues to apply the requirements of IAS 39 to its hedging relationships. All derivatives are recognised at their fair value. Derivatives are carried on the balance sheet as assets when their fair value is positive and as liabilities when their fair value is negative. Refer to note 43(3) (Financial instruments: Financial assets and liabilities carried at fair value) for details of valuation techniques and significant inputs to valuation models. Changes in the fair value of all derivative instruments, other than those in effective cash flow and net investment hedging relationships, are recognised immediately in the income statement. As noted in (2) and (3) below, the change in fair value of a derivative in an effective cash flow or net investment hedging relationship is allocated between the income statement and other comprehensive income. Derivatives embedded in a financial asset are not considered separately; the financial asset is considered in its entirety when determining whether its cash flows are solely payments of principal and interest. Derivatives embedded in financial liabilities are treated as separate derivatives when their economic characteristics and risks are not closely related to those of the host contract and the host contract is not carried at fair value through profit or loss. These embedded derivatives are measured at fair value with changes in fair value recognised in the income statement. Hedge accounting allows one financial instrument, generally a derivative such as a swap, to be designated as a hedge of another financial instrument such as a loan or deposit or a portfolio of such instruments. At the inception of the hedge relationship, formal documentation is drawn up specifying the hedging strategy, the hedged item, the hedging instrument and the methodology that will be used to measure the effectiveness of the hedge relationship in offsetting changes in the fair value or cash flow of the hedged risk. The effectiveness of the hedging relationship is tested both at inception and throughout its life and if at any point it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued. Note 15 provides details of the types of derivatives held by the Group and presents separately those designated in hedge relationships. In respect of interest rate benchmark reform, the Group assumes that the interest rate benchmark on which the hedged cash flows and/or the hedged risk are based, or the interest rate benchmark on which the cash flows of the hedging instrument are based, are not altered as a result of interest rate benchmark reform. The Group does not discontinue a hedging relationship during the period of uncertainty arising from the interest rate benchmark reform solely because the actual results of the hedge are not highly effective. (1) FAIR VALUE HEDGES Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recorded in the income statement, together with the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk; this also applies if the hedged asset is classified as a financial asset at fair value through other comprehensive income. If the hedge no longer meets the criteria for hedge accounting, changes in the fair value of the hedged item attributable to the hedged risk are no longer recognised in the income statement. The cumulative adjustment that has been made to the carrying amount of the hedged item is amortised to the income statement using the effective interest method over the period to maturity. (2) CASH FLOW HEDGES The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognised in other comprehensive income in the cash flow hedging reserve. The gain or loss relating to the ineffective portion is recognised immediately in the income statement. Amounts accumulated in equity are reclassified to the income statement in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised in the income statement when the forecast transaction is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the income statement. (3) NET INVESTMENT HEDGES Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income, the gain or loss relating to the ineffective portion is recognised immediately in the income statement. Gains and losses accumulated in equity are included in the income statement when the foreign operation is disposed of. The hedging instrument used in net investment hedges may include non-derivative liabilities as well as derivative financial instruments. G Offset Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right of set-off and there is an intention to settle on a net basis, or realise the asset and settle the liability simultaneously. Cash collateral on exchange traded derivative transactions is presented gross unless the collateral cash flows are always settled net with the derivative cash flows. In certain situations, even though master netting agreements exist, the lack of management intention to settle on a net basis results in the financial assets and liabilities being reported gross on the balance sheet. H Impairment of financial assets The impairment charge in the income statement includes the change in expected credit losses and certain fraud costs. Expected credit losses are recognised for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets measured at fair value through other comprehensive income, and certain loan commitments and financial guarantee contracts. Expected credit losses are calculated as an unbiased and probability-weighted estimate using an appropriate probability of default, adjusted to take into account a range of possible future economic scenarios, and applying this to the estimated exposure of the Group at the point of default after taking into account the value of any collateral held, repayments, or other mitigants of loss and including the impact of discounting using the effective interest rate. At initial recognition, allowance (or provision in the case of some loan commitments and financial guarantees) is made for expected credit losses resulting from default events that are possible within the next 12 months (12-month expected credit losses). In the event of a significant increase in credit risk since origination, allowance (or provision) is made for expected credit losses resulting from all possible default events over the expected life of the financial instrument (lifetime expected credit losses). Financial assets where 12-month expected credit losses are recognised are considered to be Stage 1; financial assets which are considered to have experienced a significant increase in credit risk since initial recognition are in Stage 2; and financial assets which have defaulted or are otherwise considered to be credit impaired are allocated to Stage 3. Some Stage 3 assets, mainly in Commercial Banking, are subject to individual rather than collective assessment. Such cases are subject to a risk-based impairment sanctioning process, and these are reviewed and updated at least quarterly, or more frequently if there is a significant change in the credit profile. An assessment of whether credit risk has increased significantly since initial recognition considers the change in the risk of default occurring over the remaining expected life of the financial instrument. The assessment is unbiased, probability-weighted and uses forward-looking information consistent with that used in the measurement of expected credit losses. In determining whether there has been a significant increase in credit risk, the Group uses quantitative tests based on relative and absolute probability of default (PD) movements linked to internal credit ratings together with qualitative indicators such as watchlists and other indicators of historical delinquency, credit weakness or financial difficulty. However, unless identified at an earlier stage, the credit risk of financial assets is deemed to have increased significantly when more than 30 days past due. Where the credit risk subsequently improves such that it no longer represents a significant increase in credit risk since initial recognition, the asset is transferred back to Stage 1. Assets are transferred to Stage 3 when they have defaulted or are otherwise considered to be credit impaired. Default is considered to have occurred when there is evidence that the customer is experiencing financial difficulty which is likely to affect significantly the ability to repay the amount due. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due. The Group uses this 90 day backstop for all its products except for UK mortgages. For UK mortgages, the Group uses a backstop of 180 days past due as mortgage exposures more than 90 days past due, but less than 180 days, typically show high cure rates and this aligns with the Group’s risk management practices. In certain circumstances, the Group will renegotiate the original terms of a customer’s loan, either as part of an ongoing customer relationship or in response to adverse changes in the circumstances of the borrower. In the latter circumstances, the loan will remain classified as either Stage 2 or Stage 3 until the credit risk has improved such that it no longer represents a significant increase since origination (for a return to Stage 1), or the loan is no longer credit impaired (for a return to Stage 2). Renegotiation may also lead to the loan and associated allowance being derecognised and a new loan being recognised initially at fair value. Purchased or originated credit-impaired financial assets (POCI) include financial assets that are purchased or originated at a deep discount that reflects incurred credit losses. At initial recognition, POCI assets do not carry an impairment allowance; instead, lifetime expected credit losses are incorporated into the calculation of the effective interest rate. All changes in lifetime expected credit losses subsequent to the assets’ initial recognition are recognised as an impairment charge. A loan or advance is normally written off, either partially or in full, against the related allowance when the proceeds from realising any available security have been received or there is no realistic prospect of recovery and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off decrease the amount of impairment losses recorded in the income statement. For both secured and unsecured retail balances, the write-off takes place only once an extensive set of collections processes has been completed, or the status of the account reaches a point where policy dictates that continuing attempts to recover are no longer appropriate. For commercial lending, a write-off occurs if the loan facility with the customer is restructured, the asset is under administration and the only monies that can be received are the amounts estimated by the administrator, the underlying assets are disposed and a decision is made that no further settlement monies will be received, or external evidence (for example, third party valuations) is available that there has been an irreversible decline in expected cash flows. I Property, plant and equipment Property, plant and equipment (other than investment property) is included at cost les

CRITICAL ACCOUNTING JUDGEMENTS

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES	12 Months Ended
	Dec. 31, 2019
Disclosure of accounting judgements and estimates [text block] [Abstract]
Disclosure of accounting judgements and estimates [text block]	3 CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES The preparation of the Group’s financial statements in accordance with IFRS requires management to make judgements, estimates and assumptions in applying the accounting policies that affect the reported amounts of assets, liabilities, income and expenses. Due to the inherent uncertainty in making estimates, actual results reported in future periods may be based upon amounts which differ from those estimates. Estimates, judgements and assumptions are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. The significant judgements made by management in applying the Group’s accounting policies and the key sources of estimation uncertainty in these financial statements, which together are deemed critical to the Group’s results and financial position, are as follows: Allowance for expected credit losses The Group recognises an allowance for expected credit losses for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets measured at fair value through other comprehensive income and certain loan commitment and financial guarantee contracts. At 31 December 2019 the Group’s expected credit loss allowance was £3,380 million (31 December 2018: £3,213 million), of which £3,207 million (31 December 2018: £3,023 million) was in respect of drawn balances; and the Bank’s expected credit loss allowance was £1,336 million (31 December 2018: £1,656 million), of which £1,246 million (31 December 2018: £1,580 million) was in respect of drawn balances. The calculation of the Group’s expected credit loss (ECL) allowances and provisions against loan commitments and guarantees under IFRS 9 requires the Group to make a number of judgements, assumptions and estimates. The most significant are set out below. DEFINITION OF DEFAULT The probability of default (PD) of an exposure, both over a 12 month period and over its lifetime, is a key input to the measurement of the ECL allowance. Default has occurred when there is evidence that the customer is experiencing significant financial difficulty which is likely to affect the ability to repay amounts due. The definition of default adopted by the Group is described in note 2(h) Impairment of financial assets. The Group has rebutted the presumption in IFRS 9 that default occurs no later than when a payment is 90 days past due for UK mortgages. As a result, at 31 December 2019, approximately £0.6 billion of UK mortgages (31 December 2018: £0.6 billion) were classified as Stage 2 rather than Stage 3; the impact the Group’s ECL allowance was not material. LIFETIME OF AN EXPOSURE The PD of a financial asset is dependent on its expected life. A range of approaches, segmented by product type, has been adopted by the Group to estimate a product’s expected life. These include using the full contractual life and taking into account behavioural factors such as early repayments and refinancing. For non-revolving retail assets, the Group has assumed the expected life for each product to be the time taken for all significant losses to be observed. For retail revolving products, the Group has considered the losses beyond the contractual term over which the Group is exposed to credit risk. For commercial overdraft facilities, the average behavioural life has been used. Changes to the assumed expected lives of the Group’s assets could impact the ECL allowance recognised by the Group. SIGNIFICANT INCREASE IN CREDIT RISK Performing assets are classified as either Stage 1 or Stage 2. An ECL allowance equivalent to 12 months expected losses is established against assets in Stage 1; assets classified as Stage 2 carry an ECL allowance equivalent to lifetime expected losses. Assets are transferred from Stage 1 to Stage 2 when there has been a significant increase in credit risk (SICR) since initial recognition. The Group uses a quantitative test together with qualitative indicators to determine whether there has been a SICR for an asset. For retail, a deterioration in the Retail Master Scale of four grades for credit cards, personal loans or overdrafts, three grades for personal mortgages, or two grades for UK motor finance accounts is treated as a SICR. For Commercial a doubling of PD with a minimum increase in PD of 1 per cent and a resulting change in the underlying grade is treated as a SICR. All financial assets are assumed to have suffered a SICR if they are more than 30 days past due. The setting of precise trigger points combined with risk indicators requires judgement. The use of different trigger points may have a material impact upon the size of the ECL allowance. The Group monitors the effectiveness of SICR criteria on an ongoing basis. POST-MODEL ADJUSTMENTS Limitations in the Group’s impairment models or input data may be identified through the on-going assessment and validation of the output of the models. In these circumstances, management make appropriate adjustments to the Group’s allowance for impairment losses to ensure the overall provision adequately reflects all material risks. These adjustments are generally determined taking into account the particular attributes of the exposure which have not been adequately captured by the primary impairment models. At 31 December 2019, significant post-model adjustments included within the allowance for expected credit losses amounted to £161 million (2018: £195 million), less than 5 percent of overall provisions. This comprises increases for the additional end of term risk on interest only mortgages of £132 million (2018: £114 million); mortgage accounts in long term default of £33 million (2018: £47 million); the extension of modelled lifetime on Retail revolving products of £36 million (2018: £34 million); and a decrease from the temporary effects of bureau data changes which artificially inflate PDs, and the resulting ECL, of £40 million; (2018: Nil) . FORWARD LOOKING INFORMATION The measurement of expected credit losses is required to reflect an unbiased probability-weighted range of possible future outcomes. In order to do this, the Group has developed an economic model to project a wide range of key impairment drivers using information derived mainly from external sources. These drivers include factors such as the unemployment rate, the house price index, commercial property prices and corporate credit spreads. The model generated economic scenarios for the six years beyond 2019 are mapped to industry-wide historical loss data by portfolio. Combined losses across portfolios are used to rank the scenarios by severity of loss. Alongside a defined central scenario three further scenarios are generated by averaging a group of individual scenarios around specified points along the loss distribution to reflect the range of outcomes. The central scenario reflects the Group’s base case assumptions used for medium-term planning purposes, an upside and a downside scenario are also produced together with a severe downside scenario. Rare occurrences of adverse economic events can lead to relatively large credit losses which means that typically the most likely outcome is less than the probability-weighted outcome of the range of possible future events. To allow for this a relatively unlikely severe downside scenario is therefore included. At 31 December 2018 and 2019, the base case, upside and downside scenarios each carry a 30 per cent weighting; the severe downside scenario is weighted at 10 per cent. The choice of alternative scenarios and scenario weights is a combination of quantitative analysis and judgemental assessment to ensure that the full range of possible outcomes and material non-linearity of losses are captured. A committee under the chairmanship of the Chief Economist meets quarterly, to review and, if appropriate, recommend changes to the economic scenarios to the Chief Financial Officer and Chief Risk Officer. Findings dealing with all aspects of the expected credit loss calculation are presented to the Group Audit Committee. For each major product grouping models have been developed which utilise historical credit loss data to produce PDs for each scenario; an overall weighted average PD is used to assist in determining the staging of financial assets and related ECL. The key UK economic assumptions made by the Group averaged over a five-year period are shown below: At 31 December 2019 At 31 December 2018 Severe Severe Base case Upside Downside downside Base case Upside Downside downside Economic assumptions % % % % % % % % Interest rate 1.25 2.04 0.49 0.11 1.25 2.34 1.30 0.71 Unemployment rate 4.3 3.9 5.8 7.2 4.5 3.9 5.3 6.9 House price growth 1.3 5.0 (2.6 ) (7.1 ) 2.5 6.1 (4.8 ) (7.5 ) Commercial real estate price growth (0.2 ) 1.8 (3.8 ) (7.1 ) 0.4 5.3 (4.7 ) (6.4 ) The Group’s base-case economic scenario has changed little over the year and reflects a broadly stable outlook for the economy. Although there remains considerable uncertainty about the economic consequences of the UK’s exit from the European Union, the Group considers that at this stage the range of possible economic outcomes is adequately reflected in its choice and weighting of scenarios. The averages shown above do not fully reflect the peak to trough changes in the stated assumptions over the period. The tables below illustrate the variability of the assumptions from the start of the scenario period to the peak and trough. At 31 December 2019 At 31 December 2018 Severe Severe Base case Upside Downside downside Base case Upside Downside downside Economic assumptions – start to peak % % % % % % % % Interest rate 1.75 2.56 0.75 0.75 1.75 4.00 1.75 1.25 Unemployment rate 4.6 4.6 6.9 8.3 4.8 4.3 6.3 8.6 House price growth 6.0 26.3 (1.9 ) (2.3 ) 13.7 34.9 0.6 (1.6 ) Commercial real estate price growth 0.1 10.4 (0.6 ) (1.1 ) 0.1 26.9 (0.5 ) (0.5 ) At 31 December 2019 At 31 December 2018 Severe Severe Base case Upside Downside downside Base case Upside Downside downside Economic assumptions – start to trough % % % % % % % % Interest rate 0.75 0.75 0.35 0.01 0.75 0.75 0.75 0.25 Unemployment rate 3.8 3.4 3.9 3.9 4.1 3.5 4.3 4.2 House price growth (1.9 ) (0.8 ) (14.8 ) (33.1 ) 0.4 2.3 (26.5 ) (33.5 ) Commercial real estate price growth (0.9 ) 0.3 (17.5 ) (30.9 ) (0.1 ) 0.0 (23.8 ) (33.8 ) The table below shows the extent to which a higher ECL allowance has been recognised to take account of forward looking information from the weighted multiple economic scenarios. The most significant difference between these bases arises on UK mortgages as the probability weighted ECL includes the impact of house price movements on the loss given default. For other portfolios adjustment is made only for the probability of default. All non-modelled provisions, including post model adjustments, are based on the probability weighted modelled ECL across all scenarios. At 31 December 2019 At 31 December 2018 Probability Probability Base case weighted Difference Base case weighted Difference Impact of multiple economic scenarios £m £m £m £m £m £m 3,189 3,380 191 2,951 3,213 262 The table below shows the Group’s ECL for the upside and downside scenarios using a 100 per cent weighting, with stage allocation based on each specific scenario. At 31 December 2019 At 31 December 2018 Upside Downside Upside Downside £m £m £m £m ECL allowance 2,926 3,602 2,626 3,424 The impact of changes in the UK unemployment rate and House Price Index (HPI) have also been assessed. Although such changes would not be observed in isolation, as economic indicators tend to be correlated in a coherent scenario, this gives insight into the sensitivity of the Group’s ECL to changes in these two critical economic factors. The assessment has been made against the base case with the reported staging unchanged. The changes to HPI and the unemployment rate have been phased in to the forward-looking economic outlook over three years. The table below shows the impact on the Group’s ECL resulting from a decrease/increase in Loss Given Default for a 10 percentage point (pp) increase/decrease in the UK House Price Index (HPI). At 31 December 2019 At 31 December 2018 10pp increase 10pp decrease 10pp increase 10pp decrease in HPI in HPI in HPI in HPI ECL impact, £m (110 ) 147 (114 ) 154 The table below shows the impact on the Group’s ECL resulting from a decrease/increase for a 1 percentage point (pp) increase/decrease in the UK unemployment rate. At 31 December 2019 At 31 December 2018 1pp increase in 1pp decrease in 1pp increase in 1pp decrease in unemployment unemployment unemployment unemployment ECL impact, £m 141 (143 ) 172 (155 ) Defined benefit pension scheme obligations The net asset recognised in the balance sheet at 31 December 2019 in respect of the Group’s defined benefit pension scheme obligations was £550 million (comprising an asset of £681 million and a liability of £131 million) (2018: a net asset of £1,146 million comprising an asset of £1,267 million and a liability of £121 million); and for the Bank was £347 million (comprising an asset of £386 million and a liability of £39 million) (2018: a net asset of £667 million comprising an asset of £704 million and liability of £37 million). The Group’s accounting policy for its defined benefit pension scheme obligations is set out in note 2(k). The accounting valuation of the Group’s defined benefit pension schemes’ liabilities requires management to make a number of assumptions. The key areas of estimation uncertainty are the discount rate applied to future cash flows and the expected lifetime of the schemes’ members. The discount rate is required to be set with reference to market yields at the end of the reporting period on high quality corporate bonds in the currency and with a term consistent with the defined benefit pension schemes’ obligations. The average duration of the schemes’ obligations is approximately 18 years. The market for bonds with a similar duration is illiquid and, as a result, significant management judgement is required to determine an appropriate yield curve on which to base the discount rate. The cost of the benefits payable by the schemes will also depend upon the life expectancy of the members. The Group considers latest market practice and actual experience in determining the appropriate assumptions for both current mortality expectations and the rate of future mortality improvement. It is uncertain whether this rate of improvement will be sustained going forward and, as a result, actual experience may differ from current expectations. The effect on the net accounting surplus or deficit and on the pension charge in the Group’s income statement of changes to the principal actuarial assumptions is set out in part (v) of note 29. Recoverability of deferred tax assets At 31 December 2019 the Group carried deferred tax assets on its balance sheet of £3,366 million (2018: £3,222 million) and the Bank carried deferred tax assets of £2,029 million (2018: £1,984 million) principally relating to tax losses carried forward. Further information on the Group’s deferred tax assets and uncertain tax positions is provided in notes 30 and 41 respectively. Estimation of income taxes includes the assessment of recoverability of deferred tax assets. Deferred tax assets are only recognised to the extent they are considered more likely than not to be recoverable based on existing tax laws and forecasts of future taxable profits against which the underlying tax deductions can be utilised. The Group has recognised a deferred tax asset of £3,600 million (2018: £3,783 million), and the Bank £2,198 million (2018: £2,284 million), in respect of UK trading losses carried forward. Substantially all of these losses have arisen in Bank of Scotland plc and Lloyds Bank plc, and they will be utilised as taxable profits arise in those legal entities in future periods. The Group’s expectations as to the level of future taxable profits take into account the Group’s long-term financial and strategic plans, and anticipated future tax-adjusting items. In making this assessment, account is taken of business plans, the Board-approved operating plan and the expected future economic outlook as set out in the strategic report, as well as the risks associated with future regulatory change. Under current law there is no expiry date for UK trading losses not yet utilised, although (since Finance Act 2016) banking losses that arose before 1 April 2015 can only be used against 25 per cent of taxable profits arising after 1 April 2016, and they cannot be used to reduce the surcharge on banking profits. This restriction in utilisation means that the value of the deferred tax asset is only expected to be fully recovered by 2039. It is possible that future tax law changes could materially affect the value of these losses ultimately realised by the Group. As disclosed in note 30, deferred tax assets totalling £237 million (2018: £255 million) for the Group and £96 million (2018: £112 million) for the Bank have not been recognised in respect of certain capital and trading losses carried forward, unrelieved foreign tax credits and other tax deductions, as there are currently no expected future taxable profits against which these assets can be utilised. Regulatory provisions At 31 December 2019, the Group carried provisions of £2,269 million (2018: £2,908 million) and the Bank £783 million (2018: £1,172 million) against the cost of making redress payments to customers and the related administration costs in connection with historical regulatory breaches. Determining the amount of the provisions, which represent management’s best estimate of the cost of settling these issues, requires the exercise of significant judgement and estimate. It will often be necessary to form a view on matters which are inherently uncertain, such as the scope of reviews required by regulators, and to estimate the number of future complaints, the extent to which they will be upheld, the average cost of redress and the impact of legal decisions that may be relevant to claims received. Consequently the continued appropriateness of the underlying assumptions is reviewed on a regular basis against actual experience and other relevant evidence and adjustments made to the provisions where appropriate. More detail on the nature of the assumptions that have been made and key sensitivities is set out in note 31. Fair value of financial instruments At 31 December 2019, the carrying value of the Group’s financial instrument assets held at fair value was £35,395 million (2018: £58,917 million), and its financial instrument liabilities held at fair value was £17,533 million (2018: £28,641 million). The carrying value of the Bank’s financial instrument assets held at fair value was £36,501 million (2018: £59,482 million) and financial liabilities was £21,908 million (2018: £32,265 million). In accordance with IFRS 13 Fair Value Measurement, the Group categorises financial instruments carried on the balance sheet at fair value using a three level hierarchy. Financial instruments categorised as level 1 are valued using quoted market prices and therefore minimal estimates are made in determining fair value. The fair value of financial instruments categorised as level 2 and, in particular, level 3 is determined using valuation techniques including discounted cash flow analysis and valuation models. The valuation techniques for level 2 and level 3 financial instruments involve management judgement and estimates the extent of which depends on the complexity of the instrument and the availability of market observable information. In addition, in line with market practice, the Group applies credit, debit and funding valuation adjustments in determining the fair value of its uncollateralised derivative positions. A description of these adjustments is set out in note 43. Further details of the Group’s level 3 financial instruments and the sensitivity of their valuation including the effect of applying reasonably possible alternative assumptions in determining their fair value are also set out in note 43.

SEGMENTAL ANALYSIS

SEGMENTAL ANALYSIS	12 Months Ended
	Dec. 31, 2019
Disclosure of operating segments [text block] [Abstract]
Disclosure of operating segments [text block]	4 SEGMENTAL ANALYSIS The Group provides a wide range of banking and financial services in the UK and in certain locations overseas. The Group Executive Committee (GEC) of the Lloyds Banking Group has been determined to be the chief operating decision maker for the Group. Following the transfer of HBOS to the Group on 1 January 2010, all of the trading activities of the Lloyds Banking Group are carried out within the Group and, as a result, the chief operating decision maker reviewed the Group’s performance by considering that of the Lloyds Banking Group. However, following the sale of the Group’s insurance business and certain other businesses as a result of the ring-fencing legislation this is no longer the case. Accordingly, the chief operating decision maker now reviews the results of the Group’s businesses separately. The Group’s activities are organised into two financial reporting segments: Retail and Commercial Banking. During 2019, the Group transferred Cardnet, its card payment acceptance service, from Retail into Commercial Banking and also transferred certain equity business from Commercial Banking into Other; comparative figures have been restated accordingly. Retail offers a broad range of financial service products, including current accounts, savings, mortgages, motor finance and unsecured consumer lending to personal and small business customers. Commercial Banking provides a range of products and services such as lending, transactional banking, working capital management, risk management and debt capital markets services to SMEs, corporates and financial institutions. Other includes certain assets previously reported as outside of the Group’s risk appetite and income and expenditure not attributed to divisions, including the costs of certain central and head office functions. Inter-segment services are generally recharged at cost, although some attract a margin. Inter-segment lending and deposits are generally entered into at market rates, except that non-interest bearing balances are priced at a rate that reflects the external yield that could be earned on such funds. For the majority of those derivative contracts entered into by business units for risk management purposes, the business unit recognises the net interest income or expense on an accrual accounting basis and transfers the remainder of the movement in the fair value of the derivative to the central function where the resulting accounting volatility is managed where possible through the establishment of hedge accounting relationships. Any change in fair value of the hedged instrument attributable to the hedged risk is also recorded within the central function. This allocation of the fair value of the derivative and change in fair value of the hedged instrument attributable to the hedged risk avoids accounting asymmetry in segmental results and leads to accounting volatility, which is managed centrally and reported within Other. Retail Commercial Other Group Year ended 31 December 2019 Net interest income 8,753 2,692 775 12,220 Other income 2,020 875 1,493 4,388 Total income 10,773 3,567 2,268 16,608 Costs (7,905 ) (1,825 ) (1,393 ) (11,123 ) Trading surplus 2,868 1,742 875 5,485 Impairment (charge) credit (1,038 ) (313 ) (11 ) (1,362 ) Profit before tax 1,830 1,429 864 4,123 External income 13,038 1,655 1,915 16,608 Inter-segment income (2,265 ) 1,912 353 – Segment income 10,773 3,567 2,268 16,608 Segment external assets 350,521 89,895 140,952 581,368 Segment external liabilities 259,946 126,313 156,210 542,469 Analysis of segment other income: Current accounts 518 133 5 656 Credit and debit card fees 634 327 – 961 Commercial banking fees – 166 – 166 Private banking and asset management – – 38 38 Factoring – 103 – 103 Other fees and commissions 63 224 152 439 Fees and commissions receivable 1,215 953 195 2,363 Fees and commissions payable (571 ) (299 ) (157 ) (1,027 ) Net fee and commission income 644 654 38 1,336 Operating lease income 1,225 22 – 1,247 Gains and losses on disposal of financial assets at fair value through other comprehensive income – (5 ) 201 196 Other income 151 204 1,254 1,609 Segment other income 2,020 875 1,493 4,388 Other segment items reflected in income statement above: Depreciation and amortisation 1,712 315 575 2,602 Defined benefit scheme charges 108 43 94 245 Other segment items: Additions to fixed assets 2,208 247 1,097 3,552 Investments in joint ventures and associates at end of year 3 – – 3 Retail Commercial Other Continuing Year ended 31 December 2018 1 Net interest income 9,008 2,921 825 12,754 Other income 1,917 1,452 851 4,220 Total income 10,925 4,373 1,676 16,974 Costs (7,702 ) (2,167 ) (1,899 ) (11,768 ) Trading surplus 3,223 2,206 (223 ) 5,206 Impairment (charge) credit (861 ) (80 ) 15 (926 ) Profit before tax 2,362 2,126 (208 ) 4,280 External income 12,893 4,157 (76 ) 16,974 Inter-segment income (1,968 ) 216 1,752 – Segment income 10,925 4,373 1,676 16,974 Segment external assets 349,380 115,819 128,325 593,524 Segment external liabilities 260,419 138,210 155,145 553,774 Analysis of segment other income: Current accounts 503 139 5 647 Credit and debit card fees 646 328 – 974 Commercial banking fees – 271 – 271 Private banking and asset management – 2 92 94 Factoring – 83 – 83 Other fees and commissions 52 253 123 428 Fees and commissions receivable 1,201 1,076 220 2,497 Fees and commissions payable (757 ) (310 ) (161 ) (1,228 ) Net fee and commission income 444 766 59 1,269 Operating lease income 1,305 36 – 1,341 Gains and losses on disposal of financial assets at fair value through other comprehensive income – – 268 268 Other income 168 650 524 1,342 Segment other income 1,917 1,452 851 4,220 Other segment items reflected in income statement above: Depreciation and amortisation 1,573 278 498 2,349 Defined benefit scheme charges 121 48 231 400 Other segment items: Additions to fixed assets 2,092 208 1,078 3,378 Investments in joint ventures and associates at end of year 4 – 1 5 1 Restated, see page F-24. Retail Commercial Other Continuing Year ended 31 December 2017 1 Net interest income 8,680 3,062 622 12,364 Other income 2,165 2,031 792 4,988 Total income 10,845 5,093 1,414 17,352 Costs (8,128 ) (2,530 ) (972 ) (11,630 ) Trading surplus 2,717 2,563 442 5,722 Impairment (charge) credit (625 ) (95 ) 33 (687 ) Profit (loss) before tax 2,092 2,468 475 5,035 External income 12,783 3,425 1,144 17,352 Inter-segment income (1,938 ) 1,668 270 – Segment income 10,845 5,093 1,414 17,352 Segment external assets 350,154 177,832 140,817 668,803 Segment external liabilities 258,469 224,939 141,910 625,318 Analysis of segment other income: Current accounts 572 135 5 712 Credit and debit card fees 637 312 – 949 Commercial banking fees – 321 – 321 Private banking and asset management – 5 93 98 Factoring – 91 – 91 Other fees and commissions 95 273 247 615 Fees and commissions receivable 1,304 1,137 345 2,786 Fees and commissions payable (636 ) (287 ) (101 ) (1,024 ) Net fee and commission income 668 850 244 1,762 Operating lease income 1,281 63 – 1,344 Rental income from investment properties – 1 – 1 Gains and losses on disposal of available-for-sale financial assets – 5 459 464 Other income 216 1,112 89 1,417 Segment other income 2,165 2,031 792 4,988 Other segment items reflected in income statement above: Depreciation and amortisation 1,547 322 423 2,292 Defined benefit scheme charges 149 52 140 341 Other segment items: Additions to fixed assets 2,431 130 862 3,423 Investments in joint ventures and associates at end of year 9 – – 9 1 Restated, see page F-24. Following the reduction in the Group’s non-UK activities, an analysis between UK and non-UK activities is no longer provided. The Group’s discontinued operations were previously in its Insurance segment (see note 13).

NET INTEREST INCOME

NET INTEREST INCOME	12 Months Ended
	Dec. 31, 2019
Disclosure of interest income (expense) [text block] [Abstract]
Disclosure of interest income (expense) [text block]	5 NET INTEREST INCOME Weighted average effective interest rate 2019 % 2018 2017 2019 £m 2018 2017 Interest and similar income: Loans and advances to customers 3.21 3.23 3.18 15,281 15,049 14,554 Loans and advances to banks 0.57 0.76 0.41 269 462 253 Debt securities held at amortised cost 2.26 1.61 1.98 118 66 66 Interest receivable on financial assets held at amortised cost 2.97 2.93 2.84 15,668 15,577 14,873 Financial assets at fair value through other comprehensive income 1.64 1.98 430 639 Available-for-sale financial assets 1.96 980 Total interest and similar income 1 2.90 2.88 2.77 16,098 16,216 15,853 Interest and similar expense: Deposits from banks, excluding liabilities under sale and repurchase agreements 1.39 1.36 1.18 (87 ) (81 ) (80 ) Customer deposits, excluding liabilities under sale and repurchase agreements 0.65 0.60 0.56 (2,054 ) (1,997 ) (1,936 ) Debt securities in issue 2 0.71 0.10 0.18 (476 ) (66 ) (120 ) Subordinated liabilities 9.89 10.18 10.03 (921 ) (1,072 ) (1,242 ) Lease liabilities 2.41 2.44 2.38 (39 ) (1 ) (1 ) Liabilities under sale and repurchase agreements 1.08 0.87 0.54 (301 ) (245 ) (110 ) Total interest and similar expense 3 0.91 0.78 0.77 (3,878 ) (3,462 ) (3,489 ) Net interest income 12,220 12,754 12,364 1 Includes £26 million (2018: £31 million; 2017: £12 million) of interest income on liabilities with negative interest rates and £39 million (2018: £45 million; 2017: £49 million) in respect of interest income on finance leases. 2 The impact of the Group’s hedging arrangements is included on this line; excluding this impact the weighted average effective interest rate in respect of debt securities in issue would be 2.25 per cent (2018: 2.74 per cent; 2017: 2.43 per cent). 3 Includes £119 million (2018: £10 million; 2017: £50 million) of interest expense on assets with negative interest rates. Included within interest and similar income is £196 million (2018: £222 million; 2017: £179 million) in respect of credit-impaired financial assets. Net interest income also includes a credit of £580 million (2018: credit of £691 million; 2017: credit of £644 million) transferred from the cash flow hedging reserve (see note 35).

NET FEE AND COMMISSION INCOME

NET FEE AND COMMISSION INCOME	12 Months Ended
	Dec. 31, 2019
Disclosure of fee and commission income (expense) [text block] [Abstract]
Disclosure of fee and commission income (expense) [text block]	6 NET FEE AND COMMISSION INCOME 2019 £m 2018 2017 Fee and commission income: Current accounts 656 647 712 Credit and debit card fees 961 974 949 Commercial banking fees 166 271 321 Private banking and asset management 38 94 98 Factoring 103 83 91 Other fees and commissions 439 428 615 Total fee and commission income 2,363 2,497 2,786 Fee and commission expense (1,027 ) (1,228 ) (1,024 ) Net fee and commission income 1,336 1,269 1,762 Fees and commissions which are an integral part of the effective interest rate form part of net interest income shown in note 5. Fees and commissions relating to instruments that are held at fair value through profit or loss are included within net trading income shown in note 7. At 31 December 2019, the Group held on its balance sheet £105 million (31 December 2018: £98 million) in respect of services provided to customers and £120 million (31 December 2018: £140 million) in respect of amounts received from customers for services to be provided after the balance sheet date. Current unsatisfied performance obligations amount to £250 million (31 December 2018: £285 million); the Group expects to receive substantially all of this revenue by 2022. Income recognised during the year ended 31 December 2019 included £54 million in respect of amounts included in the contract liability balance at 31 December 2018 and £9 million in respect of amounts from performance obligations satisfied in previous years. The most significant performance obligations undertaken by the Group are in respect of current accounts, the provision of other banking services for commercial customers and credit and debit card services. In respect of current accounts, the Group receives fees for the provision of bank account and transaction services such as ATM services, fund transfers, overdraft facilities and other value-added offerings. For commercial customers, alongside its provision of current accounts, the Group provides other corporate banking services including factoring and commitments to provide loan financing. Loan commitment fees are included in fees and commissions where the loan is not expected to be drawn down by the customer. The Group receives interchange and merchant fees, together with fees for overseas use and cash advances, for provision of card services to cardholders and merchants.

NET TRADING INCOME

NET TRADING INCOME	12 Months Ended
	Dec. 31, 2019
Net Trading Inome [member]
NET TRADING INCOME [Line Items]
Disclosure of trading income (expense) [text block]	7 NET TRADING INCOME 2019 £m 2018 2017 Foreign exchange translation (losses) gains (203 ) 132 (151 ) Gains on foreign exchange trading transactions 336 235 517 Total foreign exchange 133 367 366 Investment property losses (8 ) – – Securities and other gains (see below) 235 41 407 Net trading income 360 408 773 Securities and other gains comprise net gains and losses arising on assets and liabilities held at fair value through profit or loss as follows: 2019 £m 2018 2017 Net income arising on assets and liabilities mandatorily held at fair value through profit or loss: Financial instruments held for trading 427 127 180 Other financial instruments mandatorily held at fair value through profit or loss: Debt securities, loans and advances 25 11 132 Equity shares (3 ) 86 239 449 224 551 Net expense arising on assets and liabilities designated at fair value through profit or loss (214 ) (183 ) (144 ) Securities and other gains 235 41 407

OTHER OPERATING INCOME

OTHER OPERATING INCOME	12 Months Ended
	Dec. 31, 2019
Disclosure of other operating income (expense) [text block] [Abstract]
Disclosure of other operating income (expense) [text block]	8 OTHER OPERATING INCOME 2019 £m 2018 2017 Operating lease rental income 1,247 1,341 1,344 Rental income from investment properties (note 22) – – 1 Gains less losses on disposal of financial assets at fair value through other comprehensive income (2017: available-for-sale financial assets) (note 19) 196 268 464 Share of results of joint ventures and associates – 5 2 Other income 1,249 929 642 Total other operating income 2,692 2,543 2,453

OPERATING EXPENSES

OPERATING EXPENSES	12 Months Ended
	Dec. 31, 2019
Disclosure of expenses [text block] [Abstract]
Disclosure of expenses [text block]	9 OPERATING EXPENSES 2019 2018 2017 £m £m £m Staff costs: Salaries 2,370 2,379 2,540 Performance-based compensation 340 485 464 Social security costs 308 330 343 Pensions and other post-retirement benefit schemes (note 29) 518 688 583 Restructuring costs 89 247 22 Other staff costs 360 444 466 3,985 4,573 4,418 Premises and equipment: Rent and rates 114 364 364 Repairs and maintenance 182 189 231 Other 150 126 95 446 679 690 Other expenses: Communications and data processing 1,022 1,116 880 Advertising and promotion 173 192 207 Professional fees 144 230 312 Other 561 673 701 1,900 2,211 2,100 Depreciation and amortisation: Depreciation of property, plant and equipment (note 22) 2,040 1,849 1,939 Amortisation of other intangible assets (note 21) 562 500 353 2,602 2,349 2,292 Impairment of goodwill – – 8 Total operating expenses, excluding regulatory provisions 8,933 9,812 9,508 Regulatory provisions Payment protection insurance provision (note 31) 1,795 1,395 1,300 Other regulatory provisions (note 31) 395 561 822 2,190 1,956 2,122 Total operating expenses 11,123 11,768 11,630 The average number of persons on a headcount basis employed by the Group during the year was as follows: 2019 2018 2017 UK 69,321 71,017 72,644 Overseas 762 769 794 Total 70,083 71,786 73,438

AUDITORS' REMUNERATION

AUDITORS' REMUNERATION	12 Months Ended
	Dec. 31, 2019
Disclosure of auditors' remuneration [text block] [Abstract]
Disclosure of auditors' remuneration [text block]	10 AUDITORS’ REMUNERATION Fees payable to the Bank’s auditors During the year the auditors earned the following fees: 2019 2018 2017 £m £m £m Fees payable for the audit of the Bank’s current year annual report 4.2 3.8 3.5 Fees payable for other services: Audit of the Bank’s subsidiaries pursuant to legislation 8.6 10.2 9.9 Other services supplied pursuant to legislation 1.3 1.5 2.3 Other services – audit-related fees 0.2 – – All other services 0.3 0.1 1.4 Total fees payable to the Bank’s auditors 14.6 15.6 17.1 The following types of services are included in the categories listed above: Audit fees: Audit related fees: Other non-audit fees: It is the Group’s policy to use the auditors on assignments in cases where their knowledge of the Group means that it is neither efficient nor cost effective to employ another firm of accountants. Lloyds Banking Group has procedures that are designed to ensure auditor independence for Lloyds Banking Group plc and all of its subsidiaries, including prohibiting certain non-audit services. All audit and non-audit assignments must be pre-approved by the Lloyds Banking Group audit committee (the Audit Committee) on an individual engagement basis; for certain types of non-audit engagements where the fee is ‘de minimis’ the Audit Committee has pre-approved all assignments subject to confirmation by management. On a quarterly basis, the Audit Committee receives and reviews a report detailing all pre-approved services and amounts paid to the auditors for such pre approved services. During the year the auditors also earned fees payable by entities outside the consolidated Lloyds Bank Group in respect of the following: 2019 2018 2017 £m £m £m Audits of the Group pension schemes 0.1 0.1 0.1 Audits of unconsolidated Open Ended Investment Companies managed by the Group – 0.1 0.3 Reviews of the financial position of corporate and other borrowers – 0.4 0.2 Acquisition due diligence and other work performed in respect of potential venture capital investments – – 0.1

IMPAIRMENT

IMPAIRMENT	12 Months Ended
	Dec. 31, 2019
Disclosure of impairment loss and reversal of impairment loss [text block] [Abstract]
Disclosure of impairment loss and reversal of impairment loss [text block]	11 IMPAIRMENT Purchased or originated credit- Stage 1 Stage 2 Stage 3 impaired Total £m £m £m £m £m Year ended 31 December 2019 Impact of transfers between stages (17 ) 89 532 – 604 Other changes in credit quality 6 2 939 (106 ) 841 Additions (repayments) 93 (41 ) (60 ) (87 ) (95 ) Methodology, model and assumption changes 33 (27 ) 8 – 14 Other items (5 ) – 3 – (2 ) 127 (66 ) 890 (193 ) 758 Total impairment 110 23 1,422 (193 ) 1,362 In respect of: Loans and advances to banks – – – – – Loans and advances to customers 141 10 1,382 (193 ) 1,340 Due from fellow Lloyds Banking Group undertakings (1 ) – 41 – 40 Financial assets at amortised cost 140 10 1,423 (193 ) 1,380 Other assets – – – – – Impairment charge on drawn balances 140 10 1,423 (193 ) 1,380 Loan commitments and financial guarantees (29 ) 13 (1 ) – (17 ) Financial assets at fair value through other comprehensive income (1 ) – – – (1 ) Total impairment 110 23 1,422 (193 ) 1,362 Purchased or originated credit- Stage 1 Stage 2 Stage 3 impaired Total £m £m £m £m £m Year ended 31 December 2018 Impact of transfers between stages (10 ) 18 445 – 453 Other changes in credit quality (23 ) (14 ) 545 69 577 Additions (repayments) 19 (84 ) 27 (69 ) (107 ) Methodology, model and assumption changes (71 ) (21 ) 72 – (20 ) Other items (13 ) – 36 – 23 (88 ) (119 ) 680 – 473 Total impairment (98 ) (101 ) 1,125 – 926 In respect of: Loans and advances to banks 1 – – – 1 Loans and advances to customers (65 ) (53 ) 1,129 – 1,011 Impairment charge on drawn balances (64 ) (53 ) 1,129 – 1,012 Loan commitments and financial guarantees (20 ) (48 ) (4 ) – (72 ) Financial assets at fair value through other comprehensive income (14 ) – – – (14 ) Total impairment (98 ) (101 ) 1,125 – 926 The Group’s impairment charge comprises the following items: TRANSFERS BETWEEN STAGES The net impact on the impairment charge of transfers between stages. OTHER CHANGES IN CREDIT QUALITY Changes in loss allowance as a result of movements in risk parameters that reflect changes in customer quality, but which have not resulted in a transfer to a different stage. This also contains the impact on the impairment charge as a result of write-offs and recoveries, where the related loss allowances are reassessed to reflect ultimate realisable or recoverable value. ADDITIONS (REPAYMENTS) Expected loss allowances are recognised on origination of new loans or further drawdowns of existing facilities. Repayments relate to the reduction of loss allowances as a result of repayments of outstanding balances. METHODOLOGY, MODEL AND ASSUMPTION CHANGES Increase or decrease in impairment charge as a result of adjustments to the models used for expected credit loss calculations; as either changes to the model inputs or to the underlying assumptions, as well as the impact of changing the models used. 2017 Impairment losses on loans and receivables: Loans and advances to customers 696 Debt securities classified as loans and receivables (6 ) Total impairment losses on loans and receivables 690 Impairment of available-for-sale financial assets 6 Other credit risk provisions (9 ) Total impairment charged to the income statement 687 Movements in the Group’s impairment allowances are shown in note 18.

TAX EXPENSE

TAX EXPENSE	12 Months Ended
	Dec. 31, 2019
Disclosure of income tax [text block] [Abstract]
Disclosure of income tax [text block]	12 TAX EXPENSE a Analysis of tax expense for the year 2019 2018 1 2017 1 UK corporation tax: Current tax on profit for the year (1,279 ) (1,108 ) (1,029 ) Adjustments in respect of prior years 98 (10 ) 119 (1,181 ) (1,118 ) (910 ) Foreign tax: Current tax on profit for the year (58 ) (24 ) (40 ) Adjustments in respect of prior years 4 – 11 (54 ) (24 ) (29 ) Current tax expense (1,235 ) (1,142 ) (939 ) Deferred tax (note 30): Current year (110 ) (234 ) (511 ) Adjustments in respect of prior years 58 (1 ) (78 ) (52 ) (235 ) (589 ) Tax expense (1,287 ) (1,377 ) (1,528 ) 1 Restated, see note 1. b Factors affecting the tax expense for the year The UK corporation tax rate for the year was 19.0 per cent (2018: 19.0 per cent; 2017: 19.25 per cent). An explanation of the relationship between tax expense and accounting profit is set out below: 2019 2018 1 2017 1 Profit before tax from continuing operations 4,123 4,280 5,035 UK corporation tax thereon (783 ) (813 ) (969 ) Impact of surcharge on banking profits (377 ) (388 ) (430 ) Remeasurement of deferred tax due to rate changes (25 ) 18 (21 ) Non-deductible costs: conduct charges (283 ) (189 ) (287 ) Other non-deductible costs (77 ) (74 ) (50 ) Non-taxable income 36 25 28 Tax relief on coupons on other equity instruments 53 52 52 Tax-exempt gains on disposals 25 11 109 Losses not recognised (7 ) (9 ) – Differences in overseas tax rates (9 ) 1 (11 ) Adjustments in respect of prior years 160 (11 ) 52 Tax effect of share of results of joint ventures – – (1 ) Tax expense on profit from continuing operations (1,287 ) (1,377 ) (1,528 ) 1 Restated, see note 1.

DISCONTINUED OPERATIONS

DISCONTINUED OPERATIONS	12 Months Ended
	Dec. 31, 2019
Disclosure of discontinued operations [text block] [Abstract]
Disclosure of discontinued operations [text block]	13 DISCONTINUED OPERATIONS The Group completed the sale of the Scottish Widows Group to its ultimate holding company, Lloyds Banking Group plc, in May 2018. Scottish Widows represented the entirety of the Group’s insurance business and consequently these operations were classified as discontinued and the profit after tax from these activities reported as a single line on the Group’s income statement. In order to fairly reflect the results and financial position of the Group’s continuing operations and its discontinued operations, transactions that the continuing operations had with the discontinued operations were reported on the relevant line in the Group’s income statement, with the matching transaction similarly reported in the discontinued operations income statement. All such transactions fully eliminated within the Group’s statutory consolidation and there was no net impact on profit before tax. The results of the discontinued operations in 2017 and 2018 were as follows: 2018 2017 Interest and similar income 14 228 Interest and similar expense (3 ) (1,541 ) Net interest income 11 (1,313 ) Fee and commission income 106 373 Fee and commission expense (180 ) (553 ) Net fee and commission income (74 ) (180 ) Net trading income (see (a) below) (790 ) 10,977 Insurance premium income (see (b) below) 2,714 7,930 Other operating income 205 102 Other income 2,055 18,829 Total income 2,066 17,516 Insurance claims (see (c) below) (1,363 ) (15,578 ) Total income, net of insurance claims 703 1,938 Operating expenses (333 ) (995 ) Trading surplus 370 943 Profit on disposal of the discontinued operations 1,010 – Profit before tax 1,380 943 Taxation (66 ) (147 ) Profit after tax from discontinued operations 1,314 796 (a) Net trading income 2018 2017 £m £m Foreign exchange translation gains 31 130 Gains on foreign exchange trading transactions – – Total foreign exchange 31 130 Investment property gains 45 231 Securities and other gains (see below) (866 ) 10,616 Net trading income (790 ) 10,977 Securities and other gains comprise net gains arising on assets and liabilities held at fair value through profit or loss and for trading as follows: 2018 2017 Net income arising on assets designated at fair value through profit or loss: Debt securities, loans and advances (426 ) 990 Equity shares (535 ) 9,556 Total net gains arising on assets designated at fair value through profit or loss (961 ) 10,546 Net gains on financial instruments held for trading 95 70 Securities and other gains (866 ) 10,616 (b) Insurance premium income 2018 2017 Life insurance Gross premiums: Life and pensions 2,198 6,273 Annuities 366 1,082 2,564 7,355 Ceded reinsurance premiums (73 ) (168 ) Net earned premiums 2,491 7,187 Non-life insurance Net earned premiums 223 743 Total net earned premiums 2,714 7,930 (c) Insurance claims 2018 2017 Insurance claims comprise: £m £m Life insurance and participating investment contracts Claims and surrenders (2,788 ) (8,898 ) Change in insurance and participating investment contracts 1,533 (9,067 ) Change in non-participating investment contracts (73 ) 2,836 (1,328 ) (15,129 ) Reinsurers’ share 86 35 (1,242 ) (15,094 ) Change in unallocated surplus 14 (147 ) Total life insurance and participating investment contracts (1,228 ) (15,241 ) Non-life insurance Total non-life insurance claims, net of reinsurance (135 ) (337 ) Total insurance claims (1,363 ) (15,578 ) Life insurance and participating investment contracts gross claims and surrenders can also be analysed as follows: Deaths (267 ) (675 ) Maturities (393 ) (1,280 ) Surrenders (1,734 ) (5,674 ) Annuities (336 ) (985 ) Other (58 ) (284 ) Total life insurance gross claims and surrenders (2,788 ) (8,898 ) The impact of the discontinued operations on the Group’s Cash flow statements was as follows: 2018 1 2017 £m £m Net cash used in operating activities (1,715 ) (12,244 ) Net cash from investing activities 60 208 Net cash used in financing activities (682 ) (115 ) Change in cash and cash equivalents (2,337 ) (12,151 ) 1 Presentation amended for revised amounts.

FINANCIAL ASSETS AT FAIR VALUE

FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS	12 Months Ended
	Dec. 31, 2019
Financial assets at fair value through profit or loss, category [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS [Line Items]
Disclosure Of Trading And Other Financial Assets At Fair Value Through Profit Or Loss [Text Block]	14 FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS The Group The Bank 2019 2018 2019 2018 Trading assets 290 19,462 290 19,420 Other financial assets mandatorily at fair value through profit or loss 1,994 3,794 413 1,423 Total 2,284 23,256 703 20,843 These assets are comprised as follows: The Group The Bank 2019 2018 2019 2018 Trading Other Trading Other Trading Other Trading Other Loans and advances to customers – 1,782 16,891 3,120 – 362 16,891 899 Loans and advances to banks – – 236 – – – 236 – Debt securities: Government securities 290 – 2,293 – 290 – 2,293 – Asset-backed securities – – 20 – – – – – Corporate and other debt securities – 47 22 518 – 47 – 518 290 47 2,335 518 290 47 2,293 518 Equity shares – 165 – 156 – 4 – 6 Total 290 1,994 19,462 3,794 290 413 19,420 1,423 At 31 December 2019 £1,943 million (2018: £4,248 million) of trading and other financial assets at fair value through profit or loss of the Group and £665 million (2018: £3,030 million) of the Bank had a contractual residual maturity of greater than one year. For amounts included above which are subject to repurchase and reverse repurchase agreements see note 46.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure of derivative financial instruments [text block] [Abstract]
Disclosure of derivative financial instruments [text block]	15 DERIVATIVE FINANCIAL INSTRUMENTS The fair values and notional amounts of derivative instruments are set out in the following table: 2019 2018 The Group Contract/ Fair value Fair value Contract/ Fair value Fair value Trading Exchange rate contracts: Spot, forwards and futures 11,066 272 142 22,422 797 710 Currency swaps 156,224 1,184 2,492 155,993 2,419 1,401 Options purchased 681 9 – 2,596 64 – Options written 681 – 9 2,590 – 64 168,652 1,465 2,643 183,601 3,280 2,175 Interest rate contracts: Interest rate swaps 1,822,407 5,779 5,685 1,903,166 6,311 7,071 Forward rate agreements 30,192 1 2 97,140 4 5 Options purchased 4,124 77 – 7,982 124 – Options written 3,682 – 78 6,847 – 141 1,860,405 5,857 5,765 2,015,135 6,439 7,217 Credit derivatives 7,546 39 99 3,330 22 31 Equity and other contracts 338 16 295 1,563 69 381 Total derivative assets/liabilities held for trading 2,036,941 7,377 8,802 2,203,629 9,810 9,804 Hedging Derivatives designated as fair value hedges: Cross currency swaps 34 8 – 490 3 29 Interest rate swaps (including swap options) 160,942 696 229 150,971 947 187 160,976 704 229 151,461 950 216 Derivatives designated as cash flow hedges: Cross currency swaps 7,593 70 64 8,024 175 47 Interest rate swaps 417,718 343 736 556,945 358 844 425,311 413 800 564,969 533 891 Total derivative assets/liabilities held for hedging 586,287 1,117 1,029 716,430 1,483 1,107 Total recognised derivative assets/liabilities 2,623,228 8,494 9,831 2,920,059 11,293 10,911 The notional amount of the contract does not represent the Group’s exposure to credit risk which is limited to the current cost of replacing contracts with a positive value to the Group should the counterparty default. To reduce credit risk the Group uses a variety of credit enhancement techniques such as netting and collateralisation, where security is provided against the exposure; a large proportion of the Group’s derivatives are held through exchanges such as London Clearing House and are collateralised through those exchanges. Further details are provided in note 46 Credit risk. The Group holds derivatives as part of the following strategies: – Customer driven, where derivatives are held as part of the provision of risk management products to Group customers; – To manage and hedge the Group’s interest rate and foreign exchange risk arising from normal banking business. The hedge accounting strategy adopted by the Group is to utilise a combination of fair value and cash flow hedge approaches as described in note 46; and – Derivatives held in policyholders funds as permitted by the investment strategies of those funds. The principal derivatives used by the Group are as follows: – Interest rate related contracts include interest rate swaps, forward rate agreements and options. An interest rate swap is an agreement between two parties to exchange fixed and floating interest payments, based upon interest rates defined in the contract, without the exchange of the underlying principal amounts. Forward rate agreements are contracts for the payment of the difference between a specified rate of interest and a reference rate, applied to a notional principal amount at a specific date in the future. An interest rate option gives the buyer, on payment of a premium, the right, but not the obligation, to fix the rate of interest on a future loan or deposit, for a specified period and commencing on a specified future date. – Exchange rate related contracts include forward foreign exchange contracts, currency swaps and options. A forward foreign exchange contract is an agreement to buy or sell a specified amount of foreign currency on a specified future date at an agreed rate. Currency swaps generally involve the exchange of interest payment obligations denominated in different currencies; the exchange of principal can be notional or actual. A currency option gives the buyer, on payment of a premium, the right, but not the obligation, to sell specified amounts of currency at agreed rates of exchange on or before a specified future date. – Credit derivatives, principally credit default swaps, are used by the Group as part of its trading activity and to manage its own exposure to credit risk. A credit default swap is a swap in which one counterparty receives a premium at pre-set intervals in consideration for guaranteeing to make a specific payment should a negative credit event take place. – Equity derivatives are also used by the Group as part of its equity-based retail product activity to eliminate the Group’s exposure to fluctuations in various international stock exchange indices. Index-linked equity options are purchased which give the Group the right, but not the obligation, to buy or sell a specified amount of equities, or basket of equities, in the form of published indices on or before a specified future date. Details of the Group’s hedging instruments are set out below: Maturity The Group – 31 December 2019 Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total Fair value hedges Interest rate Cross currency swap Notional – – – – 34 34 Average fixed interest rate – – – – 1.28% Average EUR/GBP exchange rate – – – – 1.38 Average USD/GBP exchange rate – – – – – Average NOK/GBP exchange rate – – – – – Interest rate swap Notional 331 9,305 37,948 91,535 21,823 160,942 Average fixed interest rate 2.58% 1.74% 1.22% 1.78% 2.72% Cash flow hedges Foreign exchange Currency swap Notional – 364 390 1,766 5,073 7,593 Average EUR/GBP exchange rate – – 1.21 1.10 – Average USD/GBP exchange rate – 1.33 1.36 1.30 1.30 Interest rate Interest rate swap Notional 9,395 23,424 57,950 205,603 121,346 417,718 Average fixed interest rate 1.06% 1.23% 1.29% 1.48% 2.43% Maturity The Group – 31 December 2018 Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total Fair value hedges Interest rate Cross currency swap Notional – 36 – 283 171 490 Average fixed interest rate – 4.82% – 5.88% 4.44% Average EUR/USD exchange rate – – – 1.13 – Average USD/GBP exchange rate – – – 1.30 – Average NOK/GBP exchange rate – 9.22 – 9.19 9.03 Interest rate swap Notional 393 417 32,876 86,451 30,834 150,971 Average fixed interest rate 1.38% 2.06% 1.65% 1.75% 2.98% Cash flow hedges Foreign exchange Currency swap Notional 67 – 642 1,412 5,903 8,024 Average USD/EUR exchange rate 1.15 – 1.14 1.10 0.00 Average USD/GBP exchange rate – – 1.28 1.21 1.28 Interest rate Interest rate swap Notional 4,874 11,204 66,312 292,712 181,843 556,945 Average fixed interest rate 1.47% 1.03% 0.99% 1.46% 1.85% The carrying amounts of the Group’s hedging instruments are as follows: Carrying amount of the hedging instrument The Group – 31 December 2019 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 34 8 – 2 Interest rate swaps 160,942 696 229 351 Cash flow hedges Foreign exchange Currency swaps 7,593 70 64 (141 ) Interest rate Interest rate swaps 417,718 343 736 920 Carrying amount of the hedging instrument The Group – 31 December 2018 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 490 3 29 (10 ) Interest rate swaps 150,971 947 187 135 Cash flow hedges Foreign exchange Currency swaps 8,024 175 47 104 Interest rate Interest rate swaps 556,945 358 844 (789 ) All amounts are held within derivative financial instruments. The Group’s hedged items are as follows: Carrying amount of the Accumulated amount of Change in Cash flow hedge reserve The Group – 31 December 2019 Assets Liabilities Assets Liabilities item for Continuing Discontinued Fair value hedges Interest rate Fixed rate mortgages 1 83,818 – 154 – (73 ) Fixed rate issuance 2 – 47,689 – 1,590 (326 ) Fixed rate borrowings 3 – 1,272 – 136 (206 ) Fixed rate bonds 4 21,354 – 660 – 405 Cash flow hedges Foreign exchange Foreign currency issuance 2 28 (20 ) 90 Customer deposits 5 116 18 (48 ) Interest rate Customer loans 1 (657 ) 1,226 531 Central bank balances 6 (220 ) 85 163 Customer deposits 5 (1 ) (40 ) 6 Carrying amount of the Accumulated amount of fair Change in Cash flow hedge reserve The Group – 31 December 2018 Assets Liabilities Assets Liabilities ineffectiveness Continuing Discontinued Fair value hedges Interest rate Fixed rate mortgages 1 53,136 – (45 ) – (173 ) Fixed rate issuance 2 – 44,009 – 1,545 750 Fixed rate borrowings 3 – 6,528 – (103 ) 12 Fixed rate bonds 4 23,285 – 232 – (666 ) Cash flow hedges Foreign exchange Foreign currency issuance 2 (40 ) 12 266 Customer deposits 5 (62 ) 70 (78 ) Interest rate Customer loans 1 478 860 259 Central bank balances 6 (16 ) 30 20 Customer deposits 5 (131 ) (8 ) (7 ) 1 Included within loans and advances to customers. 2 Included within debt securities in issue. 3 Included within amounts due to fellow Lloyds Banking Group undertakings. 4 Included within financial assets at fair value through other comprehensive income. 5 Included within customer deposits. 6 Included within cash and balances at central banks. The accumulated amount of fair value hedge adjustments remaining in the balance sheet for hedged items that have ceased to be adjusted for hedging gains and losses is a liability of £315 million (2018: liability of £158 million). Gains and losses arising from hedge accounting are summarised as follows: Amounts reclassified from reserves to income statement as: The Group – 31 December 2019 Gain (loss) Hedge 1 Hedged Hedged item Income statement Fair value hedges Interest rate Fixed rate mortgages 186 Fixed rate issuance (28 ) Fixed rate borrowings 6 Fixed rate bonds (11 ) Cash flow hedges Foreign exchange Foreign currency issuance (202 ) – (101 ) (73 ) Interest expense Customer deposits (22 ) – – 6 Interest expense Interest rate Customer loans 616 99 – (367 ) Interest income Central bank balances 194 32 – (52 ) Interest income Customer deposits – – – 7 Interest expense Amounts reclassified from reserves to The Group – 31 December 2018 Gain (loss) Hedge 1 Hedged item Income statement Fair value hedges Interest rate Fixed rate mortgages 106 Fixed rate issuance (33 ) Fixed rate borrowings 2 Fixed rate bonds (27 ) Cash flow hedges Foreign exchange Foreign currency issuance (31 ) – (71 ) Interest expense Customer deposits (22 ) (2 ) (32 ) Interest expense Interest rate Customer loans (435 ) (17 ) (467 ) Interest income Central bank balances (63 ) (5 ) (52 ) Interest income Customer deposits (49 ) (1 ) (69 ) Interest expense 1 Hedge ineffectiveness is included in the income statement within net trading income. There was a gain of £101 million (2018: £nil) reclassified from the cash flow hedging reserve for which hedge accounting had previously been used but for which the hedged future cash flows are no longer expected to occur. At 31 December 2019 £7,569 million of total recognised derivative assets of the Group and £9,213 million of total recognised derivative liabilities of the Group (2018: £9,861 million of assets and £9,665 million of liabilities) had a contractual residual maturity of greater than one year. 2019 2018 The Bank Contract/ Fair value Fair value Contract/ Fair value Fair value Trading Exchange rate contracts: Spot, forwards and futures 8,564 154 123 19,965 573 706 Currency swaps 183,675 1,401 2,748 186,701 3,003 2,068 Options purchased 682 9 – 2,596 64 – Options written 682 – 9 2,590 – 64 193,603 1,564 2,880 211,852 3,640 2,838 Interest rate contracts: Interest rate swaps 2,370,877 11,714 10,776 2,463,556 11,062 10,123 Forward rate agreements 30,192 1 2 103,654 5 6 Options purchased 4,176 78 – 8,224 125 – Options written 3,697 – 89 6,856 – 152 2,408,942 11,793 10,867 2,582,290 11,192 10,281 Credit derivatives 4,618 59 182 6,775 99 55 Equity and other contracts 368 15 15 1,471 68 57 Total derivative assets/liabilities held for trading 2,607,531 13,431 13,944 2,802,388 14,999 13,231 Hedging Derivatives designated as fair value hedges: Cross currency swaps 34 8 – 490 3 29 Interest rate swaps (including swap options) 66,833 153 213 153,223 385 1,256 66,867 161 213 153,713 388 1,285 Derivatives designated as cash flow hedges: Currency swaps 1,101 37 19 541 15 1 Interest rate swaps 130,477 9 35 146,018 29 29 131,578 46 54 146,559 44 30 Total derivative assets/liabilities held for hedging 198,445 207 267 300,272 432 1,315 Total recognised derivative assets/liabilities 2,805,976 13,638 14,211 3,102,660 15,431 14,546 Details of the Bank’s hedging instruments are set out below: Maturity The Bank – 31 December 2019 Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total Fair value hedges Interest rate Cross currency swap Notional – – – – 34 34 Average fixed interest rate 1.28% Average EUR/GBP exchange rate – – – – 1.38 Average USD/GBP exchange rate – – – – – Average NOK/GBP exchange rate – – – – – Interest rate swap Notional 331 1,445 8,378 34,930 21,749 66,833 Average fixed interest rate 2.58% 2.39% 1.49% 1.82% 2.24% Cash flow hedges Foreign exchange Currency swap Notional 53 210 539 299 – 1,101 Average EUR/GBP exchange rate – – 1.15 1.11 – Average USD/GBP exchange rate 1.37 1.38 1.36 1.36 – Interest rate Interest rate swap Notional 3,473 6,771 22,444 66,892 30,897 130,477 Average fixed interest rate 1.10% 1.58% 1.57% 1.41% 1.93% Maturity Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total The Bank – 31 December 2018 £m £m £m £m £m £m Fair value hedges Interest rate Cross currency swap Notional – 36 – 283 171 490 Average fixed interest rate – 4.82% – 5.88% 4.44% Average EUR/USD exchange rate – – – 1.13 – Average USD/GBP exchange rate – – – 1.30 – Average NOK/GBP exchange rate – 9.22 – 9.19 9.03 Interest rate swap Notional 458 421 33,667 87,350 31,327 153,223 Average fixed interest rate 1.33% 2.09% 1.72% 1.78% 2.97% Cash flow hedges Foreign exchange Currency swap Notional – – 280 261 – 541 Average USD/EUR exchange rate – – 1.12 1.10 – Average USD/GBP exchange rate – – – 1.42 – Interest rate Interest rate swap Notional 1,199 4,170 16,653 75,609 48,387 146,018 Average fixed interest rate 1.33% 1.52% 1.57% 1.69% 2.15% The carrying amounts of the Bank’s hedging instruments are as follows: Carrying amount of the hedging instrument The Bank – 31 December 2019 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 34 8 – 2 Interest rate swaps 66,833 153 213 118 Cash flow hedges Foreign exchange Currency swaps 1,101 37 19 (31 ) Interest rate Interest rate swaps 130,477 9 35 777 Carrying amount of the hedging instrument The Bank – 31 December 2018 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 490 3 29 (10 ) Interest rate swaps 153,223 385 1,256 272 Cash flow hedges Foreign exchange Currency swaps 541 15 1 41 Interest rate Interest rate swaps 146,018 29 29 (389 ) All amounts are held within derivative financial instruments. The Bank’s hedged items are as follows: Carrying amount of the Accumulated amount of Change in Cash flow hedge reserve The Bank – 31 December 2019 Assets Liabilities Assets Liabilities £m Continuing Discontinued Fair value hedges Interest rate Fixed rate mortgages 1 – – – – – Fixed rate issuance 2 – 40,557 – 565 (357 ) Fixed rate borrowings – 1,272 – 136 (206 ) Fixed rate bonds 3 20,632 – 655 – 400 Cash flow hedges Foreign exchange Foreign currency issuance 2 31 (38 ) 7 Customer deposits 4 Interest rate Customer loans 1 (344 ) 1,037 881 Central bank balances 5 (388 ) – 441 Customer deposits 4 (1 ) (126 ) (58 ) Carrying amount of the Accumulated amount of fair Change in Cash flow hedge reserve The Bank – 31 December 2018 Assets Liabilities Assets Liabilities £m Continuing Discontinued Fair value hedges Interest rate Fixed rate issuance 1 – 34,881 – 791 334 Fixed rate borrowings 2 – 6,528 – (103 ) 12 Fixed rate bonds 3 23,105 – 232 – (666 ) Cash flow hedges Foreign exchange Foreign currency issuance 1 (41 ) 11 26 Interest rate Customer loans 4 376 982 620 Central bank balances 5 (107 ) 83 – Customer deposits 6 (7 ) (14 ) (9 ) 1 Included within debt securities in issue. 2 Included within amounts due to fellow Lloyds Banking Group undertakings. 3 Included within financial assets at fair value through other comprehensive income. 4 Included within loans and advances to customers. 5 Included within cash and balances at central banks. 6 Included within customer deposits. The accumulated amount of fair value hedge adjustments remaining in the balance sheet for hedged items that have ceased to be adjusted for hedging gains and losses is an asset of £54 million (2018: asset of £54 million). Gains and losses arising from hedge accounting are summarised as follows: Amounts reclassified from reserves to income statement The Bank – 31 December 2019 Gain (loss) Hedge 1 Hedged Hedged item Income statement Fair value hedges Interest rate Fixed rate mortgages (15 ) Fixed rate issuance (38 ) Fixed rate bonds 4 Fixed rate borrowings 6 Cash flow hedges Foreign exchange Foreign currency issuance (67 ) – (25 ) (11 ) Interest expense Customer deposits – – – – Interest expense Interest rate Customer loans 125 27 – (363 ) Interest income Central bank balances 361 35 – (84 ) Interest income Customer deposits 25 – – 35 Interest expense Amounts reclassified from reserves to The Bank – 31 December 2018 Gain (loss) Hedge 1 Hedged item Income statement Fair value hedges Interest rate Fixed rate issuance (33 ) Fixed rate borrowings 2 Fixed rate bonds (27 ) Cash flow hedges Foreign exchange Foreign currency issuance 40 – (1 ) Interest expense Interest rate Customer loans (504 ) (37 ) (567 ) Interest income Central bank balances 83 15 (67 ) Interest income Customer deposits 8 1 7 Interest expense 1 Hedge ineffectiveness is included in the income statement within net interest income. There was a gain of £25 million (2018: £nil) reclassified from the cash flow hedging reserve for which hedge accounting had previously been used but for which the hedged future cash flows are no longer expected to occur. At 31 December 2019 £4,256 million of total recognised derivative assets of the Bank and £5,101 million of total recognised derivative liabilities of the Bank (2018: £13,936 million of assets and £13,203 million of liabilities) had a contractual residual maturity of greater than one year.

FINANCIAL ASSETS AT AMORTISED C

FINANCIAL ASSETS AT AMORTISED COST	12 Months Ended
	Dec. 31, 2019
Disclosure Of Financial Assets At Amortised Cost Explanatory [Abstract]
Disclosure of Financial Assets at Amortised Cost Explanatory [text block]	16 FINANCIAL ASSETS AT AMORTISED COST 1) The Group Loans and advances to banks Stage 1 Stage 2 Stage 3 Purchased or Total At 1 January 2019 3,691 2 – – 3,693 Exchange and other adjustments 1 (125 ) – – – (125 ) Additions (repayments) 1,286 (2 ) – – 1,284 At 31 December 2019 4,852 – – – 4,852 Allowance for impairment losses – – – – – Total loans and advances to banks 4,852 – – – 4,852 Loans and advances to customers Stage 1 Stage 2 Stage 3 Purchased or Total At 1 January 2019 420,968 25,308 5,397 15,391 467,064 Exchange and other adjustments 1 (312 ) (44 ) 26 283 (47 ) Additions (repayments) 13,690 (2,520 ) (857 ) (1,934 ) 8,379 Transfers to Stage 1 6,318 (6,286 ) (32 ) – Transfers to Stage 2 (13,052 ) 13,484 (432 ) – Transfers to Stage 3 (1,539 ) (1,437 ) 2,976 – (8,273 ) 5,761 2,512 – – Recoveries – – 396 28 424 Acquisition of portfolios 2 3,694 – – – 3,694 Financial assets that have been written off during the year – – (1,827 ) (54 ) (1,881 ) At 31 December 2019 429,767 28,505 5,647 13,714 477,633 Allowance for impairment losses (669 ) (993 ) (1,359 ) (142 ) (3,163 ) Total loans and advances to customers 429,098 27,512 4,288 13,572 474,470 Debt securities Stage 1 Stage 2 Stage 3 Purchased or Total At 1 January 2019 5,095 – 2 – 5,097 Exchange and other adjustments 1 (90 ) – (1 ) – (91 ) Additions (repayments) 320 – – – 320 At 31 December 2019 5,325 – 1 – 5,326 Allowance for impairment losses – – (1 ) – (1 ) Total debt securities 5,325 – – – 5,325 Due from fellow Lloyds Banking Group undertakings 1,854 – 43 – 1,897 Allowance for impairment losses – – (43 ) – (43 ) Due from fellow Lloyds Banking Group undertakings, net of impairment allowances 1,854 – – – 1,854 Total financial assets at amortised cost 441,129 27,512 4,288 13,572 486,501 1 Exchange and other adjustments includes certain adjustments, prescribed by IFRS 9, in respect of purchased or originated credit-impaired financial assets. 2 Acquisition of portfolios in 2019 relates to the purchase, completed in September 2019, of Tesco Bank’s UK residential mortgage portfolio. Loans and advances to banks Stage 1 Stage 2 Stage 3 Purchased Total At 1 January 2018 4,182 2 – – 4,184 Exchange and other adjustments 58 – – – 58 Additions (repayments) 1,503 – – – 1,503 Disposal of businesses (2,052 ) – – – (2,052 ) At 31 December 2018 3,691 2 – – 3,693 Allowance for impairment losses (1 ) – – – (1 ) Total loans and advances to banks 3,690 2 – – 3,692 Stage 1 Stage 2 Stage 3 Purchased Total Loans and advances to customers At 1 January 2018 403,881 37,245 5,073 17,973 464,172 Exchange and other adjustments 787 (12 ) 65 – 840 Additions (repayments) 28,156 (2,128 ) (1,746 ) (2,609 ) 21,673 Transfers to Stage 1 19,521 (19,498 ) (23 ) – Transfers to Stage 2 (15,736 ) 15,989 (253 ) – Transfers to Stage 3 (1,971 ) (2,220 ) 4,191 – 1,814 (5,729 ) 3,915 – Recoveries – – 552 27 579 Disposal of businesses (13,670 ) (4,068 ) (884 ) – (18,622 ) Financial assets that have been written off during the year (1,578 ) – (1,578 ) At 31 December 2018 420,968 25,308 5,397 15,391 467,064 Allowance for impairment losses (518 ) (992 ) (1,432 ) (78 ) (3,020 ) Total loans and advances to customers 420,450 24,316 3,965 15,313 464,044 Stage 2 balances showed a large reduction in 2018 largely as a result of the refinements to the transfer criteria approach in mortgages. There was also a reduction from the disposal of the Irish mortgage portfolio and the transfer of assets to Lloyds Bank Corporate Markets plc together with improvements in credit quality. Stage 1 Stage 2 Stage 3 Purchased Total Debt securities At 1 January 2018 3,305 – 3 – 3,308 Exchange and other adjustments (103 ) – – – (103 ) Additions (repayments) 1,897 – – – 1,897 Financial assets that have been written off during the year – – (1 ) – (1 ) Disposal of businesses (4 ) – – – (4 ) At 31 December 2018 5,095 – 2 – 5,097 Allowance for impairment losses – – (2 ) – (2 ) Total debt securities 5,095 – – – 5,095 Due from fellow Lloyds Banking Group undertakings 1,878 – – – 1,878 Total financial assets at amortised cost 431,113 24,318 3,965 15,313 474,709 Transfers of assets between stages are deemed to take place at the start of the year. All other movements in the value of the asset are deemed to take place within the Stage under which that asset is reported at the end of the year. 2) The Bank Year ended 31 December 2019 Loans and advances to banks Stage 1 Stage 2 Stage 3 Total At 1 January 2019 3,154 – – 3,154 Exchange and other adjustments (105 ) – – (105 ) Additions (repayments) 1,404 – – 1,404 At 31 December 2019 4,453 – – 4,453 Allowance for impairment losses – – – – Total loans and advances to banks 4,453 – – 4,453 Loans and advances to customers Stage 1 Stage 2 Stage 3 Total At 1 January 2019 160,379 11,006 2,464 173,849 Exchange and other adjustments (325 ) (14 ) – (339 ) Additions (repayments) 7,702 (1,424 ) (287 ) 5,991 Transfers to Stage 1 1 2,805 (2,782 ) (23 ) – Transfers to Stage 2 (4,236 ) 4,455 (219 ) – Transfers to Stage 3 (649 ) (560 ) 1,209 – (2,080 ) 1,113 967 – Recoveries – – 152 152 Financial assets that have been written off during the year (911 ) (911 ) At 31 December 2019 165,676 10,681 2,385 178,742 Allowance for impairment losses (238 ) (435 ) (500 ) (1,173 ) Total loans and advances to customers 165,438 10,246 1,885 177,569 Debt securities Stage 1 Stage 2 Stage 3 Total At 1 January 2019 4,960 – – 4,960 Exchange and other adjustments (91 ) – – (91 ) Additions (repayments) 372 – – 372 At 31 December 2019 5,241 – – 5,241 Allowance for impairment losses – – – – Total debt securities 5,241 – – 5,241 Due from fellow Lloyds Banking Group undertakings 202,295 – 55 202,350 Allowance for impairment losses (18 ) – (55 ) (73 ) Due from fellow Lloyds Banking Group undertakings, net of impairment allowances 202,277 – – 202,277 Total financial assets at amortised cost 377,409 10,246 1,885 389,540 Year ended 31 December 2018 Loans and advances to banks Stage 1 Stage 2 Stage 3 Total At 1 January 2018 3,526 – – 3,526 Exchange and other adjustments 48 – – 48 Additions (repayments) 1,569 – – 1,569 Disposal of businesses (1,989 ) – – (1,989 ) At 31 December 2018 3,154 – – 3,154 Allowance for impairment losses (1 ) – – (1 ) Total loans and advances to banks 3,153 – – 3,153 Stage 1 Stage 2 Stage 3 Total Loans and advances to customers At 1 January 2018 156,827 12,150 2,712 171,689 Exchange and other adjustments 679 – – 679 Additions (repayments) 15,676 (1,159 ) (900 ) 13,617 Transfers to Stage 1 1 7,763 (7,751 ) (12 ) – Transfers to Stage 2 (8,239 ) 8,458 (219 ) – Transfers to Stage 3 (1,103 ) (678 ) 1,781 – (1,579 ) 29 1,550 – Recoveries 197 197 Disposal of businesses (11,224 ) (14 ) (290 ) (11,528 ) Financial assets that have been written off during the year (805 ) (805 ) At 31 December 2018 160,379 11,006 2,464 173,849 Allowance for impairment losses (209 ) (502 ) (823 ) (1,534 ) Total loans and advances to customers 160,170 10,504 1,641 172,315 1 Includes the effect of the change in transfer criteria approach for mortgages. Stage 1 Stage 2 Stage 3 Total Debt securities At 1 January 2018 3,182 – – 3,182 Exchange and other adjustments (251 ) – – (251 ) Additions (repayments) 2,029 – – 2,029 At 31 December 2018 4,960 – – 4,960 Allowance for impairment losses – – – – Total debt securities 4,960 – – 4,960 Due from fellow Lloyds Banking Group undertakings 153,585 – – 153,585 Total financial assets at amortised cost 321,868 10,504 1,641 334,013 Transfers between stages are deemed to have taken place at the start of the reporting period, with all other movements shown in the stage in which the asset is held at 31 December, with the exception of those held within Purchased or originated credit-impaired, which are not transferrable. Additions (repayments) comprise new loans originated and repayments of outstanding balances throughout the reporting period. Loans which are written off in the period are first transferred to Stage 3 before acquiring a full allowance and subsequent write-off. At 31 December 2019 £378,457 million (2018: £377,152 million) of loans and advances to customers of the Group and £103,042 million (2018: £109,015 million) of the Bank had a contractual residual maturity of greater than one year. At 31 December 2019 £1,498 million (2018: £860 million) of loans and advances to banks of the Group and £1,231 million (2018: £547 million) of the Bank had a contractual residual maturity of greater than one year. At 31 December 2019 £5,314 million (2018: £4,567 million) of debt securities of the Group and £5,241 million (2018: £4,439 million) of the Bank had a contractual residual maturity of greater than one year. For amounts included above which are subject to reverse repurchase agreements see note 46.

FINANCE LEASE RECEIVABLES

FINANCE LEASE RECEIVABLES	12 Months Ended
	Dec. 31, 2019
Disclosure of maturity analysis of finance lease payments receivable [text block] [Abstract]
Disclosure of maturity analysis of finance lease payments receivable [text block]	17 FINANCE LEASE RECEIVABLES The Group’s finance lease receivables are classified as loans and advances to customers and accounted for at amortised cost. The balance is analysed as follows: The Group The Bank 2019 2018 2019 2018 Gross investment in finance leases, receivable: Not later than 1 year 484 460 70 121 Later than 1 year and not later than 2 years 340 516 6 52 Later than 2 years and not later than 3 years 174 455 6 39 Later than 3 years and not later than 4 years 138 199 6 20 Later than 4 years and not later than 5 years 201 177 5 17 Later than 5 years 695 877 – – 2,032 2,684 93 249 Unearned future finance income on finance leases (478 ) (976 ) – (6 ) Rentals received in advance (18 ) (22 ) – (49 ) Net investment in finance leases 1,536 1,686 93 194 The Group The Bank 2019 £m 2018 2019 £m 2018 Not later than 1 year 404 306 70 93 Later than 1 year and not later than 2 years 322 408 6 41 Later than 2 years and not later than 3 years 126 353 6 30 Later than 3 years and not later than 4 years 98 152 6 14 Later than 4 years and not later than 5 years 166 129 5 16 Later than 5 years 420 338 – – Net investment in finance leases 1,536 1,686 93 194 Equipment leased to customers under finance leases primarily relates to structured financing transactions to fund the purchase of aircraft, ships and other large individual value items. There was an allowance for uncollectable finance lease receivables included in the allowance for impairment losses for the Group of £12 million (2018: £1 million).

ALLOWANCE FOR IMPAIRMENT LOSSES

ALLOWANCE FOR IMPAIRMENT LOSSES	12 Months Ended
	Dec. 31, 2019
Disclosure of allowance for credit losses [text block] [Abstract]
Disclosure of allowance for credit losses [text block]	18 ALLOWANCE FOR IMPAIRMENT LOSSES Analysis of movement in the allowance for impairment losses by Stage. Purchased or The Group originated Stage 1 Stage 2 Stage 3 credit-impaired Total Year ended 31 December 2019 £m £m £m £m £m In respect of drawn balances At 1 January 2019 519 992 1,434 78 3,023 Exchange and other adjustments 10 (9 ) 29 283 313 Transfers to Stage 1 229 (222 ) (7 ) – – Transfers to Stage 2 (53 ) 92 (39 ) – – Transfers to Stage 3 (15 ) (140 ) 155 – – Impact of transfers between stages (175 ) 353 420 – 598 (14 ) 83 529 – 598 Other items charged to the income statement 154 (73 ) 894 (193 ) 782 Charge to the income statement (note 11) 140 10 1,423 (193 ) 1,380 Advances written off (1,827 ) (54 ) (1,881 ) Recoveries of advances written off in previous years 396 28 424 Discount unwind (52 ) – (52 ) At 31 December 2019 669 993 1,403 142 3,207 In respect of undrawn balances At January 2019 121 63 6 – 190 Exchange and other adjustments (1 ) 1 – – – Transfers to Stage 1 19 (19 ) – – Transfers to Stage 2 (4 ) 4 – – Transfers to Stage 3 (1 ) (3 ) 4 – Impact of transfers between stages (17 ) 24 (1 ) 6 (3 ) 6 3 – 6 Other items charged to the income statement (26 ) 7 (4 ) – (23 ) Charge to the income statement (note 11) (29 ) 13 (1 ) – (17 ) At 31 December 2019 91 77 5 – 173 Total at 31 December 2019 760 1,070 1,408 142 3,380 In respect of: Loans and advances to banks – – – – – Loans and advances to customers 669 993 1,359 142 3,163 Debt securities – – 1 – 1 Due from fellow Lloyds Banking Group undertakings – – 43 – 43 Financial assets at amortised cost 669 993 1,403 142 3,207 Provisions in relation to loan commitments and financial guarantees 91 77 5 – 173 Total 760 1,070 1,408 142 3,380 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) – – – – – Exchange and other adjustments include certain adjustments, prescribed by IFRS 9, in respect of purchased or originated credit-impaired financial assets. Purchased or originated The Group credit- Stage 1 Stage 2 Stage 3 impaired Total Year ended 31 December 2018 £m £m £m £m £m In respect of drawn balances Balance at 1 January 2018 590 1,147 1,455 32 3,224 Exchange and other adjustments 1 – 118 – 119 Transfers to Stage 1 304 (299 ) (5 ) – Transfers to Stage 2 (46 ) 85 (39 ) – Transfers to Stage 3 (32 ) (131 ) 163 – Impact of transfers between stages (231 ) 368 324 461 (5 ) 23 443 461 Other items charged to the income statement (59 ) (76 ) 686 – 551 Charge to the income statement (note 11) (64 ) (53 ) 1,129 – 1,012 Advances written off (1,579 ) – (1,579 ) Disposal of businesses 1 (8 ) (102 ) (183 ) – (293 ) Recoveries of advances written off in previous years 552 27 579 Discount unwind (58 ) 19 (39 ) At 31 December 2018 519 992 1,434 78 3,023 In respect of undrawn balances Balance at 1 January 2018 147 126 – – 273 Exchange and other adjustments (6 ) (15 ) 10 – (11 ) Transfers to Stage 1 28 (28 ) – – Transfers to Stage 2 (6 ) 6 – – Transfers to Stage 3 (2 ) (5 ) 7 – Impact of transfers between stages (25 ) 22 (5 ) (8 ) (5 ) (5 ) 2 (8 ) Other items charged to the income statement (15 ) (43 ) (6 ) – (64 ) Charge to the income statement (20 ) (48 ) (4 ) – (72 ) At 31 December 2018 121 63 6 – 190 Total at 31 December 2018 640 1,055 1,440 78 3,213 In respect of: Loans and advances to banks 1 – – – 1 Loans and advances to customers 518 992 1,432 78 3,020 Debt securities – – 2 – 2 Financial assets at amortised cost 519 992 1,434 78 3,023 Provisions in relation to loan commitments and financial guarantees 121 63 6 – 190 Total 640 1,055 1,440 78 3,213 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) 1 – – – 1 1 Reflected the transfer of assets to Lloyds Bank Corporate Markets plc and the sale of the Group’s Irish mortgage portfolio. The Group income statement charge comprises: 2019 2018 £m £m Drawn balances 1,380 1,012 Undrawn balances (17 ) (72 ) Financial assets at fair value through other comprehensive income (1 ) (14 ) Total 1,362 926 The Bank Stage 1 Stage 2 Stage 3 Total Year ended 31 December 2019 £m £m £m £m In respect of drawn balances At 1 January 2019 255 502 823 1,580 Exchange and other adjustments – – (33 ) (33 ) Transfers to Stage 1 113 (109 ) (4 ) – Transfers to Stage 2 (17 ) 33 (16 ) – Transfers to Stage 3 (7 ) (68 ) 75 – Impact of transfers between stages (96 ) 127 227 258 (7 ) (17 ) 282 258 Other items charged to the income statement 8 (50 ) 274 232 Charge to the income statement 1 (67 ) 556 490 Advances written off (911 ) (911 ) Recoveries of advances written off in previous years 152 152 Discount unwind (32 ) (32 ) At 31 December 2019 256 435 555 1,246 In respect of undrawn balances At January 2019 41 32 3 76 Exchange and other adjustments – – – – Transfers to Stage 1 8 (8 ) – – Transfers to Stage 2 (2 ) 2 – – Transfers to Stage 3 – (2 ) 2 – Impact of transfers between stages (7 ) 15 (1 ) 7 (1 ) 7 1 7 Other items charged to the income statement 4 3 – 7 Charge to the income statement 3 10 1 14 At 31 December 2019 44 42 4 90 Total at 31 December 2019 300 477 559 1,336 In respect of: Loans and advances to banks – – – – Loans and advances to customers 238 435 500 1,173 Debt securities – – – – Due from fellow Lloyds Banking Group undertakings 18 – 55 73 Financial assets at amortised cost 256 435 555 1,246 Provisions in relation to loan commitments and financial guarantees 44 42 4 90 Total 300 477 559 1,336 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) – – – – The Bank Stage 1 Stage 2 Stage 3 Total Year ended 31 December 2018 £m £m £m £m In respect of drawn balances Balance at 1 January 2018 326 541 761 1,628 Exchange and other adjustments 8 – 42 50 Transfers to Stage 1 138 (136 ) (2 ) – Transfers to Stage 2 (22 ) 43 (21 ) – Transfers to Stage 3 (19 ) (74 ) 93 – Impact of transfers between stages (116 ) 172 156 212 (19 ) 5 226 212 Other items charged to the income statement (54 ) (44 ) 439 341 Charge to the income statement (73 ) (39 ) 665 553 Advances written off (805 ) (805 ) Disposal of businesses 1 (6 ) – (4 ) (10 ) Recoveries of advances written off in previous years 197 197 Discount unwind (33 ) (33 ) At 31 December 2018 255 502 823 1,580 In respect of undrawn balances Balance at 1 January 2018 70 54 – 124 Exchange and other adjustments 1 (9 ) 6 (2 ) Transfers to Stage 1 12 (12 ) – – Transfers to Stage 2 (3 ) 3 – – Transfers to Stage 3 (1 ) (2 ) 3 – Impact of transfers between stages (11 ) 10 (3 ) (4 ) (3 ) (1 ) – (4 ) Other items charged to the income statement (27 ) (12 ) (3 ) (42 ) Charge to the income statement (30 ) (13 ) (3 ) (46 ) At 31 December 2018 41 32 3 76 Total at 31 December 2018 296 534 826 1,656 In respect of: Loans and advances to banks 1 – – 1 Loans and advances to customers 209 502 823 1,534 Due from fellow Lloyds Banking Group undertakings 45 – – 45 Financial assets at amortised cost 255 502 823 1,580 Provisions in relation to loan commitments and financial guarantees 41 32 3 76 Total 296 534 826 1,656 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) 1 – – 1 1 Reflects the transfer of assets to Lloyds Bank Corporate Markets plc. Transfers between stages are deemed to have taken place at the start of the reporting period, with all other movements shown in the stage in which the asset is held at 31 December, with the exception of those held within Purchased or originated credit-impaired, which are not transferrable. As assets are transferred between stages, the resulting change in expected credit loss of £598 million for the Group and £258 million for the Bank (2018: £461 million for the Group and £212 million for the Bank) for drawn balances, and £6 million for the Group and £7 million for the Bank (2018: £8 million for the Group and £4 million for the Bank) for undrawn balances, is presented separately as Impacts of transfers between stages, in the stage in which the expected credit loss is recognised at the end of the reporting period. Other items charged to the income statement include the movements in the expected credit loss as a result of new loans originated and repayments of outstanding balances throughout the reporting period. Loans which are written off in the period are first transferred to Stage 3 before acquiring a full allowance and subsequent write-off. Consequently, recoveries on assets previously written-off also occur in Stage 3 only.

FINANCIAL ASSETS AT FAIR VALU_2

FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2019
Disclosure Of Fair Value Of Each Investment Designated As Measured At Fair Value Through Other Comprehensive Income Explantory [Abstract]
Disclosure of fair value of each investment designated as measured at fair value through other comprehensive income [text block]	19 FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME The Group The Bank 2019 2018 2019 2018 £m £m £m £m Debt securities: Government securities 13,082 18,971 12,938 18,831 Asset-backed securities 60 57 – 5 Corporate and other debt securities 11,036 5,119 8,783 4,151 24,178 24,147 21,721 22,987 Treasury and other bills 439 221 439 221 Total financial assets at fair value through other comprehensive income 24,617 24,368 22,160 23,208 At 31 December 2019 £23,385 million (2018: £21,247 million) of financial assets at fair value through other comprehensive income of the Group and £21,052 million (2018: £20,196 million) of the Bank had a contractual residual maturity of greater than one year. All assets were assessed at Stage 1 at 31 December 2018 and 2019.

GOODWILL OF THE GROUP

GOODWILL OF THE GROUP	12 Months Ended
	Dec. 31, 2019
The Group [member]
GOODWILL OF THE GROUP [Line Items]
Disclosure of goodwill [text block]	20 GOODWILL OF THE GROUP 2019 2018 £m £m At 1 January and 31 December 474 474 Cost 1 814 828 Accumulated impairment losses (340 ) (354 ) At 31 December 474 474 1 For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003. The goodwill held in the Group’s balance sheet is tested at least annually for impairment. For the purposes of impairment testing the goodwill is allocated to the appropriate cash generating unit; of the total balance of £474 million (2018: £474 million), £302 million, or 64 per cent of the total (2018: £302 million, 64 per cent of the total) has been allocated to Cards and £170 million, or 36 per cent of the total (2018: £170 million, 36 per cent of the total) has been allocated to Motor Finance, both in the Group’s Retail division. The recoverable amount of the goodwill relating to Motor Finance has also been based on a value in use calculation using pre-tax cash flow projections based on financial budgets and plans approved by management covering a four-year period and a discount rate of 14 per cent. The cash flows beyond the four-year period are extrapolated using a growth rate of 0.5 per cent which does not exceed the long-term average growth rates for the markets in which Motor Finance participates. Management believes that any reasonably possible change in the key assumptions above would not cause the recoverable amount of Motor Finance to fall below its balance sheet carrying value. The recoverable amount of the goodwill relating to the Cards business has been based on a value-in-use calculation using pre-tax cash flow projections based on financial budgets and plans approved by management covering a five-year period and a discount rate of 10 per cent. The cash flows beyond the five year period assume no growth. Management believes that any reasonably possible change in the key assumptions above would not cause the recoverable amount of the Cards business to fall below the balance sheet carrying value.

OTHER INTANGIBLE ASSETS

OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2019
Disclosure of intangible assets [text block] [Abstract]
Disclosure of intangible assets [text block]	21 OTHER INTANGIBLE ASSETS The Group The Bank Brands Core deposit Purchased Customer Capitalised Total Capitalised Cost: At 1 January 2018 596 2,770 1,017 471 2,661 7,515 2,331 Transfers in – – – – 324 324 – Additions – – – – 1,020 1,020 977 Disposals and write-offs – – (15 ) – (52 ) (67 ) (2 ) Disposal of business (12 ) – – (421 ) (46 ) (479 ) – At 31 December 2018 584 2,770 1,002 50 3,907 8,313 3,306 Additions – – – – 1,029 1,029 978 Disposals and write-offs – – – – (10 ) (10 ) (4 ) At 31 December 2019 584 2,770 1,002 50 4,926 9,332 4,280 Accumulated amortisation: At 1 January 2018 193 2,770 355 452 1,079 4,849 916 Transfers in – – – – 117 117 – Charge for the year 23 – 71 12 394 500 328 Disposals and write-offs – – (15 ) – (34 ) (49 ) – Disposal of business (12 ) – – (414 ) – (426 ) – At 31 December 2018 204 2,770 411 50 1,556 4,991 1,244 Charge for the year (note 9) – – 70 – 492 562 420 Disposals and write-offs – – – – (2 ) (2 ) (2 ) At 31 December 2019 204 2,770 481 50 2,046 5,551 1,662 Balance sheet amount at 31 December 2019 380 – 521 – 2,880 3,781 2,618 Balance sheet amount at 31 December 2018 380 – 591 – 2,351 3,322 2,062 Brands of £380 million (2018: £380 million) that have been determined to have indefinite useful lives and are not amortised. These brands use the Bank of Scotland name which has been in existence for over 300 years. These brands are well established financial services brands and there are no indications that they should not have an indefinite useful life. The purchased credit card relationships represent the benefit of recurring income generated from portfolios of credit cards purchased. The balance sheet amount at 31 December 2019 is expected to be amortised over its remaining useful life of eight years.

PROPERTY, PLANT AND EQUIPMENT

PROPERTY, PLANT AND EQUIPMENT	12 Months Ended
	Dec. 31, 2019
Disclosure of property, plant and equipment [text block] [Abstract]
Disclosure of property, plant and equipment [text block]	22 PROPERTY, PLANT AND EQUIPMENT The Group The Bank Investment Premises Equipment Operating Right-of- 1 Total Premises Equipment Operating Right-of- 1 Total Cost or valuation: At 1 January 2018 50 1,763 5,055 6,528 13,396 1,626 6,172 130 7,928 Exchange and other adjustments – – – 9 9 14 (6 ) 4 12 Additions – 71 516 1,754 2,341 57 452 – 509 Expenditure on investment properties (see below) 17 – – – 17 – – – – Disposals (32 ) (643 ) (571 ) (1,538 ) (2,784 ) (422 ) (351 ) (134 ) (907 ) Disposal of business – (11 ) (34 ) (111 ) (156 ) – – – – At 31 December 2018 35 1,180 4,966 6,642 12,823 1,275 6,267 – 7,542 Adjustment on adoption of IFRS 16 (note 49) – – – – 1,655 1,655 – – – 883 883 Balance at 1 January 2019 35 1,180 4,966 6,642 1,655 14,478 1,275 6,267 – 883 8,425 Exchange and other adjustments – 3 4 – – 7 21 – – – 21 Additions – 118 518 1,693 183 2,512 62 484 – 114 660 Expenditure on investment properties (see below) 11 – – – – 11 – – – – – Change in fair value of investment properties (8 ) – – – – (8 ) – – – – – Disposals (23 ) (243 ) (231 ) (1,681 ) (25 ) (2,203 ) (271 ) (210 ) – (16 ) (497 ) At 31 December 2019 15 1,058 5,257 6,654 1,813 14,797 1,087 6,541 – 981 8,609 Accumulated depreciation and impairment: At 1 January 2018 – 711 2,117 1,506 4,334 1,023 3,632 21 4,676 Exchange and other adjustments – – – 4 4 5 (4 ) – 1 Depreciation charge for the year – 121 713 1,015 1,849 62 639 2 703 Disposals – (628 ) (534 ) (595 ) (1,757 ) (403 ) (352 ) (23 ) (778 ) Disposal of business – (5 ) (26 ) (91 ) (122 ) – – – – At 31 December 2018 – 199 2,270 1,839 4,308 687 3,915 – 4,602 Exchange and other adjustments – – (1 ) (33 ) 1 (33 ) 8 – – 3 11 Depreciation charge for the year (note 9) – 121 710 1,006 203 2,040 67 648 – 110 825 Disposals – (225 ) (176 ) (584 ) – (985 ) (257 ) (166 ) – – (423 ) At 31 December 2019 – 95 2,803 2,228 204 5,330 505 4,397 – 113 5,015 Balance sheet amount at 31 December 2019 15 963 2,454 4,426 1,609 9,467 582 2,144 – 868 3,594 Balance sheet amount at 31 December 2018 35 981 2,696 4,803 – 8,515 588 2,352 – – 2,940 1 Primarily premises. Expenditure on investment properties is comprised as follows: 2019 2018 Acquisitions of new properties 11 17 Additional expenditure on existing properties – – 11 17 The table above analyses movements in investment properties, all of which are categorised as level 3. See note 43 for details of levels in the fair value hierarchy. At 31 December the future minimum rentals receivable by the Group under non-cancellable operating leases were as follows: 2019 2018 Receivable within 1 year 977 1,095 1 to 2 years 620 681 2 to 3 years 312 332 3 to 4 years 102 113 4 to 5 years 12 30 Over 5 years 2 6 Total future minimum rentals receivable 2,025 2,257 Equipment leased to customers under operating leases primarily relates to vehicle contract hire arrangements.

INVESTMENT IN SUBSIDIARY UNDERT

INVESTMENT IN SUBSIDIARY UNDERTAKINGS OF THE BANK	12 Months Ended
	Dec. 31, 2019
Disclosure of interests in subsidiaries [text block] [Abstract]
Disclosure of interests in subsidiaries [text block]	23 INVESTMENT IN SUBSIDIARY UNDERTAKINGS OF THE BANK 2019 2018 At 1 January 32,656 32,878 Additions and capital injections 1,766 110 Capital contributions 53 73 Capital repayments (212 ) (210 ) Disposals (20 ) (103 ) Impairment 1 (159 ) (92 ) At 31 December 34,084 32,656 1 During the year ended 31 December 2019 the Bank wrote-down the carrying value of its investments in certain subsidiaries, following a review of their financial position and anticipated future activities. Certain subsidiary companies currently have insufficient distributable reserves to make dividend payments, however, there were no further significant restrictions on any of the Company’s subsidiaries in paying dividends or repaying loans and advances. All regulated banking subsidiaries are required to maintain capital at levels agreed with the regulators; this may impact those subsidiaries’ ability to make distributions.

OTHER ASSETS

OTHER ASSETS	12 Months Ended
	Dec. 31, 2019
Disclosure of other non-current assets [text block] [Abstract]
Disclosure of other non-current assets [text block]	24 OTHER ASSETS The Group The Bank 2019 2018 2019 2018 Settlement balances 490 223 437 150 Investments in joint ventures and associates 3 5 5 5 Other assets and prepayments 2,034 2,011 556 694 Total other assets 2,527 2,239 998 849

FINANCIAL LIABILITIES AT FAIR V

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS	12 Months Ended
	Dec. 31, 2019
Disclosure Of Trading And Other Financial Liabilities At Fair Value Through Profit Or Loss [Abstract]
Disclosure Of Trading And Other Financial Liabilities At Fair Value Through Profit Or Loss [Text Block]	25 FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS The Group The Bank 2019 2018 2019 2018 Liabilities designated at fair value through profit or loss: debt securities in issue 7,531 7,085 7,484 7,032 Trading liabilities: Liabilities in respect of securities sold under repurchase agreements – 10,258 – 10,258 Other deposits 98 270 140 362 Short positions in securities 73 117 73 67 171 10,645 213 10,687 Financial liabilities at fair value through profit or loss 7,702 17,730 7,697 17,719 At 31 December 2019, the Group had £7,376 million (2018: £7,097 million) and the Bank had £7,328 million (2018: £7,036 million) of trading and other liabilities at fair value through profit or loss with a contractual residual maturity of greater than one year. Liabilities designated at fair value through profit or loss primarily represent debt securities in issue which either contain substantive embedded derivatives which would otherwise need to be recognised and measured at fair value separately from the related debt securities, or which are accounted for at fair value to significantly reduce an accounting mismatch. The amount contractually payable on maturity of the debt securities held at fair value through profit or loss at 31 December 2019 was £14,365 million (2018: £15,435 million), which was £6,834 million higher than the balance sheet carrying value (2018: £8,350 million higher). At 31 December 2019 there was a cumulative £33 million increase (2018: £386 million decrease) in the fair value of these liabilities attributable to changes in credit spread risk; this is determined by reference to the quoted credit spreads of the Bank. Of the cumulative amount, an increase of £419 million arose in 2019 and a decrease of £533 million arose in 2018. For the fair value of collateral pledged in respect of repurchase agreements see note 46.

DEBT SECURITIES IN ISSUE

DEBT SECURITIES IN ISSUE	12 Months Ended
	Dec. 31, 2019
Disclosure of debt instruments [text block] [Abstract]
Disclosure of debt instruments [text block]	26 DEBT SECURITIES IN ISSUE The Group The Bank 2019 2018 2019 2018 Medium-term notes issued 26,628 17,314 25,603 16,221 Covered bonds (note 27) 29,818 28,194 25,359 22,351 Certificates of deposit issued 4,925 6,667 4,925 6,667 Securitisation notes (note 27) 7,329 5,480 – – Commercial paper 7,731 6,878 5,622 4,548 Total debt securities in issue 76,431 64,533 61,509 49,787 At 31 December 2019 £41,762 million (2018: £44,749 million) of debt securities in issue of the Group and £32,152 million (2018: £32,923 million) of the Bank had a contractual residual maturity of greater than one year.

SECURITISATIONS AND COVERED BON

SECURITISATIONS AND COVERED BONDS	12 Months Ended
	Dec. 31, 2019
Disclosure Of Securitisations Programmes And Transactions [Abstract]
Disclosure Of Securitisations Programmes And Transactions [Text Block]	27 SECURITISATIONS AND COVERED BONDS Securitisation programmes The Group’s balance sheet includes loans securitised under the Group’s securitisation programmes, the majority of which have been sold by Group companies to bankruptcy remote structured entities. As the structured entities are funded by the issue of debt on terms whereby the majority of risks and rewards of the portfolio are retained by the Group company, the structured entities are consolidated fully and all of these loans are retained on the Group’s balance sheet, with the related notes in issue included within debt securities in issue. Covered bond programmes Certain loans and advances to customers have been assigned to bankruptcy remote limited liability partnerships to provide security for issues of covered bonds by the Group. The Group retains all of the risks and rewards associated with these loans and the partnerships are consolidated fully with the loans retained on the Group’s balance sheet, and the related covered bonds in issue included within debt securities in issue. The Group’s principal securitisation and covered bonds programmes, together with the balances of the advances subject to these arrangements and the carrying value of the notes in issue at 31 December, are listed below. The notes in issue are reported in note 26. 2019 2018 Loans and Notes in issue Loans and Notes in issue Securitisation programmes UK residential mortgages 25,815 23,505 25,018 22,485 Commercial loans 5,116 6,038 5,746 6,577 Credit card receivables 8,164 5,767 8,060 5,263 Motor vehicle finance 3,450 3,462 2,850 2,855 42,545 38,772 41,674 37,180 Less held by the Group (31,396 ) (31,647 ) Total securitisation programmes 1 7,376 5,533 Covered bond programmes Residential mortgage-backed 37,579 29,318 34,963 27,694 Social housing loan-backed 1,552 600 1,839 1,200 39,131 29,918 36,802 28,894 Less held by the Group (100 ) (700 ) Total covered bond programmes 29,818 28,194 Total securitisation and covered bond programmes 37,194 33,727 1 Includes £47 million (2018: £53 million) of securitisation notes held at fair value through profit or loss. Cash deposits of £4,703 million (2018: £4,102 million) which support the debt securities issued by the structured entities, the term advances related to covered bonds and other legal obligations are held by the Group. Additionally, the Group had certain contractual arrangements to provide liquidity facilities to some of these structured entities. At 31 December 2019 these obligations had not been triggered and the maximum exposure under these facilities was £56 million (2018: £88 million). The Group has a number of covered bond programmes, for which limited liability partnerships have been established to ring-fence asset pools and guarantee the covered bonds issued by the Group. At the reporting date the Group had over-collateralised these programmes as set out in the table above to meet the terms of the programmes, to secure the rating of the covered bonds and to provide operational flexibility. From time-to-time, the obligations of the Group to provide collateral may increase due to the formal requirements of the programmes. The Group may also voluntarily contribute collateral to support the ratings of the covered bonds. The Group recognises the full liabilities associated with its securitisation and covered bond programmes within debt securities in issue, although the obligations of the Group in respect of its securitisation issuances are limited to the cash flows generated from the underlying assets. The Group could be required to provide additional support to a number of the securitisation programmes to support the credit ratings of the debt securities issued, in the form of increased cash reserves and the holding of subordinated notes. Further, certain programmes contain contractual obligations that require the Group to repurchase assets should they become credit impaired. The Group has not provided financial or other support by voluntarily offering to repurchase assets from any of its public securitisation programmes during 2019 (2018: none).

OTHER LIABILITIES

OTHER LIABILITIES	12 Months Ended
	Dec. 31, 2019
Disclosure of other liabilities [text block] [Abstract]
Disclosure of other liabilities [text block]	28 OTHER LIABILITIES The Group The Bank 2019 2018 2019 2018 Settlement balances 274 30 9 32 Lease liabilities 1,755 46 975 46 Other creditors and accruals 3,571 4,259 1,808 3,444 5,600 4,335 2,792 3,522 The maturity of the lease liabilities was as follows The Group The Bank 2019 2018 2019 2018 Not later than 1 year 238 10 132 10 Later than 1 year and not later than 2 years 220 9 124 9 Later than 2 years and not later than 3 years 192 7 106 7 Later than 3 years and not later than 4 years 156 6 84 6 Later than 4 years and not later than 5 years 156 2 84 2 Later than 5 years 793 12 445 12 1,755 46 975 46 The Group adopted IFRS 16 Leases

RETIREMENT BENEFIT OBLIGATIONS

RETIREMENT BENEFIT OBLIGATIONS	12 Months Ended
	Dec. 31, 2019
Disclosure of employee benefits [text block] [Abstract]
Disclosure of employee benefits [text block]	29 RETIREMENT BENEFIT OBLIGATIONS 2019 £m 2018 £m 2017 £m Charge to the Group income statement Defined benefit pension schemes 241 396 334 Other post-retirement benefit schemes 4 4 7 Total defined benefit schemes 245 400 341 Defined contribution pension schemes 273 288 242 Total charge to the income statement – continuing operations (note 9) 518 688 583 In addition, in 2018 there was a charge of £8 million (2017: £42 million) within discontinued operations (see note 13). The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Amounts recognised in the balance sheet Retirement benefit assets 681 1,267 386 704 Retirement benefit obligations (257 ) (245 ) (124 ) (121 ) Total amounts recognised in the balance sheet 424 1,022 262 583 The total amount recognised in the balance sheet relates to: The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Defined benefit pension schemes 550 1,146 347 667 Other post-retirement benefit schemes (126 ) (124 ) (85 ) (84 ) Total amounts recognised in the balance sheet 424 1,022 262 583 Pension schemes DEFINED BENEFIT SCHEMES (i) Characteristics of and risks associated with the Group’s schemes The Group has established a number of defined benefit pension schemes in the UK and overseas. All significant schemes are based in the UK, with the three most significant being the main section of the Lloyds Bank Pension Scheme No. 1, the Lloyd’s Bank Pension Scheme No. 2 and the HBOS Final Salary Pension Scheme. At 31 December 2019, these schemes represented 94 per cent of the Group’s total gross defined benefit pension assets (2018: 94 per cent). These schemes provide retirement benefits calculated as a percentage of final pensionable salary depending upon the length of service; the minimum retirement age under the rules of the schemes at 31 December 2019 is generally 55 although certain categories of member are deemed to have a contractual right to retire at 50. The Group operates both funded and unfunded pension arrangements; the majority, including the three most significant schemes, are funded schemes in the UK. All of these UK funded schemes are operated as separate legal entities under trust law, are in compliance with the Pensions Act 2004 and are managed by a Trustee Board (the Trustee) whose role is to ensure that their Scheme is administered in accordance with the Scheme rules and relevant legislation, and to safeguard the assets in the best interests of all members and beneficiaries. The Trustee is solely responsible for setting investment policy and for agreeing funding requirements with the employer through the funding valuation process. The Board of Trustees must be composed of representatives of the Company and plan participants in accordance with the Scheme’s regulations. A valuation to determine the funding status of each scheme is carried out at least every three years, whereby scheme assets are measured at market value and liabilities (technical provisions) are measured using prudent assumptions. If a deficit is identified a recovery plan is agreed between the employer and the scheme Trustee and sent to the Pensions Regulator for review. The Group has not provided for these deficit contributions as the future economic benefits arising from these contributions are expected to be available to the Group. The Group’s overseas defined benefit pension schemes are subject to local regulatory arrangements. The most recent triennial funding valuation of the Group’s three main schemes, based on the position as at 31 December 2016, showed an aggregate funding deficit of £7.3 billion (a funding level of 85.6 per cent) compared to a £5.2 billion deficit (a funding level of 85.9 per cent) for the previous valuation as at 30 June 2014. In the light of this funding deficit, and in contemplation of the changes that the Group had made as a result of its Structural Reform Programme, the Group agreed a recovery plan with the trustees. Under the plan, deficit contributions of £618 million were paid during 2019, and these will rise to £798 million in 2020, £1,287 million in 2021 and £1,305 million per annum from 2022 to 2024. Contributions in the later years will be subject to review and renegotiation at subsequent funding valuations. The next funding valuation is due to be completed by March 2021 with an effective date of 31 December 2019. The deficit contributions are in addition to the regular contributions to meet benefits accruing over the year, and to cover the expenses of running the scheme. The Group currently expects to pay contributions of approximately £1,200 million to its defined benefit schemes in 2020. During 2009, the Group made one-off contributions to the Lloyds Bank Pension Scheme No 1 and Lloyds Bank Pension Scheme No 2 in the form of interests in limited liability partnerships for each of the two schemes which hold assets to provide security for the Group’s obligations to the two schemes. At 31 December 2019, the limited liability partnerships held assets of approximately £6.7 billion. The limited liability partnerships are consolidated fully in the Group’s balance sheet. The Group has also established three private limited companies which hold assets to provide security for the Group’s obligations to the HBOS Final Salary Pension Scheme, a section of the Lloyds Bank Pension Scheme No 1 and the Lloyds Bank Offshore Pension Scheme. At 31 December 2019 these held assets of approximately £4.8 billion in aggregate. The private limited companies are consolidated fully in the Group’s balance sheet. The terms of these arrangements require the Group to maintain assets in these vehicles to agreed minimum values in order to secure obligations owed to the relevant Group pension schemes. The Group has satisfied this requirement during 2019. The last funding valuations of other Group schemes were carried out on a number of different dates. In order to report the position under IAS 19 as at 31 December 2019 the most recent valuation results for all schemes have been updated by qualified independent actuaries. The funding valuations use a more prudent approach to setting the discount rate and more conservative longevity assumptions than the IAS 19 valuations. In July 2018 a decision was sought from the High Court in respect of the requirement to equalise the Guaranteed Minimum Pension (GMP) benefits accrued between 1990 and 1997 from contracting out of the State Earnings Related Pension Scheme. In its judgment handed down on 26 October 2018 the High Court confirmed the requirement to treat men and women equally with respect to these benefits and a range of methods that the Trustee is entitled to adopt to achieve equalisation. The Group recognised a past service cost of £108 million in respect of equalisation in 2018 and, following agreement of the detailed implementation approach with the Trustee, a further £33 million has been recognised in 2019. (ii) Amounts in the financial statements The Group The Bank 2019 2018 2019 2018 Amount included in the balance sheet Present value of funded obligations (45,241 ) (41,092 ) (28,072 ) (25,198 ) Fair value of scheme assets 45,791 42,238 28,419 25,865 Net amount recognised in the balance sheet 550 1,146 347 667 The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Net amount recognised in the balance sheet At 1 January 1,146 586 667 633 Net defined benefit pension charge (241 ) (396 ) (129 ) (193 ) Actuarial gains (losses) on defined benefit obligation (4,958 ) 1,641 (3,473 ) 760 Return on plan assets 3,531 (1,529 ) 2,700 (983 ) Employer contributions 1,062 827 558 451 Transfer of subsidiary 1 – (9 ) – – Exchange and other adjustments 10 26 24 (1 ) At 31 December 550 1,146 347 667 1 Prior to the disposal of the Scottish Widows Group in 2018, its subsidiary Scottish Widows Services Limited transferred to the direct ownership of the Bank; this subsidiary is the participating employer in the Scottish Widows Retirement Benefits Scheme. The Group The Bank 2019 2018 2019 2018 Movements in the defined benefit obligation At 1 January (41,092 ) (43,136 ) (25,198 ) (27,041 ) Current service cost (201 ) (257 ) (98 ) (119 ) Interest expense (1,172 ) (1,119 ) (737 ) (689 ) Remeasurements: Actuarial losses – experience (29 ) (439 ) 35 (333 ) Actuarial (losses) gains – demographic assumptions 471 (201 ) 304 (188 ) Actuarial gains (losses) – financial assumptions (5,400 ) 2,281 (3,812 ) 1,281 Benefits paid 2,174 3,036 1,436 1,965 Past service cost (44 ) (108 ) (33 ) (66 ) Settlements 17 17 – – Curtailments – (12 ) – (4 ) Transfer of subsidiary – (1,154 ) – – Exchange and other adjustments 35 – 31 (4 ) At 31 December (45,241 ) (41,092 ) (28,072 ) (25,198 ) The Group The Bank 2019 2018 2019 2018 Analysis of the defined benefit obligation: Active members (6,413 ) (6,448 ) (3,433 ) (3,487 ) Deferred members (16,058 ) (14,208 ) (9,679 ) (8,608 ) Pensioners (21,032 ) (18,885 ) (13,714 ) (11,971 ) Dependants (1,738 ) (1,551 ) (1,246 ) (1,132 ) (45,241 ) (41,092 ) (28,072 ) (25,198 ) The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Changes in the fair value of scheme assets At 1 January 42,238 43,722 25,865 27,674 Return on plan assets excluding amounts included in interest income 3,531 (1,529 ) 2,700 (983 ) Interest income 1,220 1,141 765 710 Employer contributions 1,062 827 558 451 Benefits paid (2,174 ) (3,036 ) (1,436 ) (1,965 ) Settlements (18 ) (18 ) – – Administrative costs paid (43 ) (40 ) (26 ) (25 ) Transfer of subsidiary – 1,145 – – Exchange and other adjustments (25 ) 26 (7 ) 3 At 31 December 45,791 42,238 28,419 25,865 The expense recognised in the income statement for the year ended 31 December comprises: The Group 2019 £m 2018 £m Current service cost 201 257 Net interest amount (48 ) (22 ) Past service credits and curtailments – 12 Settlements 1 1 Past service cost – plan amendments 44 108 Plan administration costs incurred during the year 43 40 Total defined benefit pension expense 241 396 (iii) Composition of scheme assets: 2019 2018 The Group Quoted £m Unquoted £m Total £m Quoted Unquoted Total Equity instruments 555 39 594 637 222 859 Debt instruments 1 Fixed interest government bonds 8,893 – 8,893 7,449 – 7,449 Index-linked government bonds 18,207 – 18,207 16,477 – 16,477 Corporate and other debt securities 10,588 – 10,588 8,813 – 8,813 Asset-backed securities – – – 138 – 138 37,688 – 37,688 32,877 – 32,877 Property – 158 158 – 556 556 Pooled investment vehicles 4,773 10,585 15,358 4,578 10,494 15,072 Money market instruments, derivatives, cash and 204 (8,211 ) (8,007 ) (283 ) (6,843 ) (7,126 ) At 31 December 43,220 2,571 45,791 37,809 4,429 42,238 1 Of the total debt instruments, £33,134 million (31 December 2018: £29,033 million) were investment grade (credit ratings equal to or better than ‘BBB’). 2019 2018 The Bank Quoted £m Unquoted £m Total £m Quoted Unquoted Total Equity instruments 385 26 411 299 215 514 Debt instruments 1 Fixed interest government bonds 3,198 – 3,198 2,570 – 2,570 Index-linked government bonds 11,254 – 11,254 10,236 – 10,236 Corporate and other debt securities 6,791 – 6,791 5,987 – 5,987 21,243 – 21,243 18,793 – 18,793 Pooled investment vehicles 2,527 7,203 9,730 2,405 7,192 9,597 Money market instruments, derivatives, cash and other assets and liabilities (145 ) (2,820 ) (2,965 ) (589 ) (2,450 ) (3,039 ) At 31 December 24,010 4,409 28,419 20,908 4,957 25,865 1 Of the total debt instruments, £18,724 million (31 December 2018: £16,472 million) were investment grade (credit ratings equal to or better than ‘BBB’). The assets of all the funded plans are held independently of the Group’s assets in separate trustee administered funds. The pension schemes’ pooled investment vehicles comprise: The Group The Bank 2019 £m 2018 2019 £m 2018 Equity funds 2,429 2,329 1,706 1,705 Hedge and mutual funds 2,886 2,487 1,818 1,488 Liquidity funds 1,126 2,329 980 1,336 Bond and debt funds 971 313 211 – Other 7,946 7,614 5,015 5,068 At 31 December 15,358 15,072 9,730 9,597 The Trustee’s approach to investment is focused on acting in the members’ best financial interests, with the integration of ESG ( Environmental, Social and Governance (iv) Assumptions The principal actuarial and financial assumptions used in valuations of the defined benefit pension schemes were as follows: 2019 % 2018 Discount rate 2.05 2.90 Rate of inflation: Retail Prices Index 2.94 3.20 Consumer Price Index 1.99 2.15 Rate of salary increases 0.00 0.00 Weighted-average rate of increase for pensions in payment 2.57 2.73 2019 Years 2018 Life expectancy for member aged 60, on the valuation date: Men 27.5 27.8 Women 29.2 29.4 Life expectancy for member aged 60, 15 years after the valuation date: Men 28.5 28.8 Women 30.3 30.6 The mortality assumptions used in the UK scheme valuations are based on standard tables published by the Institute and Faculty of Actuaries which were adjusted in line with the actual experience of the relevant schemes. The table shows that a member retiring at age 60 at 31 December 2019 is assumed to live for, on average, 27.5 years for a male and 29.2 years for a female. In practice there will be much variation between individual members but these assumptions are expected to be appropriate across all members. It is assumed that younger members will live longer in retirement than those retiring now. This reflects the expectation that mortality rates will continue to fall over time as medical science and standards of living improve. To illustrate the degree of improvement assumed the table also shows the life expectancy for members aged 45 now, when they retire in 15 years’ time at age 60. (v) Amount timing and uncertainty of future cash flows Risk exposure of the defined benefit schemes Whilst the Group is not exposed to any unusual, entity specific or scheme specific risks in its defined benefit pension schemes, it is exposed to a number of significant risks, detailed below: Inflation rate risk: Interest rate risk: Longevity risk: Investment risk: The ultimate cost of the defined benefit obligations to the Group will depend upon actual future events rather than the assumptions made. The assumptions made are unlikely to be borne out in practice and as such the cost may be higher or lower than expected. Sensitivity analysis The effect of reasonably possible changes in key assumptions on the value of scheme liabilities and the resulting pension charge in the Group’s income statement and on the net defined benefit pension scheme asset, for the Group’s three most significant schemes is set out below. The sensitivities provided assume that all other assumptions and the value of the schemes’ assets remain unchanged, and are not intended to represent changes that are at the extremes of possibility. The calculations are approximate in nature and full detailed calculations could lead to a different result. It is unlikely that isolated changes to individual assumptions will be experienced in practice. Due to the correlation of assumptions, aggregating the effects of these isolated changes may not be a reasonable estimate of the actual effect of simultaneous changes in multiple assumptions. Effect of reasonably possible alternative assumptions Increase (decrease) in the income statement charge (Increase) decrease in the net defined benefit pension scheme surplus 2019 £m 2018 2019 £m 2018 Inflation (including pension increases): 1 Increase of 0.1 per cent 12 14 467 410 Decrease of 0.1 per cent (12 ) (14 ) (460 ) (395 ) Discount rate: 2 Increase of 0.1 per cent (20 ) (27 ) (763 ) (670 ) Decrease of 0.1 per cent 21 25 784 686 Expected life expectancy of members: Increase of one year 40 43 1,636 1,299 Decrease of one year (39 ) (42 ) (1,575 ) (1,257 ) 1 At 31 December 2019, the assumed rate of RPI inflation is 2.94 per cent and CPI inflation 1.99 per cent (2018: RPI 3.20 per cent and CPI 2.15 per cent). 2 At 31 December 2019, the assumed discount rate is 2.05 per cent (2018: 2.90 per cent). Sensitivity analysis method and assumptions The sensitivity analysis above reflects the impact on the liabilities of the Group’s three most significant schemes which account for over 90 per cent of the Group’s defined benefit obligations. Whilst differences in the underlying liability profiles for the remainder of the Group’s pension arrangements mean they may exhibit slightly different sensitivities to variations in these assumptions, the sensitivities provided above are indicative of the impact across the Group as a whole. The inflation assumption sensitivity applies to both the assumed rate of increase in the Consumer Prices Index (CPI) and the Retail Prices Index (RPI), and include the impact on the rate of increases to pensions, both before and after retirement. These pension increases are linked to inflation (either CPI or RPI) subject to certain minimum and maximum limits. The sensitivity analysis (including the inflation sensitivity) does not include the impact of any change in the rate of salary increases as pensionable salaries have been frozen since 2 April 2014. The life expectancy assumption has been applied by allowing for an increase/decrease in life expectation from age 60 of one year, based upon the approximate weighted average age for each scheme. Whilst this is an approximate approach and will not give the same result as a one year increase in life expectancy at every age, it provides an appropriate indication of the potential impact on the schemes from changes in life expectancy. There was no change in the methods and assumptions used in preparing the sensitivity analysis from the prior year. Asset-liability matching strategies The main schemes’ assets are invested in a diversified portfolio, consisting primarily of debt securities. The investment strategy is not static and will evolve to reflect the structure of liabilities within the schemes. Specific asset-liability matching strategies for each pension plan are independently determined by the responsible governance body for each scheme and in consultation with the employer. A significant goal of the asset-liability matching strategies adopted by Group schemes is to reduce volatility caused by changes in market expectations of interest rates and inflation. In the main schemes, this is achieved by investing scheme assets in bonds, primarily fixed interest gilts and index linked gilts, and by entering into interest rate and inflation swap arrangements. These investments are structured to take into account the profile of scheme liabilities, and actively managed to reflect both changing market conditions and changes to the liability profile. On 28 January 2020, the main schemes entered into a £10 billion longevity insurance arrangement to hedge around 20 per cent of the schemes’ exposure to unexpected increases in life expectancy. This arrangement will form part of the schemes’ investment portfolio and will provide income to the schemes in the event that pensions are paid out for longer than expected. The transaction is structured as a pass-through with Scottish Widows as the insurer, and onwards reinsurance to Pacific Life Re Limited. At 31 December 2019 the asset-liability matching strategy mitigated 106 per cent of the liability sensitivity to interest rate movements and 103 per cent of the liability sensitivity to inflation movements. In addition a small amount of interest rate sensitivity arises through holdings of corporate and other debt securities. Maturity profile of defined benefit obligation The following table provides information on the weighted average duration of the defined benefit pension obligations and the distribution and timing of benefit payments: The Group The Bank 2019 Years 2018 2019 Years 2018 Duration of the defined benefit obligation 18 18 16 17 The Group The Bank 2019 £m 2018 2019 £m 2018 Maturity analysis of benefits expected to be paid: Within 12 months 1,274 1,225 892 839 Between 1 and 2 years 1,373 1,299 963 900 Between 2 and 5 years 4,455 4,303 3,086 2,952 Between 5 and 10 years 8,426 8,305 5,673 5,543 Between 10 and 15 years 9,229 9,416 5,962 6,044 Between 15 and 25 years 17,400 18,417 10,603 11,052 Between 25 and 35 years 13,999 15,631 8,044 8,834 Between 35 and 45 years 8,291 9,924 4,266 5,074 In more than 45 years 3,160 4,270 1,208 1,661 MATURITY ANALYSIS METHOD AND ASSUMPTIONS The projected benefit payments are based on the assumptions underlying the assessment of the obligations, including allowance for expected future inflation. They are shown in their undiscounted form and therefore appear large relative to the discounted assessment of the defined benefit obligations recognised in the Group’s balance sheet. They are in respect of benefits that have been accrued prior to the respective year-end date only and make no allowance for any benefits that may have been accrued subsequently. DEFINED CONTRIBUTION SCHEMES The Group operates a number of defined contribution pension schemes in the UK and overseas, principally Your Tomorrow and the defined contribution sections of the Lloyds Bank Pension Scheme No. 1. During the year ended 31 December 2019 the charge to the continuing operations income statement in respect of defined contribution schemes was £273 million (2018: £288 million; 2017: £242 million), representing the contributions payable by the employer in accordance with each scheme’s rules. In addition, in 2018 £3 million (2017: £14 million) was charged within discontinued operations (see note 13). Other post-retirement benefit schemes The Group operates a number of schemes which provide post-retirement healthcare benefits to certain employees, retired employees and their dependants. The principal scheme relates to former Lloyds Bank staff and under this scheme the Group has undertaken to meet the cost of post-retirement healthcare for all eligible former employees (and their dependants) who retired prior to 1 January 1996. The Group has entered into an insurance contract to provide these benefits and a provision has been made for the estimated cost of future insurance premiums payable. For the principal post-retirement healthcare scheme, the latest actuarial valuation of the liability was carried out at 31 December 2019 by qualified independent actuaries. The principal assumptions used were as set out above, except that the rate of increase in healthcare premiums has been assumed at 6.54 per cent (2018: 6.81 per cent). Movements in the other post-retirement benefits obligation: The Group The Bank 2019 £m 2018 2019 2018 At 1 January (124 ) (144 ) (84 ) (103 ) Actuarial gains (6 ) 18 (3 ) 17 Insurance premiums paid 7 5 5 4 Charge for the year (4 ) (4 ) (2 ) (3 ) Exchange and other adjustments 1 1 (1 ) 1 At 31 December (126 ) (124 ) (85 ) (84 )

DEFERRED TAX

DEFERRED TAX	12 Months Ended
	Dec. 31, 2019
Disclosure of deferred taxes [text block] [Abstract]
Disclosure of deferred taxes [text block]	30 DEFERRED TAX The Group’s and the Bank’s deferred tax assets and liabilities are as follows: The Group The Bank 2019 £m 2018 2019 £m 2018 Statutory position Deferred tax assets 3,366 3,222 2,029 1,984 Deferred tax liabilities – – – – Net deferred tax asset 3,366 3,222 2,029 1,984 Tax disclosure Deferred tax assets 4,710 4,738 2,715 2,732 Deferred tax liabilities (1,344 ) (1,516 ) (686 ) (748 ) Net deferred tax asset 3,366 3,222 2,029 1,984 The statutory position reflects the deferred tax assets and liabilities as disclosed in the consolidated balance sheet and takes into account the ability of the Group and the Bank to net assets and liabilities where there is a legally enforceable right of offset. The tax disclosure of deferred tax assets and liabilities ties to the amounts outlined in the tables below which splits the deferred tax assets and liabilities by type, before such netting. As a result of legislation enacted in 2016, the UK corporation tax rate was due to reduce from 19 per cent to 17 per cent on 1 April 2020. The Group measures its deferred tax assets and liabilities at the value expected to be recoverable or payable in future periods, and re-measures them at each reporting date based on the most recent estimates of utilisation or settlement, including the impact of bank surcharge where appropriate. The deferred tax impact of this re-measurement in 2019 is a charge of £25 million in the income statement and a credit of £8 million in other comprehensive income. Within the March 2020 budget, the UK government stated its intention to maintain the corporation tax rate at 19 per cent on 1 April 2020. Had this rate change been substantively enacted at 31 December 2019, the effect would have been to increase net deferred tax assets by £397 million. On 29 October 2018, the UK government announced its intention to restrict the use of capital tax losses to 50 per cent of any future gains arising. Had this restriction been substantively enacted at 31 December 2019, the effect would have been to reduce net deferred tax assets by £10 million for the Group and £nil for the Bank. Movements in deferred tax liabilities and assets (before taking into consideration the offsetting of balances within the same taxing jurisdiction) can be summarised as follows: The Group Deferred tax assets Tax losses Property, Pension Provisions Share-based Derivatives Other Total At 1 January 2018 4,011 715 79 355 35 – 11 5,206 (Charge) credit to the income statement (228 ) (69 ) 92 (21 ) (2 ) – (5 ) (233 ) Credit to other comprehensive income – – (92 ) (138 ) – – – (230 ) Impact of acquisitions and disposals – – – – (5 ) – – (5 ) At 31 December 2018 3,783 646 79 196 28 – 6 4,738 (Charge) credit to the income statement (183 ) 3 (100 ) (87 ) 4 19 126 (218 ) Credit to other comprehensive income – – 74 116 – – – 190 At 31 December 2019 3,600 649 53 225 32 19 132 4,710 Deferred tax liabilities Acquisition Pension Derivatives Asset 1 Other Total At 1 January 2018 (832 ) (181 ) (492 ) (201 ) (94 ) (1,800 ) (Charge) credit to the income statement 134 (67 ) (33 ) (37 ) 1 (2 ) (Charge) credit to other comprehensive income – (25 ) 137 137 – 249 Impact of acquisitions and disposals – – – – 34 34 Exchange and other adjustments – – – – 3 3 At 31 December 2018 (698 ) (273 ) (388 ) (101 ) (56 ) (1,516 ) (Charge) credit to the income statement 215 59 (34 ) (21 ) (53 ) 166 (Charge) credit to other comprehensive income – 64 (140 ) 84 – 8 Exchange and other adjustments – – – – (2 ) (2 ) At 31 December 2019 (483 ) (150 ) (562 ) (38 ) (111 ) (1,344 ) 1 Financial assets at fair value through other comprehensive income. The Bank Tax losses Property, plant Pension Provisions Share-based Other Total At 1 January 2018 2,433 404 40 198 25 5 3,105 (Charge) credit to the income statement (149 ) (60 ) 60 (7 ) (5 ) (4 ) (165 ) Credit to other comprehensive income – – (70 ) (138 ) – – (208 ) At 31 December 2018 2,284 344 30 53 20 1 2,732 (Charge) credit to the income statement (86 ) (20 ) (57 ) (41 ) (1 ) 12 (193 ) Charge to other comprehensive income – – 60 116 – – 176 At 31 December 2019 2,198 324 33 128 19 13 2,715 Deferred tax liabilities Pension Derivatives Asset 1 Other Total At 1 January 2018 (175 ) (518 ) (203 ) (63 ) (959 ) (Charge) credit to the income statement (45 ) – (14 ) 32 (27 ) (Charge) credit to other comprehensive income 44 87 114 – 245 Exchange and other adjustments – – – (7 ) (7 ) At 31 December 2018 (176 ) (431 ) (103 ) (38 ) (748 ) (Charge) credit to the income statement 59 – (19 ) 17 57 Credit to other comprehensive income 20 (105 ) 86 (1 ) – Exchange and other adjustments – – – 5 5 At 31 December 2019 (97 ) (536 ) (36 ) (17 ) (686 ) 1 Financial assets at fair value through other comprehensive income. Deferred tax not recognised No deferred tax has been recognised in respect of foreign trade losses where it is not more likely than not that we will be able to utilise them in future periods. Of the asset not recognised, £35 million for the Group and £nil for the Bank (2018: £36 million for the Group and £nil for the Bank) relates to losses that will expire if not used within 20 years, and £45 million for the Group and £5 million for the Bank (2018: £52 million for the Group and £7 million for the Bank) relates to losses with no expiry date. Deferred tax assets of approximately £111 million (2018: £121 million) for the Group and £84 million (2018: £98 million) for the Bank have not been recognised in respect of £650 million for the Group and £497 million for the Bank of UK tax losses and other temporary differences which can only be used to offset future capital gains. UK capital losses can be carried forward indefinitely. In addition, no deferred tax asset is recognised in respect of unrelieved foreign tax credits of £46 million (2018: £46 million) for the Group and £7 million (2018: £7 million) for the Bank, as there are no expected future taxable profits against which the credits can be utilised. These credits can be carried forward indefinitely. As a result of parent company exemptions on dividends from subsidiaries and on capital gains on disposal there are no significant taxable temporary differences associated with investments in subsidiaries, branches, associates and joint arrangements.

OTHER PROVISIONS

OTHER PROVISIONS	12 Months Ended
	Dec. 31, 2019
Disclosure of other provisions [text block] [Abstract]
Disclosure of other provisions [text block]	31 OTHER PROVISIONS Provisions Payment Other regulatory Other Total The Group £m £m £m £m £m At 31 December 2018 190 2,201 707 927 4,025 Adjustment on adoption of IFRS 16 (note 49) (97 ) (97 ) Balance at 1 January 2019 830 3,928 Exchange and other adjustments – 335 – (5 ) 330 Provisions applied – (2,457 ) (707 ) (445 ) (3,609 ) Charge for the year (17 ) 1,795 395 316 2,489 At 31 December 2019 173 1,874 395 696 3,138 Provisions Payment Other regulatory Other Total The Bank £m £m £m £m £m At 31 December 2018 76 919 253 671 1,919 Adjustment on adoption of IFRS 16 (note 49) (67 ) (67 ) Balance at 1 January 2019 604 1,852 Exchange and other adjustments – – – 2 2 Provisions applied – (1,156 ) (229 ) (303 ) (1,688 ) Charge for the year 14 859 137 260 1,270 At 31 December 2019 90 622 161 563 1,436 Provisions for financial commitments and guarantees Provisions are recognised for expected credit losses on undrawn loan commitments and financial guarantees. See also note 18. Payment protection insurance (excluding MBNA) The Lloyds Bank Group increased the provision for PPI costs by a further £1,795 million in the year ended 31 December 2019, bringing the total amount provided to £21,821 million. The charge in 2019 was largely due to the significant increase in PPI information requests (PIRs) leading up to the deadline for submission of claims on 29 August 2019, and also reflects costs relating to complaints received from the Official Receiver as well as administration costs. An initial review of around 60 per cent of the five million PIRs received in the run-up to the PPI deadline has been undertaken, with the conversion rate remaining low, and consistent with the provision assumption of around 10 per cent. The Lloyds Banking Group has reached final agreement with the Official Receiver. At 31 December 2019, a provision of £1,572 million remained unutilised relating to complaints and associated administration costs excluding amounts relating to MBNA. Total cash payments were £2,197 million during the year ended to 31 December 2019. Sensitivities The total amount provided for PPI represents the Lloyds Bank Group’s best estimate of the likely future cost. A number of risks and uncertainties remain including processing the remaining PIRs and outstanding complaints. The cost could differ from the Lloyds Bank Group’s estimates and the assumptions underpinning them, and could result in a further provision being required. These may also be impacted by any further regulatory changes and potential additional remediation arising from the continuous improvement of the Lloyds Bank Group’s operational practices. For every one per cent increase in PIR conversion rate on the stock as at the industry deadline, the Lloyds Bank Group would expect an additional charge of approximately £100 million. Payment protection insurance (MBNA) MBNA increased its PPI provision by £335 million in the year ended 31 December 2019 but the Lloyds Bank Group’s exposure continues to remain capped at £240 million under the terms of the sale and purchase agreement. Other provisions for legal actions and regulatory matters In the course of its business, the Lloyds Bank Group is engaged in discussions with the PRA, FCA and other UK and overseas regulators and other governmental authorities on a range of matters. The Lloyds Bank Group also receives complaints in connection with its past conduct and claims brought by or on behalf of current and former employees, customers, investors and other third parties and is subject to legal proceedings and other legal actions. Where significant, provisions are held against the costs expected to be incurred in relation to these matters and matters arising from related internal reviews. During the year ended 31 December 2019 the Lloyds Bank Group charged a further £395 million in respect of legal actions and other regulatory matters, and the unutilised balance at 31 December 2019 was £395 million (31 December 2018: £707 million). The most significant items are as follows. Arrears handling related activities The Lloyds Bank Group has provided an additional £188 million in the year ended 31 December 2019 for the costs of identifying and rectifying certain arrears management fees and activities, taking the total provided to date to £981 million. The Lloyds Bank Group has put in place a number of actions to improve its handling of customers in these areas and has made good progress in reimbursing arrears fees to impacted customers. Packaged bank accounts The Lloyds Bank Group had provided a total of £795 million up to 31 December 2018 in respect of complaints relating to alleged mis-selling of packaged bank accounts, with no further amounts provided during the year ended 31 December 2019. A number of risks and uncertainties remain, particularly with respect to future volumes. HBOS Reading – customer review The Lloyds Bank Group has now completed its compensation assessment for all 71 business customers within the customer review, with more than 98 per cent of these offers to individuals accepted. In total, more than £100 million in compensation has been offered to victims of the HBOS Reading fraud prior to the publication of Sir Ross Cranston’s independent quality assurance review of the customer review, of which £94 million has so far been accepted, in addition to £9 million for ex-gratia payments and £6 million for the re-imbursements of legal fees. Sir Ross’s review was concluded on 10 December 2019 and made a number of recommendations, including a re-assessment of direct and consequential losses by an independent panel. The Lloyds Bank Group has committed to implementing Sir Ross’s recommendations in full. In addition, further ex gratia payments of £35,000 have been made to 200 individuals in recognition of the additional delay which will be caused whilst the Lloyds Bank Group takes steps to implement Sir Ross’s recommendations. It is not possible to estimate at this stage what the financial impact will be. HBOS Reading – FCA investigation The FCA’s investigation into the events surrounding the discovery of misconduct within the Reading-based Impaired Assets team of HBOS has concluded. The Lloyds Banking Group has settled the matter with the FCA and paid a fine of £45.5 million, as per the FCA’s final notice dated 21 June 2019. Other Following the sale of TSB Banking Group plc, the Lloyds Bank Group raised a provision of £665 million in relation to various ongoing commitments; £117 million of this provision remained unutilised at 31 December 2019. Provisions are made for staff and other costs related to Lloyds Bank Group restructuring initiatives at the point at which the Lloyds Bank Group becomes committed to the expenditure. At 31 December 2019 provisions of £114 million (31 December 2018: £179 million) were held. The Lloyds Bank Group carries provisions of £118 million (2018: £122 million) for indemnities and other matters relating to legacy business disposals in prior years.

SUBORDINATED LIABILITIES

SUBORDINATED LIABILITIES	12 Months Ended
	Dec. 31, 2019
Disclosure of subordinated liabilities [text block] [Abstract]
Disclosure of subordinated liabilities [text block]	32 SUBORDINATED LIABILITIES The movement in subordinated liabilities during the year was as follows: Preferred Undated Dated Total The Group £m £m £m £m At 1 January 2018 3,721 504 10,557 14,782 Issued during the year: Floating Rate Subordinated Callable Notes 2028 – – 201 201 Repurchases and redemptions during the year 1 6.461% Guaranteed Non-voting Non-cumulative Perpetual Preferred Securities (600 ) – – (600 ) Undated Perpetual Preferred Securities (14 ) – – (14 ) 10.5% Subordinated Bonds callable 2018 – – (150 ) (150 ) 6.75% Subordinated Fixed Rate Notes callable 2018 – – (1,492 ) (1,492 ) (614 ) – (1,642 ) (2,256 ) Foreign exchange movements 108 20 247 375 Other movements (all non-cash) (5 ) 5 (357 ) (357 ) At 31 December 2018 3,210 529 9,006 12,745 Issued during the year: 4.1378% Dated Subordinated Notes due 2026 – – 492 492 2.68229% Dated Subordinated Notes due 2038 – – 70 70 2.0367% Dated Subordinated Notes due 2028 – – 218 218 – – 780 780 Repurchases and redemptions during the year 1 13% Step-up Perpetual Capital Securities callable 2019 (49 ) – – (49 ) 10.375% Subordinated Fixed to Fixed Rate Notes 2024 callable 2019 – – (135 ) (135 ) 9.375% Subordinated Bonds 2021 – – (328 ) (328 ) 6.375% Subordinated Instruments 2019 – – (250 ) (250 ) (49 ) – (713 ) (762 ) Foreign exchange movements (83 ) (36 ) (276 ) (395 ) Other movements (all non-cash) 189 23 6 218 At 31 December 2019 3,267 516 8,803 12,586 1 The repurchases and redemptions in the year resulted in cash outflows of £762 million (2018: £2,256 million). Preferred Undated Dated Total The Bank £m £m £m £m At 1 January 2018 2,251 418 6,672 9,341 Foreign exchange movements 88 19 203 310 Other movements (all non-cash) (27 ) – (96 ) (123 ) At 31 December 2018 2,312 437 6,779 9,528 Issued in the year: 4.1378% Dated Subordinated Notes due 2026 – – 492 492 2.68229% Dated Subordinated Notes due 2038 – – 70 70 2.0367% Dated Subordinated Notes due 2028 – – 218 218 – – 780 780 Repurchases and redemptions during the year 1 13% Step-up Perpetual Capital Securities callable 2019 (49 ) – – (49 ) 10.375% Subordinated Fixed to Fixed Rate Notes 2024 callable 2019 – – (135 ) (135 ) (49 ) – (135 ) (184 ) Foreign exchange movements (57 ) (12 ) (206 ) (275 ) Other movements (all non-cash) 28 – 32 60 At 31 December 2019 2,234 425 7,250 9,909 1 The repurchases and redemptions in 2019 resulted in cash outflows of £184 million. These securities will, in the event of the winding-up of the issuer, be subordinated to the claims of the depositors and all other creditors of the issuer, other than creditors whose claims rank equally with, or are junior to, the claims of the holders of the subordinated liabilities. The subordination of the specific subordinated liabilities is determined in respect of the issuer and any guarantors of that liability. The claims of holders of preference shares and preferred securities are generally junior to those of the holders of undated subordinated liabilities, which in turn are junior to the claims of the holders of the dated subordinated liabilities. Neither the Group nor the Bank has had any defaults of principal, interest or other breaches with respect to its subordinated liabilities during the year (2018: none).

SHARE CAPITAL

SHARE CAPITAL	12 Months Ended
	Dec. 31, 2019
Disclosure of classes of share capital [text block] [Abstract]
Disclosure of classes of share capital [text block]	33 SHARE CAPITAL (1) Authorised share capital Group and Bank 2019 2018 2017 £m £m £m Sterling 1,650 million ordinary shares of £1 each 1,650 1,650 1,650 1 cumulative floating rate Preference share of £1 – – – 100 6 per cent Non-Cumulative Redeemable Preference shares of £1 each – – – 175 million Preference shares of 25p each 44 44 44 1,694 1,694 1,694 US dollars US$m US$m US$m 160 million Preference shares of 25 cents each 40 40 40 Euro €m €m €m 160 million Preference shares of 25 cents each 40 40 40 Japanese yen ¥m ¥m ¥m 50 million Preference shares of ¥25 each 1,250 1,250 1,250 (2) Issued and fully paid ordinary shares 2019 2018 2017 2019 2018 2017 Sterling Ordinary shares of £1 each At 1 January and 31 December 1,574,285,751 1,574,285,751 1,574,285,751 1,574 1,574 1,574 Share capital and control There are no limitations on voting rights or restrictions on the transfer of shares in the Bank other than as set out in the articles of association, and certain restrictions which may from time to time be imposed by law and regulations (for example, insider trading laws). Ordinary shares The holders of ordinary shares, who held 100 per cent of the total ordinary share capital at 31 December 2019, are entitled to receive the Bank’s report and accounts, attend, speak and vote at general meetings and appoint proxies to exercise voting rights. Holders of ordinary shares may also receive a dividend (subject to the provisions of the Bank’s articles of association) and on a winding up may share in the assets of the Bank. Issued and fully paid preference shares The Bank has in issue various classes of preference shares which are all classified as liabilities under accounting standards.

SHARE PREMIUM ACCOUNT

SHARE PREMIUM ACCOUNT	12 Months Ended
	Dec. 31, 2019
Disclosure For Share Premium Account Explanatory [Abstract]
Disclosure for share premium account [text block]	34 SHARE PREMIUM ACCOUNT Group and Bank 2019 2018 2017 £m £m £m At 1 January 600 600 – Redemption of preference shares 1 – – 600 At 31 December 600 600 600 1 During the year ended 31 December 2017, the Bank redeemed all of its outstanding 6.369% Fixed/Floating Rate Non-Cumulative Preference Shares Callable 2015 which had been accounted for as subordinated liabilities. On redemption an amount of £600 million was transferred from retained profits to the share premium account.

OTHER RESERVES

OTHER RESERVES	12 Months Ended
	Dec. 31, 2019
Disclosure of reserves within equity [text block] [Abstract]
Disclosure of reserves within equity [text block]	35 OTHER RESERVES The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Other reserves comprise: Merger reserve 6,348 6,348 6,348 – – – Revaluation reserve in respect of debt securities held at fair value through other comprehensive income (538 ) (379 ) 103 281 Revaluation reserve in respect of equity shares held at fair value through other comprehensive income – – – – Revaluation reserve in respect of available-for-sale financial assets (8 ) 611 Cash flow hedging reserve 1,556 1,110 1,573 1,607 1,268 1,554 Foreign currency translation reserve (116 ) (114 ) (207 ) – (6 ) 76 At 31 December 7,250 6,965 7,706 1,710 1,543 2,241 Movements in other reserves were as follows: The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Merger reserve At 1 January and 31 December 6,348 6,348 6,348 – – – The Group The Bank 2019 2018 2019 2018 £m £m £m £m Revaluation reserve in respect of debt securities held at fair value through other comprehensive income At 1 January (379 ) (195 ) 281 483 Change in fair value (34 ) (31 ) (50 ) (58 ) Deferred tax 11 31 13 34 (23 ) – (37 ) (24 ) Income statement transfers in respect of disposals (note 8) (196 ) (268 ) (201 ) (258 ) Deferred tax 61 84 61 80 (135 ) (184 ) (140 ) (178 ) Impairment recognised in the income statement (1 ) – (1 ) – At 31 December (538 ) (379 ) 103 281 The Group The Bank 2019 2018 2019 2018 £m £m £m £m Revaluation reserve in respect of equity shares held at fair value through other comprehensive income At 1 January – (35 ) – (42 ) Change in fair value – (98 ) – (102 ) Deferred tax 12 22 12 – Current tax – – – – 12 (76 ) 12 (102 ) Realised gains and losses transferred to retained profits Disposals – 132 – 144 Deferred tax (12 ) (21 ) (12 ) – Current tax – – – – (12 ) 111 (12 ) 144 At 31 December – – – – The Group The Bank 2017 2017 £m £m Revaluation reserve in respect of available-for-sale financial assets At 1 January 2017 92 667 Change in fair value of available-for-sale financial assets 294 231 Deferred tax (25 ) (39 ) Current tax (4 ) – 265 192 Income statement transfers: Disposals (note 8) (464 ) (333 ) Deferred tax 93 85 Current tax – – (371 ) (248 ) Impairment 6 – Deferred tax – – 6 – At 31 December 2017 (8 ) 611 The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Cash flow hedging reserve At 1 January 1,110 1,573 2,224 1,268 1,554 1,845 Change in fair value of hedging derivatives 1,166 91 (271 ) 892 255 15 Deferred tax (290 ) (43 ) 103 (217 ) (72 ) 21 876 48 (168 ) 675 183 36 Income statement transfers (580 ) (691 ) (644 ) (448 ) (628 ) (436 ) Deferred tax 150 180 161 112 159 109 (430 ) (511 ) (483 ) (336 ) (469 ) (327 ) At 31 December 1,556 1,110 1,573 1,607 1,268 1,554 The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Foreign currency translation reserve At 1 January (114 ) (207 ) (180 ) (6 ) 76 81 Currency translation differences arising in the year (2 ) (15 ) (16 ) 6 2 2 Foreign currency losses on net investment hedges (tax: £nil) – – (11 ) – – (7 ) Transfers to income statement – 108 – – (84 ) – At 31 December (116 ) (114 ) (207 ) – (6 ) 76

RETAINED PROFITS

RETAINED PROFITS	12 Months Ended
	Dec. 31, 2019
Disclosure of Retained Profits [Abstract]
Disclosure of Retained Profits [Text Block]	36 RETAINED PROFITS The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m At 31 December 2017 37,718 53,145 Adjustment on adoption of IFRS 9 and IFRS 15 (969 ) (302 ) At 1 January 27,321 36,749 36,231 45,051 52,843 50,390 Profit for the year (see below for the Bank) 1 2,796 4,182 4,213 2,446 6,141 5,353 Capital transactions with parent Dividends paid (note 38) (4,100 ) (11,022 ) (2,650 ) (4,100 ) (11,022 ) (2,650 ) Capital repayments – (2,975 ) – – (2,975 ) – Capital contributions received 229 265 432 229 265 432 Return of capital contributions (5 ) (9 ) (77 ) (5 ) (9 ) (77 ) (3,876 ) (13,741 ) (2,295 ) (3,876 ) (13,741 ) (2,295 ) Distributions on other equity instruments 1 (281 ) (275 ) (273 ) (281 ) (275 ) (273 ) Realised gains and losses on equity shares held at fair value through other comprehensive income 12 (111 ) 12 (144 ) Redemption of preference shares (note 34) – – (600 ) – (600 ) Post-retirement defined benefit scheme remeasurements (1,117 ) 120 482 (576 ) (162 ) 332 Share of other comprehensive income of associates and joint ventures – 8 – – – – Gains and losses attributable to own credit risk (net of tax) 2 (306 ) 389 (40 ) (306 ) 389 (40 ) Adjustment on vesting of businesses – – – – – 278 At 31 December 24,549 27,321 37,718 42,470 45,051 53,145 1 Restated, see note 1. 2 During 2017 the Group and the Bank derecognised, on redemption, financial liabilities on which cumulative fair value movements relating to own credit of £3 million, net of tax, had been recognised directly in retained profits (2018 and 2019: £nil). The profit after tax of the Bank was arrived at as follows: 2019 2018 1 2017 1 £m £m £m Net interest income 5,684 6,129 5,829 Net fee and commission income 743 839 969 Net trading income (121 ) 456 (51 ) Dividends received 1,331 4,848 4,378 Other operating income 2,290 1,933 2,346 Other income 4,243 8,076 7,642 Total income 9,927 14,205 13,471 Regulatory provisions (996 ) (939 ) (1,123 ) Other operating expenses (5,337 ) (5,864 ) (6,078 ) Total operating expenses (6,333 ) (6,803 ) (7,201 ) Trading surplus 3,594 7,402 6,270 Impairment (503 ) (504 ) (462 ) Profit before tax 3,091 6,898 5,808 Tax expense (645 ) (757 ) (455 ) Profit for the year 2,446 6,141 5,353 1 Restated, see note 1.

OTHER EQUITY INSTRUMENTS

OTHER EQUITY INSTRUMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure Of Other Equity Instruments Explanatory [Abstract]
Disclosure of Other Equity Instruments [text block]	37 OTHER EQUITY INSTRUMENTS The Group and Bank 2019 2018 2017 £m £m £m At 1 January 3,217 3,217 3,217 Issued in the year: £500 million Fixed Rate Reset Additional Tier 1 496 – – US$1,500 million Fixed Rate Reset Additional Tier 1 1,152 – – 1,648 – – At 31 December 4,865 3,217 3,217 The Bank has in issue £4,865 million of Sterling, Dollar and Euro Additional Tier 1 (AT1) securities to Lloyds Banking Group plc. The AT1 securities are fixed rate resetting or floating rate Perpetual Subordinated Permanent Write-Down Securities with no fixed maturity or redemption date. The principal terms of the AT1 securities are described below: – The securities rank behind the claims against the Bank of unsubordinated creditors on a Winding-Up. – The fixed rate reset securities bear a fixed rate of interest until the first call date. After the initial call date, in the event that they are not redeemed, the fixed rate reset AT1 securities will bear interest at rates fixed periodically in advance. The floating rate AT1 securities will be reset quarterly both prior to and following the first call date. – Interest on the securities will be due and payable only at the sole discretion of the Bank and the Bank may at any time elect to cancel any Interest Payment (or any part thereof) which would otherwise be payable on any Interest Payment Date. There are also certain restrictions on the payment of interest as specified in the terms. – The securities are undated and are repayable, at the option of the Bank, in whole at the first call date, or at any Interest Payment date thereafter. In addition, the AT1 securities are repayable, at the option of the Bank, in whole for certain regulatory or tax reasons. Any repayments require the prior consent of the Prudential Regulation Authority. – The securities will be subject to a Permanent Write Down should the fully Loaded Common Equity Tier 1 ratio of the Bank fall below 7.0 per cent.

DIVIDENDS ON ORDINARY SHARES

DIVIDENDS ON ORDINARY SHARES	12 Months Ended
	Dec. 31, 2019
Disclosure of dividends [text block] [Abstract]
Disclosure of dividends [text block]	38 DIVIDENDS ON ORDINARY SHARES 2019 2018 2017 £m £m £m Dividends paid in the year were as follows: Interim dividends 4,100 11,022 2,650

SHARE-BASED PAYMENTS

SHARE-BASED PAYMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure of share-based payment arrangements [text block] [Abstract]
Disclosure of share-based payment arrangements [text block]	39 SHARE-BASED PAYMENTS During the year ended 31 December 2019 Lloyds Banking Group pic operated a number of share-based payment schemes for which employees of the Lloyds Bank Group were eligible and all of which are equity settled. Details of all schemes operated by Lloyds Banking Group are set out below; these are managed and operated on a Lloyds Banking Group-wide basis. The amount charged to the Group’s income statement in respect of Lloyds Banking Group share-based payment schemes, and which is included within staff costs (note 9), was £337 million (2018: £417 million; 2017: £414 million) with a further £6 million in 2018 (2017: £23 million) included within discontinued operations (see note 13). During the year ended 31 December 2019 the Lloyds Banking Group operated the following share-based payment schemes, all of which are equity settled. Group Performance Share plan The Group operates a Group Performance Share plan that is equity settled. Bonuses in respect of employee performance in 2019 have been recognised in the charge in line with the proportion of the deferral period completed. Save-As-You-Earn schemes Eligible employees may enter into contracts through the Save-As-You-Earn (SAYE) schemes to save up to £500 per month and, at the expiry of a fixed term of three years, have the option to use these savings within six months of the expiry of the fixed term to acquire shares in the Group at a discounted price of no less than 80 per cent of the market price at the start of the invitation. Movements in the number of share options outstanding under the SAYE schemes are set out below: 2019 2018 Weighted Weighted average average Number of exercise price Number of exercise price options (pence ) options (pence ) Outstanding at 1 January 802,994,918 49.30 860,867,088 51.34 Granted 487,654,212 39.87 188,866,162 47.92 Exercised (27,303,963 ) 51.23 (135,721,404 ) 59.00 Forfeited (15,830,204 ) 48.69 (22,909,999 ) 49.85 Cancelled (130,068,149 ) 49.03 (78,073,042 ) 50.66 Expired (49,352,741 ) 58.74 (10,033,887 ) 55.20 Outstanding at 31 December 1,068,094,073 44.55 802,994,918 49.30 Exercisable at 31 December 227,139 60.70 68,378 60.02 The weighted average share price at the time that the options were exercised during 2019 was £0.59 (2018: £0.67). The weighted average remaining contractual life of options outstanding at the end of the year was 2.22 years (2018: 2.16 years). The weighted average fair value of SAYE options granted during 2019 was £0.10 (2018: £0.13). The fair values of the SAYE options have been determined using a standard Black-Scholes model. Other share option plans Lloyds Banking Group Executive Share Plan 2003 The Plan was adopted in December 2003 and under the Plan share options may be granted to senior employees. Options under this plan have been granted specifically to facilitate recruitment (to compensate new recruits for any lost share awards), and also to make grants to key individuals for retention purposes. In some instances, grants may be made subject to individual performance conditions. Participants are not entitled to any dividends paid during the vesting period. 2019 2018 Number of Weighted ) Number of Weighted ) Outstanding at 1 January 10,263,028 Nil 14,523,989 Nil Granted 2,336,171 Nil 3,914,599 Nil Exercised (4,455,481 ) Nil (6,854,043 ) Nil Vested (69,005 ) Nil (148,109 ) Nil Forfeited (39,250 ) Nil (662,985 ) Nil Lapsed (400,825 ) Nil (510,423 ) Nil Outstanding at 31 December 7,634,638 Nil 10,263,028 Nil Exercisable at 31 December 2,683,267 Nil 3,305,442 Nil The weighted average fair value of options granted in the year was £0.59 (2018: £0.55). The fair values of options granted have been determined using a standard Black-Scholes model. The weighted average share price at the time that the options were exercised during 2019 was £0.60 (2018: £0.65). The weighted average remaining contractual life of options outstanding at the end of the year was 3.8 years (2018: 5.2 years). Other share plans Lloyds Banking Group Executive Share Ownership Plan The plan, introduced in 2006, is aimed at delivering shareholder value by linking the receipt of shares to an improvement in the performance of the Group over a three year period. Awards are made within limits set by the rules of the plan, with the limits determining the maximum number of shares that can be awarded equating to three times annual salary. In exceptional circumstances this may increase to four times annual salary. At the end of the performance period for the 2016 grant, the targets had not been fully met and therefore these awards vested in 2019 at a rate of 68.7 per cent. 2019 2018 Outstanding at 1 January 417,385,636 370,804,915 Granted 174,490,843 160,586,201 Vested (88,318,950 ) (73,270,301 ) Forfeited (55,029,439 ) (48,108,870 ) Dividend award 11,376,655 7,373,691 Outstanding at 31 December 459,904,745 417,385,636 Awards in respect of the 2017 grant vested in 2020 at a rate of 49.7 per cent. For the 2017 grant, participants are entitled to any dividends paid during the vesting period. An amount equal in value to any dividends paid between the award date and the date the Remuneration Committee determine that the performance conditions were met, will be paid, based on the number of shares that vest. The Remuneration Committee can determine if any dividends are to be paid in cash or in shares. Details of the performance conditions for the plan are provided in the Directors’ remuneration report. The weighted average fair value of awards granted in the year was £0.45 (2018: £0.48). CFO Buyout William Chalmers joined the Group on 3 June 2019 and was appointed as Chief Financial Officer on 1 August 2019 on the retirement of George Culmer. He was granted deferred share awards over 4,086,632 shares, to replace unvested awards from his former employer, Morgan Stanley, that were forfeited as a result of him joining the Group. 2019 Outstanding at 1 January – Granted 4,086,632 Exercised (818,172 ) Outstanding at 31 December 3,268,460 The weighted average fair value of awards granted in the year was £0.55. The fair value calculations at 31 December 2019 for grants made in the year, using Black-Scholes models and Monte Carlo simulation, are based on the following assumptions: Save-As-You-Earn Executive LTIP CFO Buyout Weighted average risk-free interest rate 0.36% 0.62% 0.83% 0.64% Weighted average expected life 3.2 years 1.3 years 3.7 years 1.4 years Weighted average expected volatility 20% 23% 27% 19% Weighted average expected dividend yield 4.0% 4.0% 4.0% 4.0% Weighted average share price £0.53 £0.62 £0.63 £0.58 Weighted average exercise price £0.40 Nil Nil Nil Expected volatility is a measure of the amount by which the Group’s shares are expected to fluctuate during the life of an option. The expected volatility is estimated based on the historical volatility of the closing daily share price over the most recent period that is commensurate with the expected life of the option. The historical volatility is compared to the implied volatility generated from market traded options in the Group’s shares to assess the reasonableness of the historical volatility and adjustments made where appropriate. Share Incentive Plan Free Shares An award of shares may be made annually to employees up to a maximum of £3,600. The shares awarded are held in trust for a mandatory period of three years on the employee’s behalf, during which period the employee is entitled to any dividends paid on such shares. The award is subject to a non-market based condition. If an employee leaves the Group within this three year period for other than a ‘good’ reason, all of the shares awarded will be forfeited. On 9 May 2019, the Group made an award of £200 (2018: £200) of shares to all eligible employees. The number of shares awarded was 22,422,337 (2018: 21,513,300), with an average fair value of £0.62 (2018: £0.67) based on the market price at the date of award. Matching shares The Group undertakes to match shares purchased by employees up to the value of £45 per month; these matching shares are held in trust for a mandatory period of three years on the employee’s behalf, during which period the employee is entitled to any dividends paid on such shares. The award is subject to a non-market based condition: if an employee leaves within this three year period for other than a ‘good’ reason, all of the matching shares are forfeited. Similarly if the employees sell their purchased shares within three years, their matching shares are forfeited. The number of shares awarded relating to matching shares in 2019 was 37,346,812 (2018: 34,174,161), with an average fair value of £0.56 (2018: £0.63), based on market prices at the date of award. Fixed share awards Fixed share awards were introduced in 2014 in order to ensure that total fixed remuneration is commensurate with role and to provide a competitive reward package for certain Lloyds Banking Group employees, with an appropriate balance of fixed and variable remuneration, in line with regulatory requirements. The fixed share awards are delivered in Lloyds Banking Group shares, released over five years with 20 per cent being released each year following the year of award. The number of shares purchased in 2019 was 8,239,332 (2018: 8,965,562). The fixed share award is not subject to any performance conditions, performance adjustment or clawback. On an employee leaving the Group, there is no change to the timeline for which shares will become unrestricted.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2019
Disclosure of related party [text block] [Abstract]
Disclosure of related party [text block]	40 RELATED PARTY TRANSACTIONS Key management personnel Key management personnel are those persons having authority and responsibility for planning, directing and controlling the activities of an entity; the Group’s key management personnel are the members of the Lloyds Banking Group plc Group Executive Committee together with its Non-Executive Directors. The table below details, on an aggregated basis, key management personnel compensation: 2019 2018 2017 Compensation Salaries and other short-term benefits 14 13 13 Post-employment benefits – – – Share-based payments 14 17 22 Total compensation 28 30 35 The aggregate of the emoluments of the directors was £11.7 million (2018: £12.2 million; 2017: £14.0 million). Aggregate company contributions in respect of key management personnel to defined contribution pension schemes were £nil (2018: £nil; 2017: £0.05 million). The total for the highest paid director (António Horta-Osório) was £4,078,000 (2018: (António Horta-Osório): £5,472,000; 2017: (António Horta-Osório) £6,469,000); this did not include any gain on exercise of Lloyds Banking Group plc shares in any year. 2019 2018 2017 Share options over Lloyds Banking Group plc shares At 1 January – 1 3 Granted, including certain adjustments (includes entitlements of appointed key management personnel) – – – Exercised/lapsed (includes entitlements of former key management personnel) – (1 ) (2 ) At 31 December – – 1 2019 million 2018 2017 Share plans settled in Lloyds Banking Group plc shares At 1 January 84 82 65 Granted, including certain adjustments (includes entitlements of appointed key management personnel) 46 39 37 Exercised/lapsed (includes entitlements of former key management personnel) (29 ) (37 ) (20 ) At 31 December 101 84 82 The tables below detail, on an aggregated basis, balances outstanding at the year end and related income and expense, together with information relating to other transactions between the Group and its key management personnel: 2019 million 2018 2017 Loans At 1 January 2 2 4 Advanced (includes loans of appointed key management personnel) 1 1 1 Repayments (includes loans of former key management personnel) (1 ) (1 ) (3 ) At 31 December 2 2 2 The loans are on both a secured and unsecured basis and are expected to be settled in cash. The loans attracted interest rates of between 6.45 per cent and 24.20 per cent in 2019 (2018: 6.70 per cent and 24.20 per cent; 2017: 6.45 per cent and 23.95 per cent). No provisions have been recognised in respect of loans given to key management personnel (2018 and 2017: £nil). 2019 million 2018 2017 Deposits At 1 January 20 20 12 Placed (includes deposits of appointed key management personnel) 44 33 41 Withdrawn (includes deposits of former key management personnel) (41 ) (33 ) (33 ) At 31 December 23 20 20 Deposits placed by key management personnel attracted interest rates of up to 3.0 per cent (2018: 3.5 per cent; 2017: 4.0 per cent). At 31 December 2019, the Group did not provide any guarantees in respect of key management personnel (2018 and 2017: none). At 31 December 2019, transactions, arrangements and agreements entered into by the Group and its banking subsidiaries with directors and connected persons included amounts outstanding in respect of loans and credit card transactions of £0.6 million with five directors and two connected persons (2018: £0.5 million with three directors and three connected persons; 2017: £0.01 million with three directors and two connected persons). Balances and transactions with fellow Lloyds Banking Group undertakings BALANCES AND TRANSACTIONS BETWEEN MEMBERS OF THE LLOYDS BANK GROUP In accordance with IFRS10 Consolidated financial statements The Bank, as a result of its position as parent of a banking group, has a large number of transactions with various of its subsidiary undertakings; these are included on the balance sheet of the Bank as follows: 2019 £m 2018 Assets, included within: Derivative financial instruments 8,546 7,385 Financial assets at fair value through profit or loss – 8 Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings 200,696 152,592 209,242 159,985 Liabilities, included within: Due to fellow Lloyds Banking Group undertakings 105,075 71,696 Financial liabilities at fair value through profit or loss 43 142 Derivative financial instruments 7,102 6,335 Debt securities in issue – 124 Subordinated liabilities – 58 112,220 78,355 Due to the size and volume of transactions passing through these accounts, it is neither practical nor meaningful to disclose information on gross inflows and outflows. During 2019 the Bank earned interest income on the above asset balances of £2,491 million (2018: £2,305 million; 2017: £2,002 million. Adjusted to align with balance sheet presentation) and incurred interest expense on the above liability balances of £655 million (2018: £545 million; 2017: £649 million. Adjusted to align with balance sheet presentation). In addition, the Bank raised recharges of £1,461 million (2018: £1,315 million; 2017: £1,287 million) on its subsidiaries in respect of costs incurred and also received fees of £62 million (2018: £146 million; 2017: £147 million), and paid fees of £57 million (2018: £151 million; 2017: £116 million), for various services provided between the Bank and its subsidiaries. Details of contingent liabilities and commitments entered into on behalf of fellow Lloyds Banking Group undertakings are given in note 41. BALANCES AND TRANSACTIONS WITH LLOYDS BANKING GROUP PLC AND FELLOW SUBSIDIARIES OF THE BANK The Bank and its subsidiaries have balances due to and from the Bank’s parent company, Lloyds Banking Group plc and fellow subsidiaries of the Bank. These are included on the balance sheet as follows: The Group The Bank 2019 2018 2019 2018 £m £m £m £m Assets, included within: Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings 1,854 1,878 1,581 993 Financial assets at fair value through profit or loss – 1,062 – 1,062 Derivative financial instruments 591 2,589 591 2,558 2,445 5,529 2,172 4,613 Liabilities, included within: Due to fellow Lloyds Banking Group undertakings 4,893 19,663 4,696 16,687 Financial liabilities at fair value through profit or loss 1 137 1 137 Derivative financial instruments 1,986 2,693 1,547 2,184 Debt securities in issue 11,181 193 11,136 7 Subordinated liabilities 3,663 2,985 3,641 2,900 21,724 25,671 21,021 21,915 These balances include Lloyds Banking Group plc’s banking arrangements and, due to the size and volume of transactions passing through these accounts, it is neither practical nor meaningful to disclose information on gross inflows and outflows. During 2019 the Group earned £20 million and the Bank earned £20 million interest income on the above asset balances (2018: Group £166 million, Bank £142 million; 2017: Group £62 million, Bank £20 million); the Group incurred £520 million and the Bank incurred £509 million interest expense on the above liability balances (2018: Group £370 million, Bank £334 million; 2017: Group £255 million, Bank £207 million). During the year ended 31 December 2019 the Bank realised a profit of £107 million on the sale of certain wealth management business to a fellow Lloyds Banking Group subsidiary and also incurred a charge of £70 million in relation to an onerous contract for the ongoing servicing of the wealth management business transferred. Other related party transactions PENSION FUNDS The Group provides banking services to certain of its pension funds. At 31 December 2019, customer deposits of £169 million (2018: £225 million) related to the Group’s pension funds. JOINT VENTURES AND ASSOCIATES At 31 December 2019 there were loans and advances to customers of £75 million (2018: £57 million) outstanding and balances within customer deposits of £5 million (2018: £2 million) relating to joint ventures and associates.

CONTINGENT LIABILITIES AND COMM

CONTINGENT LIABILITIES AND COMMITMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure of commitments and contingent liabilities [text block] [Abstract]
Disclosure of commitments and contingent liabilities [text block]	41 CONTINGENT LIABILITIES, COMMITMENTS AND GUARANTEES Interchange fees With respect to multi-lateral interchange fees (MIFs), the Lloyds Banking Group is not involved in the ongoing litigation (as described below) which involves card schemes such as Visa and Mastercard. However, the Lloyds Bank Group is a member/licensee of Visa and Mastercard and other card schemes. The litigation in question is as follows: – litigation brought by retailers against both Visa and Mastercard continues in the English Courts (and includes appeals heard by the Supreme Court, judgment awaited); and – litigation brought on behalf of UK consumers in the English Courts against Mastercard. Any impact on the Lloyds Bank Group of the litigation against Visa and Mastercard remains uncertain at this time. Insofar as Visa is required to pay damages to retailers for interchange fees set prior to June 2016, contractual arrangements to allocate liability have been agreed between various UK banks (including the Lloyds Banking Group) and Visa Inc, as part of Visa Inc’s acquisition of Visa Europe in 2016. These arrangements cap the maximum amount of liability to which the Lloyds Banking Group may be subject, and this cap is set at the cash consideration received by the Lloyds Banking Group for the sale of its stake in Visa Europe to Visa Inc in 2016. LIBOR and other trading rates In July 2014, the Lloyds Banking Group announced that it had reached settlements totalling £217 million (at 30 June 2014 exchange rates) to resolve with UK and US federal authorities legacy issues regarding the manipulation several years ago of Lloyds Banking Group companies’ submissions to the British Bankers’ Association (BBA) London Interbank Offered Rate (LIBOR) and Sterling Repo Rate. The Swiss Competition Commission concluded its investigation against Lloyds Bank plc in June 2019. The Lloyds Banking Group continues to cooperate with various other government and regulatory authorities, including a number of US State Attorneys General, in conjunction with their investigations into submissions made by panel members to the bodies that set LIBOR and various other interbank offered rates. Certain Lloyds Banking Group companies, together with other panel banks, have also been named as defendants in private lawsuits, including purported class action suits, in the US in connection with their roles as panel banks contributing to the setting of US Dollar, Japanese Yen and Sterling LIBOR and the Australian BBSW Reference Rate. Certain of the plaintiffs’ claims have been dismissed by the US Federal Court for Southern District of New York (subject to appeals). Certain Lloyds Banking Group companies are also named as defendants in (i) UK based claims; and (ii) two Dutch class actions, raising LIBOR manipulation allegations. A number of the claims against the Lloyds Banking Group in relation to the alleged mis-sale of interest rate hedging products also include allegations of LIBOR manipulation. It is currently not possible to predict the scope and ultimate outcome on the Lloyds Banking Group of the various outstanding regulatory investigations not encompassed by the settlements, any private lawsuits or any related challenges to the interpretation or validity of any of the Lloyds Banking Group’s contractual arrangements, including their timing and scale. Tax authorities The Lloyds Banking Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In 2013 HMRC informed the Lloyds Banking Group that their interpretation of the UK rules which allow the offset of such losses denies the claim for group relief of losses. If HMRC’s position is found to be correct, management estimate that this would result in an increase in current tax liabilities of approximately £700 million (including interest) and a reduction in deferred tax assets of approximately £250 million. The Lloyds Banking Group does not agree with HMRC’s position and, having taken appropriate advice, does not consider that this is a case where additional tax will ultimately fall due. There are a number of other open matters on which the Lloyds Bank Group is in discussion with HMRC (including the tax treatment of certain costs arising from the divestment of TSB Banking Group plc), none of which is expected to have a material impact on the financial position of the Lloyds Bank Group. Mortgage arrears handling activities – FCA investigation On 26 May 2016, the Lloyds Banking Group was informed that an enforcement team at the FCA had commenced an investigation in connection with the Lloyds Banking Group’s mortgage arrears handling activities. It is not currently possible to make a reliable assessment of any liability resulting from the investigation including any financial penalty. Other legal actions and regulatory matters In addition, during the ordinary course of business the Lloyds Bank Group is subject to other complaints and threatened or actual legal proceedings (including class or group action claims) brought by or on behalf of current or former employees, customers, investors or other third parties, as well as legal and regulatory reviews, challenges, investigations and enforcement actions, both in the UK and overseas. All such material matters are periodically reassessed, with the assistance of external professional advisers where appropriate, to determine the likelihood of the Lloyds Bank Group incurring a liability. In those instances where it is concluded that it is more likely than not that a payment will be made, a provision is established to management’s best estimate of the amount required at the relevant balance sheet date. In some cases it will not be possible to form a view, for example because the facts are unclear or because further time is needed properly to assess the merits of the case, and no provisions are held in relation to such matters. In these circumstances, specific disclosure in relation to a contingent liability will be made where material. However the Lloyds Bank Group does not currently expect the final outcome of any such case to have a material adverse effect on its financial position, operations or cash flows. Contingent liabilities, commitments and guarantees arising from the banking business The Group The Bank 2019 2018 2019 2018 £m £m £m £m Contingent liabilities Acceptances and endorsements 17 32 16 31 Other: Other items serving as direct credit substitutes 279 485 259 449 Performance bonds and other transaction-related contingencies 2,274 2,270 2,014 2,012 2,553 2,755 2,273 2,461 Total contingent liabilities 2,570 2,787 2,289 2,492 The Bank 2019 2018 £m £m Incurred on behalf of fellow Lloyds Banking Group undertakings 1 – The contingent liabilities of the Group and the Bank arise in the normal course of banking business and it is not practicable to quantify their future financial effect. The Group The Bank 2019 2018 2019 2018 £m £m £m £m Commitments and guarantees Documentary credits and other short-term trade-related transactions – 1 – – Forward asset purchases and forward deposits placed 171 731 157 684 Undrawn formal standby facilities, credit lines and other commitments to lend: Less than 1 year original maturity: Mortgage offers made 12,647 11,573 1,120 1,514 Other commitments and guarantees 78,306 77,995 29,608 31,255 90,953 89,568 30,728 32,769 1 year or over original maturity 25,310 28,214 21,664 24,444 Total commitments and guarantees 116,434 118,514 52,549 57,897 The Bank 2019 2018 £m £m Incurred on behalf of fellow Lloyds Banking Group undertakings 4,647 5,452 Of the amounts shown above in respect of undrawn formal standby facilities, credit lines and other commitments to lend £46,629 million (2018: £48,455 million) for the Group and £27,672 million (2018: £30,420 million) for the Bank were irrevocable. Capital commitments Excluding commitments of the Group in respect of investment property (note 22), capital expenditure contracted but not provided for at 31 December 2019 amounted to £405 million (2018: £370 million) for the Group and £2 million (2018: £1 million) for the Bank. Of this amount for the Group, £400 million (2018: £369 million) relates to assets to be leased to customers under operating leases. The Group’s management is confident that future net revenues and funding will be sufficient to cover these commitments.

STRUCTURED ENTITIES

STRUCTURED ENTITIES	12 Months Ended
	Dec. 31, 2019
Disclosure of unconsolidated structured entities [line items]
Disclosure of information about interests in structured entity [text block]	42 STRUCTURED ENTITIES The Group’s interests in structured entities are consolidated. Details of the Group’s interests in these structured entities are set out in note 27 for securitisations and covered bond vehicles, note 29 for structured entities associated with the Group’s pension schemes, and below. ASSET-BACKED CONDUITS In addition to the structured entities discussed in note 27, which are used for securitisation and covered bond programmes, the Group sponsors an active asset-backed conduit, Cancara, which invests in client receivables and debt securities. The total consolidated exposure of Cancara at 31 December 2019 was £3,735 million (2018: £5,122 million), comprising £3,670 million of loans and advances (2018: £5,012 million) and £65 million of debt securities (2018: £110 million). All lending assets and debt securities held by the Group in Cancara are restricted in use, as they are held by the collateral agent for the benefit of the commercial paper investors and the liquidity providers only. The Group provides liquidity facilities to Cancara under terms that are usual and customary for standard lending activities in the normal course of the Group’s banking activities. During 2019 there have continued to be planned drawdowns on certain liquidity facilities for balance sheet management purposes, supporting the programme to provide funding alongside the proceeds of the asset-backed commercial paper issuance. The Group could be asked to provide support under the contractual terms of these arrangements including, for example, if Cancara experienced a shortfall in external funding, which may occur in the event of market disruption. The external assets in Cancara are consolidated in the Group’s financial statements.

FINANCIAL INSTRUMENTS

FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure of financial instruments [text block] [Abstract]
Disclosure of financial instruments [text block]	43 FINANCIAL INSTRUMENTS (1) Measurement basis of financial assets and liabilities The accounting policies in note 2 describe how different classes of financial instruments are measured, and how income and expenses, including fair value gains and losses, are recognised. The following tables analyse the carrying amounts of the financial assets and liabilities by category and by balance sheet heading. Mandatorily held at At fair value Derivatives fair value through Designated through designated profit or loss at fair value other Held at as hedging Held for through comprehensive amortised instruments trading Other profit or loss income cost Total The Group £m £m £m £m £m £m £m At 31 December 2019 Financial assets Cash and balances at central banks – – – – – 38,880 38,880 Items in the course of collection from banks – – – – – 292 292 Financial assets at fair value through profit or loss – 290 1,994 – – – 2,284 Derivative financial instruments 1,117 7,377 – – – – 8,494 Loans and advances to banks – – – – – 4,852 4,852 Loans and advances to customers – – – – – 474,470 474,470 Debt securities – – – – – 5,325 5,325 Due from fellow Lloyds Banking Group undertakings – – – – – 1,854 1,854 Financial assets at amortised cost – – – – – 486,501 486,501 Financial assets at fair value through other comprehensive income – – – – 24,617 – 24,617 Total financial assets 1,117 7,667 1,994 – 24,617 525,673 561,068 Financial liabilities Deposits from banks – – – – – 23,593 23,593 Customer deposits – – – – – 396,839 396,839 Due to fellow Lloyds Banking Group undertakings – – – – – 4,893 4,893 Items in course of transmission to banks – – – – – 354 354 Financial liabilities at fair value through profit or loss – 171 – 7,531 – – 7,702 Derivative financial instruments 1,029 8,802 – – – – 9,831 Notes in circulation – – – – – 1,079 1,079 Debt securities in issue – – – – – 76,431 76,431 Other liabilities – – – – – 1,755 1,755 Subordinated liabilities – – – – – 12,586 12,586 Total financial liabilities 1,029 8,973 – 7,531 – 517,530 535,063 Mandatorily held at Designated At fair value Derivatives fair value through at fair value through designated profit or loss through other Held at as hedging Held for profit or comprehensive amortised instruments trading Other loss income cost Total The Group £m £m £m £m £m £m £m At 31 December 2018 Financial assets Cash and balances at central banks – – – – – 40,213 40,213 Items in the course of collection from banks – – – – – 645 645 Financial assets at fair value through profit or loss – 19,462 3,794 – – – 23,256 Derivative financial instruments 1,483 9,810 – – – – 11,293 Loans and advances to banks – – – – – 3,692 3,692 Loans and advances to customers – – – – – 464,044 464,044 Debt securities – – – – – 5,095 5,095 Due from fellow Lloyds Banking Group undertakings – – – – – 1,878 1,878 Financial assets at amortised cost – – – – – 474,709 474,709 Financial assets at fair value through other comprehensive income – – – – 24,368 – 24,368 Total financial assets 1,483 29,272 3,794 – 24,368 515,567 574,484 Financial liabilities Deposits from banks – – – – – 26,263 26,263 Customer deposits – – – – – 391,251 391,251 Due to fellow Lloyds Banking Group undertakings – – – – – 19,663 19,663 Items in course of transmission to banks – – – – – 615 615 Financial liabilities at fair value through profit or loss – 10,543 – 7,187 – – 17,730 Derivative financial instruments 1,107 9,804 – – – – 10,911 Notes in circulation – – – – – 1,104 1,104 Debt securities in issue – – – – – 64,533 64,533 Subordinated liabilities – – – – – 12,745 12,745 Total financial liabilities 1,107 20,347 – 7,187 – 516,174 544,815 Mandatorily held at Designated Derivatives fair value through at fair value At fair value designated profit or loss through through other Held at as hedging Held for profit or comprehensive amortised instruments trading Other loss income cost Total The Bank £m £m £m £m £m £m £m At 31 December 2019 Financial assets Cash and balances at central banks – – – – – 35,741 35,741 Items in the course of collection from banks – – – – – 252 252 Financial assets at fair value through profit or loss – 290 413 – – – 703 Derivative financial instruments 207 13,431 – – – – 13,638 Loans and advances to banks – – – – – 4,453 4,453 Loans and advances to customers – – – – – 177,569 177,569 Debt securities – – – – – 5,241 5,241 Due from fellow Lloyds Banking Group undertakings – – – – – 202,277 202,277 Financial assets at amortised cost – – – – – 389,540 389,540 Financial assets at fair value through other comprehensive income – – – – 22,160 – 22,160 Total financial assets 207 13,721 413 – 22,160 425,533 462,034 Financial liabilities Deposits from banks – – – – – 7,122 7,122 Customer deposits – – – – – 239,762 239,762 Due to fellow Lloyds Banking Group undertakings – – – – – 109,771 109,771 Items in course of transmission to banks – – – – – 198 198 Financial liabilities at fair value through profit or loss – 213 – 7,484 – – 7,697 Derivative financial instruments 267 13,944 – – – – 14,211 Debt securities in issue – – – – – 61,509 61,509 Other liabilities – – – – – 975 975 Subordinated liabilities – – – – – 9,909 9,909 Total financial liabilities 267 14,157 – 7,484 – 429,246 451,154 Mandatorily held at Designated Derivatives fair value through at fair value At fair value designated profit or loss through through other Held at as hedging Held for profit or comprehensive amortised instruments trading Other loss income cost Total The Bank £m £m £m £m £m £m £m At 31 December 2018 Financial assets Cash and balances at central banks – – – – – 37,632 37,632 Items in the course of collection from banks – – – – – 464 464 Financial assets at fair value through profit or loss – 19,420 1,423 – – – 20,843 Derivative financial instruments 432 14,999 – – – – 15,431 Loans and advances to banks – – – – – 3,153 3,153 Loans and advances to customers – – – – – 172,315 172,315 Debt securities – – – – – 4,960 4,960 Due from fellow Lloyds Banking Group undertakings – – – – – 153,585 153,585 Financial assets at amortised cost – – – – – 334,013 334,013 Financial assets at fair value through other comprehensive income – – – – 23,208 – 23,208 Total financial assets 432 34,419 1,423 – 23,208 372,109 431,591 Financial liabilities Deposits from banks – – – – – 5,320 5,320 Customer deposits – – – – – 229,402 229,402 Due to fellow Lloyds Banking Group undertakings – – – – – 88,383 88,383 Items in course of transmission to banks – – – – – 341 341 Financial liabilities at fair value through profit or loss – 10,687 – 7,032 – – 17,719 Derivative financial instruments 1,315 13,231 – – – – 14,546 Debt securities in issue – – – – – 49,787 49,787 Subordinated liabilities – – – – – 9,528 9,528 Total financial liabilities 1,315 23,918 – 7,032 – 382,761 415,026 (2) Fair value measurement Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is a measure at a specific date and may be significantly different from the amount which will actually be paid or received on maturity or settlement date. Wherever possible, fair values have been calculated using unadjusted quoted market prices in active markets for identical instruments held by the Group. Where quoted market prices are not available, or are unreliable because of poor liquidity, fair values have been determined using valuation techniques which, to the extent possible, use market observable inputs, but in some cases use non-market observable inputs. Valuation techniques used include discounted cash flow analysis and pricing models and, where appropriate, comparison to instruments with characteristics similar to those of the instruments held by the Group. The Group measures valuation adjustments for its derivative exposures on the same basis as the derivatives are managed. The carrying amount of the following financial instruments is a reasonable approximation of fair value: cash and balances at central banks, items in the course of collection from banks, items in course of transmission to banks and notes in circulation. Because a variety of estimation techniques are employed and significant estimates made, comparisons of fair values between financial institutions may not be meaningful. Readers of these financial statements are thus advised to use caution when using this data to evaluate the Group’s financial position. Fair value information is not provided for items that are not financial instruments or for other assets and liabilities which are not carried at fair value in the Group’s consolidated balance sheet. These items include intangible assets, such as the value of the Group’s branch network, the long-term relationships with depositors and credit card relationships; premises and equipment; and shareholders’ equity. These items are material and accordingly the Group believes that the fair value information presented does not represent the underlying value of the Group. VALUATION CONTROL FRAMEWORK The key elements of the control framework for the valuation of financial instruments include model validation, product implementation review and independent price verification. These functions are carried out by appropriately skilled risk and finance teams, independent of the business area responsible for the products. Model validation covers both qualitative and quantitative elements relating to new models. In respect of new products, a product implementation review is conducted pre- and post-trading. Pre-trade testing ensures that the new model is integrated into the Group’s systems and that the profit and loss and risk reporting are consistent throughout the trade life cycle. Post-trade testing examines the explanatory power of the implemented model, actively monitoring model parameters and comparing in-house pricing to external sources. Independent price verification procedures cover financial instruments carried at fair value. The frequency of the review is matched to the availability of independent data, monthly being the minimum. Valuation differences in breach of established thresholds are escalated to senior management. The results from independent pricing and valuation reserves are reviewed monthly by senior management. Formal committees, consisting of senior risk, finance and business management, meet at least quarterly to discuss and approve valuations in more judgemental areas, in particular for unquoted equities, structured credit, over-the-counter options and the Credit Valuation Adjustment (CVA) reserve. VALUATION OF FINANCIAL ASSETS AND LIABILITIES Assets and liabilities carried at fair value or for which fair values are disclosed have been classified into three levels according to the quality and reliability of information used to determine the fair values. Level 1 Level 1 fair value measurements are those derived from unadjusted quoted prices in active markets for identical assets or liabilities. Products classified as level 1 predominantly comprise equity shares, treasury bills and other government securities. Level 2 Level 2 valuations are those where quoted market prices are not available, for example where the instrument is traded in a market that is not considered to be active or valuation techniques are used to determine fair value and where these techniques use inputs that are based significantly on observable market data. Examples of such financial instruments include most over-the-counter derivatives, financial institution issued securities, certificates of deposit and certain asset-backed securities. Level 3 Level 3 portfolios are those where at least one input which could have a significant effect on the instrument’s valuation is not based on observable market data. Such instruments would include the Group’s venture capital and unlisted equity investments which are valued using various valuation techniques that require significant management judgement in determining appropriate assumptions, including earnings multiples and estimated future cash flows. Certain of the Group’s asset-backed securities and derivatives, principally where there is no trading activity in such securities, are also classified as level 3. Transfers out of the level 3 portfolio arise when inputs that could have a significant impact on the instrument’s valuation become market observable after previously having been non-market observable. In the case of asset-backed securities this can arise if more than one consistent independent source of data becomes available. Conversely transfers into the portfolio arise when consistent sources of data cease to be available. (3) Financial assets and liabilities carried at fair value (A) Financial assets, excluding derivatives VALUATION HIERARCHY At 31 December 2019, the Group’s financial assets carried at fair value, excluding derivatives, totalled £26,901 million (31 December 2018: £47,624 million). The table below analyses these financial assets by balance sheet classification, asset type and valuation methodology (level 1, 2 or 3, as described on page F-94). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year. Valuation hierarchy The Group Level 1 Level 2 Level 3 Total At 31 December 2019 Financial assets at fair value through profit or loss Loans and advances to customers – – 1,782 1,782 Debt securities: Government securities 290 – – 290 Corporate and other debt securities – – 47 47 290 – 47 337 Equity shares 161 4 – 165 Total financial assets at fair value through profit or loss 451 4 1,829 2,284 Financial assets at fair value through other comprehensive income Debt securities: Government securities 12,844 238 – 13,082 Asset-backed securities – – 60 60 Corporate and other debt securities – 11,036 – 11,036 12,844 11,274 60 24,178 Treasury and other bills 439 – – 439 Total financial assets at fair value through other comprehensive income 13,283 11,274 60 24,617 Total financial assets carried at fair value, excluding derivatives 13,734 11,278 1,889 26,901 The Group Level 1 Level 2 Level 3 Total At 31 December 2018 Financial assets at fair value through profit or loss Loans and advances to customers – 17,290 2,721 20,011 Loans and advances to banks – 236 – 236 Debt securities: Government securities 2,293 – – 2,293 Asset-backed securities – 20 – 20 Corporate and other debt securities – 540 – 540 2,293 560 – 2,853 Equity shares 150 6 – 156 Total financial assets at fair value through profit or loss 2,443 18,092 2,721 23,256 Financial assets at fair value through other comprehensive income Debt securities: Government securities 18,847 124 – 18,971 Asset-backed securities – 4 53 57 Corporate and other debt securities – 5,119 – 5,119 18,847 5,247 53 24,147 Treasury and other bills 221 – – 221 Total financial assets at fair value through other comprehensive income 19,068 5,247 53 24,368 Total financial assets carried at fair value, excluding derivatives 21,511 23,339 2,774 47,624 Valuation hierarchy The Bank Level 1 Level 2 Level 3 Total At 31 December 2019 Financial assets at fair value through profit or loss Loans and advances to customers – – 362 362 Debt securities: Government securities 290 – – 290 Corporate and other debt securities – – 47 47 290 – 47 337 Equity shares – 4 – 4 Total financial assets at fair value through profit or loss 290 4 409 703 Financial assets at fair value through other comprehensive income Debt securities: Government securities 12,700 238 – 12,938 Corporate and other debt securities – 8,783 – 8,783 12,700 9,021 – 21,721 Treasury and other bills 439 – – 439 Total financial assets at fair value through other comprehensive income 13,139 9,021 – 22,160 Total financial assets carried at fair value, excluding derivatives 13,429 9,025 409 22,863 Valuation hierarchy The Bank Level 1 Level 2 Level 3 Total At 31 December 2018 Financial assets at fair value through profit or loss Loans and advances to customers – 16,900 890 17,790 Loans and advances to banks – 236 – 236 Debt securities: Government securities 2,293 – – 2,293 Corporate and other debt securities – 518 – 518 2,293 518 – 2,811 Equity shares – 6 – 6 Total financial assets at fair value through profit or loss 2,293 17,660 890 20,843 Financial assets at fair value through other comprehensive income Debt securities: Government securities 18,707 124 – 18,831 Asset-backed securities – 5 – 5 Corporate and other debt securities – 4,151 – 4,151 18,707 4,280 – 22,987 Treasury and other bills 221 – – 221 Total financial assets at fair value through comprehensive income 18,928 4,280 – 23,208 Total financial assets carried at fair value, excluding derivatives 21,221 21,940 890 44,051 Movements in level 3 portfolio The table below analyses movements in level 3 financial assets, excluding derivatives, carried at fair value (recurring measurement): 2019 2018 The Group – Continuing operations Financial Financial assets Total level 3 Financial assets Financial assets Total level 3 At 1 January 2,721 53 2,774 3,328 302 3,630 Exchange and other adjustments (74 ) (3 ) (77 ) 82 (2 ) 80 Gains recognised in the income statement within other income 4 – 4 72 – 72 (Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income – 11 11 – (5 ) (5 ) Purchases 686 – 686 1,002 2 1,004 Sales (1,956 ) (1 ) (1,957 ) (2,060 ) (305 ) (2,365 ) Transfers into the level 3 portfolio 448 – 448 297 345 642 Transfers out of the level 3 portfolio – – – – (284 ) (284 ) At 31 December 1,829 60 1,889 2,721 53 2,774 Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December (76 ) – (76 ) – – – The Group – Discontinued operations Trading and other At 1 January 8,501 Exchange and other adjustments (17 ) Gains recognised in the income statement within other income 27 Purchases 97 Sales (270 ) Transfers into the level 3 portfolio 230 Transfers out of the level 3 portfolio (168 ) Disposal of business (8,400 ) At 31 December – 2019 2018 The Bank Financial Financial assets Total level 3 Financial assets Financial assets Total level 3 At 1 January 890 – 890 1,659 202 1,861 Exchange and other adjustments (28 ) – (28 ) 79 – 79 Gains recognised in the income statement within other income – – – 67 – 67 (Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income – – – – 1 1 Purchases 101 – 101 247 – 247 Sales (603 ) – (603 ) (1,355 ) (9 ) (1,364 ) Transfers into the level 3 portfolio 49 – 49 193 – 193 Transfers out of the level 3 portfolio – – – – (194 ) (194 ) At 31 December 409 – 409 890 – 890 Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December (28 ) – (28 ) – – – Valuation methodology for financial assets, excluding derivatives LOANS AND ADVANCES TO CUSTOMERS AND BANKS The fair value of these assets is determined using discounted cash flow techniques. The discount rates are derived from market observable interest rates, a risk margin that reflects loan credit ratings and an incremental illiquidity premium based on historical spreads at origination on similar loans. DEBT SECURITIES Debt securities measured at fair value and classified as level 2 are valued by discounting expected cash flows using an observable credit spread applicable to the particular instrument. Where there is limited trading activity in debt securities, the Group uses valuation models, consensus pricing information from third party pricing services and broker or lead manager quotes to determine an appropriate valuation. Debt securities are classified as level 3 if there is a significant valuation input that cannot be corroborated through market sources or where there are materially inconsistent values for an input. Asset classes classified as level 3 mainly comprise certain collateralised loan obligations and collateralised debt obligations. Equity investments Unlisted equity and fund investments are valued using different techniques in accordance with the Group’s valuation policy and International Private Equity and Venture Capital Guidelines. Depending on the business sector and the circumstances of the investment, unlisted equity valuations are based on earnings multiples, net asset values or discounted cash flows. – A number of earnings multiples are used in valuing the portfolio including price earnings, earnings before interest and tax and earnings before interest, tax, depreciation and amortisation. The particular multiple selected being appropriate for the type of business being valued and is derived by reference to the current market-based multiple. Consideration is given to the risk attributes, growth prospects and financial gearing of comparable businesses when selecting an appropriate multiple. – Discounted cash flow valuations use estimated future cash flows, usually based on management forecasts, with the application of appropriate exit yields or terminal multiples and discounted using rates appropriate to the specific investment, business sector or recent economic rates of return. Recent transactions involving the sale of similar businesses may sometimes be used as a frame of reference in deriving an appropriate multiple. – For fund investments the most recent capital account value calculated by the fund manager is used as the basis for the valuation and adjusted, if necessary, to align valuation techniques with the Group’s valuation policy. Unlisted equity investments and investments in property partnerships held in the life assurance funds are valued using third party valuations. Management take account of any pertinent information, such as recent transactions and information received on particular investments, to adjust the third party valuations where necessary. (B) Financial liabilities, excluding derivatives VALUATION HIERARCHY At 31 December 2019, the Group’s financial liabilities carried at fair value, excluding derivatives, comprised its financial liabilities at fair value through profit or loss and totalled £7,702 million (31 December 2018: £17,730 million). The table below analyses these financial liabilities by balance sheet classification and valuation methodology (level 1, 2 or 3, as described on page F-94). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year. The Group Level 1 Level 2 Level 3 Total At 31 December 2019 Financial liabilities at fair value through profit or loss – 7,484 47 7,531 Liabilities designated at fair value through profit or loss Trading liabilities: Deposits – 98 – 98 Short positions in securities 73 – – 73 73 98 – 171 Total financial liabilities carried at fair value, excluding derivatives 73 7,582 47 7,702 The Group Level 1 Level 2 Level 3 Total At 31 December 2018 Financial liabilities at fair value through profit or loss Liabilities designated at fair value through profit or loss – 7,085 – 7,085 Trading liabilities: Liabilities in respect of securities sold under repurchase agreements – 10,258 – 10,258 Other deposits – 270 – 270 Short positions in securities 67 50 – 117 67 10,578 – 10,645 Total financial liabilities carried at fair value, excluding derivatives 67 17,663 – 17,730 The Bank Level 1 Level 2 Level 3 Total At 31 December 2019 Financial liabilities at fair value through profit or loss – 7,484 – 7,484 Liabilities designated at fair value through profit or loss Trading liabilities: Deposits – 140 – 140 Short positions in securities 73 – – 73 73 140 – 213 Total financial liabilities carried at fair value, excluding derivatives 73 7,624 – 7,697 The Bank Level 1 Level 2 Level 3 Total At 31 December 2018 Financial liabilities at fair value through profit or loss Liabilities designated at fair value through profit or loss – 7,032 – 7,032 Trading liabilities: Liabilities in respect of securities sold under repurchase agreements – 10,258 – 10,258 Other deposits – 362 – 362 Short positions in securities 67 – – 67 67 10,620 – 10,687 Total financial liabilities carried at fair value, excluding derivatives 67 17,652 – 17,719 The table below analyses movements in level 3 financial liabilities excluding derivatives. The Group 2019 2018 At 1 January – – Losses recognised in the income statement within other income 1 – Redemptions (5 ) – Transfers into the level 3 portfolio 51 – Transfers out of the level 3 portfolio – – At 31 December 47 – Losses recognised in the income statement, within other income, relating to the change in fair value of those liabilities held at 31 December – – Valuation methodology for financial liabilities, excluding derivatives LIABILITIES HELD AT FAIR VALUE THROUGH PROFIT OR LOSS These principally comprise debt securities in issue which are classified as level 2 and their fair value is determined using techniques whose inputs are based on observable market data. The carrying amount of the securities is adjusted to reflect the effect of changes in own credit spreads and the resulting gain or loss is recognised in other comprehensive income. At 31 December 2019, the own credit adjustment arising from the fair valuation of £7,531 million (2018: £7,085 million) of the Group’s debt securities in issue designated at fair value through profit or loss resulted in a loss of £419 million, recognised in other comprehensive income (2018: gain of £533 million), before tax, recognised in other comprehensive income. TRADING LIABILITIES IN RESPECT OF SECURITIES SOLD UNDER REPURCHASE AGREEMENTS The fair value of these liabilities is determined using discounted cash flow techniques. The discount rates are derived from observable repo curves specific to the type of security sold under the repurchase agreement. (C) Derivatives All of the Group’s derivative assets and liabilities are carried at fair value. At 31 December 2019, such assets totalled £8,494 million for the Group and £13,638 million for the Bank (31 December 2018: £11,293 million for the Group and £15,431 million for the Bank) and liabilities totalled £9,831 million for the Group and £14,211 million for the Bank (31 December 2018: £10,911 million for the Group and £14,546 million for the Bank). The table below analyses these derivative balances by valuation methodology (level 1, 2 or 3, as described on page F-94). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and level 2 during the year. 2019 2018 The Group Level 1 £m Level 2 £m Level 3 £m Total £m Level 1 Level 2 Level 3 Total Derivative assets – 8,494 – 8,494 – 11,288 5 11,293 Derivative liabilities – (9,534 ) (297 ) (9,831 ) – (10,903 ) (8 ) (10,911 ) 2019 2018 The Bank Level 1 £m Level 2 £m Level 3 £m Total £m Level 1 Level 2 Level 3 Total Derivative assets – 13,638 – 13,638 – 15,426 5 15,431 Derivative liabilities – (14,211 ) – (14,211 ) – (14,538 ) (8 ) (14,546 ) Where the Group’s derivative assets and liabilities are not traded on an exchange, they are valued using valuation techniques, including discounted cash flow and options pricing models, as appropriate. The types of derivatives classified as level 2 and the valuation techniques used include: – Interest rate swaps which are valued using discounted cash flow models; the most significant inputs into those models are interest rate yield curves which are developed from publicly quoted rates. – Foreign exchange derivatives that do not contain options which are priced using rates available from publicly quoted sources. – Credit derivatives which are valued using standard models with observable inputs, except for the items classified as level 3, which are valued using publicly available yield and credit default swap (CDS) curves. – Less complex interest rate and foreign exchange option products which are valued using volatility surfaces developed from publicly available interest rate cap, interest rate swaption and other option volatilities; option volatility skew information is derived from a market standard consensus pricing service. For more complex option products, the Group calibrates its models using observable at-the-money data; where necessary, the Group adjusts for out-of-the-money positions using a market standard consensus pricing service. Complex interest rate and foreign exchange products where there is significant dispersion of consensus pricing or where implied funding costs are material and unobservable are classified as level 3. Where credit protection, usually in the form of credit default swaps, has been purchased or written on asset-backed securities, the security is referred to as a negative basis asset-backed security and the resulting derivative assets or liabilities have been classified as either level 2 or level 3 according to the classification of the underlying asset-backed security. Certain unobservable inputs used to calculate CVA, FVA, and own credit adjustments, are not significant in determining the classification of the derivative and debt instruments. Consequently, these inputs do not form part of the Level 3 sensitivities presented. The table below analyses movements in level 3 derivative assets and liabilities carried at fair value. 2019 2018 The Group Derivative Derivative Derivative Derivative At 1 January 5 (8 ) 1,056 (804 ) Exchange and other adjustments – – 7 (5 ) (Losses) gains recognised in the income statement within other income – – (84 ) 49 (Sales) redemptions – 47 (974 ) 752 Transfers into the level 3 portfolio – (344 ) – – Transfers out of the level 3 portfolio (5 ) 8 – – At 31 December – (297 ) 5 (8 ) (Losses) gains recognised in the income statement, within other income, relating to the change in fair value of those assets or liabilities held at 31 December – – (424 ) 82 2019 2018 The Bank Derivative Derivative Derivative Derivative At 1 January 5 (8 ) 636 (750 ) Exchange and other adjustments – – 3 (4 ) (Losses) gains recognised in the income statement within other income – – (70 ) 43 (Sales) redemptions – – (564 ) 703 Transfers out of the level 3 portfolio (5 ) 8 – – At 31 December – – 5 (8 ) (Losses) gains recognised in the income statement, within other income, relating to the change in fair value of those assets or liabilities held at 31 December – – (402 ) 57 Derivative valuation adjustments Derivative financial instruments which are carried in the balance sheet at fair value are adjusted where appropriate to reflect credit risk, market liquidity and other risks. (I) UNCOLLATERALISED DERIVATIVE VALUATION ADJUSTMENTS, EXCLUDING MONOLINE COUNTERPARTIES The following table summarises the movement on this valuation adjustment account for the Group during 2018 and 2019. 2019 2018 At 1 January 272 521 Income statement (credit) charge (56 ) (243 ) Transfers (2 ) (6 ) At 31 December 214 272 Represented by: 2019 2018 Credit Valuation Adjustment 141 192 Debit Valuation Adjustment (5 ) (16 ) Funding Valuation Adjustment 78 96 214 272 Credit and Debit Valuation Adjustments (CVA and DVA) are applied to the Group’s over-the-counter derivative exposures with counterparties that are not subject to standard interbank collateral arrangements. These exposures largely relate to the provision of risk management solutions for corporate customers within the Commercial Banking division. A CVA is taken where the Group has a positive future uncollateralised exposure (asset). A DVA is taken where the Group has a negative future uncollateralised exposure (liability). These adjustments reflect interest rates and expectations of counterparty creditworthiness and the Group’s own credit spread respectively. The CVA is sensitive to: – the current size of the mark-to-market position on the uncollateralised asset; – expectations of future market volatility of the underlying asset; and – expectations of counterparty creditworthiness. In circumstances where exposures to a counterparty become impaired, any associated derivative valuation adjustment is transferred and assessed for specific loss alongside other non-derivative assets and liabilities that the counterparty may have with the Group. Market Credit Default Swap (CDS) spreads are used to develop the probability of default for quoted counterparties. For unquoted counterparties, internal credit ratings and market sector CDS curves and recovery rates are used. The Loss Given Default (LGD) is based on market recovery rates and internal credit assessments. The combination of a one notch deterioration in the credit rating of derivati

TRANSFERS OF FINANCIAL ASSETS

TRANSFERS OF FINANCIAL ASSETS	12 Months Ended
	Dec. 31, 2019
Disclosure of transferred financial assets that are not derecognised in their entirety [text block] [Abstract]
Disclosure of transferred financial assets that are not derecognised in their entirety [text block]	44 TRANSFERS OF FINANCIAL ASSETS There were no significant transferred financial assets which were derecognised in their entirety, but with ongoing exposure. Details of transferred financial assets that continue to be recognised in full are as follows. The Group and the Bank enter into repurchase and securities lending transactions in the normal course of business that do not result in derecognition of the financial assets covered as substantially all of the risks and rewards, including credit, interest rate, prepayment and other price risks are retained by the Group. In all cases, the transferee has the right to sell or repledge the assets concerned. As set out in note 27, included within financial assets measured at amortised cost are loans transferred under the Group’s securitisation and covered bond programmes. As the Group retains all of a majority of the risks and rewards associated with these loans, including credit, interest rate, prepayment and liquidity risk, they remain on the Group’s balance sheet. Assets transferred into the Group’s securitisation and covered bond programmes are not available to be used by the Group whilst the assets are within the programmes. However, the Group retains the right to remove loans from the covered bond programmes where they are in excess of the programme’s requirements. In addition, where the Group has retained some of the notes issued by securitisation and covered bond programmes, the Group has the ability to sell or pledge these retained notes. The table below sets out the carrying values of the transferred assets and the associated liabilities. For repurchase and securities lending transactions, the associated liabilities represent the Group’s obligation to repurchase the transferred assets. For securitisation programmes, the associated liabilities represent the external notes in issue (note 27). Except as otherwise noted below, none of the liabilities shown in the table below have recourse only to the transferred assets. The Group The Bank Carrying Carrying Carrying Carrying At 31 December 2019 Repurchase and securities lending transactions Financial assets at fair value through profit or loss 3,123 2,668 655 21 Financial assets at fair value through other comprehensive income 5,436 4,560 7,552 6,065 Securitisation programmes Financial assets at amortised cost: Loans and advances to customers 1,2 42,545 7,376 6,433 – The Group The Bank Carrying Carrying Carrying Carrying At 31 December 2018 Repurchase and securities lending transactions Financial assets at fair value through profit or loss 997 269 989 269 Available-for-sale financial assets 5,691 4,645 5,397 4,645 Securitisation programmes Financial assets at amortised cost: Loans and advances to customers 1,2 41,674 5,533 11,760 – 1 The carrying value of associated liabilities for the Group excludes securitisation notes held by the Group of £31,396 million (31 December 2018: £31,647 million). 2 The carrying value of transferred assets for the Bank includes amounts relating to assets transferred to structured entities which are fully consolidated into the Group. The liabilities associated with such assets are issued by the structured entities.

OFFSETTING OF FINANCIAL ASSETS

OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2019
Disclosure of offsetting of financial assets and financial liabilities [text block] [Abstract]
Disclosure of offsetting of financial assets and financial liabilities [text block]	45 OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES The following information relates to financial assets and liabilities which have been offset in the balance sheet and those which have not been offset but for which the Group has enforceable master netting agreements or collateral arrangements in place with counterparties. Related amounts where set off in the balance sheet not permitted 3 At 31 December 2019 Gross 1 Amounts 2 Net amounts Cash Non-cash Potential net Financial assets Financial assets at fair value through profit or loss: Excluding reverse repos 2,284 – 2,284 – (21 ) 2,263 Reverse repos – – – – – – 2,284 – 2,284 – (21 ) 2,263 Derivative financial instruments 61,860 (53,366 ) 8,494 (2,186 ) (4,177 ) 2,131 Loans and advances to banks: Excluding reverse repos 4,444 – 4,444 (1,288 ) (2,792 ) 364 Reverse repos 408 – 408 – (408 ) – 4,852 – 4,852 (1,288 ) (3,200 ) 364 Loans and advances to customers: Excluding reverse repos 422,846 – 422,846 (879 ) – 421,967 Reverse repos 56,089 (4,465 ) 51,624 – (51,624 ) – 478,935 (4,465 ) 474,470 (879 ) (51,624 ) 421,967 Debt securities 5,325 – 5,325 – (211 ) 5,114 Financial assets at fair value through other comprehensive income 24,617 – 24,617 – (5,948 ) 18,669 Financial liabilities Deposits from banks: Excluding repos 5,488 – 5,488 (1,684 ) – 3,804 Repos 18,105 – 18,105 – (18,105 ) – 23,593 – 23,593 (1,684 ) (18,105 ) 3,804 Customer deposits: Excluding repos 389,178 (1,869 ) 387,309 (501 ) (2,792 ) 384,016 Repos 9,530 – 9,530 – (9,530 ) – 398,708 (1,869 ) 396,839 (501 ) (12,322 ) 384,016 Financial liabilities at fair value through profit or loss: Excluding repos 7,702 – 7,702 – – 7,702 Repos 4,465 (4,465 ) – – – – 12,167 (4,465 ) 7,702 – – 7,702 Derivative financial instruments 61,328 (51,497 ) 9,831 (2,168 ) (5,020 ) 2,643 Related amounts where set 3 At 31 December 2018 Gross 1 Amounts 2 Net amounts Cash Non-cash Potential net Financial assets Financial assets at fair value through profit or loss: Excluding reverse repos 6,129 – 6,129 – (274 ) 5,855 Reverse repos 17,890 (763 ) 17,127 – (17,127 ) – 24,019 (763 ) 23,256 – (17,401 ) 5,855 Derivative financial instruments 52,981 (41,688 ) 11,293 (1,693 ) (4,837 ) 4,763 Loans and advances to banks: Excluding reverse repos 3,231 – 3,231 (1,496 ) – 1,735 Reverse repos 461 – 461 – (461 ) – 3,692 – 3,692 (1,496 ) (461 ) 1,735 Loans and advances to customers: Excluding reverse repos 428,165 – 428,165 (863 ) (3,241 ) 424,061 Reverse repos 37,890 (2,011 ) 35,879 – (35,879 ) – 466,055 (2,011 ) 464,044 (863 ) (39,120 ) 424,061 Debt securities 5,095 – 5,095 – – 5,095 Financial assets at fair value through other comprehensive income 24,368 – 24,368 – (4,666 ) 19,702 Financial liabilities Deposits from banks: Excluding repos 5,093 – 5,093 (1,400 ) – 3,693 Repos 21,170 – 21,170 – (21,170 ) – 26,263 – 26,263 (1,400 ) (21,170 ) 3,693 Customer deposits: Excluding repos 390,724 (1,291 ) 389,433 (293 ) (3,241 ) 385,899 Repos 1,818 – 1,818 – (1,818 ) – 392,542 (1,291 ) 391,251 (293 ) (5,059 ) 385,899 Financial liabilities at fair value through profit or loss: Excluding repos 7,473 – 7,473 – – 7,473 Repos 13,030 (2,773 ) 10,257 – (10,257 ) – 20,503 (2,773 ) 17,730 – (10,257 ) 7,473 Derivative financial instruments 51,309 (40,398 ) 10,911 (2,359 ) (5,770 ) 2,782 1 After impairment allowance. 2 The amounts set off in the balance sheet as shown above represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32. 3 The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respective of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32. The effects of over-collateralisation have not been taken into account in the above table.

FINANCIAL RISK MANAGEMENT

FINANCIAL RISK MANAGEMENT	12 Months Ended
	Dec. 31, 2019
Disclosure of financial risk management [text block] [Abstract]
Disclosure of financial risk management [text block]	46 FINANCIAL RISK MANAGEMENT Financial instruments are fundamental to the Group’s activities and, as a consequence, the risks associated with financial instruments represent a significant component of the risks faced by the Group. Disclosures in this note exclude the Group’s discontinued operations. The primary risks affecting the Group through its use of financial instruments are: credit risk; market risk, which includes interest rate risk, currency risk and liquidity risk. Information about the Group’s management of these risks is given below. (1) Credit risk The Group’s credit risk exposure arises in respect of the instruments below and predominantly in the United Kingdom. Credit risk appetite is set at Board level and is described and reported through a suite of metrics devised from a combination of accounting and credit portfolio performance measures, which include the use of various credit risk rating systems as inputs and measure the credit risk of loans and advances to customers and banks at a counterparty level using three components: (i) the probability of default by the counterparty on its contractual obligations; (ii) the current exposures to the counterparty and their likely future development, from which the Group derives the exposure at default; and (iii) the likely loss ratio on the defaulted obligations, the loss given default. The Group uses a range of approaches to mitigate credit risk, including internal control policies, obtaining collateral, using master netting agreements and other credit risk transfers, such as asset sales and credit derivative based transactions. A. Maximum credit exposure The maximum credit risk exposure of the Group and the Bank in the event of other parties failing to perform their obligations is detailed below. No account is taken of any collateral held and the maximum exposure to loss, which includes amounts held to cover unit-linked and With-Profit funds liabilities, is considered to be the balance sheet carrying amount or, for non-derivative off-balance sheet transactions and financial guarantees, their contractual nominal amounts. 2019 2018 The Group Maximum exposure £m Offset 2 £m Net exposure £m Maximum Offset 2 Net exposure Loans and advances to banks, net 1 4,852 – 4,852 3,692 – 3,692 Loans and advances to customers, net 1 474,470 (2,792 ) 471,678 464,044 (3,241 ) 460,803 Debt securities, net 1 5,325 – 5,325 5,095 – 5,095 Financial assets as amortised cost 484,647 (2,792 ) 481,855 472,831 (3,241 ) 469,590 Financial assets at fair value through other comprehensive income 3 24,617 – 24,617 24,368 – 24,368 Financial assets at fair value through profit or loss 3 Loans and advances 1,782 – 1,782 20,247 – 20,247 Debt securities, treasury and other bills 337 – 337 2,853 – 2,853 2,119 – 2,119 23,100 – 23,100 Derivative assets 8,494 (4,177 ) 4,317 11,293 (4,524 ) 6,769 Off-balance sheet items: Acceptances and endorsements 17 – 17 32 – 32 Other items serving as direct credit substitutes 279 – 279 485 – 485 Performance bonds and other transaction-related contingencies 2,274 – 2,274 2,270 – 2,270 Irrevocable commitments and guarantees 46,629 – 46,629 48,455 – 48,455 49,199 – 49,199 51,242 – 51,242 569,076 (6,969 ) 562,107 582,834 (7,765 ) 575,069 2019 2018 The Bank Maximum exposure £m Offset 2 £m Net exposure £m Maximum Offset 2 Net exposure Loans and advances to banks, net 1 4,453 – 4,453 3,153 – 3,153 Loans and advances to customers, net 1 177,569 (2,123 ) 175,446 172,315 (2,399 ) 169,916 Debt securities, net 1 5,241 – 5,241 4,960 – 4,960 Financial assets at amortised cost 187,263 (2,123 ) 185,140 180,428 (2,399 ) 178,029 Financial assets at fair value through other comprehensive income 3 22,160 – 22,160 23,208 – 23,208 Financial assets at fair value through profit or loss 3 Loans and advances 362 – 362 18,026 – 18,026 Debt securities, treasury and other bills 337 – 337 2,811 – 2,811 699 – 699 20,837 – 20,837 Derivative assets 13,638 (3,312 ) 10,326 15,431 (3,406 ) 12,025 Off-balance sheet items: Acceptances and endorsements 16 – 16 31 – 31 Other items serving as direct credit substitutes 259 – 259 449 – 449 Performance bonds and other transaction-related contingencies 2,014 – 2,014 2,012 – 2,012 Irrevocable commitments and guarantees 27,672 – 27,672 30,420 – 30,420 29,961 – 29,961 32,912 – 32,912 253,721 (5,435 ) 248,286 272,816 (5,805 ) 267,011 1 Amounts shown net of related impairment allowances. 2 Offset items comprise deposit amounts available for offset, and amounts available for offset under master netting arrangements, that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements. 3 Excluding equity shares. B. Concentrations of exposure The Group’s management of concentration risk includes single name, industry sector and country limits as well as controls over the Group’s overall exposure to certain products. At 31 December 2019 the most significant concentrations of exposure were in mortgages (comprising 62 per cent of total loans and advances to customers) and to financial, business and other services (comprising 15 per cent of the total). Loans and advances to customers The Group The Bank 2019 £m 2018 2019 £m 2018 Agriculture, forestry and fishing 7,557 7,308 2,949 3,020 Energy and water supply 1,423 1,356 1,328 1,243 Manufacturing 4,869 6,696 3,811 5,725 Construction 4,190 4,468 3,255 3,108 Transport, distribution and hotels 12,657 13,932 8,350 9,943 Postal and telecommunications 1,679 2,395 1,130 1,646 Property companies 26,736 27,207 22,982 23,087 Financial, business and other services 73,087 61,256 68,461 55,407 Personal: Mortgages 1 298,294 296,790 52,341 55,022 Other 29,165 28,617 10,060 9,680 Lease financing 1,536 1,686 93 194 Hire purchase 16,440 15,353 3,982 5,774 Total loans and advances to customers before allowance for impairment losses 477,633 467,064 178,742 173,849 Allowance for impairment losses (note 18) (3,163 ) (3,020 ) (1,173 ) (1,534 ) Total loans and advances to customers 474,470 464,044 177,569 172,315 1 Includes both UK and overseas mortgage balances. Following the continuing reduction in the Group’s non-UK activities, an analysis of credit risk exposures by geographical region has not been provided. C. Credit quality of assets LOANS AND ADVANCES The analysis of lending has been prepared based on the division in which the asset is held; with the business segment in which the exposure is recorded reflected in the ratings system applied. The internal credit ratings systems used by the Group differ between Retail and Commercial, reflecting the characteristics of these exposures and the way that they are managed internally; these credit ratings are set out below. All probabilities of default (PDs) include forward-looking information and are based on 12 month values, with the exception of credit impaired. Stage 3 assets of the Group include balances of £205 million (2018: £250 million) (with outstanding amounts due of approximately £1,700 million (2018: £2,200 million)) which have been subject to a partial write-off and where the Group continues to enforce recovery action. Stage 2 and Stage 3 assets of the Group with a carrying amount of £219 million (2018: £1,000 million) were modified during the year. No material gain or loss was recognised by the Group. The Group – Gross drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% 4,852 – – – 4,852 CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 4,852 – – – 4,852 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 257,028 13,494 – – 270,522 RMS 7-9 4.51-14.00% 15 2,052 – – 2,067 RMS 10 14.01-20.00% – 414 – – 414 RMS 11-13 20.01-99.99% – 975 – – 975 RMS 14 100% – – 1,506 13,714 15,220 257,043 16,935 1,506 13,714 289,198 Retail - unsecured RMS 1-6 0.00-4.50% 22,151 1,098 – – 23,249 RMS 7-9 4.51-14.00% 2,676 919 – – 3,595 RMS 10 14.01-20.00% 76 189 – – 265 RMS 11-13 20.01-99.99% 18 606 – – 624 RMS 14 100% – – 678 – 678 24,921 2,812 678 – 28,411 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 13,568 1,297 – – 14,865 RMS 7-9 4.51-14.00% 314 368 – – 682 RMS 10 14.01-20.00% – 99 – – 99 RMS 11-13 20.01-99.99% 2 178 – – 180 RMS 14 100% – – 150 – 150 13,884 1,942 150 – 15,976 Retail - Other RMS 1-6 0.00-4.50% 9,520 390 – – 9,910 RMS 7-9 4.51-14.00% – 409 – – 409 RMS 10 14.01-20.00% – 7 – – 7 RMS 11-13 20.01-99.99% 134 23 – – 157 RMS 14 100% – – 150 – 150 9,654 829 150 – 10,633 Total Retail 305,502 22,518 2,484 13,714 344,218 The Group – Gross drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 43,276 356 – – 43,632 CMS 11-14 0.51-3.00% 25,410 2,316 – – 27,726 CMS 15-18 3.01-20.00% 1,801 3,101 – – 4,902 CMS 19 20.01-99.99% – 168 – – 168 CMS 20-23 100% – – 3,135 – 3,135 70,487 5,941 3,135 – 79,563 Other RMS 1-6 0.00-4.50% 754 46 – – 800 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 28 – 28 754 46 28 – 828 CMS 1-10 0.00-0.50% 53,024 – – – 53,024 CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 53,024 – – – 53,024 Total loans and advances to customers 429,767 28,505 5,647 13,714 477,633 In respect of: Retail 305,502 22,518 2,484 13,714 344,218 Commercial 70,487 5,941 3,135 – 79,563 Other 53,778 46 28 – 53,852 Total loans and advances to customers 429,767 28,505 5,647 13,714 477,633 The Group – Expected credit losses in respect of drawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 23 183 – – 206 RMS 7-9 4.51-14.00% – 39 – – 39 RMS 10 14.01-20.00% – 13 – – 13 RMS 11-13 20.01-99.99% – 46 – – 46 RMS 14 100% – – 122 142 264 23 281 122 142 568 Retail - unsecured RMS 1-6 0.00-4.50% 188 42 – – 230 RMS 7-9 4.51-14.00% 103 92 – – 195 RMS 10 14.01-20.00% 7 34 – – 41 RMS 11-13 20.01-99.99% 3 193 – – 196 RMS 14 100% – – 233 – 233 301 361 233 – 895 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 203 30 – – 233 RMS 7-9 4.51-14.00% 10 15 – – 25 RMS 10 14.01-20.00% – 10 – – 10 RMS 11-13 20.01-99.99% 1 32 – – 33 RMS 14 100% – – 84 – 84 214 87 84 – 385 Retail - Other RMS 1-6 0.00-4.50% 25 9 – – 34 RMS 7-9 4.51-14.00% – 27 – – 27 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – 1 – – 1 RMS 14 100% – – 51 – 51 25 37 51 – 113 Total Retail 563 766 490 142 1,961 The Group – Expected credit losses in respect of drawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 27 2 – – 29 CMS 11-14 0.51-3.00% 50 37 – – 87 CMS 15-18 3.01-20.00% 13 171 – – 184 CMS 19 20.01-99.99% – 16 – – 16 CMS 20-23 100% – – 859 – 859 90 226 859 – 1,175 Other RMS 1-6 0.00-4.50% 16 1 – – 17 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 10 – 10 16 1 10 – 27 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 669 993 1,359 142 3,163 In respect of: Retail 563 766 490 142 1,961 Commercial 90 226 859 – 1,175 Other 16 1 10 – 27 Total loans and advances to customers 669 993 1,359 142 3,163 The Group – Gross undrawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 12,242 62 – – 12,304 RMS 7-9 4.51-14.00% 1 1 – – 2 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 8 79 87 12,243 63 8 79 12,393 Retail - unsecured RMS 1-6 0.00-4.50% 60,653 1,986 – – 62,639 RMS 7-9 4.51-14.00% 389 218 – – 607 RMS 10 14.01-20.00% 5 39 – – 44 RMS 11-13 20.01-99.99% 1 73 – – 74 RMS 14 100% – – 83 – 83 61,048 2,316 83 – 63,447 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1,181 – – – 1,181 RMS 7-9 4.51-14.00% 193 4 – – 197 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1,374 4 – – 1,378 Retail - Other RMS 1-6 0.00-4.50% 1,240 – – – 1,240 RMS 7-9 4.51-14.00% – 62 – – 62 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 2 – 2 1,240 62 2 – 1,304 Total Retail 75,905 2,445 93 79 78,522 The Group – Gross undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 31,014 76 – – 31,090 CMS 11-14 0.51-3.00% 5,105 850 – – 5,955 CMS 15-18 3.01-20.00% 258 326 – – 584 CMS 19 20.01-99.99% – 43 – – 43 CMS 20-23 100% – – 5 – 5 36,377 1,295 5 – 37,677 Other RMS 1-6 0.00-4.50% 235 – – – 235 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 235 – – – 235 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 112,517 3,740 98 79 116,434 In respect of: Retail 75,905 2,445 93 79 78,522 Commercial 36,377 1,295 5 – 37,677 Other 235 – – – 235 Total loans and advances to customers 112,517 3,740 98 79 116,434 The Group – Expected credit losses in respect of undrawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 1 – – – 1 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1 – – – 1 Retail - unsecured RMS 1-6 0.00-4.50% 56 24 – – 80 RMS 7-9 4.51-14.00% 6 8 – – 14 RMS 10 14.01-20.00% – 3 – – 3 RMS 11-13 20.01-99.99% – 15 – – 15 RMS 14 100% – – – – – 62 50 – – 112 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 2 – – – 2 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 2 – – – 2 Retail - Other RMS 1-6 0.00-4.50% 11 – – – 11 RMS 7-9 4.51-14.00% – 3 – – 3 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 11 3 – – 14 Total Retail 76 53 – – 129 The Group – Expected credit losses in respect of undrawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 7 – – – 7 CMS 11-14 0.51-3.00% 7 9 – – 16 CMS 15-18 3.01-20.00% 1 13 – – 14 CMS 19 20.01-99.99% – 2 – – 2 CMS 20-23 100% – – 5 – 5 15 24 5 – 44 Other RMS 1-6 0.00-4.50% – – – – – RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – – – – – – CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 91 77 5 – 173 In respect of: Retail 76 53 – – 129 Commercial 15 24 5 – 44 Other – – – – – Total loans and advances to customers 91 77 5 – 173 The Group – Gross drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 3,586 2 – – 3,588 CMS 11-14 0.51-3.00% 105 – – – 105 CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 3,691 2 – – 3,693 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 257,740 10,784 – – 268,524 RMS 7-9 4.51-14.00% 57 1,709 – – 1,766 RMS 10 14.01-20.00% – 262 – – 262 RMS 11-13 20.01-99.99% – 899 – – 899 RMS 14 100% – – 1,393 15,391 16,784 257,797 13,654 1,393 15,391 288,235 Retail - unsecured RMS 1-6 0.00-4.50% 22,363 1,079 – – 23,442 RMS 7-9 4.51-14.00% 2,071 774 – – 2,845 RMS 10 14.01-20.00% 72 167 – – 239 RMS 11-13 20.01-99.99% 199 687 – – 886 RMS 14 100% – – 703 – 703 24,705 2,707 703 – 28,115 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 12,918 954 – – 13,872 RMS 7-9 4.51-14.00% 301 318 – – 619 RMS 10 14.01-20.00% – 111 – – 111 RMS 11-13 20.01-99.99% 5 197 – – 202 RMS 14 100% – – 129 – 129 13,224 1,580 129 – 14,933 Retail - Other RMS 1-6 0.00-4.50% 9,033 704 – – 9,737 RMS 7-9 4.51-14.00% 190 66 – – 256 RMS 10 14.01-20.00% – 7 – – 7 RMS 11-13 20.01-99.99% 211 23 – – 234 RMS 14 100% – – 165 – 165 9,434 800 165 – 10,399 Total Retail 305,160 18,741 2,390 15,391 341,682 The Group – Gross drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 50,143 100 – – 50,243 CMS 11-14 0.51-3.00% 24,760 3,442 – – 28,202 CMS 15-18 3.01-20.00% 1,287 2,962 – – 4,249 CMS 19 20.01-99.99% – 54 – – 54 CMS 20-23 100% – – 2,958 – 2,958 76,190 6,558 2,958 – 85,706 Other RMS 1-6 0.00-4.50% 804 6 – – 810 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 49 – 49 804 6 49 – 859 CMS 1-10 0.00-0.50% 38,814 – – – 38,814 CMS 11-14 0.51-3.00% – 3 – – 3 CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 38,814 3 – – 38,817 Total loans and advances to customers 420,968 25,308 5,397 15,391 467,064 In respect of: Retail 305,160 18,741 2,390 15,391 341,682 Commercial 76,190 6,558 2,958 – 85,706 Other 39,618 9 49 – 39,676 Total loans and advances to customers 420,968 25,308 5,397 15,391 467,064 The Group – Expected credit losses in respect of drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 1 – – – 1 CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 1 – – – 1 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 37 141 – – 178 RMS 7-9 4.51-14.00% – 34 – – 34 RMS 10 14.01-20.00% – 9 – – 9 RMS 11-13 20.01-99.99% – 42 – – 42 RMS 14 100% – – 118 78 196 37 226 118 78 459 Retail - unsecured RMS 1-6 0.00-4.50% 135 45 – – 180 RMS 7-9 4.51-14.00% 57 83 – – 140 RMS 10 14.01-20.00% 4 29 – – 33 RMS 11-13 20.01-99.99% 3 172 – – 175 RMS 14 100% – – 228 – 228 199 329 228 – 756 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 114 19 – – 133 RMS 7-9 4.51-14.00% 6 15 – – 21 RMS 10 14.01-20.00% – 11 – – 11 RMS 11-13 20.01-99.99% 1 34 – – 35 RMS 14 100% – – 78 – 78 121 79 78 – 278 Retail - Other RMS 1-6 0.00-4.50% 30 25 – – 55 RMS 7-9 4.51-14.00% 2 2 – – 4 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – 1 – – 1 RMS 14 100% – – 60 – 60 32 28 60 – 120 Total Retail 389 662 484 78 1,613 The Group – Expected credit losses in respect of drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 26 1 – – 27 CMS 11-14 0.51-3.00% 49 86 – – 135 CMS 15-18 3.01-20.00% 11 229 – – 240 CMS 19 20.01-99.99% – 7 – – 7 CMS 20-23 100% – – 937 – 937 86 323 937 – 1,346 Other RMS 1-6 0.00-4.50% 43 1 – – 44 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 11 – 11 43 1 11 – 55 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – 6 – – 6 CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – 6 – – 6 Total loans and advances to customers 518 992 1,432 78 3,020 In respect of: Retail 389 662 484 78 1,613 Commercial 86 323 937 – 1,346 Other 43 7 11 – 61 Total loans and advances to customers 518 992 1,432 78 3,020 The Group – Gross undrawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 12,024 19 – – 12,043 RMS 7-9 4.51-14.00% 2 1 – – 3 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 5 90 95 12,026 20 5 90 12,141 Retail - unsecured RMS 1-6 0.00-4.50% 57,433 1,811 – – 59,244 RMS 7-9 4.51-14.00% 391 156 – – 547 RMS 10 14.01-20.00% 10 27 – – 37 RMS 11-13 20.01-99.99% 3 50 – – 53 RMS 14 100% – – 36 – 36 57,837 2,044 36 – 59,917 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1,565 – – – 1,565 RMS 7-9 4.51-14.00% 141 – – – 141 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1,706 – – – 1,706 Retail - Other RMS 1-6 0.00-4.50% 1,381 47 – – 1,428 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% 360 – – – 360 RMS 14 100% – – 3 – 3 1,741 47 3 – 1,791 Total Retail 73,310 2,111 44 90 75,555 The Group – Gross undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 35,610 – – – 35,610 CMS 11-14 0.51-3.00% 6,196 526 – – 6,722 CMS 15-18 3.01-20.00% 70 269 – – 339 CMS 19 20.01-99.99% 31 11 – – 42 CMS 20-23 100% – – – – – 41,907 806 – – 42,713 Other RMS 1-6 0.00-4.50% 246 – – – 246 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 246 – – – 246 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 115,463 2,917 44 90 118,514 In respect of: Retail 73,310 2,111 44 90 75,555 Commercial 41,907 806 – – 42,713 Other 246 – – – 246 Total loans and advances to customers 115,463 2,917 44 90 118,514 The Group – Expected credit losses in respect of undrawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 1 – – – 1 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1 – – – 1 Retail - unsecured RMS 1-6 0.00-4.50% 84 25 – – 109 RMS 7-9 4.51-14.00% 5 10 – – 15 RMS 10 14.01-20.00% – 3 – – 3 RMS 11-13 20.01-99.99% – 10 – – 10 RMS 14 100% – – – – – 89 48 – – 137 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 2 – – – 2 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 2 – – – 2 Retail - Other RMS 1-6 0.00-4.50% 11 2 – – 13 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 11 2 – – 13 Total Retail 103 50 – – 153 The Group – Expected credit losses in respect of undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 9 – – – 9 CMS 11-14 0.51-3.00% 7 7 – – 14 CMS 15-18 3.01-20.00% 1 5 – – 6 CMS 19 20.01-99.99% 1 1 – – 2 CMS 20-23 100% – – 6 – 6 18 13 6 – 37 Other RMS 1-6 0.00-4.50% – – – – – RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – – – – – – CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 121 63 6 – 190 In respect of: Retail 103 50 – – 153 Commercial 18 13 6 – 37 Other – – – – – Total loans and advances to customers 121 63 6 – 190 The Bank – Gross drawn exposures PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% 4,453 – – 4,453 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 4,453 – – 4,453 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 46,904 2,972 – 49,876 RMS 7-9 4.51-14.00% – 510 – 510 RMS 10 14.01-20.00% – 116 – 116 RMS 11-13 20.01-99.99% – 291 – 291 RMS 14 100% – – 558 558 46,904 3,889 558 51,351 Retail - unsecured RMS 1-6 0.00-4.50% 7,586 298 – 7,884 RMS 7-9 4.51-14.00% 1,138 383 – 1,521 RMS 10 14.01-20.00% 38 89 – 127 RMS 11-13 20.01-99.99% 8 273 – 281 RMS 14 100% – – 260 260 8,770 1,043 260 10,073 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1,076 135 – 1,211 RMS 7-9 4.51-14.00% 22 54 – 76 RMS 10 14.01-20.00% – 17 – 17 RMS 11-13 20.01-99.99% – 34 – 34 RMS 14 100% – – 60 60 1,098 240 60 1,398 Retail - Other RMS 1-6 0.00-4.50% 1,746 151 – 1,897 RMS 7-9 4.51-14.00% – 271 – 271 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 105 105 1,746 422 105 2,273 Total Retail 58,518 5,594 983 65,095 The Bank – Gross drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 32,617 380 – 32,997 CMS 11-14 0.51-3.00% 20,200 2,034 – 22,234 CMS 15-18 3.01-20.00% 1,469 2,530 – 3,999 CMS 19 20.01-99.99% – 111 – 111 CMS 20-23 100% – – 1,400 1,400 54,286 5,055 1,400 60,741 Other RMS 1-6 0.00-4.50% 267 32 – 299 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 2 2 267 32 2 301 CMS 1-10 0.00-0.50% 52,605 – – 52,605 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 52,605 – – 52,605 Total loans and advances to customers 165,676 10,681 2,385 178,742 In respect of: Retail 58,518 5,594 983 65,095 Commercial 54,286 5,055 1,400 60,741 Other 52,872 32 2 52,906 Total loans and advances to customers 165,676 10,681 2,385 178,742 The Bank – Expected credit losses in respect of drawn exposures PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 2 28 – 30 RMS 7-9 4.51-14.00% – 7 – 7 RMS 10 14.01-20.00% – 3 – 3 RMS 11-13 20.01-99.99% – 9 – 9 RMS 14 100% – – 30 30 2 47 30 79 Retail - unsecured RMS 1-6 0.00-4.50% 68 12 – 80 RMS 7-9 4.51-14.00% 47 41 – 88 RMS 10 14.01-20.00% 4 17 – 21 RMS 11-13 20.01-99.99% 2 89 – 91 RMS 14 100% – – 93 93 121 159 93 373 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 21 4 – 25 RMS 7-9 4.51-14.00% 1 3 – 4 RMS 10 14.01-20.00% – 2 – 2 RMS 11-13 20.01-99.99% – 7 – 7 RMS 14 100% – – 32 32 22 16 32 70 Retail - Other RMS 1-6 0.00-4.50% 18 4 – 22 RMS 7-9 4.51-14.00% – 20 – 20 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 35 35 18 24 35 77 Total Retail 163 246 190 599 The Bank – Expected credit losses in respect of drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 25 1 – 26 CMS 11-14 0.51-3.00% 40 33 – 73 CMS 15-18 3.01-20.00% 10 145 – 155 CMS 19 20.01-99.99% – 10 – 10 CMS 20-23 100% – – 309 309 75 189 309 573 Other RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 1 1 – – 1 1 CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 238 435 500 1,173 In respect of: Retail 163 246 190 599 Commercial 75 189 309 573 Other – – 1 1 Total loans and advances to customers 238 435 500 1,173 The Bank – Gross undrawn exposures PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 1,120 – – 1,120 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 1,120 – – 1,120 Retail - unsecured RMS 1-6 0.00-4.50% 18,671 437 – 19,108 RMS 7-9 4.51-14.00% 155 91 – 246 RMS 10 14.01-20.00% 2 15 – 17 RMS 11-13 20.01-99.99% – 28 – 28 RMS 14 100% – – 18 18 18,828 571 18 19,417 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 84 – – 84 RMS 7-9 4.51-14.00% 13 4 – 17 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 97 4 – 101 Retail - Other RMS 1-6 0.00-4.50% 839 – – 839 RMS 7-9 4.51-14.00% – 54 – 54 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 2 2 839 54 2 895 Total Retail 20,884 629 20 21,533 Stage 1 Stage 2 Stage 3 Total The Bank – Gross undrawn exposures (continued) PD range £m £m £m £m At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 25,847 44 – 25,891 CMS 11-14 0.51-3.00% 3,771 718 – 4,489 CMS 15-18 3.01-20.00% 197 206 – 403 CMS 19 20.01-99.99% – 38 – 38 CMS 20-23 100% – – 4 4 29,815 1,006 4 30,825 Other RMS 1-6 0.00-4.50% 191 – – 191 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 191 – – 191 CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 50,890 1,635 24 52,549 In respect of: Retail 20,884 629 20 21,533 Commercial 29,815 1,006 4 30,825 Other 191 – – 191 Total loans and advances to customers 50,890 1,635 24 52,549 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of undrawn exposures PD range £m £m £m £m At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – Retail - unsecured RMS 1-6 0.00-4.50% 18 8 – 26 RMS 7-9 4.51-14.00% 3 4 – 7 RMS 10 14.01-20.00% – 2 – 2 RMS 11-13 20.01-99.99% – 9 – 9 RMS 14 100% – – – – 21 23 – 44 Retail - UK Motor Finance RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – Retail - Other RMS 1-6 0.00-4.50% 10 – – 10 RMS 7-9 4.51-14.00% – 3 – 3 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 10 3 – 13 Total Retail 31 26 – 57 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of undrawn exposures (continued) PD range £m £m £m £m At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 5 – – 5 CMS 11-14 0.51-3.00% 7 5 – 12 CMS 15-18 3.01-20.00% 1 9 – 10 CMS 19 20.01-99.99% – 2 – 2 CMS 20-23 100% – – 4 4 13 16 4 33 Other RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 44 42 4 90 In respect of: Retail 31 26 – 57 Commercial 13 16 4 33 Other – – – – Total loans and advances to customers 44 42 4 90 Stage 1 Stage 2 Stage 3 Total The Bank – Gross drawn exposures PD range £m £m £m £m At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 3,049 – – 3,049 CMS 11-14 0.51-3.00% 105 – – 105 CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 3,154 – – 3,154 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 49,298 3,159 – 52,457 RMS 7-9 4.51-14.00% 1 490 – 491 RMS 10 14.01-20.00% – 74 – 74 RMS 11-13 20.01-99.99% – 325 – 325 RMS 14 100% – – 644 644 49,299 4,048 644 53,991 Retail - unsecured RMS 1-6 0.00-4.50% 7,799 359 – 8,158 RMS 7-9 4.51-14.00% 591 284 – 875 RMS 10 14.01-20.00% 14 63 – 77 RMS 11-13 20.01-99.99% 5 228 – 233 RMS 14 100% – – 282 282 8,409 934 282 9,625 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 2,697 365 – 3,062 RMS 7-9 4.51-14.00% 40 130 – 170 RMS 10 14.01-20.00% – 50 – 50 RMS 11-13 20.01-99.99% 1 79 – 80 RMS 14 100% – – 75 75 2,738 624 75 3,437 Retail - Other RMS 1-6 0.00-4.50% 2,272 375 – 2,647 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 104 104 2,272 375 104 2,751 Total Retail 62,718 5,981 1,105 69,804 Stage 1 Stage 2 Stage 3 Total The Bank – Gross drawn exposures (continued) PD range £m £m £m £m At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 41,279 23 – 41,302 CMS 11-14 0.51-3.00% 16,563 2,259 – 18,822 CMS 15-18 3.01-20.00% 936 2,711 – 3,647 CMS 19 20.01-99.99% – 30 – 30 CMS 20-23 100% – – 1,356 1,356 58,778 5,023 1,356 65,157 Other RMS 1-6 0.00-4.50% 208 2 – 210 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 3 3 208 2 3 213 CMS 1-10 0.00-0.50% 38,675 – – 38,675 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 38,675 – – 38,675 Total loans and advances to customers 160,379 11,006 2,464 173,849 In respect of: Retail 62,718 5,981 1,105 69,804 Commercial 58,778 5,023 1,356 65,157 Other 38,883 2 3 38,888 Total loans and advances to customers 160,379 11,006 2,464 173,849 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of drawn exposures PD range £m £m £m £m At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 1 – – 1 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 1 – – 1 Loans and advances

CAPITAL

CAPITAL	12 Months Ended
	Dec. 31, 2019
Disclosure of objectives, policies and processes for managing capital [text block] [Abstract]
Disclosure of objectives, policies and processes for managing capital [text block]	47 CAPITAL Capital management Capital is actively managed on an ongoing basis, covering the Group, the Bank on an individual basis and its regulated subsidiaries, including Bank of Scotland plc. Regulatory capital ratios are a key factor in budgeting and planning processes with updates on forecast and stressed ratios reviewed by the Lloyds Banking Group and Ring-Fenced Banks Asset and Liability Committee. Target capital levels take account of regulatory requirements, capacity for growth and to cover uncertainties. Capital policies and procedures are subject to independent oversight. From 1 January 2019 the Group became subject to separate supervision by the UK Prudential Regulation Authority (PRA) following the entry into force of UK ring-fencing legislation, with the Group becoming the Ring-Fenced Bank sub-group (‘RFB sub-group’) within Lloyds Banking Group. Supervision on a sub-consolidated basis as the RFB sub-group is in addition to the existing supervision applied to the Bank on an individual basis. The Group measures both its capital requirements and the amount of capital resources it holds to meet those requirements through applying the regulatory framework defined by the Capital Requirements Directive and Regulation (CRD IV), as amended by provisions of the revised Capital Requirements Regulation (CRR II) that came into force in June 2019. Directive requirements are implemented in the UK by the PRA and supplemented through additional regulation under the PRA Rulebook. The minimum amount of total capital, under Pillar 1 of the regulatory framework, is set at 8 per cent of total risk-weighted assets. At least 4.5 per cent of risk-weighted assets are required to be covered by common equity tier 1 (CET1) capital and at least 6 per cent of risk-weighted assets are required to be covered by tier 1 capital. These minimum Pillar 1 requirements are supplemented by additional minimum requirements under Pillar 2A of the regulatory framework, the aggregate of which is referred to as the Total Capital Requirement (TCR). Under Pillar 2A, additional requirements are set through the issuance of an Individual Capital Requirement (ICR), which adjusts the Pillar 1 minimum requirement for those risks not covered or not fully covered under Pillar 1. A key input into the PRA’s ICR process is the Group’s own assessment of the amount of capital it needs, a process known as the Internal Capital Adequacy Assessment Process (ICAAP). The Group’s Pillar 2A capital requirement is currently 4.9 per cent of risk-weighted assets, of which 2.7 per cent must be met with CET1 capital. A range of additional regulatory capital buffers apply under CRD IV, which are required to be met with CET1 capital. These include a capital conservation buffer (2.5 per cent of risk-weighted assets) and a time-varying countercyclical capital buffer (0.9 per cent of risk-weighted assets as at 31 December 2019). In addition, following the entry into force of UK ring-fencing legislation, the Group became subject to a systemic risk buffer (2.0 per cent of risk-weighted assets) which came into effect in August 2019 and is designed to hold systemically important banks to higher capital standards so that they can withstand a greater level of stress before requiring resolution. Forecast capital positions are subjected to extensive internal stress testing to determine the adequacy of the Group’s capital resources against the minimum requirements, including the ICR. The PRA considers outputs from the Group’s internal stress tests, in conjunction with the Group’s other regulatory capital buffers, as part of the process for informing the setting of a capital buffer for the Group, known as the PRA Buffer. The PRA requires this buffer to remain confidential. The Group has adopted the IFRS9 transitional arrangements for capital set out under the relevant CRD IV amendment. The arrangements allow for the initial net impact of IFRS 9 on CET1 capital, resulting from the increase in accounting impairment provisions, plus the capital impact of any subsequent increases in Stage 1 and Stage 2 expected credit losses (net of movements in regulatory expected losses), to be phased in over a five year transition period. For 2019 the phase in factor allowed 85 per cent of the resultant transitional adjustment to be added back to CET1 capital. The phase in factor will reduce to 70 per cent in 2020. As at 31 December 2019 no additional capital relief in respect of post 1 January 2018 increases in Stage 1 and Stage 2 expected credit losses (net of movements in regulatory expected losses) has been recognised. From 1 January 2019 the Group also became subject to the UK Leverage Ratio Framework. The minimum leverage ratio requirement under the Framework is 3.25 per cent. This is supplemented by a time-varying countercyclical leverage buffer (0.3 per cent of the leverage exposure measure at 31 December 2019) and an additional leverage ratio buffer (0.7 per cent of the leverage exposure measure) which reflects the application of the Group’s systemic risk buffer. At least 75 per cent of the 3.25 per cent minimum leverage ratio requirement and the entirety of any leverage buffers that may apply must be met by CET1 capital. During the year, the individual regulated entities within the Group and the Group itself complied with all of the externally imposed capital requirements to which they are subject. Regulatory capital development The regulatory framework within which the Group operates continues to be developed at a global level through the Financial Stability Board (FSB) and Basel Committee on Banking Supervision (BCBS), at a European level mainly through the European Commission (EC) and the issuance of technical standards and guidelines by the European Banking Authority (EBA) and within the UK by the PRA and through directions from the Financial Policy Committee (FPC).The Group continues to monitor these developments very closely, analysing potential capital impacts to ensure the Group and individual regulated entities continue to maintain a strong capital position that exceeds the minimum regulatory requirements and the Group’s risk appetite and is consistent with market expectations. Capital resources Regulatory capital is divided into tiers depending on the degree of permanency and loss absorbency exhibited. – Common equity tier 1 (CET1) capital represents the strongest form of capital consisting of shareholders’ equity after a number of regulatory adjustments and deductions are applied. These include adjustments for IFRS 9 transitional arrangements, the accrual for foreseeable dividends (where applicable), the elimination of the cash flow hedging reserve and deductions for goodwill, other intangible assets, prudent valuation, the excess of expected losses over impairment provisions, defined benefit pension surplus and deferred tax assets. – Fully qualifying additional tier 1 (AT1) capital comprises non-cumulative perpetual securities containing specific provisions to write down the security should the CET1 ratio fall to a defined trigger limit. Under transitional rules for capital, securities that do not qualify in their own right as AT1 capital, but were issued and recognised as eligible tier 1 capital prior to the implementation of CRD IV, can be partially included within AT1 capital (‘grandfathering’), until they are phased out altogether by 2022. To the extent these securities no longer qualify as AT1 capital they may nevertheless still qualify as tier 2 capital either under transitional rules for tier 2 securities or on an end point basis. – Tier 2 (T2) capital largely comprises certain other subordinated debt securities that do not qualify as AT1. They must have an original term of at least five years, cannot normally be redeemed within their first five years and are phased out as T2 regulatory capital in the final five years before maturity. Under transitional rules for capital, securities that do not qualify in their own right as T2 capital, but were issued and recognised as eligible T2 capital prior to the implementation of CRD IV, can be partially included within T2 capital (‘grandfathering’), until they are phased out altogether by 2022. Following revisions to eligibility criteria for capital instruments under CRR II, certain tier 2 capital instruments of the Group will cease to qualify as regulatory capital after June 2025 in accordance with the revised transitional rules. Eligible provisions, reflecting the excess of IFRS 9 expected credit losses over corresponding regulatory expected losses, are added back to T2 capital, net of the application of IFRS 9 transitional adjustments. The Group’s transitional capital resources are summarised as follows: 2019 2018 Common equity tier 1 capital 24,637 25,457 Additional tier 1 capital 6,905 5,937 Tier 2 capital 6,434 7,087 Total capital 37,976 38,481

CASH FLOW STATEMENTS_2

CASH FLOW STATEMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure of cash flow statement [text block] [Abstract]
Disclosure of cash flow statement [text block]	48 CASH FLOW STATEMENTS A Change in operating assets The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Change in financial assets held at amortised cost (11,832 ) (10,338 ) (25,178 ) (5,482 ) (992 ) (2,832 ) Changes in amounts due from fellow Lloyds Banking Group undertakings 24 4,827 810 (48,692 ) 9,875 (23,861 ) Change in derivative financial instruments and financial assets at fair value through profit or loss 24,649 40,137 9,285 22,568 37,356 15,459 Change in other operating assets 63 (442 ) (650 ) 63 295 69 Change in operating assets 12,904 34,184 (15,733 ) (31,543 ) 46,534 (11,165 ) B Change in operating liabilities The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Change in deposits from banks (2,670 ) (2,677 ) 13,415 1,802 (2,219 ) (1,917 ) Change in customer deposits 5,593 (11,901 ) 2,935 10,360 (5,258 ) 13,417 Changes in amounts due to fellow Lloyds Banking Group undertakings (8,142 ) (5,466 ) 44 28,016 (23,522 ) 12,812 Change in debt securities in issue 11,898 4,730 (11,968 ) 11,722 1,442 (6,079 ) Change in derivative financial instruments and financial liabilities at fair value through profit or loss (11,527 ) (45,383 ) (12,677 ) (10,776 ) (46,514 ) (15,110 ) Change in investment contract liabilities – (353 ) (4,665 ) – – – Change in other operating liabilities 1 (782 ) (383 ) (463 ) (1,823 ) (648 ) 340 Change in operating liabilities (5,630 ) (61,433 ) (13,379 ) 39,301 (76,719 ) 3,463 1 Includes £43 million (2018: £27 million; 2017: £2 million) for the Group and £20 million (2018: £27 million; 2017: £4 million) for the Bank in respect of lease liabilities. C Non-cash and other items The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Depreciation and amortisation 2,602 2,374 2,370 1,245 1,031 932 Permanent diminution in value of investment in subsidiaries – – – 159 92 302 Dividends received from subsidiary undertakings – – – (1,434 ) (4,968 ) (4,479 ) Revaluation of investment properties 8 (46 ) (230 ) – – – Allowance for loan losses 1,380 1,012 691 490 553 465 Write-off of allowance for loan losses, net of recoveries (1,457 ) (1,000 ) (1,062 ) (759 ) (608 ) (475 ) Impairment charge relating to undrawn balances (17 ) (72 ) (9 ) 14 (46 ) (3 ) Impairment of financial assets at fair value through other comprehensive income (2017: available-for-sale financial assets) (1 ) (14 ) 6 (1 ) (2 ) – Change in insurance contract liabilities – (1,520 ) 9,169 – – – Payment protection insurance provision 1,795 1,395 1,300 859 628 781 Other regulatory provisions 395 561 865 137 311 342 Other provision movements (161 ) (509 ) (8 ) (43 ) (413 ) (48 ) Additional capital injections to subsidiaries – – – (53 ) (72 ) (149 ) Charge in respect of defined benefit schemes 245 404 369 131 196 165 Unwind of discount on impairment allowances (52 ) (39 ) (23 ) (32 ) (33 ) (37 ) Foreign exchange element on balance sheet 1 420 (365 ) 209 (230 ) (130 ) 718 Interest expense on subordinated liabilities 947 1,072 1,285 657 654 664 Loss (profit) on disposal of businesses (107 ) (1,010 ) – – 21 (555 ) Other non-cash items (295 ) 933 537 (142 ) 990 1,181 Total non-cash items 5,702 3,176 15,469 998 (1,796 ) (196 ) Contributions to defined benefit schemes (1,069 ) (868 ) (587 ) (563 ) (455 ) (401 ) Payments in respect of payment protection insurance provision (2,457 ) (2,101 ) (1,657 ) (1,156 ) (1,057 ) (946 ) Payments in respect of other regulatory provisions (707 ) (956 ) (928 ) (229 ) (302 ) (430 ) Other – 6 – – – – Total other items (4,233 ) (3,919 ) (3,172 ) (1,948 ) (1,814 ) (1,777 ) Non-cash and other items 1,469 (743 ) 12,297 (950 ) (3,610 ) (1,973 ) 1 When considering the movement on each line of the balance sheet, the impact of foreign exchange rate movements is removed in order to show the underlying cash impact. D Analysis of cash and cash equivalents as shown in the balance sheet The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Cash and balances with central banks 38,880 40,213 58,521 35,741 37,632 55,835 Less: mandatory reserve deposits 1 (3,177 ) (2,541 ) (957 ) (764 ) (803 ) (535 ) 35,703 37,672 57,564 34,977 36,829 55,300 Loans and advances to banks 4,852 3,692 4,274 4,453 3,153 3,611 Loans and advances to banks within disposal group – – 2,337 – – – Less: amounts with a maturity of three months or more (1,941 ) (1,641 ) (3,193 ) (1,648 ) (1,328 ) (2,791 ) 2,911 2,051 3,418 2,805 1,825 820 Total cash and cash equivalents 38,614 39,723 60,982 37,782 38,654 56,120 Cash and cash equivalents of continuing operations 38,614 39,723 58,645 37,782 38,654 56,120 Cash and cash equivalents in disposal group – – 2,337 – – – Total cash and cash equivalents 38,614 39,723 60,982 37,782 38,654 56,120 1 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements; these deposits are not available to finance the Group’s day-to-day operations. Included within cash and cash equivalents of the Group at 31 December 2017 was £2,322 million held within the Group’s long-term insurance and investments business, within a disposal group, which was not immediately available for use in the business. E Acquisition of group undertakings and businesses The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Net assets acquired: Cash and cash equivalents – – 123 – – – Loans and advances to customers – – 7,811 – – 7,311 Available-for-sale financial assets 16 – Intangible assets – 21 702 – – – Property, plant and equipment – – 6 – – 1 Other assets – 6 414 – – 5 Customer deposits – – – – – (8,114 ) Deposits from banks 1 – – (6,431 ) – – – Net balances with group undertakings – – – – – 1,305 Other liabilities – (1 ) (927 ) – – (103 ) Goodwill arising on acquisition – – 302 – – – Adjustment on vesting of businesses – – – – – (278 ) Investments in subsidiaries derecognised on vesting of businesses – – – – – (127 ) Cash consideration – 26 2,016 – – – Less: Cash and cash equivalents acquired – – (123 ) – – – Net cash outflow arising from acquisitions – 26 1,893 – – – Investment in subsidiary acquired – – – – 98 2,026 Acquisition of and additional investment in joint ventures – – 20 – – – Net cash outflow from acquisitions in the year – 26 1,913 – 98 2,026 1 Upon acquisition in 2017, the funding of MBNA was assumed by the Bank. F Disposal of group undertakings and businesses The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Financial assets at fair value through profit or loss – 125,379 2,117 – – – Loans and advances to customers – 3,495 344 – – – Due from fellow group undertakings – 14,436 176 – – – Derivative financial instruments – 3,027 – – – – Investment property – 3,639 – – – – Goodwill – 1,836 – – – – Value of in-force business – 4,902 – – – – Available-for-sale financial assets 375 – Property, plant and equipment – 48 11 – – – – 156,762 3,023 – – – Customer deposits – (15,236 ) (22 ) – – – Due to fellow Lloyds Banking Group undertakings – (2,584 ) (1,706 ) – – – Derivative financial instruments – (2,762 ) – – – – Liabilities from insurance and investment contracts – (117,021 ) – – – – Subordinated liabilities – (2,494 ) – – – – Non-controlling interests – (305 ) (387 ) – – – Other net assets (liabilities) – (8,759 ) 50 – – – – (149,161 ) (2,065 ) – – – Net assets (liabilities) disposed of – 7,601 958 – – – Investment in subsidiary disposed of – – – 20 7,725 37 Disposal of investment in joint ventures – – 26 – – – Profit (loss) on sale of businesses 107 1,010 – – (21 ) 555 Cash consideration received on losing control of group undertakings and businesses 107 8,611 984 20 7,704 592 Cash and cash equivalents disposed – (7 ) – – – – Net cash inflow 107 8,604 984 20 7,704 592

ADOPTION OF IFRS 16

ADOPTION OF IFRS 16	12 Months Ended
	Dec. 31, 2019
Disclosure of initial application of standards or interpretations [text block] [Abstract]
Disclosure of initial application of standards or interpretations [text block]	49 ADOPTION OF IFRS 16 The Group adopted IFRS 16 Leases Operating lease commitments as at 31 December 2018 amounted to £2,060 million for the Group and £1,141 million for the Bank. Lease liabilities amounting to £1,752 million for the Group and £950 million for the Bank in respect of leased properties previously accounted for as operating leases were recognised at 1 January 2019. These liabilities were measured at the present value of the remaining lease payments, discounted using the Group’s incremental borrowing rate appropriate for the related right-of-use asset as at that date, adjusted to exclude short-term leases and leases of low-value assets of approximately £20 million. The weighted-average borrowing rate applied to these lease liabilities was 2.43 per cent. The corresponding right-of-use assets of £1,655 million for the Group and £883 million for the Bank were measured at an amount equal to the lease liabilities, adjusted for lease liabilities recognised at 31 December 2018 of £97 million for the Group and £67 million for the Bank. The right-of-use asset and lease liabilities are included within Property, plant and equipment and Other liabilities respectively. There was no impact on shareholders’ equity. In applying IFRS 16 for the first time, the Group has used a number of practical expedients permitted by the standard; the most significant of which were the use of a single discount rate to a portfolio of leases with reasonably similar characteristics; reliance on previous assessments of whether a lease is onerous; and the use of hindsight in determining the lease term where the contract contains options to extend or terminate the lease. The Group has also elected not to apply IFRS 16 to contracts that were not identified as containing a lease under IAS 17 and IFRIC 4 Determining whether an Arrangement contains a Lease.

EVENTS SINCE THE BALANCE SHEET

EVENTS SINCE THE BALANCE SHEET DATE	12 Months Ended
	Dec. 31, 2019
Disclosure of events after reporting period [text block] [Abstract]
Disclosure of events after reporting period [text block]	50 EVENTS SINCE THE BALANCE SHEET DATE Since the balance sheet date there has been a global pandemic from the outbreak of Coronavirus which is causing widespread disruption to financial markets and normal patterns of business activity across world, including the UK. The Directors assess this event to be a non-adjusting post balance sheet event. In view of its currently evolving nature, the Directors are unable to estimate its financial and other effects.

FUTURE ACCOUNTING DEVELOPMENTS

FUTURE ACCOUNTING DEVELOPMENTS	12 Months Ended
	Dec. 31, 2019
Disclosure of expected impact of initial application of new standards or interpretations [text block] [Abstract]
Disclosure of expected impact of initial application of new standards or interpretations [text block]	51 FUTURE ACCOUNTING DEVELOPMENTS The IASB has issued a number of minor amendments to IFRSs effective 1 January 2020 (including IFRS 3 Business Combinations Presentation of Financial Statements

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Description of accounting policy for consolidation [text block]	The assets, liabilities and results of Group undertakings (including structured entities) are included in the financial statements on the basis of accounts made up to the reporting date. Group undertakings include subsidiaries, associates and joint ventures. (1) SUBSIDIARIES Subsidiaries are entities controlled by the Group. The Group controls an entity when it has power over the entity, is exposed to, or has rights to, variable returns from its involvement with the entity, and has the ability to affect those returns through the exercise of its power. This generally accompanies a shareholding of more than one half of the voting rights although in certain circumstances a holding of less than one half of the voting rights may still result in the ability of the Group to exercise control. The existence and effect of potential voting rights that are currently exercisable or convertible are considered when assessing whether the Group controls another entity. The Group reassesses whether or not it controls an entity if facts and circumstances indicate that there are changes to any of the above elements. Subsidiaries are fully consolidated from the date on which control is transferred to the Group; they are de-consolidated from the date that control ceases. The Group consolidates collective investment vehicles if its beneficial ownership interests give it substantive rights to remove the external fund manager over the investment activities of the fund. Where a subsidiary of the Group is the fund manager of a collective investment vehicle, the Group considers a number of factors in determining whether it acts as principal, and therefore controls the collective investment vehicle, including: an assessment of the scope of the Group’s decision making authority over the investment vehicle; the rights held by other parties including substantive removal rights without cause over the Group acting as fund manager; the remuneration to which the Group is entitled in its capacity as decision maker; and the Group’s exposure to variable returns from the beneficial interest it holds in the investment vehicle. Consolidation may be appropriate in circumstances where the Group has less than a majority beneficial interest. Where a collective investment vehicle is consolidated the interests of parties other than the Group are reported in other liabilities and the movements in these interests in interest expense. Structured entities are entities that are designed so that their activities are not governed by way of voting rights. In assessing whether the Group has power over such entities in which it has an interest, the Group considers factors such as the purpose and design of the entity; its practical ability to direct the relevant activities of the entity; the nature of the relationship with the entity; and the size of its exposure to the variability of returns of the entity. The treatment of transactions with non-controlling interests depends on whether, as a result of the transaction, the Group loses control of the subsidiary. Changes in the parent’s ownership interest in a subsidiary that do not result in a loss of control are accounted for as equity transactions; any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognised directly in equity and attributed to the owners of the parent entity. Where the Group loses control of the subsidiary, at the date when control is lost the amount of any non-controlling interest in that former subsidiary is derecognised and any investment retained in the former subsidiary is remeasured to its fair value; the gain or loss that is recognised in profit or loss on the partial disposal of the subsidiary includes the gain or loss on the remeasurement of the retained interest. Intercompany transactions, balances and unrealised gains and losses on transactions between Group companies are eliminated. The acquisition method of accounting is used to account for business combinations by the Group. The consideration for the acquisition of a subsidiary is the fair value of the assets transferred, the liabilities incurred and the equity interests issued by the Group. The consideration includes the fair value of any asset or liability resulting from a contingent consideration arrangement. Acquisition related costs are expensed as incurred except those relating to the issuance of debt instruments (see 2e(5)) or share capital (see 2o). Identifiable assets acquired and liabilities assumed in a business combination are measured initially at their fair value at the acquisition date. (2) JOINT VENTURES AND ASSOCIATES Joint ventures are joint arrangements over which the Group has joint control with other parties and has rights to the net assets of the arrangements. Joint control is the contractually agreed sharing of control of an arrangement and only exists when decisions about the relevant activities require the unanimous consent of the parties sharing control. Associates are entities over which the Group has significant influence, but not control or joint control, over the financial and operating policies. Significant influence is the power to participate in the financial and operating policy decisions of the entity but is not control or joint control of those policies and is generally achieved through holding between 20 per cent and 50 per cent of the voting share capital of the entity. The Group utilises the venture capital exemption for investments where significant influence or joint control is present and the business unit operates as a venture capital business. These investments are designated at initial recognition at fair value through profit or loss. Otherwise, the Group’s investments in joint ventures and associates are accounted for by the equity method of accounting.
Description of accounting policy for goodwill [text block]	Goodwill arises on business combinations and represents the excess of the cost of an acquisition over the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities acquired. Where the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities of the acquired entity is greater than the cost of acquisition, the excess is recognised immediately in the income statement. Goodwill is recognised as an asset at cost and is tested at least annually for impairment. If an impairment is identified the carrying value of the goodwill is written down immediately through the income statement and is not subsequently reversed. At the date of disposal of a subsidiary, the carrying value of attributable goodwill is included in the calculation of the profit or loss on disposal.
Description of accounting policy for intangible assets other than goodwill [text block]	Intangible assets which have been determined to have a finite useful life are amortised on a straight line basis over their estimated useful life as follows: up to 7 years for capitalised software; 10 to 15 years for brands and other intangibles. Intangible assets with finite useful lives are reviewed at each reporting date to assess whether there is any indication that they are impaired. If any such indication exists the recoverable amount of the asset is determined and in the event that the asset’s carrying amount is greater than its recoverable amount, it is written down immediately. Certain brands have been determined to have an indefinite useful life and are not amortised. Such intangible assets are reassessed annually to reconfirm that an indefinite useful life remains appropriate. In the event that an indefinite life is inappropriate a finite life is determined and an impairment review is performed on the asset.
Description of accounting policy for recognition of revenue [text block]	Interest income and expense are recognised in the income statement for all interest-bearing financial instruments using the effective interest method, except for those classified at fair value through profit or loss. The effective interest method is a method of calculating the amortised cost of a financial asset or liability and of allocating the interest income or interest expense over the expected life of the financial instrument. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts over the expected life of the financial instrument to the gross carrying amount of the financial asset (before adjusting for expected credit losses) or to the amortised cost of the financial liability, including early redemption fees, and related penalties, and premiums and discounts that are an integral part of the overall return. Direct incremental transaction costs related to the acquisition, issue or disposal of a financial instrument are also taken into account. Interest income from non-credit impaired financial assets is recognised by applying the effective interest rate to the gross carrying amount of the asset; for credit impaired financial assets, the effective interest rate is applied to the net carrying amount after deducting the allowance for expected credit losses. Impairment policies are set out in (h) below. (2) FEE AND COMMISSION INCOME AND EXPENSE Fees and commissions receivable which are not an integral part of the effective interest rate are recognised as income as the Group fulfils its performance obligations. The Group’s principal performance obligations arising from contracts with customers are in respect of value added current accounts, credit cards and debit cards. These fees are received, and the Group’s provides the service, monthly; the fees are recognised in income on this basis. The Group also receives certain fees in respect of its asset finance business where the performance obligations are typically fulfilled towards the end of the customer contract; these fees are recognised in income on this basis. Where it is unlikely that the loan commitments will be drawn, loan commitment fees are recognised in fee and commission income over the life of the facility, rather than as an adjustment to the effective interest rate for loans expected to be drawn. Incremental costs incurred to generate fee and commission income are charged to fees and commissions expense as they are incurred. (3) OTHER Dividend income is recognised when the right to receive payment is established. Revenue recognition policies specific to trading income are set out in (e)(3) below; those relating to leases are set out in (j)(1) below.
Description of accounting policy for financial assets and liabilities policy [text block]	On initial recognition, financial assets are classified as measured at amortised cost, fair value through other comprehensive income or fair value through profit or loss, depending on the Group’s business model for managing the financial assets and whether the cash flows represent solely payments of principal and interest. The Group assesses its business models at a portfolio level based on its objectives for the relevant portfolio, how the performance of the portfolio is managed and reported, and the frequency of asset sales. Financial assets with embedded derivatives are considered in their entirety when considering their cash flow characteristics. The Group reclassifies financial assets when and only when its business model for managing those assets changes. A reclassification will only take place when the change is significant to the Group’s operations and will occur at a portfolio level and not for individual instruments; reclassifications are expected to be rare. Equity investments are measured at fair value through profit or loss unless the Group elects at initial recognition to account for the instruments at fair value through other comprehensive income. For these instruments, principally strategic investments, dividends are recognised in profit or loss but fair value gains and losses are not subsequently reclassified to profit or loss following derecognition of the investment. The Group initially recognises loans and advances, deposits, debt securities in issue and subordinated liabilities when the Group becomes a party to the contractual provisions of the instrument. Regular way purchases and sales of securities and other financial assets and trading liabilities are recognised on trade date, being the date that the Group is committed to purchase or sell an asset. Financial assets are derecognised when the contractual right to receive cash flows from those assets has expired or when the Group has transferred its contractual right to receive the cash flows from the assets and either: substantially all of the risks and rewards of ownership have been transferred; or the Group has neither retained nor transferred substantially all of the risks and rewards, but has transferred control. Financial liabilities are derecognised when the obligation is discharged, cancelled or expires. (1) FINANCIAL INSTRUMENTS MEASURED AT AMORTISED COST Financial assets that are held to collect contractual cash flows where those cash flows represent solely payments of principal and interest are measured at amortised cost. A basic lending arrangement results in contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. Where the contractual cash flows introduce exposure to risks or volatility unrelated to a basic lending arrangement such as changes in equity prices or commodity prices, the payments do not comprise solely principal and interest. Financial assets measured at amortised cost are predominantly loans and advances to customers and banks together with certain debt securities used by the Group to manage its liquidity. Loans and advances are initially recognised when cash is advanced to the borrower at fair value inclusive of transaction costs. Interest income is accounted for using the effective interest method (see (d) above). Financial liabilities are measured at amortised cost, except for trading liabilities and other financial liabilities designated at fair value through profit or loss on initial recognition which are held at fair value. (2) FINANCIAL ASSETS MEASURED AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME Financial assets that are held to collect contractual cash flows and for subsequent sale, where the assets’ cash flows represent solely payments of principal and interest, are recognised in the balance sheet at their fair value, inclusive of transaction costs. Interest calculated using the effective interest method and foreign exchange gains and losses on assets denominated in foreign currencies are recognised in the income statement. All other gains and losses arising from changes in fair value are recognised directly in other comprehensive income, until the financial asset is either sold or matures, at which time the cumulative gain or loss previously recognised in other comprehensive income is recognised in the income statement other than in respect of equity shares, for which the cumulative revaluation amount is transferred directly to retained profits. The Group recognises a charge for expected credit losses in the income statement (see (h) below). As the asset is measured at fair value, the charge does not adjust the carrying value of the asset, it is reflected in other comprehensive income. (3) FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE THROUGH PROFIT OR LOSS Financial assets are classified at fair value through profit or loss where they do not meet the criteria to be measured at amortised cost or fair value through other comprehensive income or where they are designated at fair value through profit or loss to reduce an accounting mismatch. All derivatives are carried at fair value through profit or loss. Trading securities, which are debt securities and equity shares acquired principally for the purpose of selling in the short term or which are part of a portfolio which is managed for short-term gains, do not meet these criteria and are also measured at fair value through profit or loss. Financial assets measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses together with interest coupons and dividend income are recognised in the income statement within net trading income. Financial liabilities are measured at fair value through profit or loss where they are trading liabilities or where they are designated at fair value through profit or loss in order to reduce an accounting mismatch; where the liabilities are part of a group of liabilities (or assets and liabilities) which is managed, and its performance evaluated, on a fair value basis; or where the liabilities contain one or more embedded derivatives that significantly modify the cash flows arising under the contract and would otherwise need to be separately accounted for. Financial liabilities measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses are recognised in the income statement within net trading income in the period in which they occur, except that gains and losses attributable to changes in own credit risk are recognised in other comprehensive income. The fair values of assets and liabilities traded in active markets are based on current bid and offer prices respectively. If the market is not active the Group establishes a fair value by using valuation techniques. The fair values of derivative financial instruments are adjusted where appropriate to reflect credit risk (via credit valuation adjustments (CVAs), debit valuation adjustments (DVAs) and funding valuation adjustments (FVAs)), market liquidity and other risks. (4) BORROWINGS Borrowings (which include deposits from banks, customer deposits, debt securities in issue and subordinated liabilities) are recognised initially at fair value, being their issue proceeds net of transaction costs incurred. These instruments are subsequently stated at amortised cost using the effective interest method. Preference shares and other instruments which carry a mandatory coupon or are redeemable on a specific date are classified as financial liabilities. The coupon on these instruments is recognised in the income statement as interest expense. Securities which carry a discretionary coupon and have no fixed maturity or redemption date are classified as other equity instruments. Interest payments on these securities are recognised, net of tax, as distributions from equity in the period in which they are paid. An exchange of financial liabilities on substantially different terms is accounted for as an extinguishment of the original financial liability and the recognition of a new financial liability. The difference between the carrying amount of a financial liability extinguished and the new financial liability is recognised in profit or loss together with any related costs or fees incurred. When a financial liability is exchanged for an equity instrument, the new equity instrument is recognised at fair value and any difference between the carrying value of the liability and the fair value of the new equity is recognised in profit or loss. (5) SALE AND REPURCHASE AGREEMENTS (INCLUDING SECURITIES LENDING AND BORROWING) Securities sold subject to repurchase agreements (repos) continue to be recognised on the balance sheet where substantially all of the risks and rewards are retained. Funds received under these arrangements are included in deposits from banks, customer deposits, or trading liabilities. Conversely, securities purchased under agreements to resell (reverse repos), where the Group does not acquire substantially all of the risks and rewards of ownership, are recorded as loans and advances measured at amortised cost or trading securities. The difference between sale and repurchase price is treated as interest and accrued over the life of the agreements using the effective interest method. Securities borrowing and lending transactions are typically secured; collateral takes the form of securities or cash advanced or received. Securities lent to counterparties are retained on the balance sheet. Securities borrowed are not recognised on the balance sheet, unless these are sold to third parties, in which case the obligation to return them is recorded at fair value as a trading liability. Cash collateral given or received is treated as a loan and advance measured at amortised cost or customer deposit.
Description of accounting policy for derivative financial instruments and hedging [text block]	As permitted by IFRS 9, the Group continues to apply the requirements of IAS 39 to its hedging relationships. All derivatives are recognised at their fair value. Derivatives are carried on the balance sheet as assets when their fair value is positive and as liabilities when their fair value is negative. Refer to note 43(3) (Financial instruments: Financial assets and liabilities carried at fair value) for details of valuation techniques and significant inputs to valuation models. Changes in the fair value of all derivative instruments, other than those in effective cash flow and net investment hedging relationships, are recognised immediately in the income statement. As noted in (2) and (3) below, the change in fair value of a derivative in an effective cash flow or net investment hedging relationship is allocated between the income statement and other comprehensive income. Derivatives embedded in a financial asset are not considered separately; the financial asset is considered in its entirety when determining whether its cash flows are solely payments of principal and interest. Derivatives embedded in financial liabilities are treated as separate derivatives when their economic characteristics and risks are not closely related to those of the host contract and the host contract is not carried at fair value through profit or loss. These embedded derivatives are measured at fair value with changes in fair value recognised in the income statement. Hedge accounting allows one financial instrument, generally a derivative such as a swap, to be designated as a hedge of another financial instrument such as a loan or deposit or a portfolio of such instruments. At the inception of the hedge relationship, formal documentation is drawn up specifying the hedging strategy, the hedged item, the hedging instrument and the methodology that will be used to measure the effectiveness of the hedge relationship in offsetting changes in the fair value or cash flow of the hedged risk. The effectiveness of the hedging relationship is tested both at inception and throughout its life and if at any point it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued. Note 15 provides details of the types of derivatives held by the Group and presents separately those designated in hedge relationships. In respect of interest rate benchmark reform, the Group assumes that the interest rate benchmark on which the hedged cash flows and/or the hedged risk are based, or the interest rate benchmark on which the cash flows of the hedging instrument are based, are not altered as a result of interest rate benchmark reform. The Group does not discontinue a hedging relationship during the period of uncertainty arising from the interest rate benchmark reform solely because the actual results of the hedge are not highly effective. (1) FAIR VALUE HEDGES Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recorded in the income statement, together with the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk; this also applies if the hedged asset is classified as a financial asset at fair value through other comprehensive income. If the hedge no longer meets the criteria for hedge accounting, changes in the fair value of the hedged item attributable to the hedged risk are no longer recognised in the income statement. The cumulative adjustment that has been made to the carrying amount of the hedged item is amortised to the income statement using the effective interest method over the period to maturity. (2) CASH FLOW HEDGES The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognised in other comprehensive income in the cash flow hedging reserve. The gain or loss relating to the ineffective portion is recognised immediately in the income statement. Amounts accumulated in equity are reclassified to the income statement in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised in the income statement when the forecast transaction is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the income statement. (3) NET INVESTMENT HEDGES Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income, the gain or loss relating to the ineffective portion is recognised immediately in the income statement. Gains and losses accumulated in equity are included in the income statement when the foreign operation is disposed of. The hedging instrument used in net investment hedges may include non-derivative liabilities as well as derivative financial instruments.
Description of accounting policy for offsetting of financial instruments [text block]	Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right of set-off and there is an intention to settle on a net basis, or realise the asset and settle the liability simultaneously. Cash collateral on exchange traded derivative transactions is presented gross unless the collateral cash flows are always settled net with the derivative cash flows. In certain situations, even though master netting agreements exist, the lack of management intention to settle on a net basis results in the financial assets and liabilities being reported gross on the balance sheet.
Description of accounting policy for impairment of financial assets [text block]	The impairment charge in the income statement includes the change in expected credit losses and certain fraud costs. Expected credit losses are recognised for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets measured at fair value through other comprehensive income, and certain loan commitments and financial guarantee contracts. Expected credit losses are calculated as an unbiased and probability-weighted estimate using an appropriate probability of default, adjusted to take into account a range of possible future economic scenarios, and applying this to the estimated exposure of the Group at the point of default after taking into account the value of any collateral held, repayments, or other mitigants of loss and including the impact of discounting using the effective interest rate. At initial recognition, allowance (or provision in the case of some loan commitments and financial guarantees) is made for expected credit losses resulting from default events that are possible within the next 12 months (12-month expected credit losses). In the event of a significant increase in credit risk since origination, allowance (or provision) is made for expected credit losses resulting from all possible default events over the expected life of the financial instrument (lifetime expected credit losses). Financial assets where 12-month expected credit losses are recognised are considered to be Stage 1; financial assets which are considered to have experienced a significant increase in credit risk since initial recognition are in Stage 2; and financial assets which have defaulted or are otherwise considered to be credit impaired are allocated to Stage 3. Some Stage 3 assets, mainly in Commercial Banking, are subject to individual rather than collective assessment. Such cases are subject to a risk-based impairment sanctioning process, and these are reviewed and updated at least quarterly, or more frequently if there is a significant change in the credit profile. An assessment of whether credit risk has increased significantly since initial recognition considers the change in the risk of default occurring over the remaining expected life of the financial instrument. The assessment is unbiased, probability-weighted and uses forward-looking information consistent with that used in the measurement of expected credit losses. In determining whether there has been a significant increase in credit risk, the Group uses quantitative tests based on relative and absolute probability of default (PD) movements linked to internal credit ratings together with qualitative indicators such as watchlists and other indicators of historical delinquency, credit weakness or financial difficulty. However, unless identified at an earlier stage, the credit risk of financial assets is deemed to have increased significantly when more than 30 days past due. Where the credit risk subsequently improves such that it no longer represents a significant increase in credit risk since initial recognition, the asset is transferred back to Stage 1. Assets are transferred to Stage 3 when they have defaulted or are otherwise considered to be credit impaired. Default is considered to have occurred when there is evidence that the customer is experiencing financial difficulty which is likely to affect significantly the ability to repay the amount due. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due. The Group uses this 90 day backstop for all its products except for UK mortgages. For UK mortgages, the Group uses a backstop of 180 days past due as mortgage exposures more than 90 days past due, but less than 180 days, typically show high cure rates and this aligns with the Group’s risk management practices. In certain circumstances, the Group will renegotiate the original terms of a customer’s loan, either as part of an ongoing customer relationship or in response to adverse changes in the circumstances of the borrower. In the latter circumstances, the loan will remain classified as either Stage 2 or Stage 3 until the credit risk has improved such that it no longer represents a significant increase since origination (for a return to Stage 1), or the loan is no longer credit impaired (for a return to Stage 2). Renegotiation may also lead to the loan and associated allowance being derecognised and a new loan being recognised initially at fair value. Purchased or originated credit-impaired financial assets (POCI) include financial assets that are purchased or originated at a deep discount that reflects incurred credit losses. At initial recognition, POCI assets do not carry an impairment allowance; instead, lifetime expected credit losses are incorporated into the calculation of the effective interest rate. All changes in lifetime expected credit losses subsequent to the assets’ initial recognition are recognised as an impairment charge. A loan or advance is normally written off, either partially or in full, against the related allowance when the proceeds from realising any available security have been received or there is no realistic prospect of recovery and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off decrease the amount of impairment losses recorded in the income statement. For both secured and unsecured retail balances, the write-off takes place only once an extensive set of collections processes has been completed, or the status of the account reaches a point where policy dictates that continuing attempts to recover are no longer appropriate. For commercial lending, a write-off occurs if the loan facility with the customer is restructured, the asset is under administration and the only monies that can be received are the amounts estimated by the administrator, the underlying assets are disposed and a decision is made that no further settlement monies will be received, or external evidence (for example, third party valuations) is available that there has been an irreversible decline in expected cash flows.
Description of accounting policy for property, plant and equipment [text block]	Property, plant and equipment (other than investment property) is included at cost less accumulated depreciation. The value of land (included in premises) is not depreciated. Depreciation on other assets is calculated using the straight-line method to allocate the difference between the cost and the residual value over their estimated useful lives, as follows: the shorter of 50 years and the remaining period of the lease for freehold/long and short leasehold premises; the shorter of 10 years and, if lease renewal is not likely, the remaining period of the lease for leasehold improvements; 10 to 20 years for fixtures and furnishings; and 2 to 8 years for other equipment and motor vehicles. The assets’ residual values and useful lives are reviewed, and adjusted if appropriate, at each balance sheet date. Assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. In the event that an asset’s carrying amount is determined to be greater than its recoverable amount it is written down immediately. The recoverable amount is the higher of the asset’s fair value less costs to sell and its value in use. Investment property comprises freehold and long leasehold land and buildings that are held either to earn rental income or for capital accretion or both. In accordance with the guidance published by the Royal Institution of Chartered Surveyors, investment property is carried at fair value based on current prices for similar properties, adjusted for the specific characteristics of the property (such as location or condition). If this information is not available, the Group uses alternative valuation methods such as discounted cash flow projections or recent prices in less active markets. These valuations are reviewed at least annually by independent professionally qualified valuers. Investment property being redeveloped for continuing use as investment property, or for which the market has become less active, continues to be valued at fair value.
Description of accounting policy for leases [text block]	Under IFRS 16, a lessor is required to determine whether a lease is a finance or operating lease. A lessee is not required to make this determination. (1) AS LESSOR Assets leased to customers are classified as finance leases if the lease agreements transfer substantially all the risks and rewards of ownership to the lessee but not necessarily legal title. All other leases are classified as operating leases. When assets are subject to finance leases, the present value of the lease payments, together with any unguaranteed residual value, is recognised as a receivable, net of allowances for expected credit losses, within loans and advances to banks and customers. The difference between the gross receivable and the present value of the receivable is recognised as unearned finance lease income. Finance lease income is recognised in interest income over the term of the lease using the net investment method (before tax) so as to give a constant rate of return on the net investment in the leases. Unguaranteed residual values are reviewed regularly to identify any impairment. Operating lease assets are included within property, plant and equipment at cost and depreciated over their estimated useful lives, which equates to the lives of the leases, after taking into account anticipated residual values. Operating lease rental income is recognised on a straight-line basis over the life of the lease. The Group evaluates non-lease arrangements such as outsourcing and similar contracts to determine if they contain a lease which is then accounted for separately. (2) AS LESSEE Leases are recognised as a right-of-use asset and a corresponding liability at the date at which the leased asset is available for use by the Group. Assets and liabilities arising from a lease are initially measured on a present value basis. The lease payments are discounted using the interest rate implicit in the lease, if that rate can be determined, or the Group’s incremental borrowing rate appropriate for the right-of-use asset arising from the lease. Lease payments are allocated between the liability and finance cost. The finance cost is charged to profit or loss over the lease period so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period. The right-of-use asset is depreciated over the shorter of the asset’s useful life and the lease term on a straight-line basis. Payments associated with short-term leases and leases of low-value assets are recognised on a straight-line basis as an expense in profit or loss. Short-term leases are leases with a lease term of twelve months or less. Low-value assets comprise IT equipment and small items of office furniture.
Description of accounting policy for employee benefits [text block]	Short-term employee benefits, such as salaries, paid absences, performance-based cash awards and social security costs are recognised over the period in which the employees provide the related services. (1) PENSION SCHEMES The Group operates a number of post-retirement benefit schemes for its employees including both defined benefit and defined contribution pension plans. A defined benefit scheme is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, dependent on one or more factors such as age, years of service and salary. A defined contribution plan is a pension plan into which the Group pays fixed contributions; there is no legal or constructive obligation to pay further contributions. Scheme assets are included at their fair value and scheme liabilities are measured on an actuarial basis using the projected unit credit method. The defined benefit scheme liabilities are discounted using rates equivalent to the market yields at the balance sheet date on high-quality corporate bonds that are denominated in the currency in which the benefits will be paid, and that have terms to maturity approximating to the terms of the related pension liability. The Group’s income statement charge includes the current service cost of providing pension benefits, past service costs, net interest expense (income), and plan administration costs that are not deducted from the return on plan assets. Past service costs, which represents the change in the present value of the defined benefit obligation resulting from a plan amendment or curtailment, are recognised when the plan amendment or curtailment occurs. Net interest expense (income) is calculated by applying the discount rate at the beginning of the period to the net defined benefit liability or asset. Remeasurements, comprising actuarial gains and losses, the return on plan assets (excluding amounts included in net interest expense (income) and net of the cost of managing the plan assets), and the effect of changes to the asset ceiling (if applicable) are reflected immediately in the balance sheet with a charge or credit recognised in other comprehensive income in the period in which they occur. Remeasurements recognised in other comprehensive income are reflected immediately in retained profits and will not subsequently be reclassified to profit or loss. The Group’s balance sheet includes the net surplus or deficit, being the difference between the fair value of scheme assets and the discounted value of scheme liabilities at the balance sheet date. Surpluses are only recognised to the extent that they are recoverable through reduced contributions in the future or through refunds from the schemes. In assessing whether a surplus is recoverable, the Group considers its current right to obtain a refund or a reduction in future contributions and does not anticipate any future acts by other parties that could change the amount of the surplus that may ultimately be recovered. The costs of the Group’s defined contribution plans are charged to the income statement in the period in which they fall due. (2) SHARE-BASED COMPENSATION Lloyds Banking Group operates a number of equity-settled, share-based compensation plans in respect of services received from certain of its employees. The value of the employee services received in exchange for equity instruments granted under these plans is recognised as an expense over the vesting period of the instruments with a corresponding increase in equity. This expense is determined by reference to the fair value of the number of equity instruments that are expected to vest. The fair value of equity instruments granted is based on market prices, if available, at the date of grant. In the absence of market prices, the fair value of the instruments at the date of grant is estimated using an appropriate valuation technique, such as a Black-Scholes option pricing model or a Monte Carlo simulation. The determination of fair values excludes the impact of any non-market vesting conditions, which are included in the assumptions used to estimate the number of options that are expected to vest. At each balance sheet date, this estimate is reassessed and if necessary revised. Any revision of the original estimate is recognised in the income statement together with a corresponding adjustment to equity. Cancellations by employees of contributions to the Group’s Save As You Earn plans are treated as non-vesting conditions and the Group recognises, in the year of cancellation, the amount of the expense that would have otherwise been recognised over the remainder of the vesting period. Modifications are assessed at the date of modification and any incremental charges are charged to the income statement.
Description of accounting policy for income tax [text block]	Tax expense comprises current and deferred tax. Current and deferred tax are charged or credited in the income statement except to the extent that the tax arises from a transaction or event which is recognised, in the same or a different period, outside the income statement (either in other comprehensive income, directly in equity, or through a business combination), in which case the tax appears in the same statement as the transaction that gave rise to it. The tax consequences of the Group’s dividend payments (including distributions on other equity instruments), if any, are charged or credited to the statement in which the profit distributed originally arose. Current tax is the amount of corporate income taxes expected to be payable or recoverable based on the profit for the period as adjusted for items that are not taxable or not deductible, and is calculated using tax rates and laws that were enacted or substantively enacted at the balance sheet date. Current tax includes amounts provided in respect of uncertain tax positions when management expects that, upon examination of the uncertainty by Her Majesty’s Revenue and Customs (HMRC) or other relevant tax authority, it is more likely than not that an economic outflow will occur. Provisions reflect management’s best estimate of the ultimate liability based on their interpretation of tax law, precedent and guidance, informed by external tax advice as necessary. Changes in facts and circumstances underlying these provisions are reassessed at each balance sheet date, and the provisions are re-measured as required to reflect current information. Deferred tax is recognised on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the balance sheet. Deferred tax is calculated using tax rates and laws that have been enacted or substantively enacted at the balance sheet date, and which are expected to apply when the related deferred tax asset is realised or the deferred tax liability is settled. Deferred tax liabilities are generally recognised for all taxable temporary differences but not recognised for taxable temporary differences arising on investments in subsidiaries where the reversal of the temporary difference can be controlled and it is probable that the difference will not reverse in the foreseeable future. Deferred tax liabilities are not recognised on temporary differences that arise from goodwill which is not deductible for tax purposes. Deferred tax assets are recognised to the extent it is probable that taxable profits will be available against which the deductible temporary differences can be utilised, and are reviewed at each balance sheet date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered. Deferred tax assets and liabilities are not recognised in respect of temporary differences that arise on initial recognition of assets and liabilities acquired other than in a business combination. Deferred tax is not discounted.
Description of accounting policy for foreign currency translation [text block]	Items included in the financial statements of each of the Group’s entities are measured using the currency of the primary economic environment in which the entity operates (the ‘functional currency’). Foreign currency transactions are translated into the appropriate functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the income statement, except when recognised in other comprehensive income as qualifying cash flow or net investment hedges. Non-monetary assets that are measured at fair value are translated using the exchange rate at the date that the fair value was determined. Translation differences on equities and similar non-monetary items held at fair value through profit and loss are recognised in profit or loss as part of the fair value gain or loss. Translation differences on non-monetary financial assets measured at fair value through other comprehensive income, such as equity shares, are included in the fair value reserve in equity unless the asset is a hedged item in a fair value hedge. The results and financial position of all Group entities that have a functional currency different from the presentation currency are translated into the presentation currency as follows: the assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on the acquisition of a foreign entity, are translated into sterling at foreign exchange rates ruling at the balance sheet date; and the income and expenses of foreign operations are translated into sterling at average exchange rates unless these do not approximate to the foreign exchange rates ruling at the dates of the transactions in which case income and expenses are translated at the dates of the transactions. Foreign exchange differences arising on the translation of a foreign operation are recognised in other comprehensive income and accumulated in a separate component of equity together with exchange differences arising from the translation of borrowings and other currency instruments designated as hedges of such investments (see f(3) above). On disposal or liquidation of a foreign operation, the cumulative amount of exchange differences relating to that foreign operation are reclassified from equity and included in determining the profit or loss arising on disposal or liquidation.
Description of accounting policy for provisions [text block]	Provisions are recognised in respect of present obligations arising from past events where it is probable that outflows of resources will be required to settle the obligations and they can be reliably estimated. Contingent liabilities are possible obligations whose existence depends on the outcome of uncertain future events or those present obligations where the outflows of resources are uncertain or cannot be measured reliably. Contingent liabilities are not recognised in the financial statements but are disclosed unless they are remote. Provision is made for expected credit losses in respect of irrevocable undrawn loan commitments and financial guarantee contracts (see (h) above).
Description of accounting policy for issued capital [text block]	Incremental costs directly attributable to the issue of new shares or options or to the acquisition of a business are shown in equity as a deduction, net of tax, from the proceeds. Dividends paid on the Group’s ordinary shares are recognised as a reduction in equity in the period in which they are paid.
Description of accounting policy for determining components of cash and cash equivalents [text block]	For the purposes of the cash flow statement, cash and cash equivalents comprise cash and non-mandatory balances with central banks and amounts due from banks with a maturity of less than three months.
Description of accounting policy for investment in subsidiaries [text block]	Investments in subsidiaries are carried at historical cost, less any provisions for impairment.
Description of accounting policy for discontinued operations [text block]	A discontinued operation is a cash generating unit or a group of cash generating units that has been disposed of, or is classified as held for sale, and (a) represents a separate major line of business or geographical area of operations, (b) is part of a single co-ordinated plan to dispose of a separate major line of business or geographical area of operations or (c) is a subsidiary acquired exclusively with a view to resale. The results after tax of discontinued operations are shown as a single line item on the face of the income statement.

CRITICAL ACCOUNTING JUDGEMENT_2

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Tables)	12 Months Ended
	Dec. 31, 2019
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Tables) [Line Items]
Explanation of credit risk management practices and how they relate to recognition and measurement of expected credit losses [text block]	The table below shows the Group’s ECL for the upside and downside scenarios using a 100 per cent weighting, with stage allocation based on each specific scenario. At 31 December 2019 At 31 December 2018 Upside Downside Upside Downside £m £m £m £m ECL allowance 2,926 3,602 2,626 3,424
Economic Assumptions [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Tables) [Line Items]
Explanation of credit risk management practices and how they relate to recognition and measurement of expected credit losses [text block]	The key UK economic assumptions made by the Group averaged over a five-year period are shown below: At 31 December 2019 At 31 December 2018 Severe Severe Base case Upside Downside downside Base case Upside Downside downside Economic assumptions % % % % % % % % Interest rate 1.25 2.04 0.49 0.11 1.25 2.34 1.30 0.71 Unemployment rate 4.3 3.9 5.8 7.2 4.5 3.9 5.3 6.9 House price growth 1.3 5.0 (2.6 ) (7.1 ) 2.5 6.1 (4.8 ) (7.5 ) Commercial real estate price growth (0.2 ) 1.8 (3.8 ) (7.1 ) 0.4 5.3 (4.7 ) (6.4 ) At 31 December 2019 At 31 December 2018 Severe Severe Base case Upside Downside downside Base case Upside Downside downside Economic assumptions – start to peak % % % % % % % % Interest rate 1.75 2.56 0.75 0.75 1.75 4.00 1.75 1.25 Unemployment rate 4.6 4.6 6.9 8.3 4.8 4.3 6.3 8.6 House price growth 6.0 26.3 (1.9 ) (2.3 ) 13.7 34.9 0.6 (1.6 ) Commercial real estate price growth 0.1 10.4 (0.6 ) (1.1 ) 0.1 26.9 (0.5 ) (0.5 ) At 31 December 2019 At 31 December 2018 Severe Severe Base case Upside Downside downside Base case Upside Downside downside Economic assumptions – start to trough % % % % % % % % Interest rate 0.75 0.75 0.35 0.01 0.75 0.75 0.75 0.25 Unemployment rate 3.8 3.4 3.9 3.9 4.1 3.5 4.3 4.2 House price growth (1.9 ) (0.8 ) (14.8 ) (33.1 ) 0.4 2.3 (26.5 ) (33.5 ) Commercial real estate price growth (0.9 ) 0.3 (17.5 ) (30.9 ) (0.1 ) 0.0 (23.8 ) (33.8 )
Economic Scenarios [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Tables) [Line Items]
Explanation of credit risk management practices and how they relate to recognition and measurement of expected credit losses [text block]	The table below shows the extent to which a higher ECL allowance has been recognised to take account of forward looking information from the weighted multiple economic scenarios. The most significant difference between these bases arises on UK mortgages as the probability weighted ECL includes the impact of house price movements on the loss given default. For other portfolios adjustment is made only for the probability of default. All non-modelled provisions, including post model adjustments, are based on the probability weighted modelled ECL across all scenarios. At 31 December 2019 At 31 December 2018 Probability Probability Base case weighted Difference Base case weighted Difference Impact of multiple economic scenarios £m £m £m £m £m £m 3,189 3,380 191 2,951 3,213 262
Increase (Decrease) in House Price Index [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Tables) [Line Items]
Explanation of credit risk management practices and how they relate to recognition and measurement of expected credit losses [text block]	The table below shows the impact on the Group’s ECL resulting from a decrease/increase in Loss Given Default for a 10 percentage point (pp) increase/decrease in the UK House Price Index (HPI). At 31 December 2019 At 31 December 2018 10pp increase 10pp decrease 10pp increase 10pp decrease in HPI in HPI in HPI in HPI ECL impact, £m (110 ) 147 (114 ) 154
Increase (Decrease) in Unemployment [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Tables) [Line Items]
Explanation of credit risk management practices and how they relate to recognition and measurement of expected credit losses [text block]	The table below shows the impact on the Group’s ECL resulting from a decrease/increase for a 1 percentage point (pp) increase/decrease in the UK unemployment rate. At 31 December 2019 At 31 December 2018 1pp increase in 1pp decrease in 1pp increase in 1pp decrease in unemployment unemployment unemployment unemployment ECL impact, £m 141 (143 ) 172 (155 )

SEGMENTAL ANALYSIS (Tables)

SEGMENTAL ANALYSIS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of operating segments [text block] [Abstract]
Disclosure of Operating Segments [Text Block]	Retail Commercial Other Group Year ended 31 December 2019 Net interest income 8,753 2,692 775 12,220 Other income 2,020 875 1,493 4,388 Total income 10,773 3,567 2,268 16,608 Costs (7,905 ) (1,825 ) (1,393 ) (11,123 ) Trading surplus 2,868 1,742 875 5,485 Impairment (charge) credit (1,038 ) (313 ) (11 ) (1,362 ) Profit before tax 1,830 1,429 864 4,123 External income 13,038 1,655 1,915 16,608 Inter-segment income (2,265 ) 1,912 353 – Segment income 10,773 3,567 2,268 16,608 Segment external assets 350,521 89,895 140,952 581,368 Segment external liabilities 259,946 126,313 156,210 542,469 Analysis of segment other income: Current accounts 518 133 5 656 Credit and debit card fees 634 327 – 961 Commercial banking fees – 166 – 166 Private banking and asset management – – 38 38 Factoring – 103 – 103 Other fees and commissions 63 224 152 439 Fees and commissions receivable 1,215 953 195 2,363 Fees and commissions payable (571 ) (299 ) (157 ) (1,027 ) Net fee and commission income 644 654 38 1,336 Operating lease income 1,225 22 – 1,247 Gains and losses on disposal of financial assets at fair value through other comprehensive income – (5 ) 201 196 Other income 151 204 1,254 1,609 Segment other income 2,020 875 1,493 4,388 Other segment items reflected in income statement above: Depreciation and amortisation 1,712 315 575 2,602 Defined benefit scheme charges 108 43 94 245 Other segment items: Additions to fixed assets 2,208 247 1,097 3,552 Investments in joint ventures and associates at end of year 3 – – 3 Retail Commercial Other Continuing Year ended 31 December 2018 1 Net interest income 9,008 2,921 825 12,754 Other income 1,917 1,452 851 4,220 Total income 10,925 4,373 1,676 16,974 Costs (7,702 ) (2,167 ) (1,899 ) (11,768 ) Trading surplus 3,223 2,206 (223 ) 5,206 Impairment (charge) credit (861 ) (80 ) 15 (926 ) Profit before tax 2,362 2,126 (208 ) 4,280 External income 12,893 4,157 (76 ) 16,974 Inter-segment income (1,968 ) 216 1,752 – Segment income 10,925 4,373 1,676 16,974 Segment external assets 349,380 115,819 128,325 593,524 Segment external liabilities 260,419 138,210 155,145 553,774 Analysis of segment other income: Current accounts 503 139 5 647 Credit and debit card fees 646 328 – 974 Commercial banking fees – 271 – 271 Private banking and asset management – 2 92 94 Factoring – 83 – 83 Other fees and commissions 52 253 123 428 Fees and commissions receivable 1,201 1,076 220 2,497 Fees and commissions payable (757 ) (310 ) (161 ) (1,228 ) Net fee and commission income 444 766 59 1,269 Operating lease income 1,305 36 – 1,341 Gains and losses on disposal of financial assets at fair value through other comprehensive income – – 268 268 Other income 168 650 524 1,342 Segment other income 1,917 1,452 851 4,220 Other segment items reflected in income statement above: Depreciation and amortisation 1,573 278 498 2,349 Defined benefit scheme charges 121 48 231 400 Other segment items: Additions to fixed assets 2,092 208 1,078 3,378 Investments in joint ventures and associates at end of year 4 – 1 5 Retail Commercial Other Continuing Year ended 31 December 2017 1 Net interest income 8,680 3,062 622 12,364 Other income 2,165 2,031 792 4,988 Total income 10,845 5,093 1,414 17,352 Costs (8,128 ) (2,530 ) (972 ) (11,630 ) Trading surplus 2,717 2,563 442 5,722 Impairment (charge) credit (625 ) (95 ) 33 (687 ) Profit (loss) before tax 2,092 2,468 475 5,035 External income 12,783 3,425 1,144 17,352 Inter-segment income (1,938 ) 1,668 270 – Segment income 10,845 5,093 1,414 17,352 Segment external assets 350,154 177,832 140,817 668,803 Segment external liabilities 258,469 224,939 141,910 625,318 Analysis of segment other income: Current accounts 572 135 5 712 Credit and debit card fees 637 312 – 949 Commercial banking fees – 321 – 321 Private banking and asset management – 5 93 98 Factoring – 91 – 91 Other fees and commissions 95 273 247 615 Fees and commissions receivable 1,304 1,137 345 2,786 Fees and commissions payable (636 ) (287 ) (101 ) (1,024 ) Net fee and commission income 668 850 244 1,762 Operating lease income 1,281 63 – 1,344 Rental income from investment properties – 1 – 1 Gains and losses on disposal of available-for-sale financial assets – 5 459 464 Other income 216 1,112 89 1,417 Segment other income 2,165 2,031 792 4,988 Other segment items reflected in income statement above: Depreciation and amortisation 1,547 322 423 2,292 Defined benefit scheme charges 149 52 140 341 Other segment items: Additions to fixed assets 2,431 130 862 3,423 Investments in joint ventures and associates at end of year 9 – – 9 1 Restated, see page F-24. 1 Restated, see page F-24.

NET INTEREST INCOME (Tables)

NET INTEREST INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of interest income (expense) [text block] [Abstract]
Disclosure of interest income [text block]	Weighted average effective interest rate 2019 % 2018 2017 2019 £m 2018 2017 Interest and similar income: Loans and advances to customers 3.21 3.23 3.18 15,281 15,049 14,554 Loans and advances to banks 0.57 0.76 0.41 269 462 253 Debt securities held at amortised cost 2.26 1.61 1.98 118 66 66 Interest receivable on financial assets held at amortised cost 2.97 2.93 2.84 15,668 15,577 14,873 Financial assets at fair value through other comprehensive income 1.64 1.98 430 639 Available-for-sale financial assets 1.96 980 Total interest and similar income 1 2.90 2.88 2.77 16,098 16,216 15,853 Interest and similar expense: Deposits from banks, excluding liabilities under sale and repurchase agreements 1.39 1.36 1.18 (87 ) (81 ) (80 ) Customer deposits, excluding liabilities under sale and repurchase agreements 0.65 0.60 0.56 (2,054 ) (1,997 ) (1,936 ) Debt securities in issue 2 0.71 0.10 0.18 (476 ) (66 ) (120 ) Subordinated liabilities 9.89 10.18 10.03 (921 ) (1,072 ) (1,242 ) Lease liabilities 2.41 2.44 2.38 (39 ) (1 ) (1 ) Liabilities under sale and repurchase agreements 1.08 0.87 0.54 (301 ) (245 ) (110 ) Total interest and similar expense 3 0.91 0.78 0.77 (3,878 ) (3,462 ) (3,489 ) Net interest income 12,220 12,754 12,364 1 Includes £26 million (2018: £31 million; 2017: £12 million) of interest income on liabilities with negative interest rates and £39 million (2018: £45 million; 2017: £49 million) in respect of interest income on finance leases. 2 The impact of the Group’s hedging arrangements is included on this line; excluding this impact the weighted average effective interest rate in respect of debt securities in issue would be 2.25 per cent (2018: 2.74 per cent; 2017: 2.43 per cent). 3 Includes £119 million (2018: £10 million; 2017: £50 million) of interest expense on assets with negative interest rates.

NET FEE AND COMMISSION INCOME (

NET FEE AND COMMISSION INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of fee and commission income (expense) [text block] [Abstract]
Disclosure of fee and commission income (expense) [text block]	2019 £m 2018 2017 Fee and commission income: Current accounts 656 647 712 Credit and debit card fees 961 974 949 Commercial banking fees 166 271 321 Private banking and asset management 38 94 98 Factoring 103 83 91 Other fees and commissions 439 428 615 Total fee and commission income 2,363 2,497 2,786 Fee and commission expense (1,027 ) (1,228 ) (1,024 ) Net fee and commission income 1,336 1,269 1,762

NET TRADING INCOME (Tables)

NET TRADING INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Financial assets at fair value through profit or loss, classified as held for trading, category [member]
NET TRADING INCOME (Tables) [Line Items]
Disclosure of trading income (expense) [text block]	2019 £m 2018 2017 Foreign exchange translation (losses) gains (203 ) 132 (151 ) Gains on foreign exchange trading transactions 336 235 517 Total foreign exchange 133 367 366 Investment property losses (8 ) – – Securities and other gains (see below) 235 41 407 Net trading income 360 408 773
Securities and other gains [member]
NET TRADING INCOME (Tables) [Line Items]
Disclosure of trading income (expense) [text block]	Securities and other gains comprise net gains and losses arising on assets and liabilities held at fair value through profit or loss as follows: 2019 £m 2018 2017 Net income arising on assets and liabilities mandatorily held at fair value through profit or loss: Financial instruments held for trading 427 127 180 Other financial instruments mandatorily held at fair value through profit or loss: Debt securities, loans and advances 25 11 132 Equity shares (3 ) 86 239 449 224 551 Net expense arising on assets and liabilities designated at fair value through profit or loss (214 ) (183 ) (144 ) Securities and other gains 235 41 407

OTHER OPERATING INCOME (Tables)

OTHER OPERATING INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Other operating income [member]
OTHER OPERATING INCOME (Tables) [Line Items]
Disclosure of other operating income [text block]	2019 £m 2018 2017 Operating lease rental income 1,247 1,341 1,344 Rental income from investment properties (note 22) – – 1 Gains less losses on disposal of financial assets at fair value through other comprehensive income (2017: available-for-sale financial assets) (note 19) 196 268 464 Share of results of joint ventures and associates – 5 2 Other income 1,249 929 642 Total other operating income 2,692 2,543 2,453

OPERATING EXPENSES (Tables)

OPERATING EXPENSES (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of expenses [text block] [Abstract]
Disclosure of other operating expense [text block]	2019 2018 2017 £m £m £m Staff costs: Salaries 2,370 2,379 2,540 Performance-based compensation 340 485 464 Social security costs 308 330 343 Pensions and other post-retirement benefit schemes (note 29) 518 688 583 Restructuring costs 89 247 22 Other staff costs 360 444 466 3,985 4,573 4,418 Premises and equipment: Rent and rates 114 364 364 Repairs and maintenance 182 189 231 Other 150 126 95 446 679 690 Other expenses: Communications and data processing 1,022 1,116 880 Advertising and promotion 173 192 207 Professional fees 144 230 312 Other 561 673 701 1,900 2,211 2,100 Depreciation and amortisation: Depreciation of property, plant and equipment (note 22) 2,040 1,849 1,939 Amortisation of other intangible assets (note 21) 562 500 353 2,602 2,349 2,292 Impairment of goodwill – – 8 Total operating expenses, excluding regulatory provisions 8,933 9,812 9,508 Regulatory provisions Payment protection insurance provision (note 31) 1,795 1,395 1,300 Other regulatory provisions (note 31) 395 561 822 2,190 1,956 2,122 Total operating expenses 11,123 11,768 11,630
Disclosure of information about employees [text block]	The average number of persons on a headcount basis employed by the Group during the year was as follows: 2019 2018 2017 UK 69,321 71,017 72,644 Overseas 762 769 794 Total 70,083 71,786 73,438

AUDITORS' REMUNERATION (Tables)

AUDITORS' REMUNERATION (Tables)	12 Months Ended
	Dec. 31, 2019
AUDITORS' REMUNERATION (Tables) [Line Items]
Disclosure of fees payable to auditors [text block]	During the year the auditors earned the following fees: 2019 2018 2017 £m £m £m Fees payable for the audit of the Bank’s current year annual report 4.2 3.8 3.5 Fees payable for other services: Audit of the Bank’s subsidiaries pursuant to legislation 8.6 10.2 9.9 Other services supplied pursuant to legislation 1.3 1.5 2.3 Other services – audit-related fees 0.2 – – All other services 0.3 0.1 1.4 Total fees payable to the Bank’s auditors 14.6 15.6 17.1
Entities Outside of Lloyds [member]
AUDITORS' REMUNERATION (Tables) [Line Items]
Disclosure of fees payable to auditors [text block]	During the year the auditors also earned fees payable by entities outside the consolidated Lloyds Bank Group in respect of the following: 2019 2018 2017 £m £m £m Audits of the Group pension schemes 0.1 0.1 0.1 Audits of unconsolidated Open Ended Investment Companies managed by the Group – 0.1 0.3 Reviews of the financial position of corporate and other borrowers – 0.4 0.2 Acquisition due diligence and other work performed in respect of potential venture capital investments – – 0.1

IMPAIRMENT (Tables)

IMPAIRMENT (Tables)	12 Months Ended
	Dec. 31, 2019
IMPAIRMENT (Tables) [Line Items]
Disclosure of Impairment Loss and Reversal of Impairment Loss [text block]	2017 Impairment losses on loans and receivables: Loans and advances to customers 696 Debt securities classified as loans and receivables (6 ) Total impairment losses on loans and receivables 690 Impairment of available-for-sale financial assets 6 Other credit risk provisions (9 ) Total impairment charged to the income statement 687
Accumulated impairment [member]
IMPAIRMENT (Tables) [Line Items]
Disclosure of impairment [text block]	Purchased or originated credit- Stage 1 Stage 2 Stage 3 impaired Total £m £m £m £m £m Year ended 31 December 2019 Impact of transfers between stages (17 ) 89 532 – 604 Other changes in credit quality 6 2 939 (106 ) 841 Additions (repayments) 93 (41 ) (60 ) (87 ) (95 ) Methodology, model and assumption changes 33 (27 ) 8 – 14 Other items (5 ) – 3 – (2 ) 127 (66 ) 890 (193 ) 758 Total impairment 110 23 1,422 (193 ) 1,362 In respect of: Loans and advances to banks – – – – – Loans and advances to customers 141 10 1,382 (193 ) 1,340 Due from fellow Lloyds Banking Group undertakings (1 ) – 41 – 40 Financial assets at amortised cost 140 10 1,423 (193 ) 1,380 Other assets – – – – – Impairment charge on drawn balances 140 10 1,423 (193 ) 1,380 Loan commitments and financial guarantees (29 ) 13 (1 ) – (17 ) Financial assets at fair value through other comprehensive income (1 ) – – – (1 ) Total impairment 110 23 1,422 (193 ) 1,362 Purchased or originated credit- Stage 1 Stage 2 Stage 3 impaired Total £m £m £m £m £m Year ended 31 December 2018 Impact of transfers between stages (10 ) 18 445 – 453 Other changes in credit quality (23 ) (14 ) 545 69 577 Additions (repayments) 19 (84 ) 27 (69 ) (107 ) Methodology, model and assumption changes (71 ) (21 ) 72 – (20 ) Other items (13 ) – 36 – 23 (88 ) (119 ) 680 – 473 Total impairment (98 ) (101 ) 1,125 – 926 In respect of: Loans and advances to banks 1 – – – 1 Loans and advances to customers (65 ) (53 ) 1,129 – 1,011 Impairment charge on drawn balances (64 ) (53 ) 1,129 – 1,012 Loan commitments and financial guarantees (20 ) (48 ) (4 ) – (72 ) Financial assets at fair value through other comprehensive income (14 ) – – – (14 ) Total impairment (98 ) (101 ) 1,125 – 926

TAX EXPENSE (Tables)

TAX EXPENSE (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of income tax [text block] [Abstract]
Disclosure of tax receivables and payables [text block]	2019 2018 1 2017 1 UK corporation tax: Current tax on profit for the year (1,279 ) (1,108 ) (1,029 ) Adjustments in respect of prior years 98 (10 ) 119 (1,181 ) (1,118 ) (910 ) Foreign tax: Current tax on profit for the year (58 ) (24 ) (40 ) Adjustments in respect of prior years 4 – 11 (54 ) (24 ) (29 ) Current tax expense (1,235 ) (1,142 ) (939 ) Deferred tax (note 30): Current year (110 ) (234 ) (511 ) Adjustments in respect of prior years 58 (1 ) (78 ) (52 ) (235 ) (589 ) Tax expense (1,287 ) (1,377 ) (1,528 ) 1 Restated, see note 1.
Disclosure of reconciliation of charge resulting from applying UK corporation tax rate	An explanation of the relationship between tax expense and accounting profit is set out below: 2019 2018 1 2017 1 Profit before tax from continuing operations 4,123 4,280 5,035 UK corporation tax thereon (783 ) (813 ) (969 ) Impact of surcharge on banking profits (377 ) (388 ) (430 ) Remeasurement of deferred tax due to rate changes (25 ) 18 (21 ) Non-deductible costs: conduct charges (283 ) (189 ) (287 ) Other non-deductible costs (77 ) (74 ) (50 ) Non-taxable income 36 25 28 Tax relief on coupons on other equity instruments 53 52 52 Tax-exempt gains on disposals 25 11 109 Losses not recognised (7 ) (9 ) – Differences in overseas tax rates (9 ) 1 (11 ) Adjustments in respect of prior years 160 (11 ) 52 Tax effect of share of results of joint ventures – – (1 ) Tax expense on profit from continuing operations (1,287 ) (1,377 ) (1,528 ) 1 Restated, see note 1.

DISCONTINUED OPERATIONS (Tables

DISCONTINUED OPERATIONS (Tables)	12 Months Ended
	Dec. 31, 2019
DISCONTINUED OPERATIONS (Tables) [Line Items]
Disclosure of discontinued operations [text block]	13 DISCONTINUED OPERATIONS The Group completed the sale of the Scottish Widows Group to its ultimate holding company, Lloyds Banking Group plc, in May 2018. Scottish Widows represented the entirety of the Group’s insurance business and consequently these operations were classified as discontinued and the profit after tax from these activities reported as a single line on the Group’s income statement. In order to fairly reflect the results and financial position of the Group’s continuing operations and its discontinued operations, transactions that the continuing operations had with the discontinued operations were reported on the relevant line in the Group’s income statement, with the matching transaction similarly reported in the discontinued operations income statement. All such transactions fully eliminated within the Group’s statutory consolidation and there was no net impact on profit before tax. The results of the discontinued operations in 2017 and 2018 were as follows: 2018 2017 Interest and similar income 14 228 Interest and similar expense (3 ) (1,541 ) Net interest income 11 (1,313 ) Fee and commission income 106 373 Fee and commission expense (180 ) (553 ) Net fee and commission income (74 ) (180 ) Net trading income (see (a) below) (790 ) 10,977 Insurance premium income (see (b) below) 2,714 7,930 Other operating income 205 102 Other income 2,055 18,829 Total income 2,066 17,516 Insurance claims (see (c) below) (1,363 ) (15,578 ) Total income, net of insurance claims 703 1,938 Operating expenses (333 ) (995 ) Trading surplus 370 943 Profit on disposal of the discontinued operations 1,010 – Profit before tax 1,380 943 Taxation (66 ) (147 ) Profit after tax from discontinued operations 1,314 796 (a) Net trading income 2018 2017 £m £m Foreign exchange translation gains 31 130 Gains on foreign exchange trading transactions – – Total foreign exchange 31 130 Investment property gains 45 231 Securities and other gains (see below) (866 ) 10,616 Net trading income (790 ) 10,977 Securities and other gains comprise net gains arising on assets and liabilities held at fair value through profit or loss and for trading as follows: 2018 2017 Net income arising on assets designated at fair value through profit or loss: Debt securities, loans and advances (426 ) 990 Equity shares (535 ) 9,556 Total net gains arising on assets designated at fair value through profit or loss (961 ) 10,546 Net gains on financial instruments held for trading 95 70 Securities and other gains (866 ) 10,616 (b) Insurance premium income 2018 2017 Life insurance Gross premiums: Life and pensions 2,198 6,273 Annuities 366 1,082 2,564 7,355 Ceded reinsurance premiums (73 ) (168 ) Net earned premiums 2,491 7,187 Non-life insurance Net earned premiums 223 743 Total net earned premiums 2,714 7,930 (c) Insurance claims 2018 2017 Insurance claims comprise: £m £m Life insurance and participating investment contracts Claims and surrenders (2,788 ) (8,898 ) Change in insurance and participating investment contracts 1,533 (9,067 ) Change in non-participating investment contracts (73 ) 2,836 (1,328 ) (15,129 ) Reinsurers’ share 86 35 (1,242 ) (15,094 ) Change in unallocated surplus 14 (147 ) Total life insurance and participating investment contracts (1,228 ) (15,241 ) Non-life insurance Total non-life insurance claims, net of reinsurance (135 ) (337 ) Total insurance claims (1,363 ) (15,578 ) Life insurance and participating investment contracts gross claims and surrenders can also be analysed as follows: Deaths (267 ) (675 ) Maturities (393 ) (1,280 ) Surrenders (1,734 ) (5,674 ) Annuities (336 ) (985 ) Other (58 ) (284 ) Total life insurance gross claims and surrenders (2,788 ) (8,898 ) The impact of the discontinued operations on the Group’s Cash flow statements was as follows: 2018 1 2017 £m £m Net cash used in operating activities (1,715 ) (12,244 ) Net cash from investing activities 60 208 Net cash used in financing activities (682 ) (115 ) Change in cash and cash equivalents (2,337 ) (12,151 ) 1 Presentation amended for revised amounts.
Disclosure of analysis of single amount of discontinued operations [text block]	The impact of the discontinued operations on the Group’s Cash flow statements was as follows: 2018 1 2017 £m £m Net cash used in operating activities (1,715 ) (12,244 ) Net cash from investing activities 60 208 Net cash used in financing activities (682 ) (115 ) Change in cash and cash equivalents (2,337 ) (12,151 ) 1 Presentation amended for revised amounts.
Discontinued operations [member]
DISCONTINUED OPERATIONS (Tables) [Line Items]
Disclosure of discontinued operations [text block]	The results of the discontinued operations in 2017 and 2018 were as follows: 2018 2017 Interest and similar income 14 228 Interest and similar expense (3 ) (1,541 ) Net interest income 11 (1,313 ) Fee and commission income 106 373 Fee and commission expense (180 ) (553 ) Net fee and commission income (74 ) (180 ) Net trading income (see (a) below) (790 ) 10,977 Insurance premium income (see (b) below) 2,714 7,930 Other operating income 205 102 Other income 2,055 18,829 Total income 2,066 17,516 Insurance claims (see (c) below) (1,363 ) (15,578 ) Total income, net of insurance claims 703 1,938 Operating expenses (333 ) (995 ) Trading surplus 370 943 Profit on disposal of the discontinued operations 1,010 – Profit before tax 1,380 943 Taxation (66 ) (147 ) Profit after tax from discontinued operations 1,314 796
Disclosure of trading income (expense) [text block]	2018 2017 £m £m Foreign exchange translation gains 31 130 Gains on foreign exchange trading transactions – – Total foreign exchange 31 130 Investment property gains 45 231 Securities and other gains (see below) (866 ) 10,616 Net trading income (790 ) 10,977
Disclosure of financial assets held for trading [text block]	Securities and other gains comprise net gains arising on assets and liabilities held at fair value through profit or loss and for trading as follows: 2018 2017 Net income arising on assets designated at fair value through profit or loss: Debt securities, loans and advances (426 ) 990 Equity shares (535 ) 9,556 Total net gains arising on assets designated at fair value through profit or loss (961 ) 10,546 Net gains on financial instruments held for trading 95 70 Securities and other gains (866 ) 10,616
Disclosure of insurance premium revenue [text block]	2018 2017 Life insurance Gross premiums: Life and pensions 2,198 6,273 Annuities 366 1,082 2,564 7,355 Ceded reinsurance premiums (73 ) (168 ) Net earned premiums 2,491 7,187 Non-life insurance Net earned premiums 223 743 Total net earned premiums 2,714 7,930
Disclosure of claims and benefits paid [text block]	2018 2017 Insurance claims comprise: £m £m Life insurance and participating investment contracts Claims and surrenders (2,788 ) (8,898 ) Change in insurance and participating investment contracts 1,533 (9,067 ) Change in non-participating investment contracts (73 ) 2,836 (1,328 ) (15,129 ) Reinsurers’ share 86 35 (1,242 ) (15,094 ) Change in unallocated surplus 14 (147 ) Total life insurance and participating investment contracts (1,228 ) (15,241 ) Non-life insurance Total non-life insurance claims, net of reinsurance (135 ) (337 ) Total insurance claims (1,363 ) (15,578 ) Life insurance and participating investment contracts gross claims and surrenders can also be analysed as follows: Deaths (267 ) (675 ) Maturities (393 ) (1,280 ) Surrenders (1,734 ) (5,674 ) Annuities (336 ) (985 ) Other (58 ) (284 ) Total life insurance gross claims and surrenders (2,788 ) (8,898 )

FINANCIAL ASSETS AT FAIR VALU_3

FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Tables) - Financial assets at fair value through profit or loss, category [member]	12 Months Ended
	Dec. 31, 2019
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Tables) [Line Items]
Disclosure Of Financial Assets At Fair Value Through Profit Or Loss Text Block	The Group The Bank 2019 2018 2019 2018 Trading assets 290 19,462 290 19,420 Other financial assets mandatorily at fair value through profit or loss 1,994 3,794 413 1,423 Total 2,284 23,256 703 20,843
Disclosure Of Trading And Other Financial Assets At Fair Value Through Profit Or Loss [Table Text Block]	These assets are comprised as follows: The Group The Bank 2019 2018 2019 2018 Trading Other Trading Other Trading Other Trading Other Loans and advances to customers – 1,782 16,891 3,120 – 362 16,891 899 Loans and advances to banks – – 236 – – – 236 – Debt securities: Government securities 290 – 2,293 – 290 – 2,293 – Asset-backed securities – – 20 – – – – – Corporate and other debt securities – 47 22 518 – 47 – 518 290 47 2,335 518 290 47 2,293 518 Equity shares – 165 – 156 – 4 – 6 Total 290 1,994 19,462 3,794 290 413 19,420 1,423

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
DERIVATIVE FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [text block]	Details of the Group’s hedging instruments are set out below: Maturity The Group – 31 December 2019 Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total Fair value hedges Interest rate Cross currency swap Notional – – – – 34 34 Average fixed interest rate – – – – 1.28% Average EUR/GBP exchange rate – – – – 1.38 Average USD/GBP exchange rate – – – – – Average NOK/GBP exchange rate – – – – – Interest rate swap Notional 331 9,305 37,948 91,535 21,823 160,942 Average fixed interest rate 2.58% 1.74% 1.22% 1.78% 2.72% Cash flow hedges Foreign exchange Currency swap Notional – 364 390 1,766 5,073 7,593 Average EUR/GBP exchange rate – – 1.21 1.10 – Average USD/GBP exchange rate – 1.33 1.36 1.30 1.30 Interest rate Interest rate swap Notional 9,395 23,424 57,950 205,603 121,346 417,718 Average fixed interest rate 1.06% 1.23% 1.29% 1.48% 2.43% Maturity The Group – 31 December 2018 Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total Fair value hedges Interest rate Cross currency swap Notional – 36 – 283 171 490 Average fixed interest rate – 4.82% – 5.88% 4.44% Average EUR/USD exchange rate – – – 1.13 – Average USD/GBP exchange rate – – – 1.30 – Average NOK/GBP exchange rate – 9.22 – 9.19 9.03 Interest rate swap Notional 393 417 32,876 86,451 30,834 150,971 Average fixed interest rate 1.38% 2.06% 1.65% 1.75% 2.98% Cash flow hedges Foreign exchange Currency swap Notional 67 – 642 1,412 5,903 8,024 Average USD/EUR exchange rate 1.15 – 1.14 1.10 0.00 Average USD/GBP exchange rate – – 1.28 1.21 1.28 Interest rate Interest rate swap Notional 4,874 11,204 66,312 292,712 181,843 556,945 Average fixed interest rate 1.47% 1.03% 0.99% 1.46% 1.85% Maturity The Bank – 31 December 2019 Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total Fair value hedges Interest rate Cross currency swap Notional – – – – 34 34 Average fixed interest rate 1.28% Average EUR/GBP exchange rate – – – – 1.38 Average USD/GBP exchange rate – – – – – Average NOK/GBP exchange rate – – – – – Interest rate swap Notional 331 1,445 8,378 34,930 21,749 66,833 Average fixed interest rate 2.58% 2.39% 1.49% 1.82% 2.24% Cash flow hedges Foreign exchange Currency swap Notional 53 210 539 299 – 1,101 Average EUR/GBP exchange rate – – 1.15 1.11 – Average USD/GBP exchange rate 1.37 1.38 1.36 1.36 – Interest rate Interest rate swap Notional 3,473 6,771 22,444 66,892 30,897 130,477 Average fixed interest rate 1.10% 1.58% 1.57% 1.41% 1.93% Maturity Up to 1 month 1-3 months 3-12 months 1-5 years Over 5 years Total The Bank – 31 December 2018 £m £m £m £m £m £m Fair value hedges Interest rate Cross currency swap Notional – 36 – 283 171 490 Average fixed interest rate – 4.82% – 5.88% 4.44% Average EUR/USD exchange rate – – – 1.13 – Average USD/GBP exchange rate – – – 1.30 – Average NOK/GBP exchange rate – 9.22 – 9.19 9.03 Interest rate swap Notional 458 421 33,667 87,350 31,327 153,223 Average fixed interest rate 1.33% 2.09% 1.72% 1.78% 2.97% Cash flow hedges Foreign exchange Currency swap Notional – – 280 261 – 541 Average USD/EUR exchange rate – – 1.12 1.10 – Average USD/GBP exchange rate – – – 1.42 – Interest rate Interest rate swap Notional 1,199 4,170 16,653 75,609 48,387 146,018 Average fixed interest rate 1.33% 1.52% 1.57% 1.69% 2.15%
At fair value [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Tables) [Line Items]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block]	The fair values and notional amounts of derivative instruments are set out in the following table: 2019 2018 The Group Contract/ Fair value Fair value Contract/ Fair value Fair value Trading Exchange rate contracts: Spot, forwards and futures 11,066 272 142 22,422 797 710 Currency swaps 156,224 1,184 2,492 155,993 2,419 1,401 Options purchased 681 9 – 2,596 64 – Options written 681 – 9 2,590 – 64 168,652 1,465 2,643 183,601 3,280 2,175 Interest rate contracts: Interest rate swaps 1,822,407 5,779 5,685 1,903,166 6,311 7,071 Forward rate agreements 30,192 1 2 97,140 4 5 Options purchased 4,124 77 – 7,982 124 – Options written 3,682 – 78 6,847 – 141 1,860,405 5,857 5,765 2,015,135 6,439 7,217 Credit derivatives 7,546 39 99 3,330 22 31 Equity and other contracts 338 16 295 1,563 69 381 Total derivative assets/liabilities held for trading 2,036,941 7,377 8,802 2,203,629 9,810 9,804 Hedging Derivatives designated as fair value hedges: Cross currency swaps 34 8 – 490 3 29 Interest rate swaps (including swap options) 160,942 696 229 150,971 947 187 160,976 704 229 151,461 950 216 Derivatives designated as cash flow hedges: Cross currency swaps 7,593 70 64 8,024 175 47 Interest rate swaps 417,718 343 736 556,945 358 844 425,311 413 800 564,969 533 891 Total derivative assets/liabilities held for hedging 586,287 1,117 1,029 716,430 1,483 1,107 Total recognised derivative assets/liabilities 2,623,228 8,494 9,831 2,920,059 11,293 10,911 2019 2018 The Bank Contract/ Fair value Fair value Contract/ Fair value Fair value Trading Exchange rate contracts: Spot, forwards and futures 8,564 154 123 19,965 573 706 Currency swaps 183,675 1,401 2,748 186,701 3,003 2,068 Options purchased 682 9 – 2,596 64 – Options written 682 – 9 2,590 – 64 193,603 1,564 2,880 211,852 3,640 2,838 Interest rate contracts: Interest rate swaps 2,370,877 11,714 10,776 2,463,556 11,062 10,123 Forward rate agreements 30,192 1 2 103,654 5 6 Options purchased 4,176 78 – 8,224 125 – Options written 3,697 – 89 6,856 – 152 2,408,942 11,793 10,867 2,582,290 11,192 10,281 Credit derivatives 4,618 59 182 6,775 99 55 Equity and other contracts 368 15 15 1,471 68 57 Total derivative assets/liabilities held for trading 2,607,531 13,431 13,944 2,802,388 14,999 13,231 Hedging Derivatives designated as fair value hedges: Cross currency swaps 34 8 – 490 3 29 Interest rate swaps (including swap options) 66,833 153 213 153,223 385 1,256 66,867 161 213 153,713 388 1,285 Derivatives designated as cash flow hedges: Currency swaps 1,101 37 19 541 15 1 Interest rate swaps 130,477 9 35 146,018 29 29 131,578 46 54 146,559 44 30 Total derivative assets/liabilities held for hedging 198,445 207 267 300,272 432 1,315 Total recognised derivative assets/liabilities 2,805,976 13,638 14,211 3,102,660 15,431 14,546
Swaps [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of hedge accounting [text block]	The carrying amounts of the Group’s hedging instruments are as follows: Carrying amount of the hedging instrument The Group – 31 December 2019 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 34 8 – 2 Interest rate swaps 160,942 696 229 351 Cash flow hedges Foreign exchange Currency swaps 7,593 70 64 (141 ) Interest rate Interest rate swaps 417,718 343 736 920 Carrying amount of the hedging instrument The Group – 31 December 2018 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 490 3 29 (10 ) Interest rate swaps 150,971 947 187 135 Cash flow hedges Foreign exchange Currency swaps 8,024 175 47 104 Interest rate Interest rate swaps 556,945 358 844 (789 ) Carrying amount of the hedging instrument The Bank – 31 December 2019 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 34 8 – 2 Interest rate swaps 66,833 153 213 118 Cash flow hedges Foreign exchange Currency swaps 1,101 37 19 (31 ) Interest rate Interest rate swaps 130,477 9 35 777 Carrying amount of the hedging instrument The Bank – 31 December 2018 Contract/notional Assets Liabilities Changes in fair Fair value hedges Interest rate Currency swaps 490 3 29 (10 ) Interest rate swaps 153,223 385 1,256 272 Cash flow hedges Foreign exchange Currency swaps 541 15 1 41 Interest rate Interest rate swaps 146,018 29 29 (389 )
Debt securities [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of separate financial statements [text block]	The Group’s hedged items are as follows: Carrying amount of the Accumulated amount of Change in Cash flow hedge reserve The Group – 31 December 2019 Assets Liabilities Assets Liabilities item for Continuing Discontinued Fair value hedges Interest rate Fixed rate mortgages 1 83,818 – 154 – (73 ) Fixed rate issuance 2 – 47,689 – 1,590 (326 ) Fixed rate borrowings 3 – 1,272 – 136 (206 ) Fixed rate bonds 4 21,354 – 660 – 405 Cash flow hedges Foreign exchange Foreign currency issuance 2 28 (20 ) 90 Customer deposits 5 116 18 (48 ) Interest rate Customer loans 1 (657 ) 1,226 531 Central bank balances 6 (220 ) 85 163 Customer deposits 5 (1 ) (40 ) 6 Carrying amount of the Accumulated amount of fair Change in Cash flow hedge reserve The Group – 31 December 2018 Assets Liabilities Assets Liabilities ineffectiveness Continuing Discontinued Fair value hedges Interest rate Fixed rate mortgages 1 53,136 – (45 ) – (173 ) Fixed rate issuance 2 – 44,009 – 1,545 750 Fixed rate borrowings 3 – 6,528 – (103 ) 12 Fixed rate bonds 4 23,285 – 232 – (666 ) Cash flow hedges Foreign exchange Foreign currency issuance 2 (40 ) 12 266 Customer deposits 5 (62 ) 70 (78 ) Interest rate Customer loans 1 478 860 259 Central bank balances 6 (16 ) 30 20 Customer deposits 5 (131 ) (8 ) (7 ) Carrying amount of the Accumulated amount of Change in Cash flow hedge reserve The Bank – 31 December 2019 Assets Liabilities Assets Liabilities £m Continuing Discontinued Fair value hedges Interest rate Fixed rate mortgages 1 – – – – – Fixed rate issuance 2 – 40,557 – 565 (357 ) Fixed rate borrowings – 1,272 – 136 (206 ) Fixed rate bonds 3 20,632 – 655 – 400 Cash flow hedges Foreign exchange Foreign currency issuance 2 31 (38 ) 7 Customer deposits 4 Interest rate Customer loans 1 (344 ) 1,037 881 Central bank balances 5 (388 ) – 441 Customer deposits 4 (1 ) (126 ) (58 ) Carrying amount of the Accumulated amount of fair Change in Cash flow hedge reserve The Bank – 31 December 2018 Assets Liabilities Assets Liabilities £m Continuing Discontinued Fair value hedges Interest rate Fixed rate issuance 1 – 34,881 – 791 334 Fixed rate borrowings 2 – 6,528 – (103 ) 12 Fixed rate bonds 3 23,105 – 232 – (666 ) Cash flow hedges Foreign exchange Foreign currency issuance 1 (41 ) 11 26 Interest rate Customer loans 4 376 982 620 Central bank balances 5 (107 ) 83 – Customer deposits 6 (7 ) (14 ) (9 ) 1 Included within loans and advances to customers. 2 Included within debt securities in issue. 3 Included within amounts due to fellow Lloyds Banking Group undertakings. 4 Included within financial assets at fair value through other comprehensive income. 5 Included within customer deposits. 6 Included within cash and balances at central banks. 1 Included within debt securities in issue. 2 Included within amounts due to fellow Lloyds Banking Group undertakings. 3 Included within financial assets at fair value through other comprehensive income. 4 Included within loans and advances to customers. 5 Included within cash and balances at central banks. 6 Included within customer deposits.
Change in fair value of hedged item for ineffectiveness assessment
DERIVATIVE FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of separate financial statements [text block]	Gains and losses arising from hedge accounting are summarised as follows: Amounts reclassified from reserves to income statement as: The Group – 31 December 2019 Gain (loss) Hedge 1 Hedged Hedged item Income statement Fair value hedges Interest rate Fixed rate mortgages 186 Fixed rate issuance (28 ) Fixed rate borrowings 6 Fixed rate bonds (11 ) Cash flow hedges Foreign exchange Foreign currency issuance (202 ) – (101 ) (73 ) Interest expense Customer deposits (22 ) – – 6 Interest expense Interest rate Customer loans 616 99 – (367 ) Interest income Central bank balances 194 32 – (52 ) Interest income Customer deposits – – – 7 Interest expense Amounts reclassified from reserves to The Group – 31 December 2018 Gain (loss) Hedge 1 Hedged item Income statement Fair value hedges Interest rate Fixed rate mortgages 106 Fixed rate issuance (33 ) Fixed rate borrowings 2 Fixed rate bonds (27 ) Cash flow hedges Foreign exchange Foreign currency issuance (31 ) – (71 ) Interest expense Customer deposits (22 ) (2 ) (32 ) Interest expense Interest rate Customer loans (435 ) (17 ) (467 ) Interest income Central bank balances (63 ) (5 ) (52 ) Interest income Customer deposits (49 ) (1 ) (69 ) Interest expense Amounts reclassified from reserves to income statement The Bank – 31 December 2019 Gain (loss) Hedge 1 Hedged Hedged item Income statement Fair value hedges Interest rate Fixed rate mortgages (15 ) Fixed rate issuance (38 ) Fixed rate bonds 4 Fixed rate borrowings 6 Cash flow hedges Foreign exchange Foreign currency issuance (67 ) – (25 ) (11 ) Interest expense Customer deposits – – – – Interest expense Interest rate Customer loans 125 27 – (363 ) Interest income Central bank balances 361 35 – (84 ) Interest income Customer deposits 25 – – 35 Interest expense Amounts reclassified from reserves to The Bank – 31 December 2018 Gain (loss) Hedge 1 Hedged item Income statement Fair value hedges Interest rate Fixed rate issuance (33 ) Fixed rate borrowings 2 Fixed rate bonds (27 ) Cash flow hedges Foreign exchange Foreign currency issuance 40 – (1 ) Interest expense Interest rate Customer loans (504 ) (37 ) (567 ) Interest income Central bank balances 83 15 (67 ) Interest income Customer deposits 8 1 7 Interest expense 1 Hedge ineffectiveness is included in the income statement within net trading income.

FINANCIAL ASSETS AT AMORTISED_2

FINANCIAL ASSETS AT AMORTISED COST (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure Of Financial Assets At Amortised Cost Explanatory [Abstract]
DisclosureOfDebtSecuritiesLoansAndAdvancesToBanksAndCustomers	Loans and advances to banks Stage 1 Stage 2 Stage 3 Purchased or Total At 1 January 2019 3,691 2 – – 3,693 Exchange and other adjustments 1 (125 ) – – – (125 ) Additions (repayments) 1,286 (2 ) – – 1,284 At 31 December 2019 4,852 – – – 4,852 Allowance for impairment losses – – – – – Total loans and advances to banks 4,852 – – – 4,852 Loans and advances to customers Stage 1 Stage 2 Stage 3 Purchased or Total At 1 January 2019 420,968 25,308 5,397 15,391 467,064 Exchange and other adjustments 1 (312 ) (44 ) 26 283 (47 ) Additions (repayments) 13,690 (2,520 ) (857 ) (1,934 ) 8,379 Transfers to Stage 1 6,318 (6,286 ) (32 ) – Transfers to Stage 2 (13,052 ) 13,484 (432 ) – Transfers to Stage 3 (1,539 ) (1,437 ) 2,976 – (8,273 ) 5,761 2,512 – – Recoveries – – 396 28 424 Acquisition of portfolios 2 3,694 – – – 3,694 Financial assets that have been written off during the year – – (1,827 ) (54 ) (1,881 ) At 31 December 2019 429,767 28,505 5,647 13,714 477,633 Allowance for impairment losses (669 ) (993 ) (1,359 ) (142 ) (3,163 ) Total loans and advances to customers 429,098 27,512 4,288 13,572 474,470 Debt securities Stage 1 Stage 2 Stage 3 Purchased or Total At 1 January 2019 5,095 – 2 – 5,097 Exchange and other adjustments 1 (90 ) – (1 ) – (91 ) Additions (repayments) 320 – – – 320 At 31 December 2019 5,325 – 1 – 5,326 Allowance for impairment losses – – (1 ) – (1 ) Total debt securities 5,325 – – – 5,325 Due from fellow Lloyds Banking Group undertakings 1,854 – 43 – 1,897 Allowance for impairment losses – – (43 ) – (43 ) Due from fellow Lloyds Banking Group undertakings, net of impairment allowances 1,854 – – – 1,854 Total financial assets at amortised cost 441,129 27,512 4,288 13,572 486,501 Loans and advances to banks Stage 1 Stage 2 Stage 3 Purchased Total At 1 January 2018 4,182 2 – – 4,184 Exchange and other adjustments 58 – – – 58 Additions (repayments) 1,503 – – – 1,503 Disposal of businesses (2,052 ) – – – (2,052 ) At 31 December 2018 3,691 2 – – 3,693 Allowance for impairment losses (1 ) – – – (1 ) Total loans and advances to banks 3,690 2 – – 3,692 Stage 1 Stage 2 Stage 3 Purchased Total Loans and advances to customers At 1 January 2018 403,881 37,245 5,073 17,973 464,172 Exchange and other adjustments 787 (12 ) 65 – 840 Additions (repayments) 28,156 (2,128 ) (1,746 ) (2,609 ) 21,673 Transfers to Stage 1 19,521 (19,498 ) (23 ) – Transfers to Stage 2 (15,736 ) 15,989 (253 ) – Transfers to Stage 3 (1,971 ) (2,220 ) 4,191 – 1,814 (5,729 ) 3,915 – Recoveries – – 552 27 579 Disposal of businesses (13,670 ) (4,068 ) (884 ) – (18,622 ) Financial assets that have been written off during the year (1,578 ) – (1,578 ) At 31 December 2018 420,968 25,308 5,397 15,391 467,064 Allowance for impairment losses (518 ) (992 ) (1,432 ) (78 ) (3,020 ) Total loans and advances to customers 420,450 24,316 3,965 15,313 464,044 Stage 1 Stage 2 Stage 3 Purchased Total Debt securities At 1 January 2018 3,305 – 3 – 3,308 Exchange and other adjustments (103 ) – – – (103 ) Additions (repayments) 1,897 – – – 1,897 Financial assets that have been written off during the year – – (1 ) – (1 ) Disposal of businesses (4 ) – – – (4 ) At 31 December 2018 5,095 – 2 – 5,097 Allowance for impairment losses – – (2 ) – (2 ) Total debt securities 5,095 – – – 5,095 Due from fellow Lloyds Banking Group undertakings 1,878 – – – 1,878 Total financial assets at amortised cost 431,113 24,318 3,965 15,313 474,709 Year ended 31 December 2019 Loans and advances to banks Stage 1 Stage 2 Stage 3 Total At 1 January 2019 3,154 – – 3,154 Exchange and other adjustments (105 ) – – (105 ) Additions (repayments) 1,404 – – 1,404 At 31 December 2019 4,453 – – 4,453 Allowance for impairment losses – – – – Total loans and advances to banks 4,453 – – 4,453 Loans and advances to customers Stage 1 Stage 2 Stage 3 Total At 1 January 2019 160,379 11,006 2,464 173,849 Exchange and other adjustments (325 ) (14 ) – (339 ) Additions (repayments) 7,702 (1,424 ) (287 ) 5,991 Transfers to Stage 1 1 2,805 (2,782 ) (23 ) – Transfers to Stage 2 (4,236 ) 4,455 (219 ) – Transfers to Stage 3 (649 ) (560 ) 1,209 – (2,080 ) 1,113 967 – Recoveries – – 152 152 Financial assets that have been written off during the year (911 ) (911 ) At 31 December 2019 165,676 10,681 2,385 178,742 Allowance for impairment losses (238 ) (435 ) (500 ) (1,173 ) Total loans and advances to customers 165,438 10,246 1,885 177,569 Debt securities Stage 1 Stage 2 Stage 3 Total At 1 January 2019 4,960 – – 4,960 Exchange and other adjustments (91 ) – – (91 ) Additions (repayments) 372 – – 372 At 31 December 2019 5,241 – – 5,241 Allowance for impairment losses – – – – Total debt securities 5,241 – – 5,241 Due from fellow Lloyds Banking Group undertakings 202,295 – 55 202,350 Allowance for impairment losses (18 ) – (55 ) (73 ) Due from fellow Lloyds Banking Group undertakings, net of impairment allowances 202,277 – – 202,277 Total financial assets at amortised cost 377,409 10,246 1,885 389,540 Year ended 31 December 2018 Loans and advances to banks Stage 1 Stage 2 Stage 3 Total At 1 January 2018 3,526 – – 3,526 Exchange and other adjustments 48 – – 48 Additions (repayments) 1,569 – – 1,569 Disposal of businesses (1,989 ) – – (1,989 ) At 31 December 2018 3,154 – – 3,154 Allowance for impairment losses (1 ) – – (1 ) Total loans and advances to banks 3,153 – – 3,153 Stage 1 Stage 2 Stage 3 Total Loans and advances to customers At 1 January 2018 156,827 12,150 2,712 171,689 Exchange and other adjustments 679 – – 679 Additions (repayments) 15,676 (1,159 ) (900 ) 13,617 Transfers to Stage 1 1 7,763 (7,751 ) (12 ) – Transfers to Stage 2 (8,239 ) 8,458 (219 ) – Transfers to Stage 3 (1,103 ) (678 ) 1,781 – (1,579 ) 29 1,550 – Recoveries 197 197 Disposal of businesses (11,224 ) (14 ) (290 ) (11,528 ) Financial assets that have been written off during the year (805 ) (805 ) At 31 December 2018 160,379 11,006 2,464 173,849 Allowance for impairment losses (209 ) (502 ) (823 ) (1,534 ) Total loans and advances to customers 160,170 10,504 1,641 172,315 Stage 1 Stage 2 Stage 3 Total Debt securities At 1 January 2018 3,182 – – 3,182 Exchange and other adjustments (251 ) – – (251 ) Additions (repayments) 2,029 – – 2,029 At 31 December 2018 4,960 – – 4,960 Allowance for impairment losses – – – – Total debt securities 4,960 – – 4,960 Due from fellow Lloyds Banking Group undertakings 153,585 – – 153,585 Total financial assets at amortised cost 321,868 10,504 1,641 334,013 1 Exchange and other adjustments includes certain adjustments, prescribed by IFRS 9, in respect of purchased or originated credit-impaired financial assets. 2 Acquisition of portfolios in 2019 relates to the purchase, completed in September 2019, of Tesco Bank’s UK residential mortgage portfolio. 1 Includes the effect of the change in transfer criteria approach for mortgages.

FINANCE LEASE RECEIVABLES (Tabl

FINANCE LEASE RECEIVABLES (Tables)	12 Months Ended
	Dec. 31, 2019
Gross [member]
FINANCE LEASE RECEIVABLES (Tables) [Line Items]
Disclosure of maturity analysis of finance lease payments receivable [text block]	The Group’s finance lease receivables are classified as loans and advances to customers and accounted for at amortised cost. The balance is analysed as follows: The Group The Bank 2019 2018 2019 2018 Gross investment in finance leases, receivable: Not later than 1 year 484 460 70 121 Later than 1 year and not later than 2 years 340 516 6 52 Later than 2 years and not later than 3 years 174 455 6 39 Later than 3 years and not later than 4 years 138 199 6 20 Later than 4 years and not later than 5 years 201 177 5 17 Later than 5 years 695 877 – – 2,032 2,684 93 249 Unearned future finance income on finance leases (478 ) (976 ) – (6 ) Rentals received in advance (18 ) (22 ) – (49 ) Net investment in finance leases 1,536 1,686 93 194
Net [member]
FINANCE LEASE RECEIVABLES (Tables) [Line Items]
Disclosure of maturity analysis of finance lease payments receivable [text block]	The Group The Bank 2019 £m 2018 2019 £m 2018 Not later than 1 year 404 306 70 93 Later than 1 year and not later than 2 years 322 408 6 41 Later than 2 years and not later than 3 years 126 353 6 30 Later than 3 years and not later than 4 years 98 152 6 14 Later than 4 years and not later than 5 years 166 129 5 16 Later than 5 years 420 338 – – Net investment in finance leases 1,536 1,686 93 194

ALLOWANCE FOR IMPAIRMENT LOSS_2

ALLOWANCE FOR IMPAIRMENT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2019
ALLOWANCE FOR IMPAIRMENT LOSSES (Tables) [Line Items]
Disclosure of impairment of assets [text block]	Analysis of movement in the allowance for impairment losses by Stage. Purchased or The Group originated Stage 1 Stage 2 Stage 3 credit-impaired Total Year ended 31 December 2019 £m £m £m £m £m In respect of drawn balances At 1 January 2019 519 992 1,434 78 3,023 Exchange and other adjustments 10 (9 ) 29 283 313 Transfers to Stage 1 229 (222 ) (7 ) – – Transfers to Stage 2 (53 ) 92 (39 ) – – Transfers to Stage 3 (15 ) (140 ) 155 – – Impact of transfers between stages (175 ) 353 420 – 598 (14 ) 83 529 – 598 Other items charged to the income statement 154 (73 ) 894 (193 ) 782 Charge to the income statement (note 11) 140 10 1,423 (193 ) 1,380 Advances written off (1,827 ) (54 ) (1,881 ) Recoveries of advances written off in previous years 396 28 424 Discount unwind (52 ) – (52 ) At 31 December 2019 669 993 1,403 142 3,207 In respect of undrawn balances At January 2019 121 63 6 – 190 Exchange and other adjustments (1 ) 1 – – – Transfers to Stage 1 19 (19 ) – – Transfers to Stage 2 (4 ) 4 – – Transfers to Stage 3 (1 ) (3 ) 4 – Impact of transfers between stages (17 ) 24 (1 ) 6 (3 ) 6 3 – 6 Other items charged to the income statement (26 ) 7 (4 ) – (23 ) Charge to the income statement (note 11) (29 ) 13 (1 ) – (17 ) At 31 December 2019 91 77 5 – 173 Total at 31 December 2019 760 1,070 1,408 142 3,380 In respect of: Loans and advances to banks – – – – – Loans and advances to customers 669 993 1,359 142 3,163 Debt securities – – 1 – 1 Due from fellow Lloyds Banking Group undertakings – – 43 – 43 Financial assets at amortised cost 669 993 1,403 142 3,207 Provisions in relation to loan commitments and financial guarantees 91 77 5 – 173 Total 760 1,070 1,408 142 3,380 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) – – – – – Purchased or originated The Group credit- Stage 1 Stage 2 Stage 3 impaired Total Year ended 31 December 2018 £m £m £m £m £m In respect of drawn balances Balance at 1 January 2018 590 1,147 1,455 32 3,224 Exchange and other adjustments 1 – 118 – 119 Transfers to Stage 1 304 (299 ) (5 ) – Transfers to Stage 2 (46 ) 85 (39 ) – Transfers to Stage 3 (32 ) (131 ) 163 – Impact of transfers between stages (231 ) 368 324 461 (5 ) 23 443 461 Other items charged to the income statement (59 ) (76 ) 686 – 551 Charge to the income statement (note 11) (64 ) (53 ) 1,129 – 1,012 Advances written off (1,579 ) – (1,579 ) Disposal of businesses 1 (8 ) (102 ) (183 ) – (293 ) Recoveries of advances written off in previous years 552 27 579 Discount unwind (58 ) 19 (39 ) At 31 December 2018 519 992 1,434 78 3,023 In respect of undrawn balances Balance at 1 January 2018 147 126 – – 273 Exchange and other adjustments (6 ) (15 ) 10 – (11 ) Transfers to Stage 1 28 (28 ) – – Transfers to Stage 2 (6 ) 6 – – Transfers to Stage 3 (2 ) (5 ) 7 – Impact of transfers between stages (25 ) 22 (5 ) (8 ) (5 ) (5 ) 2 (8 ) Other items charged to the income statement (15 ) (43 ) (6 ) – (64 ) Charge to the income statement (20 ) (48 ) (4 ) – (72 ) At 31 December 2018 121 63 6 – 190 Total at 31 December 2018 640 1,055 1,440 78 3,213 In respect of: Loans and advances to banks 1 – – – 1 Loans and advances to customers 518 992 1,432 78 3,020 Debt securities – – 2 – 2 Financial assets at amortised cost 519 992 1,434 78 3,023 Provisions in relation to loan commitments and financial guarantees 121 63 6 – 190 Total 640 1,055 1,440 78 3,213 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) 1 – – – 1 The Bank Stage 1 Stage 2 Stage 3 Total Year ended 31 December 2019 £m £m £m £m In respect of drawn balances At 1 January 2019 255 502 823 1,580 Exchange and other adjustments – – (33 ) (33 ) Transfers to Stage 1 113 (109 ) (4 ) – Transfers to Stage 2 (17 ) 33 (16 ) – Transfers to Stage 3 (7 ) (68 ) 75 – Impact of transfers between stages (96 ) 127 227 258 (7 ) (17 ) 282 258 Other items charged to the income statement 8 (50 ) 274 232 Charge to the income statement 1 (67 ) 556 490 Advances written off (911 ) (911 ) Recoveries of advances written off in previous years 152 152 Discount unwind (32 ) (32 ) At 31 December 2019 256 435 555 1,246 In respect of undrawn balances At January 2019 41 32 3 76 Exchange and other adjustments – – – – Transfers to Stage 1 8 (8 ) – – Transfers to Stage 2 (2 ) 2 – – Transfers to Stage 3 – (2 ) 2 – Impact of transfers between stages (7 ) 15 (1 ) 7 (1 ) 7 1 7 Other items charged to the income statement 4 3 – 7 Charge to the income statement 3 10 1 14 At 31 December 2019 44 42 4 90 Total at 31 December 2019 300 477 559 1,336 In respect of: Loans and advances to banks – – – – Loans and advances to customers 238 435 500 1,173 Debt securities – – – – Due from fellow Lloyds Banking Group undertakings 18 – 55 73 Financial assets at amortised cost 256 435 555 1,246 Provisions in relation to loan commitments and financial guarantees 44 42 4 90 Total 300 477 559 1,336 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) – – – – The Bank Stage 1 Stage 2 Stage 3 Total Year ended 31 December 2018 £m £m £m £m In respect of drawn balances Balance at 1 January 2018 326 541 761 1,628 Exchange and other adjustments 8 – 42 50 Transfers to Stage 1 138 (136 ) (2 ) – Transfers to Stage 2 (22 ) 43 (21 ) – Transfers to Stage 3 (19 ) (74 ) 93 – Impact of transfers between stages (116 ) 172 156 212 (19 ) 5 226 212 Other items charged to the income statement (54 ) (44 ) 439 341 Charge to the income statement (73 ) (39 ) 665 553 Advances written off (805 ) (805 ) Disposal of businesses 1 (6 ) – (4 ) (10 ) Recoveries of advances written off in previous years 197 197 Discount unwind (33 ) (33 ) At 31 December 2018 255 502 823 1,580 In respect of undrawn balances Balance at 1 January 2018 70 54 – 124 Exchange and other adjustments 1 (9 ) 6 (2 ) Transfers to Stage 1 12 (12 ) – – Transfers to Stage 2 (3 ) 3 – – Transfers to Stage 3 (1 ) (2 ) 3 – Impact of transfers between stages (11 ) 10 (3 ) (4 ) (3 ) (1 ) – (4 ) Other items charged to the income statement (27 ) (12 ) (3 ) (42 ) Charge to the income statement (30 ) (13 ) (3 ) (46 ) At 31 December 2018 41 32 3 76 Total at 31 December 2018 296 534 826 1,656 In respect of: Loans and advances to banks 1 – – 1 Loans and advances to customers 209 502 823 1,534 Due from fellow Lloyds Banking Group undertakings 45 – – 45 Financial assets at amortised cost 255 502 823 1,580 Provisions in relation to loan commitments and financial guarantees 41 32 3 76 Total 296 534 826 1,656 Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item) 1 – – 1 1 Reflected the transfer of assets to Lloyds Bank Corporate Markets plc and the sale of the Group’s Irish mortgage portfolio. 1 Reflects the transfer of assets to Lloyds Bank Corporate Markets plc.
Impairment charged to the income statement
ALLOWANCE FOR IMPAIRMENT LOSSES (Tables) [Line Items]
Disclosure of impairment [text block]	The Group income statement charge comprises: 2019 2018 £m £m Drawn balances 1,380 1,012 Undrawn balances (17 ) (72 ) Financial assets at fair value through other comprehensive income (1 ) (14 ) Total 1,362 926

FINANCIAL ASSETS AT FAIR VALU_4

FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2019
Financial assets at fair value through profit or loss, classified as held for trading, category [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Tables) [Line Items]
Disclosure of fair value of investments in equity instruments designated at fair value through other comprehensive income [text block]	The Group The Bank 2019 2018 2019 2018 £m £m £m £m Debt securities: Government securities 13,082 18,971 12,938 18,831 Asset-backed securities 60 57 – 5 Corporate and other debt securities 11,036 5,119 8,783 4,151 24,178 24,147 21,721 22,987 Treasury and other bills 439 221 439 221 Total financial assets at fair value through other comprehensive income 24,617 24,368 22,160 23,208

GOODWILL OF THE GROUP (Tables)

GOODWILL OF THE GROUP (Tables)	12 Months Ended
	Dec. 31, 2019
The Group [member]
GOODWILL OF THE GROUP (Tables) [Line Items]
Disclosure of reconciliation of changes in goodwill [text block]	2019 2018 £m £m At 1 January and 31 December 474 474 Cost 1 814 828 Accumulated impairment losses (340 ) (354 ) At 31 December 474 474 1 For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003.

OTHER INTANGIBLE ASSETS (Tables

OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of intangible assets [text block] [Abstract]
Disclosure of detailed information about intangible assets [text block]	The Group The Bank Brands Core deposit Purchased Customer Capitalised Total Capitalised Cost: At 1 January 2018 596 2,770 1,017 471 2,661 7,515 2,331 Transfers in – – – – 324 324 – Additions – – – – 1,020 1,020 977 Disposals and write-offs – – (15 ) – (52 ) (67 ) (2 ) Disposal of business (12 ) – – (421 ) (46 ) (479 ) – At 31 December 2018 584 2,770 1,002 50 3,907 8,313 3,306 Additions – – – – 1,029 1,029 978 Disposals and write-offs – – – – (10 ) (10 ) (4 ) At 31 December 2019 584 2,770 1,002 50 4,926 9,332 4,280 Accumulated amortisation: At 1 January 2018 193 2,770 355 452 1,079 4,849 916 Transfers in – – – – 117 117 – Charge for the year 23 – 71 12 394 500 328 Disposals and write-offs – – (15 ) – (34 ) (49 ) – Disposal of business (12 ) – – (414 ) – (426 ) – At 31 December 2018 204 2,770 411 50 1,556 4,991 1,244 Charge for the year (note 9) – – 70 – 492 562 420 Disposals and write-offs – – – – (2 ) (2 ) (2 ) At 31 December 2019 204 2,770 481 50 2,046 5,551 1,662 Balance sheet amount at 31 December 2019 380 – 521 – 2,880 3,781 2,618 Balance sheet amount at 31 December 2018 380 – 591 – 2,351 3,322 2,062

PROPERTY, PLANT AND EQUIPMENT (

PROPERTY, PLANT AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of property, plant and equipment [text block] [Abstract]
Disclosure of detailed information about property, plant and equipment [text block]	The Group The Bank Investment Premises Equipment Operating Right-of- 1 Total Premises Equipment Operating Right-of- 1 Total Cost or valuation: At 1 January 2018 50 1,763 5,055 6,528 13,396 1,626 6,172 130 7,928 Exchange and other adjustments – – – 9 9 14 (6 ) 4 12 Additions – 71 516 1,754 2,341 57 452 – 509 Expenditure on investment properties (see below) 17 – – – 17 – – – – Disposals (32 ) (643 ) (571 ) (1,538 ) (2,784 ) (422 ) (351 ) (134 ) (907 ) Disposal of business – (11 ) (34 ) (111 ) (156 ) – – – – At 31 December 2018 35 1,180 4,966 6,642 12,823 1,275 6,267 – 7,542 Adjustment on adoption of IFRS 16 (note 49) – – – – 1,655 1,655 – – – 883 883 Balance at 1 January 2019 35 1,180 4,966 6,642 1,655 14,478 1,275 6,267 – 883 8,425 Exchange and other adjustments – 3 4 – – 7 21 – – – 21 Additions – 118 518 1,693 183 2,512 62 484 – 114 660 Expenditure on investment properties (see below) 11 – – – – 11 – – – – – Change in fair value of investment properties (8 ) – – – – (8 ) – – – – – Disposals (23 ) (243 ) (231 ) (1,681 ) (25 ) (2,203 ) (271 ) (210 ) – (16 ) (497 ) At 31 December 2019 15 1,058 5,257 6,654 1,813 14,797 1,087 6,541 – 981 8,609 Accumulated depreciation and impairment: At 1 January 2018 – 711 2,117 1,506 4,334 1,023 3,632 21 4,676 Exchange and other adjustments – – – 4 4 5 (4 ) – 1 Depreciation charge for the year – 121 713 1,015 1,849 62 639 2 703 Disposals – (628 ) (534 ) (595 ) (1,757 ) (403 ) (352 ) (23 ) (778 ) Disposal of business – (5 ) (26 ) (91 ) (122 ) – – – – At 31 December 2018 – 199 2,270 1,839 4,308 687 3,915 – 4,602 Exchange and other adjustments – – (1 ) (33 ) 1 (33 ) 8 – – 3 11 Depreciation charge for the year (note 9) – 121 710 1,006 203 2,040 67 648 – 110 825 Disposals – (225 ) (176 ) (584 ) – (985 ) (257 ) (166 ) – – (423 ) At 31 December 2019 – 95 2,803 2,228 204 5,330 505 4,397 – 113 5,015 Balance sheet amount at 31 December 2019 15 963 2,454 4,426 1,609 9,467 582 2,144 – 868 3,594 Balance sheet amount at 31 December 2018 35 981 2,696 4,803 – 8,515 588 2,352 – – 2,940 1 Primarily premises.
Disclosure of detailed information about investment property [text block]	Expenditure on investment properties is comprised as follows: 2019 2018 Acquisitions of new properties 11 17 Additional expenditure on existing properties – – 11 17
Disclosure Of Minimum Lease Payments Receivable Under Noncancellable Operating Lease Explanatory	At 31 December the future minimum rentals receivable by the Group under non-cancellable operating leases were as follows: 2019 2018 Receivable within 1 year 977 1,095 1 to 2 years 620 681 2 to 3 years 312 332 3 to 4 years 102 113 4 to 5 years 12 30 Over 5 years 2 6 Total future minimum rentals receivable 2,025 2,257

INVESTMENT IN SUBSIDIARY UNDE_2

INVESTMENT IN SUBSIDIARY UNDERTAKINGS OF THE BANK (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of interests in subsidiaries [text block] [Abstract]
Disclosure of subsidiaries [text block]	2019 2018 At 1 January 32,656 32,878 Additions and capital injections 1,766 110 Capital contributions 53 73 Capital repayments (212 ) (210 ) Disposals (20 ) (103 ) Impairment 1 (159 ) (92 ) At 31 December 34,084 32,656 1 During the year ended 31 December 2019 the Bank wrote-down the carrying value of its investments in certain subsidiaries, following a review of their financial position and anticipated future activities.

OTHER ASSETS (Tables)

OTHER ASSETS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of other non-current assets [text block] [Abstract]
Disclosure of prepayments and other assets [text block]	The Group The Bank 2019 2018 2019 2018 Settlement balances 490 223 437 150 Investments in joint ventures and associates 3 5 5 5 Other assets and prepayments 2,034 2,011 556 694 Total other assets 2,527 2,239 998 849

FINANCIAL LIABILITIES AT FAIR_2

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Tables)	12 Months Ended
	Dec. 31, 2019
Financial liabilities at fair value through profit or loss, category [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Tables) [Line Items]
Disclosure of financial instruments designated at fair value through profit or loss [text block]	The Group The Bank 2019 2018 2019 2018 Liabilities designated at fair value through profit or loss: debt securities in issue 7,531 7,085 7,484 7,032 Trading liabilities: Liabilities in respect of securities sold under repurchase agreements – 10,258 – 10,258 Other deposits 98 270 140 362 Short positions in securities 73 117 73 67 171 10,645 213 10,687 Financial liabilities at fair value through profit or loss 7,702 17,730 7,697 17,719

DEBT SECURITIES IN ISSUE (Table

DEBT SECURITIES IN ISSUE (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of debt instruments [text block] [Abstract]
Disclosure of Debt Securities in Issue [Text Block]	The Group The Bank 2019 2018 2019 2018 Medium-term notes issued 26,628 17,314 25,603 16,221 Covered bonds (note 27) 29,818 28,194 25,359 22,351 Certificates of deposit issued 4,925 6,667 4,925 6,667 Securitisation notes (note 27) 7,329 5,480 – – Commercial paper 7,731 6,878 5,622 4,548 Total debt securities in issue 76,431 64,533 61,509 49,787

SECURITISATIONS AND COVERED B_2

SECURITISATIONS AND COVERED BONDS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure Of Securitisations Programmes And Transactions [Abstract]
Information about Securitisation programmes and transactions	The Group’s principal securitisation and covered bonds programmes, together with the balances of the advances subject to these arrangements and the carrying value of the notes in issue at 31 December, are listed below. The notes in issue are reported in note 26. 2019 2018 Loans and Notes in issue Loans and Notes in issue Securitisation programmes UK residential mortgages 25,815 23,505 25,018 22,485 Commercial loans 5,116 6,038 5,746 6,577 Credit card receivables 8,164 5,767 8,060 5,263 Motor vehicle finance 3,450 3,462 2,850 2,855 42,545 38,772 41,674 37,180 Less held by the Group (31,396 ) (31,647 ) Total securitisation programmes 1 7,376 5,533 Covered bond programmes Residential mortgage-backed 37,579 29,318 34,963 27,694 Social housing loan-backed 1,552 600 1,839 1,200 39,131 29,918 36,802 28,894 Less held by the Group (100 ) (700 ) Total covered bond programmes 29,818 28,194 Total securitisation and covered bond programmes 37,194 33,727 1 Includes £47 million (2018: £53 million) of securitisation notes held at fair value through profit or loss.

OTHER LIABILITIES (Tables)

OTHER LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of other liabilities [text block] [Abstract]
Disclosure Of Other Liabilities	The Group The Bank 2019 2018 2019 2018 Settlement balances 274 30 9 32 Lease liabilities 1,755 46 975 46 Other creditors and accruals 3,571 4,259 1,808 3,444 5,600 4,335 2,792 3,522
Disclosure of maturity analysis of operating lease payments [text block]	The maturity of the lease liabilities was as follows The Group The Bank 2019 2018 2019 2018 Not later than 1 year 238 10 132 10 Later than 1 year and not later than 2 years 220 9 124 9 Later than 2 years and not later than 3 years 192 7 106 7 Later than 3 years and not later than 4 years 156 6 84 6 Later than 4 years and not later than 5 years 156 2 84 2 Later than 5 years 793 12 445 12 1,755 46 975 46

RETIREMENT BENEFIT OBLIGATIONS

RETIREMENT BENEFIT OBLIGATIONS (Tables)	12 Months Ended
	Dec. 31, 2019
Movements in the defined benefit obligation [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The Group The Bank 2019 2018 2019 2018 Movements in the defined benefit obligation At 1 January (41,092 ) (43,136 ) (25,198 ) (27,041 ) Current service cost (201 ) (257 ) (98 ) (119 ) Interest expense (1,172 ) (1,119 ) (737 ) (689 ) Remeasurements: Actuarial losses – experience (29 ) (439 ) 35 (333 ) Actuarial (losses) gains – demographic assumptions 471 (201 ) 304 (188 ) Actuarial gains (losses) – financial assumptions (5,400 ) 2,281 (3,812 ) 1,281 Benefits paid 2,174 3,036 1,436 1,965 Past service cost (44 ) (108 ) (33 ) (66 ) Settlements 17 17 – – Curtailments – (12 ) – (4 ) Transfer of subsidiary – (1,154 ) – – Exchange and other adjustments 35 – 31 (4 ) At 31 December (45,241 ) (41,092 ) (28,072 ) (25,198 )
Defined Benefit Obligation, Category [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of analysis of present value of defined benefit obligation that distinguishes nature, characteristics and risks [text block]	The Group The Bank 2019 2018 2019 2018 Analysis of the defined benefit obligation: Active members (6,413 ) (6,448 ) (3,433 ) (3,487 ) Deferred members (16,058 ) (14,208 ) (9,679 ) (8,608 ) Pensioners (21,032 ) (18,885 ) (13,714 ) (11,971 ) Dependants (1,738 ) (1,551 ) (1,246 ) (1,132 ) (45,241 ) (41,092 ) (28,072 ) (25,198 )
Changes in the fair value of scheme assets [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Changes in the fair value of scheme assets At 1 January 42,238 43,722 25,865 27,674 Return on plan assets excluding amounts included in interest income 3,531 (1,529 ) 2,700 (983 ) Interest income 1,220 1,141 765 710 Employer contributions 1,062 827 558 451 Benefits paid (2,174 ) (3,036 ) (1,436 ) (1,965 ) Settlements (18 ) (18 ) – – Administrative costs paid (43 ) (40 ) (26 ) (25 ) Transfer of subsidiary – 1,145 – – Exchange and other adjustments (25 ) 26 (7 ) 3 At 31 December 45,791 42,238 28,419 25,865
Composition of Scheme Assets [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	2019 2018 The Group Quoted £m Unquoted £m Total £m Quoted Unquoted Total Equity instruments 555 39 594 637 222 859 Debt instruments 1 Fixed interest government bonds 8,893 – 8,893 7,449 – 7,449 Index-linked government bonds 18,207 – 18,207 16,477 – 16,477 Corporate and other debt securities 10,588 – 10,588 8,813 – 8,813 Asset-backed securities – – – 138 – 138 37,688 – 37,688 32,877 – 32,877 Property – 158 158 – 556 556 Pooled investment vehicles 4,773 10,585 15,358 4,578 10,494 15,072 Money market instruments, derivatives, cash and 204 (8,211 ) (8,007 ) (283 ) (6,843 ) (7,126 ) At 31 December 43,220 2,571 45,791 37,809 4,429 42,238 2019 2018 The Bank Quoted £m Unquoted £m Total £m Quoted Unquoted Total Equity instruments 385 26 411 299 215 514 Debt instruments 1 Fixed interest government bonds 3,198 – 3,198 2,570 – 2,570 Index-linked government bonds 11,254 – 11,254 10,236 – 10,236 Corporate and other debt securities 6,791 – 6,791 5,987 – 5,987 21,243 – 21,243 18,793 – 18,793 Pooled investment vehicles 2,527 7,203 9,730 2,405 7,192 9,597 Money market instruments, derivatives, cash and other assets and liabilities (145 ) (2,820 ) (2,965 ) (589 ) (2,450 ) (3,039 ) At 31 December 24,010 4,409 28,419 20,908 4,957 25,865
Composition of Pension Scheme Pooled Investment Vechiles [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The pension schemes’ pooled investment vehicles comprise: The Group The Bank 2019 £m 2018 2019 £m 2018 Equity funds 2,429 2,329 1,706 1,705 Hedge and mutual funds 2,886 2,487 1,818 1,488 Liquidity funds 1,126 2,329 980 1,336 Bond and debt funds 971 313 211 – Other 7,946 7,614 5,015 5,068 At 31 December 15,358 15,072 9,730 9,597
Actuarial and Financial Assumptions [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The principal actuarial and financial assumptions used in valuations of the defined benefit pension schemes were as follows: 2019 % 2018 Discount rate 2.05 2.90 Rate of inflation: Retail Prices Index 2.94 3.20 Consumer Price Index 1.99 2.15 Rate of salary increases 0.00 0.00 Weighted-average rate of increase for pensions in payment 2.57 2.73
Defined Benefit Plan Member Life Expectancy [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	2019 Years 2018 Life expectancy for member aged 60, on the valuation date: Men 27.5 27.8 Women 29.2 29.4 Life expectancy for member aged 60, 15 years after the valuation date: Men 28.5 28.8 Women 30.3 30.6
Change in Assumptions for Defined Benefit Plans [Member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	Effect of reasonably possible alternative assumptions Increase (decrease) in the income statement charge (Increase) decrease in the net defined benefit pension scheme surplus 2019 £m 2018 2019 £m 2018 Inflation (including pension increases): 1 Increase of 0.1 per cent 12 14 467 410 Decrease of 0.1 per cent (12 ) (14 ) (460 ) (395 ) Discount rate: 2 Increase of 0.1 per cent (20 ) (27 ) (763 ) (670 ) Decrease of 0.1 per cent 21 25 784 686 Expected life expectancy of members: Increase of one year 40 43 1,636 1,299 Decrease of one year (39 ) (42 ) (1,575 ) (1,257 )
Weighted Average Duration of Defined Benefit Obligations [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The following table provides information on the weighted average duration of the defined benefit pension obligations and the distribution and timing of benefit payments: The Group The Bank 2019 Years 2018 2019 Years 2018 Duration of the defined benefit obligation 18 18 16 17
Defined Benefit Obligation, Maturity Analysis [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The Group The Bank 2019 £m 2018 2019 £m 2018 Maturity analysis of benefits expected to be paid: Within 12 months 1,274 1,225 892 839 Between 1 and 2 years 1,373 1,299 963 900 Between 2 and 5 years 4,455 4,303 3,086 2,952 Between 5 and 10 years 8,426 8,305 5,673 5,543 Between 10 and 15 years 9,229 9,416 5,962 6,044 Between 15 and 25 years 17,400 18,417 10,603 11,052 Between 25 and 35 years 13,999 15,631 8,044 8,834 Between 35 and 45 years 8,291 9,924 4,266 5,074 In more than 45 years 3,160 4,270 1,208 1,661
Movements in Other Post-Retirement Benefit Obligations [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	Movements in the other post-retirement benefits obligation: The Group The Bank 2019 £m 2018 2019 2018 At 1 January (124 ) (144 ) (84 ) (103 ) Actuarial gains (6 ) 18 (3 ) 17 Insurance premiums paid 7 5 5 4 Charge for the year (4 ) (4 ) (2 ) (3 ) Exchange and other adjustments 1 1 (1 ) 1 At 31 December (126 ) (124 ) (85 ) (84 )
Consolidated Income Statement [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The expense recognised in the income statement for the year ended 31 December comprises: The Group 2019 £m 2018 £m Current service cost 201 257 Net interest amount (48 ) (22 ) Past service credits and curtailments – 12 Settlements 1 1 Past service cost – plan amendments 44 108 Plan administration costs incurred during the year 43 40 Total defined benefit pension expense 241 396
Consolidated Income Statement [member] | Defined Benefit Schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	2019 £m 2018 £m 2017 £m Charge to the Group income statement Defined benefit pension schemes 241 396 334 Other post-retirement benefit schemes 4 4 7 Total defined benefit schemes 245 400 341 Defined contribution pension schemes 273 288 242 Total charge to the income statement – continuing operations (note 9) 518 688 583
Consolidated Balance Sheet [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The Group The Bank 2019 2018 2019 2018 Amount included in the balance sheet Present value of funded obligations (45,241 ) (41,092 ) (28,072 ) (25,198 ) Fair value of scheme assets 45,791 42,238 28,419 25,865 Net amount recognised in the balance sheet 550 1,146 347 667
Consolidated Balance Sheet [member] | Defined Benefit Schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The total amount recognised in the balance sheet relates to: The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Defined benefit pension schemes 550 1,146 347 667 Other post-retirement benefit schemes (126 ) (124 ) (85 ) (84 ) Total amounts recognised in the balance sheet 424 1,022 262 583
Consolidated Balance Sheet [member] | Defined Benefit Assets and Obligations [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Amounts recognised in the balance sheet Retirement benefit assets 681 1,267 386 704 Retirement benefit obligations (257 ) (245 ) (124 ) (121 ) Total amounts recognised in the balance sheet 424 1,022 262 583
Consolidated Balance Sheet [member] | Net amount recognised in the balance sheet [member]
RETIREMENT BENEFIT OBLIGATIONS (Tables) [Line Items]
Disclosure of defined benefit plans [text block]	The Group The Bank 2019 £m 2018 £m 2019 £m 2018 £m Net amount recognised in the balance sheet At 1 January 1,146 586 667 633 Net defined benefit pension charge (241 ) (396 ) (129 ) (193 ) Actuarial gains (losses) on defined benefit obligation (4,958 ) 1,641 (3,473 ) 760 Return on plan assets 3,531 (1,529 ) 2,700 (983 ) Employer contributions 1,062 827 558 451 Transfer of subsidiary 1 – (9 ) – – Exchange and other adjustments 10 26 24 (1 ) At 31 December 550 1,146 347 667

DEFERRED TAX (Tables)

DEFERRED TAX (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of deferred taxes [text block] [Abstract]
Disclosure Of Deferred Taxes	The Group’s and the Bank’s deferred tax assets and liabilities are as follows: The Group The Bank 2019 £m 2018 2019 £m 2018 Statutory position Deferred tax assets 3,366 3,222 2,029 1,984 Deferred tax liabilities – – – – Net deferred tax asset 3,366 3,222 2,029 1,984 Tax disclosure Deferred tax assets 4,710 4,738 2,715 2,732 Deferred tax liabilities (1,344 ) (1,516 ) (686 ) (748 ) Net deferred tax asset 3,366 3,222 2,029 1,984
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	Movements in deferred tax liabilities and assets (before taking into consideration the offsetting of balances within the same taxing jurisdiction) can be summarised as follows: The Group Deferred tax assets Tax losses Property, Pension Provisions Share-based Derivatives Other Total At 1 January 2018 4,011 715 79 355 35 – 11 5,206 (Charge) credit to the income statement (228 ) (69 ) 92 (21 ) (2 ) – (5 ) (233 ) Credit to other comprehensive income – – (92 ) (138 ) – – – (230 ) Impact of acquisitions and disposals – – – – (5 ) – – (5 ) At 31 December 2018 3,783 646 79 196 28 – 6 4,738 (Charge) credit to the income statement (183 ) 3 (100 ) (87 ) 4 19 126 (218 ) Credit to other comprehensive income – – 74 116 – – – 190 At 31 December 2019 3,600 649 53 225 32 19 132 4,710 Deferred tax liabilities Acquisition Pension Derivatives Asset 1 Other Total At 1 January 2018 (832 ) (181 ) (492 ) (201 ) (94 ) (1,800 ) (Charge) credit to the income statement 134 (67 ) (33 ) (37 ) 1 (2 ) (Charge) credit to other comprehensive income – (25 ) 137 137 – 249 Impact of acquisitions and disposals – – – – 34 34 Exchange and other adjustments – – – – 3 3 At 31 December 2018 (698 ) (273 ) (388 ) (101 ) (56 ) (1,516 ) (Charge) credit to the income statement 215 59 (34 ) (21 ) (53 ) 166 (Charge) credit to other comprehensive income – 64 (140 ) 84 – 8 Exchange and other adjustments – – – – (2 ) (2 ) At 31 December 2019 (483 ) (150 ) (562 ) (38 ) (111 ) (1,344 ) The Bank Tax losses Property, plant Pension Provisions Share-based Other Total At 1 January 2018 2,433 404 40 198 25 5 3,105 (Charge) credit to the income statement (149 ) (60 ) 60 (7 ) (5 ) (4 ) (165 ) Credit to other comprehensive income – – (70 ) (138 ) – – (208 ) At 31 December 2018 2,284 344 30 53 20 1 2,732 (Charge) credit to the income statement (86 ) (20 ) (57 ) (41 ) (1 ) 12 (193 ) Charge to other comprehensive income – – 60 116 – – 176 At 31 December 2019 2,198 324 33 128 19 13 2,715 Deferred tax liabilities Pension Derivatives Asset 1 Other Total At 1 January 2018 (175 ) (518 ) (203 ) (63 ) (959 ) (Charge) credit to the income statement (45 ) – (14 ) 32 (27 ) (Charge) credit to other comprehensive income 44 87 114 – 245 Exchange and other adjustments – – – (7 ) (7 ) At 31 December 2018 (176 ) (431 ) (103 ) (38 ) (748 ) (Charge) credit to the income statement 59 – (19 ) 17 57 Credit to other comprehensive income 20 (105 ) 86 (1 ) – Exchange and other adjustments – – – 5 5 At 31 December 2019 (97 ) (536 ) (36 ) (17 ) (686 ) 1 Financial assets at fair value through other comprehensive income. 1 Financial assets at fair value through other comprehensive income.

OTHER PROVISIONS (Tables)

OTHER PROVISIONS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of other provisions [text block] [Abstract]
Disclosure of other provisions [text block]	Provisions Payment Other regulatory Other Total The Group £m £m £m £m £m At 31 December 2018 190 2,201 707 927 4,025 Adjustment on adoption of IFRS 16 (note 49) (97 ) (97 ) Balance at 1 January 2019 830 3,928 Exchange and other adjustments – 335 – (5 ) 330 Provisions applied – (2,457 ) (707 ) (445 ) (3,609 ) Charge for the year (17 ) 1,795 395 316 2,489 At 31 December 2019 173 1,874 395 696 3,138 Provisions Payment Other regulatory Other Total The Bank £m £m £m £m £m At 31 December 2018 76 919 253 671 1,919 Adjustment on adoption of IFRS 16 (note 49) (67 ) (67 ) Balance at 1 January 2019 604 1,852 Exchange and other adjustments – – – 2 2 Provisions applied – (1,156 ) (229 ) (303 ) (1,688 ) Charge for the year 14 859 137 260 1,270 At 31 December 2019 90 622 161 563 1,436

SUBORDINATED LIABILITIES (Table

SUBORDINATED LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of subordinated liabilities [text block] [Abstract]
Disclosure of movement in subordinated liabilities [text block]	The movement in subordinated liabilities during the year was as follows: Preferred Undated Dated Total The Group £m £m £m £m At 1 January 2018 3,721 504 10,557 14,782 Issued during the year: Floating Rate Subordinated Callable Notes 2028 – – 201 201 Repurchases and redemptions during the year 1 6.461% Guaranteed Non-voting Non-cumulative Perpetual Preferred Securities (600 ) – – (600 ) Undated Perpetual Preferred Securities (14 ) – – (14 ) 10.5% Subordinated Bonds callable 2018 – – (150 ) (150 ) 6.75% Subordinated Fixed Rate Notes callable 2018 – – (1,492 ) (1,492 ) (614 ) – (1,642 ) (2,256 ) Foreign exchange movements 108 20 247 375 Other movements (all non-cash) (5 ) 5 (357 ) (357 ) At 31 December 2018 3,210 529 9,006 12,745 Issued during the year: 4.1378% Dated Subordinated Notes due 2026 – – 492 492 2.68229% Dated Subordinated Notes due 2038 – – 70 70 2.0367% Dated Subordinated Notes due 2028 – – 218 218 – – 780 780 Repurchases and redemptions during the year 1 13% Step-up Perpetual Capital Securities callable 2019 (49 ) – – (49 ) 10.375% Subordinated Fixed to Fixed Rate Notes 2024 callable 2019 – – (135 ) (135 ) 9.375% Subordinated Bonds 2021 – – (328 ) (328 ) 6.375% Subordinated Instruments 2019 – – (250 ) (250 ) (49 ) – (713 ) (762 ) Foreign exchange movements (83 ) (36 ) (276 ) (395 ) Other movements (all non-cash) 189 23 6 218 At 31 December 2019 3,267 516 8,803 12,586 Preferred Undated Dated Total The Bank £m £m £m £m At 1 January 2018 2,251 418 6,672 9,341 Foreign exchange movements 88 19 203 310 Other movements (all non-cash) (27 ) – (96 ) (123 ) At 31 December 2018 2,312 437 6,779 9,528 Issued in the year: 4.1378% Dated Subordinated Notes due 2026 – – 492 492 2.68229% Dated Subordinated Notes due 2038 – – 70 70 2.0367% Dated Subordinated Notes due 2028 – – 218 218 – – 780 780 Repurchases and redemptions during the year 1 13% Step-up Perpetual Capital Securities callable 2019 (49 ) – – (49 ) 10.375% Subordinated Fixed to Fixed Rate Notes 2024 callable 2019 – – (135 ) (135 ) (49 ) – (135 ) (184 ) Foreign exchange movements (57 ) (12 ) (206 ) (275 ) Other movements (all non-cash) 28 – 32 60 At 31 December 2019 2,234 425 7,250 9,909 1 The repurchases and redemptions in the year resulted in cash outflows of £762 million (2018: £2,256 million). 1 The repurchases and redemptions in 2019 resulted in cash outflows of £184 million.

SHARE CAPITAL (Tables)

SHARE CAPITAL (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of classes of share capital [text block] [Abstract]
Disclosure of authorised share capital [text block]	Group and Bank 2019 2018 2017 £m £m £m Sterling 1,650 million ordinary shares of £1 each 1,650 1,650 1,650 1 cumulative floating rate Preference share of £1 – – – 100 6 per cent Non-Cumulative Redeemable Preference shares of £1 each – – – 175 million Preference shares of 25p each 44 44 44 1,694 1,694 1,694 US dollars US$m US$m US$m 160 million Preference shares of 25 cents each 40 40 40 Euro €m €m €m 160 million Preference shares of 25 cents each 40 40 40 Japanese yen ¥m ¥m ¥m 50 million Preference shares of ¥25 each 1,250 1,250 1,250
Issued and fully paid ordinary shares [text block]	2019 2018 2017 2019 2018 2017 Sterling Ordinary shares of £1 each At 1 January and 31 December 1,574,285,751 1,574,285,751 1,574,285,751 1,574 1,574 1,574

SHARE PREMIUM ACCOUNT (Tables)

SHARE PREMIUM ACCOUNT (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure For Share Premium Account Explanatory [Abstract]
Disclosure of share premium accounts	Group and Bank 2019 2018 2017 £m £m £m At 1 January 600 600 – Redemption of preference shares 1 – – 600 At 31 December 600 600 600 1 During the year ended 31 December 2017, the Bank redeemed all of its outstanding 6.369% Fixed/Floating Rate Non-Cumulative Preference Shares Callable 2015 which had been accounted for as subordinated liabilities. On redemption an amount of £600 million was transferred from retained profits to the share premium account.

OTHER RESERVES (Tables)

OTHER RESERVES (Tables)	12 Months Ended
	Dec. 31, 2019
Merger reserve [member]
OTHER RESERVES (Tables) [Line Items]
Disclosure of Movement in Other Reserves [text block]	Movements in other reserves were as follows: The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Merger reserve At 1 January and 31 December 6,348 6,348 6,348 – – –
Reserve of gains and losses on financial assets measured at fair value through other comprehensive income [member]
OTHER RESERVES (Tables) [Line Items]
Revaluation reserve in respect of debt securities text block	The Group The Bank 2019 2018 2019 2018 £m £m £m £m Revaluation reserve in respect of debt securities held at fair value through other comprehensive income At 1 January (379 ) (195 ) 281 483 Change in fair value (34 ) (31 ) (50 ) (58 ) Deferred tax 11 31 13 34 (23 ) – (37 ) (24 ) Income statement transfers in respect of disposals (note 8) (196 ) (268 ) (201 ) (258 ) Deferred tax 61 84 61 80 (135 ) (184 ) (140 ) (178 ) Impairment recognised in the income statement (1 ) – (1 ) – At 31 December (538 ) (379 ) 103 281
Revaluation reserve in respect of equity shares text block	The Group The Bank 2019 2018 2019 2018 £m £m £m £m Revaluation reserve in respect of equity shares held at fair value through other comprehensive income At 1 January – (35 ) – (42 ) Change in fair value – (98 ) – (102 ) Deferred tax 12 22 12 – Current tax – – – – 12 (76 ) 12 (102 ) Realised gains and losses transferred to retained profits Disposals – 132 – 144 Deferred tax (12 ) (21 ) (12 ) – Current tax – – – – (12 ) 111 (12 ) 144 At 31 December – – – –
Revaluation Reserve in Respect of Available-for-sale Financial Assets [text block]	The Group The Bank 2017 2017 £m £m Revaluation reserve in respect of available-for-sale financial assets At 1 January 2017 92 667 Change in fair value of available-for-sale financial assets 294 231 Deferred tax (25 ) (39 ) Current tax (4 ) – 265 192 Income statement transfers: Disposals (note 8) (464 ) (333 ) Deferred tax 93 85 Current tax – – (371 ) (248 ) Impairment 6 – Deferred tax – – 6 – At 31 December 2017 (8 ) 611
Reserve of cash flow hedges [member]
OTHER RESERVES (Tables) [Line Items]
Disclosure of Movement in Other Reserves [text block]	The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Cash flow hedging reserve At 1 January 1,110 1,573 2,224 1,268 1,554 1,845 Change in fair value of hedging derivatives 1,166 91 (271 ) 892 255 15 Deferred tax (290 ) (43 ) 103 (217 ) (72 ) 21 876 48 (168 ) 675 183 36 Income statement transfers (580 ) (691 ) (644 ) (448 ) (628 ) (436 ) Deferred tax 150 180 161 112 159 109 (430 ) (511 ) (483 ) (336 ) (469 ) (327 ) At 31 December 1,556 1,110 1,573 1,607 1,268 1,554
Foreign currency translation reserve [member]
OTHER RESERVES (Tables) [Line Items]
Disclosure of Movement in Other Reserves [text block]	The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Foreign currency translation reserve At 1 January (114 ) (207 ) (180 ) (6 ) 76 81 Currency translation differences arising in the year (2 ) (15 ) (16 ) 6 2 2 Foreign currency losses on net investment hedges (tax: £nil) – – (11 ) – – (7 ) Transfers to income statement – 108 – – (84 ) – At 31 December (116 ) (114 ) (207 ) – (6 ) 76
Other reserves [member]
OTHER RESERVES (Tables) [Line Items]
Disclosure of other reserves [text block]	The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Other reserves comprise: Merger reserve 6,348 6,348 6,348 – – – Revaluation reserve in respect of debt securities held at fair value through other comprehensive income (538 ) (379 ) 103 281 Revaluation reserve in respect of equity shares held at fair value through other comprehensive income – – – – Revaluation reserve in respect of available-for-sale financial assets (8 ) 611 Cash flow hedging reserve 1,556 1,110 1,573 1,607 1,268 1,554 Foreign currency translation reserve (116 ) (114 ) (207 ) – (6 ) 76 At 31 December 7,250 6,965 7,706 1,710 1,543 2,241

RETAINED PROFITS (Tables)

RETAINED PROFITS (Tables)	12 Months Ended
	Dec. 31, 2019
The Bank [member]
RETAINED PROFITS (Tables) [Line Items]
Condensed Income Statement [Table Text Block]	The profit after tax of the Bank was arrived at as follows: 2019 2018 1 2017 1 £m £m £m Net interest income 5,684 6,129 5,829 Net fee and commission income 743 839 969 Net trading income (121 ) 456 (51 ) Dividends received 1,331 4,848 4,378 Other operating income 2,290 1,933 2,346 Other income 4,243 8,076 7,642 Total income 9,927 14,205 13,471 Regulatory provisions (996 ) (939 ) (1,123 ) Other operating expenses (5,337 ) (5,864 ) (6,078 ) Total operating expenses (6,333 ) (6,803 ) (7,201 ) Trading surplus 3,594 7,402 6,270 Impairment (503 ) (504 ) (462 ) Profit before tax 3,091 6,898 5,808 Tax expense (645 ) (757 ) (455 ) Profit for the year 2,446 6,141 5,353 1 Restated, see note 1.
Retained earnings [member]
RETAINED PROFITS (Tables) [Line Items]
Disclosure Of Retained Earnings [text block]	The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m At 31 December 2017 37,718 53,145 Adjustment on adoption of IFRS 9 and IFRS 15 (969 ) (302 ) At 1 January 27,321 36,749 36,231 45,051 52,843 50,390 Profit for the year (see below for the Bank) 1 2,796 4,182 4,213 2,446 6,141 5,353 Capital transactions with parent Dividends paid (note 38) (4,100 ) (11,022 ) (2,650 ) (4,100 ) (11,022 ) (2,650 ) Capital repayments – (2,975 ) – – (2,975 ) – Capital contributions received 229 265 432 229 265 432 Return of capital contributions (5 ) (9 ) (77 ) (5 ) (9 ) (77 ) (3,876 ) (13,741 ) (2,295 ) (3,876 ) (13,741 ) (2,295 ) Distributions on other equity instruments 1 (281 ) (275 ) (273 ) (281 ) (275 ) (273 ) Realised gains and losses on equity shares held at fair value through other comprehensive income 12 (111 ) 12 (144 ) Redemption of preference shares (note 34) – – (600 ) – (600 ) Post-retirement defined benefit scheme remeasurements (1,117 ) 120 482 (576 ) (162 ) 332 Share of other comprehensive income of associates and joint ventures – 8 – – – – Gains and losses attributable to own credit risk (net of tax) 2 (306 ) 389 (40 ) (306 ) 389 (40 ) Adjustment on vesting of businesses – – – – – 278 At 31 December 24,549 27,321 37,718 42,470 45,051 53,145 1 Restated, see note 1. 2 During 2017 the Group and the Bank derecognised, on redemption, financial liabilities on which cumulative fair value movements relating to own credit of £3 million, net of tax, had been recognised directly in retained profits (2018 and 2019: £nil).

OTHER EQUITY INSTRUMENTS (Table

OTHER EQUITY INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure Of Other Equity Instruments Explanatory [Abstract]
Disclosure Of Other Equity Instruments [text block]	The Group and Bank 2019 2018 2017 £m £m £m At 1 January 3,217 3,217 3,217 Issued in the year: £500 million Fixed Rate Reset Additional Tier 1 496 – – US$1,500 million Fixed Rate Reset Additional Tier 1 1,152 – – 1,648 – – At 31 December 4,865 3,217 3,217

DIVIDENDS ON ORDINARY SHARES (T

DIVIDENDS ON ORDINARY SHARES (Tables)	12 Months Ended
	Dec. 31, 2019
Dividend award [member]
DIVIDENDS ON ORDINARY SHARES (Tables) [Line Items]
Disclosure of Dividends On Ordinary Shares [Text Block]	2019 2018 2017 £m £m £m Dividends paid in the year were as follows: Interim dividends 4,100 11,022 2,650

SHARE-BASED PAYMENTS (Tables)

SHARE-BASED PAYMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
SHARE-BASED PAYMENTS (Tables) [Line Items]
Disclosure Of Share Based Payments Movements [text block]	Movements in the number of share options outstanding under the SAYE schemes are set out below: 2019 2018 Weighted Weighted average average Number of exercise price Number of exercise price options (pence ) options (pence ) Outstanding at 1 January 802,994,918 49.30 860,867,088 51.34 Granted 487,654,212 39.87 188,866,162 47.92 Exercised (27,303,963 ) 51.23 (135,721,404 ) 59.00 Forfeited (15,830,204 ) 48.69 (22,909,999 ) 49.85 Cancelled (130,068,149 ) 49.03 (78,073,042 ) 50.66 Expired (49,352,741 ) 58.74 (10,033,887 ) 55.20 Outstanding at 31 December 1,068,094,073 44.55 802,994,918 49.30 Exercisable at 31 December 227,139 60.70 68,378 60.02 2019 2018 Number of Weighted ) Number of Weighted ) Outstanding at 1 January 10,263,028 Nil 14,523,989 Nil Granted 2,336,171 Nil 3,914,599 Nil Exercised (4,455,481 ) Nil (6,854,043 ) Nil Vested (69,005 ) Nil (148,109 ) Nil Forfeited (39,250 ) Nil (662,985 ) Nil Lapsed (400,825 ) Nil (510,423 ) Nil Outstanding at 31 December 7,634,638 Nil 10,263,028 Nil Exercisable at 31 December 2,683,267 Nil 3,305,442 Nil
Disclosure Of Share Based Payments Assumptions [text block]	The fair value calculations at 31 December 2019 for grants made in the year, using Black-Scholes models and Monte Carlo simulation, are based on the following assumptions: Save-As-You-Earn Executive LTIP CFO Buyout Weighted average risk-free interest rate 0.36% 0.62% 0.83% 0.64% Weighted average expected life 3.2 years 1.3 years 3.7 years 1.4 years Weighted average expected volatility 20% 23% 27% 19% Weighted average expected dividend yield 4.0% 4.0% 4.0% 4.0% Weighted average share price £0.53 £0.62 £0.63 £0.58 Weighted average exercise price £0.40 Nil Nil Nil
Lloyds Banking Group Executive Share Ownership Plan [member]
SHARE-BASED PAYMENTS (Tables) [Line Items]
Disclosure Of Share Based Payments Movements [text block]	2019 2018 Outstanding at 1 January 417,385,636 370,804,915 Granted 174,490,843 160,586,201 Vested (88,318,950 ) (73,270,301 ) Forfeited (55,029,439 ) (48,108,870 ) Dividend award 11,376,655 7,373,691 Outstanding at 31 December 459,904,745 417,385,636
CFO Buyout [Member]
SHARE-BASED PAYMENTS (Tables) [Line Items]
Disclosure Of Share Based Payments Movements [text block]	2019 Outstanding at 1 January – Granted 4,086,632 Exercised (818,172 ) Outstanding at 31 December 3,268,460

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2019
Compensation [member]
RELATED PARTY TRANSACTIONS (Tables) [Line Items]
Disclosure of information about key management personnel [text block]	The table below details, on an aggregated basis, key management personnel compensation: 2019 2018 2017 Compensation Salaries and other short-term benefits 14 13 13 Post-employment benefits – – – Share-based payments 14 17 22 Total compensation 28 30 35
Defined benefit plans [member]
RELATED PARTY TRANSACTIONS (Tables) [Line Items]
Disclosure of information about key management personnel [text block]	2019 2018 2017 Share options over Lloyds Banking Group plc shares At 1 January – 1 3 Granted, including certain adjustments (includes entitlements of appointed key management personnel) – – – Exercised/lapsed (includes entitlements of former key management personnel) – (1 ) (2 ) At 31 December – – 1 2019 million 2018 2017 Share plans settled in Lloyds Banking Group plc shares At 1 January 84 82 65 Granted, including certain adjustments (includes entitlements of appointed key management personnel) 46 39 37 Exercised/lapsed (includes entitlements of former key management personnel) (29 ) (37 ) (20 ) At 31 December 101 84 82
Deposits Placed [member]
RELATED PARTY TRANSACTIONS (Tables) [Line Items]
Disclosure of information about key management personnel [text block]	2019 million 2018 2017 Deposits At 1 January 20 20 12 Placed (includes deposits of appointed key management personnel) 44 33 41 Withdrawn (includes deposits of former key management personnel) (41 ) (33 ) (33 ) At 31 December 23 20 20
Balances and transactions with Lloyds Banking Group plc and fellow subsidiaries of the Bank [member]
RELATED PARTY TRANSACTIONS (Tables) [Line Items]
Balances due to and from the Parent and Subsidiaries of the Bank [Text Block]	The Bank and its subsidiaries have balances due to and from the Bank’s parent company, Lloyds Banking Group plc and fellow subsidiaries of the Bank. These are included on the balance sheet as follows: The Group The Bank 2019 2018 2019 2018 £m £m £m £m Assets, included within: Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings 1,854 1,878 1,581 993 Financial assets at fair value through profit or loss – 1,062 – 1,062 Derivative financial instruments 591 2,589 591 2,558 2,445 5,529 2,172 4,613 Liabilities, included within: Due to fellow Lloyds Banking Group undertakings 4,893 19,663 4,696 16,687 Financial liabilities at fair value through profit or loss 1 137 1 137 Derivative financial instruments 1,986 2,693 1,547 2,184 Debt securities in issue 11,181 193 11,136 7 Subordinated liabilities 3,663 2,985 3,641 2,900 21,724 25,671 21,021 21,915
The Group [member] | Loans and receivables, category [member]
RELATED PARTY TRANSACTIONS (Tables) [Line Items]
Disclosure of information about key management personnel [text block]	The tables below detail, on an aggregated basis, balances outstanding at the year end and related income and expense, together with information relating to other transactions between the Group and its key management personnel: 2019 million 2018 2017 Loans At 1 January 2 2 4 Advanced (includes loans of appointed key management personnel) 1 1 1 Repayments (includes loans of former key management personnel) (1 ) (1 ) (3 ) At 31 December 2 2 2
The Bank [member] | Balances and transactions between members of the Lloyds Bank Group [member]
RELATED PARTY TRANSACTIONS (Tables) [Line Items]
Disclosure of information about unconsolidated subsidiaries [text block]	The Bank, as a result of its position as parent of a banking group, has a large number of transactions with various of its subsidiary undertakings; these are included on the balance sheet of the Bank as follows: 2019 £m 2018 Assets, included within: Derivative financial instruments 8,546 7,385 Financial assets at fair value through profit or loss – 8 Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings 200,696 152,592 209,242 159,985 Liabilities, included within: Due to fellow Lloyds Banking Group undertakings 105,075 71,696 Financial liabilities at fair value through profit or loss 43 142 Derivative financial instruments 7,102 6,335 Debt securities in issue – 124 Subordinated liabilities – 58 112,220 78,355

CONTINGENT LIABILITIES AND CO_2

CONTINGENT LIABILITIES AND COMMITMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of commitments and contingent liabilities [text block] [Abstract]
Disclosure of contingent liabilities [text block]	The Group The Bank 2019 2018 2019 2018 £m £m £m £m Contingent liabilities Acceptances and endorsements 17 32 16 31 Other: Other items serving as direct credit substitutes 279 485 259 449 Performance bonds and other transaction-related contingencies 2,274 2,270 2,014 2,012 2,553 2,755 2,273 2,461 Total contingent liabilities 2,570 2,787 2,289 2,492 The Bank 2019 2018 £m £m Incurred on behalf of fellow Lloyds Banking Group undertakings 1 –
Disclosure of commitments [text block]	The Group The Bank 2019 2018 2019 2018 £m £m £m £m Commitments and guarantees Documentary credits and other short-term trade-related transactions – 1 – – Forward asset purchases and forward deposits placed 171 731 157 684 Undrawn formal standby facilities, credit lines and other commitments to lend: Less than 1 year original maturity: Mortgage offers made 12,647 11,573 1,120 1,514 Other commitments and guarantees 78,306 77,995 29,608 31,255 90,953 89,568 30,728 32,769 1 year or over original maturity 25,310 28,214 21,664 24,444 Total commitments and guarantees 116,434 118,514 52,549 57,897 The Bank 2019 2018 £m £m Incurred on behalf of fellow Lloyds Banking Group undertakings 4,647 5,452

FINANCIAL INSTRUMENTS (Tables)

FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of measurement basis of financial assets and liabilities [text block]	The accounting policies in note 2 describe how different classes of financial instruments are measured, and how income and expenses, including fair value gains and losses, are recognised. The following tables analyse the carrying amounts of the financial assets and liabilities by category and by balance sheet heading. Mandatorily held at At fair value Derivatives fair value through Designated through designated profit or loss at fair value other Held at as hedging Held for through comprehensive amortised instruments trading Other profit or loss income cost Total The Group £m £m £m £m £m £m £m At 31 December 2019 Financial assets Cash and balances at central banks – – – – – 38,880 38,880 Items in the course of collection from banks – – – – – 292 292 Financial assets at fair value through profit or loss – 290 1,994 – – – 2,284 Derivative financial instruments 1,117 7,377 – – – – 8,494 Loans and advances to banks – – – – – 4,852 4,852 Loans and advances to customers – – – – – 474,470 474,470 Debt securities – – – – – 5,325 5,325 Due from fellow Lloyds Banking Group undertakings – – – – – 1,854 1,854 Financial assets at amortised cost – – – – – 486,501 486,501 Financial assets at fair value through other comprehensive income – – – – 24,617 – 24,617 Total financial assets 1,117 7,667 1,994 – 24,617 525,673 561,068 Financial liabilities Deposits from banks – – – – – 23,593 23,593 Customer deposits – – – – – 396,839 396,839 Due to fellow Lloyds Banking Group undertakings – – – – – 4,893 4,893 Items in course of transmission to banks – – – – – 354 354 Financial liabilities at fair value through profit or loss – 171 – 7,531 – – 7,702 Derivative financial instruments 1,029 8,802 – – – – 9,831 Notes in circulation – – – – – 1,079 1,079 Debt securities in issue – – – – – 76,431 76,431 Other liabilities – – – – – 1,755 1,755 Subordinated liabilities – – – – – 12,586 12,586 Total financial liabilities 1,029 8,973 – 7,531 – 517,530 535,063 Mandatorily held at Designated At fair value Derivatives fair value through at fair value through designated profit or loss through other Held at as hedging Held for profit or comprehensive amortised instruments trading Other loss income cost Total The Group £m £m £m £m £m £m £m At 31 December 2018 Financial assets Cash and balances at central banks – – – – – 40,213 40,213 Items in the course of collection from banks – – – – – 645 645 Financial assets at fair value through profit or loss – 19,462 3,794 – – – 23,256 Derivative financial instruments 1,483 9,810 – – – – 11,293 Loans and advances to banks – – – – – 3,692 3,692 Loans and advances to customers – – – – – 464,044 464,044 Debt securities – – – – – 5,095 5,095 Due from fellow Lloyds Banking Group undertakings – – – – – 1,878 1,878 Financial assets at amortised cost – – – – – 474,709 474,709 Financial assets at fair value through other comprehensive income – – – – 24,368 – 24,368 Total financial assets 1,483 29,272 3,794 – 24,368 515,567 574,484 Financial liabilities Deposits from banks – – – – – 26,263 26,263 Customer deposits – – – – – 391,251 391,251 Due to fellow Lloyds Banking Group undertakings – – – – – 19,663 19,663 Items in course of transmission to banks – – – – – 615 615 Financial liabilities at fair value through profit or loss – 10,543 – 7,187 – – 17,730 Derivative financial instruments 1,107 9,804 – – – – 10,911 Notes in circulation – – – – – 1,104 1,104 Debt securities in issue – – – – – 64,533 64,533 Subordinated liabilities – – – – – 12,745 12,745 Total financial liabilities 1,107 20,347 – 7,187 – 516,174 544,815 Mandatorily held at Designated Derivatives fair value through at fair value At fair value designated profit or loss through through other Held at as hedging Held for profit or comprehensive amortised instruments trading Other loss income cost Total The Bank £m £m £m £m £m £m £m At 31 December 2019 Financial assets Cash and balances at central banks – – – – – 35,741 35,741 Items in the course of collection from banks – – – – – 252 252 Financial assets at fair value through profit or loss – 290 413 – – – 703 Derivative financial instruments 207 13,431 – – – – 13,638 Loans and advances to banks – – – – – 4,453 4,453 Loans and advances to customers – – – – – 177,569 177,569 Debt securities – – – – – 5,241 5,241 Due from fellow Lloyds Banking Group undertakings – – – – – 202,277 202,277 Financial assets at amortised cost – – – – – 389,540 389,540 Financial assets at fair value through other comprehensive income – – – – 22,160 – 22,160 Total financial assets 207 13,721 413 – 22,160 425,533 462,034 Financial liabilities Deposits from banks – – – – – 7,122 7,122 Customer deposits – – – – – 239,762 239,762 Due to fellow Lloyds Banking Group undertakings – – – – – 109,771 109,771 Items in course of transmission to banks – – – – – 198 198 Financial liabilities at fair value through profit or loss – 213 – 7,484 – – 7,697 Derivative financial instruments 267 13,944 – – – – 14,211 Debt securities in issue – – – – – 61,509 61,509 Other liabilities – – – – – 975 975 Subordinated liabilities – – – – – 9,909 9,909 Total financial liabilities 267 14,157 – 7,484 – 429,246 451,154 Mandatorily held at Designated Derivatives fair value through at fair value At fair value designated profit or loss through through other Held at as hedging Held for profit or comprehensive amortised instruments trading Other loss income cost Total The Bank £m £m £m £m £m £m £m At 31 December 2018 Financial assets Cash and balances at central banks – – – – – 37,632 37,632 Items in the course of collection from banks – – – – – 464 464 Financial assets at fair value through profit or loss – 19,420 1,423 – – – 20,843 Derivative financial instruments 432 14,999 – – – – 15,431 Loans and advances to banks – – – – – 3,153 3,153 Loans and advances to customers – – – – – 172,315 172,315 Debt securities – – – – – 4,960 4,960 Due from fellow Lloyds Banking Group undertakings – – – – – 153,585 153,585 Financial assets at amortised cost – – – – – 334,013 334,013 Financial assets at fair value through other comprehensive income – – – – 23,208 – 23,208 Total financial assets 432 34,419 1,423 – 23,208 372,109 431,591 Financial liabilities Deposits from banks – – – – – 5,320 5,320 Customer deposits – – – – – 229,402 229,402 Due to fellow Lloyds Banking Group undertakings – – – – – 88,383 88,383 Items in course of transmission to banks – – – – – 341 341 Financial liabilities at fair value through profit or loss – 10,687 – 7,032 – – 17,719 Derivative financial instruments 1,315 13,231 – – – – 14,546 Debt securities in issue – – – – – 49,787 49,787 Subordinated liabilities – – – – – 9,528 9,528 Total financial liabilities 1,315 23,918 – 7,032 – 382,761 415,026
Disclosure of financial liabilities [text block]	At 31 December 2019, the Group’s financial liabilities carried at fair value, excluding derivatives, comprised its financial liabilities at fair value through profit or loss and totalled £7,702 million (31 December 2018: £17,730 million). The table below analyses these financial liabilities by balance sheet classification and valuation methodology (level 1, 2 or 3, as described on page F-94). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year. The Group Level 1 Level 2 Level 3 Total At 31 December 2019 Financial liabilities at fair value through profit or loss – 7,484 47 7,531 Liabilities designated at fair value through profit or loss Trading liabilities: Deposits – 98 – 98 Short positions in securities 73 – – 73 73 98 – 171 Total financial liabilities carried at fair value, excluding derivatives 73 7,582 47 7,702 The Group Level 1 Level 2 Level 3 Total At 31 December 2018 Financial liabilities at fair value through profit or loss Liabilities designated at fair value through profit or loss – 7,085 – 7,085 Trading liabilities: Liabilities in respect of securities sold under repurchase agreements – 10,258 – 10,258 Other deposits – 270 – 270 Short positions in securities 67 50 – 117 67 10,578 – 10,645 Total financial liabilities carried at fair value, excluding derivatives 67 17,663 – 17,730 The Bank Level 1 Level 2 Level 3 Total At 31 December 2019 Financial liabilities at fair value through profit or loss – 7,484 – 7,484 Liabilities designated at fair value through profit or loss Trading liabilities: Deposits – 140 – 140 Short positions in securities 73 – – 73 73 140 – 213 Total financial liabilities carried at fair value, excluding derivatives 73 7,624 – 7,697 The Bank Level 1 Level 2 Level 3 Total At 31 December 2018 Financial liabilities at fair value through profit or loss Liabilities designated at fair value through profit or loss – 7,032 – 7,032 Trading liabilities: Liabilities in respect of securities sold under repurchase agreements – 10,258 – 10,258 Other deposits – 362 – 362 Short positions in securities 67 – – 67 67 10,620 – 10,687 Total financial liabilities carried at fair value, excluding derivatives 67 17,652 – 17,719
Disclosure of significant adjustments to valuation obtained [text block]	The following table summarises the movement on this valuation adjustment account for the Group during 2018 and 2019. 2019 2018 At 1 January 272 521 Income statement (credit) charge (56 ) (243 ) Transfers (2 ) (6 ) At 31 December 214 272
Disclosure Of Significant Adjustment Categories To Valuation Obtained, Explanatory	Represented by: 2019 2018 Credit Valuation Adjustment 141 192 Debit Valuation Adjustment (5 ) (16 ) Funding Valuation Adjustment 78 96 214 272
Disclosure of fair value measurement of assets [text block]	The table below analyses the fair values of the financial assets of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on page F-94). Financial assets carried at amortised cost are mainly classified as level 3 due to significant unobservable inputs used in the valuation models. Where inputs are observable, debt securities are classified as level 1 or 2. Valuation hierarchy The Group Carrying value Fair value Level 1 Level 2 Level 3 At 31 December 2019 Loans and advances to customers 474,470 475,128 – 51,624 423,504 Loans and advances to banks 4,852 4,849 – 408 4,441 Debt securities 5,325 5,317 – 5,317 – Due from fellow Lloyds Banking Group undertakings 1,854 1,854 – – 1,854 Reverse repos included in above amounts: Loans and advances to customers 51,624 51,624 – 51,624 – Loans and advances to banks 408 408 – 408 – At 31 December 2018 Loans and advances to customers 464,044 463,796 – 35,879 427,917 Loans and advances to banks 3,692 3,655 – 461 3,194 Debt securities 5,095 5,107 – 5,107 – Due from fellow Lloyds Banking Group undertakings 1,878 1,878 – – 1,878 Reverse repos included in above amounts: Loans and advances to customers 35,879 35,879 – 35,879 – Loans and advances to banks 461 461 – 461 – Valuation hierarchy The Bank Carrying value Fair value Level 1 Level 2 Level 3 At 31 December 2019 Loans and advances to customers 177,569 175,200 – 51,624 123,576 Loans and advances to banks 4,453 4,450 – 408 4,042 Debt securities 5,241 5,242 – 5,242 – Due from fellow Lloyds Banking Group undertakings 202,277 202,277 – – 202,277 Reverse repos included in above amounts: Loans and advances to customers 51,624 51,624 – 51,624 – Loans and advances to banks 408 408 – 408 – At 31 December 2018 Loans and advances to customers 172,315 169,819 – 35,879 133,940 Loans and advances to banks 3,153 3,153 – 461 2,692 Debt securities 4,960 4,980 – 4,980 – Due from fellow Lloyds Banking Group undertakings 153,585 153,585 – – 153,585 Reverse repos included in above amounts: Loans and advances to customers 35,879 35,879 – 35,879 – Loans and advances to banks 461 461 – 461 –
Disclosure of fair value measurement of liabilities [text block]	The table below analyses the fair values of the financial liabilities of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on page F-94). Valuation hierarchy The Group Carrying value Fair value Level 1 Level 2 Level 3 At 31 December 2019 Deposits from banks 23,593 23,497 – 23,497 – Customer deposits 396,839 397,222 – 391,987 5,235 Due to fellow Lloyds Banking Group undertakings 4,893 4,893 – 4,893 – Debt securities in issue 76,431 78,632 – 78,632 – Subordinated liabilities 12,586 14,542 – 14,542 – Repos included in above amounts: Deposits from banks 18,105 18,105 – 18,105 – Customer deposits 9,530 9,530 – 9,530 – Due to fellow Lloyds Banking Group undertakings – – – – – At 31 December 2018 Deposits from banks 26,263 26,245 – 26,245 – Customer deposits 391,251 391,524 – 385,357 6,167 Due to fellow Lloyds Banking Group undertakings 19,663 19,663 – 19,663 – Debt securities in issue 64,533 66,379 – 66,379 – Subordinated liabilities 12,745 14,460 – 14,460 – Repos included in above amounts: Deposits from banks 21,170 21,170 – 21,170 – Customer deposits 1,818 1,818 – 1,818 – Due to fellow Lloyds Banking Group undertakings 2,801 2,801 – 2,801 – Valuation hierarchy The Bank Carrying value Fair value Level 1 Level 2 Level 3 At 31 December 2019 Deposits from banks 7,122 7,025 – 7,025 – Customer deposits 239,762 239,952 – 239,952 – Due to fellow Lloyds Banking Group undertakings 109,771 109,771 – 109,771 – Debt securities in issue 61,509 63,483 – 63,483 – Subordinated liabilities 9,909 10,974 – 10,974 – Repos included in above amounts: Deposits from banks 2,645 2,645 – 2,645 – Customer deposits 9,530 9,530 – 9,530 – Due to fellow Lloyds Banking Group undertakings – – – – – At 31 December 2018 Deposits from banks 5,320 5,300 – 5,300 – Customer deposits 229,402 229,593 – 229,593 – Due to fellow Lloyds Banking Group undertakings 88,383 88,383 – 88,383 – Debt securities in issue 49,787 51,501 – 51,501 – Subordinated liabilities 9,528 10,558 – 10,558 – Repos included in above amounts: Deposits from banks 1,193 1,193 – 1,193 – Customer deposits 1,818 1,818 – 1,818 – Due to fellow Lloyds Banking Group undertakings 2,801 2,801 – 2,801 –
Liabilities [member]
FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of movements in level 3 portfolio [text block]	The Group 2019 2018 At 1 January – – Losses recognised in the income statement within other income 1 – Redemptions (5 ) – Transfers into the level 3 portfolio 51 – Transfers out of the level 3 portfolio – – At 31 December 47 – Losses recognised in the income statement, within other income, relating to the change in fair value of those liabilities held at 31 December – –
Level 3 of fair value hierarchy [member]
FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of movements in level 3 portfolio [text block]	The table below analyses movements in level 3 financial assets, excluding derivatives, carried at fair value (recurring measurement): 2019 2018 The Group – Continuing operations Financial Financial assets Total level 3 Financial assets Financial assets Total level 3 At 1 January 2,721 53 2,774 3,328 302 3,630 Exchange and other adjustments (74 ) (3 ) (77 ) 82 (2 ) 80 Gains recognised in the income statement within other income 4 – 4 72 – 72 (Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income – 11 11 – (5 ) (5 ) Purchases 686 – 686 1,002 2 1,004 Sales (1,956 ) (1 ) (1,957 ) (2,060 ) (305 ) (2,365 ) Transfers into the level 3 portfolio 448 – 448 297 345 642 Transfers out of the level 3 portfolio – – – – (284 ) (284 ) At 31 December 1,829 60 1,889 2,721 53 2,774 Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December (76 ) – (76 ) – – – The Group – Discontinued operations Trading and other At 1 January 8,501 Exchange and other adjustments (17 ) Gains recognised in the income statement within other income 27 Purchases 97 Sales (270 ) Transfers into the level 3 portfolio 230 Transfers out of the level 3 portfolio (168 ) Disposal of business (8,400 ) At 31 December – 2019 2018 The Bank Financial Financial assets Total level 3 Financial assets Financial assets Total level 3 At 1 January 890 – 890 1,659 202 1,861 Exchange and other adjustments (28 ) – (28 ) 79 – 79 Gains recognised in the income statement within other income – – – 67 – 67 (Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income – – – – 1 1 Purchases 101 – 101 247 – 247 Sales (603 ) – (603 ) (1,355 ) (9 ) (1,364 ) Transfers into the level 3 portfolio 49 – 49 193 – 193 Transfers out of the level 3 portfolio – – – – (194 ) (194 ) At 31 December 409 – 409 890 – 890 Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December (28 ) – (28 ) – – –
Disclosure of assets and liabilities [text block]	The table below analyses movements in level 3 derivative assets and liabilities carried at fair value. 2019 2018 The Group Derivative Derivative Derivative Derivative At 1 January 5 (8 ) 1,056 (804 ) Exchange and other adjustments – – 7 (5 ) (Losses) gains recognised in the income statement within other income – – (84 ) 49 (Sales) redemptions – 47 (974 ) 752 Transfers into the level 3 portfolio – (344 ) – – Transfers out of the level 3 portfolio (5 ) 8 – – At 31 December – (297 ) 5 (8 ) (Losses) gains recognised in the income statement, within other income, relating to the change in fair value of those assets or liabilities held at 31 December – – (424 ) 82 2019 2018 The Bank Derivative Derivative Derivative Derivative At 1 January 5 (8 ) 636 (750 ) Exchange and other adjustments – – 3 (4 ) (Losses) gains recognised in the income statement within other income – – (70 ) 43 (Sales) redemptions – – (564 ) 703 Transfers out of the level 3 portfolio (5 ) 8 – – At 31 December – – 5 (8 ) (Losses) gains recognised in the income statement, within other income, relating to the change in fair value of those assets or liabilities held at 31 December – – (402 ) 57
Disclosure of Sensitivity of Level 3 Valuations [text block]	At 31 December 2019 At 31 December 2018 Effect of reasonably 2 Effect of reasonably Valuation Significant 1 Carrying Favourable Unfavourable Carrying Favourable Unfavourable Financial assets at fair value through profit or loss: Loans and advances to customers Discounted cash flows Interest rate spreads (bps) (50 bps/102 bps) 1,782 36 (39 ) 2,721 35 (35 ) Debt securities Discounted cash flows Credit spreads 47 – – – – – 1,829 2,721 Financial assets at fair value through other comprehensive income Asset-backed securities Lead manager or broker quote/consensus pricing n/a 60 4 (4 ) 53 – (1 ) 60 53 Derivative financial assets Interest rate derivatives Option pricing model n/a – – – 5 – – – 5 Level 3 financial assets carried at fair value 1,889 2,779 Financial liabilities at fair value through profit or loss Discounted cash flows Interest rate spreads 47 1 (1 ) – – – Derivative financial liabilities Interest rate derivatives Market values – property valuation HPI 297 17 (17 ) 8 – – 297 8 Level 3 financial liabilities carried at fair value 344 8 1 Ranges are shown where appropriate and represent the highest and lowest inputs used in the level 3 valuations. 2 Where the exposure to an unobservable input is managed on a net basis, only the net impact is shown in the table.
Financial Assets, Excluding Derivatives [member]
FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of financial assets excluding derivatives [text block]	Valuation hierarchy The Group Level 1 Level 2 Level 3 Total At 31 December 2019 Financial assets at fair value through profit or loss Loans and advances to customers – – 1,782 1,782 Debt securities: Government securities 290 – – 290 Corporate and other debt securities – – 47 47 290 – 47 337 Equity shares 161 4 – 165 Total financial assets at fair value through profit or loss 451 4 1,829 2,284 Financial assets at fair value through other comprehensive income Debt securities: Government securities 12,844 238 – 13,082 Asset-backed securities – – 60 60 Corporate and other debt securities – 11,036 – 11,036 12,844 11,274 60 24,178 Treasury and other bills 439 – – 439 Total financial assets at fair value through other comprehensive income 13,283 11,274 60 24,617 Total financial assets carried at fair value, excluding derivatives 13,734 11,278 1,889 26,901 The Group Level 1 Level 2 Level 3 Total At 31 December 2018 Financial assets at fair value through profit or loss Loans and advances to customers – 17,290 2,721 20,011 Loans and advances to banks – 236 – 236 Debt securities: Government securities 2,293 – – 2,293 Asset-backed securities – 20 – 20 Corporate and other debt securities – 540 – 540 2,293 560 – 2,853 Equity shares 150 6 – 156 Total financial assets at fair value through profit or loss 2,443 18,092 2,721 23,256 Financial assets at fair value through other comprehensive income Debt securities: Government securities 18,847 124 – 18,971 Asset-backed securities – 4 53 57 Corporate and other debt securities – 5,119 – 5,119 18,847 5,247 53 24,147 Treasury and other bills 221 – – 221 Total financial assets at fair value through other comprehensive income 19,068 5,247 53 24,368 Total financial assets carried at fair value, excluding derivatives 21,511 23,339 2,774 47,624 Valuation hierarchy The Bank Level 1 Level 2 Level 3 Total At 31 December 2019 Financial assets at fair value through profit or loss Loans and advances to customers – – 362 362 Debt securities: Government securities 290 – – 290 Corporate and other debt securities – – 47 47 290 – 47 337 Equity shares – 4 – 4 Total financial assets at fair value through profit or loss 290 4 409 703 Financial assets at fair value through other comprehensive income Debt securities: Government securities 12,700 238 – 12,938 Corporate and other debt securities – 8,783 – 8,783 12,700 9,021 – 21,721 Treasury and other bills 439 – – 439 Total financial assets at fair value through other comprehensive income 13,139 9,021 – 22,160 Total financial assets carried at fair value, excluding derivatives 13,429 9,025 409 22,863 Valuation hierarchy The Bank Level 1 Level 2 Level 3 Total At 31 December 2018 Financial assets at fair value through profit or loss Loans and advances to customers – 16,900 890 17,790 Loans and advances to banks – 236 – 236 Debt securities: Government securities 2,293 – – 2,293 Corporate and other debt securities – 518 – 518 2,293 518 – 2,811 Equity shares – 6 – 6 Total financial assets at fair value through profit or loss 2,293 17,660 890 20,843 Financial assets at fair value through other comprehensive income Debt securities: Government securities 18,707 124 – 18,831 Asset-backed securities – 5 – 5 Corporate and other debt securities – 4,151 – 4,151 18,707 4,280 – 22,987 Treasury and other bills 221 – – 221 Total financial assets at fair value through comprehensive income 18,928 4,280 – 23,208 Total financial assets carried at fair value, excluding derivatives 21,221 21,940 890 44,051
Recurring fair value measurement [member]
FINANCIAL INSTRUMENTS (Tables) [Line Items]
Disclosure of Derivatives by recurring fair value measurement [text block]	All of the Group’s derivative assets and liabilities are carried at fair value. At 31 December 2019, such assets totalled £8,494 million for the Group and £13,638 million for the Bank (31 December 2018: £11,293 million for the Group and £15,431 million for the Bank) and liabilities totalled £9,831 million for the Group and £14,211 million for the Bank (31 December 2018: £10,911 million for the Group and £14,546 million for the Bank). The table below analyses these derivative balances by valuation methodology (level 1, 2 or 3, as described on page F-94). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and level 2 during the year. 2019 2018 The Group Level 1 £m Level 2 £m Level 3 £m Total £m Level 1 Level 2 Level 3 Total Derivative assets – 8,494 – 8,494 – 11,288 5 11,293 Derivative liabilities – (9,534 ) (297 ) (9,831 ) – (10,903 ) (8 ) (10,911 ) 2019 2018 The Bank Level 1 £m Level 2 £m Level 3 £m Total £m Level 1 Level 2 Level 3 Total Derivative assets – 13,638 – 13,638 – 15,426 5 15,431 Derivative liabilities – (14,211 ) – (14,211 ) – (14,538 ) (8 ) (14,546 )

TRANSFERS OF FINANCIAL ASSETS (

TRANSFERS OF FINANCIAL ASSETS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of transferred financial assets that are not derecognised in their entirety [text block] [Abstract]
Disclosure of Transfered Assets and Liabilities [Text Block]	The table below sets out the carrying values of the transferred assets and the associated liabilities. The Group The Bank Carrying Carrying Carrying Carrying At 31 December 2019 Repurchase and securities lending transactions Financial assets at fair value through profit or loss 3,123 2,668 655 21 Financial assets at fair value through other comprehensive income 5,436 4,560 7,552 6,065 Securitisation programmes Financial assets at amortised cost: Loans and advances to customers 1,2 42,545 7,376 6,433 – The Group The Bank Carrying Carrying Carrying Carrying At 31 December 2018 Repurchase and securities lending transactions Financial assets at fair value through profit or loss 997 269 989 269 Available-for-sale financial assets 5,691 4,645 5,397 4,645 Securitisation programmes Financial assets at amortised cost: Loans and advances to customers 1,2 41,674 5,533 11,760 – 1 The carrying value of associated liabilities for the Group excludes securitisation notes held by the Group of £31,396 million (31 December 2018: £31,647 million). 2 The carrying value of transferred assets for the Bank includes amounts relating to assets transferred to structured entities which are fully consolidated into the Group. The liabilities associated with such assets are issued by the structured entities.

OFFSETTING OF FINANCIAL ASSET_2

OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Offset [member]
OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES (Tables) [Line Items]
Disclosure of Offsetting of Financial Assets and Liabilities [text block]	The following information relates to financial assets and liabilities which have been offset in the balance sheet and those which have not been offset but for which the Group has enforceable master netting agreements or collateral arrangements in place with counterparties. Related amounts where set off in the balance sheet not permitted 3 At 31 December 2019 Gross 1 Amounts 2 Net amounts Cash Non-cash Potential net Financial assets Financial assets at fair value through profit or loss: Excluding reverse repos 2,284 – 2,284 – (21 ) 2,263 Reverse repos – – – – – – 2,284 – 2,284 – (21 ) 2,263 Derivative financial instruments 61,860 (53,366 ) 8,494 (2,186 ) (4,177 ) 2,131 Loans and advances to banks: Excluding reverse repos 4,444 – 4,444 (1,288 ) (2,792 ) 364 Reverse repos 408 – 408 – (408 ) – 4,852 – 4,852 (1,288 ) (3,200 ) 364 Loans and advances to customers: Excluding reverse repos 422,846 – 422,846 (879 ) – 421,967 Reverse repos 56,089 (4,465 ) 51,624 – (51,624 ) – 478,935 (4,465 ) 474,470 (879 ) (51,624 ) 421,967 Debt securities 5,325 – 5,325 – (211 ) 5,114 Financial assets at fair value through other comprehensive income 24,617 – 24,617 – (5,948 ) 18,669 Financial liabilities Deposits from banks: Excluding repos 5,488 – 5,488 (1,684 ) – 3,804 Repos 18,105 – 18,105 – (18,105 ) – 23,593 – 23,593 (1,684 ) (18,105 ) 3,804 Customer deposits: Excluding repos 389,178 (1,869 ) 387,309 (501 ) (2,792 ) 384,016 Repos 9,530 – 9,530 – (9,530 ) – 398,708 (1,869 ) 396,839 (501 ) (12,322 ) 384,016 Financial liabilities at fair value through profit or loss: Excluding repos 7,702 – 7,702 – – 7,702 Repos 4,465 (4,465 ) – – – – 12,167 (4,465 ) 7,702 – – 7,702 Derivative financial instruments 61,328 (51,497 ) 9,831 (2,168 ) (5,020 ) 2,643 Related amounts where set 3 At 31 December 2018 Gross 1 Amounts 2 Net amounts Cash Non-cash Potential net Financial assets Financial assets at fair value through profit or loss: Excluding reverse repos 6,129 – 6,129 – (274 ) 5,855 Reverse repos 17,890 (763 ) 17,127 – (17,127 ) – 24,019 (763 ) 23,256 – (17,401 ) 5,855 Derivative financial instruments 52,981 (41,688 ) 11,293 (1,693 ) (4,837 ) 4,763 Loans and advances to banks: Excluding reverse repos 3,231 – 3,231 (1,496 ) – 1,735 Reverse repos 461 – 461 – (461 ) – 3,692 – 3,692 (1,496 ) (461 ) 1,735 Loans and advances to customers: Excluding reverse repos 428,165 – 428,165 (863 ) (3,241 ) 424,061 Reverse repos 37,890 (2,011 ) 35,879 – (35,879 ) – 466,055 (2,011 ) 464,044 (863 ) (39,120 ) 424,061 Debt securities 5,095 – 5,095 – – 5,095 Financial assets at fair value through other comprehensive income 24,368 – 24,368 – (4,666 ) 19,702 Financial liabilities Deposits from banks: Excluding repos 5,093 – 5,093 (1,400 ) – 3,693 Repos 21,170 – 21,170 – (21,170 ) – 26,263 – 26,263 (1,400 ) (21,170 ) 3,693 Customer deposits: Excluding repos 390,724 (1,291 ) 389,433 (293 ) (3,241 ) 385,899 Repos 1,818 – 1,818 – (1,818 ) – 392,542 (1,291 ) 391,251 (293 ) (5,059 ) 385,899 Financial liabilities at fair value through profit or loss: Excluding repos 7,473 – 7,473 – – 7,473 Repos 13,030 (2,773 ) 10,257 – (10,257 ) – 20,503 (2,773 ) 17,730 – (10,257 ) 7,473 Derivative financial instruments 51,309 (40,398 ) 10,911 (2,359 ) (5,770 ) 2,782 1 After impairment allowance. 2 The amounts set off in the balance sheet as shown above represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32. 3 The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respective of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32.

FINANCIAL RISK MANAGEMENT (Tabl

FINANCIAL RISK MANAGEMENT (Tables)	12 Months Ended
	Dec. 31, 2019
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of credit risk exposure [text block]	2019 2018 The Group Maximum exposure £m Offset 2 £m Net exposure £m Maximum Offset 2 Net exposure Loans and advances to banks, net 1 4,852 – 4,852 3,692 – 3,692 Loans and advances to customers, net 1 474,470 (2,792 ) 471,678 464,044 (3,241 ) 460,803 Debt securities, net 1 5,325 – 5,325 5,095 – 5,095 Financial assets as amortised cost 484,647 (2,792 ) 481,855 472,831 (3,241 ) 469,590 Financial assets at fair value through other comprehensive income 3 24,617 – 24,617 24,368 – 24,368 Financial assets at fair value through profit or loss 3 Loans and advances 1,782 – 1,782 20,247 – 20,247 Debt securities, treasury and other bills 337 – 337 2,853 – 2,853 2,119 – 2,119 23,100 – 23,100 Derivative assets 8,494 (4,177 ) 4,317 11,293 (4,524 ) 6,769 Off-balance sheet items: Acceptances and endorsements 17 – 17 32 – 32 Other items serving as direct credit substitutes 279 – 279 485 – 485 Performance bonds and other transaction-related contingencies 2,274 – 2,274 2,270 – 2,270 Irrevocable commitments and guarantees 46,629 – 46,629 48,455 – 48,455 49,199 – 49,199 51,242 – 51,242 569,076 (6,969 ) 562,107 582,834 (7,765 ) 575,069 2019 2018 The Bank Maximum exposure £m Offset 2 £m Net exposure £m Maximum Offset 2 Net exposure Loans and advances to banks, net 1 4,453 – 4,453 3,153 – 3,153 Loans and advances to customers, net 1 177,569 (2,123 ) 175,446 172,315 (2,399 ) 169,916 Debt securities, net 1 5,241 – 5,241 4,960 – 4,960 Financial assets at amortised cost 187,263 (2,123 ) 185,140 180,428 (2,399 ) 178,029 Financial assets at fair value through other comprehensive income 3 22,160 – 22,160 23,208 – 23,208 Financial assets at fair value through profit or loss 3 Loans and advances 362 – 362 18,026 – 18,026 Debt securities, treasury and other bills 337 – 337 2,811 – 2,811 699 – 699 20,837 – 20,837 Derivative assets 13,638 (3,312 ) 10,326 15,431 (3,406 ) 12,025 Off-balance sheet items: Acceptances and endorsements 16 – 16 31 – 31 Other items serving as direct credit substitutes 259 – 259 449 – 449 Performance bonds and other transaction-related contingencies 2,014 – 2,014 2,012 – 2,012 Irrevocable commitments and guarantees 27,672 – 27,672 30,420 – 30,420 29,961 – 29,961 32,912 – 32,912 253,721 (5,435 ) 248,286 272,816 (5,805 ) 267,011 1 Amounts shown net of related impairment allowances. 2 Offset items comprise deposit amounts available for offset, and amounts available for offset under master netting arrangements, that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements. 3 Excluding equity shares.
ScheduleOfCreditQualityOfAssetsTextBlock	The Group – Gross drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% 4,852 – – – 4,852 CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 4,852 – – – 4,852 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 257,028 13,494 – – 270,522 RMS 7-9 4.51-14.00% 15 2,052 – – 2,067 RMS 10 14.01-20.00% – 414 – – 414 RMS 11-13 20.01-99.99% – 975 – – 975 RMS 14 100% – – 1,506 13,714 15,220 257,043 16,935 1,506 13,714 289,198 Retail - unsecured RMS 1-6 0.00-4.50% 22,151 1,098 – – 23,249 RMS 7-9 4.51-14.00% 2,676 919 – – 3,595 RMS 10 14.01-20.00% 76 189 – – 265 RMS 11-13 20.01-99.99% 18 606 – – 624 RMS 14 100% – – 678 – 678 24,921 2,812 678 – 28,411 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 13,568 1,297 – – 14,865 RMS 7-9 4.51-14.00% 314 368 – – 682 RMS 10 14.01-20.00% – 99 – – 99 RMS 11-13 20.01-99.99% 2 178 – – 180 RMS 14 100% – – 150 – 150 13,884 1,942 150 – 15,976 Retail - Other RMS 1-6 0.00-4.50% 9,520 390 – – 9,910 RMS 7-9 4.51-14.00% – 409 – – 409 RMS 10 14.01-20.00% – 7 – – 7 RMS 11-13 20.01-99.99% 134 23 – – 157 RMS 14 100% – – 150 – 150 9,654 829 150 – 10,633 Total Retail 305,502 22,518 2,484 13,714 344,218 The Group – Gross drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 43,276 356 – – 43,632 CMS 11-14 0.51-3.00% 25,410 2,316 – – 27,726 CMS 15-18 3.01-20.00% 1,801 3,101 – – 4,902 CMS 19 20.01-99.99% – 168 – – 168 CMS 20-23 100% – – 3,135 – 3,135 70,487 5,941 3,135 – 79,563 Other RMS 1-6 0.00-4.50% 754 46 – – 800 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 28 – 28 754 46 28 – 828 CMS 1-10 0.00-0.50% 53,024 – – – 53,024 CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 53,024 – – – 53,024 Total loans and advances to customers 429,767 28,505 5,647 13,714 477,633 In respect of: Retail 305,502 22,518 2,484 13,714 344,218 Commercial 70,487 5,941 3,135 – 79,563 Other 53,778 46 28 – 53,852 Total loans and advances to customers 429,767 28,505 5,647 13,714 477,633 The Group – Expected credit losses in respect of drawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 23 183 – – 206 RMS 7-9 4.51-14.00% – 39 – – 39 RMS 10 14.01-20.00% – 13 – – 13 RMS 11-13 20.01-99.99% – 46 – – 46 RMS 14 100% – – 122 142 264 23 281 122 142 568 Retail - unsecured RMS 1-6 0.00-4.50% 188 42 – – 230 RMS 7-9 4.51-14.00% 103 92 – – 195 RMS 10 14.01-20.00% 7 34 – – 41 RMS 11-13 20.01-99.99% 3 193 – – 196 RMS 14 100% – – 233 – 233 301 361 233 – 895 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 203 30 – – 233 RMS 7-9 4.51-14.00% 10 15 – – 25 RMS 10 14.01-20.00% – 10 – – 10 RMS 11-13 20.01-99.99% 1 32 – – 33 RMS 14 100% – – 84 – 84 214 87 84 – 385 Retail - Other RMS 1-6 0.00-4.50% 25 9 – – 34 RMS 7-9 4.51-14.00% – 27 – – 27 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – 1 – – 1 RMS 14 100% – – 51 – 51 25 37 51 – 113 Total Retail 563 766 490 142 1,961 The Group – Expected credit losses in respect of drawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 27 2 – – 29 CMS 11-14 0.51-3.00% 50 37 – – 87 CMS 15-18 3.01-20.00% 13 171 – – 184 CMS 19 20.01-99.99% – 16 – – 16 CMS 20-23 100% – – 859 – 859 90 226 859 – 1,175 Other RMS 1-6 0.00-4.50% 16 1 – – 17 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 10 – 10 16 1 10 – 27 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 669 993 1,359 142 3,163 In respect of: Retail 563 766 490 142 1,961 Commercial 90 226 859 – 1,175 Other 16 1 10 – 27 Total loans and advances to customers 669 993 1,359 142 3,163 The Group – Gross undrawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 12,242 62 – – 12,304 RMS 7-9 4.51-14.00% 1 1 – – 2 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 8 79 87 12,243 63 8 79 12,393 Retail - unsecured RMS 1-6 0.00-4.50% 60,653 1,986 – – 62,639 RMS 7-9 4.51-14.00% 389 218 – – 607 RMS 10 14.01-20.00% 5 39 – – 44 RMS 11-13 20.01-99.99% 1 73 – – 74 RMS 14 100% – – 83 – 83 61,048 2,316 83 – 63,447 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1,181 – – – 1,181 RMS 7-9 4.51-14.00% 193 4 – – 197 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1,374 4 – – 1,378 Retail - Other RMS 1-6 0.00-4.50% 1,240 – – – 1,240 RMS 7-9 4.51-14.00% – 62 – – 62 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 2 – 2 1,240 62 2 – 1,304 Total Retail 75,905 2,445 93 79 78,522 The Group – Gross undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 31,014 76 – – 31,090 CMS 11-14 0.51-3.00% 5,105 850 – – 5,955 CMS 15-18 3.01-20.00% 258 326 – – 584 CMS 19 20.01-99.99% – 43 – – 43 CMS 20-23 100% – – 5 – 5 36,377 1,295 5 – 37,677 Other RMS 1-6 0.00-4.50% 235 – – – 235 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 235 – – – 235 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 112,517 3,740 98 79 116,434 In respect of: Retail 75,905 2,445 93 79 78,522 Commercial 36,377 1,295 5 – 37,677 Other 235 – – – 235 Total loans and advances to customers 112,517 3,740 98 79 116,434 The Group – Expected credit losses in respect of undrawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 1 – – – 1 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1 – – – 1 Retail - unsecured RMS 1-6 0.00-4.50% 56 24 – – 80 RMS 7-9 4.51-14.00% 6 8 – – 14 RMS 10 14.01-20.00% – 3 – – 3 RMS 11-13 20.01-99.99% – 15 – – 15 RMS 14 100% – – – – – 62 50 – – 112 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 2 – – – 2 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 2 – – – 2 Retail - Other RMS 1-6 0.00-4.50% 11 – – – 11 RMS 7-9 4.51-14.00% – 3 – – 3 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 11 3 – – 14 Total Retail 76 53 – – 129 The Group – Expected credit losses in respect of undrawn PD range Stage 1 Stage 2 Stage 3 Purchased or Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 7 – – – 7 CMS 11-14 0.51-3.00% 7 9 – – 16 CMS 15-18 3.01-20.00% 1 13 – – 14 CMS 19 20.01-99.99% – 2 – – 2 CMS 20-23 100% – – 5 – 5 15 24 5 – 44 Other RMS 1-6 0.00-4.50% – – – – – RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – – – – – – CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 91 77 5 – 173 In respect of: Retail 76 53 – – 129 Commercial 15 24 5 – 44 Other – – – – – Total loans and advances to customers 91 77 5 – 173 The Group – Gross drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 3,586 2 – – 3,588 CMS 11-14 0.51-3.00% 105 – – – 105 CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 3,691 2 – – 3,693 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 257,740 10,784 – – 268,524 RMS 7-9 4.51-14.00% 57 1,709 – – 1,766 RMS 10 14.01-20.00% – 262 – – 262 RMS 11-13 20.01-99.99% – 899 – – 899 RMS 14 100% – – 1,393 15,391 16,784 257,797 13,654 1,393 15,391 288,235 Retail - unsecured RMS 1-6 0.00-4.50% 22,363 1,079 – – 23,442 RMS 7-9 4.51-14.00% 2,071 774 – – 2,845 RMS 10 14.01-20.00% 72 167 – – 239 RMS 11-13 20.01-99.99% 199 687 – – 886 RMS 14 100% – – 703 – 703 24,705 2,707 703 – 28,115 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 12,918 954 – – 13,872 RMS 7-9 4.51-14.00% 301 318 – – 619 RMS 10 14.01-20.00% – 111 – – 111 RMS 11-13 20.01-99.99% 5 197 – – 202 RMS 14 100% – – 129 – 129 13,224 1,580 129 – 14,933 Retail - Other RMS 1-6 0.00-4.50% 9,033 704 – – 9,737 RMS 7-9 4.51-14.00% 190 66 – – 256 RMS 10 14.01-20.00% – 7 – – 7 RMS 11-13 20.01-99.99% 211 23 – – 234 RMS 14 100% – – 165 – 165 9,434 800 165 – 10,399 Total Retail 305,160 18,741 2,390 15,391 341,682 The Group – Gross drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 50,143 100 – – 50,243 CMS 11-14 0.51-3.00% 24,760 3,442 – – 28,202 CMS 15-18 3.01-20.00% 1,287 2,962 – – 4,249 CMS 19 20.01-99.99% – 54 – – 54 CMS 20-23 100% – – 2,958 – 2,958 76,190 6,558 2,958 – 85,706 Other RMS 1-6 0.00-4.50% 804 6 – – 810 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 49 – 49 804 6 49 – 859 CMS 1-10 0.00-0.50% 38,814 – – – 38,814 CMS 11-14 0.51-3.00% – 3 – – 3 CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 38,814 3 – – 38,817 Total loans and advances to customers 420,968 25,308 5,397 15,391 467,064 In respect of: Retail 305,160 18,741 2,390 15,391 341,682 Commercial 76,190 6,558 2,958 – 85,706 Other 39,618 9 49 – 39,676 Total loans and advances to customers 420,968 25,308 5,397 15,391 467,064 The Group – Expected credit losses in respect of drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 1 – – – 1 CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – 1 – – – 1 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 37 141 – – 178 RMS 7-9 4.51-14.00% – 34 – – 34 RMS 10 14.01-20.00% – 9 – – 9 RMS 11-13 20.01-99.99% – 42 – – 42 RMS 14 100% – – 118 78 196 37 226 118 78 459 Retail - unsecured RMS 1-6 0.00-4.50% 135 45 – – 180 RMS 7-9 4.51-14.00% 57 83 – – 140 RMS 10 14.01-20.00% 4 29 – – 33 RMS 11-13 20.01-99.99% 3 172 – – 175 RMS 14 100% – – 228 – 228 199 329 228 – 756 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 114 19 – – 133 RMS 7-9 4.51-14.00% 6 15 – – 21 RMS 10 14.01-20.00% – 11 – – 11 RMS 11-13 20.01-99.99% 1 34 – – 35 RMS 14 100% – – 78 – 78 121 79 78 – 278 Retail - Other RMS 1-6 0.00-4.50% 30 25 – – 55 RMS 7-9 4.51-14.00% 2 2 – – 4 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – 1 – – 1 RMS 14 100% – – 60 – 60 32 28 60 – 120 Total Retail 389 662 484 78 1,613 The Group – Expected credit losses in respect of drawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 26 1 – – 27 CMS 11-14 0.51-3.00% 49 86 – – 135 CMS 15-18 3.01-20.00% 11 229 – – 240 CMS 19 20.01-99.99% – 7 – – 7 CMS 20-23 100% – – 937 – 937 86 323 937 – 1,346 Other RMS 1-6 0.00-4.50% 43 1 – – 44 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 11 – 11 43 1 11 – 55 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – 6 – – 6 CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – 6 – – 6 Total loans and advances to customers 518 992 1,432 78 3,020 In respect of: Retail 389 662 484 78 1,613 Commercial 86 323 937 – 1,346 Other 43 7 11 – 61 Total loans and advances to customers 518 992 1,432 78 3,020 The Group – Gross undrawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 12,024 19 – – 12,043 RMS 7-9 4.51-14.00% 2 1 – – 3 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – 5 90 95 12,026 20 5 90 12,141 Retail - unsecured RMS 1-6 0.00-4.50% 57,433 1,811 – – 59,244 RMS 7-9 4.51-14.00% 391 156 – – 547 RMS 10 14.01-20.00% 10 27 – – 37 RMS 11-13 20.01-99.99% 3 50 – – 53 RMS 14 100% – – 36 – 36 57,837 2,044 36 – 59,917 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1,565 – – – 1,565 RMS 7-9 4.51-14.00% 141 – – – 141 RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1,706 – – – 1,706 Retail - Other RMS 1-6 0.00-4.50% 1,381 47 – – 1,428 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% 360 – – – 360 RMS 14 100% – – 3 – 3 1,741 47 3 – 1,791 Total Retail 73,310 2,111 44 90 75,555 The Group – Gross undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 35,610 – – – 35,610 CMS 11-14 0.51-3.00% 6,196 526 – – 6,722 CMS 15-18 3.01-20.00% 70 269 – – 339 CMS 19 20.01-99.99% 31 11 – – 42 CMS 20-23 100% – – – – – 41,907 806 – – 42,713 Other RMS 1-6 0.00-4.50% 246 – – – 246 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 246 – – – 246 CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 115,463 2,917 44 90 118,514 In respect of: Retail 73,310 2,111 44 90 75,555 Commercial 41,907 806 – – 42,713 Other 246 – – – 246 Total loans and advances to customers 115,463 2,917 44 90 118,514 The Group – Expected credit losses in respect of undrawn exposures PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 1 – – – 1 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 1 – – – 1 Retail - unsecured RMS 1-6 0.00-4.50% 84 25 – – 109 RMS 7-9 4.51-14.00% 5 10 – – 15 RMS 10 14.01-20.00% – 3 – – 3 RMS 11-13 20.01-99.99% – 10 – – 10 RMS 14 100% – – – – – 89 48 – – 137 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 2 – – – 2 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 2 – – – 2 Retail - Other RMS 1-6 0.00-4.50% 11 2 – – 13 RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – 11 2 – – 13 Total Retail 103 50 – – 153 The Group – Expected credit losses in respect of undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Purchased Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 9 – – – 9 CMS 11-14 0.51-3.00% 7 7 – – 14 CMS 15-18 3.01-20.00% 1 5 – – 6 CMS 19 20.01-99.99% 1 1 – – 2 CMS 20-23 100% – – 6 – 6 18 13 6 – 37 Other RMS 1-6 0.00-4.50% – – – – – RMS 7-9 4.51-14.00% – – – – – RMS 10 14.01-20.00% – – – – – RMS 11-13 20.01-99.99% – – – – – RMS 14 100% – – – – – – – – – – CMS 1-10 0.00-0.50% – – – – – CMS 11-14 0.51-3.00% – – – – – CMS 15-18 3.01-20.00% – – – – – CMS 19 20.01-99.99% – – – – – CMS 20-23 100% – – – – – – – – – – Total loans and advances to customers 121 63 6 – 190 In respect of: Retail 103 50 – – 153 Commercial 18 13 6 – 37 Other – – – – – Total loans and advances to customers 121 63 6 – 190 The Bank – Gross drawn exposures PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% 4,453 – – 4,453 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 4,453 – – 4,453 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 46,904 2,972 – 49,876 RMS 7-9 4.51-14.00% – 510 – 510 RMS 10 14.01-20.00% – 116 – 116 RMS 11-13 20.01-99.99% – 291 – 291 RMS 14 100% – – 558 558 46,904 3,889 558 51,351 Retail - unsecured RMS 1-6 0.00-4.50% 7,586 298 – 7,884 RMS 7-9 4.51-14.00% 1,138 383 – 1,521 RMS 10 14.01-20.00% 38 89 – 127 RMS 11-13 20.01-99.99% 8 273 – 281 RMS 14 100% – – 260 260 8,770 1,043 260 10,073 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1,076 135 – 1,211 RMS 7-9 4.51-14.00% 22 54 – 76 RMS 10 14.01-20.00% – 17 – 17 RMS 11-13 20.01-99.99% – 34 – 34 RMS 14 100% – – 60 60 1,098 240 60 1,398 Retail - Other RMS 1-6 0.00-4.50% 1,746 151 – 1,897 RMS 7-9 4.51-14.00% – 271 – 271 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 105 105 1,746 422 105 2,273 Total Retail 58,518 5,594 983 65,095 The Bank – Gross drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 32,617 380 – 32,997 CMS 11-14 0.51-3.00% 20,200 2,034 – 22,234 CMS 15-18 3.01-20.00% 1,469 2,530 – 3,999 CMS 19 20.01-99.99% – 111 – 111 CMS 20-23 100% – – 1,400 1,400 54,286 5,055 1,400 60,741 Other RMS 1-6 0.00-4.50% 267 32 – 299 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 2 2 267 32 2 301 CMS 1-10 0.00-0.50% 52,605 – – 52,605 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 52,605 – – 52,605 Total loans and advances to customers 165,676 10,681 2,385 178,742 In respect of: Retail 58,518 5,594 983 65,095 Commercial 54,286 5,055 1,400 60,741 Other 52,872 32 2 52,906 Total loans and advances to customers 165,676 10,681 2,385 178,742 The Bank – Expected credit losses in respect of drawn exposures PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Loans and advances to banks: CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 2 28 – 30 RMS 7-9 4.51-14.00% – 7 – 7 RMS 10 14.01-20.00% – 3 – 3 RMS 11-13 20.01-99.99% – 9 – 9 RMS 14 100% – – 30 30 2 47 30 79 Retail - unsecured RMS 1-6 0.00-4.50% 68 12 – 80 RMS 7-9 4.51-14.00% 47 41 – 88 RMS 10 14.01-20.00% 4 17 – 21 RMS 11-13 20.01-99.99% 2 89 – 91 RMS 14 100% – – 93 93 121 159 93 373 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 21 4 – 25 RMS 7-9 4.51-14.00% 1 3 – 4 RMS 10 14.01-20.00% – 2 – 2 RMS 11-13 20.01-99.99% – 7 – 7 RMS 14 100% – – 32 32 22 16 32 70 Retail - Other RMS 1-6 0.00-4.50% 18 4 – 22 RMS 7-9 4.51-14.00% – 20 – 20 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 35 35 18 24 35 77 Total Retail 163 246 190 599 The Bank – Expected credit losses in respect of drawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 25 1 – 26 CMS 11-14 0.51-3.00% 40 33 – 73 CMS 15-18 3.01-20.00% 10 145 – 155 CMS 19 20.01-99.99% – 10 – 10 CMS 20-23 100% – – 309 309 75 189 309 573 Other RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 1 1 – – 1 1 CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 238 435 500 1,173 In respect of: Retail 163 246 190 599 Commercial 75 189 309 573 Other – – 1 1 Total loans and advances to customers 238 435 500 1,173 The Bank – Gross undrawn exposures PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 1,120 – – 1,120 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 1,120 – – 1,120 Retail - unsecured RMS 1-6 0.00-4.50% 18,671 437 – 19,108 RMS 7-9 4.51-14.00% 155 91 – 246 RMS 10 14.01-20.00% 2 15 – 17 RMS 11-13 20.01-99.99% – 28 – 28 RMS 14 100% – – 18 18 18,828 571 18 19,417 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 84 – – 84 RMS 7-9 4.51-14.00% 13 4 – 17 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 97 4 – 101 Retail - Other RMS 1-6 0.00-4.50% 839 – – 839 RMS 7-9 4.51-14.00% – 54 – 54 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 2 2 839 54 2 895 Total Retail 20,884 629 20 21,533 Stage 1 Stage 2 Stage 3 Total The Bank – Gross undrawn exposures (continued) PD range £m £m £m £m At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 25,847 44 – 25,891 CMS 11-14 0.51-3.00% 3,771 718 – 4,489 CMS 15-18 3.01-20.00% 197 206 – 403 CMS 19 20.01-99.99% – 38 – 38 CMS 20-23 100% – – 4 4 29,815 1,006 4 30,825 Other RMS 1-6 0.00-4.50% 191 – – 191 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 191 – – 191 CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 50,890 1,635 24 52,549 In respect of: Retail 20,884 629 20 21,533 Commercial 29,815 1,006 4 30,825 Other 191 – – 191 Total loans and advances to customers 50,890 1,635 24 52,549 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of undrawn exposures PD range £m £m £m £m At 31 December 2019 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – Retail - unsecured RMS 1-6 0.00-4.50% 18 8 – 26 RMS 7-9 4.51-14.00% 3 4 – 7 RMS 10 14.01-20.00% – 2 – 2 RMS 11-13 20.01-99.99% – 9 – 9 RMS 14 100% – – – – 21 23 – 44 Retail - UK Motor Finance RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – Retail - Other RMS 1-6 0.00-4.50% 10 – – 10 RMS 7-9 4.51-14.00% – 3 – 3 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 10 3 – 13 Total Retail 31 26 – 57 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of undrawn exposures (continued) PD range £m £m £m £m At 31 December 2019 Commercial CMS 1-10 0.00-0.50% 5 – – 5 CMS 11-14 0.51-3.00% 7 5 – 12 CMS 15-18 3.01-20.00% 1 9 – 10 CMS 19 20.01-99.99% – 2 – 2 CMS 20-23 100% – – 4 4 13 16 4 33 Other RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 44 42 4 90 In respect of: Retail 31 26 – 57 Commercial 13 16 4 33 Other – – – – Total loans and advances to customers 44 42 4 90 Stage 1 Stage 2 Stage 3 Total The Bank – Gross drawn exposures PD range £m £m £m £m At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 3,049 – – 3,049 CMS 11-14 0.51-3.00% 105 – – 105 CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 3,154 – – 3,154 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 49,298 3,159 – 52,457 RMS 7-9 4.51-14.00% 1 490 – 491 RMS 10 14.01-20.00% – 74 – 74 RMS 11-13 20.01-99.99% – 325 – 325 RMS 14 100% – – 644 644 49,299 4,048 644 53,991 Retail - unsecured RMS 1-6 0.00-4.50% 7,799 359 – 8,158 RMS 7-9 4.51-14.00% 591 284 – 875 RMS 10 14.01-20.00% 14 63 – 77 RMS 11-13 20.01-99.99% 5 228 – 233 RMS 14 100% – – 282 282 8,409 934 282 9,625 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 2,697 365 – 3,062 RMS 7-9 4.51-14.00% 40 130 – 170 RMS 10 14.01-20.00% – 50 – 50 RMS 11-13 20.01-99.99% 1 79 – 80 RMS 14 100% – – 75 75 2,738 624 75 3,437 Retail - Other RMS 1-6 0.00-4.50% 2,272 375 – 2,647 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 104 104 2,272 375 104 2,751 Total Retail 62,718 5,981 1,105 69,804 Stage 1 Stage 2 Stage 3 Total The Bank – Gross drawn exposures (continued) PD range £m £m £m £m At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 41,279 23 – 41,302 CMS 11-14 0.51-3.00% 16,563 2,259 – 18,822 CMS 15-18 3.01-20.00% 936 2,711 – 3,647 CMS 19 20.01-99.99% – 30 – 30 CMS 20-23 100% – – 1,356 1,356 58,778 5,023 1,356 65,157 Other RMS 1-6 0.00-4.50% 208 2 – 210 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 3 3 208 2 3 213 CMS 1-10 0.00-0.50% 38,675 – – 38,675 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 38,675 – – 38,675 Total loans and advances to customers 160,379 11,006 2,464 173,849 In respect of: Retail 62,718 5,981 1,105 69,804 Commercial 58,778 5,023 1,356 65,157 Other 38,883 2 3 38,888 Total loans and advances to customers 160,379 11,006 2,464 173,849 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of drawn exposures PD range £m £m £m £m At 31 December 2018 Loans and advances to banks: CMS 1-10 0.00-0.50% 1 – – 1 CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – 1 – – 1 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 3 21 – 24 RMS 7-9 4.51-14.00% – 7 – 7 RMS 10 14.01-20.00% – 2 – 2 RMS 11-13 20.01-99.99% – 11 – 11 RMS 14 100% – – 41 41 3 41 41 85 Retail - unsecured RMS 1-6 0.00-4.50% 69 14 – 83 RMS 7-9 4.51-14.00% 24 35 – 59 RMS 10 14.01-20.00% 1 14 – 15 RMS 11-13 20.01-99.99% 1 86 – 87 RMS 14 100% – – 92 92 95 149 92 336 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 23 7 – 30 RMS 7-9 4.51-14.00% 1 6 – 7 RMS 10 14.01-20.00% – 5 – 5 RMS 11-13 20.01-99.99% – 13 – 13 RMS 14 100% – – 45 45 24 31 45 100 Retail - Other RMS 1-6 0.00-4.50% 19 19 – 38 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 35 35 19 19 35 73 Total Retail 141 240 213 594 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of drawn exposures (continued) PD range £m £m £m £m At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 24 – – 24 CMS 11-14 0.51-3.00% 38 52 – 90 CMS 15-18 3.01-20.00% 6 205 – 211 CMS 19 20.01-99.99% – 5 – 5 CMS 20-23 100% – – 608 608 68 262 608 938 Other RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 2 2 – – 2 2 CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 209 502 823 1,534 In respect of: Retail 141 240 213 594 Commercial 68 262 608 938 Other – – 2 2 Total loans and advances to customers 209 502 823 1,534 Stage 1 Stage 2 Stage 3 Total The Bank – Gross undrawn exposures PD range £m £m £m £m At 31 December 2018 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% 753 – – 753 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 753 – – 753 Retail - unsecured RMS 1-6 0.00-4.50% 18,913 446 – 19,359 RMS 7-9 4.51-14.00% 81 70 – 151 RMS 10 14.01-20.00% 1 12 – 13 RMS 11-13 20.01-99.99% – 22 – 22 RMS 14 100% – – 15 15 18,995 550 15 19,560 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 346 – – 346 RMS 7-9 4.51-14.00% 25 – – 25 RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 371 – – 371 Retail - Other RMS 1-6 0.00-4.50% 1,103 42 – 1,145 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – 3 3 1,103 42 3 1,148 Total Retail 21,222 592 18 21,832 Stage 1 Stage 2 Stage 3 Total The Bank – Gross undrawn exposures (continued) PD range £m £m £m £m At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 31,474 – – 31,474 CMS 11-14 0.51-3.00% 3,858 383 – 4,241 CMS 15-18 3.01-20.00% 53 213 – 266 CMS 19 20.01-99.99% 31 3 – 34 CMS 20-23 100% – – – – 35,416 599 – 36,015 Other RMS 1-6 0.00-4.50% 50 – – 50 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 50 – – 50 CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 56,688 1,191 18 57,897 In respect of: Retail 21,222 592 18 21,832 Commercial 35,416 599 – 36,015 Other 50 – – 50 Total loans and advances to customers 56,688 1,191 18 57,897 Stage 1 Stage 2 Stage 3 Total The Bank – Expected credit losses in respect of undrawn exposures PD range £m £m £m £m At 31 December 2018 Loans and advances to customers: Retail - mortgages RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – Retail - unsecured RMS 1-6 0.00-4.50% 15 8 – 23 RMS 7-9 4.51-14.00% 2 5 – 7 RMS 10 14.01-20.00% – 2 – 2 RMS 11-13 20.01-99.99% – 6 – 6 RMS 14 100% – – – – 17 21 – 38 Retail - UK Motor Finance RMS 1-6 0.00-4.50% 1 – – 1 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 1 – – 1 Retail - Other RMS 1-6 0.00-4.50% 10 2 – 12 RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – 10 2 – 12 Total Retail 28 23 – 51 The Bank – Expected credit losses in respect of undrawn exposures (continued) PD range Stage 1 Stage 2 Stage 3 Total At 31 December 2018 Commercial CMS 1-10 0.00-0.50% 12 – – 12 CMS 11-14 0.51-3.00% 1 8 – 9 CMS 15-18 3.01-20.00% – 1 – 1 CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – 3 3 13 9 3 25 Other RMS 1-6 0.00-4.50% – – – – RMS 7-9 4.51-14.00% – – – – RMS 10 14.01-20.00% – – – – RMS 11-13 20.01-99.99% – – – – RMS 14 100% – – – – – – – – CMS 1-10 0.00-0.50% – – – – CMS 11-14 0.51-3.00% – – – – CMS 15-18 3.01-20.00% – – – – CMS 19 20.01-99.99% – – – – CMS 20-23 100% – – – – – – – – Total loans and advances to customers 41 32 3 76 In respect of: Retail 28 23 – 51 Commercial 13 9 3 25 Other – – – – Total loans and advances to customers 41 32 3 76
Disclosure of fair value of financial instruments [text block]	An analysis of financial assets at fair value through profit or loss is included in note 14. The credit quality of debt securities, treasury and other bills held at fair value through profit or loss is set out below. 2019 2018 The Group Investment 1 Other 2 Total Investment 1 Other 2 Total Trading assets Government securities 290 – 290 2,293 – 2,293 Asset-backed securities – – – 20 – 20 Corporate and other debt securities – – – 22 – 22 Total held as trading assets 290 – 290 2,335 – 2,335 Other assets mandatorily at fair value through profit or loss Corporate and other debt securities 47 – 47 518 – 518 Total other assets mandatorily at fair value through profit or loss 47 – 47 518 – 518 337 – 337 2,853 – 2,853 Due from fellow Lloyds Banking Group undertakings: Corporate and other debt securities – – Total held at fair value through profit or loss 337 2,853 2019 2018 The Bank Investment 1 Other 2 Total Investment 1 Other 2 Total Trading assets Government securities 290 – 290 2,293 – 2,293 Total held as trading assets 290 – 290 2,293 – 2,293 Other assets mandatorily at fair value through profit or loss Corporate and other debt securities 47 – 47 518 – 518 Total other assets mandatorily at fair value through profit or loss 47 – 47 518 – 518 337 – 337 2,811 – 2,811 Due from fellow Lloyds Banking Group undertakings: Corporate and other debt securities – – Total held at fair value through profit or loss 337 2,811 1 Credit ratings equal to or better than ‘BBB’. 2 Other comprises sub-investment grade (2019: £nil; 2018: £nil) and not rated (2019: £nil; 2018: £nil). 1 Credit ratings equal to or better than ‘BBB’. 2 Other comprises sub-investment grade (2019: £nil; 2018: £nil) and not rated (2019: £nil; 2018: £nil).
Analysis of Loan-to-value ratio of Residential Mortgage Lending	An analysis by loan-to-value ratio of the Group’s and the Bank’s residential mortgage lending is provided below. The value of collateral used in determining the loan-to-value ratios has been estimated based upon the last actual valuation, adjusted to take into account subsequent movements in house prices, after making allowances for indexation error and dilapidations. In some circumstances, where the discounted value of the estimated net proceeds from the liquidation of collateral (i.e. net of costs, expected haircuts and anticipated changes in the value of the collateral to the point of sale) is greater than the estimated exposure at default, no credit losses are expected and no ECL allowance is recognised. The Group Stage 1 Stage 2 Stage 3 Purchased or Total gross At 31 December 2019 Less than 70 per cent 179,566 13,147 1,174 10,728 204,615 70 per cent to 80 per cent 44,384 2,343 181 1,751 48,659 80 per cent to 90 per cent 27,056 1,057 86 677 28,876 90 per cent to 100 per cent 5,663 199 34 207 6,103 Greater than 100 per cent 374 189 31 351 945 Total 257,043 16,935 1,506 13,714 289,198 The Group Stage 1 Stage 2 Stage 3 Purchased or Total gross At 31 December 2018 Less than 70 per cent 185,556 10,728 1,035 11,846 209,165 70 per cent to 80 per cent 41,827 1,802 190 1,884 45,703 80 per cent to 90 per cent 24,854 832 95 1,032 26,813 90 per cent to 100 per cent 4,957 164 39 302 5,462 Greater than 100 per cent 603 128 34 327 1,092 Total 257,797 13,654 1,393 15,391 288,235 The Bank Stage 1 Stage 2 Stage 3 Total gross At 31 December 2019 Less than 70 per cent 39,054 3,004 424 42,482 70 per cent to 80 per cent 4,848 529 68 5,445 80 per cent to 90 per cent 2,428 264 38 2,730 90 per cent to 100 per cent 516 49 18 583 Greater than 100 per cent 58 43 10 111 Total 46,904 3,889 558 51,351 The Bank Stage 1 Stage 2 Stage 3 Total gross At 31 December 2018 Less than 70 per cent 41,695 3,193 485 45,373 70 per cent to 80 per cent 4,668 483 75 5,226 80 per cent to 90 per cent 2,333 247 43 2,623 90 per cent to 100 per cent 527 68 21 616 Greater than 100 per cent 76 57 20 153 Total 49,299 4,048 644 53,991
Available-for-Sale Financial Assets (Excluding Equity Shares) [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of Available-for-Sale Financial Assets (Excluding Equity Shares) [text block]	An analysis of financial assets at fair value through other comprehensive income is included in note 19. The credit quality of financial assets at fair value through other comprehensive income (excluding equity shares) is set out below: 2019 2018 The Group Investment 1 Other 2 Total Investment 1 Other 2 Total Debt securities Government securities 13,082 – 13,082 18,971 – 18,971 Asset-backed securities – 60 60 – 57 57 Corporate and other debt securities 11,036 – 11,036 4,934 185 5,119 Total debt securities 24,118 60 24,178 23,905 242 24,147 Treasury and other bills 439 – 439 221 – 221 Total financial assets at fair value through other comprehensive income 24,557 60 24,617 24,126 242 24,368 2019 2018 The Bank Investment 1 Other 2 Total Investment 1 Other 2 Total Debt securities Government securities 12,938 – 12,938 18,831 – 18,831 Asset-backed securities – – – – 5 5 Corporate and other debt securities 8,783 – 8,783 4,151 – 4,151 Total debt securities 21,721 – 21,721 22,982 5 22,987 Treasury and other bills 439 – 439 221 – 221 22,160 – 22,160 23,203 5 23,208 Due from fellow Lloyds Banking Group undertakings: Corporate and other debt securities – – Total financial assets at fair value through other comprehensive income 22,160 23,208 1 Credit ratings equal to or better than ‘BBB’. 2 Other comprises sub-investment grade (2019: £60 million; 2018: £52 million) and not rated (2019: £nil; 2018: £190 million). 1 Credit ratings equal to or better than ‘BBB’. 2 Other comprises sub-investment grade (2019: £nil; 2018: £nil) and not rated (2019: £nil; 2018: £5 million).
Derivative assets [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of Derivative Assets [text block]	2019 2018 The Group Investment 1 Other 2 Total Investment 1 Other 2 Total Trading and other 5,531 1,267 6,798 5,901 1,320 7,221 Hedging 1,047 58 1,105 1,467 16 1,483 6,578 1,325 7,903 7,368 1,336 8,704 Due from fellow Lloyds Banking Group undertakings 591 2,589 Total derivative financial instruments 8,494 11,293 The Bank Trading and other 4,113 209 4,322 4,563 525 5,088 Hedging 178 1 179 385 15 400 4,291 210 4,501 4,948 540 5,488 Due from fellow Lloyds Banking Group undertakings 9,137 9,943 Total derivative financial instruments 13,638 15,431 1 Credit ratings equal to or better than ‘BBB’. 2 Other comprises sub-investment grade (2019: £953 million for the Group and £135 million for the Bank; 2018: £1,282 million for the Group and £488 million for the Bank) and not rated (2019: £372 million for the Group and £75 million for the Bank; 2018: £54 million for the Group and £52 million for the Bank).
Concentrations of risk [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of loans and advances to customers [text block]	The Group The Bank 2019 £m 2018 2019 £m 2018 Agriculture, forestry and fishing 7,557 7,308 2,949 3,020 Energy and water supply 1,423 1,356 1,328 1,243 Manufacturing 4,869 6,696 3,811 5,725 Construction 4,190 4,468 3,255 3,108 Transport, distribution and hotels 12,657 13,932 8,350 9,943 Postal and telecommunications 1,679 2,395 1,130 1,646 Property companies 26,736 27,207 22,982 23,087 Financial, business and other services 73,087 61,256 68,461 55,407 Personal: Mortgages 1 298,294 296,790 52,341 55,022 Other 29,165 28,617 10,060 9,680 Lease financing 1,536 1,686 93 194 Hire purchase 16,440 15,353 3,982 5,774 Total loans and advances to customers before allowance for impairment losses 477,633 467,064 178,742 173,849 Allowance for impairment losses (note 18) (3,163 ) (3,020 ) (1,173 ) (1,534 ) Total loans and advances to customers 474,470 464,044 177,569 172,315 1 Includes both UK and overseas mortgage balances.
Securities lending [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of transfers of financial assets [text block]	The following on balance sheet financial assets have been lent to counterparties under securities lending transactions: The Group The Bank 2019 2018 2019 2018 £m £m £m £m Financial assets at fair value through profit or loss 470 723 634 715 Financial assets at fair value through other comprehensive income 854 1,025 1,467 731 1,324 1,748 2,101 1,446
Loans to corporate entities [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of Debt Securities Classified as Loans and Receivables [text block]	An analysis by credit rating of debt securities held at amortised cost is provided below: 2019 2018 The Group Investment 1 Other 2 Total Investment 1 Other 2 Total Asset-backed securities: Mortgage-backed securities 2,934 – 2,934 3,262 9 3,271 Other asset-backed securities 874 – 874 631 17 648 3,808 – 3,808 3,893 26 3,919 Corporate and other debt securities 1,517 1 1,518 1,176 2 1,178 Gross exposure 5,325 1 5,326 5,069 28 5,097 Allowance for impairment losses (1 ) (2 ) Total debt securities held at amortised cost 5,325 5,095 The Bank Asset-backed securities: Mortgage-backed securities 2,926 – 2,926 3,263 – 3,263 Other asset-backed securities 798 – 798 521 – 521 3,724 – 3,724 3,784 – 3,784 Corporate and other debt securities 1,517 – 1,517 1,176 – 1,176 Gross exposure 5,241 – 5,241 4,960 – 4,960 Allowance for impairment losses – – Total debt securities held at amortised cost 5,241 4,960 1 Credit ratings equal to or better than ‘BBB’. 2 Other comprises sub-investment grade (2019: £nil for the Group and £nil for the Bank; 2018: £6 million for the Group and £nil for the Bank) and not rated (2019: £1 million for the Group and £nil for the Bank; 2018: £22 million for the Group and £nil for the Bank).
Financial liabilities, category [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Disclosure of maturity analysis for non-derivative financial liabilities [text block]	The tables below analyse financial instrument liabilities of the Group and the Bank on an undiscounted future cash flow basis according to contractual maturity, into relevant maturity groupings based on the remaining period at the balance sheet date; balances with no fixed maturity are included in the over 5 years category. Certain balances, included in the table below on the basis of their residual maturity, are repayable on demand upon payment of a penalty. The Group Up to 1-3 3-12 1-5 Over 5 Total At 31 December 2019 Deposits from banks 4,099 2,302 248 17,142 317 24,108 Customer deposits 368,331 11,440 11,861 9,271 1,276 402,179 Financial liabilities at fair value through profit or loss 30 71 298 1,330 13,213 14,942 Debt securities in issue 4,174 8,186 15,117 41,816 28,696 97,989 Other liabilities (lease liabilities) 2 60 187 793 935 1,977 Subordinated liabilities 245 1,472 1,711 7,593 6,513 17,534 Total non-derivative financial liabilities 376,881 23,531 29,422 77,945 50,950 558,729 Derivative financial liabilities: Gross settled derivatives – outflows 2,492 3,053 10,815 25,935 13,884 56,179 Gross settled derivatives – inflows (968 ) (2,636 ) (10,744 ) (25,838 ) (13,829 ) (54,015 ) Gross settled derivatives – net flows 1,524 417 71 97 55 2,164 Net settled derivative liabilities 14,654 (16 ) 1 129 383 15,151 Total derivative financial liabilities 16,178 401 72 226 438 17,315 The Group Up to 1-3 3-12 1-5 Over 5 Total At 31 December 2018 Deposits from banks 1,938 2,401 865 20,302 1,362 26,868 Customer deposits 361,233 7,298 12,066 9,825 1,554 391,976 Financial liabilities at fair value through profit or loss 3,807 6,165 5,389 931 10,771 27,063 Debt securities in issue 4,714 5,580 19,741 35,123 12,677 77,835 Subordinated liabilities 236 1,164 953 6,871 10,444 19,668 Total non-derivative financial liabilities 371,928 22,608 39,014 73,052 36,808 543,410 Derivative financial liabilities: Gross settled derivatives – outflows 1,161 1,704 6,503 21,645 13,207 44,220 Gross settled derivatives – inflows (924 ) (1,528 ) (6,185 ) (20,173 ) (11,450 ) (40,260 ) Gross settled derivatives – net flows 237 176 318 1,472 1,757 3,960 Net settled derivative liabilities 5,778 (9 ) 39 285 576 6,669 Total derivative financial liabilities 6,015 167 357 1,757 2,333 10,629 The Bank Up to 1-3 3-12 1-5 Over 5 Total At 31 December 2019 Deposits from banks 3,933 2,302 144 824 317 7,520 Customer deposits 227,825 9,620 4,727 1,330 1,176 244,678 Financial liabilities at fair value through profit or loss 30 71 298 1,330 13,165 14,894 Debt securities in issue 3,323 4,341 12,569 34,779 26,628 81,640 Other liabilities (lease liabilities) 1 35 109 446 513 1,104 Subordinated liabilities 173 1,416 1,572 6,254 3,497 12,912 Total non-derivative financial liabilities 235,285 17,785 19,419 44,963 45,296 362,748 Derivative financial liabilities: Gross settled derivatives – outflows 1,631 2,906 10,228 24,164 12,130 51,059 Gross settled derivatives – inflows (932 ) (2,523 ) (10,160 ) (24,038 ) (11,911 ) (49,564 ) Gross settled derivatives – net flows 699 383 68 126 219 1,495 Net settled derivative liabilities 10,539 (19 ) (6 ) 59 243 10,816 Total derivative financial liabilities 11,238 364 62 185 462 12,311 The Bank Up to 1-3 3-12 1-5 Over 5 Total At 31 December 2018 Deposits from banks 1,860 1,472 701 112 1,362 5,507 Customer deposits 219,209 4,845 3,956 693 810 229,513 Trading and other financial liabilities at fair value through profit or loss 3,839 6,216 5,434 887 10,754 27,130 Debt securities in issue 4,181 4,083 16,637 25,590 11,813 62,304 Subordinated liabilities 190 416 487 5,706 5,992 12,791 Total non-derivative financial liabilities 229,279 17,032 27,215 32,988 30,731 337,245 Derivative financial liabilities: Gross settled derivatives – outflows 1,083 1,630 6,364 18,279 11,908 39,264 Gross settled derivatives – inflows (884 ) (1,466 ) (6,054 ) (16,992 ) (10,296 ) (35,692 ) Gross settled derivatives – net flows 199 164 310 1,287 1,612 3,572 Net settled derivative liabilities 4,302 (18 ) 6 152 351 4,793 Total derivative financial liabilities 4,501 146 316 1,439 1,963 8,365
Off balance sheet [member]
FINANCIAL RISK MANAGEMENT (Tables) [Line Items]
Maturity Analysis For Commitments And Contingent Liabilities	The following tables set out the amounts and residual maturities of off balance sheet contingent liabilities, commitments and guarantees. The Group Within 1-3 3-5 Over 5 Total 31 December 2019 Acceptances and endorsements 17 – – – 17 Other contingent liabilities 1,422 349 99 683 2,553 Total contingent liabilities 1,439 349 99 683 2,570 Lending commitments and guarantees 90,953 11,756 10,571 2,983 116,263 Other commitments 5 71 43 52 171 Total commitments and guarantees 90,958 11,827 10,614 3,035 116,434 Total contingents, commitments and guarantees 92,397 12,176 10,713 3,718 119,004 31 December 2018 Acceptances and endorsements 32 – – – 32 Other contingent liabilities 1,324 551 133 747 2,755 Total contingent liabilities 1,356 551 133 747 2,787 Lending commitments and guarantees 89,567 12,445 11,554 4,215 117,781 Other commitments 524 20 13 176 733 Total commitments and guarantees 90,091 12,465 11,567 4,391 118,514 Total contingents, commitments and guarantees 91,447 13,016 11,700 5,138 121,301 The Bank Within 1-3 3-5 Over 5 Total 31 December 2019 Acceptances and endorsements 16 – – – 16 Other contingent liabilities 1,323 271 99 580 2,273 Total contingent liabilities 1,339 271 99 580 2,289 Lending commitments and guarantees 30,727 9,806 9,694 2,165 52,392 Other commitments 5 71 43 38 157 Total commitments and guarantees 30,732 9,877 9,737 2,203 52,549 Total contingents, commitments and guarantees 32,071 10,148 9,836 2,783 54,838 31 December 2018 Acceptances and endorsements 31 – – – 31 Other contingent liabilities 1,239 465 133 624 2,461 Total contingent liabilities 1,270 465 133 624 2,492 Lending commitments and guarantees 32,769 10,548 10,828 3,068 57,213 Other commitments 522 20 13 129 684 Total commitments and guarantees 33,291 10,568 10,841 3,197 57,897 Total contingents, commitments and guarantees 34,561 11,033 10,974 3,821 60,389

CAPITAL (Tables)

CAPITAL (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of objectives, policies and processes for managing capital [text block] [Abstract]
Capital Requirements Directive and Regulation Resources [table text block]	The Group’s transitional capital resources are summarised as follows: 2019 2018 Common equity tier 1 capital 24,637 25,457 Additional tier 1 capital 6,905 5,937 Tier 2 capital 6,434 7,087 Total capital 37,976 38,481

CASH FLOW STATEMENTS (Tables)

CASH FLOW STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of cash flow statement [text block] [Abstract]
Disclosure of Change in Operating Assets [text block]	The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Change in financial assets held at amortised cost (11,832 ) (10,338 ) (25,178 ) (5,482 ) (992 ) (2,832 ) Changes in amounts due from fellow Lloyds Banking Group undertakings 24 4,827 810 (48,692 ) 9,875 (23,861 ) Change in derivative financial instruments and financial assets at fair value through profit or loss 24,649 40,137 9,285 22,568 37,356 15,459 Change in other operating assets 63 (442 ) (650 ) 63 295 69 Change in operating assets 12,904 34,184 (15,733 ) (31,543 ) 46,534 (11,165 )
Disclosure of change in operating liabilities [text block]	The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Change in deposits from banks (2,670 ) (2,677 ) 13,415 1,802 (2,219 ) (1,917 ) Change in customer deposits 5,593 (11,901 ) 2,935 10,360 (5,258 ) 13,417 Changes in amounts due to fellow Lloyds Banking Group undertakings (8,142 ) (5,466 ) 44 28,016 (23,522 ) 12,812 Change in debt securities in issue 11,898 4,730 (11,968 ) 11,722 1,442 (6,079 ) Change in derivative financial instruments and financial liabilities at fair value through profit or loss (11,527 ) (45,383 ) (12,677 ) (10,776 ) (46,514 ) (15,110 ) Change in investment contract liabilities – (353 ) (4,665 ) – – – Change in other operating liabilities 1 (782 ) (383 ) (463 ) (1,823 ) (648 ) 340 Change in operating liabilities (5,630 ) (61,433 ) (13,379 ) 39,301 (76,719 ) 3,463
Disclosure of Non-cash and other items [text block]	The Group The Bank 2019 2018 2017 2019 2018 2017 £m £m £m £m £m £m Depreciation and amortisation 2,602 2,374 2,370 1,245 1,031 932 Permanent diminution in value of investment in subsidiaries – – – 159 92 302 Dividends received from subsidiary undertakings – – – (1,434 ) (4,968 ) (4,479 ) Revaluation of investment properties 8 (46 ) (230 ) – – – Allowance for loan losses 1,380 1,012 691 490 553 465 Write-off of allowance for loan losses, net of recoveries (1,457 ) (1,000 ) (1,062 ) (759 ) (608 ) (475 ) Impairment charge relating to undrawn balances (17 ) (72 ) (9 ) 14 (46 ) (3 ) Impairment of financial assets at fair value through other comprehensive income (2017: available-for-sale financial assets) (1 ) (14 ) 6 (1 ) (2 ) – Change in insurance contract liabilities – (1,520 ) 9,169 – – – Payment protection insurance provision 1,795 1,395 1,300 859 628 781 Other regulatory provisions 395 561 865 137 311 342 Other provision movements (161 ) (509 ) (8 ) (43 ) (413 ) (48 ) Additional capital injections to subsidiaries – – – (53 ) (72 ) (149 ) Charge in respect of defined benefit schemes 245 404 369 131 196 165 Unwind of discount on impairment allowances (52 ) (39 ) (23 ) (32 ) (33 ) (37 ) Foreign exchange element on balance sheet 1 420 (365 ) 209 (230 ) (130 ) 718 Interest expense on subordinated liabilities 947 1,072 1,285 657 654 664 Loss (profit) on disposal of businesses (107 ) (1,010 ) – – 21 (555 ) Other non-cash items (295 ) 933 537 (142 ) 990 1,181 Total non-cash items 5,702 3,176 15,469 998 (1,796 ) (196 ) Contributions to defined benefit schemes (1,069 ) (868 ) (587 ) (563 ) (455 ) (401 ) Payments in respect of payment protection insurance provision (2,457 ) (2,101 ) (1,657 ) (1,156 ) (1,057 ) (946 ) Payments in respect of other regulatory provisions (707 ) (956 ) (928 ) (229 ) (302 ) (430 ) Other – 6 – – – – Total other items (4,233 ) (3,919 ) (3,172 ) (1,948 ) (1,814 ) (1,777 ) Non-cash and other items 1,469 (743 ) 12,297 (950 ) (3,610 ) (1,973 )
Disclosure of cash and cash equivalents [text block]	The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Cash and balances with central banks 38,880 40,213 58,521 35,741 37,632 55,835 Less: mandatory reserve deposits 1 (3,177 ) (2,541 ) (957 ) (764 ) (803 ) (535 ) 35,703 37,672 57,564 34,977 36,829 55,300 Loans and advances to banks 4,852 3,692 4,274 4,453 3,153 3,611 Loans and advances to banks within disposal group – – 2,337 – – – Less: amounts with a maturity of three months or more (1,941 ) (1,641 ) (3,193 ) (1,648 ) (1,328 ) (2,791 ) 2,911 2,051 3,418 2,805 1,825 820 Total cash and cash equivalents 38,614 39,723 60,982 37,782 38,654 56,120 Cash and cash equivalents of continuing operations 38,614 39,723 58,645 37,782 38,654 56,120 Cash and cash equivalents in disposal group – – 2,337 – – – Total cash and cash equivalents 38,614 39,723 60,982 37,782 38,654 56,120
Disclosure of Acquisitions of Group Undertakings and Businesses [text block]	The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Net assets acquired: Cash and cash equivalents – – 123 – – – Loans and advances to customers – – 7,811 – – 7,311 Available-for-sale financial assets 16 – Intangible assets – 21 702 – – – Property, plant and equipment – – 6 – – 1 Other assets – 6 414 – – 5 Customer deposits – – – – – (8,114 ) Deposits from banks 1 – – (6,431 ) – – – Net balances with group undertakings – – – – – 1,305 Other liabilities – (1 ) (927 ) – – (103 ) Goodwill arising on acquisition – – 302 – – – Adjustment on vesting of businesses – – – – – (278 ) Investments in subsidiaries derecognised on vesting of businesses – – – – – (127 ) Cash consideration – 26 2,016 – – – Less: Cash and cash equivalents acquired – – (123 ) – – – Net cash outflow arising from acquisitions – 26 1,893 – – – Investment in subsidiary acquired – – – – 98 2,026 Acquisition of and additional investment in joint ventures – – 20 – – – Net cash outflow from acquisitions in the year – 26 1,913 – 98 2,026
Disclosure of disposal of group undertakings and businesses	The Group The Bank 2019 £m 2018 2017 2019 £m 2018 2017 Financial assets at fair value through profit or loss – 125,379 2,117 – – – Loans and advances to customers – 3,495 344 – – – Due from fellow group undertakings – 14,436 176 – – – Derivative financial instruments – 3,027 – – – – Investment property – 3,639 – – – – Goodwill – 1,836 – – – – Value of in-force business – 4,902 – – – – Available-for-sale financial assets 375 – Property, plant and equipment – 48 11 – – – – 156,762 3,023 – – – Customer deposits – (15,236 ) (22 ) – – – Due to fellow Lloyds Banking Group undertakings – (2,584 ) (1,706 ) – – – Derivative financial instruments – (2,762 ) – – – – Liabilities from insurance and investment contracts – (117,021 ) – – – – Subordinated liabilities – (2,494 ) – – – – Non-controlling interests – (305 ) (387 ) – – – Other net assets (liabilities) – (8,759 ) 50 – – – – (149,161 ) (2,065 ) – – – Net assets (liabilities) disposed of – 7,601 958 – – – Investment in subsidiary disposed of – – – 20 7,725 37 Disposal of investment in joint ventures – – 26 – – – Profit (loss) on sale of businesses 107 1,010 – – (21 ) 555 Cash consideration received on losing control of group undertakings and businesses 107 8,611 984 20 7,704 592 Cash and cash equivalents disposed – (7 ) – – – – Net cash inflow 107 8,604 984 20 7,704 592

BASIS OF PREPARATION (Details)

BASIS OF PREPARATION (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Bank [member]
BASIS OF PREPARATION (Details) [Line Items]
Increase (decrease) in fair value measurement due to reasonably possible decrease in unobservable input, recognised in profit or loss, after tax, assets	£ 76
The Group [member]
BASIS OF PREPARATION (Details) [Line Items]
Increase (decrease) in fair value measurement due to reasonably possible decrease in unobservable input, recognised in profit or loss, after tax, assets	£ 76	£ 74	£ 74

ACCOUNTING POLICIES (Details)

ACCOUNTING POLICIES (Details)	12 Months Ended
	Dec. 31, 2019
Bottom of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Proportion of voting rights held by non-controlling interests	20.00%
Top of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Proportion of voting rights held by non-controlling interests	50.00%
Computer software [member] | Top of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	7 years
Brand names [member] | Bottom of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	10 years
Brand names [member] | Top of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	15 years
Fixtures and Furnishings [member] | Bottom of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	10 years
Fixtures and Furnishings [member] | Top of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	20 years
Equipment and Motor Vehicles [member] | Bottom of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	2 years
Equipment and Motor Vehicles [member] | Top of range [member]
ACCOUNTING POLICIES (Details) [Line Items]
Useful life measured as period of time, property, plant and equipment	8 years

CRITICAL ACCOUNTING JUDGEMENT_3

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Information about entity's definitions of default	The probability of default (PD) of an exposure, both over a 12 month period and over its lifetime, is a key input to the measurement of the ECL allowance. Default has occurred when there is evidence that the customer is experiencing significant financial difficulty which is likely to affect the ability to repay amounts due. The definition of default adopted by the Group is described in note 2(h) Impairment of financial assets. The Group has rebutted the presumption in IFRS 9 that default occurs no later than when a payment is 90 days past due for UK mortgages. As a result, at 31 December 2019, approximately £0.6 billion of UK mortgages (31 December 2018: £0.6 billion) were classified as Stage 2 rather than Stage 3; the impact the Group’s ECL allowance was not material.
Defined Benefit Obligation Average Duration	18 years
The Group [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Allowance account for credit losses of financial assets	£ 3,380	£ 3,213
Net defined benefit liability (asset)	550	1,146	£ 586
Net defined benefit asset	681	1,267
Net defined benefit liability	257	245
Deferred tax assets	3,366	3,222
Other provisions	3,138	4,025
Financial assets, at fair value	35,395	58,917
Financial liabilities, at fair value	17,533	28,641
The Group [member] | Defined benefit pension schemes [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Net defined benefit liability (asset)	550	1,146
Net defined benefit asset	681	1,267
Net defined benefit liability	131	121
The Group [member] | Previously stated [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Deferred tax assets	2,029	1,984
The Bank [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Allowance account for credit losses of financial assets	1,336	1,656
Net defined benefit liability (asset)	347	667	£ 633
Net defined benefit asset	386	704
Net defined benefit liability	124	121
Deferred tax assets	2,029	1,984
Other provisions	1,436	1,919
Financial assets, at fair value	36,501	59,482
Financial liabilities, at fair value	21,908	32,265
The Bank [member] | Defined benefit pension schemes [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Net defined benefit liability (asset)	347	667
Net defined benefit asset	386	704
Net defined benefit liability	39	37
Postmodel Adjustments [Member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Increase (decrease) in allowance account for credit losses of financial assets	161	195
Historical Regulatory Breaches [Member] | The Group [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Other provisions	2,269	2,908
Historical Regulatory Breaches [Member] | The Bank [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Other provisions	783	1,172
Trading Losses [member] | The Group [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Deferred tax assets	3,600	3,783
Trading Losses [member] | The Bank [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Deferred tax assets	2,198	2,284
Not Recognized | The Group [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Deferred tax assets	237	255
Not Recognized | The Bank [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Deferred tax assets	96	112
Drawn balance [member] | The Group [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Allowance account for credit losses of financial assets	3,207	3,023
Drawn balance [member] | The Bank [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Allowance account for credit losses of financial assets	1,246	1,580
End Of Term Risk On Interest Only Mortgages [Member] | Postmodel Adjustments [Member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Increase (decrease) in allowance account for credit losses of financial assets	132	114
Mortgage Accounts In Long Term Default [Member] | Postmodel Adjustments [Member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Increase (decrease) in allowance account for credit losses of financial assets	33	47
Extension Of Modelled Lifetime On Retail Revolving Products [Member] | Postmodel Adjustments [Member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Increase (decrease) in allowance account for credit losses of financial assets	36	34
Temporary Effects Of Bureau Data Changes [Member] | Postmodel Adjustments [Member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) [Line Items]
Increase (decrease) in allowance account for credit losses of financial assets	£ 40

CRITICAL ACCOUNTING JUDGEMENT_4

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions	Dec. 31, 2019	Dec. 31, 2018
Base Case [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	1.25%	1.25%
Unemployment rate	4.30%	4.50%
House price growth	1.30%	2.50%
Commercial real estate price growth	(0.20%)	0.40%
Base Case [member] | Start To Peak [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	1.75%	1.75%
Unemployment rate	4.60%	4.80%
House price growth	6.00%	13.70%
Commercial real estate price growth	0.10%	0.10%
Base Case [member] | Start To Trough [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.75%	0.75%
Unemployment rate	3.80%	4.10%
House price growth	(1.90%)	0.40%
Commercial real estate price growth	(0.90%)	(0.10%)
Upside [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	2.04%	2.34%
Unemployment rate	3.90%	3.90%
House price growth	5.00%	6.10%
Commercial real estate price growth	1.80%	5.30%
Upside [member] | Start To Peak [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	2.56%	4.00%
Unemployment rate	4.60%	4.30%
House price growth	26.30%	34.90%
Commercial real estate price growth	10.40%	26.90%
Upside [member] | Start To Trough [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.75%	0.75%
Unemployment rate	3.40%	3.50%
House price growth	(0.80%)	2.30%
Commercial real estate price growth	0.30%	0.00%
Downside [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.49%	1.30%
Unemployment rate	5.80%	5.30%
House price growth	(2.60%)	(4.80%)
Commercial real estate price growth	(3.80%)	(4.70%)
Downside [member] | Start To Peak [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.75%	1.75%
Unemployment rate	6.90%	6.30%
House price growth	(1.90%)	0.60%
Commercial real estate price growth	(0.60%)	(0.50%)
Downside [member] | Start To Trough [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.35%	0.75%
Unemployment rate	3.90%	4.30%
House price growth	(14.80%)	(26.50%)
Commercial real estate price growth	(17.50%)	(23.80%)
Severe Downside [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.11%	0.71%
Unemployment rate	7.20%	6.90%
House price growth	(7.10%)	(7.50%)
Commercial real estate price growth	(7.10%)	(6.40%)
Severe Downside [member] | Start To Peak [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.75%	1.25%
Unemployment rate	8.30%	8.60%
House price growth	(2.30%)	(1.60%)
Commercial real estate price growth	(1.10%)	(0.50%)
Severe Downside [member] | Start To Trough [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Key Economic Assumptions [Line Items]
Interest rate	0.01%	0.25%
Unemployment rate	3.90%	4.20%
House price growth	(33.10%)	(33.50%)
Commercial real estate price growth	(30.90%)	(33.80%)

CRITICAL ACCOUNTING JUDGEMENT_5

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Multiple Economic Scenarios - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Base Case [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Multiple Economic Scenarios [Line Items]
Impact of multiple economic scenarios	£ 3,189	£ 2,951
Probability Weighted [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Multiple Economic Scenarios [Line Items]
Impact of multiple economic scenarios	3,380	3,213
Difference [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Multiple Economic Scenarios [Line Items]
Impact of multiple economic scenarios	£ 191	£ 262

CRITICAL ACCOUNTING JUDGEMENT_6

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Upside [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss [Line Items]
ECL allowance	£ 2,926	£ 2,626
Downside [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss [Line Items]
ECL allowance	£ 3,602	£ 3,424

CRITICAL ACCOUNTING JUDGEMENT_7

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss Relating to House Price Index - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
HPI 10pp Increase [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss Relating to House Price Index [Line Items]
ECL impact	£ (110)	£ (114)
HPI 10pp Decrease [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss Relating to House Price Index [Line Items]
ECL impact	£ 147	£ 154

CRITICAL ACCOUNTING JUDGEMENT_8

CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss Relating to Unemployment - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Unemployment Increase 1pp [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss Relating to Unemployment [Line Items]
ECL impact	£ 141	£ 172
Unemployment Decrease 1pp [member]
CRITICAL ACCOUNTING JUDGEMENTS AND ESTIMATES (Details) - Schedule of Expected Credit Loss Relating to Unemployment [Line Items]
ECL impact	£ (143)	£ (155)

SEGMENTAL ANALYSIS (Details)

SEGMENTAL ANALYSIS (Details)	12 Months Ended
	Dec. 31, 2019
Disclosure of operating segments [text block] [Abstract]
Segment Reporting Information, Description of Products and Services	The Group’s activities are organised into two financial reporting segments: Retail and Commercial Banking.

SEGMENTAL ANALYSIS (Details) -

SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments - Underlying Basis [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
The Group [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Net interest income	£ 12,220	£ 12,754	[1]	£ 12,364	[1]
Other income	4,388	4,220		4,988
Total income	16,608	16,974		17,352
Operating costs	(11,123)	(11,768)		(11,630)
Trading surplus	5,485	5,206		5,722
Impairment (charge) credit	(1,362)	(926)		(687)
Profit (loss) before tax	4,123	4,280		5,035
External income	16,608	16,974		17,352
Segment income	16,608	16,974		17,352
Segment external assets	581,368	593,524		668,803
Segment external liabilities	542,469	553,774		625,318
Underlying other income, net of insurance claims	2,363	2,497		2,786
Fees and commissions payable	(1,027)	(1,228)		(1,024)
Net fee and commission income	1,336	1,269		1,762
Operating lease income	1,247	1,341		1,344
Gains less losses on disposal of financial assets at fair value through other comprehensive income	196	268		464
Other income	1,609	1,342		1,417
Segment other income	4,388	4,220		4,988
Other segment items reflected in income statement above:
Depreciation and amortisation	2,602	2,349		2,292
Defined benefit scheme charges	245	400		341
Other segment items:
Additions to fixed assets	3,552	3,378		3,423
Investments in joint ventures and associates at end of year	3	5		9
Rental income from investment properties				1
The Group [member] | Current Accounts [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	656	647		712
The Group [member] | Credit and Debit Card [Member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	961	974		949
The Group [member] | Corporate Banking and Treasury Fees
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	166	271		321
The Group [member] | Private Banking and Asset Management [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	38	94		98
The Group [member] | Factoring of receivables [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	103	83		91
The Group [member] | Other Fees and Commissions [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	439	428		615
5200 to 5999 Retail Trade [Member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Net interest income	8,753	9,008	[1]	8,680	[1]
Other income	2,020	1,917		2,165
Total income	10,773	10,925		10,845
Operating costs	(7,905)	(7,702)		(8,128)
Trading surplus	2,868	3,223		2,717
Impairment (charge) credit	(1,038)	(861)		(625)
Profit (loss) before tax	1,830	2,362		2,092
External income	13,038	12,893		12,783
Inter-segment income	(2,265)	(1,968)		(1,938)
Segment income	10,773	10,925		10,845
Segment external assets	350,521	349,380		350,154
Segment external liabilities	259,946	260,419		258,469
Underlying other income, net of insurance claims	1,215	1,201		1,304
Fees and commissions payable	(571)	(757)		(636)
Net fee and commission income	644	444		668
Operating lease income	1,225	1,305		1,281
Other income	151	168		216
Segment other income	2,020	1,917		2,165
Other segment items reflected in income statement above:
Depreciation and amortisation	1,712	1,573		1,547
Defined benefit scheme charges	108	121		149
Other segment items:
Additions to fixed assets	2,208	2,092		2,431
Investments in joint ventures and associates at end of year	3	4		9
5200 to 5999 Retail Trade [Member] | Current Accounts [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	518	503		572
5200 to 5999 Retail Trade [Member] | Credit and Debit Card [Member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	634	646		637
5200 to 5999 Retail Trade [Member] | Other Fees and Commissions [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	63	52		95
522110 Commercial Banking [Member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Net interest income	2,692	2,921	[1]	3,062	[1]
Other income	875	1,452		2,031
Total income	3,567	4,373		5,093
Operating costs	(1,825)	(2,167)		(2,530)
Trading surplus	1,742	2,206		2,563
Impairment (charge) credit	(313)	(80)		(95)
Profit (loss) before tax	1,429	2,126		2,468
External income	1,655	4,157		3,425
Inter-segment income	1,912	216		1,668
Segment income	3,567	4,373		5,093
Segment external assets	89,895	115,819		177,832
Segment external liabilities	126,313	138,210		224,939
Underlying other income, net of insurance claims	953	1,076		1,137
Fees and commissions payable	(299)	(310)		(287)
Net fee and commission income	654	766		850
Operating lease income	22	36		63
Gains less losses on disposal of financial assets at fair value through other comprehensive income	(5)			5
Other income	204	650		1,112
Segment other income	875	1,452		2,031
Other segment items reflected in income statement above:
Depreciation and amortisation	315	278		322
Defined benefit scheme charges	43	48		52
Other segment items:
Additions to fixed assets	247	208		130
Rental income from investment properties				1
522110 Commercial Banking [Member] | Current Accounts [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	133	139		135
522110 Commercial Banking [Member] | Credit and Debit Card [Member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	327	328		312
522110 Commercial Banking [Member] | Corporate Banking and Treasury Fees
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	166	271		321
522110 Commercial Banking [Member] | Private Banking and Asset Management [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims		2		5
522110 Commercial Banking [Member] | Factoring of receivables [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	103	83		91
522110 Commercial Banking [Member] | Other Fees and Commissions [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	224	253		273
Other Income [Member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Net interest income	775	825	[1]	622	[1]
Other income	1,493	851		792
Total income	2,268	1,676		1,414
Operating costs	(1,393)	(1,899)		(972)
Trading surplus	875	(223)		442
Impairment (charge) credit	(11)	15		33
Profit (loss) before tax	864	(208)		475
External income	1,915	(76)		1,144
Inter-segment income	353	1,752		270
Segment income	2,268	1,676		1,414
Segment external assets	140,952	128,325		140,817
Segment external liabilities	156,210	155,145		141,910
Underlying other income, net of insurance claims	195	220		345
Fees and commissions payable	(157)	(161)		(101)
Net fee and commission income	38	59		244
Gains less losses on disposal of financial assets at fair value through other comprehensive income	201	268		459
Other income	1,254	524		89
Segment other income	1,493	851		792
Other segment items reflected in income statement above:
Depreciation and amortisation	575	498		423
Defined benefit scheme charges	94	231		140
Other segment items:
Additions to fixed assets	1,097	1,078		862
Investments in joint ventures and associates at end of year		1
Other Income [Member] | Current Accounts [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	5	5		5
Other Income [Member] | Private Banking and Asset Management [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	38	92		93
Other Income [Member] | Other Fees and Commissions [member]
SEGMENTAL ANALYSIS (Details) - Schedule of Operating Segments [Line Items]
Underlying other income, net of insurance claims	£ 152	£ 123		£ 247
[1]	Restated, see page F-24.

NET INTEREST INCOME (Details)

NET INTEREST INCOME (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
NET INTEREST INCOME (Details) [Line Items]
Borrowings, interest rate	2.25%	2.74%	2.43%
Interest income on impaired financial assets accrued	£ 196	£ 222	£ 179
Reserve of cash flow hedges [member]
NET INTEREST INCOME (Details) [Line Items]
Interest income	580	691	644
Negative interest rates [member]
NET INTEREST INCOME (Details) [Line Items]
Interest income	26	31	12
Interest expense	119	10	50
Finance Leases [Member]
NET INTEREST INCOME (Details) [Line Items]
Interest income	£ 39	£ 45	£ 49

NET INTEREST INCOME (Details) -

NET INTEREST INCOME (Details) - Schedule of Net Interest Income - The Group [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
NET INTEREST INCOME (Details) - Schedule of Net Interest Income [Line Items]
Total interest and similar income		£ 16,098	£ 16,216	[1]	£ 15,853	[1]
Deposits from banks, excluding liabilities under sale and repurchase agreements		1.39%	1.36%		1.18%
Deposits from banks, excluding liabilities under sale and repurchase agreements		£ (87)	£ (81)		£ (80)
Customer deposits, excluding liabilities under sale and repurchase agreements		0.65%	0.60%		0.56%
Customer deposits, excluding liabilities under sale and repurchase agreements		£ (2,054)	£ (1,997)		£ (1,936)
Debt securities in issue	[2]	0.71%	0.10%		0.18%
Debt securities in issue	[2]	£ (476)	£ (66)		£ (120)
Subordinated liabilities		9.89%	10.18%		10.03%
Subordinated liabilities		£ (921)	£ (1,072)		£ (1,242)
Lease liabilities		2.41%	2.44%		2.38%
Lease liabilities		£ (39)	£ (1)		£ (1)
Liabilities under sale and repurchase agreements		1.08%	0.87%		0.54%
Liabilities under sale and repurchase agreements		£ (301)	£ (245)		£ (110)
Total interest and similar expense	[3]	0.91%	0.78%		0.77%
Total interest and similar expense	[3]	£ (3,878)	£ (3,462)	[1]	£ (3,489)	[1]
Net interest income		£ 12,220	£ 12,754	[1]	£ 12,364	[1]
Interest and similar income [member]
NET INTEREST INCOME (Details) - Schedule of Net Interest Income [Line Items]
Loans and advances to customers		3.21%	3.23%		3.18%
Loans and advances to customers		£ 15,281	£ 15,049		£ 14,554
Loans and advances to banks		0.57%	0.76%		0.41%
Loans and advances to banks		£ 269	£ 462		£ 253
Debt securities held at amortised cost		2.26%	1.61%		1.98%
Debt securities held at amortised cost		£ 118	£ 66		£ 66
Interest receivable on financial assets held at amortised cost		2.97%	2.93%		2.84%
Interest receivable on financial assets held at amortised cost		£ 15,668	£ 15,577		£ 14,873
Financial assets at fair value through other comprehensive income		1.64%	1.98%
Financial assets at fair value through other comprehensive income		£ 430	£ 639
Available-for-sale financial assets					1.96%
Available-for-sale financial assets					£ 980
Total interest and similar income	[4]	2.90%	2.88%		2.77%
Total interest and similar income	[4]	£ 16,098	£ 16,216		£ 15,853
[1]	Restated, see note 1.
[2]	The impact of the Group's hedging arrangements is included on this line; excluding this impact the weighted average effective interest rate in respect of debt securities in issue would be 2.25 per cent (2018: 2.74 per cent; 2017: 2.43 per cent).
[3]	Includes 119 million (2018: 10 million; 2017: 50 million) of interest expense on assets with negative interest rates.
[4]	Includes 26 million (2018: 31 million; 2017: 12 million) of interest income on liabilities with negative interest rates and 39 million (2018: 45 million; 2017: 49 million) in respect of interest income on finance leases.

NET FEE AND COMMISSION INCOME_2

NET FEE AND COMMISSION INCOME (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
NET FEE AND COMMISSION INCOME (Details) [Line Items]
Receivables from contracts with customers	£ 105	£ 98
Transaction price allocated to remaining performance obligations	250	285
Current contract liabilities	54
Revenue from performance obligations satisfied or partially satisfied in previous periods	9
Services provided after balance sheet date
NET FEE AND COMMISSION INCOME (Details) [Line Items]
Receivables from contracts with customers	£ 120	£ 140

NET FEE AND COMMISSION INCOME_3

NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	£ 2,363	£ 2,497	[1]	£ 2,786	[1]
Fee and commission expense	(1,027)	(1,228)	[1]	(1,024)	[1]
Net fee and commission income	1,336	1,269	[1]	1,762	[1]
Current Accounts [member]
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	656	647		712
Credit and Debit Card Fees [member]
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	961	974		949
Commercial banking and treasury fees [member]
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	166	271		321
Private Banking and Asset Management [member]
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	38	94		98
Factoring [member]
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	103	83		91
Other Fees and Commissions [member]
NET FEE AND COMMISSION INCOME (Details) - Schedule of Fee and Commission Income [Line Items]
Fee and commission income	£ 439	£ 428		£ 615
[1]	Restated, see note 1.

NET TRADING INCOME (Details) -

NET TRADING INCOME (Details) - Schedule of Net Trading Income - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
NET TRADING INCOME (Details) - Schedule of Net Trading Income [Line Items]
Foreign exchange translation (losses) gains	£ (203)	£ 132		£ (151)
Gains on foreign exchange trading transactions	336	235		517
Total foreign exchange	133	367		366
Investment property losses	(8)
Securities and other gains (see below)	235	41		407
Net trading income	£ 360	£ 408	[1]	£ 773	[1]
[1]	Restated, see note 1.

NET TRADING INCOME (Details) _2

NET TRADING INCOME (Details) - Schedule of Net Gains (Losses) Held For Trading - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income arising on assets and liabilities mandatorily held at fair value through profit or loss:
Net gains (losses) on financial instruments held for trading	£ 427	£ 127	£ 180
Other financial instruments mandatorily held at fair value through profit or loss:
Debt securities, loans and advances	25	11	132
Equity shares	(3)	86	239
	449	224	551
Net (expense) income arising on assets and liabilities designated at fair value through profit or loss	(214)	(183)	(144)
Securities and other gains	£ 235	£ 41	£ 407

OTHER OPERATING INCOME (Details

OTHER OPERATING INCOME (Details) - Schedule of Other Operating Income - Operating Income (Loss) [Member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
OTHER OPERATING INCOME (Details) - Schedule of Other Operating Income [Line Items]
Operating lease rental income	£ 1,247	£ 1,341	£ 1,344
Rental income from investment properties (note 22)			1
Gains less losses on disposal of financial assets at fair value through other comprehensive income (2017: available-for-sale financial assets) (note 36)	196	268	464
Share of results of joint ventures and associates		5	2
Other income	1,249	929	642
Total other operating income	£ 2,692	£ 2,543	£ 2,453

OPERATING EXPENSES (Details) -

OPERATING EXPENSES (Details) - Schedule of Operating Expenses - Operating Expense [Member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Staff costs:
Salaries	£ 2,370	£ 2,379	£ 2,540
Performance-based compensation	340	485	464
Social security costs	308	330	343
Pensions and other post-retirement benefit schemes (note 29)	518	688	583
Restructuring costs	89	247	22
Other staff costs	360	444	466
	3,985	4,573	4,418
Premises and equipment:
Rent and rates	114	364	364
Repairs and maintenance	182	189	231
Other	150	126	95
	446	679	690
Other expenses:
Communications and data processing	1,022	1,116	880
Advertising and promotion	173	192	207
Professional fees	144	230	312
Other	561	673	701
	1,900	2,211	2,100
Depreciation and amortisation:
Depreciation of property, plant and equipment (note 22)	2,040	1,849	1,939
Amortisation of other intangible assets (note 21)	562	500	353
	2,602	2,349	2,292
Impairment of goodwill			8
Total operating expenses, excluding regulatory provisions	8,933	9,812	9,508
Regulatory provisions
Regulatory provisions	2,190	1,956	2,122
Total operating expenses	11,123	11,768	11,630
Payment Protection Insurance [member]
Regulatory provisions
Regulatory provisions	1,795	1,395	1,300
Other regulatory provisions [member]
Regulatory provisions
Regulatory provisions	£ 395	£ 561	£ 822

OPERATING EXPENSES (Details) _2

OPERATING EXPENSES (Details) - Schedule of Average Number of Persons Employed by the Group	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
OPERATING EXPENSES (Details) - Schedule of Average Number of Persons Employed by the Group [Line Items]
Number of Employees	70,083	71,786	73,438
Country of domicile [member]
OPERATING EXPENSES (Details) - Schedule of Average Number of Persons Employed by the Group [Line Items]
Number of Employees	69,321	71,017	72,644
Foreign countries [member]
OPERATING EXPENSES (Details) - Schedule of Average Number of Persons Employed by the Group [Line Items]
Number of Employees	762	769	794

AUDITORS' REMUNERATION (Details

AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank [Line Items]
Total fees payable to the Bank’s auditors	£ 14.6	£ 15.6	£ 17.1
Audit of the Bank's current year annual report [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank [Line Items]
Audit fees	4.2	3.8	3.5
Audit of the Bank's subsidiaries pursuant to legislation [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank [Line Items]
Audit fees	8.6	10.2	9.9
Other services supplied pursuant to legislation [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank [Line Items]
Audit fees	1.3	1.5	2.3
Taxation compliance services [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank [Line Items]
Taxation compliance services	0.2
Other services [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by the Bank [Line Items]
All other services	£ 0.3	£ 0.1	£ 1.4

AUDITORS' REMUNERATION (Detai_2

AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by Outside Entities - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Audits of group pension schemes [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by Outside Entities [Line Items]
Auditors' Remuneration	£ 0.1	£ 0.1	£ 0.1
Audits of the unconsolidated Open Ended Investment Companies managed by the Group [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by Outside Entities [Line Items]
Auditors' Remuneration		0.1	0.3
Reviews of the financial position of corporate and other borrowers [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by Outside Entities [Line Items]
Auditors' Remuneration		£ 0.4	0.2
Acquisition due diligence and other work performed in respect of potential venture capital investments [member]
AUDITORS' REMUNERATION (Details) - Schedule of Fees Payable to Auditors by Outside Entities [Line Items]
Auditors' Remuneration			£ 0.1

IMPAIRMENT (Details) - Schedule

IMPAIRMENT (Details) - Schedule of Impairment - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017	[1]
IMPAIRMENT (Details) - Schedule of Impairment [Line Items]
Impact of transfers between stages	£ 604	£ 453
Other changes in credit quality	841	577
Additions (repayments)	(95)	(107)
Methodology changes	14	(20)
Other items	(2)	23
Other items impacting the impairment charge	758	473
Total impairment	1,362	926	[1]	£ 687
In respect of:
Financial assets at amortised cost	1,380
Impairment charge on drawn balances	1,380	1,012
Loan commitments and financial guarantees	(17)	(72)
Financial assets at fair value through other comprehensive income	(1)	(14)
Total impairment	1,362	926	[1]	£ 687
Loans and Advances to Banks [member]
In respect of:
Loans and advances		1
Loans and advances to customers [member]
In respect of:
Loans and advances	1,340	1,011
Due from fellow Lloyds Banking Group undertakings [member]
In respect of:
Loans and advances	40
Stage 1 [member]
IMPAIRMENT (Details) - Schedule of Impairment [Line Items]
Impact of transfers between stages	(17)	(10)
Other changes in credit quality	6	(23)
Additions (repayments)	93	19
Methodology changes	33	(71)
Other items	(5)	(13)
Other items impacting the impairment charge	127	(88)
Total impairment	110	(98)
In respect of:
Financial assets at amortised cost	140
Impairment charge on drawn balances	140	(64)
Loan commitments and financial guarantees	(29)	(20)
Financial assets at fair value through other comprehensive income	(1)	(14)
Total impairment	110	(98)
Stage 1 [member] | Loans and Advances to Banks [member]
In respect of:
Loans and advances		1
Stage 1 [member] | Loans and advances to customers [member]
In respect of:
Loans and advances	141	(65)
Stage 1 [member] | Due from fellow Lloyds Banking Group undertakings [member]
In respect of:
Loans and advances	(1)
Stage 2 [member]
IMPAIRMENT (Details) - Schedule of Impairment [Line Items]
Impact of transfers between stages	89	18
Other changes in credit quality	2	(14)
Additions (repayments)	(41)	(84)
Methodology changes	(27)	(21)
Other items impacting the impairment charge	(66)	(119)
Total impairment	23	(101)
In respect of:
Financial assets at amortised cost	10
Impairment charge on drawn balances	10	(53)
Loan commitments and financial guarantees	13	(48)
Total impairment	23	(101)
Stage 2 [member] | Loans and Advances to Banks [member]
In respect of:
Loans and advances
Stage 2 [member] | Loans and advances to customers [member]
In respect of:
Loans and advances	10	(53)
Stage 3 [member]
IMPAIRMENT (Details) - Schedule of Impairment [Line Items]
Impact of transfers between stages	532	445
Other changes in credit quality	939	545
Additions (repayments)	(60)	27
Methodology changes	8	72
Other items	3	36
Other items impacting the impairment charge	890	680
Total impairment	1,422	1,125
In respect of:
Financial assets at amortised cost	1,423
Impairment charge on drawn balances	1,423	1,129
Loan commitments and financial guarantees	(1)	(4)
Total impairment	1,422	1,125
Stage 3 [member] | Loans and Advances to Banks [member]
In respect of:
Loans and advances
Stage 3 [member] | Loans and advances to customers [member]
In respect of:
Loans and advances	1,382	1,129
Stage 3 [member] | Due from fellow Lloyds Banking Group undertakings [member]
In respect of:
Loans and advances	41
Purchased or originated credit-impaired [member]
IMPAIRMENT (Details) - Schedule of Impairment [Line Items]
Other changes in credit quality	(106)	69
Additions (repayments)	(87)	£ (69)
Other items impacting the impairment charge	(193)
Total impairment	(193)
In respect of:
Financial assets at amortised cost	(193)
Impairment charge on drawn balances	(193)
Total impairment	(193)
Purchased or originated credit-impaired [member] | Loans and Advances to Banks [member]
In respect of:
Loans and advances
Purchased or originated credit-impaired [member] | Loans and advances to customers [member]
In respect of:
Loans and advances	£ (193)
[1]	Restated, see note 1.

IMPAIRMENT (Details) - Schedu_2

IMPAIRMENT (Details) - Schedule of Movement in Impairment Charges - Impairment charged to the income statement £ in Millions	12 Months Ended
	Dec. 31, 2017GBP (£)
Impairment losses on loans and receivables:
Total impairment losses on loans and receivables	£ 690
Impairment of available-for-sale financial assets	6
Other credit risk provisions	(9)
Total impairment charged to the income statement	687
Loans and advances to customers [member]
Impairment losses on loans and receivables:
Impairment losses on loans and receivables	696
Debt securities classified as loans and receivables [member]
Impairment losses on loans and receivables:
Impairment losses on loans and receivables	£ (6)

TAX EXPENSE (Details)

TAX EXPENSE (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
UK Corporation Tax [member]
TAX EXPENSE (Details) [Line Items]
Applicable tax rate	19.00%	19.00%	19.25%

TAX EXPENSE (Details) - Schedul

TAX EXPENSE (Details) - Schedule of Tax Charges - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	[1]	Dec. 31, 2017	[1]
TAX EXPENSE (Details) - Schedule of Tax Charges [Line Items]
Current tax expense	£ (1,235)	£ (1,142)		£ (939)
	(52)	(235)		(589)
Tax expense	(1,287)	(1,377)		(1,528)
UK Corporation Tax [member]
TAX EXPENSE (Details) - Schedule of Tax Charges [Line Items]
Current tax on profit for the year	(1,279)	(1,108)		(1,029)
Adjustments in respect of prior years	98	(10)		119
Current tax expense	(1,181)	(1,118)		(910)
Foreign Tax [member]
TAX EXPENSE (Details) - Schedule of Tax Charges [Line Items]
Current tax on profit for the year	(58)	(24)		(40)
Adjustments in respect of prior years	4			11
Current tax expense	(54)	(24)		(29)
DeferredTax [member]
TAX EXPENSE (Details) - Schedule of Tax Charges [Line Items]
Current year	(110)	(234)		(511)
Adjustments in respect of prior years	£ 58	£ (1)		£ (78)
[1]	Restated, see note 1.

TAX EXPENSE (Details) - Sched_2

TAX EXPENSE (Details) - Schedule of Reconciliation of the Charge Resulting from Applying the Standard UK Corporation Tax Rate - The Group [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
TAX EXPENSE (Details) - Schedule of Reconciliation of the Charge Resulting from Applying the Standard UK Corporation Tax Rate [Line Items]
Profit before tax from continuing operations		£ 4,123	£ 4,280	[1]	£ 5,035	[1]
UK corporation tax thereon		(783)	(813)	[1]	(969)	[1]
Impact of surcharge on banking profits		(377)	(388)	[1]	(430)	[1]
Remeasurement of deferred tax due to rate changes		(25)	18	[1]	(21)	[1]
Non-deductible costs: conduct charges		(283)	(189)	[1]	(287)	[1]
Other non-deductible costs		(77)	(74)	[1]	(50)	[1]
Non-taxable income		36	25	[1]	28	[1]
Tax relief on coupons on other equity instruments		53	52	[1]	52	[1]
Tax-exempt gains on disposals		25	11	[1]	109	[1]
Losses not recognised		(7)	(9)	[1]		[1]
Differences in overseas tax rates		(9)	1	[1]	(11)	[1]
Adjustments in respect of prior years		160	(11)	[1]	52	[1]
Tax effect of share of results of joint ventures	[1]				(1)
Tax expense on profit from continuing operations		£ (1,287)	£ (1,377)	[1]	£ (1,528)	[1]
[1]	Restated, see note 1.

DISCONTINUED OPERATIONS (Detail

DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued operations - Discontinued operations [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued operations [Line Items]
Interest and similar income	£ 14	£ 228
Interest and similar expense	(3)	(1,541)
Net interest income	11	(1,313)
Fee and commission income	106	373
Fee and commission expense	(180)	(553)
Net fee and commission income	(74)	(180)
Net trading income	(790)	10,977
Insurance premium income	2,714	7,930
Other operating income	205	102
Other income	2,055	18,829
Total income	2,066	17,516
Insurance claims	(1,363)	(15,578)
Total income, net of insurance claims	703	1,938
Operating expenses	(333)	(995)
Trading surplus	370	943
Profit on disposal of the discontinued operations	1,010
Profit before tax	1,380	943
Taxation	(66)	(147)
Profit after tax from discontinued operations	£ 1,314	£ 796

DISCONTINUED OPERATIONS (Deta_2

DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued net trading income - Discontinued operations [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued net trading income [Line Items]
Foreign exchange translation gains	£ 31	£ 130
Total foreign exchange	31	130
Investment property gains	45	231
Securities and other gains (see below)	(866)	10,616
Net trading income	£ (790)	£ 10,977

DISCONTINUED OPERATIONS (Deta_3

DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued securities and other gains held for trading - Discontinued operations [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Net income arising on assets designated at fair value through profit or loss:
Debt securities, loans and advances	£ (426)	£ 990
Equity shares	(535)	9,556
Total net gains arising on assets designated at fair value through profit or loss	(961)	10,546
Net gains on financial instruments held for trading	95	70
Securities and other gains	£ (866)	£ 10,616

DISCONTINUED OPERATIONS (Deta_4

DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income - Discontinued operations [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income [Line Items]
Net earned premiums	£ 2,714	£ 7,930
6311 Life Insurance [Member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income [Line Items]
Gross premiums	2,564	7,355
Net earned premiums	2,491	7,187
6311 Life Insurance [Member] | Life and pensions [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income [Line Items]
Gross premiums	2,198	6,273
6311 Life Insurance [Member] | Annuities [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income [Line Items]
Gross premiums	366	1,082
6311 Life Insurance [Member] | Ceded reinsurance premiums [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income [Line Items]
Gross premiums	(73)	(168)
Non-life insurance contracts [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance premium income [Line Items]
Net earned premiums	£ 223	£ 743

DISCONTINUED OPERATIONS (Deta_5

DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims - Discontinued operations [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Insurance claims	£ (1,363)	£ (15,578)
Claims and surrenders	(2,788)	(8,898)
Life insurance and participating investment contracts [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Claims and surrenders	(2,788)	(8,898)
Change in insurance and participating investment contracts	1,533	(9,067)
Change in non-participating investment contracts	(73)	2,836
	(1,328)	(15,129)
Reinsurers’ share	86	35
	(1,242)	(15,094)
Change in unallocated surplus	14	(147)
Life insurance and participating investment contracts [member] | Deaths [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Claims and surrenders	(267)	(675)
Life insurance and participating investment contracts [member] | Maturities [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Claims and surrenders	(393)	(1,280)
Life insurance and participating investment contracts [member] | Surrenders [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Claims and surrenders	(1,734)	(5,674)
Life insurance and participating investment contracts [member] | Annuities [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Claims and surrenders	(336)	(985)
Life insurance and participating investment contracts [member] | Other [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Claims and surrenders	(58)	(284)
Insurance Contracts And Participating Investment Contracts [Member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Insurance claims	(1,228)	(15,241)
Non-life insurance contracts [member]
DISCONTINUED OPERATIONS (Details) - Disclosure of discontinued insurance claims [Line Items]
Insurance claims	£ (135)	£ (337)

DISCONTINUED OPERATIONS (Deta_6

DISCONTINUED OPERATIONS (Details) - Impact of discontinued operations on Cash flow statement - The Group [member] - Discontinued operations [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2018	[1]	Dec. 31, 2017
DISCONTINUED OPERATIONS (Details) - Impact of discontinued operations on Cash flow statement [Line Items]
Net cash used in operating activities	£ (1,715)		£ (12,244)
Net cash from investing activities	60		208
Net cash used in financing activities	(682)		(115)
Change in cash and cash equivalents	£ (2,337)		£ (12,151)
[1]	Presentation amended for revised amounts.

FINANCIAL ASSETS AT FAIR VALU_5

FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Later than one year [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
Financial assets at fair value through profit or loss	£ 1,943	£ 4,248
The Bank [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
Financial assets at fair value through profit or loss	£ 665	£ 3,030

FINANCIAL ASSETS AT FAIR VALU_6

FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Financial assets at fair value through profit or loss - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Financial assets at fair value through profit or loss [Line Items]
Trading assets	£ 290	£ 19,462
Other financial assets mandatorily at fair value through profit or loss	1,994	3,794
Total	2,284	23,256
The Bank [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Financial assets at fair value through profit or loss [Line Items]
Trading assets	290	19,420
Other financial assets mandatorily at fair value through profit or loss	413	1,423
Total	£ 703	£ 20,843

FINANCIAL ASSETS AT FAIR VALU_7

FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Assets at Fair Value Through Profit or Loss - Financial assets at fair value through profit or loss, category [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Trading Assets, Excluding Debt and Equity Securities [Member] | The Group [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Assets at Fair Value Through Profit or Loss [Line Items]
Loans and advances to customers		£ 16,891
Loans and advances to banks		236
Debt securities:
Government securities	290	2,293
Asset-backed securities		20
Corporate and other debt securities		22
Debt securities	290	2,335
Total	290	19,462
Trading Assets, Excluding Debt and Equity Securities [Member] | The Bank [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Assets at Fair Value Through Profit or Loss [Line Items]
Loans and advances to customers		16,891
Loans and advances to banks		236
Debt securities:
Government securities	290	2,293
Debt securities	290	2,293
Total	290	19,420
Financial assets at fair value through profit or loss, mandatorily measured at fair value, category [member] | The Group [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Assets at Fair Value Through Profit or Loss [Line Items]
Loans and advances to customers	1,782	3,120
Debt securities:
Corporate and other debt securities	47	518
Debt securities	47	518
Equity shares	165	156
Total	1,994	3,794
Financial assets at fair value through profit or loss, mandatorily measured at fair value, category [member] | The Bank [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Assets at Fair Value Through Profit or Loss [Line Items]
Loans and advances to customers	362	899
Debt securities:
Corporate and other debt securities	47	518
Debt securities	47	518
Equity shares	4	6
Total	£ 413	£ 1,423

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018
The Group [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) [Line Items]
Accumulated fair value hedge adjustment remaining in statement of financial position for hedged item that ceased to be adjusted for hedging gains and losses, assets	£ 315		£ 158
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months	101
Derivative assets	8,494	[1]	11,293	[2]
Derivative financial liabilities	9,831		10,911
The Group [member] | Later than one year [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) [Line Items]
Derivative assets	7,569		9,861
Derivative financial liabilities	9,213		9,665
The Bank [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) [Line Items]
Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months	25
Derivative assets	13,638		15,431
Derivative financial liabilities	14,211		14,546
Hedged Asset, Fair Value Hedge	54		54
The Bank [member] | Later than one year [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) [Line Items]
Derivative assets	4,256		13,936
Derivative financial liabilities	£ 5,101		£ 13,203
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of Derivative Instruments - GBP (£) £ in Millions	Dec. 31, 2019		Dec. 31, 2018
The Group [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	£ 2,623,228		£ 2,920,059
Fair value assets	8,494	[1]	11,293	[2]
Fair value liabilities	9,831		10,911
The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	2,036,941		2,203,629
Fair value assets	7,377		9,810
Fair value liabilities	8,802		9,804
The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	586,287		716,430
Fair value assets	1,117		1,483
Fair value liabilities	1,029		1,107
The Bank [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	2,805,976		3,102,660
Fair value assets	13,638		15,431
Fair value liabilities	14,211		14,546
The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	2,607,531		2,802,388
Fair value assets	13,431		14,999
Fair value liabilities	13,944		13,231
The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	198,445		300,272
Fair value assets	207		432
Fair value liabilities	267		1,315
Exchange Rate Contracts [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	168,652		183,601
Fair value assets	1,465		3,280
Fair value liabilities	2,643		2,175
Exchange Rate Contracts [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	193,603		211,852
Fair value assets	1,564		3,640
Fair value liabilities	2,880		2,838
Interest Rate Contract [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	1,860,405		2,015,135
Fair value assets	5,857		6,439
Fair value liabilities	5,765		7,217
Interest Rate Contract [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	2,408,942		2,582,290
Fair value assets	11,793		11,192
Fair value liabilities	10,867		10,281
Credit Derivatives [member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	7,546		3,330
Fair value assets	39		22
Fair value liabilities	99		31
Equity And Other Contracts [member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	338		1,563
Fair value assets	16		69
Fair value liabilities	295		381
Fair value hedges [member] | The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	160,976		151,461
Fair value assets	704		950
Fair value liabilities	229		216
Fair value hedges [member] | The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	66,867		153,713
Fair value assets	161		388
Fair value liabilities	213		1,285
Cash flow hedges [member] | The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	425,311		564,969
Fair value assets	413		533
Fair value liabilities	800		891
Cash flow hedges [member] | The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	131,578		146,559
Fair value assets	46		44
Fair value liabilities	54		30
Spots, Forwards, and Futures [member] | Exchange Rate Contracts [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	11,066		22,422
Fair value assets	272		797
Fair value liabilities	142		710
Spots, Forwards, and Futures [member] | Exchange Rate Contracts [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	8,564		19,965
Fair value assets	154		573
Fair value liabilities	123		706
Currency swap contract [member] | Exchange Rate Contracts [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	156,224		155,993
Fair value assets	1,184		2,419
Fair value liabilities	2,492		1,401
Currency swap contract [member] | Exchange Rate Contracts [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	183,675		186,701
Fair value assets	1,401		3,003
Fair value liabilities	2,748		2,068
Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	34		490
Fair value assets	8		3
Fair value liabilities			29
Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	34		490
Fair value assets	8		3
Fair value liabilities			29
Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	7,593		8,024
Fair value assets	70		175
Fair value liabilities	64		47
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	1,101		541
Fair value assets	37		15
Fair value liabilities	19		1
Purchased call options [member] | Exchange Rate Contracts [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	681		2,596
Fair value assets	9		64
Purchased call options [member] | Exchange Rate Contracts [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	682		2,596
Fair value assets	9		64
Purchased call options [member] | Interest Rate Contract [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	4,124		7,982
Fair value assets	77		124
Purchased call options [member] | Interest Rate Contract [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	4,176		8,224
Fair value assets	78		125
Written put options [member] | Exchange Rate Contracts [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	681		2,590
Fair value liabilities	9		64
Written put options [member] | Exchange Rate Contracts [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	682		2,590
Fair value liabilities	9		64
Written put options [member] | Interest Rate Contract [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	3,682		6,847
Fair value liabilities	78		141
Written put options [member] | Interest Rate Contract [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	3,697		6,856
Fair value liabilities	89		152
Interest rate swap contract [member] | Interest Rate Contract [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	1,822,407		1,903,166
Fair value assets	5,779		6,311
Fair value liabilities	5,685		7,071
Interest rate swap contract [member] | Interest Rate Contract [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	2,370,877		2,463,556
Fair value assets	11,714		11,062
Fair value liabilities	10,776		10,123
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	160,942		150,971
Fair value assets	696		947
Fair value liabilities	229		187
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	130,477		146,018
Fair value assets	9		29
Fair value liabilities	35		29
Forward Rate Agreements [member] | Interest Rate Contract [Member] | The Group [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	30,192		97,140
Fair value assets	1		4
Fair value liabilities	2		5
Forward Rate Agreements [member] | Interest Rate Contract [Member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	30,192		103,654
Fair value assets	1		5
Fair value liabilities	2		6
Interest Rate Swap [Member] | Fair value hedges [member] | The Bank [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	66,833		153,223
Fair value assets	153		385
Fair value liabilities	213		1,256
Interest Rate Swap [Member] | Cash flow hedges [member] | The Group [member] | Hedging instruments [member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	417,718		556,945
Fair value assets	343		358
Fair value liabilities	736		844
Credit Derivatives [member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	4,618		6,775
Fair value assets	59		99
Fair value liabilities	182		55
Equity And Other Contracts [member] | The Bank [member] | Trading And Other [Member]
Derivatives, Fair Value [Line Items]
Contract/notional amount	368		1,471
Fair value assets	15		68
Fair value liabilities	£ 15		£ 57
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of Amount, timing and uncertainty of future cash flows - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Interest rate swap contract [member] | The Bank [member]
Interest rate
Notional		£ 146,018
Interest rate swap contract [member] | The Bank [member] | Not later than one month [member]
Interest rate
Notional		£ 1,199
Average fixed interest rate		1.33%
Interest rate swap contract [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Notional		£ 4,170
Average fixed interest rate		1.52%
Interest rate swap contract [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Notional		£ 16,653
Average fixed interest rate		1.57%
Interest rate swap contract [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Notional		£ 75,609
Average fixed interest rate		1.69%
Interest rate swap contract [member] | The Bank [member] | Later than five years [member]
Interest rate
Notional		£ 48,387
Average fixed interest rate		2.15%
Currency swap contract [member] | Fair value hedges [member] | The Group [member]
Interest rate
Notional	£ 34	£ 490
Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Not later than one month [member]
Interest rate
Notional
Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one month and not later than three months [member]
Interest rate
Notional		£ 36
Average fixed interest rate		4.82%
Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than three months and not later than one year [member]
Interest rate
Notional
Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Notional		£ 283
Average fixed interest rate		5.88%
Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Notional	£ 34	£ 171
Average fixed interest rate	1.28%	4.44%
Currency swap contract [member] | Fair value hedges [member] | The Bank [member]
Interest rate
Notional	£ 34	£ 490
Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Notional		£ 36
Average fixed interest rate		4.82%
Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Notional		£ 283
Average fixed interest rate		5.88%
Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than five years [member]
Interest rate
Notional	£ 34	£ 171
Average fixed interest rate	1.28%	4.44%
Currency swap contract [member] | Cash flow hedges [member] | The Group [member]
Interest rate
Notional	£ 7,593	£ 8,024
Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Not later than one month [member]
Interest rate
Notional		67
Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one month and not later than three months [member]
Interest rate
Notional	364
Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than three months and not later than one year [member]
Interest rate
Notional	390	642
Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Notional	1,766	1,412
Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Notional	5,073	5,903
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member]
Interest rate
Notional	1,101	541
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Not later than one month [member]
Interest rate
Notional	53
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Notional	210
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Notional	539	280
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Notional	299	261
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member]
Interest rate
Notional	160,942	150,971
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member] | Not later than one month [member]
Interest rate
Notional	£ 331	£ 393
Average fixed interest rate	2.58%	1.38%
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one month and not later than three months [member]
Interest rate
Notional	£ 9,305	£ 417
Average fixed interest rate	1.74%	2.06%
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member] | Later than three months and not later than one year [member]
Interest rate
Notional	£ 37,948	£ 32,876
Average fixed interest rate	1.22%	1.65%
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Notional	£ 91,535	£ 86,451
Average fixed interest rate	1.78%	1.75%
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Notional	£ 21,823	£ 30,834
Average fixed interest rate	2.72%	2.98%
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member]
Interest rate
Notional	£ 66,833	£ 153,223
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member] | Not later than one month [member]
Interest rate
Notional	£ 331	£ 458
Average fixed interest rate	2.58%	1.33%
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Notional	£ 1,445	£ 421
Average fixed interest rate	2.39%	2.09%
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Notional	£ 8,378	£ 33,667
Average fixed interest rate	1.49%	1.72%
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Notional	£ 34,930	£ 87,350
Average fixed interest rate	1.82%	1.78%
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than five years [member]
Interest rate
Notional	£ 21,749	£ 31,327
Average fixed interest rate	2.24%	2.97%
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member]
Interest rate
Notional	£ 417,718	£ 556,945
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member] | Not later than one month [member]
Interest rate
Notional	£ 9,395	£ 4,874
Average fixed interest rate	1.06%	1.47%
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one month and not later than three months [member]
Interest rate
Notional	£ 23,424	£ 11,204
Average fixed interest rate	1.23%	1.03%
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than three months and not later than one year [member]
Interest rate
Notional	£ 57,950	£ 66,312
Average fixed interest rate	1.29%	0.99%
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Notional	£ 205,603	£ 292,712
Average fixed interest rate	1.48%	1.46%
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Notional	£ 121,346	£ 181,843
Average fixed interest rate	2.43%	1.85%
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member]
Interest rate
Notional	£ 130,477	£ 146,018
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member] | Not later than one month [member]
Interest rate
Notional	£ 3,473
Average fixed interest rate	1.10%
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Notional	£ 6,771
Average fixed interest rate	1.58%
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Notional	£ 22,444
Average fixed interest rate	1.57%
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Notional	£ 66,892
Average fixed interest rate	1.41%
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than five years [member]
Interest rate
Notional	£ 30,897
Average fixed interest rate	1.93%
Euro to GBP [member] | Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Average exchange rate	1.38
Euro to GBP [member] | Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than five years [member]
Interest rate
Average exchange rate	1.38
Euro to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Average exchange rate	1.15
Euro to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate	1.11
Euro to USD | Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		1.13
Euro to USD | Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		1.13
Euro to USD | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Not later than one month [member]
Interest rate
Average exchange rate		1.15
Euro to USD | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than three months and not later than one year [member]
Interest rate
Average exchange rate	1.21	1.14
Euro to USD | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate	1.10	1.10
Euro to USD | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Average exchange rate		0
USD to GBP [member] | Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		1.30
USD to GBP [member] | Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		1.30
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one month and not later than three months [member]
Interest rate
Average exchange rate	1.33
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than three months and not later than one year [member]
Interest rate
Average exchange rate	1.36	1.28
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate	1.30	1.21
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Average exchange rate	1.30	1.28
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Not later than one month [member]
Interest rate
Average exchange rate	1.37
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Average exchange rate	1.38
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Average exchange rate	1.36
USD to GBP [member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate	1.36	1.42
NOK to GBP | Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one month and not later than three months [member]
Interest rate
Average exchange rate		9.22
NOK to GBP | Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		9.19
NOK to GBP | Currency swap contract [member] | Fair value hedges [member] | The Group [member] | Later than five years [member]
Interest rate
Average exchange rate		9.03
NOK to GBP | Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one month and not later than three months [member]
Interest rate
Average exchange rate		9.22
NOK to GBP | Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		9.19
NOK to GBP | Currency swap contract [member] | Fair value hedges [member] | The Bank [member] | Later than five years [member]
Interest rate
Average exchange rate		9.03
USD To Euro [Member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than three months and not later than one year [member]
Interest rate
Average exchange rate		1.12
USD To Euro [Member] | Currency swap contract [member] | Cash flow hedges [member] | The Bank [member] | Later than one year and not later than five years [member]
Interest rate
Average exchange rate		1.10

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting on swaps - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Currency swap contract [member] | Fair value hedges [member] | The Group [member]
Interest rate
Contract/notional amount	£ 34	£ 490
Assets	8	3
Liabilities		29
Changes in fair value used for calculating hedge ineffectiveness	2	(10)
Currency swap contract [member] | Fair value hedges [member] | The Bank [member]
Interest rate
Contract/notional amount	34	490
Assets	8	3
Liabilities		29
Changes in fair value used for calculating hedge ineffectiveness	2	(10)
Currency swap contract [member] | Cash flow hedges [member] | The Group [member]
Interest rate
Contract/notional amount	7,593	8,024
Assets	70	175
Liabilities	64	47
Changes in fair value used for calculating hedge ineffectiveness	(141)	104
Currency swap contract [member] | Cash flow hedges [member] | The Bank [member]
Interest rate
Contract/notional amount	1,101	541
Assets	37	15
Liabilities	19	1
Changes in fair value used for calculating hedge ineffectiveness	(31)	41
Interest rate swap contract [member] | Fair value hedges [member] | The Group [member]
Interest rate
Contract/notional amount	160,942	150,971
Assets	696	947
Liabilities	229	187
Changes in fair value used for calculating hedge ineffectiveness	351	135
Interest rate swap contract [member] | Fair value hedges [member] | The Bank [member]
Interest rate
Contract/notional amount	66,833	153,223
Assets	153	385
Liabilities	213	1,256
Changes in fair value used for calculating hedge ineffectiveness	118	272
Interest rate swap contract [member] | Cash flow hedges [member] | The Group [member]
Interest rate
Contract/notional amount	417,718	556,945
Assets	343	358
Liabilities	736	844
Changes in fair value used for calculating hedge ineffectiveness	920	(789)
Interest rate swap contract [member] | Cash flow hedges [member] | The Bank [member]
Interest rate
Contract/notional amount	130,477	146,018
Assets	9	29
Liabilities	35	29
Changes in fair value used for calculating hedge ineffectiveness	£ 777	£ (389)

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting - Hedging instruments [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019		Dec. 31, 2018
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed Rate Mortgages [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[1]	£ 83,818		£ 53,136
Carrying amount of the hedged item, Liabilities	[1]
Accumulated amount of fair value adjustment on the hedged item, Assets	[1]	154		(45)
Accumulated amount of fair value adjustment on the hedged item, Liabilities	[1]
Change in fair value of hedged item for ineffectiveness assessment	[1]	(73)		(173)
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed Rate Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[2]
Carrying amount of the hedged item, Liabilities	[2]	47,689		44,009
Accumulated amount of fair value adjustment on the hedged item, Assets	[2]
Accumulated amount of fair value adjustment on the hedged item, Liabilities	[2]	1,590		1,545
Change in fair value of hedged item for ineffectiveness assessment	[2]	(326)		750
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed rate borrowings [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[3]
Carrying amount of the hedged item, Liabilities	[3]	1,272		6,528
Accumulated amount of fair value adjustment on the hedged item, Assets	[3]
Accumulated amount of fair value adjustment on the hedged item, Liabilities	[3]	136		(103)
Change in fair value of hedged item for ineffectiveness assessment	[3]	(206)		12
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed Rate Bonds [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[4]	21,354	[3]	23,285
Carrying amount of the hedged item, Liabilities	[4]
Accumulated amount of fair value adjustment on the hedged item, Assets	[4]	660	[3]	232
Accumulated amount of fair value adjustment on the hedged item, Liabilities	[4]
Change in fair value of hedged item for ineffectiveness assessment	[4]	405	[3]	(666)
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed Rate Mortgages [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[1]
Carrying amount of the hedged item, Liabilities	[1]
Accumulated amount of fair value adjustment on the hedged item, Assets	[1]
Accumulated amount of fair value adjustment on the hedged item, Liabilities	[1]
Change in fair value of hedged item for ineffectiveness assessment	[1]
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed Rate Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets			[2]		[1]
Carrying amount of the hedged item, Liabilities		40,557	[2]	34,881	[1]
Accumulated amount of fair value adjustment on the hedged item, Assets			[2]		[1]
Accumulated amount of fair value adjustment on the hedged item, Liabilities		565	[2]	791	[1]
Change in fair value of hedged item for ineffectiveness assessment		(357)	[2]	334	[1]
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed rate borrowings [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[2]
Carrying amount of the hedged item, Liabilities		1,272		6,528	[2]
Accumulated amount of fair value adjustment on the hedged item, Assets	[2]
Accumulated amount of fair value adjustment on the hedged item, Liabilities		136		(103)	[2]
Change in fair value of hedged item for ineffectiveness assessment		(206)		12	[2]
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed Rate Bonds [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Carrying amount of the hedged item, Assets	[3]	20,632		23,105
Carrying amount of the hedged item, Liabilities	[3]
Accumulated amount of fair value adjustment on the hedged item, Assets	[3]	655		232
Accumulated amount of fair value adjustment on the hedged item, Liabilities	[3]
Change in fair value of hedged item for ineffectiveness assessment	[3]	400		(666)
Cash flow hedges [member] | The Group [member] | Interest Rate [member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[5]	(1)		(131)
Cash flow hedge/currency translation reserve, Continuing hedges	[5]	(40)		(8)
Cash flow hedge/currency translation reserve, Discontinued hedges	[5]	6		(7)
Cash flow hedges [member] | The Group [member] | Interest Rate [member] | Customer Loans [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[1]	(657)		478
Cash flow hedge/currency translation reserve, Continuing hedges	[1]	1,226		860
Cash flow hedge/currency translation reserve, Discontinued hedges	[1]	531		259
Cash flow hedges [member] | The Group [member] | Interest Rate [member] | Central Bank Balances [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[6]	(220)		(16)
Cash flow hedge/currency translation reserve, Continuing hedges	[6]	85		30
Cash flow hedge/currency translation reserve, Discontinued hedges	[6]	163		20
Cash flow hedges [member] | The Group [member] | Foreign Exchange Contract [Member] | Foreign Currency Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[2]	28		(40)
Cash flow hedge/currency translation reserve, Continuing hedges	[2]	(20)		12
Cash flow hedge/currency translation reserve, Discontinued hedges	[2]	90		266
Cash flow hedges [member] | The Group [member] | Foreign Exchange Contract [Member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[5]	116
Cash flow hedge/currency translation reserve, Continuing hedges	[5]	18
Cash flow hedge/currency translation reserve, Discontinued hedges	[5]	(48)
Cash flow hedges [member] | The Group [member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[5]			(62)
Cash flow hedge/currency translation reserve, Continuing hedges	[5]			70
Cash flow hedge/currency translation reserve, Discontinued hedges	[5]			(78)
Cash flow hedges [member] | The Bank [member] | Interest Rate [member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment		(1)	[4]	(7)	[6]
Cash flow hedge/currency translation reserve, Continuing hedges		(126)	[4]	(14)	[6]
Cash flow hedge/currency translation reserve, Discontinued hedges		(58)	[4]	(9)	[6]
Cash flow hedges [member] | The Bank [member] | Interest Rate [member] | Customer Loans [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment		(344)	[1]	376	[4]
Cash flow hedge/currency translation reserve, Continuing hedges		1,037	[1]	982	[4]
Cash flow hedge/currency translation reserve, Discontinued hedges		881	[1]	620	[4]
Cash flow hedges [member] | The Bank [member] | Interest Rate [member] | Central Bank Balances [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment	[5]	(388)		(107)
Cash flow hedge/currency translation reserve, Continuing hedges	[5]			83
Cash flow hedge/currency translation reserve, Discontinued hedges	[5]	441
Cash flow hedges [member] | The Bank [member] | Foreign Exchange Contract [Member] | Foreign Currency Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Change in fair value of hedged item for ineffectiveness assessment		31	[2]	(41)	[1]
Cash flow hedge/currency translation reserve, Continuing hedges		(38)	[2]	11	[1]
Cash flow hedge/currency translation reserve, Discontinued hedges		7	[2]	£ 26	[1]
Cash flow hedges [member] | The Bank [member] | Foreign Exchange Contract [Member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of the effects of hedge accounting [Line Items]
Cash flow hedge/currency translation reserve, Continuing hedges	[4]
Cash flow hedge/currency translation reserve, Discontinued hedges	[4]
[1]	Included within loans and advances to customers.
[2]	Included within debt securities in issue.
[3]	Included within amounts due to fellow Lloyds Banking Group undertakings.
[4]	Included within financial assets at fair value through other comprehensive income.
[5]	Included within customer deposits.
[6]	Included within cash and balances at central banks.

DERIVATIVE FINANCIAL INSTRUME_8

DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed Rate Mortgages [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	£ 186	£ 106
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed Rate Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	(28)	(33)
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed rate borrowings [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	6	2
Fair value hedges [member] | The Group [member] | Interest Rate [member] | Fixed Rate Bonds [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	(11)	(27)
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed Rate Mortgages [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	(15)
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed Rate Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	(38)	(33)
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed rate borrowings [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	6	2
Fair value hedges [member] | The Bank [member] | Interest Rate [member] | Fixed Rate Bonds [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]	4	(27)
Cash flow hedges [member] | The Group [member] | Interest Rate [member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income			(49)
Hedge ineffectiveness recognised in the income statement	[1]		(1)
Hedged item affected income statement		7	(69)
Cash flow hedges [member] | The Group [member] | Interest Rate [member] | Customer Loans [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		616	(435)
Hedge ineffectiveness recognised in the income statement	[1]	99	(17)
Hedged item affected income statement		(367)	(467)
Cash flow hedges [member] | The Group [member] | Interest Rate [member] | Central Bank Balances [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		194	(63)
Hedge ineffectiveness recognised in the income statement	[1]	32	(5)
Hedged item affected income statement		(52)	(52)
Cash flow hedges [member] | The Group [member] | Foreign Exchange Contract [Member] | Foreign Currency Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		(202)	(31)
Hedge ineffectiveness recognised in the income statement	[1]
Hedged cashflows will no longer occur		(101)
Hedged item affected income statement		(73)	(71)
Cash flow hedges [member] | The Group [member] | Foreign Exchange Contract [Member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		(22)	(22)
Hedge ineffectiveness recognised in the income statement	[1]		(2)
Hedged item affected income statement		6	(32)
Cash flow hedges [member] | The Bank [member] | Interest Rate [member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		25	8
Hedge ineffectiveness recognised in the income statement	[1]		1
Hedged item affected income statement		35	7
Cash flow hedges [member] | The Bank [member] | Interest Rate [member] | Customer Loans [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		125	(504)
Hedge ineffectiveness recognised in the income statement	[1]	27	(37)
Hedged item affected income statement		(363)	(567)
Cash flow hedges [member] | The Bank [member] | Interest Rate [member] | Central Bank Balances [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		361	83
Hedge ineffectiveness recognised in the income statement	[1]	35	15
Hedged item affected income statement		(84)	(67)
Cash flow hedges [member] | The Bank [member] | Foreign Exchange Contract [Member] | Foreign Currency Issuance [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Gain (loss) recognised in other comprehensive income		(67)	40
Hedge ineffectiveness recognised in the income statement	[1]
Hedged cashflows will no longer occur		(25)
Hedged item affected income statement		(11)	£ (1)
Cash flow hedges [member] | The Bank [member] | Foreign Exchange Contract [Member] | Deposits from Customers [member]
DERIVATIVE FINANCIAL INSTRUMENTS (Details) - Schedule of amounts reclassified from reserves to income statement [Line Items]
Hedge ineffectiveness recognised in the income statement	[1]
[1]	Hedge ineffectiveness is included in the income statement within net trading income.

FINANCIAL ASSETS AT AMORTISED_3

FINANCIAL ASSETS AT AMORTISED COST (Details) - Later than one year [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) [Line Items]
Loans and advances to customers	£ 378,457	£ 377,152
Loans and advances to banks	1,498	860
Debt Securities	5,314	4,567
The Bank [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) [Line Items]
Loans and advances to customers	103,042	109,015
Loans and advances to banks	1,231	547
Debt Securities	£ 5,241	£ 4,439

FINANCIAL ASSETS AT AMORTISED_4

FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
The Group [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		£ 486,501		£ 474,709
Exchange and other adjustments		(2)		93	[1]	£ (27)	[1]
		604		453
Allowance for impairment losses		3,380		3,213
Total debt securities		5,325		5,095
Due from fellow Lloyds Banking Group undertakings		1,854		1,878
Total loans and advances to customers		474,470		464,044
Total loans and advances to banks		4,852		3,692
The Group [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to banks		3,693				4,184
Exchange and other adjustments		(125)	[2]	58
Additions (repayments)		1,284		1,503
Disposal of businesses				(2,052)
Ending Balance, Loans and advances to banks		4,852		3,693
Allowance for impairment losses				(1)
Total loans and advances to banks		4,852		3,692
The Group [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		467,064				464,172
Exchange and other adjustments		(47)	[2]	840
Additions (repayments)		8,379		21,673
Recoveries		424		579
Acquisition of portfolios	[3]	3,694
Financial assets that have been written off during the year		(1,881)		(1,578)
Ending Balance, Loans and advances to customers		477,633		467,064
Disposal of businesses				(18,622)
Allowance for impairment losses		(3,163)		(3,020)
Total loans and advances to customers		474,470		464,044
The Group [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Debt securities		5,097				3,308
Exchange and other adjustments		(91)	[2]	(103)
Additions (repayments)		320		1,897
Ending Balance, Debt securities		5,326		5,097
Financial assets that have been written off during the year				(1)
Disposal of businesses				(4)
Allowance for impairment losses		(1)		(2)
Total debt securities		5,325		5,095
The Group [member] | Due from fellow Lloyds Banking Group undertakings [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Allowance for impairment losses		(43)
Due from fellow Lloyds Banking Group undertakings, net of impairment allowances		1,854
Due from fellow Lloyds Banking Group undertakings		1,897		1,878
The Bank [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		389,540		334,013
Exchange and other adjustments		6		(82)	[1]	(5)	[1]
Allowance for impairment losses		1,336		1,656
Total debt securities		5,241		4,960
Due from fellow Lloyds Banking Group undertakings		202,277		153,585
Total loans and advances to customers		177,569		172,315
Total loans and advances to banks		4,453		3,153
The Bank [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to banks		3,154		3,154		3,526
Exchange and other adjustments		(105)		48
Additions (repayments)		1,404		1,569
Disposal of businesses				(1,989)
Ending Balance, Loans and advances to banks		4,453		3,154		3,154
Allowance for impairment losses				(1)
Total loans and advances to banks		4,453		3,153
The Bank [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		173,849		173,849		171,689
Exchange and other adjustments		(339)		679
Additions (repayments)		5,991		13,617
Transfers to Stage 1	[2]
Recoveries		152		197
Financial assets that have been written off during the year		(911)		(805)
Ending Balance, Loans and advances to customers		178,742		173,849		173,849
Disposal of businesses				(11,528)
Allowance for impairment losses		(1,173)		(1,534)
Total loans and advances to customers		177,569		172,315
The Bank [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Debt securities		4,960		4,960		3,182
Exchange and other adjustments		(91)		(251)
Additions (repayments)		372		2,029
Ending Balance, Debt securities		5,241		4,960		4,960
Total debt securities		5,241		4,960
The Bank [member] | Due from fellow Lloyds Banking Group undertakings [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Allowance for impairment losses		(73)
Due from fellow Lloyds Banking Group undertakings, net of impairment allowances		202,277
Due from fellow Lloyds Banking Group undertakings		202,350		153,585
Stage 1 [member] | The Group [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		441,129		431,113
Allowance for impairment losses		760		640
Stage 1 [member] | The Group [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to banks		3,691				4,182
Exchange and other adjustments		(125)	[2]	58
Additions (repayments)		1,286		1,503
Disposal of businesses				(2,052)
Ending Balance, Loans and advances to banks		4,852		3,691
Allowance for impairment losses				(1)
Total loans and advances to banks		4,852		3,690
Stage 1 [member] | The Group [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		420,968				403,881
Exchange and other adjustments		(312)	[2]	787
Additions (repayments)		13,690		28,156
Transfers to Stage 1		6,318		19,521
Transfers to Stage 2		(13,052)		(15,736)
Transfers to Stage 3		(1,539)		(1,971)
		(8,273)		1,814
Acquisition of portfolios	[3]	3,694
Ending Balance, Loans and advances to customers		429,767		420,968
Disposal of businesses				(13,670)
Allowance for impairment losses		(669)		(518)
Total loans and advances to customers		429,098		420,450
Stage 1 [member] | The Group [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Debt securities		5,095				3,305
Exchange and other adjustments		(90)	[2]	(103)
Additions (repayments)		320		1,897
Ending Balance, Debt securities		5,325		5,095
Disposal of businesses				(4)
Total debt securities		5,325		5,095
Stage 1 [member] | The Group [member] | Due from fellow Lloyds Banking Group undertakings [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Due from fellow Lloyds Banking Group undertakings, net of impairment allowances		1,854
Due from fellow Lloyds Banking Group undertakings		1,854		1,878
Stage 1 [member] | The Bank [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		377,409		321,868
Allowance for impairment losses		300		296
Stage 1 [member] | The Bank [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to banks		3,154		3,154		3,526
Exchange and other adjustments		(105)		48
Additions (repayments)		1,404		1,569
Disposal of businesses				(1,989)
Ending Balance, Loans and advances to banks		4,453		3,154		3,154
Allowance for impairment losses				(1)
Total loans and advances to banks		4,453		3,153
Stage 1 [member] | The Bank [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		160,379		160,379		156,827
Exchange and other adjustments		(325)		679
Additions (repayments)		7,702		15,676
Transfers to Stage 1	[2]	2,805		7,763
Transfers to Stage 2		(4,236)		(8,239)
Transfers to Stage 3		(649)		(1,103)
		(2,080)		(1,579)
Ending Balance, Loans and advances to customers		165,676		160,379		160,379
Disposal of businesses				(11,224)
Allowance for impairment losses		(238)		(209)
Total loans and advances to customers		165,438		160,170
Stage 1 [member] | The Bank [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Debt securities		4,960		4,960		3,182
Exchange and other adjustments		(91)		(251)
Additions (repayments)		372		2,029
Ending Balance, Debt securities		5,241		4,960		4,960
Total debt securities		5,241		4,960
Stage 1 [member] | The Bank [member] | Due from fellow Lloyds Banking Group undertakings [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Allowance for impairment losses		(18)
Due from fellow Lloyds Banking Group undertakings, net of impairment allowances		202,277
Due from fellow Lloyds Banking Group undertakings		202,295		153,585
Stage 2 [member] | The Group [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		27,512		24,318
Allowance for impairment losses		1,070		1,055
Stage 2 [member] | The Group [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to banks		2				2
Exchange and other adjustments	[2]
Additions (repayments)		(2)
Ending Balance, Loans and advances to banks				2
Total loans and advances to banks				2
Stage 2 [member] | The Group [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		25,308				37,245
Exchange and other adjustments		(44)	[2]	(12)
Additions (repayments)		(2,520)		(2,128)
Transfers to Stage 1		(6,286)		(19,498)
Transfers to Stage 2		13,484		15,989
Transfers to Stage 3		(1,437)		(2,220)
		5,761		(5,729)
Acquisition of portfolios	[3]
Ending Balance, Loans and advances to customers		28,505		25,308
Disposal of businesses				(4,068)
Allowance for impairment losses		(993)		(992)
Total loans and advances to customers		27,512		24,316
Stage 2 [member] | The Group [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Exchange and other adjustments	[2]
Stage 2 [member] | The Bank [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		10,246		10,504
Allowance for impairment losses		477		534
Stage 2 [member] | The Bank [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		11,006		11,006		12,150
Exchange and other adjustments		(14)
Additions (repayments)		(1,424)		(1,159)
Transfers to Stage 1	[2]	(2,782)		(7,751)
Transfers to Stage 2		4,455		8,458
Transfers to Stage 3		(560)		(678)
		1,113		29
Ending Balance, Loans and advances to customers		10,681		11,006		11,006
Disposal of businesses				(14)
Allowance for impairment losses		(435)		(502)
Total loans and advances to customers		10,246		10,504
Stage 3 [member] | The Group [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		4,288		3,965
Allowance for impairment losses		1,408		1,440
Stage 3 [member] | The Group [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Exchange and other adjustments	[2]
Stage 3 [member] | The Group [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		5,397				5,073
Exchange and other adjustments		26	[2]	65
Additions (repayments)		(857)		(1,746)
Transfers to Stage 1		(32)		(23)
Transfers to Stage 2		(432)		(253)
Transfers to Stage 3		2,976		4,191
		2,512		3,915
Recoveries		396		552
Acquisition of portfolios	[3]
Financial assets that have been written off during the year		(1,827)		(1,578)
Ending Balance, Loans and advances to customers		5,647		5,397
Disposal of businesses				(884)
Allowance for impairment losses		(1,359)		(1,432)
Total loans and advances to customers		4,288		3,965
Stage 3 [member] | The Group [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Debt securities		2				3
Exchange and other adjustments	[2]	(1)
Ending Balance, Debt securities		1		2
Financial assets that have been written off during the year				(1)
Allowance for impairment losses		(1)		(2)
Stage 3 [member] | The Group [member] | Due from fellow Lloyds Banking Group undertakings [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Allowance for impairment losses		(43)
Due from fellow Lloyds Banking Group undertakings		43
Stage 3 [member] | The Bank [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		1,885		1,641
Allowance for impairment losses		559		826
Stage 3 [member] | The Bank [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		2,464		2,464		2,712
Additions (repayments)		(287)		(900)
Transfers to Stage 1	[2]	(23)		(12)
Transfers to Stage 2		(219)		(219)
Transfers to Stage 3		1,209		1,781
		967		1,550
Recoveries		152		197
Financial assets that have been written off during the year		(911)		(805)
Ending Balance, Loans and advances to customers		2,385		2,464		2,464
Disposal of businesses				(290)
Allowance for impairment losses		(500)		(823)
Total loans and advances to customers		1,885		1,641
Stage 3 [member] | The Bank [member] | Due from fellow Lloyds Banking Group undertakings [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Allowance for impairment losses		(55)
Due from fellow Lloyds Banking Group undertakings		55
Purchased or originated credit-impaired [member] | The Group [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Total financial assets at amortised cost		13,572		15,313
Allowance for impairment losses		142		78
Purchased or originated credit-impaired [member] | The Group [member] | Loans and Advances to Banks [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Exchange and other adjustments	[2]
Purchased or originated credit-impaired [member] | The Group [member] | Loans and advances to customers [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Beginning Balance, Loans and advances to customers		15,391				£ 17,973
Exchange and other adjustments	[2]	283
Additions (repayments)		(1,934)		(2,609)
Recoveries		28		27
Acquisition of portfolios	[3]
Financial assets that have been written off during the year		(54)
Ending Balance, Loans and advances to customers		13,714		15,391
Allowance for impairment losses		(142)		(78)
Total loans and advances to customers		13,572		£ 15,313
Purchased or originated credit-impaired [member] | The Group [member] | Debt securities [member]
FINANCIAL ASSETS AT AMORTISED COST (Details) - Disclosure of Debt Securities and Loans and Advances to Banks and Customers [Line Items]
Exchange and other adjustments	[2]
[1]	Restated, see note 1.
[2]	Exchange and other adjustments includes certain adjustments, prescribed by IFRS 9, in respect of purchased or originated credit-impaired financial assets.
[3]	Acquisition of portfolios in 2019 relates to the purchase, completed in September 2019, of Tesco Bank's UK residential mortgage portfolio.

FINANCE LEASE RECEIVABLES (Deta

FINANCE LEASE RECEIVABLES (Details) - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCE LEASE RECEIVABLES (Details) [Line Items]
Capital Leases, Net Investment in Direct Financing Leases, Allowance for Uncollectible Minimum Lease Payments	£ 12	£ 1

FINANCE LEASE RECEIVABLES (Det

FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Balances - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	£ 2,032	£ 2,684
Unearned future finance income on finance leases	(478)	(976)
Rentals received in advance	(18)	(22)
Net investment in finance leases	1,536	1,686
The Group [member] | Not later than one year [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	484	460
Net investment in finance leases	404	306
The Group [member] | Later than one year and not later than two years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	340	516
Net investment in finance leases	322	408
The Group [member] | Later than two years and not later than three years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	174	455
Net investment in finance leases	126	353
The Group [member] | Later than three years and not later than four years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	138	199
Net investment in finance leases	98	152
The Group [member] | Later than four years and not later than five years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	201	177
Net investment in finance leases	166	129
The Group [member] | Later than five years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	695	877
Net investment in finance leases	420	338
The Bank [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	93	249
Unearned future finance income on finance leases		(6)
Rentals received in advance		(49)
Net investment in finance leases	93	194
The Bank [member] | Not later than one year [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	70	121
Net investment in finance leases	70	93
The Bank [member] | Later than one year and not later than two years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	6	52
Net investment in finance leases	6	41
The Bank [member] | Later than two years and not later than three years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	6	39
Net investment in finance leases	6	30
The Bank [member] | Later than three years and not later than four years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	6	20
Net investment in finance leases	6	14
The Bank [member] | Later than four years and not later than five years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable	5	17
Net investment in finance leases	5	£ 16
The Bank [member] | Later than five years [member]
Gross investment in finance leases, receivable:
Gross investment in finance leases, receivable

FINANCE LEASE RECEIVABLES (D_2

FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	£ 1,536	£ 1,686
The Group [member] | Not later than one year [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	404	306
The Group [member] | Later than one year and not later than two years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	322	408
The Group [member] | Later than two years and not later than three years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	126	353
The Group [member] | Later than three years and not later than four years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	98	152
The Group [member] | Later than four years and not later than five years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	166	129
The Group [member] | Later than five years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	420	338
The Bank [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	93	194
The Bank [member] | Not later than one year [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	70	93
The Bank [member] | Later than one year and not later than two years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	6	41
The Bank [member] | Later than two years and not later than three years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	6	30
The Bank [member] | Later than three years and not later than four years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	6	14
The Bank [member] | Later than four years and not later than five years [member]
FINANCE LEASE RECEIVABLES (Details) - Schedule of Lease Receivable Net Investment [Line Items]
Net investment in finance leases	£ 5	£ 16

ALLOWANCE FOR IMPAIRMENT LOSS_3

ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member] | Drawn balance [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) [Line Items]
Change in expected credit loss	£ 598	£ 461
The Group [member] | Undrawn balances [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) [Line Items]
Change in expected credit loss	6	(8)
The Bank [member] | Drawn balance [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) [Line Items]
Change in expected credit loss	258	212
The Bank [member] | Undrawn balances [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) [Line Items]
Change in expected credit loss	£ 7	£ (4)

ALLOWANCE FOR IMPAIRMENT LOSS_4

ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		£ 3,213
Impact of transfers between stages		604	£ 453
Other items charged to the income statement		(2)	23
Ending Balance		3,380	3,213
Total		3,213	3,213
Impairment loss recognized		3,380	3,213
Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item)			1
The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		1,656
Ending Balance		1,336	1,656
Total		1,656	1,656
Impairment loss recognized		1,336
Loans and advances to customers [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		3,163	3,020
Loans and advances to customers [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		1,173	1,534
Debt securities [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		1	2
Due from fellow Lloyds Banking Group undertakings [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		43
Due from fellow Lloyds Banking Group undertakings [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		73	45
Financial assets at amortised cost, class [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		3,207	3,023
Financial assets at amortised cost, class [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		1,246	1,580
Loan commitments and financial guarantees [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		173	190
Loan commitments and financial guarantees [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		90	76
Loans and Advances to Banks [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			1
Loans and Advances to Banks [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			1
The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			1,656
Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item)			1
Drawn balance [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		3,023	3,224
Exchange and other adjustments		313	119
Impact of transfers between stages		598	461
		598	461
Other items charged to the income statement		782	551
Charge to the income statement		1,380	1,012
Advances written off		(1,881)	(1,579)
Disposal of businesses	[1]		(293)
Recoveries of advances written off in previous years		424	579
Discount unwind		(52)	(39)
Ending Balance		3,207	3,023
Total		3,207	3,224
Drawn balance [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		1,580	1,628
Exchange and other adjustments		(33)	50
Impact of transfers between stages		258	212
		258	212
Other items charged to the income statement		232	341
Charge to the income statement		490	553
Advances written off		(911)	(805)
Disposal of businesses	[1]		(10)
Recoveries of advances written off in previous years		152	197
Discount unwind		(32)	(33)
Ending Balance		1,246	1,580
Total		1,246	1,628
Undrawn balances [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		190	273
Exchange and other adjustments			(11)
Impact of transfers between stages		6	(8)
		6	(8)
Other items charged to the income statement		(23)	(64)
Charge to the income statement		(17)	(72)
Ending Balance		173	190
Total		173	273
Undrawn balances [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		76	124
Exchange and other adjustments			(2)
Impact of transfers between stages		7	(4)
		7	(4)
Other items charged to the income statement		7	(42)
Charge to the income statement		14	(46)
Ending Balance		90	76
Total		90	124
Stage 1 [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		640
Ending Balance		760	640
Total		640	640
Impairment loss recognized		760	640
Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item)			1
Stage 1 [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		296
Ending Balance		300	296
Total		296	296
Impairment loss recognized		300
Stage 1 [member] | Loans and advances to customers [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		669	518
Stage 1 [member] | Loans and advances to customers [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		238	209
Stage 1 [member] | Due from fellow Lloyds Banking Group undertakings [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		18	45
Stage 1 [member] | Financial assets at amortised cost, class [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		669	519
Stage 1 [member] | Financial assets at amortised cost, class [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		256	255
Stage 1 [member] | Loan commitments and financial guarantees [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		91	121
Stage 1 [member] | Loan commitments and financial guarantees [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		44	41
Stage 1 [member] | Loans and Advances to Banks [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			1
Stage 1 [member] | Loans and Advances to Banks [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			1
Stage 1 [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			296
Expected credit loss in respect of financial assets at fair value through other comprehensive income (memorandum item)			1
Stage 1 [member] | Drawn balance [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		519	590
Exchange and other adjustments		10	1
Transfers to Stage 1		229	304
Transfers to Stage 2		(53)	(46)
Transfers to Stage 3		(15)	(32)
Impact of transfers between stages		(175)	(231)
		(14)	(5)
Other items charged to the income statement		154	(59)
Charge to the income statement		140	(64)
Disposal of businesses	[1]		(8)
Ending Balance		669	519
Total		669	590
Stage 1 [member] | Drawn balance [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		255	326
Exchange and other adjustments			8
Transfers to Stage 1		113	138
Transfers to Stage 2		(17)	(22)
Transfers to Stage 3		(7)	(19)
Impact of transfers between stages		(96)	(116)
		(7)	(19)
Other items charged to the income statement		8	(54)
Charge to the income statement		1	(73)
Disposal of businesses	[1]		(6)
Ending Balance		256	255
Total		256	326
Stage 1 [member] | Undrawn balances [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		121	147
Exchange and other adjustments		(1)	(6)
Transfers to Stage 1		19	28
Transfers to Stage 2		(4)	(6)
Transfers to Stage 3		(1)	(2)
Impact of transfers between stages		(17)	(25)
		(3)	(5)
Other items charged to the income statement		(26)	(15)
Charge to the income statement		(29)	(20)
Ending Balance		91	121
Total		91	147
Stage 1 [member] | Undrawn balances [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		41	70
Exchange and other adjustments			1
Transfers to Stage 1		8	12
Transfers to Stage 2		(2)	(3)
Transfers to Stage 3			(1)
Impact of transfers between stages		(7)	(11)
		(1)	(3)
Other items charged to the income statement		4	(27)
Charge to the income statement		3	(30)
Ending Balance		44	41
Total		44	70
Stage 2 [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		1,055
Ending Balance		1,070	1,055
Total		1,055	1,055
Impairment loss recognized		1,070	1,055
Stage 2 [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		534
Ending Balance		477	534
Total		534	534
Impairment loss recognized		477
Stage 2 [member] | Loans and advances to customers [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		993	992
Stage 2 [member] | Loans and advances to customers [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		435	502
Stage 2 [member] | Financial assets at amortised cost, class [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		993	992
Stage 2 [member] | Financial assets at amortised cost, class [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		435	502
Stage 2 [member] | Loan commitments and financial guarantees [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		77	63
Stage 2 [member] | Loan commitments and financial guarantees [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		42	32
Stage 2 [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			534
Stage 2 [member] | Drawn balance [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		992	1,147
Exchange and other adjustments		(9)
Transfers to Stage 1		(222)	(299)
Transfers to Stage 2		92	85
Transfers to Stage 3		(140)	(131)
Impact of transfers between stages		353	368
		83	23
Other items charged to the income statement		(73)	(76)
Charge to the income statement		10	(53)
Disposal of businesses	[1]		(102)
Ending Balance		993	992
Total		993	1,147
Stage 2 [member] | Drawn balance [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		502	541
Transfers to Stage 1		(109)	(136)
Transfers to Stage 2		33	43
Transfers to Stage 3		(68)	(74)
Impact of transfers between stages		127	172
		(17)	5
Other items charged to the income statement		(50)	(44)
Charge to the income statement		(67)	(39)
Disposal of businesses	[1]
Ending Balance		435	502
Total		435	541
Stage 2 [member] | Undrawn balances [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		63	126
Exchange and other adjustments		1	(15)
Transfers to Stage 1		(19)	(28)
Transfers to Stage 2		4	6
Transfers to Stage 3		(3)	(5)
Impact of transfers between stages		24	22
		6	(5)
Other items charged to the income statement		7	(43)
Charge to the income statement		13	(48)
Ending Balance		77	63
Total		77	126
Stage 2 [member] | Undrawn balances [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		32	54
Exchange and other adjustments			(9)
Transfers to Stage 1		(8)	(12)
Transfers to Stage 2		2	3
Transfers to Stage 3		(2)	(2)
Impact of transfers between stages		15	10
		7	(1)
Other items charged to the income statement		3	(12)
Charge to the income statement		10	(13)
Ending Balance		42	32
Total		42	54
Stage 3 [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		1,440
Ending Balance		1,408	1,440
Total		1,440	1,440
Impairment loss recognized		1,408	1,440
Stage 3 [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		826
Ending Balance		559	826
Total		826	826
Impairment loss recognized		559
Stage 3 [member] | Loans and advances to customers [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		1,359	1,432
Stage 3 [member] | Loans and advances to customers [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		500	823
Stage 3 [member] | Debt securities [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		1	2
Stage 3 [member] | Due from fellow Lloyds Banking Group undertakings [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		43
Stage 3 [member] | Due from fellow Lloyds Banking Group undertakings [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		55
Stage 3 [member] | Financial assets at amortised cost, class [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		1,403	1,434
Stage 3 [member] | Financial assets at amortised cost, class [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		555	823
Stage 3 [member] | Loan commitments and financial guarantees [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		5	6
Stage 3 [member] | Loan commitments and financial guarantees [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		4	3
Stage 3 [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized			826
Stage 3 [member] | Drawn balance [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		1,434	1,455
Exchange and other adjustments		29	118
Transfers to Stage 1		(7)	(5)
Transfers to Stage 2		(39)	(39)
Transfers to Stage 3		155	163
Impact of transfers between stages		420	324
		529	443
Other items charged to the income statement		894	686
Charge to the income statement		1,423	1,129
Advances written off		(1,827)	(1,579)
Disposal of businesses	[1]		(183)
Recoveries of advances written off in previous years		396	552
Discount unwind		(52)	(58)
Ending Balance		1,403	1,434
Total		1,403	1,455
Stage 3 [member] | Drawn balance [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		823	761
Exchange and other adjustments		(33)	42
Transfers to Stage 1		(4)	(2)
Transfers to Stage 2		(16)	(21)
Transfers to Stage 3		75	93
Impact of transfers between stages		227	156
		282	226
Other items charged to the income statement		274	439
Charge to the income statement		556	665
Advances written off		(911)	(805)
Disposal of businesses	[1]		(4)
Recoveries of advances written off in previous years		152	197
Discount unwind		(32)	(33)
Ending Balance		555	823
Total		555	761
Stage 3 [member] | Undrawn balances [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		6
Exchange and other adjustments			10
Transfers to Stage 3		4	7
Impact of transfers between stages		(1)	(5)
		3	2
Other items charged to the income statement		(4)	(6)
Charge to the income statement		(1)	(4)
Ending Balance		5	6
Total		5	6
Stage 3 [member] | Undrawn balances [member] | The Bank [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		3
Exchange and other adjustments			6
Transfers to Stage 3		2	3
Impact of transfers between stages		(1)	(3)
		1
Other items charged to the income statement			(3)
Charge to the income statement		1	(3)
Ending Balance		4	3
Total		4	3
Purchased or originated credit-impaired [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		78
Ending Balance		142	78
Total		78	78
Impairment loss recognized		142	78
Purchased or originated credit-impaired [member] | Loans and advances to customers [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		142	78
Purchased or originated credit-impaired [member] | Financial assets at amortised cost, class [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Impairment loss recognized		142	78
Purchased or originated credit-impaired [member] | Drawn balance [member] | The Group [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Movement in the Allowance for Impairment Losses [Line Items]
Beginning Balance		78	32
Exchange and other adjustments		283
Other items charged to the income statement		(193)
Charge to the income statement		(193)
Advances written off		(54)
Disposal of businesses	[1]
Recoveries of advances written off in previous years		28	27
Discount unwind			19
Ending Balance		142	78
Total		£ 142	£ 32
[1]	Reflects the transfer of assets to Lloyds Bank Corporate Markets plc.

ALLOWANCE FOR IMPAIRMENT LOSS_5

ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Asset Impairment Charges - Accumulated impairment [member] - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Asset Impairment Charges [Line Items]
Balances	£ 1,362	£ 926
Financial assets at fair value through other comprehensive income	(1)	(14)
Drawn balance [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Asset Impairment Charges [Line Items]
Balances	1,380	1,012
Undrawn balances [member]
ALLOWANCE FOR IMPAIRMENT LOSSES (Details) - Disclosure of Asset Impairment Charges [Line Items]
Balances	£ (17)	£ (72)

FINANCIAL ASSETS AT FAIR VALU_8

FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Details) - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Details) [Line Items]
Financial assets at fair value through other comprehensive income with maturities greater than one year	£ 23,385	£ 21,247
The Bank [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Details) [Line Items]
Financial assets at fair value through other comprehensive income with maturities greater than one year	£ 21,052	£ 20,196

FINANCIAL ASSETS AT FAIR VALU_9

FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Details) - Schedule of Financial Assets At Fair Value Through Other Comprehensive Income - Financial assets at fair value through other comprehensive income, category [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Details) - Schedule of Financial Assets At Fair Value Through Other Comprehensive Income [Line Items]
Government securities	£ 13,082	£ 18,971
Asset-backed securities	60	57
Corporate and other debt securities	11,036	5,119
	24,178	24,147
Treasury and other bills	439	221
Total financial assets at fair value through other comprehensive income	24,617	24,368
The Bank [member]
FINANCIAL ASSETS AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (Details) - Schedule of Financial Assets At Fair Value Through Other Comprehensive Income [Line Items]
Government securities	12,938	18,831
Asset-backed securities		5
Corporate and other debt securities	8,783	4,151
	21,721	22,987
Treasury and other bills	439	221
Total financial assets at fair value through other comprehensive income	£ 22,160	£ 23,208

GOODWILL OF THE GROUP (Details)

GOODWILL OF THE GROUP (Details) - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
GOODWILL OF THE GROUP (Details) [Line Items]
Goodwill	£ 474	£ 474
Cards [member]
GOODWILL OF THE GROUP (Details) [Line Items]
Goodwill	£ 302	£ 302
Percentage of entity goodwill	64.00%	64.00%
Motor Finance [member]
GOODWILL OF THE GROUP (Details) [Line Items]
Goodwill	£ 170	£ 170
Percentage of entity goodwill	36.00%	36.00%

GOODWILL OF THE GROUP (Detail_2

GOODWILL OF THE GROUP (Details) - Schedule of Goodwill - The Group [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
GOODWILL OF THE GROUP (Details) - Schedule of Goodwill [Line Items]
ImpairmentLossRecognisedInProfitOrLossGoodwill		£ 474	£ 474
Cost	[1]	814	828
Accumulated impairment losses		(340)	(354)
Ending Balance		474	474
ImpairmentLossRecognisedInProfitOrLossGoodwill		£ 474	£ 474
[1]	For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003.

OTHER INTANGIBLE ASSETS (Detail

OTHER INTANGIBLE ASSETS (Details) - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
OTHER INTANGIBLE ASSETS (Details) [Line Items]
Brand names	£ 380	£ 380
Remaining amortisation period of intangible assets material to entity	8 years

OTHER INTANGIBLE ASSETS (Deta_2

OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	£ 3,322
End Balance	3,781	£ 3,322
Cost [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	8,313	7,515
Transfers in		324
Additions	1,029	1,020
Disposals and write-offs		(67)
Disposal of business		(479)
End Balance	9,332	8,313
Disposals	(10)
Accumulated amortisation [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	4,991	4,849
Transfers in		117
Charge for the year	562	500
Disposals and write-offs		(49)
Disposal of business		(426)
End Balance	5,551	4,991
Disposals	(2)
Brand names [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	380
End Balance	380	380
Brand names [member] | Cost [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	584	596
Disposal of business		(12)
End Balance	584	584
Brand names [member] | Accumulated amortisation [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	204	193
Charge for the year		23
Disposal of business		(12)
End Balance	204	204
Core Deposit Intangible [member] | Cost [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	2,770	2,770
End Balance	2,770	2,770
Core Deposit Intangible [member] | Accumulated amortisation [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	2,770	2,770
End Balance	2,770	2,770
Purchased Credit Card Relationships [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	591
End Balance	521	591
Purchased Credit Card Relationships [member] | Cost [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	1,002	1,017
Disposals and write-offs		(15)
End Balance	1,002	1,002
Purchased Credit Card Relationships [member] | Accumulated amortisation [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	411	355
Charge for the year	70	71
Disposals and write-offs		(15)
End Balance	481	411
Customer-related intangible assets [member] | Cost [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	50	471
Disposal of business		(421)
End Balance	50	50
Customer-related intangible assets [member] | Accumulated amortisation [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	50	452
Charge for the year		12
Disposal of business		(414)
End Balance	50	50
Computer software [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	2,351
End Balance	2,880	2,351
Computer software [member] | The Bank [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	2,062
End Balance	2,618	2,062
Computer software [member] | Cost [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	3,907	2,661
Transfers in		324
Additions	1,029	1,020
Disposals and write-offs		(52)
Disposal of business		(46)
End Balance	4,926	3,907
Disposals	(10)
Computer software [member] | Cost [member] | The Bank [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	3,306	2,331
Additions	978	977
Disposals and write-offs		(2)
End Balance	4,280	3,306
Disposals	(4)
Computer software [member] | Accumulated amortisation [member] | The Group [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	1,556	1,079
Transfers in		117
Charge for the year	492	394
Disposals and write-offs		(34)
End Balance	2,046	1,556
Disposals	(2)
Computer software [member] | Accumulated amortisation [member] | The Bank [member]
OTHER INTANGIBLE ASSETS (Details) - Schedule of Other Intangible Assets [Line Items]
Beginning Balance	1,244	916
Charge for the year	420	328
End Balance	1,662	£ 1,244
Disposals	£ (2)

PROPERTY, PLANT AND EQUIPMENT_2

PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2019
The Group [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		£ 8,515
Change in fair value of investment properties		8
Ending Balance		9,467	£ 8,515
The Group [member] | Investment property [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		35
Ending Balance		15	35
The Group [member] | Buildings [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		981
Ending Balance		963	981
The Group [member] | Other property, plant and equipment [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		2,696
Ending Balance		2,454	2,696
The Group [member] | Property, plant and equipment subject to operating leases [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		4,803
Ending Balance		4,426	4,803
The Group [member] | Right-of-use assets [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance	[1]
Ending Balance	[1]	1,609
The Bank [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		2,940
Ending Balance		3,594	2,940
The Bank [member] | Buildings [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		588
Ending Balance		582	588
The Bank [member] | Other property, plant and equipment [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		2,352
Ending Balance		2,144	2,352
The Bank [member] | Right-of-use assets [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance	[1]
Ending Balance	[1]	868
Gross carrying amount [member] | The Group [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		14,478
Exchange and other adjustments		7
Additions		2,512
Expenditure on investment properties (see below)		11
Change in fair value of investment properties		(8)
Disposals		(2,203)
Ending Balance		14,797	14,478
Gross carrying amount [member] | The Group [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		12,823	13,396
Exchange and other adjustments			9
Additions			2,341
Expenditure on investment properties (see below)			17
Disposals			(2,784)
Disposal of business			(156)
Ending Balance			12,823
Gross carrying amount [member] | The Group [member] | Increase (decrease) due to changes in accounting policy [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Adjustment on adoption of IFRS 16 (note 49)				£ 1,655
Gross carrying amount [member] | The Group [member] | Investment property [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		35
Expenditure on investment properties (see below)		11
Change in fair value of investment properties		(8)
Disposals		(23)
Ending Balance		15	35
Gross carrying amount [member] | The Group [member] | Investment property [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		35	50
Expenditure on investment properties (see below)			17
Disposals			(32)
Ending Balance			35
Gross carrying amount [member] | The Group [member] | Buildings [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		1,180
Exchange and other adjustments		3
Additions		118
Disposals		(243)
Ending Balance		1,058	1,180
Gross carrying amount [member] | The Group [member] | Buildings [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		1,180	1,763
Additions			71
Disposals			(643)
Disposal of business			(11)
Ending Balance			1,180
Gross carrying amount [member] | The Group [member] | Other property, plant and equipment [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		4,966
Exchange and other adjustments		4
Additions		518
Disposals		(231)
Ending Balance		5,257	4,966
Gross carrying amount [member] | The Group [member] | Other property, plant and equipment [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		4,966	5,055
Additions			516
Disposals			(571)
Disposal of business			(34)
Ending Balance			4,966
Gross carrying amount [member] | The Group [member] | Property, plant and equipment subject to operating leases [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		6,642
Additions		1,693
Disposals		(1,681)
Ending Balance		6,654	6,642
Gross carrying amount [member] | The Group [member] | Property, plant and equipment subject to operating leases [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		6,642	6,528
Exchange and other adjustments			9
Additions			1,754
Disposals			(1,538)
Disposal of business			(111)
Ending Balance			6,642
Gross carrying amount [member] | The Group [member] | Right-of-use assets [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance	[1]	1,655
Exchange and other adjustments	[1]
Additions	[1]	183
Expenditure on investment properties (see below)	[1]
Change in fair value of investment properties	[1]
Disposals	[1]	(25)
Ending Balance	[1]	1,813	1,655
Gross carrying amount [member] | The Group [member] | Right-of-use assets [member] | Increase (decrease) due to changes in accounting policy [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Adjustment on adoption of IFRS 16 (note 49)	[1]			1,655
Gross carrying amount [member] | The Bank [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		8,425
Exchange and other adjustments		21
Additions		660
Disposals		(497)
Ending Balance		8,609	8,425
Gross carrying amount [member] | The Bank [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		7,542	7,928
Exchange and other adjustments			12
Additions			509
Disposals			(907)
Ending Balance			7,542
Gross carrying amount [member] | The Bank [member] | Increase (decrease) due to changes in accounting policy [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Adjustment on adoption of IFRS 16 (note 49)				883
Gross carrying amount [member] | The Bank [member] | Buildings [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		1,275
Exchange and other adjustments		21
Additions		62
Disposals		(271)
Ending Balance		1,087	1,275
Gross carrying amount [member] | The Bank [member] | Buildings [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		1,275	1,626
Exchange and other adjustments			14
Additions			57
Disposals			(422)
Ending Balance			1,275
Gross carrying amount [member] | The Bank [member] | Other property, plant and equipment [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		6,267
Additions		484
Disposals		(210)
Ending Balance		6,541	6,267
Gross carrying amount [member] | The Bank [member] | Other property, plant and equipment [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		6,267	6,172
Exchange and other adjustments			(6)
Additions			452
Disposals			(351)
Ending Balance			6,267
Gross carrying amount [member] | The Bank [member] | Property, plant and equipment subject to operating leases [member] | Previously stated [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance			130
Exchange and other adjustments			4
Disposals			(134)
Ending Balance
Gross carrying amount [member] | The Bank [member] | Right-of-use assets [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance	[1]	883
Exchange and other adjustments	[1]
Additions	[1]	114
Expenditure on investment properties (see below)	[1]
Change in fair value of investment properties	[1]
Disposals	[1]	(16)
Ending Balance	[1]	981	883
Gross carrying amount [member] | The Bank [member] | Right-of-use assets [member] | Increase (decrease) due to changes in accounting policy [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Adjustment on adoption of IFRS 16 (note 49)	[1]			£ 883
Accumulated depreciation, amortisation and impairment [member] | The Group [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		4,308	4,334
Exchange and other adjustments		(33)	4
Depreciation charge for the year		2,040	1,849
Disposals		(985)	(1,757)
Disposal of business			(122)
Ending Balance		5,330	4,308
Accumulated depreciation, amortisation and impairment [member] | The Group [member] | Buildings [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		199	711
Depreciation charge for the year		121	121
Disposals		(225)	(628)
Disposal of business			(5)
Ending Balance		95	199
Accumulated depreciation, amortisation and impairment [member] | The Group [member] | Other property, plant and equipment [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		2,270	2,117
Exchange and other adjustments		(1)
Depreciation charge for the year		710	713
Disposals		(176)	(534)
Disposal of business			(26)
Ending Balance		2,803	2,270
Accumulated depreciation, amortisation and impairment [member] | The Group [member] | Property, plant and equipment subject to operating leases [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		1,839	1,506
Exchange and other adjustments		(33)	4
Depreciation charge for the year		1,006	1,015
Disposals		(584)	(595)
Disposal of business			(91)
Ending Balance		2,228	1,839
Accumulated depreciation, amortisation and impairment [member] | The Group [member] | Right-of-use assets [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Exchange and other adjustments	[1]	1
Depreciation charge for the year	[1]	203
Disposals	[1]
Ending Balance	[1]	204
Accumulated depreciation, amortisation and impairment [member] | The Bank [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		4,602	4,676
Exchange and other adjustments		11	1
Depreciation charge for the year		825	703
Disposals		(423)	(778)
Ending Balance		5,015	4,602
Accumulated depreciation, amortisation and impairment [member] | The Bank [member] | Buildings [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		687	1,023
Exchange and other adjustments		8	5
Depreciation charge for the year		67	62
Disposals		(257)	(403)
Ending Balance		505	687
Accumulated depreciation, amortisation and impairment [member] | The Bank [member] | Other property, plant and equipment [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance		3,915	3,632
Exchange and other adjustments			(4)
Depreciation charge for the year		648	639
Disposals		(166)	(352)
Ending Balance		4,397	3,915
Accumulated depreciation, amortisation and impairment [member] | The Bank [member] | Property, plant and equipment subject to operating leases [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Beginning Balance			21
Depreciation charge for the year			2
Disposals			£ (23)
Ending Balance
Accumulated depreciation, amortisation and impairment [member] | The Bank [member] | Right-of-use assets [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Property, Plant and Equipment [Line Items]
Exchange and other adjustments	[1]	3
Depreciation charge for the year	[1]	110
Disposals	[1]
Ending Balance	[1]	£ 113
[1]	Primarily premises.

PROPERTY, PLANT AND EQUIPMENT_3

PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Expenditure on Investment Properties - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Schedule of Expenditure on Investment Properties [Abstract]
Acquisitions of new properties	£ 11	£ 17
Expenditure on investment properties	£ 11	£ 17

PROPERTY, PLANT AND EQUIPMENT_4

PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	£ 2,025	£ 2,257
Not later than one year [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	977	1,095
Later than one year and not later than two years [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	620	681
Later than two years and not later than three years [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	312	332
Later than three years and not later than four years [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	102	113
Later than four years and not later than five years [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	12	30
Later than five years [member]
PROPERTY, PLANT AND EQUIPMENT (Details) - Schedule of Future Minimum Rentals Receivable under Non-Cancellable Operating Leases [Line Items]
Future minimum rentals receivable	£ 2	£ 6

INVESTMENT IN SUBSIDIARY UNDE_3

INVESTMENT IN SUBSIDIARY UNDERTAKINGS OF THE BANK (Details) - Schedule of Investment in subsidiary undertakings of the Bank - Subsidiary undertakings of the Bank - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
INVESTMENT IN SUBSIDIARY UNDERTAKINGS OF THE BANK (Details) - Schedule of Investment in subsidiary undertakings of the Bank [Line Items]
At 1 January		£ 32,656	£ 32,878
Additions and capital injections		1,766	110
Capital contributions		53	73
Capital repayments		(212)	(210)
Disposals		(20)	(103)
Impairment	[1]	(159)	(92)
At 31 December		£ 34,084	£ 32,656
[1]	During the year ended 31 December 2019 the Bank wrote-down the carrying value of its investments in certain subsidiaries, following a review of their financial position and anticipated future activities.

OTHER ASSETS (Details) - Schedu

OTHER ASSETS (Details) - Schedule of Other Assets - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
OTHER ASSETS (Details) - Schedule of Other Assets [Line Items]
Settlement balances	£ 490	£ 223
Investments in joint ventures and associates	3	5
Other assets and prepayments	2,034	2,011
Total other assets	2,527	2,239
The Bank [member]
OTHER ASSETS (Details) - Schedule of Other Assets [Line Items]
Settlement balances	437	150
Investments in joint ventures and associates	5	5
Other assets and prepayments	556	694
Total other assets	£ 998	£ 849

FINANCIAL LIABILITIES AT FAIR_3

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
AmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	£ 14,365	£ 15,435
DifferenceBetweenTheBalanceSheetCarryingValueAndAmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	6,834	8,350
Increase (decrease) in fair value measurement, liabilities	33	386
Increase (decrease) in fair value of financial liability, attributable to changes in credit risk of liability	419	(533)
The Group [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
Financial liabilities at fair value through profit or loss	7,702	17,730
The Group [member] | Later than one year [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
Financial liabilities at fair value through profit or loss	7,376	7,097
The Bank [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
Financial liabilities at fair value through profit or loss	7,697	17,719
The Bank [member] | Later than one year [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) [Line Items]
Financial liabilities at fair value through profit or loss	£ 7,328	£ 7,036

FINANCIAL LIABILITIES AT FAIR_4

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Liabilities and Fair Value Through Profit or Loss - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Liabilities and Fair Value Through Profit or Loss [Line Items]
Liabilities designated at fair value through profit or loss: debt securities in issue	£ 7,531	£ 7,085
Liabilities in respect of securities sold under repurchase agreements		10,258
Other deposits	98	270
Short positions in securities	73	117
	171	10,645
Financial liabilities at fair value through profit or loss	7,702	17,730
The Bank [member]
FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (Details) - Schedule of Trading and Other Financial Liabilities and Fair Value Through Profit or Loss [Line Items]
Liabilities designated at fair value through profit or loss: debt securities in issue	7,484	7,032
Liabilities in respect of securities sold under repurchase agreements		10,258
Other deposits	140	362
Short positions in securities	73	67
	213	10,687
Financial liabilities at fair value through profit or loss	£ 7,697	£ 17,719

DEBT SECURITIES IN ISSUE (Detai

DEBT SECURITIES IN ISSUE (Details) - Later than one year [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
DEBT SECURITIES IN ISSUE (Details) [Line Items]
Debt instruments issued	£ 41,762	£ 44,749
The Bank [member]
DEBT SECURITIES IN ISSUE (Details) [Line Items]
Debt instruments issued	£ 32,152	£ 32,923

DEBT SECURITIES IN ISSUE (Det_2

DEBT SECURITIES IN ISSUE (Details) - Schedule of Debt Securities in Issue - Before IFRS 9 impairment adjustments [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
DEBT SECURITIES IN ISSUE (Details) - Schedule of Debt Securities in Issue [Line Items]
Medium-term notes issued	£ 26,628	£ 17,314
Covered bonds (note 27)	29,818	28,194
Certificates of deposit issued	4,925	6,667
Securitisation notes (note 27)	7,329	5,480
Commercial paper	7,731	6,878
Total debt securities in issue	76,431	64,533
The Bank [member]
DEBT SECURITIES IN ISSUE (Details) - Schedule of Debt Securities in Issue [Line Items]
Medium-term notes issued	25,603	16,221
Covered bonds (note 27)	25,359	22,351
Certificates of deposit issued	4,925	6,667
Commercial paper	5,622	4,548
Total debt securities in issue	£ 61,509	£ 49,787

SECURITISATIONS AND COVERED B_3

SECURITISATIONS AND COVERED BONDS (Details) - Securitisation programme [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
SECURITISATIONS AND COVERED BONDS (Details) [Line Items]
Securitisation Notes At Fair Value Through Profit Or Loss	£ 47	£ 53
The Group [member]
SECURITISATIONS AND COVERED BONDS (Details) [Line Items]
Cash Deposits Held Restricted In Use To Securitisation And Covered Bonds	4,703	4,102
Maximum exposure to loss from interests in structured entities	£ 56	£ 88

SECURITISATIONS AND COVERED B_4

SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
Securities lending [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		£ 42,545	£ 41,674
Securities lending [member] | Covered bond programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		39,131	36,802
Securities lending [member] | Covered bond programme [member] | Residential mortgage-backed [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		37,579	34,963
Securities lending [member] | Covered bond programme [member] | Social housing loan-backed [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		1,552	1,839
Securities lending [member] | UK residential mortgages [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		25,815	25,018
Securities lending [member] | Commercial loans [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		5,116	5,746
Securities lending [member] | Credit Card Receivable [Member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		8,164	8,060
Securities lending [member] | Motor Vehicle Finance [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		3,450	2,850
Notes in issue [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		37,194	33,727
Notes in issue [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		38,772	37,180
Notes in issue [member] | Covered bond programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		29,918	28,894
Notes in issue [member] | Covered bond programme [member] | Residential mortgage-backed [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		29,318	27,694
Notes in issue [member] | Covered bond programme [member] | Social housing loan-backed [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		600	1,200
Notes in issue [member] | UK residential mortgages [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		23,505	22,485
Notes in issue [member] | Commercial loans [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		6,038	6,577
Notes in issue [member] | Credit Card Receivable [Member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		5,767	5,263
Notes in issue [member] | Motor Vehicle Finance [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		3,462	2,855
Notes in issue [member] | Less held by the group [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		(31,396)	(31,647)
Notes in issue [member] | Less held by the group [member] | Covered bond programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		(100)	(700)
Notes in issue [member] | Total securitisation programmes [member] | Securitisation programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes	[1]	7,376	5,533
Notes in issue [member] | Total covered bond programmes [member] | Covered bond programme [member]
SECURITISATIONS AND COVERED BONDS (Details) - Schedule of Securitisation and Covered Bond Programmes [Line Items]
Securitisation and covered bond programmes		£ 29,818	£ 28,194
[1]	Includes 47 million (2018: 53 million) of securitisation notes held at fair value through profit or loss.

OTHER LIABILITIES (Details) - S

OTHER LIABILITIES (Details) - Schedule of Other Liabilities - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Total other liabilities	£ 5,600	£ 4,335
The Bank [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Total other liabilities	2,792	3,522
Settlement balances [member] | The Group [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Settlement balances	274	30
Settlement balances [member] | The Bank [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Settlement balances	9	32
Lease liabilities [member] | The Group [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Lease liabilities	1,755	46
Lease liabilities [member] | The Bank [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Lease liabilities	975	46
Other creditors and accruals [member] | The Group [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Other creditors and accruals	3,571	4,259
Other creditors and accruals [member] | The Bank [member]
OTHER LIABILITIES (Details) - Schedule of Other Liabilities [Line Items]
Other creditors and accruals	£ 1,808	£ 3,444

OTHER LIABILITIES (Details) -_2

OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities - Lease liabilities [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	£ 1,755	£ 46
The Group [member] | Not later than one year [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	238	10
The Group [member] | Later than one year and not later than two years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	220	9
The Group [member] | Later than two years and not later than three years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	192	7
The Group [member] | Later than three years and not later than four years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	156	6
The Group [member] | Later than four years and not later than five years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	156	2
The Group [member] | Later than five years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	793	12
The Bank [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	975	46
The Bank [member] | Not later than one year [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	132	10
The Bank [member] | Later than one year and not later than two years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	124	9
The Bank [member] | Later than two years and not later than three years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	106	7
The Bank [member] | Later than three years and not later than four years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	84	6
The Bank [member] | Later than four years and not later than five years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	84	2
The Bank [member] | Later than five years [member]
OTHER LIABILITIES (Details) - Schedule of Maturity of Lease Liabilities [Line Items]
Lease Liabilities	£ 445	£ 12

RETIREMENT BENEFIT OBLIGATION_2

RETIREMENT BENEFIT OBLIGATIONS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jan. 28, 2020	Jun. 30, 2014
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Percentage of gross defined benefit pension assets						94.00%
Actuarial assumption of retirement age						60 years
Contributions to plan, net defined benefit liability (asset)					£ (1,200)
Past service cost and gains (losses) arising from settlements, net defined benefit liability (asset)						£ 33
Actuarial assumption of discount rates						2.05%	2.90%
Description of asset-liability matching strategies used by plan or entity to manage risk						The main schemes’ assets are invested in a diversified portfolio, consisting primarily of debt securities. The investment strategy is not static and will evolve to reflect the structure of liabilities within the schemes. Specific asset-liability matching strategies for each pension plan are independently determined by the responsible governance body for each scheme and in consultation with the employer. A significant goal of the asset-liability matching strategies adopted by Group schemes is to reduce volatility caused by changes in market expectations of interest rates and inflation. In the main schemes, this is achieved by investing scheme assets in bonds, primarily fixed interest gilts and index linked gilts, and by entering into interest rate and inflation swap arrangements. These investments are structured to take into account the profile of scheme liabilities, and actively managed to reflect both changing market conditions and changes to the liability profile. On 28 January 2020, the main schemes entered into a £10 billion longevity insurance arrangement to hedge around 20 per cent of the schemes’ exposure to unexpected increases in life expectancy. This arrangement will form part of the schemes’ investment portfolio and will provide income to the schemes in the event that pensions are paid out for longer than expected. The transaction is structured as a pass-through with Scottish Widows as the insurer, and onwards reinsurance to Pacific Life Re Limited. At 31 December 2019 the asset-liability matching strategy mitigated 106 per cent of the liability sensitivity to interest rate movements and 103 per cent of the liability sensitivity to inflation movements. In addition a small amount of interest rate sensitivity arises through holdings of corporate and other debt securities.
Defined Benefit Plan, Estimated Future Retirement Benefits Covered by Insurance Contract, Amount									£ 10,000
Employer contributions						£ 273	£ 288	£ 242
The group's three main schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Percentage of gross defined benefit pension assets							94.00%
Aggregated measurement [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Surplus (deficit) in plan						£ 7,300				£ (5,200)
Defined benefit plan funding level						85.60%				85.90%
Contributions to plan, net defined benefit liability (asset)	£ 1,305	£ 1,305	£ 1,305	£ 1,287	£ 798	£ 618
Guaranteed Minimum Pension Benefits [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Past service cost and gains (losses) arising from settlements, net defined benefit liability (asset)							£ 108
Minimum [Member] | The group's three main schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Actuarial assumption of retirement age						55 years
RPI [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Actuarial assumption of expected rates of inflation						2.94%	3.20%
CPI [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Actuarial assumption of expected rates of inflation						1.99%	2.15%
Men [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Actuarial assumption of life expectancy after retirement						27 years 6 months
Women [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Actuarial assumption of life expectancy after retirement						29 years 73 days
Healthcare premiums [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Percentage of reasonably possible increase in actuarial assumption						6.54%	6.81%
Investment Grade [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Defined benefit scheme fair value of scheme assets debt instruments with investment grade						£ 33,134	£ 29,033
Debt instruments, amount contributed to fair value of plan assets						18,724	16,472
LLoyds Bank Pension Scheme No 1 and No 2 [member] | Limited liability partnerships [member] | Defined benefit pension schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Net defined benefit liability (asset)						6,700
HBOs Final Salary Pension Scheme [member] | Limited liability partnerships [member] | Defined benefit pension schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Net defined benefit liability (asset)						£ 4,800
Discontinued operations [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Liability, Retirement and Postemployment Benefits							8	42
Employer contributions							£ 3	£ 14
Contractual Right to Retire Earlier [member] | Minimum [Member] | The group's three main schemes [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) [Line Items]
Actuarial assumption of retirement age						50 years

RETIREMENT BENEFIT OBLIGATION_3

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Charges to Income Statement - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Charge to the Group income statement
Total charge to the income statement – continuing operations (note 9)	£ 518	£ 688	£ 583
Defined benefit pension schemes [member]
Charge to the Group income statement
Defined benefit plans	241	396	334
Other post-retirement benefit schemes [member]
Charge to the Group income statement
Defined benefit plans	4	4	7
Defined Benefit Schemes [member]
Charge to the Group income statement
Defined benefit plans	245	400	341
Defined contribution pension schemes [member]
Charge to the Group income statement
Defined contribution pension schemes	£ 273	£ 288	£ 242

RETIREMENT BENEFIT OBLIGATION_4

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefits Recognised in Balance Sheet - Amount Recognized [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Amounts recognised in the balance sheet
Retirement benefit assets	£ 681	£ 1,267
Retirement benefit obligations	(257)	(245)
Total amounts recognised in the balance sheet	424	1,022
The Bank [member]
Amounts recognised in the balance sheet
Retirement benefit assets	386	704
Retirement benefit obligations	(124)	(121)
Total amounts recognised in the balance sheet	£ 262	£ 583

RETIREMENT BENEFIT OBLIGATION_5

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet - Amount Recognized [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet [Line Items]
Defined benefit schemes	£ 424	£ 1,022
The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet [Line Items]
Defined benefit schemes	262	583
Defined benefit pension schemes [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet [Line Items]
Defined benefit schemes	550	1,146
Defined benefit pension schemes [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet [Line Items]
Defined benefit schemes	347	667
Other post-retirement benefit schemes [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet [Line Items]
Defined benefit schemes	(126)	(124)
Other post-retirement benefit schemes [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Total Amounts Recognized in Balance Sheet [Line Items]
Defined benefit schemes	£ (85)	£ (84)

RETIREMENT BENEFIT OBLIGATION_6

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefits Amounts Recognized in Balance Sheet - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefits Amounts Recognized in Balance Sheet [Line Items]
Present value of funded obligations	£ (45,241)	£ (41,092)	£ (43,136)
Net amount recognised in the balance sheet	550	1,146
The Group [member] | Net amounts presented in the balance sheet [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefits Amounts Recognized in Balance Sheet [Line Items]
Present value of funded obligations	(45,241)	(41,092)
Fair value of scheme assets	45,791	42,238
The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefits Amounts Recognized in Balance Sheet [Line Items]
Present value of funded obligations	(28,072)	(25,198)	£ (27,041)
Net amount recognised in the balance sheet	347	667
The Bank [member] | Net amounts presented in the balance sheet [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefits Amounts Recognized in Balance Sheet [Line Items]
Present value of funded obligations	(28,072)	(25,198)
Fair value of scheme assets	£ 28,419	£ 25,865

RETIREMENT BENEFIT OBLIGATION_7

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Retirement Benefit Net Amounts Recognized in Balance Sheet - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Net amount recognised in the balance sheet
Beginning Balance		£ 1,146	£ 586
Net defined benefit pension charge		(241)	(396)
Actuarial gains (losses) on defined benefit obligation		(4,958)	1,641
Return on plan assets		3,531	(1,529)
Employer contributions		1,062	827
Transfer of subsidiary	[1]		(9)
Exchange and other adjustments		10	26
Ending Balance		550	1,146
The Bank [member]
Net amount recognised in the balance sheet
Beginning Balance		667	633
Net defined benefit pension charge		(129)	(193)
Actuarial gains (losses) on defined benefit obligation		(3,473)	760
Return on plan assets		2,700	(983)
Employer contributions		558	451
Transfer of subsidiary	[1]
Exchange and other adjustments		24	(1)
Ending Balance		£ 347	£ 667
[1]	Prior to the disposal of the Scottish Widows Group in 2018, its subsidiary Scottish Widows Services Limited transferred to the direct ownership of the Bank; this subsidiary is the participating employer in the Scottish Widows Retirement Benefits Scheme.

RETIREMENT BENEFIT OBLIGATION_8

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Movements in Defined Benefit Obligation - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Movements in the defined benefit obligation
Beginning Balance	£ (41,092)	£ (43,136)
Current service cost	(201)	(257)
Interest expense	(1,172)	(1,119)
Remeasurements:
Actuarial losses – experience	(29)	(439)
Actuarial (losses) gains – demographic assumptions	471	(201)
Actuarial gains (losses) – financial assumptions	(5,400)	2,281
Benefits paid	2,174	3,036
Past service cost	(44)	(108)
Settlements	17	17
Curtailments		(12)
Transfer of subsidiary		(1,154)
Exchange and other adjustments	35
Ending Balance	(45,241)	(41,092)
The Bank [member]
Movements in the defined benefit obligation
Beginning Balance	(25,198)	(27,041)
Current service cost	(98)	(119)
Interest expense	(737)	(689)
Remeasurements:
Actuarial losses – experience	35	(333)
Actuarial (losses) gains – demographic assumptions	304	(188)
Actuarial gains (losses) – financial assumptions	(3,812)	1,281
Benefits paid	1,436	1,965
Past service cost	(33)	(66)
Curtailments		(4)
Exchange and other adjustments	31	(4)
Ending Balance	£ (28,072)	£ (25,198)

RETIREMENT BENEFIT OBLIGATION_9

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Analysis of Defined Benefit Obligations - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	£ (45,241)	£ (41,092)	£ (43,136)
The Bank [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(28,072)	(25,198)	£ (27,041)
Active members [member] | The Group [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(6,413)	(6,448)
Active members [member] | The Bank [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(3,433)	(3,487)
Deferred members [member] | The Group [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(16,058)	(14,208)
Deferred members [member] | The Bank [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(9,679)	(8,608)
Pensioners [member] | The Group [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(21,032)	(18,885)
Pensioners [member] | The Bank [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(13,714)	(11,971)
Dependants [member] | The Group [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	(1,738)	(1,551)
Dependants [member] | The Bank [member]
Analysis of the defined benefit obligation:
Defined benefit obligation	£ (1,246)	£ (1,132)

RETIREMENT BENEFIT OBLIGATIO_10

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Change in Fair Value of Scheme Assets - Postemployment Retirement Benefits [Member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Changes in the fair value of scheme assets
Beginning Balance	£ 42,238	£ 43,722
Return on plan assets excluding amounts included in interest income	3,531	(1,529)
Interest income	1,220	1,141
Employer contributions	1,062	827
Benefits paid	(2,174)	(3,036)
Settlements	(18)	(18)
Administrative costs paid	(43)	(40)
Transfer of subsidiary		1,145
Exchange and other adjustments	(25)	26
Ending Balance	45,791	42,238
The Bank [member]
Changes in the fair value of scheme assets
Beginning Balance	25,865	27,674
Return on plan assets excluding amounts included in interest income	2,700	(983)
Interest income	765	710
Employer contributions	558	451
Benefits paid	(1,436)	(1,965)
Administrative costs paid	(26)	(25)
Exchange and other adjustments	(7)	3
Ending Balance	£ 28,419	£ 25,865

RETIREMENT BENEFIT OBLIGATIO_11

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Defined Benefit Pension Expense - The Group [member] - Defined contribution pension schemes [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Defined Benefit Pension Expense [Line Items]
Current service cost	£ 201	£ 257
Net interest amount	(48)	(22)
Past service credits and curtailments		12
Settlements	1	1
Past service cost – plan amendments	44	108
Plan administration costs incurred during the year	43	40
Total defined benefit pension expense	£ 241	£ 396

RETIREMENT BENEFIT OBLIGATIO_12

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets - Retirement Scheme Assets [member] - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets [Line Items]
Equity instruments		£ 594	£ 859
Fixed interest government bonds	[1]	8,893	7,449
Index-linked government bonds	[1]	18,207	16,477
Corporate and other debt securities	[1]	10,588	8,813
Asset-backed securities	[1]		138
	[1]	37,688	32,877
Property		158	556
Pooled investment vehicles		15,358	15,072
Money market instruments, derivatives, cash and other assets and liabilities		(8,007)	(7,126)
At 31 December		45,791	42,238
The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets [Line Items]
Equity instruments		411	514
Fixed interest government bonds	[2]	3,198	2,570
Index-linked government bonds	[2]	11,254	10,236
Corporate and other debt securities	[2]	6,791	5,987
	[2]	21,243	18,793
Pooled investment vehicles		9,730	9,597
Money market instruments, derivatives, cash and other assets and liabilities		(2,965)	(3,039)
At 31 December		28,419	25,865
Quoted [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets [Line Items]
Equity instruments		555	637
Fixed interest government bonds	[1]	8,893	7,449
Index-linked government bonds	[1]	18,207	16,477
Corporate and other debt securities	[1]	10,588	8,813
Asset-backed securities	[1]		138
	[1]	37,688	32,877
Pooled investment vehicles		4,773	4,578
Money market instruments, derivatives, cash and other assets and liabilities		204	(283)
At 31 December		43,220	37,809
Quoted [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets [Line Items]
Equity instruments		385	299
Fixed interest government bonds	[2]	3,198	2,570
Index-linked government bonds	[2]	11,254	10,236
Corporate and other debt securities	[2]	6,791	5,987
	[2]	21,243	18,793
Pooled investment vehicles		2,527	2,405
Money market instruments, derivatives, cash and other assets and liabilities		(145)	(589)
At 31 December		24,010	20,908
Unquoted [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets [Line Items]
Equity instruments		39	222
Fixed interest government bonds	[1]
Index-linked government bonds	[1]
Corporate and other debt securities	[1]
Asset-backed securities	[1]
	[1]
Property		158	556
Pooled investment vehicles		10,585	10,494
Money market instruments, derivatives, cash and other assets and liabilities		(8,211)	(6,843)
At 31 December		2,571	4,429
Unquoted [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Composition of Scheme Assets [Line Items]
Equity instruments		26	215
Fixed interest government bonds	[2]
Index-linked government bonds	[2]
Corporate and other debt securities	[2]
	[2]
Pooled investment vehicles		7,203	7,192
Money market instruments, derivatives, cash and other assets and liabilities		(2,820)	(2,450)
At 31 December		£ 4,409	£ 4,957
[1]	Of the total debt instruments, 33,134 million (31 December 2018: 29,033 million) were investment grade (credit ratings equal to or better than 'BBB').
[2]	Of the total debt instruments, 18,724 million (31 December 2018: 16,472 million) were investment grade (credit ratings equal to or better than 'BBB').

RETIREMENT BENEFIT OBLIGATIO_13

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	£ 15,358	£ 15,072
The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	9,730	9,597
Equity Funds [Member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	2,429	2,329
Equity Funds [Member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	1,706	1,705
Hedge and mutual funds [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	2,886	2,487
Hedge and mutual funds [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	1,818	1,488
Liquidity funds [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	1,126	2,329
Liquidity funds [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	980	1,336
Bond and debt funds [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	971	313
Bond and debt funds [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	211
Other [member] | The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	7,946	7,614
Other [member] | The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Pension Scheme's Pooled Investment Vehicles [Line Items]
Pooled investment vehicle	£ 5,015	£ 5,068

RETIREMENT BENEFIT OBLIGATIO_14

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Principal Actuarial and Financial Assumptions Used in Valuation of Defined Benefit Pension Schemes	Dec. 31, 2019	Dec. 31, 2018
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Principal Actuarial and Financial Assumptions Used in Valuation of Defined Benefit Pension Schemes [Line Items]
Discount rate	2.05%	2.90%
Rate of inflation:
Rate of salary increases	0.00%	0.00%
Weighted-average rate of increase for pensions in payment	2.57%	2.73%
RPI [member]
Rate of inflation:
Prices Index	2.94%	3.20%
CPI [member]
Rate of inflation:
Prices Index	1.99%	2.15%

RETIREMENT BENEFIT OBLIGATIO_15

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Benefit Plan Member Life Expectancy	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Men [member] | On Valuation Date [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Benefit Plan Member Life Expectancy [Line Items]
Members	27 years 6 months	27 years 292 days
Men [member] | 15 Years After Valuation Date [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Benefit Plan Member Life Expectancy [Line Items]
Members	28 years 6 months	28 years 292 days
Women [member] | On Valuation Date [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Benefit Plan Member Life Expectancy [Line Items]
Members	29 years 73 days	29 years 146 days
Women [member] | 15 Years After Valuation Date [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Benefit Plan Member Life Expectancy [Line Items]
Members	30 years 109 days	30 years 219 days

RETIREMENT BENEFIT OBLIGATIO_16

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Increase of 0.1 percent [member] | Actuarial assumption of expected rates of inflation [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes [Line Items]
Increase (decrease) in the income statement charge	[1]	£ 12	£ 14
Increase (decrease) in the net defined benefit pension scheme liability	[1]	467	410
Increase of 0.1 percent [member] | Actuarial assumption of discount rates [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes [Line Items]
Increase (decrease) in the income statement charge	[2]	(20)	(27)
Increase (decrease) in the net defined benefit pension scheme liability	[2]	(763)	(670)
Decrease of 0.1 percent [member] | Actuarial assumption of expected rates of inflation [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes [Line Items]
Increase (decrease) in the income statement charge	[1]	(12)	(14)
Increase (decrease) in the net defined benefit pension scheme liability	[1]	(460)	(395)
Decrease of 0.1 percent [member] | Actuarial assumption of discount rates [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes [Line Items]
Increase (decrease) in the income statement charge	[2]	21	25
Increase (decrease) in the net defined benefit pension scheme liability	[2]	784	686
Increase of one year [member] | Actuarial assumption of expected life expectancy of members [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes [Line Items]
Increase (decrease) in the income statement charge		40	43
Increase (decrease) in the net defined benefit pension scheme liability		1,636	1,299
Decrease of one year [member] | Actuarial assumption of expected life expectancy of members [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Possible Alternative Assumptions Used in Valuations of Defined Benefit Pension Schemes [Line Items]
Increase (decrease) in the income statement charge		(39)	(42)
Increase (decrease) in the net defined benefit pension scheme liability		£ (1,575)	£ (1,257)
[1]	At 31 December 2019, the assumed rate of RPI inflation is 2.94 per cent and CPI inflation 1.99 per cent (2018: RPI 3.20 per cent and CPI 2.15 per cent).
[2]	At 31 December 2019, the assumed discount rate is 2.05 per cent (2018: 2.90 per cent).

RETIREMENT BENEFIT OBLIGATIO_17

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Weighted Average Duration of Defined Benefit Pension Obligations	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Weighted Average Duration of Defined Benefit Pension Obligations [Line Items]
Duration of the defined benefit obligation	18 years	18 years
The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Weighted Average Duration of Defined Benefit Pension Obligations [Line Items]
Duration of the defined benefit obligation	16 years	17 years

RETIREMENT BENEFIT OBLIGATIO_18

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member] | Paid Within 12 Months [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	£ 1,274	£ 1,225
The Group [member] | Paid Between 1 and 2 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	1,373	1,299
The Group [member] | Paid Between 2 and 5 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	4,455	4,303
The Group [member] | Paid Between 5 and 10 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	8,426	8,305
The Group [member] | Paid Between 10 and 15 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	9,229	9,416
The Group [member] | Paid Between 15 and 25 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	17,400	18,417
The Group [member] | Paid Between 25 and 35 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	13,999	15,631
The Group [member] | Paid Between 35 and 45 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	8,291	9,924
The Group [member] | Paid In More Than 45 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	3,160	4,270
The Bank [member] | Paid Within 12 Months [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	892	839
The Bank [member] | Paid Between 1 and 2 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	963	900
The Bank [member] | Paid Between 2 and 5 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	3,086	2,952
The Bank [member] | Paid Between 5 and 10 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	5,673	5,543
The Bank [member] | Paid Between 10 and 15 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	5,962	6,044
The Bank [member] | Paid Between 15 and 25 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	10,603	11,052
The Bank [member] | Paid Between 25 and 35 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	8,044	8,834
The Bank [member] | Paid Between 35 and 45 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	4,266	5,074
The Bank [member] | Paid In More Than 45 Years [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Maturity Analysis of Benefits Expected To Be Paid [Line Items]
Benefits expected to be paid	£ 1,208	£ 1,661

RETIREMENT BENEFIT OBLIGATIO_19

RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Movements in Other Post-Retirement Benefits Obligation - Other Postretirement Benefits Plan [Member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Movements in Other Post-Retirement Benefits Obligation [Line Items]
Beginning Balance	£ (124)	£ (144)
Actuarial gains	(6)	18
Insurance premiums paid	7	5
Charge for the year	(4)	(4)
Exchange and other adjustments	1	1
Ending Balance	(126)	(124)
The Bank [member]
RETIREMENT BENEFIT OBLIGATIONS (Details) - Schedule of Movements in Other Post-Retirement Benefits Obligation [Line Items]
Beginning Balance	(84)	(103)
Actuarial gains	(3)	17
Insurance premiums paid	5	4
Charge for the year	(2)	(3)
Exchange and other adjustments	(1)	1
Ending Balance	£ (85)	£ (84)

DEFERRED TAX (Details)

DEFERRED TAX (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017	[1]
DEFERRED TAX (Details) [Line Items]
Income Statement, Effect of remeasurement of deferred tax utilisation	£ 25
Other Comphrensive Income, Effect of remeasurement of deferred tax utilisation	£ (8)
WriteOffOnCapitalTaxLosses	50.00%
Trading Losses [member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Expiration Term	20 years
The Group [member]
DEFERRED TAX (Details) [Line Items]
Increase (decrease) in deferred tax expense (income) due to rate regulation	£ 10
Deferred tax assets	3,366	£ 3,222
The Group [member] | Trading Losses [member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards, Subject to Expiration	35	36
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	45	52
The Group [member] | UK [member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	111	121
Current tax expense (income)	650
The Group [member] | Foreign Tax Authority [Member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	46	46
Deferred tax assets	0
The Bank [member]
DEFERRED TAX (Details) [Line Items]
Increase (decrease) in deferred tax expense (income) due to rate regulation
Deferred tax assets	2,029	1,984
The Bank [member] | Trading Losses [member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards, Subject to Expiration
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	5	7
The Bank [member] | UK [member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	84	98
Current tax expense (income)	497
The Bank [member] | Foreign Tax Authority [Member]
DEFERRED TAX (Details) [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration	7	7
UK Corporation Tax [member]
DEFERRED TAX (Details) [Line Items]
Increase (decrease) in deferred tax liability (asset)	397
Current tax expense (income)	£ 1,279	£ 1,108	[1]	£ 1,029
Current year [member]
DEFERRED TAX (Details) [Line Items]
Applicable tax rate	19.00%
1 April 2020 [member]
DEFERRED TAX (Details) [Line Items]
Applicable tax rate	17.00%
[1]	Restated, see note 1.

DEFERRED TAX (Details) - Schedu

DEFERRED TAX (Details) - Schedule of Statutory Position and Tax Disclosure - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member] | Statutory position [member]
DEFERRED TAX (Details) - Schedule of Statutory Position and Tax Disclosure [Line Items]
Deferred tax assets	£ 3,366	£ 3,222
Net deferred tax asset	3,366	3,222
The Group [member] | Tax disclosure [member]
DEFERRED TAX (Details) - Schedule of Statutory Position and Tax Disclosure [Line Items]
Deferred tax assets	4,710	4,738
Deferred tax liabilities	(1,344)	(1,516)
Net deferred tax asset	3,366	3,222
The Bank [member] | Statutory position [member]
DEFERRED TAX (Details) - Schedule of Statutory Position and Tax Disclosure [Line Items]
Deferred tax assets	2,029	1,984
Net deferred tax asset	2,029	1,984
The Bank [member] | Tax disclosure [member]
DEFERRED TAX (Details) - Schedule of Statutory Position and Tax Disclosure [Line Items]
Deferred tax assets	2,715	2,732
Deferred tax liabilities	(686)	(748)
Net deferred tax asset	£ 2,029	£ 1,984

DEFERRED TAX (Details) - Moveme

DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets - Prior to offsetting of balances within same taxing jurisdiction [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		£ 4,738	£ 5,206
(Charge) credit to the income statement		(218)	(233)
(Charge) credit to other comprehensive income		190	(230)
Impact of acquisitions and disposals			(5)
Deferred Tax Assets, Ending Balance		4,710	4,738
Deferred Tax Liabilities, Beginning Balance		(1,516)	(1,800)
(Charge) credit to the income statement		166	(2)
(Charge) credit to other comprehensive income		8	249
Impact of acquisitions and disposals			34
Exchange and other adjustments		(2)	3
Deferred Tax Liabilities, Ending Balance		(1,344)	(1,516)
The Group [member] | Tax Losses [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		3,783	4,011
(Charge) credit to the income statement		(183)	(228)
Deferred Tax Assets, Ending Balance		3,600	3,783
The Group [member] | Property, plant and equipment [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		646	715
(Charge) credit to the income statement		3	(69)
Deferred Tax Assets, Ending Balance		649	646
The Group [member] | Pension defined benefit plans [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		79	79
(Charge) credit to the income statement		(100)	92
(Charge) credit to other comprehensive income		74	(92)
Deferred Tax Assets, Ending Balance		53	79
The Group [member] | Other provisions [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		196	355
(Charge) credit to the income statement		(87)	(21)
(Charge) credit to other comprehensive income		116	(138)
Deferred Tax Assets, Ending Balance		225	196
The Group [member] | Share-based payment arrangements [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		28	35
(Charge) credit to the income statement		4	(2)
Impact of acquisitions and disposals			(5)
Deferred Tax Assets, Ending Balance		32	28
The Group [member] | Other temporary differences [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		6	11
(Charge) credit to the income statement		126	(5)
Deferred Tax Assets, Ending Balance		132	6
Deferred Tax Liabilities, Beginning Balance		(56)	(94)
(Charge) credit to the income statement		(53)	1
Impact of acquisitions and disposals			34
Exchange and other adjustments		(2)	3
Deferred Tax Liabilities, Ending Balance		(111)	(56)
The Group [member] | Derivatives [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
(Charge) credit to the income statement		19
Deferred Tax Assets, Ending Balance		19
Deferred Tax Liabilities, Beginning Balance		(388)	(492)
(Charge) credit to the income statement		(34)	(33)
(Charge) credit to other comprehensive income		(140)	137
Deferred Tax Liabilities, Ending Balance		(562)	(388)
The Group [member] | Acquisition Fair Value [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Liabilities, Beginning Balance		(698)	(832)
(Charge) credit to the income statement		215	134
Deferred Tax Liabilities, Ending Balance		(483)	(698)
The Group [member] | Pension Assets [Member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Liabilities, Beginning Balance		(273)	(181)
(Charge) credit to the income statement		59	(67)
(Charge) credit to other comprehensive income		64	(25)
Deferred Tax Liabilities, Ending Balance		(150)	(273)
The Group [member] | Revaluation of Assets [Member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Liabilities, Beginning Balance	[1]	(101)	(201)
(Charge) credit to the income statement	[1]	(21)	(37)
(Charge) credit to other comprehensive income	[1]	84	137
Impact of acquisitions and disposals	[1]
Exchange and other adjustments	[1]
Deferred Tax Liabilities, Ending Balance	[1]	(38)	(101)
The Bank [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		2,732	3,105
(Charge) credit to the income statement		(193)	(165)
(Charge) credit to other comprehensive income		176	(208)
Deferred Tax Assets, Ending Balance		2,715	2,732
Deferred Tax Liabilities, Beginning Balance		(748)	(959)
(Charge) credit to the income statement		57	(27)
(Charge) credit to other comprehensive income			245
Exchange and other adjustments		5	(7)
Deferred Tax Liabilities, Ending Balance		(686)	(748)
The Bank [member] | Tax Losses [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		2,284	2,433
(Charge) credit to the income statement		(86)	(149)
Deferred Tax Assets, Ending Balance		2,198	2,284
The Bank [member] | Property, plant and equipment [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		344	404
(Charge) credit to the income statement		(20)	(60)
Deferred Tax Assets, Ending Balance		324	344
The Bank [member] | Pension defined benefit plans [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		30	40
(Charge) credit to the income statement		(57)	60
(Charge) credit to other comprehensive income		60	(70)
Deferred Tax Assets, Ending Balance		33	30
The Bank [member] | Other provisions [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		53	198
(Charge) credit to the income statement		(41)	(7)
(Charge) credit to other comprehensive income		116	(138)
Deferred Tax Assets, Ending Balance		128	53
The Bank [member] | Share-based payment arrangements [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		20	25
(Charge) credit to the income statement		(1)	(5)
Deferred Tax Assets, Ending Balance		19	20
The Bank [member] | Other temporary differences [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Assets, Beginning Balance		1	5
(Charge) credit to the income statement		12	(4)
Deferred Tax Assets, Ending Balance		13	1
Deferred Tax Liabilities, Beginning Balance		(38)	(63)
(Charge) credit to the income statement		17	32
(Charge) credit to other comprehensive income		(1)
Exchange and other adjustments		5	(7)
Deferred Tax Liabilities, Ending Balance		(17)	(38)
The Bank [member] | Derivatives [member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Liabilities, Beginning Balance		(431)	(518)
(Charge) credit to other comprehensive income		(105)	87
Deferred Tax Liabilities, Ending Balance		(536)	(431)
The Bank [member] | Pension Assets [Member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Liabilities, Beginning Balance		(176)	(175)
(Charge) credit to the income statement		59	(45)
(Charge) credit to other comprehensive income		20	44
Deferred Tax Liabilities, Ending Balance		(97)	(176)
The Bank [member] | Revaluation of Assets [Member]
DEFERRED TAX (Details) - Movements in deferred tax liabilities and assets [Line Items]
Deferred Tax Liabilities, Beginning Balance	[1]	(103)	(203)
(Charge) credit to the income statement	[1]	(19)	(14)
(Charge) credit to other comprehensive income	[1]	86	114
Exchange and other adjustments	[1]
Deferred Tax Liabilities, Ending Balance	[1]	£ (36)	£ (103)
[1]	Financial assets at fair value through other comprehensive income.

OTHER PROVISIONS (Details)

OTHER PROVISIONS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2014	Dec. 31, 2018
The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Other provisions	£ 3,138		£ 4,025
Payments in respect of settlements, reimbursement rights		£ 217
Restructuring provision	114		179
Payment Protection Insurance [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Increase (decrease) in other provisions	1,795
Total Payment Protection Insurance To Date	21,821
Other provisions	1,572
Provision used, other provisions	£ 2,197
Description of Reactive Complaint Sensitivities	For every one per cent increase in PIR conversion rate on the stock as at the industry deadline, the Lloyds Bank Group would expect an additional charge of approximately £100 million.
Maximum exposure to credit risk	£ 240
Payment Protection Insurance [member] | MBNA Limited [Member]
OTHER PROVISIONS (Details) [Line Items]
Other provisions	335
Other regulatory provisions [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Increase (decrease) in other provisions	395
Other provisions	395		707
Provision used, other provisions	(707)
Arreas Handling [member] | Management Fees and Activities [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Increase (decrease) in other provisions	188
Total Arrears Handling To Date	981
Mis-selling of packaged bank accounts [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Total Packaged Bank Accounts To Date	795
Indemnities and other matters relating to legacy business disposals [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Other provisions	118		£ 122
TSB Banking Group plc [member] | Relating to the Transitional Service Agreement [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Other provisions	117
Total TSB Various Ongoing Commitments To Date Today	665
HBOS [member] | The Group [member]
OTHER PROVISIONS (Details) [Line Items]
Increase (decrease) in other provisions	45.5
Other provisions	£ 35,000
Percent of accepted offers after compensation assessment	98.00%
Value of offers after compensation assessment	£ 100
Value of accepted offers after compensation assessment	94
ExGratiaPayments	9
Payments in respect of settlements, reimbursement rights	£ 6
NumberOfFraudVictims	200

OTHER PROVISIONS (Details) - Sc

OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions £ in Millions	12 Months Ended
	Dec. 31, 2019GBP (£)
Provision for credit commitments [member] | The Group [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Charge for the year	£ (17)
Ending Balance	173
Provision for credit commitments [member] | The Group [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	190
Ending Balance
Provision for credit commitments [member] | The Bank [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Charge for the year	14
Ending Balance	90
Provision for credit commitments [member] | The Bank [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	76
Ending Balance
Payment Protection Insurance [member] | The Group [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Exchange and other adjustments	335
Provisions applied	(2,457)
Charge for the year	1,795
Ending Balance	1,874
Payment Protection Insurance [member] | The Group [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	2,201
Ending Balance
Payment Protection Insurance [member] | The Bank [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Provisions applied	(1,156)
Charge for the year	859
Ending Balance	622
Payment Protection Insurance [member] | The Bank [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	919
Ending Balance
Other regulatory provisions [member] | The Group [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	707
Provisions applied	(707)
Charge for the year	395
Ending Balance	395
Other regulatory provisions [member] | The Group [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	707
Ending Balance
Other regulatory provisions [member] | The Bank [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Provisions applied	(229)
Charge for the year	137
Ending Balance	161
Other regulatory provisions [member] | The Bank [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	253
Ending Balance
Vacant leasehold property [member] | The Group [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	830
Exchange and other adjustments	(5)
Provisions applied	(445)
Charge for the year	316
Ending Balance	696
Vacant leasehold property [member] | The Group [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	927
Ending Balance
Vacant leasehold property [member] | The Group [member] | Increase (decrease) due to changes in accounting policy required by IFRSs [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	(97)
Ending Balance
Vacant leasehold property [member] | The Bank [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	604
Exchange and other adjustments	2
Provisions applied	(303)
Charge for the year	260
Ending Balance	563
Vacant leasehold property [member] | The Bank [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	671
Ending Balance
Vacant leasehold property [member] | The Bank [member] | Increase (decrease) due to changes in accounting policy required by IFRSs [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	(67)
Ending Balance
Miscellaneous other provisions [member] | The Group [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	3,928
Exchange and other adjustments	330
Provisions applied	(3,609)
Charge for the year	2,489
Ending Balance	3,138
Miscellaneous other provisions [member] | The Group [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	4,025
Ending Balance
Miscellaneous other provisions [member] | The Group [member] | Increase (decrease) due to changes in accounting policy required by IFRSs [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	(97)
Ending Balance
Miscellaneous other provisions [member] | The Bank [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	1,852
Exchange and other adjustments	2
Provisions applied	(1,688)
Charge for the year	1,270
Ending Balance	1,436
Miscellaneous other provisions [member] | The Bank [member] | Previously stated [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	1,919
Ending Balance
Miscellaneous other provisions [member] | The Bank [member] | Increase (decrease) due to changes in accounting policy required by IFRSs [member]
OTHER PROVISIONS (Details) - Schedule of Assumptions for Other Provisions [Line Items]
Beginning Balance	£ (67)
Ending Balance

SUBORDINATED LIABILITIES (Detai

SUBORDINATED LIABILITIES (Details) - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
SUBORDINATED LIABILITIES (Details) [Line Items]
Expected cash outflow on redemption or repurchase of puttable financial instruments	[1]	£ (762)	£ (2,256)
The Bank [member]
SUBORDINATED LIABILITIES (Details) [Line Items]
Expected cash outflow on redemption or repurchase of puttable financial instruments	[2]	£ (184)
[1]	The repurchases and redemptions in the year resulted in cash outflows of 762 million (2018: 2,256 million).
[2]	The repurchases and redemptions in 2019 resulted in cash outflows of 184 million.

SUBORDINATED LIABILITIES (Det_2

SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		£ 12,745	£ 14,782
Ending Balance		12,586	12,745
Issued during the year		780	201
Repurchases and redemptions during the year	[1]	(762)	(2,256)
Foreign exchange movements		(395)	375
Other movements (all non-cash)		218	(357)
The Group [member] | Floating rate subordinated callable notes 2028 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year			201
The Group [member] | 6.461% Guaranteed Non-voting Non-cumulative Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]		(600)
The Group [member] | Undated Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]		(14)
The Group [member] | 10.5% Subordinated Bonds callable 2018 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]		(150)
The Group [member] | 6.75% Subordinated Fixed Rate Notes callable 2018 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year			(1,492)
The Group [member] | 4.1378% Dated Subordinated Notes due 2026 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		492
The Group [member] | 2.68229% Dated Subordinated Notes due 2038 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		70
The Group [member] | 2.0367% Dated Subordinated Notes due 2028 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		218
The Group [member] | Percent 13 Stepup Perpetual Capital Securities Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(49)
The Group [member] | Percent 10375 Subordinated Fixed To Fixed Rate Notes 2024 Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(135)
The Group [member] | Percent 9375 Subordinated Bonds 2021 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(328)
The Group [member] | Percent 6375 Subordinated Instruments 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(250)
The Bank [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		9,528	9,341
Ending Balance		9,909	9,528
Issued during the year		780
Repurchases and redemptions during the year	[2]	(184)
Foreign exchange movements		(275)	310
Other movements (all non-cash)		60	(123)
The Bank [member] | 4.1378% Dated Subordinated Notes due 2026 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		492
The Bank [member] | 2.68229% Dated Subordinated Notes due 2038 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		70
The Bank [member] | 2.0367% Dated Subordinated Notes due 2028 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		218
The Bank [member] | Percent 13 Stepup Perpetual Capital Securities Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]	(49)
The Bank [member] | Percent 10375 Subordinated Fixed To Fixed Rate Notes 2024 Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]	(135)
Preferred securities [member] | The Group [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		3,210	3,721
Ending Balance		3,267	3,210
Repurchases and redemptions during the year	[1]	(49)	(614)
Foreign exchange movements		(83)	108
Other movements (all non-cash)		189	(5)
Preferred securities [member] | The Group [member] | 6.461% Guaranteed Non-voting Non-cumulative Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]		(600)
Preferred securities [member] | The Group [member] | Undated Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]		(14)
Preferred securities [member] | The Group [member] | 10.5% Subordinated Bonds callable 2018 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]
Preferred securities [member] | The Group [member] | Percent 13 Stepup Perpetual Capital Securities Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(49)
Preferred securities [member] | The Bank [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		2,312	2,251
Ending Balance		2,234	2,312
Repurchases and redemptions during the year	[2]	(49)
Foreign exchange movements		(57)	88
Other movements (all non-cash)		28	(27)
Preferred securities [member] | The Bank [member] | Percent 13 Stepup Perpetual Capital Securities Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]	(49)
Preferred securities [member] | The Bank [member] | Percent 10375 Subordinated Fixed To Fixed Rate Notes 2024 Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]
Undated subordinated liabilities [member] | The Group [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		529	504
Ending Balance		516	529
Repurchases and redemptions during the year	[1]
Foreign exchange movements		(36)	20
Other movements (all non-cash)		23	5
Undated subordinated liabilities [member] | The Group [member] | 6.461% Guaranteed Non-voting Non-cumulative Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]
Undated subordinated liabilities [member] | The Group [member] | Undated Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]
Undated subordinated liabilities [member] | The Group [member] | 10.5% Subordinated Bonds callable 2018 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]
Undated subordinated liabilities [member] | The Bank [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		437	418
Ending Balance		425	437
Repurchases and redemptions during the year	[2]
Foreign exchange movements		(12)	19
Undated subordinated liabilities [member] | The Bank [member] | Percent 13 Stepup Perpetual Capital Securities Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]
Undated subordinated liabilities [member] | The Bank [member] | Percent 10375 Subordinated Fixed To Fixed Rate Notes 2024 Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]
Dated subordinated liabilities [member] | The Group [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		9,006	10,557
Ending Balance		8,803	9,006
Issued during the year		780
Repurchases and redemptions during the year	[1]	(713)	(1,642)
Foreign exchange movements		(276)	247
Other movements (all non-cash)		6	(357)
Dated subordinated liabilities [member] | The Group [member] | Floating rate subordinated callable notes 2028 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year			201
Dated subordinated liabilities [member] | The Group [member] | 6.461% Guaranteed Non-voting Non-cumulative Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]
Dated subordinated liabilities [member] | The Group [member] | Undated Perpetual Preferred Securities [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]
Dated subordinated liabilities [member] | The Group [member] | 10.5% Subordinated Bonds callable 2018 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[1]		(150)
Dated subordinated liabilities [member] | The Group [member] | 6.75% Subordinated Fixed Rate Notes callable 2018 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year			(1,492)
Dated subordinated liabilities [member] | The Group [member] | 4.1378% Dated Subordinated Notes due 2026 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		492
Dated subordinated liabilities [member] | The Group [member] | 2.68229% Dated Subordinated Notes due 2038 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		70
Dated subordinated liabilities [member] | The Group [member] | 2.0367% Dated Subordinated Notes due 2028 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		218
Dated subordinated liabilities [member] | The Group [member] | Percent 10375 Subordinated Fixed To Fixed Rate Notes 2024 Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(135)
Dated subordinated liabilities [member] | The Group [member] | Percent 9375 Subordinated Bonds 2021 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(328)
Dated subordinated liabilities [member] | The Group [member] | Percent 6375 Subordinated Instruments 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year		(250)
Dated subordinated liabilities [member] | The Bank [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Beginning Balance		6,779	6,672
Ending Balance		7,250	6,779
Issued during the year		780
Repurchases and redemptions during the year	[2]	(135)
Foreign exchange movements		(206)	203
Other movements (all non-cash)		32	£ (96)
Dated subordinated liabilities [member] | The Bank [member] | 4.1378% Dated Subordinated Notes due 2026 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		492
Dated subordinated liabilities [member] | The Bank [member] | 2.68229% Dated Subordinated Notes due 2038 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		70
Dated subordinated liabilities [member] | The Bank [member] | 2.0367% Dated Subordinated Notes due 2028 [member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Issued during the year		218
Dated subordinated liabilities [member] | The Bank [member] | Percent 13 Stepup Perpetual Capital Securities Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]
Dated subordinated liabilities [member] | The Bank [member] | Percent 10375 Subordinated Fixed To Fixed Rate Notes 2024 Callable 2019 [Member]
SUBORDINATED LIABILITIES (Details) - Schedule of Movement in Subordinated Liabilities [Line Items]
Repurchases and redemptions during the year	[2]	£ (135)
[1]	The repurchases and redemptions in the year resulted in cash outflows of 762 million (2018: 2,256 million).
[2]	The repurchases and redemptions in 2019 resulted in cash outflows of 184 million.

SHARE CAPITAL (Details)

SHARE CAPITAL (Details)	12 Months Ended
	Dec. 31, 2019
Disclosure of classes of share capital [text block] [Abstract]
Proportion of voting rights held by non-controlling interests	100.00%

SHARE CAPITAL (Details) - Sched

SHARE CAPITAL (Details) - Schedule of Authorised Share Capital € in Millions, ¥ in Millions, £ in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2019GBP (£)	Dec. 31, 2019USD ($)	Dec. 31, 2019EUR (€)	Dec. 31, 2019JPY (¥)	Dec. 31, 2018GBP (£)	Dec. 31, 2018USD ($)	Dec. 31, 2018EUR (€)	Dec. 31, 2018JPY (¥)	Dec. 31, 2017GBP (£)	Dec. 31, 2017USD ($)	Dec. 31, 2017EUR (€)	Dec. 31, 2017JPY (¥)
United Kingdom, Pounds
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital [Line Items]
Authorised share capital	£ 1,694				£ 1,694				£ 1,694
160 million Preference shares of 25 cents each (in Dollars)	1,694				1,694				1,694
160 million Preference shares of 25 cents each (in Euro)	1,694				1,694				1,694
50 million Preference shares of ¥25 each (in Yen)	1,694				1,694				1,694
United Kingdom, Pounds | Ordinary shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital [Line Items]
Authorised share capital	1,650				1,650				1,650
160 million Preference shares of 25 cents each (in Dollars)	1,650				1,650				1,650
160 million Preference shares of 25 cents each (in Euro)	1,650				1,650				1,650
50 million Preference shares of ¥25 each (in Yen)	1,650				1,650				1,650
United Kingdom, Pounds | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital [Line Items]
Authorised share capital	44				44				44
160 million Preference shares of 25 cents each (in Dollars)	44				44				44
160 million Preference shares of 25 cents each (in Euro)	44				44				44
50 million Preference shares of ¥25 each (in Yen)	£ 44				£ 44				£ 44
United States of America, Dollars | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital [Line Items]
Authorised share capital | $		$ 40				$ 40				$ 40
160 million Preference shares of 25 cents each (in Dollars) | $		40				40				40
160 million Preference shares of 25 cents each (in Euro) | $		40				40				40
50 million Preference shares of ¥25 each (in Yen) | $		$ 40				$ 40				$ 40
Euro Member Countries, Euro | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital [Line Items]
Authorised share capital | €			€ 40				€ 40				€ 40
160 million Preference shares of 25 cents each (in Dollars) | €			40				40				40
160 million Preference shares of 25 cents each (in Euro) | €			40				40				40
50 million Preference shares of ¥25 each (in Yen) | €			€ 40				€ 40				€ 40
Japan, Yen | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital [Line Items]
Authorised share capital | ¥				¥ 1,250				¥ 1,250				¥ 1,250
160 million Preference shares of 25 cents each (in Dollars) | ¥				1,250				1,250				1,250
160 million Preference shares of 25 cents each (in Euro) | ¥				1,250				1,250				1,250
50 million Preference shares of ¥25 each (in Yen) | ¥				¥ 1,250				¥ 1,250				¥ 1,250

SHARE CAPITAL (Details) - Sch_2

SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) shares in Millions	Dec. 31, 2019£ / sharesshares	Dec. 31, 2019$ / sharesshares	Dec. 31, 2019€ / sharesshares	Dec. 31, 2019¥ / sharesshares	Dec. 31, 2018£ / sharesshares	Dec. 31, 2018$ / sharesshares	Dec. 31, 2018€ / sharesshares	Dec. 31, 2018¥ / sharesshares	Dec. 31, 2017£ / sharesshares	Dec. 31, 2017$ / sharesshares	Dec. 31, 2017€ / sharesshares	Dec. 31, 2017¥ / sharesshares
United Kingdom, Pounds | Ordinary shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Ordinary shares per share value (in Pounds per share)	£ 1				£ 1				£ 1
Shares outstanding | shares	1,650	1,650	1,650	1,650	1,650	1,650	1,650	1,650	1,650	1,650	1,650	1,650
United Kingdom, Pounds | Cumulative floating rate preference shares [Member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Shares outstanding | shares	1	1	1	1	1	1	1	1	1	1	1	1
Preference shares per share value (in Pounds per share)	£ 1				£ 1				£ 1
Preference shares per share value (in Dollars per share)	1				1				1
Preference shares per share value (in Euro per share)	1				1				1
Preference shares per share value (in Yen per share)	£ 1				£ 1				£ 1
United Kingdom, Pounds | Non-cumulative redeemable preference shares [Member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Shares outstanding | shares	100	100	100	100	100	100	100	100	100	100	100	100
Preference shares per share value (in Pounds per share)	£ 1				£ 1				£ 1
Preference shares per share value (in Dollars per share)	1				1				1
Preference shares per share value (in Euro per share)	1				1				1
Preference shares per share value (in Yen per share)	£ 1				£ 1				£ 1
United Kingdom, Pounds | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Shares outstanding | shares	175	175	175	175	175	175	175	175	175	175	175	175
Preference shares per share value (in Pounds per share)	£ 0.25				£ 0.25				£ 0.25
Preference shares per share value (in Dollars per share)	0.25				0.25				0.25
Preference shares per share value (in Euro per share)	0.25				0.25				0.25
Preference shares per share value (in Yen per share)	£ 0.25				£ 0.25				£ 0.25
United States of America, Dollars | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Shares outstanding | shares	160	160	160	160	160	160	160	160	160	160	160	160
Preference shares per share value (in Pounds per share) | $ / shares		$ 0.25				$ 0.25				$ 0.25
Preference shares per share value (in Dollars per share) | $ / shares		0.25				0.25				0.25
Preference shares per share value (in Euro per share) | $ / shares		0.25				0.25				0.25
Preference shares per share value (in Yen per share) | $ / shares		$ 0.25				$ 0.25				$ 0.25
Euro Member Countries, Euro | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Shares outstanding | shares	160	160	160	160	160	160	160	160	160	160	160	160
Preference shares per share value (in Pounds per share) | € / shares			€ 0.25				€ 0.25				€ 0.25
Preference shares per share value (in Dollars per share) | € / shares			0.25				0.25				0.25
Preference shares per share value (in Euro per share) | € / shares			0.25				0.25				0.25
Preference shares per share value (in Yen per share) | € / shares			€ 0.25				€ 0.25				€ 0.25
Japan, Yen | Preference shares [member]
SHARE CAPITAL (Details) - Schedule of Authorised Share Capital (Parentheticals) [Line Items]
Shares outstanding | shares	50	50	50	50	50	50	50	50	50	50	50	50
Preference shares per share value (in Pounds per share) | ¥ / shares				¥ 25				¥ 25				¥ 25
Preference shares per share value (in Dollars per share) | ¥ / shares				25				25				25
Preference shares per share value (in Euro per share) | ¥ / shares				25				25				25
Preference shares per share value (in Yen per share) | ¥ / shares				¥ 25				¥ 25				¥ 25

SHARE CAPITAL (Details) - Sch_3

SHARE CAPITAL (Details) - Schedule of Issued and Fully Paid Share Capital - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Schedule of Issued and Fully Paid Share Capital [Abstract]
Number of shares outstanding	1,574,285,751	1,574,285,751	1,574,285,751
Beginning and Ending Balance	£ 1,574	£ 1,574	£ 1,574

SHARE PREMIUM ACCOUNT (Details)

SHARE PREMIUM ACCOUNT (Details) - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure For Share Premium Account Explanatory [Abstract]
Redemption of preference shares	[1]			£ 600
[1]	During the year ended 31 December 2017, the Bank redeemed all of its outstanding 6.369% Fixed/Floating Rate Non-Cumulative Preference Shares Callable 2015 which had been accounted for as subordinated liabilities. On redemption an amount of 600 million was transferred from retained profits to the share premium account.

SHARE PREMIUM ACCOUNT (Detail_2

SHARE PREMIUM ACCOUNT (Details) - Schedule of Share Premium Account - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Schedule of Share Premium Account [Abstract]
Beginning Balance		£ 600	£ 600
Redemption of preference shares	[1]			£ 600
Ending Balance		£ 600	£ 600	£ 600
[1]	During the year ended 31 December 2017, the Bank redeemed all of its outstanding 6.369% Fixed/Floating Rate Non-Cumulative Preference Shares Callable 2015 which had been accounted for as subordinated liabilities. On redemption an amount of 600 million was transferred from retained profits to the share premium account.

OTHER RESERVES (Details) - Sche

OTHER RESERVES (Details) - Schedule of Other Reserves - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
The Group [member]
OTHER RESERVES (Details) - Schedule of Other Reserves [Line Items]
Merger reserve	£ 6,348	£ 6,348	£ 6,348	£ 6,348
Cash flow hedging reserve	1,556	1,110	1,573
Foreign currency translation reserve	(116)	(114)	(207)
At 31 December	7,250	6,965	7,706
The Bank [member]
OTHER RESERVES (Details) - Schedule of Other Reserves [Line Items]
Merger reserve
Cash flow hedging reserve	1,607	1,268	1,554
Foreign currency translation reserve		(6)	76
At 31 December	1,710	1,543	2,241
Debt Securities [Member] | The Group [member]
OTHER RESERVES (Details) - Schedule of Other Reserves [Line Items]
Revaluation reserve held at fair value through other comprehensive income	(538)	(379)
Debt Securities [Member] | The Bank [member]
OTHER RESERVES (Details) - Schedule of Other Reserves [Line Items]
Revaluation reserve held at fair value through other comprehensive income	£ 103	£ 281
Financial assets available-for-sale, category [member] | The Group [member]
OTHER RESERVES (Details) - Schedule of Other Reserves [Line Items]
Revaluation reserve held at fair value through other comprehensive income			(8)
Financial assets available-for-sale, category [member] | The Bank [member]
OTHER RESERVES (Details) - Schedule of Other Reserves [Line Items]
Revaluation reserve held at fair value through other comprehensive income			£ 611

OTHER RESERVES (Details) - Sc_2

OTHER RESERVES (Details) - Schedule of Movement in Merger Reserves - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
The Group [member]
OTHER RESERVES (Details) - Schedule of Movement in Merger Reserves [Line Items]
At 1 January and 31 December	£ 6,348	£ 6,348	£ 6,348	£ 6,348
The Bank [member]
OTHER RESERVES (Details) - Schedule of Movement in Merger Reserves [Line Items]
At 1 January and 31 December

OTHER RESERVES (Details) - Sc_3

OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of debt securities - Debt Securities [Member] - Reserve of gains and losses on financial assets measured at fair value through other comprehensive income [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of debt securities [Line Items]
Beginning Balance	£ (379)	£ (195)
Change in fair value	(34)	(31)
Deferred tax	11	31
	(23)
Impairment recognised in the income statement	(1)
Ending Balance	(538)	(379)
The Group [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of debt securities [Line Items]
Income statement transfers in respect of disposals (note 8)	(196)	(268)
Deferred tax	61	84
Net Income statement transfers	(135)	(184)
The Bank [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of debt securities [Line Items]
Beginning Balance	281	483
Change in fair value	(50)	(58)
Deferred tax	13	34
	(37)	(24)
Impairment recognised in the income statement	(1)
Ending Balance	103	281
The Bank [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of debt securities [Line Items]
Income statement transfers in respect of disposals (note 8)	(201)	(258)
Deferred tax	61	80
Net Income statement transfers	£ (140)	£ (178)

OTHER RESERVES (Details) - Sc_4

OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of equity shares - Equity shares [member] - Reserve of gains and losses on financial assets measured at fair value through other comprehensive income [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of equity shares [Line Items]
Beginning Balance		£ (35)
Ending Balance
Change in fair value		(98)
Deferred tax	12	22
	12	(76)
The Bank [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of equity shares [Line Items]
Beginning Balance		(42)
Ending Balance
Change in fair value		(102)
Deferred tax	12
	12	(102)
Retained Earnings [Member] | The Group [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of equity shares [Line Items]
Disposals		132
Deferred tax	(12)	(21)
	(12)	111
Retained Earnings [Member] | The Bank [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of equity shares [Line Items]
Disposals		144
Deferred tax	(12)
	£ (12)	£ 144

OTHER RESERVES (Details) - Sc_5

OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Beginning Balance		£ (8)	£ 92
Change in fair value of available-for-sale financial assets		1
Ending Balance			(8)
Impairment	£ (1)	(14)
The Group [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Disposals			(371)
The Group [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			265
The Group [member] | Other [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Impairment			6
The Bank [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Beginning Balance		£ 611	667
Ending Balance			611
The Bank [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Disposals			(248)
The Bank [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			192
Pre-Tax [member] | The Group [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Disposals			(464)
Pre-Tax [member] | The Group [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			294
Pre-Tax [member] | The Group [member] | Other [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Impairment			6
Pre-Tax [member] | The Bank [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Disposals			(333)
Pre-Tax [member] | The Bank [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			231
Deferred Income Tax Charge [Member] | The Group [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Disposals			93
Deferred Income Tax Charge [Member] | The Group [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			(25)
Deferred Income Tax Charge [Member] | The Bank [member] | Income statement transfers [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Disposals			85
Deferred Income Tax Charge [Member] | The Bank [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			(39)
Current Tax [member] | The Group [member] | Financial assets available-for-sale, category [member]
OTHER RESERVES (Details) - Schedule of revaluation reserve in respect of available-for-sale financial assets [Line Items]
Change in fair value of available-for-sale financial assets			£ (4)

OTHER RESERVES (Details) - Sc_6

OTHER RESERVES (Details) - Schedule of Cash Flow Hedging Reserve - Reserve of cash flow hedges [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
Cash flow hedging reserve
Balance	£ 1,110	£ 1,573	£ 2,224
Change in fair value of hedging derivatives	876	48	(168)
Income statement transfers	(430)	(511)	(483)
Balance	1,556	1,110	1,573
The Bank [member]
Cash flow hedging reserve
Balance	1,268	1,554	1,845
Change in fair value of hedging derivatives	675	183	36
Income statement transfers	(336)	(469)	(327)
Balance	1,607	1,268	1,554
Pre-Tax [member] | The Group [member]
Cash flow hedging reserve
Change in fair value of hedging derivatives	1,166	91	(271)
Income statement transfers	(580)	(691)	(644)
Pre-Tax [member] | The Bank [member]
Cash flow hedging reserve
Change in fair value of hedging derivatives	892	255	15
Income statement transfers	(448)	(628)	(436)
Deferred Income Tax Charge [Member] | The Group [member]
Cash flow hedging reserve
Change in fair value of hedging derivatives	(290)	(43)	103
Income statement transfers	150	180	161
Deferred Income Tax Charge [Member] | The Bank [member]
Cash flow hedging reserve
Change in fair value of hedging derivatives	(217)	(72)	21
Income statement transfers	£ 112	£ 159	£ 109

OTHER RESERVES (Details) - Sc_7

OTHER RESERVES (Details) - Schedule of Foreign Currency Translation Reserve - Reserve of change in value of foreign currency basis spreads [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
Foreign currency translation reserve
At 1 January	£ (114)	£ (207)	£ (180)
Currency translation differences arising in the year	(2)	(15)	(16)
Foreign currency gains on net investment hedges (tax: £nil)			(11)
Transfers to income statement		108
At 31 December	(116)	(114)	(207)
The Bank [member]
Foreign currency translation reserve
At 1 January	(6)	76	81
Currency translation differences arising in the year	£ 6	2	2
Foreign currency gains on net investment hedges (tax: £nil)			(7)
Transfers to income statement		(84)
At 31 December		£ (6)	£ 76

RETAINED PROFITS (Details)

RETAINED PROFITS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retained earnings [member]
RETAINED PROFITS (Details) [Line Items]
Income from continuing involvement in derecognised financial assets			£ 3

RETAINED PROFITS (Details) - Sc

RETAINED PROFITS (Details) - Schedule of Retained Profits - Retained earnings [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
RETAINED PROFITS (Details) - Schedule of Retained Profits [Line Items]
Beginning Balance		£ 27,321	£ 36,749
Profit for the year	[1]	2,796	4,182
Capital transactions with parent
Dividends paid		(4,100)	(11,022)	£ (2,650)
Capital repayments			(2,975)
Capital contributions received		229	265	432
Return of capital contributions		(5)	(9)	(77)
		(3,876)	(13,741)
Distributions on other equity instruments	[1]	(281)	(275)
Realised gains and losses on equity shares held at fair value through other comprehensive income		12	(111)
Redemption of preference shares				(600)
Post-retirement defined benefit scheme remeasurements		(1,117)	120	482
Share of other comprehensive income of associates and joint ventures			8
Gains and losses attributable to own credit risk (net of tax)	[2]	(306)	389
Ending Balance		24,549	27,321	36,749
The Group [member] | Previously stated [member]
RETAINED PROFITS (Details) - Schedule of Retained Profits [Line Items]
Beginning Balance			37,718	36,231
Profit for the year	[1]			4,213
Capital transactions with parent
Dividends paid				(2,650)
Capital contributions received				432
Return of capital contributions				(77)
				(2,295)
Distributions on other equity instruments	[1]			(273)
Redemption of preference shares				(600)
Post-retirement defined benefit scheme remeasurements				482
Gains and losses attributable to own credit risk (net of tax)	[2]			(40)
Ending Balance				37,718
The Group [member] | Increase (decrease) due to changes in accounting policy required by IFRSs [member]
RETAINED PROFITS (Details) - Schedule of Retained Profits [Line Items]
Beginning Balance			(969)
Capital transactions with parent
Ending Balance				(969)
The Bank [member]
RETAINED PROFITS (Details) - Schedule of Retained Profits [Line Items]
Beginning Balance		45,051	52,843
Profit for the year	[1]	2,446	6,141
Capital transactions with parent
Dividends paid		(4,100)	(11,022)	(2,650)
Capital repayments			(2,975)
Capital contributions received		229	265	432
Return of capital contributions		(5)	(9)	(77)
		(3,876)	(13,741)
Distributions on other equity instruments	[1]	(281)	(275)
Realised gains and losses on equity shares held at fair value through other comprehensive income		12	(144)
Redemption of preference shares				(600)
Post-retirement defined benefit scheme remeasurements		(576)	(162)	332
Gains and losses attributable to own credit risk (net of tax)	[2]	(306)	389
Adjustment on vesting of businesses				278
Ending Balance		£ 42,470	45,051	52,843
The Bank [member] | Previously stated [member]
RETAINED PROFITS (Details) - Schedule of Retained Profits [Line Items]
Beginning Balance			53,145	50,390
Profit for the year	[1]			5,353
Capital transactions with parent
Dividends paid				(2,650)
Capital contributions received				432
Return of capital contributions				(77)
				(2,295)
Distributions on other equity instruments	[1]			(273)
Redemption of preference shares				(600)
Post-retirement defined benefit scheme remeasurements				332
Gains and losses attributable to own credit risk (net of tax)	[2]			(40)
Adjustment on vesting of businesses				278
Ending Balance				53,145
The Bank [member] | Increase (decrease) due to changes in accounting policy required by IFRSs [member]
RETAINED PROFITS (Details) - Schedule of Retained Profits [Line Items]
Beginning Balance			£ (302)
Capital transactions with parent
Ending Balance				£ (302)
[1]	Restated, see note 1.
[2]	During 2017 the Group and the Bank derecognised, on redemption, financial liabilities on which cumulative fair value movements relating to own credit of 3 million, net of tax, had been recognised directly in retained profits (2018 and 2019: nil).

RETAINED PROFITS (Details) - In

RETAINED PROFITS (Details) - Income Statement - The Bank [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018	[1]	Dec. 31, 2017	[1]
Condensed Income Statements, Captions [Line Items]
Net interest income	£ 5,684		£ 6,129		£ 5,829
Net fee and commission income	743		839		969
Net trading income	(121)		456		(51)
Dividends received	1,331		4,848		4,378
Other operating income	2,290		1,933		2,346
Other income	4,243		8,076		7,642
Total income	9,927		14,205		13,471
Regulatory provisions	(996)		(939)		(1,123)
Other operating expenses	(5,337)		(5,864)		(6,078)
Total operating expenses	(6,333)		(6,803)		(7,201)
Trading surplus	3,594		7,402		6,270
Impairment	(503)		(504)		(462)
Profit before tax	3,091	[2]	6,898	[2]	5,808
Tax expense	(645)		(757)		(455)
Profit for the year	£ 2,446		£ 6,141		£ 5,353
[1]	Restated, see note 1.
[2]	Group profit before tax in 2018 comprised 4,280 million in respect of continuing operations and 1,380 million in respect of discontinued operations (2017: 5,035 million in respect of continuing operations and 943 million in respect of discontinued operations).

OTHER EQUITY INSTRUMENTS (Detai

OTHER EQUITY INSTRUMENTS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Disclosure Of Other Equity Instruments Explanatory [Abstract]
	£ 4,865	£ 3,217	£ 3,217	£ 3,217
Debt Instrument, Convertible, Terms of Conversion Feature	The securities will be subject to a Permanent Write Down should the fully Loaded Common Equity Tier 1 ratio of the Bank fall below 7.0 per cent.

OTHER EQUITY INSTRUMENTS (Det_2

OTHER EQUITY INSTRUMENTS (Details) - Schedule of Other Equity Instruments £ in Millions, $ in Millions	12 Months Ended
	Dec. 31, 2019GBP (£)	Dec. 31, 2019USD ($)	Dec. 31, 2018GBP (£)	Dec. 31, 2017GBP (£)
OTHER EQUITY INSTRUMENTS (Details) - Schedule of Other Equity Instruments [Line Items]
Beginning Balance	£ 3,217		£ 3,217	£ 3,217
Issued in the year:
Notes Issued	1,648
Ending Balance	4,865		£ 3,217	£ 3,217
£500 million Fixed Rate Reset Additional Tier 1 Perpetual Subordinated Permanent Write-Down Securities [member]
Issued in the year:
Notes Issued	496
US$1,500 million Fixed Rate Reset Additional Tier 1 Perpetual Subordinated Permanent Write-Down Securities [member]
Issued in the year:
Notes Issued	£ 1,152	$ 1,500

OTHER EQUITY INSTRUMENTS (Det_3

OTHER EQUITY INSTRUMENTS (Details) - Schedule of Other Equity Instruments (Parentheticals) - 12 months ended Dec. 31, 2019 £ in Millions, $ in Millions	GBP (£)	USD ($)
£500 million Fixed Rate Reset Additional Tier 1 Perpetual Subordinated Permanent Write-Down Securities [member]
OTHER EQUITY INSTRUMENTS (Details) - Schedule of Other Equity Instruments (Parentheticals) [Line Items]
Notes Issued, Nominal Value	£ 496
US$1,500 million Fixed Rate Reset Additional Tier 1 Perpetual Subordinated Permanent Write-Down Securities [member]
OTHER EQUITY INSTRUMENTS (Details) - Schedule of Other Equity Instruments (Parentheticals) [Line Items]
Notes Issued, Nominal Value	1,152	$ 1,500
Sterling notes, nominal [member] | £500 million Fixed Rate Reset Additional Tier 1 Perpetual Subordinated Permanent Write-Down Securities [member]
OTHER EQUITY INSTRUMENTS (Details) - Schedule of Other Equity Instruments (Parentheticals) [Line Items]
Notes Issued, Nominal Value	£ 500

DIVIDENDS ON ORDINARY SHARES (D

DIVIDENDS ON ORDINARY SHARES (Details) - Schedule of Dividends On Ordinary Shares - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interim dividend [member]
DIVIDENDS ON ORDINARY SHARES (Details) - Schedule of Dividends On Ordinary Shares [Line Items]
Total Dividends Paid	£ 4,100	£ 11,022	£ 2,650

SHARE-BASED PAYMENTS (Details)

SHARE-BASED PAYMENTS (Details)	12 Months Ended
	Dec. 31, 2019GBP (£)£ / shares	Dec. 31, 2018GBP (£)£ / shares	Dec. 31, 2017GBP (£)
SHARE-BASED PAYMENTS (Details) [Line Items]
Charges to income statement in respect of share-based payment schemes	£ 337,000,000	£ 417,000,000	£ 414,000,000
Charges to income statement in respect of share-based payment schemes - discontinued operations		£ 6,000,000	£ 23,000,000
Save-As-You-Earn [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Maximum monthly scheme savings	£ 500
TimePeriodToUseSavings	6 months
Discounted market price of shares	80.00%
Weighted average share price for share options in share-based payment arrangement exercised during period at date of exercise (in Pounds per share) | £ / shares	£ 0.59	£ 0.67
Weighted average remaining contractual life of outstanding share options	2 years 80 days	2 years 58 days
Weighted average fair value at measurement date, share options granted	£ 0.10	£ 0.13
Lloyds Banking Group Executive Share Plan 2003 [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Weighted average share price for share options in share-based payment arrangement exercised during period at date of exercise (in Pounds per share) | £ / shares	£ 0.60	£ 0.65
Weighted average remaining contractual life of outstanding share options	3 years 292 days	5 years 73 days
Weighted average fair value at measurement date, share options granted	£ 0.59	£ 0.55
Lloyds Banking Group Long-Term Incentive Plan [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Weighted average fair value at measurement date, share options granted	0.45	0.48
CFO Buyout [Member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Weighted average fair value at measurement date, share options granted	£ 0.55
Number of share options granted in share-based payment arrangement	4,086,632
Free Share Awards [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Maximum Employer Contribution To Free Shares Scheme	£ 3,600
Employer Contribution To Free Shares Scheme	£ 200	£ 200
Number of other equity instruments granted in share-based payment arrangement	22,422,337	21,513,300
Weighted Average Fair Value At Date Of Award Of Shares Awarded To Employees Under Matching Shares Scheme	£ 0.62	£ 0.67
Matching Shares [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Number of other equity instruments granted in share-based payment arrangement	37,346,812	34,174,161
Weighted Average Fair Value At Date Of Award Of Shares Awarded To Employees Under Matching Shares Scheme	£ 0.56	£ 0.63
Maximum Employer Contribution To Matching Shares Scheme	£ 45
Bottom of range [member] | Save-As-You-Earn [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
ContractTermUnderShareBasedPaymentArrangement	3 years
Fixed Share Awards [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Number of other equity instruments granted in share-based payment arrangement	8,239,332	8,965,562
PercentOfSharesToBeReleasedEachYear	20.00%
2016 [member] | Lloyds Banking Group Long-Term Incentive Plan [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Awards Vesting Rate	68.70%
Performance 2017 [Member] | Lloyds Banking Group Long-Term Incentive Plan [member]
SHARE-BASED PAYMENTS (Details) [Line Items]
Awards Vesting Rate	49.70%

SHARE-BASED PAYMENTS (Details)

SHARE-BASED PAYMENTS (Details) - Schedule of Share Options Outstanding	12 Months Ended
	Dec. 31, 2019GBP (£)£ / shares	Dec. 31, 2018GBP (£)£ / shares
Save-As-You-Earn [member]
SHARE-BASED PAYMENTS (Details) - Schedule of Share Options Outstanding [Line Items]
Number of options outstanding, Start of Period	802,994,918	860,867,088
Weighted Average Exercise Price of options outstanding, Start of Period (in Pounds per share)	£ 0.4930	£ 0.5134
Number of options, Granted	487,654,212	188,866,162
Weighted Average Exercise Price, Granted (in Pounds per share)	£ 0.3987	£ 0.4792
Number of options, Exercised	(27,303,963)	(135,721,404)
Weighted Average Exercise Price, Exercised (in Pounds per share)	£ 0.5123	£ 0.5900
Number of options, Forfeited	(15,830,204)	(22,909,999)
Weighted Average Exercise Price, Forfeited (in Pounds per share)	£ 0.4869	£ 0.4985
Number of options, Cancelled	(130,068,149)	(78,073,042)
Weighted Average Exercise Price, Cancelled (in Pounds) | £	£ 0.4903	£ 0.5066
Number of options, Expired	(49,352,741)	(10,033,887)
Weighted Average Exercise Price, Expired (in Pounds per share)	£ 0.5874	£ 0.5520
Number of options outstanding, End of Period	1,068,094,073	802,994,918
Weighted Average Exercise Price of options outstanding, End of Period (in Pounds per share)	£ 0.4455	£ 0.4930
Number of options exercisable, End of Period	227,139	68,378
Weighted Average Exercise Price of options exercisable, End of Period (in Pounds per share)	£ 0.6070	£ 0.6002
Lloyds Banking Group Executive Share Plan 2003 [member]
SHARE-BASED PAYMENTS (Details) - Schedule of Share Options Outstanding [Line Items]
Number of options outstanding, Start of Period	10,263,028	14,523,989
Weighted Average Exercise Price of options outstanding, Start of Period (in Pounds per share)
Number of options, Granted	2,336,171	3,914,599
Weighted Average Exercise Price, Granted (in Pounds per share)
Number of options, Exercised	(4,455,481)	(6,854,043)
Weighted Average Exercise Price, Exercised (in Pounds per share)
Number of options, Vested	(69,005)	(148,109)
Weighted Average Exercise Price, Vested (in Pounds per share)
Number of options, Forfeited	(39,250)	(662,985)
Weighted Average Exercise Price, Forfeited (in Pounds per share)
Number of options, Expired	(400,825)	(510,423)
Weighted Average Exercise Price, Expired (in Pounds per share)
Number of options outstanding, End of Period	7,634,638	10,263,028
Weighted Average Exercise Price of options outstanding, End of Period (in Pounds per share)
Number of options exercisable, End of Period	2,683,267	3,305,442
Weighted Average Exercise Price of options exercisable, End of Period (in Pounds per share)

SHARE-BASED PAYMENTS (Details_2

SHARE-BASED PAYMENTS (Details) - Schedule of Shares under the Executive Share Ownership Plan - Lloyds Banking Group Executive Share Plan 2006 [Member]	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
SHARE-BASED PAYMENTS (Details) - Schedule of Shares under the Executive Share Ownership Plan [Line Items]
Outstanding at 1 January	417,385,636	370,804,915
Granted	174,490,843	160,586,201
Vested	(88,318,950)	(73,270,301)
Forfeited	(55,029,439)	(48,108,870)
Dividend award	11,376,655	7,373,691
Outstanding at 31 December	459,904,745	417,385,636

SHARE-BASED PAYMENTS (Details_3

SHARE-BASED PAYMENTS (Details) - Schedule of Shares under CFO Buyout - CFO Buyout [Member]	12 Months Ended
	Dec. 31, 2019
SHARE-BASED PAYMENTS (Details) - Schedule of Shares under CFO Buyout [Line Items]
Granted	4,086,632
Exercised	(818,172)
Outstanding at 31 December	3,268,460

SHARE-BASED PAYMENTS (Details_4

SHARE-BASED PAYMENTS (Details) - Schedule of Assumptions Used for Calculating Benefit Plans	12 Months Ended
	Dec. 31, 2019£ / shares
Save-as-you-earn [member]
SHARE-BASED PAYMENTS (Details) - Schedule of Assumptions Used for Calculating Benefit Plans [Line Items]
Weighted average risk-free interest rate	0.36%
Weighted average expected life	3 years 73 days
Weighted average expected volatility	20.00%
Weighted average expected dividend yield	4.00%
Weighted average share price (in Pounds per share)	£ 0.53
Weighted average exercise price (in Pounds per share)	£ 0.40
Executive share plan 2003 [member]
SHARE-BASED PAYMENTS (Details) - Schedule of Assumptions Used for Calculating Benefit Plans [Line Items]
Weighted average risk-free interest rate	0.62%
Weighted average expected life	1 year 109 days
Weighted average expected volatility	23.00%
Weighted average expected dividend yield	4.00%
Weighted average share price (in Pounds per share)	£ 0.62
Weighted average exercise price (in Pounds per share)
LTIP [member]
SHARE-BASED PAYMENTS (Details) - Schedule of Assumptions Used for Calculating Benefit Plans [Line Items]
Weighted average risk-free interest rate	0.83%
Weighted average expected life	3 years 255 days
Weighted average expected volatility	27.00%
Weighted average expected dividend yield	4.00%
Weighted average share price (in Pounds per share)	£ 0.63
Weighted average exercise price (in Pounds per share)
CFO Buyout [Member]
SHARE-BASED PAYMENTS (Details) - Schedule of Assumptions Used for Calculating Benefit Plans [Line Items]
Weighted average risk-free interest rate	0.64%
Weighted average expected life	1 year 146 days
Weighted average expected volatility	19.00%
Weighted average expected dividend yield	4.00%
Weighted average share price (in Pounds per share)	£ 0.58
Weighted average exercise price (in Pounds per share)

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - GBP (£) £ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Borrowings, interest rate	2.25%	2.74%	2.43%
525110 Pension Funds [Member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Deposits from customers	£ 169,000	£ 225,000
Outstanding [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Loans and advances to customers	75,000	57,000
Directors and connected persons [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Wages and salaries	11,700	12,200	£ 14,000
Outstanding commitments made by entity, related party transactions	600	500	10
Key management personnel of entity or parent [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Payment for Pension Benefits			50
Provisions	£ 0
Interest rate on deposits	3.00%	3.50%	4.00%
Key management personnel of entity or parent [member] | Bottom of range [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Borrowings, interest rate	6.45%	6.70%	6.45%
Key management personnel of entity or parent [member] | Top of range [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Borrowings, interest rate	24.20%	24.20%	23.95%
Highest paid director [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Wages and salaries	£ 4,078,000,000	£ 5,472,000,000	£ 6,469,000,000
The Bank [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Deposits from customers	239,762,000	229,402,000
Loans and advances to customers	177,569,000	172,315,000
The Group [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Deposits from customers	396,839,000	391,251,000
Loans and advances to customers	474,470,000	464,044,000
Joint Ventures And Associates [Member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Balances on term deposits from customers	5,000	2,000
Sale of wealth management business to fellow subsidiary [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Business Combination, Separately Recognized Transactions, Revenues and Gains Recognized	107,000
Onerous contracts provision	70,000
Balances and transactions between members of the Lloyds Bank Group [member] | The Bank [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Interest income on other financial assets	2,491,000	2,305,000	2,002,000
Interest expense on other financial liabilities	655,000	545,000	649,000
Recharges on subsidiaries	1,461,000	1,315,000	1,287,000
Fees received from subsidiaries	62,000	146,000	147,000
Fees paid to subsidiaries	57,000	151,000	116,000
Balances and transactions with Lloyds Banking Group plc and fellow subsidiaries of the Bank [member] | The Bank [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Interest income on other financial assets	20,000	142,000	20,000
Interest expense on other financial liabilities	509,000	334,000	207,000
Balances and transactions with Lloyds Banking Group plc and fellow subsidiaries of the Bank [member] | The Group [member]
RELATED PARTY TRANSACTIONS (Details) [Line Items]
Interest income on other financial assets	20,000	166,000	62,000
Interest expense on other financial liabilities	£ 520,000	£ 370,000	£ 255,000

RELATED PARTY TRANSACTIONS (D_2

RELATED PARTY TRANSACTIONS (Details) - Schedule of Compensation of Key Management Personnel - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Compensation
Salaries and other short-term benefits	£ 14	£ 13	£ 13
Share-based payments	14	17	22
Total compensation	£ 28	£ 30	£ 35

RELATED PARTY TRANSACTIONS (D_3

RELATED PARTY TRANSACTIONS (Details) - Disclosure of aggregate contributions in respect of key management personnel to defined contribution pension schemes - Key management personnel of entity or parent [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share option plans [member]
RELATED PARTY TRANSACTIONS (Details) - Disclosure of aggregate contributions in respect of key management personnel to defined contribution pension schemes [Line Items]
Beginning Balance		£ 1	£ 3
Exercised/lapsed (includes entitlements of former key management personnel)		(1)	(2)
Ending Balance			1
Share plans [member]
RELATED PARTY TRANSACTIONS (Details) - Disclosure of aggregate contributions in respect of key management personnel to defined contribution pension schemes [Line Items]
Beginning Balance	£ 84	82	65
Granted, including certain adjustments (includes entitlements of appointed key management personnel)	46	39	37
Exercised/lapsed (includes entitlements of former key management personnel)	(29)	(37)	(20)
Ending Balance	£ 101	£ 84	£ 82

RELATED PARTY TRANSACTIONS (D_4

RELATED PARTY TRANSACTIONS (Details) - Schedule of Loan Balances Outstanding - Key management personnel of entity or parent [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans
Beginning Balance	£ 2	£ 2	£ 4
Advanced (includes loans of appointed key management personnel)	1	1	1
Repayments (includes loans of former key management personnel)	(1)	(1)	(3)
Ending Balance	£ 2	£ 2	£ 2

RELATED PARTY TRANSACTIONS (D_5

RELATED PARTY TRANSACTIONS (Details) - Schedule of Deposits - Key management personnel of entity or parent [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Deposits
Deposits	£ 20	£ 20	£ 12
Placed (includes deposits of appointed key management personnel)	44	33	41
Withdrawn (includes deposits of former key management personnel)	(41)	(33)	(33)
Deposits	£ 23	£ 20	£ 20

RELATED PARTY TRANSACTIONS (D_6

RELATED PARTY TRANSACTIONS (Details) - Disclosure of balances and transactions between members of the Lloyds Bank Group - Balances and transactions between members of the Lloyds Bank Group [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Assets, included within:
Derivative financial instruments	£ 8,546	£ 7,385
Financial assets at fair value through profit or loss		8
Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings	200,696	152,592
	209,242	159,985
Liabilities, included within:
Due to fellow Lloyds Banking Group undertakings	105,075	71,696
Financial liabilities at fair value through profit or loss	43	142
Derivative financial instruments	7,102	6,335
Debt securities in issue		124
Subordinated liabilities		58
	£ 112,220	£ 78,355

RELATED PARTY TRANSACTIONS (D_7

RELATED PARTY TRANSACTIONS (Details) - Balances and transactions with Lloyds Banking Group plc and fellow subsidiaries of the Bank - Balances and transactions with Lloyds Banking Group plc and fellow subsidiaries of the Bank [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Assets, included within:
Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings	£ 1,854	£ 1,878
Financial assets at fair value through profit or loss		1,062
Derivative financial instruments	591	2,589
	2,445	5,529
Liabilities, included within:
Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings	4,893	19,663
Financial assets at fair value through profit or loss	1	137
Derivative financial instruments	1,986	2,693
Debt securities in issue	11,181	193
Subordinated liabilities	3,663	2,985
	21,724	25,671
The Bank [member]
Assets, included within:
Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings	1,581	993
Financial assets at fair value through profit or loss		1,062
Derivative financial instruments	591	2,558
	2,172	4,613
Liabilities, included within:
Financial assets at amortised cost: due from fellow Lloyds Banking Group undertakings	4,696	16,687
Financial assets at fair value through profit or loss	1	137
Derivative financial instruments	1,547	2,184
Debt securities in issue	11,136	7
Subordinated liabilities	3,641	2,900
	£ 21,021	£ 21,915

CONTINGENT LIABILITIES AND CO_3

CONTINGENT LIABILITIES AND COMMITMENTS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2014
The Group [member]
CONTINGENT LIABILITIES AND COMMITMENTS (Details) [Line Items]
Payments in respect of settlements, reimbursement rights			£ 217
Gross loan commitments	£ 116,434	£ 118,514
Capital commitments	405	370
Amounts Related To Assets To Be Leased Under Operating Leases Signage	400	369
The Group [member] | Irrevocable Loan Commitments [member]
CONTINGENT LIABILITIES AND COMMITMENTS (Details) [Line Items]
Gross loan commitments	46,629	48,455
The Bank [member]
CONTINGENT LIABILITIES AND COMMITMENTS (Details) [Line Items]
Gross loan commitments	52,549	57,897
Capital commitments	2	1
The Bank [member] | Irrevocable Loan Commitments [member]
CONTINGENT LIABILITIES AND COMMITMENTS (Details) [Line Items]
Gross loan commitments	27,672	£ 30,420
Legal proceedings contingent liability [member] | The Group [member]
CONTINGENT LIABILITIES AND COMMITMENTS (Details) [Line Items]
Increase (Decrease) In Current Tax Liability	700
Increase (decrease) in deferred tax liability (asset)	£ (250)

CONTINGENT LIABILITIES AND CO_4

CONTINGENT LIABILITIES AND COMMITMENTS (Details) - Schedule of Contingent Liabilities - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Contingent liabilities
Contingent liabilities	£ 2,570	£ 2,787
The Bank [member]
Contingent liabilities
Contingent liabilities	2,289	2,492
Acceptances and endorsements [member] | The Group [member]
Contingent liabilities
Contingent liabilities	17	32
Acceptances and endorsements [member] | The Bank [member]
Contingent liabilities
Contingent liabilities	16	31
Other items serving as direct credit subsitutes [member] | The Group [member]
Contingent liabilities
Contingent liabilities	279	485
Other items serving as direct credit subsitutes [member] | The Bank [member]
Contingent liabilities
Contingent liabilities	259	449
Performance bonds and other transaction-related contingencies [member] | The Group [member]
Contingent liabilities
Contingent liabilities	2,274	2,270
Performance bonds and other transaction-related contingencies [member] | The Bank [member]
Contingent liabilities
Contingent liabilities	2,014	2,012
Other contingent liabilities [member] | The Group [member]
Contingent liabilities
Contingent liabilities	2,553	2,755
Other contingent liabilities [member] | The Bank [member]
Contingent liabilities
Contingent liabilities	2,273	£ 2,461
Incurred on behalf of fellow Lloyds Banking Group undertakings [member] | The Bank [member]
Contingent liabilities
Contingent liabilities	£ 1

CONTINGENT LIABILITIES AND CO_5

CONTINGENT LIABILITIES AND COMMITMENTS (Details) - Schedule of Commitments - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Commitments and guarantees
Commitments	£ 116,434	£ 118,514
The Group [member] | Not later than one year [member]
Commitments and guarantees
Commitments	90,958	90,091
The Group [member] | Later than one year [member]
Commitments and guarantees
Commitments	25,310	28,214
The Bank [member]
Commitments and guarantees
Commitments	52,549	57,897
The Bank [member] | Not later than one year [member]
Commitments and guarantees
Commitments	30,732	33,291
The Bank [member] | Later than one year [member]
Commitments and guarantees
Commitments	21,664	24,444
Documentary credits and other short-term trade-related transactions [member] | The Group [member]
Commitments and guarantees
Commitments		1
Forward asset purchases and forward deposits placed [member] | The Group [member]
Commitments and guarantees
Commitments	171	731
Forward asset purchases and forward deposits placed [member] | The Bank [member]
Commitments and guarantees
Commitments	157	684
Mortgages [member] | The Group [member] | Not later than one year [member]
Commitments and guarantees
Commitments	12,647	11,573
Mortgages [member] | The Bank [member] | Not later than one year [member]
Commitments and guarantees
Commitments	1,120	1,514
Other commitments [member] | The Group [member] | Not later than one year [member]
Commitments and guarantees
Commitments	78,306	77,995
Other commitments [member] | The Bank [member] | Not later than one year [member]
Commitments and guarantees
Commitments	29,608	31,255
Undrawn commitments [member] | The Group [member] | Not later than one year [member]
Commitments and guarantees
Commitments	90,953	89,568
Undrawn commitments [member] | The Bank [member] | Not later than one year [member]
Commitments and guarantees
Commitments	30,728	32,769
Incurred on behalf of fellow Lloyds Banking Group undertakings [member] | The Bank [member]
Commitments and guarantees
Commitments	£ 4,647	£ 5,452

STRUCTURED ENTITIES (Details)

STRUCTURED ENTITIES (Details) - Cancara [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
STRUCTURED ENTITIES (Details) [Line Items]
Financial assets pledged as collateral for liabilities or contingent liabilities	£ 3,735	£ 5,122
Loans and advances to customers	3,670	5,012
Asset-backed debt instruments held	£ 65	£ 110

FINANCIAL INSTRUMENTS (Details)

FINANCIAL INSTRUMENTS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Financial assets, at fair value	£ 35,395	£ 58,917
Financial liabilities, at fair value	17,533	28,641
Adjustments for gains (losses) on change in fair value of derivatives	20	21
The Group [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Financial liabilities, at fair value	7,531	7,085
Gains (losses) recognised in other comprehensive income on financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently	419	533
Derivative financial assets, carried at fair value	8,494	11,293
Derivative financial liabilities carried at fair value	9,831	10,911
The Bank [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Financial assets, at fair value	36,501	59,482
Financial liabilities, at fair value	21,908	32,265
The Bank [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Derivative financial assets, carried at fair value	13,638	15,431
Derivative financial liabilities carried at fair value	14,211	14,546
Excluding Derivatives [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Financial assets, at fair value	26,901	47,624
Financial liabilities, at fair value	£ 7,702	£ 17,730
CVA [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Description of sensitivity of fair value measurement to changes in unobservable inputs, assets	The combination of a one notch deterioration in the credit rating of derivative counterparties and a ten per cent increase in LGD increases the CVA by £32 million.
Increase (decrease) in loss given default	10.00%
Increase decrease In Valuation Adjustment	£ 32
DVA [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Description of sensitivity of fair value measurement to changes in unobservable inputs, assets	A one per cent rise in the CDS spread would lead to an increase in the DVA of £14 million to £19 million.
Increase (decrease) in credit default swap	1.00%
DVA [member] | Bottom of range [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Increase decrease In Valuation Adjustment	£ 14
DVA [member] | Top of range [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Increase decrease In Valuation Adjustment	£ 19
Valuation adjustment [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Description of sensitivity of fair value measurement to changes in unobservable inputs, assets	A one per cent rise in interest rates would lead to a £52 million fall in the overall valuation adjustment to £84 million.
Debt Instrument, Interest Rate, Increase (Decrease)	1.00%
Valuation adjustment [member] | Bottom of range [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Increase decrease In Valuation Adjustment	£ (52)
Valuation adjustment [member] | Top of range [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Increase decrease In Valuation Adjustment	£ 84
Funding Valuation Adjustment [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Description of sensitivity of fair value measurement to changes in unobservable inputs, assets	A ten basis points increase in the cost of funds will increase the funding valuation adjustment by approximately £11 million.
Increase decrease In Valuation Adjustment	£ 11
Increase (decrease) in cost of funds	0.10%
Residential Mortgage Backed Securities [Member] | The Group [member] | Bottom of range [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Debt Instrument, Term	2 years
Residential Mortgage Backed Securities [Member] | The Group [member] | Top of range [member]
FINANCIAL INSTRUMENTS (Details) [Line Items]
Debt Instrument, Term	5 years

FINANCIAL INSTRUMENTS (Detail_2

FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites - GBP (£) £ in Millions	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Cash and balances at central banks	£ 38,880		£ 40,213
Items in the course of collection from banks	292		645
Financial assets at fair value through profit or loss	2,284		23,256
Derivative financial instruments	8,494	[1]	11,293	[2]
Loans and advances to banks	4,852		3,692
Loans and advances to customers	474,470		464,044
Debt securities	5,325		5,095
Due from fellow Lloyds Banking Group undertakings	1,854		1,878
Financial assets at amortised cost	486,501		474,709
Financial assets at fair value through other comprehensive income	24,617		24,368
Total financial assets	561,068		574,484
Deposits from banks	23,593		26,263
Customer deposits	396,839		391,251
Due to fellow Lloyds Banking Group undertakings	4,893		19,663
Items in course of transmission to banks	354		615
Financial liabilities at fair value through profit or loss	7,702		17,730
Derivative financial instruments	9,831		10,911
Notes in circulation	1,079		1,104
Debt securities in issue	76,431		64,533
Other liabilities	1,755
Subordinated liabilities	12,586		12,745		£ 14,782
Total financial liabilities	535,063		544,815
The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Cash and balances at central banks	35,741		37,632
Items in the course of collection from banks	252		464
Financial assets at fair value through profit or loss	703		20,843
Derivative financial instruments	13,638		15,431
Loans and advances to banks	4,453		3,153
Loans and advances to customers	177,569		172,315
Debt securities	5,241		4,960
Due from fellow Lloyds Banking Group undertakings	202,277		153,585
Financial assets at amortised cost	389,540		334,013
Financial assets at fair value through other comprehensive income	22,160		23,208
Total financial assets	462,034		431,591
Deposits from banks	7,122		5,320
Customer deposits	239,762		229,402
Due to fellow Lloyds Banking Group undertakings	109,771		88,383
Items in course of transmission to banks	198		341
Financial liabilities at fair value through profit or loss	7,697		17,719
Derivative financial instruments	14,211		14,546
Debt securities in issue	61,509		49,787
Other liabilities	975
Subordinated liabilities	9,909		9,528		£ 9,341
Total financial liabilities	451,154		415,026
Held at amortised cost [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Cash and balances at central banks	38,880		40,213
Items in the course of collection from banks	292		645
Loans and advances to banks	4,852		3,692
Loans and advances to customers	474,470		464,044
Debt securities	5,325		5,095
Due from fellow Lloyds Banking Group undertakings	1,854		1,878
Financial assets at amortised cost	486,501		474,709
Total financial assets	525,673		515,567
Deposits from banks	23,593		26,263
Customer deposits	396,839		391,251
Due to fellow Lloyds Banking Group undertakings	4,893		19,663
Items in course of transmission to banks	354		615
Notes in circulation	1,079		1,104
Debt securities in issue	76,431		64,533
Other liabilities	1,755
Subordinated liabilities	12,586		12,745
Total financial liabilities	517,530		516,174
Held at amortised cost [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Cash and balances at central banks	35,741		37,632
Items in the course of collection from banks	252		464
Loans and advances to banks	4,453		3,153
Loans and advances to customers	177,569		172,315
Debt securities	5,241		4,960
Due from fellow Lloyds Banking Group undertakings	202,277		153,585
Financial assets at amortised cost	389,540		334,013
Total financial assets	425,533		372,109
Deposits from banks	7,122		5,320
Customer deposits	239,762		229,402
Due to fellow Lloyds Banking Group undertakings	109,771		88,383
Items in course of transmission to banks	198		341
Debt securities in issue	61,509		49,787
Other liabilities	975
Subordinated liabilities	9,909		9,528
Total financial liabilities	429,246		382,761
Held for trading at fair value through profit or loss [member] | Mandatorily held at fair value through profit or loss [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial assets at fair value through profit or loss	290		19,462
Derivative financial instruments	7,377		9,810
Total financial assets	7,667		29,272
Financial liabilities at fair value through profit or loss	171		10,543
Derivative financial instruments	8,802		9,804
Total financial liabilities	8,973		20,347
Held for trading at fair value through profit or loss [member] | Mandatorily held at fair value through profit or loss [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial assets at fair value through profit or loss	290		19,420
Derivative financial instruments	13,431		14,999
Total financial assets	13,721		34,419
Financial liabilities at fair value through profit or loss	213		10,687
Derivative financial instruments	13,944		13,231
Total financial liabilities	14,157		23,918
Other [member] | Mandatorily held at fair value through profit or loss [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial assets at fair value through profit or loss	1,994		3,794
Total financial assets	1,994		3,794
Other [member] | Mandatorily held at fair value through profit or loss [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial assets at fair value through profit or loss	413		1,423
Total financial assets	413		1,423
Derivatives designated as hedging instruments [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Derivative financial instruments	1,117		1,483
Total financial assets	1,117		1,483
Derivative financial instruments	1,029		1,107
Total financial liabilities	1,029		1,107
Derivatives designated as hedging instruments [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Derivative financial instruments	207		432
Total financial assets	207		432
Derivative financial instruments	267		1,315
Total financial liabilities	267		1,315
At fair value through other comprehensive income [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial assets at fair value through other comprehensive income	24,617		24,368
Total financial assets	24,617		24,368
At fair value through other comprehensive income [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial assets at fair value through other comprehensive income	22,160		23,208
Total financial assets	22,160		23,208
Designated at fair value through profit or loss [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial liabilities at fair value through profit or loss	7,531		7,187
Total financial liabilities	7,531		7,187
Designated at fair value through profit or loss [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets and Liabilites [Line Items]
Financial liabilities at fair value through profit or loss	7,484		7,032
Total financial liabilities	£ 7,484		£ 7,032
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).

FINANCIAL INSTRUMENTS (Detail_3

FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives - Financial Assets, Excluding Derivatives [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	£ 26,901	£ 47,624
The Group [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives [Line Items]
Loans and advances to customers	1,782	20,011
Loans and advances to banks		236
Debt securities:
Government securities	290	2,293
Corporate and other debt securities	47	540
	337	2,853
Equity shares	165	156
Total financial assets at fair value through profit or loss	2,284	23,256
Debt securities:
Asset-backed securities		20
The Group [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
Government securities	13,082	18,971
Corporate and other debt securities	11,036	5,119
	24,178	24,147
Debt securities:
Asset-backed securities	60	57
Debt securities:
Treasury and other bills	439	221
Financial assets at fair value through other comprehensive income	24,617	24,368
The Bank [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	22,863	44,051
The Bank [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives [Line Items]
Loans and advances to customers	362	17,790
Loans and advances to banks		236
Debt securities:
Government securities	290	2,293
Corporate and other debt securities	47	518
	337	2,811
Equity shares	4	6
Total financial assets at fair value through profit or loss	703	20,843
The Bank [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
Government securities	12,938	18,831
Corporate and other debt securities	8,783	4,151
	21,721	22,987
Debt securities:
Asset-backed securities		5
Debt securities:
Treasury and other bills	439	221
Financial assets at fair value through other comprehensive income	22,160	23,208
Level 3 of fair value hierarchy [member] | The Group [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	1,889	2,774
Level 3 of fair value hierarchy [member] | The Group [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives [Line Items]
Loans and advances to customers	1,782	2,721
Debt securities:
Corporate and other debt securities	47
	47
Total financial assets at fair value through profit or loss	1,829	2,721
Level 3 of fair value hierarchy [member] | The Group [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
	60	53
Debt securities:
Asset-backed securities	60	53
Debt securities:
Financial assets at fair value through other comprehensive income	60	53
Level 3 of fair value hierarchy [member] | The Bank [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	409	890
Level 3 of fair value hierarchy [member] | The Bank [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives [Line Items]
Loans and advances to customers	362	890
Debt securities:
Corporate and other debt securities	47
	47
Total financial assets at fair value through profit or loss	409	890
Level 1 of fair value hierarchy [member] | The Group [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	13,734	21,511
Level 1 of fair value hierarchy [member] | The Group [member] | Financial assets at fair value through profit or loss, category [member]
Debt securities:
Government securities	290	2,293
	290	2,293
Equity shares	161	150
Total financial assets at fair value through profit or loss	451	2,443
Level 1 of fair value hierarchy [member] | The Group [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
Government securities	12,844	18,847
	12,844	18,847
Debt securities:
Treasury and other bills	439	221
Financial assets at fair value through other comprehensive income	13,283	19,068
Level 1 of fair value hierarchy [member] | The Bank [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	13,429	21,221
Level 1 of fair value hierarchy [member] | The Bank [member] | Financial assets at fair value through profit or loss, category [member]
Debt securities:
Government securities	290	2,293
	290	2,293
Total financial assets at fair value through profit or loss	290	2,293
Level 1 of fair value hierarchy [member] | The Bank [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
Government securities	12,700	18,707
	12,700	18,707
Debt securities:
Treasury and other bills	439	221
Financial assets at fair value through other comprehensive income	13,139	18,928
Level 2 of fair value hierarchy [member] | The Group [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	11,278	23,339
Level 2 of fair value hierarchy [member] | The Group [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives [Line Items]
Loans and advances to customers		17,290
Loans and advances to banks		236
Debt securities:
Corporate and other debt securities		540
		560
Equity shares	4	6
Total financial assets at fair value through profit or loss	4	18,092
Debt securities:
Asset-backed securities		20
Level 2 of fair value hierarchy [member] | The Group [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
Government securities	238	124
Corporate and other debt securities	11,036	5,119
	11,274	5,247
Debt securities:
Asset-backed securities		4
Debt securities:
Financial assets at fair value through other comprehensive income	11,274	5,247
Level 2 of fair value hierarchy [member] | The Bank [member]
Debt securities:
Total financial assets carried at fair value, excluding derivatives	9,025	21,940
Level 2 of fair value hierarchy [member] | The Bank [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Assets Excluding Derivatives [Line Items]
Loans and advances to customers		16,900
Loans and advances to banks		236
Debt securities:
Corporate and other debt securities		518
		518
Equity shares	4	6
Total financial assets at fair value through profit or loss	4	17,660
Level 2 of fair value hierarchy [member] | The Bank [member] | Financial assets at fair value through other comprehensive income, category [member]
Debt securities:
Government securities	238	124
Corporate and other debt securities	8,783	4,151
	9,021	4,280
Debt securities:
Asset-backed securities		5
Debt securities:
Financial assets at fair value through other comprehensive income	£ 9,021	£ 4,280

FINANCIAL INSTRUMENTS (Detail_4

FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio - Level 3 of fair value hierarchy [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January	£ 2,721	£ 3,328
Exchange and other adjustments	(74)	82
Gains recognised in the income statement within other income	4	72
Purchases	686	1,002
Sales	(1,956)	(2,060)
Transfers into the level 3 portfolio	448	297
At 31 December	1,829	2,721
Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December	(76)
The Group [member] | Financial assets at fair value through other comprehensive income, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January	53	302
Exchange and other adjustments	(3)	(2)
(Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income	11	(5)
Purchases		2
Sales	(1)	(305)
Transfers into the level 3 portfolio		345
Transfers out of the level 3 portfolio		(284)
At 31 December	60	53
The Group [member] | Financial Assets, Excluding Derivatives [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January	2,774	3,630
Exchange and other adjustments	(77)	80
Gains recognised in the income statement within other income	4	72
(Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income	11	(5)
Purchases	686	1,004
Sales	(1,957)	(2,365)
Transfers into the level 3 portfolio	448	642
Transfers out of the level 3 portfolio		(284)
At 31 December	1,889	2,774
Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December	(76)
Discontinued operations [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January		8,501
Exchange and other adjustments		(17)
Gains recognised in the income statement within other income		27
Purchases		97
Sales		(270)
Transfers into the level 3 portfolio		230
Transfers out of the level 3 portfolio		(168)
Disposal of business		(8,400)
At 31 December
The Bank [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January	890	1,659
Exchange and other adjustments	(28)	79
Gains recognised in the income statement within other income		67
Purchases	101	247
Sales	(603)	(1,355)
Transfers into the level 3 portfolio	49	193
At 31 December	409	890
Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December	(28)
The Bank [member] | Financial assets at fair value through other comprehensive income, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January		202
Exchange and other adjustments
(Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income		1
Sales		(9)
Transfers out of the level 3 portfolio		(194)
At 31 December
The Bank [member] | Financial Assets, Excluding Derivatives [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Portfolio [Line Items]
At 1 January	890	1,861
Exchange and other adjustments	(28)	79
Gains recognised in the income statement within other income		67
(Losses) gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income		1
Purchases	101	247
Sales	(603)	(1,364)
Transfers into the level 3 portfolio	49	193
Transfers out of the level 3 portfolio		(194)
At 31 December	409	£ 890
Gains recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December	£ (28)

FINANCIAL INSTRUMENTS (Detail_5

FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Financial liabilities at fair value through profit or loss	£ 7,531
Total financial liabilities carried at fair value, excluding derivatives	7,702	£ 17,730
Liabilities designated at fair value through profit or loss		7,085
Trading Liabilities	171	10,645
The Group [member] | Deposits [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	98	270
The Group [member] | Short [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	73	117
The Group [member] | Securities Sold under Agreements to Repurchase [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities		10,258
The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Financial liabilities at fair value through profit or loss	7,484
Total financial liabilities carried at fair value, excluding derivatives	7,697	17,719
Liabilities designated at fair value through profit or loss		7,032
Trading Liabilities	213	10,687
The Bank [member] | Deposits [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	140	362
The Bank [member] | Short [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	73	67
The Bank [member] | Securities Sold under Agreements to Repurchase [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities		10,258
Level 2 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Financial liabilities at fair value through profit or loss	7,484
Total financial liabilities carried at fair value, excluding derivatives	7,582	17,663
Liabilities designated at fair value through profit or loss		7,085
Trading Liabilities	98	10,578
Level 2 of fair value hierarchy [member] | The Group [member] | Deposits [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	98	270
Level 2 of fair value hierarchy [member] | The Group [member] | Short [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities		50
Level 2 of fair value hierarchy [member] | The Group [member] | Securities Sold under Agreements to Repurchase [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities		10,258
Level 2 of fair value hierarchy [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Financial liabilities at fair value through profit or loss	7,484
Total financial liabilities carried at fair value, excluding derivatives	7,624	17,652
Liabilities designated at fair value through profit or loss		7,032
Trading Liabilities	140	10,620
Level 2 of fair value hierarchy [member] | The Bank [member] | Deposits [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	140	362
Level 2 of fair value hierarchy [member] | The Bank [member] | Securities Sold under Agreements to Repurchase [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities		10,258
Level 3 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Financial liabilities at fair value through profit or loss	47
Total financial liabilities carried at fair value, excluding derivatives	47
Level 1 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Total financial liabilities carried at fair value, excluding derivatives	73	67
Trading Liabilities	73	67
Level 1 of fair value hierarchy [member] | The Group [member] | Short [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	73	67
Level 1 of fair value hierarchy [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Total financial liabilities carried at fair value, excluding derivatives	73	67
Trading Liabilities	73	67
Level 1 of fair value hierarchy [member] | The Bank [member] | Short [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Financial Liabilities Excluding Derivatives [Line Items]
Trading Liabilities	£ 73	£ 67

FINANCIAL INSTRUMENTS (Detail_6

FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Financial Liabilities Excluding Derivatives - Level 3 of fair value hierarchy [member] - The Group [member] £ in Millions	12 Months Ended
	Dec. 31, 2019GBP (£)
FINANCIAL INSTRUMENTS (Details) - Schedule of Movements in Level 3 Financial Liabilities Excluding Derivatives [Line Items]
At 1 January
Losses recognised in the income statement within other income	1
Redemptions	(5)
Transfers into the level 3 portfolio	51
Transfers out of the level 3 portfolio
At 31 December	£ 47

FINANCIAL INSTRUMENTS (Detail_7

FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives - GBP (£) £ in Millions	Dec. 31, 2019		Dec. 31, 2018
The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives [Line Items]
Derivative assets	£ 8,494	[1]	£ 11,293	[2]
Derivative liabilities	(9,831)		(10,911)
The Group [member] | Fair Value, Inputs, Level 2 [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives [Line Items]
Derivative assets	8,494		11,288
Derivative liabilities	(9,534)		(10,903)
The Group [member] | Fair Value, Inputs, Level 3 [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives [Line Items]
Derivative assets			5
Derivative liabilities	(297)		(8)
The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives [Line Items]
Derivative assets	13,638		15,431
Derivative liabilities	(14,211)		(14,546)
The Bank [member] | Fair Value, Inputs, Level 2 [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives [Line Items]
Derivative assets	13,638		15,426
Derivative liabilities	£ (14,211)		(14,538)
The Bank [member] | Fair Value, Inputs, Level 3 [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Derivatives [Line Items]
Derivative assets			5
Derivative liabilities			£ (8)
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).

FINANCIAL INSTRUMENTS (Detail_8

FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities - Level 3 of fair value hierarchy [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative assets [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Beginning Balance	£ 5	£ 1,056
Exchange and other adjustments		7
Losses (gains) recognised in the income statement within other income		(84)
(Sales) redemptions		(974)
Transfers out of the level 3 portfolio	(5)
Ending Balance		5
Derivative assets [member] | The Group [member] | Change In Fair Value Of Assets Or Liabilities [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Losses (gains) recognised in the income statement within other income		(424)
Derivative assets [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Beginning Balance	5	636
Exchange and other adjustments		3
Losses (gains) recognised in the income statement within other income		(70)
(Sales) redemptions		(564)
Transfers out of the level 3 portfolio	(5)
Ending Balance		5
Derivative assets [member] | The Bank [member] | Change In Fair Value Of Assets Or Liabilities [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Losses (gains) recognised in the income statement within other income		(402)
Derivative liabilities [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Beginning Balance	(8)	(804)
Exchange and other adjustments		(5)
Losses (gains) recognised in the income statement within other income		49
(Sales) redemptions	47	752
Transfers into the level 3 portfolio	(344)
	8
Ending Balance	(297)	(8)
Derivative liabilities [member] | The Group [member] | Change In Fair Value Of Assets Or Liabilities [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Losses (gains) recognised in the income statement within other income		82
Derivative liabilities [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Beginning Balance	(8)	(750)
Exchange and other adjustments		(4)
Losses (gains) recognised in the income statement within other income		43
(Sales) redemptions		703
	£ 8
Ending Balance		(8)
Derivative liabilities [member] | The Bank [member] | Change In Fair Value Of Assets Or Liabilities [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Level 3 Derivative Assets and Liabilities [Line Items]
Losses (gains) recognised in the income statement within other income		£ 57

FINANCIAL INSTRUMENTS (Detail_9

FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustment Movements - The Group [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustment Movements [Line Items]
Beginning Balance	£ 272	£ 521
Income statement charge (credit)	(56)	(243)
Transfers	(2)	(6)
Ending Balance	£ 214	£ 272

FINANCIAL INSTRUMENTS (Detai_10

FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustments - The Group [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustments [Line Items]
Valuation Adjustment	£ 214	£ 272	£ 521
Credit Valuation Adjustment [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustments [Line Items]
Valuation Adjustment	141	192
Debit Valuation Adjustment [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustments [Line Items]
Valuation Adjustment	(5)	(16)
Funding Valuation Adjustment [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Adjustments [Line Items]
Valuation Adjustment	£ 78	£ 96

FINANCIAL INSTRUMENTS (Detai_11

FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations - GBP (£) £ in Millions		Dec. 31, 2019		Dec. 31, 2018
Derivative liabilities [member] | HPI (+/- 5%) [member] | Favourable changes [member] | Market values – property valuation [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives	[1]	£ 17
Derivative liabilities [member] | HPI (+/- 5%) [member] | Unfavourable changes [member] | Market values – property valuation [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives	[1]	(17)
Financial assets at fair value through profit or loss, category [member] | Inferred spreads (bps) (97 bps/103 bps) [member] | Favourable changes [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Loans and advances to customers		36	[1]	£ 35
Financial assets at fair value through profit or loss, category [member] | Inferred spreads (bps) (97 bps/103 bps) [member] | Unfavourable changes [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Loans and advances to customers		(39)	[1]	(35)
Financial assets at fair value through profit or loss, category [member] | Credit spreads (+/- 3%) [member] | Unfavourable changes [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Debt securities	[1]
Derivative assets [member] | Favourable changes [member] | Option pricing model [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives	[1]
Derivative assets [member] | Unfavourable changes [member] | Option pricing model [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives	[1]
Level 3 of fair value hierarchy [member] | Financial assets at fair value through profit or loss, category [member] | Interest rate spreads (+/- 50bps) [member] | Favourable changes [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Financial liabilities at fair value through profit or loss	[1]	1
Level 3 of fair value hierarchy [member] | Financial assets at fair value through profit or loss, category [member] | Interest rate spreads (+/- 50bps) [member] | Unfavourable changes [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Financial liabilities at fair value through profit or loss	[1]	(1)
Consensus pricing [member] | Financial assets at fair value through other comprehensive income, category [member] | Favourable changes [member] | Broker quotes [member] | Lead manager [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Asset-backed securities	[1]	4
Consensus pricing [member] | Financial assets at fair value through other comprehensive income, category [member] | Unfavourable changes [member] | Broker quotes [member] | Lead manager [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Asset-backed securities		(4)	[1]	(1)
Gross carrying amount [member] | Derivative liabilities [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives		297		8
Gross carrying amount [member] | Derivative liabilities [member] | HPI (+/- 5%) [member] | Market values – property valuation [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives		297		8
Gross carrying amount [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Financial assets at fair value through profit or loss:		1,829		2,721
Gross carrying amount [member] | Financial assets at fair value through profit or loss, category [member] | Inferred spreads (bps) (97 bps/103 bps) [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Loans and advances to customers		1,782		2,721
Gross carrying amount [member] | Financial assets at fair value through profit or loss, category [member] | Credit spreads (+/- 3%) [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Debt securities		47
Gross carrying amount [member] | Financial assets at fair value through other comprehensive income, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Financial assets at fair value through other comprehensive income		60		53
Gross carrying amount [member] | Derivative assets [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives				5
Gross carrying amount [member] | Derivative assets [member] | Option pricing model [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Interest rate derivatives				5
Gross carrying amount [member] | Level 3 of fair value hierarchy [member] | Financial liabilities at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Level 3 financial liabilities carried at fair value		344		8
Gross carrying amount [member] | Level 3 of fair value hierarchy [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Level 3 financial assets carried at fair value		1,889		2,779
Gross carrying amount [member] | Level 3 of fair value hierarchy [member] | Financial assets at fair value through profit or loss, category [member] | Interest rate spreads (+/- 50bps) [member] | Discounted cash flow [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Financial liabilities at fair value through profit or loss		47
Gross carrying amount [member] | Consensus pricing [member] | Financial assets at fair value through other comprehensive income, category [member] | Broker quotes [member] | Lead manager [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Sensitivity of Level 3 Valuations [Line Items]
Asset-backed securities		£ 60		£ 53
[1]	Where the exposure to an unobservable input is managed on a net basis, only the net impact is shown in the table.

FINANCIAL INSTRUMENTS (Detai_12

FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	£ 474,470	£ 464,044
Loans and advances to banks	4,852	3,692
Debt securities	5,325	5,095
The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	177,569	172,315
Loans and advances to banks	4,453	3,153
Debt securities	5,241	4,960
Level 2 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
Debt securities	5,317	5,107
Level 2 of fair value hierarchy [member] | The Group [member] | Reverse Repurchase Agreement [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
Level 2 of fair value hierarchy [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
Debt securities	5,242	4,980
Level 2 of fair value hierarchy [member] | The Bank [member] | Reverse Repurchase Agreement [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
Level 3 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	423,504	427,917
Loans and advances to banks	4,441	3,194
Due from fellow Lloyds Banking Group undertakings	1,854	1,878
Level 3 of fair value hierarchy [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	123,576	133,940
Loans and advances to banks	4,042	2,692
Due from fellow Lloyds Banking Group undertakings	202,277	153,585
Gross carrying amount [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	474,470	464,044
Loans and advances to banks	4,852	3,692
Debt securities	5,325	5,095
Due from fellow Lloyds Banking Group undertakings	1,854	1,878
Gross carrying amount [member] | The Group [member] | Reverse Repurchase Agreement [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
Gross carrying amount [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	177,569	172,315
Loans and advances to banks	4,453	3,153
Debt securities	5,241	4,960
Due from fellow Lloyds Banking Group undertakings	202,277	153,585
Gross carrying amount [member] | The Bank [member] | Reverse Repurchase Agreement [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
At fair value [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	475,128	463,796
Loans and advances to banks	4,849	3,655
Debt securities	5,317	5,107
Due from fellow Lloyds Banking Group undertakings	1,854	1,878
At fair value [member] | The Group [member] | Reverse Repurchase Agreement [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	408	461
At fair value [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	175,200	169,819
Loans and advances to banks	4,450	3,153
Debt securities	5,242	4,980
Due from fellow Lloyds Banking Group undertakings	202,277	153,585
At fair value [member] | The Bank [member] | Reverse Repurchase Agreement [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Assets [Line Items]
Loans and advances to customers	51,624	35,879
Loans and advances to banks	£ 408	£ 461

FINANCIAL INSTRUMENTS (Detai_13

FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	£ 23,593	£ 26,263
Customer deposits	396,839	391,251
Debt securities in issue	76,431	64,533
Subordinated liabilities	12,586	12,745	£ 14,782
The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	7,122	5,320
Customer deposits	239,762	229,402
Debt securities in issue	61,509	49,787
Subordinated liabilities	9,909	9,528	£ 9,341
Level 2 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	23,497	26,245
Customer deposits	391,987	385,357
Due to fellow Lloyds Banking Group undertakings	4,893	19,663
Debt securities in issue	78,632	66,379
Subordinated liabilities	14,542	14,460
Level 2 of fair value hierarchy [member] | The Group [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	18,105	21,170
Customer deposits	9,530	1,818
Due to fellow Lloyds Banking Group undertakings		2,801
Level 2 of fair value hierarchy [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	7,025	5,300
Customer deposits	239,952	229,593
Due to fellow Lloyds Banking Group undertakings	109,771
Debt securities in issue	63,483	51,501
Subordinated liabilities	10,974	10,558
Level 2 of fair value hierarchy [member] | The Bank [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	2,645	1,193
Customer deposits	9,530	1,818
Due to fellow Lloyds Banking Group undertakings		2,801
Level 2 of fair value hierarchy [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Due to fellow Lloyds Banking Group undertakings		88,383
Level 3 of fair value hierarchy [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Customer deposits	5,235	6,167
Gross carrying amount [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	23,593	26,263
Customer deposits	396,839	391,251
Due to fellow Lloyds Banking Group undertakings	4,893	19,663
Debt securities in issue	76,431	64,533
Subordinated liabilities	12,586	12,745
Gross carrying amount [member] | The Group [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	18,105	21,170
Customer deposits	9,530	1,818
Due to fellow Lloyds Banking Group undertakings		2,801
Gross carrying amount [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	7,122	5,320
Customer deposits	239,762	229,402
Due to fellow Lloyds Banking Group undertakings	109,771
Debt securities in issue	61,509	49,787
Subordinated liabilities	9,909	9,528
Gross carrying amount [member] | The Bank [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	2,645	1,193
Customer deposits	9,530	1,818
Due to fellow Lloyds Banking Group undertakings		2,801
Gross carrying amount [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Due to fellow Lloyds Banking Group undertakings		88,383
At fair value [member] | The Group [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	23,497	26,245
Customer deposits	397,222	391,524
Due to fellow Lloyds Banking Group undertakings	4,893	19,663
Debt securities in issue	78,632	66,379
Subordinated liabilities	14,542	14,460
At fair value [member] | The Group [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	18,105	21,170
Customer deposits	9,530	1,818
Due to fellow Lloyds Banking Group undertakings		2,801
At fair value [member] | The Bank [member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	7,025	5,300
Customer deposits	239,952	229,593
Due to fellow Lloyds Banking Group undertakings	109,771
Debt securities in issue	63,483	51,501
Subordinated liabilities	10,974	10,558
At fair value [member] | The Bank [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Deposits from banks	2,645	1,193
Customer deposits	£ 9,530	1,818
Due to fellow Lloyds Banking Group undertakings		2,801
At fair value [member] | Repurchase Agreements [Member]
FINANCIAL INSTRUMENTS (Details) - Schedule of Valuation Hierarchy for Financial Liabilities [Line Items]
Due to fellow Lloyds Banking Group undertakings		£ 88,383

TRANSFERS OF FINANCIAL ASSETS_2

TRANSFERS OF FINANCIAL ASSETS (Details) - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
Securitisations [member] | The Group [member]
TRANSFERS OF FINANCIAL ASSETS (Details) [Line Items]
Excluded Securitisation Notes Held By The Group	£ 31,396	£ 31,647

TRANSFERS OF FINANCIAL ASSETS_3

TRANSFERS OF FINANCIAL ASSETS (Details) - Schedule of Transfered Assets and Liabilities - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
Carrying value of transferred assets [member] | Repurchase agreement & stock lending [member] | The Group [member]
TRANSFERS OF FINANCIAL ASSETS (Details) - Schedule of Transfered Assets and Liabilities [Line Items]
Financial assets at fair value through profit or loss		£ 3,123	£ 997
Available-for-sale financial assets			5,691
Financial assets at fair value through other comprehensive income		5,436
Carrying value of transferred assets [member] | Repurchase agreement & stock lending [member] | The Bank [member]
TRANSFERS OF FINANCIAL ASSETS (Details) - Schedule of Transfered Assets and Liabilities [Line Items]
Financial assets at fair value through profit or loss		655	989
Available-for-sale financial assets			5,397
Financial assets at fair value through other comprehensive income		7,552
Carrying value of transferred assets [member] | Securitisation programme [member] | The Group [member]
Financial assets at amortised cost:
Loans and advances to customers		42,545	41,674	[1],[2]
Carrying value of transferred assets [member] | Securitisation programme [member] | The Bank [member]
Financial assets at amortised cost:
Loans and advances to customers		6,433	11,760	[1],[2]
Carrying value of associated liabilities [member] | Repurchase agreement & stock lending [member] | The Group [member]
TRANSFERS OF FINANCIAL ASSETS (Details) - Schedule of Transfered Assets and Liabilities [Line Items]
Financial assets at fair value through profit or loss		2,668	269
Available-for-sale financial assets			4,645
Financial assets at fair value through other comprehensive income		4,560
Carrying value of associated liabilities [member] | Repurchase agreement & stock lending [member] | The Bank [member]
TRANSFERS OF FINANCIAL ASSETS (Details) - Schedule of Transfered Assets and Liabilities [Line Items]
Financial assets at fair value through profit or loss		21	269
Available-for-sale financial assets			4,645
Financial assets at fair value through other comprehensive income		6,065
Carrying value of associated liabilities [member] | Securitisation programme [member] | The Group [member]
Financial assets at amortised cost:
Loans and advances to customers		£ 7,376	5,533	[1],[2]
Carrying value of associated liabilities [member] | Securitisation programme [member] | The Bank [member]
Financial assets at amortised cost:
Loans and advances to customers	[1],[2]
[1]	The carrying value of associated liabilities for the Group excludes securitisation notes held by the Group of 31,396 million (31 December 2018: 31,647 million).
[2]	The carrying value of transferred assets for the Bank includes amounts relating to assets transferred to structured entities which are fully consolidated into the Group. The liabilities associated with such assets are issued by the structured entities.

OFFSETTING OF FINANCIAL ASSET_3

OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES (Details) - Schedule of Offsetting of Financial Assets and Liabilities - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
Gross assets and liabilities [member]
Financial assets
Financial assets at fair value through other comprehensive income	[1]	£ 24,617	£ 24,368
Financial liabilities
Financial liabilities at fair value through profit or loss:	[1]		20,503
Gross assets and liabilities [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[1]	23,593	26,263
Gross assets and liabilities [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[1]	398,708	392,542
Gross assets and liabilities [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[1]	12,167
Gross assets and liabilities [member] | Derivative liabilities [member]
Financial liabilities
Derivative financial instruments	[1]	61,328	51,309
Gross assets and liabilities [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[1]	2,284	24,019
Gross assets and liabilities [member] | Derivative assets [member]
Financial assets
Derivative financial instruments	[1]	61,860	52,981
Gross assets and liabilities [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[1]	4,852	3,692
Gross assets and liabilities [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[1]	478,935	466,055
Gross assets and liabilities [member] | Debt securities [member]
Financial assets
Debt securities	[1]	5,325	5,095
Gross assets and liabilities [member] | Excluding Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[1]	2,284	6,129
Gross assets and liabilities [member] | Excluding Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[1]	4,444	3,231
Gross assets and liabilities [member] | Excluding Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[1]	422,846	428,165
Gross assets and liabilities [member] | Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[1]		17,890
Gross assets and liabilities [member] | Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[1]	408	461
Gross assets and liabilities [member] | Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[1]	56,089	37,890
Gross assets and liabilities [member] | Excluding Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[1]		7,473
Gross assets and liabilities [member] | Excluding Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[1]	5,488	5,093
Gross assets and liabilities [member] | Excluding Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[1]	389,178	390,724
Gross assets and liabilities [member] | Excluding Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[1]	7,702
Gross assets and liabilities [member] | Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[1]		13,030
Gross assets and liabilities [member] | Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[1]	18,105	21,170
Gross assets and liabilities [member] | Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[1]	9,530	1,818
Gross assets and liabilities [member] | Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[1]	4,465
Offset [member]
Financial assets
Financial assets at fair value through other comprehensive income	[2]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[2]		(2,773)
Offset [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[2]
Offset [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[2]	(1,869)	(1,291)
Offset [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[2]	(4,465)
Offset [member] | Derivative liabilities [member]
Financial liabilities
Derivative financial instruments	[2]	(51,497)	(40,398)
Offset [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[2]		(763)
Offset [member] | Derivative assets [member]
Financial assets
Derivative financial instruments	[2]	(53,366)	(41,688)
Offset [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[2]
Offset [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[2]	(4,465)	(2,011)
Offset [member] | Debt securities [member]
Financial assets
Debt securities	[2]
Offset [member] | Excluding Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[2]
Offset [member] | Excluding Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[2]
Offset [member] | Excluding Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[2]
Offset [member] | Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[2]		(763)
Offset [member] | Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[2]
Offset [member] | Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[2]	(4,465)	(2,011)
Offset [member] | Excluding Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[2]
Offset [member] | Excluding Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[2]
Offset [member] | Excluding Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[2]	(1,869)	(1,291)
Offset [member] | Excluding Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[2]
Offset [member] | Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[2]		(2,773)
Offset [member] | Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[2]
Offset [member] | Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[2]
Offset [member] | Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[2]	(4,465)
Net amounts presented in the balance sheet [member]
Financial assets
Financial assets at fair value through other comprehensive income		24,617	24,368
Financial liabilities
Financial liabilities at fair value through profit or loss:			17,730
Net amounts presented in the balance sheet [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:		23,593	26,263
Net amounts presented in the balance sheet [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:		396,839	391,251
Net amounts presented in the balance sheet [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:		7,702
Net amounts presented in the balance sheet [member] | Derivative liabilities [member]
Financial liabilities
Derivative financial instruments		9,831	10,911
Net amounts presented in the balance sheet [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss		2,284	23,256
Net amounts presented in the balance sheet [member] | Derivative assets [member]
Financial assets
Derivative financial instruments		8,494	11,293
Net amounts presented in the balance sheet [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks		4,852	3,692
Net amounts presented in the balance sheet [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers		474,470	464,044
Net amounts presented in the balance sheet [member] | Debt securities [member]
Financial assets
Debt securities		5,325	5,095
Net amounts presented in the balance sheet [member] | Excluding Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss		2,284	6,129
Net amounts presented in the balance sheet [member] | Excluding Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks		4,444	3,231
Net amounts presented in the balance sheet [member] | Excluding Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers		422,846	428,165
Net amounts presented in the balance sheet [member] | Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss			17,127
Net amounts presented in the balance sheet [member] | Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks		408	461
Net amounts presented in the balance sheet [member] | Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers		51,624	35,879
Net amounts presented in the balance sheet [member] | Excluding Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:			7,473
Net amounts presented in the balance sheet [member] | Excluding Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:		5,488	5,093
Net amounts presented in the balance sheet [member] | Excluding Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:		387,309	389,433
Net amounts presented in the balance sheet [member] | Excluding Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:		7,702
Net amounts presented in the balance sheet [member] | Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:			10,257
Net amounts presented in the balance sheet [member] | Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:		18,105	21,170
Net amounts presented in the balance sheet [member] | Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:		9,530	1,818
Cash collateral received/pledged [member]
Financial assets
Financial assets at fair value through other comprehensive income	[3]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Cash collateral received/pledged [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[3]	(1,684)	(1,400)
Cash collateral received/pledged [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[3]	(501)	(293)
Cash collateral received/pledged [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Cash collateral received/pledged [member] | Derivative liabilities [member]
Financial liabilities
Derivative financial instruments	[3]	(2,168)	(2,359)
Cash collateral received/pledged [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[3]
Cash collateral received/pledged [member] | Derivative assets [member]
Financial assets
Derivative financial instruments	[3]	(2,186)	(1,693)
Cash collateral received/pledged [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[3]	(1,288)	(1,496)
Cash collateral received/pledged [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[3]	(879)	(863)
Cash collateral received/pledged [member] | Debt securities [member]
Financial assets
Debt securities	[3]
Cash collateral received/pledged [member] | Excluding Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[3]
Cash collateral received/pledged [member] | Excluding Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[3]	(1,288)	(1,496)
Cash collateral received/pledged [member] | Excluding Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[3]	(879)	(863)
Cash collateral received/pledged [member] | Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[3]
Cash collateral received/pledged [member] | Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[3]
Cash collateral received/pledged [member] | Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[3]
Cash collateral received/pledged [member] | Excluding Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Cash collateral received/pledged [member] | Excluding Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[3]	(1,684)	(1,400)
Cash collateral received/pledged [member] | Excluding Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[3]	(501)	(293)
Cash collateral received/pledged [member] | Excluding Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Cash collateral received/pledged [member] | Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Cash collateral received/pledged [member] | Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[3]
Cash collateral received/pledged [member] | Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[3]
Cash collateral received/pledged [member] | Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Non-cash collateral received/pledged [member]
Financial assets
Financial assets at fair value through other comprehensive income	[3]	(5,948)	(4,666)
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]		(10,257)
Non-cash collateral received/pledged [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[3]	(18,105)	(21,170)
Non-cash collateral received/pledged [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[3]	(12,322)	(5,059)
Non-cash collateral received/pledged [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Non-cash collateral received/pledged [member] | Derivative liabilities [member]
Financial liabilities
Derivative financial instruments	[3]	(5,020)	(5,770)
Non-cash collateral received/pledged [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[3]	(21)	(17,401)
Non-cash collateral received/pledged [member] | Derivative assets [member]
Financial assets
Derivative financial instruments	[3]	(4,177)	(4,837)
Non-cash collateral received/pledged [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[3]	(3,200)	(461)
Non-cash collateral received/pledged [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[3]	(51,624)	(39,120)
Non-cash collateral received/pledged [member] | Debt securities [member]
Financial assets
Debt securities	[3]	(211)
Non-cash collateral received/pledged [member] | Excluding Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[3]	(21)	(274)
Non-cash collateral received/pledged [member] | Excluding Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[3]	(2,792)
Non-cash collateral received/pledged [member] | Excluding Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[3]		(3,241)
Non-cash collateral received/pledged [member] | Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss	[3]		(17,127)
Non-cash collateral received/pledged [member] | Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks	[3]	(408)	(461)
Non-cash collateral received/pledged [member] | Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers	[3]	(51,624)	(35,879)
Non-cash collateral received/pledged [member] | Excluding Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Non-cash collateral received/pledged [member] | Excluding Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[3]
Non-cash collateral received/pledged [member] | Excluding Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[3]	(2,792)	(3,241)
Non-cash collateral received/pledged [member] | Excluding Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Non-cash collateral received/pledged [member] | Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]		(10,257)
Non-cash collateral received/pledged [member] | Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:	[3]	(18,105)	(21,170)
Non-cash collateral received/pledged [member] | Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:	[3]	(9,530)	(1,818)
Non-cash collateral received/pledged [member] | Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:	[3]
Potential net amounts if offset of related amounts permitted [member]
Financial assets
Financial assets at fair value through other comprehensive income		18,669	19,702
Financial liabilities
Financial liabilities at fair value through profit or loss:			7,473
Potential net amounts if offset of related amounts permitted [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:		3,804	3,693
Potential net amounts if offset of related amounts permitted [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:		384,016	385,899
Potential net amounts if offset of related amounts permitted [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:		7,702
Potential net amounts if offset of related amounts permitted [member] | Derivative liabilities [member]
Financial liabilities
Derivative financial instruments		2,643	2,782
Potential net amounts if offset of related amounts permitted [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss		2,263	5,855
Potential net amounts if offset of related amounts permitted [member] | Derivative assets [member]
Financial assets
Derivative financial instruments		2,131	4,763
Potential net amounts if offset of related amounts permitted [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks		364	1,735
Potential net amounts if offset of related amounts permitted [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers		421,967	424,061
Potential net amounts if offset of related amounts permitted [member] | Debt securities [member]
Financial assets
Debt securities		5,114	5,095
Potential net amounts if offset of related amounts permitted [member] | Excluding Reverse Repurchase Agreement [member] | Financial assets at fair value through profit or loss, category [member]
Financial assets
Financial assets at fair value through profit or loss		2,263	5,855
Potential net amounts if offset of related amounts permitted [member] | Excluding Reverse Repurchase Agreement [member] | Loans and Advances to Banks [member]
Financial assets
Loans and advances to banks		364	1,735
Potential net amounts if offset of related amounts permitted [member] | Excluding Reverse Repurchase Agreement [member] | Loans and advances to customers [member]
Financial assets
Loans and advances to customers		421,967	424,061
Potential net amounts if offset of related amounts permitted [member] | Excluding Repurchase Agreement [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:			7,473
Potential net amounts if offset of related amounts permitted [member] | Excluding Repurchase Agreement [member] | Deposits From Banks [member]
Financial liabilities
Deposits from banks:		3,804	3,693
Potential net amounts if offset of related amounts permitted [member] | Excluding Repurchase Agreement [member] | Deposits from Customers [member]
Financial liabilities
Customer deposits:		384,016	£ 385,899
Potential net amounts if offset of related amounts permitted [member] | Excluding Repurchase Agreement [member] | Financial liabilities at fair value through profit or loss, category [member]
Financial liabilities
Financial liabilities at fair value through profit or loss:		£ 7,702
[1]	After impairment allowance.
[2]	The amounts set off in the balance sheet as shown above represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32.
[3]	The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respective of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32.

FINANCIAL RISK MANAGEMENT (Deta

FINANCIAL RISK MANAGEMENT (Details) £ in Millions		12 Months Ended
		Dec. 31, 2019GBP (£)		Dec. 31, 2018GBP (£)		Dec. 31, 2017GBP (£)	[4]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Assets obtained by taking possession of collateral or calling on other credit enhancements		£ 413		£ 245
Loans and Advances to Customers Exposure [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Percentage of Exposure		62.00%
Financial, Business and other Services Exposure [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Percentage of Exposure		15.00%
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Debt securities		£ 5,325		5,095
Financial assets, at fair value		35,395		58,917
Financial assets at fair value through profit or loss, classified as held for trading		290		19,462
Derivative financial assets		8,494	[1]	11,293	[2]
Reverse repurchase agreements and cash collateral on securities borrowed		51,624		35,879
Loans and advances to customers		474,470		464,044
Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position		4,317		6,769
Cash collateral received subject to enforceable master netting arrangement or similar agreement not set off against financial assets		1,693		2,186
Gross loan commitments		116,434		118,514
Repurchase agreements and cash collateral on securities lent				10,258
Derivative, Notional Amount		2,623,228		2,920,059
Interest expense	[3]	3,878		3,462	[4]	£ 3,489
The Group [member] | Loans and Advances to Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		408		461
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		388		481
The Group [member] | Collateralised Loan [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		50,130		37,765
The Group [member] | Reverse Repurchase Agreement [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		0
The Group [member] | Trading & other financial assets at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		17,127
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value				18,910
Collateral sold or repledged in absence of default by owner of collateral, at fair value				17,121
The Group [member] | Undated subordinated liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Interest expense		28		27
The Group [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value				14,148
The Group [member] | Net Credit Risk [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative financial assets		4,317		6,769
The Group [member] | Cash collateral received/pledged [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative financial assets		2,186		1,693
The Group [member] | OECD Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative financial assets		120		94
The Group [member] | Irrevocable Loan Commitments And Contingencies [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral sold or repledged in absence of default by owner of collateral, at fair value		12,391		10,661
Gross loan commitments		49,199		51,242
The Group [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		160,942		150,971
Hedging instrument, assets		467		760
Gains (losses) on hedging instrument, fair value hedges		353		125
Gains (losses) on hedged item attributable to hedged risk, fair value hedges		200		77
The Group [member] | Interest rate risk [member] | Cash flow hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		417,718		556,945
Hedging instrument, liabilities		393		486
Gain (loss) on hedge ineffectiveness		131		(25)
The Group [member] | Currency risk [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Structural Foreign Currency Exposures		52		112
The Group [member] | Deposits From Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Repurchase agreements and cash collateral on securities lent		18,105		21,170
The Group [member] | Deposits from Customers [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		9,530		1,818
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Debt securities		5,241		4,960
Financial assets, at fair value		36,501		59,482
Financial assets at fair value through profit or loss, classified as held for trading		290		19,420
Derivative financial assets		13,638		15,431
Reverse repurchase agreements and cash collateral on securities borrowed		51,624		35,879
Loans and advances to customers		177,569		172,315
Net financial assets subject to offsetting, enforceable master netting arrangements or similar agreements in statement of financial position		10,326		12,025
Cash collateral received subject to enforceable master netting arrangement or similar agreement not set off against financial assets		857		786
Gross loan commitments		52,549		57,897
Repurchase agreements and cash collateral on securities lent				10,258
Derivative, Notional Amount		2,805,976		3,102,660
The Bank [member] | Loans and Advances to Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		408		461
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		388		481
The Bank [member] | Collateralised Loan [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		50,130		37,765
The Bank [member] | Reverse Repurchase Agreement [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		0
The Bank [member] | Trading & other financial assets at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		17,127
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value				18,910
Collateral sold or repledged in absence of default by owner of collateral, at fair value				17,121
The Bank [member] | Undated subordinated liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Interest expense		21		19
The Bank [member] | Financial assets at fair value through profit or loss, category [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value				14,148
The Bank [member] | Net Credit Risk [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative financial assets		10,326		12,025
The Bank [member] | Cash collateral received/pledged [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative financial assets		786		857
The Bank [member] | OECD Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative financial assets		66		32
The Bank [member] | Irrevocable Loan Commitments And Contingencies [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral sold or repledged in absence of default by owner of collateral, at fair value		1,120		698
Gross loan commitments		29,961		32,912
The Bank [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		66,833		153,223
Hedging instrument, assets		60		871
Gains (losses) on hedging instrument, fair value hedges		120		262
Gains (losses) on hedged item attributable to hedged risk, fair value hedges		163		320
The Bank [member] | Interest rate risk [member] | Cash flow hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		130,477		146,018
Hedging instrument, liabilities		26
Gain (loss) on hedge ineffectiveness		62		(21)
The Bank [member] | Currency risk [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Structural Foreign Currency Exposures		2		6
The Bank [member] | Deposits From Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Repurchase agreements and cash collateral on securities lent		2,645		1,193
The Bank [member] | Deposits from Customers [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		9,530		1,818
Other [member] | Sub-Investment Grade [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Debt securities				6
Financial assets, at fair value		60		52
Financial assets at fair value through profit or loss, classified as held for trading
Derivative financial assets		953		1,282
Other [member] | Sub-Investment Grade [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Debt securities
Financial assets, at fair value
Financial assets at fair value through profit or loss, classified as held for trading
Derivative financial assets		135		488
Other [member] | Not Rated [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Debt securities		1		22
Financial assets, at fair value				190
Financial assets at fair value through profit or loss, classified as held for trading
Derivative financial assets		372		54
Other [member] | Not Rated [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Debt securities
Financial assets, at fair value				5
Financial assets at fair value through profit or loss, classified as held for trading
Derivative financial assets		75		52
Stock Borrowing [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		8,867		45,025
Stock Borrowing [member] | The Group [member] | Trading & other financial assets at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral sold or repledged in absence of default by owner of collateral, at fair value		7,630		43,701
Stock Borrowing [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		8,453		16,029
Stock Borrowing [member] | The Bank [member] | Trading & other financial assets at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral sold or repledged in absence of default by owner of collateral, at fair value		8,178		14,809
Collateral Pledged [Member] | The Group [member] | Deposits From Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Repurchase agreements and cash collateral on securities lent		17,545		19,615
Collateral Pledged [Member] | The Group [member] | Deposits from Customers [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		9,221		1,710
Collateral Pledged [Member] | The Bank [member] | Deposits From Banks [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Repurchase agreements and cash collateral on securities lent		2,118		1,188
Collateral Pledged [Member] | The Bank [member] | Deposits from Customers [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Reverse repurchase agreements and cash collateral on securities borrowed		9,221		1,710
Interest Rate Benchmark Reform Amendments [Member] | The Group [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		102,969
Interest Rate Benchmark Reform Amendments [Member] | The Group [member] | Interest rate risk [member] | Cash flow hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 26,774
Nominal amount of hedging instrument		576,356,000,000
Interest Rate Benchmark Reform Amendments [Member] | The Bank [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 18,977
Interest Rate Benchmark Reform Amendments [Member] | The Bank [member] | Interest rate risk [member] | Cash flow hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 12,421
Nominal amount of hedging instrument		194,827,000,000
Interest Rate Benchmark Reform Amendments [Member] | Assets held to hedge liabilities arising from financing activities [member] | The Group [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 45,183
Interest Rate Benchmark Reform Amendments [Member] | Assets held to hedge liabilities arising from financing activities [member] | The Bank [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		38,328
Interest Rate Benchmark Reform Amendments [Member] | Sterling LIBOR [Member] | The Group [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 98,278
Nominal amount of hedging instrument		116,211,000,000
Interest Rate Benchmark Reform Amendments [Member] | Sterling LIBOR [Member] | The Group [member] | Interest rate risk [member] | Cash flow hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 23,467
Nominal amount of hedging instrument		391,417,000,000
Interest Rate Benchmark Reform Amendments [Member] | Sterling LIBOR [Member] | The Bank [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 14,286
Nominal amount of hedging instrument		25,070,000,000
Interest Rate Benchmark Reform Amendments [Member] | Sterling LIBOR [Member] | The Bank [member] | Interest rate risk [member] | Cash flow hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 12,421
Nominal amount of hedging instrument		130,477,000,000
Interest Rate Benchmark Reform Amendments [Member] | Sterling LIBOR [Member] | Assets held to hedge liabilities arising from financing activities [member] | The Group [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		£ 5,890
Interest Rate Benchmark Reform Amendments [Member] | Sterling LIBOR [Member] | Assets held to hedge liabilities arising from financing activities [member] | The Bank [member] | Interest rate risk [member] | Fair value hedges [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Derivative, Notional Amount		4,824
Stage 3 [member] | Retail Non-Mortgage [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Loans and advances to customers		610		631
Allowance for Impairment Losses		368		366
Stage 3 [member] | The Group [member] | Commercial loans [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Loans and advances to customers		750		658
Allowance for Impairment Losses		167		215
Stage 3 [member] | The Group [member] | Accumulated impairment [member] | Commercial loans [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value				590
Stage 3 [member] | The Bank [member] | Accumulated impairment [member] | Commercial loans [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Collateral held permitted to be sold or repledged in absence of default by owner of collateral, at fair value		744
Stage 3 [member] | Partial Write Off [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Loans and advances to banks and customers		205		250
Loans and advances to banks and customers, outstanding		1,700		2,200
Stage 2 and Stage 3 [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Loans and advances to banks and customers		219		1,000
Stage 1 and Stage 2 [member] | Retail Non-Mortgage [member]
FINANCIAL RISK MANAGEMENT (Details) [Line Items]
Loans and advances to customers		£ 54,042		£ 52,450
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).
[3]	Includes 119 million (2018: 10 million; 2017: 50 million) of interest expense on assets with negative interest rates.
[4]	Restated, see note 1.

FINANCIAL RISK MANAGEMENT (De_2

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
Maximum Exposure [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Loans and advances to banks	[1]	£ 4,852	£ 3,692
Loans and advances to customers	[1]	474,470	464,044
Debt securities	[1]	5,325	5,095
Financial assets at amortised cost		484,647	472,831
Financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2]	24,617	24,368
Derivative assets		8,494	11,293
		569,076	582,834
Financial assets at fair value through profit or loss	[2]	2,119	23,100
Acceptances and endorsements		17	32
Other items serving as direct credit substitutes		279	485
Performance bonds and other transaction-related contingencies		2,274	2,270
Irrevocable commitments and guarantees		46,629	48,455
		49,199	51,242
Maximum Exposure [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Loans and advances to banks	[1]	4,453	3,153
Loans and advances to customers	[1]	177,569	172,315
Debt securities	[1]	5,241	4,960
Financial assets at amortised cost		187,263	180,428
Financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2]	22,160	23,208
Derivative assets		13,638	15,431
		253,721	272,816
Financial assets at fair value through profit or loss	[2]	699	20,837
Acceptances and endorsements		16	31
Other items serving as direct credit substitutes		259	449
Performance bonds and other transaction-related contingencies		2,014	2,012
Irrevocable commitments and guarantees		27,672	30,420
		29,961	32,912
Offset [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Loans and advances to banks	[1],[3]
Loans and advances to customers	[1],[3]	(2,792)	(3,241)
Debt securities	[1],[3]
Financial assets at amortised cost	[3]	(2,792)	(3,241)
Financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2],[3]
Derivative assets	[3]	(4,177)	(4,524)
	[3]	(6,969)	(7,765)
Financial assets at fair value through profit or loss	[2],[3]
Acceptances and endorsements	[3]
Other items serving as direct credit substitutes	[3]
Performance bonds and other transaction-related contingencies	[3]
Irrevocable commitments and guarantees	[3]
	[3]
Offset [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Loans and advances to banks	[1],[3]
Loans and advances to customers	[1],[3]	(2,123)	(2,399)
Debt securities	[1],[3]
Financial assets at amortised cost	[3]	(2,123)	(2,399)
Financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2],[3]
Derivative assets	[3]	(3,312)	(3,406)
	[3]	(5,435)	(5,805)
Financial assets at fair value through profit or loss	[2],[3]
Acceptances and endorsements	[3]
Other items serving as direct credit substitutes	[3]
Performance bonds and other transaction-related contingencies	[3]
Irrevocable commitments and guarantees	[3]
	[3]
Net Exposure [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Loans and advances to banks	[1]	4,852	3,692
Loans and advances to customers	[1]	471,678	460,803
Debt securities	[1]	5,325	5,095
Financial assets at amortised cost		481,855	469,590
Financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2]	24,617	24,368
Derivative assets		4,317	6,769
		562,107	575,069
Financial assets at fair value through profit or loss	[2]	2,119	23,100
Acceptances and endorsements		17	32
Other items serving as direct credit substitutes		279	485
Performance bonds and other transaction-related contingencies		2,274	2,270
Irrevocable commitments and guarantees		46,629	48,455
		49,199	51,242
Net Exposure [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Loans and advances to banks	[1]	4,453	3,153
Loans and advances to customers	[1]	175,446	169,916
Debt securities	[1]	5,241	4,960
Financial assets at amortised cost		185,140	178,029
Financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2]	22,160	23,208
Derivative assets		10,326	12,025
		248,286	267,011
Financial assets at fair value through profit or loss	[2]	699	20,837
Acceptances and endorsements		16	31
Other items serving as direct credit substitutes		259	449
Performance bonds and other transaction-related contingencies		2,014	2,012
Irrevocable commitments and guarantees		27,672	30,420
		29,961	32,912
Loans and advances designated at fair value through profit or loss [member] | Maximum Exposure [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	1,782	20,247
Loans and advances designated at fair value through profit or loss [member] | Maximum Exposure [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	362	18,026
Loans and advances designated at fair value through profit or loss [member] | Offset [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2],[3]
Loans and advances designated at fair value through profit or loss [member] | Offset [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2],[3]
Loans and advances designated at fair value through profit or loss [member] | Net Exposure [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	1,782	20,247
Loans and advances designated at fair value through profit or loss [member] | Net Exposure [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	362	18,026
Debt securities, treasury, and other bills at fair value through profit or loss [member] | Maximum Exposure [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	337	2,853
Debt securities, treasury, and other bills at fair value through profit or loss [member] | Maximum Exposure [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	337	2,811
Debt securities, treasury, and other bills at fair value through profit or loss [member] | Offset [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2],[3]
Debt securities, treasury, and other bills at fair value through profit or loss [member] | Offset [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2],[3]
Debt securities, treasury, and other bills at fair value through profit or loss [member] | Net Exposure [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	337	2,853
Debt securities, treasury, and other bills at fair value through profit or loss [member] | Net Exposure [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maximum Credit Exposure [Line Items]
Financial assets at fair value through profit or loss	[2]	£ 337	£ 2,811
[1]	Amounts shown net of related impairment allowances.
[2]	Excluding equity shares.
[3]	Offset items comprise deposit amounts available for offset, and amounts available for offset under master netting arrangements, that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements.

FINANCIAL RISK MANAGEMENT (De_3

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	£ 474,470	£ 464,044
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	177,569	172,315
Before Allowance for Impairment Losses [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	477,633	467,064
Before Allowance for Impairment Losses [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	178,742	173,849
Allowance for credit losses [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	(3,163)	(3,020)
Allowance for credit losses [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	(1,173)	(1,534)
0000 to 0999 Agriculture, Forestry, and Fishing [Member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	7,557	7,308
0000 to 0999 Agriculture, Forestry, and Fishing [Member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	2,949	3,020
Energy and water supply [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	1,423	1,356
Energy and water supply [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	1,328	1,243
2000 to 3999 Manufacturing [Member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	4,869	6,696
2000 to 3999 Manufacturing [Member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	3,811	5,725
230000 to 239999 Construction [Member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	4,190	4,468
230000 to 239999 Construction [Member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	3,255	3,108
Transport, distribution and hotels [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	12,657	13,932
Transport, distribution and hotels [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	8,350	9,943
Postal and telecommunications [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	1,679	2,395
Postal and telecommunications [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	1,130	1,646
Property companies [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	26,736	27,207
Property companies [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	22,982	23,087
Financial, business and other services [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	73,087	61,256
Financial, business and other services [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	68,461	55,407
Mortgages [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	298,294	296,790
Mortgages [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	52,341	55,022
Other [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	29,165	28,617
Other [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	10,060	9,680
Gross and Lease Financing [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	1,536	1,686
Gross and Lease Financing [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	93	194
Hire purchase [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	16,440	15,353
Hire purchase [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Concentration of Exposure [Line Items]
Loans and advances to customers	£ 3,982	£ 5,774

FINANCIAL RISK MANAGEMENT (De_4

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	£ 4,852	£ 3,693
Loans and Advances to Customers	477,633	467,064
The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		1
Loans and Advances to Customers	3,163	3,020
The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	116,434	118,514
The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	173	190
The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	4,453	3,154
Loans and Advances to Customers	178,742	173,849
The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		1
Loans and Advances to Customers	1,173	1,534
The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	52,549	57,897
The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	90	76
CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	£ 4,852	£ 3,588
CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		£ 1
CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	£ 4,453	£ 3,049
CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		£ 1
CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		£ 105
CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		£ 105
CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 289,198	£ 288,235
Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	568	459
Retail - Mortgages [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	12,393	12,141
Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Retail - Mortgages [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	51,351	53,991
Retail - Mortgages [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	79	85
Retail - Mortgages [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,120	753
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 270,522	£ 268,524
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 206	£ 178
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 12,304	£ 12,043
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1	£ 1
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 49,876	£ 52,457
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 30	£ 24
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,120	£ 753
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2,067	£ 1,766
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 39	£ 34
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 3
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 510	£ 491
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 7	£ 7
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 414	£ 262
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 13	£ 9
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 116	£ 74
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3	£ 2
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 975	£ 899
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 46	£ 42
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 291	£ 325
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 9	£ 11
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 15,220	£ 16,784
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 264	£ 196
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 87	£ 95
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 558	£ 644
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 30	£ 41
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 28,411	£ 28,115
Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	895	756
Retail Unsecured [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	63,447	59,917
Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	112	137
Retail Unsecured [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10,073	9,625
Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	373	336
Retail Unsecured [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	19,417	19,560
Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	44	38
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 23,249	£ 23,442
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 230	£ 180
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 62,639	£ 59,244
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 80	£ 109
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 7,884	£ 8,158
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 80	£ 83
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 19,108	£ 19,359
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 26	£ 23
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3,595	£ 2,845
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 195	£ 140
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 607	£ 547
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 14	£ 15
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,521	£ 875
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 88	£ 59
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 246	£ 151
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 7	£ 7
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 265	£ 239
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 41	£ 33
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 44	£ 37
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3	£ 3
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 127	£ 77
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 21	£ 15
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 17	£ 13
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 2
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 624	£ 886
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 196	£ 175
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 74	£ 53
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 15	£ 10
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 281	£ 233
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 91	£ 87
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 28	£ 22
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 9	£ 6
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 678	£ 703
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 233	£ 228
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 83	£ 36
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 260	£ 282
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 93	£ 92
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 18	£ 15
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 15,976	£ 14,933
Retail UK Motor Finance [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	385	278
Retail UK Motor Finance [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,378	1,706
Retail UK Motor Finance [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	2
Retail UK Motor Finance [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,398	3,437
Retail UK Motor Finance [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	70	100
Retail UK Motor Finance [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	101	371
Retail UK Motor Finance [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		1
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 14,865	£ 13,872
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 233	£ 133
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,181	£ 1,565
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 2
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,211	£ 3,062
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 25	£ 30
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 84	£ 346
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		£ 1
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 682	£ 619
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 25	£ 21
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 197	£ 141
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 76	£ 170
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 4	£ 7
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 17	£ 25
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 99	£ 111
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 10	£ 11
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 17	£ 50
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 5
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 180	£ 202
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 33	£ 35
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 34	£ 80
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 7	£ 13
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 150	£ 129
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 84	£ 78
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 60	£ 75
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 32	£ 45
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 10,633	£ 10,399
Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	113	120
Retail - Other [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,304	1,791
Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	14	13
Retail - Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,273	2,751
Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	77	73
Retail - Other [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	895	1,148
Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13	12
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 9,910	£ 9,737
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 34	£ 55
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,240	£ 1,428
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 11	£ 13
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,897	£ 2,647
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 22	£ 38
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 839	£ 1,145
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 10	£ 12
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 409	£ 256
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 27	£ 4
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 62
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 271
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 20
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 54
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 7	£ 7
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Retail - Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 157	£ 234
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1	£ 1
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		£ 360
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Retail - Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 150	£ 165
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 51	£ 60
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 3
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 105	£ 104
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 35	£ 35
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 3
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Retail [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 344,218	£ 341,682
Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,961	1,613
Retail [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	78,522	75,555
Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	129	153
Retail [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	65,095	69,804
Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	599	594
Retail [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	21,533	21,832
Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	57	51
Commercial [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	79,563	85,706
Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,175	1,346
Commercial [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	37,677	42,713
Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	44	37
Commercial [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	60,741	65,157
Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	573	938
Commercial [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	30,825	36,015
Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	33	25
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 43,632	£ 50,243
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 29	£ 27
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 31,090	£ 35,610
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 7	£ 9
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 32,997	£ 41,302
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 26	£ 24
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 25,891	£ 31,474
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 5	£ 12
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 27,726	£ 28,202
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 87	£ 135
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 5,955	£ 6,722
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 16	£ 14
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 22,234	£ 18,822
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 73	£ 90
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 4,489	£ 4,241
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 12	£ 9
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 4,902	£ 4,249
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 184	£ 240
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 584	£ 339
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 14	£ 6
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3,999	£ 3,647
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 155	£ 211
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 403	£ 266
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 10	£ 1
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 168	£ 54
Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 16	£ 7
Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 43	£ 42
Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 2
Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 111	£ 30
Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 10	£ 5
Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 38	£ 34
Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2
Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 3,135	£ 2,958
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 859	£ 937
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 5
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 5	£ 6
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1,400	£ 1,356
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 309	£ 608
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 4
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 4	£ 3
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 53,852	£ 39,676
Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	27	61
Other [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	235	246
Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	52,906	38,888
Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	2
Other [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	191	50
Other [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 53,024	£ 38,814
Other [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 52,605	£ 38,675
Other [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.50%	0.50%
Other [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		£ 3
Other [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		£ 6
Other [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.51%	0.51%
Other [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.00%	3.00%
Other [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	3.01%	3.01%
Other [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 800	£ 810
Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 17	£ 44
Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 235	£ 246
Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 299	£ 210
Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 191	£ 50
Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	0.00%	0.00%
Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.50%	4.50%
Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	4.51%	4.51%
Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.00%	14.00%
Other [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	14.01%	14.01%
Other [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.00%	20.00%
Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	20.01%	20.01%
Other [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	99.99%	99.99%
Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 28	£ 49
Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 10	£ 11
Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 2	£ 3
Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 1	£ 2
Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Bottom of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member] | Top of range [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Probability of Default	100.00%	100.00%
RMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 828	£ 859
RMS [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	27	55
RMS [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	235	246
RMS [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	301	213
RMS [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	2
RMS [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	191	50
CMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	53,024	38,817
CMS [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		6
CMS [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	52,605	38,675
Stage 1 [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	4,852	3,691
Loans and Advances to Customers	429,767	420,968
Stage 1 [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		1
Loans and Advances to Customers	669	518
Stage 1 [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	112,517	115,463
Stage 1 [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	91	121
Stage 1 [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	4,453	3,154
Loans and Advances to Customers	165,676	160,379
Stage 1 [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		1
Loans and Advances to Customers	238	209
Stage 1 [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	50,890	56,688
Stage 1 [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	44	41
Stage 1 [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	4,852	3,586
Stage 1 [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		1
Stage 1 [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks	4,453	3,049
Stage 1 [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		1
Stage 1 [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		105
Stage 1 [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		105
Stage 1 [member] | Retail - Mortgages [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	257,043	257,797
Stage 1 [member] | Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	23	37
Stage 1 [member] | Retail - Mortgages [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	12,243	12,026
Stage 1 [member] | Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 1 [member] | Retail - Mortgages [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	46,904	49,299
Stage 1 [member] | Retail - Mortgages [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 1 [member] | Retail - Mortgages [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,120	753
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	257,028	257,740
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	23	37
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	12,242	12,024
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	46,904	49,298
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 1 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,120	753
Stage 1 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	15	57
Stage 1 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	2
Stage 1 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		1
Stage 1 [member] | Retail Unsecured [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	24,921	24,705
Stage 1 [member] | Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	301	199
Stage 1 [member] | Retail Unsecured [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	61,048	57,837
Stage 1 [member] | Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	62	89
Stage 1 [member] | Retail Unsecured [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	8,770	8,409
Stage 1 [member] | Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	121	95
Stage 1 [member] | Retail Unsecured [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18,828	18,995
Stage 1 [member] | Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	21	17
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	22,151	22,363
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	188	135
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	60,653	57,433
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	56	84
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7,586	7,799
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	68	69
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18,671	18,913
Stage 1 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18	15
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,676	2,071
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	103	57
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	389	391
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	6	5
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,138	591
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	47	24
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	155	81
Stage 1 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	2
Stage 1 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	76	72
Stage 1 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	4
Stage 1 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5	10
Stage 1 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	38	14
Stage 1 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	1
Stage 1 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	1
Stage 1 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18	199
Stage 1 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	3
Stage 1 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	3
Stage 1 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	8	5
Stage 1 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	1
Stage 1 [member] | Retail UK Motor Finance [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,884	13,224
Stage 1 [member] | Retail UK Motor Finance [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	214	121
Stage 1 [member] | Retail UK Motor Finance [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,374	1,706
Stage 1 [member] | Retail UK Motor Finance [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	2
Stage 1 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,098	2,738
Stage 1 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	22	24
Stage 1 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	97	371
Stage 1 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		1
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,568	12,918
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	203	114
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,181	1,565
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	2
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,076	2,697
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	21	23
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	84	346
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		1
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	314	301
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	6
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	193	141
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	22	40
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13	25
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	5
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 1 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		1
Stage 1 [member] | Retail - Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9,654	9,434
Stage 1 [member] | Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	25	32
Stage 1 [member] | Retail - Other [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,240	1,741
Stage 1 [member] | Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	11	11
Stage 1 [member] | Retail - Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,746	2,272
Stage 1 [member] | Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18	19
Stage 1 [member] | Retail - Other [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	839	1,103
Stage 1 [member] | Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	10
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9,520	9,033
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	25	30
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,240	1,381
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	11	11
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,746	2,272
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18	19
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	839	1,103
Stage 1 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	10
Stage 1 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		190
Stage 1 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		2
Stage 1 [member] | Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	134	211
Stage 1 [member] | Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		360
Stage 1 [member] | Retail [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	305,502	305,160
Stage 1 [member] | Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	563	389
Stage 1 [member] | Retail [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	75,905	73,310
Stage 1 [member] | Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	76	103
Stage 1 [member] | Retail [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	58,518	62,718
Stage 1 [member] | Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	163	141
Stage 1 [member] | Retail [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	20,884	21,222
Stage 1 [member] | Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	31	28
Stage 1 [member] | Commercial [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	70,487	76,190
Stage 1 [member] | Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	90	86
Stage 1 [member] | Commercial [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	36,377	41,907
Stage 1 [member] | Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	15	18
Stage 1 [member] | Commercial [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	54,286	58,778
Stage 1 [member] | Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	75	68
Stage 1 [member] | Commercial [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	29,815	35,416
Stage 1 [member] | Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13	13
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	43,276	50,143
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	27	26
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	31,014	35,610
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	9
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32,617	41,279
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	25	24
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	25,847	31,474
Stage 1 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5	12
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	25,410	24,760
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	50	49
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5,105	6,196
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	7
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	20,200	16,563
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	40	38
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3,771	3,858
Stage 1 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	1
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,801	1,287
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13	11
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	258	70
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,469	936
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	6
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	197	53
Stage 1 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1
Stage 1 [member] | Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		31
Stage 1 [member] | Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		1
Stage 1 [member] | Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		31
Stage 1 [member] | Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	53,778	39,618
Stage 1 [member] | Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16	43
Stage 1 [member] | Other [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	235	246
Stage 1 [member] | Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	52,872	38,883
Stage 1 [member] | Other [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	191	50
Stage 1 [member] | Other [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	53,024	38,814
Stage 1 [member] | Other [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	52,605	38,675
Stage 1 [member] | Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	754	804
Stage 1 [member] | Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16	43
Stage 1 [member] | Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	235	246
Stage 1 [member] | Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	267	208
Stage 1 [member] | Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	191	50
Stage 1 [member] | RMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	754	804
Stage 1 [member] | RMS [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16	43
Stage 1 [member] | RMS [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	235	246
Stage 1 [member] | RMS [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	267	208
Stage 1 [member] | RMS [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	191	50
Stage 1 [member] | CMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	53,024	38,814
Stage 1 [member] | CMS [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	52,605	38,675
Stage 2 [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		2
Loans and Advances to Customers	28,505	25,308
Stage 2 [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	993	992
Stage 2 [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3,740	2,917
Stage 2 [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	77	63
Stage 2 [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10,681	11,006
Stage 2 [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	435	502
Stage 2 [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,635	1,191
Stage 2 [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	42	32
Stage 2 [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Banks		2
Stage 2 [member] | Retail - Mortgages [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16,935	13,654
Stage 2 [member] | Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	281	226
Stage 2 [member] | Retail - Mortgages [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	63	20
Stage 2 [member] | Retail - Mortgages [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3,889	4,048
Stage 2 [member] | Retail - Mortgages [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	47	41
Stage 2 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,494	10,784
Stage 2 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	183	141
Stage 2 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	62	19
Stage 2 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,972	3,159
Stage 2 [member] | Retail - Mortgages [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	28	21
Stage 2 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,052	1,709
Stage 2 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	39	34
Stage 2 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 2 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	510	490
Stage 2 [member] | Retail - Mortgages [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	7
Stage 2 [member] | Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	414	262
Stage 2 [member] | Retail - Mortgages [member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13	9
Stage 2 [member] | Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	116	74
Stage 2 [member] | Retail - Mortgages [member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	2
Stage 2 [member] | Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	975	899
Stage 2 [member] | Retail - Mortgages [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	46	42
Stage 2 [member] | Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	291	325
Stage 2 [member] | Retail - Mortgages [member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9	11
Stage 2 [member] | Retail Unsecured [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,812	2,707
Stage 2 [member] | Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	361	329
Stage 2 [member] | Retail Unsecured [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,316	2,044
Stage 2 [member] | Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	50	48
Stage 2 [member] | Retail Unsecured [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,043	934
Stage 2 [member] | Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	159	149
Stage 2 [member] | Retail Unsecured [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	571	550
Stage 2 [member] | Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	23	21
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,098	1,079
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	42	45
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,986	1,811
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	24	25
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	298	359
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	12	14
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	437	446
Stage 2 [member] | Retail Unsecured [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	8	8
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	919	774
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	92	83
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	218	156
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	8	10
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	383	284
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	41	35
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	91	70
Stage 2 [member] | Retail Unsecured [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	5
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	189	167
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	34	29
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	39	27
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	3
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	89	63
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	17	14
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	15	12
Stage 2 [member] | Retail Unsecured [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	2
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	606	687
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	193	172
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	73	50
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	15	10
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	273	228
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	89	86
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	28	22
Stage 2 [member] | Retail Unsecured [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9	6
Stage 2 [member] | Retail UK Motor Finance [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,942	1,580
Stage 2 [member] | Retail UK Motor Finance [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	87	79
Stage 2 [member] | Retail UK Motor Finance [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4
Stage 2 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	240	624
Stage 2 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16	31
Stage 2 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,297	954
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	30	19
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	135	365
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	7
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	368	318
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	15	15
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	54	130
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	6
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	99	111
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	11
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	17	50
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	5
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	178	197
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32	34
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	34	79
Stage 2 [member] | Retail UK Motor Finance [Member] | RMS 11-13 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	13
Stage 2 [member] | Retail - Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	829	800
Stage 2 [member] | Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	37	28
Stage 2 [member] | Retail - Other [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	62	47
Stage 2 [member] | Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	2
Stage 2 [member] | Retail - Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	422	375
Stage 2 [member] | Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	24	19
Stage 2 [member] | Retail - Other [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	54	42
Stage 2 [member] | Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3	2
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	390	704
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9	25
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		47
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		2
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	151	375
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	19
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		42
Stage 2 [member] | Retail - Other [member] | RMS 1-6 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		2
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	409	66
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	27	2
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	62
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	271
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	20
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	54
Stage 2 [member] | Retail - Other [member] | RMS 7-9 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3
Stage 2 [member] | Retail - Other [member] | RMS 10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	7	7
Stage 2 [member] | Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	23	23
Stage 2 [member] | Retail - Other [member] | RMS 11-13 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 2 [member] | Retail [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	22,518	18,741
Stage 2 [member] | Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	766	662
Stage 2 [member] | Retail [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,445	2,111
Stage 2 [member] | Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	53	50
Stage 2 [member] | Retail [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5,594	5,981
Stage 2 [member] | Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	246	240
Stage 2 [member] | Retail [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	629	592
Stage 2 [member] | Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	26	23
Stage 2 [member] | Commercial [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5,941	6,558
Stage 2 [member] | Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	226	323
Stage 2 [member] | Commercial [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,295	806
Stage 2 [member] | Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	24	13
Stage 2 [member] | Commercial [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5,055	5,023
Stage 2 [member] | Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	189	262
Stage 2 [member] | Commercial [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,006	599
Stage 2 [member] | Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16	9
Stage 2 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	356	100
Stage 2 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	1
Stage 2 [member] | Commercial [member] | CMS 1-10 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	76
Stage 2 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	380	23
Stage 2 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1
Stage 2 [member] | Commercial [member] | CMS 1-10 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	44
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,316	3,442
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	37	86
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	850	526
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9	7
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,034	2,259
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	33	52
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	718	383
Stage 2 [member] | Commercial [member] | CMS 11-14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5	8
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3,101	2,962
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	171	229
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	326	269
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13	5
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,530	2,711
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	145	205
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	206	213
Stage 2 [member] | Commercial [member] | CMS 15-18 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	9	1
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	168	54
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	16	7
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	43	11
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	1
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	111	30
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	5
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	38	3
Stage 2 [member] | Commercial [member] | CMS 19 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2
Stage 2 [member] | Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	46	9
Stage 2 [member] | Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	7
Stage 2 [member] | Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32	2
Stage 2 [member] | Other [member] | CMS 11-14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		3
Stage 2 [member] | Other [member] | CMS 11-14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		6
Stage 2 [member] | Other [member] | RMS 1-6 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	46	6
Stage 2 [member] | Other [member] | RMS 1-6 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 2 [member] | Other [member] | RMS 1-6 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32	2
Stage 2 [member] | RMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	46	6
Stage 2 [member] | RMS [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	1
Stage 2 [member] | RMS [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32	2
Stage 2 [member] | CMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		3
Stage 2 [member] | CMS [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers		6
Stage 3 [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5,647	5,397
Stage 3 [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,359	1,432
Stage 3 [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	98	44
Stage 3 [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5	6
Stage 3 [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,385	2,464
Stage 3 [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	500	823
Stage 3 [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	24	18
Stage 3 [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	3
Stage 3 [member] | Retail - Mortgages [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,506	1,393
Stage 3 [member] | Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	122	118
Stage 3 [member] | Retail - Mortgages [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	8	5
Stage 3 [member] | Retail - Mortgages [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	558	644
Stage 3 [member] | Retail - Mortgages [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	30	41
Stage 3 [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,506	1,393
Stage 3 [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	122	118
Stage 3 [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	8	5
Stage 3 [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	558	644
Stage 3 [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	30	41
Stage 3 [member] | Retail Unsecured [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	678	703
Stage 3 [member] | Retail Unsecured [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	233	228
Stage 3 [member] | Retail Unsecured [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	83	36
Stage 3 [member] | Retail Unsecured [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	260	282
Stage 3 [member] | Retail Unsecured [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	93	92
Stage 3 [member] | Retail Unsecured [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18	15
Stage 3 [member] | Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	678	703
Stage 3 [member] | Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	233	228
Stage 3 [member] | Retail Unsecured [Member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	83	36
Stage 3 [member] | Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	260	282
Stage 3 [member] | Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	93	92
Stage 3 [member] | Retail Unsecured [Member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	18	15
Stage 3 [member] | Retail UK Motor Finance [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	150	129
Stage 3 [member] | Retail UK Motor Finance [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	84	78
Stage 3 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	60	75
Stage 3 [member] | Retail UK Motor Finance [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32	45
Stage 3 [member] | Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	150	129
Stage 3 [member] | Retail UK Motor Finance [Member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	84	78
Stage 3 [member] | Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	60	75
Stage 3 [member] | Retail UK Motor Finance [Member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	32	45
Stage 3 [member] | Retail - Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	150	165
Stage 3 [member] | Retail - Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	51	60
Stage 3 [member] | Retail - Other [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | Retail - Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	105	104
Stage 3 [member] | Retail - Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	35	35
Stage 3 [member] | Retail - Other [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	150	165
Stage 3 [member] | Retail - Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	51	60
Stage 3 [member] | Retail - Other [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	105	104
Stage 3 [member] | Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	35	35
Stage 3 [member] | Retail - Other [member] | RMS 14 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | Retail [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2,484	2,390
Stage 3 [member] | Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	490	484
Stage 3 [member] | Retail [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	93	44
Stage 3 [member] | Retail [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	983	1,105
Stage 3 [member] | Retail [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	190	213
Stage 3 [member] | Retail [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	20	18
Stage 3 [member] | Commercial [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3,135	2,958
Stage 3 [member] | Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	859	937
Stage 3 [member] | Commercial [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5
Stage 3 [member] | Commercial [member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5	6
Stage 3 [member] | Commercial [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,400	1,356
Stage 3 [member] | Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	309	608
Stage 3 [member] | Commercial [member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4
Stage 3 [member] | Commercial [member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	3
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	3,135	2,958
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	859	937
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Group [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	5	6
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1,400	1,356
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	309	608
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4
Stage 3 [member] | Commercial [member] | CMS 20-23 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	4	3
Stage 3 [member] | Other [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	28	49
Stage 3 [member] | Other [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	11
Stage 3 [member] | Other [member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | Other [member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	2
Stage 3 [member] | Other [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	28	49
Stage 3 [member] | Other [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	11
Stage 3 [member] | Other [member] | RMS 14 [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | Other [member] | RMS 14 [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	2
Stage 3 [member] | RMS [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	28	49
Stage 3 [member] | RMS [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	10	11
Stage 3 [member] | RMS [Member] | The Bank [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	2	3
Stage 3 [member] | RMS [Member] | The Bank [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	1	2
Purchased or originated credit-impaired [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,714	15,391
Purchased or originated credit-impaired [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	142	78
Purchased or originated credit-impaired [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	79	90
Purchased or originated credit-impaired [member] | Retail - Mortgages [member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,714	15,391
Purchased or originated credit-impaired [member] | Retail - Mortgages [member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	142	78
Purchased or originated credit-impaired [member] | Retail - Mortgages [member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	79	90
Purchased or originated credit-impaired [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,714	15,391
Purchased or originated credit-impaired [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	142	78
Purchased or originated credit-impaired [member] | Retail - Mortgages [member] | RMS 14 [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	79	90
Purchased or originated credit-impaired [member] | Retail [Member] | The Group [member] | Gross Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	13,714	15,391
Purchased or originated credit-impaired [member] | Retail [Member] | The Group [member] | Expected Credit Losses In Respect Of Drawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	142	78
Purchased or originated credit-impaired [member] | Retail [Member] | The Group [member] | Gross Undrawn Exposures [Member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Credit Quality of Assets [Line Items]
Loans and Advances to Customers	£ 79	£ 90

FINANCIAL RISK MANAGEMENT (De_5

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables - Loans and receivables, category [member] - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities		£ 3,808	£ 3,919
Asset-backed securities:
Corporate and other debt securities		1,518	1,178
The Group [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[1]	3,808	3,893
Asset-backed securities:
Corporate and other debt securities	[1]	1,517	1,176
The Group [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[2]		26
Asset-backed securities:
Corporate and other debt securities	[2]	1	2
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities		3,724	3,784
Asset-backed securities:
Corporate and other debt securities		1,517	1,176
Total debt securities held at amortised cost		5,241	4,960
The Bank [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[1]	3,724	3,784
Asset-backed securities:
Corporate and other debt securities	[1]	1,517	1,176
The Bank [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[2]
Asset-backed securities:
Corporate and other debt securities	[2]
Collateralized Mortgage Backed Securities [Member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities		2,934	3,271
Collateralized Mortgage Backed Securities [Member] | The Group [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[1]	2,934	3,262
Collateralized Mortgage Backed Securities [Member] | The Group [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[2]		9
Collateralized Mortgage Backed Securities [Member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities		2,926	3,263
Collateralized Mortgage Backed Securities [Member] | The Bank [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[1]	2,926	3,263
Collateralized Mortgage Backed Securities [Member] | The Bank [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[2]
Other asset-backed [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities		874	648
Other asset-backed [member] | The Group [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[1]	874	631
Other asset-backed [member] | The Group [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[2]		17
Other asset-backed [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities		798	521
Other asset-backed [member] | The Bank [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[1]	798	521
Other asset-backed [member] | The Bank [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities Classified as Loans and Receivables [Line Items]
Asset-backed securities	[2]
Debt securities held within loans and receivables [member] | The Group [member]
Asset-backed securities:
Gross exposure		5,326	5,097
Allowance for impairment losses		(1)	(2)
Total debt securities held at amortised cost		5,325	5,095
Debt securities held within loans and receivables [member] | The Group [member] | Investment Grade [member]
Asset-backed securities:
Gross exposure	[1]	5,325	5,069
Debt securities held within loans and receivables [member] | The Group [member] | Other [member]
Asset-backed securities:
Gross exposure	[2]	1	28
Debt securities held within loans and receivables [member] | The Bank [member]
Asset-backed securities:
Gross exposure		5,241	4,960
Debt securities held within loans and receivables [member] | The Bank [member] | Investment Grade [member]
Asset-backed securities:
Gross exposure	[1]	5,241	4,960
Debt securities held within loans and receivables [member] | The Bank [member] | Other [member]
Asset-backed securities:
Gross exposure	[2]
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: nil for the Group and nil for the Bank; 2018: 6 million for the Group and nil for the Bank) and not rated (2019: 1 million for the Group and nil for the Bank; 2018: 22 million for the Group and nil for the Bank).

FINANCIAL RISK MANAGEMENT (De_6

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) - Excluding equity share [member] - Financial assets available-for-sale, category [member] - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Government securities		£ 13,082	£ 18,971
Asset-backed securities		60	57
Corporate and other debt securities		11,036	5,119
Total debt securities		24,178	24,147
Treasury and other bills		439	221
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets		24,617	24,368
The Group [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Government securities	[1]	13,082	18,971
Corporate and other debt securities	[1]	11,036	4,934
Total debt securities	[1]	24,118	23,905
Treasury and other bills	[1]	439	221
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets	[1]	24,557	24,126
The Group [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Government securities	[2]
Asset-backed securities		60	57
Corporate and other debt securities	[2]		185
Total debt securities	[2]	60	242
Treasury and other bills	[2]
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets	[2]	60	242
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Government securities		12,938	18,831
Asset-backed securities			5
Corporate and other debt securities		8,783	4,151
Total debt securities		21,721	22,987
Treasury and other bills		439	221
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets		22,160	23,208
The Bank [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Government securities	[1]	12,938	18,831
Asset-backed securities	[1]
Corporate and other debt securities	[1]	8,783	4,151
Total debt securities	[1]	21,721	22,982
Treasury and other bills	[1]	439	221
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets	[1]	22,160	23,203
The Bank [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Government securities	[3]
Asset-backed securities	[3]		5
Corporate and other debt securities	[3]
Total debt securities	[3]		5
Treasury and other bills	[3]
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets	[3]		5
Including due from fellow Lloyds Banking Group undertakings | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Available-for-Sale Financial Assets (Excluding Equity Shares) [Line Items]
Total financial assets at fair value through other comprehensive income/available-for-sale financial assets		£ 22,160	£ 23,208
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 60 million; 2018: 52 million) and not rated (2019: nil; 2018: 190 million).
[3]	Other comprises sub-investment grade (2019: nil; 2018: nil) and not rated (2019: nil; 2018: 5 million).

FINANCIAL RISK MANAGEMENT (De_7

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss - Treasury shares [member] - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
		£ 337	£ 2,811
Investment Grade [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
	[1]	337	2,811
Other [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
	[2]
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
		337	2,853
Total held at fair value through profit or loss		337	2,853
The Group [member] | Debt securities, treasury, and other bills at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Government securities		290	2,293
Asset-backed securities			20
Corporate and other debt securities			22
Total held as trading assets		290	2,335
The Group [member] | Other assets held at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Corporate and other debt securities		47	518
Total debt securities		47	518
The Group [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
	[1]	337	2,853
The Group [member] | Investment Grade [member] | Debt securities, treasury, and other bills at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Government securities	[1]	290	2,293
Asset-backed securities			20
Corporate and other debt securities	[1]		22
Total held as trading assets	[1]	290	2,335
The Group [member] | Investment Grade [member] | Other assets held at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Corporate and other debt securities		47	518
Total debt securities	[1]	47	518
The Group [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
	[2]
The Group [member] | Other [member] | Debt securities, treasury, and other bills at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Government securities	[2]
Asset-backed securities	[2]
Corporate and other debt securities	[2]
Total held as trading assets	[2]
The Group [member] | Other [member] | Other assets held at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Corporate and other debt securities	[2]
Total debt securities	[2]
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Total held at fair value through profit or loss		337	2,811
The Bank [member] | Debt securities, treasury, and other bills at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Government securities		290	2,293
Total held as trading assets		290	2,293
The Bank [member] | Other assets held at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Corporate and other debt securities		47	518
Total other assets held at fair value through profit or loss		47	518
The Bank [member] | Investment Grade [member] | Debt securities, treasury, and other bills at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Government securities	[1]	290	2,293
Total held as trading assets	[1]	290	2,293
The Bank [member] | Investment Grade [member] | Other assets held at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Corporate and other debt securities	[1]	47	518
Total other assets held at fair value through profit or loss	[1]	47	518
The Bank [member] | Other [member] | Debt securities, treasury, and other bills at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Government securities	[2]
Total held as trading assets	[2]
The Bank [member] | Other [member] | Other assets held at fair value through profit or loss [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Debt Securities, Treasury and Other Bills Held at Fair Value Through Profit or Loss [Line Items]
Corporate and other debt securities	[2]
Total other assets held at fair value through profit or loss	[2]
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: nil; 2018: nil) and not rated (2019: nil; 2018: nil).

FINANCIAL RISK MANAGEMENT (De_8

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets - GBP (£) £ in Millions		Dec. 31, 2019		Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets [Line Items]
Trading and other		£ 6,798		£ 7,221
Hedging		1,105		1,483
		7,903		8,704
Due from fellow Lloyds Banking Group undertakings		591		2,589
Derivative financial instruments		8,494	[1]	11,293	[2]
The Group [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets [Line Items]
Trading and other	[1]	5,531		5,901
Hedging	[1]	1,047		1,467
	[1]	6,578		7,368
The Group [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets [Line Items]
Trading and other	[2]	1,267		1,320
Hedging	[2]	58		16
	[2]	1,325		1,336
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets [Line Items]
Trading and other		4,322		5,088
Hedging		179		400
		4,501		5,488
Due from fellow Lloyds Banking Group undertakings		9,137		9,943
Derivative financial instruments		13,638		15,431
The Bank [member] | Investment Grade [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets [Line Items]
Trading and other	[1]	4,113		4,563
Hedging	[1]	178		385
	[1]	4,291		4,948
The Bank [member] | Other [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Derivative Assets [Line Items]
Trading and other	[2]	209		525
Hedging	[2]	1		15
	[2]	£ 210		£ 540
[1]	Credit ratings equal to or better than 'BBB'.
[2]	Other comprises sub-investment grade (2019: 953 million for the Group and 135 million for the Bank; 2018: 1,282 million for the Group and 488 million for the Bank) and not rated (2019: 372 million for the Group and 75 million for the Bank; 2018: 54 million for the Group and 52 million for the Bank).

FINANCIAL RISK MANAGEMENT (De_9

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending - Residential Mortgage [Member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	£ 289,198	£ 288,235
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	51,351	53,991
Less than seventy percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	204,615	209,165
Less than seventy percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	42,482	45,373
Seventy percent to eighty percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	48,659	45,703
Seventy percent to eighty percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	5,445	5,226
Eighty percent to ninety percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	28,876	26,813
Eighty percent to ninety percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	2,730	2,623
Ninety percent to one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	6,103	5,462
Ninety percent to one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	583	616
Greater than one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	945	1,092
Greater than one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	111	153
Stage 1 [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	257,043	257,797
Stage 1 [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	46,904	49,299
Stage 1 [member] | Less than seventy percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	179,566	185,556
Stage 1 [member] | Less than seventy percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	39,054	41,695
Stage 1 [member] | Seventy percent to eighty percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	44,384	41,827
Stage 1 [member] | Seventy percent to eighty percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	4,848	4,668
Stage 1 [member] | Eighty percent to ninety percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	27,056	24,854
Stage 1 [member] | Eighty percent to ninety percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	2,428	2,333
Stage 1 [member] | Ninety percent to one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	5,663	4,957
Stage 1 [member] | Ninety percent to one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	516	527
Stage 1 [member] | Greater than one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	374	603
Stage 1 [member] | Greater than one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	58	76
Stage 2 [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	16,935	13,654
Stage 2 [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	3,889	4,048
Stage 2 [member] | Less than seventy percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	13,147	10,728
Stage 2 [member] | Less than seventy percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	3,004	3,193
Stage 2 [member] | Seventy percent to eighty percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	2,343	1,802
Stage 2 [member] | Seventy percent to eighty percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	529	483
Stage 2 [member] | Eighty percent to ninety percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	1,057	832
Stage 2 [member] | Eighty percent to ninety percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	264	247
Stage 2 [member] | Ninety percent to one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	199	164
Stage 2 [member] | Ninety percent to one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	49	68
Stage 2 [member] | Greater than one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	189	128
Stage 2 [member] | Greater than one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	43	57
Stage 3 [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	1,506	1,393
Stage 3 [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	558	644
Stage 3 [member] | Less than seventy percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	1,174	1,035
Stage 3 [member] | Less than seventy percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	424	485
Stage 3 [member] | Seventy percent to eighty percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	181	190
Stage 3 [member] | Seventy percent to eighty percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	68	75
Stage 3 [member] | Eighty percent to ninety percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	86	95
Stage 3 [member] | Eighty percent to ninety percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	38	43
Stage 3 [member] | Ninety percent to one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	34	39
Stage 3 [member] | Ninety percent to one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	18	21
Stage 3 [member] | Greater than one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	31	34
Stage 3 [member] | Greater than one hundred percent [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	10	20
Purchased or originated credit-impaired [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	13,714	15,391
Purchased or originated credit-impaired [member] | Less than seventy percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	10,728	11,846
Purchased or originated credit-impaired [member] | Seventy percent to eighty percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	1,751	1,884
Purchased or originated credit-impaired [member] | Eighty percent to ninety percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	677	1,032
Purchased or originated credit-impaired [member] | Ninety percent to one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	207	302
Purchased or originated credit-impaired [member] | Greater than one hundred percent [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Mortgage Lending [Line Items]
Loans and advances to customers	£ 351	£ 327

FINANCIAL RISK MANAGEMENT (D_10

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Securities Lending Transactions - Securities lending [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Securities Lending Transactions [Line Items]
Financial assets at fair value through profit or loss	£ 470	£ 723
Financial assets at fair value through other comprehensive income	854	1,025
	1,324	1,748
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Securities Lending Transactions [Line Items]
Financial assets at fair value through profit or loss	634	715
Financial assets at fair value through other comprehensive income	1,467	731
	£ 2,101	£ 1,446

FINANCIAL RISK MANAGEMENT (D_11

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities - Undiscounted future cash flow basis [member] - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	£ 24,108	£ 26,868
Customer deposits	402,179	391,976
Financial liabilities at fair value through profit or loss	14,942	27,063
Debt securities in issue	97,989	77,835
Other liabilities (lease liabilities)	1,977
Subordinated liabilities	17,534	19,668
Total non-derivative financial liabilities	558,729	543,410
Derivative financial liabilities	17,315	10,629
The Group [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	56,179	44,220
The Group [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(54,015)	(40,260)
The Group [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	2,164	3,960
The Group [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	15,151	6,669
The Group [member] | Not later than one month [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	4,099	1,938
Customer deposits	368,331	361,233
Financial liabilities at fair value through profit or loss	30	3,807
Debt securities in issue	4,174	4,714
Other liabilities (lease liabilities)	2
Subordinated liabilities	245	236
Total non-derivative financial liabilities	376,881	371,928
Derivative financial liabilities	16,178	6,015
The Group [member] | Not later than one month [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	2,492	1,161
The Group [member] | Not later than one month [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(968)	(924)
The Group [member] | Not later than one month [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	1,524	237
The Group [member] | Not later than one month [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	14,654	5,778
The Group [member] | Later than one month and not later than three months [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	2,302	2,401
Customer deposits	11,440	7,298
Financial liabilities at fair value through profit or loss	71	6,165
Debt securities in issue	8,186	5,580
Other liabilities (lease liabilities)	60
Subordinated liabilities	1,472	1,164
Total non-derivative financial liabilities	23,531	22,608
Derivative financial liabilities	401	167
The Group [member] | Later than one month and not later than three months [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	3,053	1,704
The Group [member] | Later than one month and not later than three months [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(2,636)	(1,528)
The Group [member] | Later than one month and not later than three months [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	417	176
The Group [member] | Later than one month and not later than three months [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(16)	(9)
The Group [member] | Later than three months and not later than twelve months [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	248	865
Customer deposits	11,861	12,066
Financial liabilities at fair value through profit or loss	298	5,389
Debt securities in issue	15,117	19,741
Other liabilities (lease liabilities)	187
Subordinated liabilities	1,711	953
Total non-derivative financial liabilities	29,422	39,014
Derivative financial liabilities	72	357
The Group [member] | Later than three months and not later than twelve months [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	10,815	6,503
The Group [member] | Later than three months and not later than twelve months [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(10,744)	(6,185)
The Group [member] | Later than three months and not later than twelve months [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	71	318
The Group [member] | Later than three months and not later than twelve months [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	1	39
The Group [member] | Later than one year and not later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	17,142	20,302
Customer deposits	9,271	9,825
Financial liabilities at fair value through profit or loss	1,330	931
Debt securities in issue	41,816	35,123
Other liabilities (lease liabilities)	793
Subordinated liabilities	7,593	6,871
Total non-derivative financial liabilities	77,945	73,052
Derivative financial liabilities	226	1,757
The Group [member] | Later than one year and not later than five years [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	25,935	21,645
The Group [member] | Later than one year and not later than five years [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(25,838)	(20,173)
The Group [member] | Later than one year and not later than five years [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	97	1,472
The Group [member] | Later than one year and not later than five years [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	129	285
The Group [member] | Later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	317	1,362
Customer deposits	1,276	1,554
Financial liabilities at fair value through profit or loss	13,213	10,771
Debt securities in issue	28,696	12,677
Other liabilities (lease liabilities)	935
Subordinated liabilities	6,513	10,444
Total non-derivative financial liabilities	50,950	36,808
Derivative financial liabilities	438	2,333
The Group [member] | Later than five years [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	13,884	13,207
The Group [member] | Later than five years [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(13,829)	(11,450)
The Group [member] | Later than five years [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	55	1,757
The Group [member] | Later than five years [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	383	576
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	7,520	5,507
Customer deposits	244,678	229,513
Financial liabilities at fair value through profit or loss	14,894	27,130
Debt securities in issue	81,640	62,304
Other liabilities (lease liabilities)	1,104
Subordinated liabilities	12,912	12,791
Total non-derivative financial liabilities	362,748	337,245
Derivative financial liabilities	12,311	8,365
The Bank [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	51,059	39,264
The Bank [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(49,564)	(35,692)
The Bank [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	1,495	3,572
The Bank [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	10,816	4,793
The Bank [member] | Not later than one month [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	3,933	1,860
Customer deposits	227,825	219,209
Financial liabilities at fair value through profit or loss	30	3,839
Debt securities in issue	3,323	4,181
Other liabilities (lease liabilities)	1
Subordinated liabilities	173	190
Total non-derivative financial liabilities	235,285	229,279
Derivative financial liabilities	11,238	4,501
The Bank [member] | Not later than one month [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	1,631	1,083
The Bank [member] | Not later than one month [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(932)	(884)
The Bank [member] | Not later than one month [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	699	199
The Bank [member] | Not later than one month [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	10,539	4,302
The Bank [member] | Later than one month and not later than three months [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	2,302	1,472
Customer deposits	9,620	4,845
Financial liabilities at fair value through profit or loss	71	6,216
Debt securities in issue	4,341	4,083
Other liabilities (lease liabilities)	35
Subordinated liabilities	1,416	416
Total non-derivative financial liabilities	17,785	17,032
Derivative financial liabilities	364	146
The Bank [member] | Later than one month and not later than three months [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	2,906	1,630
The Bank [member] | Later than one month and not later than three months [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(2,523)	(1,466)
The Bank [member] | Later than one month and not later than three months [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	383	164
The Bank [member] | Later than one month and not later than three months [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(19)	(18)
The Bank [member] | Later than three months and not later than twelve months [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	144	701
Customer deposits	4,727	3,956
Financial liabilities at fair value through profit or loss	298	5,434
Debt securities in issue	12,569	16,637
Other liabilities (lease liabilities)	109
Subordinated liabilities	1,572	487
Total non-derivative financial liabilities	19,419	27,215
Derivative financial liabilities	62	316
The Bank [member] | Later than three months and not later than twelve months [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	10,228	6,364
The Bank [member] | Later than three months and not later than twelve months [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(10,160)	(6,054)
The Bank [member] | Later than three months and not later than twelve months [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	68	310
The Bank [member] | Later than three months and not later than twelve months [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(6)	6
The Bank [member] | Later than one year and not later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	824	112
Customer deposits	1,330	693
Financial liabilities at fair value through profit or loss	1,330	887
Debt securities in issue	34,779	25,590
Other liabilities (lease liabilities)	446
Subordinated liabilities	6,254	5,706
Total non-derivative financial liabilities	44,963	32,988
Derivative financial liabilities	185	1,439
The Bank [member] | Later than one year and not later than five years [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	24,164	18,279
The Bank [member] | Later than one year and not later than five years [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(24,038)	(16,992)
The Bank [member] | Later than one year and not later than five years [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	126	1,287
The Bank [member] | Later than one year and not later than five years [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	59	152
The Bank [member] | Later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Deposits from banks	317	1,362
Customer deposits	1,176	810
Financial liabilities at fair value through profit or loss	13,165	10,754
Debt securities in issue	26,628	11,813
Other liabilities (lease liabilities)	513
Subordinated liabilities	3,497	5,992
Total non-derivative financial liabilities	45,296	30,731
Derivative financial liabilities	462	1,963
The Bank [member] | Later than five years [member] | Outflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	12,130	11,908
The Bank [member] | Later than five years [member] | Inflows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	(11,911)	(10,296)
The Bank [member] | Later than five years [member] | Net Flows [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	219	1,612
The Bank [member] | Later than five years [member] | Net settled derivative liabilities [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Maturities of Liabilities [Line Items]
Derivative financial liabilities	£ 243	£ 351

FINANCIAL RISK MANAGEMENT (D_12

FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	£ 2,570	£ 2,787
Commitments	116,434	118,514
Total contingents and commitments	119,004	121,301
The Group [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	116,263	117,781
The Group [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	171	733
The Group [member] | Not later than one year [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	1,439	1,356
Commitments	90,958	90,091
Total contingents and commitments	92,397	91,447
The Group [member] | Not later than one year [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	90,953	89,567
The Group [member] | Not later than one year [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	5	524
The Group [member] | Later than one year and not later than three years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	349	551
Commitments	11,827	12,465
Total contingents and commitments	12,176	13,016
The Group [member] | Later than one year and not later than three years [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	11,756	12,445
The Group [member] | Later than one year and not later than three years [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	71	20
The Group [member] | Later than three years and not later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	99	133
Commitments	10,614	11,567
Total contingents and commitments	10,713	11,700
The Group [member] | Later than three years and not later than five years [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	10,571	11,554
The Group [member] | Later than three years and not later than five years [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	43	13
The Group [member] | Later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	683	747
Commitments	3,035	4,391
Total contingents and commitments	3,718	5,138
The Group [member] | Later than five years [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	2,983	4,215
The Group [member] | Later than five years [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	52	176
The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	2,289	2,492
Commitments	52,549	57,897
Total contingents and commitments	54,838	60,389
The Bank [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	52,392	57,213
The Bank [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	157	684
The Bank [member] | Not later than one year [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	1,339	1,270
Commitments	30,732	33,291
Total contingents and commitments	32,071	34,561
The Bank [member] | Not later than one year [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	30,727	32,769
The Bank [member] | Not later than one year [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	5	522
The Bank [member] | Later than one year and not later than three years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	271	465
Commitments	9,877	10,568
Total contingents and commitments	10,148	11,033
The Bank [member] | Later than one year and not later than three years [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	9,806	10,548
The Bank [member] | Later than one year and not later than three years [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	71	20
The Bank [member] | Later than three years and not later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	99	133
Commitments	9,737	10,841
Total contingents and commitments	9,836	10,974
The Bank [member] | Later than three years and not later than five years [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	9,694	10,828
The Bank [member] | Later than three years and not later than five years [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	43	13
The Bank [member] | Later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	580	624
Commitments	2,203	3,197
Total contingents and commitments	2,783	3,821
The Bank [member] | Later than five years [member] | Lending commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	2,165	3,068
The Bank [member] | Later than five years [member] | Other commitments [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Commitments	38	129
Acceptances and endorsements [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	17	32
Acceptances and endorsements [member] | The Group [member] | Not later than one year [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	17	32
Acceptances and endorsements [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	16	31
Acceptances and endorsements [member] | The Bank [member] | Not later than one year [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	16	31
Other contingent liabilities [member] | The Group [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	2,553	2,755
Other contingent liabilities [member] | The Group [member] | Not later than one year [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	1,422	1,324
Other contingent liabilities [member] | The Group [member] | Later than one year and not later than three years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	349	551
Other contingent liabilities [member] | The Group [member] | Later than three years and not later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	99	133
Other contingent liabilities [member] | The Group [member] | Later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	683	747
Other contingent liabilities [member] | The Bank [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	2,273	2,461
Other contingent liabilities [member] | The Bank [member] | Not later than one year [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	1,323	1,239
Other contingent liabilities [member] | The Bank [member] | Later than one year and not later than three years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	271	465
Other contingent liabilities [member] | The Bank [member] | Later than three years and not later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	99	133
Other contingent liabilities [member] | The Bank [member] | Later than five years [member]
FINANCIAL RISK MANAGEMENT (Details) - Schedule of Amounts and Residual Maturities of the Group's Off Balance Sheet Contingent Liabilities and Commitments [Line Items]
Contingent Liabilities	£ 580	£ 624

CAPITAL (Details)

CAPITAL (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2020
CAPITAL (Details) [Line Items]
Required Ratio Of Capital To Risk-Weighted Assets	8.00%
Pillar 2A capital requirement	4.90%
Phase In Of Net Impact Or IFRS 9 On Capital Reserve	85.00%	70.00%
Minimum Leverage Ratio	3.25%
Required Ratio Of Time-Varying Countercyclical Capital Buffer To Leverage	0.30%
Minimum Time Until Maturity Of Tier 2 Capital	5 years
Common Equity Tier 1 [member]
CAPITAL (Details) [Line Items]
Required Ratio Of Capital To Risk-Weighted Assets	4.50%
Pillar 2A capital requirement	2.70%
Percentage of Minimum Leverage Ratio with specific capital requirements	75.00%
Tier 1 [member]
CAPITAL (Details) [Line Items]
Required Ratio Of Capital To Risk-Weighted Assets	6.00%
Required Ratio Of Capital Conservation Buffer To Risk-Weighted Assets	2.50%
Required Ratio Of Time-Varying Countercyclical Capital Buffer To Risk-Weighted Assets	0.90%
Systemic risk buffer [member]
CAPITAL (Details) [Line Items]
Required Ratio Of Capital To Risk-Weighted Assets	2.00%
Minimum Leverage Ratio	0.70%

CAPITAL (Details) - Transitiona

CAPITAL (Details) - Transitional capital resources - GBP (£) £ in Millions	Dec. 31, 2019	Dec. 31, 2018
CAPITAL (Details) - Transitional capital resources [Line Items]
Capital	£ 37,976	£ 38,481
Common Equity Tier 1 [member]
CAPITAL (Details) - Transitional capital resources [Line Items]
Capital	24,637	25,457
Additional Tier 1 [member]
CAPITAL (Details) - Transitional capital resources [Line Items]
Capital	6,905	5,937
Tier 2 [member]
CAPITAL (Details) - Transitional capital resources [Line Items]
Capital	£ 6,434	£ 7,087

CASH FLOW STATEMENTS (Details)

CASH FLOW STATEMENTS (Details) - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOW STATEMENTS (Details) [Line Items]
Cash and cash equivalents held by entity unavailable for use by group			£ 2,322
Group [member]
CASH FLOW STATEMENTS (Details) [Line Items]
IncreaseDecreaseInLeaseLiabilities	£ 43	£ 27	2
The Bank [member]
CASH FLOW STATEMENTS (Details) [Line Items]
IncreaseDecreaseInLeaseLiabilities	£ 20	£ 27	£ 4

CASH FLOW STATEMENTS (Details)

CASH FLOW STATEMENTS (Details) - Schedule of Change in Operating Assets - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Change in Operating Assets [Line Items]
Change in financial assets held at amortised cost	£ (11,832)	£ (10,338)	£ (25,178)
Changes in amounts due from fellow Lloyds Banking Group undertakings	24	4,827	810
Change in derivative financial instruments and financial assets at fair value through profit or loss	24,649	40,137	9,285
Change in other operating assets	63	(442)	(650)
Change in operating assets	12,904	34,184	(15,733)
The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Change in Operating Assets [Line Items]
Change in financial assets held at amortised cost	(5,482)	(992)	(2,832)
Changes in amounts due from fellow Lloyds Banking Group undertakings	(48,692)	9,875	(23,861)
Change in derivative financial instruments and financial assets at fair value through profit or loss	22,568	37,356	15,459
Change in other operating assets	63	295	69
Change in operating assets	£ (31,543)	£ 46,534	£ (11,165)

CASH FLOW STATEMENTS (Details_2

CASH FLOW STATEMENTS (Details) - Schedule of Change in Operating Liabilities - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Change in Operating Liabilities [Line Items]
Change in deposits from banks		£ (2,670)	£ (2,677)	£ 13,415
Change in customer deposits		5,593	(11,901)	2,935
Changes in amounts due to fellow Lloyds Banking Group undertakings		(8,142)	(5,466)	44
Change in debt securities in issue		11,898	4,730	(11,968)
Change in derivative financial instruments and financial liabilities at fair value through profit or loss		(11,527)	(45,383)	(12,677)
Change in investment contract liabilities			(353)	(4,665)
Change in other operating liabilities	[1]	(782)	(383)	(463)
Change in operating liabilities		(5,630)	(61,433)	(13,379)
The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Change in Operating Liabilities [Line Items]
Change in deposits from banks		1,802	(2,219)	(1,917)
Change in customer deposits		10,360	(5,258)	13,417
Changes in amounts due to fellow Lloyds Banking Group undertakings		28,016	(23,522)	12,812
Change in debt securities in issue		11,722	1,442	(6,079)
Change in derivative financial instruments and financial liabilities at fair value through profit or loss		(10,776)	(46,514)	(15,110)
Change in other operating liabilities	[1]	(1,823)	(648)	340
Change in operating liabilities		£ 39,301	£ (76,719)	£ 3,463
[1]	Includes 43 million (2018: 27 million; 2017: 2 million) for the Group and 20 million (2018: 27 million; 2017: 4 million) for the Bank in respect of lease liabilities.

CASH FLOW STATEMENTS (Details_3

CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Depreciation and amortisation		£ 2,602	£ 2,374		£ 2,370
Revaluation of investment properties		8	(46)		(230)
Allowance for loan losses		1,362	926	[1]	687	[1]
Write-off of allowance for loan losses, net of recoveries		(1,457)	(1,000)		(1,062)
Impairment charge relating to undrawn balances		(17)	(72)		(9)
Impairment of available-for-sale financial assets		1,380
Change in insurance contract liabilities			(1,520)		9,169
Other provision movements		(161)	(509)		(8)
Net charge (credit) in respect of defined benefit schemes		245	404		369
Unwind of discount on impairment allowances		(52)	(39)		(23)
Foreign exchange impact on balance sheet	[2]	420	(365)		209
Interest expense on subordinated liabilities		947	1,072		1,285
Loss (profit) on disposal of businesses		(107)	(1,010)
Other non-cash items		(295)	933		537
Total non-cash items		5,702	3,176		15,469
Contributions to defined benefit schemes		(1,069)	(868)		(587)
Payments in respect of payment protection insurance provision		(2,457)	(2,101)		(1,657)
Payments in respect of other regulatory provisions		(707)	(956)		(928)
Other			6
Total other items		(4,233)	(3,919)		(3,172)
Non-cash and other items		1,469	(743)		12,297
The Group [member] | Loans and Receivables [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Allowance for loan losses		1,380	1,012		691
The Group [member] | Financial assets available-for-sale, category [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Impairment of available-for-sale financial assets		(1)	(14)		6
The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Depreciation and amortisation		1,245	1,031		932
Permanent diminution in value of investment in subsidiaries		159	92		302
Dividends received from subsidiary undertakings		(1,434)	(4,968)		(4,479)
Allowance for loan losses		503	504	[1]	462	[1]
Write-off of allowance for loan losses, net of recoveries		(759)	(608)		(475)
Impairment charge relating to undrawn balances		14	(46)		(3)
Other provision movements		(43)	(413)		(48)
Additional capital injections to subsidiaries		(53)	(72)		(149)
Net charge (credit) in respect of defined benefit schemes		131	196		165
Unwind of discount on impairment allowances		(32)	(33)		(37)
Foreign exchange impact on balance sheet	[2]	(230)	(130)		718
Interest expense on subordinated liabilities		657	654		664
Loss (profit) on disposal of businesses			21		(555)
Other non-cash items		(142)	990		1,181
Total non-cash items		998	(1,796)		(196)
Contributions to defined benefit schemes		(563)	(455)		(401)
Payments in respect of payment protection insurance provision		(1,156)	(1,057)		(946)
Payments in respect of other regulatory provisions		(229)	(302)		(430)
Total other items		(1,948)	(1,814)		(1,777)
Non-cash and other items		(950)	(3,610)		(1,973)
The Bank [member] | Loans and Receivables [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Allowance for loan losses		490	553		465
The Bank [member] | Financial assets available-for-sale, category [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Impairment of available-for-sale financial assets		(1)	(2)
Payment Protection Insurance [member] | The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Charge for the year		1,795	1,395		1,300
Payment Protection Insurance [member] | The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Charge for the year		859	628		781
Other regulatory provisions [member] | The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Charge for the year		395	561		865
Other regulatory provisions [member] | The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Non-Cash and Other Items [Line Items]
Charge for the year		£ 137	£ 311		£ 342
[1]	Restated, see note 1.
[2]	When considering the movement on each line of the balance sheet, the impact of foreign exchange rate movements is removed in order to show the underlying cash impact.

CASH FLOW STATEMENTS (Details_4

CASH FLOW STATEMENTS (Details) - Schedule of Analysis of Cash and Cash Equivalents as Shown in the Balance Sheet - GBP (£) £ in Millions		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Analysis of Cash and Cash Equivalents as Shown in the Balance Sheet [Line Items]
Cash and balances with central banks		£ 38,880	£ 40,213
Less: mandatory reserve deposits	[1]	(3,177)	(2,541)
		35,703	37,672
Loans and advances to banks		4,852	3,692
Less: amounts with a maturity of three months or more		(1,941)	(1,641)
		2,911	2,051
Total cash and cash equivalents		38,614	39,723	£ 60,982
Cash and cash equivalents of continuing operations		38,614	39,723
The Group [member] | Previously stated [member]
CASH FLOW STATEMENTS (Details) - Schedule of Analysis of Cash and Cash Equivalents as Shown in the Balance Sheet [Line Items]
Cash and balances with central banks				58,521
Less: mandatory reserve deposits	[1]			(957)
				57,564
Loans and advances to banks				4,274
Loans and advances to banks within disposal group				2,337
Less: amounts with a maturity of three months or more				(3,193)
				3,418
Total cash and cash equivalents				60,982	£ 62,908
Cash and cash equivalents of continuing operations				58,645
Cash and cash equivalents in disposal group				2,337
The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Analysis of Cash and Cash Equivalents as Shown in the Balance Sheet [Line Items]
Cash and balances with central banks		35,741	37,632
Less: mandatory reserve deposits		(764)	(803)
		34,977	36,829
Loans and advances to banks		4,453	3,153
Less: amounts with a maturity of three months or more		(1,648)	(1,328)
		2,805	1,825
Total cash and cash equivalents		37,782	38,654	56,120
Cash and cash equivalents of continuing operations		£ 37,782	£ 38,654
The Bank [member] | Previously stated [member]
CASH FLOW STATEMENTS (Details) - Schedule of Analysis of Cash and Cash Equivalents as Shown in the Balance Sheet [Line Items]
Cash and balances with central banks				55,835
Less: mandatory reserve deposits				(535)
				55,300
Loans and advances to banks				3,611
Less: amounts with a maturity of three months or more				(2,791)
				820
Total cash and cash equivalents				56,120	£ 45,266
Cash and cash equivalents of continuing operations				£ 56,120
[1]	Mandatory reserve deposits are held with local central banks in accordance with statutory requirements; these deposits are not available to finance the Group's day-to-day operations.

CASH FLOW STATEMENTS (Details_5

CASH FLOW STATEMENTS (Details) - Schedule of Acquisition of Group Undertakings and Businesses - Business combinations [member] - GBP (£) £ in Millions		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019
The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Acquisition of Group Undertakings and Businesses [Line Items]
Cash and cash equivalents			£ 123
Loans and receivables: Loans and advances to customers			7,811
Available-for-sale financial assets			16
Intangible assets		£ 21	702
Property, plant and equipment			6
Other assets		6	414
Deposits from banks	[1]		(6,431)
Other liabilities		(1)	(927)
Goodwill arising on acquisition			302
Cash consideration		26	2,016
Less: Cash and cash equivalents acquired			(123)
Net cash outflow arising from acquisition of subsidiaries and businesses		26	1,893
Acquisition of and additional investment in joint ventures			20
Net cash outflow from acquisitions in the year		26	1,913
The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Acquisition of Group Undertakings and Businesses [Line Items]
Loans and receivables: Loans and advances to customers			7,311
Property, plant and equipment			1
Other assets			5
Customer deposits			(8,114)
Deposits from banks	[1]
Net balances with group undertakings			1,305
Other liabilities			(103)
Adjustment on vesting of businesses (note 24)			(278)
Investments in subsidiaries derecognised on vesting of businesses (note 24)			(127)
Investment in subsidiary acquired		98	2,026
Net cash outflow from acquisitions in the year		£ 98	£ 2,026
[1]	Upon acquisition in 2017, the funding of MBNA was assumed by the Bank.

CASH FLOW STATEMENTS (Details_6

CASH FLOW STATEMENTS (Details) - Schedule of Disposal and Closure of Group Undertakings and Businesses - Other disposals of assets [member] - GBP (£) £ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
The Group [member]
CASH FLOW STATEMENTS (Details) - Schedule of Disposal and Closure of Group Undertakings and Businesses [Line Items]
Financial assets at fair value through profit or loss		£ 125,379	£ 2,117
Loans and advances to customers		3,495	344
Due from fellow group undertakings		14,436	176
Derivative financial instruments		3,027
Investment property		3,639
Goodwill		1,836
Value of in-force business		4,902
Available-for-sale financial assets			375
Property, plant and equipment		48	11
		156,762	3,023
Customer deposits		(15,236)	(22)
Due to fellow Lloyds Banking Group undertakings		(2,584)	(1,706)
Derivative financial instruments		(2,762)
Liabilities from insurance and investment contracts		(117,021)
Subordinated liabilities		(2,494)
Non-controlling interests		(305)	(387)
Other net assets (liabilities)		(8,759)	50
		(149,161)	(2,065)
Net assets (liabilities) disposed of		7,601	958
Disposal of investment in joint ventures			26
Profit (loss) on sale of businesses	£ 107	1,010
Cash consideration received on losing control of group undertakings and businesses	107	8,611	984
Cash and cash equivalents disposed		(7)
Net cash inflow	107	8,604	984
The Bank [member]
CASH FLOW STATEMENTS (Details) - Schedule of Disposal and Closure of Group Undertakings and Businesses [Line Items]
Investment in subsidiary disposed of	20	7,725	37
Profit (loss) on sale of businesses		(21)	555
Cash consideration received on losing control of group undertakings and businesses	20	7,704	592
Net cash inflow	£ 20	£ 7,704	£ 592

ADOPTION OF IFRS 16 (Details)

ADOPTION OF IFRS 16 (Details) - Increase (Decrease) Due To Application Of IFRS 16 [Member] - Adoption of IFRS 16 [member] £ in Millions	Dec. 31, 2018GBP (£)
ADOPTION OF IFRS 16 (Details) [Line Items]
Operating Lease, Liability	£ 2,060
Lease liabilities	1,752
Short-term Lease Commitment, Amount	£ 20
Weighted average lessee's incremental borrowing rate applied to lease liabilities recognised at date of initial application of IFRS 16	2.43%
Operating Lease, Right-of-Use Asset	£ 1,655
Right-of-use assets [member]
ADOPTION OF IFRS 16 (Details) [Line Items]
Lease liabilities	£ 97