0001562762-20-000258.txt : 20200729 0001562762-20-000258.hdr.sgml : 20200729 20200729095548 ACCESSION NUMBER: 0001562762-20-000258 CONFORMED SUBMISSION TYPE: 6-K PUBLIC DOCUMENT COUNT: 92 CONFORMED PERIOD OF REPORT: 20200630 FILED AS OF DATE: 20200729 DATE AS OF CHANGE: 20200729 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BARCLAYS BANK PLC CENTRAL INDEX KEY: 0000312070 STANDARD INDUSTRIAL CLASSIFICATION: COMMERCIAL BANKS, NEC [6029] IRS NUMBER: 000000000 STATE OF INCORPORATION: X0 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 6-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-10257 FILM NUMBER: 201056054 BUSINESS ADDRESS: STREET 1: 1 CHURCHILL PLACE STREET 2: CANARY WHARF CITY: LONDON STATE: X0 ZIP: E14 5HP BUSINESS PHONE: 0044-20-3555-4619 MAIL ADDRESS: STREET 1: 1 CHURCHILL PLACE STREET 2: CANARY WHARF CITY: LONDON STATE: X0 ZIP: E14 5HP FORMER COMPANY: FORMER CONFORMED NAME: BARCLAYS BANK PLC /ENG/ DATE OF NAME CHANGE: 19990402 FORMER COMPANY: FORMER CONFORMED NAME: BARCLAYS BANK INTERNATIONAL LTD DATE OF NAME CHANGE: 19850313 6-K 1 bbplch120.htm 6-K bbplch120
 
 
 
 
 
UNITED
 
STATES
 
SECURITIES
 
AND
 
EXCHANGE
 
COMMISSION
 
Washington,
 
DC
 
20549
 
 
FORM
 
6-K
Report
 
of
 
Foreign
 
Private
 
Issuer
Pursuant
 
to
 
Rule
 
13a-16
 
or
 
15d-16
of
 
the
 
Securities
 
Exchange
 
Act
 
of
 
1934
 
July
 
29,
 
2020
 
Commission
 
File
 
Number:
 
001-10257
 
Barclays
 
Bank
 
PLC
(Name
 
of
 
Registrant)
 
1
 
Churchill
 
Place
London
 
E14
 
5HP
England
(Address
 
of
 
Principal
 
Executive
 
Office)
 
Interim
 
Results
 
Announcement
 
Indicate
 
by
 
check
 
mark
 
whether
 
the
 
registrant
 
files
 
or
 
will
 
file
 
annual
 
reports
 
under
 
cover
 
of
Form
 
20-F
 
or
 
Form
 
40-F.
Form
 
20-F
X
Form
 
40-F
 
Indicate
 
by
 
check
 
mark
 
whether
 
the
 
registrant
 
is
 
submitting
 
the
 
Form
 
6-K
 
in
 
paper
 
as
 
permitted
 
by
 
Regulation
 
S-T
 
Rule
 
101(b)(1):
____
Indicate
 
by
 
check
 
mark
 
whether
 
the
 
registrant
 
is
 
submitting
 
the
 
Form
 
6-K
 
in
 
paper
 
as
 
permitted
 
by
 
Regulation
 
S-T
 
Rule
 
101(b)(7):
____
This
 
report
 
on
 
Form
 
6-K
 
shall
 
be
 
deemed
 
to
 
be
 
incorporated
 
by
 
reference
 
in
 
the
 
registration
 
statemen
 
ts
 
on
 
Form
 
S-8
 
(No.
 
333-
153723,
 
333-167232,
 
333-173899,
 
333-183110,
 
333-195098,
 
333
 
-216361
 
and
 
333-225082)
 
and
 
Form
 
F-3
 
(333-212571
 
and
 
333-
232144)
 
of
 
Barclays
 
Bank
 
PLC
 
and
 
to
 
be
 
a
 
part
 
thereof
 
from
 
the
 
date
 
on
 
which
 
this
 
report
 
is
 
furnished,
 
to
 
the
 
extent
 
not
 
superseded
by
 
documents
 
or
 
reports
 
subsequently
 
filed
 
or
 
furnished.
 
 
bbplch120p2i0.gif
 
 
 
 
Barclays
 
Bank
 
PLC
 
1
 
 
The
 
Report
 
comprises
 
the
 
following:
 
 
Results
 
of
 
Barclays
 
Bank
 
PLC
 
Group
 
as
 
of,
 
and
 
for
 
the
 
six
 
months
 
ended,
 
30
 
June
 
2020.
 
A
 
table
 
setting
 
forth
 
the
 
issued
 
share
 
capital
 
of
 
Barclays
 
Bank
 
PLC
 
and
 
the
 
Barclays
 
Bank
 
PLC
 
Group’s
 
total
shareholders’
 
equity,
 
indebtedness
 
and
 
contingent
 
liabilities
 
as
 
at
 
30
 
June
 
2020,
 
the
 
most
 
recent
 
reported
statement
 
of
 
position,
 
and
 
updated
 
for
 
any
 
significant
 
or
 
material
 
items
 
since
 
that
 
reporting
 
date.
101.INS
 
XBRL
 
Instance
 
Document
101.SCH
 
XBRL
 
Taxonomy
 
Extension
 
Schema
101.CAL
 
XBRL
 
Taxonomy
 
Extension
 
Schema
 
Calculation
 
Linkbase
101.DEF
 
XBRL
 
Taxonomy
 
Extension
 
Schema
 
Definition
 
Linkbase
101.LAB
 
XBRL
 
Taxonomy
 
Extension
 
Schema
 
Label
 
Linkbase
101.PRE
 
XBRL
 
Taxonomy
 
Extension
 
Schema
 
Presentation
 
Linkbase
 
 
bbplch120p2i0.gif
 
 
 
 
 
Barclays
 
Bank
 
PLC
 
2
 
 
 
SIGNATURES
Pursuant
 
to
 
the
 
requirements
 
of
 
the
 
Securities
 
Exchange
 
Act
 
of
 
1934,
 
the
 
registrant
 
has
 
duly
 
caused
 
this
 
report
 
to
 
be
 
signed
 
on
 
its
behalf
 
by
 
the
 
undersigned,
 
thereunto
 
duly
 
authorised.
 
BARCLAYS
 
BANK
 
PLC
(Registrant)
Date:
 
July
 
29,
 
2020
By:
/s/
 
Garth
 
Wright
Name:
 
Garth
 
Wright
Title:
 
Assistant
 
Secretary
 
 EX-99.1 2 h120ex991.htm EX-99.1 h120ex991
 
bbplch120p2i0.gif
 
 
 
 
 
Barclays
 
Bank
 
PLC
 
1
 
 
Exhibit
 
99.1
Barclays
 
Bank
 
PLC
 
This
 
exhibit
 
includes
 
portions
 
from
 
the
 
previously
 
published
 
Results
 
Announcement
 
of
 
Barclays
 
Bank
 
PLC
 
relating
 
to
 
the
 
six
 
months
ended
 
30
 
June
 
2020,
 
as
 
amended
 
in
 
part
 
to
 
comply
 
with
 
the
 
requirements
 
of
 
Regulation
 
G
 
and
 
Item
 
10(e)
 
of
 
Regulation
 
S-K
promulgated
 
by
 
the
 
US
 
Securities
 
and
 
Exchange
 
Commission
 
(SEC),
 
including
 
the
 
reconciliation
 
of
 
certain
 
financial
 
information
 
to
comparable
 
measures
 
prepared
 
in
 
accordance
 
with
 
International
 
Financial
 
Reporting
 
Standards
 
(IFRS).
 
The
 
purpose
 
of
 
this
document
 
is
 
to
 
provide
 
such
 
additional
 
disclosure
 
as
 
required
 
by
 
Regulation
 
G
 
and
 
Regulation
 
S-K
 
item
 
10(e),
 
to
 
delete
 
certain
information
 
not
 
in
 
compliance
 
with
 
SEC
 
regulations
 
and
 
to
 
include
 
reconcil
 
iations
 
of
 
certain
 
non-IFRS
 
figures
 
to
 
the
 
most
 
directly
equivalent
 
IFRS
 
figures
 
for
 
the
 
periods
 
presented.
 
This
 
document
 
does
 
not
 
update
 
or
 
otherwise
 
supplement
 
the
 
information
contained
 
in
 
the
 
previously
 
published
 
Results
 
Announcement.
 
Any
 
reference
 
to
 
a
 
website
 
in
 
this
 
document
 
is
 
made
 
for
informational
 
purposes
 
only,
 
and
 
information
 
found
 
at
 
such
 
websites
 
is
 
not
 
incorporated
 
by
 
reference
 
into
 
this
 
document.
 
An
 
audit
 
opinion
 
has
 
not
 
been
 
rendered
 
in
 
respect
 
of
 
this
 
document.
 
 
bbplch120p2i0.gif
 
Table
 
of
 
Contents
 
 
 
 
Barclays
 
Bank
 
PLC
 
2
 
 
Results
 
Announcement
Page
3
4
Risk
 
Management
●
 
 
6
●
 
 
8
●
 
 
16
●
 
 
17
Condensed
 
Consolidated
 
Financial
 
Statements
 
19
25
45
46
69
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BARCLAYS
 
BANK
 
PLC,
 
1
 
CHURCHILL
 
PLACE,
 
LONDON,
 
E14
 
5HP,
 
UNITED
 
KINGDOM.
 
TELEPHONE:
 
+44
 
(0)
 
20
 
7116
 
1000.
 
COMPANY
 
NO.
 
1026167.
 
 
bbplch120p2i0.gif
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
3
 
 
The
 
term
 
Barclays
 
Bank
 
Group
 
refers
 
to
 
Barclays
 
Bank
 
PLC
 
together
 
with
 
its
 
subsidiaries.
 
Unless
 
otherwise
 
stated,
 
the
 
income
 
statement
 
analysis
 
compares
the
 
six
 
months
 
ended
 
30
 
June
 
2020
 
to
 
the
 
corresponding
 
six
 
months
 
of
 
2019
 
and
 
balance
 
sheet
 
analysis
 
as
 
at
 
30
 
June
 
2020
 
with
 
comparatives
 
relating
 
to
 
31
December
 
2019.
 
The
 
abbreviations
 
‘£m’
 
and
 
‘£bn’
 
represent
 
millions
 
and
 
thousands
 
of
 
millions
 
of
 
Pounds
 
Sterling
 
respectively;
 
the
 
abbreviations
 
‘$m’
 
and
‘$bn’
 
represent
 
millions
 
and
 
thousands
 
of
 
millions
 
of
 
US
 
Dollars
 
respectively;
 
and
 
the
 
abbreviations
 
‘€m’
 
and
 
‘€bn’
 
represent
 
millions
 
and
 
thousands
 
of
millions
 
of
 
Euros
 
respectively.
There
 
are
 
a
 
number
 
of
 
key
 
judgement
 
areas,
 
for
 
example
 
impairment
 
calculations,
 
which
 
are
 
based
 
on
 
models
 
and
 
which
 
are
 
subject
 
to
 
ongoing
 
adjustment
and
 
modifications.
 
Reported
 
numbers
 
reflect
 
best
 
estimates
 
and
 
judgements
 
at
 
the
 
given
 
point
 
in
 
time.
Relevant
 
terms
 
that
 
are
 
used
 
in
 
this
 
document
 
but
 
are
 
not
 
defined
 
under
 
applicable
 
regulatory
 
guidance
 
or
 
International
 
Financial
 
Reporting
 
Standards
 
(IFRS)
are
 
explained
 
in
 
the
 
results
 
glossary
 
that
 
can
 
be
 
accessed
 
at
 
home.barclays/investor
 
-relations/reports-and-events/latest-financial-results.
The
 
information
 
in
 
this
 
announcement,
 
which
 
was
 
approved
 
by
 
the
 
Board
 
of
 
Directors
 
on
 
28
 
July
 
2020,
 
does
 
not
 
comprise
 
statutory
 
accounts
 
within
 
the
meaning
 
of
 
Section
 
434
 
of
 
the
 
Companies
 
Act
 
2006.
 
Statutory
 
accounts
 
for
 
the
 
year
 
ended
 
31
 
December
 
2019,
 
which
 
contained
 
an
 
unmodified
 
audit
 
report
under
 
Section
 
495
 
of
 
the
 
Companies
 
Act
 
2006
 
(which
 
did
 
not
 
make
 
any
 
statements
 
under
 
Section
 
498
 
of
 
the
 
Companies
 
Act
 
2006)
 
have
 
been
 
delivered
 
to
 
the
Registrar
 
of
 
Companies
 
in
 
accordance
 
with
 
Section
 
441
 
of
 
the
 
Companies
 
Act
 
2006.
Barclays
 
Bank
 
Group
 
is
 
a
 
frequent
 
issuer
 
in
 
the
 
debt
 
capital
 
markets
 
and
 
regularly
 
meets
 
with
 
investors
 
via
 
formal
 
road-shows
 
and
 
other
 
ad
 
hoc
 
meetings.
Consistent
 
with
 
its
 
usual
 
practice,
 
Barclays
 
Bank
 
Group
 
expects
 
that
 
from
 
time
 
to
 
time
 
over
 
the
 
coming
 
half
 
year
 
it
 
will
 
meet
 
with
 
investors
 
globally
 
to
 
discuss
these
 
results
 
and
 
other
 
matters
 
relating
 
to
 
the
 
Barclays
 
Bank
 
Group.
 
Forward
 
-looking
 
statements
This
 
document
 
contains
 
certain
 
forward-looking
 
statements
 
within
 
the
 
meaning
 
of
 
Section
 
21E
 
of
 
the
 
US
 
Securities
 
Exchange
 
Act
 
of
 
1934,
 
as
 
amended,
 
and
Section
 
27A
 
of
 
the
 
US
 
Securities
 
Act
 
of
 
1933,
 
as
 
amended,
 
with
 
respect
 
to
 
the
 
Barclays
 
Bank
 
Group.
 
Barclays
 
cautions
 
readers
 
that
 
no
 
forward
 
-looking
statement
 
is
 
a
 
guarantee
 
of
 
future
 
performance
 
and
 
that
 
actual
 
results
 
or
 
other
 
financial
 
condition
 
or
 
performance
 
measures
 
could
 
differ
 
materially
 
from
those
 
contained
 
in
 
the
 
forward
 
-looking
 
statements.
 
These
 
fo
 
rward
 
-looking
 
statements
 
can
 
be
 
identified
 
by
 
the
 
fact
 
that
 
they
 
do
 
not
 
relate
 
only
 
to
 
historical
 
or
current
 
facts.
 
Forward-looking
 
statements
 
sometimes
 
use
 
words
 
such
 
as
 
‘may’,
 
‘will’,
 
‘seek’,
 
‘continue’,
 
‘aim’,
 
‘anticipate’,
 
‘target’,
 
‘projected’,
 
‘expec
 
t’,
‘estimate’,
 
‘intend’,
 
‘plan’,
 
‘goal’,
 
‘believe’,
 
‘achieve’
 
or
 
other
 
words
 
of
 
similar
 
meaning.
 
Forward-looking
 
statements
 
can
 
be
 
made
 
in
 
writing
 
but
 
also
 
may
 
be
made
 
verbally
 
by
 
members
 
of
 
the
 
management
 
of
 
the
 
Barclays
 
Bank
 
Group
 
(including,
 
without
 
limitation,
 
during
 
management
 
presentations
 
to
 
financial
analysts)
 
in
 
connection
 
with
 
this
 
document.
 
Examples
 
of
 
forward
 
-looking
 
statements
 
include,
 
among
 
others,
 
statements
 
or
 
guidance
 
regarding
 
or
 
relating
 
to
the
 
Barclays
 
Bank
 
Group’s
 
future
 
financial
 
position,
 
income
 
growth,
 
assets,
 
impairment
 
charges,
 
provisions,
 
business
 
strategy,
 
capital,
 
leverage
 
and
 
other
regulatory
 
ratios,
 
payment
 
of
 
dividends
 
(including
 
dividend
 
payout
 
ratios
 
and
 
expected
 
payment
 
strategies),
 
projected
 
levels
 
of
 
growth
 
in
 
the
 
banking
 
and
financial
 
markets,
 
projected
 
costs
 
or
 
savings,
 
any
 
commitments
 
and
 
targets,
 
estimates
 
of
 
capital
 
expenditures,
 
plans
 
and
 
objectives
 
for
 
future
 
operations,
projected
 
employee
 
numbers,
 
IFRS
 
impacts
 
and
 
other
 
statements
 
that
 
are
 
not
 
historical
 
fact.
 
By
 
their
 
nature,
 
forward
 
-looking
 
statements
 
involve
 
risk
 
and
uncertainty
 
because
 
they
 
relate
 
to
 
future
 
events
 
and
 
circumstances.
 
The
 
forward
 
-looking
 
statements
 
speak
 
only
 
as
 
at
 
the
 
date
 
on
 
which
 
they
 
are
 
made
 
and
such
 
statements
 
may
 
be
 
affected
 
by
 
changes
 
in
 
legislation,
 
the
 
development
 
of
 
standards
 
and
 
interpretations
 
under
 
IFRS,
 
including
 
evolving
 
practices
 
with
regard
 
to
 
the
 
interpretation
 
and
 
application
 
of
 
accounting
 
and
 
regulatory
 
standards,
 
the
 
outcome
 
of
 
current
 
and
 
future
 
legal
 
proceedings
 
and
 
regulatory
investigations,
 
future
 
levels
 
of
 
conduct
 
provisions,
 
the
 
policies
 
and
 
actions
 
of
 
governmental
 
and
 
regulatory
 
authorities,
 
geopolitical
 
risks
 
and
 
the
 
impact
 
of
competition.
 
In
 
addition,
 
factors
 
including
 
(but
 
not
 
limited
 
to)
 
the
 
following
 
may
 
have
 
an
 
effect:
 
capital,
 
leverage
 
and
 
other
 
regulatory
 
rules
 
applicable
 
to
 
past,
current
 
and
 
future
 
periods;
 
UK,
 
US,
 
Eurozone
 
and
 
global
 
macroeconomic
 
and
 
business
 
conditions;
 
the
 
effects
 
of
 
any
 
volatility
 
in
 
credit
 
markets;
 
market
related
 
risks
 
such
 
as
 
changes
 
in
 
interest
 
rates
 
and
 
foreign
 
exchange
 
rates;
 
effects
 
of
 
changes
 
in
 
valuation
 
of
 
credit
 
market
 
exposures;
 
changes
 
in
 
valuation
 
of
issued
 
securities;
 
volatility
 
in
 
capital
 
markets;
 
changes
 
in
 
credit
 
ratings
 
of
 
any
 
entity
 
within
 
the
 
Barclays
 
Bank
 
Group
 
or
 
any
 
securities
 
issued
 
by
 
such
 
entities;
direct
 
and
 
indirect
 
impacts
 
of
 
the
 
coronavirus
 
(COVID-19)
 
pandemic;
 
instability
 
as
 
a
 
result
 
of
 
the
 
exit
 
by
 
the
 
UK
 
from
 
the
 
European
 
Union
 
and
 
the
 
disruption
that
 
may
 
subsequently
 
result
 
in
 
the
 
UK
 
and
 
globally;
 
and
 
the
 
success
 
of
 
future
 
acquisitions,
 
disposals
 
and
 
other
 
strategic
 
transactions.
 
A
 
number
 
of
 
these
influences
 
and
 
factors
 
are
 
beyond
 
the
 
Barclays
 
Bank
 
Group’s
 
control.
 
As
 
a
 
result,
 
the
 
Barclays
 
Bank
 
Group’s
 
actual
 
financial
 
position,
 
future
 
results,
 
dividend
payments,
 
capital,
 
leverage
 
or
 
other
 
regulatory
 
ratios
 
or
 
other
 
financial
 
and
 
non-financial
 
metrics
 
or
 
performance
 
measures
 
may
 
differ
 
materially
 
from
 
the
statements
 
or
 
guidance
 
set
 
forth
 
in
 
the
 
Barclays
 
Bank
 
Group’s
 
forward
 
-looking
 
statements.
 
Additional
 
risks
 
and
 
factors
 
which
 
may
 
impact
 
the
 
Barclays
 
Bank
Group’s
 
future
 
financial
 
condition
 
and
 
performance
 
are
 
identified
 
in
 
our
 
filings
 
with
 
the
 
SEC
 
(including,
 
without
 
limitation,
 
our
 
Annual
 
Report
 
on
 
Form
 
20-F
 
for
the
 
fiscal
 
year
 
ended
 
31
 
December
 
2019
 
and
 
our
 
2020
 
Interim
 
Results
 
Announcement
 
for
 
the
 
six
 
months
 
ended
 
30
 
June
 
2020
 
filed
 
on
 
Form
 
6-K),
 
which
 
are
available
 
on
 
the
 
SEC’s
 
website
 
at
 
www.sec.gov.
Subject
 
to
 
our
 
obligations
 
under
 
the
 
applicable
 
laws
 
and
 
regulations
 
of
 
any
 
relevant
 
jurisdiction,
 
(including,
 
without
 
limitation,
 
the
 
UK
 
and
 
the
 
US),
 
in
 
relation
to
 
disclosure
 
and
 
ongoing
 
information,
 
we
 
undertake
 
no
 
obligation
 
to
 
update
 
publicly
 
or
 
revise
 
any
 
forward
 
-looking
 
statements,
 
whether
 
as
 
a
 
result
 
of
 
new
information,
 
future
 
events
 
or
 
otherwise.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Review
 
 
 
 
 
Barclays
 
Bank
 
PLC
 
4
 
 
Barclays
 
Bank
 
Group
 
results
for
 
the
 
half
 
year
 
ended
30.06.20
30.06.19
£m
£m
%
 
Change
Total
 
income
8,637
7,122
21
Credit
 
impairment
 
charges
(2,674)
(510)
 
Net
 
operating
 
income
5,963
6,612
(10)
Operating
 
expenses
(4,548)
(4,842)
6
Litigation
 
and
 
conduct
(19)
(68)
72
Total
 
operating
 
expenses
(4,567)
(4,910)
7
Other
 
net
 
income
127
23
 
Profit
 
before
 
tax
 
1,523
1,725
(12)
Tax
 
charge
(230)
(260)
12
Profit
 
after
 
tax
1,293
1,465
(12)
Other
 
equity
 
instrument
 
holders
(333)
(294)
(13)
Attributable
 
profit
960
1,171
(18)
As
 
at
 
30.06.20
As
 
at
 
31.12.19
Balance
 
sheet
 
information
£bn
£bn
Cash
 
and
 
balances
 
at
 
central
 
banks
155.8
125.9
Cash
 
collateral
 
and
 
settlement
 
assets
130.9
79.5
Loans
 
and
 
advances
 
at
 
amortised
 
cost
150.2
141.6
Trading
 
portfolio
 
assets
109.5
113.3
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
 
statement
155.5
129.5
Derivative
 
financial
 
instrument
 
assets
307.7
229.6
Total
 
assets
1,096.0
876.7
Deposits
 
at
 
amortised
 
cost
245.7
213.9
Cash
 
collateral
 
and
 
settlement
 
liabilities
113.3
67.7
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
222.1
204.4
Derivative
 
financial
 
instrument
 
liabilities
308.0
228.9
As
 
at
 
30.06.20
As
 
at
 
31.12.19
Capital
 
and
 
liquidity
 
metrics
£bn
£bn
Common
 
equity
 
tier
 
1
 
(CET1)
 
ratio
1,2
14.3%
13.9%
Barclays
 
Bank
 
PLC
 
DoLSub
 
liquidity
 
coverage
 
ratio
166%
141%
Barclays
 
Bank
 
Group
 
liquidity
 
pool
234
169
 
1
 
Barclays
 
Bank
 
PLC
 
is
 
currently
 
regulated
 
by
 
the
 
Prudential
 
Regulation
 
Authority
 
(PRA)
 
on
 
a
 
solo-consolidated
 
basis.
 
The
 
disclosure
 
above
 
provides
 
a
 
capital
 
metric
 
for
Barclays
 
Bank
 
PLC
 
solo-consolidated
 
.
 
For
 
further
 
information,
 
refer
 
to
 
Treasury
 
and
 
Capital
 
Risk
 
on
 
page
 
17.
2
 
The
 
CET
 
1
 
ratio
 
is
 
calculated
 
applying
 
the
 
IFRS
 
9
 
transitional
 
arrangement
 
of
 
the
 
Capital
 
Requirements
 
Regulation
 
(CRR)
 
as
 
amended
 
by
 
the
 
Capital
 
Requirements
Regulation
 
II
 
(CRR
 
II)
 
applicable
 
as
 
at
 
the
 
reporting
 
date
 
.
 
For
 
further
 
information
 
on
 
the
 
implementation
 
of
 
CRR
 
II
 
see
 
page
 
17.
 
Barclays
 
Bank
 
Group
 
Overview
Barclays
 
Bank
 
PLC
 
is
 
the
 
non-ring
 
-fenced
 
bank
 
which
 
forms
 
part
 
of
 
the
 
Barclays
 
Group
 
and
 
consists
 
of
 
Corporate
 
and
 
Investment
Bank
 
(CIB),
 
Consumer,
 
Cards
 
and
 
Payments
 
(CC&P)
 
and
 
Head
 
Office.
Group
 
performance
Barclays
 
Bank
 
PLC
 
continued
 
to
 
support
 
its
 
customers
 
and
 
clients
 
through
 
the
 
COVID
 
-19
 
pandemic
 
by
 
providing
 
or
 
facilitating
lending,
 
through
 
the
 
range
 
of
 
support
 
programmes
 
which
 
have
 
been
 
introduced,
 
as
 
well
 
as
 
enabling
 
the
 
raising
 
of
 
debt
 
and
 
equity
financing
 
in
 
the
 
capital
 
markets
 
.
 
Support
 
actions,
 
including
 
over
 
200k
 
payment
 
holidays,
 
have
 
also
 
been
 
introduced
 
to
 
help
customers
 
and
 
clients
 
through
 
the
 
difficulties
 
they
 
may
 
be
 
experiencing.
Profit
 
before
 
tax
 
decreased
 
12%
 
to
 
£1,523m
 
driven
 
by
 
a
 
£1,105m
 
decrease
 
in
 
CC&P
 
to
 
a
 
loss
 
before
 
tax
 
of
 
£503m.
 
This
 
was
 
partially
offset
 
by
 
a
 
£750m
 
increase
 
in
 
CIB
 
to
 
£2,203m
 
and
 
a
 
lower
 
loss
 
in
 
Head
 
Office
 
of
 
£177m
 
(H119:
 
£330m).
●
 
Total
 
income
 
increased
 
21%
 
to
 
£8,637m
–
 
CIB
 
income
 
increased
 
35%
 
to
 
£6,973m
 
driven
 
by
 
a
 
73%
 
increase
 
in
 
Markets,
 
reflecting
 
increased
 
client
 
activity,
 
spread
widening
 
and
 
higher
 
levels
 
of
 
volatility,
 
an
 
8%
 
increase
 
in
 
Banking
 
fees,
 
partially
 
offset
 
by
 
a
 
17%
 
decline
 
in
 
Corporate
 
due
 
to
the
 
impact
 
of
 
losses
 
on
 
fair
 
value
 
lending
 
positions
 
and
 
losses
 
on
 
mark
 
-to
 
-market
 
and
 
carry
 
costs
 
on
 
related
 
hedges
 
in
 
H120
 
 
bbplch120p2i0.gif
Financial
 
Review
 
 
 
 
 
Barclays
 
Bank
 
PLC
 
5
 
 
–
 
CC&P
 
income
 
decreased
 
21%
 
to
 
£1,742m
 
as
 
the
 
impacts
 
of
 
the
 
COVID
 
-19
 
pandemic
 
resulted
 
in
 
lower
 
balances
 
on
 
co-
branded
 
cards,
 
margin
 
compression
 
and
 
reduced
 
payments
 
activity.
 
Q220
 
included
 
a
 
c.£100m
 
valuation
 
loss
 
on
 
Barclays’
preference
 
shares
 
in
 
Visa
 
Inc.
 
resulting
 
from
 
the
 
Q220
 
Supreme
 
Court
 
ruling
 
concerning
 
charges
 
paid
 
by
 
merchants
–
 
Head
 
Office
 
income
 
expense
 
improved
 
by
 
65%
 
to
 
£78m
 
mainly
 
driven
 
by
 
lower
 
legacy
 
capital
 
funding
 
costs
●
 
Credit
 
impairment
 
charges
 
increased
 
to
 
£2,674m
 
(H119:
 
£510m)
–
 
CIB
 
credit
 
impairment
 
charges
 
increased
 
to
 
£1,320m
 
(H119:
 
£96m),
 
reflecting
 
£591m
 
in
 
respect
 
of
 
single
 
name
 
wholesale
loan
 
charges
 
and
 
impacts
 
from
 
the
 
COVID
 
-19
 
scenarios
1
,
 
partially
 
offset
 
by
 
the
 
estimated
 
impact
 
of
 
central
 
bank,
government
 
and
 
other
 
support
 
measures
–
 
CC&P
 
credit
 
impairment
 
charges
 
increased
 
to
 
£1,299m
 
(H119:
 
£396m)
 
reflecting
 
the
 
impact
 
from
 
the
 
revised
 
COVID
 
-19
scenarios,
 
partially
 
offset
 
by
 
the
 
estimated
 
impact
 
of
 
central
 
bank,
 
government
 
and
 
other
 
support
 
measures
–
 
Head
 
Office
 
credit
 
impairment
 
charges
 
increased
 
to
 
£55m
 
(H119:
 
£18m)
 
due
 
to
 
impacts
 
from
 
the
 
COVID
 
-19
 
scenarios
 
on
the
 
Italian
 
home
 
loan
 
portfolio
●
 
Total
 
operating
 
expenses
 
decreased
 
7%
 
to
 
£4,567m
 
–
 
CIB
 
total
 
operating
 
expenses
 
decreased
 
4%
 
to
 
£3,462m
 
due
 
to
 
cost
 
efficiencies
 
and
 
discipline
 
in
 
the
 
current
 
environment
–
 
CC&P
 
total
 
operating
 
expenses
 
decre
 
ased
 
12%
 
to
 
£1,061m
 
reflecting
 
cost
 
efficiencies
 
and
 
lower
 
marketing
 
spend
 
due
 
to
 
the
impacts
 
of
 
the
 
COVID
 
-19
 
pandemic
–
 
Head
 
Office
 
total
 
operating
 
expenses
 
decreased
 
48%
 
to
 
£44m
 
due
 
to
 
lower
 
litigation
 
and
 
conduct
 
charges
●
 
Other
 
net
 
income
 
increased
 
£104m
 
to
 
£127m
 
reflecting
 
gains
 
on
 
disposals
 
following
 
the
 
sale
 
of
 
a
 
number
 
of
 
subsidiaries
 
within
the
 
Barclays
 
Group
●
 
The
 
tax
 
charge
 
for
 
H120
 
was
 
£230m
 
(H119:
 
£260m),
 
representing
 
an
 
effective
 
tax
 
rate
 
of
 
15.1%
 
(H119:
 
15.1%)
 
Balance
 
sheet,
 
capital
 
and
 
liquidity
 
●
 
Cash
 
and
 
balances
 
at
 
central
 
banks
 
increased
 
£29.9bn
 
to
 
£155.8bn
 
within
 
the
 
liquidity
 
pool
●
 
Cash
 
collateral
 
and
 
settlement
 
assets
 
and
 
liabilities
 
increased
 
£51.4bn
 
to
 
£130.9bn
 
and
 
£45.6bn
 
to
 
£113.3bn
 
respectively
predominantly
 
due
 
to
 
increased
 
activity
●
 
Loans
 
and
 
advances
 
increased
 
£8.6bn
 
to
 
£150.2bn
 
due
 
to
 
increased
 
lending
 
within
 
CIB,
 
partially
 
offset
 
by
 
lower
 
card
 
balances
 
in
CC&P
●
 
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
 
statement
 
increased
 
£26.0bn
 
to
 
£155.5bn
 
driven
 
by
 
increased
 
secured
 
lending
●
 
Derivative
 
financial
 
instrument
 
assets
 
and
 
liabilities
 
increased
 
£78.1bn
 
to
 
£307.7bn
 
and
 
£79.1bn
 
to
 
£308.0bn
 
respectively
driven
 
by
 
a
 
decrease
 
in
 
major
 
interest
 
rate
 
curves
 
and
 
increased
 
trading
 
volumes
●
 
Deposits
 
at
 
amortised
 
cost
 
increased
 
£31.8bn
 
to
 
£245.7bn
 
due
 
to
 
CIB
 
clients
 
increasing
 
liquidity
●
 
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
 
increased
 
£17.7bn
 
to
 
£222.1bn
 
driven
 
by
 
increased
 
secured
 
borrowing
●
 
The
 
Barclays
 
Bank
 
PLC
 
solo-consolidated
 
CET1
 
ratio
 
as
 
at
 
30
 
June
 
2020
 
was
 
14.3%,
 
which
 
is
 
above
 
regulatory
 
capital
 
minimum
requirements
●
 
The
 
Barclays
 
Bank
 
Group
 
liquidity
 
pool
 
increased
 
to
 
£234bn
 
(December
 
2019:
 
£169bn)
 
driven
 
by
 
customer
 
deposit
 
growth
 
and
actions
 
to
 
maintain
 
a
 
prudent
 
funding
 
and
 
liquidity
 
position
 
in
 
the
 
current
 
environment
 
 
1.
 
See
 
Measurement
 
uncertainty,
 
page
 
10,
 
for
 
a
 
description
 
of
 
the
 
COVID
 
-19
 
Scenarios.
 
 
bbplch120p2i0.gif
Risk
 
Management
 
 
 
 
Barclays
 
Bank
 
PLC
 
6
 
 
Risk
 
management
 
and
 
principal
 
risks
The
 
roles
 
and
 
responsibilities
 
of
 
the
 
business
 
groups,
 
Risk
 
and
 
Compliance,
 
in
 
the
 
management
 
of
 
risk
 
in
 
the
 
firm
 
are
 
defined
 
in
 
the
Enterprise
 
Risk
 
Management
 
Framework.
 
The
 
purpose
 
of
 
the
 
framework
 
is
 
to
 
identify
 
the
 
principal
 
risks
 
of
 
Barclays
 
Bank
 
Group,
the
 
process
 
by
 
which
 
Barclays
 
Bank
 
Group
 
sets
 
its
 
appetite
 
for
 
these
 
risks
 
in
 
its
 
business
 
activities,
 
and
 
the
 
consequent
 
limits
 
which
it
 
places
 
on
 
related
 
risk
 
taking.
The
 
framework
 
identifies
 
eight
 
principal
 
risks:
 
credit
 
risk;
 
market
 
risk;
 
treasury
 
and
 
capital
 
risk;
 
operational
 
risk;
 
model
 
risk;
 
conduct
risk;
 
reputation
 
risk;
 
and
 
legal
 
risk.
 
Further
 
detail
 
on
 
these
 
risks
 
and
 
how
 
they
 
are
 
managed
 
is
 
available
 
in
 
the
 
Barclays
 
Bank
 
PLC
Annual
 
Report
 
2019
 
(pages
 
44
 
to
 
49)
 
or
 
online
 
at
 
home.barclays/annualreport.
 
There
 
have
 
been
 
no
 
significant
 
changes
 
to
 
these
principal
 
risks
 
or
 
previously
 
identified
 
material
 
existing
 
and
 
emerging
 
risks
 
in
 
the
 
period,
 
save
 
that
 
details
 
of
 
an
 
additional
 
material
risk
 
identified
 
in
 
H120
 
which
 
potentially
 
impacts
 
more
 
than
 
one
 
principal
 
risk
 
are
 
set
 
out
 
below.
The
 
following
 
section
 
also
 
gives
 
an
 
overview
 
of
 
credit
 
risk,
 
market
 
risk,
 
and
 
treasury
 
and
 
capital
 
risk
 
for
 
the
 
period.
 
Risks
 
relating
 
to
 
the
 
impact
 
of
 
COVID
 
-19
 
The
 
COVID
 
-19
 
pandemic
 
has
 
had,
 
and
 
continues
 
to
 
have,
 
a
 
material
 
impact
 
on
 
businesses
 
around
 
the
 
world
 
and
 
the
 
economic
environments
 
in
 
which
 
they
 
operate.
 
There
 
are
 
a
 
number
 
of
 
factors
 
associated
 
with
 
the
 
pandemic
 
and
 
its
 
impact
 
on
 
global
economies
 
that
 
could
 
have
 
a
 
material
 
adverse
 
effect
 
on
 
(among
 
other
 
things)
 
the
 
profitability,
 
capital
 
and
 
liquidity
 
of
 
financial
institutions
 
such
 
as
 
Barclays
 
Bank
 
Group.
 
The
 
COVID
 
-19
 
pandemic
 
has
 
caused
 
disruption
 
to
 
the
 
Barclays
 
Bank
 
Group's
 
customers,
 
suppliers
 
and
 
staff
 
globally.
 
Most
jurisdictions
 
in
 
which
 
the
 
Barclays
 
Bank
 
Group
 
operates
 
have
 
implemented
 
severe
 
restrictions
 
on
 
the
 
movement
 
of
 
their
 
respective
populations,
 
with
 
a
 
resultant
 
significant
 
impact
 
on
 
economic
 
activity
 
in
 
those
 
jurisdictions.
 
These
 
restric
 
tions
 
are
 
being
 
determined
by
 
the
 
governments
 
of
 
individual
 
jurisdictions
 
(including
 
through
 
the
 
implementation
 
of
 
emergency
 
powers)
 
and
 
impacts
 
(including
the
 
timing
 
of
 
implementation
 
and
 
any
 
subsequent
 
lifting
 
of
 
restrictions)
 
may
 
vary
 
from
 
jurisdiction
 
to
 
jurisdiction.
 
It
 
remains
unclear
 
how
 
this
 
will
 
evolve
 
through
 
2020
 
(including
 
whether
 
there
 
will
 
be
 
subsequent
 
waves
 
of
 
the
 
COVID
 
-19
 
pandemic
 
and
whether
 
and
 
in
 
what
 
manner
 
previously
 
lifted
 
restrictions
 
will
 
be
 
re-imposed)
 
and
 
the
 
Barclays
 
Bank
 
Group
 
continues
 
to
 
monitor
the
 
situation
 
closely.
 
However,
 
despite
 
the
 
COVID
 
-19
 
contingency
 
plans
 
established
 
by
 
the
 
Barclays
 
Bank
 
Group,
 
its
 
ability
 
to
conduct
 
business
 
may
 
be
 
adversely
 
affected
 
by
 
disruptions
 
to
 
its
 
infrastructure,
 
business
 
processes
 
and
 
techno
 
logy
 
services,
resulting
 
from
 
the
 
unavailability
 
of
 
staff
 
due
 
to
 
illness
 
or
 
the
 
failure
 
of
 
third
 
parties
 
to
 
supply
 
services.
 
This
 
may
 
cause
 
significant
customer
 
detriment,
 
costs
 
to
 
reimburse
 
losses
 
incurred
 
by
 
the
 
Barclays
 
Bank
 
Group’s
 
customers,
 
potential
 
litigation
 
costs
 
(including
regulatory
 
fines,
 
penalties
 
and
 
other
 
sanctions),
 
and
 
reputational
 
damage.
In
 
many
 
of
 
the
 
jurisdictions
 
in
 
which
 
the
 
Barclays
 
Bank
 
Group
 
operates,
 
schemes
 
have
 
been
 
initiated
 
by
 
central
 
banks,
 
national
governments
 
and
 
regulators
 
to
 
provide
 
financial
 
support
 
to
 
parts
 
of
 
the
 
economy
 
most
 
impacted
 
by
 
the
 
COVID
 
-19
 
pandemic.
 
These
schemes
 
have
 
been
 
designed
 
and
 
implemented
 
at
 
pace,
 
meaning
 
lenders
 
(including
 
Barclays
 
)
 
continue
 
to
 
address
 
operational
issues
 
which
 
have
 
arisen
 
in
 
connection
 
with
 
the
 
implementation
 
of
 
the
 
schemes,
 
including
 
resolving
 
the
 
interaction
 
between
 
the
schemes
 
and
 
existing
 
law
 
and
 
regulation.
 
In
 
addition,
 
the
 
details
 
of
 
how
 
these
 
schemes
 
will
 
impact
 
the
 
Barclays
 
Bank
 
Group’s
customers
 
and
 
therefore
 
the
 
impact
 
on
 
the
 
Barclays
 
Bank
 
Group
 
remain
 
s
 
uncertain
 
at
 
this
 
stage.
 
However,
 
certain
 
actions
 
(such
 
as
the
 
introduction
 
of
 
payment
 
holidays
 
for
 
certain
 
consumer
 
lending
 
products
 
or
 
the
 
cancellation
 
or
 
waiver
 
of
 
fees
 
associated
 
with
certain
 
products
 
)
 
may
 
negatively
 
impact
 
the
 
effective
 
interest
 
rate
 
earned
 
on
 
certain
 
of
 
the
 
Barclays
 
Bank
 
Group's
 
portfolios
 
and
lower
 
fee
 
income
 
being
 
earned
 
on
 
certain
 
products.
 
Lower
 
interest
 
rates
 
globally
 
will
 
negatively
 
impact
 
net
 
interest
 
income
 
earned
on
 
certain
 
of
 
the
 
Barclays
 
Bank
 
Group's
 
portfolios.
 
Both
 
of
 
these
 
factors
 
may
 
in
 
turn
 
negatively
 
impact
 
the
 
Barclays
 
Bank
 
Group's
profitability.
 
Furthermore,
 
the
 
introduction
 
of,
 
and
 
participation
 
in,
 
central
 
-
 
bank
 
supported
 
loan
 
and
 
other
 
financing
 
schemes
introduced
 
as
 
a
 
result
 
of
 
the
 
COVID
 
-19
 
pandemic
 
may
 
negatively
 
impact
 
the
 
Barclays
 
Bank
 
Group's
 
risk
 
weighted
 
assets
 
(RWAs),
level
 
of
 
impairment
 
and,
 
in
 
turn,
 
capital
 
position
 
(particularly
 
when
 
any
 
transitional
 
relief
 
applied
 
to
 
the
 
calculation
 
of
 
RWAs
 
and
impairment
 
exp
 
ires).
 
This
 
may
 
be
 
exacerbated
 
if
 
the
 
Barclays
 
Bank
 
Group
 
is
 
required
 
by
 
any
 
government
 
or
 
regulator
 
to
 
offer
forbearance
 
or
 
additional
 
financial
 
relief
 
to
 
borrowers
 
.
As
 
these
 
schemes
 
and
 
other
 
financial
 
support
 
schemes
 
provided
 
by
 
national
 
governments
 
(such
 
as
 
job
 
retention
 
and
 
furlough
schemes)
 
expire,
 
are
 
withdrawn
 
or
 
are
 
no
 
longer
 
supported,
 
the
 
Barclays
 
Bank
 
Group
 
may
 
experience
 
a
 
higher
 
volume
 
of
 
defaults
and
 
delinquencies
 
in
 
certain
 
portfolios
 
and
 
may
 
initiate
 
collection
 
and
 
enforcement
 
actions
 
to
 
recover
 
defaulted
 
debts.
 
Where
defaulting
 
borrowers
 
are
 
harmed
 
by
 
the
 
Barclays
 
Bank
 
Group’s
 
conduct,
 
this
 
may
 
give
 
rise
 
to
 
civil
 
legal
 
proceedings,
 
including
 
class
actions,
 
regulatory
 
censure,
 
potentially
 
significant
 
fines
 
and
 
other
 
sanctions,
 
and
 
reputational
 
damage.
 
Other
 
legal
 
disputes
 
may
also
 
arise
 
between
 
the
 
Barclays
 
Bank
 
Group
 
and
 
defaulting
 
borrowers
 
relating
 
to
 
matters
 
such
 
as
 
breaches
 
or
 
enforcement
 
of
 
legal
rights
 
or
 
obligations
 
arising
 
under
 
loan
 
and
 
other
 
credit
 
agreements.
 
Adverse
 
findings
 
in
 
any
 
such
 
matters
 
may
 
result
 
in
 
the
 
Barclays
Bank
 
Group’s
 
rights
 
not
 
being
 
enforced
 
as
 
intended.
 
For
 
further
 
details
 
on
 
legal
 
risk
 
and
 
legal,
 
competition
 
and
 
regulatory
 
matters,
refer
 
to
 
Note
 
14
 
on
 
page
 
38.
The
 
actions
 
taken
 
by
 
various
 
governments
 
and
 
central
 
banks,
 
in
 
particular
 
in
 
the
 
United
 
Kingdom
 
and
 
the
 
United
 
States,
 
may
indicate
 
a
 
view
 
on
 
the
 
potential
 
severity
 
of
 
any
 
economic
 
downturn
 
and
 
post
 
recovery
 
environment,
 
which
 
from
 
a
 
commercial,
regulatory
 
and
 
risk
 
perspective
 
could
 
be
 
significantly
 
different
 
to
 
past
 
crises
 
and
 
persist
 
for
 
a
 
prolonged
 
period.
 
The
 
COVID
 
-19
pandemic
 
has
 
led
 
to
 
a
 
weakening
 
in
 
GDP
 
in
 
most
 
jurisdictions
 
in
 
which
 
the
 
Barclays
 
Bank
 
Group
 
operates
 
and
 
an
 
expectation
 
of
higher
 
unemployment
 
and
 
lower
 
house
 
prices
 
in
 
those
 
same
 
jurisdictions.
 
These
 
factors
 
all
 
have
 
a
 
significant
 
impact
 
on
 
the
 
 
bbplch120p2i0.gif
Risk
 
Management
 
 
 
 
Barclays
 
Bank
 
PLC
 
7
 
 
modelling
 
of
 
expected
 
credit
 
losses
 
(ECL)
 
by
 
the
 
Barclays
 
Bank
 
Group
 
.
 
As
 
a
 
result,
 
the
 
Barclays
 
Bank
 
Group
 
has
 
experienced
 
higher
ECLs
 
during
 
the
 
first
 
half
 
of
 
2020
 
compared
 
to
 
prior
 
periods
 
and
 
this
 
trend
 
may
 
continue
 
in
 
the
 
second
 
half
 
of
 
2020.
 
The
 
economic
environment
 
remains
 
uncertain
 
and
 
future
 
impairment
 
charges
 
may
 
be
 
subject
 
to
 
further
 
volatility
 
(including
 
from
 
changes
 
to
macroeconomic
 
variable
 
forecasts)
 
depending
 
on
 
the
 
longevity
 
of
 
the
 
COVID
 
-19
 
pandemic
 
and
 
related
 
containment
 
measures,
 
as
well
 
as
 
the
 
longer
 
term
 
effectiveness
 
of
 
central
 
bank,
 
government
 
and
 
other
 
support
 
measures.
 
For
 
further
 
details
 
on
macroeconomic
 
variables
 
used
 
in
 
the
 
calculation
 
of
 
ECLs,
 
refer
 
to
 
page
 
12.
 
In
 
addition,
 
ECLs
 
may
 
be
 
adversely
 
impacted
 
by
increased
 
levels
 
of
 
default
 
for
 
single
 
name
 
exposures
 
in
 
certain
 
sectors
 
directly
 
impacted
 
by
 
the
 
COVID
 
-19
 
pandemic
 
(such
 
as
 
the
 
oil
and
 
gas,
 
retail,
 
airline,
 
and
 
hospitality
 
and
 
leisure
 
sectors).
 
Furthermore,
 
the
 
Barclays
 
Bank
 
Group
 
relies
 
on
 
models
 
to
 
support
 
a
 
broad
 
range
 
of
 
business
 
and
 
risk
 
management
 
activities,
including
 
informing
 
business
 
decisions
 
and
 
strategies,
 
measuring
 
and
 
limiting
 
risk,
 
valuing
 
exposures
 
(including
 
the
 
calculation
 
of
impairment),
 
conducting
 
stress
 
testing
 
and
 
assessing
 
capital
 
adequacy.
 
Models
 
are,
 
by
 
their
 
nature,
 
imperfect
 
and
 
incomplete
representations
 
of
 
reality
 
because
 
they
 
rely
 
on
 
assumptions
 
and
 
inputs,
 
and
 
so
 
they
 
may
 
be
 
subject
 
to
 
errors
 
affecting
 
the
 
accuracy
of
 
their
 
outputs
 
and/or
 
misused.
 
This
 
may
 
be
 
exacerbated
 
when
 
dealing
 
with
 
unprecedented
 
scenarios,
 
such
 
as
 
the
 
COVID
 
-19
pandemic,
 
due
 
to
 
the
 
lack
 
of
 
reliable
 
historical
 
reference
 
points
 
and
 
data.
 
For
 
further
 
details
 
on
 
model
 
risk,
 
refer
 
to
 
page
 
48
 
of
 
the
Barclays
 
Bank
 
PLC
 
Annual
 
Report
 
2019.
The
 
disruptio
 
n
 
to
 
economic
 
activity
 
globally
 
caused
 
by
 
the
 
COVID
 
-19
 
pandemic
 
could
 
adversely
 
impact
 
the
 
Barclays
 
Bank
 
Group's
other
 
assets
 
such
 
as
 
goodwill
 
and
 
intangi
 
bles,
 
and
 
the
 
value
 
of
 
Barclays
 
Bank
 
PLC
 
’s
 
investments
 
in
 
subsidiaries.
 
It
 
could
 
also
 
impact
the
 
Barclays
 
Bank
 
Group's
 
income
 
due
 
to
 
lower
 
lending
 
and
 
transaction
 
volumes
 
due
 
to
 
volatility
 
or
 
weakness
 
in
 
the
 
capital
markets.
 
Other
 
potential
 
risks
 
include
 
credit
 
rating
 
migration
 
which
 
could
 
negatively
 
impact
 
the
 
Barclays
 
Bank
 
Group's
 
RWAs
 
and
capita
 
l
 
position,
 
and
 
potential
 
liquidity
 
stress
 
due
 
to
 
(among
 
other
 
things)
 
increased
 
customer
 
drawdowns,
 
notwithstanding
 
the
significant
 
initiatives
 
that
 
governments
 
and
 
central
 
banks
 
have
 
put
 
in
 
place
 
to
 
support
 
funding
 
and
 
liquidity.
 
Furthermore,
 
a
significant
 
increase
 
in
 
the
 
utilisation
 
of
 
credit
 
cards
 
by
 
customers
 
could
 
have
 
a
 
negative
 
impact
 
on
 
the
 
Barclays
 
Bank
 
Group's
 
RWAs
and
 
capital
 
position.
Central
 
bank
 
and
 
government
 
actions
 
and
 
other
 
support
 
measures
 
taken
 
in
 
response
 
to
 
the
 
COVID
 
-19
 
pandemic
 
may
 
also
 
create
restrictions
 
in
 
relation
 
to
 
capital.
 
Restrictions
 
imposed
 
by
 
governments
 
and/or
 
regulators
 
may
 
further
 
limit
 
management’s
 
flexibility
in
 
managing
 
the
 
business
 
and
 
taking
 
action
 
in
 
relation
 
to
 
capital
 
distributions
 
and
 
capital
 
allocation.
Any
 
and
 
all
 
such
 
events
 
mentioned
 
above
 
could
 
have
 
a
 
material
 
adverse
 
effect
 
on
 
the
 
Barclays
 
Bank
 
Group's
 
business,
 
financial
condition,
 
results
 
of
 
operations,
 
prospects,
 
liquidity,
 
capital
 
position
 
and
 
credit
 
ratings
 
(including
 
potential
 
credit
 
rating
 
agency
changes
 
of
 
outlooks
 
or
 
ratings),
 
as
 
well
 
as
 
on
 
the
 
Barclays
 
Bank
 
Group's
 
customers,
 
employees
 
and
 
suppliers.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
8
 
 
Loans
 
and
 
advances
 
at
 
amortised
 
cost
 
by
 
product
The
 
table
 
below
 
presents
 
a
 
breakdown
 
of
 
loans
 
and
 
advances
 
at
 
amortised
 
cost
 
and
 
the
 
impairment
 
allowance
 
with
 
stage
allocation
 
by
 
asset
 
classification
 
.
Impairment
 
allowance
 
under
 
IFRS
 
9
 
considers
 
both
 
the
 
drawn
 
and
 
the
 
undrawn
 
counterparty
 
exposure.
 
For
 
retail
 
portfolios,
 
the
total
 
impairment
 
allowance
 
is
 
allocated
 
to
 
the
 
drawn
 
exposure
 
to
 
the
 
extent
 
that
 
the
 
allowance
 
does
 
not
 
exceed
 
the
 
exposure,
 
as
ECL
 
is
 
not
 
reported
 
separately.
 
Any
 
excess
 
is
 
reported
 
on
 
the
 
liability
 
side
 
of
 
the
 
balance
 
sheet
 
as
 
a
 
provision.
 
For
 
wholesale
portfolios,
 
the
 
impairment
 
allowance
 
on
 
the
 
undrawn
 
exposure
 
is
 
reported
 
on
 
the
 
liability
 
side
 
of
 
the
 
balance
 
sheet
 
as
 
a
 
provision.
Stage
 
2
As
 
at
 
30.06.20
Stage
 
1
Not
 
past
due
<=30
 
days
past
 
due
>30
 
days
past
 
due
Total
Stage
 
3
Total
1
Gross
 
exposure
£m
£m
£m
£m
£m
£m
£m
Home
 
loans
9,670
638
62
179
879
1,142
11,691
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
20,659
6,077
206
348
6,631
2,036
29,326
Wholesale
 
loans
75,699
33,288
2,961
634
36,883
2,161
114,743
Total
106,028
40,003
3,229
1,161
44,393
5,339
155,760
Impairment
 
allowance
Home
 
loans
12
28
11
15
54
350
416
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
456
1,096
86
158
1,340
1,511
3,307
Wholesale
 
loans
206
654
92
24
770
858
1,834
Total
674
1,778
189
197
2,164
2,719
5,557
Net
 
exposure
Home
 
loans
9,658
610
51
164
825
792
11,275
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
20,203
4,981
120
190
5,291
525
26,019
Wholesale
 
loans
75,493
32,634
2,869
610
36,113
1,303
112,909
Total
105,354
38,225
3,040
964
42,229
2,620
150,203
Coverage
 
ratio
%
%
%
%
%
%
%
Home
 
loans
0.1
4.4
17.7
8.4
6.1
30.6
3.6
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
2.2
18.0
41.7
45.4
20.2
74.2
11.3
Wholesale
 
loans
0.3
2.0
3.1
3.8
2.1
39.7
1.6
Total
0.6
4.4
5.9
17.0
4.9
50.9
3.6
As
 
at
 
31.12.19
Gross
 
exposure
£m
£m
£m
£m
£m
£m
£m
Home
 
loans
9,604
544
48
82
674
1,056
11,334
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
29,541
3,806
304
340
4,450
2,129
36,120
Wholesale
 
loans
89,200
6,489
354
672
7,515
1,163
97,878
Total
128,345
10,839
706
1,094
12,639
4,348
145,332
Impairment
 
allowance
Home
 
loans
16
24
9
7
40
292
348
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
362
523
99
162
784
1,471
2,617
Wholesale
 
loans
114
219
8
7
234
383
731
Total
492
766
116
176
1,058
2,146
3,696
Net
 
exposure
Home
 
loans
9,588
520
39
75
634
764
10,986
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
29,179
3,283
205
178
3,666
658
33,503
Wholesale
 
loans
89,086
6,270
346
665
7,281
780
97,147
Total
127,853
10,073
590
918
11,581
2,202
141,636
Coverage
 
ratio
%
%
%
%
%
%
%
Home
 
loans
0.2
4.4
18.8
8.5
5.9
27.7
3.1
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
1.2
13.7
32.6
47.6
17.6
69.1
7.2
Wholesale
 
loans
0.1
3.4
2.3
1.0
3.1
32.9
0.7
Total
0.4
7.1
16.4
16.1
8.4
49.4
2.5
 
1
 
Other
 
financial
 
assets
 
subject
 
to
 
impairment
 
excluded
 
in
 
the
 
table
 
above
 
include
 
cash
 
collateral
 
and
 
settlement
 
balances,
 
financial
 
assets
 
at
 
fair
 
value
 
through
 
other
comprehensive
 
income,
 
accrued
 
income
 
and
 
sundry
 
debtors.
 
These
 
have
 
a
 
total
 
gross
 
exposure
 
of
 
£187.1bn
 
(December
 
2019:
 
£125.5bn)
 
and
 
impairment
 
allowance
 
of
£168m
 
(December
 
2019:
 
£22m).
 
This
 
comprises
 
£33m
 
(December
 
2019:
 
£10m)
 
ECL
 
on
 
£181.7bn
 
(December
 
2019:
 
£124.7bn)
 
Stage
 
1
 
assets,
 
£20m
 
(December
 
2019:
 
£2m)
on
 
£5.3bn
 
(December
 
2019:
 
£0.8bn)
 
Stage
 
2
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
 
assets
 
and
 
£115m
 
(December
 
2019:
 
£10m)
 
on
 
£115m
 
(December
 
2019:
 
£10m)
Stage
 
3
 
other
 
assets.
 
Loan
 
commitments
 
and
 
financial
 
guarantee
 
contracts
 
have
 
total
 
ECL
 
of
 
£593m
 
(December
 
2019:
 
£252m).
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
9
 
 
Movement
 
in
 
gross
 
exposures
 
and
 
impairment
 
allowance
 
including
 
provisions
 
for
 
loan
commitments
 
and
 
financial
 
guarantees
 
The
 
following
 
tables
 
present
 
a
 
reconciliation
 
of
 
the
 
opening
 
to
 
the
 
closing
 
balance
 
of
 
the
 
exposure
 
and
 
impairment
 
allowance.
Explanation
 
of
 
the
 
terms:
 
12-month
 
ECL,
 
lifetime
 
ECL
 
and
 
credit
 
-impaired
 
are
 
included
 
in
 
the
 
Barclays
 
Bank
 
PLC
 
Annual
 
Report
 
2019
on
 
page
 
149.
 
Barclays
 
Bank
 
Group
 
does
 
not
 
hold
 
any
 
material
 
purchased
 
or
 
originated
 
credit
 
-impaired
 
assets
 
as
 
at
 
period
 
end.
Transfers
 
between
 
stages
 
in
 
the
 
tables
 
have
 
been
 
reflected
 
as
 
if
 
they
 
had
 
taken
 
place
 
at
 
the
 
beginning
 
of
 
the
 
year.
 
The
 
movements
are
 
measured
 
over
 
a
 
6-month
 
period.
 
Loans
 
and
 
advances
 
at
 
amortised
 
cost
Stage
 
1
Stage
 
2
Stage
 
3
Total
Gross
exposure
ECL
Gross
exposure
ECL
Gross
exposure
ECL
Gross
exposure
ECL
£m
£m
£m
£m
£m
£m
£m
£m
Home
 
loans
As
 
at
 
1
 
January
 
2020
9,604
16
674
40
1,056
292
11,334
348
Transfers
 
from
 
Stage
 
1
 
to
 
Stage
 
2
(394)
(1)
394
1
-
-
-
-
Transfers
 
from
 
Stage
 
2
 
to
 
Stage
 
1
114
3
(114)
(3)
-
-
-
-
Transfers
 
to
 
Stage
 
3
(64)
-
(67)
(6)
131
6
-
-
Transfers
 
from
 
Stage
 
3
17
-
31
1
(48)
(1)
-
-
Business
 
activity
 
in
 
the
 
year
410
-
-
-
-
-
410
-
Net
 
drawdowns,
 
repayments,
 
net
 
re-
measurement
 
and
 
movement
 
due
 
to
 
exposure
and
 
risk
 
parameter
 
changes
334
(6)
28
22
39
61
401
77
Final
 
repayments
(351)
-
(67)
(1)
(29)
(1)
(447)
(2)
Disposals
-
-
-
-
-
-
-
-
Write
 
-offs
1
-
-
-
-
(7)
(7)
(7)
(7)
As
 
at
 
30
 
June
 
2020
2
9,670
12
879
54
1,142
350
11,691
416
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
As
 
at
 
1
 
January
 
2020
29,541
362
4,450
784
2,129
1,471
36,120
2,617
Transfers
 
from
 
Stage
 
1
 
to
 
Stage
 
2
(3,520)
(78)
3,520
78
-
-
-
-
Transfers
 
from
 
Stage
 
2
 
to
 
Stage
 
1
948
134
(948)
(134)
-
-
-
-
Transfers
 
to
 
Stage
 
3
(153)
(10)
(397)
(171)
550
181
-
-
Transfers
 
from
 
Stage
 
3
21
4
50
5
(71)
(9)
-
-
Business
 
activity
 
in
 
the
 
year
2,416
23
66
11
5
1
2,487
35
Net
 
drawdowns,
 
repayments,
 
net
 
re-
measurement
 
and
 
movement
 
due
 
to
 
exposure
and
 
risk
 
parameter
 
changes
(3,447)
55
259
824
160
513
(3,028)
1,392
Final
 
repayments
(1,472)
(10)
(94)
(12)
(63)
(4)
(1,629)
(26)
Transfers
 
to
 
Barclays
 
Group
3
(2,182)
(16)
(92)
(25)
(47)
(41)
(2,321)
(82)
Disposals
4
(1,493)
(8)
(183)
(20)
(71)
(45)
(1,747)
(73)
Write
 
-offs
1
-
-
-
-
(556)
(556)
(556)
(556)
As
 
at
 
30
 
June
 
2020
2
20,659
456
6,631
1,340
2,036
1,511
29,326
3,307
 
1
 
In
 
H1
 
2020,
 
gross
 
write
 
-offs
 
amounted
 
to
 
£643m
 
(H1
 
2019:
 
£627m)
 
and
 
post
 
write
 
-off
 
recoveries
 
amounted
 
to
 
£1m
 
(H1
 
2019:
 
£47m).
 
Net
 
write
 
-offs
 
represent
 
gross
write
 
-offs
 
less
 
post
 
write
 
-off
 
recoveries
 
and
 
amounted
 
to
 
£642m
 
(H1
 
2019:
 
£580m).
2
 
Other
 
financial
 
assets
 
subject
 
to
 
impairment
 
excluded
 
in
 
the
 
table
 
s
 
above
 
include
 
cash
 
collateral
 
and
 
settlement
 
balances,
 
financial
 
assets
 
at
 
fair
 
value
 
through
 
other
comprehensive
 
income
 
and
 
other
 
assets.
 
These
 
have
 
a
 
total
 
gross
 
exposure
 
of
 
£187.1
 
bn
 
(December
 
2019:
 
£125.5bn)
 
and
 
impairment
 
allow
 
ance
 
of
 
£168m
 
(December
2019:
 
£22m).
 
This
 
comprises
 
£33m
 
ECL
 
(December
 
2019:
 
£10m)
 
on
 
£181.7bn
 
Stage
 
1
 
assets
 
(December
 
2019:
 
£1
 
24.7bn),
 
£20m
 
(December
 
2019:
 
£2m)
 
on
 
£5.3bn
Stage
 
2
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
 
assets,
 
cash
 
collateral
 
and
 
settlement
 
assets
 
(December
 
2019:
 
£0.8bn)
 
and
 
£115m
 
(Dece
 
mber
 
2019:
 
£10m)
on
 
£115m
 
Stage
 
3
 
other
 
assets
 
(December
 
2019:
 
£10m).
3
 
Transfers
 
to
 
Barclays
 
Group
 
reported
 
within
 
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
 
portfolio
 
includes
 
the
 
transfer
 
of
 
the
 
Barclays
 
Partner
 
Finance
retail
 
portfolio
 
to
 
Barclays
 
Principal
 
Investments
 
Limited
 
during
 
the
 
period.
4
 
Disposals
 
reported
 
within
 
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
 
portfolio
 
include
 
sale
 
of
 
the
 
motor
 
financing
 
business
 
from
 
the
 
Barclays
 
Partner
Finance
 
business.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
10
 
 
Loans
 
and
 
advances
 
at
 
amortised
 
cost
Stage
 
1
Stage
 
2
Stage
 
3
Total
Gross
exposure
ECL
Gross
exposure
ECL
Gross
exposure
ECL
Gross
exposure
ECL
£m
£m
£m
£m
£m
£m
£m
£m
Wholesale
 
loans
As
 
at
 
1
 
January
 
2020
89,200
114
7,515
234
1,163
383
97,878
731
Transfers
 
from
 
Stage
 
1
 
to
 
Stage
 
2
(24,051)
(55)
24,051
55
-
-
-
-
Transfers
 
from
 
Stage
 
2
 
to
 
Stage
 
1
1,589
12
(1,589)
(12)
-
-
-
-
Transfers
 
to
 
Stage
 
3
(688)
(2)
(507)
(39)
1,195
41
-
-
Transfers
 
from
 
Stage
 
3
139
-
109
1
(248)
(1)
-
-
Business
 
activity
 
in
 
the
 
year
19,309
19
4,128
212
42
12
23,479
243
Net
 
drawdowns,
 
repayments,
 
net
 
re-
measurement
 
and
 
movement
 
due
 
to
 
exposure
and
 
risk
 
parameter
 
changes
10,474
136
4,791
334
349
539
15,614
1,009
Final
 
repayments
(20,273)
(18)
(1,606)
(15)
(260)
(36)
(22,139)
(69)
Disposals
-
-
(9)
-
-
-
(9)
-
Write
 
-offs
1
-
-
-
-
(80)
(80)
(80)
(80)
As
 
at
 
30
 
June
 
2020
2
75,699
206
36,883
770
2,161
858
114,743
1,834
Reconciliation
 
of
 
ECL
 
movement
 
to
 
impairment
 
charge/(release)
 
for
 
the
 
period
£m
Home
 
loans
75
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
1,319
Wholesale
 
loans
1,183
ECL
 
movement
 
excluding
 
assets
 
derecognised
 
due
 
to
 
disposals
 
and
 
write-offs
2,577
Recoveries
 
and
 
reimbursements
3
(280)
Exchange
 
and
 
other
 
adjustments
4
(103)
Impairment
 
charge
 
on
 
loan
 
commitments
 
and
 
other
 
financial
 
guarantees
331
Impairment
 
charge
 
on
 
other
 
financial
 
assets
2
149
As
 
at
 
30
 
June
 
2020
2,674
 
1
 
In
 
H1
 
2020,
 
gross
 
write
 
-offs
 
amounted
 
to
 
£643m
 
(H1
 
2019:
 
£627m)
 
and
 
post
 
write
 
-off
 
recoveries
 
amounted
 
to
 
£1m
 
(H1
 
2019:
 
£47m).
 
Net
 
write
 
-offs
 
represent
 
gross
write
 
-offs
 
less
 
post
 
write
 
-off
 
recoveries
 
and
 
amounted
 
to
 
£642m
 
(H1
 
2019:
 
£580m).
2
 
Other
 
financial
 
assets
 
subject
 
to
 
impairment
 
excluded
 
from
 
the
 
tables
 
above
 
include
 
cash
 
collateral
 
and
 
settlement
 
balances,
 
financial
 
assets
 
at
 
fair
 
value
 
through
other
 
comprehensive
 
income
 
and
 
other
 
assets.
 
These
 
have
 
a
 
total
 
gross
 
exposure
 
of
 
£187.1bn
 
(December
 
2019:
 
£125.5bn)
 
and
 
impairment
 
allowance
 
of
 
£168m
(December
 
2019:
 
£22m).
 
This
 
comprises
 
£33m
 
ECL
 
(December
 
2019:
 
£10m)
 
on
 
£181.7
 
bn
 
Stage
 
1
 
assets
 
(December
 
2019:
 
£124.7bn),
 
£20m
 
(December
 
2019:
 
£2m)
 
on
£5.3bn
 
Stage
 
2
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
 
assets,
 
cash
 
collateral
 
and
 
settle
 
ment
 
assets
 
(December
 
2019:
 
£0.8bn)
 
and
 
£115m
 
(Dece
 
mber
 
2019:
£10m)
 
on
 
£115m
 
Stage
 
3
 
other
 
assets
 
(December
 
2019:
 
£10m).
 
3
 
Recoveries
 
and
 
reimbursements
 
includes
 
a
 
net
 
gain
 
in
 
relation
 
to
 
reimbursements
 
from
 
guarantee
 
contracts
 
held
 
with
 
third
 
parties
 
of
 
£279m
 
and
 
post
 
write
 
off
recoveries
 
of
 
£1m.
4
 
Includes
 
foreign
 
exchange
 
and
 
interest
 
and
 
fees
 
in
 
suspense.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
11
 
 
Loan
 
commitments
 
and
 
financial
 
guarantees
Stage
 
1
Stage
 
2
Stage
 
3
Total
Gross
exposure
ECL
Gross
exposure
ECL
Gross
exposure
ECL
Gross
exposure
ECL
£m
£m
£m
£m
£m
£m
£m
£m
Home
 
loans
As
 
at
 
1
 
January
 
2020
34
-
-
-
-
-
34
-
Net
 
transfers
 
between
 
stages
-
-
-
-
-
-
-
-
Business
 
activity
 
in
 
the
 
year
136
-
-
-
-
-
136
-
Net
 
drawdowns,
 
repayments,
 
net
 
re-
measurement
 
and
 
movement
 
due
 
to
 
exposure
and
 
risk
 
parameter
 
changes
10
-
-
-
-
-
10
-
Limit
 
management
(19)
-
-
-
-
-
(19)
-
As
 
at
 
30
 
June
 
2020
161
-
-
-
-
-
161
-
Credit
 
cards,
 
unsecured
 
loans
 
and
 
other
 
retail
 
lending
As
 
at
 
1
 
January
 
2020
78,257
22
2,053
15
67
14
80,377
51
Net
 
transfers
 
between
 
stages
(2,633)
2
2,394
(1)
239
(1)
-
-
Business
 
activity
 
in
 
the
 
year
3,641
1
57
-
1
1
3,699
2
Net
 
drawdowns,
 
repayments,
 
net
 
re-
measurement
 
and
 
movement
 
due
 
to
 
exposure
and
 
risk
 
parameter
 
changes
5,735
16
(74)
27
(273)
7
5,388
50
Limit
 
management
(5,165)
-
(261)
-
(4)
(3)
(5,430)
(3)
As
 
at
 
30
 
June
 
2020
79,835
41
4,169
41
30
18
84,034
100
Wholesale
 
loans
As
 
at
 
1
 
January
 
2020
183,001
63
12,053
97
636
41
195,690
201
Net
 
transfers
 
between
 
stages
(38,412)
(22)
37,380
15
1,032
7
-
-
Business
 
activity
 
in
 
the
 
year
24,878
7
3,389
30
107
-
28,374
37
Net
 
drawdowns,
 
repayments,
 
net
 
re-
measurement
 
and
 
movement
 
due
 
to
 
exposure
and
 
risk
 
parameter
 
changes
10,996
13
794
285
(232)
(18)
11,558
280
Limit
 
management
(36,233)
(7)
(2,764)
(18)
(239)
-
(39,236)
(25)
As
 
at
 
30
 
June
 
2020
144,230
54
50,852
409
1,304
30
196,386
493
 
 
bbplch120p2i0.gif
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
12
 
 
Measurement
 
uncertainty
The
 
Barclays
 
Bank
 
Group
 
uses
 
a
 
five-scenario
 
model
 
to
 
calculate
 
ECL.
 
Absent
 
the
 
conditions
 
surrounding
 
the
 
COVID
 
-19
 
pandemic,
 
a
Baseline
 
scenario
 
is
 
typically
 
generated
 
based
 
on
 
an
 
external
 
consensus
 
forecast
 
assembled
 
from
 
key
 
sources,
 
including
 
HM
Treasury
 
(short
 
and
 
medium-term
 
forecasts),
 
Bloomberg
 
(based
 
on
 
median
 
of
 
economic
 
forecasts)
 
and
 
the
 
Urban
 
Land
 
Institute
(for
 
US
 
House
 
Prices).
 
In
 
addition,
 
two
 
adverse
 
scenarios
 
(Downside
 
1
 
and
 
Downside
 
2)
 
and
 
two
 
favourable
 
scenarios
 
(Upside
 
1
 
and
Upside
 
2)
 
are
 
derived,
 
with
 
associated
 
probability
 
weightings.
 
The
 
adverse
 
scenarios
 
are
 
typically
 
calibrated
 
to
 
a
 
similar
 
severity
 
to
internal
 
stress
 
tests,
 
whilst
 
also
 
considering
 
IFRS
 
9
 
specific
 
sensitivities
 
and
 
non-linearity.
 
Downside
 
2
 
is
 
typically
 
benchmarked
 
to
the
 
Bank
 
of
 
England’s
 
annual
 
cyclical
 
scenarios
 
and
 
to
 
the
 
most
 
severe
 
scenario
 
from
 
Moody’s
 
inventory,
 
but
 
is
 
not
 
designed
 
to
 
be
the
 
same.
 
The
 
favourable
 
scenarios
 
are
 
generally
 
calibrated
 
to
 
be
 
symmetric
 
to
 
the
 
adverse
 
scenarios,
 
subject
 
to
 
a
 
ceiling
 
calibrated
to
 
relevant
 
recent
 
favourable
 
benchmark
 
scenarios.
 
The
 
scenarios
 
include
 
eight
 
economic
 
variables
 
(GDP,
 
unemployment,
 
House
Price
 
Index
 
(HPI)
 
and
 
base
 
rates
 
in
 
both
 
the
 
UK
 
and
 
US
 
markets),
 
and
 
expanded
 
variables
 
using
 
statistical
 
models
 
based
 
on
 
historical
correlations.
 
The
 
upside
 
and
 
downside
 
shocks
 
are
 
designed
 
to
 
evolve
 
over
 
a
 
five-year
 
stress
 
horizon,
 
with
 
all
 
five
 
scenarios
converging
 
to
 
a
 
steady
 
state
 
after
 
approximately
 
eight
 
years.
 
To
 
calculate
 
ECL
 
a
 
probability
 
weight
 
is
 
assigned
 
to
 
each
 
scenario.
 
Following
 
the
 
onset
 
of
 
the
 
COVID
 
-19
 
pandemic,
 
the
 
Barclays
 
Bank
 
Group
 
generated
 
a
 
Baseline
 
scenario
 
in
 
March
 
2020
 
that
reflected
 
the
 
most
 
recent
 
economic
 
forecasts
 
available
 
in
 
the
 
market
 
(combined
 
with
 
internal
 
assumptions)
 
and
 
estimated
 
impacts
from
 
significant
 
support
 
measures
 
taken
 
by
 
Barclays,
 
central
 
banks
 
and
 
governments
 
across
 
the
 
Barclays
 
Bank
 
Group’s
 
key
 
markets.
This
 
scenario
 
assumed
 
a
 
strong
 
contraction
 
in
 
GDP
 
and
 
a
 
sharp
 
rise
 
in
 
unemployment
 
in
 
2020
 
across
 
both
 
the
 
UK
 
and
 
US,
 
and
required
 
a
 
recalibration
 
of
 
probability
 
weights.
 
This
 
scenario
 
was
 
superseded
 
by
 
a
 
further
 
revised
 
Baseline
 
scenario
 
generated
 
in
June
 
2020,
 
based
 
broadly
 
on
 
the
 
latest
 
economic
 
forecasts
 
which
 
recognise
 
some
 
the
 
impacts
 
from
 
the
 
various
 
support
 
measures
still
 
in
 
place
 
across
 
the
 
Barclays
 
Bank
 
Group’s
 
key
 
markets.
 
Upside
 
and
 
downside
 
scenarios
 
were
 
also
 
regenerated
 
in
 
June
 
2020
(together
 
with
 
the
 
revised
 
Baseline
 
scenario,
 
the
 
“COVID
 
-19
 
Scenarios”).
 
The
 
downside
 
scenarios
 
reflect
 
slower
 
economic
 
growth
than
 
the
 
Baseline
 
with
 
social
 
distancing
 
measures
 
continuing
 
to
 
drag
 
GDP.
 
Economic
 
growth
 
begins
 
to
 
recover
 
later
 
in
 
2020
 
in
Downside
 
1
 
but
 
only
 
in
 
2021
 
in
 
the
 
Downside
 
2
 
scenario.
 
The
 
upside
 
scenarios
 
reflect
 
a
 
fast
 
er
 
rebound
 
in
 
economic
 
growth
 
than
 
the
Baseline
 
with
 
a
 
sharp
 
decrease
 
in
 
infection
 
rates
 
and
 
an
 
almost
 
fully
 
reopened
 
economy.
 
Scenario
 
weights
 
were
 
also
 
revised
 
in
 
June
2020
 
with
 
greater
 
weight
 
being
 
applied
 
to
 
the
 
tail
 
scenarios
 
(Upside
 
2
 
and
 
Downside
 
2).
 
This
 
reflects
 
the
 
significant
 
range
 
of
uncertainty
 
in
 
the
 
economic
 
environment
 
compared
 
to
 
previous
 
quarters
 
given
 
the
 
conditions
 
surrounding
 
the
 
COVID
 
-19
pandemic.
The
 
economic
 
environment
 
remains
 
uncertain
 
and
 
future
 
impairment
 
charges
 
may
 
be
 
subject
 
to
 
further
 
volatility
 
(including
 
from
changes
 
to
 
macroeconomic
 
variable
 
forecasts)
 
depending
 
on
 
the
 
longevity
 
of
 
the
 
COVID
 
-19
 
pandemic
 
and
 
related
 
containment
measures,
 
as
 
well
 
as
 
the
 
longer
 
term
 
effectiveness
 
of
 
central
 
bank,
 
government
 
and
 
other
 
support
 
measures.
The
 
tables
 
on
 
next
 
page
 
show
 
the
 
key
 
macroeconomic
 
variables
 
used
 
in
 
the
 
COVID
 
-19
 
Baseline
 
scenario
 
and
 
the
 
probability
 
weights
applied
 
to
 
each
 
respective
 
scenario.
 
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
13
 
 
Baseline
 
average
 
macroeconomic
 
variables
 
used
 
in
 
the
 
calculation
 
of
 
ECL
2020
2021
2022
Expected
 
Worst
Point
 
As
 
at
 
30.06.20
 
%
 
%
%
 
%
UK
 
GDP
1
(8.7)
6.1
2.9
(51.4)
UK
 
unemployment
2
6.6
6.5
4.4
8.0
UK
 
HPI
3
0.6
2.0
-
(1.5)
UK
 
bank
 
rate
0.2
0.1
0.1
0.1
US
 
GDP
1
(4.2)
4.4
(0.3)
(30.4)
US
 
unemployment
4
9.3
7.6
5.5
13.4
US
 
HPI
5
1.1
1.8
(0.8)
(1.9)
US
 
federal
 
funds
 
rate
0.5
0.3
0.3
0.3
 
1
 
Avera
 
ge
 
Real
 
GDP
 
seasonally
 
adjusted
 
change
 
in
 
year;
 
expected
 
worst
 
point
 
using
 
Seasonally
 
Adjusted
 
Annual
 
Rate,
 
SAAR.
2
 
Average
 
UK
 
unemployment
 
rate
 
16-year+.
3
 
Change
 
in
 
average
 
yearly
 
UK
 
HPI
 
=
 
Halifax
 
All
 
Houses,
 
All
 
Buyers
 
index,
 
relative
 
to
 
prior
 
year
 
end;
 
worst
 
point
 
is
 
based
 
on
 
cumulative
 
drawdown
 
in
 
year
 
relative
 
to
prior
 
year
 
end.
4
 
Average
 
US
 
civilian
 
unemployment
 
rate
 
16-year+.
5
 
Change
 
in
 
average
 
yearly
 
US
 
HPI
 
=
 
FHFA
 
house
 
price
 
index,
 
relative
 
to
 
prior
 
year
 
end;
 
worst
 
point
 
is
 
based
 
on
 
cumulative
 
drawdown
 
in
 
year
 
relative
 
to
 
prior
 
year
 
end.
 
 
 
Scenario
 
probability
 
weighting
Upside
 
2
Upside
 
1
Baseline
Downside
 
1
Downside
 
2
 
%
 
%
 
%
 
%
 
%
As
 
at
 
30.06.20
Scenario
 
probability
 
weighting
20.3
22.4
25.4
17.5
14.4
As
 
at
 
31.12.19
Scenario
 
probability
 
weighting
10.1
23.1
40.8
22.7
3.3
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
14
 
 
Macroeconomic
 
variables
 
(specific
 
bases)
1
Upside
 
2
Upside
 
1
Baseline
Downside
 
1
Downside
 
2
As
 
at
 
30.06.20
 
%
 
%
 
%
 
%
 
%
UK
 
GDP
2
32.7
26.4
5.4
1.6
1.2
UK
 
unemployment
3
3.5
3.6
4.9
9.6
10.9
UK
 
HPI
4
45.3
27.2
2.3
(15.0)
(33.4)
UK
 
bank
 
rate
3
0.1
0.1
0.2
0.3
0.2
US
 
GDP
2
19.1
13.5
3.3
2.0
(3.1)
US
 
unemployment
3
4.1
4.4
6.3
15.4
18.7
US
 
HPI
4
32.3
20.9
2.3
(8.8)
(19.7)
US
 
federal
 
funds
 
rate
3
0.3
0.3
0.3
0.4
0.4
As
 
at
 
31.12.19
UK
 
GDP
2
4.2
2.9
1.6
0.2
(4.7)
UK
 
unemployment
3
3.4
3.8
4.2
5.7
8.7
UK
 
HPI
4
46.0
32.0
3.1
(8.2)
(32.4)
UK
 
bank
 
rate
3
0.5
0.5
0.7
2.8
4.0
US
 
GDP
2
4.2
3.3
1.9
0.4
(3.4)
US
 
unemployment
3
3.0
3.5
3.9
5.3
8.5
US
 
HPI
4
37.1
23.3
3.0
0.5
(19.8)
US
 
federal
 
funds
 
rate
3
1.5
1.5
1.7
3.0
3.5
As
 
at
 
30.06.19
UK
 
GDP
2
4.5
3.1
1.7
0.3
(4.1)
UK
 
unemployment
3
3.4
3.9
4.3
5.7
8.8
UK
 
HPI
4
46.4
32.6
3.2
(0.5)
(32.1)
UK
 
bank
 
rate
3
0.8
0.8
1.0
2.5
4.0
US
 
GDP
2
4.8
3.7
2.1
0.4
(3.3)
US
 
unemployment
3
3.0
3.4
3.7
5.2
8.4
US
 
HPI
4
36.9
30.2
4.1
-
(17.4)
US
 
federal
 
funds
 
rate
3
2.3
2.3
2.7
3.0
3.5
 
1
 
UK
 
GDP
 
=
 
Real
 
GDP
 
growth
 
seasonally
 
adjusted;
 
UK
 
unemployment
 
=
 
UK
 
unemployment
 
rate
 
16-year+;
 
UK
 
HPI
 
=
 
Halifax
 
All
 
Houses,
 
All
 
Buyers
 
Index;
 
US
 
GDP
 
=
 
Real
GDP
 
growth
 
seasonally
 
adjusted;
 
US
 
unemployment
 
=
 
US
 
civilian
 
unemployment
 
rate
 
16-year+;
 
US
 
HPI
 
=
 
FHFA
 
house
 
price
 
index.
 
Forecast
 
period
 
based
 
on
 
20
quarters
 
from
 
Q3
 
2020.
2
 
Upside
 
scenario
 
is
 
the
 
highest
 
annual
 
average
 
growth
 
rate
 
based
 
on
 
seasonally
 
adjusted
 
quarterly
 
annualised
 
rate;
 
5-year
 
average
 
in
 
Baseline;
 
downside
 
is
 
the
lowest
 
annual
 
average
 
growth
 
rate
 
based
 
on
 
seasonally
 
adjusted
 
quarterly
 
annualised
 
rate.
3
 
Lowest
 
yearly
 
average
 
in
 
Upside
 
scenarios;
 
5-year
 
average
 
in
 
Baseline;
 
highest
 
yearly
 
average
 
in
 
Downside
 
scenarios.
4
 
Cumulative
 
growth
 
(trough
 
to
 
peak)
 
in
 
Upside
 
scenarios;
 
5-year
 
average
 
in
 
Baseline;
 
cumulative
 
fall
 
(peak-
 
to-trough)
 
in
 
Downside
 
scenarios.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
15
 
 
Macroeconomic
 
variables
 
(5-year
 
averages)
1
Upside
 
2
Upside
 
1
Baseline
Downside
 
1
Downside
 
2
As
 
at
 
30.06.20
 
%
 
%
 
%
 
%
 
%
UK
 
GDP
8.9
7.2
5.4
5.2
2.8
UK
 
unemployment
4.0
4.3
4.9
6.2
7.2
UK
 
HPI
7.8
5.0
2.3
(1.4)
(5.5)
UK
 
bank
 
rate
0.4
0.3
0.2
0.1
0.1
US
 
GDP
5.9
4.4
3.3
2.7
1.8
US
 
unemployment
4.4
5.1
6.3
8.4
10.9
US
 
HPI
5.8
3.9
2.3
(0.5)
(3.1)
US
 
federal
 
funds
 
rate
0.6
0.5
0.3
0.3
0.3
As
 
at
 
31.12.19
UK
 
GDP
3.2
2.4
1.6
0.8
(0.7)
UK
 
unemployment
3.5
3.9
4.2
5.4
7.7
UK
 
HPI
7.9
5.7
3.1
(1.1)
(6.5)
UK
 
bank
 
rate
0.5
0.5
0.7
2.5
3.7
US
 
GDP
3.5
2.8
1.9
1.0
(0.5)
US
 
unemployment
3.1
3.6
3.9
5.0
7.5
US
 
HPI
6.5
4.3
3.0
1.3
(3.7)
US
 
federal
 
funds
 
rate
1.6
1.7
1.7
2.9
3.4
As
 
at
 
30.06.19
UK
 
GDP
3.4
2.6
1.7
0.9
(0.6)
UK
 
unemployment
3.7
4.0
4.3
5.1
7.9
UK
 
HPI
7.9
5.8
3.2
0.9
(6.4)
UK
 
bank
 
rate
0.8
0.8
1.0
2.3
3.7
US
 
GDP
3.7
3.0
2.1
1.1
(0.5)
US
 
unemployment
3.1
3.5
3.7
4.7
7.4
US
 
HPI
6.5
5.4
4.1
2.4
(2.6)
US
 
federal
 
funds
 
rate
2.3
2.3
2.7
3.0
3.4
 
1
 
UK
 
GDP
 
=
 
Real
 
GDP
 
growth
 
seasonally
 
adjusted;
 
UK
 
unemployment
 
=
 
UK
 
unemployment
 
rate
 
16-year+;
 
UK
 
HPI
 
=
 
Halifax
 
All
 
Houses,
 
All
 
Buyers
 
Index;
 
US
 
GDP
 
=
 
Real
GDP
 
growth
 
seasonally
 
adjusted;
 
US
 
unemployment
 
=
 
US
 
civilian
 
unemployment
 
rate
 
16-year+;
 
US
 
HPI
 
=
 
FHFA
 
house
 
price
 
index.
 
For
 
GDP
 
and
 
HPI,
 
numbers
represent
 
average
 
of
 
seasonally
 
adjusted
 
quarterly
 
annualised
 
rates.
 
Forecast
 
period
 
based
 
on
 
20
 
quarters
 
from
 
Q3
 
2020”.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Market
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
16
 
 
Analysis
 
of
 
management
 
value
 
at
 
risk
 
(VaR
 
)
The
 
table
 
below
 
shows
 
the
 
total
 
management
 
VaR
 
on
 
a
 
diversified
 
basis
 
by
 
risk
 
factor.
 
Total
 
management
 
VaR
 
includes
 
all
 
trading
positions
 
in
 
CIB
 
and
 
Treasury
 
within
 
Barclays
 
Bank
 
Group
 
and
 
it
 
is
 
calculated
 
with
 
a
 
one-
 
day
 
holding
 
period.
Limits
 
are
 
applied
 
against
 
each
 
risk
 
factor
 
VaR
 
as
 
well
 
as
 
total
 
management
 
VaR,
 
which
 
are
 
then
 
cascaded
 
further
 
by
 
risk
 
managers
to
 
each
 
business.
 
Management
 
VaR
 
(95%)
 
by
 
asset
 
class
Half
 
year
 
ended
 
30.06.20
Half
 
year
 
ended
 
31.12.19
Half
 
year
 
ended
 
30.06.19
Average
High
1
Low
1
Average
High
1
Low
1
Average
High
1
Low
1
 
£m
£m
£m
£m
£m
£m
£m
£m
£m
Credit
 
risk
 
22
38
10
13
17
11
11
14
8
Interest
 
rate
 
risk
 
9
17
6
7
11
5
5
9
3
Equity
 
risk
 
15
35
6
11
22
5
9
16
5
Basis
 
risk
 
9
14
7
9
11
7
7
9
6
Spread
 
risk
 
5
9
3
4
5
3
4
5
3
Foreign
 
exchange
 
risk
 
4
7
2
3
5
2
3
5
2
Commodity
 
risk
 
1
1
-
1
2
-
1
1
-
Inflation
 
risk
 
1
2
1
1
2
1
2
3
2
Diversification
 
effect
1
(31)
n/a
n/a
(25)
n/a
n/a
(21)
n/a
n/a
Total
 
management
 
VaR
35
57
17
24
29
18
21
26
16
 
1
 
Diversification
 
effects
 
recognise
 
that
 
forecast
 
losses
 
from
 
different
 
assets
 
or
 
businesses
 
are
 
unlikely
 
to
 
occur
 
concurrently,
 
hence
 
the
 
expected
 
aggregate
 
loss
 
is
 
lower
than
 
the
 
sum
 
of
 
the
 
expected
 
losses
 
from
 
each
 
area.
 
Historical
 
correlations
 
between
 
losses
 
are
 
taken
 
into
 
account
 
in
 
making
 
these
 
assessments.
 
The
 
high
 
and
 
low
VaR
 
figures
 
reported
 
for
 
each
 
category
 
did
 
not
 
necessarily
 
occur
 
on
 
the
 
same
 
day
 
as
 
the
 
high
 
and
 
low
 
VaR
 
reported
 
as
 
a
 
whole.
 
Consequently,
 
a
 
divers
 
ification
 
effect
balance
 
for
 
the
 
high
 
and
 
low
 
VaR
 
figures
 
would
 
not
 
be
 
meaningful
 
and
 
is
 
therefore
 
omitted
 
from
 
the
 
above
 
table.
 
 
Average
 
management
 
VaR
 
increased
 
46%
 
to
 
£35m
 
in
 
H120
 
(H219:
 
£24m)
 
as
 
elevated
 
market
 
volatility
 
resulted
 
in
 
an
 
increase
 
in
credit
 
and
 
equity
 
risk.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
Treasury
 
and
 
Capital
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
17
 
 
Funding
 
and
 
liquidity
 
Overview
The
 
liquidity
 
pool
 
increased
 
to
 
£234bn
 
(December
 
2019:
 
£169bn)
 
driven
 
by
 
customer
 
deposit
 
growth
 
and
 
actions
 
to
 
maintain
 
a
prudent
 
funding
 
and
 
liquidity
 
position
 
in
 
the
 
current
 
environment.
 
For
 
the
 
purpose
 
of
 
liquidity
 
management,
 
Barclays
 
Bank
 
PLC
 
and
 
its
 
subsidiary
 
Barclays
 
Capital
 
Securities
 
Limited,
 
a
 
UK
 
broker
dealer
 
entity,
 
are
 
monitored
 
on
 
a
 
combined
 
basis
 
by
 
the
 
PRA
 
under
 
Barclays
 
Bank
 
PLC
 
DoLSub
 
arrangement.
Liquidity
 
risk
 
stress
 
testing
The
 
liquidity
 
risk
 
stress
 
assessment
 
measures
 
the
 
potential
 
contractual
 
and
 
contingent
 
stress
 
outflows
 
under
 
a
 
range
 
of
 
scenarios,
which
 
are
 
then
 
used
 
to
 
determine
 
the
 
size
 
of
 
the
 
liquidity
 
pool
 
that
 
is
 
immediately
 
available
 
to
 
meet
 
anticipated
 
outflows
 
if
 
a
 
stress
occurs.
 
The
 
scenarios
 
include
 
a
 
30
 
day
 
Barclays
 
-specific
 
stress
 
event,
 
a
 
90
 
day
 
market
 
-wide
 
stress
 
event
 
and
 
a
 
30
 
day
 
combined
scenario
 
consisting
 
of
 
both
 
a
 
Barclays
 
specific
 
and
 
market
 
-wide
 
stress
 
event.
 
The
 
CRR
 
(as
 
amended
 
by
 
CRR
 
II)
 
Liquidity
 
Coverage
 
rati
 
o
 
(LCR)
 
requirement
 
takes
 
into
 
account
 
the
 
relative
 
stability
 
of
 
different
sources
 
of
 
funding
 
and
 
potential
 
incremental
 
funding
 
requirements
 
in
 
a
 
stress.
 
The
 
LCR
 
is
 
designed
 
to
 
promote
 
short-term
resilience
 
of
 
a
 
bank’s
 
liquidity
 
risk
 
profile
 
by
 
holding
 
sufficient
 
high
 
quality
 
liquid
 
assets
 
to
 
survive
 
an
 
acute
 
stress
 
scenario
 
lasting
for
 
30
 
days.
 
As
 
at
 
30
 
June
 
2020,
 
Barclays
 
Bank
 
PLC
 
DoLSub
 
held
 
eligible
 
liquid
 
assets
 
well
 
above
 
100%
 
of
 
the
 
net
 
stress
 
outflows
 
to
 
its
 
internal
and
 
regulatory
 
requirements.
 
The
 
proportion
 
of
 
the
 
liquidity
 
pool
 
between
 
cash
 
and
 
deposits
 
with
 
central
 
banks,
 
government
bonds
 
and
 
other
 
eligible
 
securities
 
is
 
broadly
 
similar
 
to
 
the
 
Barclays
 
Group.
 
A
 
significant
 
portion
 
of
 
the
 
liquidity
 
pool
 
is
 
located
 
in
 
Barclays
 
Bank
 
PLC
 
and
 
Barclays
 
Bank
 
Ireland
 
PLC
 
.
 
The
 
residual
 
portion
 
of
 
the
liquidity
 
pool,
 
which
 
is
 
predominantly
 
in
 
the
 
US
 
subsidiaries,
 
is
 
held
 
against
 
entity-
 
specific
 
stress
 
outflows
 
and
 
local
 
regulatory
requirements.
 
As
 
at
 
As
 
at
 
30.06.20
31.12.19
£bn
£bn
Barclays
 
Bank
 
Group
 
liquidity
 
pool
 
234
169
%
%
Barclays
 
Bank
 
PLC
 
DoLSub
 
liquidity
 
coverage
 
ratio
166
141
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Treasury
 
and
 
Capital
 
Risk
 
 
 
 
Barclays
 
Bank
 
PLC
 
18
 
 
Capital
 
and
 
leverage
Barclays
 
Bank
 
PLC
 
is
 
currently
 
regulated
 
by
 
the
 
PRA
 
on
 
a
 
solo-consolidated
 
basis.
 
Barclays
 
Bank
 
PLC
 
solo-consolidated
 
comprises
Barclays
 
Bank
 
PLC
 
plus
 
certain
 
additional
 
subsidiaries,
 
subject
 
to
 
PRA
 
approval.
 
The
 
disclosures
 
below
 
provide
 
key
 
capital
 
metrics
for
 
Barclays
 
Bank
 
PLC
 
solo-consolidated
 
with
 
further
 
information
 
on
 
its
 
risk
 
profile
 
to
 
be
 
included
 
in
 
the
 
Barclays
 
PLC
 
Pillar
 
3
 
Report
H1
 
2020,
 
expected
 
to
 
be
 
published
 
on
 
14
 
August
 
2020,
 
and
 
which
 
will
 
be
 
available
 
at
 
home.barclays/investor
 
-relations/reports-
and-events
 
/latest
 
-financial-results
 
.
 
On
 
27
 
June
 
2019,
 
CRR
 
II
 
came
 
into
 
force
 
amending
 
CRR.
 
As
 
an
 
amending
 
regulation,
 
the
 
existing
 
provisions
 
of
 
CRR
 
apply
 
unless
 
they
are
 
amended
 
by
 
CRR
 
II.
 
Certain
 
aspects
 
of
 
CRR
 
II
 
are
 
dependent
 
on
 
final
 
technical
 
standards
 
to
 
be
 
issued
 
by
 
the
 
European
 
Banking
Authority
 
(EBA)
 
and
 
adopted
 
by
 
the
 
European
 
Commission
 
as
 
well
 
as
 
UK
 
implementation
 
of
 
the
 
rules.
 
 
On
 
27
 
June
 
2020,
 
CRR
 
was
 
further
 
amended
 
to
 
accelerate
 
specific
 
CRR
 
II
 
measures
 
and
 
implement
 
a
 
new
 
IFRS
 
9
 
transitional
 
relief
calculation.
 
Previously
 
due
 
to
 
be
 
implemented
 
in
 
June
 
2021,
 
the
 
accelerated
 
measures
 
primarily
 
relate
 
to
 
the
 
CRR
 
leverage
calculation
 
to
 
include
 
additional
 
settlement
 
netting
 
and
 
limited
 
changes
 
to
 
the
 
calculation
 
of
 
RWAs
 
.
 
The
 
IFRS
 
9
 
transitional
 
arrangements
 
have
 
been
 
extended
 
by
 
two
 
years
 
and
 
a
 
new
 
modified
 
calculation
 
has
 
been
 
introduced.
 
100%
relief
 
will
 
be
 
applied
 
to
 
increases
 
in
 
stage
 
1
 
and
 
stage
 
2
 
provisions
 
from
 
1
 
January
 
2020
 
throughout
 
2020
 
and
 
2021;
 
75%
 
in
 
2022;
50%
 
in
 
2023;
 
25%
 
in
 
2024
 
with
 
no
 
relief
 
applied
 
from
 
2025.
 
The
 
phasing
 
out
 
of
 
transitional
 
relief
 
on
 
the
 
“day
 
1”
 
impact
 
of
 
IFRS
 
9
 
as
well
 
as
 
increases
 
in
 
stage
 
1
 
and
 
stage
 
2
 
provisions
 
between
 
1
 
January
 
2018
 
and
 
31
 
December
 
2019
 
under
 
the
 
modified
 
calculation
remain
 
unchanged
 
and
 
continue
 
to
 
be
 
subject
 
to
 
70%
 
transitional
 
relief
 
throughout
 
2020;
 
50%
 
for
 
2021;
 
25%
 
for
 
2022
 
and
 
with
 
no
relief
 
applied
 
from
 
2023.
 
Also
 
impacting
 
own
 
funds
 
from
 
30
 
June
 
2020
 
until
 
31
 
December
 
2020
 
inclusive
 
are
 
amendments
 
to
 
the
 
regulatory
 
technical
standards
 
on
 
prudential
 
valuation
 
which
 
include
 
an
 
increase
 
to
 
diversification
 
factors
 
applied
 
to
 
certain
 
additional
 
valuation
adjustment
 
s.
 
The
 
disclosures
 
in
 
the
 
following
 
section
 
reflect
 
Barclays’
 
interpretation
 
of
 
the
 
current
 
rules
 
and
 
guidance.
 
Capital
 
ratios
1,2,3
As
 
at
30.06.20
As
 
at
31.12.19
CET1
14.3%
13.9%
Tier
 
1
 
(T1)
17.8%
18.1%
Total
 
regulatory
 
capital
21.0%
22.1%
 
Capital
 
resources
£m
£m
CET1
 
capital
27,197
22,080
T1
 
capital
33,781
28,600
Total
 
regulatory
 
capital
39,965
34,955
Risk
 
weighted
 
assets
 
(RWAs)
190,049
158,393
 
Leverage
 
ratio
1,4
£m
£m
CRR
 
leverage
 
ratio
4.1%
3.9%
T1
 
capital
33,781
28,600
CRR
 
leverage
 
exposure
817,372
731,715
 
1
 
Capital
 
,
 
RWAs
 
and
 
leverage
 
are
 
calculated
 
applying
 
the
 
transitional
 
arrangements
 
of
 
the
 
CRR
 
as
 
amended
 
by
 
CRR
 
II
 
applicable
 
as
 
at
 
the
 
reporting
 
date
 
.
 
This
 
includes
IFRS
 
9
 
transitional
 
arrangements
 
and
 
the
 
grandfathering
 
of
 
CRR
 
and
 
CRR
 
II
 
non-compliant
 
capital
 
instruments.
 
2
 
The
 
fully
 
loaded
 
CET1
 
ratio
 
was
 
13.8%,
 
with
 
£26,116m
 
of
 
CET1
 
capital
 
and
 
£189,150
 
m
 
of
 
RWAs
 
calculated
 
without
 
applyin
 
g
 
the
 
transitional
 
arrangements
 
of
 
the
 
CRR
as
 
amended
 
by
 
CRR
 
II
 
applicable
 
as
 
at
 
the
 
reporting
 
date
 
.
 
3
 
The
 
Barclays
 
PLC
 
CET1
 
ratio,
 
as
 
is
 
relevant
 
for
 
assessing
 
against
 
the
 
conversion
 
trigger
 
in
 
Barclays
 
Bank
 
PLC
 
Tier
 
2
 
Contingent
 
Capital
 
Notes,
 
was
 
14.2%.
 
For
 
this
calculation
 
CET1
 
capital
 
and
 
RWAs
 
are
 
calculated
 
applying
 
the
 
transitional
 
arrangements
 
under
 
the
 
CRR,
 
including
 
the
 
IFRS
 
9
 
transitional
 
arrangements.
 
The
 
benefit
of
 
the
 
Financial
 
Services
 
Authority
 
(FSA
 
)
 
October
 
2012
 
interpretation
 
of
 
the
 
transitional
 
provisions,
 
relating
 
to
 
the
 
implementation
 
of
 
CRD
 
IV,
 
expired
 
in
 
December
2017.
 
4
 
Barclays
 
Bank
 
PLC
 
solo-consolidated
 
d
 
isclose
 
s
 
the
 
CRR
 
Leverage
 
Ratio
 
and
 
has
 
no
 
binding
 
requirement
 
as
 
at
 
30
 
June
 
2020.
 
Had
 
the
 
UK
 
leverage
 
rules
 
been
 
applied,
which
 
provide
 
s
 
a
 
similar
 
exclusion
 
for
 
qualifying
 
claims
 
on
 
central
 
banks
 
as
 
under
 
CRR
 
II,
 
the
 
30
 
June
 
leverage
 
exposure
 
would
 
have
 
reduced
 
to
 
£713.2bn
 
and
 
the
ratio
 
would
 
have
 
increased
 
to
 
4.6%.
 
The
 
exclusion
 
for
 
qualifying
 
claims
 
on
 
central
 
banks
 
under
 
CRR
 
II
 
is
 
subject
 
to
 
PRA
 
approval
 
for
 
all
 
UK
 
banks
 
and
 
as
 
at
 
30
 
June
2020
 
this
 
approval
 
had
 
not
 
been
 
given.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Condensed
 
Consolidated
 
Financial
 
Statements
 
 
 
 
Barclays
 
Bank
 
PLC
 
19
 
 
Condensed
 
consolidated
 
income
 
statement
 
(unaudited)
Half
 
year
ended
Half
 
year
ended
30.06.20
30.06.19
Notes
1
£m
£m
Interest
 
and
 
similar
 
income
3,173
3,938
Interest
 
and
 
similar
 
expense
(1,502)
(2,117)
Net
 
interest
 
income
1,671
1,821
Fee
 
and
 
commission
 
income
3,818
3,790
Fee
 
and
 
commission
 
expense
(939)
(961)
Net
 
fee
 
and
 
commission
 
income
3
2,879
2,829
Net
 
trading
 
income
4,225
2,093
Net
 
investment
 
income
(146)
337
Other
 
income
8
42
Total
 
income
8,637
7,122
Credit
 
impairment
 
charges
(2,674)
(510)
Net
 
operating
 
income
5,963
6,612
Staff
 
costs
(2,191)
(2,354)
Infrastructure,
 
administration
 
and
 
general
 
expenses
(2,357)
(2,488)
Litigation
 
and
 
conduct
(19)
(68)
Operating
 
expenses
(4,567)
(4,910)
Share
 
of
 
post-tax
 
results
 
of
 
associates
 
and
 
joint
 
ventures
1
13
Profit
 
on
 
disposal
 
of
 
subsidiaries,
 
associates
 
and
 
joint
 
ventures
126
10
Profit
 
before
 
tax
1,523
1,725
Tax
 
charge
4
(230)
(260)
Profit
 
after
 
tax
1,293
1,465
Attributable
 
to:
Equity
 
holders
 
of
 
the
 
parent
960
1,171
Other
 
equity
 
instrument
 
holders
333
294
Profit
 
after
 
tax
1,293
1,465
 
1
 
For
 
notes
 
to
 
the
 
Financial
 
Statements
 
see
 
pages
 
25
 
to
 
44.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Condensed
 
Consolidated
 
Financial
 
Statements
 
 
 
 
Barclays
 
Bank
 
PLC
 
20
 
 
Condensed
 
consolidated
 
statement
 
of
 
comprehensive
 
income
 
(unaudited)
Half
 
year
 
ended
Half
 
year
 
ended
30.06.20
30.06.19
Notes
1
£m
£m
Profit
 
after
 
tax
1,293
1,465
Other
 
comprehensive
 
income/(loss)
 
that
 
may
 
be
 
recycled
 
to
 
profit
 
or
 
loss
2
Currency
 
translation
 
reserve
12
1,386
232
Fair
 
value
 
through
 
other
 
comprehensive
 
income
 
reserve
12
137
359
Cash
 
flow
 
hedging
 
reserve
12
1,065
612
Other
(6)
-
Other
 
comprehensive
 
income
 
that
 
may
 
be
 
recycled
 
to
 
profit
2,582
1,203
Other
 
comprehensive
 
income/(loss)
 
not
 
recycled
 
to
 
profit
 
or
 
loss
Retirement
 
benefit
 
remeasurements
9
645
(140)
Own
 
credit
12
496
44
Other
 
comprehensive
 
income/(loss)
 
not
 
recycled
 
to
 
profit
 
or
 
loss
1,141
(96)
Other
 
comprehensive
 
income
 
for
 
the
 
period
3,723
1,107
Total
 
comprehensive
 
income
 
for
 
the
 
period
5,016
2,572
 
1
 
For
 
notes
 
to
 
the
 
Financial
 
Statements
 
see
 
pages
 
25
 
to
 
44.
 
2
 
Reported
 
net
 
of
 
tax.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Condensed
 
Consolidated
 
Financial
 
Statements
 
 
 
 
Barclays
 
Bank
 
PLC
 
21
 
 
Condensed
 
consolidated
 
balance
 
sheet
 
(unaudited)
As
 
at
As
 
at
30.06.20
31.12.19
Assets
Notes
1
£m
£m
Cash
 
and
 
balances
 
at
 
central
 
banks
155,792
125,940
Cash
 
collateral
 
and
 
settlement
 
balances
130,873
79,486
Loans
 
and
 
advances
 
at
 
amortised
 
cost
150,203
141,636
Reverse
 
repurchase
 
agreements
 
and
 
other
 
similar
 
secured
 
lending
19,811
1,731
Trading
 
portfolio
 
assets
109,461
113,337
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
 
statement
155,540
129,470
Derivative
 
financial
 
instruments
307,650
229,641
Financial
 
assets
 
at
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
55,161
45,406
Investments
 
in
 
associates
 
and
 
joint
 
ventures
30
295
Goodwill
 
and
 
intangible
 
assets
1,250
1,212
Property,
 
plant
 
and
 
equipment
1,654
1,631
Current
 
tax
 
assets
984
898
Deferred
 
tax
 
assets
4
2,639
2,460
Retirement
 
benefit
 
assets
9
2,848
2,108
Other
 
assets
2,062
1,421
Total
 
assets
1,095,958
876,672
Liabilities
Deposits
 
at
 
amortised
 
cost
245,737
213,881
Cash
 
collateral
 
and
 
settlement
 
balances
113,341
67,682
Repurchase
 
agreements
 
and
 
other
 
similar
 
secured
 
borrowing
4,033
2,032
Debt
 
securities
 
in
 
issue
50,496
33,536
Subordinated
 
liabilities
7
36,965
33,425
Trading
 
portfolio
 
liabilities
50,378
35,212
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
222,142
204,446
Derivative
 
financial
 
instruments
307,989
228,940
Current
 
tax
 
liabilities
310
320
Deferred
 
tax
 
liabilities
4
1,084
80
Retirement
 
benefit
 
liabilities
9
319
313
Other
 
liabilities
5,385
5,239
Provisions
8
1,085
951
Total
 
liabilities
1,039,264
826,057
Equity
Called
 
up
 
share
 
capital
 
and
 
share
 
premium
10
2,348
2,348
Other
 
equity
 
instruments
11
8,323
8,323
Other
 
reserves
12
6,319
3,235
Retained
 
earnings
 
39,704
36,709
Total
 
equity
56,694
50,615
Total
 
liabilities
 
and
 
equity
1,095,958
876,672
 
1
 
For
 
notes
 
to
 
the
 
Financial
 
Statements
 
see
 
pages
 
25
 
to
 
44.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Condensed
 
Consolidated
 
Financial
 
Statements
 
 
 
 
Barclays
 
Bank
 
PLC
 
22
 
 
Condensed
 
consolidated
 
statement
 
of
 
changes
 
in
 
equity
 
(unaudited)
Called
 
up
 
share
capital
 
and
share
 
premium
1
Other
 
equity
instruments
1
Other
reserves
1
Retained
earnings
Total
Half
 
year
 
ended
 
30.06.20
£m
£m
£m
£m
£m
Balance
 
as
 
at
 
1
 
January
 
2020
2,348
8,323
3,235
36,709
50,615
Profit
 
after
 
tax
-
333
-
960
1,293
Currency
 
translation
 
movements
-
-
1,386
-
1,386
Fair
 
value
 
through
 
other
 
comprehensive
 
income
 
reserve
-
-
137
-
137
Cash
 
flow
 
hedges
-
-
1,065
-
1,065
Retirement
 
benefit
 
remeasurements
-
-
-
645
645
Own
 
credit
 
-
-
496
-
496
Other
-
-
-
(6)
(6)
Total
 
comprehensive
 
income
 
for
 
the
 
period
-
333
3,084
1,599
5,016
Other
 
equity
 
instruments
 
coupons
 
paid
-
(333)
-
-
(333)
Equity
 
settled
 
share
 
schemes
-
-
-
475
475
Vesting
 
of
 
Barclays
 
PLC
 
shares
 
under
 
equity
 
settled
 
share
schemes
-
-
-
(289)
(289)
Dividends
 
paid
-
-
-
(263)
(263)
Dividends
 
paid
 
-
 
preference
 
shares
-
-
-
(28)
(28)
Capital
 
contribution
 
from
 
Barclays
 
PLC
-
-
-
1,500
1,500
Other
 
movements
-
-
-
1
1
Balance
 
as
 
at
 
30
 
June
 
2020
2,348
8,323
6,319
39,704
56,694
Half
 
year
 
ended
 
31.12.19
Balance
 
as
 
at
 
1
 
July
 
2019
2,348
9,402
4,608
36,252
52,610
Profit
 
after
 
tax
-
366
-
949
1,315
Currency
 
translation
 
movements
-
-
(776)
-
(776)
Fair
 
value
 
through
 
other
 
comprehensive
 
income
 
reserve
-
-
(200)
-
(200)
Cash
 
flow
 
hedges
-
-
(101)
-
(101)
Retirement
 
benefit
 
remeasurements
-
-
-
(54)
(54)
Own
 
credit
-
-
(296)
-
(296)
Other
-
-
-
16
16
Total
 
comprehensive
 
income
 
for
 
the
 
period
-
366
(1,373)
911
(96)
Issue
 
and
 
exchange
 
of
 
other
 
equity
 
instruments
-
(1,079)
-
(395)
(1,474)
Other
 
equity
 
instruments
 
coupons
 
paid
-
(366)
-
-
(366)
Equity
 
settled
 
share
 
schemes
-
-
-
194
194
Vesting
 
of
 
Barclays
 
PLC
 
shares
 
under
 
equity
 
settled
 
share
schemes
-
-
-
(9)
(9)
Dividends
 
paid
-
-
-
(233)
(233)
Dividends
 
paid
 
-
 
preference
 
shares
(14)
(14)
Other
 
movements
-
-
-
3
3
Balance
 
as
 
at
 
31
 
December
 
2019
2,348
8,323
3,235
36,709
50,615
 
1
 
Details
 
of
 
share
 
capital,
 
other
 
equity
 
instruments
 
and
 
other
 
reserves
 
are
 
shown
 
on
 
pages
 
25
 
to
 
44
.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Condensed
 
Consolidated
 
Financial
 
Statements
 
 
 
 
Barclays
 
Bank
 
PLC
 
23
 
 
Condensed
 
consolidated
 
statement
 
of
 
changes
 
in
 
equity
 
(unaudited)
Called
 
up
 
share
capital
 
and
share
premium
1
Other
 
equity
instruments
1
Other
reserves
1
Retained
earnings
Total
Non-
controlling
interests
Total
equity
Half
 
year
 
ended
 
30.06.19
£m
£m
£m
£m
£m
£m
£m
Balance
 
as
 
at
 
1
 
January
 
2019
2,348
7,595
3,361
34,405
47,709
2
47,711
Profit
 
after
 
tax
-
294
-
1,171
1,465
-
1,465
Currency
 
translation
 
movements
-
-
232
-
232
-
232
Fair
 
value
 
through
 
other
 
comprehensive
 
income
reserve
-
-
359
-
359
-
359
Cash
 
flow
 
hedges
-
-
612
-
612
-
612
Retirement
 
benefit
 
remeasurements
-
-
-
(140)
(140)
-
(140)
Own
 
credit
-
-
44
-
44
-
44
Total
 
comprehensive
 
income
 
for
 
the
 
period
-
294
1,247
1,031
2,572
-
2,572
Issue
 
or
 
exchange
 
of
 
other
 
equity
 
instruments
-
1,807
-
(11)
1,796
-
1,796
Other
 
equity
 
instruments
 
coupon
 
paid
(294)
-
(294)
-
(294)
Equity
 
settled
 
share
 
schemes
-
-
-
198
198
-
198
Vesting
 
of
 
Barclays
 
PLC
 
shares
 
under
 
equity
 
settled
share
 
schemes
-
-
-
(340)
(340)
-
(340)
Dividends
 
paid
 
-
 
preference
 
shares
-
-
-
(27)
(27)
-
(27)
Capital
 
contribution
 
from
 
Barclays
 
PLC
-
-
-
995
995
-
995
Other
 
movements
-
-
-
1
1
(2)
(1)
Balance
 
as
 
at
 
30
 
June
 
2019
2,348
9,402
4,608
36,252
52,610
-
52,610
 
1
 
Details
 
of
 
share
 
capital,
 
other
 
equity
 
instruments
 
and
 
other
 
reserves
 
are
 
shown
 
on
 
pages
 
25
 
to
 
44.
 
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Condensed
 
Consolidated
 
Financial
 
Statements
 
 
 
 
Barclays
 
Bank
 
PLC
 
24
 
 
Condensed
 
consolidated
 
cash
 
flow
 
statement
 
(unaudited)
Half
 
year
ended
Half
 
year
ended
30.06.20
30.06.19
£m
£m
Profit
 
before
 
tax
 
1,523
1,725
Adjustment
 
for
 
non-cash
 
items
301
314
Net
 
increase
 
in
 
loans
 
and
 
advances
 
at
 
amortised
 
cost
(11,096)
(6,368)
Net
 
increase
 
in
 
deposits
 
at
 
amortised
 
cost
32,357
15,553
Net
 
increase
 
in
 
debt
 
securities
 
in
 
issue
16,960
3,188
Changes
 
in
 
other
 
operating
 
assets
 
and
 
liabilities
4,825
(16,727)
Corporate
 
income
 
tax
 
paid
(270)
(260)
Net
 
cash
 
from
 
operating
 
activities
44,600
(2,575)
Net
 
cash
 
from
 
investing
 
activities
(7,022)
(9,094)
Net
 
cash
 
from
 
financing
 
activities
653
2,552
Effect
 
of
 
exchange
 
rates
 
on
 
cash
 
and
 
cash
 
equivalents
7,813
652
Net
 
increase/(decrease)
 
in
 
cash
 
and
 
cash
 
equivalents
46,044
(8,465)
Cash
 
and
 
cash
 
equivalents
 
at
 
beginning
 
of
 
the
 
period
156,016
167,357
Cash
 
and
 
cash
 
equivalents
 
at
 
end
 
of
 
the
 
period
202,060
158,892
 
 
bbplch120p2i0.gif
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
25
 
 
1.
 
Basis
 
of
 
preparation
These
 
condensed
 
consolidated
 
interim
 
financial
 
statements
 
for
 
the
 
six
 
months
 
ended
 
30
 
June
 
2020
 
have
 
been
 
prepared
 
in
accordance
 
with
 
the
 
Disclosure
 
and
 
Transparency
 
Rules
 
(DTR)
 
of
 
the
 
Financial
 
Conduct
 
Authority
 
UK
 
(FCA)
 
and
 
with
 
IAS
 
34,
 
Interim
Financial
 
Reporting,
 
as
 
published
 
by
 
the
 
International
 
Accounting
 
Standards
 
Board
 
(IASB)
 
and
 
adopted
 
by
 
the
 
EU.
 
The
 
condensed
consolidated
 
interim
 
financial
 
statements
 
should
 
be
 
read
 
in
 
conjunction
 
with
 
the
 
annual
 
financial
 
statements
 
for
 
the
 
year
 
ended
 
31
December
 
2019,
 
which
 
have
 
been
 
prepared
 
in
 
accordance
 
with
 
IFRSs
 
as
 
published
 
by
 
the
 
IASB
 
and
 
as
 
adopted
 
by
 
the
 
EU.
 
 
The
 
accounting
 
policies
 
and
 
methods
 
of
 
computation
 
used
 
in
 
these
 
condensed
 
consolidated
 
interim
 
financial
 
statements
 
are
 
the
same
 
as
 
those
 
used
 
in
 
the
 
Barclays
 
Bank
 
PLC
 
Annual
 
Report
 
2019.
 
 
1.
 
Going
 
concern
The
 
financial
 
statements
 
are
 
prepared
 
on
 
a
 
going
 
concern
 
basis,
 
as
 
the
 
Directors
 
are
 
satisfied
 
that
 
the
 
Barclays
 
Bank
 
Group
 
and
parent
 
company
 
have
 
the
 
resources
 
to
 
continue
 
in
 
business
 
for
 
the
 
foreseeable
 
future.
 
In
 
making
 
this
 
assessment,
 
the
 
Directors
have
 
considered
 
a
 
wide
 
range
 
of
 
information
 
relating
 
to
 
present
 
and
 
future
 
conditions,
 
including
 
future
 
projection
 
s
 
of
 
profitability,
capital
 
requirements
 
and
 
capital
 
resources.
 
2.
 
Other
 
disclosures
The
 
Credit
 
risk
 
disclosures
 
on
 
pages
 
8
 
to
 
15
 
form
 
part
 
of
 
these
 
interim
 
financial
 
statements.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
26
 
 
2.
 
Segmental
 
reporting
 
Analysis
 
of
 
results
 
by
 
business
Corporate
 
and
Investment
 
Bank
Consumer,
 
Cards
and
 
Payments
Head
 
Office
Barclays
 
Bank
Group
Half
 
year
 
ended
 
30.06.20
£m
£m
£m
£m
Total
 
income
6,973
1,742
(78)
8,637
Credit
 
impairment
 
charges
(1,320)
(1,299)
(55)
(2,674)
Net
 
operating
 
income/(expenses)
5,653
443
(133)
5,963
Operating
 
expenses
(3,458)
(1,053)
(37)
(4,548)
Litigation
 
and
 
conduct
(4)
(8)
(7)
(19)
Total
 
operating
 
expenses
(3,462)
(1,061)
(44)
(4,567)
Other
 
net
 
income/(expenses)
1
12
115
-
127
Profit/(loss)
 
before
 
tax
2,203
(503)
(177)
1,523
As
 
at
 
30.06.20
£bn
£bn
£bn
£bn
Total
 
assets
1,017.1
66.0
12.9
1,096.0
 
Corporate
 
and
Investment
 
Bank
Consumer,
 
Cards
and
 
Payments
Head
 
Office
Barclays
 
Bank
Group
Half
 
year
 
ended
 
30.06.19
£m
£m
£m
£m
Total
 
income
5,149
2,193
(220)
7,122
Credit
 
impairment
 
charges
(96)
(396)
(18)
(510)
Net
 
operating
 
income/(expenses)
5,053
1,797
(238)
6,612
Operating
 
expenses
(3,589)
(1,207)
(45)
(4,841)
Litigation
 
and
 
conduct
(26)
(4)
(39)
(69)
Total
 
operating
 
expenses
(3,615)
(1,211)
(84)
(4,910)
Other
 
net
 
income/(expenses)
1
15
16
(8)
23
Profit/(loss)
 
before
 
tax
1,453
602
(330)
1,725
As
 
at
 
31.12.19
£bn
£bn
£bn
£bn
Total
 
assets
799.6
65.7
11.4
876.7
 
 
1
 
Other
 
net
 
income/(expenses)
 
represents
 
the
 
share
 
of
 
post
 
-tax
 
results
 
of
 
associates
 
and
 
joint
 
ventures,
 
profit
 
(or
 
loss)
 
on
 
disposal
 
of
 
subsidiaries,
 
associates
 
and
 
joint
ventures
 
and
 
gains
 
on
 
acquisitions.
 
Split
 
of
 
income
 
by
 
geographic
 
region
1
Half
 
year
 
ended
Half
 
year
 
ended
30.06.20
30.06.19
£m
£m
UK
2,835
2,089
Europe
1,240
783
Americas
3,872
3,680
Africa
 
and
 
Middle
 
East
23
41
Asia
667
529
Total
 
8,637
7,122
 
1
 
The
 
geographical
 
analysis
 
is
 
now
 
based
 
on
 
the
 
location
 
of
 
office
 
where
 
the
 
transactions
 
are
 
recorded,
 
whereas
 
in
 
the
 
prior
 
year
 
it
 
was
 
based
 
on
 
counterparty
location.
 
The
 
approach
 
was
 
changed
 
at
 
year
 
-end
 
2019
 
and
 
is
 
better
 
aligned
 
to
 
the
 
geographical
 
view
 
of
 
the
 
business
 
following
 
the
 
implementation
 
of
 
structural
reform.
 
Prior
 
year
 
comparatives
 
have
 
been
 
restated.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
27
 
 
3.
 
Net
 
fee
 
and
 
commission
 
income
Fee
 
and
 
commission
 
income
 
is
 
disaggregated
 
below
 
and
 
includes
 
a
 
total
 
for
 
fees
 
in
 
scope
 
of
 
IFRS
 
15,
 
Revenue
 
from
 
Contracts
 
with
Customers:
Corporate
 
and
Investment
 
Bank
Consumer,
 
Cards
 
and
Payments
Head
 
Office
Total
Half
 
year
 
ended
 
30.06.20
£m
£m
£m
£m
Fee
 
type
Transactional
 
177
968
-
1,145
Advisory
260
46
-
306
Brokerage
 
and
 
execution
654
31
-
685
Underwriting
 
and
 
syndication
1,468
-
-
1,468
Other
35
100
19
154
Total
 
revenue
 
from
 
contracts
 
with
 
customers
2,594
1,145
19
3,758
Other
 
non-contract
 
fee
 
income
57
3
-
60
Fee
 
and
 
commission
 
income
2,651
1,148
19
3,818
Fee
 
and
 
commission
 
expense
(441)
(497)
(1)
(939)
Net
 
fee
 
and
 
commission
 
income
2,210
651
18
2,879
 
Corporate
 
and
Investment
 
Bank
Consumer,
 
Cards
 
and
Payments
Head
 
Office
Total
Half
 
year
 
ended
 
30.06.19
£m
£m
£m
£m
Fee
 
type
Transactional
 
185
1,168
-
1,353
Advisory
364
41
-
405
Brokerage
 
and
 
execution
512
24
-
536
Underwriting
 
and
 
syndication
1,240
-
-
1,240
Other
62
124
16
202
Total
 
revenue
 
from
 
contracts
 
with
 
customers
2,363
1,357
16
3,736
Other
 
non-contract
 
fee
 
income
54
-
-
54
Fee
 
and
 
commission
 
income
2,417
1,357
16
3,790
Fee
 
and
 
commission
 
expense
(350)
(611)
-
(961)
Net
 
fee
 
and
 
commission
 
income
2,067
746
16
2,829
 
Transactional
 
fees
 
are
 
service
 
charges
 
on
 
deposit
 
accounts,
 
cash
 
management
 
services
 
and
 
transactional
 
processing
 
fees.
 
This
includes
 
interchange
 
and
 
merchant
 
fee
 
income
 
generated
 
from
 
credit
 
and
 
bank
 
card
 
usage.
 
Advisory
 
fees
 
are
 
generated
 
from
 
asset
 
management
 
services
 
and
 
advisory
 
services
 
related
 
to
 
mergers,
 
acquisitions
 
and
 
financial
restructuring.
 
Brokerage
 
and
 
execution
 
fees
 
are
 
earned
 
for
 
executing
 
client
 
transactions
 
with
 
exchanges
 
and
 
over
 
-the-counter
 
markets
 
and
assisting
 
clients
 
in
 
clearing
 
transactions.
 
Underwriting
 
and
 
syndication
 
fees
 
are
 
earned
 
for
 
the
 
distribution
 
of
 
client
 
equity
 
or
 
debt
 
securities,
 
and
 
the
 
arrangement
 
and
administration
 
of
 
a
 
loan
 
syndication.
 
This
 
includes
 
commitment
 
fees
 
to
 
provide
 
loan
 
financing.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
28
 
 
4.
 
Tax
 
The
 
tax
 
charge
 
for
 
H120
 
was
 
£230m
 
(H119:
 
£260m),
 
representing
 
an
 
effective
 
tax
 
rate
 
of
 
15.1%
 
(H119:
 
15.1%).
 
As
 
at
As
 
at
30.06.20
31.12.19
Deferred
 
tax
 
assets
 
and
 
liabilities
£m
£m
USA
2,168
2,052
Other
 
territories
 
471
408
Deferred
 
tax
 
assets
2,639
2,460
Deferred
 
tax
 
liabilities
 
-
 
UK
(1,084)
(80)
Analysis
 
of
 
deferred
 
tax
 
assets
Temporary
 
differences
2,184
1,937
Tax
 
losses
455
523
Deferred
 
tax
 
assets
2,639
2,460
 
 
5.
 
Dividends
 
on
 
ordinary
 
shares
 
Half
 
year
 
ended
 
30.06.20
Half
 
year
 
ended
 
30.06.19
Dividends
 
paid
 
during
 
the
 
period
£m
 
£m
 
Ordinary
 
shares
263
-
Preference
 
shares
28
27
Total
291
27
 
A
 
dividend
 
of
 
£263m
 
was
 
paid
 
on
 
25
 
March
 
2020
 
by
 
Barclays
 
Bank
 
PLC
 
to
 
its
 
parent
 
Barclays
 
PLC.
 
This
 
was
 
prior
 
to
 
the
announcement
 
made
 
by
 
the
 
PRA
 
on
 
31
 
March
 
2020
 
that
 
capital
 
be
 
preserved
 
for
 
use
 
in
 
serving
 
Barclays
 
customers
 
and
 
clients
through
 
the
 
extraordinary
 
challenges
 
presented
 
by
 
the
 
COVID
 
-19
 
pandemic.
 
As
 
part
 
of
 
a
 
response
 
to
 
this
 
announcement,
 
Barcl
 
ays
PLC
 
took
 
steps
 
to
 
provide
 
additional
 
capital
 
to
 
Barclays
 
Bank
 
PLC
 
as
 
part
 
of
 
the
 
£1.5bn
 
of
 
capital
 
contributions
 
made
 
during
 
H120.
 
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
29
 
 
6.
 
Fair
 
value
 
of
 
financial
 
instruments
This
 
section
 
should
 
be
 
read
 
in
 
conjunction
 
with
 
Note
 
16,
 
Fair
 
value
 
of
 
financial
 
instruments
 
of
 
the
 
Barclays
 
Bank
 
PLC
 
Annual
 
Report
2019
 
and
 
Note
 
1,
 
Basis
 
of
 
preparation
 
on
 
page
 
25,
 
which
 
provides
 
more
 
detail
 
about
 
accounting
 
policies
 
adopted,
 
valuation
methodologies
 
used
 
in
 
calculating
 
fair
 
value
 
and
 
the
 
valuation
 
control
 
framework
 
which
 
governs
 
oversight
 
of
 
valuations.
 
There
have
 
been
 
no
 
changes
 
in
 
the
 
accounting
 
policies
 
adopted
 
or
 
the
 
valuation
 
methodologies
 
used.
 
Valuation
The
 
following
 
table
 
shows
 
Barclays
 
Bank
 
Group’s
 
assets
 
and
 
liabilities
 
that
 
are
 
held
 
at
 
fair
 
value
 
disaggregated
 
by
 
valuation
technique
 
(fair
 
value
 
hierarchy)
 
and
 
balance
 
sheet
 
classification:
 
 
Valuation
 
technique
 
using
Quoted
 
market
prices
Observable
inputs
Significant
unobservable
inputs
(Level
 
1)
(Level
 
2)
(Level
 
3)
Total
As
 
at
 
30.06.20
£m
£m
£m
£m
Trading
 
portfolio
 
assets
49,106
57,277
3,078
109,461
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
 
statement
1,824
148,894
4,822
155,540
Derivative
 
financial
 
instruments
8,761
291,142
7,747
307,650
Financial
 
assets
 
at
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
13,172
41,642
347
55,161
Investment
 
property
-
-
10
10
Total
 
assets
72,863
538,955
16,004
627,822
Trading
 
portfolio
 
liabilities
(31,333)
(19,045)
-
(50,378)
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
(123)
(221,664)
(355)
(222,142)
Derivative
 
financial
 
instruments
(8,445)
(290,612)
(8,932)
(307,989)
Total
 
liabilities
(39,901)
(531,321)
(9,287)
(580,509)
As
 
at
 
31.12.19
Trading
 
portfolio
 
assets
59,968
51,105
2,264
113,337
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
 
statement
10,300
115,008
4,162
129,470
Derivative
 
financial
 
instruments
5,439
221,048
3,154
229,641
Financial
 
assets
 
at
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
11,577
33,400
429
45,406
Investment
 
property
-
-
13
13
Total
 
assets
87,284
420,561
10,022
517,867
Trading
 
portfolio
 
liabilities
(19,645)
(15,567)
-
(35,212)
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
(82)
(204,021)
(343)
(204,446)
Derivative
 
financial
 
instruments
(5,305)
(219,646)
(3,989)
(228,940)
Total
 
liabilities
(25,032)
(439,234)
(4,332)
(468,598)
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
30
 
 
The
 
following
 
table
 
shows
 
Barclays
 
Bank
 
Group’s
 
Level
 
3
 
assets
 
and
 
liabilities
 
that
 
are
 
held
 
at
 
fair
 
value
 
disaggregated
 
by
 
product
type:
As
 
at
 
30.06.20
As
 
at
 
31.12.19
Assets
 
Liabilities
Assets
 
Liabilities
£m
£m
£m
£m
Interest
 
rate
 
derivatives
 
4,152
(3,772)
605
(812)
Foreign
 
exchange
 
derivatives
 
655
(588)
291
(298)
Credit
 
derivatives
193
(456)
539
(342)
Equity
 
derivatives
 
2,730
(4,099)
1,710
(2,528)
Commodity
 
derivatives
 
17
(17)
9
(9)
Corporate
 
debt
 
516
-
521
-
Reverse
 
repurchase
 
and
 
repurchase
 
agreements
 
-
(176)
-
(167)
Non-asset
 
backed
 
loans
 
4,827
-
3,280
-
Asset
 
backed
 
securities
 
740
-
756
-
Equity
 
cash
 
products
 
1,145
-
1,228
-
Private
 
equity
 
investments
126
-
112
-
Other
1
903
(179)
971
(176)
Total
16,004
(9,287)
10,022
(4,332)
 
 
1
 
Other
 
includes
 
commercial
 
real
 
estate
 
loans,
 
fund
 
and
 
fund
 
-linked
 
products,
 
asset
 
backed
 
loans,
 
issued
 
debt,
 
commercial
 
paper,
 
government
 
sponsored
 
debt
 
and
investment
 
property.
 
Assets
 
and
 
liabilities
 
reclassified
 
between
 
Level
 
1
 
and
 
Level
 
2
During
 
the
 
period,
 
there
 
were
 
no
 
material
 
transfers
 
between
 
Level
 
1
 
and
 
Level
 
2
 
(period
 
ended
 
December
 
2019:
 
no
 
material
transfers
 
between
 
Level
 
1
 
and
 
Level
 
2).
 
Level
 
3
 
movement
 
analysis
The
 
following
 
table
 
summarises
 
the
 
movements
 
in
 
the
 
balances
 
of
 
Level
 
3
 
assets
 
and
 
liabilities
 
during
 
the
 
period.
 
The
 
table
 
shows
gains
 
and
 
losses
 
and
 
includes
 
amounts
 
for
 
all
 
financial
 
assets
 
and
 
liabilities
 
that
 
are
 
held
 
at
 
fair
 
value
 
transferred
 
to
 
and
 
from
 
Level
3
 
during
 
the
 
period.
 
Transfers
 
have
 
been
 
reflected
 
as
 
if
 
they
 
had
 
taken
 
place
 
at
 
the
 
beginning
 
of
 
the
 
year.
Asset
 
and
 
liability
 
moves
 
between
 
Level
 
2
 
and
 
Level
 
3
 
are
 
primarily
 
due
 
to
 
i)
 
an
 
increase
 
or
 
decrease
 
in
 
observable
 
market
 
activity
relat
 
ed
 
to
 
an
 
input
 
or
 
ii)
 
a
 
change
 
in
 
the
 
significance
 
of
 
the
 
unobservable
 
input,
 
with
 
assets
 
and
 
liabilities
 
classified
 
as
 
Level
 
3
 
if
 
an
unobservable
 
input
 
is
 
deemed
 
significant.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
31
 
 
Level
 
3
 
movement
 
analysis
Purchases
Sales
Issues
Settle
 
-
ments
Total
 
gains
 
and
 
losses
in
 
the
 
period
recognised
 
in
 
the
income
 
statement
Total
 
gains
or
 
losses
recognised
in
 
OCI
Transfers
As
 
at
30.06.20
As
 
at
01.01.20
Trading
income
Other
income
In
Out
£m
£m
£m
£m
£m
£m
£m
£m
£m
£m
£m
Corporate
 
debt
120
25
 
-
 
 
-
 
 
-
 
(26)
 
-
 
 
-
 
4
(17)
106
Non-asset
 
backed
 
loans
974
1,927
(740)
 
-
 
(4)
(111)
 
-
 
 
-
 
97
(320)
1,823
Asset
 
backed
 
securities
656
249
(224)
 
-
 
(76)
(12)
 
-
 
 
-
 
41
(11)
623
Equity
 
cash
 
products
392
2
(4)
 
-
 
 
-
 
(67)
 
-
 
 
-
 
28
(4)
347
Other
122
47
 
-
 
 
-
 
 
-
 
2
 
-
 
 
-
 
8
 
-
 
179
Trading
 
portfolio
 
assets
2,264
2,250
(968)
 
-
 
(80)
(214)
 
-
 
 
-
 
178
(352)
3,078
Non-asset
 
backed
 
loans
1,964
1,050
(270)
 
-
 
(112)
110
 
-
 
 
-
 
 
-
 
 
-
 
2,742
Equity
 
cash
 
products
835
14
 
-
 
 
-
 
 
-
 
(22)
(29)
 
-
 
 
-
 
 
-
 
798
Private
 
equity
 
investments
113
1
(2)
 
-
 
 
-
 
2
4
 
-
 
20
(12)
126
Other
1,250
1,865
(2,017)
 
-
 
(13)
(8)
55
 
-
 
24
 
-
 
1,156
Financial
 
assets
 
at
 
fair
 
value
through
 
the
 
income
 
statement
4,162
2,930
(2,289)
 
-
 
(125)
82
30
 
-
 
44
(12)
4,822
Non-asset
 
backed
 
loans
343
79
 
-
 
 
-
 
(157)
 
-
 
 
-
 
(3)
 
-
 
 
-
 
262
Asset
 
backed
 
securities
86
 
-
 
(1)
 
-
 
 
-
 
1
 
-
 
(1)
 
-
 
 
-
 
85
Financial
 
assets
 
at
 
fair
 
value
through
 
other
 
comprehensive
income
429
79
(1)
 
-
 
(157)
1
 
-
 
(4)
 
-
 
 
-
 
347
Investment
 
property
13
 
-
 
(1)
 
-
 
 
-
 
 
-
 
(2)
 
-
 
2
(2)
10
Trading
 
portfolio
 
liabilities
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Issued
 
debt
(146)
 
-
 
 
-
 
(3)
 
-
 
 
-
 
 
-
 
 
-
 
(22)
14
(157)
Other
(197)
 
-
 
 
-
 
 
-
 
 
-
 
(12)
(1)
 
-
 
 
-
 
12
(198)
Financial
 
liabilities
designated
 
at
 
fair
 
value
(343)
 
-
 
 
-
 
(3)
 
-
 
(12)
(1)
 
-
 
(22)
26
(355)
Interest
 
rate
 
derivatives
(206)
17
 
-
 
 
-
 
10
268
1
 
-
 
300
(10)
380
Foreign
 
exchange
 
derivatives
(7)
 
-
 
 
-
 
 
-
 
(12)
89
 
-
 
 
-
 
5
(8)
67
Credit
 
derivatives
198
(258)
11
 
-
 
(376)
151
1
 
-
 
2
8
(263)
Equity
 
derivatives
(820)
(447)
(1)
 
-
 
17
(90)
 
-
 
 
-
 
(5)
(23)
(1,369)
Commodity
 
derivatives
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Net
 
derivative
 
financial
instruments
1
(835)
(688)
10
 
-
 
(361)
418
2
 
-
 
302
(33)
(1,185)
Total
5,690
4,571
(3,249)
(3)
(723)
275
29
(4)
504
(373)
6,717
 
1
 
Derivative
 
financial
 
instruments
 
are
 
represented
 
on
 
a
 
net
 
basis.
 
On
 
a
 
gross
 
basis,
 
derivative
 
financial
 
assets
 
were
 
£7,747m
 
and
 
derivative
 
financial
 
liabilities
 
were
£8,932m.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
32
 
 
Level
 
3
 
movement
 
analysis
Purchases
Sales
Issues
Settle-
ments
Total
 
gains
 
and
losses
 
in
 
the
 
period
recognised
 
in
 
the
income
 
statement
Transfers
As
 
at
30.06.19
As
 
at
01.01.19
Trading
income
Other
income
In
Out
£m
£m
£m
£m
£m
£m
£m
£m
£m
£m
Government
 
and
 
government
sponsored
 
debt
14
2
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
(14)
2
Corporate
 
debt
388
70
(24)
 
-
 
(31)
14
 
-
 
32
(74)
375
Non-asset
 
backed
 
loans
2,263
1,235
(1,260)
 
-
 
(19)
12
 
-
 
19
(90)
2,160
Asset
 
backed
 
securities
664
81
(127)
 
-
 
 
-
 
5
 
-
 
16
(29)
610
Equity
 
cash
 
products
136
48
(13)
 
-
 
 
-
 
(2)
 
-
 
116
(20)
265
Other
148
 
-
 
 
-
 
 
-
 
(1)
(10)
 
-
 
 
-
 
(1)
136
Trading
 
portfolio
 
assets
3,613
1,436
(1,424)
 
-
 
(51)
19
 
-
 
183
(228)
3,548
Non-asset
 
backed
 
loans
1,836
2
 
-
 
 
-
 
(132)
70
 
-
 
 
-
 
(1)
1,775
Equity
 
cash
 
products
559
9
 
-
 
 
-
 
(10)
4
178
 
-
 
 
-
 
740
Private
 
equity
 
investments
191
4
(3)
 
-
 
(1)
 
-
 
(6)
 
-
 
 
-
 
185
Other
2,064
2,334
(2,619)
 
-
 
(2)
17
9
24
(840)
987
Financial
 
assets
 
at
 
fair
 
value
through
 
the
 
income
 
statement
4,650
2,349
(2,622)
 
-
 
(145)
91
181
24
(841)
3,687
Non-asset
 
backed
 
loans
353
48
 
-
 
 
-
 
(55)
 
-
 
 
-
 
 
-
 
(218)
128
Asset
 
backed
 
securities
 
-
 
40
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
40
Equity
 
cash
 
products
2
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
2
Financial
 
assets
 
at
 
fair
 
value
through
 
other
 
comprehensive
income
355
88
 
-
 
 
-
 
(55)
 
-
 
 
-
 
 
-
 
(218)
170
Investment
 
property
9
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
(1)
 
-
 
 
-
 
8
Trading
 
portfolio
 
liabilities
(3)
 
-
 
 
-
 
 
-
 
 
-
 
2
 
-
 
(5)
 
-
 
(6)
 
-
 
Certificates
 
of
 
deposit,
 
commercial
paper
 
and
 
other
 
money
 
market
instruments
(10)
 
-
 
 
-
 
 
-
 
1
 
-
 
(1)
(11)
 
-
 
(21)
Issued
 
debt
(251)
 
-
 
 
-
 
(16)
1
5
 
-
 
(3)
1
(263)
Financial
 
liabilities
 
designated
 
at
fair
 
value
(261)
 
-
 
 
-
 
(16)
2
5
(1)
(14)
1
(284)
Interest
 
rate
 
derivatives
22
(3)
 
-
 
 
-
 
76
116
 
-
 
(107)
145
249
Foreign
 
exchange
 
derivatives
7
 
-
 
 
-
 
 
-
 
(12)
(41)
 
-
 
(51)
17
(80)
Credit
 
derivatives
1,050
(63)
4
 
-
 
(3)
86
 
-
 
2
3
1,079
Equity
 
derivatives
(607)
(122)
(5)
 
-
 
23
89
 
-
 
(16)
292
(346)
Commodity
 
derivatives
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
 
-
 
Net
 
derivative
 
financial
instruments
1
472
(188)
(1)
 
-
 
84
250
 
-
 
(172)
457
902
Total
8,835
3,685
(4,047)
(16)
(165)
367
179
16
(829)
8,025
 
1
 
Derivative
 
financial
 
instruments
 
are
 
presented
 
on
 
a
 
net
 
basis.
 
On
 
a
 
gross
 
basis,
 
derivative
 
financial
 
assets
 
were
 
£5,701m
 
and
 
derivative
 
financial
 
liabilities
 
were
£4,799m.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
33
 
 
Unrealised
 
gains
 
and
 
losses
 
on
 
Level
 
3
 
financial
 
assets
 
and
 
liabilities
The
 
following
 
table
 
discloses
 
the
 
unrealised
 
gains
 
and
 
losses
 
recognised
 
in
 
the
 
period
 
arising
 
on
 
Level
 
3
 
financial
 
assets
 
and
liabilities
 
held
 
at
 
the
 
period
 
end.
 
Half
 
year
 
ended
 
30.06.20
Half
 
year
 
ended
 
30.06.19
Income
 
statement
Other
compre-
hensive
income
Total
Income
 
statement
Other
compre-
hensive
income
Total
Trading
income
Other
income
Trading
income
Other
income
£m
£m
£m
£m
£m
£m
£m
£m
Trading
 
portfolio
 
assets
(177)
-
-
(177)
21
-
-
21
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
statement
126
(24)
-
102
75
178
-
253
Financial
 
assets
 
at
 
fair
 
value
 
through
 
other
comprehensive
 
income
-
-
(2)
(2)
-
-
-
-
Investment
 
properties
-
(2)
-
(2)
-
(1)
-
(1)
Trading
 
portfolio
 
liabilities
-
-
-
-
2
-
-
2
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
(16)
(1)
-
(17)
6
-
-
6
Net
 
derivative
 
financial
 
instruments
 
248
-
-
248
212
-
-
212
Total
181
(27)
(2)
152
316
177
-
493
 
Valuation
 
techniques
 
and
 
sensitivity
 
analysis
Sensitivity
 
analysis
 
is
 
performed
 
on
 
products
 
with
 
significant
 
unobservable
 
inputs
 
(Level
 
3)
 
to
 
generate
 
a
 
range
 
of
 
reasonably
possible
 
alternative
 
valuations.
 
The
 
sensitivity
 
methodologies
 
applied
 
take
 
account
 
of
 
the
 
nature
 
of
 
valuation
 
techniques
 
used,
 
as
well
 
as
 
the
 
availability
 
and
 
reliability
 
of
 
observable
 
proxy
 
and
 
historical
 
data
 
and
 
the
 
impact
 
of
 
using
 
alternative
 
models.
 
Sensitivity
 
analysis
 
of
 
valuations
 
using
 
unobservable
 
inputs
As
 
at
 
30.06.20
As
 
at
 
31.12.19
Favourable
 
changes
Unfavourable
 
changes
Favourable
 
changes
Unfavourable
 
changes
Income
statement
Equity
Income
Statement
Equity
Income
statement
Equity
Income
Statement
Equity
£m
£m
£m
£m
£m
£m
£m
£m
Interest
 
rate
 
derivatives
138
-
(256)
-
44
-
(127)
-
Foreign
 
exchange
 
derivatives
7
-
(11)
-
5
-
(7)
-
Credit
 
derivatives
127
-
(109)
-
73
-
(47)
-
Equity
 
derivatives
151
-
(158)
-
114
-
(119)
-
Commodity
 
derivatives
-
-
-
-
-
-
-
-
Corporate
 
debt
23
-
(23)
11
-
(16)
-
Non-asset
 
backed
 
loans
159
4
(322)
(4)
125
8
(228)
(8)
Equity
 
cash
 
products
164
-
(206)
-
123
-
(175)
-
Private
 
equity
 
investments
18
-
(19)
-
16
-
(25)
-
Other
1
2
-
(2)
-
1
-
(1)
-
Total
789
4
(1,106)
(4)
512
8
(745)
(8)
 
1
 
Other
 
includes
 
commercial
 
real
 
estate
 
loans,
 
fund
 
and
 
fund
 
-linked
 
products,
 
asset
 
backed
 
loans,
 
issued
 
debt,
 
commercial
 
paper,
 
government
 
sponsored
 
debt
 
and
investment
 
propert
 
y.
The
 
effect
 
of
 
stressing
 
unobservable
 
inputs
 
to
 
a
 
range
 
of
 
reasonably
 
possible
 
alter
 
natives,
 
alongside
 
considering
 
the
 
impact
 
of
 
using
alternative
 
models,
 
would
 
be
 
to
 
increase
 
fair
 
values
 
by
 
up
 
to
 
£793m
 
(December
 
2019:
 
£520m)
 
or
 
to
 
decrease
 
fair
 
values
 
by
 
up
 
to
£1,110m
 
(December
 
2019:
 
£753m)
 
with
 
substantially
 
all
 
the
 
potential
 
effect
 
impacting
 
profit
 
and
 
loss
 
rather
 
than
 
reserves.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
34
 
 
Significant
 
unobservable
 
inputs
The
 
valuation
 
techniques
 
and
 
significant
 
unobservable
 
inputs
 
for
 
assets
 
and
 
liabilities
 
recognised
 
at
 
fair
 
value
 
and
 
classified
 
as
 
Level
3
 
are
 
consistent
 
with
 
Note
 
16,
 
Fair
 
value
 
of
 
financial
 
instruments
 
in
 
the
 
Barclays
 
Bank
 
PLC
 
Annual
 
Report
 
2019.
 
The
 
description
 
of
the
 
significant
 
unobservable
 
inputs
 
and
 
the
 
sensitivity
 
of
 
fair
 
value
 
measurement
 
of
 
the
 
instruments
 
categorised
 
as
 
Level
 
3
 
assets
 
or
liabilities
 
to
 
increases
 
in
 
significant
 
unobservable
 
inputs
 
is
 
also
 
found
 
in
 
Note
 
16,
 
Fair
 
value
 
of
 
financial
 
instruments
 
of
 
the
 
Barclays
Bank
 
PLC
 
Annual
 
Report
 
2019.
 
Fair
 
value
 
adjustments
Key
 
balance
 
sheet
 
valuation
 
adjustments
 
are
 
quantified
 
below:
As
 
at
As
 
at
30.06.20
31.12.19
£m
£m
Exit
 
price
 
adjustments
 
derived
 
from
 
market
 
bid-offer
 
spreads
(564)
(420)
Uncollateralised
 
derivative
 
funding
(181)
(57)
Derivative
 
credit
 
valuation
 
adjustments
(378)
(135)
Derivative
 
debit
 
valuation
 
adjustments
148
155
 
●
 
Exit
 
price
 
adjustments
 
derived
 
from
 
market
 
bid-offer
 
spreads
 
increased
 
by
 
£144m
 
to
 
£564m
 
as
 
a
 
result
 
of
 
movements
 
in
 
market
bid
 
offer
 
spreads.
●
 
Uncollateralised
 
derivative
 
funding
 
increased
 
by
 
£124m
 
to
 
£181m
 
as
 
a
 
result
 
of
 
widening
 
input
 
funding
 
spreads
 
and
 
an
 
update
to
 
methodology.
●
 
Derivative
 
credit
 
valuation
 
adjust
 
ments
 
increased
 
by
 
£243m
 
to
 
£378m
 
as
 
a
 
result
 
of
 
widening
 
input
 
counterparty
 
credit
spreads.
●
 
Derivative
 
debit
 
valuation
 
adjustments
 
decreased
 
by
 
£7m
 
to
 
£148m
 
as
 
a
 
result
 
of
 
widening
 
input
 
Barclays
 
Bank
 
PLC
 
credit
spreads
 
and
 
an
 
update
 
to
 
methodology.
 
 
Portfolio
 
exemption
Barclays
 
Bank
 
Group
 
uses
 
the
 
portfolio
 
exemption
 
in
 
IFRS
 
13,
 
Fair
 
Value
 
Measurement
 
to
 
measure
 
the
 
fair
 
value
 
of
 
groups
 
of
financial
 
assets
 
and
 
liabilities.
 
Instruments
 
are
 
measured
 
using
 
the
 
price
 
that
 
would
 
be
 
received
 
to
 
sell
 
a
 
net
 
long
 
position
 
(i.e.
 
an
asset)
 
for
 
a
 
particular
 
risk
 
exposure
 
or
 
to
 
transfer
 
a
 
net
 
short
 
position
 
(i.e.
 
a
 
liability)
 
for
 
a
 
particular
 
risk
 
exposure
 
in
 
an
 
orderly
transaction
 
between
 
market
 
participants
 
at
 
the
 
balance
 
sheet
 
date
 
under
 
current
 
market
 
conditions.
 
Accordingly,
 
the
 
Barclays
 
Bank
Group
 
measures
 
the
 
fair
 
value
 
of
 
the
 
group
 
of
 
financial
 
assets
 
and
 
liabilities
 
consistently
 
with
 
how
 
market
 
participants
 
would
 
price
the
 
net
 
risk
 
exposure
 
at
 
the
 
measurement
 
date.
 
Unrecognised
 
gains
 
as
 
a
 
result
 
of
 
the
 
use
 
of
 
valuation
 
models
 
using
 
unobservable
 
inputs
The
 
amount
 
that
 
has
 
yet
 
to
 
be
 
rec
 
ognised
 
in
 
income
 
that
 
relates
 
to
 
the
 
difference
 
between
 
the
 
transaction
 
price
 
(the
 
fair
 
value
 
at
initial
 
recognition)
 
and
 
the
 
amount
 
that
 
would
 
have
 
arisen
 
had
 
valuation
 
models
 
using
 
unobservable
 
inputs
 
been
 
used
 
on
 
initial
recognition,
 
less
 
amounts
 
subsequently
 
recognised,
 
is
 
£101m
 
(December
 
2019:
 
£100m)
 
for
 
financial
 
instruments
 
measured
 
at
 
fair
value
 
and
 
£31m
 
(December
 
2019
 
:
 
£31m)
 
for
 
financial
 
instruments
 
carried
 
at
 
amortised
 
cost.
 
There
 
are
 
additions
 
of
 
£11m
(December
 
2019:
 
£40m)
 
and
 
amortisation
 
and
 
releases
 
of
 
£10m
 
(December
 
2019:
 
£67m)
 
for
 
financial
 
instruments
 
measured
 
at
 
fair
value
 
and
 
additions
 
of
 
£1m
 
(December
 
2019:
 
£2m)
 
and
 
amortisation
 
and
 
releases
 
of
 
£1m
 
(December
 
2019:
 
£2m)
 
for
 
financial
instruments
 
carried
 
at
 
amortised
 
cost
 
.
 
Third
 
party
 
credit
 
enhancements
Structured
 
and
 
brokered
 
certificates
 
of
 
deposit
 
issued
 
by
 
Barclays
 
Bank
 
Group
 
are
 
insured
 
up
 
to
 
$250,000
 
per
 
depositor
 
by
 
the
Federal
 
Deposit
 
Insurance
 
Corporation
 
(FDIC)
 
in
 
the
 
United
 
States.
 
The
 
FDIC
 
is
 
funded
 
by
 
premiums
 
that
 
the
 
Barclays
 
Bank
 
Group
 
and
other
 
banks
 
pay
 
for
 
deposit
 
insurance
 
coverage.
 
The
 
carrying
 
value
 
of
 
these
 
issued
 
certificates
 
of
 
deposit
 
that
 
are
 
designated
 
under
the
 
IFRS
 
9
 
fair
 
value
 
option
 
includes
 
this
 
third
 
party
 
credit
 
enhancement.
 
The
 
on-balance
 
sheet
 
value
 
of
 
these
 
brokered
 
certificates
 
of
deposit
 
amounted
 
to
 
£3,162m
 
(December
 
2019:
 
£3,218m).
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
35
 
 
Comparison
 
of
 
carrying
 
amounts
 
and
 
fair
 
values
 
for
 
assets
 
and
 
liabilities
 
not
 
held
 
at
 
fair
 
value
Valuation
 
methodologies
 
employed
 
in
 
calculating
 
the
 
fair
 
value
 
of
 
financial
 
assets
 
and
 
liabilities
 
measured
 
at
 
amortised
 
cost
 
are
consistent
 
with
 
the
 
Barclays
 
Bank
 
PLC
 
Annual
 
Report
 
2019
 
disclosure.
 
The
 
following
 
table
 
summarises
 
the
 
fair
 
value
 
of
 
financial
 
assets
 
and
 
liabilities
 
measured
 
at
 
amortised
 
cost
 
on
 
the
 
Barclays
 
Bank
Group’s
 
balance
 
sheet:
 
As
 
at
 
30.06.20
As
 
at
 
31.12.19
Carrying
amount
Fair
 
value
Carrying
amount
Fair
 
value
Financial
 
assets
£m
£m
£m
£m
Loans
 
and
 
advances
 
at
 
amortised
 
cost
150,203
149,511
141,636
141,251
Reverse
 
repurchase
 
agreements
 
and
 
other
 
similar
 
secured
 
lending
19,811
19,811
1,731
1,731
Financial
 
liabilities
Deposits
 
at
 
amortised
 
cost
(245,737)
(245,758)
(213,881)
(213,897)
Repurchase
 
agreements
 
and
 
other
 
similar
 
secured
 
borrowing
(4,033)
(4,033)
(2,032)
(2,032)
Debt
 
securities
 
in
 
issue
(50,496)
(50,568)
(33,536)
(33,529)
Subordinated
 
liabilities
(36,965)
(37,675)
(33,425)
(34,861)
 
 
7.
 
Subordinated
 
liabilities
Half
 
year
ended
Year
 
ended
30.06.20
31.12.19
£m
 
£m
 
Opening
 
balance
 
as
 
at
 
1
 
January
33,425
35,327
Issuances
3,162
6,785
Redemptions
(2,814)
(7,804)
Other
3,192
(883)
Closing
 
balance
36,965
33,425
 
Issuances
 
of
 
£3,162m
 
comprises
 
£3,082m
 
intra
 
-group
 
loans
 
from
 
Barclays
 
PLC
 
as
 
well
 
as
 
£80m
 
USD
 
Floating
 
Rate
 
Notes
 
issued
externally
 
by
 
a
 
Barclays
 
Bank
 
PLC
 
subsidiary.
 
Redemptions
 
of
 
£2,814m
 
comprises
 
£2,518m
 
intra
 
-group
 
loans
 
from
 
Barclays
 
PLC
 
as
 
well
 
as
 
£266m
 
USD
 
Floating
 
Rate
 
Notes
 
and
£30m
 
USD
 
Fixed
 
Rate
 
Notes
 
issued
 
externally
 
by
 
Barclays
 
Bank
 
PLC
 
subsidiaries.
 
Other
 
movements
 
predominantly
 
include
 
foreign
 
exchange
 
and
 
fair
 
value
 
hedge
 
adjustments.
 
 
8.
 
Provisions
As
 
at
As
 
at
 
30.06.20
31.12.19
£m
£m
Customer
 
redress
27
71
Legal,
 
competition
 
and
 
regulatory
 
matters
250
374
Redundancy
 
and
 
restructuring
34
63
Undrawn
 
contractually
 
committed
 
facilities
 
and
 
guarantees
593
252
Onerous
 
contracts
9
20
Sundry
 
provisions
172
171
Total
1,085
951
 
 
bbplch120p2i0.gif
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
36
 
 
9.
 
Retirement
 
benefits
As
 
at
 
30
 
June
 
2020,
 
Barclays
 
Bank
 
Group’s
 
IAS
 
19
 
pension
 
surplus
 
across
 
all
 
schemes
 
was
 
£2.5bn
 
(December
 
2019:
 
£1.8bn).
 
The
 
UK
Retirement
 
Fund
 
(UKRF),
 
which
 
is
 
the
 
Group’s
 
main
 
scheme,
 
had
 
an
 
IAS
 
19
 
pension
 
surplus
 
of
 
£2.8bn
 
(December
 
2019:
 
£2.1bn).
 
The
movement
 
for
 
the
 
UKRF
 
was
 
driven
 
by
 
higher
 
than
 
assumed
 
asset
 
returns
 
and
 
lower
 
than
 
expected
 
long-
 
term
 
price
 
inflation,
partially
 
offset
 
by
 
a
 
decrease
 
in
 
the
 
discount
 
rate.
 
 
UKRF
 
funding
 
valuations
The
 
last
 
triennial
 
actuarial
 
valuation
 
of
 
the
 
UKRF
 
had
 
an
 
effective
 
date
 
of
 
30
 
September
 
2019
 
and
 
was
 
completed
 
in
 
February
 
2020.
This
 
valuation
 
showed
 
a
 
funding
 
deficit
 
of
 
£2.3bn
 
and
 
a
 
funding
 
level
 
of
 
94.0%.
 
A
 
revised
 
deficit
 
recovery
 
plan
 
was
 
agreed
 
with
deficit
 
reduction
 
contributions
 
required
 
from
 
Barclays
 
Bank
 
PLC
 
of
 
£500m
 
in
 
2019,
 
£500m
 
in
 
2020,
 
£700m
 
in
 
2021,
 
£294m
 
in
 
2022
and
 
£286m
 
in
 
2023.
 
The
 
deficit
 
reduction
 
contributions
 
are
 
in
 
addition
 
to
 
the
 
regular
 
contributions
 
to
 
meet
 
the
 
Group’s
 
share
 
of
the
 
cost
 
of
 
benefits
 
accruing
 
over
 
each
 
year.
 
On
 
12
 
June
 
2020,
 
Barclays
 
Bank
 
PLC
 
paid
 
the
 
£500m
 
deficit
 
reduction
 
contribu
 
tion
 
agreed
 
for
 
2020
 
and
 
at
 
the
 
same
 
time
 
the
 
UKRF
subscribed
 
for
 
non-transferrable
 
listed
 
senior
 
fixed
 
rate
 
notes
 
for
 
£750m,
 
backed
 
by
 
UK
 
gilts
 
(the
 
Senior
 
Notes).
 
These
 
Senior
 
Notes
entitle
 
the
 
UKRF
 
to
 
semi-annual
 
coupon
 
payments
 
for
 
five
 
years,
 
and
 
full
 
repayment
 
in
 
cash
 
in
 
three
 
equal
 
tranches
 
in
 
2023,
 
2024,
and
 
at
 
final
 
maturity
 
in
 
2025.
 
The
 
Senior
 
Notes
 
were
 
issued
 
by
 
Heron
 
Issuer
 
Number
 
2
 
Limited
 
(Heron
 
2),
 
an
 
entity
 
that
 
is
consolidated
 
within
 
the
 
Barclays
 
Bank
 
Group
 
under
 
IFRS
 
10.
 
As
 
a
 
result
 
of
 
the
 
investment
 
in
 
Senior
 
Notes,
 
the
 
regulatory
 
capital
impact
 
of
 
the
 
£500m
 
deficit
 
reduction
 
contribution
 
paid
 
on
 
12
 
June
 
2020
 
takes
 
effect
 
in
 
2023,
 
2024
 
and
 
2025
 
on
 
maturity
 
of
 
the
notes.
 
The
 
£250m
 
additional
 
investment
 
by
 
the
 
UKRF
 
in
 
the
 
Senior
 
Notes
 
has
 
a
 
positive
 
capital
 
impact
 
in
 
2020
 
which
 
is
 
reduced
equally
 
in
 
2023,
 
2024
 
and
 
2025
 
on
 
the
 
maturity
 
of
 
the
 
notes.
 
Heron
 
2
 
acquired
 
a
 
total
 
of
 
£750m
 
of
 
gilts
 
from
 
Barclays
 
Bank
 
PLC
 
for
cash
 
to
 
support
 
payments
 
on
 
the
 
Senior
 
Notes.
 
 
The
 
next
 
triennial
 
actuarial
 
valuation
 
of
 
the
 
UKRF
 
is
 
due
 
to
 
be
 
completed
 
in
 
2023
 
with
 
an
 
effective
 
date
 
of
 
30
 
September
 
2022.
 
10.
 
Called
 
up
 
share
 
capital
Ordinary
 
shares
As
 
at
 
30
 
June
 
2020
 
the
 
issued
 
ordinary
 
share
 
capital
 
of
 
Barclays
 
Bank
 
PLC
 
comprised
 
2,342m
 
(December
 
2019:
 
2,342m)
 
ordinary
shares
 
of
 
£1
 
each.
Preference
 
share
 
s
As
 
at
 
30
 
June
 
2020
 
the
 
issued
 
preference
 
share
 
capital
 
of
 
Barclays
 
Bank
 
PLC
 
of
 
£6m
 
(December
 
2019:
 
£6m)
 
comprise
 
d
 
1,000
Sterling
 
Preference
 
Shares
 
of
 
£1
 
each
 
(December
 
2019:
 
1,000);
 
31,856
 
Euro
 
Preference
 
Shares
 
of
 
€100
 
each
 
(December
 
2019:
31,856);
 
and
 
58,133
 
US
 
Dollar
 
Preference
 
shares
 
of
 
$100
 
each
 
(December
 
2019:
 
58,133).
There
 
were
 
no
 
issuances
 
or
 
redemption
 
s
 
of
 
ordinary
 
or
 
preference
 
shares
 
in
 
the
 
six
 
months
 
to
 
30
 
June
 
2020.
 
11.
 
Other
 
equity
 
instruments
Other
 
equity
 
instruments
 
of
 
£8,323m
 
(December
 
2019:
 
£8,323m)
 
are
 
AT1
 
securities
 
issued
 
to
 
Barclays
 
PLC
 
.
 
Barclays
 
PLC
 
uses
 
funds
from
 
the
 
market
 
issuance
 
to
 
purchase
 
AT1
 
securities
 
from
 
Barclays
 
Bank
 
PLC.
 
There
 
have
 
been
 
no
 
issuances
 
or
 
redemptions
 
in
 
the
period.
 
The
 
AT1
 
securities
 
are
 
perpetual
 
securities
 
with
 
no
 
fixed
 
maturity
 
and
 
are
 
structured
 
to
 
qualify
 
as
 
AT1
 
instruments
 
under
 
prevailing
capital
 
rules
 
applicable
 
as
 
at
 
the
 
relevant
 
issue
 
date.
 
AT1
 
securities
 
are
 
undated
 
and
 
are
 
redeemab
 
le,
 
at
 
the
 
option
 
of
 
Barclays
 
Bank
PLC,
 
in
 
whole
 
at
 
the
 
initial
 
call
 
date,
 
or
 
on
 
any
 
fifth
 
anniversary
 
after
 
the
 
initial
 
call
 
date.
 
In
 
addition,
 
the
 
AT1
 
securities
 
are
redeemable,
 
at
 
the
 
option
 
of
 
Barclays
 
Bank
 
PLC,
 
in
 
whole
 
in
 
the
 
event
 
of
 
certain
 
changes
 
in
 
the
 
tax
 
or
 
regulatory
 
treatment
 
of
 
the
securities.
 
Any
 
redemptions
 
require
 
the
 
prior
 
consent
 
of
 
the
 
PRA.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
37
 
 
12.
 
Other
 
reserves
As
 
at
As
 
at
30.06.20
31.12.19
£m
£m
Currency
 
translation
 
reserve
4,769
3,383
Fair
 
value
 
through
 
other
 
comprehensive
 
income
 
reserve
(2)
(139)
Cash
 
flow
 
hedging
 
reserve
1,453
388
Own
 
credit
 
reserve
123
(373)
Other
 
reserves
 
(24)
(24)
Total
6,319
3,235
 
Currency
 
translation
 
reserve
The
 
currency
 
translation
 
reserve
 
represents
 
the
 
cumulative
 
gains
 
and
 
losses
 
on
 
the
 
retranslation
 
of
 
Barclays
 
Bank
 
Group’s
 
net
investment
 
in
 
foreign
 
operations,
 
net
 
of
 
the
 
effects
 
of
 
hedging.
 
As
 
at
 
30
 
June
 
2020,
 
there
 
was
 
a
 
credit
 
balance
 
of
 
£4,769m
 
(December
 
2019:
 
£3,383m
 
credit)
 
in
 
the
 
currency
 
translation
 
reserve.
The
 
£1,386m
 
credit
 
movement
 
principally
 
reflected
 
the
 
strengthening
 
of
 
period
 
end
 
USD
 
exchange
 
rate
 
against
 
GBP.
 
Fair
 
value
 
through
 
other
 
comprehensive
 
income
 
reserve
The
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
 
reserve
 
represents
 
the
 
unrealised
 
change
 
in
 
the
 
fair
 
value
 
through
 
other
comprehensive
 
income
 
investments
 
since
 
initial
 
recognition.
 
 
As
 
at
 
30
 
June
 
2020,
 
there
 
was
 
a
 
debit
 
balance
 
of
 
£2m
 
(December
 
2019:
 
£139m
 
debit)
 
in
 
the
 
fair
 
value
 
through
 
other
 
comprehensive
income
 
reserve.
 
The
 
gain
 
of
 
£137m
 
is
 
principally
 
driven
 
by
 
a
 
£277
 
m
 
gain
 
from
 
the
 
increase
 
in
 
fair
 
value
 
of
 
bonds
 
due
 
to
 
decreasing
bond
 
yields.
 
This
 
is
 
partially
 
offset
 
by
 
£114m
 
of
 
net
 
gains
 
transferred
 
to
 
the
 
income
 
statement
 
and
 
a
 
tax
 
charge
 
of
 
£42m.
 
Cash
 
flow
 
hedging
 
reserve
The
 
cash
 
flow
 
hedging
 
reserve
 
represents
 
the
 
cumulative
 
gains
 
and
 
losses
 
on
 
effective
 
cash
 
flow
 
hedging
 
instruments
 
that
 
will
 
be
recycled
 
to
 
the
 
income
 
statement
 
when
 
the
 
hedged
 
transactions
 
affect
 
profit
 
or
 
loss.
 
As
 
at
 
30
 
June
 
2020,
 
there
 
was
 
a
 
credit
 
balance
 
of
 
£1,453m
 
(December
 
2019:
 
£388m
 
credit)
 
in
 
the
 
cash
 
flow
 
hedging
 
reserve.
 
The
increase
 
of
 
£1,065m
 
principally
 
reflect
 
s
 
a
 
£1,587m
 
increase
 
in
 
the
 
fair
 
value
 
of
 
interest
 
rate
 
swaps
 
held
 
for
 
hedging
 
purpose
 
as
major
 
interest
 
ra
 
te
 
forward
 
curves
 
decreased
 
.
 
This
 
is
 
partially
 
offset
 
by
 
£117m
 
of
 
gains
 
transferred
 
to
 
the
 
income
 
statement
 
and
 
a
tax
 
charge
 
of
 
£408m.
 
Own
 
credit
 
reserve
The
 
own
 
credit
 
reserve
 
reflects
 
the
 
cumulative
 
own
 
credit
 
gains
 
and
 
losses
 
on
 
financial
 
liabilities
 
at
 
fair
 
value.
 
Amounts
 
in
 
the
 
own
credit
 
reserve
 
are
 
not
 
recycled
 
to
 
profit
 
or
 
loss
 
in
 
future
 
periods.
 
As
 
at
 
30
 
June
 
2020,
 
there
 
was
 
a
 
credit
 
balance
 
of
 
£123m
 
(December
 
2019:
 
£373m
 
debit)
 
in
 
the
 
own
 
credit
 
reserve.
 
The
 
movement
of
 
£496m
 
principally
 
reflect
 
s
 
a
 
£845m
 
gain
 
from
 
the
 
widening
 
of
 
Barclays
 
funding
 
spreads.
 
This
 
is
 
partially
 
offset
 
by
 
other
 
activity
 
of
£209m
 
and
 
a
 
tax
 
charge
 
of
 
£144m.
 
Other
 
reserves
 
As
 
at
 
30
 
June
 
2020,
 
there
 
was
 
a
 
debit
 
balance
 
of
 
£24m
 
(December
 
2019:
 
£24m
 
debit)
 
in
 
other
 
reserves
 
relating
 
to
 
redeemed
ordinary
 
and
 
preference
 
shares
 
issued
 
by
 
Barclays
 
Bank
 
Group.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
38
 
 
13.
 
Contingent
 
liabilities
 
and
 
commitments
 
As
 
at
As
 
at
30.06.20
31.12.19
Contingent
 
liabilities
£m
£m
Guarantees
 
and
 
letters
 
of
 
credit
 
pledged
 
as
 
collateral
 
security
15,825
17,006
Performance
 
guarantees,
 
acceptances
 
and
 
endorsements
6,589
6,771
Total
22,414
23,777
Commitments
Documentary
 
credits
 
and
 
other
 
short-term
 
trade
 
related
 
transactions
1,162
1,291
Standby
 
facilities,
 
credit
 
lines
 
and
 
other
 
commitments
264,376
268,736
Total
265,538
270,027
 
In
 
addition
 
to
 
the
 
above,
 
Note
 
14
,
Legal,
 
competition
 
and
 
regulatory
 
matters
 
details
 
out
 
further
 
contingent
 
liabilities
 
where
 
it
 
is
 
not
practicable
 
to
 
disclose
 
an
 
estimate
 
of
 
the
 
potential
 
financial
 
effect
 
on
 
Barclays
 
Bank
 
Group.
 
 
14.
 
Legal,
 
competition
 
and
 
regulatory
 
matters
 
 
Barclays
 
Bank
 
Group
 
face
 
legal,
 
competition
 
and
 
regulatory
 
challenges,
 
many
 
of
 
which
 
are
 
beyond
 
our
 
control.
 
The
 
extent
 
of
 
the
impact
 
of
 
these
 
matters
 
cannot
 
always
 
be
 
predicted
 
but
 
may
 
materially
 
impact
 
our
 
operations,
 
financial
 
results,
 
condition
 
and
prospects.
 
Matters
 
arising
 
from
 
a
 
set
 
of
 
similar
 
circumstances
 
can
 
give
 
rise
 
to
 
either
 
a
 
contingent
 
liability
 
or
 
a
 
provision,
 
or
 
both,
depending
 
on
 
the
 
relevant
 
facts
 
and
 
circumstances.
 
 
The
 
recognition
 
of
 
provisions
 
in
 
relation
 
to
 
such
 
matters
 
involves
 
critical
 
accounting
 
estimates
 
and
 
judgments
 
in
 
accordance
 
with
the
 
relevant
 
accounting
 
policies
 
as
 
described
 
in
 
Note
 
8,
 
Provisions.
 
We
 
have
 
not
 
disclosed
 
an
 
estimate
 
of
 
the
 
potential
 
financial
impact
 
or
 
effect
 
on
 
the
 
Barclays
 
Bank
 
Group
 
of
 
contingent
 
liabilities
 
where
 
it
 
is
 
not
 
currently
 
practicable
 
to
 
do
 
so.
 
Various
 
matters
detailed
 
in
 
this
 
note
 
seek
 
damages
 
of
 
an
 
unspecified
 
amount.
 
While
 
certain
 
matters
 
specify
 
the
 
damages
 
claimed,
 
such
 
claimed
amounts
 
do
 
not
 
necessarily
 
reflect
 
the
 
Barclays
 
Bank
 
Group’s
 
potential
 
financial
 
exposure
 
in
 
respect
 
of
 
those
 
matters.
 
 
Investigations
 
into
 
certain
 
advisory
 
services
 
agreements
 
and
 
other
 
matters
 
and
 
civil
 
action
 
FCA
 
proceedings
 
In
 
2008,
 
Barclays
 
Bank
 
PLC
 
and
 
Qatar
 
Holdings
 
LLC
 
entered
 
into
 
two
 
advisory
 
service
 
agreements
 
(the
 
Agreements).
 
The
 
Financial
Conduct
 
Authority
 
(FCA)
 
conducted
 
an
 
investigation
 
into
 
whether
 
the
 
Agreements
 
may
 
have
 
related
 
to
 
Barclays
 
PLC’s
 
capital
raising
 
s
 
in
 
June
 
and
 
November
 
2008
 
(the
 
Capital
 
Raisings)
 
and
 
therefore
 
should
 
have
 
been
 
disclosed
 
in
 
the
 
announcements
 
or
public
 
documents
 
relating
 
to
 
the
 
Capital
 
Raisings.
 
In
 
2013,
 
the
 
FCA
 
issued
 
warning
 
notices
 
(the
 
Notices)
 
finding
 
that
 
Barclays
 
PLC
and
 
Barcl
 
ays
 
Bank
 
PLC
 
acted
 
recklessly
 
and
 
in
 
breach
 
of
 
certain
 
disclosure-related
 
listing
 
rules,
 
and
 
that
 
Barclays
 
PLC
 
was
 
also
 
in
breach
 
of
 
Listing
 
Principle
 
3.
 
The
 
financial
 
penalty
 
provided
 
in
 
the
 
Notices
 
is
 
£50m.
 
Barclays
 
PLC
 
and
 
Barclays
 
Bank
 
PLC
 
continue
 
to
contest
 
the
 
findings.
 
Following
 
the
 
conclusion
 
of
 
the
 
Serious
 
Fraud
 
Office
 
(SFO)
 
proceedings
 
against
 
certain
 
former
 
Barclays
executives
 
resulting
 
in
 
their
 
acquittals,
 
the
 
FCA
 
proceedings,
 
which
 
were
 
stayed,
 
have
 
resumed.
 
All
 
charges
 
brought
 
by
 
the
 
SFO
agai
 
nst
 
Barclays
 
PLC
 
and
 
Barclays
 
Bank
 
PLC
 
in
 
relation
 
to
 
the
 
Agreements
 
were
 
dismissed
 
in
 
2018.
 
Civil
 
action
 
PCP
 
Capital
 
Partners
 
LLP
 
and
 
PCP
 
International
 
Finance
 
Limited
 
(PCP)
 
are
 
seeking
 
damages
 
of
 
approximately
 
£1.6bn
 
from
 
Barclays
Bank
 
PLC
 
for
 
fraudulent
 
misrepresentation
 
and
 
deceit,
 
arising
 
from
 
alleged
 
statements
 
made
 
by
 
Barclays
 
Bank
 
PLC
 
to
 
PCP
 
in
relation
 
to
 
the
 
terms
 
on
 
which
 
securities
 
were
 
to
 
be
 
issued
 
to
 
potential
 
investors,
 
allegedly
 
including
 
PCP,
 
in
 
the
 
November
 
2008
capital
 
raising.
 
Barclays
 
Bank
 
PLC
 
is
 
defending
 
the
 
claim
 
and
 
trial
 
commenced
 
in
 
June
 
2020.
 
Investigations
 
into
 
LIBOR
 
and
 
other
 
benchmarks
 
and
 
related
 
civil
 
actions
 
 
Regulators
 
and
 
law
 
enforcement
 
agencies,
 
including
 
certain
 
competition
 
authorities,
 
from
 
a
 
number
 
of
 
governments
 
have
conducted
 
investigations
 
relating
 
to
 
Barclays
 
Bank
 
PLC’s
 
involvement
 
in
 
allegedly
 
manipulating
 
certain
 
financial
 
benchmarks,
 
such
as
 
LIBOR.
 
The
 
SFO
 
has
 
closed
 
its
 
investigation
 
with
 
no
 
action
 
to
 
be
 
taken
 
against
 
the
 
Barclays
 
Group.
 
Various
 
individuals
 
and
corporates
 
in
 
a
 
range
 
of
 
jurisdictions
 
have
 
threatened
 
or
 
brought
 
civil
 
actions
 
against
 
the
 
Barclays
 
Group
 
and
 
other
 
banks
 
in
relation
 
to
 
the
 
alleged
 
manipulation
 
of
 
LIBOR
 
and/or
 
other
 
benchmarks.
 
Certain
 
actions
 
remain
 
pending.
 
USD
 
LIBOR
 
civil
 
actions
 
The
 
majority
 
of
 
the
 
USD
 
LIBOR
 
cases,
 
which
 
have
 
been
 
filed
 
in
 
various
 
US
 
jurisdictions,
 
have
 
been
 
consolidated
 
for
 
pre-trial
purposes
 
in
 
the
 
US
 
District
 
Court
 
in
 
the
 
Southern
 
District
 
of
 
New
 
York
 
(SDNY).
 
The
 
complaints
 
are
 
substantially
 
similar
 
and
 
allege,
among
 
other
 
things,
 
that
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC,
 
Barclays
 
Capital
 
Inc.
 
(BCI)
 
and
 
other
 
financial
 
institutions
 
individually
 
and
 
 
bbplch120p2i0.gif
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
39
 
 
collectively
 
violated
 
provisions
 
of
 
the
 
US
 
Sherman
 
Antitrust
 
Act
 
(Antitrust
 
Act),
 
the
 
US
 
Commodity
 
Exchange
 
Act
 
(CEA),
 
the
 
US
Racketeer
 
Influenced
 
and
 
Corrupt
 
Organizations
 
Act
 
(RICO),
 
the
 
Securities
 
Exchange
 
Act
 
of
 
1934
 
and
 
various
 
state
 
laws
 
by
manipulating
 
USD
 
LIBOR
 
rates.
 
Putative
 
class
 
actions
 
and
 
individual
 
actions
 
seek
 
unspecified
 
damages
 
with
 
the
 
exception
 
of
 
three
 
lawsuits,
 
in
 
which
 
the
 
plaintiffs
are
 
seeking
 
a
 
combined
 
total
 
of
 
approximately
 
$900m
 
in
 
actual
 
damages
 
and
 
additional
 
punitive
 
damages
 
against
 
all
 
defendants,
including
 
Barclays
 
Bank
 
PLC.
 
Some
 
of
 
the
 
lawsuits
 
also
 
seek
 
trebling
 
of
 
damages
 
under
 
the
 
Antitrust
 
Act
 
and
 
RICO.
 
Barclays
 
has
previously
 
settled
 
certai
 
n
 
claims.
 
Two
 
of
 
the
 
class
 
action
 
settlements
 
where
 
Barclays
 
has
 
paid
 
$20m
 
and
 
$7.1m,
 
respectively,
remain
 
subject
 
to
 
final
 
court
 
approval
 
and/or
 
the
 
right
 
of
 
class
 
members
 
to
 
opt
 
out
 
of
 
the
 
settlement
 
to
 
file
 
their
 
own
 
claims.
 
Sterling
 
LIBOR
 
civil
 
actions
 
In
 
2016,
 
two
 
putative
 
class
 
actions
 
filed
 
in
 
the
 
SDNY
 
against
 
Barclays
 
Bank
 
PLC,
 
BCI
 
and
 
other
 
Sterling
 
LIBOR
 
panel
 
banks
 
alleging,
among
 
other
 
things,
 
that
 
the
 
defendants
 
manipulated
 
the
 
Sterling
 
LIBOR
 
rate
 
in
 
violation
 
of
 
the
 
Antitrust
 
Act,
 
CEA
 
and
 
RICO,
 
were
consolidated.
 
The
 
defendants’
 
motion
 
to
 
dismiss
 
the
 
claims
 
was
 
granted
 
in
 
December
 
2018.
 
The
 
plaintiffs
 
have
 
appealed
 
the
dismissal.
 
Japanese
 
Yen
 
LIBOR
 
civil
 
actions
 
In
 
2012,
 
a
 
putative
 
class
 
action
 
was
 
filed
 
in
 
the
 
SDNY
 
against
 
Barclays
 
Bank
 
PLC
 
and
 
other
 
Japanese
 
Yen
 
LIBOR
 
panel
 
banks
 
by
 
a
 
lead
plaintiff
 
involved
 
in
 
exchange
 
-traded
 
derivatives
 
and
 
members
 
of
 
the
 
Japanese
 
Bankers
 
Association’s
 
Euroyen
 
Tokyo
 
Interbank
Offered
 
Rate
 
(Euroyen
 
TIBOR)
 
panel.
 
The
 
complaint
 
alleges,
 
among
 
other
 
things,
 
manipulation
 
of
 
the
 
Euroyen
 
TIBOR
 
and
 
Yen
 
LIBOR
rates
 
and
 
breaches
 
of
 
the
 
CEA
 
and
 
the
 
Antitrust
 
Act.
 
In
 
2014,
 
the
 
court
 
dismissed
 
the
 
plaintiff’s
 
antitrust
 
claims
 
in
 
full,
 
but
 
the
plaintiff’s
 
CEA
 
claims
 
remain
 
pending.
 
In
 
2015,
 
a
 
second
 
putative
 
class
 
action,
 
making
 
similar
 
allegations
 
to
 
the
 
above
 
class
 
action,
 
was
 
filed
 
in
 
the
 
SDNY
 
against
 
Barclays
PLC,
 
Barclays
 
Bank
 
PLC
 
and
 
BCI.
 
In
 
2017,
 
this
 
action
 
was
 
dismissed
 
in
 
full
 
and
 
the
 
plaintiffs
 
appealed
 
the
 
dismissal.
 
The
 
appellate
court
 
reversed
 
the
 
dismissal
 
and
 
the
 
matter
 
has
 
been
 
remanded
 
to
 
the
 
lower
 
court.
 
 
SIBOR/SOR
 
civil
 
action
 
In
 
2016,
 
a
 
putative
 
class
 
action
 
was
 
filed
 
in
 
the
 
SDNY
 
against
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC,
 
BCI
 
and
 
other
 
defendants,
 
alleging
manipulation
 
of
 
the
 
Singapore
 
Interbank
 
Offered
 
Rate
 
(SIBOR)
 
and
 
Singapore
 
Swap
 
Offer
 
Rate
 
(SOR).
 
In
 
October
 
2018,
 
the
 
court
dismissed
 
all
 
claims
 
against
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC
 
and
 
BCI.
 
The
 
plaintiffs
 
have
 
appealed
 
the
 
dismissal.
 
 
ICE
 
LIBOR
 
civil
 
actions
In
 
2019,
 
several
 
putative
 
class
 
actions
 
have
 
been
 
filed
 
in
 
the
 
SDNY
 
against
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC,
 
BCI,
 
other
 
financial
institution
 
defendants
 
and
 
Intercontinental
 
Exchange
 
Inc.
 
and
 
certain
 
of
 
its
 
affiliates
 
(ICE),
 
asserting
 
antitrust
 
claims
 
that
defendants
 
manipulated
 
USD
 
LIBOR
 
through
 
defendants’
 
submissions
 
to
 
ICE.
 
These
 
actions
 
have
 
been
 
consolidated.
 
The
defendants’
 
motion
 
to
 
dismiss
 
was
 
granted
 
in
 
March
 
2020.
 
The
 
plaintiffs
 
have
 
appealed
 
the
 
dismissal.
 
Non
 
-US
 
benchmarks
 
civil
 
actions
 
Legal
 
proceedings
 
(which
 
include
 
the
 
claims
 
referred
 
to
 
below
 
in
 
‘Local
 
authority
 
civil
 
actions
 
concerning
 
LIBOR’)
 
have
 
been
 
brought
or
 
threatened
 
against
 
Barclays
 
Bank
 
PLC
 
(and,
 
in
 
certain
 
cases,
 
Barclays
 
Bank
 
UK
 
PLC)
 
in
 
the
 
UK
 
in
 
connection
 
with
 
alleged
manipulation
 
of
 
LIBOR,
 
EURIBOR
 
and
 
other
 
benchmarks.
 
Proceedings
 
have
 
also
 
been
 
brought
 
in
 
a
 
number
 
of
 
other
 
jurisdictions
 
in
Europe
 
and
 
Israel.
 
Additional
 
proceedings
 
in
 
other
 
jurisdictions
 
may
 
be
 
brought
 
in
 
the
 
future.
 
Foreign
 
Exchange
 
investigations
 
and
 
related
 
civil
 
actions
 
In
 
2015,
 
the
 
Barclays
 
Group
 
reached
 
settlements
 
totalling
 
approximately
 
$2.38bn
 
with
 
various
 
US
 
federal
 
and
 
state
 
authorities
 
and
the
 
FCA
 
in
 
relation
 
to
 
investigations
 
into
 
certain
 
sales
 
and
 
trading
 
practices
 
in
 
the
 
Foreign
 
Exchange
 
market.
 
Under
 
the
 
related
 
plea
agreement
 
with
 
the
 
US
 
Department
 
of
 
Justice
 
(DoJ),
 
which
 
received
 
final
 
court
 
approval
 
in
 
January
 
2017,
 
the
 
Barclays
 
Group
 
agreed
to
 
a
 
term
 
of
 
probation
 
of
 
three
 
years,
 
which
 
expired
 
in
 
January
 
2020.
 
The
 
Barclays
 
Group
 
also
 
continues
 
to
 
provide
 
relevant
information
 
to
 
certain
 
authorities.
 
 
The
 
European
 
Commission
 
is
 
one
 
of
 
a
 
number
 
of
 
authorities
 
still
 
conducting
 
an
 
investigation
 
into
 
certain
 
trading
 
practices
 
in
Foreign
 
Exc
 
hange
 
markets.
 
The
 
European
 
Commission
 
announced
 
two
 
settlements
 
in
 
May
 
2019
 
and
 
the
 
Barclays
 
Group
 
paid
penalties
 
totalling
 
approximately
 
€210m.
 
In
 
June
 
2019,
 
the
 
Swiss
 
Competition
 
Commission
 
announced
 
two
 
settlements
 
and
 
the
Barclays
 
Group
 
paid
 
penalties
 
totalling
 
approximately
 
CHF
 
27m.
 
The
 
financial
 
impact
 
of
 
the
 
ongoing
 
matters
 
is
 
not
 
expected
 
to
 
be
material
 
to
 
the
 
Barclays
 
Bank
 
Group’s
 
operating
 
results,
 
cash
 
flows
 
or
 
financial
 
position.
 
A
 
number
 
of
 
individuals
 
and
 
corporates
 
in
 
a
 
range
 
of
 
jurisdictions
 
have
 
also
 
threatened
 
or
 
brought
 
civil
 
actions
 
against
 
the
 
Barclays
Group
 
and
 
other
 
banks
 
in
 
relation
 
to
 
alleged
 
manipulation
 
of
 
Foreign
 
Exchange
 
markets,
 
and
 
may
 
do
 
so
 
in
 
the
 
future.
 
Certain
actions
 
remain
 
pending.
 
 
FX
 
opt
 
out
 
civil
 
action
 
In
 
2018,
 
Barclays
 
Bank
 
PLC
 
and
 
BCI
 
settled
 
a
 
consolidated
 
action
 
filed
 
in
 
the
 
SDNY,
 
alleging
 
manipulation
 
of
 
Foreign
 
Exchange
markets
 
(Consolidated
 
FX
 
Action),
 
for
 
a
 
total
 
amount
 
of
 
$384m.
 
Also
 
in
 
2018,
 
a
 
group
 
of
 
plaintiffs
 
who
 
opted
 
out
 
of
 
the
 
 
bbplch120p2i0.gif
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
40
 
 
Consolidated
 
FX
 
Action
 
filed
 
a
 
complaint
 
in
 
the
 
SDNY
 
against
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC,
 
BCI
 
and
 
other
 
defendants.
 
Some
 
of
the
 
plaintiff’s
 
claims
 
were
 
dismissed
 
in
 
May
 
2020.
 
Retail
 
basis
 
civil
 
action
 
In
 
2015,
 
a
 
putative
 
class
 
action
 
was
 
filed
 
against
 
several
 
international
 
banks,
 
including
 
Barclays
 
PLC
 
and
 
BCI,
 
on
 
behalf
 
of
 
a
proposed
 
class
 
of
 
individuals
 
who
 
exchanged
 
currencies
 
on
 
a
 
retail
 
basis
 
at
 
bank
 
branches
 
(Retail
 
Basis
 
Claims).
 
The
 
SDNY
 
has
 
ruled
that
 
the
 
Retail
 
Basis
 
Claims
 
are
 
not
 
co
 
vered
 
by
 
the
 
settlement
 
agreement
 
in
 
the
 
Consolidated
 
FX
 
Action.
 
The
 
Court
 
subsequently
dismissed
 
all
 
Retail
 
Basis
 
Claims
 
against
 
the
 
Barclays
 
Group
 
and
 
all
 
other
 
defendants.
 
The
 
plaintiffs
 
have
 
filed
 
an
 
amended
complaint.
 
State
 
law
 
FX
 
civil
 
action
 
In
 
2017,
 
the
 
SDNY
 
dismissed
 
consolidated
 
putative
 
class
 
actions
 
brought
 
under
 
federal
 
and
 
various
 
state
 
laws
 
on
 
behalf
 
of
 
proposed
classes
 
of
 
(i)
 
stockholders
 
of
 
Exchange
 
Traded
 
Funds
 
and
 
others
 
who
 
purportedly
 
were
 
indirect
 
investors
 
in
 
FX
 
instruments,
 
and
 
(ii)
investors
 
who
 
traded
 
FX
 
instruments
 
through
 
FX
 
dealers
 
or
 
brokers
 
not
 
alleged
 
to
 
have
 
manipulated
 
Foreign
 
Exchange
 
Rates.
Barclays
 
Bank
 
PLC
 
and
 
BCI
 
have
 
settled
 
the
 
claim,
 
which
 
is
 
subject
 
to
 
court
 
approval.
 
Non
 
-US
 
FX
 
civil
 
actions
 
In
 
addition
 
to
 
the
 
actions
 
described
 
above,
 
legal
 
proceedings
 
have
 
been
 
brought
 
or
 
are
 
threatened
 
against
 
Barclays
 
PLC,
 
Barclays
Bank
 
PLC,
 
BCI
 
and
 
Barclays
 
Execution
 
Services
 
Limited
 
(BX)
 
in
 
connection
 
with
 
alleged
 
manipulation
 
of
 
Foreign
 
Exchange
 
in
 
the
 
UK,
a
 
number
 
of
 
other
 
jurisdictions
 
in
 
Europe,
 
Israel
 
and
 
Australia
 
and
 
additional
 
proceedings
 
may
 
be
 
brought
 
in
 
the
 
future.
 
Metals
 
investigations
 
and
 
related
 
civil
 
actions
 
Barclays
 
Bank
 
PLC
 
previously
 
provided
 
information
 
to
 
the
 
DoJ,
 
the
 
US
 
Commodity
 
Futures
 
Trading
 
Commission
 
and
 
other
authorities
 
in
 
connection
 
with
 
investigations
 
into
 
metals
 
and
 
metals
 
-based
 
financial
 
instruments.
 
 
A
 
number
 
of
 
US
 
civil
 
complaints,
 
each
 
on
 
behalf
 
of
 
a
 
proposed
 
class
 
of
 
plaintiffs,
 
have
 
been
 
consolidated
 
and
 
transferred
 
to
 
the
SDNY.
 
The
 
complaints
 
allege
 
that
 
Barclays
 
Bank
 
PLC
 
and
 
other
 
members
 
of
 
The
 
London
 
Gold
 
Market
 
Fixing
 
Ltd.
 
manipulated
 
the
prices
 
of
 
gold
 
and
 
gold
 
derivative
 
contracts
 
in
 
violation
 
of
 
US
 
antitrust
 
and
 
other
 
federal
 
laws.
 
This
 
consolidated
 
putative
 
class
action
 
remains
 
pending.
 
A
 
separate
 
US
 
civil
 
complaint
 
by
 
a
 
proposed
 
class
 
of
 
plaintiffs
 
against
 
a
 
number
 
of
 
banks,
 
including
 
Barclays
Bank
 
PLC,
 
BCI
 
and
 
BX,
 
alleging
 
manipulation
 
of
 
the
 
price
 
of
 
silver
 
in
 
violation
 
of
 
the
 
CEA,
 
the
 
Antitrust
 
Act
 
and
 
state
 
antitrust
 
and
consumer
 
protection
 
laws,
 
has
 
been
 
dismissed
 
as
 
against
 
the
 
Barclays
 
entities.
 
The
 
plaintiffs
 
have
 
the
 
option
 
to
 
seek
 
the
 
court’s
permission
 
to
 
appeal.
 
Civil
 
actions
 
have
 
also
 
been
 
filed
 
in
 
Canadian
 
courts
 
against
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC,
 
Barclays
 
Capital
 
Canada
 
Inc.
 
and
 
BCI
 
on
behalf
 
of
 
proposed
 
classes
 
of
 
plaintiffs
 
alleging
 
manipulation
 
of
 
gold
 
and
 
silver
 
prices.
 
 
US
 
residential
 
mortgage
 
relat
 
ed
 
civil
 
actions
 
There
 
are
 
various
 
pending
 
civil
 
actions
 
relating
 
to
 
US
 
Residential
 
Mortgage
 
-Backed
 
Securities
 
(RMBS),
 
including
 
four
 
actions
 
arising
from
 
unresolved
 
repurchase
 
requests
 
submitted
 
by
 
Trustees
 
for
 
certain
 
RMBS,
 
alleging
 
breaches
 
of
 
various
 
loan-level
representations
 
and
 
warranties
 
(R&Ws)
 
made
 
by
 
Barclays
 
Bank
 
PLC
 
and/or
 
a
 
subsidiary
 
acquired
 
in
 
2007
 
(the
 
Acquired
 
Subsidiary).
The
 
unresolved
 
repurchase
 
requests
 
received
 
as
 
at
 
31
 
December
 
2019
 
had
 
an
 
original
 
unpaid
 
principal
 
balance
 
of
 
approx
 
imately
$2.1bn.
 
The
 
Trustees
 
have
 
also
 
alleged
 
that
 
the
 
relevant
 
R&Ws
 
may
 
have
 
been
 
breached
 
with
 
respect
 
to
 
a
 
greater
 
(but
 
unspecified)
amount
 
of
 
loans
 
than
 
previously
 
stated
 
in
 
the
 
unresolved
 
repurchase
 
requests.
 
 
These
 
repurchase
 
actions
 
are
 
ongoing.
 
In
 
one
 
repurchase
 
action,
 
the
 
New
 
York
 
Court
 
of
 
Appeals
 
held
 
that
 
claims
 
related
 
to
 
certain
R&Ws
 
are
 
time-barred.
 
Barclays
 
Bank
 
PLC
 
has
 
reached
 
a
 
settlement
 
to
 
resolve
 
two
 
of
 
the
 
repurchase
 
actions,
 
which
 
is
 
subject
 
to
final
 
court
 
approval.
 
The
 
financial
 
impact
 
of
 
the
 
settlement
 
is
 
not
 
expected
 
to
 
be
 
material
 
to
 
the
 
Barclays
 
Bank
 
Group’s
 
operating
results,
 
cash
 
flows
 
or
 
financial
 
position.
 
The
 
remaining
 
two
 
repurchase
 
actions
 
are
 
pending.
 
Government
 
and
 
agency
 
securities
 
civil
 
actions
 
and
 
related
 
matters
Certain
 
governmental
 
authorities
 
are
 
conducting
 
investigations
 
into
 
activities
 
relating
 
to
 
the
 
trading
 
of
 
certain
 
government
 
and
agency
 
securities
 
in
 
various
 
markets.
 
The
 
Barclays
 
Group
 
provided
 
information
 
in
 
cooperation
 
with
 
such
 
investigations.
 
Civil
 
actions
have
 
also
 
been
 
filed
 
on
 
the
 
basis
 
of
 
similar
 
allegations,
 
as
 
described
 
below.
 
Treasury
 
auction
 
securities
 
civil
 
actions
Consolidated
 
putative
 
class
 
action
 
complaints
 
filed
 
in
 
US
 
federal
 
court
 
against
 
Barclays
 
Bank
 
PLC,
 
BCI
 
and
 
other
 
financial
 
institutions
under
 
the
 
Antitrust
 
Act
 
and
 
state
 
common
 
law
 
allege
 
that
 
the
 
defendants
 
(i)
 
conspired
 
to
 
manipulate
 
the
 
US
 
Treasury
 
securities
market
 
and/or
 
(ii)
 
conspired
 
to
 
prevent
 
the
 
creation
 
of
 
certain
 
platforms
 
by
 
boycotting
 
or
 
threatening
 
to
 
boycott
 
such
 
trading
platforms.
 
The
 
defendants
 
have
 
filed
 
a
 
motion
 
to
 
dismiss.
 
In
 
addition,
 
certain
 
plaintiffs
 
have
 
filed
 
a
 
related,
 
direct
 
action
 
against
 
BCI
 
and
 
certain
 
other
 
financial
 
institutions,
 
alleging
 
that
defendants
 
conspired
 
to
 
fix
 
and
 
manipulate
 
the
 
US
 
Treasury
 
securities
 
market
 
in
 
violation
 
of
 
the
 
Antitrust
 
Act,
 
the
 
CEA
 
and
 
state
common
 
law.
 
 
 
bbplch120p2i0.gif
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
41
 
 
Supranational,
 
Sovereign
 
and
 
Agency
 
bonds
 
civil
 
actions
Civil
 
antitrust
 
actions
 
have
 
been
 
filed
 
in
 
the
 
SDNY
 
and
 
Federal
 
Court
 
of
 
Canada
 
in
 
Toronto
 
against
 
Barclays
 
Bank
 
PLC,
 
BCI,
 
BX,
Barclays
 
Capital
 
Securities
 
Limited
 
and,
 
with
 
respect
 
to
 
the
 
civil
 
action
 
filed
 
in
 
Canada
 
only,
 
Barclays
 
Capital
 
Canada,
 
Inc.
 
and
 
other
financial
 
institutions
 
alleging
 
that
 
the
 
defendants
 
conspired
 
to
 
fix
 
prices
 
and
 
restrain
 
competition
 
in
 
the
 
market
 
for
 
US
 
dollar-
denominated
 
Supranational,
 
Sovereign
 
and
 
Agency
 
bonds.
 
 
In
 
one
 
of
 
the
 
actions
 
filed
 
in
 
the
 
SDNY,
 
the
 
court
 
granted
 
the
 
defend
 
ants’
 
motion
 
to
 
dismiss
 
the
 
plaintiffs’
 
complaint,
 
which
 
the
plaintiffs
 
have
 
appealed.
 
The
 
plaintiffs
 
have
 
voluntarily
 
dismissed
 
the
 
other
 
SDNY
 
action.
 
Variable
 
Rate
 
Demand
 
Obligations
 
civil
 
actions
Civil
 
actions
 
have
 
been
 
filed
 
against
 
Barclays
 
Bank
 
PLC
 
and
 
BCI
 
and
 
other
 
financial
 
institutions
 
alleging
 
the
 
defendants
 
conspired
 
or
colluded
 
to
 
artificially
 
inflate
 
interest
 
rates
 
set
 
for
 
Variable
 
Rate
 
Demand
 
Obligations
 
(VRDOs).
 
VRDOs
 
are
 
municipal
 
bonds
 
with
interest
 
rates
 
that
 
reset
 
on
 
a
 
periodic
 
basis,
 
most
 
commonly
 
weekly.
 
Two
 
actions
 
in
 
state
 
court
 
have
 
been
 
filed
 
by
 
private
 
plaintiffs
on
 
behalf
 
of
 
the
 
states
 
of
 
Illinois
 
and
 
California.
 
Two
 
putative
 
class
 
action
 
complaints,
 
which
 
have
 
been
 
consolidated,
 
have
 
been
filed
 
in
 
the
 
SDNY.
 
 
Government
 
bond
 
civil
 
actions
In
 
a
 
putative
 
class
 
action
 
filed
 
in
 
the
 
SDNY
 
in
 
2019,
 
plaintiffs
 
alleged
 
that
 
BCI
 
and
 
certain
 
other
 
bond
 
dealers
 
conspired
 
to
 
fix
 
the
prices
 
of
 
US
 
government
 
sponsored
 
entity
 
bonds
 
in
 
violation
 
of
 
US
 
antitrust
 
law.
 
BCI
 
agreed
 
to
 
a
 
settlement
 
of
 
$87m,
 
which
received
 
final
 
court
 
approval
 
in
 
June
 
2020.
 
Separately,
 
various
 
entities
 
in
 
Louisiana,
 
including
 
the
 
Louisiana
 
Attorney
 
General
 
and
the
 
City
 
of
 
Baton
 
Rouge,
 
have
 
filed
 
complaints
 
against
 
Barclays
 
Bank
 
PLC
 
and
 
other
 
financial
 
institutions
 
making
 
similar
 
allegations
as
 
the
 
class
 
action
 
plaintiffs
 
.
 
In
 
2018,
 
a
 
separate
 
putative
 
class
 
action
 
against
 
various
 
financial
 
institutions
 
including
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC,
 
BCI,
Barclays
 
Bank
 
Mexico,
 
S.A.,
 
and
 
certain
 
other
 
subsidiaries
 
of
 
the
 
Barclays
 
Bank
 
Group
 
was
 
consolidated
 
in
 
the
 
SDNY.
 
The
 
plaintiffs
asserted
 
antitrust
 
and
 
state
 
law
 
claims
 
arising
 
out
 
of
 
an
 
alleged
 
conspiracy
 
to
 
fix
 
the
 
prices
 
of
 
Mexican
 
Government
 
bonds.
 
Barclays
PLC
 
has
 
settled
 
the
 
claim
 
for
 
$5.7m,
 
which
 
is
 
subject
 
to
 
court
 
approval.
 
 
BDC
 
Finance
 
L.L.C.
 
In
 
2008,
 
BDC
 
Finance
 
L.L.C.
 
(BDC)
 
filed
 
a
 
complaint
 
in
 
the
 
NY
 
Supreme
 
Court,
 
demanding
 
damages
 
of
 
$298m,
 
alleging
 
that
 
Barclays
Bank
 
PLC
 
had
 
breached
 
a
 
contract
 
in
 
connection
 
with
 
a
 
portfolio
 
of
 
total
 
return
 
swaps
 
governed
 
by
 
an
 
ISDA
 
Master
 
Agreement
(collectively,
 
the
 
Agreement).
 
Following
 
a
 
trial
 
on
 
certain
 
liability
 
issues,
 
the
 
court
 
ruled
 
in
 
December
 
2018
 
that
 
Barclays
 
Bank
 
PLC
was
 
not
 
a
 
defaulting
 
party,
 
which
 
was
 
affirmed
 
on
 
appeal.
 
Barclays
 
Bank
 
PLC’s
 
counterclaim
 
against
 
BDC
 
remains
 
pending.
 
In
 
2011,
 
BDC’s
 
investment
 
advisor,
 
BDCM
 
Fund
 
Adviser,
 
L.L.C.
 
and
 
its
 
parent
 
company,
 
Black
 
Diamond
 
Capital
 
Holdings,
 
L.L.C.
 
also
sued
 
Barclays
 
Bank
 
PLC
 
and
 
BCI
 
in
 
Connecticut
 
State
 
Court
 
for
 
unspecified
 
damages
 
allegedly
 
resulting
 
from
 
Barclays
 
Bank
 
PLC’s
conduct
 
relating
 
to
 
the
 
Agreement,
 
asserting
 
claims
 
for
 
violation
 
of
 
the
 
Connecticut
 
Unfair
 
Trade
 
Practices
 
Act
 
and
 
tortious
interference
 
with
 
business
 
and
 
prospective
 
business
 
relations.
 
This
 
case
 
is
 
curren
 
tly
 
stayed.
 
Civil
 
actions
 
in
 
respect
 
of
 
the
 
US
 
Anti-Terrorism
 
Act
 
There
 
are
 
a
 
number
 
of
 
civil
 
actions,
 
on
 
behalf
 
of
 
more
 
than
 
4,000
 
plaintiffs,
 
filed
 
in
 
US
 
federal
 
courts
 
in
 
the
 
US
 
District
 
Court
 
in
 
the
Eastern
 
District
 
of
 
New
 
York
 
(EDNY)
 
and
 
SDNY
 
against
 
Barclays
 
Bank
 
PLC
 
and
 
a
 
number
 
of
 
other
 
banks.
 
The
 
complaints
 
gene
 
rally
allege
 
that
 
Barclays
 
Bank
 
PLC
 
and
 
those
 
banks
 
engaged
 
in
 
a
 
conspiracy
 
to
 
facilitate
 
US
 
dollar-
 
denominated
 
transactions
 
for
 
the
Government
 
of
 
Iran
 
and
 
various
 
Iranian
 
banks,
 
which
 
in
 
turn
 
funded
 
acts
 
of
 
terrorism
 
that
 
injured
 
or
 
killed
 
plaintiffs
 
or
 
plaintiffs’
family
 
members.
 
The
 
plaintiffs
 
seek
 
to
 
recover
 
damages
 
for
 
pain,
 
suffering
 
and
 
mental
 
anguish
 
under
 
the
 
provisions
 
of
 
the
 
US
 
Anti-
Terrorism
 
Act,
 
which
 
allow
 
for
 
the
 
trebling
 
of
 
any
 
proven
 
damages.
 
 
The
 
court
 
granted
 
the
 
defendants’
 
motion
 
to
 
dismiss
 
three
 
actions
 
in
 
the
 
EDNY.
 
Plaintiffs
 
have
 
appealed
 
in
 
one
 
action.
 
The
 
court
also
 
granted
 
the
 
defendants’
 
motion
 
to
 
dismiss
 
another
 
action
 
in
 
the
 
SDNY.
 
The
 
remaining
 
actions
 
are
 
stayed
 
pending
 
decisions
 
in
these
 
cases.
 
 
Interest
 
rate
 
swap
 
and
 
credit
 
default
 
swap
 
US
 
civil
 
actions
 
Barclays
 
PLC,
 
Barclays
 
Bank
 
PLC
 
and
 
BCI,
 
together
 
with
 
other
 
financial
 
institutions
 
that
 
act
 
as
 
market
 
makers
 
for
 
interest
 
rat
 
e
 
swaps
(IRS)
 
are
 
named
 
as
 
defendants
 
in
 
several
 
antitrust
 
class
 
actions
 
which
 
were
 
consolidated
 
in
 
the
 
SDNY
 
in
 
2016.
 
The
 
complaints
 
allege
the
 
defendants
 
conspired
 
to
 
prevent
 
the
 
development
 
of
 
exchanges
 
for
 
IRS
 
and
 
demand
 
unspecified
 
money
 
damages.
 
 
In
 
2018,
 
trueEX
 
LLC
 
filed
 
an
 
antitrust
 
class
 
action
 
in
 
the
 
SDNY
 
against
 
a
 
number
 
of
 
financial
 
institutions
 
including
 
Barclays
 
PLC,
Barclays
 
Bank
 
PLC
 
and
 
BCI
 
based
 
on
 
similar
 
allegations
 
with
 
respect
 
to
 
trueEX
 
LLC’s
 
development
 
of
 
an
 
IRS
 
platform.
 
In
 
2017,
 
Ter
 
a
Group
 
Inc.
 
filed
 
a
 
separate
 
civil
 
antitrust
 
action
 
in
 
the
 
SDNY
 
claiming
 
that
 
certain
 
conduct
 
alleged
 
in
 
the
 
IRS
 
cases
 
also
 
caused
 
the
plaintiff
 
to
 
suffer
 
harm
 
with
 
respect
 
to
 
the
 
Credit
 
Default
 
Swaps
 
market.
 
In
 
November
 
2018
 
and
 
July
 
2019,
 
respectively,
 
the
 
court
dismissed
 
certain
 
claims
 
in
 
both
 
cases
 
for
 
unjust
 
enrichment
 
and
 
tortious
 
interference
 
but
 
denied
 
motions
 
to
 
dismiss
 
the
 
federal
and
 
state
 
antitrust
 
claims,
 
which
 
remain
 
pending.
 
 
 
 
bbplch120p2i0.gif
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
42
 
 
Odd-lot
 
corporate
 
bonds
 
antitrust
 
class
 
action
 
 
In
 
2020,
 
BCI,
 
together
 
with
 
other
 
financial
 
institutions,
 
were
 
named
 
as
 
defendants
 
in
 
a
 
putative
 
class
 
action.
 
The
 
complaint
 
alleges
 
a
conspiracy
 
to
 
boycott
 
developing
 
electronic
 
trading
 
platforms
 
for
 
odd-lots
 
and
 
price
 
fixing.
 
Plaintiffs
 
demand
 
unspecified
 
money
damages.
 
 
Investigation
 
into
 
collections
 
and
 
recoveries
 
relating
 
to
 
unsecured
 
lending
 
 
Since
 
February
 
2018,
 
the
 
FCA
 
has
 
been
 
investigating
 
whether
 
the
 
Barclays
 
Group
 
implemented
 
effective
 
systems
 
and
 
controls
 
with
respect
 
to
 
collections
 
and
 
recoveries
 
and
 
whether
 
it
 
paid
 
due
 
consideration
 
to
 
the
 
interests
 
of
 
customers
 
in
 
default
 
and
 
arrears.
The
 
FCA
 
investigation
 
is
 
at
 
an
 
advanced
 
stage.
 
HM
 
Revenue
 
&
 
Customs
 
(HMRC)
 
assessments
 
concerning
 
UK
 
Value
 
Added
 
Tax
 
In
 
2018,
 
HMRC
 
issued
 
notices
 
that
 
have
 
the
 
effect
 
of
 
removing
 
certain
 
overseas
 
subsidiaries
 
that
 
have
 
operations
 
in
 
the
 
UK
 
from
Barclays
 
’
 
UK
 
VAT
 
group,
 
in
 
which
 
group
 
supplies
 
between
 
members
 
are
 
generally
 
free
 
from
 
VAT.
 
The
 
notices
 
have
 
retrospective
effect
 
and
 
correspond
 
to
 
assessments
 
of
 
£181m
 
(inclusive
 
of
 
interest),
 
of
 
which
 
Barclays
 
would
 
expect
 
to
 
attribute
 
an
 
amount
 
of
approximatel
 
y
 
£128m
 
to
 
Barclays
 
Bank
 
UK
 
PLC
 
and
 
£53m
 
to
 
Barclays
 
Bank
 
PLC.
 
HMRC’s
 
decision
 
has
 
been
 
appealed
 
to
 
the
 
First
 
Tier
Tribunal
 
(Tax
 
Chamber).
 
Local
 
authority
 
civil
 
actions
 
concerning
 
LIBOR
 
Following
 
settlement
 
by
 
Barclays
 
Bank
 
PLC
 
of
 
various
 
governmental
 
investigations
 
concerning
 
certain
 
benchmark
 
interest
 
rate
submissions
 
referred
 
to
 
above
 
in
 
‘Investigations
 
into
 
LIBOR
 
and
 
other
 
benchmarks
 
and
 
related
 
civil
 
actions’,
 
in
 
the
 
UK,
 
certain
 
local
authorities
 
have
 
brought
 
claims
 
against
 
Barclays
 
Bank
 
PLC
 
(and,
 
in
 
certain
 
cases,
 
Barclays
 
Bank
 
UK
 
PLC)
 
asserting
 
that
 
they
 
entered
into
 
loans
 
in
 
reliance
 
on
 
misrepresentations
 
made
 
by
 
Barclays
 
Bank
 
PLC
 
in
 
respect
 
of
 
its
 
conduct
 
in
 
relation
 
to
 
LIBOR.
 
Barclays
 
has
applied
 
to
 
strike
 
out
 
the
 
claims.
 
General
The
 
Barclays
 
Bank
 
Group
 
is
 
engaged
 
in
 
various
 
other
 
legal,
 
competition
 
and
 
regulatory
 
matters
 
in
 
the
 
UK,
 
the
 
US
 
and
 
a
 
number
 
of
other
 
overseas
 
jurisdictions.
 
It
 
is
 
subject
 
to
 
legal
 
proceedings
 
brought
 
by
 
and
 
against
 
the
 
Barclays
 
Bank
 
Group
 
which
 
arise
 
in
 
the
ordinary
 
course
 
of
 
business
 
from
 
time
 
to
 
time,
 
including
 
(but
 
not
 
limited
 
to)
 
disputes
 
in
 
relation
 
to
 
contracts,
 
securities,
 
debt
collection,
 
consumer
 
credit,
 
fraud,
 
trusts,
 
client
 
assets,
 
competition,
 
data
 
management
 
and
 
protection,
 
money
 
laundering,
 
financial
crime,
 
employment,
 
environmental
 
and
 
other
 
statutory
 
and
 
common
 
law
 
issues.
 
The
 
Barclays
 
Bank
 
Group
 
is
 
also
 
subject
 
to
 
enquiries
 
and
 
examinations,
 
requests
 
for
 
information,
 
audits,
 
investigations
 
and
 
legal
and
 
other
 
proceedings
 
by
 
regulators,
 
gov
 
ernmental
 
and
 
other
 
public
 
bodies
 
in
 
connection
 
with
 
(but
 
not
 
limited
 
to)
 
consumer
protection
 
measures,
 
compliance
 
with
 
legislation
 
and
 
regulation,
 
wholesale
 
trading
 
activity
 
and
 
other
 
areas
 
of
 
banking
 
and
business
 
activities
 
in
 
which
 
the
 
Barclays
 
Bank
 
Gro
 
up
 
is
 
or
 
has
 
been
 
engaged.
 
The
 
Barclays
 
Bank
 
Group
 
is
 
cooperating
 
with
 
the
relevant
 
authorities
 
and
 
keeping
 
all
 
relevant
 
agencies
 
briefed
 
as
 
appropriate
 
in
 
relation
 
to
 
these
 
matters
 
and
 
others
 
described
 
in
this
 
note
 
on
 
an
 
ongoing
 
basis.
 
At
 
the
 
present
 
time,
 
Barclays
 
Bank
 
PLC
 
does
 
not
 
expect
 
the
 
ultimate
 
resolution
 
of
 
any
 
of
 
these
 
other
 
matters
 
to
 
have
 
a
 
material
adverse
 
effect
 
on
 
its
 
financial
 
position.
 
However,
 
in
 
light
 
of
 
the
 
uncertainties
 
involved
 
in
 
such
 
matters
 
and
 
the
 
matters
 
specifically
described
 
in
 
this
 
note,
 
there
 
can
 
be
 
no
 
assurance
 
that
 
the
 
outcome
 
of
 
a
 
particular
 
matter
 
or
 
matters
 
(including
 
formerly
 
active
matters
 
or
 
those
 
matters
 
arising
 
after
 
the
 
date
 
of
 
this
 
note)
 
will
 
not
 
be
 
material
 
to
 
Barclays
 
Bank
 
PLC’s
 
results,
 
operations
 
or
 
cash
flow
 
for
 
a
 
particular
 
period,
 
depending
 
on,
 
among
 
other
 
things,
 
the
 
amount
 
of
 
the
 
loss
 
resulting
 
from
 
the
 
matter(s)
 
and
 
the
 
amount
of
 
profit
 
otherwise
 
reported
 
for
 
the
 
reporting
 
period.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
43
 
 
15.
 
Related
 
party
 
transactions
 
Related
 
party
 
transactions
 
in
 
the
 
half
 
year
 
ended
 
30
 
June
 
2020
 
were
 
similar
 
in
 
nature
 
to
 
those
 
disclosed
 
in
 
the
 
Barclays
 
Bank
 
PLC
Annual
 
Report
 
2019.
 
Amounts
 
included
 
in
 
the
 
Barclays
 
Bank
 
Group’s
 
financial
 
statements
 
with
 
other
 
Barclays
 
Group
 
companies
 
are
 
as
 
follows:
 
Half
 
year
 
ended
 
30.06.20
Half
 
year
 
ended
 
30.06.19
Parent
Fellow
subsidiaries
Parent
Fellow
subsidiaries
£m
£m
£m
£m
Total
 
income
(346)
31
(275)
32
Operating
 
expenses
(34)
(1,443)
(46)
(1,546)
As
 
at
 
30.06.20
As
 
at
 
31.12.19
Parent
Fellow
subsidiaries
Parent
Fellow
subsidiaries
£m
£m
£m
£m
Total
 
assets
5,793
1,952
2,097
2,165
Total
 
liabilities
27,262
2,531
24,876
1,600
 
Except
 
for
 
the
 
above,
 
no
 
related
 
party
 
transactions
 
that
 
have
 
taken
 
place
 
in
 
the
 
half
 
year
 
ended
 
30
 
June
 
2020
 
have
 
materially
affected
 
the
 
financial
 
position
 
or
 
performance
 
of
 
the
 
Barclays
 
Bank
 
Group
 
during
 
this
 
period.
 
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Financial
 
Statement
 
Notes
 
 
 
 
Barclays
 
Bank
 
PLC
 
44
 
 
16.
 
Barclays
 
Bank
 
PLC
 
parent
 
condensed
 
balance
 
sheet
As
 
at
As
 
at
30.06.20
31.12.19
Assets
£m
£m
Cash
 
and
 
balances
 
at
 
central
 
banks
 
128,461
112,287
Cash
 
collateral
 
and
 
settlement
 
balances
115,391
75,822
Loans
 
and
 
advances
 
at
 
amortised
 
cost
186,606
161,663
Reverse
 
repurchase
 
agreements
 
and
 
other
 
similar
 
secured
 
lending
 
22,926
4,939
Trading
 
portfolio
 
assets
 
73,646
79,079
Financial
 
assets
 
at
 
fair
 
value
 
through
 
the
 
income
 
statement
187,575
162,500
Derivative
 
financial
 
instruments
304,807
229,338
Financial
 
assets
 
at
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
53,475
43,760
Investment
 
in
 
associates
 
and
 
joint
 
ventures
16
119
Investment
 
in
 
subsidiaries
16,653
16,105
Goodwill
 
and
 
intangible
 
assets
 
114
115
Property,
 
plant
 
and
 
equipment
419
426
Current
 
tax
 
assets
 
1,045
946
Deferred
 
tax
 
assets
1,203
1,115
Retirement
 
benefit
 
assets
2,797
2,062
Other
 
assets
1,234
845
Total
 
assets
1,096,368
891,121
Liabilities
Deposits
 
at
 
amortised
 
cost
268,286
240,631
Cash
 
collateral
 
and
 
settlement
 
balances
 
94,744
59,448
Repurchase
 
agreements
 
and
 
other
 
similar
 
secured
 
borrowing
 
9,778
9,185
Debt
 
securities
 
in
 
issue
34,926
19,883
Subordinated
 
liabilities
 
36,937
33,205
Trading
 
portfolio
 
liabilities
 
53,953
45,130
Financial
 
liabilities
 
designated
 
at
 
fair
 
value
 
234,510
207,765
Derivative
 
financial
 
instruments
 
306,288
225,607
Current
 
tax
 
liabilities
 
287
221
Deferred
 
tax
 
liabilities
 
1,083
80
Retirement
 
benefit
 
liabilities
105
104
Other
 
liabilities
3,297
2,807
Provisions
885
630
Total
 
liabilities
1,045,079
844,696
Equity
Called
 
up
 
share
 
capital
 
and
 
share
 
premium
2,348
2,348
Other
 
equity
 
instruments
 
11,089
11,089
Other
 
reserves
2,763
678
Retained
 
earnings
 
35,089
32,310
Total
 
equity
51,289
46,425
Total
 
liabilities
 
and
 
equity
1,096,368
891,121
 
In
 
H120,
 
Barclays
 
Bank
 
PLC
 
sold
 
its
 
investments
 
in
 
Barclaycard
 
International
 
Payments
 
Limited,
 
Entercard
 
Group
 
AB,
 
Carnegie
Holdings
 
Limited
 
and
 
Barclays
 
Mercantile
 
Business
 
Finance
 
Limited
 
to
 
Barclays
 
Principal
 
Investments
 
Limited,
 
a
 
fellow
 
group
company,
 
at
 
their
 
fair
 
values
 
of
 
£102m,
 
£292m,
 
£188m
 
and
 
£154m
 
respectively.
 
Barclays
 
Bank
 
PLC
 
recorded
 
profit
 
on
 
disposal
 
of
 
£56m,
 
£192m,
 
£133m
 
and
 
£23m
 
in
 
respect
 
of
 
these
 
transactions.
 
The
 
Barclays
Bank
 
Group
 
recorded
 
profit
 
on
 
disposal
 
of
 
£45m,
 
£13m,
 
£57m
 
and
 
£11m.
 
Barclays
 
Bank
 
PLC
 
considers
 
the
 
carrying
 
value
 
of
 
its
 
investment
 
in
 
subsidiaries
 
to
 
be
 
fully
 
recoverable
 
.
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
Other
 
Information
 
 
 
 
 
Barclays
 
Bank
 
PLC
 
45
 
 
Results
 
timetable
1
Date
2020
 
Annual
 
Report
11
 
February
 
2021
%
 
Change
3
Exchange
 
rates
2
30.06.20
31.12.19
30.06.19
31.12.19
30.06.19
Period
 
end
 
-
 
USD/GBP
1.24
1.33
1.27
(7%)
(2%)
6
 
month
 
average
 
-
 
USD/GBP
1.26
1.26
1.29
-
(2%)
3
 
month
 
average
 
-
 
USD/GBP
1.24
1.29
1.29
(4%)
(4%)
Period
 
end
 
-
 
EUR/GBP
1.10
1.18
1.12
(7%)
(2%)
6
 
month
 
average
 
-
 
EUR/GBP
1.14
1.14
1.15
-
(1%)
3
 
month
 
average
 
-
 
EUR/GBP
1.13
1.16
1.14
(3%)
(1%)
For
 
further
 
information
 
please
 
contact
Investor
 
relations
Media
 
relations
Chris
 
Manners
 
+44
 
(0)
 
20
 
7773
 
2136
Thomas
 
Hoskin
 
+44
 
(0)
 
20
 
7116
 
4755
More
 
information
 
on
 
Barclays
 
Bank
 
PLC
 
can
 
be
 
found
 
on
 
our
 
website:
 
home.barclays.
Registered
 
office
1
 
Churchill
 
Place,
 
London,
 
E14
 
5HP,
 
United
 
Kingdom.
 
Tel:
 
+44
 
(0)
 
20
 
7116
 
1000.
 
Company
 
number:
 
1026167.
1
 
Note
 
that
 
this
 
date
 
is
 
provisional
 
and
 
subject
 
to
 
change
 
.
2
 
The
 
average
 
rates
 
shown
 
above
 
are
 
derived
 
from
 
daily
 
spot
 
rates
 
during
 
the
 
year.
3
 
The
 
change
 
is
 
the
 
impact
 
to
 
GBP
 
reported
 
information.
 
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
46
 
 
‘A
 
-IRB’
 
/
 
‘Advanced
 
-Internal
 
Ratings
 
Based’
 
See
 
‘Internal
 
Ratings
 
Based
 
(IRB)’.
 
‘Acceptances
 
and
 
endorsements’
 
An
 
acceptance
 
is
 
an
 
undertaking
 
by
 
a
 
bank
 
to
 
pay
 
a
 
bill
 
of
 
exchange
 
drawn
 
on
 
a
 
customer.
 
The
Barclays
 
Bank
 
Group
 
expects
 
most
 
acceptances
 
to
 
be
 
presented,
 
but
 
reimbursement
 
by
 
the
 
customer
 
is
 
normally
 
immediate.
Endorsements
 
are
 
residual
 
liabilities
 
of
 
the
 
Barclays
 
Bank
 
Group
 
in
 
respect
 
of
 
bills
 
of
 
exchange
 
which
 
have
 
been
 
paid
 
and
subsequently
 
rediscounted.
 
‘Additional
 
Tier
 
1
 
(AT1)
 
capital’
 
AT1
 
capital
 
largely
 
comprises
 
eligible
 
non-common
 
equity
 
capital
 
securities
 
and
 
any
 
related
 
share
 
premium.
 
‘Additi
 
onal
 
Tier
 
1
 
(AT1)
 
securities’
 
Non-common
 
equity
 
securities
 
that
 
are
 
eligible
 
as
 
AT1
 
capital.
 
 
‘Advanced
 
Measurement
 
Approach
 
(AMA)’
 
Under
 
the
 
AMA,
 
banks
 
are
 
allowed
 
to
 
develop
 
their
 
own
 
empirical
 
model
 
to
 
quantify
required
 
capital
 
for
 
operational
 
risk.
 
Banks
 
can
 
only
 
use
 
this
 
approach
 
subject
 
to
 
approval
 
from
 
their
 
local
 
regulators.
 
‘Agencies’
 
Bonds
 
issued
 
by
 
state
 
and
 
/
 
or
 
governmen
 
t
 
agencies
 
or
 
government
 
-
 
sponsored
 
entities.
 
‘Agency
 
Mortgage
 
-Backed
 
Securities’
 
Mortgage
 
-Backed
 
Securities
 
issued
 
by
 
government
 
-sponsored
 
entities.
 
‘All
 
price
 
risk
 
(APR)’
An
 
estimate
 
of
 
all
 
the
 
material
 
market
 
risks,
 
including
 
rating
 
migration
 
and
 
defaul
 
t
 
for
 
the
 
correlation
 
trading
portfolio.
‘American
 
Depository
 
Receipts
 
(ADR)’
A
 
negotiable
 
certificate
 
that
 
represents
 
the
 
ownership
 
of
 
shares
 
in
 
a
 
non-US
 
company
 
(for
example
 
Barclays)
 
trading
 
in
 
US
 
financial
 
markets.
 
‘Americas’
 
Geographic
 
segment
 
comprising
 
the
 
US,
 
Canada
 
and
 
countries
 
where
 
Barclays
 
Bank
 
Group
 
operates
 
within
 
Latin
America.
‘Annual
 
Earnings
 
at
 
Risk
 
(AEaR)’
 
A
 
measure
 
of
 
the
 
potential
 
change
 
in
 
Net
 
Interest
 
Income
 
(NII)
 
due
 
to
 
an
 
interest
 
rate
 
movement
over
 
a
 
one-year
 
period.
‘Annualised
 
cumulative
 
weighted
 
average
 
lifetime
 
PD’
 
The
 
probability
 
of
 
default
 
over
 
the
 
remaining
 
life
 
of
 
the
 
asset,
 
expressed
 
as
an
 
annual
 
rate,
 
reflecting
 
a
 
range
 
of
 
possible
 
economic
 
scenarios.
‘Application
 
scorecards’
Algorithm
 
based
 
decision
 
tools
 
used
 
to
 
aid
 
business
 
decisions
 
and
 
manage
 
credit
 
risk
 
based
 
on
 
available
customer
 
data
 
at
 
the
 
point
 
of
 
application
 
for
 
a
 
product.
 
‘Arrears’
 
Customers
 
are
 
said
 
to
 
be
 
in
 
arrears
 
when
 
they
 
are
 
behind
 
in
 
fulfilling
 
their
 
obligations
 
with
 
the
 
result
 
that
 
an
 
outstanding
loan
 
is
 
unpaid
 
or
 
overdue.
 
Such
 
customers
 
are
 
also
 
said
 
to
 
be
 
in
 
a
 
state
 
of
 
delinquency.
 
When
 
a
 
customer
 
is
 
in
 
arrears,
 
their
 
entire
outstanding
 
balance
 
is
 
said
 
to
 
be
 
delinquent,
 
meaning
 
that
 
delinquent
 
balances
 
are
 
the
 
total
 
outstanding
 
loans
 
on
 
which
 
payments
are
 
overdue.
 
‘Asia’
 
Geographic
 
segment
 
comprising
 
countries
 
where
 
Barclays
 
Bank
 
Group
 
operates
 
within
 
Asia
 
and
 
the
 
Middle
 
East.
 
‘Asset
 
Backed
 
Commercial
 
Paper’
 
Typically
 
short-term
 
notes
 
secured
 
on
 
specified
 
assets
 
issued
 
by
 
consolidated
 
special
 
purpose
entities
 
for
 
funding
 
purposes.
 
‘Asset
 
Backed
 
Securities
 
(ABS)’
 
Securities
 
that
 
represent
 
an
 
interest
 
in
 
an
 
underlying
 
pool
 
of
 
referenced
 
assets.
 
The
 
referenced
 
pool
can
 
comprise
 
any
 
assets
 
which
 
attract
 
a
 
set
 
of
 
associated
 
cash
 
flows
 
but
 
are
 
commonly
 
pools
 
of
 
residential
 
or
 
commercial
mortgages
 
and,
 
in
 
the
 
case
 
of
 
Collateralised
 
Debt
 
Obligations
 
(CDOs),
 
the
 
referenced
 
pool
 
may
 
be
 
ABS
 
or
 
other
 
classes
 
of
 
assets.
 
‘Attributable
 
profit’
 
Profit
 
after
 
tax
 
that
 
is
 
attributable
 
to
 
ordinary
 
equity
 
holders
 
of
 
Barclays
 
Bank
 
Group
 
adjusted
 
for
 
the
 
after
 
tax
amounts
 
of
 
capital
 
securities
 
classified
 
as
 
equity.
 
‘Average
 
allocated
 
tangible
 
equity’
Calculated
 
as
 
the
 
average
 
of
 
the
 
previous
 
month’s
 
period
 
end
 
allocated
 
tangible
 
equity
 
and
 
the
current
 
month’s
 
period
 
end
 
allocated
 
tangible
 
equity.
 
The
 
average
 
allocated
 
tangible
 
equity
 
for
 
the
 
period
 
is
 
the
 
average
 
of
 
the
monthly
 
averages
 
within
 
that
 
period.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
47
 
 
‘Average
 
tangible
 
shareholders’
 
equity’
Calculated
 
as
 
the
 
average
 
of
 
the
 
previous
 
month’s
 
period
 
end
 
tangible
 
equity
 
and
 
the
current
 
month’s
 
period
 
end
 
tangible
 
equity.
 
The
 
average
 
tangible
 
shareholders’
 
equity
 
for
 
the
 
period
 
is
 
the
 
average
 
of
 
the
 
monthly
averages
 
within
 
that
 
period.
 
‘Average
 
UK
 
leverage
 
ratio’
 
As
 
per
 
the
 
PRA
 
rulebook,
 
is
 
calculated
 
as
 
the
 
average
 
capital
 
measure
 
based
 
on
 
the
 
last
 
day
 
of
 
each
month
 
in
 
the
 
quarter
 
divided
 
by
 
the
 
average
 
exposure
 
measure
 
for
 
the
 
quarter,
 
where
 
the
 
average
 
exposure
 
is
 
based
 
on
 
each
 
day
in
 
the
 
quarter.
 
‘Back
 
testing’
Includes
 
a
 
number
 
of
 
techniques
 
that
 
assess
 
the
 
continued
 
statistical
 
validity
 
of
 
a
 
model
 
by
 
simulating
 
how
 
the
 
model
would
 
have
 
predicted
 
recent
 
experience.
‘Barclays
 
Africa’
 
or
 
‘Absa’
Barclays
 
Africa
 
Group
 
Limited
 
(now
 
Absa
 
Group
 
Limited),
 
which
 
was
 
previously
 
a
 
subsidiary
 
of
 
the
Barclays
 
Group.
 
Following
 
a
 
sell
 
down
 
of
 
shares
 
resulting
 
in
 
a
 
loss
 
of
 
control,
 
the
 
Barclays
 
Group’s
 
shareholding
 
in
 
Absa
 
Group
Limited
 
is
 
now
 
classified
 
as
 
a
 
financial
 
asset
 
at
 
fair
 
value
 
through
 
other
 
comprehensive
 
income.
‘Balance
 
weighted
 
Loan
 
to
 
Value
 
(LTV)
 
ratio’
 
In
 
the
 
context
 
of
 
the
 
credit
 
risk
 
disclosures
 
on
 
secured
 
home
 
loans,
 
a
 
means
 
of
calculating
 
marked
 
to
 
market
 
LTVs
 
derived
 
by
 
calculating
 
individual
 
LTVs
 
at
 
account
 
level
 
and
 
weighting
 
it
 
by
 
the
 
balances
 
to
 
arrive
at
 
the
 
average
 
position.
 
Balance
 
weighted
 
loan
 
to
 
value
 
is
 
calculated
 
using
 
the
 
following
 
formula:
 
LTV
 
=
 
((loan
 
balance
 
1
 
x
 
MTM
LTV%
 
for
 
loan
 
1)
 
+
 
(loan
 
balance
 
2
 
x
 
MTM
 
LTV%
 
for
 
loan
 
2)
 
+
 
...)
 
/
 
total
 
outstandings
 
in
 
portfolio.
‘Barclaycard’
 
An
 
international
 
consumer
 
payments
 
business
 
serving
 
the
 
needs
 
of
 
businesses
 
and
 
consumers
 
through
 
credit
 
cards,
consumer
 
lending,
 
merchant
 
acquiring,
 
commercial
 
cards
 
and
 
point
 
of
 
sale
 
finance.
 
Barclaycard
 
has
 
scaled
 
operations
 
in
 
the
 
UK,
 
US,
Germany
 
and
 
Scandinavia.
 
‘Barclaycard
 
Consumer
 
UK’
 
The
 
UK
 
Barclaycard
 
business.
‘Barclays’
 
or
 
’Barclays
 
Group’
 
Barclays
 
PLC,
 
together
 
with
 
its
 
subsidiaries.
 
‘Barclays
 
Bank
 
Group’
 
Barclays
 
Bank
 
PLC,
 
together
 
with
 
its
 
subsidiaries.
 
‘Barclays
 
Bank
 
UK
 
Group’
 
Barclays
 
Bank
 
UK
 
PLC,
 
together
 
with
 
its
 
subsidiaries.
 
‘Barclays
 
Bank
 
Group
 
Operating
 
businesses’
The
 
core
 
Barclays
 
Bank
 
Group
 
businesses
 
operated
 
by
 
Corporate
 
and
 
Investment
 
Bank
(which
 
include
 
the
 
the
 
large
 
UK
 
Corporate
 
business;
 
the
 
international
 
Corporate
 
and
 
the
 
Investment
 
Bank)
 
and
 
Consumer,
 
Cards
and
 
Payments
 
(the
 
Private
 
Bank
 
businesses;
 
the
 
international
 
Barclaycard
 
business;
 
and
 
payments).
‘Barclays
 
Execution
 
Services’
 
or
 
‘BX’
 
or
 
‘BSerL’
 
or
 
‘Group
 
Service
 
Company’
Barclays
 
Execution
 
Services
 
Limited,
 
the
 
Barclays
 
Group
services
 
company
 
set
 
up
 
to
 
provide
 
services
 
to
 
Barclays
 
UK
 
and
 
Barclays
 
International
 
to
 
deliver
 
operational
 
continuity.
 
‘Barclays
 
International’
The
 
segment
 
of
 
Barclays
 
Bank
 
held
 
by
 
Barclays
 
Bank
 
PLC.
 
The
 
division
 
includes
 
the
 
large
 
UK
 
Corporate
business;
 
the
 
international
 
Corporate
 
and
 
Private
 
Bank
 
businesses;
 
the
 
Investment
 
Bank;
 
the
 
international
 
Barclaycard
 
business;
and
 
payments.
‘Barclays
 
UK’
The
 
segment
 
of
 
Barclays
 
held
 
by
 
Barclays
 
Bank
 
UK
 
PLC.
 
The
 
division
 
includes
 
the
 
UK
 
Personal
 
banking;
 
UK
 
business
banking
 
and
 
the
 
Barclaycard
 
consumer
 
UK
 
businesses.
 
‘Basel
 
3’
 
The
 
third
 
of
 
the
 
Basel
 
Accords,
 
setting
 
minimum
 
requirements
 
and
 
standards
 
that
 
apply
 
to
 
internationally
 
active
 
banks.
 
Basel
 
3
 
is
 
a
 
set
 
of
 
measures
 
developed
 
by
 
the
 
Basel
 
Committee
 
on
 
Banking
 
Supervision
 
aiming
 
to
 
strengthen
 
the
 
regulation,
supervision
 
and
 
risk
 
management
 
of
 
banks.
‘Basel
 
Committee
 
of
 
Banking
 
Supervision
 
(BCBS
 
or
 
The
 
Basel
 
Committee)’
 
A
 
forum
 
for
 
regular
 
cooperation
 
on
 
banking
 
supervisory
matters
 
which
 
develops
 
global
 
supervisory
 
standards
 
for
 
the
 
banking
 
industry.
 
Its
 
45
 
members
 
are
 
officials
 
from
 
central
 
banks
 
or
prudential
 
supervisors
 
from
 
28
 
jurisdictions.
 
‘Basic
 
Indicator
 
Approach
 
(BIA)’
Under
 
the
 
BIA,
 
banks
 
are
 
required
 
to
 
hold
 
regulatory
 
capital
 
for
 
operational
 
risk
 
equal
 
to
 
15%
 
of
 
the
annual
 
average,
 
calculated
 
over
 
a
 
rolling
 
three-year
 
period,
 
of
 
the
 
relevant
 
income
 
indicator
 
for
 
the
 
bank
 
as
 
whole.
‘Basis
 
point(s)’
 
/
 
‘bp(s)’
 
One
 
hundredth
 
of
 
a
 
per
 
cent
 
(0.01%);
 
100
 
basis
 
points
 
is
 
1%.
 
The
 
measure
 
is
 
used
 
in
 
quoting
 
movements
 
in
interest
 
rates,
 
yields
 
on
 
securities
 
and
 
for
 
other
 
purposes.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
48
 
 
‘Basis
 
risk’
 
Index/Tenor
 
risk,
 
that
 
arises
 
when
 
floating
 
rate
 
products
 
are
 
linked
 
to
 
different
 
interest
 
rate
 
indices,
 
which
 
are
imperfectly
 
correlated,
 
especially
 
under
 
stressed
 
market
 
conditions.
‘Behavioural
 
scorecards’
Algorithm
 
based
 
decision
 
tools
 
used
 
to
 
aid
 
business
 
decisions
 
and
 
manage
 
credit
 
risk
 
based
 
on
 
existing
customer
 
data
 
derived
 
from
 
account
 
usage.
‘Book
 
quality’
In
 
the
 
context
 
of
 
the
 
Capital
 
Risk
 
section,
 
changes
 
in
 
RWAs
 
caused
 
by
 
factors
 
such
 
as
 
underlying
 
customer
 
behaviour
or
 
demographics
 
leading
 
to
 
changes
 
in
 
risk
 
profile.
‘Book
 
size’
In
 
the
 
con
 
text
 
of
 
the
 
Capital
 
Risk
 
section
,
 
changes
 
in
 
RWAs
 
driven
 
by
 
business
 
activity,
 
including
 
net
 
originations
 
or
repayments
 
.
 
‘Bounce
 
Back
 
Loan
 
Scheme
 
(BBLS)’
A
 
government
 
(British
 
Business
 
Bank)
 
backed
 
loan
 
scheme
 
which
 
allows
 
small
 
and
 
medium-
 
sized
businesses
 
to
 
borrow
 
between
 
£2,000
 
and
 
£50,000.
 
The
 
UK
 
government
 
guarantees
 
100%
 
of
 
the
 
loan
 
and
 
pays
 
the
 
first
 
12
 
months
of
 
interest
 
on
 
behalf
 
of
 
the
 
borrowers,
 
subject
 
to
 
terms
 
and
 
conditions.
‘Business
 
Banking’
 
Offers
 
specialist
 
advice,
 
products
 
and
 
services
 
to
 
small
 
and
 
medium
 
enterprises
 
in
 
the
 
UK.
 
‘Business
 
scenario
 
stresses’
 
Multi
 
asset
 
scenario
 
analysis
 
of
 
extreme,
 
but
 
plausible
 
events
 
that
 
may
 
impact
 
the
 
market
 
risk
exposures
 
of
 
the
 
Investment
 
Bank.
 
‘Buy
 
to
 
let
 
mortgage’
A
 
mortgage
 
where
 
the
 
intention
 
of
 
the
 
customer
 
(investor)
 
was
 
to
 
let
 
the
 
property
 
at
 
origination.
‘Capital
 
Conservation
 
Buffer
 
(CCB)’
A
 
capital
 
buffer
 
of
 
2.5%
 
of
 
a
 
bank’s
 
total
 
exposures
 
that
 
needs
 
to
 
be
 
met
 
with
 
an
 
additional
amount
 
of
 
Common
 
Equity
 
Tier
 
1
 
capital
 
above
 
the
 
4.5%
 
minimum
 
requirement
 
for
 
Common
 
Equity
 
Tier
 
1
 
set
 
out
 
in
 
CRR.
 
Its
objective
 
is
 
to
 
conserve
 
a
 
bank’s
 
capital
 
by
 
ensuring
 
that
 
banks
 
build
 
up
 
surplus
 
capital
 
outside
 
periods
 
of
 
stress
 
which
 
can
 
be
drawn
 
down
 
if
 
losses
 
are
 
incurred.
 
‘Capital
 
ratios’
 
Key
 
financial
 
ratios
 
measuring
 
the
 
Bank's
 
capital
 
adequacy
 
or
 
financial
 
strength
 
expressed
 
as
 
a
 
percentage
 
of
 
RWAs.
 
‘Capital
 
Requirements
 
Directive
 
(CRD)’
Directive
 
2013/36/EU,
 
a
 
component
 
of
 
the
 
CRD
 
IV
 
package
 
which
 
accompanies
 
the
 
Capital
Requirements
 
Regulation
 
and
 
sets
 
out
 
macroprudential
 
standards
 
including
 
the
 
countercyclical
 
capital
 
buffer
 
and
 
capital
 
buffers
 
for
systemically
 
important
 
institutions.
 
Directive
 
(EU)
 
2019/878,
 
published
 
as
 
part
 
of
 
the
 
EU
 
Risk
 
Reduction
 
Measure
 
package
 
amends
CRD.
 
These
 
amendments
 
enter
 
into
 
force
 
from
 
27
 
June
 
2019,
 
with
 
EU
 
member
 
states
 
required
 
to
 
adopt
 
the
 
measures
 
within
 
the
Directive
 
by
 
28
 
December
 
2020.
 
‘Capital
 
Requirements
 
Regulation
 
(CRR)’
Regulation
 
(EU)
 
No
 
575/2013,
 
a
 
component
 
of
 
the
 
CRD
 
IV
 
package
 
which
 
accompanies
 
the
Capital
 
Requirements
 
Direct
 
ive
 
and
 
sets
 
out
 
detailed
 
rules
 
for
 
capital
 
eligibility,
 
the
 
calculation
 
of
 
RWAs,
 
the
 
measurement
 
of
leverage,
 
the
 
management
 
of
 
large
 
exposures
 
and
 
minimum
 
standards
 
for
 
liquidity.
 
Between
 
27
 
June
 
2019
 
and
 
28
 
June
 
2023,
 
this
regulation
 
will
 
be
 
amended
 
in
 
line
 
with
 
the
 
requirements
 
of
 
amending
 
Regulation
 
(EU)
 
2019/876
 
(CRR
 
II).
 
‘Capital
 
Requirements
 
Regulation
 
II
 
(CRR
 
II)’
Regulation
 
(EU)
 
2019/876,
 
amending
 
Regulation
 
(EU)
 
No
 
575/2013
 
(CRR).
 
This
 
is
 
a
component
 
of
 
the
 
EU
 
Risk
 
Reduction
 
Measure
 
package.
 
The
 
requirements
 
set
 
out
 
in
 
CRR
 
II
 
will
 
be
 
introduced
 
between
 
27
 
June
2019
 
and
 
28
 
June
 
2023.
‘Capital
 
requirements
 
on
 
the
 
underlying
 
exposures
 
(KIRB)’
An
 
approach
 
available
 
to
 
banks
 
when
 
calculating
 
RWAs
 
for
 
securitisation
exposures.
 
This
 
is
 
based
 
upon
 
the
 
RWA
 
amounts
 
that
 
would
 
be
 
calculated
 
under
 
the
 
IRB
 
approach
 
for
 
the
 
underlying
 
pool
 
of
securitised
 
exposures
 
in
 
the
 
program,
 
had
 
such
 
exposures
 
not
 
been
 
securitised.
‘Capital
 
resources’
 
Common
 
Equity
 
Tier
 
1,
 
Additional
 
Tier
 
1
 
and
 
Tier
 
2
 
capital
 
that
 
are
 
eligible
 
to
 
satisfy
 
capital
 
requirements
 
under
CRD.
 
Referred
 
to
 
as
 
‘own
 
funds’
 
within
 
EU
 
regulatory
 
texts.
 
‘Capital
 
risk’
 
The
 
risk
 
that
 
the
 
Barclays
 
Bank
 
Group
 
has
 
an
 
insufficient
 
level
 
or
 
composition
 
of
 
capital
 
to
 
support
 
its
 
normal
 
business
activities
 
and
 
to
 
meet
 
its
 
regulatory
 
capital
 
requirements
 
under
 
normal
 
operating
 
environments
 
or
 
stressed
 
conditions
 
(both
 
actual
and
 
as
 
defined
 
for
 
internal
 
planning
 
or
 
regulatory
 
testing
 
purposes).
 
This
 
includes
 
the
 
risk
 
from
 
the
 
Barclays
 
Bank
 
Group’s
 
pension
plans.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
49
 
 
‘Central
 
Counterparty’
 
/
 
‘Central
 
Clearing
 
Counterparties
 
(CCPs)’
 
A
 
clearing
 
house
 
mediating
 
between
 
the
 
buyer
 
and
 
the
 
seller
 
in
 
a
financial
 
transaction,
 
such
 
as
 
a
 
derivative
 
contract
 
or
 
repurchase
 
agreement
 
(repo).
 
Where
 
a
 
central
 
counterparty
 
is
 
used,
 
a
 
single
bi-lateral
 
contract
 
between
 
the
 
buyer
 
and
 
seller
 
is
 
replaced
 
with
 
two
 
contracts,
 
one
 
between
 
the
 
buyer
 
and
 
the
 
CCP
 
and
 
one
between
 
the
 
CCP
 
and
 
the
 
seller.
 
The
 
use
 
of
 
CCPs
 
allows
 
for
 
greater
 
oversight
 
and
 
improved
 
credit
 
risk
 
mitigation
 
in
 
over
 
-the-
counter
 
(OTC)
 
markets.
 
‘Charge
 
-off’
 
In
 
the
 
re
 
tail
 
segment
 
this
 
refers
 
to
 
the
 
point
 
in
 
time
 
when
 
collections
 
activity
 
changes
 
from
 
the
 
collection
 
of
 
arrears
 
to
the
 
recovery
 
of
 
the
 
full
 
balance.
 
This
 
is
 
normally
 
when
 
six
 
payments
 
are
 
in
 
arrears.
 
‘Client
 
Assets’
Assets
 
managed
 
or
 
administered
 
by
 
Barcla
 
ys
 
Bank
 
Group
 
on
 
behalf
 
of
 
clients
 
including
 
assets
 
under
 
management
(AUM),
 
custody
 
assets,
 
assets
 
under
 
administration
 
and
 
client
 
deposits.
‘CLOs
 
and
 
Other
 
insured
 
assets’
 
Highly
 
rated
 
CLO
 
positions
 
wrapped
 
by
 
monolines,
 
non-CLOs
 
wrapped
 
by
 
monolines
 
and
 
other
assets
 
wrapped
 
with
 
Credit
 
Support
 
Annex
 
(CSA)
 
protection.
‘Collateralised
 
Debt
 
Obligation
 
(CDO)’
 
Securities
 
issued
 
by
 
a
 
third
 
party
 
which
 
reference
 
Asset
 
Backed
 
Securities
 
(ABSs)
 
(defined
above)
 
and/or
 
certain
 
other
 
related
 
assets
 
purchased
 
by
 
the
 
issuer.
 
CDOs
 
may
 
feature
 
exposure
 
to
 
sub-prime
 
mortgage
 
assets
through
 
the
 
underlying
 
assets.
 
‘Collateralised
 
Loan
 
Obligation
 
(CLO)’
 
A
 
security
 
backed
 
by
 
the
 
repayments
 
from
 
a
 
pool
 
of
 
commercial
 
loans.
 
The
 
payments
 
may
 
be
made
 
to
 
different
 
classes
 
of
 
owners
 
(in
 
tranches).
 
‘Collateralised
 
Mortgage
 
Obligation
 
(CMO)’
 
A
 
type
 
of
 
security
 
backed
 
by
 
mortgages.
 
A
 
special
 
purpose
 
entity
 
receives
 
income
 
from
the
 
mortgages
 
and
 
passes
 
them
 
on
 
to
 
investors
 
of
 
the
 
security.
‘Combined
 
Buffer
 
Requirement’
In
 
the
 
context
 
of
 
the
 
CRD
 
capital
 
obligations,
 
the
 
combined
 
requirements
 
of
 
the
 
Capital
Conservation
 
Buffer,
 
the
 
GSII
 
Buffer,
 
the
 
OSII
 
buffer,
 
the
 
Systemic
 
Risk
 
buffer
 
and
 
an
 
institution
 
specific
 
counter
 
-cyclical
 
buffer.
‘Commercial
 
paper
 
(CP)’
 
Short-term
 
notes
 
issued
 
by
 
entities,
 
including
 
banks,
 
for
 
funding
 
purposes.
 
‘Commercia
 
l
 
real
 
estate
 
(CRE)’
Commercial
 
real
 
estate
 
includes
 
office
 
buildings,
 
industrial
 
property,
 
medical
 
centres,
 
hotels,
 
retail
stores,
 
shopping
 
centres,
 
farm
 
land,
 
multifamily
 
housing
 
buildings,
 
warehouses,
 
garages,
 
and
 
industrial
 
properties
 
and
 
other
 
similar
properties.
 
Commercial
 
real
 
estate
 
loans
 
are
 
loans
 
backed
 
by
 
a
 
package
 
of
 
commercial
 
real
 
estate.
 
Note:
 
for
 
the
 
purposes
 
of
 
the
Credit
 
Risk
 
section,
 
the
 
UK
 
CRE
 
portfolio
 
includes
 
property
 
investment,
 
development,
 
trading
 
and
 
housebuilders
 
but
 
excludes
 
social
housing
 
contractors.
‘Commissions
 
and
 
other
 
incentives’
 
Includes
 
commission-based
 
arrangements,
 
guaranteed
 
incentives
 
and
 
Long
 
Term
 
Incentive
 
Plan
awards.
 
‘Committee
 
of
 
Sponsoring
 
Organisations
 
of
 
the
 
Treadway
 
Commission
 
Framework
 
(COSO)’
A
 
joint
 
initiative
 
of
 
five
 
private
 
sector
organisations
 
dedicated
 
to
 
the
 
development
 
of
 
frameworks
 
and
 
providing
 
guidance
 
on
 
enterprise
 
risk
 
management,
 
internal
control
 
and
 
fraud
 
deterrence.
‘Commodity
 
derivatives’
 
Exchange
 
traded
 
and
 
over
 
-the-counter
 
(OTC)
 
derivatives
 
based
 
on
 
an
 
underlying
 
commodity
 
(e.g.
 
metals,
precious
 
metals,
 
oil
 
and
 
oil
 
related,
 
power
 
and
 
natural
 
gas).
 
‘Commodity
 
risk’
 
Measures
 
the
 
impact
 
of
 
changes
 
in
 
commodity
 
prices
 
and
 
volatilities,
 
including
 
the
 
basis
 
between
 
related
commodities
 
(e.g.
 
Brent
 
vs.
 
WTI
 
crude
 
prices).
 
‘Common
 
Equity
 
Tier
 
1
 
(CET1)
 
capital’
 
The
 
highest
 
quality
 
form
 
of
 
regulatory
 
capital
 
under
 
CRR
 
that
 
comprises
 
common
 
shares
issued
 
and
 
related
 
share
 
premium,
 
retained
 
earnings
 
and
 
other
 
reserves,
 
less
 
specified
 
regulatory
 
adjustments.
‘Common
 
Equity
 
Tier
 
1
 
(CET1)
 
ratio’
 
A
 
measure
 
of
 
Common
 
Equity
 
Tier
 
1
 
capital
 
expressed
 
as
 
a
 
percentage
 
of
 
RWAs.
‘Compensation:
 
income
 
ratio’
The
 
ratio
 
of
 
compensation
 
expense
 
over
 
total
 
income.
 
Compensation
 
represents
 
total
 
staff
 
costs
 
less
non-compensation
 
items
 
consisting
 
of
 
outsourcing,
 
staff
 
training,
 
redundancy
 
costs
 
and
 
retirement
 
costs.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
50
 
 
‘
Comprehensive
 
Capital
 
Analysis
 
and
 
Review
 
(CCAR)’
An
 
annual
 
exercise,
 
required
 
by
 
and
 
evaluated
 
by
 
the
 
Federal
 
Reserve,
through
 
which
 
the
 
largest
 
bank
 
holding
 
companies
 
operating
 
in
 
the
 
US
 
assess
 
whether
 
they
 
have
 
sufficient
 
capital
 
to
 
continue
operations
 
through
 
periods
 
of
 
economic
 
and
 
financial
 
stress
 
and
 
have
 
robust
 
capital
 
-planning
 
processes
 
that
 
account
 
for
 
their
unique
 
risks.
‘Comprehensive
 
Risk
 
Measure
 
(CRM)’
An
 
estimate
 
of
 
all
 
the
 
material
 
market
 
risks,
 
including
 
rating
 
migration
 
and
 
default
 
for
 
the
correlation
 
trading
 
portfolio.
 
Also
 
referred
 
to
 
as
 
All
 
Price
 
Risk
 
(APR)
 
and
 
Comprehensive
 
Risk
 
Capital
 
Charge
 
(CRCC).
‘Conduct
 
risk’
 
The
 
risk
 
of
 
detriment
 
to
 
customers,
 
clients,
 
market
 
integrity,
 
competition
 
or
 
Barclays
 
Bank
 
Group
 
from
 
the
inappropriate
 
supply
 
of
 
financial
 
services,
 
including
 
instances
 
of
 
wilful
 
or
 
negligent
 
misconduct.
‘Constant
 
Currency
 
Basis’
Excluding
 
the
 
impact
 
of
 
foreign
 
currency
 
conversion
 
to
 
GBP
 
when
 
comparing
 
financial
 
results
 
in
 
two
different
 
financial
 
periods.
‘Consumer,
 
Cards
 
and
 
Payments’
Barclays
 
US
 
Consumer
 
Bank,
 
Barclaycard
 
Germany,
 
Barclaycard
 
Commercial
 
Payments,
Barclaycard
 
Payment
 
Solutions
 
(including
 
merchant
 
acquiring)
 
and
 
the
 
international
 
Wealth
 
business.
‘Contingent
 
capital
 
notes
 
(CCNs)’
 
Interest
 
bearing
 
debt
 
securities
 
issued
 
by
 
Barclays
 
Bank
 
Group
 
or
 
its
 
subsidiaries
 
that
 
are
 
either
permanently
 
written
 
off
 
or
 
converted
 
into
 
an
 
equity
 
instrument
 
from
 
the
 
issuer's
 
perspective
 
in
 
the
 
event
 
of
 
the
 
Common
 
Equity
Tier
 
1
 
(CET1)
 
ratio
 
of
 
the
 
relevant
 
Barclays
 
Bank
 
Group
 
entity
 
falling
 
below
 
a
 
specific
 
level,
 
or
 
at
 
the
 
direction
 
of
 
regulators.
 
 
‘Conversion
 
Trigger’
Used
 
in
 
the
 
context
 
of
 
Contingent
 
Capital
 
Notes
 
and
 
AT1
 
securities.
 
A
 
capital
 
adequacy
 
trigger
 
event
 
occurs
when
 
the
 
CET1
 
ratio
 
of
 
the
 
bank
 
falls
 
below
 
a
 
certain
 
level
 
(the
 
trigger)
 
as
 
defined
 
in
 
the
 
Terms
 
&
 
Conditions
 
of
 
the
 
instruments
issued.
 
See
 
‘Contingent
 
capital
 
notes’.
‘Coronavirus
 
Business
 
Interr
 
uption
 
Loan
 
Scheme
 
(CBILS)’
A
 
loan
 
scheme
 
by
 
the
 
British
 
Business
 
Bank
 
(BBB)
 
to
 
support
 
UK
 
based
small
 
and
 
medium-
 
sized
 
businesses
 
(turnover
 
of
 
up
 
to
 
£45
 
million)
 
adversely
 
impacted
 
by
 
COVID
 
-19,
 
.
 
The
 
CBILS
 
scheme
 
provides
loans
 
up
 
to
 
£5
 
million
 
which
 
are
 
backed
 
by
 
an
 
80%
 
government
 
(BBB)
 
guarantee.
 
The
 
UK
 
government
 
will
 
pay
 
interest
 
and
 
fees
 
for
the
 
first
 
12
 
months
 
on
 
behalf
 
of
 
the
 
borrowers,
 
subject
 
to
 
terms
 
and
 
conditions.
 
Coronavirus
 
Large
 
Business
 
Interruption
 
Loan
 
Scheme
 
(CLBILS)’
A
 
loan
 
scheme
 
by
 
the
 
British
 
Business
 
Bank
 
(BBB)
 
to
 
support
 
UK
based
 
medium-sized
 
businesses
 
(turnover
 
above
 
£45
 
million,
 
but
 
with
 
no
 
access
 
to
 
CCFF)
 
adversely
 
impacted
 
by
 
COVID
 
-19,
 
The
CBILS
 
scheme
 
provides
 
loans
 
up
 
to
 
£50
 
million
 
which
 
are
 
backed
 
by
 
an
 
80%
 
government
 
(BBB)
 
guarantee.
 
‘Corporate
 
and
 
Investment
 
Bank
 
(CIB)’
Barclays
 
Bank
 
Corporate
 
and
 
Investment
 
Bank
 
businesses.
 
‘Correlation
 
risk’
 
Refers
 
to
 
the
 
change
 
in
 
marked
 
to
 
market
 
value
 
of
 
a
 
security
 
when
 
the
 
correlation
 
between
 
the
 
underlying
 
assets
changes
 
over
 
time.
‘Cost:
 
income
 
ratio’
 
Total
 
operating
 
expenses
 
divided
 
by
 
total
 
income.
 
‘Cost
 
of
 
Equity’
 
The
 
rate
 
of
 
return
 
targeted
 
by
 
the
 
equity
 
holders
 
of
 
a
 
company.
 
‘Cost:
 
income
 
jaws’
 
Relationship
 
of
 
the
 
percentage
 
change
 
movement
 
in
 
operating
 
expenses
 
relative
 
to
 
total
 
income.
‘Countercyclical
 
Capital
 
Buffer
 
(CCyB)’
An
 
additional
 
buffer
 
introduced
 
as
 
part
 
of
 
the
 
CRD
 
IV
 
package
 
that
 
requires
 
banks
 
to
 
have
 
an
additional
 
cushion
 
of
 
CET
 
1
 
capital
 
with
 
which
 
to
 
absorb
 
potential
 
losses,
 
enhancing
 
their
 
resilience
 
and
 
contributing
 
to
 
a
 
stable
financial
 
system.
 
‘Countercyclical
 
leverage
 
ratio
 
buffer
 
(CCLB)’
A
 
macroprudential
 
buffer
 
that
 
has
 
applied
 
to
 
specific
 
PRA
 
regulated
 
institutions
 
since
2018
 
and
 
is
 
calculated
 
at
 
35%
 
of
 
any
 
risk
 
weighted
 
countercyclical
 
capital
 
buffer
 
set
 
by
 
the
 
Financial
 
Policy
 
Committee
 
(FPC).
 
The
CCLB
 
applies
 
in
 
addition
 
to
 
the
 
minimum
 
of
 
3.25%
 
and
 
any
 
G-SII
 
additional
 
Leverage
 
Ratio
 
Buffer
 
that
 
applies.
‘Counterparty
 
credit
 
risk’
 
The
 
risk
 
related
 
to
 
a
 
counterparty
 
defaulting
 
before
 
the
 
final
 
settlement
 
of
 
a
 
transaction’s
 
cash
 
flows.
 
In
the
 
context
 
of
 
RWAs,
 
a
 
component
 
of
 
RWAs
 
that
 
represents
 
the
 
risk
 
of
 
loss
 
in
 
derivatives,
 
repurchase
 
agreements
 
and
 
similar
transactions
 
resulting
 
from
 
the
 
default
 
of
 
the
 
counterparty.
‘Coverage
 
ratio’
 
This
 
represents
 
the
 
percentage
 
of
 
impairment
 
allowance
 
reserve
 
against
 
the
 
gross
 
exposure.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
51
 
 
‘Covered
 
bonds’
 
Debt
 
securities
 
backed
 
by
 
a
 
portfolio
 
of
 
mortgages
 
that
 
are
 
segregated
 
from
 
the
 
issuer’s
 
other
 
assets
 
solely
 
for
 
the
benefit
 
of
 
the
 
holders
 
of
 
the
 
covered
 
bonds.
 
‘Covid
 
Corporate
 
Finance
 
Facility
 
(CCFF)’:
 
Bank
 
of
 
England
 
(BOE)
 
scheme
 
to
 
support
 
liquidity
 
among
 
larger
 
investment
 
grade
 
firms
which
 
make
 
a
 
material
 
UK
 
contribution,
 
helping
 
to
 
bridge
 
coronavirus
 
disruption
 
to
 
their
 
cash
 
flows.
 
The
 
Bank
 
of
 
England
 
provides
liquidity
 
by
 
purchasing
 
short-term
 
debt
 
in
 
the
 
form
 
of
 
commercial
 
paper
 
from
 
corporates
 
.
 
Barclays
 
Bank
 
Group
 
acts
 
as
 
dealer.
‘CRD
 
IV’
The
 
Fourth
 
Capital
 
Requirements
 
Directive,
 
an
 
EU
 
Directive
 
and
 
an
 
accompanying
 
Regulation
 
(CRR)
 
that
 
together
 
prescribe
EU
 
capital
 
adequacy
 
and
 
liquidity
 
requirements
 
and
 
implements
 
Basel
 
3
 
in
 
the
 
European
 
Union.
‘CRD
 
V’
The
 
Fifth
 
Capital
 
Requirements
 
Directive,
 
comprising
 
an
 
EU
 
amending
 
Directive
 
and
 
an
 
accompanying
 
amending
 
Regulation
(CRR
 
II)
 
that
 
together
 
prescribe
 
EU
 
capital
 
adequacy
 
and
 
liquidity
 
requirements
 
and
 
implements
 
enhanced
 
Basel
 
3
 
proposals
 
in
 
the
European
 
Union.
 
‘Credit
 
conversion
 
factor
 
(CCF)’
Factor
 
used
 
to
 
estimate
 
the
 
risk
 
from
 
off
 
-balance
 
sheet
 
commitments
 
for
 
the
 
purpose
 
of
 
calculating
the
 
total
 
Exposure
 
at
 
Default
 
(EAD)
 
used
 
to
 
calculate
 
RWAs.
‘Credit
 
default
 
swaps
 
(CDS)’
 
A
 
contract
 
under
 
which
 
the
 
protection
 
seller
 
receives
 
premiums
 
or
 
interest
 
-related
 
payments
 
in
 
return
for
 
contracting
 
to
 
make
 
payments
 
to
 
the
 
protection
 
buyer
 
in
 
the
 
event
 
of
 
a
 
defined
 
credit
 
event.
 
Credit
 
events
 
normally
 
include
bankruptcy,
 
payment
 
defau
 
lt
 
on
 
a
 
reference
 
asset
 
or
 
assets,
 
or
 
downgrades
 
by
 
a
 
rating
 
agency.
 
‘Credit
 
derivatives
 
(CDs)’
 
An
 
arrangement
 
whereby
 
the
 
credit
 
risk
 
of
 
an
 
asset
 
(the
 
reference
 
asset)
 
is
 
transferred
 
from
 
the
 
buyer
 
to
the
 
seller
 
of
 
the
 
protection.
 
‘Credit
 
impairment
 
charges’
 
Also
 
known
 
as
 
‘credit
 
impairment’.
 
Impairment
 
charges
 
on
 
loans
 
and
 
advances
 
to
 
customers
 
and
 
banks
and
 
impairment
 
charges
 
on
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
 
assets
 
and
 
reverse
 
repurchase
 
agreements.
 
‘Credit
 
market
 
exposures’
 
Assets
 
and
 
other
 
instruments
 
relating
 
to
 
commercial
 
real
 
estate
 
and
 
leveraged
 
finance
 
businesses
 
that
have
 
been
 
significantly
 
impacted
 
by
 
the
 
deterioration
 
in
 
the
 
global
 
credit
 
markets.
 
The
 
exposures
 
include
 
positions
 
subject
 
to
 
fair
value
 
movements
 
in
 
the
 
Income
 
Statement,
 
positions
 
that
 
are
 
classified
 
as
 
loans
 
and
 
advances
 
and
 
available
 
for
 
sale
 
and
 
other
assets.
‘Credit
 
quality
 
step’
 
In
 
the
 
context
 
of
 
the
 
Standardised
 
Approach
 
to
 
calculating
 
credit
 
risk
 
RWAs,
 
a
 
“credit
 
quality
 
assessment
 
scale”
maps
 
the
 
credit
 
assessments
 
of
 
a
 
recognised
 
credit
 
rating
 
agency
 
or
 
export
 
credit
 
agency
 
to
 
credit
 
quality
 
steps
 
that
 
determine
 
the
risk
 
weight
 
to
 
be
 
applied
 
to
 
an
 
exposure.
 
‘Credit
 
Rating’
An
 
evaluation
 
of
 
the
 
creditworthiness
 
of
 
an
 
entity
 
seeking
 
to
 
enter
 
into
 
a
 
credit
 
agreement.
 
‘Credit
 
risk’
 
The
 
risk
 
of
 
loss
 
to
 
Barclays
 
Bank
 
Group
 
from
 
the
 
failure
 
of
 
clients,
 
custo
 
mers
 
or
 
counterparties,
 
including
 
sovereigns,
 
to
fully
 
honour
 
their
 
obligations
 
to
 
Barclays
 
Bank
 
Group,
 
including
 
the
 
whole
 
and
 
timely
 
payment
 
of
 
principal,
 
interest,
 
collateral
 
and
other
 
receivables.
 
In
 
the
 
context
 
of
 
RWAs,
 
it
 
is
 
the
 
component
 
of
 
RWAs
 
that
 
represents
 
the
 
risk
 
of
 
loss
 
in
 
loans
 
and
 
advances
 
and
similar
 
transactions
 
resulting
 
from
 
the
 
default
 
of
 
the
 
counterparty.
‘Credit
 
risk
 
mitigation’
 
A
 
range
 
of
 
techniques
 
and
 
strategies
 
to
 
actively
 
mitigate
 
credit
 
risks
 
to
 
which
 
the
 
bank
 
is
 
exposed.
 
These
 
can
be
 
broadly
 
divided
 
into
 
three
 
types;
 
collateral,
 
netting
 
and
 
set-off,
 
and
 
risk
 
transfer.
 
‘Credit
 
spread’
 
The
 
premium
 
over
 
the
 
benchmark
 
or
 
risk-free
 
rate
 
required
 
by
 
the
 
market
 
to
 
accept
 
a
 
lower
 
credit
 
quality.
 
‘Credit
 
Valuation
 
Adjustment
 
(CVA)’
 
The
 
difference
 
between
 
the
 
risk-free
 
value
 
of
 
a
 
portfolio
 
of
 
trades
 
and
 
the
 
market
 
value
 
which
takes
 
into
 
account
 
the
 
counterparty’s
 
risk
 
of
 
default.
 
The
 
CVA
 
therefore
 
represents
 
an
 
estimate
 
of
 
the
 
adjustment
 
to
 
fair
 
value
 
that
a
 
market
 
participant
 
would
 
make
 
to
 
incorporate
 
the
 
credit
 
risk
 
of
 
the
 
counterparty
 
due
 
to
 
any
 
failure
 
to
 
perform
 
on
 
contractual
agreements.
 
‘CRR
 
leverage
 
exposure’
 
Is
 
calculated
 
in
 
accordance
 
with
 
article
 
429
 
as
 
per
 
the
 
CRR.
‘CRR
 
leverage
 
ratio’
Is
 
calculated
 
using
 
the
 
CRR
 
definition
 
of
 
Tier
 
1
 
capital
 
for
 
the
 
numerator
 
and
 
the
 
CRR
 
definition
 
of
 
leverage
exposure
 
as
 
the
 
denominator.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
52
 
 
‘Customer
 
assets’
 
Represents
 
loans
 
and
 
advances
 
to
 
customers.
 
Average
 
balances
 
are
 
calculated
 
as
 
the
 
sum
 
of
 
all
 
daily
 
balances
 
for
the
 
year
 
to
 
date
 
divided
 
by
 
number
 
of
 
days
 
in
 
the
 
year
 
to
 
date.
 
‘Customer
 
deposits’
 
In
 
the
 
context
 
of
 
the
 
Liquidity
 
Risk
 
section,
 
money
 
deposited
 
by
 
all
 
individuals
 
and
 
companies
 
that
 
are
 
not
credit
 
institutions.
 
Such
 
funds
 
are
 
recorded
 
as
 
liabilities
 
in
 
the
 
Barclays
 
Bank
 
Group’s
 
balance
 
sheet
 
under
 
deposits
 
at
 
amortised
cost.
 
‘Customer
 
liabilities’
 
See
 
‘Customer
 
deposits’.
 
 
‘Daily
 
Value
 
at
 
Risk
 
(DVaR)’
 
An
 
estimate
 
of
 
the
 
potential
 
loss
 
which
 
might
 
arise
 
from
 
market
 
movements
 
under
 
normal
 
market
conditions,
 
if
 
the
 
current
 
positions
 
were
 
to
 
be
 
held
 
unchanged
 
for
 
one
 
business
 
day,
 
measured
 
to
 
a
 
specified
 
confidence
 
level.
 
‘DBRS’
 
A
 
credit
 
rating
 
agency.
 
‘Debit
 
Valuation
 
Adjustment
 
(DVA)’
 
The
 
opposite
 
of
 
Credit
 
Valuation
 
Adjustment
 
(CVA).
 
It
 
is
 
the
 
difference
 
between
 
the
 
risk-free
value
 
of
 
a
 
portfolio
 
of
 
trades
 
and
 
the
 
market
 
value
 
which
 
takes
 
into
 
account
 
the
 
Barclays
 
Bank
 
Group’s
 
risk
 
of
 
default.
 
The
 
DVA,
therefore,
 
represents
 
an
 
estimate
 
of
 
the
 
adjustment
 
to
 
fair
 
value
 
that
 
a
 
market
 
participant
 
would
 
make
 
to
 
incorporate
 
the
 
credit
risk
 
of
 
the
 
Barclays
 
Bank
 
Group
 
due
 
to
 
any
 
failure
 
to
 
perform
 
on
 
contractual
 
obligations.
 
The
 
DVA
 
decreases
 
the
 
value
 
of
 
a
 
liability
to
 
take
 
into
 
account
 
a
 
reduction
 
in
 
the
 
remaining
 
balance
 
that
 
would
 
be
 
settled
 
should
 
the
 
Barclays
 
Bank
 
Group
 
default
 
or
 
not
perform
 
any
 
contractual
 
obligations.
 
‘Debt
 
buybacks’
 
Purchases
 
of
 
the
 
Barclays
 
Bank
 
Group’s
 
issued
 
debt
 
securities,
 
including
 
equity
 
accounted
 
instruments,
 
leading
 
to
their
 
de-recognition
 
from
 
the
 
balance
 
sheet.
 
‘Debt
 
securities
 
in
 
issue’
 
Transferable
 
securities
 
evidencing
 
indebtedness
 
of
 
the
 
Barclays
 
Bank
 
Group.
 
These
 
are
 
liabilities
 
of
 
the
Barclays
 
Bank
 
Group
 
and
 
include
 
certificates
 
of
 
deposit
 
and
 
commercial
 
paper.
 
‘Default
 
grades’
 
Barclays
 
Bank
 
Group
 
classify
 
ranges
 
of
 
default
 
probabilities
 
into
 
a
 
set
 
of
 
21
 
intervals
 
called
 
default
 
grades,
 
in
 
order
to
 
distinguish
 
differences
 
in
 
the
 
probability
 
of
 
default
 
risk.
‘Default
 
fund
 
contributions’
 
The
 
amount
 
of
 
contribution
 
made
 
by
 
members
 
of
 
a
 
central
 
counterparty
 
(CCP).
 
All
 
members
 
are
required
 
to
 
contribute
 
to
 
this
 
fund
 
in
 
advance
 
of
 
using
 
a
 
CCP.
 
The
 
default
 
fund
 
can
 
be
 
used
 
by
 
the
 
CCP
 
to
 
cover
 
losses
 
incurred
 
by
the
 
CCP
 
where
 
losses
 
are
 
greater
 
than
 
the
 
margins
 
provided
 
by
 
that
 
member.
 
‘Derivatives
 
netting’
 
Adjustments
 
applied
 
across
 
asset
 
and
 
liability
 
mark-to
 
-market
 
derivative
 
positions
 
pursuant
 
to
 
legally
enforceable
 
bilateral
 
netting
 
agreements
 
and
 
eligible
 
cash
 
co
 
llateral
 
received
 
in
 
derivative
 
transactions
 
that
 
meet
 
the
 
requirements
of
 
BCBS
 
270.
‘Diversification
 
effect’
 
Reflects
 
the
 
fact
 
the
 
risk
 
of
 
a
 
diversified
 
portfolio
 
is
 
smaller
 
than
 
the
 
sum
 
of
 
the
 
risks
 
of
 
its
 
constituent
 
parts.
It
 
is
 
measured
 
as
 
the
 
sum
 
of
 
the
 
individual
 
asset
 
class
 
DVaR
 
estimates
 
less
 
the
 
total
 
DVaR.
 
‘Dodd-Frank
 
Act
 
(DFA)’
 
The
 
US
 
Dodd-Frank
 
Wall
 
Street
 
Reform
 
and
 
Consumer
 
Protection
 
Act
 
of
 
2010.
 
‘Economic
 
Value
 
of
 
Equity
 
(EVE)’
 
A
 
measure
 
of
 
the
 
potential
 
change
 
in
 
value
 
of
 
expected
 
future
 
cash
 
flows
 
due
 
to
 
an
 
adverse
interest
 
rate
 
movement,
 
based
 
on
 
existing
 
balance
 
sheet
 
run-off
 
profile.
'Effec
 
tive
 
Expected
 
Positive
 
Exposure
 
(EEPE)'
 
The
 
weighted
 
average
 
over
 
time
 
of
 
effective
 
expected
 
exposure.
 
The
 
weights
 
are
 
the
proportion
 
that
 
an
 
individual
 
exposure
 
represents
 
of
 
the
 
entire
 
exposure
 
horizon
 
time
 
interval.
‘Eligible
 
liabilities’
Liabilities
 
and
 
capital
 
instruments
 
that
 
are
 
eligible
 
to
 
meet
 
MREL
 
that
 
do
 
not
 
already
 
qualify
 
as
 
own
 
funds.
 
‘Encumbrance’
The
 
use
 
of
 
assets
 
to
 
secure
 
liabilities,
 
such
 
as
 
by
 
way
 
of
 
a
 
lien
 
or
 
charge.
 
‘Enterprise
 
Risk
 
Management
 
Framework
 
(ERMF)’
 
Barclays
 
Bank
 
Group
 
risk
 
management
 
responsibilities
 
are
 
laid
 
out
 
in
 
the
Enterprise
 
Risk
 
Management
 
Framework,
 
which
 
describes
 
how
 
Barclays
 
Bank
 
Group
 
identifies
 
and
 
manages
 
risk.
 
The
 
framework
identifies
 
the
 
principal
 
risks
 
faced
 
by
 
the
 
Barclays
 
Bank
 
Gro
 
up;
 
sets
 
out
 
risk
 
appetite
 
requirements;
 
sets
 
out
 
roles
 
and
responsibilities
 
for
 
risk
 
management;
 
and
 
sets
 
out
 
risk
 
committee
 
structure.
‘Equities’
 
Trading
 
businesses
 
encompassing
 
Cash
 
Equities,
 
Equity
 
Derivatives
 
&
 
Equity
 
Financing
 
 
bbplch120p2i0.gif
 
 
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
53
 
 
‘Equity
 
and
 
stock
 
index
 
derivatives’
 
Derivatives
 
whose
 
value
 
is
 
derived
 
from
 
equity
 
securities.
 
This
 
category
 
includes
 
equity
 
and
stock
 
index
 
swaps
 
and
 
options
 
(including
 
warrants,
 
which
 
are
 
equity
 
options
 
listed
 
on
 
an
 
exchange).
 
The
 
Barclays
 
Bank
 
Group
 
also
enters
 
into
 
fund-linked
 
derivatives,
 
being
 
swaps
 
and
 
options
 
whose
 
underlyings
 
include
 
mutual
 
funds,
 
hedge
 
funds,
 
indices
 
and
multi-asset
 
portfolios.
 
An
 
equity
 
swap
 
is
 
an
 
agreement
 
between
 
two
 
parties
 
to
 
exchange
 
periodic
 
payments,
 
based
 
upon
 
a
 
notional
principal
 
amount,
 
with
 
one
 
side
 
paying
 
fixed
 
or
 
floating
 
interest
 
and
 
the
 
other
 
side
 
paying
 
based
 
on
 
the
 
actual
 
return
 
of
 
the
 
stock
 
or
stock
 
index.
 
An
 
equity
 
option
 
provides
 
the
 
buyer
 
with
 
the
 
right,
 
but
 
not
 
the
 
obligation,
 
either
 
to
 
purchase
 
or
 
sell
 
a
 
specified
 
stock,
basket
 
of
 
stocks
 
or
 
stock
 
index
 
at
 
a
 
specified
 
price
 
or
 
level
 
on
 
or
 
before
 
a
 
specified
 
date.
 
‘Equity
 
risk’
 
In
 
the
 
context
 
of
 
trading
 
book
 
capital
 
requirements,
 
the
 
risk
 
of
 
change
 
in
 
market
 
value
 
of
 
an
 
equity
 
investment.
 
‘Equity
 
structural
 
hedge’
 
An
 
interest
 
rate
 
hedge
 
in
 
place
 
to
 
reduce
 
earnings
 
volatility
 
of
 
the
 
overnight
 
/
 
short
 
term
 
equity
investment
 
and
 
to
 
smoothen
 
the
 
income
 
over
 
a
 
medium/long
 
term.
 
‘EU
 
Risk
 
Reduction
 
Measure
 
package’
A
 
collection
 
of
 
amending
 
Regulations
 
and
 
Directives
 
that
 
update
 
core
 
EU
 
regulatory
 
texts
 
and
which
 
came
 
into
 
force
 
on
 
27
 
June
 
2019.
‘Euro
 
Interbank
 
Offered
 
Rate
 
(EURIBOR)’
 
A
 
benchmark
 
interest
 
rate
 
at
 
which
 
banks
 
can
 
borrow
 
funds
 
from
 
other
 
banks
 
in
 
the
European
 
interbank
 
market.
 
‘Europe’
 
Geographic
 
segment
 
comprising
 
countries
 
in
 
which
 
Barclays
 
Bank
 
Group
 
operates
 
within
 
the
 
EU
 
(excluding
 
UK),
 
Northern
Continental
 
and
 
Eastern
 
Europe.
 
‘European
 
Banking
 
Authority
 
(EBA)’
 
The
 
European
 
Banking
 
Authority
 
(EBA)
 
is
 
an
 
independent
 
EU
 
Authority
 
which
 
works
 
to
 
ensure
effective
 
and
 
consistent
 
prudential
 
regulation
 
and
 
supervision
 
across
 
the
 
European
 
banking
 
sector.
 
Its
 
overall
 
objectives
 
are
 
to
maintain
 
financial
 
stability
 
in
 
the
 
EU
 
and
 
to
 
safeguard
 
the
 
integrity,
 
efficiency
 
and
 
orderly
 
functioning
 
of
 
the
 
banking
 
sector.
‘European
 
Securities
 
and
 
Markets
 
Authority
 
(ESMA)’
An
 
independent
 
European
 
Supervisory
 
Authority
 
with
 
the
 
remit
 
of
 
enhancing
the
 
protection
 
of
 
investors
 
and
 
reinforcing
 
stable
 
and
 
well-functioning
 
financial
 
markets
 
in
 
the
 
Euro
 
pean
 
Union.
 
‘Eurozone’
Represents
 
the
 
19
 
European
 
Union
 
countries
 
that
 
have
 
adopted
 
the
 
euro
 
as
 
their
 
common
 
currency.
 
The
 
19
 
countries
are
 
Austria,
 
Belgium,
 
Cyprus,
 
Estonia,
 
Finland,
 
France,
 
Germany,
 
Greece,
 
Ireland,
 
Italy,
 
Latvia,
 
Lithuania,
 
Luxembourg,
 
Malta,
Netherlands,
 
Portugal,
 
Slovakia,
 
Slovenia
 
and
 
Spain.
‘Expected
 
Credit
 
Losses
 
(ECL)’
 
A
 
present
 
value
 
measure
 
of
 
the
 
credit
 
losses
 
expected
 
to
 
result
 
from
 
default
 
events
 
that
 
may
 
occur
during
 
a
 
specified
 
period
 
of
 
time.
 
ECLs
 
must
 
reflect
 
the
 
present
 
value
 
of
 
cash
 
shortfalls,
 
and
 
must
 
reflect
 
the
 
unbiased
 
and
probability
 
weighted
 
assessment
 
of
 
a
 
range
 
of
 
outcomes.
 
‘Expected
 
Losses’
 
A
 
regulatory
 
measure
 
of
 
anticipated
 
losses
 
for
 
exposures
 
captured
 
under
 
an
 
internals
 
ratings
 
based
 
credit
 
risk
approach
 
for
 
capital
 
adequacy
 
calculations.
 
It
 
is
 
measured
 
as
 
the
 
Barclays
 
Bank
 
Group's
 
modelled
 
view
 
of
 
anticipated
 
losses
 
based
on
 
Probability
 
of
 
Default
 
(PD),
 
Loss
 
Given
 
Default
 
(LGD)
 
and
 
Exposure
 
at
 
Default
 
(EAD),
 
with
 
a
 
one-
 
year
 
time
 
horizon.
’Expert
 
lender
 
models’
 
Models
 
of
 
risk
 
measures
 
that
 
are
 
used
 
for
 
parts
 
of
 
the
 
portfolio
 
where
 
the
 
risk
 
drivers
 
are
 
specific
 
to
 
a
particular
 
counterparty,
 
but
 
where
 
there
 
is
 
insufficient
 
data
 
to
 
support
 
the
 
construction
 
of
 
a
 
statistical
 
model.
 
These
 
models
 
utilise
the
 
knowledge
 
of
 
credit
 
experts
 
that
 
have
 
in
 
depth
 
experience
 
of
 
the
 
specific
 
customer
 
type
 
being
 
modelled.
‘Exposure’
 
Generally
 
refers
 
to
 
positions
 
or
 
actions
 
taken
 
by
 
the
 
bank,
 
or
 
consequences
 
thereof,
 
that
 
may
 
put
 
a
 
certain
 
amount
 
of
 
a
bank’s
 
resource
 
s
 
at
 
risk.
‘Exposure
 
at
 
Default
 
(EAD)’
 
The
 
estimation
 
of
 
the
 
extent
 
to
 
which
 
Barclays
 
Bank
 
Group
 
may
 
be
 
exposed
 
to
 
a
 
customer
 
or
counterparty
 
in
 
the
 
event
 
of,
 
and
 
at
 
the
 
time
 
of,
 
that
 
counterparty’s
 
default.
 
At
 
default,
 
the
 
customer
 
may
 
not
 
have
 
drawn
 
the
 
loan
fully
 
or
 
may
 
already
 
have
 
repaid
 
some
 
of
 
the
 
principal,
 
so
 
that
 
exposure
 
may
 
be
 
less
 
than
 
the
 
approved
 
loan
 
limit.
‘External
 
Credit
 
Assessment
 
Institutions
 
(ECAI)’
Institutions
 
whose
 
credit
 
assessments
 
may
 
be
 
used
 
by
 
credit
 
institutions
 
for
 
the
determination
 
of
 
risk
 
weight
 
exposures
 
according
 
to
 
CRR.
‘Federal
 
Reserve
 
Board
 
(FRB)’
Is
 
the
 
governing
 
board
 
of
 
the
Federal
 
Reserve
 
System
 
of
 
the
 
US,
 
in
 
charge
 
of
 
making
 
the
country's
monetary
 
policy
.
 
'FICC'
Represents
 
Macro
 
(including
 
rates
 
and
 
currency),
 
Credit
 
and
 
Securitised
 
products.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
54
 
 
'Financial
 
Policy
 
Committee
 
(FPC)'
 
The
 
Bank
 
of
 
England’s
 
Financial
 
Policy
 
Committee
 
(FPC)
 
identifies,
 
monitors
 
and
 
takes
 
action
 
to
remove
 
or
 
reduce
 
systemic
 
risks
 
with
 
a
 
view
 
to
 
protecting
 
and
 
enhancing
 
the
 
resilience
 
of
 
the
 
UK
 
financial
 
system.
 
The
 
FPC
 
also
 
has
a
 
secondary
 
objective
 
to
 
support
 
the
 
economic
 
policy
 
of
 
the
 
UK
 
Government.
‘F-IRB’/
 
'Foundation-Internal
 
Ratings
 
Based’
 
See
 
‘Internal
 
Ratings
 
Based
 
(IRB)’.
 
‘Financial
 
Conduct
 
Authority
 
(FCA)’
 
The
 
statutory
 
body
 
responsible
 
for
 
conduct
 
of
 
business
 
regulation
 
and
 
supervision
 
of
 
UK
authorised
 
firms.
 
The
 
FCA
 
also
 
has
 
responsibility
 
for
 
the
 
prudential
 
regulation
 
of
 
firms
 
that
 
do
 
not
 
fall
 
within
 
the
 
PRA’s
 
scope.
 
‘Financial
 
Services
 
Compensation
 
Scheme
 
(FSCS)’
 
The
 
UK’s
 
fund
 
for
 
compensation
 
of
 
authorised
 
financial
 
services
 
firms
 
that
 
are
unable
 
to
 
pay
 
claims.
 
‘Financial
 
collateral
 
comprehensive
 
method
 
(FCCM)’
 
A
 
counterparty
 
credit
 
risk
 
exposure
 
calculation
 
approach
 
which
 
applies
volatility
 
adjustments
 
to
 
the
 
market
 
value
 
of
 
exposure
 
and
 
collateral
 
when
 
calculating
 
RWA
 
values.
‘Financial
 
Stability
 
Board
 
(FSB)’
An
 
international
 
body
 
that
 
monitors
 
and
 
makes
 
recommendations
 
about
 
the
 
global
 
financial
system.
 
It
 
promotes
 
international
 
financial
 
stability
 
by
 
coordinating
 
national
 
financial
 
authorities
 
and
 
international
 
standard
 
-
 
setting
bodies
 
as
 
they
 
work
 
toward
 
developing
 
strong
 
regulatory,
 
supervisory
 
and
 
other
 
financial
 
sector
 
policies.
 
It
 
fosters
 
a
 
level
 
playing
field
 
by
 
encouraging
 
coherent
 
implementation
 
of
 
these
 
policies
 
across
 
sectors
 
and
 
jurisdictions.
 
‘Fitch’
 
A
 
credit
 
rating
 
agency.
 
‘Forbearance
 
Programmes’
 
Forbearance
 
programmes
 
to
 
assist
 
customers
 
in
 
financial
 
difficulty
 
through
 
agreements
 
to
 
accept
 
less
than
 
contractual
 
amounts
 
due
 
where
 
financial
 
distress
 
would
 
otherwise
 
prevent
 
satisfactory
 
repayment
 
within
 
the
 
original
 
terms
and
 
conditions
 
of
 
the
 
contract.
 
These
 
agreements
 
may
 
be
 
initiated
 
by
 
the
 
customer,
 
Barclays
 
Bank
 
Group
 
or
 
a
 
third
 
party
 
and
include
 
approved
 
debt
 
counselling
 
plans,
 
minimum
 
due
 
reductions,
 
interest
 
rate
 
concessions
 
and
 
switches
 
from
 
capital
 
and
 
interest
repayments
 
to
 
interest
 
-only
 
payments.
 
‘Foreclosures
 
in
 
Progress’
The
 
process
 
by
 
which
 
the
 
bank
 
initiates
 
legal
 
action
 
against
 
a
 
customer
 
with
 
the
 
intention
 
of
 
terminating
a
 
loan
 
agreement
 
whereby
 
the
 
bank
 
may
 
repossess
 
the
 
property
 
subject
 
to
 
local
 
law
 
and
 
recover
 
amounts
 
it
 
is
 
owed.
 
‘Foreign
 
exchange
 
derivatives’
 
The
 
Barclays
 
Bank
 
Group’s
 
principal
 
exchange
 
rate
 
-
 
related
 
contracts
 
are
 
forward
 
foreign
 
exchange
co
 
ntracts,
 
currency
 
swaps
 
and
 
currency
 
options.
 
Forward
 
foreign
 
exchange
 
contracts
 
are
 
agreements
 
to
 
buy
 
or
 
sell
 
a
 
specified
quantity
 
of
 
foreign
 
currency,
 
usually
 
on
 
a
 
specified
 
future
 
date
 
at
 
an
 
agreed
 
rate.
 
Currency
 
swaps
 
generally
 
involves
 
the
 
exchange,
or
 
notional
 
exchange,
 
of
 
equivalent
 
amounts
 
of
 
two
 
currencies
 
and
 
a
 
commitment
 
to
 
exchange
 
interest
 
periodically
 
until
 
the
principal
 
amounts
 
are
 
re
 
-exchanged
 
on
 
a
 
future
 
date.
 
Currency
 
options
 
provide
 
the
 
buyer
 
with
 
the
 
right,
 
but
 
not
 
the
 
obligation,
either
 
to
 
purchase
 
or
 
sell
 
a
 
fixed
 
amount
 
of
 
a
 
currency
 
at
 
a
 
specified
 
exchange
 
rate
 
on
 
or
 
before
 
a
 
future
 
date.
 
As
 
compensation
 
for
assuming
 
the
 
option
 
risk,
 
the
 
option
 
writer
 
generally
 
receives
 
a
 
premium
 
at
 
the
 
start
 
of
 
the
 
option
 
period.
‘Foreign
 
exchange
 
risk’
 
In
 
the
 
context
 
of
 
DVaR,
 
the
 
impact
 
of
 
changes
 
in
 
foreign
 
exchange
 
rates
 
and
 
volatilities.
 
 
‘Full
 
time
 
equivalent’
 
Full
 
time
 
equivalent
 
units
 
are
 
the
 
on-job
 
hours
 
paid
 
for
 
employee
 
services
 
divided
 
by
 
the
 
number
 
of
 
ordinary-
time
 
hours
 
normally
 
paid
 
for
 
a
 
full-time
 
staff
 
member
 
when
 
on
 
the
 
job
 
(or
 
contract
 
employees
 
where
 
applicable).
 
‘Fully
 
loaded’
 
When
 
a
 
measure
 
is
 
presented
 
or
 
described
 
as
 
being
 
on
 
a
 
fully
 
loaded
 
basis,
 
it
 
is
 
calculated
 
without
 
applying
 
the
transitional
 
provisions
 
set
 
out
 
in
 
Part
 
Ten
 
of
 
CRR.
 
‘Funded
 
credit
 
protection’
 
Is
 
a
 
technique
 
of
 
credit
 
risk
 
mitigation
 
where
 
the
 
reduction
 
of
 
the
 
credit
 
risk
 
on
 
the
 
exposure
 
of
 
an
institution
 
derives
 
from
 
the
 
right
 
of
 
that
 
institution,
 
in
 
the
 
event
 
of
 
the
 
default
 
of
 
the
 
counterparty
 
or
 
on
 
the
 
occurrence
 
of
 
other
specified
 
credit
 
events
 
relating
 
to
 
the
 
counterparty,
 
to
 
liquidate,
 
or
 
to
 
obtain
 
transfer
 
or
 
appropriation
 
of,
 
or
 
to
 
retain
 
certain
 
assets
or
 
amounts,
 
or
 
to
 
reduce
 
the
 
amount
 
of
 
the
 
exposure
 
to,
 
or
 
to
 
replace
 
it
 
with,
 
the
 
amount
 
of
 
the
 
difference
 
between
 
the
 
amount
 
of
the
 
exposure
 
and
 
the
 
amount
 
of
 
a
 
claim
 
on
 
the
 
institution.
‘Gains
 
on
 
acquisitions’
 
The
 
amount
 
by
 
which
 
the
 
acquirer’s
 
interest
 
in
 
the
 
net
 
fair
 
val
 
ue
 
of
 
the
 
identifiable
 
assets,
 
liabilities
 
and
contingent
 
liabilities,
 
recognised
 
in
 
a
 
business
 
combination,
 
exceeds
 
the
 
cost
 
of
 
the
 
combination.
 
‘General
 
Data
 
Protection
 
Regulation
 
(GDPR)’
GDPR
 
(Regulation
 
(EU)
 
2016/679)
 
is
 
a
 
regulation
 
by
 
which
 
the
 
Euro
 
pean
 
Parliament,
the
 
Council
 
of
 
the
 
European
 
Union
 
and
 
the
 
European
 
Commission
 
intend
 
to
 
strengthen
 
and
 
unify
 
data
 
protection
 
for
 
all
 
individuals
within
 
the
 
European
 
Union.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
55
 
 
‘General
 
market
 
risk’
 
The
 
risk
 
of
 
a
 
price
 
change
 
in
 
a
 
financial
 
instrument
 
due
 
to
 
a
 
change
 
in
 
level
 
of
 
interest
 
rates
 
or
 
owing
 
to
 
a
broad
 
equity
 
market
 
movement
 
unrelated
 
to
 
any
 
specific
 
attributes
 
of
 
individual
 
securities.
‘Global
 
-Systemically
 
Important
 
Banks
 
(G-SIBs
 
or
 
G-SIIs)’
 
Global
 
financial
 
institutions
 
whose
 
size,
 
complexity
 
and
 
systemic
interconnectedness,
 
mean
 
that
 
their
 
distress
 
or
 
failure
 
would
 
cause
 
significant
 
disruption
 
to
 
the
 
wider
 
financial
 
system
 
and
economic
 
activity.
 
The
 
Financial
 
Stability
 
Board
 
and
 
the
 
Basel
 
Committee
 
on
 
Banking
 
Supervision
 
publish
 
a
 
list
 
of
 
globally
systemically
 
important
 
banks.
 
‘G
 
-SII
 
additional
 
leverage
 
ratio
 
buffer
 
(G-SII
 
ALRB)’
A
 
macroprudential
 
buffer
 
that
 
applies
 
to
 
globally
 
systemically
 
important
 
banks
(G-SIBs)
 
and
 
other
 
major
 
domestic
 
UK
 
banks
 
and
 
building
 
societies,
 
including
 
banks
 
that
 
are
 
subject
 
to
 
ring-fencing
 
requirements.
The
 
G-SII
 
ALRB
 
will
 
be
 
calibrated
 
as
 
35%
 
(on
 
a
 
phased
 
basis)
 
of
 
the
 
combined
 
systemic
 
risk
 
buffers
 
that
 
applies
 
to
 
the
 
bank.
‘GSII
 
Buffer’
Common
 
Equity
 
Tier
 
1
 
capital
 
required
 
to
 
be
 
held
 
under
 
CRD
 
to
 
ensure
 
that
 
G-
 
SIBs
 
build
 
up
 
surplus
 
capital
 
to
compensate
 
for
 
the
 
systemic
 
risk
 
that
 
such
 
institutions
 
represent
 
to
 
the
 
financial
 
system.
’Grandfathering’
 
In
 
the
 
context
 
of
 
capital
 
resources,
 
the
 
phasing
 
in
 
of
 
the
 
application
 
of
 
instrument
 
eligibility
 
rules
 
which
 
allows
 
CRR
and
 
CRR
 
II
 
non-compliant
 
capital
 
instruments
 
to
 
be
 
included
 
in
 
regulatory
 
capital
 
subject
 
to
 
certain
 
thresholds
 
which
 
decrease
 
over
the
 
transitional
 
period.
‘Gross
 
charge-off
 
rates’
 
Represent
 
s
 
the
 
balances
 
charged
 
-off
 
to
 
recoveries
 
in
 
the
 
reporting
 
period,
 
expressed
 
as
 
a
 
percentage
 
of
average
 
outstanding
 
balances
 
excluding
 
balances
 
in
 
recoveries.
 
Charge-off
 
to
 
recoveries
 
generally
 
occurs
 
when
 
the
 
collections
 
focus
switches
 
from
 
the
 
collection
 
of
 
arrears
 
to
 
the
 
recovery
 
of
 
the
 
entire
 
outstanding
 
balance,
 
and
 
represents
 
a
 
fundamental
 
change
 
in
the
 
relationship
 
between
 
the
 
bank
 
and
 
the
 
customer.
 
This
 
is
 
a
 
measure
 
of
 
the
 
proportion
 
of
 
customers
 
that
 
have
 
gone
 
into
 
default
during
 
the
 
period.
 
‘Gros
 
s
 
write-off
 
rates’
 
Expressed
 
as
 
a
 
percentage
 
and
 
represents
 
balances
 
written
 
off
 
in
 
the
 
reporting
 
period
 
divided
 
by
 
gross
 
loans
and
 
advances
 
held
 
at
 
amortised
 
cost
 
at
 
the
 
balance
 
sheet
 
date.
‘Gross
 
new
 
lending’
 
New
 
lending
 
advanced
 
to
 
customers
 
during
 
the
 
period.
 
‘Guarantee’
 
Unless
 
otherwise
 
described,
 
an
 
undertaking
 
by
 
a
 
third
 
party
 
to
 
pay
 
a
 
creditor
 
should
 
a
 
debtor
 
fail
 
to
 
do
 
so.
 
It
 
is
 
a
 
form
of
 
credit
 
substitution.
 
‘Head
 
Office’
 
A
 
division
 
comprising
 
Brand
 
and
 
Marketing,
 
Finance,
 
Head
 
Office,
 
Human
 
Res
 
ources,
 
Internal
 
Audit,
 
Legal,
Compliance,
 
Risk,
 
Treasury
 
and
 
Tax
 
and
 
other
 
operations.
 
‘High-Net-Worth’
 
Businesses
 
that
 
provide
 
banking
 
and
 
other
 
services
 
to
 
high
 
net
 
worth
 
customers.
 
‘High
 
Risk’
In
 
retail
 
banking,
 
‘High
 
Risk’
 
is
 
defined
 
as
 
the
 
subset
 
of
 
up-to
 
-date
 
customers
 
who,
 
either
 
through
 
an
 
event
 
or
 
observed
behaviour
 
exhibit
 
potential
 
financial
 
difficulty.
 
Where
 
appropriate,
 
these
 
customers
 
are
 
proactively
 
contacted
 
to
 
assess
 
whether
assistance
 
is
 
required.
‘Home
 
loan’
 
A
 
loan
 
to
 
purchase
 
a
 
residential
 
property.
 
The
 
property
 
is
 
then
 
used
 
as
 
collateral
 
to
 
guarantee
 
repayment
 
of
 
the
 
loan.
The
 
borrower
 
gives
 
the
 
lender
 
a
 
lien
 
against
 
the
 
property
 
and
 
the
 
lender
 
can
 
foreclose
 
on
 
the
 
property
 
if
 
the
 
borrower
 
does
 
not
repay
 
the
 
loan
 
per
 
the
 
agreed
 
terms.
 
Also
 
known
 
as
 
a
 
residential
 
mortgage.
 
‘IHC’
 
or
 
‘US
 
IHC’
 
Barclays
 
US
 
LLC,
 
the
 
intermediate
 
holding
 
company
 
established
 
by
 
Barclays
 
Bank
 
Group
 
in
 
July
 
2016,
 
which
 
holds
most
 
of
 
Barclays
 
Bank’
 
subsidiaries
 
and
 
assets
 
in
 
the
 
US.
‘IMA’
 
/
 
'Internal
 
Model
 
Approach’
In
 
the
 
context
 
of
 
RWAs,
 
RWAs
 
for
 
which
 
the
 
exposure
 
amount
 
has
 
been
 
derived
 
via
 
the
 
use
 
of
 
a
PRA
 
approved
 
internal
 
market
 
risk
 
model.
 
‘IMM’
 
/
 
'Internal
 
Model
 
Method’
In
 
the
 
context
 
of
 
RWAs,
 
RWAs
 
for
 
which
 
the
 
exposure
 
amount
 
has
 
been
 
derived
 
via
 
the
 
use
 
of
 
a
PRA
 
approved
 
internal
 
counterparty
 
credit
 
risk
 
model.
‘Identified
 
Impairment
 
(II)’
 
Specific
 
impairment
 
allowances
 
for
 
financial
 
assets,
 
individually
 
estimated.
‘IFRS
 
9
 
transitional
 
arrangements’
Following
 
the
 
application
 
of
 
IFRS
 
9
 
as
 
of
 
1
 
January
 
2018,
 
Article
 
473a
 
of
 
CRR
 
permits
 
institutions
to
 
phase-in
 
the
 
impact
 
on
 
capital
 
and
 
leverage
 
ratios
 
of
 
the
 
impairment
 
requirements
 
under
 
the
 
new
 
accounting
 
standard.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
56
 
 
‘Impairment
 
Allowances’
 
A
 
provision
 
held
 
on
 
the
 
balance
 
sheet
 
as
 
a
 
result
 
of
 
the
 
raising
 
of
 
a
 
charge
 
against
 
profit
 
for
 
expected
losses
 
in
 
the
 
lending
 
book.
 
An
 
impairment
 
allowance
 
may
 
either
 
be
 
identified
 
or
 
unidentified
 
and
 
individual
 
or
 
collective.
 
‘Income’
 
Total
 
income,
 
unless
 
otherwise
 
specified.
 
‘Incremental
 
Risk
 
Charge
 
(IRC)’
An
 
estimate
 
of
 
the
 
incremental
 
risk
 
arising
 
from
 
rating
 
migrations
 
and
 
defaults
 
for
 
traded
 
debt
instruments
 
beyond
 
what
 
is
 
already
 
captured
 
in
 
specific
 
market
 
risk
 
VaR
 
for
 
the
 
non-correlation
 
trading
 
portfolio.
‘Independent
 
Validation
 
Unit
 
(IVU)’
The
 
function
 
within
 
the
 
bank
 
responsible
 
for
 
independent
 
review,
 
challenge
 
and
 
approval
 
of
 
all
models.
‘Individual
 
liquidity
 
guidance
 
(ILG)’
 
Guidance
 
given
 
to
 
a
 
bank
 
about
 
the
 
amount,
 
quality
 
and
 
funding
 
profile
 
of
 
liquidity
 
resources
that
 
the
 
PRA
 
has
 
asked
 
the
 
bank
 
to
 
maintain.
 
‘Inflation
 
risk’
 
In
 
the
 
context
 
of
 
DVaR,
 
the
 
impact
 
of
 
changes
 
in
 
inflation
 
rates
 
and
 
volatilities
 
on
 
cash
 
instruments
 
and
 
derivatives.
 
‘Insurance
 
Risk’
 
The
 
risk
 
of
 
the
 
Barclays
 
Bank
 
Group’s
 
aggregate
 
insurance
 
premiums
 
received
 
from
 
policyholders
 
under
 
a
 
portfolio
of
 
insurance
 
contracts
 
being
 
inadequate
 
to
 
cover
 
the
 
claims
 
arising
 
from
 
those
 
policies.
 
‘Interchange’
 
Income
 
paid
 
to
 
a
 
credit
 
card
 
issuer
 
for
 
the
 
clearing
 
and
 
settlement
 
of
 
a
 
sale
 
or
 
cash
 
advance
 
transaction.
‘Interest
 
-only
 
home
 
loans’
Under
 
the
 
terms
 
of
 
these
 
loans,
 
the
 
customer
 
makes
 
payments
 
of
 
interest
 
only
 
for
 
the
 
entire
 
term
 
of
 
the
mortgage,
 
although
 
customers
 
may
 
make
 
early
 
repayments
 
of
 
the
 
principal
 
within
 
the
 
terms
 
of
 
their
 
agreement.
 
The
 
customer
 
is
responsible
 
for
 
repaying
 
the
 
entire
 
outstanding
 
principal
 
on
 
maturity,
 
which
 
may
 
require
 
the
 
sale
 
of
 
the
 
mortgaged
 
property.
‘Interest
 
rate
 
derivatives’
 
Derivatives
 
linked
 
to
 
interest
 
rates.
 
This
 
category
 
includes
 
interest
 
rate
 
swaps,
 
collars,
 
floors
 
options
 
and
swaptions.
 
An
 
interest
 
rate
 
swap
 
is
 
an
 
agreement
 
between
 
two
 
parties
 
to
 
exchange
 
fixed
 
rate
 
and
 
floating
 
rate
 
interest
 
by
 
means
 
of
periodic
 
payments
 
based
 
upon
 
a
 
notional
 
principal
 
amount
 
and
 
the
 
intere
 
st
 
rates
 
defined
 
in
 
the
 
contract.
 
Certain
 
agreements
combine
 
interest
 
rate
 
and
 
foreign
 
currency
 
swap
 
transactions,
 
which
 
may
 
or
 
may
 
not
 
include
 
the
 
exchange
 
of
 
principal
 
amounts.
 
A
basis
 
swap
 
is
 
a
 
form
 
of
 
interest
 
rate
 
swap,
 
in
 
which
 
both
 
parties
 
exchange
 
interest
 
payments
 
based
 
on
 
floating
 
rates,
 
where
 
the
floating
 
rates
 
are
 
based
 
upon
 
different
 
underlying
 
reference
 
indices.
 
In
 
a
 
forward
 
rate
 
agreement,
 
two
 
parties
 
agree
 
a
 
future
settlement
 
of
 
the
 
difference
 
between
 
an
 
agreed
 
rate
 
and
 
a
 
future
 
interest
 
rat
 
e,
 
applied
 
to
 
a
 
notional
 
principal
 
amount.
 
The
settlement,
 
which
 
generally
 
occurs
 
at
 
the
 
start
 
of
 
the
 
contract
 
period,
 
is
 
the
 
discounted
 
present
 
value
 
of
 
the
 
payment
 
that
 
would
otherwise
 
be
 
made
 
at
 
the
 
end
 
of
 
that
 
period.
‘Interest
 
rate
 
risk’
 
The
 
risk
 
of
 
interest
 
rate
 
volatility
 
adversely
 
impacting
 
the
 
Barclays
 
Bank
 
Group’s
 
net
 
interest
 
margin.
 
In
 
the
context
 
of
 
the
 
calculation
 
of
 
market
 
risk
 
DVaR,
 
measures
 
the
 
impact
 
of
 
changes
 
in
 
interest
 
(swap)
 
rates
 
and
 
volatilities
 
on
 
cash
instruments
 
and
 
derivatives.
‘Interest
 
rate
 
risk
 
in
 
the
 
banking
 
book
 
(IRRBB)’
The
 
risk
 
that
 
the
 
Barclays
 
Bank
 
Group
 
is
 
exposed
 
to
 
capital
 
or
 
income
 
volatility
because
 
of
 
a
 
mismatch
 
between
 
the
 
interest
 
rate
 
exposures
 
of
 
its
 
(non-traded)
 
assets
 
and
 
liabilities.
‘Internal
 
Assessment
 
Approach
 
(IAA)’
One
 
of
 
three
 
types
 
of
 
calculation
 
that
 
a
 
bank
 
with
 
permission
 
to
 
use
 
the
 
Internal
 
Ratings
Based
 
(IRB)
 
approach
 
may
 
apply
 
to
 
securitisation
 
exposures.
 
It
 
consists
 
of
 
mapping
 
a
 
bank's
 
internal
 
rating
 
methodology
 
for
 
credi
 
t
exposures
 
to
 
those
 
of
 
an
 
External
 
Credit
 
Assessment
 
Institution
 
(ECAI)
 
to
 
determine
 
the
 
appropriate
 
risk
 
weight
 
based
 
on
 
the
ratings
 
based
 
approach.
 
Its
 
applicability
 
is
 
limited
 
to
 
ABCP
 
programmes
 
related
 
to
 
liquidity
 
facilities
 
and
 
credit
 
enhancement.
‘Internal
 
Capital
 
Adequacy
 
Assessment
 
Process
 
(ICAAP)’
Companies
 
are
 
required
 
to
 
perform
 
a
 
formal
 
Internal
 
Capital
 
Adequacy
Assessment
 
Process
 
(ICAAP)
 
as
 
part
 
of
 
the
 
Pillar
 
2
 
requirements
 
(BIPRU)
 
and
 
to
 
provide
 
this
 
document
 
to
 
the
 
PRA
 
on
 
a
 
yearly
 
basis.
The
 
ICAAP
 
document
 
summarises
 
the
 
Barclays
 
Bank
 
Group’s
 
risk
 
management
 
framework,
 
including
 
approach
 
to
 
managing
 
all
 
risks
(i.e.
 
Pillar
 
1
 
and
 
non-Pillar
 
1
 
risks);
 
and,
 
the
 
Barclays
 
Bank
 
Group’s
 
risk
 
appetite,
 
economic
 
capital
 
and
 
stress
 
testing
 
frameworks.
 
‘Internal
 
Ratings
 
Based
 
(IRB)’
 
An
 
approach
 
under
 
the
 
CRR
 
framework
 
that
 
relies
 
on
 
the
 
bank’s
 
internal
 
models
 
to
 
derive
 
the
 
risk
weights.
 
The
 
IRB
 
approach
 
is
 
divided
 
into
 
two
 
alternative
 
applications,
 
Advanced
 
and
 
Foundation:
 
–
Advanced
 
IRB
 
(A-IRB):
 
the
 
bank
 
uses
 
its
 
own
 
estimates
 
of
 
probability
 
of
 
default
 
(PD),
 
loss
 
given
 
default
 
(LGD)
 
and
 
credit
conversion
 
factor
 
to
 
model
 
a
 
given
 
risk
 
exposure.
 
–
Foundation
 
IRB:
 
the
 
bank
 
applies
 
its
 
own
 
PD
 
as
 
for
 
Advanced,
 
but
 
it
 
uses
 
standard
 
parameters
 
for
 
the
 
LGD
 
and
 
the
 
credit
conversion
 
factor.
 
The
 
Foundation
 
IRB
 
approach
 
is
 
specifically
 
designed
 
for
 
wholesale
 
credit
 
exposures.
 
Hence
 
retail,
equity,
 
securitisation
 
positions
 
and
 
non-credit
 
obligations
 
asset
 
exposures
 
are
 
treated
 
under
 
standardised
 
or
 
A-IRB.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
57
 
 
‘Investme
 
nt
 
Bank’
The
 
Barclays
 
Bank
 
Group’s
 
investment
 
bank
 
which
 
consists
 
of
 
origination
 
led
 
and
 
returns
 
focused
 
markets
 
and
banking
 
business
 
which
 
forms
 
part
 
of
 
the
 
Corporate
 
and
 
Investment
 
Bank
 
segment.
‘Investment
 
Banking
 
Fees’
 
In
 
the
 
context
 
of
 
Investment
 
Bank
 
Analysis
 
of
 
Total
 
Income,
 
fees
 
generated
 
from
 
origination
 
activity
businesses
 
–
 
including
 
financial
 
advisory,
 
debt
 
and
 
equity
 
underwriting.
 
‘Investment
 
grade’
 
A
 
debt
 
security,
 
treasury
 
bill
 
or
 
similar
 
instrument
 
with
 
a
 
credit
 
rating
 
of
 
AAA
 
to
 
BBB
 
as
 
measured
 
by
 
external
credit
 
rating
 
agencies.
 
‘ISDA
 
Master
 
Agreement’
 
The
 
most
 
commonly
 
used
 
master
 
contract
 
for
 
OTC
 
derivative
 
transactions
 
internationally.
 
It
 
is
 
part
 
of
 
a
framework
 
of
 
documents,
 
designed
 
to
 
enable
 
OTC
 
derivatives
 
to
 
be
 
documented
 
fully
 
and
 
flexibly.
 
The
 
framework
 
consists
 
of
 
a
master
 
agreement,
 
a
 
schedule,
 
confirmations,
 
definition
 
booklets,
 
and
 
a
 
credit
 
support
 
annex.
 
The
 
ISDA
 
master
 
agreement
 
is
published
 
by
 
the
 
International
 
Swaps
 
and
 
Derivatives
 
Association
 
(ISDA).
 
‘Key
 
Risk
 
Scenarios
 
(KRS)’
Key
 
Risk
 
Scenarios
 
are
 
a
 
summary
 
of
 
the
 
extreme
 
potential
 
risk
 
exposure
 
for
 
each
 
Key
 
Risk
 
in
 
each
business
 
and
 
function,
 
including
 
an
 
assessment
 
of
 
the
 
potential
 
frequency
 
of
 
risk
 
events,
 
the
 
average
 
size
 
of
 
losses
 
and
 
three
extreme
 
scenarios.
 
The
 
Key
 
Risk
 
Scenario
 
assessments
 
are
 
a
 
key
 
input
 
to
 
the
 
Advanced
 
Measurement
 
Approach
 
calculation
 
of
regulatory
 
and
 
economic
 
capital
 
requirements.
‘Large
 
exposure’
A
 
large
 
exposure
 
is
 
defined
 
as
 
the
 
total
 
exposure
 
of
 
a
 
bank
 
to
 
a
 
counterparty
 
or
 
group
 
of
 
connected
 
clients,
whether
 
in
 
the
 
banking
 
book
 
or
 
trading
 
book
 
or
 
both,
 
which
 
in
 
aggregate
 
equals
 
or
 
exceeds
 
10%
 
of
 
the
 
bank's
 
eligible
 
capital.
‘Legal
 
risk’
 
The
 
risk
 
of
 
loss
 
or
 
imposition
 
of
 
penalties,
 
damages
 
or
 
fines
 
from
 
the
 
failure
 
of
 
the
 
Barclays
 
Bank
 
Group
 
to
 
meet
 
its
 
legal
obligations
 
including
 
regulatory
 
or
 
contractual
 
requirements.
‘Lending’
In
 
the
 
context
 
of
 
Investment
 
Bank
 
Analysis
 
of
 
Total
 
Income,
 
lending
 
income
 
includes
 
net
 
interest
 
income,
 
gains
 
or
 
losses
on
 
loan
 
sale
 
activity,
 
and
 
risk
 
management
 
activity
 
relating
 
to
 
the
 
loan
 
portfolio.
‘Letters
 
of
 
credit’
 
A
 
letter
 
typically
 
used
 
for
 
the
 
purposes
 
of
 
international
 
trade
 
guaranteeing
 
that
 
a
 
debtor’s
 
payment
 
to
 
a
 
creditor
will
 
be
 
made
 
on
 
time
 
and
 
in
 
full.
 
In
 
the
 
event
 
that
 
the
 
debtor
 
is
 
unable
 
to
 
make
 
payment,
 
the
 
bank
 
will
 
be
 
required
 
to
 
cover
 
the
 
full
or
 
remaining
 
amount
 
of
 
the
 
purchase.
‘Level
 
1
 
assets’
High
 
quality
 
liquid
 
assets
 
under
 
the
 
Basel
 
Committee’s
 
Liquidity
 
Coverage
 
Ratio
 
(LCR),
 
including
 
cash,
 
central
 
bank
reserves
 
and
 
higher
 
quality
 
government
 
securities.
 
‘Level
 
2
 
assets’
 
Under
 
the
 
Basel
 
Committee’s
 
Liquidity
 
Coverage
 
Ratio
 
high
 
quality
 
liquid
 
assets
 
(HQLA)
 
are
 
comprised
 
of
 
Level
 
1
 
and
Level
 
2
 
assets,
 
with
 
the
 
latter
 
comprised
 
of
 
Level
 
2A
 
and
 
Level
 
2B
 
assets.
 
Level
 
2A
 
assets
 
include,
 
for
 
example,
 
lower
 
quality
government
 
securities,
 
covered
 
bonds
 
and
 
corporate
 
debt
 
securities.
 
Level
 
2B
 
assets
 
include,
 
for
 
example,
 
lower
 
rated
 
corporate
bonds,
 
residential
 
mortgage
 
backed
 
securities
 
and
 
equities
 
that
 
meet
 
certain
 
conditions.
‘Lifetime
 
expected
 
credit
 
losses’
 
An
 
assessment
 
of
 
expected
 
losses
 
associated
 
with
 
default
 
events
 
that
 
may
 
occur
 
during
 
the
 
life
 
of
an
 
exposure,
 
reflecting
 
the
 
present
 
value
 
of
 
cash
 
shortfalls
 
over
 
the
 
remaining
 
expected
 
life
 
of
 
the
 
asset.
‘Lifetime
 
Probability’
 
The
 
likelihood
 
of
 
accounts
 
entering
 
default
 
during
 
the
 
expected
 
remaining
 
life
 
of
 
the
 
asset.
‘Liquidity
 
Coverage
 
Ratio
 
(LCR)’
 
The
 
ratio
 
of
 
the
 
stock
 
of
 
high
 
quality
 
liquid
 
assets
 
to
 
expected
 
net
 
cash
 
outflows
 
over
 
the
 
next
 
30
days.
 
High-
 
quality
 
liquid
 
assets
 
should
 
be
 
unencumbered,
 
liquid
 
in
 
markets
 
during
 
a
 
time
 
of
 
stress
 
and,
 
ideally,
 
be
 
central
 
bank
eligible.
 
These
 
include,
 
for
 
example,
 
cash
 
and
 
claims
 
on
 
central
 
governments
 
and
 
central
 
banks.
 
‘Liquidity
 
Pool’
 
The
 
Barclays
 
Bank
 
Group
 
liquidity
 
pool
 
comprises
 
cash
 
at
 
central
 
banks
 
and
 
highly
 
liquid
 
collateral
 
specifically
 
held
by
 
the
 
Barclays
 
Bank
 
Group
 
as
 
a
 
contingenc
 
y
 
to
 
enable
 
the
 
bank
 
to
 
meet
 
cash
 
outflows
 
in
 
the
 
event
 
of
 
stressed
 
market
 
conditions.
 
‘Liquidity
 
Risk’
The
 
risk
 
that
 
the
 
Barclays
 
Bank
 
Group
 
is
 
unable
 
to
 
meet
 
its
 
contractual
 
or
 
contingent
 
obligations
 
or
 
that
 
is
 
does
 
not
have
 
the
 
appropriate
 
amount,
 
tenor
 
and
 
composition
 
of
 
funding
 
and
 
liquidity
 
to
 
support
 
its
 
assets.
 
‘Liquidity
 
risk
 
appetite
 
(LRA)’
 
The
 
level
 
of
 
liquidity
 
risk
 
that
 
the
 
Barclays
 
Bank
 
Group
 
chooses
 
to
 
take
 
in
 
pursuit
 
of
 
its
 
business
objectives
 
and
 
in
 
meeting
 
its
 
regulatory
 
obligations.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
58
 
 
‘Liquidity
 
Risk
 
Management
 
Framework
 
(the
 
Liquidity
 
Framework)’
The
 
Liquidity
 
Risk
 
Management
 
Framework
 
(the
 
Liquidity
Framework),
 
which
 
is
 
sanctioned
 
by
 
the
 
Board
 
Risk
 
Committee
 
(BRC)
 
and
 
which
 
incorporates
 
liquidity
 
policies,
 
systems
 
and
 
controls
that
 
the
 
Barclays
 
Bank
 
Group
 
has
 
implemented
 
to
 
manage
 
liquidity
 
risk
 
within
 
tolerances
 
approved
 
by
 
the
 
Board
 
and
 
re
 
gulatory
agencies.
 
‘Litigation
 
and
 
conduct
 
charges’
 
or
 
‘Litigation
 
and
 
conduct’
Litigation
 
and
 
conduct
 
charges
 
include
 
regulatory
 
fines,
 
litigation
settlements
 
and
 
conduct
 
related
 
customer
 
redress.
‘Loan
 
loss
 
rate’
 
Quoted
 
in
 
basis
 
points
 
and
 
represents
 
total
 
annualised
 
impairment
 
charges
 
divided
 
by
 
gross
 
loans
 
and
 
advances
held
 
at
 
amortised
 
cost
 
at
 
the
 
balance
 
sheet
 
date.
‘Loan
 
to
 
deposit
 
ratio’
 
Loans
 
and
 
advances
 
at
 
amortised
 
costs
 
divided
 
by
 
deposits
 
at
 
amortised
 
cost.
‘Loan
 
to
 
value
 
(LTV)
 
ratio’
 
Expresses
 
the
 
amount
 
borrowed
 
against
 
an
 
asset
 
(i.e.
 
a
 
mortgage)
 
as
 
a
 
percentage
 
of
 
the
 
appraised
 
value
of
 
the
 
asset.
 
The
 
ratios
 
are
 
used
 
in
 
determining
 
the
 
appropriate
 
level
 
of
 
risk
 
for
 
the
 
loan
 
and
 
are
 
generally
 
reported
 
as
 
an
 
average
for
 
new
 
mortgages
 
or
 
an
 
entire
 
portfolio.
 
Also
 
see
 
‘Marked
 
to
 
market
 
(MTM)
 
LTV
 
ratio.’
 
‘London
 
Interbank
 
Offered
 
Rate
 
(LIBOR)’
 
A
 
benchmark
 
interest
 
rate
 
at
 
which
 
banks
 
can
 
borrow
 
funds
 
from
 
other
 
banks
 
in
 
the
London
 
interbank
 
market.
 
‘Loss
 
Given
 
Default
 
(LGD)’
 
The
 
percentage
 
of
 
Exposure
 
at
 
Default
 
(EAD)
 
(defined
 
above)
 
that
 
will
 
not
 
be
 
recovered
 
following
default.
 
LGD
 
comprises
 
the
 
actual
 
loss
 
(the
 
part
 
that
 
is
 
not
 
expected
 
to
 
be
 
recovered),
 
together
 
with
 
the
 
economic
 
costs
 
associated
with
 
the
 
recovery
 
process.
 
‘Management
 
VaR’
 
A
 
measure
 
of
 
the
 
potential
 
loss
 
of
 
value
 
arising
 
from
 
unfavourable
 
market
 
movements
 
at
 
a
 
specific
 
confidence
level,
 
if
 
current
 
positions
 
were
 
to
 
be
 
held
 
unchanged
 
for
 
predefined
 
period.
 
Corporate
 
and
 
Investment
 
Bank
 
uses
 
Management
 
VaR
with
 
a
 
two
 
-year
 
equally
 
weighted
 
historical
 
period,
 
at
 
a
 
95%
 
confidence
 
level,
 
with
 
a
 
one
 
day
 
holding
 
period.
 
‘Mandatory
 
break
 
clause’
 
In
 
the
 
context
 
of
 
counterparty
 
credit
 
risk,
 
a
 
contract
 
clause
 
that
 
means
 
a
 
trade
 
will
 
be
 
ended
 
on
 
a
particular
 
date.
‘Marked
 
to
 
market
 
approach’
 
A
 
counterparty
 
credit
 
risk
 
exposure
 
calculation
 
approach
 
which
 
uses
 
the
 
current
 
mark
 
to
 
market
value
 
of
 
derivative
 
positions
 
as
 
well
 
as
 
a
 
potential
 
future
 
exposure
 
add-on
 
to
 
calculate
 
an
 
exposure
 
to
 
which
 
a
 
risk
 
weight
 
can
 
be
applied.
 
This
 
is
 
also
 
known
 
as
 
the
 
Current
 
Exposure
 
Method.
‘Marked
 
to
 
market
 
(MTM)
 
LTV
 
ratio’
 
The
 
loan
 
amount
 
as
 
a
 
percentage
 
of
 
the
 
current
 
value
 
of
 
the
 
asset
 
used
 
to
 
secure
 
the
 
loan.
Also
 
see
 
‘Balance
 
weighted
 
Loan
 
to
 
Value
 
(LTV)
 
ratio’
 
and
 
‘Valuation
 
weighte
 
d
 
Loan
 
to
 
Value
 
(LTV)
 
ratio.’
‘Market
 
risk’
 
The
 
risk
 
of
 
loss
 
arising
 
from
 
potential
 
adverse
 
changes
 
in
 
the
 
value
 
of
 
the
 
Barclays
 
Bank
 
Group’s
 
assets
 
and
 
liabilities
from
 
fluctuation
 
in
 
market
 
variables
 
including,
 
but
 
not
 
limited
 
to,
 
interest
 
rates,
 
foreign
 
exchange,
 
equity
 
prices,
 
commodity
 
prices,
credit
 
spreads,
 
implied
 
volatilities
 
and
 
asset
 
correlations.
 
‘Master
 
netting
 
agreements’
 
An
 
agreement
 
that
 
provides
 
for
 
a
 
single
 
net
 
settlement
 
of
 
all
 
financial
 
instruments
 
and
 
collateral
covered
 
by
 
the
 
agreemen
 
t
 
in
 
the
 
event
 
of
 
the
 
counterparty’s
 
default
 
or
 
bankruptcy
 
or
 
insolvency,
 
resulting
 
in
 
a
 
reduced
 
exposure.
‘Master
 
trust
 
securitisation
 
programmes’
 
A
 
securitisation
 
structure
 
where
 
a
 
trust
 
is
 
set
 
up
 
for
 
the
 
purpose
 
of
 
acquiring
 
a
 
pool
 
of
receivables.
 
The
 
trust
 
issues
 
multiple
 
series
 
of
 
securities
 
backed
 
by
 
these
 
receivables.
‘Material
 
Risk
 
Takers
 
(MRTs)’
Categories
 
of
 
staff
 
whose
 
professional
 
activities
 
have
 
or
 
are
 
deemed
 
to
 
have
 
a
 
material
 
impact
 
on
Barclays
 
Bank
 
Group’
 
risk
 
profile,
 
as
 
determined
 
in
 
accor
 
dance
 
with
 
the
 
European
 
Banking
 
Authority
 
regulatory
 
technical
 
standard
on
 
the
 
identification
 
of
 
such
 
staff.
‘Maximum
 
Distributable
 
Amount
 
(MDA)’
The
 
MDA
 
is
 
a
 
factor
 
representing
 
the
 
available
 
distributable
 
profit
 
whilst
 
remaining
 
in
excess
 
of
 
its
 
combined
 
buffer
 
requirement.
 
CRD
 
IV
 
places
 
restrictions
 
on
 
a
 
bank’s
 
dividend
 
decisions
 
depending
 
on
 
its
 
proximity
 
to
meeting
 
the
 
buffer.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
59
 
 
‘Medium-Term
 
Notes’
 
Corporate
 
notes
 
(or
 
debt
 
securities)
 
continuously
 
offered
 
by
 
a
 
company
 
to
 
investors
 
through
 
a
 
dealer.
Investors
 
can
 
choose
 
from
 
differing
 
maturities,
 
ranging
 
from
 
nine
 
months
 
to
 
30
 
years.
 
They
 
can
 
be
 
issued
 
on
 
a
 
fixed
 
or
 
floating
coupon
 
basis
 
or
 
with
 
an
 
exotic
 
coupon;
 
with
 
a
 
fixed
 
maturity
 
date
 
(non-callable)
 
or
 
with
 
embedded
 
call
 
or
 
put
 
options
 
or
 
early
repayment
 
triggers.
 
MTNs
 
are
 
most
 
generally
 
issued
 
as
 
senior,
 
unsecured
 
debt.
‘Methodology
 
and
 
policy’
In
 
the
 
context
 
of
 
the
 
Capital
 
Risk
 
section,
 
the
 
effect
 
on
 
RWAs
 
of
 
methodology
 
changes
 
driven
 
by
regulatory
 
policy
 
changes.
 
‘MiFID
 
II’
The
 
Markets
 
in
 
Financial
 
Instruments
 
Directive
 
2004/39/EC
 
(known
 
as
 
"MiFID"
 
I)
 
as
 
subsequently
 
amended
 
to
 
MiFID
 
II
 
is
 
a
European
 
Union
 
law
 
that
 
provides
 
harmonised
 
regulation
 
for
 
investment
 
services
 
across
 
the
 
31
 
member
 
states
 
of
 
the
 
European
Economic
 
Area.
 
‘Minimum
 
requirement
 
for
 
own
 
funds
 
and
 
eligible
 
liabilities
 
(MREL)’
 
A
 
European
 
Union
 
wide
 
requirement
 
under
 
the
 
Bank
 
Recovery
and
 
Resolution
 
Directive
 
for
 
all
 
European
 
banks
 
and
 
investment
 
banks
 
to
 
hold
 
a
 
minimum
 
level
 
of
 
equity
 
and/or
 
loss
 
absorbing
eligible
 
liabilities
 
to
 
ensure
 
the
 
operation
 
of
 
the
 
bail-in
 
tool
 
to
 
absorb
 
losses
 
and
 
recapitalise
 
an
 
institution
 
in
 
resolution.
 
An
institution’s
 
MREL
 
requirement
 
is
 
set
 
by
 
its
 
resolution
 
authority.
 
Amendments
 
in
 
the
 
EU
 
Risk
 
Reduction
 
Measure
 
package
 
are
designed
 
to
 
align
 
MREL
 
and
 
TLAC
 
for
 
EU
 
G-SIBs.
‘Model
 
risk’
The
 
risk
 
of
 
the
 
potential
 
adverse
 
consequences
 
from
 
financial
 
assessments
 
or
 
decisions
 
based
 
on
 
incorrect
 
or
 
misused
model
 
outputs
 
and
 
reports.
 
‘Model
 
updates’
In
 
the
 
context
 
of
 
the
 
Capital
 
Risk
 
section,
 
changes
 
in
 
RWAs
 
caused
 
by
 
model
 
implementation,
 
changes
 
in
 
model
scope
 
or
 
any
 
changes
 
required
 
to
 
address
 
model
 
malfunctions.
 
‘Model
 
validation’
 
Process
 
through
 
which
 
models
 
are
 
independently
 
challenged,
 
tested
 
and
 
verified
 
to
 
prove
 
that
 
they
 
hav
 
e
 
been
built,
 
implemented
 
and
 
used
 
correctly,
 
and
 
that
 
they
 
continue
 
to
 
be
 
fit-for
 
-purpose.
 
‘Modelled—VaR’
 
In
 
the
 
context
 
of
 
RWAs,
 
Market
 
risk
 
calculated
 
using
 
value
 
at
 
risk
 
models
 
laid
 
down
 
by
 
the
 
CRR
 
and
 
supervised
 
by
the
 
PRA.
 
‘Money
 
market
 
funds’
 
Investment
 
funds
 
typically
 
invested
 
in
 
short-term
 
debt
 
securities.
 
‘Monoline
 
derivatives’
 
Derivatives
 
with
 
a
 
monoline
 
insurer
 
such
 
as
 
credit
 
default
 
swaps
 
referencing
 
the
 
underlying
 
exposures
 
held.
‘Moody’s’
 
A
 
credit
 
rating
 
agency.
 
‘Mortgage
 
Servicing
 
Rights
 
(MSR)’
A
 
contractual
 
agreement
 
in
 
which
 
the
 
right
 
to
 
service
 
an
 
existing
 
mortgage
 
is
 
sold
 
by
 
the
 
original
lender
 
to
 
another
 
party
 
that
 
specialises
 
in
 
the
 
various
 
functions
 
involved
 
with
 
servicing
 
mortgages.
‘Multilateral
 
development
 
banks’
 
Financial
 
institutions
 
created
 
for
 
the
 
purposes
 
of
 
development,
 
where
 
membership
 
transcends
national
 
boundaries.
 
‘National
 
discretion’
 
Discretions
 
in
 
CRD
 
given
 
to
 
member
 
states
 
to
 
allow
 
the
 
local
 
regulator
 
additional
 
powers
 
in
 
the
 
application
 
of
certain
 
CRD
 
rules
 
in
 
its
 
jurisdiction.
 
‘Net
 
asset
 
value
 
per
 
share’
 
Calculated
 
by
 
dividing
 
shareholders’
 
equity,
 
excluding
 
non-controlling
 
interests
 
and
 
other
 
equity
instruments,
 
by
 
the
 
number
 
of
 
issued
 
ordinary
 
shares.
 
‘Net
 
interest
 
income
 
(NII)’
 
The
 
difference
 
between
 
interest
 
income
 
on
 
assets
 
and
 
interest
 
expense
 
on
 
liabilities.
 
‘Net
 
interest
 
margin
 
(NIM)’
 
Annualised
 
net
 
interest
 
income
 
divided
 
by
 
the
 
sum
 
of
 
average
 
customer
 
assets.
‘Net
 
investment
 
income’
 
Changes
 
in
 
the
 
fair
 
value
 
of
 
financial
 
instruments
 
designated
 
at
 
fair
 
value,
 
dividend
 
income
 
and
 
the
 
net
result
 
on
 
disposal
 
of
 
available
 
for
 
sale
 
assets.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
60
 
 
‘Net
 
Stable
 
Funding
 
Ratio
 
(NSFR)’
 
The
 
ratio
 
of
 
available
 
stable
 
funding
 
to
 
required
 
stable
 
funding
 
over
 
a
 
one
 
year
 
time
 
horizon,
assuming
 
a
 
stressed
 
scenario.
 
The
 
ratio
 
is
 
required
 
to
 
be
 
over
 
100%.
 
Available
 
stable
 
funding
 
would
 
include
 
such
 
items
 
as
 
equity
capital,
 
preferred
 
stock
 
with
 
a
 
maturity
 
of
 
over
 
1
 
year,
 
or
 
liabilities
 
with
 
a
 
maturity
 
of
 
over
 
1
 
year.
 
The
 
required
 
amount
 
of
 
stable
funding
 
is
 
calculated
 
as
 
the
 
sum
 
of
 
the
 
value
 
of
 
the
 
assets
 
held
 
and
 
funded
 
by
 
the
 
institution,
 
multiplied
 
by
 
a
 
specific
 
required
stable
 
funding
 
(RSF)
 
fa
 
ctor
 
assigned
 
to
 
each
 
particular
 
asset
 
type,
 
added
 
to
 
the
 
amount
 
of
 
potential
 
liquidity
 
exposure
 
multiplied
 
by
its
 
associated
 
RSF
 
factor.
 
‘Net
 
trading
 
income’
 
Gains
 
and
 
losses
 
arising
 
from
 
trading
 
positions
 
which
 
are
 
held
 
at
 
fair
 
value,
 
in
 
respect
 
of
 
both
 
market
 
-making
and
 
customer
 
business,
 
together
 
with
 
interest,
 
dividends
 
and
 
funding
 
costs
 
relating
 
to
 
trading
 
activities.
‘Net
 
write-off
 
rate’
 
Expressed
 
as
 
a
 
percentage
 
and
 
represents
 
balances
 
written
 
off
 
in
 
the
 
reporting
 
period
 
less
 
any
 
post
 
write-off
rec
 
overies
 
divided
 
by
 
gross
 
loans
 
and
 
advances
 
held
 
at
 
amortised
 
cost
 
at
 
the
 
balance
 
sheet
 
date.
‘Net
 
written
 
credit
 
protection’
 
In
 
the
 
context
 
of
 
leverage
 
exposure,
 
the
 
net
 
notional
 
value
 
of
 
credit
 
derivatives
 
protection
 
sold
 
and
credit
 
derivatives
 
protectio
 
n
 
bought.
 
‘New
 
bookings’
The
 
total
 
of
 
the
 
original
 
balance
 
on
 
accounts
 
opened
 
in
 
the
 
reporting
 
period,
 
including
 
any
 
applicable
 
fees
 
and
charges
 
included
 
in
 
the
 
loan
 
amount.
‘Non-asset
 
backed
 
debt
 
instruments’
 
Debt
 
instruments
 
not
 
backed
 
by
 
collateral,
 
including
 
government
 
bonds;
 
US
 
agency
 
bonds;
corporate
 
bonds;
 
commercial
 
paper;
 
certificates
 
of
 
deposit;
 
convertible
 
bonds;
 
corporate
 
bonds
 
and
 
issued
 
notes.
 
‘Non-model
 
method
 
(NMM)’
 
In
 
the
 
context
 
of
 
RWAs,
 
Counterparty
 
credit
 
risk,
 
RWAs
 
where
 
the
 
exposure
 
amount
 
has
 
been
 
derived
through
 
the
 
use
 
of
 
CRR
 
norms,
 
as
 
opposed
 
to
 
an
 
internal
 
model.
 
‘Non-Traded
 
Market
 
Risk’
The
 
risk
 
that
 
the
 
current
 
or
 
future
 
exposure
 
in
 
the
 
banking
 
book
 
(i.e.
 
non-traded
 
book)
 
will
 
impact
 
bank's
capital
 
and/or
 
earnings
 
due
 
to
 
adverse
 
movements
 
in
 
Interest
 
or
 
foreign
 
exchange
 
rates.
‘Non-Traded
 
VaR’
Reflects
 
the
 
volatility
 
in
 
the
 
value
 
of
 
the
 
fair
 
value
 
through
 
other
 
comprehensive
 
income
 
(FVOCI)
 
investments
 
in
the
 
liquidity
 
pool
 
which
 
flow
 
directly
 
through
 
capital
 
via
 
the
 
FVOCI
 
reserve.
 
The
 
underlying
 
methodology
 
to
 
calculate
 
non-traded
VaR
 
is
 
similar
 
to
 
Traded
 
Management
 
VaR,
 
but
 
the
 
two
 
measures
 
are
 
not
 
directly
 
comparable.
 
The
 
Non-Traded
 
VaR
 
represents
 
the
volatility
 
to
 
capital
 
driven
 
by
 
the
 
FVOCI
 
exposures.
 
These
 
exposures
 
are
 
in
 
the
 
banking
 
book
 
and
 
do
 
not
 
meet
 
the
 
criteria
 
for
 
trading
book
 
treatment.
 
‘Notch’
 
A
 
single
 
unit
 
of
 
measurement
 
in
 
a
 
credit
 
rating
 
scale.
 
‘Notional
 
amount’
The
 
nominal
 
or
 
face
 
amount
 
of
 
a
 
financial
 
instrument,
 
such
 
as
 
a
 
loan
 
or
 
a
 
derivative,
 
that
 
is
 
used
 
to
 
calculate
payments
 
made
 
on
 
that
 
instrument.
 
‘Open
 
Banking’
The
 
Payment
 
Services
 
Directive
 
(PSD2)
 
and
 
the
 
Open
 
API
 
standards
 
and
 
data
 
sharing
 
remedy
 
imposed
 
by
 
the
 
UK
Competition
 
and
 
Markets
 
Authority
 
following
 
its
 
Retail
 
Banking
 
Market
 
Investigation
 
Order.
‘Operating
 
leverage’
 
Operating
 
expenses
 
compared
 
to
 
total
 
income
 
less
 
credit
 
impairment
 
charges
 
and
 
other
 
provisions.
 
‘Operational
 
risk’
 
The
 
risk
 
of
 
loss
 
to
 
the
 
bank
 
from
 
inadequate
 
or
 
fai
 
led
 
processes
 
or
 
systems,
 
human
 
factors
 
or
 
due
 
to
 
external
events
 
(for
 
example,
 
fraud)
 
where
 
the
 
root
 
cause
 
is
 
not
 
due
 
to
 
credit
 
or
 
market
 
risks.
‘Operational
 
Riskdata
 
eXchange
 
(ORX)’
 
The
 
Operational
 
Riskdata
 
eXchange
 
Association
 
(ORX)
 
is
 
a
 
not
 
-for
 
-profit
 
industry
 
association
dedicated
 
to
 
advancing
 
the
 
measurement
 
and
 
management
 
of
 
operational
 
risk
 
in
 
the
 
global
 
financial
 
services
 
industry.
 
Barclays
Bank
 
is
 
a
 
member
 
of
 
ORX.
‘Origination
 
led’
 
Focus
 
on
 
high
 
margin,
 
low
 
capital
 
fee
 
based
 
activities
 
and
 
related
 
hedging
 
opportunities.
 
‘OSII’
Other
 
systemically
 
important
 
institutions
 
are
 
institutions
 
that
 
are
 
deemed
 
to
 
create
 
risk
 
to
 
financial
 
stability
 
due
 
to
 
their
systemic
 
importance.
 
‘Over
 
-the-counter
 
(OTC)
 
derivatives’
 
Derivative
 
contracts
 
that
 
are
 
traded
 
(and
 
privately
 
negotiated)
 
directly
 
between
 
two
 
parties.
They
 
offer
 
flexibility
 
because,
 
unlike
 
standardised
 
exchange
 
-traded
 
products,
 
they
 
can
 
be
 
tailored
 
to
 
fit
 
specific
 
needs.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
61
 
 
‘Ov
 
erall
 
capital
 
requirement’
 
The
 
overall
 
capital
 
requirement
 
is
 
the
 
sum
 
of
 
capital
 
required
 
to
 
meet
 
the
 
total
 
of
 
a
 
Pillar
 
1
requirement,
 
a
 
Pillar
 
2A
 
requirement,
 
a
 
Global
 
Systemically
 
Important
 
Institution
 
(G-
 
SII)
 
buffer,
 
a
 
Capital
 
Conservation
 
Buffer
 
(CCB)
and
 
a
 
Countercyclical
 
Capital
 
Buffer
 
(CCyB).
 
‘Own
 
credit’
 
The
 
effect
 
of
 
changes
 
in
 
the
 
Barclays
 
Bank
 
Group’s
 
own
 
credit
 
standing
 
on
 
the
 
fair
 
value
 
of
 
financial
 
liabilities.
 
‘Owner
 
occupied
 
mortgage’
A
 
mortgage
 
where
 
the
 
intention
 
of
 
the
 
customer
 
was
 
to
 
occupy
 
the
 
property
 
at
 
origination.
 
‘Own
 
funds’
The
 
sum
 
of
 
Tier
 
1
 
and
 
Tier
 
2
 
capital.
‘Past
 
due
 
items’
Refers
 
to
 
loans
 
where
 
the
 
borrower
 
has
 
failed
 
to
 
make
 
a
 
payment
 
when
 
due
 
under
 
the
 
terms
 
of
 
the
 
loan
 
contract.
 
‘Payment
 
Protection
 
Insurance
 
(PPI)
 
redress’
 
Provision
 
for
 
the
 
settlement
 
of
 
PPI
 
miss-selling
 
claims
 
and
 
related
 
claims
 
management
costs.
‘Pension
 
Risk’
The
 
risk
 
of
 
the
 
Barclays
 
Bank
 
Group’s
 
earnings
 
and
 
capital
 
being
 
adversely
 
impacted
 
by
 
the
 
Barclays
 
Bank
 
Group’s
defined
 
benefit
 
obligations
 
increasing
 
or
 
the
 
value
 
of
 
the
 
assets
 
backing
 
these
 
defined
 
benefit
 
obligations
 
decreasing
 
due
 
to
changes
 
in
 
both
 
the
 
level
 
and
 
volatility
 
of
 
prices.
 
‘Performance
 
costs’
 
The
 
accounting
 
charge
 
recognised
 
in
 
the
 
period
 
for
 
performance
 
awards.
 
For
 
deferred
 
incentives
 
and
 
long-
term
 
incentives,
 
the
 
accounting
 
charge
 
is
 
spread
 
over
 
the
 
relevant
 
periods
 
in
 
which
 
the
 
employee
 
delivers
 
service.
 
‘Personal
 
Banking’
Offers
 
retail
 
advice,
 
products
 
and
 
services
 
to
 
community
 
and
 
premier
 
customers
 
in
 
the
 
UK.
 
‘Per
 
iod
 
end
 
allocated
 
tangible
 
equity’
 
Allocated
 
tangible
 
equity
 
is
 
calculated
 
as
 
13.0%
 
(2018:
 
13.0%)
 
of
 
RWAs
 
for
 
each
 
business,
adjusted
 
for
 
capital
 
deductions,
 
excluding
 
goodwill
 
and
 
intangible
 
assets,
 
reflecting
 
assumptions
 
the
 
Barclays
 
Bank
 
Group
 
uses
 
for
capital
 
planning
 
purposes.
 
Head
 
Office
 
allocated
 
tangible
 
equity
 
represents
 
the
 
difference
 
between
 
the
 
Barclays
 
Bank
 
Group’s
tangible
 
shareholders’
 
equity
 
and
 
the
 
amounts
 
allocated
 
to
 
businesses.
 
‘Pillar
 
1
 
requirements’
The
 
minimum
 
regulatory
 
capital
 
requirements
 
to
 
meet
 
the
 
sum
 
of
 
credit
 
(including
 
counterparty
 
credit),
market
 
and
 
operational
 
risk.
‘Pillar
 
2A
 
requirements’
The
 
additional
 
regulatory
 
capital
 
requirement
 
to
 
meet
 
risks
 
not
 
captured
 
under
 
Pillar
 
1
 
requirements.
 
This
requirement
 
is
 
the
 
outcome
 
of
 
the
 
bank’s
 
Internal
 
Capital
 
Adequacy
 
Assessment
 
Process
 
(ICAAP)
 
and
 
the
 
complementary
supervisory
 
review
 
and
 
evaluation
 
carried
 
out
 
by
 
the
 
PRA.
 
‘Post
 
-model
 
adjustment
 
(PMA)’
 
In
 
the
 
context
 
of
 
Basel
 
models,
 
a
 
PMA
 
is
 
a
 
short
 
term
 
increase
 
in
 
regulatory
 
capital
 
applied
 
at
portfolio
 
level
 
to
 
account
 
for
 
model
 
input
 
data
 
deficiencies,
 
inadequate
 
model
 
performance
 
or
 
changes
 
to
 
regulatory
 
definitions
(e.g.
 
definition
 
of
 
default)
 
to
 
ensure
 
the
 
model
 
output
 
is
 
accurate,
 
complete
 
and
 
appropriate.
‘Potential
 
Future
 
Exposure
 
(PFE)
 
on
 
Derivatives’
 
A
 
regulatory
 
calculation
 
in
 
respect
 
of
 
the
 
Barclays
 
Bank
 
Group’s
 
potential
 
future
credit
 
exposure
 
on
 
both
 
exchange
 
traded
 
and
 
OTC
 
derivative
 
contracts,
 
calculated
 
by
 
assigning
 
a
 
standardised
 
percentage
 
(based
on
 
the
 
underlying
 
risk
 
category
 
and
 
residual
 
trade
 
maturity)
 
to
 
the
 
gross
 
notional
 
value
 
of
 
each
 
contract.
‘PRA
 
waivers’
 
PRA
 
approvals
 
that
 
specifically
 
give
 
permission
 
to
 
the
 
bank
 
to
 
either
 
modify
 
or
 
waive
 
existing
 
rules.
 
Waivers
 
are
specific
 
to
 
an
 
orga
 
nisation
 
and
 
require
 
applications
 
being
 
submitted
 
to
 
and
 
approved
 
by
 
the
 
PRA.
‘Primary
 
securitisations’
 
The
 
issuance
 
of
 
securities
 
(bonds
 
and
 
commercial
 
papers)
 
for
 
fund-raising.
‘Primary
 
Stress
 
Tests’
 
In
 
the
 
context
 
of
 
Traded
 
Market
 
Risk,
 
Stress
 
Testing
 
provides
 
an
 
estimate
 
of
 
potentially
 
significant
 
future
losses
 
that
 
might
 
arise
 
from
 
extreme
 
market
 
moves
 
or
 
scenarios.
 
Primary
 
Stress
 
Tests
 
apply
 
stress
 
moves
 
to
 
key
 
liquid
 
risk
 
factors
for
 
each
 
of
 
the
 
major
 
trading
 
asset
 
classes.
‘Prime
 
Services’
 
Involves
 
financing
 
of
 
fixed
 
income
 
and
 
equity
 
positions
 
using
 
Repo
 
and
 
stock
 
lending
 
facilities.
 
The
 
Prime
 
Services
business
 
also
 
provides
 
brokerage
 
facilitation
 
services
 
for
 
hedge
 
fund
 
clients
 
offering
 
executi
 
on
 
and
 
clearance
 
facilities
 
for
 
a
 
variety
of
 
asset
 
classes.
 
‘Principal’
 
In
 
the
 
context
 
of
 
a
 
loan,
 
the
 
amount
 
borrowed,
 
or
 
the
 
part
 
of
 
the
 
amount
 
borrowed
 
which
 
remains
 
unpaid
 
(excluding
interest).
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
62
 
 
‘Principal
 
Investments’
 
/
 
‘Private
 
equity
 
investments’
 
Investments
 
in
 
equity
 
securities
 
in
 
operating
 
companies
 
not
 
quoted
 
on
 
a
public
 
exchange.
 
Investment
 
in
 
private
 
equity
 
often
 
involves
 
the
 
investment
 
of
 
capital
 
in
 
private
 
companies
 
or
 
the
 
acquisition
 
of
 
a
public
 
company
 
that
 
results
 
in
 
the
 
delisting
 
of
 
public
 
equity.
 
Capital
 
for
 
private
 
equity
 
investment
 
is
 
raised
 
by
 
retail
 
or
 
institutional
investors
 
and
 
used
 
to
 
fund
 
investment
 
strategies
 
such
 
as
 
leveraged
 
buyouts,
 
venture
 
capital,
 
growth
 
capital,
 
distressed
 
investments
and
 
mezzanine
 
capital.
 
‘Principal
 
Risks’
 
The
 
principal
 
risks
 
affecting
 
the
 
Barclays
 
Bank
 
Group
 
described
 
in
 
the
 
risk
 
review
 
section
 
of
 
the
 
Barclays
 
Bank
 
PLC
Annual
 
Report.
‘Pro
 
-cyclicality’
 
Movements
 
in
 
financial
 
variables
 
(including
 
capital
 
requirements)
 
following
 
natural
 
fluctuations
 
in
 
the
 
economic
cycle,
 
where
 
the
 
subsequent
 
impact
 
on
 
lending
 
or
 
other
 
market
 
behaviours
 
acts
 
as
 
an
 
amplification
 
of
 
the
 
economic
 
cycle
 
by
 
the
financial
 
sector.
‘Probability
 
of
 
Default
 
(PD)’
 
The
 
likelihood
 
that
 
a
 
loan
 
will
 
not
 
be
 
repaid
 
and
 
will
 
fall
 
into
 
default.
 
PD
 
may
 
be
 
calculated
 
for
 
each
client
 
who
 
has
 
a
 
loan
 
(normally
 
applicable
 
to
 
wholesale
 
customers/clients)
 
or
 
for
 
a
 
portfolio
 
of
 
clients
 
with
 
similar
 
attributes
(normally
 
applicable
 
to
 
retail
 
customers).
 
To
 
calculate
 
PD,
 
Barclays
 
Bank
 
Group
 
assesses
 
the
 
credit
 
quality
 
of
 
borrowers
 
and
 
other
counterparties
 
and
 
assigns
 
them
 
an
 
internal
 
risk
 
rating.
 
Multiple
 
rating
 
methodologies
 
may
 
be
 
used
 
to
 
inform
 
the
 
rating
 
decision
 
on
individual
 
large
 
credits,
 
such
 
as
 
internal
 
and
 
external
 
models,
 
ra
 
ting
 
agency
 
ratings,
 
and
 
for
 
wholesale
 
assets
 
market
 
information
such
 
as
 
credit
 
spreads.
 
For
 
smaller
 
credits,
 
a
 
single
 
source
 
may
 
suffice
 
such
 
as
 
the
 
result
 
from
 
an
 
internal
 
rating
 
model.
‘Product
 
structural
 
hedge’
 
An
 
interest
 
rate
 
hedge
 
in
 
place
 
to
 
reduce
 
earnings
 
volatility
 
on
 
product
 
balances
 
with
 
an
 
instant
 
access
(such
 
as
 
non-interest
 
bearing
 
current
 
accounts
 
and
 
managed
 
rate
 
deposits)
 
and
 
to
 
smoothen
 
the
 
income
 
over
 
a
 
medium/long
 
term.
 
‘Properties
 
in
 
Possession
 
held
 
as
 
’Loans
 
and
 
Advances
 
to
 
Customers’’
Properties
 
in
 
the
 
UK
 
and
 
Italy
 
where
 
the
 
customer
 
continues
to
 
retain
 
legal
 
title
 
but
 
where
 
the
 
bank
 
has
 
enforced
 
the
 
possession
 
order
 
as
 
part
 
of
 
the
 
foreclosure
 
process
 
to
 
allow
 
for
 
the
disposal
 
of
 
the
 
asset
 
or
 
the
 
court
 
has
 
ordered
 
the
 
auction
 
of
 
the
 
property.
‘Properties
 
in
 
Possession
 
held
 
as
 
‘Other
 
Real
 
Estate
 
Owned’’
Properties
 
in
 
South
 
Africa,
 
where
 
the
 
bank
 
has
 
taken
 
legal
 
ownership
of
 
the
 
title
 
as
 
a
 
result
 
of
 
purchase
 
at
 
an
 
auction
 
or
 
similar
 
and
 
treated
 
as
 
‘Other
 
Real
 
Estate
 
Owned’
 
within
 
other
 
assets
 
on
 
the
bank’s
 
balance
 
sheet.
‘Proprietary
 
trading’
 
When
 
a
 
bank,
 
brokerage
 
or
 
other
 
financial
 
institution
 
trades
 
on
 
its
 
own
 
account,
 
at
 
its
 
own
 
risk,
 
rather
 
than
 
on
behalf
 
of
 
customers
 
,
 
so
 
as
 
to
 
make
 
a
 
profit
 
for
 
itself.
 
‘Prudential
 
Regulation
 
Authority
 
(PRA)’
 
The
 
statutory
 
body
 
responsible
 
for
 
the
 
prudential
 
supervision
 
of
 
banks,
 
building
 
societies,
insurers
 
and
 
a
 
small
 
number
 
of
 
significant
 
investment
 
banks
 
in
 
the
 
UK.
 
The
 
PRA
 
is
 
a
 
subsidiary
 
of
 
the
 
Bank
 
of
 
England.
 
‘Prudential
 
valuation
 
adjustment
 
(PVA)’
 
A
 
calculation
 
which
 
adjusts
 
the
 
accounting
 
values
 
of
 
positions
 
held
 
on
 
balance
 
sheet
 
at
 
fair
value
 
to
 
comply
 
with
 
regulatory
 
valuation
 
standards,
 
which
 
place
 
greater
 
emphasis
 
on
 
the
 
inherent
 
uncertainty
 
around
 
the
 
value
 
at
which
 
a
 
trading
 
book
 
position
 
could
 
be
 
exited.
‘Public
 
benchmark’
 
Unsecured
 
medium
 
term
 
notes
 
issued
 
in
 
public
 
syndicated
 
transactions.
 
‘Qualifying
 
central
 
bank
 
claims’
An
 
amount
 
calculated
 
in
 
line
 
with
 
the
 
PRA
 
policy
 
statement
 
allowing
 
banks
 
to
 
exclude
 
claims
 
on
 
the
central
 
bank
 
from
 
the
 
calculation
 
of
 
the
 
leverage
 
exposure
 
measure,
 
as
 
long
 
as
 
these
 
are
 
matched
 
by
 
deposits
 
denominated
 
in
 
the
same
 
currency
 
and
 
of
 
identical
 
or
 
longer
 
maturity.
 
‘Qualifying
 
Revolving
 
Retail
 
Exposure
 
(QRRE)’
 
In
 
the
 
context
 
of
 
the
 
IRB
 
approach
 
to
 
credit
 
risk
 
RWA
 
calculations,
 
an
 
exposure
meeting
 
the
 
criteria
 
set
 
out
 
in
 
BIPRU
 
4.6.42
 
R
 
(2).
 
It
 
includes
 
most
 
types
 
of
 
credit
 
card
 
exposure.
‘Rates’
 
In
 
the
 
context
 
of
 
Investment
 
Bank
 
income
 
analysis,
 
trading
 
revenue
 
relating
 
to
 
government
 
bonds
 
and
 
linear
 
interest
 
rate
derivatives.
‘Re
 
-aging’
The
 
returning
 
of
 
a
 
delinquent
 
account
 
to
 
up-to
 
-date
 
status
 
without
 
collecting
 
the
 
full
 
arrears
 
(principal,
 
interest
 
and
fees).
‘Real
 
Estate
 
Mortgage
 
Investment
 
Conduits
 
(REMICs)’
An
 
entity
 
that
 
holds
 
a
 
fixed
 
pool
 
of
 
mortgages
 
and
 
that
 
is
 
separated
 
into
multiple
 
classes
 
of
 
interests
 
for
 
issuance
 
to
 
investors.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
63
 
 
‘Recovery
 
book’
 
Represents
 
the
 
total
 
amount
 
of
 
exposure
 
which
 
has
 
been
 
transferred
 
to
 
recovery
 
units
 
who
 
set
 
and
 
implement
strategies
 
to
 
recover
 
the
 
Group’s
 
exposure.
 
‘Recovery
 
book
 
Impairment
 
Coverage
 
Ratio’
 
Impairment
 
allowance
 
held
 
against
 
recoveries
 
balances
 
express
 
ed
 
as
 
a
 
percentage
 
of
balance
 
in
 
recoveries.
 
‘Recovery
 
book
 
proportion
 
of
 
outstanding
 
balances’
 
Represents
 
the
 
amount
 
of
 
recoveries
 
(gross
 
month-end
 
customer
 
balances
 
of
all
 
accounts
 
that
 
have
 
charged
 
-off)
 
as
 
at
 
the
 
period
 
end
 
compared
 
to
 
total
 
outstanding
 
balances.
 
The
 
size
 
of
 
the
 
recoveries
 
book
would
 
ultimately
 
have
 
an
 
impact
 
on
 
the
 
overall
 
impairment
 
requirement
 
on
 
the
 
portfolio.
 
Balances
 
in
 
recoveries
 
will
 
decrease
 
if:
assets
 
are
 
written
 
-off;
 
amounts
 
are
 
collected;
 
or
 
assets
 
are
 
sold
 
to
 
a
 
third
 
party
 
(i.e.
 
debt
 
sale).
 
‘Regulatory
 
capital’
 
The
 
amount
 
of
 
capital
 
that
 
a
 
bank
 
holds
 
to
 
satisfy
 
regulatory
 
requirements.
 
‘Renegotiated
 
loans’
 
Loans
 
are
 
generally
 
renegotiated
 
either
 
as
 
part
 
of
 
an
 
ongoing
 
customer
 
relationship
 
or
 
in
 
response
 
to
 
an
adverse
 
change
 
in
 
the
 
circumstances
 
of
 
the
 
borrower.
 
In
 
the
 
latter
 
case
 
renegotiation
 
can
 
result
 
in
 
an
 
extension
 
of
 
the
 
due
 
date
 
of
payment
 
or
 
repayment
 
plans
 
under
 
which
 
the
 
Barclays
 
Bank
 
Group
 
offers
 
a
 
concessionary
 
rate
 
of
 
interest
 
to
 
genuinely
 
distressed
borrowers.
 
This
 
will
 
result
 
in
 
the
 
asset
 
continuing
 
to
 
be
 
overdue
 
and
 
will
 
be
 
individually
 
impaired
 
where
 
the
 
renegotiated
 
payments
of
 
interest
 
and
 
principal
 
will
 
not
 
recover
 
the
 
original
 
carrying
 
amount
 
of
 
the
 
asset.
 
In
 
other
 
cases,
 
renegotiation
 
will
 
lead
 
to
 
a
 
new
agreement,
 
which
 
is
 
treated
 
as
 
a
 
new
 
loan.
‘Repurchase
 
agreement
 
(Repo)’
 
/
 
‘Reverse
 
repurchase
 
agreement
 
(Reverse
 
repo)’
 
Arrangements
 
that
 
allow
 
counterparties
 
to
 
use
financial
 
securities
 
as
 
collateral
 
for
 
an
 
interest
 
bearing
 
cash
 
loan.
 
The
 
borrower
 
agrees
 
to
 
sell
 
a
 
security
 
to
 
the
 
lender
 
subject
 
to
 
a
commitment
 
to
 
repurchase
 
the
 
asset
 
at
 
a
 
specified
 
price
 
on
 
a
 
given
 
date.
 
For
 
the
 
party
 
selling
 
the
 
security
 
(and
 
agreeing
 
to
repurchase
 
it
 
in
 
the
 
future)
 
it
 
is
 
a
 
Repurchase
 
agreement
 
or
 
Repo;
 
for
 
the
 
counterp
 
arty
 
to
 
the
 
transaction
 
(buying
 
the
 
security
 
and
agreeing
 
to
 
sell
 
in
 
the
 
future)
 
it
 
is
 
a
 
Reverse
 
repurchase
 
agreement
 
or
 
Reverse
 
repo.
 
‘Reputation
 
risk’
 
The
 
risk
 
that
 
an
 
action,
 
transaction,
 
investment
 
or
 
event
 
will
 
reduce
 
trust
 
in
 
the
 
Barclays
 
Bank
 
Group’s
 
integrity
and
 
competence
 
by
 
clients,
 
counterparties,
 
investors,
 
regulators,
 
employees
 
or
 
the
 
public.
‘Re
 
-securitisations’
 
The
 
repackaging
 
of
 
Securitised
 
Products
 
into
 
securities.
 
The
 
resulting
 
securities
 
are
 
therefore
 
securitisation
positions
 
where
 
the
 
underlying
 
assets
 
are
 
also
 
predominantly
 
securitisation
 
positions.
 
‘Reserve
 
Capital
 
Instruments
 
(RCIs)’
 
Hybrid
 
issued
 
capit
 
al
 
securities
 
which
 
may
 
be
 
debt
 
or
 
equity
 
accounted,
 
depending
 
on
 
the
terms.
 
‘Residential
 
Mortgage
 
-Backed
 
Securities
 
(RMBS)’
 
Securities
 
that
 
represent
 
interests
 
in
 
a
 
group
 
of
 
residential
 
mortgages.
 
Investors
 
in
these
 
securities
 
have
 
the
 
right
 
to
 
cash
 
received
 
from
 
future
 
mortgage
 
payments
 
(interest
 
and/or
 
principal).
 
‘Residual
 
maturity’
The
 
remaining
 
contractual
 
term
 
of
 
a
 
credit
 
obligation
 
associated
 
with
 
a
 
credit
 
exposure.
‘Restructured
 
loans’
 
Comprises
 
loans
 
where,
 
for
 
economic
 
or
 
legal
 
reasons
 
related
 
to
 
the
 
debtor’s
 
financial
 
difficulties,
 
a
 
concession
has
 
been
 
granted
 
to
 
the
 
debtor
 
that
 
would
 
not
 
otherwise
 
be
 
considered.
 
Where
 
the
 
concession
 
results
 
in
 
the
 
expected
 
cash
 
flows
discounted
 
at
 
the
 
original
 
effective
 
interest
 
rate
 
being
 
less
 
than
 
the
 
loan’s
 
carrying
 
value,
 
an
 
impairment
 
allowance
 
will
 
be
 
raised.
 
‘Retail
 
Loans’
 
Loans
 
to
 
individuals
 
or
 
small
 
and
 
medium
 
sized
 
enterprises
 
rather
 
than
 
to
 
financial
 
institutions
 
and
 
larger
 
businesses.
It
 
includes
 
both
 
secured
 
and
 
unsecured
 
loans
 
such
 
as
 
mortgages
 
and
 
credit
 
card
 
balances,
 
as
 
well
 
as
 
loans
 
to
 
certain
 
smaller
business
 
customers,
 
typically
 
with
 
exposures
 
up
 
to
 
£3m
 
or
 
with
 
a
 
turnover
 
up
 
to
 
£5m.
 
‘Return
 
on
 
average
 
Risk
 
Weighted
 
Assets’
 
Stat
 
utory
 
profit
 
after
 
tax
 
as
 
a
 
proportion
 
of
 
average
 
RWAs.
 
‘Return
 
on
 
average
 
tangible
 
shareholders’
 
equity’
 
(RoTE)
 
Annualised
profit
 
after
 
tax
 
attributable
 
to
 
ordinary
 
equity
 
holders
 
of
 
the
parent,
 
as
 
a
 
proportion
 
of
 
average
 
shareholders’
 
equity
 
excluding
 
non-controlling
 
interests
 
and
 
other
 
equity
 
instruments
 
adjusted
for
 
the
 
deduction
 
of
 
intangible
 
assets
 
and
 
goodwill.
 
 
‘Return
 
on
 
average
 
allocated
 
tangible
 
equity’
 
Annualised
profit
 
after
 
tax
 
attributable
 
to
 
ordinary
 
equity
 
holders
 
of
 
the
 
parent,
 
as
 
a
proportion
 
of
 
average
 
allocated
 
tangible
 
equity.
‘Risk
 
appetite’
 
The
 
level
 
of
 
risk
 
that
 
Barclays
 
Bank
 
Group
 
is
 
prepared
 
to
 
accept
 
whilst
 
pursuing
 
its
 
business
 
strategy,
 
recognising
 
a
range
 
of
 
possible
 
outcomes
 
as
 
business
 
plans
 
are
 
implemented.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
64
 
 
‘Risk
 
weighted
 
assets
 
(RWAs)’
 
A
 
measure
 
of
 
a
 
bank’s
 
assets
 
adjusted
 
for
 
their
 
associated
 
risks.
 
Risk
 
weightings
 
are
 
established
 
in
accordance
 
with
 
the
 
Basel
 
rules
 
as
 
implemented
 
by
 
CRR
 
and
 
local
 
regulators.
‘Risks
 
not
 
in
 
VaR
 
(RNIVS)’
 
Refers
 
to
 
all
 
the
 
key
 
market
 
risks
 
which
 
are
 
not
 
captured
 
or
 
not
 
well
 
captured
 
within
 
the
 
VaR
 
model
framework.
‘Sarbanes-Oxley
 
requirements’
 
The
 
Sarbanes-Oxley
 
Act
 
2002
 
(SOX),
 
which
 
was
 
introduced
 
by
 
the
 
US
 
Government
 
to
 
safeguard
against
 
corporate
 
governance
 
scandals
 
such
 
as
 
Enron,
 
WorldCom
 
and
 
Tyco.
 
All
 
US-listed
 
companies
 
must
 
comply
 
with
 
SOX.
‘Second
 
Lien’
 
Debt
 
that
 
is
 
issued
 
against
 
the
 
same
 
collateral
 
as
 
higher
 
lien
 
debt
 
but
 
that
 
is
 
subordinate
 
to
 
it.
 
In
 
the
 
case
 
of
 
default,
compensation
 
for
 
this
 
debt
 
will
 
only
 
be
 
received
 
after
 
the
 
first
 
lien
 
has
 
been
 
repaid
 
and
 
thus
 
represents
 
a
 
riskier
 
investm
 
ent
 
than
the
 
first
 
lien.
 
‘Secondary
 
Stress
 
Tests’
 
Secondary
 
stress
 
tests
 
are
 
used
 
in
 
measuring
 
potential
 
losses
 
arising
 
from
 
illiquid
 
market
 
risks
 
that
 
cannot
be
 
hedged
 
or
 
reduced
 
within
 
the
 
time
 
period
 
covered
 
in
 
Primary
 
Stress
 
Tests.
‘Secured
 
Overnight
 
Financing
 
Rate
 
(SOFR)’
A
 
broad
 
measure
 
of
 
the
 
cost
 
of
 
borrowing
 
cash
 
overnight
 
collateralized
 
by
 
U.S.
 
Treasury
securities
 
in
 
the
 
repurchase
 
agreement
 
(repo)
 
market.
 
 
‘Securities
 
Financing
 
Transactions
 
(SFT)’
 
In
 
the
 
context
 
of
 
RWAs,
 
any
 
of
 
the
 
following
 
transactions:
 
a
 
repurchase
 
transaction,
 
a
securities
 
or
 
commodities
 
lending
 
or
 
borrowing
 
transaction,
 
or
 
a
 
margin
 
lending
 
transaction
 
whereby
 
cash
 
collateral
 
is
 
received
 
or
paid
 
in
 
respect
 
of
 
the
 
transfer
 
of
 
a
 
related
 
asset.
 
‘Securities
 
financing
 
transactions
 
adjustments’
 
In
 
the
 
context
 
of
 
leverage
 
ratio,
 
a
 
regulatory
 
add-
 
on
 
calculated
 
as
 
exposure
 
less
collateral,
 
taking
 
into
 
account
 
master
 
netting
 
agreements.
‘Securities
 
lending
 
arrangements’
 
Arrangements
 
whereby
 
securities
 
are
 
legally
 
transferred
 
to
 
a
 
third
 
party
 
subject
 
to
 
an
 
agreement
to
 
return
 
them
 
at
 
a
 
future
 
date.
 
The
 
counterparty
 
generally
 
provides
 
collateral
 
against
 
non
 
performance
 
in
 
the
 
form
 
of
 
cash
 
or
other
 
assets.
 
‘Securitisation’
 
Typically,
 
a
 
process
 
by
 
which
 
debt
 
instruments
 
such
 
as
 
mortgage
 
loans
 
or
 
credit
 
card
 
balances
 
are
 
aggregated
 
into
 
a
pool,
 
which
 
is
 
used
 
to
 
back
 
new
 
securities.
 
A
 
company
 
sells
 
assets
 
to
 
a
 
special
 
purpose
 
vehicle
 
(SPV)
 
which
 
then
 
issues
 
securities
backed
 
by
 
the
 
assets.
 
This
 
allows
 
the
 
credit
 
quality
 
of
 
the
 
assets
 
to
 
be
 
separated
 
from
 
the
 
credit
 
rating
 
of
 
the
 
original
 
borrower
 
and
transfers
 
risk
 
to
 
external
 
investors.
 
‘Set-off
 
clauses’
 
In
 
the
 
context
 
of
 
Counterparty
 
credit
 
risk,
 
contract
 
clauses
 
that
 
allow
 
Barclays
 
Bank
 
Group
 
to
 
set
 
off
 
amounts
 
owed
to
 
us
 
by
 
a
 
counterparty
 
against
 
amounts
 
owed
 
by
 
us
 
to
 
the
 
counterparty.
‘Settlement
 
balances’
 
Are
 
receivables
 
or
 
payables
 
recorded
 
between
 
the
 
date
 
(the
 
trade
 
date)
 
a
 
financial
 
instrument
 
(such
 
as
 
a
bond)
 
is
 
sold,
 
purchased
 
or
 
otherwise
 
closed
 
out,
 
and
 
the
 
date
 
the
 
asset
 
is
 
delivered
 
by
 
or
 
to
 
the
 
entity
 
(the
 
settlement
 
date)
 
and
cash
 
is
 
received
 
or
 
paid.
‘Settlement
 
risk’
 
The
 
risk
 
that
 
settlement
 
in
 
a
 
transfer
 
system
 
will
 
not
 
take
 
place
 
as
 
expected,
 
usually
 
owing
 
to
 
a
 
party
 
defaulting
 
on
one
 
or
 
more
 
settlement
 
obligations.
‘Significant
 
Increase
 
in
 
Credit
 
Risk
 
(SICR)’
 
Barclays
 
Bank
 
Group
 
assesses
 
when
 
a
 
significant
 
increase
 
in
 
credit
 
risk
 
has
 
occurred
 
based
on
 
quantitative
 
and
 
qualitative
 
assessments.
‘Slotting’
 
Slotting
 
is
 
a
 
Basel
 
2
 
approach
 
that
 
requires
 
a
 
standard
 
set
 
of
 
rules
 
to
 
be
 
used
 
in
 
the
 
calculation
 
of
 
RWAs,
 
based
 
upon
 
an
assessment
 
of
 
factors
 
such
 
as
 
the
 
financial
 
strength
 
of
 
the
 
counterparty.
 
The
 
requirements
 
for
 
the
 
application
 
of
 
the
 
Slotting
approach
 
are
 
detailed
 
in
 
BIPRU
 
4.5.
‘Sovereign
 
exposure(s)’
 
Exposures
 
to
 
central
 
governments,
 
including
 
holdings
 
in
 
government
 
bonds
 
and
 
local
 
government
 
bonds.
 
‘Specific
 
market
 
risk’
 
A
 
risk
 
that
 
is
 
due
 
to
 
the
 
individual
 
nature
 
of
 
an
 
asset
 
and
 
can
 
potentially
 
be
 
diversified
 
or
 
the
 
risk
 
of
 
a
 
price
change
 
in
 
an
 
investment
 
due
 
to
 
factors
 
related
 
to
 
the
 
issuer
 
or,
 
in
 
the
 
case
 
of
 
a
 
derivative,
 
the
 
issuer
 
of
 
the
 
underlying
 
investment.
‘Spread
 
risk’
 
Measures
 
the
 
impact
 
of
 
changes
 
to
 
the
 
swap
 
spread,
 
i.e.
 
the
 
difference
 
between
 
swap
 
rates
 
and
 
government
 
bond
yields.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
65
 
 
‘SRB
 
ALRB’
 
The
 
systemic
 
risk
 
buffer
 
(SRB)
 
additional
 
leverage
 
ratio
 
buffer
 
(ALRB)
 
is
 
firm
 
specific
 
requirement
 
set
 
by
 
the
 
PRA
 
using
 
its
powers
 
under
 
section
 
55M
 
of
 
the
 
Financial
 
Services
 
and
 
Markets
 
Act
 
(2000).
 
Barclays
 
Bank
 
PLC
 
is
 
required
 
to
 
hold
 
an
 
amount
 
of
CET1
 
capital
 
that
 
is
 
equal
 
to
 
or
 
greater
 
than
 
its
 
ALRB.
 
‘Stage
 
1’
 
This
 
represents
 
financial
 
instruments
 
where
 
the
 
credit
 
risk
 
of
 
the
 
financial
 
instrument
 
has
 
not
 
increased
 
significantly
 
since
initial
 
recognition.
 
Stage
 
1
 
financial
 
instruments
 
are
 
required
 
to
 
recognise
 
a
 
12
 
month
 
expected
 
credit
 
loss
 
allowance.
‘Stage
 
2’
 
This
 
represents
 
financial
 
instruments
 
where
 
the
 
credit
 
risk
 
of
 
the
 
financial
 
instrument
 
has
 
increased
 
significantly
 
since
initial
 
recognition.
 
Stage
 
2
 
financial
 
instruments
 
are
 
re
 
quired
 
to
 
recognise
 
a
 
lifetime
 
expected
 
credit
 
loss
 
allowance.
‘Stage
 
3’
 
This
 
represents
 
financial
 
instruments
 
where
 
the
 
financial
 
instrument
 
is
 
considered
 
impaired.
 
Stage
 
3
 
financial
 
instruments
are
 
required
 
to
 
recognise
 
a
 
lifetime
 
expected
 
credit
 
loss
 
allowance.
‘Standard
 
&
 
Poor’s’
 
A
 
credit
 
rating
 
agency.
 
‘Standby
 
facilities,
 
credit
 
lines
 
and
 
other
 
commitments’
 
Agreements
 
to
 
lend
 
to
 
a
 
customer
 
in
 
the
 
future,
 
subject
 
to
 
certain
conditions.
 
Such
 
commitments
 
are
 
either
 
made
 
for
 
a
 
fixed
 
period,
 
or
 
have
 
no
 
specific
 
maturity
 
but
 
are
 
cancellable
 
by
 
the
 
lender
subject
 
to
 
notice
 
requirements.
 
‘Statutory’
 
Line
 
items
 
of
 
income,
 
expense,
 
profit
 
or
 
loss,
 
assets,
 
liabilities
 
or
 
equity
 
stated
 
in
 
accordance
 
with
 
the
 
requirements
 
of
the
 
UK
 
Companies
 
Act
 
2006
 
and
 
the
 
requirements
 
of
 
International
 
Financial
 
Reporting
 
Standards
 
(IFRS).
‘Statutory
 
return
 
on
 
average
 
shareholders’
 
equity’
 
Statutory
 
profit
 
after
 
tax
 
attributable
 
to
 
ordinary
 
shareholders
 
as
 
a
 
proportion
 
of
average
 
shareholders’
 
equity.
 
‘STD’
 
/
 
‘Standardised
 
Approach’
 
A
 
method
 
of
 
calculating
 
RWAs
 
that
 
relies
 
on
 
a
 
mandatory
 
framework
 
set
 
by
 
the
 
regulator
 
to
 
derive
risk
 
weights
 
based
 
on
 
counterparty
 
type
 
and
 
a
 
credit
 
rating
 
provided
 
by
 
an
 
External
 
Credit
 
Assessment
 
Institute.
 
‘Sterling
 
Over
 
Night
 
Index
 
Average
 
(SONIA)’
 
Reflects
 
bank
 
and
 
building
 
societies’
 
wholesale
 
overnight
 
funding
 
rates
 
in
 
the
 
sterling
unsecured
 
market
 
administrated
 
and
 
calculated
 
by
 
the
 
Bank
 
of
 
England.
‘Stress
 
Testing’
 
A
 
process
 
which
 
involves
 
identifying
 
possible
 
future
 
adverse
 
events
 
or
 
changes
 
in
 
economic
 
conditions
 
that
 
could
have
 
unfavourable
 
effects
 
on
 
the
 
Barclays
 
Bank
 
Group
 
(either
 
financial
 
or
 
non-financial),
 
assessing
 
the
 
Barclays
 
Bank
 
Group’s
 
ability
to
 
withstand
 
such
 
changes,
 
and
 
identifying
 
management
 
actions
 
to
 
mitigate
 
the
 
impact.
 
‘Stressed
 
Value
 
at
 
Risk
 
(SVaR)’
An
 
estimate
 
of
 
the
 
potential
 
loss
 
arising
 
from
 
a
 
12-month
 
period
 
of
 
significant
 
financial
 
stress
calibrated
 
to
 
99%
 
confidence
 
level
 
over
 
a
 
10-day
 
holding
 
period.
‘Structured
 
entity’
 
An
 
entity
 
in
 
which
 
voting
 
or
 
similar
 
rights
 
are
 
not
 
the
 
dominant
 
factor
 
in
 
deciding
 
control.
 
Structured
 
entities
 
are
generally
 
created
 
to
 
achieve
 
a
 
narrow
 
and
 
well
 
defined
 
objective
 
with
 
restrictions
 
around
 
their
 
ongoing
 
activities.
‘Structural
 
hedge’
 
/
 
‘hedging’
 
An
 
interest
 
rate
 
hedge
 
in
 
place
 
to
 
reduce
 
earnings
 
volatility
 
and
 
to
 
smoothen
 
the
 
income
 
over
 
a
medium/long
 
term
 
on
 
positions
 
that
 
exist
 
within
 
the
 
balance
 
sheet
 
and
 
do
 
not
 
re-
 
price
 
in
 
line
 
with
 
market
 
rates.
 
See
 
also
 
‘Equity
structural
 
hedge’
 
and
 
‘Product
 
structural
 
hedge’.
 
‘Structural
 
model
 
of
 
default’
A
 
model
 
based
 
on
 
the
 
assumption
 
that
 
an
 
obligor
 
will
 
default
 
when
 
its
 
assets
 
are
 
insufficient
 
to
 
cover
its
 
liabilities.
‘Structured
 
credit’
 
Includes
 
legacy
 
structured
 
credit
 
portfolio
 
primarily
 
comprising
 
derivative
 
exposure
 
and
 
financing
 
exposure
 
to
structured
 
credit
 
vehicles.
‘Structured
 
finance/notes’
 
A
 
structured
 
note
 
is
 
an
 
investment
 
tool
 
that
 
pays
 
a
 
return
 
linked
 
to
 
the
 
value
 
or
 
level
 
of
 
a
 
specified
 
asset
or
 
index
 
and
 
sometimes
 
offers
 
capital
 
protection
 
if
 
the
 
value
 
declines.
 
Structured
 
notes
 
can
 
be
 
linked
 
to
 
equities,
 
interest
 
rates,
funds,
 
commodities
 
and
 
foreign
 
currency.
‘Sub-prime’
 
Sub-
 
prime
 
is
 
defined
 
as
 
loans
 
to
 
borrowers
 
typically
 
having
 
weakened
 
credit
 
histories
 
that
 
include
 
payment
delinquencies
 
and
 
potentia
 
lly
 
more
 
severe
 
problems
 
such
 
as
 
court
 
judgments
 
and
 
bankruptcies.
 
They
 
may
 
also
 
display
 
reduced
repayment
 
capacity
 
as
 
measured
 
by
 
credit
 
scores,
 
high
 
debt-to
 
-income
 
ratios,
 
or
 
other
 
criteria
 
indicating
 
heightened
 
risk
 
of
 
default.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
66
 
 
‘Subordinated
 
liabilities’
 
Liabilities
 
which,
 
in
 
the
 
event
 
of
 
insolvency
 
or
 
liquidation
 
of
 
the
 
issuer,
 
are
 
subordinated
 
to
 
the
 
claims
 
of
depositors
 
and
 
other
 
creditors
 
of
 
the
 
issuer.
 
‘Supranational
 
bonds’
 
Bonds
 
issued
 
by
 
an
 
international
 
organisation,
 
where
 
membership
 
transcends
 
national
 
boundaries
 
(e.g.
 
the
European
 
Union
 
or
 
World
 
Trade
 
Organisation).
‘Synthetic
 
Securitisation
 
Transactions’
 
Securitisation
 
transactions
 
effected
 
through
 
the
 
use
 
of
 
derivatives.
‘Systemic
 
Risk
 
Buffer’
 
CET1
 
capital
 
that
 
may
 
be
 
required
 
to
 
be
 
held
 
as
 
part
 
of
 
the
 
Combined
 
Buffer
 
Requirement
 
increasing
 
the
capacity
 
of
 
UK
 
banks
 
to
 
absorb
 
stress
 
and
 
limiting
 
the
 
damage
 
to
 
the
 
economy
 
as
 
a
 
result
 
of
 
restricted
 
lending.
‘Tangible
 
net
 
asset
 
value
 
(TNAV)’
 
Shareholders’
 
equity
 
excluding
 
non-controllin
 
g
 
interests
 
adjusted
 
for
 
the
 
deduction
 
of
 
intangible
assets
 
and
 
goodwill.
 
‘Tangible
 
net
 
asset
 
value
 
per
 
share’
 
Calculated
 
by
 
dividing
 
shareholders’
 
equity,
 
excluding
 
non-controlling
 
interests
 
and
 
other
equity
 
instruments,
 
less
 
goodwill
 
and
 
intangible
 
assets,
 
by
 
the
 
number
 
of
 
issued
 
ordinary
 
shares.
 
‘Tangible
 
shareholders’
 
equity’
 
Shareholders’
 
equity
 
excluding
 
non-controlling
 
interests
 
and
 
other
 
equity
 
instruments
 
adjusted
 
for
the
 
deduction
 
of
 
intangible
 
assets
 
and
 
goodwill.
 
‘Term
 
premium’
 
Additional
 
interest
 
required
 
by
 
investors
 
to
 
hold
 
assets
 
with
 
a
 
longer
 
period
 
to
 
maturity.
 
‘The
 
Fundamental
 
Review
 
of
 
the
 
Trading
 
Book
 
(FRTB)’
 
Is
 
a
 
comprehensive
 
suite
 
of
 
capital
 
rules
 
developed
 
by
 
the
 
Basel
 
Committee
on
 
Banking
 
Supervision
 
as
 
part
 
of
 
Basel
 
III
 
applicable
 
to
 
banks’
 
wholesale
 
trading
 
activities.
‘The
 
Standardised
 
Approach
 
(TSA)’
Under
 
the
 
TSA,
 
banks
 
are
 
required
 
to
 
hold
 
regulatory
 
capital
 
for
 
operational
 
risk
 
equal
 
to
 
the
annual
 
average,
 
calculated
 
over
 
a
 
rolling
 
three-year
 
period,
 
of
 
the
 
relevant
 
income
 
indicator
 
(across
 
all
 
business
 
lines),
 
multiplied
 
by
a
 
supervisory
 
defined
 
percentage
 
factor
 
by
 
business
 
lines.
 
‘The
 
three
 
lines
 
of
 
defence’
The
 
three
 
lines
 
of
 
defence
 
operating
 
model
 
enables
 
Barclays
 
Bank
 
Group
 
to
 
separate
 
risk
 
management
activities
 
between
 
those
 
client
 
facing
 
areas
 
of
 
the
 
Barclays
 
Bank
 
Group
 
and
 
associated
 
support
 
functions
 
responsible
 
for
 
identifying
risk,
 
operating
 
within
 
applicable
 
limits
 
and
 
escalating
 
risk
 
events
 
(first
 
line);
 
colleagues
 
in
 
Risk
 
and
 
Compliance
 
who
 
establish
 
the
limits,
 
rules
 
and
 
constraints
 
under
 
which
 
the
 
first
 
line
 
operates
 
and
 
monitors
 
their
 
performance
 
against
 
those
 
limits
 
and
 
constraints
(second
 
line);
 
and,
 
colleagues
 
in
 
Internal
 
Audit
 
who
 
provide
 
assurance
 
to
 
the
 
Board
 
and
 
Executive
 
Management
 
over
 
the
effectiveness
 
of
 
governance,
 
risk
 
management
 
and
 
control
 
over
 
risks
 
(third
 
line).
 
The
 
Legal
 
function
 
does
 
not
 
sit
 
in
 
any
 
of
 
the
 
three
lines,
 
but
 
supports
 
them
 
all.
 
The
 
Legal
 
function
 
is,
 
however,
 
subject
 
to
 
oversight
 
from
 
Risk
 
and
 
Compliance
 
with
 
respect
 
to
operational
 
and
 
conduct
 
risks.
‘Tier
 
1
 
capital’
 
The
 
sum
 
of
 
the
 
Common
 
Equity
 
Tier
 
1
 
capital
 
and
 
Additional
 
Tier
 
1
 
capital.
 
‘Tier
 
1
 
capital
 
ratio’
 
The
 
ratio
 
which
 
expresses
 
Tier
 
1
 
capital
 
as
 
a
 
percentage
 
of
 
RWAs
 
under
 
CRR.
 
‘Tier
 
2
 
(T2)
 
capita
l’
 
A
 
type
 
of
 
capital
 
as
 
defined
 
in
 
the
 
CRR
 
principally
 
composed
 
of
 
capital
 
instruments,
 
subordinated
 
loans
 
and
share
 
premium
 
accounts
 
where
 
qualifying
 
conditions
 
have
 
been
 
met.
‘Tier
 
2
 
(T2)
 
securities’
 
Securities
 
that
 
are
 
treated
 
as
 
Tier
 
2
 
(T2)
 
capital
 
in
 
the
 
context
 
of
 
CRR.
 
‘Total
 
capital
 
ratio’
Total
 
Regulatory
 
capital
 
as
 
a
 
percentage
 
of
 
RWAs.
‘Total
 
Loss
 
Absorbing
 
Capacity
 
(TLAC)’
 
A
 
standard
 
published
 
by
 
the
 
FSB
 
which
 
is
 
applicable
 
to
 
G-SIBs
 
and
 
requires
 
a
 
G-SIB
 
to
 
hold
 
a
prescriptive
 
minimum
 
level
 
of
 
instruments
 
and
 
liabilities
 
that
 
should
 
be
 
readily
 
available
 
for
 
bail-in
 
within
 
resolution
 
to
 
absorb
losses
 
and
 
recapitalise
 
the
 
institution.
‘Total
 
outstanding
 
balance’
In
 
retail
 
banking,
 
total
 
outstanding
 
balance
 
is
 
defined
 
as
 
the
 
gross
 
month-end
 
customer
 
balances
 
on
 
all
accounts
 
including
 
accounts
 
charged
 
off
 
to
 
recoveries.
 
‘Total
 
return
 
swap’
 
An
 
instrument
 
whereby
 
the
 
seller
 
of
 
pro
 
tection
 
receives
 
the
 
full
 
return
 
of
 
the
 
asset,
 
including
 
both
 
the
 
income
and
 
change
 
in
 
the
 
capital
 
value
 
of
 
the
 
asset.
 
The
 
buyer
 
of
 
the
 
protection
 
in
 
return
 
receives
 
a
 
predetermined
 
amount.
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
67
 
 
‘Total
 
balances
 
on
 
forbearance
 
programmes
 
coverage
 
ratio’
 
Impairment
 
allowance
 
held
 
against
 
Forbearance
 
balances
 
expressed
 
as
a
 
percentage
 
of
 
balance
 
in
 
forbearance.
‘Traded
 
Market
 
Risk’
The
 
risk
 
of
 
a
 
reduction
 
to
 
earnings
 
or
 
capital
 
due
 
to
 
volatility
 
of
 
trading
 
book
 
positions.
 
‘Trading
 
book’
All
 
positions
 
in
 
financial
 
instruments
 
and
 
commodities
 
held
 
by
 
an
 
institution
 
either
 
with
 
trading
 
intent,
 
or
 
in
 
order
 
to
hedge
 
positions
 
held
 
with
 
trading
 
intent.
‘Traditional
 
Securitisation
 
Transactions’
 
Securitisation
 
transactions
 
in
 
which
 
an
 
underlying
 
pool
 
of
 
assets
 
generates
 
cash
 
flows
 
to
service
 
payments
 
to
 
investors.
‘Transitional’
 
When
 
a
 
measure
 
is
 
presented
 
or
 
described
 
as
 
being
 
on
 
a
 
transitional
 
basis,
 
it
 
is
 
calculated
 
in
 
accordance
 
with
 
the
transitional
 
provisions
 
set
 
out
 
in
 
Part
 
Ten
 
of
 
CRR.
‘Treasury
 
and
 
Capital
 
Risk’
 
This
 
comprises
 
of
 
Liquidity
 
Risk,
 
Capital
 
Risk
 
and
 
Interest
 
Rate
 
Risk
 
in
 
the
 
Banking
 
Book.
‘Twelve
 
month
 
expected
 
credit
 
losses’
 
The
 
portion
 
of
 
the
 
lifetime
 
ECL
 
arising
 
if
 
default
 
occurs
 
within
 
12
 
months
 
of
 
the
 
reporting
date
 
(or
 
shorter
 
period
 
if
 
the
 
expected
 
life
 
is
 
less
 
than
 
12
 
months),
 
weighted
 
by
 
the
 
probability
 
of
 
said
 
default
 
occurring.
‘Twelve
 
month
 
PD’
 
The
 
likelihood
 
of
 
accounts
 
entering
 
default
 
within
 
12
 
months
 
of
 
the
 
reporting
 
date.
‘Unencumbered’
 
Assets
 
not
 
used
 
to
 
secure
 
liabilities
 
or
 
otherwise
 
pledged.
 
‘United
 
Kingdom
 
(UK)’
 
Geographic
 
segment
 
where
 
Barclays
 
Bank
 
Group
 
operates
 
comprising
 
the
 
UK.
 
Also
 
see
 
‘Europe’.
 
‘UK
 
Bank
 
levy’
 
A
 
levy
 
that
 
applies
 
to
 
UK
 
banks,
 
building
 
societies
 
and
 
the
 
UK
 
operations
 
of
 
foreign
 
banks.
 
The
 
levy
 
is
 
payable
 
based
on
 
a
 
percentage
 
of
 
the
 
chargeable
 
equity
 
and
 
liabilities
 
of
 
the
 
bank
 
on
 
its
 
balance
 
sheet
 
date.
 
‘UK
 
leverage
 
exposure’
Is
 
calculated
 
as
 
per
 
the
 
PRA
 
rulebook,
 
where
 
the
 
exposure
 
calculation
 
also
 
includes
 
the
 
FPC’s
recommendation
 
to
 
allow
 
banks
 
to
 
exclude
 
claims
 
on
 
the
 
central
 
bank
 
from
 
the
 
calculation
 
of
 
the
 
leverage
 
exposure
 
measure,
 
as
long
 
as
 
these
 
are
 
matched
 
by
 
deposits
 
denominated
 
in
 
the
 
same
 
currency
 
and
 
of
 
identical
 
or
 
longer
 
maturity.
‘UK
 
levera
 
ge
 
ratio’
As
 
per
 
the
 
PRA
 
rulebook,
 
means
 
a
 
bank’s
 
tier
 
1
 
capital
 
divided
 
by
 
its
 
total
 
exposure
 
measure,
 
with
 
this
 
ratio
expressed
 
as
 
a
 
percentage.
‘Unfunded
 
credit
 
protection’
 
Is
 
a
 
technique
 
of
 
credit
 
risk
 
mitigation
 
where
 
the
 
reduction
 
of
 
the
 
credit
 
risk
 
on
 
the
 
exposure
 
of
 
an
institution
 
derives
 
from
 
the
 
obligation
 
of
 
a
 
third
 
party
 
to
 
pay
 
an
 
amount
 
in
 
the
 
event
 
of
 
the
 
default
 
of
 
the
 
borrower
 
or
 
the
occurrence
 
of
 
other
 
specified
 
credit
 
events.
‘US
 
Partner
 
Portfolio’
 
Co-branded
 
credit
 
card
 
programs
 
with
 
comp
 
anies
 
across
 
various
 
sectors
 
including
 
travel,
 
entertainment,
retail
 
and
 
financial
 
sectors.
 
‘US
 
Residential
 
Mortgages’
 
Securities
 
that
 
represent
 
interests
 
in
 
a
 
group
 
of
 
US
 
residential
 
mortgages.
 
‘Valuation
 
weighted
 
Loan
 
to
 
Value
 
(LTV)
 
Ratio’
 
In
 
the
 
contex
 
t
 
of
 
credit
 
risk
 
disclosures
 
on
 
secured
 
home
 
loans,
 
a
 
means
 
of
calculating
 
marked
 
to
 
market
 
LTVs
 
derived
 
by
 
comparing
 
total
 
outstanding
 
balance
 
and
 
the
 
value
 
of
 
total
 
collateral
 
we
 
hold
 
against
these
 
balances.
 
Valuation
 
weighted
 
loan
 
to
 
value
 
is
 
calculated
 
using
 
the
 
following
 
formula:
 
LTV
 
=
 
total
 
outstandings
 
in
portfolio/total
 
property
 
values
 
of
 
total
 
outstandings
 
in
 
portfolio.
‘Value
 
at
 
Risk
 
(VaR)’
 
A
 
measure
 
of
 
the
 
potential
 
loss
 
of
 
value
 
arising
 
from
 
unfavourable
 
market
 
movements
 
at
 
a
 
specific
 
confidence
level
 
and
 
within
 
a
 
specific
 
timeframe.
‘Weighted
 
off
 
balance
 
sheet
 
commitments’
 
Regulatory
 
add-ons
 
to
 
the
 
leverage
 
exposure
 
measure
 
based
 
on
 
credit
 
conversion
factors
 
used
 
in
 
the
 
Standardised
 
Approach
 
to
 
credit
 
risk.
‘Wholesale
 
loans’
 
/
 
‘lending’
 
Lending
 
to
 
larger
 
businesses,
 
financial
 
institutions
 
and
 
sovereign
 
entities.
 
 
 
bbplch120p2i0.gif
Glossary
 
of
 
Terms
 
 
 
 
Barclays
 
Bank
 
PLC
 
68
 
 
‘Write
 
-off
 
(gross)’
 
The
 
point
 
where
 
it
 
is
 
determined
 
that
 
an
 
asset
 
is
 
irrecov
 
erable,
 
or
 
it
 
is
 
no
 
longer
 
considered
 
economically
 
viable
to
 
try
 
to
 
recover
 
the
 
asset
 
or
 
it
 
is
 
deemed
 
immaterial
 
or
 
full
 
and
 
final
 
settlement
 
is
 
reached
 
and
 
the
 
shortfall
 
written
 
off.
 
In
 
the
event
 
of
 
write-off,
 
the
 
customer
 
balance
 
is
 
removed
 
from
 
the
 
balance
 
sheet
 
and
 
the
 
impairment
 
allowance
 
held
 
against
 
the
 
asset
 
is
released.
 
Net
 
write-offs
 
represent
 
gross
 
write-offs
 
less
 
post
 
write
 
-
 
off
 
recoveries.
 
‘Wrong
 
-way
 
risk’
Arises,
 
in
 
a
 
trading
 
exposure,
 
when
 
there
 
is
 
significant
 
correlation
 
between
 
the
 
underlying
 
asset
 
and
 
the
counterparty,
 
which
 
in
 
the
 
event
 
of
 
default
 
would
 
lead
 
to
 
a
 
significant
 
mark
 
to
 
market
 
loss.
 
When
 
assessing
 
the
 
credit
 
exposure
 
of
 
a
wrong
 
-way
 
trade,
 
analysts
 
take
 
into
 
account
 
the
 
correlation
 
between
 
the
 
counterparty
 
and
 
the
 
underlying
 
asset
 
as
 
part
 
of
 
the
sanctioning
 
process.
 
 EX-99.2 3 h120ex992.htm EX-99.2 h120ex992
 
 
bbplch120p2i0.gif
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Exhibit
 
99.2
 
–
 
Capitalisation
 
and
 
Indebtedness
 
 
 
 
Barclays
 
Bank
 
PLC
 
69
 
 
The
 
following
 
table
 
sets
 
out
 
the
 
Barclays
 
Bank
 
Group’s
 
capitalisation,
 
indebtedness
 
and
 
contingent
 
liabilities
 
on
 
a
 
consolidated
basis,
 
in
 
accordance
 
with
 
IFRS,
 
as
 
at
 
30
 
June
 
2020.
 
As
 
at
30.06.20
000
Share
 
Capital
 
of
 
Barclays
 
Bank
 
PLC
Ordinary
 
shares
 
-
 
issued
 
and
 
fully
 
paid
 
shares
 
of
 
£1
 
each
2,342,559
Preference
 
shares
 
-
 
issued
 
and
 
fully
 
paid
 
shares
 
of
 
£1
 
each
1
Preference
 
shares
 
-
 
issued
 
and
 
fully
 
paid
 
shares
 
of
 
U.S.$100
 
each
58
Preference
 
shares
 
-
 
issued
 
and
 
fully
 
paid
 
shares
 
of
 
€100
 
each
32
£m
Group
 
equity
Called
 
up
 
share
 
capital
 
and
 
share
 
premium
2,348
Other
 
equity
 
instruments
8,323
Other
 
reserves
6,319
Retained
 
earnings
39,704
Total
 
equity
56,694
Group
 
indebtedness
Subordinated
 
liabilities
36,965
Debt
 
securities
 
in
 
issue
50,496
Total
 
indebtedness
87,461
Total
 
capitalisation
 
and
 
indebtedness
144,155
Group
 
contingent
 
liabilities
 
and
 
commitments
Guarantees
 
and
 
letters
 
of
 
credit
 
pledged
 
as
 
collateral
 
security
15,825
Performance
 
guarantees,
 
acceptances
 
and
 
endorsements
6,589
Total
 
contingent
 
liabilities
22,414
Documentary
 
credits
 
and
 
other
 
short-term
 
trade
 
related
 
transactions
1,162
Standby
 
facilities,
 
credit
 
lines
 
and
 
other
 
commitments
264,376
Total
 
commitments
265,538
 
 GRAPHIC 4 bbplch120p2i0.gif GRAPHIC begin 644 bbplch120p2i0.gif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end EX-101.INS 5 c070-20200630.xml XBRL INSTANCE DOCUMENT 0000312070 2020-01-01 2020-06-30 0000312070 2020-06-30 0000312070 ifrs-full:ParentMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 2019-01-01 2019-06-30 0000312070 2019-06-30 0000312070 ifrs-full:EquityAttributableToOwnersOfParentMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:InvestmentPropertyMember 2020-01-01 2020-06-30 0000312070 c070:BarclaysBankPlcMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember 2019-06-30 0000312070 ifrs-full:NoncontrollingInterestsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:InvestmentPropertyMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember c070:NonassetbackedLoansMember ifrs-full:BottomOfRangeMember 2020-06-30 0000312070 ifrs-full:ReserveOfCashFlowHedgesMember 2020-06-30 0000312070 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:InvestmentPropertyMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2020-06-30 0000312070 c070:HeadOfficeMember 2019-01-01 2019-06-30 0000312070 c070:IssuedCapitalAndSharePremiumMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:EquityPriceRiskMember ifrs-full:BottomOfRangeMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:EquityPriceRiskMember 2020-01-01 2020-06-30 0000312070 ifrs-full:LoansToGovernmentMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:CorporateLoansMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember 2020-01-01 2020-06-30 0000312070 c070:TransactionalBankingServicesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-12-31 0000312070 c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-12-31 0000312070 ifrs-full:NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember 2019-12-31 0000312070 ifrs-full:SubsidiariesMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:AssetbackedFinancingsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:UnusedTaxLossesMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtAmortisedCostCategoryMember 2019-07-01 2019-12-31 0000312070 c070:SterlingOneThousandPreferenceSharesMember 2020-06-30 0000312070 c070:OtherCountriesMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:AccumulatedImpairmentMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:AssetbackedFinancingsMember 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:OtherFeesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:OtherFeesMember 2019-01-01 2019-06-30 0000312070 c070:UnderwritingSyndicationAndCommitmentFeesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level1OfFairValueHierarchyMember ifrs-full:AtFairValueMember 2020-06-30 0000312070 ifrs-full:Level1OfFairValueHierarchyMember ifrs-full:AtFairValueMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:AtFairValueMember 2019-12-31 0000312070 ifrs-full:Level2OfFairValueHierarchyMember ifrs-full:AtFairValueMember 2019-12-31 0000312070 ifrs-full:AtFairValueMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InvestmentPropertyMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2019-01-01 2019-06-30 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 2019-01-01 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember c070:PrivateEquityInvestmentsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2019-12-31 0000312070 c070:BarclaysCapitalIncMember c070:ConsolidatedFxActionMember 2018-01-01 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OtherReservesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:LoansToGovernmentMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:AssetbackedFinancingsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember c070:NonassetbackedLoansMember 2019-12-31 0000312070 srt:AsiaMember 2020-01-01 2020-06-30 0000312070 ifrs-full:LegalProceedingsProvisionMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:MoneyMarktetInstrumentsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:AssetbackedFinancingsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:NonassetbackedLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:CreditRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:RetainedEarningsMember 2019-01-01 2019-06-30 0000312070 c070:HeadOfficeMember c070:ManagementAndAdvisorySevicesMember 2020-01-01 2020-06-30 0000312070 c070:HeadOfficeMember c070:OtherFeesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CurrencyRiskMember ifrs-full:DerivativesMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:DerivativesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:GrossCarryingAmountMember 2020-06-30 0000312070 ifrs-full:ContingentLiabilityForGuaranteesMember c070:GuaranteesAndLettersOfCreditPledgedAsCollateralSecurityMember 2019-12-31 0000312070 ifrs-full:LoanCommitmentsMember 2019-12-31 0000312070 ifrs-full:TemporaryDifferenceMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtAmortisedCostCategoryMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:AssetbackedFinancingsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:ManagementAndAdvisorySevicesMember 2019-01-01 2019-06-30 0000312070 c070:HeadOfficeMember c070:OtherFeesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level2OfFairValueHierarchyMember ifrs-full:AtFairValueMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2020-01-01 2020-06-30 0000312070 c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2018-12-31 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2018-12-31 0000312070 c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2019-01-01 2019-06-30 0000312070 c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-06-30 0000312070 ifrs-full:LoansToGovernmentMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CorporateLoansMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:IssuedDebtMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 c070:CivilActionMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:CorporateLoansMember 2019-01-01 2019-06-30 0000312070 c070:UndrawnContractuallyCommittedFacilitiesAndGuaranteesMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 c070:DerivativeCreditValuationAdjustmentsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:CurrencyRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:NonassetbackedLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:NonassetbackedLoansMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-06-30 0000312070 ifrs-full:ReserveOfExchangeDifferencesOnTranslationMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:AssetbackedFinancingsMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:PrivateEquityInvestmentsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2019-06-30 0000312070 c070:ExitPriceAdjustmentsDerivedFromMarketBidofferSpreadsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember 2020-01-01 2020-06-30 0000312070 ifrs-full:SubsidiariesMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:PrivateEquityInvestmentsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:InvestmentPropertyMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:AssetbackedFinancingsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:NonassetbackedLoansMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:LoansToGovernmentMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:AssetbackedFinancingsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:PrivateEquityInvestmentsMember 2020-01-01 2020-06-30 0000312070 c070:TransactionalBankingServicesMember c070:HeadOfficeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:UnderwritingSyndicationAndCommitmentFeesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:UnderwritingSyndicationAndCommitmentFeesMember 2020-01-01 2020-06-30 0000312070 c070:BrokerageCommissionsAndClientExecutionFeesMember 2020-01-01 2020-06-30 0000312070 c070:UnderwritingSyndicationAndCommitmentFeesMember 2020-01-01 2020-06-30 0000312070 c070:OtherFeesMember 2020-01-01 2020-06-30 0000312070 c070:HeadOfficeMember 2020-01-01 2020-06-30 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2019-01-01 2019-06-30 0000312070 2018-12-31 0000312070 ifrs-full:ParentMember 2019-01-01 2019-06-30 0000312070 c070:CustomerRedressMember 2019-12-31 0000312070 country:US 2019-12-31 0000312070 c070:UsDollarPreferenceSharesOneHundredParValueMember 2020-06-30 0000312070 c070:OtherCountriesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:MortgagesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:UnderwritingSyndicationAndCommitmentFeesMember 2019-01-01 2019-06-30 0000312070 c070:HeadOfficeMember c070:BrokerageCommissionsAndClientExecutionFeesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:AtFairValueMember 2020-06-30 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:MiscellaneousOtherProvisionsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember 2019-01-01 2019-06-30 0000312070 ifrs-full:OtherEquityInterestMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember ifrs-full:CreditRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:NonassetbackedLoansMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:InvestmentPropertyMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:InvestmentPropertyMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember c070:NonassetbackedLoansMember 2020-06-30 0000312070 c070:EquityCashProductsMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:FcaProceedingsAndOtherInvestigationsMember 2013-09-01 2013-09-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:EquityPriceRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:IssuedDebtMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:AssetbackedFinancingsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:PrivateEquityInvestmentsMember 2020-06-30 0000312070 ifrs-full:ParentMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:DerivativesMember 2020-01-01 2020-06-30 0000312070 c070:DerivativeCreditValuationAdjustmentsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:MoneyMarktetInstrumentsMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember 2020-01-01 2020-06-30 0000312070 c070:BarclaysBankPlcMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember 2020-06-30 0000312070 c070:TransactionalBankingServicesMember ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember 2020-01-01 2020-06-30 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-06-30 0000312070 ifrs-full:ContingentLiabilityForGuaranteesMember 2019-12-31 0000312070 ifrs-full:LoanCommitmentsMember c070:DocumentaryCreditsAndOtherShortTermTradeRelatedTransactionsMember 2020-06-30 0000312070 ifrs-full:LoanCommitmentsMember c070:DocumentaryCreditsAndOtherShortTermTradeRelatedTransactionsMember 2019-12-31 0000312070 c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2020-01-01 2020-06-30 0000312070 c070:BrokeredCertificatesOfDepositMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:MortgagesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2020-06-30 0000312070 ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2019-12-31 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:AssetbackedFinancingsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:AtFairValueMember 2020-06-30 0000312070 c070:EquityCashProductsMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-01-01 2019-06-30 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2018-12-31 0000312070 c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-06-30 0000312070 c070:OtherReservesAndTreasurySharesMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember c070:IssuedDebtMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember 2020-06-30 0000312070 ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:EquityPriceRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:MoneyMarktetInstrumentsMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember ifrs-full:InterestRateRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 c070:ForeignExchangeInvestigationsMember 2015-01-01 2015-12-31 0000312070 ifrs-full:ParentMember c070:HmRevenueCustomsHmrcAssessmentsConcerningUkValueAddedTaxMember 2018-03-01 2018-03-31 0000312070 ifrs-full:OtherReservesMember 2019-06-30 0000312070 ifrs-full:NoncontrollingInterestsMember 2019-06-30 0000312070 c070:IssuedCapitalAndSharePremiumMember 2019-06-30 0000312070 c070:HeadOfficeMember c070:UnderwritingSyndicationAndCommitmentFeesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember 2019-12-31 0000312070 ifrs-full:ContingentLiabilityForGuaranteesMember c070:GuaranteesAndLettersOfCreditPledgedAsCollateralSecurityMember 2020-06-30 0000312070 ifrs-full:LoanCommitmentsMember c070:StandbyFacilitiesCreditLinesAndOtherCommitmentsMember 2020-06-30 0000312070 ifrs-full:ParentMember 2019-12-31 0000312070 ifrs-full:OrdinarySharesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2019-12-31 0000312070 c070:HeadOfficeMember 2019-12-31 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:BrokerageCommissionsAndClientExecutionFeesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InvestmentPropertyMember 2019-01-01 2019-06-30 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2018-12-31 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2020-01-01 2020-06-30 0000312070 srt:AmericasMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:NonassetbackedLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2019-06-30 0000312070 c070:UncollateralisedDerivativeFundingMember 2019-12-31 0000312070 ifrs-full:OtherEquityInterestMember 2020-06-30 0000312070 c070:ExitPriceAdjustmentsDerivedFromMarketBidofferSpreadsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:RestructuringProvisionMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:AssetbackedFinancingsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:EquityPriceRiskMember ifrs-full:BottomOfRangeMember 2020-06-30 0000312070 c070:AfricaAndMiddleEastMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:RetainedEarningsMember 2019-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:BrokerageCommissionsAndClientExecutionFeesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember 2018-12-31 0000312070 ifrs-full:GrossCarryingAmountMember 2019-12-31 0000312070 ifrs-full:NotMeasuredAtFairValueInStatementOfFinancialPositionButForWhichFairValueIsDisclosedMember 2020-06-30 0000312070 ifrs-full:LoanCommitmentsMember 2020-06-30 0000312070 ifrs-full:TemporaryDifferenceMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:MortgagesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:ManagementAndAdvisorySevicesMember 2019-01-01 2019-06-30 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-12-31 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2019-01-01 2019-06-30 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 srt:EuropeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:AssetbackedFinancingsMember 2020-01-01 2020-06-30 0000312070 c070:ForeignExchangeInvestigationsMember c070:FineSettlementMember 2017-01-01 2017-01-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 srt:AmericasMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:IssuedDebtMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember c070:PrivateEquityInvestmentsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember ifrs-full:CreditRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:CurrencyRiskMember ifrs-full:BottomOfRangeMember 2019-12-31 0000312070 c070:UsdLiborCasesInMdlCourtMember c070:LawsuitsWithSpecifiedDamagesSoughtMember 2012-01-01 2012-12-31 0000312070 ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:RestructuringProvisionMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:MiscellaneousOtherProvisionsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember ifrs-full:InterestRateRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2020-06-30 0000312070 ifrs-full:OnerousContractsProvisionMember 2020-06-30 0000312070 c070:UndrawnContractuallyCommittedFacilitiesAndGuaranteesMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 c070:InvestigationsIntoLiborAndOtherBenchmarksMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:CurrencyRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:InterestRateRiskMember 2020-06-30 0000312070 ifrs-full:ReserveOfCashFlowHedgesMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember 2020-06-30 0000312070 ifrs-full:OtherEquityInterestMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember c070:NonassetbackedLoansMember ifrs-full:BottomOfRangeMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:InterestRateRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:IssuedDebtMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember c070:PrivateEquityInvestmentsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:IncomeStatementCategoryMember ifrs-full:CurrencyRiskMember ifrs-full:BottomOfRangeMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:NonassetbackedLoansMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CorporateLoansMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember 2018-12-31 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:OtherFeesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:ContingentLiabilityForGuaranteesMember c070:PerformanceGuaranteesAcceptancesAndEndorsementsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:EquityPriceRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:NonassetbackedLoansMember 2020-06-30 0000312070 c070:FourPointSevenFivePercentEuroOneHundredParValueMember 2020-06-30 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember 2019-06-30 0000312070 ifrs-full:SubsidiariesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtFairValueCategoryMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:MortgagesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LegalProceedingsProvisionMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:InvestmentPropertyMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 srt:EuropeMember 2019-01-01 2019-06-30 0000312070 c070:IssuedCapitalAndSharePremiumMember 2019-12-31 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember 2019-12-31 0000312070 c070:ForeignExchangeInvestigationsMember 2017-01-01 2017-01-31 0000312070 srt:AsiaMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:AssetbackedFinancingsMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember c070:MoneyMarktetInstrumentsMember 2019-01-01 2019-06-30 0000312070 c070:TransactionalBankingServicesMember ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember 2019-01-01 2019-06-30 0000312070 c070:TransactionalBankingServicesMember c070:HeadOfficeMember 2019-01-01 2019-06-30 0000312070 c070:TransactionalBankingServicesMember 2019-01-01 2019-06-30 0000312070 c070:OtherFeesMember 2019-01-01 2019-06-30 0000312070 c070:UsdLiborCasesInMdlCourtMember c070:DebtSecuritiesClassClaimsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-06-30 0000312070 c070:DerivativeDebitValuationAdjustmentsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember ifrs-full:CreditRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember 2020-06-30 0000312070 c070:AfricaAndMiddleEastMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:BrokerageCommissionsAndClientExecutionFeesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:PrivateEquityInvestmentsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CurrencyRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 c070:UsResidentialAndCommercialMortgageRelatedActivityAndLitigationMember c070:RmbsRepurchaseRequestsMember c070:OriginatedAndSoldToThirdPartiesByAcquiredSubsidiaryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2018-12-31 0000312070 c070:EquityCashProductsMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:OnerousContractsProvisionMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-06-30 0000312070 c070:CivilActionsInRespectOfTheUsAntiTerrorismActMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:NonassetbackedLoansMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IncomeStatementCategoryMember ifrs-full:BottomOfRangeMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember c070:PrivateEquityInvestmentsMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember 2019-12-31 0000312070 c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:InvestmentPropertyMember 2020-01-01 2020-06-30 0000312070 c070:ForeignExchangeInvestigationsMember 2020-01-01 2020-06-30 0000312070 c070:DerivativeDebitValuationAdjustmentsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:InvestmentPropertyMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossThatMeetDefinitionOfHeldForTradingCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 c070:UsdLiborCasesInMdlCourtMember 2015-01-01 2015-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:EquityPriceRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:NonassetbackedLoansMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:EquityPriceRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:PrivateEquityInvestmentsMember 2019-06-30 0000312070 ifrs-full:OtherEquityInterestMember 2019-06-30 0000312070 ifrs-full:EquityAttributableToOwnersOfParentMember 2019-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:BrokerageCommissionsAndClientExecutionFeesMember 2020-01-01 2020-06-30 0000312070 c070:HeadOfficeMember c070:BrokerageCommissionsAndClientExecutionFeesMember 2020-01-01 2020-06-30 0000312070 c070:ManagementAndAdvisorySevicesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CreditRiskMember 2018-12-31 0000312070 ifrs-full:ContingentLiabilityForGuaranteesMember c070:PerformanceGuaranteesAcceptancesAndEndorsementsMember 2019-12-31 0000312070 c070:CustomerRedressMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CurrencyRiskMember ifrs-full:DerivativesMember 2019-12-31 0000312070 ifrs-full:UnusedTaxLossesMember 2019-12-31 0000312070 c070:SterlingOneThousandPreferenceSharesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:AccumulatedImpairmentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:MortgagesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:SubsidiariesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2018-12-31 0000312070 c070:BdcFinanceLlcMember 2008-01-01 2008-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:CountryOfDomicileMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 c070:InvestigationsIntoCertainAdvisoryServicesAgreementsAndOtherMattersAndCivilActionMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtAmortisedCostCategoryMember 2020-01-01 2020-06-30 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:AssetbackedFinancingsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:MoneyMarktetInstrumentsMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:CommodityPriceRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:InterestRateRiskMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ParentMember c070:HmRevenueCustomsHmrcAssessmentsConcerningUkValueAddedTaxMember c070:BarclaysUkMember 2018-03-01 2018-03-31 0000312070 ifrs-full:CountryOfDomicileMember 2019-01-01 2019-06-30 0000312070 ifrs-full:LoansToGovernmentMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember 2019-12-31 0000312070 ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember c070:PrivateEquityInvestmentsMember 2020-01-01 2020-06-30 0000312070 c070:OtherReservesAndTreasurySharesMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2020-06-30 0000312070 c070:UsdLiborCasesInMdlCourtMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:UnderwritingSyndicationAndCommitmentFeesMember 2019-01-01 2019-06-30 0000312070 c070:BrokerageCommissionsAndClientExecutionFeesMember 2019-01-01 2019-06-30 0000312070 c070:TransactionalBankingServicesMember ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember 2019-01-01 2019-06-30 0000312070 c070:HeadOfficeMember c070:UnderwritingSyndicationAndCommitmentFeesMember 2019-01-01 2019-06-30 0000312070 c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-12-31 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2018-12-31 0000312070 c070:EquityCashProductsMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-01-01 2019-06-30 0000312070 c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-06-30 0000312070 c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2018-12-31 0000312070 c070:NonassetbackedLoansMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 c070:TransactionalBankingServicesMember ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:InvestmentPropertyMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:EquityPriceRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CurrencyRiskMember ifrs-full:DerivativesMember 2018-12-31 0000312070 ifrs-full:ContingentLiabilityForGuaranteesMember 2020-06-30 0000312070 ifrs-full:OrdinarySharesMember 2020-06-30 0000312070 c070:FourPointSevenFivePercentEuroOneHundredParValueMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:AssetbackedFinancingsMember 2019-12-31 0000312070 c070:EquityCashProductsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-06-30 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-06-30 0000312070 c070:UncollateralisedDerivativeFundingMember 2020-06-30 0000312070 c070:UsdLiborCasesInMdlCourtMember c070:ExchangeBasedClassClaimsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ReserveOfExchangeDifferencesOnTranslationMember 2019-12-31 0000312070 c070:ForeignExchangeInvestigationsMember c070:ViolationOfNpaMember 2017-01-01 2017-01-31 0000312070 c070:BdcFinanceLlcMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ReserveOfExchangeDifferencesOnTranslationMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CorporateLoansMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember c070:NonassetbackedLoansMember c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:ParentMember c070:HmRevenueCustomsHmrcAssessmentsConcerningUkValueAddedTaxMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:IncomeStatementCategoryMember c070:PrivateEquityInvestmentsMember 2019-12-31 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:ManagementAndAdvisorySevicesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember c070:ManagementAndAdvisorySevicesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember c070:OtherFeesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 c070:NonassetbackedLoansMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTradingCategoryMember ifrs-full:RecurringFairValueMeasurementMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughProfitOrLossCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2018-12-31 0000312070 ifrs-full:LoanCommitmentsMember c070:StandbyFacilitiesCreditLinesAndOtherCommitmentsMember 2019-12-31 0000312070 country:US 2020-06-30 0000312070 c070:UsDollarPreferenceSharesOneHundredParValueMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:GrossCarryingAmountMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:NotLaterThanOneMonthMember 2020-06-30 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:GrossCarryingAmountMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:AccumulatedImpairmentMember 2019-12-31 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:GreaterThanOneMonthPastDueMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CurrentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:MortgagesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 c070:HeadOfficeMember c070:ManagementAndAdvisorySevicesMember 2019-01-01 2019-06-30 0000312070 c070:ManagementAndAdvisorySevicesMember 2019-01-01 2019-06-30 0000312070 c070:FinancialAssetsAtFairValueThroughProfitOrLossCategoryOtherIncomeMember c070:PrivateEquityInvestmentsMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 ifrs-full:OtherReservesMember 2019-12-31 0000312070 ifrs-full:RetainedEarningsMember 2019-12-31 0000312070 c070:IssuedCapitalAndSharePremiumMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OtherEquityInterestMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OtherReservesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:RetainedEarningsMember 2020-01-01 2020-06-30 0000312070 c070:IssuedCapitalAndSharePremiumMember 2020-06-30 0000312070 ifrs-full:OtherReservesMember 2020-06-30 0000312070 ifrs-full:RetainedEarningsMember 2020-06-30 0000312070 c070:IssuedCapitalAndSharePremiumMember 2019-07-01 2019-12-31 0000312070 ifrs-full:OtherEquityInterestMember 2019-07-01 2019-12-31 0000312070 ifrs-full:OtherReservesMember 2019-07-01 2019-12-31 0000312070 ifrs-full:RetainedEarningsMember 2019-07-01 2019-12-31 0000312070 c070:IssuedCapitalAndSharePremiumMember 2018-12-31 0000312070 ifrs-full:OtherEquityInterestMember 2018-12-31 0000312070 ifrs-full:OtherReservesMember 2018-12-31 0000312070 ifrs-full:RetainedEarningsMember 2018-12-31 0000312070 ifrs-full:NoncontrollingInterestsMember 2018-12-31 0000312070 ifrs-full:EquityAttributableToOwnersOfParentMember 2018-12-31 0000312070 ifrs-full:OperatingSegmentsMember c070:CorporateAndInvestmentBankMember 2020-06-30 0000312070 ifrs-full:OperatingSegmentsMember c070:ConsumerCardsAndPaymentsMember 2020-06-30 0000312070 c070:HeadOfficeMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InterestRateRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InterestRateRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CurrencyRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CurrencyRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CreditRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CreditRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:ReverseRepurchaseAndRepurchaseAgreementsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:ReverseRepurchaseAndRepurchaseAgreementsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:NonassetbackedLoansMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:NonassetbackedLoansMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:EquityCashProductsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:PrivateEquityInvestmentsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:PrivateEquityInvestmentsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:AssetbackedFinancingsMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:AssetbackedFinancingsMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember 2019-12-31 0000312070 c070:BarclaysBankPlcMember 2020-06-30 0000312070 c070:BarclaysBankPlcMember c070:BarclaycardInternationalPaymentsLimitedMember 2020-01-01 2020-06-30 0000312070 c070:BarclaysBankPlcMember c070:EntercardGroupAbMember 2020-01-01 2020-06-30 0000312070 c070:BarclaysBankPlcMember c070:CarnegieHoldingsLimitedMember 2020-01-01 2020-06-30 0000312070 c070:BarclaycardInternationalPaymentsLimitedMember 2020-01-01 2020-06-30 0000312070 c070:EntercardGroupAbMember 2020-01-01 2020-06-30 0000312070 c070:CarnegieHoldingsLimitedMember 2020-01-01 2020-06-30 0000312070 2019-07-01 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:TopOfRangeMember 2019-07-01 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:TopOfRangeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CorporateLoansMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:NonassetbackedLoansMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:EquityCashProductsMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:PrivateEquityInvestmentsMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CorporateLoansMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:NonassetbackedLoansMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:EquityCashProductsMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:PrivateEquityInvestmentsMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CorporateLoansMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:NonassetbackedLoansMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:EquityCashProductsMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:PrivateEquityInvestmentsMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:BottomOfRangeMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CorporateLoansMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:NonassetbackedLoansMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:EquityCashProductsMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:PrivateEquityInvestmentsMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:TopOfRangeMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InterestRateRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CurrencyRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CreditRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InterestRateRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CurrencyRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CreditRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InterestRateRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CurrencyRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CreditRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:TopOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:InterestRateRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CurrencyRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CreditRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember ifrs-full:BottomOfRangeMember c070:StatementOfChangesInEquityCategoryMember 2019-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtFairValueCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtAmortisedCostCategoryMember 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtFairValueCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialInstrumentsAtFairValueCategoryMember 2019-07-01 2019-12-31 0000312070 c070:BrokeredCertificatesOfDepositMember 2019-12-31 0000312070 c070:BarclaysBankPlcMember c070:BarclaysMercantileBusinessFinanceLimitedMember 2020-01-01 2020-06-30 0000312070 c070:BarclaysMercantileBusinessFinanceLimitedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:OrdinarySharesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:PreferenceSharesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ReserveOfCashFlowHedgesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember 2020-06-30 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember 2019-12-31 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember 2020-02-29 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember c070:BarclaysBankPlcMember ifrs-full:OneYearBeforeReportingYearMember 2020-02-01 2020-02-29 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember ifrs-full:CurrentMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember c070:BarclaysBankPlcMember 2020-02-01 2020-02-29 0000312070 ifrs-full:NotLaterThanOneYearMember ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember c070:BarclaysBankPlcMember 2020-02-01 2020-02-29 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember c070:BarclaysBankPlcMember 2020-02-01 2020-02-29 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember c070:BarclaysBankPlcMember 2020-02-01 2020-02-29 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:DeficitContributionsValuationRecoveryPlanTwentyNineteenMember c070:BarclaysBankPlcMember 2020-06-12 2020-06-12 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:BarclaysBankPlcMember c070:TheSeniorNotesMember c070:HeronIssuerLimitedMember 2020-06-12 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:BarclaysBankPlcMember c070:TheSeniorNotesMember c070:HeronIssuerLimitedMember 2020-06-12 2020-06-12 0000312070 ifrs-full:CountryOfDomicileMember ifrs-full:DefinedBenefitPlansOtherThanMultiemployerPlansStatePlansAndPlansThatShareRisksBetweenEntitiesUnderCommonControlMember ifrs-full:PensionDefinedBenefitPlansMember c070:BarclaysBankPlcMember c070:TheSeniorNotesMember c070:HeronIssuerLimitedMember 2020-01-01 2020-06-30 0000312070 c070:SubordinatedLiabilitiesLoansIssuedIntragroupToUltimateParentMember 2020-01-01 2020-06-30 0000312070 c070:UndatedNotesUnitedStatesDollarOriginalCurrencyDenominatedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityMember 2020-01-01 2020-06-30 0000312070 c070:BarclaysCapitalIncMember c070:GovernmentAndAgencySecuritiesCivilActionsAndRelatedMattersMember 2020-01-01 2020-06-30 0000312070 ifrs-full:ParentMember c070:GovernmentAndAgencySecuritiesCivilActionsAndRelatedMattersMember 2018-01-01 2018-12-31 0000312070 c070:HmRevenueCustomsHmrcAssessmentsConcerningUkValueAddedTaxMember 2018-03-01 2018-03-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2018-12-31 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:EquityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:CommodityPriceRiskMember ifrs-full:RecurringFairValueMeasurementMember ifrs-full:DerivativesMember c070:NetAssetsLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2019-01-01 2019-06-30 0000312070 ifrs-full:GrossCarryingAmountMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersFromStageOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersFromStageTwoMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersToStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember c070:TransfersFromStageThreeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:AccumulatedImpairmentMember ifrs-full:FinancialAssetsAtAmortisedCostMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember c070:OffBalanceSheetLoanCommitmentsAndFinancialGuaranteeContractsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember c070:OtherFinancialAssetsSubjectToImpairmentMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:GrossCarryingAmountMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:MortgagesMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:MortgagesMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsCreditimpairedMember c070:CreditCardsUnsecuredAndOtherRetailLendingMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:TwelvemonthExpectedCreditLossesMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2019-12-31 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-01-01 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:FinancialInstrumentsNotCreditimpairedMember ifrs-full:CorporateLoansMember 2020-06-30 0000312070 ifrs-full:AccumulatedImpairmentMember ifrs-full:LifetimeExpectedCreditLossesMember ifrs-full:CorporateLoansMember ifrs-full:FinancialInstrumentsCreditimpairedMember 2020-06-30 0000312070 c070:ExitPriceAdjustmentsDerivedFromMarketBidofferSpreadsMember 2020-01-01 2020-06-30 0000312070 c070:UncollateralisedDerivativeFundingMember 2020-01-01 2020-06-30 0000312070 c070:DerivativeCreditValuationAdjustmentsMember 2020-01-01 2020-06-30 0000312070 c070:DerivativeDebitValuationAdjustmentsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FixedInterestRateMember c070:ExternalCustomersMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2020-01-01 2020-06-30 0000312070 ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:FinancialAssetsAtFairValueThroughOtherComprehensiveIncomeCategoryMember 2019-01-01 2019-06-30 0000312070 c070:BrokeredCertificatesOfDepositMember 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember 2020-01-01 2020-06-30 0000312070 ifrs-full:LoansAndReceivablesCategoryMember ifrs-full:FinancialAssetsAtAmortisedCostMember 2019-01-01 2019-06-30 0000312070 ifrs-full:FinancialGuaranteeContractsMember 2020-01-01 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:ExpectedWorstPointMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:ExpectedWorstPointMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:ExpectedWorstPointMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:GB c070:BaselineMember c070:BankRateMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:GB c070:BaselineMember c070:BankRateMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:GB c070:BaselineMember c070:BankRateMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:ExpectedWorstPointMember c070:BankRateMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:ExpectedWorstPointMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:ExpectedWorstPointMember c070:UnemploymentEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:ExpectedWorstPointMember c070:HousePriceIndexEconomicCoreVariableMember 2020-06-30 0000312070 ifrs-full:NotLaterThanOneYearMember country:US c070:BaselineMember c070:FederalFundsRateMember 2020-06-30 0000312070 ifrs-full:LaterThanOneYearAndNotLaterThanTwoYearsMember country:US c070:BaselineMember c070:FederalFundsRateMember 2020-06-30 0000312070 ifrs-full:LaterThanTwoYearsAndNotLaterThanThreeYearsMember country:US c070:BaselineMember c070:FederalFundsRateMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:ExpectedWorstPointMember c070:FederalFundsRateMember 2020-06-30 0000312070 c070:UpsideTwoMember 2020-06-30 0000312070 c070:UpsideOneMember 2020-06-30 0000312070 c070:BaselineMember 2020-06-30 0000312070 c070:DownsideOneMember 2020-06-30 0000312070 c070:DownsideTwoMember 2020-06-30 0000312070 c070:UpsideTwoMember 2019-12-31 0000312070 c070:UpsideOneMember 2019-12-31 0000312070 c070:BaselineMember 2019-12-31 0000312070 c070:DownsideOneMember 2019-12-31 0000312070 c070:DownsideTwoMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:BankRateMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BaselineMember c070:BankRateMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BaselineMember c070:BankRateMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BaselineMember c070:BankRateMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BaselineMember c070:BankRateMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:BankRateMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BaselineMember c070:BankRateMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:GB c070:BankRateMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:FederalFundsRateMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideOneMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideTwoMember c070:SpecificBasesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:UpsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:BaselineMember c070:FederalFundsRateMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:DownsideOneMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:BaselineMember c070:FederalFundsRateMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideOneMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideTwoMember c070:SpecificBasesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:BaselineMember c070:FederalFundsRateMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:UpsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:BaselineMember c070:FederalFundsRateMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:DownsideOneMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:FederalFundsRateMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2019-12-31 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:BaselineMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:GrossDomesticProductEconomicVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:UnemploymentEconomicCoreVariableMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:UnemploymentEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:HousePriceIndexEconomicCoreVariableMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:HousePriceIndexEconomicCoreVariableMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:UpsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:BaselineMember c070:FederalFundsRateMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideOneMember c070:FiveYearAveragesMember 2020-06-30 0000312070 country:US c070:FederalFundsRateMember c070:DownsideTwoMember c070:FiveYearAveragesMember 2020-06-30 0000312070 ifrs-full:CreditRiskMember 2020-01-01 2020-06-30 0000312070 ifrs-full:PreferenceSharesMember c070:BarclaysBankPlcMember 2020-06-30 0000312070 ifrs-full:PreferenceSharesMember c070:BarclaysBankPlcMember 2019-12-31 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2019-12-31 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IssuedDebtMember 2019-12-31 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IssuedDebtMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IssuedDebtMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryTradingIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember c070:IssuedDebtMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember c070:FinancialLiabilitiesAtFairValueThroughProfitOrLossCategoryOtherIncomeMember 2020-01-01 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:IssuedDebtMember 2020-06-30 0000312070 ifrs-full:FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionCategoryMember ifrs-full:Level3OfFairValueHierarchyMember ifrs-full:RecurringFairValueMeasurementMember c070:OtherFinancialAssetsAndLiabilitiesGroupOneMember 2020-06-30 iso4217:GBP iso4217:USD xbrli:pure iso4217:GBP xbrli:shares xbrli:shares iso4217:EUR xbrli:shares iso4217:USD xbrli:shares dummy:lawsuits 333000000 5385000000 34000000 20000000 -457000000 0 1000000 82000000 1725000000 158892000000 1000000 -745000000 2000000 116000000 2807000000 2160000000 307650000000 0 179000000 10000000 <div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td colspan='3' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >7. Subordinated liabilities</font></td></tr><tr style='height:22.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Year ended</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Opening balance as at 1 January</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >33,425</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35,327</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Issuances</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,162</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,785</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Redemptions</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,814)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7,804)</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,192</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(883)</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Closing balance</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36,965</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >33,425</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Issuances of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >3,162</font><font style='font-family:Calibri;font-size:9pt;' >m comprises &#163;</font><font style='font-family:Calibri;font-size:9pt;' >3,082</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' > intra-group loans from Barclays PLC as well as &#163;</font><font style='font-family:Calibri;font-size:9pt;' >80</font><font style='font-family:Calibri;font-size:9pt;' >m </font><font style='font-family:Calibri;font-size:9pt;' >USD Floating Rate Notes </font><font style='font-family:Calibri;font-size:9pt;' >issued externally by</font><font style='font-family:Calibri;font-size:9pt;' > a Barclays Bank PLC subsidiary.</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Redemptions of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2</font><font style='font-family:Calibri;font-size:9pt;' >,814</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' > comprises &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2,518</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' > intra-group loans from Barclays PLC as well </font><font style='font-family:Calibri;font-size:9pt;' >as &#163;</font><font style='font-family:Calibri;font-size:9pt;' >266</font><font style='font-family:Calibri;font-size:9pt;' >m USD Floating Rate Notes</font><font style='font-family:Calibri;font-size:9pt;' > and &#163;</font><font style='font-family:Calibri;font-size:9pt;' >30</font><font style='font-family:Calibri;font-size:9pt;' >m USD Fixed Rate Notes</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >issued</font><font style='font-family:Calibri;font-size:9pt;' > externally </font><font style='font-family:Calibri;font-size:9pt;' >by Barclays Bank PLC subsidiaries.</font></p><p style='text-align:left;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Other movements predominantly include foreign exchange and fair value hedge adjustments.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' > </font></p></div> 1000000 0 0 123000000 -322000000 1453000000 36965000000 3235000000 295000000 3162000000 0 4000000 0 0 2572000000 0 2357000000 0 18000000 0 0 -214000000 2619000000 -119000000 0 23000000 447000000 1000000 0 0 14000000 320000000 0 155540000000 1145000000 3000000 0 0 746000000 16000000 3736000000 2264000000 1964000000 429000000 2032000000 1600000000 656000000 275000000 19000000 455000000 2000000 1000 471000000 105354000000 112909000000 155760000000 674000000 44393000000 2164000000 1161000000 6077000000 15000000 1096000000 7281000000 12639000000 10073000000 176000000 7000000 346000000 2129000000 0.072 0.176 0.036 0.044 85000000 <div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:13.15pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Deferred tax assets and liabilities</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#A8A8A8;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >USA</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#A8A8A8;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,168</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A8A8A8;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,052</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other territories </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >471</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >408</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Deferred tax assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,639</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,460</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deferred tax liabilities - UK</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,084)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Analysis of deferred tax assets</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Temporary differences</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,184</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,937</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Tax losses</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >455</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >523</font></td></tr><tr style='height:12pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Deferred tax assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,639</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,460</font></td></tr><tr style='height:12pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td></tr></table></div> 62000000 124000000 1240000000 8445000000 10300000000 429000000 0 25032000000 439234000000 13000000 -2000000 0 0 0 55000000 0 79000000 2032000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >13</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Contingent liabilities and commitments</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Contingent liabilities</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Guarantees and letters of credit pledged as collateral security</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15,825</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17,006</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Performance guarantees, acceptances and endorsements</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,589</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,771</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >22,414</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >23,777</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Commitments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Documentary credits and other short-term trade related transactions</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,162</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,291</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Standby facilities, credit lines and other commitments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >264,376</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >268,736</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >265,538</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >270,027</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In addition to the above, Note </font><font style='font-family:Calibri;font-size:9pt;' >14</font><font style='font-family:Calibri;font-size:9pt;font-style:italic;' >, </font><font style='font-family:Calibri;font-size:9pt;' >Legal, competition and regulatory matters details out further contingent liabilities where it is not practicable to disclose an estimate of the potential financial effect on Barclays Bank Group.</font></p><p style='text-align:left;line-height:12pt;' ></p></div> 883000000 -4000000 18000000 1000000 384000000 0 1085000000 0 27000000 2000000 2263000000 261000000 8000000 55161000000 0 0 17000000 24000000 188000000 80000000 -41000000 0 0 125000000 667000000 374000000 79000000 1000000 0 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Comparison of carrying amounts and fair values for assets and liabilities not held at fair value</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Valuation methodologies employed in calculating the fair value of financial assets and liabilities measured at amortised cost are consistent with the Barclays</font><font style='font-family:Calibri;font-size:9pt;' > Bank PLC Annual Report on Form 20-F</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >2019</font><font style='font-family:Calibri;font-size:9pt;' > disclosure.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table summarises the fair value of financial assets and liabilities measured at amortised cost on the Barclays Bank Group&#8217;s balance sheet:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:111pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td colspan='2' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:111pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td></tr><tr style='height:24pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Carrying amount</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fair value</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Carrying amount</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fair value</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Financial assets</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Loans and advances at amortised cost</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >150,203</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >149,511</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >141,636</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >141,251</font></td></tr><tr style='height:13.5pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Reverse repurchase agreements and other similar secured lending</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,811</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,811</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,731</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,731</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Financial liabilities</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deposits at amortised cost</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(245,737)</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(245,758)</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(213,881)</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(213,897)</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Repurchase agreements and other similar secured borrowing</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,033)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,033)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,032)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,032)</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Debt securities in issue</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(50,496)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(50,568)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33,536)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33,529)</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Subordinated liabilities</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(36,965)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(37,675)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33,425)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(34,861)</font></td></tr></table></div> 0 0 0 81000000 127000000 270000000 73000000 109461000000 13000000 995000000 0 19000000 54000000 -80000000 1079000000 316000000 21000000 212000000 0 50496 1800000000 17006000000 270027000000 1937000000 31000000 190000000 29326000000 20659000000 86000000 2719000000 33503000000 97147000000 29179000000 16000000 9000000 48000000 0.002 0.034 2000000 0 1000000 41000000 16000000 123000000 221664000000 51105000000 3154000000 129470000000 0 0 2000000 191000000 0 48000000 0 2000000 8835000000 179000000 262000000 14000000 24000000 5000000 1000000 74000000 1600000000 0 0 -504000000 0 125940000000 130873000000 0 0 252000000 2488000000 307989000000 70000000 -26000000 -135000000 <div><p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Fair value adjustments</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Key balance sheet valuation adjustments are quantified below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:333.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:74.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:74.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Exit price adjustments derived from market bid-offer spreads</font></td><td style='width:74.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(564)</font></td><td style='width:74.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(420)</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Uncollateralised derivative funding</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(181)</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(57)</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative credit valuation adjustments</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(378)</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(135)</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative debit valuation adjustments</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >148</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >155</font></td></tr></table></div> 1250000000 33425000000 5000000 3078000000 136000000 -111000000 -2000000 2000000 126000000 1156000000 4822000000 4910000000 0 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >5</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >. </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > Dividends on </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >o</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >rdinary </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >s</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >hares</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:321.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' > </font></td><td colspan='1' rowspan='2' style='width:80.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended </font><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td colspan='1' rowspan='2' style='width:80.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended </font><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.19</font></td></tr><tr style='height:11.25pt;' ><td style='width:321.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:321.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Dividends paid during the period</font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td></tr><tr style='height:12pt;' ><td style='width:321.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Ordinary shares</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >263</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#A7A7A7;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:321.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Preference shares</font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >28</font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td></tr><tr style='height:12.75pt;' ><td style='width:321.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >291</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >A dividend of &#163;263m was paid on 25 March 2020 by Barclays Bank PLC to its parent Barclays PLC. This was prior to the announcement made by the PRA on 31 March 2020 that capital be preserved for use in serving Barclays customers and clients through the </font><font style='font-family:Calibri;font-size:9pt;' >extraordinary c</font><font style='font-family:Calibri;font-size:9pt;' >hallenges presented by the COVID</font><font style='font-family:Calibri;font-size:9pt;' >-19 pandemic. As part of a response to this announcement, Barclays PLC took steps to provide additional capital to Barclays Bank PLC </font><font style='font-family:Calibri;font-size:9pt;' >as part of the &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1.5</font><font style='font-family:Calibri;font-size:9pt;' >bn of capital contributions made during H120.</font></p><p style='text-align:left;line-height:12pt;' ></p></div> 294000000 228940000000 4769000000 610000000 12000000 373000000 0 0 284000000 826057000000 -420000000 1050000000 -2000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Unrealised g</font><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >ains and losses on Level 3 financial assets and liabilities</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table discloses the unrealised gains a</font><font style='font-family:Calibri;font-size:9pt;' >nd losses recognised in the period</font><font style='font-family:Calibri;font-size:9pt;' > arising on Level 3 financial assets and liabilities held at the pe</font><font style='font-family:Calibri;font-size:9pt;' >riod end.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='4' rowspan='1' style='width:153.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:153.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td colspan='4' rowspan='1' style='width:149.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:149.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td></tr><tr style='height:28.5pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:78pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td colspan='1' rowspan='2' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other compre-hensive income</font></td><td colspan='1' rowspan='2' style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#C0C0C0;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td><td colspan='2' rowspan='1' style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other compre-hensive income</font></td><td colspan='1' rowspan='2' style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#C0C0C0;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other income</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other income</font></td></tr><tr style='height:12pt;' ><td style='width:179.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(177)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(177)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >21</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >21</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >126</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >102</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >75</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >178</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >253</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment properties</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net derivative financial instruments </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >248</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >248</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >212</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >212</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >181</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(27)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >152</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >316</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >177</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >493</font></td></tr></table></div> 2531000000 0 8000000 2000000 17000000 -10000000 0 5000000 0 151000000 8323000000 14000000 2000000 224000000 2000000 0 995000000 0 1468000000 0 685000000 1468000000 154000000 0 651000000 18000000 54000000 122000000 198000000 0 0 33529000000 35327000000 46000000 68000000 71000000 2052000000 58133 408000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Loans an</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >d advances </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >at amortised cost by product</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The table below presents a breakdown of </font><font style='font-family:Calibri;font-size:9pt;' >loans and advances at amortised cost</font><font style='font-family:Calibri;font-size:9pt;' > and the impairment allowance with </font><font style='font-family:Calibri;font-size:9pt;' >s</font><font style='font-family:Calibri;font-size:9pt;' >tage allocation by asse</font><font style='font-family:Calibri;font-size:9pt;' >t classification</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Impairment allowance under IFRS 9 considers both the </font><font style='font-family:Calibri;font-size:9pt;' >drawn and the undrawn counterparty exposure. For retail portfolios, the total impairment allowance is allocated to the drawn exposure to the extent that the allowance does not exceed the exposure, as ECL is not reported separately. Any excess is reported o</font><font style='font-family:Calibri;font-size:9pt;' >n the liability side of the balance sheet as a provision. For wholesale portfolios, the impairment allowance on the undrawn exposure is reported on the liability side of the balance sheet as a provision.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='4' rowspan='1' style='width:165pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:165pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td style='width:41.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Not past due</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >&lt;=30 days past due</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >&gt;30 days past due</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font><sup><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Gross exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,670</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >638</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >62</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >179</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >879</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,142</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11,691</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >20,659</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,077</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >206</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >348</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,631</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,036</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >29,326</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >75,699</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >33,288</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,961</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >634</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >36,883</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,161</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >114,743</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >106,028</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >40,003</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3,229</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,161</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >44,393</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >5,339</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >155,760</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Impairment allowance</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >12</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >28</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >15</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >54</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >350</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >416</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >456</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,096</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >86</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >158</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,340</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,511</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,307</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >206</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >654</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >92</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >24</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >770</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >858</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,834</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >674</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,778</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >189</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >197</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,164</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,719</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >5,557</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Net exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,658</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >610</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >51</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >164</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >825</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >792</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11,275</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >20,203</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4,981</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >120</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >190</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >5,291</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >525</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >26,019</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >75,493</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >32,634</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,869</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >610</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >36,113</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,303</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >112,909</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >105,354</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >38,225</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3,040</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >964</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >42,229</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,620</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >150,203</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Coverage ratio</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >17.7</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >8.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >30.6</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.6</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >18.0</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >41.7</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >45.4</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >20.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >74.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11.3</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.8</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >39.7</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1.6</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >0.6</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >4.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >5.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >17.0</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >4.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >50.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3.6</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Gross exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,604</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >544</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >48</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >82</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >674</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,056</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11,334</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >29,541</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,806</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >304</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >340</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4,450</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,129</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >36,120</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >89,200</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,489</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >354</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >672</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7,515</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,163</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >97,878</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >128,345</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >10,839</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >706</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,094</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >12,639</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >4,348</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >145,332</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Impairment allowance</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >16</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >24</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >40</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >292</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >348</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >362</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >523</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >99</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >162</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >784</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,471</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,617</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >114</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >219</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >8</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >234</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >383</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >731</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >492</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >766</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >116</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >176</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,058</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,146</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3,696</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Net exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,588</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >520</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >39</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >75</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >634</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >764</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >10,986</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >29,179</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,283</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >205</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >178</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,666</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >658</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >33,503</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >89,086</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,270</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >346</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >665</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7,281</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >780</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >97,147</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >127,853</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >10,073</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >590</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >918</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >11,581</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,202</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >141,636</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Coverage ratio</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >18.8</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >8.5</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >5.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >27.7</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.1</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >13.7</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >32.6</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >47.6</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >17.6</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >69.1</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7.2</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >32.9</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.7</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >0.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >7.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >16.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >16.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >8.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >49.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2.5</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:1pt;margin-bottom:1pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other financial </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >assets subject to impairment ex</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >cluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >exposure of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >187.1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >125.5</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn) and impairment allowance of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >168</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >22</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m). This compri</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >ses &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >33</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) ECL</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >181.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >124.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn) Stage 1 assets, &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >20</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >December </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >5.3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn (December 2019: </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >&#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >0.8</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn) Stage 2 fair value through other comprehensive income assets and &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019:</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >&#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019:</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >&#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >593</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >252</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m).</font></span></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following tables present a reconciliation of the opening to the closing balance of the exposure and impairment allowance. </font><font style='font-family:Calibri;font-size:9pt;' >Explanation of the terms: 12-month ECL, lifetime ECL and credit-impaired are included in the Barclays Bank PLC Annual Report </font><font style='font-family:Calibri;font-size:9pt;' >2019 on page 149</font><font style='font-family:Calibri;font-size:9pt;' >. Barclays Bank Group does not hold any material purchased or originated credit-impaired assets as at </font><font style='font-family:Calibri;font-size:9pt;' >period end. Transfers between stages in the tables have been reflected as if they had taken place at the beginning of the year. The movements are measured over a 6-month period.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Loans and advances at amortised cost</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:22.7pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Home loans</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9,604</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >674</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >40</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,056</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >292</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,334</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >348</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 1 to Stage 2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(394)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >394</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 2 to Stage 1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(114)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(64)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >131</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >31</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(48)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >410</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >410</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >334</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >28</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >39</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >61</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >401</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >77</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Final repayments</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(351)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(29)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(447)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Disposals</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Write-offs</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >9,670</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >12</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >879</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >54</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,142</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >350</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >11,691</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >416</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >29,541</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >362</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,450</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >784</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,129</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,471</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36,120</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,617</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 1 to Stage 2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,520)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(78)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,520</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >78</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 2 to Stage 1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >948</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >134</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(948)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(134)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(153)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(10)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(397)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(171)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >550</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >181</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >21</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >50</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(71)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,416</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >66</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,487</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,447)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >55</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >259</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >824</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >160</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >513</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,028)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,392</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Final repayments</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,472)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(10)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(94)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(12)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(63)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,629)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(26)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Barclays Group</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,182)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(92)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(25)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(47)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(41)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,321)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(82)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Disposals</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,493)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(183)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(20)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(71)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(45)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,747)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(73)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Write-offs</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >20,659</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >456</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >6,631</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,340</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,036</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,511</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >29,326</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,307</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >In </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2020</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >, gross write-offs amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >643</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >627</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) and post write-off recoveries amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2019</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >47</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >642m</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >580</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >Other financial assets subject to impairment </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >excluded</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > in the table</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >s</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >a total gross exposure of &#163;187.1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn (De</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >cember 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >25.5</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn) and impairment allow</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ance of &#163;168m (December 2019: &#163;22</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). This comprises &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >33m ECL (December 2019: &#163;10m) on &#163;181.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 1 assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >24.7bn), &#163;20</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;2m) on &#163;5.3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 2 fair value through other compreh</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ensive income assets, cash collateral and settle</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ment assets (December 2019: &#163;0.8bn) and &#163;115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (Dece</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >mber 2019: &#163;10m) on &#163;115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m Stage 3 other assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;10m)</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > Transfe</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >rs</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > to Barclays Group</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > reported within Credit cards, unsecured loans and </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >other </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >4</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >Disposals reported within Credit cards, unsecured loans and other retail lending portfolio includ</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >e sale of the motor financing business from</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > the Barclays Partner Finance business.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Loans and advances at amortised cost</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:15pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Wholesale loans</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >89,200</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7,515</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >234</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,163</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >383</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >97,878</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >731</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 1 to Stage 2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24,051)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(55)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24,051</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >55</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 2 to Stage 1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,589</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,589)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(12)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(688)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(507)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(39)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,195</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >139</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >109</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(248)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,309</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,128</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >212</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >42</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23,479</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >243</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10,474</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >136</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,791</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >334</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >349</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >539</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15,614</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,009</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Final repayments</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(20,273)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,606)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(15)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(260)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(36)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(22,139)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(69)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Disposals</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Write-offs</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >75,699</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >206</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >36,883</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >770</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,161</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >858</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >114,743</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,834</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td colspan='8' rowspan='1' style='width:444pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:444pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Reconciliation of ECL movement to impairment charge/(release) for the period</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >Home loans</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >75</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >1,319</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >Wholesale loans</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >1,183</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >ECL movement excluding assets derecognised due to disposals and write-offs</font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,577</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Recoveries and reimbursements</font><sup><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >3</font></sup></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(280)</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Exchange and other adjustments</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(103)</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Impairment charge on loan commitments and other financial guarantees</font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >331</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Impairment charge on other financial assets</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >149</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,674</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >In </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2020</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >, gross write-offs amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >643</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >627</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) and post write-off recoveries amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2019</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >47</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >642</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >580</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >Other financial assets subject to impairment </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >excluded from</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > the table</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >s</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >a total gross exposure of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >187.1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >25.5</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn) and impairment allow</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ance of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >168</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >22</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). This comprises &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >33</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m ECL (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >181.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 1 assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >24.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn), &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >20</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >5.3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 2 fair value through other compr</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ehensive income assets, cash collateral and settle</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ment assets (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >0.8</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn) and &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (Dece</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >mber 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m Stage 3 other assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Recoveries and reimbursements includes a net gain in relation to reimbursements </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >from guarantee contracts held with third parties of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >279</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m and </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >post write off recoveries of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;' >4</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Includes foreign exchange and interest and fees in suspense</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.5pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Loan commitments and financial guarantees</font></td></tr><tr style='height:12pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td></tr><tr style='height:10.75pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Home loans</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net transfers between stages</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >136</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >136</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Limit management</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >161</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >161</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >78,257</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,053</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >67</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >14</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >80,377</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >51</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net transfers between stages</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,633)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,394</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >239</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,641</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >57</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,699</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,735</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(74)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(273)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,388</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >50</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Limit management</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5,165)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(261)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5,430)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >79,835</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >41</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >4,169</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >41</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >30</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >18</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >84,034</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >100</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Wholesale loans</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >183,001</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >63</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12,053</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >97</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >636</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >195,690</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >201</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net transfers between stages</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(38,412)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(22)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >37,380</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,032</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24,878</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,389</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >30</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >107</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >28,374</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >37</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10,996</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >794</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >285</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(232)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,558</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >280</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Limit management</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(36,233)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,764)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(239)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(39,236)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(25)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >144,230</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >54</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >50,852</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >409</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,304</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >30</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >196,386</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >493</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Measurement uncertainty</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The Barclays Bank Group uses a five-scenario model to calculate ECL. Absent the conditions surrounding the COVID-19 pandemic, a Baseline scenario is typically generated based on an external consensus forecast assembled from key </font><font style='font-family:Calibri;font-size:9pt;' >sources, including HM Treasury (short and medium-term forecasts), Bloomberg (based on median of economic forecasts) and the Urban Land Institute (for US House Prices). In addition, two adverse scenarios (Downside 1 and Downside 2) and two favourable scenar</font><font style='font-family:Calibri;font-size:9pt;' >ios (Upside 1 and Upside 2) are derived, with associated probability weightings. The adverse scenarios are typically calibrated to a similar severity to internal stress tests, whilst also considering IFRS 9 specific sensitivities and non-linearity. Downsid</font><font style='font-family:Calibri;font-size:9pt;' >e 2 is typically benchmarked to the Bank of England&#8217;s annual cyclical scenarios and to the most severe scenario from Moody&#8217;s inventory, but is not designed to be the same. The favourable scenarios are generally calibrated to be symmetric to the adverse sce</font><font style='font-family:Calibri;font-size:9pt;' >narios, subject to a ceiling calibrated to relevant recent favourable benchmark scenarios. The scenarios include eight economic variables (GDP, unemployment, House Price Index (HPI) and base rates in both the UK and US markets), and expanded variables usin</font><font style='font-family:Calibri;font-size:9pt;' >g statistical models based on historical correlations. The upside and downside shocks are designed to evolve over a five-year stress horizon, with all five scenarios converging to a steady state after approximately </font><font style='font-family:Calibri;font-size:9pt;' >eight years</font><font style='font-family:Calibri;font-size:9pt;' >. To calculate ECL a probabili</font><font style='font-family:Calibri;font-size:9pt;' >ty weight is assigned to each scenario.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Following the onset of the COVID-19 pandemic, the Barclays Bank Group generated a Baseline scenario in March 2020 that reflected the most recent economic forecasts available in the market (combined with internal assu</font><font style='font-family:Calibri;font-size:9pt;' >mptions) and estimated impacts from significant support measures taken by Barclays, central banks and governments across the Barclays Bank Group&#8217;s key markets. This scenario assumed a strong contraction in GDP and a sharp rise in unemployment in 2020 acros</font><font style='font-family:Calibri;font-size:9pt;' >s both the UK and US, and required a recalibration of probability weights. This scenario was superseded by a further revised Baseline scenario generated </font><font style='font-family:Calibri;font-size:9pt;' >in June 2020</font><font style='font-family:Calibri;font-size:9pt;' >, based broadly on the latest economic </font><font style='font-family:Calibri;font-size:9pt;' >forecasts which</font><font style='font-family:Calibri;font-size:9pt;' > recognise some</font><font style='font-family:Calibri;font-size:9pt;' > the</font><font style='font-family:Calibri;font-size:9pt;' > impacts from the various support measures still in place across the Barclays Bank Group&#8217;s key markets. Upside and downside scenarios </font><font style='font-family:Calibri;font-size:9pt;' >were also</font><font style='font-family:Calibri;font-size:9pt;' > regenerated in June 2020</font><font style='font-family:Calibri;font-size:9pt;' > (together with the revised Baseline scenario, the &#8220;COVID-19 Scenarios&#8221;)</font><font style='font-family:Calibri;font-size:9pt;' >. </font><font style='font-family:Calibri;font-size:9pt;' >The downside scenarios reflect sl</font><font style='font-family:Calibri;font-size:9pt;' >ower economic growth than the Baseline with social distancing measures continuing to drag GDP. Economic growth begins to recover later in 2020 in Downside 1 but only in 2021 in the Downside 2 scenario. The upside scenarios reflect a faster rebound in econo</font><font style='font-family:Calibri;font-size:9pt;' >mic growth than the Baseline with a sharp decrease in infection rates and an almost fully reopened economy. </font><font style='font-family:Calibri;font-size:9pt;' >Scenario weights were also revised in June 2020 with greater weight being applied to the tail scenarios (Upside 2 and Downside 2). This reflects the</font><font style='font-family:Calibri;font-size:9pt;' > significant range</font><font style='font-family:Calibri;font-size:9pt;' > of uncertainty in the economic environment compared to previous quarters given the conditions surrounding the COVID-19 pandemic.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The economic environment remains uncertain and future impairment charges may be subject to further volatilit</font><font style='font-family:Calibri;font-size:9pt;' >y (including from changes to macroeconomic variable forecasts) depending on the longevity of the COVID-19 pandemic and related containment measures, as well as the longer term effectiveness of central bank, government and other support measures.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The tables</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >on next page</font><font style='font-family:Calibri;font-size:9pt;' > show the key macroeconomic variables used in the COVID-19 Baseline scenario and the probability weights applied to each respective scenario.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:14.25pt;' ><td colspan='5' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Baseline average macroeconomic variables used in the calculation of ECL</font></td></tr><tr style='height:23.25pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >2020</font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >2021</font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >2022</font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Expected Worst Point </font></td></tr><tr style='height:12pt;' ><td style='width:236.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8.7)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.1</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(51.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.6</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.5</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.0</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.6</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4.2)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.3)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(30.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9.3</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.6</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.5</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.8</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.8)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.9)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Avera</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >ge Real GDP seasonally adjusted change in year; e</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >xpected worst point using Seasonally Adjusted Annual Rate, SAAR</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >2</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Average UK unemployment rate 16-year+</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >3</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Change in average yearly UK HPI = Halifax All Houses, All Buyers index, relative to prior year </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >end; worst point is based on cumulative drawdown in year relative to prior year end.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >4</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Average US civilian unemployment rate 16-year+.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >5</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Change in average yearly US HPI = FHFA house price index, relative to prior year end; worst point is based on cumulative dr</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >awdown in year relative to prior year end. </font></span></p></div><p style='text-align:justify;line-height:12pt;' ></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Scenario probability weighting</font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Baseline</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 2</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Scenario probability weighting</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >20.3</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22.4</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >25.4</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17.5</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >14.4</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Scenario probability weighting</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >40.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Macroeconomic variables (specific bases)</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 2</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Baseline</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 2</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.7</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >26.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.2</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9.6</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10.9</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >45.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(15.0)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >18.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >20.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8.8)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >46.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8.2)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(32.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.5</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >37.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19.8)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.5</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.8</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >46.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.6</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(32.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.3)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >30.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(17.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >FHFA house price index.</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Forecast period based on 20 quarters from Q3 2020.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >2</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Upside scenario is the highest annual average growth rate based on seasonally adjusted quarterly annualised rate; 5-year average in Baseline; </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >downside is the lowest annual a</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >verage g</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >rowth rate based on seasonally adjusted quarterly annualised rate.</font></span></p></div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >3</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >L</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >owest </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >yearly average</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > in Upside scenarios; 5-year average in Baseline; highest </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >yearly average</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > in Downside scenarios.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >4</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Cumulative growth (trough to peak) in Upside scenarios; 5-year average i</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >n Baseline; cumulative fall (peak-to-trough) in Downside scenarios.</font></span></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Macroeconomic variables (5-year averages)</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 2</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Baseline</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 2</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.9</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.8</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.2</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.4)</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.8</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10.9</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.6</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.1)</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.5</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.9</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.6)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.9</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2.6)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >FHFA house price index</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:10pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Loans an</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >d advances </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >at amortised cost by product</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:3pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The table below presents a breakdown of </font><font style='font-family:Calibri;font-size:9pt;' >loans and advances at amortised cost</font><font style='font-family:Calibri;font-size:9pt;' > and the impairment allowance with </font><font style='font-family:Calibri;font-size:9pt;' >s</font><font style='font-family:Calibri;font-size:9pt;' >tage allocation by asse</font><font style='font-family:Calibri;font-size:9pt;' >t classification</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='4' rowspan='1' style='width:165pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:165pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td style='width:41.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:41.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Not past due</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >&lt;=30 days past due</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >&gt;30 days past due</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font><sup><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Gross exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,670</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >638</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >62</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >179</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >879</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,142</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11,691</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >20,659</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,077</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >206</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >348</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,631</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,036</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >29,326</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >75,699</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >33,288</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,961</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >634</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >36,883</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,161</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >114,743</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >106,028</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >40,003</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3,229</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,161</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >44,393</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >5,339</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >155,760</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Impairment allowance</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >12</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >28</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >15</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >54</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >350</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >416</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >456</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,096</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >86</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >158</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,340</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,511</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,307</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >206</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >654</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >92</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >24</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >770</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >858</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,834</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >674</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,778</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >189</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >197</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,164</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,719</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >5,557</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Net exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,658</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >610</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >51</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >164</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >825</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >792</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11,275</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >20,203</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4,981</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >120</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >190</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >5,291</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >525</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >26,019</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >75,493</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >32,634</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,869</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >610</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >36,113</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,303</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >112,909</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >105,354</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >38,225</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3,040</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >964</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >42,229</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,620</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >150,203</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Coverage ratio</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >17.7</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >8.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >30.6</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.6</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >18.0</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >41.7</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >45.4</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >20.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >74.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11.3</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.8</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >39.7</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1.6</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >0.6</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >4.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >5.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >17.0</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >4.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >50.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3.6</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Gross exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,604</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >544</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >48</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >82</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >674</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,056</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >11,334</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >29,541</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,806</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >304</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >340</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4,450</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,129</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >36,120</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >89,200</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,489</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >354</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >672</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7,515</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,163</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >97,878</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >128,345</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >10,839</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >706</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,094</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >12,639</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >4,348</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >145,332</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Impairment allowance</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >16</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >24</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >40</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >292</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >348</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >362</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >523</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >99</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >162</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >784</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1,471</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2,617</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >114</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >219</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >8</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >234</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >383</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >731</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >492</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >766</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >116</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >176</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >1,058</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,146</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >3,696</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Net exposure</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >9,588</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >520</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >39</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >75</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >634</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >764</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >10,986</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >29,179</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,283</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >205</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >178</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3,666</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >658</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >33,503</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >89,086</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >6,270</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >346</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >665</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7,281</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >780</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >97,147</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >127,853</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >10,073</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >590</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >918</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >11,581</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2,202</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >141,636</font></td></tr><tr style='height:7pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B050;' ></font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Coverage ratio</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#00B0F0;' >%</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Home loans</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >18.8</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >8.5</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >5.9</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >27.7</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.1</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1.2</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >13.7</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >32.6</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >47.6</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >17.6</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >69.1</font></td><td style='width:41.25pt;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >7.2</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >Wholesale loans</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >32.9</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:Black;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;color:#000000;' >0.7</font></td></tr><tr style='height:10pt;' ><td style='width:193.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:193.5pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >0.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >7.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >16.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >16.1</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >8.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >49.4</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#F3F3F3;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Expert Sans Regular;font-size:8pt;font-weight:bold;color:#000000;' >2.5</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:1pt;margin-bottom:1pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other financial </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >assets subject to impairment ex</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >cluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >exposure of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >187.1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >125.5</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn) and impairment allowance of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >168</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >22</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m). This compri</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >ses &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >33</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) ECL</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >181.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >124.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn) Stage 1 assets, &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >20</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >December </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >5.3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn (December 2019: </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >&#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >0.8</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >bn) Stage 2 fair value through other comprehensive income assets and &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019:</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >&#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019:</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >&#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >593</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >252</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m).</font></span></p></div> 9658000000 11275000000 1834000000 206000000 6631000000 36883000000 40003000000 179000000 28000000 1142000000 3696000000 348000000 9604000000 40000000 116000000 162000000 780000000 4348000000 0.084 0.188 0.001 0.059 0.038 0 1240000000 0 57277000000 82000000 109461000000 35212000000 0 0 1731000000 898000000 876672000000 172000000 -1000000 14000000 1000000 67000000 36709000000 1797000000 1260000000 1293000000 1631000000 42000000 198000000 294000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >3</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >. </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Net fee and commission income</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Fee and commission income is disaggregated below and includes a total for fees in scope of IFRS 15, Revenue from Contracts with Customers:</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:33.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:11.25pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee type</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transactional </font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >177</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >968</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,145</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Advisory</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >260</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >46</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >306</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Brokerage and execution</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >654</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >31</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >685</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Underwriting and syndication</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,468</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,468</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >100</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >154</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total revenue from contracts with customers</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,594</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,145</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >19</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,758</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other non-contract fee income</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >57</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >60</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,651</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,148</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,818</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Fee and commission expense</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(441)</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(497)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(939)</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,210</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >651</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >18</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,879</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:33.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:11.25pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee type</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transactional </font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >185</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,168</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,353</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Advisory</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >364</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >405</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Brokerage and execution</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >512</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >536</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Underwriting and syndication</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,240</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,240</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >62</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >124</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >202</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total revenue from contracts with customers</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,363</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,357</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,736</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other non-contract fee income</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >54</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >54</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,417</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,357</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,790</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Fee and commission expense</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(350)</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(611)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(961)</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,067</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >746</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,829</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Transactional fees are service charges on deposit accounts, cash management services and transactional processing fees. This includes interchange and merchant fee income generated from credit and </font><font style='font-family:Calibri;font-size:9pt;' >bank card</font><font style='font-family:Calibri;font-size:9pt;' > usage.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Advisory fees are generated from asset </font><font style='font-family:Calibri;font-size:9pt;' >management services and advisory services related to mergers, acquisitions and financial restructuring.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Brokerage and execution fees </font><font style='font-family:Calibri;font-size:9pt;' >are earned</font><font style='font-family:Calibri;font-size:9pt;' > for executing client transactions with exchanges and over-the-counter markets and assisting clients in clearing</font><font style='font-family:Calibri;font-size:9pt;' > transactions.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;color:#000000;' >Underwriting and syndication fees </font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >are earned</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' > for the distribution of client equity or debt securities, and the arrangement and administration of a loan syndication. This includes commitment fees to provide loan financing.</font></p></div> 132000000 -47000000 12000000 0 -1000000 159000000 0 2879000000 0 0 157000000 0 0 50000000 145000000 841000000 229641000000 114000000 2250000000 -1185000000 0 0 0 0 4000000 1465000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table shows Barclays Bank Group&#8217;s assets and liabilities that </font><font style='font-family:Calibri;font-size:9pt;' >are held</font><font style='font-family:Calibri;font-size:9pt;' > at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification:</font></p><p style='text-align:left;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='3' rowspan='1' style='width:168.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:168.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Valuation technique using</font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:33pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Quoted market prices</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Observable inputs</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Significant unobservable inputs</font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >(Level 1)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >(Level 2)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >(Level 3)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >49,106</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >57,277</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,078</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >109,461</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,824</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >148,894</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,822</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >155,540</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8,761</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >291,142</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7,747</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >307,650</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13,172</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41,642</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >347</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >55,161</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment property</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >72,863</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >538,955</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16,004</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >627,822</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(31,333)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19,045)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(50,378)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(123)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(221,664)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(355)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(222,142)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8,445)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(290,612)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8,932)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(307,989)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(39,901)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(531,321)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(9,287)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(580,509)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >59,968</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >51,105</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,264</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >113,337</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10,300</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115,008</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,162</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >129,470</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,439</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >221,048</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,154</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >229,641</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,577</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >33,400</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >429</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >45,406</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment property</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >87,284</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >420,561</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >10,022</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >517,867</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19,645)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(15,567)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(35,212)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(82)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(204,021)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(343)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(204,446)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5,305)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(219,646)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,989)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(228,940)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(25,032)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(439,234)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,332)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(468,598)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table shows Barclays Bank Group&#8217;s Level 3 assets and liabilities that are held at fair value disaggregated by product type:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:120pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='2' rowspan='1' style='width:120pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:120pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td colspan='2' rowspan='1' style='width:120pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >As at 31.12.19</font></td></tr><tr style='height:13.5pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Assets </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Liabilities</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >Assets </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >Liabilities</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Interest rate derivatives </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,152</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,772)</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >605</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(812)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Foreign exchange derivatives </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >655</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(588)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >291</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(298)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit derivatives</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >193</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(456)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >539</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(342)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity derivatives </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,730</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,099)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,710</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,528)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Commodity derivatives </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td></tr><tr style='height:12.75pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Corporate debt </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >516</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >521</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Reverse repurchase and repurchase agreements </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(176)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(167)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Non-asset backed loans </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,827</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,280</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Asset backed securities </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >740</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >756</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity cash products </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,145</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,228</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Private equity investments</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >126</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >112</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >903</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(179)</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >971</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(176)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16,004</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(9,287)</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >10,022</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,332)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:1pt;margin-bottom:1pt;' ><span style='min-width:18pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other includes commercial real estate loans, fund and fund-linked products,</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.</font></span></p></div> 1000000 0 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >16</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > Barclays Bank PLC parent condensed balance s</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >heet</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:14.4pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Assets</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash and balances at central banks </font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >128,461</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >112,287</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash collateral and settlement balances</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115,391</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >75,822</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Loans and advances at amortised cost</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >186,606</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >161,663</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Reverse repurchase agreements and other similar secured lending </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22,926</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,939</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >73,646</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >79,079</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >187,575</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >162,500</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >304,807</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >229,338</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >53,475</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >43,760</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment in associates and joint ventures</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >119</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment in subsidiaries</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16,653</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16,105</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Goodwill and intangible assets </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Property, plant and equipment</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >419</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >426</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Current tax assets </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,045</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >946</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deferred tax assets</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,203</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,115</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Retirement benefit assets</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,797</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,062</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other assets</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,234</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >845</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,096,368</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >891,121</font></td></tr><tr style='height:5.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Liabilities</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deposits at amortised cost</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >268,286</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >240,631</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash collateral and settlement balances </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >94,744</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >59,448</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Repurchase agreements and other similar secured borrowing </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9,778</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9,185</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Debt securities in issue</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34,926</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,883</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Subordinated liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36,937</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >33,205</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >53,953</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >45,130</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >234,510</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >207,765</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >306,288</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >225,607</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Current tax liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >287</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >221</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deferred tax liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,083</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >80</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Retirement benefit liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >105</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >104</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,297</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,807</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Provisions</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >885</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >630</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,045,079</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >844,696</font></td></tr><tr style='height:5.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Equity</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Called up share capital and share premium</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,348</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,348</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other equity instruments </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,089</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,089</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other reserves</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,763</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >678</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Retained earnings </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35,089</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32,310</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total equity</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >51,289</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >46,425</font></td></tr><tr style='height:5.25pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities and equity</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,096,368</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >891,121</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In H120, Barclays </font><font style='font-family:Calibri;font-size:9pt;' >Bank</font><font style='font-family:Calibri;font-size:9pt;' > PLC</font><font style='font-family:Calibri;font-size:9pt;' > sold its investments in Barclaycard International Payments Limited, </font><font style='font-family:Calibri;font-size:9pt;' >Entercard</font><font style='font-family:Calibri;font-size:9pt;' > Group AB, Carnegie Holdings Limited and Barclays Mercantile Business Finance Limited t</font><font style='font-family:Calibri;font-size:9pt;' >o Barclays Principal Investments Limited, a fellow group company, at their fair values of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >102</font><font style='font-family:Calibri;font-size:9pt;' >m, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >292</font><font style='font-family:Calibri;font-size:9pt;' >m, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >188</font><font style='font-family:Calibri;font-size:9pt;' >m and </font><font style='font-family:Calibri;font-size:9pt;' >&#163;</font><font style='font-family:Calibri;font-size:9pt;' >154</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' > respectively.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Barclays </font><font style='font-family:Calibri;font-size:9pt;' >Bank</font><font style='font-family:Calibri;font-size:9pt;' > PLC</font><font style='font-family:Calibri;font-size:9pt;' > recorded profit </font><font style='font-family:Calibri;font-size:9pt;' >on disposal of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >56</font><font style='font-family:Calibri;font-size:9pt;' >m, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >192</font><font style='font-family:Calibri;font-size:9pt;' >m, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >133</font><font style='font-family:Calibri;font-size:9pt;' >m and </font><font style='font-family:Calibri;font-size:9pt;' >&#163;</font><font style='font-family:Calibri;font-size:9pt;' >23</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' > in respect of these transactions. The Barclays Bank </font><font style='font-family:Calibri;font-size:9pt;' >Group</font><font style='font-family:Calibri;font-size:9pt;' > recorded profit on disposal of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >4</font><font style='font-family:Calibri;font-size:9pt;' >5</font><font style='font-family:Calibri;font-size:9pt;' >m, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >13</font><font style='font-family:Calibri;font-size:9pt;' >m, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >57</font><font style='font-family:Calibri;font-size:9pt;' >m and </font><font style='font-family:Calibri;font-size:9pt;' >&#163;</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' >m.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Barclays Bank PLC considers the carrying value of its investment in subsidiaries to be fully rec</font><font style='font-family:Calibri;font-size:9pt;' >overable</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div> 5000000 -1106000000 126000000 5793000000 150203000000 5000000 352000000 2017000000 -10000000 355000000 248000000 -378000000 10000000 0 181000000 -17000000 <div><table style='border-collapse:collapse;' ><tr style='height:14.4pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Assets</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash and balances at central banks </font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >128,461</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >112,287</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash collateral and settlement balances</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115,391</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >75,822</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Loans and advances at amortised cost</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >186,606</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >161,663</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Reverse repurchase agreements and other similar secured lending </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22,926</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,939</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >73,646</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >79,079</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >187,575</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >162,500</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >304,807</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >229,338</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >53,475</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >43,760</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment in associates and joint ventures</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >119</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment in subsidiaries</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16,653</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16,105</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Goodwill and intangible assets </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Property, plant and equipment</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >419</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >426</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Current tax assets </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,045</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >946</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deferred tax assets</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,203</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,115</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Retirement benefit assets</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,797</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,062</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other assets</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,234</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >845</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,096,368</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >891,121</font></td></tr><tr style='height:5.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Liabilities</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deposits at amortised cost</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >268,286</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >240,631</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash collateral and settlement balances </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >94,744</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >59,448</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Repurchase agreements and other similar secured borrowing </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9,778</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9,185</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Debt securities in issue</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34,926</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,883</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Subordinated liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36,937</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >33,205</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >53,953</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >45,130</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >234,510</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >207,765</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >306,288</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >225,607</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Current tax liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >287</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >221</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deferred tax liabilities </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,083</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >80</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Retirement benefit liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >105</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >104</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,297</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,807</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Provisions</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >885</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >630</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,045,079</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >844,696</font></td></tr><tr style='height:5.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Equity</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Called up share capital and share premium</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,348</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,348</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other equity instruments </font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,089</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,089</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other reserves</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,763</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >678</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Retained earnings </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35,089</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32,310</font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total equity</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >51,289</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >46,425</font></td></tr><tr style='height:5.25pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.5pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities and equity</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,096,368</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >891,121</font></td></tr></table></div> 0 2000000 0 0 968000000 2651000000 2417000000 1357000000 3790000000 392000000 0 902000000 21000000 6000000 23777000000 1162000000 1291000000 29000000 Structured and brokered certificates of deposit issued by Barclays Bank Group are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC) in the United States. The FDIC is funded by premiums that the Barclays Bank Group and other banks pay for deposit insurance coverage. The carrying value of these issued certificates of deposit that are designated under the IFRS 9 fair value option includes this third party credit enhancement. 20203000000 51000000 3040000000 456000000 62000000 11000000 29541000000 219000000 304000000 340000000 205000000 178000000 0.059 0.277 0.17 0.031 124700000000 10000000 1000000 49106000000 41642000000 16004000000 8932000000 39901000000 115008000000 0 204021000000 204446000000 178000000 0 0 355000000 40000000 2000000 <div><table style='border-collapse:collapse;' ><tr style='height:11.25pt;' ><td style='width:321.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' > </font></td><td colspan='1' rowspan='2' style='width:80.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended </font><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td colspan='1' rowspan='2' style='width:80.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended </font><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.19</font></td></tr><tr style='height:11.25pt;' ><td style='width:321.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:321.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Dividends paid during the period</font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td></tr><tr style='height:12pt;' ><td style='width:321.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Ordinary shares</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >263</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#A7A7A7;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:321.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Preference shares</font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >28</font></td><td style='width:80.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td></tr><tr style='height:12.75pt;' ><td style='width:321.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:321.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >291</font></td><td style='width:80.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:80.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td></tr></table></div> 1453000000 -24000000 0 -76000000 -263000000 337000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Amounts included in the Barclays Bank </font><font style='font-family:Calibri;font-size:9pt;' >Group&#8217;s </font><font style='font-family:Calibri;font-size:9pt;' >financial statements</font><font style='font-family:Calibri;font-size:9pt;' > with other Barclays Group companies</font><font style='font-family:Calibri;font-size:9pt;' > are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td></tr><tr style='height:24pt;' ><td style='width:257.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total income</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(346)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >31</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(275)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Operating expenses</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(34)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,443)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(46)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,546)</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td></tr><tr style='height:24pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,793</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,952</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,097</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,165</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27,262</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24,876</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,600</font></td></tr></table></div> -330000000 23000000 41000000 <div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >8. Provisions</font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > 30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#808080;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Customer redress</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >71</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Legal, competition and regulatory matters</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >250</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >374</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Redundancy and restructuring</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >63</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Undrawn contractually committed facilities and guarantees</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >593</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >252</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Onerous contracts</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >20</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Sundry provisions</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >172</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >171</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,085</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >951</font></td></tr></table></div> 1211000000 6785000000 0 2348000000 -2000000 2622000000 <div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Contingent liabilities</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Guarantees and letters of credit pledged as collateral security</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15,825</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17,006</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Performance guarantees, acceptances and endorsements</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,589</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,771</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >22,414</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >23,777</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Commitments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Documentary credits and other short-term trade related transactions</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,162</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,291</font></td></tr><tr style='height:12.75pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Standby facilities, credit lines and other commitments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >264,376</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >268,736</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >265,538</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >270,027</font></td></tr></table></div> 27262000000 172000000 1212000000 2000000 0 -90000000 12000000 0 0 0 310000000 6319000000 1247000000 <div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >12. Other reserves</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:15pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Currency translation reserve</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,769</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,383</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Fair value through other comprehensive income reserve</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(139)</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash flow hedging reserve</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,453</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >388</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Own credit reserve</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >123</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(373)</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other reserves </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24)</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >6,319</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,235</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;' >Currency </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >t</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >ranslation </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >r</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >eserve</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The currency translation reserve represents the cumulative gains and losses on the retranslation of Barclays Bank Group&#8217;s net investment in foreign operations, net of the effects of hedging.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >As at 30 June </font><font style='font-family:Calibri;font-size:9pt;' >2020</font><font style='font-family:Calibri;font-size:9pt;' >, there was </font><font style='font-family:Calibri;font-size:9pt;' >a</font><font style='font-family:Calibri;font-size:9pt;' > credit balance of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >4,769</font><font style='font-family:Calibri;font-size:9pt;' >m (December </font><font style='font-family:Calibri;font-size:9pt;' >2019</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >3,383</font><font style='font-family:Calibri;font-size:9pt;' >m credit) in the currency tr</font><font style='font-family:Calibri;font-size:9pt;' >anslation reserve. The &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1,386</font><font style='font-family:Calibri;font-size:9pt;' >m credit movement principally reflected the strengthening of </font><font style='font-family:Calibri;font-size:9pt;' >period end </font><font style='font-family:Calibri;font-size:9pt;' >USD</font><font style='font-family:Calibri;font-size:9pt;' > exchange rate</font><font style='font-family:Calibri;font-size:9pt;' > against GBP</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#000000;' >Fair value through other comprehensive income reserve</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The fair value through other comprehensive income reserve represents the unrealised change in the fair value through other comprehensive income investments since initial recognition. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >As at 30 June </font><font style='font-family:Calibri;font-size:9pt;' >2020, there was a debit balance of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >139</font><font style='font-family:Calibri;font-size:9pt;' >m debit) in the fair value through other comprehensive </font><font style='font-family:Calibri;font-size:9pt;' >income reserve. The gain of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >137</font><font style='font-family:Calibri;font-size:9pt;' >m is principally driven by a &#163;</font><font style='font-family:Calibri;font-size:9pt;' >277</font><font style='font-family:Calibri;font-size:9pt;' >m gain from the increase in fair value of bonds due to decreasing bond yields</font><font style='font-family:Calibri;font-size:9pt;' >. This is partially offset by &#163;</font><font style='font-family:Calibri;font-size:9pt;' >114</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' > of net gains transferred to the income statement</font><font style='font-family:Calibri;font-size:9pt;' > and a tax charge of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >42</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#000000;' >Cash </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >f</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >low </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >h</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >edg</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >ing</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' > </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >r</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >eserve</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The cash flow hedging reserve represents the cumulative gains and losses on effective cash flow hedging instruments that will be recycled to the income statement when the hedged transactions affect profit or loss.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >As at</font><font style='font-family:Calibri;font-size:9pt;' > 30 June 2020</font><font style='font-family:Calibri;font-size:9pt;' >, </font><font style='font-family:Calibri;font-size:9pt;' >there was a credit balance of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1,4</font><font style='font-family:Calibri;font-size:9pt;' >53</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >388</font><font style='font-family:Calibri;font-size:9pt;' >m cred</font><font style='font-family:Calibri;font-size:9pt;' >it) in the c</font><font style='font-family:Calibri;font-size:9pt;' >ash flow hedgi</font><font style='font-family:Calibri;font-size:9pt;' >ng reserve. The increase of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1,</font><font style='font-family:Calibri;font-size:9pt;' >065</font><font style='font-family:Calibri;font-size:9pt;' >m principally reflect</font><font style='font-family:Calibri;font-size:9pt;' >s</font><font style='font-family:Calibri;font-size:9pt;' > a &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1,5</font><font style='font-family:Calibri;font-size:9pt;' >87</font><font style='font-family:Calibri;font-size:9pt;' >m in</font><font style='font-family:Calibri;font-size:9pt;' >crease in the fair value of interest rate swaps held for hedging purpose as </font><font style='font-family:Calibri;font-size:9pt;' >major </font><font style='font-family:Calibri;font-size:9pt;' >interes</font><font style='font-family:Calibri;font-size:9pt;' >t ra</font><font style='font-family:Calibri;font-size:9pt;' >te</font><font style='font-family:Calibri;font-size:9pt;' > forward</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >curves decreased</font><font style='font-family:Calibri;font-size:9pt;' >.</font><font style='font-family:Calibri;font-size:9pt;' > This is partially offset by</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >&#163;</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' >17</font><font style='font-family:Calibri;font-size:9pt;' >m of </font><font style='font-family:Calibri;font-size:9pt;' >g</font><font style='font-family:Calibri;font-size:9pt;' >ains</font><font style='font-family:Calibri;font-size:9pt;' > transferred to</font><font style='font-family:Calibri;font-size:9pt;' > the</font><font style='font-family:Calibri;font-size:9pt;' > income statement</font><font style='font-family:Calibri;font-size:9pt;' > and a t</font><font style='font-family:Calibri;font-size:9pt;' >ax</font><font style='font-family:Calibri;font-size:9pt;' > charge</font><font style='font-family:Calibri;font-size:9pt;' > of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >408</font><font style='font-family:Calibri;font-size:9pt;' >m</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#000000;' >Own credit </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >r</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#000000;' >eserve</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The own credit reserve reflects the cumulative own credit gains and losses on financial liabilities at fair value. Amou</font><font style='font-family:Calibri;font-size:9pt;' >nts in the own credit reserve are</font><font style='font-family:Calibri;font-size:9pt;' > not recycled to profit or loss in future periods.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >As at 30 June 2020, there was a </font><font style='font-family:Calibri;font-size:9pt;' >credit balance of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >123</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >373</font><font style='font-family:Calibri;font-size:9pt;' >m debit) in the own credit reserve. The movement of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >496</font><font style='font-family:Calibri;font-size:9pt;' >m </font><font style='font-family:Calibri;font-size:9pt;' >principally reflect</font><font style='font-family:Calibri;font-size:9pt;' >s</font><font style='font-family:Calibri;font-size:9pt;' > a</font><font style='font-family:Calibri;font-size:9pt;' > &#163;</font><font style='font-family:Calibri;font-size:9pt;' >845</font><font style='font-family:Calibri;font-size:9pt;' >m gain from the widening of Barclays funding spreads. This is partially offset by other activity of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >209</font><font style='font-family:Calibri;font-size:9pt;' >m and a</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >tax</font><font style='font-family:Calibri;font-size:9pt;' > charge</font><font style='font-family:Calibri;font-size:9pt;' > of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >14</font><font style='font-family:Calibri;font-size:9pt;' >4</font><font style='font-family:Calibri;font-size:9pt;' >m</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#000000;' >Other reserves </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;color:#000000;' >As at 30 June </font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >2020</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >, </font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >there was a debit balance of &#163;</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >24</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >m (December </font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >2019</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >24</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >m debit) in other reserves relating to redeemed ordinary and preference shares issued by Barclays Bank Group.</font></p></div> 0 1000000 -145000000 0 21000000 1654000000 -206000000 1000000 -256000000 0 0 2930000000 91000000 11000000 1865000000 0 2380000000 53000000 4608000000 0 2348000000 -340000000 0 1145000000 60000000 350000000 2363000000 -206000000 0 19811 15825000000 264376000000 2097000000 2342000000 1 false 610000000 150203000000 75699000000 12000000 638000000 858000000 1058000000 75000000 3283000000 764000000 0.161 0.044 0.016 0.006 0.021 0.417 0.02 125500000000 10000000 11400000000 24000000 3078000000 148894000000 9287000000 5439000000 221048000000 13000000 87284000000 468598000000 -1000000 353000000 128000000 8025000000 0 7122000000 50496000000 0 0 -1000000 6612000000 113341000000 320000000 20000000 141636000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >15</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >. </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Related party transactions</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Related party transactions in the half year ended </font><font style='font-family:Calibri;font-size:9pt;' >30 June 2020</font><font style='font-family:Calibri;font-size:9pt;' > were similar in nature to those disclosed in the Barclays Bank PLC Annual Report</font><font style='font-family:Calibri;font-size:9pt;' > on Form 20-F</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >2019</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Amounts included in the Barclays Bank </font><font style='font-family:Calibri;font-size:9pt;' >Group&#8217;s </font><font style='font-family:Calibri;font-size:9pt;' >financial statements</font><font style='font-family:Calibri;font-size:9pt;' > with other Barclays Group companies</font><font style='font-family:Calibri;font-size:9pt;' > are as follows:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td></tr><tr style='height:24pt;' ><td style='width:257.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total income</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(346)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >31</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(275)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Operating expenses</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(34)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,443)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(46)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,546)</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td colspan='2' rowspan='1' style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td></tr><tr style='height:24pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Parent</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fellow subsidiaries</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,793</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,952</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,097</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,165</font></td></tr><tr style='height:12pt;' ><td style='width:257.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:257.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27,262</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,531</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24,876</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,600</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Except for the above, no related party transactions that have taken place in the half year ended 30 June </font><font style='font-family:Calibri;font-size:9pt;' >2020</font><font style='font-family:Calibri;font-size:9pt;' > have materially affected the financial position or performance of the Barclays Bank Group during this period.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> 3680000000 0 19000000 2349000000 2000000 97000000 110000000 -1000000 740000000 4000000 -346000000 1436000000 0 76000000 0 0 8025000000 2572000000 48000000 2334000000 6000000 -57000000 0 8323000000 0 -564000000 116000000 34000000 623000000 -5000000 -158000000 510000000 198000000 3615000000 23000000 0 -175000000 0 380000000 -11000000 3000000 0 181000000 106000000 0 36252000000 -340000000 0 0 654000000 19000000 3758000000 497000000 939000000 0 1357000000 16000000 0 343000000 22000000 1731000000 2032000000 4033 265538000000 2184000000 2000000 2020-06-30 42229000000 825000000 5291000000 32634000000 525000000 11691000000 9670000000 54000000 348000000 33288000000 350000000 127853000000 9588000000 7000000 520000000 39000000 665000000 2146000000 0.164 0.061 0.202 0.18 364000000 4822000000 0 10000000 55161000000 10000000 835000000 0 0 0 0 0 0 0 -3685000000 0 0 260000000 1240000000 7804000000 1952000000 19000000 -4571000000 -12000000 210000000 376000000 19811000000 50615000000 2062000000 876672000000 0 3872000000 263000000 24000000 3000000 0 -19000000 0 -22000000 -109000000 -7000000 0 0 2674000000 900000000 123000000 148000000 2000000 2191000000 1523000000 3000000 -16000000 1031000000 -8000000 63000000 -23000000 86000000 0 30000000 245737000000 198000000 -373000000 5016000000 0 171000000 4000000 56694000000 4033000000 319000000 -127000000 6717000000 9000000 593000000 0 0 0 55000000 Regulators and law enforcement agencies, including certain competition authorities, from a number of governments have conducted investigations relating to Barclays Bank PLC’s involvement in allegedly manipulating certain financial benchmarks, such as LIBOR. The SFO has closed its investigation with no action to be taken against the Barclays Group. Various individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Barclays Group and other banks in relation to the alleged manipulation of LIBOR and/or other benchmarks. Certain actions remain pending. 155792000000 -220000000 13000000 0 14000000 0 5963000000 79486000000 2848000000 -3000000 7000000 0 960000000 2093000000 4567000000 268000000 396000000 1424000000 2289000000 33000000 0 138000000 25000000 1171000000 2348000000 388000000 0 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Valuation techniques and sensitivity analysis</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity methodologies applied take </font><font style='font-family:Calibri;font-size:9pt;' >account of the nature of valuation techniques used, as well as the availability and reliability of observable proxy and historical data and the impact of using alternative models.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:439.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:439.5pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Sensitivity analysis of valuations using unobservable inputs</font></td><td style='width:40.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='3' rowspan='1' style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:150.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='3' rowspan='1' style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:130.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:117pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='2' rowspan='1' style='width:94.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:94.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Favourable changes</font></td><td colspan='2' rowspan='1' style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:97.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Unfavourable changes</font></td><td colspan='2' rowspan='1' style='width:84.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:84.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Favourable changes</font></td><td colspan='2' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:86.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Unfavourable changes</font></td></tr><tr style='height:25.5pt;' ><td style='width:117pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income Statement</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income Statement</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td></tr><tr style='height:11.25pt;' ><td style='width:117pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Interest rate derivatives</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >138</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(256)</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >44</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(127)</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Foreign exchange derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(11)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >127</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(109)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >73</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(47)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >151</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(158)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(119)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Commodity derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Corporate debt</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(23)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >159</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(322)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >125</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(228)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity cash products</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >164</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(206)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >123</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(175)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Private equity investments</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >18</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(25)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >789</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(1,106)</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >512</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(745)</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(8)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other includes commercial real estate loans, fund and fund-linked products</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >,</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > asset backed loans, issued debt, commercial paper, government sponsored debt and investment propert</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >y.</font></p></div> -146000000 789000000 39704000000 8323000000 -228000000 0 1235000000 418000000 44000000 1000000 0 251000000 11000000 15000000 51000000 1000000 1421000000 -25000000 -11000000 0 30000000 <div><table style='border-collapse:collapse;' ><tr style='height:18.75pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Split of income by geographic region</font><sup><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.19</font></td></tr><tr style='height:9.75pt;' ><td style='width:347.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,835</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,089</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Europe</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,240</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >783</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Americas</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,872</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,680</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Africa and Middle East</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Asia</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >667</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >529</font></td></tr><tr style='height:12.75pt;' ><td style='width:347.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total </font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >8,637</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >7,122</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >T</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >he geographical analysis is now based on the location of office where the transactions are recorded, whereas </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >in the prior year</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >it was</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > based on counterparty</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > location. The </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >approach was changed at year-end 2019 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >and </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >is better aligned to the geographical view of the business following the implementation </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >of structural reform. Prior year</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > comparatives have been restated</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></p></div> 13000000 70000000 388000000 3000000 0 100000000 441000000 2067000000 -835000000 5690000000 0 75000000 178000000 6589000000 1000000 151000000 22000000 2193000000 16000000 3687000000 2742000000 688000000 3249000000 1000000 995000000 2165000000 24876000000 5701000000 31856 0 1148000000 19000000 611000000 961000000 Transactional fees are service charges on deposit accounts, cash management services and transactional processing fees. This includes interchange and merchant fee income generated from credit and bank card usage. 1250000000 249000000 1731000000 1546000000 100000000 36113000000 610000000 2869000000 792000000 1340000000 1778000000 189000000 158000000 362000000 674000000 4450000000 590000000 918000000 10839000000 544000000 2202000000 1163000000 0.004 0.071 0.476 0.036 0.113 0.084 0.742 0.397 1303000000 770000000 2961000000 634000000 654000000 1511000000 11334000000 36120000000 89086000000 7515000000 706000000 99000000 82000000 658000000 0.012 0.023 0.01 0.044 0.454 800000000 1293000000 250000000 0 164000000 -300000000 0 1084000000 80000000 9000000 0 0 8000000 951000000 8323000000 783000000 2348000000 65700000000 0 P3Y 5053000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >6</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Fair v</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >alue of </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >financial i</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >nstruments</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >This section should be read in conjunction with Note 16, Fair value of financial instruments of the Barclays Bank PLC Annual Report </font><font style='font-family:Calibri;font-size:9pt;' >2019 and Note </font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' >, Basis of preparation on page 25</font><font style='font-family:Calibri;font-size:9pt;' >, which provides more detail about accounting policies adopted, valuation methodologies used in calculating fair value and the valuation control framework which governs oversight of valuations.</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >There have been no changes in the a</font><font style='font-family:Calibri;font-size:9pt;' >ccounting policies adopted or the valuation methodologies used.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Valuation</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table shows Barclays Bank Group&#8217;s assets and liabilities that </font><font style='font-family:Calibri;font-size:9pt;' >are held</font><font style='font-family:Calibri;font-size:9pt;' > at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification:</font></p><p style='text-align:left;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='3' rowspan='1' style='width:168.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:168.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Valuation technique using</font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:33pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Quoted market prices</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Observable inputs</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Significant unobservable inputs</font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >(Level 1)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >(Level 2)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >(Level 3)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >49,106</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >57,277</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,078</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >109,461</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,824</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >148,894</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,822</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >155,540</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8,761</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >291,142</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7,747</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >307,650</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13,172</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41,642</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >347</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >55,161</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment property</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >72,863</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >538,955</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16,004</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >627,822</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(31,333)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19,045)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(50,378)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(123)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(221,664)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(355)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(222,142)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8,445)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(290,612)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8,932)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(307,989)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(39,901)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(531,321)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(9,287)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(580,509)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >59,968</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >51,105</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,264</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >113,337</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10,300</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115,008</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,162</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >129,470</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,439</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >221,048</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,154</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >229,641</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,577</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >33,400</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >429</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >45,406</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment property</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >87,284</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >420,561</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >10,022</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >517,867</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19,645)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(15,567)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(35,212)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(82)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(204,021)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(343)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(204,446)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative financial instruments</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5,305)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(219,646)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,989)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(228,940)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total liabilities</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(25,032)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(439,234)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,332)</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(468,598)</font></td></tr><tr style='height:12pt;' ><td style='width:253.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:253.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table shows Barclays Bank Group&#8217;s Level 3 assets and liabilities that are held at fair value disaggregated by product type:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:120pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='2' rowspan='1' style='width:120pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:120pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td colspan='2' rowspan='1' style='width:120pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:120pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >As at 31.12.19</font></td></tr><tr style='height:13.5pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Assets </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Liabilities</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >Assets </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >Liabilities</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Interest rate derivatives </font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,152</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,772)</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >605</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(812)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Foreign exchange derivatives </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >655</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(588)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >291</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(298)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit derivatives</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >193</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(456)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >539</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(342)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity derivatives </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,730</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,099)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,710</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,528)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Commodity derivatives </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td></tr><tr style='height:12.75pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Corporate debt </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >516</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >521</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Reverse repurchase and repurchase agreements </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(176)</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(167)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Non-asset backed loans </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,827</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,280</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Asset backed securities </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >740</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >756</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity cash products </font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,145</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,228</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Private equity investments</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >126</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >112</font></td><td style='width:60pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >903</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(179)</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >971</font></td><td style='width:60pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(176)</font></td></tr><tr style='height:12pt;' ><td style='width:241.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:241.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16,004</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(9,287)</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >10,022</font></td><td style='width:60pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:60pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,332)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:1pt;margin-bottom:1pt;' ><span style='min-width:18pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other includes commercial real estate loans, fund and fund-linked products,</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.</font></span></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Assets and liabilities reclassified between Level 1 and Level 2</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >During the period, there were no material transfers between Level 1 and Level 2 (period ended December 2019: no material transfers between Level 1 and Level 2).</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Level 3 movement analysis</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table summarises the movements in the balances of Level 3 assets and liabilities during the period. The table shows gains and losses and includes amounts for all financial assets and liabilities that are held at </font><font style='font-family:Calibri;font-size:9pt;' >fair value transferred to and from Level 3 during the period. Transfers </font><font style='font-family:Calibri;font-size:9pt;' >have been reflected</font><font style='font-family:Calibri;font-size:9pt;' > as if they had taken place at the beginning of the year.</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Asset and liability moves between Level 2 and Level 3 are primarily due to i) an increase or decrease in o</font><font style='font-family:Calibri;font-size:9pt;' >bservable market activity related to an input or ii) a change in the significance of the unobservable input, with assets and liabilities classified as Level 3 if an unobservable input is deemed significant.</font></p><p style='text-align:left;line-height:13.8pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:14.25pt;' ><td colspan='12' rowspan='1' style='width:486pt;text-align:left;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:486pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Level 3 movement analysis</font></td></tr><tr style='height:15.75pt;' ><td colspan='2' rowspan='1' style='width:141pt;text-align:left;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:141pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='1' rowspan='2' style='width:39pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Purchases</font></td><td colspan='1' rowspan='2' style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Sales</font></td><td colspan='1' rowspan='2' style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Issues</font></td><td colspan='1' rowspan='2' style='width:31.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Settle- ments</font></td><td colspan='2' rowspan='1' style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:71.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Total gains and losses in the period recognised in the income statement</font></td><td colspan='1' rowspan='2' style='width:43.5pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Total gains or losses recognised in OCI</font></td><td colspan='2' rowspan='1' style='width:62.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:62.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Transfers </font></td><td colspan='1' rowspan='2' style='width:37.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td></tr><tr style='height:30pt;' ><td style='width:107.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 01.01.20</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Other income</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >In</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Out</font></td></tr><tr style='height:13.5pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:13.5pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Corporate debt</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >120 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >25 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(26)</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(17)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >106 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >974 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,927 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(740)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(4)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(111)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >97 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(320)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,823 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >656 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >249 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(224)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(76)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >41 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(11)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >623 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >392 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(4)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(67)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >28 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(4)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >347 </font></td></tr><tr style='height:11.25pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >122 </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >47 </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >8 </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >179 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio assets</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,264 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,250 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(968)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(80)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(214)</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >178 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(352)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,078 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,964 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,050 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(270)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(112)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >110 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,742 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >835 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(22)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(29)</font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >798 </font></td></tr><tr style='height:10.5pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Private equity investments</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >113 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >20 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >126 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,250 </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,865 </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2,017)</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(13)</font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(8)</font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >55 </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >24 </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,156 </font></td></tr><tr style='height:29.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,162 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,930 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2,289)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(125)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >82 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >30 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >44 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(12)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,822 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#7F7F7F;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >343 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >79 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(157)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >262 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >86 </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >85 </font></td></tr><tr style='height:11.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#7F7F7F;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >429 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >79 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(157)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >347 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:4.9pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Investment property</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >10 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.45pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Issued debt</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(146)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(22)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(157)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(197)</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >12 </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(198)</font></td></tr><tr style='height:19.5pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#828282;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial liabilities</font><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >designated at fair value</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(343)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(12)</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(22)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(355)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.45pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Interest rate derivatives</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(206)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >10 </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >268 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >300 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >380 </font></td></tr><tr style='height:19.5pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Foreign exchange derivatives</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(7)</font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >89 </font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >5 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(8)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >67 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Credit derivatives</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >198 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(258)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >11 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(376)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >151 </font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >8 </font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(263)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity derivatives</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(820)</font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(447)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(90)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(5)</font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(23)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1,369)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Commodity derivatives</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td></tr><tr style='height:21pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Net derivative financial </font><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >instruments</font><sup><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1</font></sup></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(835)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(688)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >10 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(361)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >418 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >302 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(33)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1,185)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >5,690 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,571 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3,249)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(723)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >275 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#A6A6A6;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >504 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(373)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >6,717 </font></td></tr><tr style='height:11.25pt;' ><td style='width:107.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >7,747</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m and derivative financial liabilities were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >8,932</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='11' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Level 3 movement analysis</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:150.75pt;text-align:left;vertical-align:top;border-color:Black;min-width:150.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='1' rowspan='2' style='width:51.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Purchases</font></td><td colspan='1' rowspan='2' style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Sales</font></td><td colspan='1' rowspan='2' style='width:32.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Issues</font></td><td colspan='1' rowspan='2' style='width:33pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Settle-</font><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >ments</font></td><td colspan='2' rowspan='1' style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:71.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Total gains and losses in the period recognised in the income statement</font></td><td colspan='2' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:64.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Transfers </font></td><td colspan='1' rowspan='2' style='width:42pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 30.06.19</font></td></tr><tr style='height:19.5pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 01.01.19</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Other income</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >In</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Out</font></td></tr><tr style='height:12pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Government and government sponsored debt</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(14)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Corporate debt</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >388 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >70 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(24)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(31)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >32 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(74)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >375 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,263 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,235 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1,260)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(19)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >12 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >19 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(90)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,160 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >664 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >81 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(127)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >5 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >16 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(29)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >610 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >136 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >48 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(13)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2)</font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >116 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(20)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >265 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >148 </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >136 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio assets</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,613 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1,436 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1,424)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(51)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >19 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >183 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(228)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,548 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,836 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(132)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >70 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,775 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >559 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >9 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >178 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >740 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Private equity investments</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >191 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(6)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >185 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,064 </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,334 </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2,619)</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2)</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >9 </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >24 </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(840)</font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >987 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,650 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,349 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2,622)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(145)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >91 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >181 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >24 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(841)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,687 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >353 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >48 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(55)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(218)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >128 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >40 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >40 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >355 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >88 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(55)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(218)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >170 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Investment property</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >8 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(5)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(6)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Certificates of deposit, commercial paper and other money market instruments</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(11)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(21)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Issued debt</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(251)</font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(16)</font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >5 </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(263)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(261)</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(16)</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(14)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(284)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Interest rate derivatives</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >22 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >76 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >116 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(107)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >145 </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >249 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Foreign exchange derivatives</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >7 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(41)</font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(51)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(80)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Credit derivatives</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,050 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(63)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >86 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >3 </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,079 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity derivatives</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(607)</font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(122)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(5)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >23 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >89 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(16)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >292 </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(346)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Commodity derivatives</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Net derivative financial instruments</font><sup><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1</font></sup></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >472 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(188)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >84 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >250 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(172)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >457 </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >902 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >8,835 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,685 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(4,047)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(16)</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(165)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >367 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >179 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(829)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >8,025 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Derivative financial instruments </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >are presented</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > on a net basis. On a gross basis, derivative financial assets were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >5,701</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m and derivative financial liabilities were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >4,799</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Unrealised g</font><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >ains and losses on Level 3 financial assets and liabilities</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table discloses the unrealised gains a</font><font style='font-family:Calibri;font-size:9pt;' >nd losses recognised in the period</font><font style='font-family:Calibri;font-size:9pt;' > arising on Level 3 financial assets and liabilities held at the pe</font><font style='font-family:Calibri;font-size:9pt;' >riod end.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td colspan='4' rowspan='1' style='width:153.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:153.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td colspan='4' rowspan='1' style='width:149.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:149.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td></tr><tr style='height:28.5pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:78pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:78pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td colspan='1' rowspan='2' style='width:39pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other compre-hensive income</font></td><td colspan='1' rowspan='2' style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#C0C0C0;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td><td colspan='2' rowspan='1' style='width:75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td colspan='1' rowspan='2' style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:center;vertical-align:bottom;border-color:#C0C0C0;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other compre-hensive income</font></td><td colspan='1' rowspan='2' style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#C0C0C0;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other income</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Other income</font></td></tr><tr style='height:12pt;' ><td style='width:179.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio assets</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(177)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(177)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >21</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >21</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >126</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >102</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >75</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >178</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >253</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Investment properties</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(17)</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net derivative financial instruments </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >248</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >248</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >212</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >212</font></td></tr><tr style='height:11.25pt;' ><td style='width:179.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:179.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >181</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(27)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >152</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >316</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >177</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >493</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Valuation techniques and sensitivity analysis</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity methodologies applied take </font><font style='font-family:Calibri;font-size:9pt;' >account of the nature of valuation techniques used, as well as the availability and reliability of observable proxy and historical data and the impact of using alternative models.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td colspan='8' rowspan='1' style='width:439.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:439.5pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Sensitivity analysis of valuations using unobservable inputs</font></td><td style='width:40.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='3' rowspan='1' style='width:150.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:150.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='3' rowspan='1' style='width:130.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:130.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:117pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='2' rowspan='1' style='width:94.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:94.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Favourable changes</font></td><td colspan='2' rowspan='1' style='width:97.5pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:97.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Unfavourable changes</font></td><td colspan='2' rowspan='1' style='width:84.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:84.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Favourable changes</font></td><td colspan='2' rowspan='1' style='width:86.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:86.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Unfavourable changes</font></td></tr><tr style='height:25.5pt;' ><td style='width:117pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#FFFFFF;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income Statement</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income statement</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Income Statement</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Equity</font></td></tr><tr style='height:11.25pt;' ><td style='width:117pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Interest rate derivatives</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >138</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(256)</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >44</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(127)</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Foreign exchange derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(11)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >127</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(109)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >73</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(47)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >151</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(158)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(119)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Commodity derivatives</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Corporate debt</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(23)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >159</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(322)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >125</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(228)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Equity cash products</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >164</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(206)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >123</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(175)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Private equity investments</font></td><td style='width:53.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >18</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:41.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(25)</font></td><td style='width:40.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:53.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:41.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:44.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:45.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:40.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:12pt;' ><td style='width:117pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:117pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:53.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:53.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >789</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >4</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(1,106)</font></td><td style='width:41.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:41.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:44.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:44.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >512</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >8</font></td><td style='width:45.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:45.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(745)</font></td><td style='width:40.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:40.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(8)</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other includes commercial real estate loans, fund and fund-linked products</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >,</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > asset backed loans, issued debt, commercial paper, government sponsored debt and investment propert</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >y.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The effect of stressing unobservable inputs to a range of reasonably possible alternatives, alongside considering the impact of using alternative models, would be to increase fair values by up to &#163;</font><font style='font-family:Calibri;font-size:9pt;' >793</font><font style='font-family:Calibri;font-size:9pt;' >m (</font><font style='font-family:Calibri;font-size:9pt;' >December </font><font style='font-family:Calibri;font-size:9pt;' >2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >5</font><font style='font-family:Calibri;font-size:9pt;' >20</font><font style='font-family:Calibri;font-size:9pt;' >m) or to decrease fair values by </font><font style='font-family:Calibri;font-size:9pt;' >up to &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1,110</font><font style='font-family:Calibri;font-size:9pt;' >m (</font><font style='font-family:Calibri;font-size:9pt;' >December </font><font style='font-family:Calibri;font-size:9pt;' >2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >753</font><font style='font-family:Calibri;font-size:9pt;' >m) with substantially all the potential effect impacting profit and loss rather than reserves.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:9pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Significant unobservable inputs</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The valuation techniques and significant unobservable inputs for assets and liabilities recognised at fair value and classified </font><font style='font-family:Calibri;font-size:9pt;' >as Level 3 are consistent with Note 16, F</font><font style='font-family:Calibri;font-size:9pt;' >air value of </font><font style='font-family:Calibri;font-size:9pt;' >financial instruments</font><font style='font-family:Calibri;font-size:9pt;' > in the </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank PLC </font><font style='font-family:Calibri;font-size:9pt;' >Annual Report</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >2019</font><font style='font-family:Calibri;font-size:9pt;' >. </font><font style='font-family:Calibri;font-size:9pt;' >The description of the significant unobservable inputs and the sensitivity of fair value measurement of the instruments categorised as Level 3 assets or liabilities to increases in significant unobse</font><font style='font-family:Calibri;font-size:9pt;' >rvable</font><font style='font-family:Calibri;font-size:9pt;' > inputs </font><font style='font-family:Calibri;font-size:9pt;' >is also found</font><font style='font-family:Calibri;font-size:9pt;' > in N</font><font style='font-family:Calibri;font-size:9pt;' >ote 1</font><font style='font-family:Calibri;font-size:9pt;' >6,</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >F</font><font style='font-family:Calibri;font-size:9pt;' >air value of </font><font style='font-family:Calibri;font-size:9pt;' >financial instruments</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >of the </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank PLC</font><font style='font-family:Calibri;font-size:9pt;' > Annual Report</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >2019</font><font style='font-family:Calibri;font-size:9pt;' >. </font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Fair value adjustments</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Key balance sheet valuation adjustments are quantified below:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:333.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:74.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:74.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Exit price adjustments derived from market bid-offer spreads</font></td><td style='width:74.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(564)</font></td><td style='width:74.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(420)</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Uncollateralised derivative funding</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(181)</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(57)</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative credit valuation adjustments</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(378)</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(135)</font></td></tr><tr style='height:12.75pt;' ><td style='width:333.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:333.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Derivative debit valuation adjustments</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >148</font></td><td style='width:74.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:74.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >155</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:9pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Symbol;font-size:9pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:9pt;' >Exit price adjustments derived from market bid-offer spreads increased by &#163;</font><font style='font-family:Calibri;font-size:9pt;' >144</font><font style='font-family:Calibri;font-size:9pt;' >m to &#163;</font><font style='font-family:Calibri;font-size:9pt;' >564</font><font style='font-family:Calibri;font-size:9pt;' >m as a result of movements in market bid offer spreads.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Symbol;font-size:9pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:9pt;' >Uncollateralised derivative funding increased by &#163;</font><font style='font-family:Calibri;font-size:9pt;' >124</font><font style='font-family:Calibri;font-size:9pt;' >m to &#163;</font><font style='font-family:Calibri;font-size:9pt;' >181</font><font style='font-family:Calibri;font-size:9pt;' >m as a result of widening input funding spreads </font><font style='font-family:Calibri;font-size:9pt;' >and an update to methodology.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Symbol;font-size:9pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:9pt;' >Derivative credit valuation adjustments increased by &#163;</font><font style='font-family:Calibri;font-size:9pt;' >243</font><font style='font-family:Calibri;font-size:9pt;' >m to &#163;</font><font style='font-family:Calibri;font-size:9pt;' >378</font><font style='font-family:Calibri;font-size:9pt;' >m as a result of widening input counterparty credit spreads.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Symbol;font-size:9pt;' >&#61623;</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:9pt;' >Derivative debit valuation adjustments decreased by &#163;</font><font style='font-family:Calibri;font-size:9pt;' >7</font><font style='font-family:Calibri;font-size:9pt;' >m to &#163;</font><font style='font-family:Calibri;font-size:9pt;' >148</font><font style='font-family:Calibri;font-size:9pt;' >m as a result of widening input Barc</font><font style='font-family:Calibri;font-size:9pt;' >lays Bank PLC</font><font style='font-family:Calibri;font-size:9pt;' > credit spreads and an update to methodology.</font></span></p></div><p style='text-align:justify;line-height:12pt;' ></p><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Portfolio exemption</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Barclays Bank </font><font style='font-family:Calibri;font-size:9pt;' >Group uses the portfolio exemption in IFRS 13</font><font style='font-family:Calibri;font-size:9pt;' >,</font><font style='font-family:Calibri;font-size:9pt;' > Fair Value Measurement to measure the fair value of groups of financial assets and liabilities. Instruments are measured</font><font style='font-family:Calibri;font-size:9pt;' > using the price that would be received to sell a net long position (i.e. an asset) for a particular risk exposure or to transfer a net short position (i.e. a liability) for a particular risk exposure in an orderly transaction between market participants a</font><font style='font-family:Calibri;font-size:9pt;' >t the balance sheet date under current market conditions. Accordingly, the </font><font style='font-family:Calibri;font-size:9pt;' >B</font><font style='font-family:Calibri;font-size:9pt;' >arclays </font><font style='font-family:Calibri;font-size:9pt;' >B</font><font style='font-family:Calibri;font-size:9pt;' >ank </font><font style='font-family:Calibri;font-size:9pt;' >Group measures the fair value of the group of financial assets and liabilities consistently with how market participants would price the net risk exposure at the measu</font><font style='font-family:Calibri;font-size:9pt;' >rement date.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Unrecognised gains as a result of the use of valuation models using unobservable inputs</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The amount that has yet to be recognised in income that relates to the difference between the transaction price (the fair value at initial recognition) an</font><font style='font-family:Calibri;font-size:9pt;' >d the amount that would have arisen had valuation models using unobservable inputs been used on initial recognition, less amounts subsequently recognised, is &#163;</font><font style='font-family:Calibri;font-size:9pt;' >101</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >100</font><font style='font-family:Calibri;font-size:9pt;' >m) for financial instruments measured at fair value and &#163;</font><font style='font-family:Calibri;font-size:9pt;' >31</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2</font><font style='font-family:Calibri;font-size:9pt;' >019</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >31</font><font style='font-family:Calibri;font-size:9pt;' >m) for financial instruments carried at amortised cost. The</font><font style='font-family:Calibri;font-size:9pt;' >re are</font><font style='font-family:Calibri;font-size:9pt;' > additions</font><font style='font-family:Calibri;font-size:9pt;' > of</font><font style='font-family:Calibri;font-size:9pt;' > &#163;</font><font style='font-family:Calibri;font-size:9pt;' >11</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >40</font><font style='font-family:Calibri;font-size:9pt;' >m) and amortisation and releases</font><font style='font-family:Calibri;font-size:9pt;' > of </font><font style='font-family:Calibri;font-size:9pt;' >&#163;</font><font style='font-family:Calibri;font-size:9pt;' >10</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >67</font><font style='font-family:Calibri;font-size:9pt;' >m) </font><font style='font-family:Calibri;font-size:9pt;' >for financial instruments measured at fair value and additions of</font><font style='font-family:Calibri;font-size:9pt;' > &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' >m (December 20</font><font style='font-family:Calibri;font-size:9pt;' >19</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2</font><font style='font-family:Calibri;font-size:9pt;' >m) </font><font style='font-family:Calibri;font-size:9pt;' >and </font><font style='font-family:Calibri;font-size:9pt;' >amortisation and releases of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2</font><font style='font-family:Calibri;font-size:9pt;' >m)</font><font style='font-family:Calibri;font-size:9pt;' > for financial instruments carried at amortised cost</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Third party credit enhancements</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:13.2pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Structured and brokered certificates of deposit issued by Barclays Bank Group are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC) in the United States</font><font style='font-family:Calibri;font-size:9pt;' >. The FDIC </font><font style='font-family:Calibri;font-size:9pt;' >is funded</font><font style='font-family:Calibri;font-size:9pt;' > by premiums</font><font style='font-family:Calibri;font-size:9pt;' > that the Barclays Bank Group and other banks pay for deposit insurance coverage. </font><font style='font-family:Calibri;font-size:9pt;' >The carrying value of these issued certificates of deposit that </font><font style='font-family:Calibri;font-size:9pt;' >are designated</font><font style='font-family:Calibri;font-size:9pt;' > under the IFRS 9 fair value option includes this third party credit enhancement. </font><font style='font-family:Calibri;font-size:9pt;' >The on-balance</font><font style='font-family:Calibri;font-size:9pt;' > sheet value of these brokered certificates of deposit amounted to </font><font style='font-family:Calibri;font-size:9pt;' >&#163;</font><font style='font-family:Calibri;font-size:9pt;' >3,162</font><font style='font-family:Calibri;font-size:9pt;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >3,218</font><font style='font-family:Calibri;font-size:9pt;' >m).</font></p><p style='text-align:left;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Comparison of carrying amounts and fair values for assets and liabilities not held at fair value</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Valuation methodologies employed in calculating the fair value of financial assets and liabilities measured at amortised cost are consistent with the Barclays</font><font style='font-family:Calibri;font-size:9pt;' > Bank PLC Annual Report on Form 20-F</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >2019</font><font style='font-family:Calibri;font-size:9pt;' > disclosure.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table summarises the fair value of financial assets and liabilities measured at amortised cost on the Barclays Bank Group&#8217;s balance sheet:</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:111pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td colspan='2' rowspan='1' style='width:111pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:111pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td></tr><tr style='height:24pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Carrying amount</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fair value</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Carrying amount</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Fair value</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Financial assets</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Loans and advances at amortised cost</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >150,203</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >149,511</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >141,636</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >141,251</font></td></tr><tr style='height:13.5pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Reverse repurchase agreements and other similar secured lending</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,811</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,811</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,731</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,731</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Financial liabilities</font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:55.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deposits at amortised cost</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(245,737)</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(245,758)</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(213,881)</font></td><td style='width:55.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(213,897)</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Repurchase agreements and other similar secured borrowing</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,033)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,033)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,032)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,032)</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Debt securities in issue</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(50,496)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(50,568)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33,536)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33,529)</font></td></tr><tr style='height:12pt;' ><td style='width:261.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:261.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Subordinated liabilities</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(36,965)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(37,675)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33,425)</font></td><td style='width:55.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:55.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(34,861)</font></td></tr></table></div> 529000000 664000000 2064000000 840000000 0 0 178000000 -16000000 0 258000000 204446000000 -1000000 0 1168000000 0 1353000000 202000000 8761000000 59968000000 11577000000 420561000000 10022000000 219646000000 3989000000 229641000000 0 0 7100000 265000000 148000000 127000000 1823000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Fee and commission income is disaggregated below and includes a total for fees in scope of IFRS 15, Revenue from Contracts with Customers:</font></p><p style='text-align:justify;line-height:12pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:33.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:11.25pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee type</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transactional </font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >177</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >968</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,145</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Advisory</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >260</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >46</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >306</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Brokerage and execution</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >654</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >31</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >685</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Underwriting and syndication</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,468</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,468</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >100</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >154</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total revenue from contracts with customers</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,594</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,145</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >19</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,758</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other non-contract fee income</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >57</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >60</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,651</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,148</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,818</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Fee and commission expense</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(441)</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(497)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(939)</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,210</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >651</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >18</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,879</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:33.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:11.25pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee type</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transactional </font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >185</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,168</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,353</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Advisory</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >364</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >405</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Brokerage and execution</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >512</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >536</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Underwriting and syndication</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,240</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,240</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >62</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >124</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >202</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total revenue from contracts with customers</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,363</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,357</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,736</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other non-contract fee income</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >54</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >54</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,417</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,357</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,790</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Fee and commission expense</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(350)</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(611)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(961)</font></td></tr><tr style='height:12.75pt;' ><td style='width:219.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:219.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net fee and commission income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,067</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >746</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >16</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,829</font></td></tr></table></div> 41000000 3548000000 -1000000 0 1000000 2639000000 512000000 1824000000 347000000 0 19045000000 0 531321000000 580509000000 113337000000 0 -1000000 32000000 0 0 89000000 0 -302000000 2354000000 2100000000 2000000 987000000 4650000000 88000000 0 0 0 829000000 20000000 0 8000000 -17000000 0 347000000 230000000 There are a number of civil actions, on behalf of more than 4,000 plaintiffs, filed in US federal courts in the US District Court in the Eastern District of New York (EDNY) and SDNY against Barclays Bank PLC and a number of other banks. The complaints generally allege that Barclays Bank PLC and those banks engaged in a conspiracy to facilitate US dollar-denominated transactions for the Government of Iran and various Iranian banks, which in turn funded acts of terrorism that injured or killed plaintiffs or plaintiffs’ family members. The plaintiffs seek to recover damages for pain, suffering and mental anguish under the provisions of the US Anti-Terrorism Act, which allow for the trebling of any proven damages. -238000000 1775000000 -2000000 11000000 1000000 24000000 -3000000 5239000000 -24000000 <div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >8. Provisions</font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:10pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > 30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#808080;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Customer redress</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >71</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Legal, competition and regulatory matters</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >250</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >374</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Redundancy and restructuring</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >63</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Undrawn contractually committed facilities and guarantees</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >593</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >252</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Onerous contracts</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >20</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Sundry provisions</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >172</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >171</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,085</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >951</font></td></tr></table></div> -6000000 512000000 1836000000 55000000 367000000 343000000 0 0 -2000000 In 2015, the Barclays Group reached settlements totalling approximately $2.38bn with various US federal and state authorities and the FCA in relation to investigations into certain sales and trading practices in the Foreign Exchange market. Under the related plea agreement with the US Department of Justice (DoJ), which received final court approval in January 2017, the Barclays Group agreed to a term of probation of three years, which expired in January 2020. The Barclays Group also continues to provide relevant information to certain authorities. 0 113337000000 0 155000000 4000000 -27000000 4225000000 10000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >4</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:11pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:11pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Tax</font></p></div><p style='line-height:20pt;' /><div><p style='text-align:left;margin-top:0pt;margin-bottom:8pt;line-height:12.95pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The tax</font><font style='font-family:Calibri;font-size:9pt;' > charge for H120 was &#163;</font><font style='font-family:Calibri;font-size:9pt;' >230</font><font style='font-family:Calibri;font-size:9pt;' >m (H119: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >260</font><font style='font-family:Calibri;font-size:9pt;' >m), representing an effective tax rate of </font><font style='font-family:Calibri;font-size:9pt;' >15.1</font><font style='font-family:Calibri;font-size:9pt;' >% (H119: </font><font style='font-family:Calibri;font-size:9pt;' >15.1</font><font style='font-family:Calibri;font-size:9pt;' >%).</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:13.15pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Deferred tax assets and liabilities</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#A8A8A8;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >USA</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#A8A8A8;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,168</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A8A8A8;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,052</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other territories </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >471</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >408</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Deferred tax assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,639</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,460</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Deferred tax liabilities - UK</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,084)</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Analysis of deferred tax assets</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Temporary differences</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,184</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,937</font></td></tr><tr style='height:10.9pt;' ><td style='width:365.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Tax losses</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >455</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >523</font></td></tr><tr style='height:12pt;' ><td style='width:365.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Deferred tax assets</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,639</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,460</font></td></tr><tr style='height:12pt;' ><td style='width:365.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:365.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td></tr></table></div> 33536000000 5149000000 31000000 29000000 2000000 0 3 0 0 1000000 9000000 0 -29000000 0 0 361000000 0 249000000 0 -1369000000 185000000 129470000000 52610000000 9402000000 52610000000 -340000000 31000000 0 306000000 1000000 2210000000 0 1050000000 6000000 33536000000 6771000000 27000000 16000000 Brokerage and execution fees are earned for executing client transactions with exchanges and over-the-counter markets and assisting clients in clearing transactions. Advisory fees are generated from asset management services and advisory services related to mergers, acquisitions and financial restructuring. -7000000 493000000 33425000000 37675 523000000 100 1000 75493000000 4981000000 120000000 964000000 5557000000 3229000000 206000000 32000000 100 164000000 38225000000 26019000000 3307000000 5339000000 2161000000 10986000000 731000000 492000000 8000000 354000000 6270000000 1056000000 0.007 0.049 0.509 0.306 141636000000 97878000000 634000000 3666000000 784000000 766000000 383000000 0.025 0.031 0.085 0.691 0.022 1443000000 51000000 136000000 35212000000 298000000 602000000 250000000 2835000000 -10000000 26000000 0 45406000000 0 In 2008, Barclays Bank PLC and Qatar Holdings LLC entered into two advisory service agreements (the Agreements). The Financial Conduct Authority (FCA) conducted an investigation into whether the Agreements may have related to Barclays PLC’s capital raisings in June and November 2008 (the Capital Raisings) and therefore should have been disclosed in the announcements or public documents relating to the Capital Raisings. In 2013, the FCA issued warning notices (the Notices) finding that Barclays PLC and Barclays Bank PLC acted recklessly and in breach of certain disclosure-related listing rules, and that Barclays PLC was also in breach of Listing Principle 3. The financial penalty provided in the Notices is £50m. Barclays PLC and Barclays Bank PLC continue to contest the findings. Following the conclusion of the Serious Fraud Office (SFO) proceedings against certain former Barclays executives resulting in their acquittals, the FCA proceedings, which were stayed, have resumed. All charges brought by the SFO against Barclays PLC and Barclays Bank PLC in relation to the Agreements were dismissed in 2018. PCP Capital Partners LLP and PCP International Finance Limited (PCP) are seeking damages of approximately £1.6bn from Barclays Bank PLC for fraudulent misrepresentation and deceit, arising from alleged statements made by Barclays Bank PLC to PCP in relation to the terms on which securities were to be issued to potential investors, allegedly including PCP, in the November 2008 capital raising. Barclays Bank PLC is defending the claim and trial commenced in June 2020. -84000000 23000000 1000000 0 0 0 798000000 0 1000000 <div><p style='text-align:left;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >2</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Segmental reporting</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.6pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Analysis of results by business</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:22.8pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Barclays Bank Group</font></td></tr><tr style='height:9.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,973</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,742</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(78)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8,637</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit impairment charges</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,320)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,299)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(55)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,674)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net operating income/(expenses)</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >5,653</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >443</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(133)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >5,963</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Operating expenses</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,458)</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,053)</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(37)</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,548)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Litigation and conduct</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total operating expenses</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(3,462)</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(1,061)</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(44)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,567)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other net income/(expenses)</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >127</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,203</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(503)</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(177)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,523</font></td></tr><tr style='height:11.4pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:11.4pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td></tr><tr style='height:11.4pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,017.1</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >66.0</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >12.9</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,096.0</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:21.75pt;' ><td style='width:232.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Barclays Bank Group</font></td></tr><tr style='height:10.9pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,149</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,193</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(220)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7,122</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit impairment charges</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(96)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(396)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(510)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net operating income/(expenses)</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >5,053</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,797</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(238)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >6,612</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Operating expenses</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,589)</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,207)</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(45)</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,841)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Litigation and conduct</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(26)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(39)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(69)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total operating expenses</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(3,615)</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(1,211)</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(84)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,910)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other net income/(expenses)</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,453</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >602</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(330)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,725</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >799.6</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >65.7</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >11.4</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >876.7</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:1pt;margin-bottom:1pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures and gains on acquisitions</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></span></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:18.75pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Split of income by geographic region</font><sup><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended</font></td></tr><tr style='height:12.75pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.19</font></td></tr><tr style='height:9.75pt;' ><td style='width:347.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,835</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,089</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Europe</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,240</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >783</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Americas</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,872</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,680</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Africa and Middle East</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td></tr><tr style='height:12pt;' ><td style='width:347.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Asia</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >667</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >529</font></td></tr><tr style='height:12.75pt;' ><td style='width:347.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:347.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total </font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >8,637</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >7,122</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >T</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >he geographical analysis is now based on the location of office where the transactions are recorded, whereas </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >in the prior year</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >it was</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > based on counterparty</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > location. The </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >approach was changed at year-end 2019 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >and </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >is better aligned to the geographical view of the business following the implementation </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >of structural reform. Prior year</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > comparatives have been restated</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></p></div> <div><table style='border-collapse:collapse;' ><tr style='height:15.6pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Analysis of results by business</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:22.8pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Barclays Bank Group</font></td></tr><tr style='height:9.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.20</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,973</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,742</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(78)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8,637</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit impairment charges</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,320)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,299)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(55)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,674)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net operating income/(expenses)</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >5,653</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >443</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(133)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >5,963</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Operating expenses</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,458)</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,053)</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(37)</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,548)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Litigation and conduct</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total operating expenses</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(3,462)</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(1,061)</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(44)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,567)</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other net income/(expenses)</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >115</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >127</font></td></tr><tr style='height:12.75pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,203</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(503)</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(177)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,523</font></td></tr><tr style='height:11.4pt;' ><td style='width:230.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:11.4pt;' ><td style='width:230.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td></tr><tr style='height:11.4pt;' ><td style='width:230.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:230.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,017.1</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >66.0</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >12.9</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,096.0</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:21.75pt;' ><td style='width:232.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Corporate and Investment Bank</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Consumer, Cards and Payments</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Head Office</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Barclays Bank Group</font></td></tr><tr style='height:10.9pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended 30.06.19</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Total income</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,149</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,193</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(220)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7,122</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Credit impairment charges</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(96)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(396)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(510)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Net operating income/(expenses)</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >5,053</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,797</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(238)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >6,612</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Operating expenses</font></td><td style='width:75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,589)</font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,207)</font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(45)</font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4,841)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Litigation and conduct</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(26)</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(39)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(69)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total operating expenses</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(3,615)</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(1,211)</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(84)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(4,910)</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other net income/(expenses)</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Profit/(loss) before tax</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,453</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >602</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >(330)</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,725</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:67.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:52.5pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:54.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:67.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:52.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td><td style='width:54.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;bn</font></td></tr><tr style='height:12.75pt;' ><td style='width:232.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:232.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total assets</font></td><td style='width:75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >799.6</font></td><td style='width:67.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:67.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >65.7</font></td><td style='width:52.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:52.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >11.4</font></td><td style='width:54.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:54.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >876.7</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:left;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:1pt;margin-bottom:1pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures and gains on acquisitions</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></span></p></div> 128000000 2089000000 0 3000000 0 0 313000000 1039264000000 0 28000000 799600000000 0 -2000000 -139000000 96000000 -12000000 12000000 2000000 0 4000000 0 0 1000000 984000000 -24000000 0 347000000 47000000 125000000 The majority of the USD LIBOR cases, which have been filed in various US jurisdictions, have been consolidated for pre-trial purposes before a single judge in the US District Court in the Southern District of New York (SDNY). 0 0 0 536000000 13172000000 31333000000 290612000000 4162000000 0 4332000000 222142000000 185000000 0 72863000000 2264000000 19645000000 15567000000 517867000000 113000000 559000000 4000000 0 307989000000 0 -1000000 9000000 0 0 0 170000000 0 0 0 0 165000000 -16000000 0 -16000000 16000000 0 177000000 57000000 13000000 -820000000 7000000 0 50568 36965 22414000000 -275000000 1 31856 --12-31 2620000000 106028000000 2036000000 145332000000 2617000000 89200000000 234000000 24000000 6489000000 672000000 0.031 0.137 0.326 0.329 0.003 0.177 86000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >14</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >. </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > Legal, competition and regulatory matters</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Barclays Bank Group face legal, competition and regulatory challenges, many of which are beyond our control. The extent of the impact of these matters cannot</font><font style='font-family:Calibri;font-size:9pt;' > always be predicted but may materially </font><font style='font-family:Calibri;font-size:9pt;' >impact</font><font style='font-family:Calibri;font-size:9pt;' > our operations, financial results, condition and prospects. Matters arising from a set of similar circumstances can give rise to either a contingent liability or a provision, or both, depending on the relevant</font><font style='font-family:Calibri;font-size:9pt;' > facts and circumstances. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The recognition of provisions in relation to such matters involves critical accounting estimates and judgments in accordance with the relevant accounting </font><font style='font-family:Calibri;font-size:9pt;' >policies as described in Note 8</font><font style='font-family:Calibri;font-size:9pt;' >, Provisions. We have not disclosed an esti</font><font style='font-family:Calibri;font-size:9pt;' >mate of the potential financial impact or effect on the Barclays Bank Group of contingent liabilities where it is not currently practicable to do so. Various matters detailed in this note seek damages of an unspecified amount. While certain matters specify</font><font style='font-family:Calibri;font-size:9pt;' > the damages claimed, such claimed amounts do not necessarily reflect the Barclays Bank Group&#8217;s potential financial exposure in respect of those matters. </font></p><p style='text-align:justify;line-height:14pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Investigations into </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >c</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >ertain</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > advisory services a</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >greements</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > and other matters and civil action </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >FCA proceedings </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2008, Barclays Bank PLC and Qatar Holdings LLC entered into two advisory service agreements (the Agreements). The Financial Conduct Authority (FCA) conducted an investigation into whether the Agreements may have related to Barclays PLC&#8217;</font><font style='font-family:Calibri;font-size:9pt;' >s capital raisings in June and November 2008 (the Capital Raisings) and therefore </font><font style='font-family:Calibri;font-size:9pt;' >should have been disclosed</font><font style='font-family:Calibri;font-size:9pt;' > in the announcements or public documents relating to the Capital Raisings. In 2013, the FCA issued warning notices (the Notices) finding that Barcl</font><font style='font-family:Calibri;font-size:9pt;' >ays PLC and Barclays Bank PLC acted recklessly and in breach of certain disclosure-related listing rules, and that Barclays PLC was also in breach of Listing Principle 3. The financial penalty provided in the Notices is &#163;50m. Barclays PLC and Barclays Bank</font><font style='font-family:Calibri;font-size:9pt;' > PLC continue to contest the findings. Following the conclusion of the Serious Fraud Office (SFO) proceedings against certain former </font><font style='font-family:Calibri;font-size:9pt;' >Barclays</font><font style='font-family:Calibri;font-size:9pt;' > executives resulting in their acquittals, the FCA proceedings, which were stayed, have resumed. All charges brough</font><font style='font-family:Calibri;font-size:9pt;' >t by the SFO against Barclays PLC and Barclays Bank PLC in relation to the Agreements were dismissed in 2018.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Civil action </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >PCP Capital Partners LLP and PCP International Finance Limited (PCP) are seeking damages of approximately &#163;1.6bn from Barclays Bank</font><font style='font-family:Calibri;font-size:9pt;' > PLC for fraudulent misrepresentation and deceit, arising from alleged statements made by Barclays Bank PLC to PCP in relation to the terms on which securities were to </font><font style='font-family:Calibri;font-size:9pt;' >be issued</font><font style='font-family:Calibri;font-size:9pt;' > to potential investors, allegedly including PCP, in the November 2008 capital </font><font style='font-family:Calibri;font-size:9pt;' >raising. Barclays Bank PLC is defending the claim and trial commenced in June 2020.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Investigations into LIBOR</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > and</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > other </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >b</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >enchmarks</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > and related civil actions</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#FF0000;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Regulators and law enforcement agencies, including certain competition authorities, from a number</font><font style='font-family:Calibri;font-size:9pt;' > of governments have conducted investigations relating to Barclays Bank PLC&#8217;s involvement in allegedly manipulating certain financial benchmarks, such as LIBOR. The SFO has closed its investigation with no action to </font><font style='font-family:Calibri;font-size:9pt;' >be taken</font><font style='font-family:Calibri;font-size:9pt;' > against the Barclays Group. Var</font><font style='font-family:Calibri;font-size:9pt;' >ious individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Barclays Group and other banks in relation to the alleged manipulation of LIBOR and/or other benchmarks. Certain actions remain pending.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >USD L</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;' >IBOR civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The majority of the USD LIBOR cases, which </font><font style='font-family:Calibri;font-size:9pt;' >have been filed</font><font style='font-family:Calibri;font-size:9pt;' > in various US jurisdictions, have been consolidated for pre-trial purposes in the US District Court in the Southern District of New York (SDNY). </font><font style='font-family:Calibri;font-size:9pt;' >The complaints are substantially </font><font style='font-family:Calibri;font-size:9pt;' >similar and allege, among other things, that Barclays PLC, Barclays Bank PLC, Barclays Capital Inc. (BCI) and other financial institutions individually and collectively violated provisions of the US Sherman Antitrust Act (Antitrust Act), the US Commodity E</font><font style='font-family:Calibri;font-size:9pt;' >xchange Act (CEA), the US Racketeer Influenced and Corrupt Organizations Act (RICO), the Securities Exchange Act of 1934 and various state laws by manipulating USD LIBOR rates.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Putative class actions and individual actions seek unspecified damages with </font><font style='font-family:Calibri;font-size:9pt;' >the exception of three lawsuits, in which the plaintiffs are seeking a combined total of approximately $900m in actual damages and additional punitive damages against all defendants, including Barclays Bank PLC. Some of the lawsuits also seek trebling of d</font><font style='font-family:Calibri;font-size:9pt;' >amages under the Antitrust Act and RICO. Barclays has previously settled certain claims. Two of the class action settlements where </font><font style='font-family:Calibri;font-size:9pt;' >Barclays has paid $20m and $7.1m, respectively, </font><font style='font-family:Calibri;font-size:9pt;' >remain</font><font style='font-family:Calibri;font-size:9pt;' > subject to</font><font style='font-family:Calibri;font-size:9pt;' > final court approval and/or</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >the right of </font><font style='font-family:Calibri;font-size:9pt;' >class members to o</font><font style='font-family:Calibri;font-size:9pt;' >pt out of the settlement to file their own claims.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Sterling LIBOR civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2016, two putative class actions filed in the SDNY against Barclays Bank PLC, BCI and other Sterling LIBOR panel banks alleging, among other things, that the defendants man</font><font style='font-family:Calibri;font-size:9pt;' >ipulated the Sterling LIBOR rate in violation of the Antitrust Act, CEA and RICO, </font><font style='font-family:Calibri;font-size:9pt;' >were consolidated</font><font style='font-family:Calibri;font-size:9pt;' >. The defendants&#8217; motion to dismiss the claims </font><font style='font-family:Calibri;font-size:9pt;' >was granted</font><font style='font-family:Calibri;font-size:9pt;' > in December 2018. The plaintiffs have appealed the dismissal.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Japanese Yen LIBOR civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In</font><font style='font-family:Calibri;font-size:9pt;' > 2012, a putative class action was filed in the SDNY against Barclays Bank PLC and other Japanese Yen LIBOR panel banks by a lead plaintiff involved in exchange-traded derivatives and members of the Japanese Bankers Association&#8217;s Euroyen Tokyo Interbank Of</font><font style='font-family:Calibri;font-size:9pt;' >fered Rate (Euroyen TIBOR) panel. The complaint alleges, among other things, manipulation of the Euroyen TIBOR and Yen LIBOR rates and breaches of the CEA and the Antitrust Act. In 2014, the court dismissed the plaintiff&#8217;s antitrust claims in full, but the</font><font style='font-family:Calibri;font-size:9pt;' > plaintiff&#8217;s CEA claims remain pending.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2015, a second putative class action, making similar allegations to the above class action, </font><font style='font-family:Calibri;font-size:9pt;' >was filed</font><font style='font-family:Calibri;font-size:9pt;' > in the SDNY against Barclays PLC, Barclays Bank PLC and BCI. In 2017, this action </font><font style='font-family:Calibri;font-size:9pt;' >was dismissed</font><font style='font-family:Calibri;font-size:9pt;' > in full and the plaintiffs appealed the dismissal. The </font><font style='font-family:Calibri;font-size:9pt;' >appellate court reversed the dismissal and the matter </font><font style='font-family:Calibri;font-size:9pt;' >has been remanded</font><font style='font-family:Calibri;font-size:9pt;' > to the lower court.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >SIBOR/SOR civil action</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2016, a putative class action </font><font style='font-family:Calibri;font-size:9pt;' >was filed</font><font style='font-family:Calibri;font-size:9pt;' > in the SDNY against Barclays PLC, Barclays Bank PLC, BCI and other defendants, alleging manipulat</font><font style='font-family:Calibri;font-size:9pt;' >ion of the Singapore Interbank Offered Rate (SIBOR) and Singapore Swap Offer Rate (SOR). In October 2018, the court dismissed all claims against Barclays PLC, Barclays Bank PLC and BCI. The plaintiffs have appealed the dismissal. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >ICE LIBOR civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2019, several putative class actions have been filed in the SDNY against Barclays PLC, Barclays Bank PLC, BCI, other financial institution defendants and Intercontinental Exchange Inc. and certain of its affiliates (ICE), asserting antitrust claims that</font><font style='font-family:Calibri;font-size:9pt;' > defendants manipulated USD LIBOR through defendants&#8217; submissions to ICE. These actions </font><font style='font-family:Calibri;font-size:9pt;' >have been consolidated</font><font style='font-family:Calibri;font-size:9pt;' >. The defendants&#8217; motion to dismiss </font><font style='font-family:Calibri;font-size:9pt;' >was granted</font><font style='font-family:Calibri;font-size:9pt;' > in March 2020. The plaintiffs have appealed the dismissal.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Non-US benchmarks civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Legal </font><font style='font-family:Calibri;font-size:9pt;' >proceedings (which include the claims referred to below in &#8216;Local authority civil actions concerning LIBOR&#8217;) </font><font style='font-family:Calibri;font-size:9pt;' >have been brought or threatened against Barclays Bank PLC (and, in certain cases, Barclays Bank UK PLC) in the UK in connection with alleged manipu</font><font style='font-family:Calibri;font-size:9pt;' >lation of LIBOR, EURIBOR and other benchmarks</font><font style='font-family:Calibri;font-size:9pt;' >. Proceedings </font><font style='font-family:Calibri;font-size:9pt;' >have also been brought</font><font style='font-family:Calibri;font-size:9pt;' > in a number of other jurisdictions in Europe and Israel. Additional proceedings in other jurisdictions </font><font style='font-family:Calibri;font-size:9pt;' >may be brought</font><font style='font-family:Calibri;font-size:9pt;' > in the future.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >F</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >oreign </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >E</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >xchange </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >i</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >nvestigations</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > and related civil actions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2015, the Barclays Group reached settlements totalling approximately $2.38bn with various US federal and state authorities and the FCA in relation to investigations into certain sales and trading practices in the Foreign Exch</font><font style='font-family:Calibri;font-size:9pt;' >ange market. Under the related plea agreement with the US Department of Justice (DoJ), which received final court approval in January 2017, the Barclays Group agreed to a term of probation of three years, which expired in January 2020. The Barclays Group a</font><font style='font-family:Calibri;font-size:9pt;' >lso continues to provide relevant information to certain authorities. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The European Commission is one of a number of authorities still conducting an investigation into certain trading practices in Foreign Exchange markets. The European Commission announce</font><font style='font-family:Calibri;font-size:9pt;' >d two settlements in May 2019 and the Barclays Group paid penalties totalling approximately &#8364;210m. In June 2019, the Swiss Competition Commission announced two settlements and the Barclays Group paid penalties totalling approximately CHF 27m.</font><font style='font-family:Calibri;font-size:9pt;' > The financial</font><font style='font-family:Calibri;font-size:9pt;' > impact of the ongoing matters </font><font style='font-family:Calibri;font-size:9pt;' >is not expected</font><font style='font-family:Calibri;font-size:9pt;' > to be material to the Barclays Bank Group&#8217;s operating results, cash flows or financial position.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >A number of individuals and corporates in a range of jurisdictions have also threatened or brought civil action</font><font style='font-family:Calibri;font-size:9pt;' >s against the Barclays Group and other banks in relation to alleged manipulation of Foreign Exchange markets, and may do so in the future. Certain actions remain pending. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >FX opt out civil action </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2018, Barclays Bank PLC and BCI settled a consolidated </font><font style='font-family:Calibri;font-size:9pt;' >action filed in the SDNY, alleging manipulation of Foreign Exchange markets (Consolidated FX Action), for a total amount of $384m. Also in 2018, a group of plaintiffs who opted out of the Consolidated FX Action filed a complaint in the SDNY against Barclay</font><font style='font-family:Calibri;font-size:9pt;' >s PLC, Barclays Bank PLC, BCI and other defendants. Some of the plaintiff&#8217;s claims </font><font style='font-family:Calibri;font-size:9pt;' >were dismissed</font><font style='font-family:Calibri;font-size:9pt;' > in May 2020.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Retail basis civil action </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2015, a putative class action </font><font style='font-family:Calibri;font-size:9pt;' >was filed</font><font style='font-family:Calibri;font-size:9pt;' > against several international banks, including Barclays PLC and BCI, on be</font><font style='font-family:Calibri;font-size:9pt;' >half of a proposed class of individuals who exchanged currencies on a retail basis at bank branches (Retail Basis Claims). </font><font style='font-family:Calibri;font-size:9pt;' >The SDNY has ruled that the Retail Basis Claims </font><font style='font-family:Calibri;font-size:9pt;' >are not covered</font><font style='font-family:Calibri;font-size:9pt;' > by the settlement agreement in the Consolidated FX Action. The Court </font><font style='font-family:Calibri;font-size:9pt;' >subsequently dismissed all Retail Basis Claims against the Barclays Group and all other defendants. The plaintiffs have filed an amended complaint.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >State law FX civil action </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2017, the SDNY dismissed consolidated putative class actions brought under </font><font style='font-family:Calibri;font-size:9pt;' >federal and various state laws on behalf of proposed classes of (i) stockholders of Exchange Traded Funds and others who purportedly were </font><font style='font-family:Calibri;font-size:9pt;' >indirect investors in FX instruments, and (ii) investors</font><font style='font-family:Calibri;font-size:9pt;' > who traded FX instruments through FX dealers or brokers not a</font><font style='font-family:Calibri;font-size:9pt;' >lleged to have manipulated Foreign Exchange Rates. Barclays Bank PLC and BCI have settled the claim, which is subject to court approval.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Non-US FX civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In addition to the actions described above, legal proceedings </font><font style='font-family:Calibri;font-size:9pt;' >have been brought</font><font style='font-family:Calibri;font-size:9pt;' > or are threate</font><font style='font-family:Calibri;font-size:9pt;' >ned against Barclays PLC, Barclays Bank PLC, BCI and Barclays Execution Services Limited (BX) in connection with alleged manipulation of Foreign Exchange in the UK, a number of other jurisdictions in Europe, Israel and Australia and additional proceedings </font><font style='font-family:Calibri;font-size:9pt;' >may be brought in the future.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Metals</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > investigations and related civil actions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Barclays Bank PLC previously provided information to the DoJ</font><font style='font-family:Calibri;font-size:9pt;' >, the US Commodity Futures Trading Commission and other authorities in connection with investigations into metals and metals-based financial instruments. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >A number of US civil complaints, each on behalf of a proposed class of plaintiffs, </font><font style='font-family:Calibri;font-size:9pt;' >have been consoli</font><font style='font-family:Calibri;font-size:9pt;' >dated and transferred to the SDNY</font><font style='font-family:Calibri;font-size:9pt;' >. The complaints allege that Barclays Bank PLC and other members of The London Gold Market Fixing Ltd. manipulated the prices of gold and gold derivative contracts in violation of US antitrust and other federal laws. This c</font><font style='font-family:Calibri;font-size:9pt;' >onsolidated putative class action remains pending. A separate US civil complaint by a proposed class of plaintiffs against a number of banks, including Barclays Bank PLC, BCI and BX, alleging manipulation of the price of silver in violation of the CEA, the</font><font style='font-family:Calibri;font-size:9pt;' > Antitrust Act and state antitrust and consumer protection laws, </font><font style='font-family:Calibri;font-size:9pt;' >has been dismissed</font><font style='font-family:Calibri;font-size:9pt;' > as against the Barclays entities. The plaintiffs have the option to seek the court&#8217;s permission to appeal.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Civil actions </font><font style='font-family:Calibri;font-size:9pt;' >have also been filed</font><font style='font-family:Calibri;font-size:9pt;' > in Canadian courts against Ba</font><font style='font-family:Calibri;font-size:9pt;' >rclays PLC, Barclays Bank PLC, Barclays Capital Canada Inc. and BCI on behalf of proposed classes of plaintiffs alleging manipulation of gold and silver prices. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >US residential mortgage related civil actions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >There are various pending civil actions </font><font style='font-family:Calibri;font-size:9pt;' >relating to US Residential Mortgage-Backed Securities (RMBS), including four actions arising from unresolved repurchase requests submitted by Trustees for certain RMBS, alleging breaches of various loan-level representations and warranties (R&amp;Ws) made by B</font><font style='font-family:Calibri;font-size:9pt;' >arclays Bank PLC and/or a subsidiary acquired in 2007 (the Acquired Subsidiary). The unresolved repurchase requests </font><font style='font-family:Calibri;font-size:9pt;' >received</font><font style='font-family:Calibri;font-size:9pt;' > as at 31 December 2019 had an original unpaid principal balance of approximately $2.1bn. The Trustees have also alleged that the re</font><font style='font-family:Calibri;font-size:9pt;' >levant R&amp;Ws </font><font style='font-family:Calibri;font-size:9pt;' >may have been breached</font><font style='font-family:Calibri;font-size:9pt;' > with respect to a greater (but unspecified) amount of loans than previously stated in the unresolved repurchase requests. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >These repurchase actions are ongoing. In </font><font style='font-family:Calibri;font-size:9pt;' >one</font><font style='font-family:Calibri;font-size:9pt;' > repurchase action, the New York Court of Appeals hel</font><font style='font-family:Calibri;font-size:9pt;' >d that claims related to certain R&amp;Ws are time-barred. Barclays Bank PLC has reached a settlement to resolve two of the repurchase actions, which is subject to final court approval. T</font><font style='font-family:Calibri;font-size:9pt;' >he financial impact of the settlement </font><font style='font-family:Calibri;font-size:9pt;' >is not expected</font><font style='font-family:Calibri;font-size:9pt;' > to be material to t</font><font style='font-family:Calibri;font-size:9pt;' >he Barclays Bank Group&#8217;s operating results, cash flows or financial position.</font><font style='font-family:Calibri;font-size:9pt;' > The remaining </font><font style='font-family:Calibri;font-size:9pt;' >two repurchase</font><font style='font-family:Calibri;font-size:9pt;' > actions are pending.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Government and agency securities civil actions and related matters</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Certain governmental authorities are conducting investigatio</font><font style='font-family:Calibri;font-size:9pt;' >ns into activities relating to the trading of certain government and agency securities in various markets. The Barclays Group provided information in cooperation with such investigations. Civil actions have also been filed </font><font style='font-family:Calibri;font-size:9pt;' >on the basis of</font><font style='font-family:Calibri;font-size:9pt;' > similar allegatio</font><font style='font-family:Calibri;font-size:9pt;' >ns, as described below.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Treasury auction securities civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Consolidated putative class action complaints filed in US federal court against Barclays Bank PLC, BCI and other financial institutions under the </font><font style='font-family:Calibri;font-size:9pt;' >Antitrust Act</font><font style='font-family:Calibri;font-size:9pt;' > and state common law allege that the defendants (i) conspired to manipulate the US Treasury securities market and/or (ii) conspired to prevent the creation of certain platforms by boycotting or threatening to boycott such trading platforms. The defendants</font><font style='font-family:Calibri;font-size:9pt;' > have filed a motion to dismiss.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In addition, certain plaintiffs have filed a related, direct action against BCI and certain other financial institutions, alleging that defendants conspired to fix and manipulate the US Treasury securities market in violat</font><font style='font-family:Calibri;font-size:9pt;' >ion of the </font><font style='font-family:Calibri;font-size:9pt;' >Antitrust Act</font><font style='font-family:Calibri;font-size:9pt;' >, the CEA and state common law.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Supranational, Sovereign and Agency bonds civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Civil antitrust actions have been filed in the SDNY and Federal Court of Canada in Toronto against Barclays Bank PLC, BCI, BX, Barclays Capital</font><font style='font-family:Calibri;font-size:9pt;' > Securities Limited and, with respect to the civil action filed in Canada only,</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' > </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Capital Canada, Inc.</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' > </font><font style='font-family:Calibri;font-size:9pt;' >and other financial institutions alleging that the defendants conspired to fix prices and restrain competition in the market for US dollar-denomin</font><font style='font-family:Calibri;font-size:9pt;' >ated Supranational, Sovereign and Agency bonds.</font><font style='font-family:Calibri;font-size:9pt;' > </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In one of the actions filed in the SDNY, the court granted the defendants&#8217; motion to dismiss the plaintiffs&#8217; complaint, which the plaintiffs have appealed. The plaintiffs have voluntarily dismissed the othe</font><font style='font-family:Calibri;font-size:9pt;' >r SDNY action.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Variable Rate Demand Obligations civil actions</font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Civil actions </font><font style='font-family:Calibri;font-size:9pt;' >have been filed</font><font style='font-family:Calibri;font-size:9pt;' > against Barclays Bank PLC and BCI and other financial institutions alleging the defendants conspired or colluded to artificially inflate interest rates set for Variable Rate Demand Obligations (VRDOs). VRDOs are municipal bonds with interest rates that re</font><font style='font-family:Calibri;font-size:9pt;' >set on a periodic basis, most commonly weekly. </font><font style='font-family:Calibri;font-size:9pt;' >Two actions in state court have been filed by private plaintiffs on behalf of the states of Illinois and California</font><font style='font-family:Calibri;font-size:9pt;' >. Two putative class action complaints, which </font><font style='font-family:Calibri;font-size:9pt;' >have been consolidated</font><font style='font-family:Calibri;font-size:9pt;' >, have been filed in the S</font><font style='font-family:Calibri;font-size:9pt;' >DNY.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;font-style:italic;margin-left:0pt;' >Government bond civil actions</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In a putative class action filed in the SDNY in 2019, plaintiffs alleged that BCI and certain other bond dealers conspired to fix the prices of US government sponsored entity bonds in violation of US antitrust law. BCI a</font><font style='font-family:Calibri;font-size:9pt;' >greed to a settlement of $87m, which received final court approval in June 2020. Separately, various entities in Louisiana, including the Louisiana Attorney General and the City of Baton Rouge, have filed complaints against Barclays Bank PLC and other fina</font><font style='font-family:Calibri;font-size:9pt;' >ncial institutions making similar allegations as the </font><font style='font-family:Calibri;font-size:9pt;' >class action plaintiffs</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2018, a separate putative class action against various financial institutions including Barclays PLC, Barclays Bank PLC, BCI, Barclays Bank Mexico, S.A., and certain other su</font><font style='font-family:Calibri;font-size:9pt;' >bsidiaries of the </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank </font><font style='font-family:Calibri;font-size:9pt;' >Group </font><font style='font-family:Calibri;font-size:9pt;' >was consolidated</font><font style='font-family:Calibri;font-size:9pt;' > in the SDNY. The plaintiffs asserted antitrust and state law claims arising out of an alleged conspiracy to fix the prices of Mexican Government bonds. Barclays PLC has settled the claim for $5.7m, which is subject </font><font style='font-family:Calibri;font-size:9pt;' >to court approval. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >BDC Finance L.L.C.</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2008, BDC Finance L.L.C. (BDC) filed a complaint in the NY Supreme Court, demanding damages of $298m, alleging that Barclays Bank PLC had breached a contract in connection with a portfolio of total return swaps </font><font style='font-family:Calibri;font-size:9pt;' >governed by an ISDA Master Agreement (collectively, the Agreement). Following a trial on certain liability issues, the court ruled in December 2018 that Barclays Bank PLC was not a defaulting party, which </font><font style='font-family:Calibri;font-size:9pt;' >was affirmed</font><font style='font-family:Calibri;font-size:9pt;' > on appeal. Barclays Bank PLC&#8217;s counter</font><font style='font-family:Calibri;font-size:9pt;' >claim </font><font style='font-family:Calibri;font-size:9pt;' >against BDC </font><font style='font-family:Calibri;font-size:9pt;' >remains pending.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2011, BDC&#8217;s investment advisor, BDCM Fund Adviser, L.L.C. and its parent company, Black Diamond Capital Holdings, L.L.C. also sued Barclays Bank PLC and BCI in Connecticut State Court for unspecified damages allegedly</font><font style='font-family:Calibri;font-size:9pt;' > resulting from Barclays Bank PLC&#8217;s conduct relating to the Agreement, asserting claims for violation of the Connecticut Unfair Trade Practices Act and tortious interference with business and prospective business relations.</font><font style='font-family:Calibri;font-size:9pt;' > This case </font><font style='font-family:Calibri;font-size:9pt;' >is currently stayed</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Civil </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >a</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >ctions in </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >r</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >espect of the US Anti-Terrorism Act </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >There are a number of civil actions, on behalf of more than 4,000 plaintiffs, filed in US federal courts in the </font><font style='font-family:Calibri;font-size:9pt;' >US District Court in the Eastern District of New York (</font><font style='font-family:Calibri;font-size:9pt;' >EDNY) and SDNY against Barclays </font><font style='font-family:Calibri;font-size:9pt;' >Bank PLC and a number of other banks. The complaints generally allege that Barclays Bank PLC and those banks engaged in a conspiracy to facilitate US dollar-denominated transactions for the Government of Iran and various Iranian banks, which in turn funded</font><font style='font-family:Calibri;font-size:9pt;' > acts of terrorism that injured or killed plaintiffs or plaintiffs&#8217; family members. The plaintiffs seek to recover damages for pain, suffering and mental anguish under the provisions of the US Anti-Terrorism Act, which allow for the trebling of any proven </font><font style='font-family:Calibri;font-size:9pt;' >damages. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The court granted the defendants&#8217; motion to dismiss three actions in the EDNY. Plaintiffs have appealed in one </font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >action. </font><font style='font-family:Calibri;font-size:9pt;' >The court also granted the defendants&#8217; motion to dismiss another action in the SDNY. The remaining actions are stayed pending </font><font style='font-family:Calibri;font-size:9pt;' >decisions in these cases. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Interest rate swap and credit default swap US civil actions </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Barclays PLC, Barclays Bank PLC and BCI, together with other financial institutions that act as market makers for interest rate swaps (IRS) are named as defendants in </font><font style='font-family:Calibri;font-size:9pt;' >several antitrust class </font><font style='font-family:Calibri;font-size:9pt;' >actions which</font><font style='font-family:Calibri;font-size:9pt;' > were consolidated in the SDNY in 2016. The complaints allege the defendants conspired to prevent the development of exchanges for IRS and demand unspecified money damages. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2018, trueEX LLC filed an antitrust class</font><font style='font-family:Calibri;font-size:9pt;' > action in the SDNY against a number of financial institutions including Barclays PLC, Barclays Bank PLC and BCI based on similar allegations with respect to trueEX LLC&#8217;s development of an IRS platform. In 2017, Tera Group Inc. filed a separate civil antit</font><font style='font-family:Calibri;font-size:9pt;' >rust action in the SDNY claiming that certain conduct alleged in the IRS cases also caused the plaintiff to suffer harm with respect to the Credit Default Swaps market. In November 2018 and July 2019, respectively, the court dismissed certain claims in bot</font><font style='font-family:Calibri;font-size:9pt;' >h cases for unjust enrichment and tortious interference but denied motions to dismiss the federal and state antitrust claims, which remain pending.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Odd-lot</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' > corporate bonds antitrust class action</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#FF0000;' > </font></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2020, BCI, together with other financial institutions, </font><font style='font-family:Calibri;font-size:9pt;' >were named</font><font style='font-family:Calibri;font-size:9pt;' > as defendants in a putative class action. The complaint alleges a conspiracy to boycott developing electronic trading platforms for </font><font style='font-family:Calibri;font-size:9pt;' >odd-lots</font><font style='font-family:Calibri;font-size:9pt;' > and price fixing. Plaintiffs demand unspecified money damages. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Investigation into collections and reco</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;color:#00B0F0;' >veries relating to unsecured lending</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' > </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Since February 2018, the FCA has been investigating whether the Barclays Group implemented effective systems and controls with respect to collections and recoveries and whether it paid due consideration&#160;to the interest</font><font style='font-family:Calibri;font-size:9pt;' >s of customers in default and arrears. The FCA investigation is at an advanced stage.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >HM Revenue &amp; Customs (HMRC) assessments concerning UK Value Added Tax </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >In 2018, HMRC issued notices that have the effect of removing certain overseas subsidiaries that h</font><font style='font-family:Calibri;font-size:9pt;' >ave operations in the UK from Barclays&#8217; UK VAT group, in which group supplies between members are generally free from VAT. The notices have retrospective effect and correspond to assessments of &#163;181m (inclusive of interest), of which Barclays would expect </font><font style='font-family:Calibri;font-size:9pt;' >to attribute an amount of approximately &#163;128m to Barclays Bank UK PLC and &#163;53m to Barclays Bank PLC. HMRC&#8217;s decision </font><font style='font-family:Calibri;font-size:9pt;' >has been appealed</font><font style='font-family:Calibri;font-size:9pt;' > to the First Tier Tribunal (Tax Chamber).</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Local authority civil actions concerning LIBOR </font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Following settlement by </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank PLC of various governmental&#160;investigations concerning certain benchmark interest rate submissions referred to above in &#8216;Investigations into LIBOR and other benchmarks and related civil actions&#8217;, in the UK, certain local authorities have broug</font><font style='font-family:Calibri;font-size:9pt;' >ht claims against Barclays Bank PLC (and, in certain cases, Barclays Bank UK PLC) asserting that they entered into loans in reliance on misrepresentations made by Barclays Bank PLC in respect of its conduct in relation to LIBOR.</font><font style='font-family:Calibri;font-size:9pt;' > Barclays has applied to str</font><font style='font-family:Calibri;font-size:9pt;' >ike out the claims.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >General</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The Barclays Bank Group is engaged in various other legal, competition and regulatory matters in the UK, the US and a number of other overseas jurisdictions. </font><font style='font-family:Calibri;font-size:9pt;' >It is subject to legal proceedings brought by and against the Barclay</font><font style='font-family:Calibri;font-size:9pt;' >s Bank Group which arise in the ordinary course of business from time to time, including (but not limited to) disputes in relation to contracts, securities, debt collection, consumer credit, fraud, trusts, client assets, competition, data management and pr</font><font style='font-family:Calibri;font-size:9pt;' >otection, money laundering, financial crime, employment, environmental and other statutory and common law issues.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The Barclays Bank Group is also subject to enquiries and examinations, requests for information, audits, investigations and legal and other p</font><font style='font-family:Calibri;font-size:9pt;' >roceedings by regulators, governmental and other public bodies in connection with (but not limited to) consumer protection measures, compliance with legislation and regulation, wholesale trading activity and other areas of banking and business activities i</font><font style='font-family:Calibri;font-size:9pt;' >n which the Barclays Bank Group is or has been engaged.</font><font style='font-family:Calibri;font-size:9pt;' > The Barclays Bank Group</font><font style='font-family:Calibri;font-size:9pt;' > is cooperating with the relevant authorities and keeping all relevant agencies briefed as appropriate in relation to these matters and others described in this note on an ongoi</font><font style='font-family:Calibri;font-size:9pt;' >ng basis.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >At the present time</font><font style='font-family:Calibri;font-size:9pt;' >, Barclays Bank PLC does not expect the ultimate resolution of any of these other matters to have a material adverse effect on its financial position. </font><font style='font-family:Calibri;font-size:9pt;' >However, in light of the uncertainties involved in such matters and the mat</font><font style='font-family:Calibri;font-size:9pt;' >ters specifically described in this note, there can be no assurance that the outcome of&#160;a particular matter or matters (including formerly active matters or those matters arising after the date of this note) will not be material to Barclays Bank PLC&#8217;s resu</font><font style='font-family:Calibri;font-size:9pt;' >lts, operations or cash flow for a particular period, depending on, among other things, the amount of the loss resulting from the matter(s) and the amount of profit otherwise reported for the reporting period.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;line-height:12pt;' ></p></div> 291142000000 7747000000 538955000000 355000000 33400000000 627822000000 50378000000 45406000000 -2000000 2000000 740000000 0 0 0 0 218000000 0 0 40000000 0 4047000000 0 0 2829000000 8637000000 16000000 102000000 -8000000 -2000000 -181000000 20000000 112000000 0 67682000000 222142000000 2460000000 -3192000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Level 3 movement analysis</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following table summarises the movements in the balances of Level 3 assets and liabilities during the period. The table shows gains and losses and includes amounts for all financial assets and liabilities that are held at </font><font style='font-family:Calibri;font-size:9pt;' >fair value transferred to and from Level 3 during the period. Transfers </font><font style='font-family:Calibri;font-size:9pt;' >have been reflected</font><font style='font-family:Calibri;font-size:9pt;' > as if they had taken place at the beginning of the year.</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Asset and liability moves between Level 2 and Level 3 are primarily due to i) an increase or decrease in o</font><font style='font-family:Calibri;font-size:9pt;' >bservable market activity related to an input or ii) a change in the significance of the unobservable input, with assets and liabilities classified as Level 3 if an unobservable input is deemed significant.</font></p><p style='text-align:left;line-height:13.8pt;' ></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:14.25pt;' ><td colspan='12' rowspan='1' style='width:486pt;text-align:left;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:486pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Level 3 movement analysis</font></td></tr><tr style='height:15.75pt;' ><td colspan='2' rowspan='1' style='width:141pt;text-align:left;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:141pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='1' rowspan='2' style='width:39pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Purchases</font></td><td colspan='1' rowspan='2' style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Sales</font></td><td colspan='1' rowspan='2' style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Issues</font></td><td colspan='1' rowspan='2' style='width:31.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Settle- ments</font></td><td colspan='2' rowspan='1' style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:71.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Total gains and losses in the period recognised in the income statement</font></td><td colspan='1' rowspan='2' style='width:43.5pt;text-align:center;vertical-align:bottom;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Total gains or losses recognised in OCI</font></td><td colspan='2' rowspan='1' style='width:62.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:62.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Transfers </font></td><td colspan='1' rowspan='2' style='width:37.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td></tr><tr style='height:30pt;' ><td style='width:107.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 01.01.20</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Other income</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >In</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#A6A6A6;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Out</font></td></tr><tr style='height:13.5pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:13.5pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Corporate debt</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >120 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >25 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(26)</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(17)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >106 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >974 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,927 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(740)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(4)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(111)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >97 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(320)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,823 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >656 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >249 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(224)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(76)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >41 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(11)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >623 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >392 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(4)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(67)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >28 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(4)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >347 </font></td></tr><tr style='height:11.25pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >122 </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >47 </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >8 </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >179 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio assets</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,264 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,250 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(968)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(80)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(214)</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >178 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(352)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,078 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,964 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,050 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(270)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(112)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >110 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,742 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >835 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(22)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(29)</font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >798 </font></td></tr><tr style='height:10.5pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Private equity investments</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >113 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >20 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >126 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,250 </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,865 </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2,017)</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(13)</font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(8)</font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >55 </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >24 </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,156 </font></td></tr><tr style='height:29.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,162 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,930 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2,289)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(125)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >82 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >30 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >44 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(12)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,822 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#7F7F7F;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >343 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >79 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(157)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >262 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >86 </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >85 </font></td></tr><tr style='height:11.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#7F7F7F;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >429 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >79 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(157)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#7F7F7F;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >347 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:4.9pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Investment property</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >13 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >10 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.45pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Issued debt</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(146)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(22)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(157)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(197)</font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >12 </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(198)</font></td></tr><tr style='height:19.5pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#828282;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial liabilities</font><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >designated at fair value</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(343)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(12)</font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(22)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >26 </font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(355)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.45pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Interest rate derivatives</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(206)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >10 </font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >268 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >300 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >380 </font></td></tr><tr style='height:19.5pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Foreign exchange derivatives</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(7)</font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >89 </font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >5 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(8)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >67 </font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Credit derivatives</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >198 </font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(258)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >11 </font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(376)</font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >151 </font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >8 </font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(263)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity derivatives</font></td><td style='width:33.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(820)</font></td><td style='width:39pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(447)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:30pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:36pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(90)</font></td><td style='width:35.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(5)</font></td><td style='width:31.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(23)</font></td><td style='width:37.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1,369)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Commodity derivatives</font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td></tr><tr style='height:21pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Net derivative financial </font><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >instruments</font><sup><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1</font></sup></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(835)</font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(688)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >10 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(361)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >418 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >302 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(33)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1,185)</font></td></tr><tr style='height:12.75pt;' ><td style='width:107.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:5.25pt;' ><td style='width:107.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:33.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >5,690 </font></td><td style='width:39pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:39pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,571 </font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3,249)</font></td><td style='width:30pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(723)</font></td><td style='width:36pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:36pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >275 </font></td><td style='width:35.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >29 </font></td><td style='width:43.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#A6A6A6;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(4)</font></td><td style='width:30.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >504 </font></td><td style='width:31.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(373)</font></td><td style='width:37.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >6,717 </font></td></tr><tr style='height:11.25pt;' ><td style='width:107.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:107.25pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:33.75pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:39pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:39pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:36pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:35.25pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:35.25pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:43.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:43.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:30.75pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:30.75pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:31.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:31.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td><td style='width:37.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:37.5pt;' ><font style='font-family:Calibri;font-size:7pt;font-weight:bold;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >7,747</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m and derivative financial liabilities were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >8,932</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td colspan='11' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Level 3 movement analysis</font></td></tr><tr style='height:15pt;' ><td colspan='2' rowspan='1' style='width:150.75pt;text-align:left;vertical-align:top;border-color:Black;min-width:150.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' ></font></td><td colspan='1' rowspan='2' style='width:51.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Purchases</font></td><td colspan='1' rowspan='2' style='width:36.75pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Sales</font></td><td colspan='1' rowspan='2' style='width:32.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Issues</font></td><td colspan='1' rowspan='2' style='width:33pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Settle-</font><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >ments</font></td><td colspan='2' rowspan='1' style='width:71.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:71.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Total gains and losses in the period recognised in the income statement</font></td><td colspan='2' rowspan='1' style='width:64.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;border-color:Black;min-width:64.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Transfers </font></td><td colspan='1' rowspan='2' style='width:42pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 30.06.19</font></td></tr><tr style='height:19.5pt;' ><td style='width:112.5pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >As at 01.01.19</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Trading income</font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Other income</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >In</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#00B0F0;' >Out</font></td></tr><tr style='height:12pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Government and government sponsored debt</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(14)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Corporate debt</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >388 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >70 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(24)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(31)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >14 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >32 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(74)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >375 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,263 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,235 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1,260)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(19)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >12 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >19 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(90)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,160 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >664 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >81 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(127)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >5 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >16 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(29)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >610 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >136 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >48 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(13)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2)</font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >116 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(20)</font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >265 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >148 </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >136 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio assets</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,613 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1,436 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1,424)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(51)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >19 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >183 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(228)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,548 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,836 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(132)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >70 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,775 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >559 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >9 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >178 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >740 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Private equity investments</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >191 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(6)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >185 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Other</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,064 </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2,334 </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2,619)</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(2)</font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >9 </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >24 </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(840)</font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >987 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through the income statement</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >4,650 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2,349 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(2,622)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(145)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >91 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >181 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >24 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(841)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,687 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Non-asset backed loans</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >353 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >48 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(55)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(218)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >128 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Asset backed securities</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >40 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >40 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity cash products</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial assets at fair value through other comprehensive income</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >355 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >88 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(55)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(218)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >170 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Investment property</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >9 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >8 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Trading portfolio liabilities</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(3)</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(5)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(6)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Certificates of deposit, commercial paper and other money market instruments</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(10)</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(11)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(21)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Issued debt</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(251)</font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(16)</font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >5 </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1 </font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(263)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Financial liabilities designated at fair value</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(261)</font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(16)</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >2 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >5 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(14)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1 </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(284)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Interest rate derivatives</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >22 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >76 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >116 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(107)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >145 </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >249 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Foreign exchange derivatives</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >7 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(12)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(41)</font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(51)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >17 </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(80)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Credit derivatives</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,050 </font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(63)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >4 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(3)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >86 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >2 </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >3 </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >1,079 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Equity derivatives</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(607)</font></td><td style='width:51.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(122)</font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(5)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >23 </font></td><td style='width:36.75pt;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >89 </font></td><td style='width:34.5pt;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(16)</font></td><td style='width:32.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >292 </font></td><td style='width:42pt;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >(346)</font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' >Commodity derivatives</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' > - </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#808080;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Net derivative financial instruments</font><sup><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >1</font></sup></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >472 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(188)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(1)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >84 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >250 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' > - </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(172)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >457 </font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#808080;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >902 </font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:51.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:33pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:36.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:34.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:32.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td><td style='width:42pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;color:#000000;' ></font></td></tr><tr style='height:14.25pt;' ><td style='width:112.5pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:112.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >8,835 </font></td><td style='width:51.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:51.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >3,685 </font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(4,047)</font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(16)</font></td><td style='width:33pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:33pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(165)</font></td><td style='width:36.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:36.75pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >367 </font></td><td style='width:34.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:34.5pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >179 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >16 </font></td><td style='width:32.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:32.25pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >(829)</font></td><td style='width:42pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;border-color:#969696;min-width:42pt;' ><font style='font-family:Calibri;font-size:7.5pt;font-weight:bold;color:#000000;' >8,025 </font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:1pt;margin-bottom:1pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Derivative financial instruments </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >are presented</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > on a net basis. On a gross basis, derivative financial assets were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >5,701</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m and derivative financial liabilities were &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >4,799</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m.</font></p></div> 84000000 3383000000 183000000 0 152000000 44000000 12000000 723000000 19000000 1927000000 2000000 -17000000 0 27000000 In 2008, BDC Finance L.L.C. (BDC) filed a complaint in the NY Supreme Court, demanding damages of $298m, alleging that Barclays Bank PLC had breached a contract in connection with a portfolio of total return swaps governed by an ISDA Master Agreement (collectively, the Agreement). Following a trial on certain liability issues, the court ruled in December 2018 that Barclays Bank PLC was not a defaulting party, which was affirmed on appeal. Barclays Bank PLC’s counterclaim against BDC remains pending. 107000000 213881000000 -177000000 31000000 0 0 3000000 -8000000 1465000000 -17000000 2814000000 2108000000 50378000000 -67000000 1095958000000 5000000 1386000000 3613000000 90000000 228000000 375000000 0 0 -177000000 248000000 968000000 0 63000000 16000000 157000000 260000000 46000000 35000000 2594000000 3818000000 120000000 974000000 4162000000 472000000 177000000 253000000 212000000 19811 34861000000 4033 268736000000 2168000000 2342000000 58133 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >Movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The following tables present a reconciliation of the opening to the closing balance of the exposure and impairment allowance. </font><font style='font-family:Calibri;font-size:9pt;' >Explanation of the terms: 12-month ECL, lifetime ECL and credit-impaired are included in the Barclays Bank PLC Annual Report </font><font style='font-family:Calibri;font-size:9pt;' >2019 on page 149</font><font style='font-family:Calibri;font-size:9pt;' >. Barclays Bank Group does not hold any material purchased or originated credit-impaired assets as at </font><font style='font-family:Calibri;font-size:9pt;' >period end. Transfers between stages in the tables have been reflected as if they had taken place at the beginning of the year. The movements are measured over a 6-month period.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Loans and advances at amortised cost</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:22.7pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Home loans</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9,604</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >674</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >40</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,056</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >292</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,334</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >348</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 1 to Stage 2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(394)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >394</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 2 to Stage 1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(114)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(64)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >131</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >31</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(48)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >410</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >410</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >334</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >28</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >39</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >61</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >401</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >77</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Final repayments</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(351)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(67)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(29)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(447)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Disposals</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Write-offs</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >9,670</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >12</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >879</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >54</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,142</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >350</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >11,691</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >416</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >29,541</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >362</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,450</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >784</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,129</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,471</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36,120</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,617</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 1 to Stage 2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,520)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(78)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,520</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >78</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 2 to Stage 1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >948</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >134</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(948)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(134)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(153)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(10)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(397)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(171)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >550</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >181</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >21</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >50</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(71)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,416</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >66</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,487</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,447)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >55</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >259</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >824</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >160</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >513</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3,028)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,392</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Final repayments</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,472)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(10)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(94)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(12)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(63)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,629)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(26)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Barclays Group</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,182)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(16)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(92)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(25)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(47)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(41)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,321)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(82)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Disposals</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,493)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(183)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(20)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(71)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(45)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,747)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(73)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Write-offs</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(556)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >20,659</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >456</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >6,631</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,340</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,036</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,511</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >29,326</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,307</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >In </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2020</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >, gross write-offs amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >643</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >627</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) and post write-off recoveries amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2019</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >47</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >642m</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >580</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >Other financial assets subject to impairment </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >excluded</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > in the table</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >s</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >a total gross exposure of &#163;187.1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn (De</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >cember 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >25.5</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn) and impairment allow</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ance of &#163;168m (December 2019: &#163;22</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). This comprises &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >33m ECL (December 2019: &#163;10m) on &#163;181.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 1 assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >24.7bn), &#163;20</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;2m) on &#163;5.3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 2 fair value through other compreh</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ensive income assets, cash collateral and settle</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ment assets (December 2019: &#163;0.8bn) and &#163;115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (Dece</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >mber 2019: &#163;10m) on &#163;115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m Stage 3 other assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;10m)</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > Transfe</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >rs</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > to Barclays Group</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > reported within Credit cards, unsecured loans and </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >other </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >4</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >Disposals reported within Credit cards, unsecured loans and other retail lending portfolio includ</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >e sale of the motor financing business from</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > the Barclays Partner Finance business.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Loans and advances at amortised cost</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:15pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Wholesale loans</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >89,200</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >114</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7,515</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >234</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,163</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >383</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >97,878</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >731</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 1 to Stage 2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24,051)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(55)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24,051</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >55</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 2 to Stage 1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,589</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,589)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(12)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers to Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(688)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(507)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(39)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,195</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Transfers from Stage 3</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >139</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >109</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(248)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19,309</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,128</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >212</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >42</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23,479</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >243</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10,474</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >136</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,791</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >334</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >349</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >539</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15,614</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,009</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Final repayments</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(20,273)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1,606)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(15)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(260)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(36)</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(22,139)</font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(69)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Disposals</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(9)</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Write-offs</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(80)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >75,699</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >206</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >36,883</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >770</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,161</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >858</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >114,743</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,834</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td colspan='8' rowspan='1' style='width:444pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:444pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Reconciliation of ECL movement to impairment charge/(release) for the period</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >Home loans</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >75</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >1,319</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >Wholesale loans</font></td><td style='width:42.75pt;border-right-style:solid;border-right-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-right-style:solid;border-right-width:1;border-bottom-style:solid;border-bottom-width:1;border-left-style:solid;border-left-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >1,183</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >ECL movement excluding assets derecognised due to disposals and write-offs</font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,577</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Recoveries and reimbursements</font><sup><font style='font-family:Calibri;font-size:8pt;font-style:italic;color:#000000;' >3</font></sup></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(280)</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Exchange and other adjustments</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(103)</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Impairment charge on loan commitments and other financial guarantees</font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >331</font></td></tr><tr style='height:9pt;' ><td colspan='7' rowspan='1' style='width:401.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:401.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Impairment charge on other financial assets</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >149</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >2,674</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >In </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2020</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >, gross write-offs amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >643</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >627</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) and post write-off recoveries amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 2019</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >47</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >642</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >H1 </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >580</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;color:#000000;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >Other financial assets subject to impairment </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >excluded from</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > the table</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >s</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' > above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >a total gross exposure of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >187.1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn (</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >25.5</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn) and impairment allow</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ance of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >168</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >22</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m). This comprises &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >33</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m ECL (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >181.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 1 assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >24.7</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn), &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >20</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >2</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >5.3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn Stage 2 fair value through other compr</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ehensive income assets, cash collateral and settle</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >ment assets (December 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >0.8</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >bn) and &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m (Dece</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >mber 2019: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m) on &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >115</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m Stage 3 other assets (December 201</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >9: &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >10</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >m</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;color:#000000;' >).</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >3</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Recoveries and reimbursements includes a net gain in relation to reimbursements </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >from guarantee contracts held with third parties of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >279</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m and </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >post write off recoveries of &#163;</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >1</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >m.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;' >4</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Includes foreign exchange and interest and fees in suspense</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></p></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15.5pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Loan commitments and financial guarantees</font></td></tr><tr style='height:12pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 1</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 2</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Stage 3</font></td><td colspan='2' rowspan='1' style='width:81pt;border-bottom-style:solid;border-bottom-width:1;text-align:center;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:81pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Total</font></td></tr><tr style='height:12pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:11pt;color:#000000;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Gross exposure</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >ECL</font></td></tr><tr style='height:10.75pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Home loans</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >34</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net transfers between stages</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >136</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >136</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Limit management</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >161</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >161</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td colspan='9' rowspan='1' style='width:482.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Credit cards, unsecured loans and other retail lending</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >78,257</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,053</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >67</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >14</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >80,377</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >51</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net transfers between stages</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,633)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2,394</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >239</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,641</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >57</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,699</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,735</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >16</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(74)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(273)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5,388</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >50</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Limit management</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5,165)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(261)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5,430)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >79,835</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >41</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >4,169</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >41</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >30</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >18</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >84,034</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >100</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:42.75pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:38.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Wholesale loans</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 1 January 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >183,001</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >63</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >12,053</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >97</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >636</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >41</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >195,690</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >201</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net transfers between stages</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(38,412)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(22)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >37,380</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,032</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Business activity in the year</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >24,878</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,389</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >30</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >107</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >28,374</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >37</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10,996</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >794</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >285</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(232)</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:42.75pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >11,558</font></td><td style='width:38.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >280</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Limit management</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(36,233)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,764)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(18)</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(239)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:42.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(39,236)</font></td><td style='width:38.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(25)</font></td></tr><tr style='height:9pt;' ><td style='width:158.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:158.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >As at 30 June 2020</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >144,230</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >54</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >50,852</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >409</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >1,304</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >30</font></td><td style='width:42.75pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:42.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >196,386</font></td><td style='width:38.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:38.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >493</font></td></tr></table></div> 114743000000 416000000 879000000 197000000 92000000 24000000 128345000000 114000000 11581000000 1094000000 523000000 3806000000 292000000 1471000000 0.001 0.494 Underwriting and syndication fees are earned for the distribution of client equity or debt securities, and the arrangement and administration of a loan syndication. This includes commitment fees to provide loan financing. 0 0 405000000 343000000 5305000000 155540000000 307650000000 228940000000 0 10000000 0 0 218000000 0 16000000 0 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >10</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Called up share capital</font></p><p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;' >Ordinary shares</font></p><p style='text-align:left;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >A</font><font style='font-family:Calibri;font-size:9pt;' >s a</font><font style='font-family:Calibri;font-size:9pt;' >t 30 June 20</font><font style='font-family:Calibri;font-size:9pt;' >20</font><font style='font-family:Calibri;font-size:9pt;' > the issued ordinary share capital of </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank PLC</font><font style='font-family:Calibri;font-size:9pt;' > comprised </font><font style='font-family:Calibri;font-size:9pt;' >2,342</font><font style='font-family:Calibri;font-size:9pt;' >m (</font><font style='font-family:Calibri;font-size:9pt;' >December 2019</font><font style='font-family:Calibri;font-size:9pt;' >: </font><font style='font-family:Calibri;font-size:9pt;' >2,342</font><font style='font-family:Calibri;font-size:9pt;' >m) ordinary shares of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' > each.</font></p><p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;' >Preference </font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >share</font><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >s</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >A</font><font style='font-family:Calibri;font-size:9pt;' >s a</font><font style='font-family:Calibri;font-size:9pt;' >t 30 June </font><font style='font-family:Calibri;font-size:9pt;' >2020</font><font style='font-family:Calibri;font-size:9pt;' > the issued preference share capital of </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank PLC</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >6</font><font style='font-family:Calibri;font-size:9pt;' >m (December 201</font><font style='font-family:Calibri;font-size:9pt;' >9</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >6</font><font style='font-family:Calibri;font-size:9pt;' >m) comprise</font><font style='font-family:Calibri;font-size:9pt;' >d </font><font style='font-family:Calibri;font-size:9pt;' >1,000</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >Sterling Preference Shares of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1</font><font style='font-family:Calibri;font-size:9pt;' > each (</font><font style='font-family:Calibri;font-size:9pt;' >December </font><font style='font-family:Calibri;font-size:9pt;' >201</font><font style='font-family:Calibri;font-size:9pt;' >9</font><font style='font-family:Calibri;font-size:9pt;' >: </font><font style='font-family:Calibri;font-size:9pt;' >1,000</font><font style='font-family:Calibri;font-size:9pt;' >); </font><font style='font-family:Calibri;font-size:9pt;' >31,856</font><font style='font-family:Calibri;font-size:9pt;' > Euro Preference Shares of &#8364;</font><font style='font-family:Calibri;font-size:9pt;' >100</font><font style='font-family:Calibri;font-size:9pt;' > each (</font><font style='font-family:Calibri;font-size:9pt;' >December </font><font style='font-family:Calibri;font-size:9pt;' >201</font><font style='font-family:Calibri;font-size:9pt;' >9</font><font style='font-family:Calibri;font-size:9pt;' >: </font><font style='font-family:Calibri;font-size:9pt;' >31,856</font><font style='font-family:Calibri;font-size:9pt;' >); </font><font style='font-family:Calibri;font-size:9pt;' >and </font><font style='font-family:Calibri;font-size:9pt;' >58,133</font><font style='font-family:Calibri;font-size:9pt;' > U</font><font style='font-family:Calibri;font-size:9pt;' >S Dollar</font><font style='font-family:Calibri;font-size:9pt;' > Preference shares of $</font><font style='font-family:Calibri;font-size:9pt;' >100</font><font style='font-family:Calibri;font-size:9pt;' > each (</font><font style='font-family:Calibri;font-size:9pt;' >December </font><font style='font-family:Calibri;font-size:9pt;' >201</font><font style='font-family:Calibri;font-size:9pt;' >9</font><font style='font-family:Calibri;font-size:9pt;' >: </font><font style='font-family:Calibri;font-size:9pt;' >58,13</font><font style='font-family:Calibri;font-size:9pt;' >3</font><font style='font-family:Calibri;font-size:9pt;' >).</font></p><p style='text-align:justify;margin-top:9pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >There were </font><font style='font-family:Calibri;font-size:9pt;' >no</font><font style='font-family:Calibri;font-size:9pt;' > issuance</font><font style='font-family:Calibri;font-size:9pt;' >s</font><font style='font-family:Calibri;font-size:9pt;' > or redemption</font><font style='font-family:Calibri;font-size:9pt;' >s </font><font style='font-family:Calibri;font-size:9pt;' >of ordinary or preference s</font><font style='font-family:Calibri;font-size:9pt;' >hares in the six months to</font><font style='font-family:Calibri;font-size:9pt;' > 30 June </font><font style='font-family:Calibri;font-size:9pt;' >2020</font><font style='font-family:Calibri;font-size:9pt;' >.</font></p></div> <div><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >11</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >Other equity instruments</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:6pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >Other equity instruments of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >8,323</font><font style='font-family:Calibri;font-size:9pt;' >m </font><font style='font-family:Calibri;font-size:9pt;' >(</font><font style='font-family:Calibri;font-size:9pt;' >December 201</font><font style='font-family:Calibri;font-size:9pt;' >9</font><font style='font-family:Calibri;font-size:9pt;' >: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >8,323</font><font style='font-family:Calibri;font-size:9pt;' >m) are</font><font style='font-family:Calibri;font-size:9pt;' > AT1 securities issued</font><font style='font-family:Calibri;font-size:9pt;' > to Barclays PLC</font><font style='font-family:Calibri;font-size:9pt;' >.</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' > Barclays PLC uses funds from the market issuance to purchase AT1 s</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >ec</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >urities from Barclays Bank PLC</font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >. </font><font style='font-family:Calibri;font-size:9pt;color:#000000;' >There have been no issuances or redemptions in the period.</font></p><p style='text-align:justify;margin-top:12pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The AT1 securities are perpetual securities with no fixed maturity and are structured to qualify as AT1 instruments under </font><font style='font-family:Calibri;font-size:9pt;' >prevailing capital rules </font><font style='font-family:Calibri;font-size:9pt;' >applicable </font><font style='font-family:Calibri;font-size:9pt;' >as at the relevant issue date</font><font style='font-family:Calibri;font-size:9pt;' >.</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >AT1 </font><font style='font-family:Calibri;font-size:9pt;' >securi</font><font style='font-family:Calibri;font-size:9pt;' >ties are undated and are redeemab</font><font style='font-family:Calibri;font-size:9pt;' >le, at the option of Barclays </font><font style='font-family:Calibri;font-size:9pt;' >Bank </font><font style='font-family:Calibri;font-size:9pt;' >PLC, in whole at the initial call date, or on any fifth anniversary after the initial call date. In addition, the AT1 securities are re</font><font style='font-family:Calibri;font-size:9pt;' >deemable</font><font style='font-family:Calibri;font-size:9pt;' >, at the option of Barclays</font><font style='font-family:Calibri;font-size:9pt;' > Bank</font><font style='font-family:Calibri;font-size:9pt;' > PLC, i</font><font style='font-family:Calibri;font-size:9pt;' >n whole in the event of certain changes in the tax or regulatory treatment o</font><font style='font-family:Calibri;font-size:9pt;' >f the securities. Any redemptions</font><font style='font-family:Calibri;font-size:9pt;' > require the prior consent of the PRA.</font></p></div> <div><table style='border-collapse:collapse;' ><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >12. Other reserves</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m</font></td></tr><tr style='height:15pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Currency translation reserve</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4,769</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,383</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Fair value through other comprehensive income reserve</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(139)</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Cash flow hedging reserve</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1,453</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >388</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Own credit reserve</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >123</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(373)</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other reserves </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24)</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(24)</font></td></tr><tr style='height:11.25pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Total</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >6,319</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >3,235</font></td></tr></table></div> 1821000000 240631000000 59448000000 9185000000 19883000000 33205000000 45130000000 207765000000 225607000000 221000000 80000000 104000000 630000000 844696000000 2348000000 11089000000 678000000 32310000000 46425000000 891121000000 3235000000 36709000000 0 333000000 3084000000 1599000000 2348000000 6319000000 39704000000 0 0 0 0 0 0 366000000 0 0 0 0 0 0 -776000000 -200000000 -101000000 0 -296000000 949 0 0 0 -54 0 0 0 0 0 0 0 0 0 366000000 -1079000000 -366000000 0 0 0 0 -1373000000 0 0 0 0 0 16000000 911000000 -395000000 0 194000000 -9000000 233000000 0 0 0 3000000 2348000000 8323000000 3235000000 36709000000 1671000000 3938000000 2117000000 3173000000 1502000000 10000000 126000000 232000000 359000000 612000000 0 1203000000 -140000000 44000000 -96000000 1107000000 1386000000 137000000 1065000000 -6000000 2582000000 645000000 496000000 1141000000 3723000000 0 333000000 0 960000000 0 0 1386000000 0 0 0 137000000 0 0 0 1065000000 0 0 0 0 645000000 0 0 496000000 0 0 -333000000 0 0 0 0 0 475000000 0 0 0 -289000000 0 0 0 263000000 0 0 0 1500000000 0 0 0 1000000 0 0 0 14000000 2348000000 7595000000 3361000000 34405000000 0 294000000 0 1171000000 0 0 232000000 0 0 0 359000000 0 0 0 612000000 0 0 0 0 -140000000 0 0 44000000 0 2000000 0 0 0 0 0 0 47709000000 1465000000 232000000 359000000 612000000 -140000000 44000000 47711000000 0 1807000000 0 -11000000 0 1796000000 1796000000 0 -294000000 0 0 0 -294000000 -294000000 167357000000 156016000000 202060000000 The geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated. 1017100000000 66000000000 12900000000 6973000000 1742000000 -78000000 1320000000 1299000000 55000000 5653000000 443000000 -133000000 3458000000 1053000000 37000000 4000000 8000000 7000000 3462000000 1061000000 44000000 12000000 115000000 0 2203000000 -503000000 -177000000 4548000000 19000000 127000000 3589000000 1207000000 45000000 26000000 4000000 39000000 4841000000 69000000 27000000 4152000000 3772000000 605000000 812000000 655000000 588000000 291000000 298000000 193000000 456000000 539000000 342000000 2730000000 4099000000 1710000000 2528000000 17000000 17000000 9000000 9000000 516000000 0 521000000 0 0 176000000 0 167000000 4827000000 0 3280000000 0 1145000000 0 1228000000 0 126000000 0 112000000 0 903000000 179000000 971000000 176000000 740000000 0 756000000 0 16004000000 9287000000 10022000000 4332000000 112287000000 75822000000 161663000000 4939000000 79079000000 162500000000 229338000000 43760000000 119000000 16105000000 115000000 426000000 946000000 1115000000 2062000000 845000000 891121000000 128461000000 115391000000 186606000000 22926000000 73646000000 187575000000 304807000000 53475000000 16000000 16653000000 114000000 419000000 1045000000 1203000000 2797000000 1234000000 1096368000000 268286000000 94744000000 9778000000 34926000000 36937000000 53953000000 234510000000 306288000000 287000000 1083000000 105000000 3297000000 885000000 1045079000000 2348000000 11089000000 2763000000 35089000000 51289000000 1096368000000 102000000 292000000 188000000 56000000 192000000 133000000 4000000 13000000 57000000 2500000000 137000000 -333000000 475000000 -289000000 263000000 1500000000 1000000 1315000000 -776000000 -200000000 -101000000 -54000000 -296000000 16000000 -96000000 -1474000000 -366000000 194000000 -9000000 233000000 14000000 3000000 141636000000 141251000000 150203 149511 245737 245758 213881000000 213897000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >9</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >.</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > Retirement </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >b</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >enefit</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >s</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >As at 30 June 2020, Barclays Bank Group&#8217;s IAS 19 pension surplus across all schemes was &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2.5</font><font style='font-family:Calibri;font-size:9pt;' >bn (December 2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >1.8</font><font style='font-family:Calibri;font-size:9pt;' >bn). The UK Retirement Fund (UKRF), which is the Group&#8217;s main scheme, had an IAS 19 pension surplus of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2.8</font><font style='font-family:Calibri;font-size:9pt;' >bn (December 2019: &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2.1</font><font style='font-family:Calibri;font-size:9pt;' >bn).</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >The movement for the UKRF was driv</font><font style='font-family:Calibri;font-size:9pt;' >en by higher than assumed asset</font><font style='font-family:Calibri;font-size:9pt;' > returns and lower </font><font style='font-family:Calibri;font-size:9pt;' >than </font><font style='font-family:Calibri;font-size:9pt;' >expected long-term price inflation, partially offset by a decrease in the discount rate.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;margin-left:0pt;' >UKRF funding valuations</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The last triennial act</font><font style='font-family:Calibri;font-size:9pt;' >uarial valuation of the UKRF had an effective date of 30 September 2019 and was completed in February 2020. This valuation showed a funding deficit of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >2.3</font><font style='font-family:Calibri;font-size:9pt;' >bn and a funding level of </font><font style='font-family:Calibri;font-size:9pt;' >94.0</font><font style='font-family:Calibri;font-size:9pt;' >%. A revised deficit recovery plan was agreed with deficit reduction co</font><font style='font-family:Calibri;font-size:9pt;' >ntributions required from Barclays Bank PLC of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >500</font><font style='font-family:Calibri;font-size:9pt;' >m in 2019, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >500</font><font style='font-family:Calibri;font-size:9pt;' >m in 2020, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >700</font><font style='font-family:Calibri;font-size:9pt;' >m in 2021, &#163;</font><font style='font-family:Calibri;font-size:9pt;' >294</font><font style='font-family:Calibri;font-size:9pt;' >m in 2022 and &#163;</font><font style='font-family:Calibri;font-size:9pt;' >286</font><font style='font-family:Calibri;font-size:9pt;' >m in 2023. The deficit reduction contributions are in addition to the regular contributions to meet the Group&#8217;s share of the cost of benefits </font><font style='font-family:Calibri;font-size:9pt;' >accruing over each year.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >On 12 June 2020, Barclays Bank PLC paid the &#163;</font><font style='font-family:Calibri;font-size:9pt;' >500</font><font style='font-family:Calibri;font-size:9pt;' >m deficit reduction contribution agreed for 2020 and at the same time the UKRF subscribed for non-transferrable listed senior fixed rate notes for &#163;</font><font style='font-family:Calibri;font-size:9pt;' >750</font><font style='font-family:Calibri;font-size:9pt;' >m, backed by UK gilts (the Seni</font><font style='font-family:Calibri;font-size:9pt;' >or Notes). </font><font style='font-family:Calibri;font-size:9pt;' >These Senior Notes entitle the UKRF to semi-annual coupon payments for five years, and full repayment in cash in three equal tranches in 2023, 2024, and at final maturity in 2025. </font><font style='font-family:Calibri;font-size:9pt;' >The Senior Notes were issued by Heron Issuer Number 2 Limited (He</font><font style='font-family:Calibri;font-size:9pt;' >ron 2), an entity that is consolidated within the Barclays Bank </font><font style='font-family:Calibri;font-size:9pt;' >Group under IFRS 10. As a result of the investment in Senior Notes, the regulatory capital impact of the &#163;500m deficit reduction contribution paid on 12 June 2020 takes effect in 2023, 2024 and 2025 on matu</font><font style='font-family:Calibri;font-size:9pt;' >rity of the notes. The &#163;</font><font style='font-family:Calibri;font-size:9pt;' >250</font><font style='font-family:Calibri;font-size:9pt;' >m additional investment by the UKRF in the Senior Notes has a positive capital impact in 2020 which is reduced equally in 2023, 2024 and 2025 on the maturity of the notes. Heron 2 acquired a total of &#163;</font><font style='font-family:Calibri;font-size:9pt;' >750</font><font style='font-family:Calibri;font-size:9pt;' >m of gilts from B</font><font style='font-family:Calibri;font-size:9pt;' >arclays </font><font style='font-family:Calibri;font-size:9pt;' >B</font><font style='font-family:Calibri;font-size:9pt;' >ank </font><font style='font-family:Calibri;font-size:9pt;' >PLC for cash to support payments on the Senior Notes. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The next triennial actuarial valuation of the UKRF is due to be completed in 2023 with an effective date of 30 September 2022.</font></p><p style='text-align:justify;line-height:12pt;' ></p></div> 4799000000 6-K 301000000 314000000 4825000000 -16727000000 270000000 260000000 44600000000 -2575000000 -7022000000 -9094000000 653000000 2552000000 7813000000 652000000 46044000000 -8465000000 0 0 0 -6000000 0 0 0 28000000 28000000 520000000 1110000000 753000000 0 4000000 0 0 0 4000000 0 -4000000 0 0 0 -4000000 8000000 -8000000 0 -8000000 0 0 0 0 8000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 101000000 31000000 11000000 40000000 10000000 67000000 1000000 3218000000 154000000 11000000 23000000 0 0 0 0 137000000 277000000 114000000 42000000 1065000000 1587000000 117000000 408000000 291000000 0 0 0 27000000 0 27000000 2800000000 2100000000 -2300000000 0.94 500000000 500000000 700000000 294000000 286000000 500000000 750000000 250000000 These Senior Notes entitle the UKRF to semi-annual coupon payments for five years, and full repayment in cash in three equal tranches in 2023, 2024, and at final maturity in 2025. 3082000000 80000000 2518000000 496000000 845000000 144000000 750000000 1095958000000 359000000 <div><table style='border-collapse:collapse;' ><tr style='height:15.75pt;' ><td colspan='3' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >7. Subordinated liabilities</font></td></tr><tr style='height:22.5pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Half year ended</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Year ended</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' ></font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >30.06.20</font></td><td style='width:56.25pt;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >31.12.19</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >&#163;m </font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Opening balance as at 1 January</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >33,425</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >35,327</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Issuances</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,162</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6,785</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Redemptions</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2,814)</font></td><td style='width:56.25pt;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(7,804)</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:middle;border-color:Black;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Other</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3,192</font></td><td style='width:56.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:middle;border-color:Black;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(883)</font></td></tr><tr style='height:12pt;' ><td style='width:369.75pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:middle;border-color:#969696;min-width:369.75pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >Closing balance</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36,965</font></td><td style='width:56.25pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;border-color:#969696;min-width:56.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#000000;' >33,425</font></td></tr></table></div> 87000000 5700000 181000000 0 -607000000 122000000 5000000 0 -23000000 0 0 0 0 0 16000000 -292000000 -346000000 0 0 0 89000000 0 0 0 187100000000 168000000 22000000 181700000000 33000000 10000000 20000000 5300000000 115000000 115000000 593000000 252000000 11334000000 9604000000 674000000 1056000000 0 0 0 -394000000 114000000 17000000 394000000 0 -114000000 0 31000000 -48000000 -67000000 131000000 -64000000 0 0 0 0 0 -3520000000 948000000 -153000000 21000000 3520000000 0 -948000000 0 -397000000 550000000 50000000 -71000000 0 0 0 0 -24051000000 1589000000 -688000000 139000000 24051000000 0 -1589000000 0 -507000000 1195000000 109000000 -248000000 97878000000 23479000000 15614000000 22139000000 9000000 80000000 114743000000 89200000000 19309000000 10474000000 20273000000 0 0 75699000000 7515000000 1163000000 4128000000 42000000 4791000000 349000000 1606000000 260000000 9000000 0 0 80000000 36883000000 2161000000 36120000000 2487000000 -3028000000 1629000000 1747000000 556000000 29326000000 29541000000 2416000000 -3447000000 1472000000 1493000000 0 20659000000 4450000000 2129000000 66000000 5000000 259000000 160000000 94000000 63000000 183000000 71000000 0 556000000 6631000000 2036000000 0 0 28000000 39000000 67000000 29000000 0 0 0 7000000 879000000 1142000000 410000000 334000000 351000000 0 0 9670000000 410000000 401000000 447000000 0 7000000 11691000000 -2182000000 -92000000 -47000000 -2321000000 0 0 0 0 0 0 0 0 0 0 0 0 -55000000 12000000 -2000000 0 55000000 0 -12000000 0 -39000000 41000000 1000000 -1000000 -78000000 134000000 -10000000 4000000 78000000 0 -134000000 0 -171000000 181000000 5000000 -9000000 1000000 0 -3000000 0 -6000000 6000000 1000000 -1000000 -1000000 3000000 0 0 348000000 0 77000000 2000000 0 7000000 416000000 16000000 0 -6000000 0 0 0 12000000 40000000 292000000 0 0 22000000 61000000 1000000 1000000 0 0 0 7000000 54000000 350000000 731000000 243000000 1009000000 69000000 0 80000000 1834000000 114000000 19000000 136000000 18000000 0 0 206000000 234000000 383000000 212000000 12000000 334000000 539000000 15000000 36000000 0 0 0 80000000 770000000 858000000 2617000000 35000000 1392000000 26000000 -82000000 73000000 556000000 3307000000 362000000 23000000 55000000 10000000 -16000000 8000000 0 456000000 784000000 1471000000 11000000 1000000 824000000 513000000 12000000 4000000 -25000000 -41000000 20000000 45000000 0 556000000 1340000000 1511000000 75000000 1319000000 1183000000 2577000000 280000000 -103000000 331000000 149000000 34000000 0 136000000 10000000 19000000 161000000 80377000000 0 3699000000 5388000000 5430000000 84034000000 195690000000 0 28374000000 11558000000 39236000000 196386000000 34000000 0 136000000 10000000 19000000 161000000 78257000000 -2633000000 3641000000 5735000000 5165000000 79835000000 183001000000 -38412000000 24878000000 10996000000 36233000000 144230000000 0 0 0 0 0 0 0 0 0 0 0 0 2053000000 67000000 2394000000 239000000 57000000 1000000 -74000000 -273000000 261000000 4000000 4169000000 30000000 12053000000 636000000 37380000000 1032000000 3389000000 107000000 794000000 -232000000 2764000000 239000000 50852000000 1304000000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 51000000 0 2000000 50000000 3000000 100000000 22000000 2000000 1000000 16000000 0 41000000 15000000 14000000 -1000000 -1000000 0 1000000 27000000 7000000 0 3000000 41000000 18000000 201000000 0 37000000 280000000 25000000 493000000 63000000 -22000000 7000000 13000000 7000000 54000000 97000000 41000000 15000000 7000000 30000000 0 285000000 -18000000 18000000 0 409000000 30000000 144000000 124000000 243000000 -7000000 266000000 30000000 7747000000 8932000000 BARCLAYS BANK PLC 0000312070 2020 Q2 -11096000000 -6368000000 32357000000 15553000000 16960000000 3188000000 -2000000 0 0 0 -2000000 0 0 0 0 0 0 0 -2000000 0 0 0 0 0 0 0 0 0 209000000 401000000 334000000 28000000 39000000 -3028000000 -3447000000 259000000 160000000 15614000000 10474000000 4791000000 349000000 3162000000 793000000 643000000 627000000 47000000 580000000 1000000 642000000 279000000 1000000 -0.087 0.061 0.029 -0.514 0.066 0.065 0.044 0.08 0.006 0.02 0 -0.015 0.002 0.001 0.001 0.001 -0.042 0.044 -0.003 -0.304 0.093 0.076 0.055 0.134 0.011 0.018 -0.008 -0.019 0.005 0.003 0.003 0.003 <div><table style='border-collapse:collapse;' ><tr style='height:14.25pt;' ><td colspan='5' rowspan='1' style='width:482.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:482.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Baseline average macroeconomic variables used in the calculation of ECL</font></td></tr><tr style='height:23.25pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >2020</font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >2021</font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >2022</font></td><td style='width:61.5pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Expected Worst Point </font></td></tr><tr style='height:12pt;' ><td style='width:236.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' >%</font></td><td style='width:61.5pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8.7)</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.1</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:61.5pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(51.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.6</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.5</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.0</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.6</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4.2)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.3)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(30.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9.3</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.6</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.5</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5</font></sup></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.8</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.8)</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.9)</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td></tr><tr style='height:12.75pt;' ><td style='width:236.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:236.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:61.5pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:61.5pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Avera</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >ge Real GDP seasonally adjusted change in year; e</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >xpected worst point using Seasonally Adjusted Annual Rate, SAAR</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >2</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Average UK unemployment rate 16-year+</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >3</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Change in average yearly UK HPI = Halifax All Houses, All Buyers index, relative to prior year </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >end; worst point is based on cumulative drawdown in year relative to prior year end.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >4</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Average US civilian unemployment rate 16-year+.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >5</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Change in average yearly US HPI = FHFA house price index, relative to prior year end; worst point is based on cumulative dr</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >awdown in year relative to prior year end. </font></span></p></div><p style='text-align:justify;line-height:12pt;' ></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:15pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Scenario probability weighting</font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Baseline</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 2</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' > %</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#969696;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#969696;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Scenario probability weighting</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >20.3</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22.4</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >25.4</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >17.5</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >14.4</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#00B0F0;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >Scenario probability weighting</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >40.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >22.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td></tr></table></div><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Macroeconomic variables (specific bases)</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 2</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Baseline</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 2</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.7</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >26.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.2</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >9.6</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10.9</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >45.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >27.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(15.0)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(33.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >19.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >13.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >15.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >18.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >20.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8.8)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >46.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(8.2)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(32.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.5</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >37.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >23.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(19.8)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#818181;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.5</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:#818181;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(4.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.8</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >46.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >32.6</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(32.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.5</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.8</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.3)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >36.9</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >30.2</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.1</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >-</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(17.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font><sup><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3</font></sup></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.7</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:middle;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >1</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >FHFA house price index.</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Forecast period based on 20 quarters from Q3 2020.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >2</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Upside scenario is the highest annual average growth rate based on seasonally adjusted quarterly annualised rate; 5-year average in Baseline; </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >downside is the lowest annual a</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >verage g</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >rowth rate based on seasonally adjusted quarterly annualised rate.</font></span></p></div><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >3</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >L</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >owest </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >yearly average</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > in Upside scenarios; 5-year average in Baseline; highest </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >yearly average</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > in Downside scenarios.</font></span></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:14.2pt;text-align:right;font-family:Calibri;font-size:7pt;' >4</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >Cumulative growth (trough to peak) in Upside scenarios; 5-year average i</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >n Baseline; cumulative fall (peak-to-trough) in Downside scenarios.</font></span></p><p style='line-height:20pt;' /><div><table style='border-collapse:collapse;' ><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:10pt;font-weight:bold;color:#00B0F0;' >Macroeconomic variables (5-year averages)</font><sup><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >1</font></sup></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' ></font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 2</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Upside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Baseline</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 1</font></td><td style='width:48pt;text-align:right;vertical-align:top;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >Downside 2</font></td></tr><tr style='height:12pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.20</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' > %</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.9</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.8</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.2</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.4)</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(5.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.1</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.8</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >8.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >10.9</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.1)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.6</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#EAEAEA;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.3</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 31.12.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.2</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(1.1)</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.6</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.5</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(3.7)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.6</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-bottom-style:solid;border-bottom-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;font-weight:bold;color:#00B0F0;' >As at 30.06.19</font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td><td style='width:48pt;border-bottom-style:solid;border-bottom-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' ></font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;border-top-style:solid;border-top-width:1;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK GDP</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.6</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.7</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.9</font></td><td style='width:48pt;border-top-style:solid;border-top-width:1;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:#808080;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.6)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.9</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.2</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.9</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(6.4)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >UK bank rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >0.8</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US GDP</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >1.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(0.5)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US unemployment</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >7.4</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US HPI</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >6.5</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >5.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >4.1</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.4</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >(2.6)</font></td></tr><tr style='height:12.75pt;' ><td style='width:242.25pt;text-align:left;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:242.25pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >US federal funds rate</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.3</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >2.7</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.0</font></td><td style='width:48pt;text-align:right;vertical-align:bottom;background-color:#FFFFFF;border-color:Black;min-width:48pt;' ><font style='font-family:Calibri;font-size:8pt;color:#000000;' >3.4</font></td></tr></table></div><p style='line-height:20pt;' /><div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >FHFA house price index</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >.</font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' > </font><font style='font-family:Calibri;font-size:7pt;font-style:italic;' >For GDP and HPI, numbers represent average of seasonally adjusted quarterly annualised rates. Forecast period based on 20 quarters from Q3 2020&#8221;.</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:7pt;font-style:italic;margin-left:0pt;' > </font></p></div> 0.203 0.224 0.254 0.175 0.144 0.101 0.231 0.408 0.227 0.033 0.327 0.264 0.054 0.016 0.012 0.035 0.036 0.049 0.096 0.109 0.453 0.272 0.023 -0.15 -0.334 0.001 0.001 0.002 0.003 0.002 0.042 0.029 0.016 0.002 -0.047 0.034 0.038 0.042 0.057 0.087 0.46 0.32 0.031 -0.082 -0.324 0.005 0.005 0.007 0.028 0.04 0.045 0.031 0.017 0.003 -0.041 0.034 0.039 0.043 0.057 0.088 0.464 0.326 0.032 -0.005 -0.321 0.008 0.008 0.01 0.025 0.04 0.089 0.072 0.054 0.052 0.028 0.04 0.043 0.049 0.062 0.072 0.078 0.05 0.023 -0.014 -0.055 0.004 0.003 0.002 0.001 0.001 0.032 0.024 0.016 0.008 -0.007 0.035 0.039 0.042 0.054 0.077 0.079 0.057 0.031 -0.011 -0.065 0.005 0.005 0.007 0.025 0.037 0.034 0.026 0.017 0.009 -0.006 0.037 0.04 0.043 0.051 0.079 0.079 0.058 0.032 0.009 -0.064 0.008 0.008 0.01 0.023 0.037 0.191 0.135 0.033 0.02 -0.031 0.041 0.044 0.063 0.154 0.187 0.323 0.209 0.023 -0.088 -0.197 0.003 0.003 0.003 0.004 0.004 0.042 0.033 0.019 0.004 -0.034 0.03 0.035 0.039 0.053 0.085 0.371 0.233 0.03 0.005 -0.198 0.015 0.015 0.017 0.03 0.035 0.048 0.037 0.021 0.004 -0.033 0.03 0.034 0.037 0.052 0.084 0.369 0.302 0.041 0 -0.174 0.023 0.023 0.027 0.03 0.035 0.037 0.03 0.021 0.011 -0.005 0.031 0.035 0.037 0.047 0.074 0.065 0.054 0.041 0.024 -0.026 0.023 0.023 0.027 0.03 0.034 0.035 0.028 0.019 0.01 -0.005 0.031 0.036 0.039 0.05 0.075 0.065 0.043 0.03 0.013 -0.037 0.016 0.017 0.017 0.029 0.034 0.059 0.044 0.033 0.027 0.018 0.044 0.051 0.063 0.084 0.109 0.058 0.039 0.023 -0.005 -0.031 0.006 0.005 0.003 0.003 0.003 The Barclays Bank Group uses a five-scenario model to calculate ECL. Absent the conditions surrounding the COVID-19 pandemic, a Baseline scenario is typically generated based on an external consensus forecast assembled from key sources, including HM Treasury (short and medium-term forecasts), Bloomberg (based on median of economic forecasts) and the Urban Land Institute (for US House Prices). In addition, two adverse scenarios (Downside 1 and Downside 2) and two favourable scenarios (Upside 1 and Upside 2) are derived, with associated probability weightings. The adverse scenarios are typically calibrated to a similar severity to internal stress tests, whilst also considering IFRS 9 specific sensitivities and non-linearity. Downside 2 is typically benchmarked to the Bank of England’s annual cyclical scenarios and to the most severe scenario from Moody’s inventory, but is not designed to be the same. The favourable scenarios are generally calibrated to be symmetric to the adverse scenarios, subject to a ceiling calibrated to relevant recent favourable benchmark scenarios. The scenarios include eight economic variables (GDP, unemployment, House Price Index (HPI) and base rates in both the UK and US markets), and expanded variables using statistical models based on historical correlations. The upside and downside shocks are designed to evolve over a five-year stress horizon, with all five scenarios converging to a steady state after approximately eight years. To calculate ECL a probability weight is assigned to each scenario. Following the onset of the COVID-19 pandemic, the Barclays Bank Group generated a Baseline scenario in March 2020 that reflected the most recent economic forecasts available in the market (combined with internal assumptions) and estimated impacts from significant support measures taken by Barclays, central banks and governments across the Barclays Bank Group’s key markets. This scenario assumed a strong contraction in GDP and a sharp rise in unemployment in 2020 across both the UK and US, and required a recalibration of probability weights. This scenario was superseded by a further revised Baseline scenario generated in June 2020, based broadly on the latest economic forecasts which recognise some the impacts from the various support measures still in place across the Barclays Bank Group’s key markets. Upside and downside scenarios were also regenerated in June 2020 (together with the revised Baseline scenario, the “COVID-19 Scenarios”). The downside scenarios reflect slower economic growth than the Baseline with social distancing measures continuing to drag GDP. Economic growth begins to recover later in 2020 in Downside 1 but only in 2021 in the Downside 2 scenario. The upside scenarios reflect a faster rebound in economic growth than the Baseline with a sharp decrease in infection rates and an almost fully reopened economy. Scenario weights were also revised in June 2020 with greater weight being applied to the tail scenarios (Upside 2 and Downside 2). This reflects the significant range of uncertainty in the economic environment compared to previous quarters given the conditions surrounding the COVID-19 pandemic. The economic environment remains uncertain and future impairment charges may be subject to further volatility (including from changes to macroeconomic variable forecasts) depending on the longevity of the COVID-19 pandemic and related containment measures, as well as the longer term effectiveness of central bank, government and other support measures. P8Y 0 0 -4000000 0 0 0 0 0 0 0 0 0 0 -3000000 -1000000 0 0 0 0 0 0 0 0 -4000000 0.151 0.151 6000000 6000000 <div><p style='text-align:justify;margin-top:0pt;margin-bottom:9pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:12pt;font-weight:bold;margin-left:0pt;color:#00B0F0;' >1</font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' >. </font><font style='font-family:Calibri;font-size:12pt;font-weight:bold;color:#00B0F0;' > Basis of preparation</font></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >These condensed consolidated interim financial statements for the six months ended 30 June 2020 have been prepared in accordance with the </font><font style='font-family:Calibri;font-size:9pt;' >Disclosure and Transparency Rules</font><font style='font-family:Calibri;font-size:9pt;' > (DTR) of the </font><font style='font-family:Calibri;font-size:9pt;' >Financial Conduct Authority</font><font style='font-family:Calibri;font-size:9pt;' > UK (FCA)</font><font style='font-family:Calibri;font-size:9pt;' > and with IAS 34, Interim Financial Reporting, as published by the International Accounting Standards Board (IASB) and adopted by the EU. The condensed consolidated interim financial statements </font><font style='font-family:Calibri;font-size:9pt;' >should be read</font><font style='font-family:Calibri;font-size:9pt;' > in conjunction with the annual financial statem</font><font style='font-family:Calibri;font-size:9pt;' >ents for the year ended 31 December 2019, which have been prepared in accordance with IFRSs as published by the IASB and as adopted by the EU. </font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The accounting policies and methods of computation used in these condensed consolidated interim financial state</font><font style='font-family:Calibri;font-size:9pt;' >ments are the same as those used in the </font><font style='font-family:Calibri;font-size:9pt;' >Barclays Bank PLC</font><font style='font-family:Calibri;font-size:9pt;' > </font><font style='font-family:Calibri;font-size:9pt;' >Annual Report </font><font style='font-family:Calibri;font-size:9pt;' >2019.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:18pt;text-align:right;font-family:Calibri;font-size:9pt;' >1.</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >Going concern</font></span></p><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The financial statements are prepared on a going concern basis, as the Directors are satisfied that the</font><font style='font-family:Calibri;font-size:9pt;' > Barclays Bank</font><font style='font-family:Calibri;font-size:9pt;' > Group and parent company have the reso</font><font style='font-family:Calibri;font-size:9pt;' >urces to continue in business for the foreseeable future. In making this assessment, the Directors have considered a wide range of information relating to present and future conditions, including future projection</font><font style='font-family:Calibri;font-size:9pt;' >s of profitability, </font><font style='font-family:Calibri;font-size:9pt;' >capital requirements an</font><font style='font-family:Calibri;font-size:9pt;' >d</font><font style='font-family:Calibri;font-size:9pt;' > capital resources.</font></p><p style='text-align:justify;line-height:12pt;' ></p><p style='display:flex;margin-left:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt;' ><span style='min-width:18pt;text-align:right;font-family:Calibri;font-size:9pt;' >2.</span><span style='text-indent:5pt;margin-left:5pt;' ><font style='font-family:Calibri;font-size:9pt;font-weight:bold;' >Other disclosures</font></span></p></div><p style='text-align:justify;margin-top:0pt;margin-bottom:0pt;line-height:12pt;' ><font style='font-family:Calibri;font-size:9pt;margin-left:0pt;' >The Credit risk disclosures on pages 8 to 15 </font><font style='font-family:Calibri;font-size:9pt;' > form part of these interim financial statements.</font></p><p style='text-align:justify;line-height:12pt;' ></p> 197000000 0 0 0 0 146000000 0 0 3000000 0 0 -12000000 0 -1000000 0 22000000 14000000 157000000 0 0 12000000 198000000

Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures and gains on acquisitions

Derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets were £ 7,747 m and derivative financial liabilities were £ 8,932 m.

Derivative financial instruments are presented on a net basis. On a gross basis, derivative financial assets were £ 5,701 m and derivative financial liabilities were £ 4,799 m.

T he geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated

Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.

Reported net of tax

Other financial assets subject to impairment ex cluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross exposure of £ 187.1 bn (December 2019: £ 125.5 bn) and impairment allowance of £ 168 m (December 2019: £ 22 m). This compri ses £ 33 m (December 2019: £ 10 m) ECL on £ 181.7 bn (December 2019: £ 124.7 bn) Stage 1 assets, £ 20 m ( December 201 9 : £ 2 m) on £ 5.3 bn (December 2019: £ 0.8 bn) Stage 2 fair value through other comprehensive income assets and £ 115 m (December 2019: £ 10 m) on £ 115 m (December 2019: £ 10 m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of £ 593 m (December 2019: £ 252 m).

In H1 2020 , gross write-offs amounted to £ 643 m ( H1 201 9 : £ 627 m) and post write-off recoveries amounted to £ 1 m ( H1 2019 : £ 47 m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £ 642m ( H1 201 9 : £ 580 m).

Other financial assets subject to impairment excluded in the table s above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1 bn (De cember 201 9 : £1 25.5 bn) and impairment allow ance of £168m (December 2019: £22 m). This comprises £ 33m ECL (December 2019: £10m) on £181.7 bn Stage 1 assets (December 201 9 : £1 24.7bn), £20 m (December 201 9: £2m) on £5.3 bn Stage 2 fair value through other compreh ensive income assets, cash collateral and settle ment assets (December 2019: £0.8bn) and £115 m (Dece mber 2019: £10m) on £115 m Stage 3 other assets (December 201 9: £10m)

3 Transfe rs to Barclays Group reported within Credit cards, unsecured loans and other retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period

Recoveries and reimbursements includes a net gain in relation to reimbursements from guarantee contracts held with third parties of £ 279 m and post write off recoveries of £ 1 m.

4 Includes foreign exchange and interest and fees in suspense

Other includes commercial real estate loans, fund and fund-linked products , asset backed loans, issued debt, commercial paper, government sponsored debt and investment propert y.

EX-101.SCH 6 c070-20200630.xsd XBRL TAXONOMY EXTENSION SCHEMA 000010 - Document - Cover link:presentationLink link:definitionLink link:calculationLink 000300 - Statement - Condensed consolidated balance sheet (unaudited) link:presentationLink link:definitionLink link:calculationLink 000200 - Statement - Condensed consolidated statement of comprehensive income (unaudited) link:presentationLink link:definitionLink link:calculationLink 000500 - Statement - Condensed consolidated cash flow statement (unaudited) link:presentationLink link:definitionLink link:calculationLink 000400 - Statement - Condensed consolidated statement of changes in equity (unaudited) link:presentationLink link:definitionLink link:calculationLink 000100 - Statement - Condensed consolidated Income Statement (unaudited) link:presentationLink link:definitionLink link:calculationLink 010201 - Disclosure - Segmental reporting link:presentationLink link:definitionLink link:calculationLink 010301 - Disclosure - Net fee and commission income link:presentationLink link:definitionLink link:calculationLink 030301 - Disclosure - Net fee and commission income (Tables) link:presentationLink link:definitionLink link:calculationLink 040301 - Disclosure - Net fee and commission income (Details) link:presentationLink link:definitionLink link:calculationLink 010401 - Disclosure - Tax link:presentationLink link:definitionLink link:calculationLink 010601 - Disclosure - Dividends on ordinary shares link:presentationLink link:definitionLink link:calculationLink 010701 - Disclosure - Fair value of financial instruments link:presentationLink link:definitionLink link:calculationLink 030701 - Disclosure - Fair value of financial instruments (Tables) link:presentationLink link:definitionLink link:calculationLink 040701 - Disclosure - Fair value of financial instruments - Assets and liabilities held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification (Details) link:presentationLink link:definitionLink link:calculationLink 040705 - Disclosure - Fair value of financial instruments - Level 3 assets and liabilities held at fair value disaggregated by product type (Details) link:presentationLink link:definitionLink link:calculationLink 040710 - Disclosure - Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Details) link:presentationLink link:definitionLink link:calculationLink 040715 - Disclosure - Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 040720 - Disclosure - Fair value of financial instruments - Unrealised gains and losses recognised in the period on Level 3 assets and liabilities held at period end (Details) link:presentationLink link:definitionLink link:calculationLink 040725 - Disclosure - Fair value of financial instruments - Sensitivity analysis of valuations using unobservable inputs (Details) link:presentationLink link:definitionLink link:calculationLink 040730 - Disclosure - Fair value of financial instruments - Fair value adjustments (Details) link:presentationLink link:definitionLink link:calculationLink 040735 - Disclosure - Fair value of financial instruments - Comparison of carrying amounts and fair values for assets and liabilities not held at fair value (Details) link:presentationLink link:definitionLink link:calculationLink 030201 - Disclosure - Segmental reporting (Tables) link:presentationLink link:definitionLink link:calculationLink 040202 - Disclosure - Segmental reporting - Split of income by geographic region (Details) link:presentationLink link:definitionLink link:calculationLink 011001 - Disclosure - Retirement benefits link:presentationLink link:definitionLink link:calculationLink 011601 - Disclosure - Related party transactions link:presentationLink link:definitionLink link:calculationLink 041601 - Disclosure - Related party transactions - Amounts included in the Barclays Bank Group's financial statements with other Barclays Group companies (Details) link:presentationLink link:definitionLink link:calculationLink 040750 - Disclosure - Fair value of financial instruments (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 010901 - Disclosure - Provisions link:presentationLink link:definitionLink link:calculationLink 030901 - Disclosure - Provisions (Tables) link:presentationLink link:definitionLink link:calculationLink 040901 - Disclosure - Provisions - Total Provisions (Details) link:presentationLink link:definitionLink link:calculationLink 011401 - Disclosure - Contingent liabilities and commitments link:presentationLink link:definitionLink link:calculationLink 031401 - Disclosure - Contingent liabilities and commitments (Tables) link:presentationLink link:definitionLink link:calculationLink 041401 - Disclosure - Contingent liabilities and commitments (Details) link:presentationLink link:definitionLink link:calculationLink 011501 - Disclosure - Legal, competition and regulatory matters link:presentationLink link:definitionLink link:calculationLink 041501 - Disclosure - Legal, competition and regulatory matters (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 010801 - Disclosure - Subordinated liabilities link:presentationLink link:definitionLink link:calculationLink 040801 - Disclosure - Subordinated liabilities (Details) link:presentationLink link:definitionLink link:calculationLink 011201 - Disclosure - Other equity instruments link:presentationLink link:definitionLink link:calculationLink 011301 - Disclosure - Other reserves link:presentationLink link:definitionLink link:calculationLink 031301 - Disclosure - Other reserves (Tables) link:presentationLink link:definitionLink link:calculationLink 041301 - Disclosure - Other reserves (Details) link:presentationLink link:definitionLink link:calculationLink 011701 - Disclosure - Barclays Bank PLC parent condensed balance sheet link:presentationLink link:definitionLink link:calculationLink 041005 - Disclosure - Retirement benefits - UKRF funding valuations (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 011101 - Disclosure - Called up share capital link:presentationLink link:definitionLink link:calculationLink 041305 - Disclosure - Other reserves (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 010101 - Disclosure - Basis of preparation link:presentationLink link:definitionLink link:calculationLink 030601 - Disclosure - Dividends on ordinary shares (Tables) link:presentationLink link:definitionLink link:calculationLink 031701 - Disclosure - Barclays Bank PLC parent condensed balance sheet (Tables) link:presentationLink link:definitionLink link:calculationLink 040601 - Disclosure - Dividends on ordinary shares (Details) link:presentationLink link:definitionLink link:calculationLink 041001 - Disclosure - Retirement benefits (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 041201 - Disclosure - Other equity instruments (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 030401 - Disclosure - Tax (Tables) link:presentationLink link:definitionLink link:calculationLink 030801 - Disclosure - Subordinated Liabilities (Tables) link:presentationLink link:definitionLink link:calculationLink 041701 - Disclosure - Barclays Bank PLC parent condensed balance sheet (Details) link:presentationLink link:definitionLink link:calculationLink 040201 - Disclosure - Segmental reporting - Analysis of results by business (Details) link:presentationLink link:definitionLink link:calculationLink 041101 - Disclosure - Called up share capital (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 040805 - Disclosure - Subordinated liabilities (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 031601 - Disclosure - Related party transactions (Tables) link:presentationLink link:definitionLink link:calculationLink 040302 - Disclosure - Net fee and commission income (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 040420 - Disclosure - Tax - Deferred tax assets and liabilities (Details) link:presentationLink link:definitionLink link:calculationLink 041705 - Disclosure - Barclays Bank PLC parent condensed balance sheet (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 011801 - Disclosure - Other disclosures - Credit Risk link:presentationLink link:definitionLink link:calculationLink 031801 - Disclosure - Other disclosures - Credit Risk (Tables) link:presentationLink link:definitionLink link:calculationLink 041805 - Disclosure - Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Details) link:presentationLink link:definitionLink link:calculationLink 041810 - Disclosure - Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 041815 - Disclosure - Other disclosures - Credit Risk - Movement in gross exposure for loans and advances at amortised cost (Details) link:presentationLink link:definitionLink link:calculationLink 041820 - Disclosure - Other disclosures - Credit Risk - Movement in impairment allowance on loans and advances at amortised cost (Details) link:presentationLink link:definitionLink link:calculationLink 041825 - Disclosure - Other disclosures - Credit Risk - Movement in gross exposure for loan commitment and financial guarantees (Details) link:presentationLink link:definitionLink link:calculationLink 041830 - Disclosure - Other disclosures - Credit Risk - Movement in provision on loan commitments and financial guarantees (Details) link:presentationLink link:definitionLink link:calculationLink 040200 - Disclosure - Segmental reporting (Narrative) (Details) link:presentationLink link:definitionLink link:calculationLink 041821 - Disclosure - Other disclosures - Credit Risk - Movement in loans and advances at amortised cost (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 041840 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty - Baseline average macroeconomic variables used in the calculation of ECL (Details) link:presentationLink link:calculationLink link:definitionLink 041850 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty - Scenario probability weighting (Details) link:presentationLink link:calculationLink link:definitionLink 041860 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty - Macroeconomic variables (specific bases and 5-year averages) (Details) link:presentationLink link:calculationLink link:definitionLink 041835 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink 040415 - Disclosure - Tax (Narrative) (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 7 c070-20200630_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE EX-101.DEF 8 c070-20200630_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE EX-101.LAB 9 c070-20200630_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE EX-101.PRE 10 c070-20200630_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 11 R1.htm IDEA: XBRL DOCUMENT v3.20.2
Cover
 6 Months Ended
Jun. 30, 2020
Cover [Abstract]  
Document Type 6-K
Amendment Flag false
Document Fiscal Year Focus 2020
Document Fiscal Period Focus Q2
Document Period End Date Jun. 30, 2020
Entity Registrant Name BARCLAYS BANK PLC
Entity Central Index Key 0000312070
Current Fiscal Year End Date --12-31
XML 12 R2.htm IDEA: XBRL DOCUMENT v3.20.2
Condensed consolidated Income Statement (unaudited) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Income statement    
Interest and similar income £ 3,173 £ 3,938
Interest and similar expense (1,502) (2,117)
Net interest income 1,671 1,821
Fee and commission income 3,818 3,790
Fee and commission expenses (939) (961)
Net fee and commission income 2,879 2,829
Net trading income 4,225 2,093
Net investment income (146) 337
Other income 8 42
Total income [1] 8,637 7,122
Credit impairment charges (2,674) (510)
Net operating income 5,963 6,612
Staff costs (2,191) (2,354)
Infrastructure, administration and general expenses (2,357) (2,488)
Litigation and conduct (19) (68)
Operating expenses (4,567) (4,910)
Share of post-tax results of associates and joint ventures 126 10
Profit on disposal of subsidiaries, associates and joint ventures 1 13
Profit/(loss) before tax 1,523 1,725
Tax charge (230) (260)
Profit after tax 1,293 1,465
Attributable to:    
Equity holders of the parent 960 1,171
Other equity instrument holders 333 294
Profit after tax £ 1,293 £ 1,465
[1]

T he geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated

XML 13 R3.htm IDEA: XBRL DOCUMENT v3.20.2
Condensed consolidated statement of comprehensive income (unaudited) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Statement of comprehensive income [abstract]    
Profit after tax £ 1,293 £ 1,465
Other comprehensive income/(loss) that may be recycled to profit or loss from continuing operations:    
Currency translation reserve [1] 1,386 232
Fair value through other comprehensive income reserve [1] 137 359
Cash flow hedging reserve [1] 1,065 612
Other [1] (6) 0
Other comprehensive income/(loss) that may be recycled to profit or loss from continuing operations [1] 2,582 1,203
Other comprehensive income/(loss) not recycled to profit or loss from continuing operations:    
Retirement benefit remeasurements [1] 645 (140)
Own credit [1] 496 44
Other comprehensive loss not recycled to profit or loss from continuing operations 1,141 (96)
Other comprehensive income/(loss) for the period 3,723 1,107
Total comprehensive income for the period £ 5,016 £ 2,572
[1]

Reported net of tax

XML 14 R4.htm IDEA: XBRL DOCUMENT v3.20.2
Condensed consolidated balance sheet (unaudited) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Jun. 30, 2019
Dec. 31, 2018
Assets        
Cash and balances at central banks £ 155,792 £ 125,940    
Cash collateral and settlement balances 130,873 79,486    
Loans and advances at amortised cost 150,203 141,636    
Reverse repurchase agreements and other similar secured lending 19,811 1,731    
Trading portfolio assets 109,461 113,337    
Financial assets at fair value through the income statement 155,540 129,470    
Derivative financial instruments 307,650 229,641    
Financial assets at fair value through other comprehensive income 55,161 45,406    
Investments in associates and joint ventures 30 295    
Goodwill and intangible assets 1,250 1,212    
Property, plant and equipment 1,654 1,631    
Current tax assets 984 898    
Deferred tax assets 2,639 2,460    
Retirement benefit assets 2,848 2,108    
Other assets 2,062 1,421    
Total Assets 1,095,958 876,672    
Liabilities        
Deposits at amortised cost 245,737 213,881    
Cash collateral and settlement balances 113,341 67,682    
Repurchase agreements and other similar secured borrowing 4,033 2,032    
Debt securities in issue 50,496 33,536    
Subordinated liabilities 36,965 33,425   £ 35,327
Trading portfolio liabilities 50,378 35,212    
Financial liabilities designated at fair value 222,142 204,446    
Derivative financial instruments 307,989 228,940    
Current tax liabilities 310 320    
Deferred tax liabilities 1,084 80    
Retirement benefit liabilities 319 313    
Other liabilities 5,385 5,239    
Provisions 1,085 951    
Total liabilities 1,039,264 826,057    
Equity        
Called up share capital and share premium 2,348 2,348    
Other equity instruments 8,323 8,323    
Other reserves 6,319 3,235    
Retained earnings 39,704 36,709    
Total equity 56,694 50,615 £ 52,610 £ 47,711
Total liabilities and equity £ 1,095,958 £ 876,672    
XML 15 R5.htm IDEA: XBRL DOCUMENT v3.20.2
Condensed consolidated statement of changes in equity (unaudited) - GBP (£)
Total
Total equity excluding non-controlling interests [member]
Called up share capital and share premium [member]
Other equity instruments [member]
Other reserves [member]
Retained earnings [member]
Non-controlling interests [member]
Beginning Balance, equity at Dec. 31, 2018 £ 47,711,000,000 £ 47,709,000,000 £ 2,348,000,000 £ 7,595,000,000 £ 3,361,000,000 £ 34,405,000,000 £ 2,000,000
Profit after tax 1,465,000,000 1,465,000,000 0 294,000,000 0 1,171,000,000 0
Currency translation movements 232,000,000 [1] 232,000,000 0 0 232,000,000 0 0
Fair value through other comprehensive income reserve 359,000,000 359,000,000 0 0 359,000,000 0 0
Cash flow hedges 612,000,000 [1] 612,000,000 0 0 612,000,000 0 0
Retirement benefit remeasurements (140,000,000) [1] (140,000,000) 0 0 0 (140,000,000) 0
Own credit 44,000,000 [1] 44,000,000 0 0 44,000,000 0 0
Other [1] 0            
Total comprehensive income for the period 2,572,000,000 2,572,000,000 0 294,000,000 1,247,000,000 1,031,000,000 0
Issue and/or exchange of other equity instruments 1,796,000,000 1,796,000,000 0 1,807,000,000 0 (11,000,000) 0
Other equity instruments coupons paid (294,000,000) (294,000,000) 0 (294,000,000) 0 0 0
Equity settled share schemes 198,000,000 198,000,000 0 0 0 198,000,000 0
Vesting of Barclays PLC shares under equity settled share schemes (340,000,000) (340,000,000) 0 0 0 (340,000,000) 0
Dividends paid   0          
Dividends paid - preference shares   (27,000,000)          
Dividends paid (27,000,000) (27,000,000) 0 0 0 (27,000,000) 0
Capital contribution from Barclays PLC 995,000,000 995,000,000 0 0 0 995,000,000 0
Other movements (1,000,000) 1,000,000 0 0 0 1,000,000 (2,000,000)
Ending Balance, equity at Jun. 30, 2019 52,610,000,000 £ 52,610,000,000 2,348,000,000 9,402,000,000 4,608,000,000 36,252,000,000 £ 0
Profit after tax 1,315,000,000   0 366,000,000 0 949  
Currency translation movements (776,000,000)   0 0 (776,000,000) 0  
Fair value through other comprehensive income reserve (200,000,000)   0 0 (200,000,000) 0  
Cash flow hedges (101,000,000)   0 0 (101,000,000) 0  
Retirement benefit remeasurements (54,000,000)   0 0 0 (54)  
Own credit (296,000,000)   0 0 (296,000,000) 0  
Other 16,000,000   0 0 0 16,000,000  
Total comprehensive income for the period (96,000,000)   0 366,000,000 (1,373,000,000) 911,000,000  
Issue and/or exchange of other equity instruments (1,474,000,000)   0 (1,079,000,000) 0 (395,000,000)  
Other equity instruments coupons paid (366,000,000)   0 (366,000,000) 0 0  
Equity settled share schemes 194,000,000   0 0 0 194,000,000  
Vesting of Barclays PLC shares under equity settled share schemes (9,000,000)   0 0 0 (9,000,000)  
Dividends paid (233,000,000)   0 0 0 (233,000,000)  
Dividends paid - preference shares (14,000,000)   0 0 0 (14,000,000)  
Other movements 3,000,000   0 0 0 3,000,000  
Ending Balance, equity at Dec. 31, 2019 50,615,000,000   2,348,000,000 8,323,000,000 3,235,000,000 36,709,000,000  
Profit after tax 1,293,000,000   0 333,000,000 0 960,000,000  
Currency translation movements 1,386,000,000 [1]   0 0 1,386,000,000 0  
Fair value through other comprehensive income reserve 137,000,000   0 0 137,000,000 0  
Cash flow hedges 1,065,000,000 [1]   0 0 1,065,000,000 0  
Retirement benefit remeasurements 645,000,000 [1]   0 0 0 645,000,000  
Own credit 496,000,000 [1]   0 0 496,000,000 0  
Other (6,000,000) [1]   0 0 0 (6,000,000)  
Total comprehensive income for the period 5,016,000,000   0 333,000,000 3,084,000,000 1,599,000,000  
Other equity instruments coupons paid (333,000,000)   0 (333,000,000) 0 0  
Equity settled share schemes 475,000,000   0 0 0 475,000,000  
Vesting of Barclays PLC shares under equity settled share schemes (289,000,000)   0 0 0 (289,000,000)  
Dividends paid (263,000,000)   0 0 0 (263,000,000)  
Dividends paid - preference shares (28,000,000)   0 0 0 (28,000,000)  
Dividends paid (291,000,000)            
Capital contribution from Barclays PLC 1,500,000,000   0 0 0 1,500,000,000  
Other movements 1,000,000   0 0 0 1,000,000  
Ending Balance, equity at Jun. 30, 2020 £ 56,694,000,000   £ 2,348,000,000 £ 8,323,000,000 £ 6,319,000,000 £ 39,704,000,000  
[1]

Reported net of tax

XML 16 R6.htm IDEA: XBRL DOCUMENT v3.20.2
Condensed consolidated cash flow statement (unaudited) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Reconciliation of profit before tax to net cash flows from operating activities:    
Profit (loss) before tax £ 1,523 £ 1,725
Adjustments for non-cash items 301 314
Net increase in loans and advances at amortised cost (11,096) (6,368)
Net increase in deposits at amortised cost 32,357 15,553
Net increase in debt securities in issue 16,960 3,188
Changes in other operating assets and liabilities 4,825 (16,727)
Corporate income tax paid (270) (260)
Net cash from operating activities 44,600 (2,575)
Net cash from investing activities (7,022) (9,094)
Net cash from financing activities 653 2,552
Effect of exchange rates on cash and cash equivalents 7,813 652
Net increase/(decrease )in cash and cash equivalents 46,044 (8,465)
Cash and cash equivalents at beginning of the period 156,016 167,357
Cash and cash equivalents at end of the period £ 202,060 £ 158,892
XML 17 R7.htm IDEA: XBRL DOCUMENT v3.20.2
Basis of preparation
 6 Months Ended
Jun. 30, 2020
1. Basis of preparation  
Basis of preparation

1. Basis of preparation

These condensed consolidated interim financial statements for the six months ended 30 June 2020 have been prepared in accordance with the Disclosure and Transparency Rules (DTR) of the Financial Conduct Authority UK (FCA) and with IAS 34, Interim Financial Reporting, as published by the International Accounting Standards Board (IASB) and adopted by the EU. The condensed consolidated interim financial statements should be read in conjunction with the annual financial statements for the year ended 31 December 2019, which have been prepared in accordance with IFRSs as published by the IASB and as adopted by the EU.

The accounting policies and methods of computation used in these condensed consolidated interim financial statements are the same as those used in the Barclays Bank PLC Annual Report 2019.

1.Going concern

The financial statements are prepared on a going concern basis, as the Directors are satisfied that the Barclays Bank Group and parent company have the resources to continue in business for the foreseeable future. In making this assessment, the Directors have considered a wide range of information relating to present and future conditions, including future projections of profitability, capital requirements and capital resources.

2.Other disclosures

The Credit risk disclosures on pages 8 to 15 form part of these interim financial statements.
XML 18 R8.htm IDEA: XBRL DOCUMENT v3.20.2
Segmental reporting
 6 Months Ended
Jun. 30, 2020
2. Segmental Reporting  
Segmental Reporting

2. Segmental reporting

Analysis of results by business
Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeBarclays Bank Group
Half year ended 30.06.20£m£m£m£m
Total income6,9731,742(78)8,637
Credit impairment charges(1,320)(1,299)(55)(2,674)
Net operating income/(expenses)5,653443(133)5,963
Operating expenses(3,458)(1,053)(37)(4,548)
Litigation and conduct(4)(8)(7)(19)
Total operating expenses(3,462)(1,061)(44)(4,567)
Other net income/(expenses)112115-127
Profit/(loss) before tax2,203(503)(177)1,523
As at 30.06.20£bn£bn£bn£bn
Total assets1,017.166.012.91,096.0

Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeBarclays Bank Group
Half year ended 30.06.19£m£m£m£m
Total income5,1492,193(220)7,122
Credit impairment charges(96)(396)(18)(510)
Net operating income/(expenses)5,0531,797(238)6,612
Operating expenses(3,589)(1,207)(45)(4,841)
Litigation and conduct(26)(4)(39)(69)
Total operating expenses(3,615)(1,211)(84)(4,910)
Other net income/(expenses)11516(8)23
Profit/(loss) before tax1,453602(330)1,725
As at 31.12.19£bn£bn£bn£bn
Total assets799.665.711.4876.7

1Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures and gains on acquisitions.

Split of income by geographic region1
Half year endedHalf year ended
30.06.2030.06.19
£m£m
UK2,8352,089
Europe1,240783
Americas3,8723,680
Africa and Middle East2341
Asia667529
Total 8,6377,122

The geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated.
XML 19 R9.htm IDEA: XBRL DOCUMENT v3.20.2
Net fee and commission income
 6 Months Ended
Jun. 30, 2020
3. Net fee and commission income  
Net fee and commission income

3. Net fee and commission income

Fee and commission income is disaggregated below and includes a total for fees in scope of IFRS 15, Revenue from Contracts with Customers:

Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeTotal
Half year ended 30.06.20£m£m£m£m
Fee type
Transactional 177968-1,145
Advisory26046-306
Brokerage and execution65431-685
Underwriting and syndication1,468--1,468
Other3510019154
Total revenue from contracts with customers2,5941,145193,758
Other non-contract fee income573-60
Fee and commission income2,6511,148193,818
Fee and commission expense(441)(497)(1)(939)
Net fee and commission income2,210651182,879

Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeTotal
Half year ended 30.06.19£m£m£m£m
Fee type
Transactional 1851,168-1,353
Advisory36441-405
Brokerage and execution51224-536
Underwriting and syndication1,240--1,240
Other6212416202
Total revenue from contracts with customers2,3631,357163,736
Other non-contract fee income54--54
Fee and commission income2,4171,357163,790
Fee and commission expense(350)(611)-(961)
Net fee and commission income2,067746162,829

Transactional fees are service charges on deposit accounts, cash management services and transactional processing fees. This includes interchange and merchant fee income generated from credit and bank card usage.

Advisory fees are generated from asset management services and advisory services related to mergers, acquisitions and financial restructuring.

Brokerage and execution fees are earned for executing client transactions with exchanges and over-the-counter markets and assisting clients in clearing transactions.

Underwriting and syndication fees are earned for the distribution of client equity or debt securities, and the arrangement and administration of a loan syndication. This includes commitment fees to provide loan financing.
XML 20 R10.htm IDEA: XBRL DOCUMENT v3.20.2
Tax
 6 Months Ended
Jun. 30, 2020
4. Tax  
Tax

4. Tax

The tax charge for H120 was £230m (H119: £260m), representing an effective tax rate of 15.1% (H119: 15.1%).

As atAs at
30.06.2031.12.19
Deferred tax assets and liabilities£m£m
USA2,1682,052
Other territories 471408
Deferred tax assets2,6392,460
Deferred tax liabilities - UK(1,084)(80)
Analysis of deferred tax assets
Temporary differences2,1841,937
Tax losses455523
Deferred tax assets2,6392,460
XML 21 R11.htm IDEA: XBRL DOCUMENT v3.20.2
Dividends on ordinary shares
 6 Months Ended
Jun. 30, 2020
5. Dividends on ordinary shares  
Dividends on ordinary shares

5. Dividends on ordinary shares

Half year ended 30.06.20Half year ended 30.06.19
Dividends paid during the period£m £m
Ordinary shares263-
Preference shares2827
Total29127

A dividend of £263m was paid on 25 March 2020 by Barclays Bank PLC to its parent Barclays PLC. This was prior to the announcement made by the PRA on 31 March 2020 that capital be preserved for use in serving Barclays customers and clients through the extraordinary challenges presented by the COVID-19 pandemic. As part of a response to this announcement, Barclays PLC took steps to provide additional capital to Barclays Bank PLC as part of the £1.5bn of capital contributions made during H120.
XML 22 R12.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments
 6 Months Ended
Jun. 30, 2020
6. Fair value of financial instruments  
Fair value of financial instruments

6. Fair value of financial instruments

This section should be read in conjunction with Note 16, Fair value of financial instruments of the Barclays Bank PLC Annual Report 2019 and Note 1, Basis of preparation on page 25, which provides more detail about accounting policies adopted, valuation methodologies used in calculating fair value and the valuation control framework which governs oversight of valuations. There have been no changes in the accounting policies adopted or the valuation methodologies used.

Valuation

The following table shows Barclays Bank Group’s assets and liabilities that are held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification:

Valuation technique using
Quoted market pricesObservable inputsSignificant unobservable inputs
(Level 1)(Level 2)(Level 3)Total
As at 30.06.20£m£m£m£m
Trading portfolio assets49,10657,2773,078109,461
Financial assets at fair value through the income statement1,824148,8944,822155,540
Derivative financial instruments8,761291,1427,747307,650
Financial assets at fair value through other comprehensive income13,17241,64234755,161
Investment property--1010
Total assets72,863538,95516,004627,822
Trading portfolio liabilities(31,333)(19,045)-(50,378)
Financial liabilities designated at fair value(123)(221,664)(355)(222,142)
Derivative financial instruments(8,445)(290,612)(8,932)(307,989)
Total liabilities(39,901)(531,321)(9,287)(580,509)
As at 31.12.19
Trading portfolio assets59,96851,1052,264113,337
Financial assets at fair value through the income statement10,300115,0084,162129,470
Derivative financial instruments5,439221,0483,154229,641
Financial assets at fair value through other comprehensive income11,57733,40042945,406
Investment property--1313
Total assets87,284420,56110,022517,867
Trading portfolio liabilities(19,645)(15,567)-(35,212)
Financial liabilities designated at fair value(82)(204,021)(343)(204,446)
Derivative financial instruments(5,305)(219,646)(3,989)(228,940)
Total liabilities(25,032)(439,234)(4,332)(468,598)

The following table shows Barclays Bank Group’s Level 3 assets and liabilities that are held at fair value disaggregated by product type:

As at 30.06.20As at 31.12.19
Assets LiabilitiesAssets Liabilities
£m£m£m£m
Interest rate derivatives 4,152(3,772)605(812)
Foreign exchange derivatives 655(588)291(298)
Credit derivatives193(456)539(342)
Equity derivatives 2,730(4,099)1,710(2,528)
Commodity derivatives 17(17)9(9)
Corporate debt 516-521-
Reverse repurchase and repurchase agreements -(176)-(167)
Non-asset backed loans 4,827-3,280-
Asset backed securities 740-756-
Equity cash products 1,145-1,228-
Private equity investments126-112-
Other1903(179)971(176)
Total16,004(9,287)10,022(4,332)

1Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.

Assets and liabilities reclassified between Level 1 and Level 2

During the period, there were no material transfers between Level 1 and Level 2 (period ended December 2019: no material transfers between Level 1 and Level 2).

Level 3 movement analysis

The following table summarises the movements in the balances of Level 3 assets and liabilities during the period. The table shows gains and losses and includes amounts for all financial assets and liabilities that are held at fair value transferred to and from Level 3 during the period. Transfers have been reflected as if they had taken place at the beginning of the year.

Asset and liability moves between Level 2 and Level 3 are primarily due to i) an increase or decrease in observable market activity related to an input or ii) a change in the significance of the unobservable input, with assets and liabilities classified as Level 3 if an unobservable input is deemed significant.

Level 3 movement analysis
PurchasesSalesIssuesSettle- mentsTotal gains and losses in the period recognised in the income statementTotal gains or losses recognised in OCITransfers As at 30.06.20
As at 01.01.20Trading incomeOther incomeInOut
£m£m£m£m£m£m£m£m£m£m£m
Corporate debt120 25 - - - (26) - - 4 (17)106
Non-asset backed loans974 1,927 (740) - (4)(111) - - 97 (320)1,823
Asset backed securities656 249 (224) - (76)(12) - - 41 (11)623
Equity cash products392 2 (4) - - (67) - - 28 (4)347
Other122 47 - - - 2 - - 8 - 179
Trading portfolio assets2,264 2,250 (968) - (80)(214) - - 178 (352)3,078
Non-asset backed loans1,964 1,050 (270) - (112)110 - - - - 2,742
Equity cash products835 14 - - - (22)(29) - - - 798
Private equity investments113 1 (2) - - 2 4 - 20 (12)126
Other1,250 1,865 (2,017) - (13)(8)55 - 24 - 1,156
Financial assets at fair value through the income statement4,162 2,930 (2,289) - (125)82 30 - 44 (12)4,822
Non-asset backed loans343 79 - - (157) - - (3) - - 262
Asset backed securities86 - (1) - - 1 - (1) - - 85
Financial assets at fair value through other comprehensive income429 79 (1) - (157)1 - (4) - - 347
Investment property13 - (1) - - - (2) - 2 (2)10
Trading portfolio liabilities - - - - - - - - - - -
Issued debt(146) - - (3) - - - - (22)14 (157)
Other(197) - - - - (12)(1) - - 12 (198)
Financial liabilitiesdesignated at fair value(343) - - (3) - (12)(1) - (22)26 (355)
Interest rate derivatives(206)17 - - 10 268 1 - 300 (10)380
Foreign exchange derivatives(7) - - - (12)89 - - 5 (8)67
Credit derivatives198 (258)11 - (376)151 1 - 2 8 (263)
Equity derivatives(820)(447)(1) - 17 (90) - - (5)(23)(1,369)
Commodity derivatives - - - - - - - - - - -
Net derivative financial instruments1(835)(688)10 - (361)418 2 - 302 (33)(1,185)
Total5,690 4,571 (3,249)(3)(723)275 29 (4)504 (373)6,717

Derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets were £7,747m and derivative financial liabilities were £8,932m.

Level 3 movement analysis
PurchasesSalesIssuesSettle-mentsTotal gains and losses in the period recognised in the income statementTransfers As at 30.06.19
As at 01.01.19Trading incomeOther incomeInOut
£m£m£m£m£m£m£m£m£m£m
Government and government sponsored debt14 2 - - - - - - (14)2
Corporate debt388 70 (24) - (31)14 - 32 (74)375
Non-asset backed loans2,263 1,235 (1,260) - (19)12 - 19 (90)2,160
Asset backed securities664 81 (127) - - 5 - 16 (29)610
Equity cash products136 48 (13) - - (2) - 116 (20)265
Other148 - - - (1)(10) - - (1)136
Trading portfolio assets3,613 1,436 (1,424) - (51)19 - 183 (228)3,548
Non-asset backed loans1,836 2 - - (132)70 - - (1)1,775
Equity cash products559 9 - - (10)4 178 - - 740
Private equity investments191 4 (3) - (1) - (6) - - 185
Other2,064 2,334 (2,619) - (2)17 9 24 (840)987
Financial assets at fair value through the income statement4,650 2,349 (2,622) - (145)91 181 24 (841)3,687
Non-asset backed loans353 48 - - (55) - - - (218)128
Asset backed securities - 40 - - - - - - - 40
Equity cash products2 - - - - - - - - 2
Financial assets at fair value through other comprehensive income355 88 - - (55) - - - (218)170
Investment property9 - - - - - (1) - - 8
Trading portfolio liabilities(3) - - - - 2 - (5) - (6)
-
Certificates of deposit, commercial paper and other money market instruments(10) - - - 1 - (1)(11) - (21)
Issued debt(251) - - (16)1 5 - (3)1 (263)
Financial liabilities designated at fair value(261) - - (16)2 5 (1)(14)1 (284)
Interest rate derivatives22 (3) - - 76 116 - (107)145 249
Foreign exchange derivatives7 - - - (12)(41) - (51)17 (80)
Credit derivatives1,050 (63)4 - (3)86 - 2 3 1,079
Equity derivatives(607)(122)(5) - 23 89 - (16)292 (346)
Commodity derivatives - - - - - - - - - -
Net derivative financial instruments1472 (188)(1) - 84 250 - (172)457 902
Total8,835 3,685 (4,047)(16)(165)367 179 16 (829)8,025

Derivative financial instruments are presented on a net basis. On a gross basis, derivative financial assets were £5,701m and derivative financial liabilities were £4,799m.

Unrealised gains and losses on Level 3 financial assets and liabilities

The following table discloses the unrealised gains and losses recognised in the period arising on Level 3 financial assets and liabilities held at the period end.

Half year ended 30.06.20Half year ended 30.06.19
Income statementOther compre-hensive incomeTotalIncome statementOther compre-hensive incomeTotal
Trading incomeOther incomeTrading incomeOther income
£m£m£m£m£m£m£m£m
Trading portfolio assets(177)--(177)21--21
Financial assets at fair value through the income statement126(24)-10275178-253
Financial assets at fair value through other comprehensive income--(2)(2)----
Investment properties-(2)-(2)-(1)-(1)
Trading portfolio liabilities----2--2
Financial liabilities designated at fair value(16)(1)-(17)6--6
Net derivative financial instruments 248--248212--212
Total181(27)(2)152316177-493

Valuation techniques and sensitivity analysis

Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity methodologies applied take account of the nature of valuation techniques used, as well as the availability and reliability of observable proxy and historical data and the impact of using alternative models.

Sensitivity analysis of valuations using unobservable inputs
As at 30.06.20As at 31.12.19
Favourable changesUnfavourable changesFavourable changesUnfavourable changes
Income statementEquityIncome StatementEquityIncome statementEquityIncome StatementEquity
£m£m£m£m£m£m£m£m
Interest rate derivatives138-(256)-44-(127)-
Foreign exchange derivatives7-(11)-5-(7)-
Credit derivatives127-(109)-73-(47)-
Equity derivatives151-(158)-114-(119)-
Commodity derivatives--------
Corporate debt23-(23)11-(16)-
Non-asset backed loans1594(322)(4)1258(228)(8)
Equity cash products164-(206)-123-(175)-
Private equity investments18-(19)-16-(25)-
Other12-(2)-1-(1)-
Total7894(1,106)(4)5128(745)(8)

Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.

The effect of stressing unobservable inputs to a range of reasonably possible alternatives, alongside considering the impact of using alternative models, would be to increase fair values by up to £793m (December 2019: £520m) or to decrease fair values by up to £1,110m (December 2019: £753m) with substantially all the potential effect impacting profit and loss rather than reserves.

Significant unobservable inputs

The valuation techniques and significant unobservable inputs for assets and liabilities recognised at fair value and classified as Level 3 are consistent with Note 16, Fair value of financial instruments in the Barclays Bank PLC Annual Report 2019. The description of the significant unobservable inputs and the sensitivity of fair value measurement of the instruments categorised as Level 3 assets or liabilities to increases in significant unobservable inputs is also found in Note 16, Fair value of financial instruments of the Barclays Bank PLC Annual Report 2019.

Fair value adjustments

Key balance sheet valuation adjustments are quantified below:

As atAs at
30.06.2031.12.19
£m£m
Exit price adjustments derived from market bid-offer spreads(564)(420)
Uncollateralised derivative funding(181)(57)
Derivative credit valuation adjustments(378)(135)
Derivative debit valuation adjustments148155

Exit price adjustments derived from market bid-offer spreads increased by £144m to £564m as a result of movements in market bid offer spreads.

Uncollateralised derivative funding increased by £124m to £181m as a result of widening input funding spreads and an update to methodology.

Derivative credit valuation adjustments increased by £243m to £378m as a result of widening input counterparty credit spreads.

Derivative debit valuation adjustments decreased by £7m to £148m as a result of widening input Barclays Bank PLC credit spreads and an update to methodology.

Portfolio exemption

Barclays Bank Group uses the portfolio exemption in IFRS 13, Fair Value Measurement to measure the fair value of groups of financial assets and liabilities. Instruments are measured using the price that would be received to sell a net long position (i.e. an asset) for a particular risk exposure or to transfer a net short position (i.e. a liability) for a particular risk exposure in an orderly transaction between market participants at the balance sheet date under current market conditions. Accordingly, the Barclays Bank Group measures the fair value of the group of financial assets and liabilities consistently with how market participants would price the net risk exposure at the measurement date.

Unrecognised gains as a result of the use of valuation models using unobservable inputs

The amount that has yet to be recognised in income that relates to the difference between the transaction price (the fair value at initial recognition) and the amount that would have arisen had valuation models using unobservable inputs been used on initial recognition, less amounts subsequently recognised, is £101m (December 2019: £100m) for financial instruments measured at fair value and £31m (December 2019: £31m) for financial instruments carried at amortised cost. There are additions of £11m (December 2019: £40m) and amortisation and releases of £10m (December 2019: £67m) for financial instruments measured at fair value and additions of £1m (December 2019: £2m) and amortisation and releases of £1m (December 2019: £2m) for financial instruments carried at amortised cost.

Third party credit enhancements

Structured and brokered certificates of deposit issued by Barclays Bank Group are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC) in the United States. The FDIC is funded by premiums that the Barclays Bank Group and other banks pay for deposit insurance coverage. The carrying value of these issued certificates of deposit that are designated under the IFRS 9 fair value option includes this third party credit enhancement. The on-balance sheet value of these brokered certificates of deposit amounted to £3,162m (December 2019: £3,218m).

Comparison of carrying amounts and fair values for assets and liabilities not held at fair value

Valuation methodologies employed in calculating the fair value of financial assets and liabilities measured at amortised cost are consistent with the Barclays Bank PLC Annual Report on Form 20-F 2019 disclosure.

The following table summarises the fair value of financial assets and liabilities measured at amortised cost on the Barclays Bank Group’s balance sheet:

As at 30.06.20As at 31.12.19
Carrying amountFair valueCarrying amountFair value
Financial assets£m£m£m£m
Loans and advances at amortised cost150,203149,511141,636141,251
Reverse repurchase agreements and other similar secured lending19,81119,8111,7311,731
Financial liabilities
Deposits at amortised cost(245,737)(245,758)(213,881)(213,897)
Repurchase agreements and other similar secured borrowing(4,033)(4,033)(2,032)(2,032)
Debt securities in issue(50,496)(50,568)(33,536)(33,529)
Subordinated liabilities(36,965)(37,675)(33,425)(34,861)
XML 23 R13.htm IDEA: XBRL DOCUMENT v3.20.2
Subordinated liabilities
 6 Months Ended
Jun. 30, 2020
7. Subordinated liabilities  
Subordinated liabilities
7. Subordinated liabilities
Half year endedYear ended
30.06.2031.12.19
£m £m
Opening balance as at 1 January33,42535,327
Issuances3,1626,785
Redemptions(2,814)(7,804)
Other3,192(883)
Closing balance36,96533,425

Issuances of £3,162m comprises £3,082m intra-group loans from Barclays PLC as well as £80m USD Floating Rate Notes issued externally by a Barclays Bank PLC subsidiary.

Redemptions of £2,814m comprises £2,518m intra-group loans from Barclays PLC as well as £266m USD Floating Rate Notes and £30m USD Fixed Rate Notes issued externally by Barclays Bank PLC subsidiaries.

Other movements predominantly include foreign exchange and fair value hedge adjustments.
XML 24 R14.htm IDEA: XBRL DOCUMENT v3.20.2
Provisions
 6 Months Ended
Jun. 30, 2020
8. Provisions  
Provisions
8. Provisions
As atAs at
30.06.2031.12.19
£m£m
Customer redress2771
Legal, competition and regulatory matters250374
Redundancy and restructuring3463
Undrawn contractually committed facilities and guarantees593252
Onerous contracts920
Sundry provisions172171
Total1,085951
XML 25 R15.htm IDEA: XBRL DOCUMENT v3.20.2
Retirement benefits
 6 Months Ended
Jun. 30, 2020
9. Retirement benefits  
Retirement benefits

9. Retirement benefits

As at 30 June 2020, Barclays Bank Group’s IAS 19 pension surplus across all schemes was £2.5bn (December 2019: £1.8bn). The UK Retirement Fund (UKRF), which is the Group’s main scheme, had an IAS 19 pension surplus of £2.8bn (December 2019: £2.1bn). The movement for the UKRF was driven by higher than assumed asset returns and lower than expected long-term price inflation, partially offset by a decrease in the discount rate.

UKRF funding valuations

The last triennial actuarial valuation of the UKRF had an effective date of 30 September 2019 and was completed in February 2020. This valuation showed a funding deficit of £2.3bn and a funding level of 94.0%. A revised deficit recovery plan was agreed with deficit reduction contributions required from Barclays Bank PLC of £500m in 2019, £500m in 2020, £700m in 2021, £294m in 2022 and £286m in 2023. The deficit reduction contributions are in addition to the regular contributions to meet the Group’s share of the cost of benefits accruing over each year.

On 12 June 2020, Barclays Bank PLC paid the £500m deficit reduction contribution agreed for 2020 and at the same time the UKRF subscribed for non-transferrable listed senior fixed rate notes for £750m, backed by UK gilts (the Senior Notes). These Senior Notes entitle the UKRF to semi-annual coupon payments for five years, and full repayment in cash in three equal tranches in 2023, 2024, and at final maturity in 2025. The Senior Notes were issued by Heron Issuer Number 2 Limited (Heron 2), an entity that is consolidated within the Barclays Bank Group under IFRS 10. As a result of the investment in Senior Notes, the regulatory capital impact of the £500m deficit reduction contribution paid on 12 June 2020 takes effect in 2023, 2024 and 2025 on maturity of the notes. The £250m additional investment by the UKRF in the Senior Notes has a positive capital impact in 2020 which is reduced equally in 2023, 2024 and 2025 on the maturity of the notes. Heron 2 acquired a total of £750m of gilts from Barclays Bank PLC for cash to support payments on the Senior Notes.

The next triennial actuarial valuation of the UKRF is due to be completed in 2023 with an effective date of 30 September 2022.
XML 26 R16.htm IDEA: XBRL DOCUMENT v3.20.2
Called up share capital
 6 Months Ended
Jun. 30, 2020
10. Called up share capital  
Called up share capital

10. Called up share capital

Ordinary shares

As at 30 June 2020 the issued ordinary share capital of Barclays Bank PLC comprised 2,342m (December 2019: 2,342m) ordinary shares of £1 each.

Preference shares

As at 30 June 2020 the issued preference share capital of Barclays Bank PLC of £6m (December 2019: £6m) comprised 1,000 Sterling Preference Shares of £1 each (December 2019: 1,000); 31,856 Euro Preference Shares of €100 each (December 2019: 31,856); and 58,133 US Dollar Preference shares of $100 each (December 2019: 58,133).

There were no issuances or redemptions of ordinary or preference shares in the six months to 30 June 2020.
XML 27 R17.htm IDEA: XBRL DOCUMENT v3.20.2
Other equity instruments
 6 Months Ended
Jun. 30, 2020
11. Other equity instruments  
Other equity instruments

11. Other equity instruments

Other equity instruments of £8,323m (December 2019: £8,323m) are AT1 securities issued to Barclays PLC. Barclays PLC uses funds from the market issuance to purchase AT1 securities from Barclays Bank PLC. There have been no issuances or redemptions in the period.

The AT1 securities are perpetual securities with no fixed maturity and are structured to qualify as AT1 instruments under prevailing capital rules applicable as at the relevant issue date. AT1 securities are undated and are redeemable, at the option of Barclays Bank PLC, in whole at the initial call date, or on any fifth anniversary after the initial call date. In addition, the AT1 securities are redeemable, at the option of Barclays Bank PLC, in whole in the event of certain changes in the tax or regulatory treatment of the securities. Any redemptions require the prior consent of the PRA.
XML 28 R18.htm IDEA: XBRL DOCUMENT v3.20.2
Other reserves
 6 Months Ended
Jun. 30, 2020
12. Other reserves  
Other reserves
12. Other reserves
As atAs at
30.06.2031.12.19
£m£m
Currency translation reserve4,7693,383
Fair value through other comprehensive income reserve(2)(139)
Cash flow hedging reserve1,453388
Own credit reserve123(373)
Other reserves (24)(24)
Total6,3193,235

Currency translation reserve

The currency translation reserve represents the cumulative gains and losses on the retranslation of Barclays Bank Group’s net investment in foreign operations, net of the effects of hedging.

As at 30 June 2020, there was a credit balance of £4,769m (December 2019: £3,383m credit) in the currency translation reserve. The £1,386m credit movement principally reflected the strengthening of period end USD exchange rate against GBP.

Fair value through other comprehensive income reserve

The fair value through other comprehensive income reserve represents the unrealised change in the fair value through other comprehensive income investments since initial recognition.

As at 30 June 2020, there was a debit balance of £2m (December 2019: £139m debit) in the fair value through other comprehensive income reserve. The gain of £137m is principally driven by a £277m gain from the increase in fair value of bonds due to decreasing bond yields. This is partially offset by £114m of net gains transferred to the income statement and a tax charge of £42m.

Cash flow hedging reserve

The cash flow hedging reserve represents the cumulative gains and losses on effective cash flow hedging instruments that will be recycled to the income statement when the hedged transactions affect profit or loss.

As at 30 June 2020, there was a credit balance of £1,453m (December 2019: £388m credit) in the cash flow hedging reserve. The increase of £1,065m principally reflects a £1,587m increase in the fair value of interest rate swaps held for hedging purpose as major interest rate forward curves decreased. This is partially offset by £117m of gains transferred to the income statement and a tax charge of £408m

Own credit reserve

The own credit reserve reflects the cumulative own credit gains and losses on financial liabilities at fair value. Amounts in the own credit reserve are not recycled to profit or loss in future periods.

As at 30 June 2020, there was a credit balance of £123m (December 2019: £373m debit) in the own credit reserve. The movement of £496m principally reflects a £845m gain from the widening of Barclays funding spreads. This is partially offset by other activity of £209m and a tax charge of £144m.

Other reserves

As at 30 June 2020, there was a debit balance of £24m (December 2019: £24m debit) in other reserves relating to redeemed ordinary and preference shares issued by Barclays Bank Group.
XML 29 R19.htm IDEA: XBRL DOCUMENT v3.20.2
Contingent liabilities and commitments
 6 Months Ended
Jun. 30, 2020
13. Contingent liabilities and commitments  
Contingent liabilities and commitments

13. Contingent liabilities and commitments

As atAs at
30.06.2031.12.19
Contingent liabilities£m£m
Guarantees and letters of credit pledged as collateral security15,82517,006
Performance guarantees, acceptances and endorsements6,5896,771
Total22,41423,777
Commitments
Documentary credits and other short-term trade related transactions1,1621,291
Standby facilities, credit lines and other commitments264,376268,736
Total265,538270,027

In addition to the above, Note 14, Legal, competition and regulatory matters details out further contingent liabilities where it is not practicable to disclose an estimate of the potential financial effect on Barclays Bank Group.
XML 30 R20.htm IDEA: XBRL DOCUMENT v3.20.2
Legal, competition and regulatory matters
 6 Months Ended
Jun. 30, 2020
14. Legal, competition and regulatory matters  
Legal, competition and regulatory matters

14. Legal, competition and regulatory matters

Barclays Bank Group face legal, competition and regulatory challenges, many of which are beyond our control. The extent of the impact of these matters cannot always be predicted but may materially impact our operations, financial results, condition and prospects. Matters arising from a set of similar circumstances can give rise to either a contingent liability or a provision, or both, depending on the relevant facts and circumstances.

The recognition of provisions in relation to such matters involves critical accounting estimates and judgments in accordance with the relevant accounting policies as described in Note 8, Provisions. We have not disclosed an estimate of the potential financial impact or effect on the Barclays Bank Group of contingent liabilities where it is not currently practicable to do so. Various matters detailed in this note seek damages of an unspecified amount. While certain matters specify the damages claimed, such claimed amounts do not necessarily reflect the Barclays Bank Group’s potential financial exposure in respect of those matters.

Investigations into certain advisory services agreements and other matters and civil action

FCA proceedings

In 2008, Barclays Bank PLC and Qatar Holdings LLC entered into two advisory service agreements (the Agreements). The Financial Conduct Authority (FCA) conducted an investigation into whether the Agreements may have related to Barclays PLC’s capital raisings in June and November 2008 (the Capital Raisings) and therefore should have been disclosed in the announcements or public documents relating to the Capital Raisings. In 2013, the FCA issued warning notices (the Notices) finding that Barclays PLC and Barclays Bank PLC acted recklessly and in breach of certain disclosure-related listing rules, and that Barclays PLC was also in breach of Listing Principle 3. The financial penalty provided in the Notices is £50m. Barclays PLC and Barclays Bank PLC continue to contest the findings. Following the conclusion of the Serious Fraud Office (SFO) proceedings against certain former Barclays executives resulting in their acquittals, the FCA proceedings, which were stayed, have resumed. All charges brought by the SFO against Barclays PLC and Barclays Bank PLC in relation to the Agreements were dismissed in 2018.

Civil action

PCP Capital Partners LLP and PCP International Finance Limited (PCP) are seeking damages of approximately £1.6bn from Barclays Bank PLC for fraudulent misrepresentation and deceit, arising from alleged statements made by Barclays Bank PLC to PCP in relation to the terms on which securities were to be issued to potential investors, allegedly including PCP, in the November 2008 capital raising. Barclays Bank PLC is defending the claim and trial commenced in June 2020.

Investigations into LIBOR and other benchmarks and related civil actions

Regulators and law enforcement agencies, including certain competition authorities, from a number of governments have conducted investigations relating to Barclays Bank PLC’s involvement in allegedly manipulating certain financial benchmarks, such as LIBOR. The SFO has closed its investigation with no action to be taken against the Barclays Group. Various individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Barclays Group and other banks in relation to the alleged manipulation of LIBOR and/or other benchmarks. Certain actions remain pending.

USD LIBOR civil actions

The majority of the USD LIBOR cases, which have been filed in various US jurisdictions, have been consolidated for pre-trial purposes in the US District Court in the Southern District of New York (SDNY). The complaints are substantially similar and allege, among other things, that Barclays PLC, Barclays Bank PLC, Barclays Capital Inc. (BCI) and other financial institutions individually and collectively violated provisions of the US Sherman Antitrust Act (Antitrust Act), the US Commodity Exchange Act (CEA), the US Racketeer Influenced and Corrupt Organizations Act (RICO), the Securities Exchange Act of 1934 and various state laws by manipulating USD LIBOR rates.

Putative class actions and individual actions seek unspecified damages with the exception of three lawsuits, in which the plaintiffs are seeking a combined total of approximately $900m in actual damages and additional punitive damages against all defendants, including Barclays Bank PLC. Some of the lawsuits also seek trebling of damages under the Antitrust Act and RICO. Barclays has previously settled certain claims. Two of the class action settlements where Barclays has paid $20m and $7.1m, respectively, remain subject to final court approval and/or the right of class members to opt out of the settlement to file their own claims.

Sterling LIBOR civil actions

In 2016, two putative class actions filed in the SDNY against Barclays Bank PLC, BCI and other Sterling LIBOR panel banks alleging, among other things, that the defendants manipulated the Sterling LIBOR rate in violation of the Antitrust Act, CEA and RICO, were consolidated. The defendants’ motion to dismiss the claims was granted in December 2018. The plaintiffs have appealed the dismissal.

Japanese Yen LIBOR civil actions

In 2012, a putative class action was filed in the SDNY against Barclays Bank PLC and other Japanese Yen LIBOR panel banks by a lead plaintiff involved in exchange-traded derivatives and members of the Japanese Bankers Association’s Euroyen Tokyo Interbank Offered Rate (Euroyen TIBOR) panel. The complaint alleges, among other things, manipulation of the Euroyen TIBOR and Yen LIBOR rates and breaches of the CEA and the Antitrust Act. In 2014, the court dismissed the plaintiff’s antitrust claims in full, but the plaintiff’s CEA claims remain pending.

In 2015, a second putative class action, making similar allegations to the above class action, was filed in the SDNY against Barclays PLC, Barclays Bank PLC and BCI. In 2017, this action was dismissed in full and the plaintiffs appealed the dismissal. The appellate court reversed the dismissal and the matter has been remanded to the lower court.

SIBOR/SOR civil action

In 2016, a putative class action was filed in the SDNY against Barclays PLC, Barclays Bank PLC, BCI and other defendants, alleging manipulation of the Singapore Interbank Offered Rate (SIBOR) and Singapore Swap Offer Rate (SOR). In October 2018, the court dismissed all claims against Barclays PLC, Barclays Bank PLC and BCI. The plaintiffs have appealed the dismissal.

ICE LIBOR civil actions

In 2019, several putative class actions have been filed in the SDNY against Barclays PLC, Barclays Bank PLC, BCI, other financial institution defendants and Intercontinental Exchange Inc. and certain of its affiliates (ICE), asserting antitrust claims that defendants manipulated USD LIBOR through defendants’ submissions to ICE. These actions have been consolidated. The defendants’ motion to dismiss was granted in March 2020. The plaintiffs have appealed the dismissal.

Non-US benchmarks civil actions

Legal proceedings (which include the claims referred to below in ‘Local authority civil actions concerning LIBOR’) have been brought or threatened against Barclays Bank PLC (and, in certain cases, Barclays Bank UK PLC) in the UK in connection with alleged manipulation of LIBOR, EURIBOR and other benchmarks. Proceedings have also been brought in a number of other jurisdictions in Europe and Israel. Additional proceedings in other jurisdictions may be brought in the future.

Foreign Exchange investigations and related civil actions

In 2015, the Barclays Group reached settlements totalling approximately $2.38bn with various US federal and state authorities and the FCA in relation to investigations into certain sales and trading practices in the Foreign Exchange market. Under the related plea agreement with the US Department of Justice (DoJ), which received final court approval in January 2017, the Barclays Group agreed to a term of probation of three years, which expired in January 2020. The Barclays Group also continues to provide relevant information to certain authorities.

The European Commission is one of a number of authorities still conducting an investigation into certain trading practices in Foreign Exchange markets. The European Commission announced two settlements in May 2019 and the Barclays Group paid penalties totalling approximately €210m. In June 2019, the Swiss Competition Commission announced two settlements and the Barclays Group paid penalties totalling approximately CHF 27m. The financial impact of the ongoing matters is not expected to be material to the Barclays Bank Group’s operating results, cash flows or financial position.

A number of individuals and corporates in a range of jurisdictions have also threatened or brought civil actions against the Barclays Group and other banks in relation to alleged manipulation of Foreign Exchange markets, and may do so in the future. Certain actions remain pending.

FX opt out civil action

In 2018, Barclays Bank PLC and BCI settled a consolidated action filed in the SDNY, alleging manipulation of Foreign Exchange markets (Consolidated FX Action), for a total amount of $384m. Also in 2018, a group of plaintiffs who opted out of the Consolidated FX Action filed a complaint in the SDNY against Barclays PLC, Barclays Bank PLC, BCI and other defendants. Some of the plaintiff’s claims were dismissed in May 2020.

Retail basis civil action

In 2015, a putative class action was filed against several international banks, including Barclays PLC and BCI, on behalf of a proposed class of individuals who exchanged currencies on a retail basis at bank branches (Retail Basis Claims). The SDNY has ruled that the Retail Basis Claims are not covered by the settlement agreement in the Consolidated FX Action. The Court subsequently dismissed all Retail Basis Claims against the Barclays Group and all other defendants. The plaintiffs have filed an amended complaint.

State law FX civil action

In 2017, the SDNY dismissed consolidated putative class actions brought under federal and various state laws on behalf of proposed classes of (i) stockholders of Exchange Traded Funds and others who purportedly were indirect investors in FX instruments, and (ii) investors who traded FX instruments through FX dealers or brokers not alleged to have manipulated Foreign Exchange Rates. Barclays Bank PLC and BCI have settled the claim, which is subject to court approval.

Non-US FX civil actions

In addition to the actions described above, legal proceedings have been brought or are threatened against Barclays PLC, Barclays Bank PLC, BCI and Barclays Execution Services Limited (BX) in connection with alleged manipulation of Foreign Exchange in the UK, a number of other jurisdictions in Europe, Israel and Australia and additional proceedings may be brought in the future.

Metals investigations and related civil actions

Barclays Bank PLC previously provided information to the DoJ, the US Commodity Futures Trading Commission and other authorities in connection with investigations into metals and metals-based financial instruments.

A number of US civil complaints, each on behalf of a proposed class of plaintiffs, have been consolidated and transferred to the SDNY. The complaints allege that Barclays Bank PLC and other members of The London Gold Market Fixing Ltd. manipulated the prices of gold and gold derivative contracts in violation of US antitrust and other federal laws. This consolidated putative class action remains pending. A separate US civil complaint by a proposed class of plaintiffs against a number of banks, including Barclays Bank PLC, BCI and BX, alleging manipulation of the price of silver in violation of the CEA, the Antitrust Act and state antitrust and consumer protection laws, has been dismissed as against the Barclays entities. The plaintiffs have the option to seek the court’s permission to appeal.

Civil actions have also been filed in Canadian courts against Barclays PLC, Barclays Bank PLC, Barclays Capital Canada Inc. and BCI on behalf of proposed classes of plaintiffs alleging manipulation of gold and silver prices.

US residential mortgage related civil actions

There are various pending civil actions relating to US Residential Mortgage-Backed Securities (RMBS), including four actions arising from unresolved repurchase requests submitted by Trustees for certain RMBS, alleging breaches of various loan-level representations and warranties (R&Ws) made by Barclays Bank PLC and/or a subsidiary acquired in 2007 (the Acquired Subsidiary). The unresolved repurchase requests received as at 31 December 2019 had an original unpaid principal balance of approximately $2.1bn. The Trustees have also alleged that the relevant R&Ws may have been breached with respect to a greater (but unspecified) amount of loans than previously stated in the unresolved repurchase requests.

These repurchase actions are ongoing. In one repurchase action, the New York Court of Appeals held that claims related to certain R&Ws are time-barred. Barclays Bank PLC has reached a settlement to resolve two of the repurchase actions, which is subject to final court approval. The financial impact of the settlement is not expected to be material to the Barclays Bank Group’s operating results, cash flows or financial position. The remaining two repurchase actions are pending.

Government and agency securities civil actions and related matters

Certain governmental authorities are conducting investigations into activities relating to the trading of certain government and agency securities in various markets. The Barclays Group provided information in cooperation with such investigations. Civil actions have also been filed on the basis of similar allegations, as described below.

Treasury auction securities civil actions

Consolidated putative class action complaints filed in US federal court against Barclays Bank PLC, BCI and other financial institutions under the Antitrust Act and state common law allege that the defendants (i) conspired to manipulate the US Treasury securities market and/or (ii) conspired to prevent the creation of certain platforms by boycotting or threatening to boycott such trading platforms. The defendants have filed a motion to dismiss.

In addition, certain plaintiffs have filed a related, direct action against BCI and certain other financial institutions, alleging that defendants conspired to fix and manipulate the US Treasury securities market in violation of the Antitrust Act, the CEA and state common law.

Supranational, Sovereign and Agency bonds civil actions

Civil antitrust actions have been filed in the SDNY and Federal Court of Canada in Toronto against Barclays Bank PLC, BCI, BX, Barclays Capital Securities Limited and, with respect to the civil action filed in Canada only, Barclays Capital Canada, Inc. and other financial institutions alleging that the defendants conspired to fix prices and restrain competition in the market for US dollar-denominated Supranational, Sovereign and Agency bonds.

In one of the actions filed in the SDNY, the court granted the defendants’ motion to dismiss the plaintiffs’ complaint, which the plaintiffs have appealed. The plaintiffs have voluntarily dismissed the other SDNY action.

Variable Rate Demand Obligations civil actions

Civil actions have been filed against Barclays Bank PLC and BCI and other financial institutions alleging the defendants conspired or colluded to artificially inflate interest rates set for Variable Rate Demand Obligations (VRDOs). VRDOs are municipal bonds with interest rates that reset on a periodic basis, most commonly weekly. Two actions in state court have been filed by private plaintiffs on behalf of the states of Illinois and California. Two putative class action complaints, which have been consolidated, have been filed in the SDNY.

Government bond civil actions

In a putative class action filed in the SDNY in 2019, plaintiffs alleged that BCI and certain other bond dealers conspired to fix the prices of US government sponsored entity bonds in violation of US antitrust law. BCI agreed to a settlement of $87m, which received final court approval in June 2020. Separately, various entities in Louisiana, including the Louisiana Attorney General and the City of Baton Rouge, have filed complaints against Barclays Bank PLC and other financial institutions making similar allegations as the class action plaintiffs.

In 2018, a separate putative class action against various financial institutions including Barclays PLC, Barclays Bank PLC, BCI, Barclays Bank Mexico, S.A., and certain other subsidiaries of the Barclays Bank Group was consolidated in the SDNY. The plaintiffs asserted antitrust and state law claims arising out of an alleged conspiracy to fix the prices of Mexican Government bonds. Barclays PLC has settled the claim for $5.7m, which is subject to court approval.

BDC Finance L.L.C.

In 2008, BDC Finance L.L.C. (BDC) filed a complaint in the NY Supreme Court, demanding damages of $298m, alleging that Barclays Bank PLC had breached a contract in connection with a portfolio of total return swaps governed by an ISDA Master Agreement (collectively, the Agreement). Following a trial on certain liability issues, the court ruled in December 2018 that Barclays Bank PLC was not a defaulting party, which was affirmed on appeal. Barclays Bank PLC’s counterclaim against BDC remains pending.

In 2011, BDC’s investment advisor, BDCM Fund Adviser, L.L.C. and its parent company, Black Diamond Capital Holdings, L.L.C. also sued Barclays Bank PLC and BCI in Connecticut State Court for unspecified damages allegedly resulting from Barclays Bank PLC’s conduct relating to the Agreement, asserting claims for violation of the Connecticut Unfair Trade Practices Act and tortious interference with business and prospective business relations. This case is currently stayed.

Civil actions in respect of the US Anti-Terrorism Act

There are a number of civil actions, on behalf of more than 4,000 plaintiffs, filed in US federal courts in the US District Court in the Eastern District of New York (EDNY) and SDNY against Barclays Bank PLC and a number of other banks. The complaints generally allege that Barclays Bank PLC and those banks engaged in a conspiracy to facilitate US dollar-denominated transactions for the Government of Iran and various Iranian banks, which in turn funded acts of terrorism that injured or killed plaintiffs or plaintiffs’ family members. The plaintiffs seek to recover damages for pain, suffering and mental anguish under the provisions of the US Anti-Terrorism Act, which allow for the trebling of any proven damages.

The court granted the defendants’ motion to dismiss three actions in the EDNY. Plaintiffs have appealed in one action. The court also granted the defendants’ motion to dismiss another action in the SDNY. The remaining actions are stayed pending decisions in these cases.

Interest rate swap and credit default swap US civil actions

Barclays PLC, Barclays Bank PLC and BCI, together with other financial institutions that act as market makers for interest rate swaps (IRS) are named as defendants in several antitrust class actions which were consolidated in the SDNY in 2016. The complaints allege the defendants conspired to prevent the development of exchanges for IRS and demand unspecified money damages.

In 2018, trueEX LLC filed an antitrust class action in the SDNY against a number of financial institutions including Barclays PLC, Barclays Bank PLC and BCI based on similar allegations with respect to trueEX LLC’s development of an IRS platform. In 2017, Tera Group Inc. filed a separate civil antitrust action in the SDNY claiming that certain conduct alleged in the IRS cases also caused the plaintiff to suffer harm with respect to the Credit Default Swaps market. In November 2018 and July 2019, respectively, the court dismissed certain claims in both cases for unjust enrichment and tortious interference but denied motions to dismiss the federal and state antitrust claims, which remain pending.

Odd-lot corporate bonds antitrust class action

In 2020, BCI, together with other financial institutions, were named as defendants in a putative class action. The complaint alleges a conspiracy to boycott developing electronic trading platforms for odd-lots and price fixing. Plaintiffs demand unspecified money damages.

Investigation into collections and recoveries relating to unsecured lending

Since February 2018, the FCA has been investigating whether the Barclays Group implemented effective systems and controls with respect to collections and recoveries and whether it paid due consideration to the interests of customers in default and arrears. The FCA investigation is at an advanced stage.

HM Revenue & Customs (HMRC) assessments concerning UK Value Added Tax

In 2018, HMRC issued notices that have the effect of removing certain overseas subsidiaries that have operations in the UK from Barclays’ UK VAT group, in which group supplies between members are generally free from VAT. The notices have retrospective effect and correspond to assessments of £181m (inclusive of interest), of which Barclays would expect to attribute an amount of approximately £128m to Barclays Bank UK PLC and £53m to Barclays Bank PLC. HMRC’s decision has been appealed to the First Tier Tribunal (Tax Chamber).

Local authority civil actions concerning LIBOR

Following settlement by Barclays Bank PLC of various governmental investigations concerning certain benchmark interest rate submissions referred to above in ‘Investigations into LIBOR and other benchmarks and related civil actions’, in the UK, certain local authorities have brought claims against Barclays Bank PLC (and, in certain cases, Barclays Bank UK PLC) asserting that they entered into loans in reliance on misrepresentations made by Barclays Bank PLC in respect of its conduct in relation to LIBOR. Barclays has applied to strike out the claims.

General

The Barclays Bank Group is engaged in various other legal, competition and regulatory matters in the UK, the US and a number of other overseas jurisdictions. It is subject to legal proceedings brought by and against the Barclays Bank Group which arise in the ordinary course of business from time to time, including (but not limited to) disputes in relation to contracts, securities, debt collection, consumer credit, fraud, trusts, client assets, competition, data management and protection, money laundering, financial crime, employment, environmental and other statutory and common law issues.

The Barclays Bank Group is also subject to enquiries and examinations, requests for information, audits, investigations and legal and other proceedings by regulators, governmental and other public bodies in connection with (but not limited to) consumer protection measures, compliance with legislation and regulation, wholesale trading activity and other areas of banking and business activities in which the Barclays Bank Group is or has been engaged. The Barclays Bank Group is cooperating with the relevant authorities and keeping all relevant agencies briefed as appropriate in relation to these matters and others described in this note on an ongoing basis.

At the present time, Barclays Bank PLC does not expect the ultimate resolution of any of these other matters to have a material adverse effect on its financial position. However, in light of the uncertainties involved in such matters and the matters specifically described in this note, there can be no assurance that the outcome of a particular matter or matters (including formerly active matters or those matters arising after the date of this note) will not be material to Barclays Bank PLC’s results, operations or cash flow for a particular period, depending on, among other things, the amount of the loss resulting from the matter(s) and the amount of profit otherwise reported for the reporting period.
XML 31 R21.htm IDEA: XBRL DOCUMENT v3.20.2
Related party transactions
 6 Months Ended
Jun. 30, 2020
15. Related party transactions  
Related party transactions

15. Related party transactions

Related party transactions in the half year ended 30 June 2020 were similar in nature to those disclosed in the Barclays Bank PLC Annual Report on Form 20-F 2019.

Amounts included in the Barclays Bank Group’s financial statements with other Barclays Group companies are as follows:

Half year ended 30.06.20Half year ended 30.06.19
ParentFellow subsidiariesParentFellow subsidiaries
£m£m£m£m
Total income(346)31(275)32
Operating expenses(34)(1,443)(46)(1,546)
As at 30.06.20As at 31.12.19
ParentFellow subsidiariesParentFellow subsidiaries
£m£m£m£m
Total assets5,7931,9522,0972,165
Total liabilities27,2622,53124,8761,600

Except for the above, no related party transactions that have taken place in the half year ended 30 June 2020 have materially affected the financial position or performance of the Barclays Bank Group during this period.
XML 32 R22.htm IDEA: XBRL DOCUMENT v3.20.2
Barclays Bank PLC parent condensed balance sheet
 6 Months Ended
Jun. 30, 2020
16. Barclays Bank PLC parent condensed balance sheet  
Barclays Bank PLC parent condensed balance sheet

16. Barclays Bank PLC parent condensed balance sheet

As atAs at
30.06.2031.12.19
Assets£m£m
Cash and balances at central banks 128,461112,287
Cash collateral and settlement balances115,39175,822
Loans and advances at amortised cost186,606161,663
Reverse repurchase agreements and other similar secured lending 22,9264,939
Trading portfolio assets 73,64679,079
Financial assets at fair value through the income statement187,575162,500
Derivative financial instruments304,807229,338
Financial assets at fair value through other comprehensive income53,47543,760
Investment in associates and joint ventures16119
Investment in subsidiaries16,65316,105
Goodwill and intangible assets 114115
Property, plant and equipment419426
Current tax assets 1,045946
Deferred tax assets1,2031,115
Retirement benefit assets2,7972,062
Other assets1,234845
Total assets1,096,368891,121
Liabilities
Deposits at amortised cost268,286240,631
Cash collateral and settlement balances 94,74459,448
Repurchase agreements and other similar secured borrowing 9,7789,185
Debt securities in issue34,92619,883
Subordinated liabilities 36,93733,205
Trading portfolio liabilities 53,95345,130
Financial liabilities designated at fair value 234,510207,765
Derivative financial instruments 306,288225,607
Current tax liabilities 287221
Deferred tax liabilities 1,08380
Retirement benefit liabilities105104
Other liabilities3,2972,807
Provisions885630
Total liabilities1,045,079844,696
Equity
Called up share capital and share premium2,3482,348
Other equity instruments 11,08911,089
Other reserves2,763678
Retained earnings 35,08932,310
Total equity51,28946,425
Total liabilities and equity1,096,368891,121

In H120, Barclays Bank PLC sold its investments in Barclaycard International Payments Limited, Entercard Group AB, Carnegie Holdings Limited and Barclays Mercantile Business Finance Limited to Barclays Principal Investments Limited, a fellow group company, at their fair values of £102m, £292m, £188m and £154m respectively.

Barclays Bank PLC recorded profit on disposal of £56m, £192m, £133m and £23m in respect of these transactions. The Barclays Bank Group recorded profit on disposal of £45m, £13m, £57m and £11m.

Barclays Bank PLC considers the carrying value of its investment in subsidiaries to be fully recoverable.
XML 33 R23.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk
 6 Months Ended
Jun. 30, 2020
Other disclosures - Credit Risk  
Other disclosures - Credit Risk

Loans and advances at amortised cost by product

The table below presents a breakdown of loans and advances at amortised cost and the impairment allowance with stage allocation by asset classification.

Impairment allowance under IFRS 9 considers both the drawn and the undrawn counterparty exposure. For retail portfolios, the total impairment allowance is allocated to the drawn exposure to the extent that the allowance does not exceed the exposure, as ECL is not reported separately. Any excess is reported on the liability side of the balance sheet as a provision. For wholesale portfolios, the impairment allowance on the undrawn exposure is reported on the liability side of the balance sheet as a provision.

Stage 2
As at 30.06.20Stage 1Not past due<=30 days past due>30 days past dueTotalStage 3Total1
Gross exposure£m£m£m£m£m£m£m
Home loans9,670638621798791,14211,691
Credit cards, unsecured loans and other retail lending20,6596,0772063486,6312,03629,326
Wholesale loans75,69933,2882,96163436,8832,161114,743
Total106,02840,0033,2291,16144,3935,339155,760
Impairment allowance
Home loans1228111554350416
Credit cards, unsecured loans and other retail lending4561,096861581,3401,5113,307
Wholesale loans20665492247708581,834
Total6741,7781891972,1642,7195,557
Net exposure
Home loans9,6586105116482579211,275
Credit cards, unsecured loans and other retail lending20,2034,9811201905,29152526,019
Wholesale loans75,49332,6342,86961036,1131,303112,909
Total105,35438,2253,04096442,2292,620150,203
Coverage ratio%%%%%%%
Home loans0.14.417.78.46.130.63.6
Credit cards, unsecured loans and other retail lending2.218.041.745.420.274.211.3
Wholesale loans0.32.03.13.82.139.71.6
Total0.64.45.917.04.950.93.6
As at 31.12.19
Gross exposure£m£m£m£m£m£m£m
Home loans9,60454448826741,05611,334
Credit cards, unsecured loans and other retail lending29,5413,8063043404,4502,12936,120
Wholesale loans89,2006,4893546727,5151,16397,878
Total128,34510,8397061,09412,6394,348145,332
Impairment allowance
Home loans16249740292348
Credit cards, unsecured loans and other retail lending362523991627841,4712,617
Wholesale loans11421987234383731
Total4927661161761,0582,1463,696
Net exposure
Home loans9,588520397563476410,986
Credit cards, unsecured loans and other retail lending29,1793,2832051783,66665833,503
Wholesale loans89,0866,2703466657,28178097,147
Total127,85310,07359091811,5812,202141,636
Coverage ratio%%%%%%%
Home loans0.24.418.88.55.927.73.1
Credit cards, unsecured loans and other retail lending1.213.732.647.617.669.17.2
Wholesale loans0.13.42.31.03.132.90.7
Total0.47.116.416.18.449.42.5

1Other financial assets subject to impairment excluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross exposure of £187.1bn (December 2019: £125.5bn) and impairment allowance of £168m (December 2019: £22m). This comprises £33m (December 2019: £10m) ECL on £181.7bn (December 2019: £124.7bn) Stage 1 assets, £20m (December 2019: £2m) on £5.3bn (December 2019: £0.8bn) Stage 2 fair value through other comprehensive income assets and £115m (December 2019: £10m) on £115m (December 2019: £10m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of £593m (December 2019: £252m).

Movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees

The following tables present a reconciliation of the opening to the closing balance of the exposure and impairment allowance. Explanation of the terms: 12-month ECL, lifetime ECL and credit-impaired are included in the Barclays Bank PLC Annual Report 2019 on page 149. Barclays Bank Group does not hold any material purchased or originated credit-impaired assets as at period end. Transfers between stages in the tables have been reflected as if they had taken place at the beginning of the year. The movements are measured over a 6-month period.

Loans and advances at amortised cost
Stage 1Stage 2Stage 3Total
Gross exposureECLGross exposureECLGross exposureECLGross exposureECL
£m£m£m£m£m£m£m£m
Home loans
As at 1 January 20209,60416674401,05629211,334348
Transfers from Stage 1 to Stage 2(394)(1)3941----
Transfers from Stage 2 to Stage 11143(114)(3)----
Transfers to Stage 3(64)-(67)(6)1316--
Transfers from Stage 317-311(48)(1)--
Business activity in the year410-----410-
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes334(6)2822396140177
Final repayments(351)-(67)(1)(29)(1)(447)(2)
Disposals--------
Write-offs1----(7)(7)(7)(7)
As at 30 June 202029,67012879541,14235011,691416
Credit cards, unsecured loans and other retail lending
As at 1 January 202029,5413624,4507842,1291,47136,1202,617
Transfers from Stage 1 to Stage 2(3,520)(78)3,52078----
Transfers from Stage 2 to Stage 1948134(948)(134)----
Transfers to Stage 3(153)(10)(397)(171)550181--
Transfers from Stage 3214505(71)(9)--
Business activity in the year2,416236611512,48735
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes(3,447)55259824160513(3,028)1,392
Final repayments(1,472)(10)(94)(12)(63)(4)(1,629)(26)
Transfers to Barclays Group3(2,182)(16)(92)(25)(47)(41)(2,321)(82)
Disposals4(1,493)(8)(183)(20)(71)(45)(1,747)(73)
Write-offs1----(556)(556)(556)(556)
As at 30 June 2020220,6594566,6311,3402,0361,51129,3263,307

1 In H1 2020, gross write-offs amounted to £643m (H1 2019: £627m) and post write-off recoveries amounted to £1m (H1 2019: £47m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £642m (H1 2019: £580m).

2 Other financial assets subject to impairment excluded in the tables above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1bn (December 2019: £125.5bn) and impairment allowance of £168m (December 2019: £22m). This comprises £33m ECL (December 2019: £10m) on £181.7bn Stage 1 assets (December 2019: £124.7bn), £20m (December 2019: £2m) on £5.3bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2019: £0.8bn) and £115m (December 2019: £10m) on £115m Stage 3 other assets (December 2019: £10m).

3 Transfers to Barclays Group reported within Credit cards, unsecured loans and other retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period.

4 Disposals reported within Credit cards, unsecured loans and other retail lending portfolio include sale of the motor financing business from the Barclays Partner Finance business.

Loans and advances at amortised cost
Stage 1Stage 2Stage 3Total
Gross exposureECLGross exposureECLGross exposureECLGross exposureECL
£m£m£m£m£m£m£m£m
Wholesale loans
As at 1 January 202089,2001147,5152341,16338397,878731
Transfers from Stage 1 to Stage 2(24,051)(55)24,05155----
Transfers from Stage 2 to Stage 11,58912(1,589)(12)----
Transfers to Stage 3(688)(2)(507)(39)1,19541--
Transfers from Stage 3139-1091(248)(1)--
Business activity in the year19,309194,128212421223,479243
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes10,4741364,79133434953915,6141,009
Final repayments(20,273)(18)(1,606)(15)(260)(36)(22,139)(69)
Disposals--(9)---(9)-
Write-offs1----(80)(80)(80)(80)
As at 30 June 2020275,69920636,8837702,161858114,7431,834
Reconciliation of ECL movement to impairment charge/(release) for the period£m
Home loans75
Credit cards, unsecured loans and other retail lending1,319
Wholesale loans1,183
ECL movement excluding assets derecognised due to disposals and write-offs2,577
Recoveries and reimbursements3(280)
Exchange and other adjustments4(103)
Impairment charge on loan commitments and other financial guarantees331
Impairment charge on other financial assets2149
As at 30 June 20202,674

1 In H1 2020, gross write-offs amounted to £643m (H1 2019: £627m) and post write-off recoveries amounted to £1m (H1 2019: £47m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £642m (H1 2019: £580m).

2 Other financial assets subject to impairment excluded from the tables above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1bn (December 2019: £125.5bn) and impairment allowance of £168m (December 2019: £22m). This comprises £33m ECL (December 2019: £10m) on £181.7bn Stage 1 assets (December 2019: £124.7bn), £20m (December 2019: £2m) on £5.3bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2019: £0.8bn) and £115m (December 2019: £10m) on £115m Stage 3 other assets (December 2019: £10m).

3 Recoveries and reimbursements includes a net gain in relation to reimbursements from guarantee contracts held with third parties of £279m and post write off recoveries of £1m.

4 Includes foreign exchange and interest and fees in suspense.

Loan commitments and financial guarantees
Stage 1Stage 2Stage 3Total
Gross exposureECLGross exposureECLGross exposureECLGross exposureECL
£m£m£m£m£m£m£m£m
Home loans
As at 1 January 202034-----34-
Net transfers between stages--------
Business activity in the year136-----136-
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes10-----10-
Limit management(19)-----(19)-
As at 30 June 2020161-----161-
Credit cards, unsecured loans and other retail lending
As at 1 January 202078,257222,05315671480,37751
Net transfers between stages(2,633)22,394(1)239(1)--
Business activity in the year3,641157-113,6992
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes5,73516(74)27(273)75,38850
Limit management(5,165)-(261)-(4)(3)(5,430)(3)
As at 30 June 202079,835414,16941301884,034100
Wholesale loans
As at 1 January 2020183,0016312,0539763641195,690201
Net transfers between stages(38,412)(22)37,380151,0327--
Business activity in the year24,87873,38930107-28,37437
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes10,99613794285(232)(18)11,558280
Limit management(36,233)(7)(2,764)(18)(239)-(39,236)(25)
As at 30 June 2020144,2305450,8524091,30430196,386493

Measurement uncertainty

The Barclays Bank Group uses a five-scenario model to calculate ECL. Absent the conditions surrounding the COVID-19 pandemic, a Baseline scenario is typically generated based on an external consensus forecast assembled from key sources, including HM Treasury (short and medium-term forecasts), Bloomberg (based on median of economic forecasts) and the Urban Land Institute (for US House Prices). In addition, two adverse scenarios (Downside 1 and Downside 2) and two favourable scenarios (Upside 1 and Upside 2) are derived, with associated probability weightings. The adverse scenarios are typically calibrated to a similar severity to internal stress tests, whilst also considering IFRS 9 specific sensitivities and non-linearity. Downside 2 is typically benchmarked to the Bank of England’s annual cyclical scenarios and to the most severe scenario from Moody’s inventory, but is not designed to be the same. The favourable scenarios are generally calibrated to be symmetric to the adverse scenarios, subject to a ceiling calibrated to relevant recent favourable benchmark scenarios. The scenarios include eight economic variables (GDP, unemployment, House Price Index (HPI) and base rates in both the UK and US markets), and expanded variables using statistical models based on historical correlations. The upside and downside shocks are designed to evolve over a five-year stress horizon, with all five scenarios converging to a steady state after approximately eight years. To calculate ECL a probability weight is assigned to each scenario.

Following the onset of the COVID-19 pandemic, the Barclays Bank Group generated a Baseline scenario in March 2020 that reflected the most recent economic forecasts available in the market (combined with internal assumptions) and estimated impacts from significant support measures taken by Barclays, central banks and governments across the Barclays Bank Group’s key markets. This scenario assumed a strong contraction in GDP and a sharp rise in unemployment in 2020 across both the UK and US, and required a recalibration of probability weights. This scenario was superseded by a further revised Baseline scenario generated in June 2020, based broadly on the latest economic forecasts which recognise some the impacts from the various support measures still in place across the Barclays Bank Group’s key markets. Upside and downside scenarios were also regenerated in June 2020 (together with the revised Baseline scenario, the “COVID-19 Scenarios”). The downside scenarios reflect slower economic growth than the Baseline with social distancing measures continuing to drag GDP. Economic growth begins to recover later in 2020 in Downside 1 but only in 2021 in the Downside 2 scenario. The upside scenarios reflect a faster rebound in economic growth than the Baseline with a sharp decrease in infection rates and an almost fully reopened economy. Scenario weights were also revised in June 2020 with greater weight being applied to the tail scenarios (Upside 2 and Downside 2). This reflects the significant range of uncertainty in the economic environment compared to previous quarters given the conditions surrounding the COVID-19 pandemic.

The economic environment remains uncertain and future impairment charges may be subject to further volatility (including from changes to macroeconomic variable forecasts) depending on the longevity of the COVID-19 pandemic and related containment measures, as well as the longer term effectiveness of central bank, government and other support measures.

The tables on next page show the key macroeconomic variables used in the COVID-19 Baseline scenario and the probability weights applied to each respective scenario.

Baseline average macroeconomic variables used in the calculation of ECL
202020212022Expected Worst Point
As at 30.06.20 % %% %
UK GDP1(8.7)6.12.9(51.4)
UK unemployment26.66.54.48.0
UK HPI30.62.0-(1.5)
UK bank rate0.20.10.10.1
US GDP1(4.2)4.4(0.3)(30.4)
US unemployment49.37.65.513.4
US HPI51.11.8(0.8)(1.9)
US federal funds rate0.50.30.30.3

1Average Real GDP seasonally adjusted change in year; expected worst point using Seasonally Adjusted Annual Rate, SAAR.

2Average UK unemployment rate 16-year+.

3Change in average yearly UK HPI = Halifax All Houses, All Buyers index, relative to prior year end; worst point is based on cumulative drawdown in year relative to prior year end.

4Average US civilian unemployment rate 16-year+.

5Change in average yearly US HPI = FHFA house price index, relative to prior year end; worst point is based on cumulative drawdown in year relative to prior year end.

Scenario probability weighting
Upside 2Upside 1BaselineDownside 1Downside 2
% % % % %
As at 30.06.20
Scenario probability weighting20.322.425.417.514.4
As at 31.12.19
Scenario probability weighting10.123.140.822.73.3

Macroeconomic variables (specific bases)1
Upside 2Upside 1BaselineDownside 1Downside 2
As at 30.06.20 % % % % %
UK GDP232.726.45.41.61.2
UK unemployment33.53.64.99.610.9
UK HPI445.327.22.3(15.0)(33.4)
UK bank rate30.10.10.20.30.2
US GDP219.113.53.32.0(3.1)
US unemployment34.14.46.315.418.7
US HPI432.320.92.3(8.8)(19.7)
US federal funds rate30.30.30.30.40.4
As at 31.12.19
UK GDP24.22.91.60.2(4.7)
UK unemployment33.43.84.25.78.7
UK HPI446.032.03.1(8.2)(32.4)
UK bank rate30.50.50.72.84.0
US GDP24.23.31.90.4(3.4)
US unemployment33.03.53.95.38.5
US HPI437.123.33.00.5(19.8)
US federal funds rate31.51.51.73.03.5
As at 30.06.19
UK GDP24.53.11.70.3(4.1)
UK unemployment33.43.94.35.78.8
UK HPI446.432.63.2(0.5)(32.1)
UK bank rate30.80.81.02.54.0
US GDP24.83.72.10.4(3.3)
US unemployment33.03.43.75.28.4
US HPI436.930.24.1-(17.4)
US federal funds rate32.32.32.73.03.5

1UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = FHFA house price index. Forecast period based on 20 quarters from Q3 2020.

2Upside scenario is the highest annual average growth rate based on seasonally adjusted quarterly annualised rate; 5-year average in Baseline; downside is the lowest annual average growth rate based on seasonally adjusted quarterly annualised rate.

3Lowest yearly average in Upside scenarios; 5-year average in Baseline; highest yearly average in Downside scenarios.

4Cumulative growth (trough to peak) in Upside scenarios; 5-year average in Baseline; cumulative fall (peak-to-trough) in Downside scenarios.

Macroeconomic variables (5-year averages)1
Upside 2Upside 1BaselineDownside 1Downside 2
As at 30.06.20 % % % % %
UK GDP8.97.25.45.22.8
UK unemployment4.04.34.96.27.2
UK HPI7.85.02.3(1.4)(5.5)
UK bank rate0.40.30.20.10.1
US GDP5.94.43.32.71.8
US unemployment4.45.16.38.410.9
US HPI5.83.92.3(0.5)(3.1)
US federal funds rate0.60.50.30.30.3
As at 31.12.19
UK GDP3.22.41.60.8(0.7)
UK unemployment3.53.94.25.47.7
UK HPI7.95.73.1(1.1)(6.5)
UK bank rate0.50.50.72.53.7
US GDP3.52.81.91.0(0.5)
US unemployment3.13.63.95.07.5
US HPI6.54.33.01.3(3.7)
US federal funds rate1.61.71.72.93.4
As at 30.06.19
UK GDP3.42.61.70.9(0.6)
UK unemployment3.74.04.35.17.9
UK HPI7.95.83.20.9(6.4)
UK bank rate0.80.81.02.33.7
US GDP3.73.02.11.1(0.5)
US unemployment3.13.53.74.77.4
US HPI6.55.44.12.4(2.6)
US federal funds rate2.32.32.73.03.4

UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = FHFA house price index.
XML 34 R24.htm IDEA: XBRL DOCUMENT v3.20.2
Segmental reporting (Tables)
 6 Months Ended
Jun. 30, 2020
2. Segmental Reporting  
Analysis of results by business
Analysis of results by business
Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeBarclays Bank Group
Half year ended 30.06.20£m£m£m£m
Total income6,9731,742(78)8,637
Credit impairment charges(1,320)(1,299)(55)(2,674)
Net operating income/(expenses)5,653443(133)5,963
Operating expenses(3,458)(1,053)(37)(4,548)
Litigation and conduct(4)(8)(7)(19)
Total operating expenses(3,462)(1,061)(44)(4,567)
Other net income/(expenses)112115-127
Profit/(loss) before tax2,203(503)(177)1,523
As at 30.06.20£bn£bn£bn£bn
Total assets1,017.166.012.91,096.0

Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeBarclays Bank Group
Half year ended 30.06.19£m£m£m£m
Total income5,1492,193(220)7,122
Credit impairment charges(96)(396)(18)(510)
Net operating income/(expenses)5,0531,797(238)6,612
Operating expenses(3,589)(1,207)(45)(4,841)
Litigation and conduct(26)(4)(39)(69)
Total operating expenses(3,615)(1,211)(84)(4,910)
Other net income/(expenses)11516(8)23
Profit/(loss) before tax1,453602(330)1,725
As at 31.12.19£bn£bn£bn£bn
Total assets799.665.711.4876.7

1Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures and gains on acquisitions.
Split of income by geographic region
Split of income by geographic region1
Half year endedHalf year ended
30.06.2030.06.19
£m£m
UK2,8352,089
Europe1,240783
Americas3,8723,680
Africa and Middle East2341
Asia667529
Total 8,6377,122

The geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated.
XML 35 R25.htm IDEA: XBRL DOCUMENT v3.20.2
Net fee and commission income (Tables)
 6 Months Ended
Jun. 30, 2020
3. Net fee and commission income  
Total fees in scope of IFRS 15 Revenues from Contracts with Customers

Fee and commission income is disaggregated below and includes a total for fees in scope of IFRS 15, Revenue from Contracts with Customers:

Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeTotal
Half year ended 30.06.20£m£m£m£m
Fee type
Transactional 177968-1,145
Advisory26046-306
Brokerage and execution65431-685
Underwriting and syndication1,468--1,468
Other3510019154
Total revenue from contracts with customers2,5941,145193,758
Other non-contract fee income573-60
Fee and commission income2,6511,148193,818
Fee and commission expense(441)(497)(1)(939)
Net fee and commission income2,210651182,879

Corporate and Investment BankConsumer, Cards and PaymentsHead OfficeTotal
Half year ended 30.06.19£m£m£m£m
Fee type
Transactional 1851,168-1,353
Advisory36441-405
Brokerage and execution51224-536
Underwriting and syndication1,240--1,240
Other6212416202
Total revenue from contracts with customers2,3631,357163,736
Other non-contract fee income54--54
Fee and commission income2,4171,357163,790
Fee and commission expense(350)(611)-(961)
Net fee and commission income2,067746162,829
XML 36 R26.htm IDEA: XBRL DOCUMENT v3.20.2
Tax (Tables)
 6 Months Ended
Jun. 30, 2020
4. Tax  
Deferred tax assets and liabilities
As atAs at
30.06.2031.12.19
Deferred tax assets and liabilities£m£m
USA2,1682,052
Other territories 471408
Deferred tax assets2,6392,460
Deferred tax liabilities - UK(1,084)(80)
Analysis of deferred tax assets
Temporary differences2,1841,937
Tax losses455523
Deferred tax assets2,6392,460
XML 37 R27.htm IDEA: XBRL DOCUMENT v3.20.2
Dividends on ordinary shares (Tables)
 6 Months Ended
Jun. 30, 2020
5. Dividends on ordinary shares  
Dividends on ordinary shares
Half year ended 30.06.20Half year ended 30.06.19
Dividends paid during the period£m £m
Ordinary shares263-
Preference shares2827
Total29127
XML 38 R28.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments (Tables)
 6 Months Ended
Jun. 30, 2020
6. Fair value of financial instruments  
Assets and liabilities held at fair value disaggregated by valuation technique (fair value hierarchy)

The following table shows Barclays Bank Group’s assets and liabilities that are held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification:

Valuation technique using
Quoted market pricesObservable inputsSignificant unobservable inputs
(Level 1)(Level 2)(Level 3)Total
As at 30.06.20£m£m£m£m
Trading portfolio assets49,10657,2773,078109,461
Financial assets at fair value through the income statement1,824148,8944,822155,540
Derivative financial instruments8,761291,1427,747307,650
Financial assets at fair value through other comprehensive income13,17241,64234755,161
Investment property--1010
Total assets72,863538,95516,004627,822
Trading portfolio liabilities(31,333)(19,045)-(50,378)
Financial liabilities designated at fair value(123)(221,664)(355)(222,142)
Derivative financial instruments(8,445)(290,612)(8,932)(307,989)
Total liabilities(39,901)(531,321)(9,287)(580,509)
As at 31.12.19
Trading portfolio assets59,96851,1052,264113,337
Financial assets at fair value through the income statement10,300115,0084,162129,470
Derivative financial instruments5,439221,0483,154229,641
Financial assets at fair value through other comprehensive income11,57733,40042945,406
Investment property--1313
Total assets87,284420,56110,022517,867
Trading portfolio liabilities(19,645)(15,567)-(35,212)
Financial liabilities designated at fair value(82)(204,021)(343)(204,446)
Derivative financial instruments(5,305)(219,646)(3,989)(228,940)
Total liabilities(25,032)(439,234)(4,332)(468,598)

The following table shows Barclays Bank Group’s Level 3 assets and liabilities that are held at fair value disaggregated by product type:

As at 30.06.20As at 31.12.19
Assets LiabilitiesAssets Liabilities
£m£m£m£m
Interest rate derivatives 4,152(3,772)605(812)
Foreign exchange derivatives 655(588)291(298)
Credit derivatives193(456)539(342)
Equity derivatives 2,730(4,099)1,710(2,528)
Commodity derivatives 17(17)9(9)
Corporate debt 516-521-
Reverse repurchase and repurchase agreements -(176)-(167)
Non-asset backed loans 4,827-3,280-
Asset backed securities 740-756-
Equity cash products 1,145-1,228-
Private equity investments126-112-
Other1903(179)971(176)
Total16,004(9,287)10,022(4,332)

1Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.
Analysis of movements in Level 3 assets and liabilities

Level 3 movement analysis

The following table summarises the movements in the balances of Level 3 assets and liabilities during the period. The table shows gains and losses and includes amounts for all financial assets and liabilities that are held at fair value transferred to and from Level 3 during the period. Transfers have been reflected as if they had taken place at the beginning of the year.

Asset and liability moves between Level 2 and Level 3 are primarily due to i) an increase or decrease in observable market activity related to an input or ii) a change in the significance of the unobservable input, with assets and liabilities classified as Level 3 if an unobservable input is deemed significant.

Level 3 movement analysis
PurchasesSalesIssuesSettle- mentsTotal gains and losses in the period recognised in the income statementTotal gains or losses recognised in OCITransfers As at 30.06.20
As at 01.01.20Trading incomeOther incomeInOut
£m£m£m£m£m£m£m£m£m£m£m
Corporate debt120 25 - - - (26) - - 4 (17)106
Non-asset backed loans974 1,927 (740) - (4)(111) - - 97 (320)1,823
Asset backed securities656 249 (224) - (76)(12) - - 41 (11)623
Equity cash products392 2 (4) - - (67) - - 28 (4)347
Other122 47 - - - 2 - - 8 - 179
Trading portfolio assets2,264 2,250 (968) - (80)(214) - - 178 (352)3,078
Non-asset backed loans1,964 1,050 (270) - (112)110 - - - - 2,742
Equity cash products835 14 - - - (22)(29) - - - 798
Private equity investments113 1 (2) - - 2 4 - 20 (12)126
Other1,250 1,865 (2,017) - (13)(8)55 - 24 - 1,156
Financial assets at fair value through the income statement4,162 2,930 (2,289) - (125)82 30 - 44 (12)4,822
Non-asset backed loans343 79 - - (157) - - (3) - - 262
Asset backed securities86 - (1) - - 1 - (1) - - 85
Financial assets at fair value through other comprehensive income429 79 (1) - (157)1 - (4) - - 347
Investment property13 - (1) - - - (2) - 2 (2)10
Trading portfolio liabilities - - - - - - - - - - -
Issued debt(146) - - (3) - - - - (22)14 (157)
Other(197) - - - - (12)(1) - - 12 (198)
Financial liabilitiesdesignated at fair value(343) - - (3) - (12)(1) - (22)26 (355)
Interest rate derivatives(206)17 - - 10 268 1 - 300 (10)380
Foreign exchange derivatives(7) - - - (12)89 - - 5 (8)67
Credit derivatives198 (258)11 - (376)151 1 - 2 8 (263)
Equity derivatives(820)(447)(1) - 17 (90) - - (5)(23)(1,369)
Commodity derivatives - - - - - - - - - - -
Net derivative financial instruments1(835)(688)10 - (361)418 2 - 302 (33)(1,185)
Total5,690 4,571 (3,249)(3)(723)275 29 (4)504 (373)6,717

Derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets were £7,747m and derivative financial liabilities were £8,932m.

Level 3 movement analysis
PurchasesSalesIssuesSettle-mentsTotal gains and losses in the period recognised in the income statementTransfers As at 30.06.19
As at 01.01.19Trading incomeOther incomeInOut
£m£m£m£m£m£m£m£m£m£m
Government and government sponsored debt14 2 - - - - - - (14)2
Corporate debt388 70 (24) - (31)14 - 32 (74)375
Non-asset backed loans2,263 1,235 (1,260) - (19)12 - 19 (90)2,160
Asset backed securities664 81 (127) - - 5 - 16 (29)610
Equity cash products136 48 (13) - - (2) - 116 (20)265
Other148 - - - (1)(10) - - (1)136
Trading portfolio assets3,613 1,436 (1,424) - (51)19 - 183 (228)3,548
Non-asset backed loans1,836 2 - - (132)70 - - (1)1,775
Equity cash products559 9 - - (10)4 178 - - 740
Private equity investments191 4 (3) - (1) - (6) - - 185
Other2,064 2,334 (2,619) - (2)17 9 24 (840)987
Financial assets at fair value through the income statement4,650 2,349 (2,622) - (145)91 181 24 (841)3,687
Non-asset backed loans353 48 - - (55) - - - (218)128
Asset backed securities - 40 - - - - - - - 40
Equity cash products2 - - - - - - - - 2
Financial assets at fair value through other comprehensive income355 88 - - (55) - - - (218)170
Investment property9 - - - - - (1) - - 8
Trading portfolio liabilities(3) - - - - 2 - (5) - (6)
-
Certificates of deposit, commercial paper and other money market instruments(10) - - - 1 - (1)(11) - (21)
Issued debt(251) - - (16)1 5 - (3)1 (263)
Financial liabilities designated at fair value(261) - - (16)2 5 (1)(14)1 (284)
Interest rate derivatives22 (3) - - 76 116 - (107)145 249
Foreign exchange derivatives7 - - - (12)(41) - (51)17 (80)
Credit derivatives1,050 (63)4 - (3)86 - 2 3 1,079
Equity derivatives(607)(122)(5) - 23 89 - (16)292 (346)
Commodity derivatives - - - - - - - - - -
Net derivative financial instruments1472 (188)(1) - 84 250 - (172)457 902
Total8,835 3,685 (4,047)(16)(165)367 179 16 (829)8,025

Derivative financial instruments are presented on a net basis. On a gross basis, derivative financial assets were £5,701m and derivative financial liabilities were £4,799m.
Unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end

Unrealised gains and losses on Level 3 financial assets and liabilities

The following table discloses the unrealised gains and losses recognised in the period arising on Level 3 financial assets and liabilities held at the period end.

Half year ended 30.06.20Half year ended 30.06.19
Income statementOther compre-hensive incomeTotalIncome statementOther compre-hensive incomeTotal
Trading incomeOther incomeTrading incomeOther income
£m£m£m£m£m£m£m£m
Trading portfolio assets(177)--(177)21--21
Financial assets at fair value through the income statement126(24)-10275178-253
Financial assets at fair value through other comprehensive income--(2)(2)----
Investment properties-(2)-(2)-(1)-(1)
Trading portfolio liabilities----2--2
Financial liabilities designated at fair value(16)(1)-(17)6--6
Net derivative financial instruments 248--248212--212
Total181(27)(2)152316177-493
Sensitivity analysis of valuations using unobservable inputs

Valuation techniques and sensitivity analysis

Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity methodologies applied take account of the nature of valuation techniques used, as well as the availability and reliability of observable proxy and historical data and the impact of using alternative models.

Sensitivity analysis of valuations using unobservable inputs
As at 30.06.20As at 31.12.19
Favourable changesUnfavourable changesFavourable changesUnfavourable changes
Income statementEquityIncome StatementEquityIncome statementEquityIncome StatementEquity
£m£m£m£m£m£m£m£m
Interest rate derivatives138-(256)-44-(127)-
Foreign exchange derivatives7-(11)-5-(7)-
Credit derivatives127-(109)-73-(47)-
Equity derivatives151-(158)-114-(119)-
Commodity derivatives--------
Corporate debt23-(23)11-(16)-
Non-asset backed loans1594(322)(4)1258(228)(8)
Equity cash products164-(206)-123-(175)-
Private equity investments18-(19)-16-(25)-
Other12-(2)-1-(1)-
Total7894(1,106)(4)5128(745)(8)

Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.
Fair value adjustments

Fair value adjustments

Key balance sheet valuation adjustments are quantified below:

As atAs at
30.06.2031.12.19
£m£m
Exit price adjustments derived from market bid-offer spreads(564)(420)
Uncollateralised derivative funding(181)(57)
Derivative credit valuation adjustments(378)(135)
Derivative debit valuation adjustments148155
Comparison of carrying amounts and fair values for assets and liabilities not held at fair value

Comparison of carrying amounts and fair values for assets and liabilities not held at fair value

Valuation methodologies employed in calculating the fair value of financial assets and liabilities measured at amortised cost are consistent with the Barclays Bank PLC Annual Report on Form 20-F 2019 disclosure.

The following table summarises the fair value of financial assets and liabilities measured at amortised cost on the Barclays Bank Group’s balance sheet:

As at 30.06.20As at 31.12.19
Carrying amountFair valueCarrying amountFair value
Financial assets£m£m£m£m
Loans and advances at amortised cost150,203149,511141,636141,251
Reverse repurchase agreements and other similar secured lending19,81119,8111,7311,731
Financial liabilities
Deposits at amortised cost(245,737)(245,758)(213,881)(213,897)
Repurchase agreements and other similar secured borrowing(4,033)(4,033)(2,032)(2,032)
Debt securities in issue(50,496)(50,568)(33,536)(33,529)
Subordinated liabilities(36,965)(37,675)(33,425)(34,861)
XML 39 R29.htm IDEA: XBRL DOCUMENT v3.20.2
Subordinated Liabilities (Tables)
 6 Months Ended
Jun. 30, 2020
7. Subordinated liabilities  
Subordinated liabilities
7. Subordinated liabilities
Half year endedYear ended
30.06.2031.12.19
£m £m
Opening balance as at 1 January33,42535,327
Issuances3,1626,785
Redemptions(2,814)(7,804)
Other3,192(883)
Closing balance36,96533,425
XML 40 R30.htm IDEA: XBRL DOCUMENT v3.20.2
Provisions (Tables)
 6 Months Ended
Jun. 30, 2020
8. Provisions  
Provisions
8. Provisions
As atAs at
30.06.2031.12.19
£m£m
Customer redress2771
Legal, competition and regulatory matters250374
Redundancy and restructuring3463
Undrawn contractually committed facilities and guarantees593252
Onerous contracts920
Sundry provisions172171
Total1,085951
XML 41 R31.htm IDEA: XBRL DOCUMENT v3.20.2
Other reserves (Tables)
 6 Months Ended
Jun. 30, 2020
12. Other reserves  
Other reserves
12. Other reserves
As atAs at
30.06.2031.12.19
£m£m
Currency translation reserve4,7693,383
Fair value through other comprehensive income reserve(2)(139)
Cash flow hedging reserve1,453388
Own credit reserve123(373)
Other reserves (24)(24)
Total6,3193,235
XML 42 R32.htm IDEA: XBRL DOCUMENT v3.20.2
Contingent liabilities and commitments (Tables)
 6 Months Ended
Jun. 30, 2020
13. Contingent liabilities and commitments  
Contingent liabilities and commitments
As atAs at
30.06.2031.12.19
Contingent liabilities£m£m
Guarantees and letters of credit pledged as collateral security15,82517,006
Performance guarantees, acceptances and endorsements6,5896,771
Total22,41423,777
Commitments
Documentary credits and other short-term trade related transactions1,1621,291
Standby facilities, credit lines and other commitments264,376268,736
Total265,538270,027
XML 43 R33.htm IDEA: XBRL DOCUMENT v3.20.2
Related party transactions (Tables)
 6 Months Ended
Jun. 30, 2020
15. Related party transactions  
Barclays Bank Group's financial statements with other Barclays Group companies

Amounts included in the Barclays Bank Group’s financial statements with other Barclays Group companies are as follows:

Half year ended 30.06.20Half year ended 30.06.19
ParentFellow subsidiariesParentFellow subsidiaries
£m£m£m£m
Total income(346)31(275)32
Operating expenses(34)(1,443)(46)(1,546)
As at 30.06.20As at 31.12.19
ParentFellow subsidiariesParentFellow subsidiaries
£m£m£m£m
Total assets5,7931,9522,0972,165
Total liabilities27,2622,53124,8761,600
XML 44 R34.htm IDEA: XBRL DOCUMENT v3.20.2
Barclays Bank PLC parent condensed balance sheet (Tables)
 6 Months Ended
Jun. 30, 2020
Barclays Bank PLC [member]  
Condensed Balance Sheet Statements, Captions [Line Items]  
Barclays Bank PLC condensed balance sheet
As atAs at
30.06.2031.12.19
Assets£m£m
Cash and balances at central banks 128,461112,287
Cash collateral and settlement balances115,39175,822
Loans and advances at amortised cost186,606161,663
Reverse repurchase agreements and other similar secured lending 22,9264,939
Trading portfolio assets 73,64679,079
Financial assets at fair value through the income statement187,575162,500
Derivative financial instruments304,807229,338
Financial assets at fair value through other comprehensive income53,47543,760
Investment in associates and joint ventures16119
Investment in subsidiaries16,65316,105
Goodwill and intangible assets 114115
Property, plant and equipment419426
Current tax assets 1,045946
Deferred tax assets1,2031,115
Retirement benefit assets2,7972,062
Other assets1,234845
Total assets1,096,368891,121
Liabilities
Deposits at amortised cost268,286240,631
Cash collateral and settlement balances 94,74459,448
Repurchase agreements and other similar secured borrowing 9,7789,185
Debt securities in issue34,92619,883
Subordinated liabilities 36,93733,205
Trading portfolio liabilities 53,95345,130
Financial liabilities designated at fair value 234,510207,765
Derivative financial instruments 306,288225,607
Current tax liabilities 287221
Deferred tax liabilities 1,08380
Retirement benefit liabilities105104
Other liabilities3,2972,807
Provisions885630
Total liabilities1,045,079844,696
Equity
Called up share capital and share premium2,3482,348
Other equity instruments 11,08911,089
Other reserves2,763678
Retained earnings 35,08932,310
Total equity51,28946,425
Total liabilities and equity1,096,368891,121
XML 45 R35.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk (Tables)
 6 Months Ended
Jun. 30, 2020
Other disclosures - Credit Risk  
Loans and advances at amortised cost by stage and product

Loans and advances at amortised cost by product

The table below presents a breakdown of loans and advances at amortised cost and the impairment allowance with stage allocation by asset classification.

Stage 2
As at 30.06.20Stage 1Not past due<=30 days past due>30 days past dueTotalStage 3Total1
Gross exposure£m£m£m£m£m£m£m
Home loans9,670638621798791,14211,691
Credit cards, unsecured loans and other retail lending20,6596,0772063486,6312,03629,326
Wholesale loans75,69933,2882,96163436,8832,161114,743
Total106,02840,0033,2291,16144,3935,339155,760
Impairment allowance
Home loans1228111554350416
Credit cards, unsecured loans and other retail lending4561,096861581,3401,5113,307
Wholesale loans20665492247708581,834
Total6741,7781891972,1642,7195,557
Net exposure
Home loans9,6586105116482579211,275
Credit cards, unsecured loans and other retail lending20,2034,9811201905,29152526,019
Wholesale loans75,49332,6342,86961036,1131,303112,909
Total105,35438,2253,04096442,2292,620150,203
Coverage ratio%%%%%%%
Home loans0.14.417.78.46.130.63.6
Credit cards, unsecured loans and other retail lending2.218.041.745.420.274.211.3
Wholesale loans0.32.03.13.82.139.71.6
Total0.64.45.917.04.950.93.6
As at 31.12.19
Gross exposure£m£m£m£m£m£m£m
Home loans9,60454448826741,05611,334
Credit cards, unsecured loans and other retail lending29,5413,8063043404,4502,12936,120
Wholesale loans89,2006,4893546727,5151,16397,878
Total128,34510,8397061,09412,6394,348145,332
Impairment allowance
Home loans16249740292348
Credit cards, unsecured loans and other retail lending362523991627841,4712,617
Wholesale loans11421987234383731
Total4927661161761,0582,1463,696
Net exposure
Home loans9,588520397563476410,986
Credit cards, unsecured loans and other retail lending29,1793,2832051783,66665833,503
Wholesale loans89,0866,2703466657,28178097,147
Total127,85310,07359091811,5812,202141,636
Coverage ratio%%%%%%%
Home loans0.24.418.88.55.927.73.1
Credit cards, unsecured loans and other retail lending1.213.732.647.617.669.17.2
Wholesale loans0.13.42.31.03.132.90.7
Total0.47.116.416.18.449.42.5

1Other financial assets subject to impairment excluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross exposure of £187.1bn (December 2019: £125.5bn) and impairment allowance of £168m (December 2019: £22m). This comprises £33m (December 2019: £10m) ECL on £181.7bn (December 2019: £124.7bn) Stage 1 assets, £20m (December 2019: £2m) on £5.3bn (December 2019: £0.8bn) Stage 2 fair value through other comprehensive income assets and £115m (December 2019: £10m) on £115m (December 2019: £10m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of £593m (December 2019: £252m).
Movement in gross exposure and impairment allowance including provisions for loan commitments and financial guarantees

Movement in gross exposures and impairment allowance including provisions for loan commitments and financial guarantees

The following tables present a reconciliation of the opening to the closing balance of the exposure and impairment allowance. Explanation of the terms: 12-month ECL, lifetime ECL and credit-impaired are included in the Barclays Bank PLC Annual Report 2019 on page 149. Barclays Bank Group does not hold any material purchased or originated credit-impaired assets as at period end. Transfers between stages in the tables have been reflected as if they had taken place at the beginning of the year. The movements are measured over a 6-month period.

Loans and advances at amortised cost
Stage 1Stage 2Stage 3Total
Gross exposureECLGross exposureECLGross exposureECLGross exposureECL
£m£m£m£m£m£m£m£m
Home loans
As at 1 January 20209,60416674401,05629211,334348
Transfers from Stage 1 to Stage 2(394)(1)3941----
Transfers from Stage 2 to Stage 11143(114)(3)----
Transfers to Stage 3(64)-(67)(6)1316--
Transfers from Stage 317-311(48)(1)--
Business activity in the year410-----410-
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes334(6)2822396140177
Final repayments(351)-(67)(1)(29)(1)(447)(2)
Disposals--------
Write-offs1----(7)(7)(7)(7)
As at 30 June 202029,67012879541,14235011,691416
Credit cards, unsecured loans and other retail lending
As at 1 January 202029,5413624,4507842,1291,47136,1202,617
Transfers from Stage 1 to Stage 2(3,520)(78)3,52078----
Transfers from Stage 2 to Stage 1948134(948)(134)----
Transfers to Stage 3(153)(10)(397)(171)550181--
Transfers from Stage 3214505(71)(9)--
Business activity in the year2,416236611512,48735
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes(3,447)55259824160513(3,028)1,392
Final repayments(1,472)(10)(94)(12)(63)(4)(1,629)(26)
Transfers to Barclays Group3(2,182)(16)(92)(25)(47)(41)(2,321)(82)
Disposals4(1,493)(8)(183)(20)(71)(45)(1,747)(73)
Write-offs1----(556)(556)(556)(556)
As at 30 June 2020220,6594566,6311,3402,0361,51129,3263,307

1 In H1 2020, gross write-offs amounted to £643m (H1 2019: £627m) and post write-off recoveries amounted to £1m (H1 2019: £47m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £642m (H1 2019: £580m).

2 Other financial assets subject to impairment excluded in the tables above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1bn (December 2019: £125.5bn) and impairment allowance of £168m (December 2019: £22m). This comprises £33m ECL (December 2019: £10m) on £181.7bn Stage 1 assets (December 2019: £124.7bn), £20m (December 2019: £2m) on £5.3bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2019: £0.8bn) and £115m (December 2019: £10m) on £115m Stage 3 other assets (December 2019: £10m).

3 Transfers to Barclays Group reported within Credit cards, unsecured loans and other retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period.

4 Disposals reported within Credit cards, unsecured loans and other retail lending portfolio include sale of the motor financing business from the Barclays Partner Finance business.

Loans and advances at amortised cost
Stage 1Stage 2Stage 3Total
Gross exposureECLGross exposureECLGross exposureECLGross exposureECL
£m£m£m£m£m£m£m£m
Wholesale loans
As at 1 January 202089,2001147,5152341,16338397,878731
Transfers from Stage 1 to Stage 2(24,051)(55)24,05155----
Transfers from Stage 2 to Stage 11,58912(1,589)(12)----
Transfers to Stage 3(688)(2)(507)(39)1,19541--
Transfers from Stage 3139-1091(248)(1)--
Business activity in the year19,309194,128212421223,479243
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes10,4741364,79133434953915,6141,009
Final repayments(20,273)(18)(1,606)(15)(260)(36)(22,139)(69)
Disposals--(9)---(9)-
Write-offs1----(80)(80)(80)(80)
As at 30 June 2020275,69920636,8837702,161858114,7431,834
Reconciliation of ECL movement to impairment charge/(release) for the period£m
Home loans75
Credit cards, unsecured loans and other retail lending1,319
Wholesale loans1,183
ECL movement excluding assets derecognised due to disposals and write-offs2,577
Recoveries and reimbursements3(280)
Exchange and other adjustments4(103)
Impairment charge on loan commitments and other financial guarantees331
Impairment charge on other financial assets2149
As at 30 June 20202,674

1 In H1 2020, gross write-offs amounted to £643m (H1 2019: £627m) and post write-off recoveries amounted to £1m (H1 2019: £47m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £642m (H1 2019: £580m).

2 Other financial assets subject to impairment excluded from the tables above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1bn (December 2019: £125.5bn) and impairment allowance of £168m (December 2019: £22m). This comprises £33m ECL (December 2019: £10m) on £181.7bn Stage 1 assets (December 2019: £124.7bn), £20m (December 2019: £2m) on £5.3bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement assets (December 2019: £0.8bn) and £115m (December 2019: £10m) on £115m Stage 3 other assets (December 2019: £10m).

3 Recoveries and reimbursements includes a net gain in relation to reimbursements from guarantee contracts held with third parties of £279m and post write off recoveries of £1m.

4 Includes foreign exchange and interest and fees in suspense.

Loan commitments and financial guarantees
Stage 1Stage 2Stage 3Total
Gross exposureECLGross exposureECLGross exposureECLGross exposureECL
£m£m£m£m£m£m£m£m
Home loans
As at 1 January 202034-----34-
Net transfers between stages--------
Business activity in the year136-----136-
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes10-----10-
Limit management(19)-----(19)-
As at 30 June 2020161-----161-
Credit cards, unsecured loans and other retail lending
As at 1 January 202078,257222,05315671480,37751
Net transfers between stages(2,633)22,394(1)239(1)--
Business activity in the year3,641157-113,6992
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes5,73516(74)27(273)75,38850
Limit management(5,165)-(261)-(4)(3)(5,430)(3)
As at 30 June 202079,835414,16941301884,034100
Wholesale loans
As at 1 January 2020183,0016312,0539763641195,690201
Net transfers between stages(38,412)(22)37,380151,0327--
Business activity in the year24,87873,38930107-28,37437
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes10,99613794285(232)(18)11,558280
Limit management(36,233)(7)(2,764)(18)(239)-(39,236)(25)
As at 30 June 2020144,2305450,8524091,30430196,386493
Baseline average macroeconomic variables used in the calculation of ECL and the respective scenario probability weighting
Baseline average macroeconomic variables used in the calculation of ECL
202020212022Expected Worst Point
As at 30.06.20 % %% %
UK GDP1(8.7)6.12.9(51.4)
UK unemployment26.66.54.48.0
UK HPI30.62.0-(1.5)
UK bank rate0.20.10.10.1
US GDP1(4.2)4.4(0.3)(30.4)
US unemployment49.37.65.513.4
US HPI51.11.8(0.8)(1.9)
US federal funds rate0.50.30.30.3

1Average Real GDP seasonally adjusted change in year; expected worst point using Seasonally Adjusted Annual Rate, SAAR.

2Average UK unemployment rate 16-year+.

3Change in average yearly UK HPI = Halifax All Houses, All Buyers index, relative to prior year end; worst point is based on cumulative drawdown in year relative to prior year end.

4Average US civilian unemployment rate 16-year+.

5Change in average yearly US HPI = FHFA house price index, relative to prior year end; worst point is based on cumulative drawdown in year relative to prior year end.

Scenario probability weighting
Upside 2Upside 1BaselineDownside 1Downside 2
% % % % %
As at 30.06.20
Scenario probability weighting20.322.425.417.514.4
As at 31.12.19
Scenario probability weighting10.123.140.822.73.3

Macroeconomic variables (specific bases)1
Upside 2Upside 1BaselineDownside 1Downside 2
As at 30.06.20 % % % % %
UK GDP232.726.45.41.61.2
UK unemployment33.53.64.99.610.9
UK HPI445.327.22.3(15.0)(33.4)
UK bank rate30.10.10.20.30.2
US GDP219.113.53.32.0(3.1)
US unemployment34.14.46.315.418.7
US HPI432.320.92.3(8.8)(19.7)
US federal funds rate30.30.30.30.40.4
As at 31.12.19
UK GDP24.22.91.60.2(4.7)
UK unemployment33.43.84.25.78.7
UK HPI446.032.03.1(8.2)(32.4)
UK bank rate30.50.50.72.84.0
US GDP24.23.31.90.4(3.4)
US unemployment33.03.53.95.38.5
US HPI437.123.33.00.5(19.8)
US federal funds rate31.51.51.73.03.5
As at 30.06.19
UK GDP24.53.11.70.3(4.1)
UK unemployment33.43.94.35.78.8
UK HPI446.432.63.2(0.5)(32.1)
UK bank rate30.80.81.02.54.0
US GDP24.83.72.10.4(3.3)
US unemployment33.03.43.75.28.4
US HPI436.930.24.1-(17.4)
US federal funds rate32.32.32.73.03.5

1UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = FHFA house price index. Forecast period based on 20 quarters from Q3 2020.

2Upside scenario is the highest annual average growth rate based on seasonally adjusted quarterly annualised rate; 5-year average in Baseline; downside is the lowest annual average growth rate based on seasonally adjusted quarterly annualised rate.

3Lowest yearly average in Upside scenarios; 5-year average in Baseline; highest yearly average in Downside scenarios.

4Cumulative growth (trough to peak) in Upside scenarios; 5-year average in Baseline; cumulative fall (peak-to-trough) in Downside scenarios.

Macroeconomic variables (5-year averages)1
Upside 2Upside 1BaselineDownside 1Downside 2
As at 30.06.20 % % % % %
UK GDP8.97.25.45.22.8
UK unemployment4.04.34.96.27.2
UK HPI7.85.02.3(1.4)(5.5)
UK bank rate0.40.30.20.10.1
US GDP5.94.43.32.71.8
US unemployment4.45.16.38.410.9
US HPI5.83.92.3(0.5)(3.1)
US federal funds rate0.60.50.30.30.3
As at 31.12.19
UK GDP3.22.41.60.8(0.7)
UK unemployment3.53.94.25.47.7
UK HPI7.95.73.1(1.1)(6.5)
UK bank rate0.50.50.72.53.7
US GDP3.52.81.91.0(0.5)
US unemployment3.13.63.95.07.5
US HPI6.54.33.01.3(3.7)
US federal funds rate1.61.71.72.93.4
As at 30.06.19
UK GDP3.42.61.70.9(0.6)
UK unemployment3.74.04.35.17.9
UK HPI7.95.83.20.9(6.4)
UK bank rate0.80.81.02.33.7
US GDP3.73.02.11.1(0.5)
US unemployment3.13.53.74.77.4
US HPI6.55.44.12.4(2.6)
US federal funds rate2.32.32.73.03.4

UK GDP = Real GDP growth seasonally adjusted; UK unemployment = UK unemployment rate 16-year+; UK HPI = Halifax All Houses, All Buyers Index; US GDP = Real GDP growth seasonally adjusted; US unemployment = US civilian unemployment rate 16-year+; US HPI = FHFA house price index. For GDP and HPI, numbers represent average of seasonally adjusted quarterly annualised rates. Forecast period based on 20 quarters from Q3 2020”.
XML 46 R36.htm IDEA: XBRL DOCUMENT v3.20.2
Segmental reporting (Narrative) (Details)
 6 Months Ended
Jun. 30, 2020
2. Segmental Reporting  
Description of basis for attributing revenues from external customers to individual countries The geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated.
XML 47 R37.htm IDEA: XBRL DOCUMENT v3.20.2
Segmental reporting - Analysis of results by business (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Dec. 31, 2019
Disclosure of operating segments [line items]      
Total income [1] £ 8,637 £ 7,122  
Credit impairment charges (2,674) (510)  
Net operating income/(expenses) 5,963 6,612  
Operating expenses (4,548) (4,841)  
Litigation and conduct (19) (69)  
Operating expenses (4,567) (4,910)  
Other net income/(expenses) [2] 127 23  
Profit/(loss) before tax 1,523 1,725  
Total assets 1,095,958   £ 876,672
Operating segments [member] | Corporate and Investment bank [member]      
Disclosure of operating segments [line items]      
Total income 6,973 5,149  
Credit impairment charges (1,320) (96)  
Net operating income/(expenses) 5,653 5,053  
Operating expenses (3,458) (3,589)  
Litigation and conduct (4) (26)  
Operating expenses (3,462) (3,615)  
Other net income/(expenses) [2] 12 15  
Profit/(loss) before tax 2,203 1,453  
Total assets 1,017,100   799,600
Operating segments [member] | Consumer Payments and Private Bank [member]      
Disclosure of operating segments [line items]      
Total income 1,742 2,193  
Credit impairment charges (1,299) (396)  
Net operating income/(expenses) 443 1,797  
Operating expenses (1,053) (1,207)  
Litigation and conduct (8) (4)  
Operating expenses (1,061) (1,211)  
Other net income/(expenses) [2] 115 16  
Profit/(loss) before tax (503) 602  
Total assets 66,000   65,700
Head Office [member]      
Disclosure of operating segments [line items]      
Total income (78) (220)  
Credit impairment charges (55) (18)  
Net operating income/(expenses) (133) (238)  
Operating expenses (37) (45)  
Litigation and conduct (7) (39)  
Operating expenses (44) (84)  
Other net income/(expenses) [2] 0 (8)  
Profit/(loss) before tax (177) £ (330)  
Total assets £ 12,900   £ 11,400
[1]

T he geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated

[2]

Other net income/(expenses) represents the share of post-tax results of associates and joint ventures, profit (or loss) on disposal of subsidiaries, associates and joint ventures and gains on acquisitions

XML 48 R38.htm IDEA: XBRL DOCUMENT v3.20.2
Segmental reporting - Split of income by geographic region (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Disclosure of operating segments [line items]    
Total income [1] £ 8,637 £ 7,122
UK [member]    
Disclosure of operating segments [line items]    
Total income [1] 2,835 2,089
Europe [member]    
Disclosure of operating segments [line items]    
Total income [1] 1,240 783
Americas [member]    
Disclosure of operating segments [line items]    
Total income [1] 3,872 3,680
Africa and middle east [member]    
Disclosure of operating segments [line items]    
Total income [1] 23 41
Asia [member]    
Disclosure of operating segments [line items]    
Total income [1] £ 667 £ 529
[1]

T he geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated

XML 49 R39.htm IDEA: XBRL DOCUMENT v3.20.2
Net fee and commission income (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Fee and commission income [abstract]    
Revenue from contracts with customers £ 3,758 £ 3,736
Other non-contract fee income 60 54
Fee and commission income 3,818 3,790
Fee and commission expenses (939) (961)
Net fee and commission income 2,879 2,829
Transactional member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 1,145 1,353
Advisory [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 306 405
Brokerage and execution [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 685 536
Underwriting and syndication [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 1,468 1,240
Other [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 154 202
Operating segments [member] | Corporate and Investment bank [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 2,594 2,363
Other non-contract fee income 57 54
Fee and commission income 2,651 2,417
Fee and commission expenses (441) (350)
Net fee and commission income 2,210 2,067
Operating segments [member] | Corporate and Investment bank [member] | Transactional member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 177 185
Operating segments [member] | Corporate and Investment bank [member] | Advisory [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 260 364
Operating segments [member] | Corporate and Investment bank [member] | Brokerage and execution [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 654 512
Operating segments [member] | Corporate and Investment bank [member] | Underwriting and syndication [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 1,468 1,240
Operating segments [member] | Corporate and Investment bank [member] | Other [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 35 62
Operating segments [member] | Consumer Payments and Private Bank [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 1,145 1,357
Other non-contract fee income 3 0
Fee and commission income 1,148 1,357
Fee and commission expenses (497) (611)
Net fee and commission income 651 746
Operating segments [member] | Consumer Payments and Private Bank [member] | Transactional member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 968 1,168
Operating segments [member] | Consumer Payments and Private Bank [member] | Advisory [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 46 41
Operating segments [member] | Consumer Payments and Private Bank [member] | Brokerage and execution [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 31 24
Operating segments [member] | Consumer Payments and Private Bank [member] | Underwriting and syndication [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 0 0
Operating segments [member] | Consumer Payments and Private Bank [member] | Other [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 100 124
Head Office [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 19 16
Other non-contract fee income 0 0
Fee and commission income 19 16
Fee and commission expenses (1) 0
Net fee and commission income 18 16
Head Office [member] | Transactional member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 0 0
Head Office [member] | Advisory [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 0 0
Head Office [member] | Brokerage and execution [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 0 0
Head Office [member] | Underwriting and syndication [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers 0 0
Head Office [member] | Other [member]    
Fee and commission income [abstract]    
Revenue from contracts with customers £ 19 £ 16
XML 50 R40.htm IDEA: XBRL DOCUMENT v3.20.2
Net fee and commission income (Narrative) (Details)
 6 Months Ended
Jun. 30, 2020
Transactional member]  
Disclosure of disaggregation of revenue from contracts with customers [line items]  
Description of methods used to recognise revenue from contracts with customers Transactional fees are service charges on deposit accounts, cash management services and transactional processing fees. This includes interchange and merchant fee income generated from credit and bank card usage.
Advisory [member]  
Disclosure of disaggregation of revenue from contracts with customers [line items]  
Description of methods used to recognise revenue from contracts with customers Advisory fees are generated from asset management services and advisory services related to mergers, acquisitions and financial restructuring.
Brokerage and execution [member]  
Disclosure of disaggregation of revenue from contracts with customers [line items]  
Description of methods used to recognise revenue from contracts with customers Brokerage and execution fees are earned for executing client transactions with exchanges and over-the-counter markets and assisting clients in clearing transactions.
Underwriting and syndication [member]  
Disclosure of disaggregation of revenue from contracts with customers [line items]  
Description of methods used to recognise revenue from contracts with customers Underwriting and syndication fees are earned for the distribution of client equity or debt securities, and the arrangement and administration of a loan syndication. This includes commitment fees to provide loan financing.
XML 51 R41.htm IDEA: XBRL DOCUMENT v3.20.2
Tax (Narrative) (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
4. Tax    
Tax charge £ 230 £ 260
Average effective tax rate 15.10% 15.10%
XML 52 R42.htm IDEA: XBRL DOCUMENT v3.20.2
Tax - Deferred tax assets and liabilities (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Analysis of net deferred tax    
Deferred tax assets £ 2,639 £ 2,460
Deferred tax liabilities (1,084) (80)
Temporary differences [member]    
Analysis of net deferred tax    
Deferred tax assets 2,184 1,937
Tax losses [member]    
Analysis of net deferred tax    
Deferred tax assets 455 523
US    
Analysis of net deferred tax    
Deferred tax assets 2,168 2,052
Other territories [member]    
Analysis of net deferred tax    
Deferred tax assets £ 471 £ 408
XML 53 R43.htm IDEA: XBRL DOCUMENT v3.20.2
Dividends on ordinary shares (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Dec. 31, 2019
Jun. 30, 2019
Dividends paid, ordinary shares £ 263 £ 233  
Dividends paid, preference shares 28 £ 14  
Total 291   £ 27
Capital contribution from Barclays PLC £ 1,500   995
Equity attributable to owners of parent [member]      
Dividends paid, ordinary shares     0
Dividends paid, preference shares     27
Total     27
Capital contribution from Barclays PLC     £ 995
XML 54 R44.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Assets and liabilities held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Disclosure of detailed information about financial instruments [line items]    
Trading portfolio assets £ 109,461 £ 113,337
Financial assets at fair value through the income statement 155,540 129,470
Derivative financial instruments 307,650 229,641
Financial assets at fair value through other comprehensive income 55,161 45,406
Trading portfolio liabilities (50,378) (35,212)
Financial liabilities designated at fair value (222,142) (204,446)
Derivative financial liabilities (307,989) (228,940)
At fair value [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading portfolio assets 109,461 113,337
Financial assets at fair value through the income statement 155,540 129,470
Derivative financial instruments 307,650 229,641
Financial assets at fair value through other comprehensive income 55,161 45,406
Investment property 10 13
Total assets 627,822 517,867
Trading portfolio liabilities (50,378) (35,212)
Financial liabilities designated at fair value (222,142) (204,446)
Derivative financial liabilities (307,989) (228,940)
Total liabilities (580,509) (468,598)
Quoted market prices (Level 1) [member] | At fair value [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading portfolio assets 49,106 59,968
Financial assets at fair value through the income statement 1,824 10,300
Derivative financial instruments 8,761 5,439
Financial assets at fair value through other comprehensive income 13,172 11,577
Investment property 0 0
Total assets 72,863 87,284
Trading portfolio liabilities (31,333) (19,645)
Financial liabilities designated at fair value (123) (82)
Derivative financial liabilities (8,445) (5,305)
Total liabilities (39,901) (25,032)
Observable inputs (Level 2) [member] | At fair value [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading portfolio assets 57,277 51,105
Financial assets at fair value through the income statement 148,894 115,008
Derivative financial instruments 291,142 221,048
Financial assets at fair value through other comprehensive income 41,642 33,400
Investment property 0 0
Total assets 538,955 420,561
Trading portfolio liabilities (19,045) (15,567)
Financial liabilities designated at fair value (221,664) (204,021)
Derivative financial liabilities (290,612) (219,646)
Total liabilities (531,321) (439,234)
Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Total assets 16,004 10,022
Total liabilities (9,287) (4,332)
Significant unobservable inputs (Level 3) [member] | At fair value [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading portfolio assets 3,078 2,264
Financial assets at fair value through the income statement 4,822 4,162
Derivative financial instruments 7,747 3,154
Financial assets at fair value through other comprehensive income 347 429
Investment property 10 13
Total assets 16,004 10,022
Trading portfolio liabilities 0 0
Financial liabilities designated at fair value (355) (343)
Derivative financial liabilities (8,932) (3,989)
Total liabilities £ (9,287) £ (4,332)
XML 55 R45.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Level 3 assets and liabilities held at fair value disaggregated by product type (Details) - Significant unobservable inputs (Level 3) [member] - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value £ 16,004 £ 10,022
Financial liabilities, at fair value (9,287) (4,332)
Asset-backed securities [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 740 756
Financial liabilities, at fair value 0 0
Corporate debt [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 516 521
Financial liabilities, at fair value 0 0
Reverse repurchase and repurchase agreements [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 0 0
Financial liabilities, at fair value (176) (167)
Non-asset backed loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 4,827 3,280
Financial liabilities, at fair value 0 0
Equity cash products [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 1,145 1,228
Financial liabilities, at fair value 0 0
Private equity investments [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 126 112
Financial liabilities, at fair value 0 0
Other [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value [1] 903 971
Financial liabilities, at fair value [1] (179) (176)
Interest rate derivatives [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 4,152 605
Financial liabilities, at fair value (3,772) (812)
Foreign exchange derivatives [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 655 291
Financial liabilities, at fair value (588) (298)
Credit derivatives [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 193 539
Financial liabilities, at fair value (456) (342)
Equity derivatives [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 2,730 1,710
Financial liabilities, at fair value (4,099) (2,528)
Commodity derivatives [member]    
Disclosure of detailed information about financial instruments [line items]    
Financial assets, at fair value 17 9
Financial liabilities, at fair value £ (17) £ (9)
[1]

Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.

XML 56 R46.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Details) - Significant unobservable inputs (Level 3) [member] - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Financial assets [abstract]    
Beginning balance, financial assets £ 10,022  
Ending balance, financial assets 16,004  
Financial liabilities [abstract]    
Beginning balance, financial liabilities (4,332)  
Ending balance, financial liabilities (9,287)  
Net assets (liabilities) [abstract]    
Ending balance, Assets (liabilities) net   £ 8,025
Recurring fair value measurement [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net 5,690 8,835
Purchases, fair value measurement, assets (liabilities) net 4,571 3,685
Sales, fair value measurement, assets (liabilities) net (3,249) (4,047)
Issues, fair value measurement, assets (liabilities) net (3) (16)
Settlements, fair value measurement, assets (liabilities) net (723) (165)
Total gains or losses recognised in OCI, assets (liabilities) (4)  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net 504 16
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net (373) (829)
Ending balance, Assets (liabilities) net 6,717 8,025
Recurring fair value measurement [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 275 367
Recurring fair value measurement [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 29 179
Recurring fair value measurement [member] | Net derivative financial instruments [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net (835) [1] 472 [2]
Purchases, fair value measurement, assets (liabilities) net (688) [1] (188) [2]
Sales, fair value measurement, assets (liabilities) net 10 [1] (1) [2]
Issues, fair value measurement, assets (liabilities) net 0 [1] 0 [2]
Settlements, fair value measurement, assets (liabilities) net (361) [1] 84 [2]
Total gains or losses recognised in OCI, assets (liabilities) [1] 0  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net 302 [1] (172) [2]
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net (33) [1] 457 [2]
Ending balance, Assets (liabilities) net (1,185) [1] 902 [2]
Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 418 [1] 250 [2]
Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 2 [1] 0 [2]
Recurring fair value measurement [member] | Investment property [member]    
Financial assets [abstract]    
Beginning balance, financial assets 13 9
Purchases, fair value measurement, assets 0 0
Sales, fair value measurement, assets (1) 0
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets 0 0
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 2 0
Transfers out of Level 3 of fair value hierarchy, assets (2) 0
Ending balance, financial assets 10 8
Recurring fair value measurement [member] | Investment property [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Recurring fair value measurement [member] | Investment property [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (2) (1)
Trading portfolio liabilities [member] | Recurring fair value measurement [member]    
Financial liabilities [abstract]    
Beginning balance, financial liabilities 0 (3)
Purchases, fair value measurement, liabilities 0 0
Sales, fair value measurement, liabilities 0 0
Issues, fair value measurement, liabilities 0 0
Settlements, fair value measurement, liabilities 0 0
Total gains or losses recognised in OCI, liabilities 0  
Transfers into Level 3 of fair value hierarchy, liabilities 0 (5)
Transfers out of Level 3 of fair value hierarchy, liabilities 0 0
Ending balance, financial liabilities 0 (6)
Trading portfolio liabilities [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category trading [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities 0 2
Trading portfolio liabilities [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category other income [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities 0 0
Financial liabilities designated at fair value [member] | Recurring fair value measurement [member]    
Financial liabilities [abstract]    
Beginning balance, financial liabilities (343) (261)
Purchases, fair value measurement, liabilities 0 0
Sales, fair value measurement, liabilities 0 0
Issues, fair value measurement, liabilities (3) (16)
Settlements, fair value measurement, liabilities 0 2
Total gains or losses recognised in OCI, liabilities 0  
Transfers into Level 3 of fair value hierarchy, liabilities (22) (14)
Transfers out of Level 3 of fair value hierarchy, liabilities 26 1
Ending balance, financial liabilities (355) (284)
Financial liabilities designated at fair value [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category trading [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities (12) 5
Financial liabilities designated at fair value [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category other income [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities (1) (1)
Financial liabilities designated at fair value [member] | Issued debt [member] | Recurring fair value measurement [member]    
Financial liabilities [abstract]    
Beginning balance, financial liabilities (146) (251)
Purchases, fair value measurement, liabilities 0 0
Sales, fair value measurement, liabilities 0 0
Issues, fair value measurement, liabilities (3) (16)
Settlements, fair value measurement, liabilities 0 1
Total gains or losses recognised in OCI, liabilities 0  
Transfers into Level 3 of fair value hierarchy, liabilities (22) (3)
Transfers out of Level 3 of fair value hierarchy, liabilities 14 1
Ending balance, financial liabilities (157) (263)
Financial liabilities designated at fair value [member] | Issued debt [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category trading [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities 0 5
Financial liabilities designated at fair value [member] | Issued debt [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category other income [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities 0 0
Asset-backed loans [member]    
Financial assets [abstract]    
Beginning balance, financial assets 756  
Ending balance, financial assets 740  
Financial liabilities [abstract]    
Beginning balance, financial liabilities 0  
Ending balance, financial liabilities 0  
Interest rate derivatives [member]    
Financial assets [abstract]    
Beginning balance, financial assets 605  
Ending balance, financial assets 4,152  
Financial liabilities [abstract]    
Beginning balance, financial liabilities (812)  
Ending balance, financial liabilities (3,772)  
Interest rate derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net (206) 22
Purchases, fair value measurement, assets (liabilities) net 17 (3)
Sales, fair value measurement, assets (liabilities) net 0 0
Issues, fair value measurement, assets (liabilities) net 0 0
Settlements, fair value measurement, assets (liabilities) net 10 76
Total gains or losses recognised in OCI, assets (liabilities) 0  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net 300 (107)
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net (10) 145
Ending balance, Assets (liabilities) net 380 249
Interest rate derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 268 116
Interest rate derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 1 0
Foreign exchange derivatives [member]    
Financial assets [abstract]    
Beginning balance, financial assets 291  
Ending balance, financial assets 655  
Financial liabilities [abstract]    
Beginning balance, financial liabilities (298)  
Ending balance, financial liabilities (588)  
Foreign exchange derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net (7) 7
Purchases, fair value measurement, assets (liabilities) net 0 0
Sales, fair value measurement, assets (liabilities) net 0 0
Issues, fair value measurement, assets (liabilities) net 0 0
Settlements, fair value measurement, assets (liabilities) net (12) (12)
Total gains or losses recognised in OCI, assets (liabilities) 0  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net 5 (51)
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net (8) 17
Ending balance, Assets (liabilities) net 67 (80)
Foreign exchange derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 89 (41)
Foreign exchange derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 0 0
Credit derivatives [member]    
Financial assets [abstract]    
Beginning balance, financial assets 539  
Ending balance, financial assets 193  
Financial liabilities [abstract]    
Beginning balance, financial liabilities (342)  
Ending balance, financial liabilities (456)  
Credit derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net 198 1,050
Purchases, fair value measurement, assets (liabilities) net (258) (63)
Sales, fair value measurement, assets (liabilities) net 11 4
Issues, fair value measurement, assets (liabilities) net 0 0
Settlements, fair value measurement, assets (liabilities) net (376) (3)
Total gains or losses recognised in OCI, assets (liabilities) 0  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net 2 2
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net 8 3
Ending balance, Assets (liabilities) net (263) 1,079
Credit derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 151 86
Credit derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 1 0
Equity derivatives [member]    
Financial assets [abstract]    
Beginning balance, financial assets 1,710  
Ending balance, financial assets 2,730  
Financial liabilities [abstract]    
Beginning balance, financial liabilities (2,528)  
Ending balance, financial liabilities (4,099)  
Equity derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net (820) (607)
Purchases, fair value measurement, assets (liabilities) net (447) (122)
Sales, fair value measurement, assets (liabilities) net (1) (5)
Issues, fair value measurement, assets (liabilities) net 0 0
Settlements, fair value measurement, assets (liabilities) net 17 23
Total gains or losses recognised in OCI, assets (liabilities) 0  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net (5) (16)
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net (23) 292
Ending balance, Assets (liabilities) net (1,369) (346)
Equity derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net (90) 89
Equity derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 0 0
Commodity derivatives [member]    
Financial assets [abstract]    
Beginning balance, financial assets 9  
Ending balance, financial assets 17  
Financial liabilities [abstract]    
Beginning balance, financial liabilities (9)  
Ending balance, financial liabilities (17)  
Commodity derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member]    
Net assets (liabilities) [abstract]    
Beginning balance, Assets (liabilities) net 0 0
Purchases, fair value measurement, assets (liabilities) net 0 0
Sales, fair value measurement, assets (liabilities) net 0 0
Issues, fair value measurement, assets (liabilities) net 0 0
Settlements, fair value measurement, assets (liabilities) net 0 0
Total gains or losses recognised in OCI, assets (liabilities) 0  
Transfers into Level 3 of fair value hierarchy, assets (liabilities) net 0 0
Transfers out of Level 3 of fair value hierarchy, assets (liabilities) net 0 0
Ending balance, Assets (liabilities) net 0 0
Commodity derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category trading income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 0 0
Commodity derivatives [member] | Recurring fair value measurement [member] | Net derivative financial instruments [member] | Net assets (liabilities) at fair value through profit or loss, category other income [Member]    
Net assets (liabilities) [abstract]    
Gains (losses) recognised in profit or loss, fair value measurement, assets (liabilities) net 0 0
Corporate debt [member]    
Financial assets [abstract]    
Beginning balance, financial assets 521  
Ending balance, financial assets 516  
Financial liabilities [abstract]    
Beginning balance, financial liabilities 0  
Ending balance, financial liabilities 0  
Non-asset backed loans [member]    
Financial assets [abstract]    
Beginning balance, financial assets 3,280  
Ending balance, financial assets 4,827  
Financial liabilities [abstract]    
Beginning balance, financial liabilities 0  
Ending balance, financial liabilities 0  
Equity cash products [member]    
Financial assets [abstract]    
Beginning balance, financial assets 1,228  
Ending balance, financial assets 1,145  
Financial liabilities [abstract]    
Beginning balance, financial liabilities 0  
Ending balance, financial liabilities 0  
Private equity investments [member]    
Financial assets [abstract]    
Beginning balance, financial assets 112  
Ending balance, financial assets 126  
Financial liabilities [abstract]    
Beginning balance, financial liabilities 0  
Ending balance, financial liabilities 0  
Other [member]    
Financial assets [abstract]    
Beginning balance, financial assets [3] 971  
Ending balance, financial assets [3] 903  
Financial liabilities [abstract]    
Beginning balance, financial liabilities [3] (176)  
Ending balance, financial liabilities [3] (179)  
Other [member] | Financial liabilities designated at fair value [member] | Recurring fair value measurement [member]    
Financial liabilities [abstract]    
Beginning balance, financial liabilities (197)  
Purchases, fair value measurement, liabilities 0  
Sales, fair value measurement, liabilities 0  
Issues, fair value measurement, liabilities 0  
Settlements, fair value measurement, liabilities 0  
Total gains or losses recognised in OCI, liabilities 0  
Transfers into Level 3 of fair value hierarchy, liabilities 0  
Transfers out of Level 3 of fair value hierarchy, liabilities 12  
Ending balance, financial liabilities (198)  
Other [member] | Financial liabilities designated at fair value [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category trading [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities (12)  
Other [member] | Financial liabilities designated at fair value [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category other income [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities (1)  
Certificates of deposit, commercial paper and other money market instruments [member] | Financial liabilities designated at fair value [member] | Recurring fair value measurement [member]    
Financial liabilities [abstract]    
Beginning balance, financial liabilities   (10)
Purchases, fair value measurement, liabilities   0
Sales, fair value measurement, liabilities   0
Issues, fair value measurement, liabilities   0
Settlements, fair value measurement, liabilities   1
Transfers into Level 3 of fair value hierarchy, liabilities   (11)
Transfers out of Level 3 of fair value hierarchy, liabilities   0
Ending balance, financial liabilities   (21)
Certificates of deposit, commercial paper and other money market instruments [member] | Financial liabilities designated at fair value [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category trading [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities   0
Certificates of deposit, commercial paper and other money market instruments [member] | Financial liabilities designated at fair value [member] | Recurring fair value measurement [member] | Financial liabilities at fair value through profit or loss, category other income [member]    
Financial liabilities [abstract]    
Total gains and losses in the period recognised in the income statement, liabilities   (1)
Trading portfolio assets [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 2,264 3,613
Purchases, fair value measurement, assets 2,250 1,436
Sales, fair value measurement, assets (968) (1,424)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (80) (51)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 178 183
Transfers out of Level 3 of fair value hierarchy, assets (352) (228)
Ending balance, financial assets 3,078 3,548
Trading portfolio assets [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (214) 19
Trading portfolio assets [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Trading portfolio assets [member] | Asset-backed loans [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 656 664
Purchases, fair value measurement, assets 249 81
Sales, fair value measurement, assets (224) (127)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (76) 0
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 41 16
Transfers out of Level 3 of fair value hierarchy, assets (11) (29)
Ending balance, financial assets 623 610
Trading portfolio assets [member] | Asset-backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (12) 5
Trading portfolio assets [member] | Asset-backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Trading portfolio assets [member] | Government and government sponsored debt [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets   14
Purchases, fair value measurement, assets   2
Sales, fair value measurement, assets   0
Issues, fair value measurement, assets   0
Settlements, fair value measurement, assets   0
Transfers into Level 3 of fair value hierarchy, assets   0
Transfers out of Level 3 of fair value hierarchy, assets   (14)
Ending balance, financial assets   2
Trading portfolio assets [member] | Government and government sponsored debt [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Trading portfolio assets [member] | Government and government sponsored debt [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Trading portfolio assets [member] | Corporate debt [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 120 388
Purchases, fair value measurement, assets 25 70
Sales, fair value measurement, assets 0 (24)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets 0 (31)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 4 32
Transfers out of Level 3 of fair value hierarchy, assets (17) (74)
Ending balance, financial assets 106 375
Trading portfolio assets [member] | Corporate debt [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (26) 14
Trading portfolio assets [member] | Corporate debt [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Trading portfolio assets [member] | Non-asset backed loans [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 974 2,263
Purchases, fair value measurement, assets 1,927 1,235
Sales, fair value measurement, assets (740) (1,260)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (4) (19)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 97 19
Transfers out of Level 3 of fair value hierarchy, assets (320) (90)
Ending balance, financial assets 1,823 2,160
Trading portfolio assets [member] | Non-asset backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (111) 12
Trading portfolio assets [member] | Non-asset backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Trading portfolio assets [member] | Equity cash products [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 392 136
Purchases, fair value measurement, assets 2 48
Sales, fair value measurement, assets (4) (13)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets 0 0
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 28 116
Transfers out of Level 3 of fair value hierarchy, assets (4) (20)
Ending balance, financial assets 347 265
Trading portfolio assets [member] | Equity cash products [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (67) (2)
Trading portfolio assets [member] | Equity cash products [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Trading portfolio assets [member] | Other [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 122 148
Purchases, fair value measurement, assets 47 0
Sales, fair value measurement, assets 0 0
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets 0 (1)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 8 0
Transfers out of Level 3 of fair value hierarchy, assets 0 (1)
Ending balance, financial assets 179 136
Trading portfolio assets [member] | Other [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 2 (10)
Trading portfolio assets [member] | Other [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Financial assets at fair value through income statement [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 4,162 4,650
Purchases, fair value measurement, assets 2,930 2,349
Sales, fair value measurement, assets (2,289) (2,622)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (125) (145)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 44 24
Transfers out of Level 3 of fair value hierarchy, assets (12) (841)
Ending balance, financial assets 4,822 3,687
Financial assets at fair value through income statement [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 82 91
Financial assets at fair value through income statement [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 30 181
Financial assets at fair value through income statement [member] | Non-asset backed loans [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 1,964 1,836
Purchases, fair value measurement, assets 1,050 2
Sales, fair value measurement, assets (270) 0
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (112) (132)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 0 0
Transfers out of Level 3 of fair value hierarchy, assets 0 (1)
Ending balance, financial assets 2,742 1,775
Financial assets at fair value through income statement [member] | Non-asset backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 110 70
Financial assets at fair value through income statement [member] | Non-asset backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Financial assets at fair value through income statement [member] | Equity cash products [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 835 559
Purchases, fair value measurement, assets 14 9
Sales, fair value measurement, assets 0 0
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets 0 (10)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 0 0
Transfers out of Level 3 of fair value hierarchy, assets 0 0
Ending balance, financial assets 798 740
Financial assets at fair value through income statement [member] | Equity cash products [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (22) 4
Financial assets at fair value through income statement [member] | Equity cash products [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (29) 178
Financial assets at fair value through income statement [member] | Private equity investments [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 113 191
Purchases, fair value measurement, assets 1 4
Sales, fair value measurement, assets (2) (3)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets 0 (1)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 20 0
Transfers out of Level 3 of fair value hierarchy, assets (12) 0
Ending balance, financial assets 126 185
Financial assets at fair value through income statement [member] | Private equity investments [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 2 0
Financial assets at fair value through income statement [member] | Private equity investments [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 4 (6)
Financial assets at fair value through income statement [member] | Other [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 1,250 2,064
Purchases, fair value measurement, assets 1,865 2,334
Sales, fair value measurement, assets (2,017) (2,619)
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (13) (2)
Total gains or losses recognised in OCI, assets 0  
Transfers into Level 3 of fair value hierarchy, assets 24 24
Transfers out of Level 3 of fair value hierarchy, assets 0 (840)
Ending balance, financial assets 1,156 987
Financial assets at fair value through income statement [member] | Other [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets (8) 17
Financial assets at fair value through income statement [member] | Other [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 55 9
Financial assets at fair value through other comprehensive income [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 429 355
Purchases, fair value measurement, assets 79 88
Sales, fair value measurement, assets (1) 0
Issues, fair value measurement, assets 0 0
Settlements, fair value measurement, assets (157) (55)
Total gains or losses recognised in OCI, assets (4)  
Transfers into Level 3 of fair value hierarchy, assets 0 0
Transfers out of Level 3 of fair value hierarchy, assets 0 (218)
Ending balance, financial assets 347 170
Financial assets at fair value through other comprehensive income [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 1 0
Financial assets at fair value through other comprehensive income [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0 0
Financial assets at fair value through other comprehensive income [member] | Asset-backed loans [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 86  
Purchases, fair value measurement, assets 0  
Sales, fair value measurement, assets (1)  
Issues, fair value measurement, assets 0  
Settlements, fair value measurement, assets 0  
Total gains or losses recognised in OCI, assets (1)  
Transfers into Level 3 of fair value hierarchy, assets 0  
Transfers out of Level 3 of fair value hierarchy, assets 0  
Ending balance, financial assets 85  
Financial assets at fair value through other comprehensive income [member] | Asset-backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 1  
Financial assets at fair value through other comprehensive income [member] | Asset-backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0  
Financial assets at fair value through other comprehensive income [member] | Non-asset backed loans [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets 343  
Purchases, fair value measurement, assets 79  
Sales, fair value measurement, assets 0  
Issues, fair value measurement, assets 0  
Settlements, fair value measurement, assets (157)  
Total gains or losses recognised in OCI, assets (3)  
Transfers into Level 3 of fair value hierarchy, assets 0  
Transfers out of Level 3 of fair value hierarchy, assets 0  
Ending balance, financial assets 262  
Financial assets at fair value through other comprehensive income [member] | Non-asset backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets 0  
Financial assets at fair value through other comprehensive income [member] | Non-asset backed loans [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets £ 0  
Financial assets at fair value through other comprehensive income [member] | Equity cash products [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets   353
Purchases, fair value measurement, assets   48
Sales, fair value measurement, assets   0
Issues, fair value measurement, assets   0
Settlements, fair value measurement, assets   (55)
Transfers into Level 3 of fair value hierarchy, assets   0
Transfers out of Level 3 of fair value hierarchy, assets   (218)
Ending balance, financial assets   128
Financial assets at fair value through other comprehensive income [member] | Equity cash products [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Financial assets at fair value through other comprehensive income [member] | Equity cash products [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Financial assets at fair value through other comprehensive income [member] | Private equity investments [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets   0
Purchases, fair value measurement, assets   40
Sales, fair value measurement, assets   0
Issues, fair value measurement, assets   0
Settlements, fair value measurement, assets   0
Transfers into Level 3 of fair value hierarchy, assets   0
Transfers out of Level 3 of fair value hierarchy, assets   0
Ending balance, financial assets   40
Financial assets at fair value through other comprehensive income [member] | Private equity investments [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Financial assets at fair value through other comprehensive income [member] | Private equity investments [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Financial assets at fair value through other comprehensive income [member] | Other [member] | Recurring fair value measurement [member]    
Financial assets [abstract]    
Beginning balance, financial assets   2
Purchases, fair value measurement, assets   0
Sales, fair value measurement, assets   0
Issues, fair value measurement, assets   0
Settlements, fair value measurement, assets   0
Transfers into Level 3 of fair value hierarchy, assets   0
Transfers out of Level 3 of fair value hierarchy, assets   0
Ending balance, financial assets   2
Financial assets at fair value through other comprehensive income [member] | Other [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category trading [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   0
Financial assets at fair value through other comprehensive income [member] | Other [member] | Recurring fair value measurement [member] | Financial assets at fair value through profit or loss, category other income [member]    
Financial assets [abstract]    
Total gains and losses in the period recognised in the income statement, assets   £ 0
[1]

Derivative financial instruments are represented on a net basis. On a gross basis, derivative financial assets were £ 7,747 m and derivative financial liabilities were £ 8,932 m.

[2]

Derivative financial instruments are presented on a net basis. On a gross basis, derivative financial assets were £ 5,701 m and derivative financial liabilities were £ 4,799 m.

[3]

Other includes commercial real estate loans, fund and fund-linked products, asset backed loans, issued debt, commercial paper, government sponsored debt and investment property.

XML 57 R47.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Narrative) (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Disclosure of detailed information about financial instruments [line items]    
Derivative financial assets £ 307,650 £ 229,641
Derivative financial liabilities 307,989 228,940
Significant unobservable inputs (Level 3) [member] | Recurring fair value measurement [member]    
Disclosure of detailed information about financial instruments [line items]    
Derivative financial assets 7,747 5,701
Derivative financial liabilities £ 8,932 £ 4,799
XML 58 R48.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Unrealised gains and losses recognised in the period on Level 3 assets and liabilities held at period end (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Disclosure of detailed information about financial instruments [line items]    
Trading income £ 4,225 £ 2,093
Other income 8 42
Other comprehensive income 3,723 1,107
Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income 181 316
Other income (27) 177
Other comprehensive income (2) 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end 152 493
Significant unobservable inputs (Level 3) [member] | Investment properties [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income 0 0
Other income (2) (1)
Other comprehensive income 0 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end (2) (1)
Significant unobservable inputs (Level 3) [member] | Net derivative financial instruments [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income 248 212
Other income 0 0
Other comprehensive income 0 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end 248 212
Trading portfolio liabilities [member] | Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income 0 2
Other income 0 0
Other comprehensive income 0 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end 0 2
Financial liabilities designated at fair value [member] | Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income (16) 6
Other income (1) 0
Other comprehensive income 0 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end (17) 6
Trading portfolio assets [member] | Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income (177) 21
Other income 0 0
Other comprehensive income 0 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end (177) 21
Financial assets at fair value through income statement [member] | Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income 126 75
Other income (24) 178
Other comprehensive income 0 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end 102 253
Financial assets at fair value through other comprehensive income, category [member] | Significant unobservable inputs (Level 3) [member]    
Disclosure of detailed information about financial instruments [line items]    
Trading income 0 0
Other income 0 0
Other comprehensive income (2) 0
Total unrealised gains and losses recognised during the period on Level 3 assets and liabilities held at period end £ (2) £ 0
XML 59 R49.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Sensitivity analysis of valuations using unobservable inputs (Details) - Recurring fair value measurement [member] - Significant unobservable inputs (Level 3) [member] - GBP (£)
Jun. 30, 2020
Dec. 31, 2019
Favourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions £ 789,000,000 £ 512,000,000
Favourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 4,000,000 8,000,000
Unfavourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (1,106,000,000) (745,000,000)
Unfavourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (4,000,000) (8,000,000)
Corporate debt [member] | Favourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 23,000,000 11,000,000
Corporate debt [member] | Favourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Corporate debt [member] | Unfavourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (23,000,000) (16,000,000)
Corporate debt [member] | Unfavourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Non-asset backed loans [member] | Favourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 159,000,000 125,000,000
Non-asset backed loans [member] | Favourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 4,000,000 8,000,000
Non-asset backed loans [member] | Unfavourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (322,000,000) (228,000,000)
Non-asset backed loans [member] | Unfavourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (4,000,000) (8,000,000)
Equity cash products [member] | Favourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 164,000,000 123,000,000
Equity cash products [member] | Favourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Equity cash products [member] | Unfavourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (206,000,000) (175,000,000)
Equity cash products [member] | Unfavourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Private equity investments [member] | Favourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 18,000,000 16,000,000
Private equity investments [member] | Favourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Private equity investments [member] | Unfavourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (19,000,000) (25,000,000)
Private equity investments [member] | Unfavourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Other [member] | Favourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions [1] 2,000,000 1,000,000
Other [member] | Favourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions [1] 0 0
Other [member] | Unfavourable changes [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions [1] (2,000,000) (1,000,000)
Other [member] | Unfavourable changes [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions [1] 0 0
Interest rate derivatives [member] | Favourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 138,000,000 44,000,000
Interest rate derivatives [member] | Favourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Interest rate derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (256,000,000) (127,000,000)
Interest rate derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Foreign exchange derivatives [member] | Favourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 7,000,000 5,000,000
Foreign exchange derivatives [member] | Favourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Foreign exchange derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (11,000,000) (7,000,000)
Foreign exchange derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Credit derivatives [member] | Favourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 127,000,000 73,000,000
Credit derivatives [member] | Favourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Credit derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (109,000,000) (47,000,000)
Credit derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Equity derivatives [member] | Favourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 151,000,000 114,000,000
Equity derivatives [member] | Favourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Equity derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions (158,000,000) (119,000,000)
Equity derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Commodity derivatives [member] | Favourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Commodity derivatives [member] | Favourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Commodity derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Income statement [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions 0 0
Commodity derivatives [member] | Unfavourable changes [member] | Derivatives [member] | Equity [member]    
Disclosure of detailed information about financial instruments [line items]    
Sensitivity analysis valuation due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions £ 0 £ 0
[1]

Other includes commercial real estate loans, fund and fund-linked products , asset backed loans, issued debt, commercial paper, government sponsored debt and investment propert y.

XML 60 R50.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Fair value adjustments (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Exit price adjustments derived from market bid-offer spreads [member]    
Disclosure of detailed information about financial instruments [line items]    
Fair value adjustments £ (564) £ (420)
Uncollateralised derivative funding [member]    
Disclosure of detailed information about financial instruments [line items]    
Fair value adjustments (181) (57)
Derivative credit valuation adjustments [member]    
Disclosure of detailed information about financial instruments [line items]    
Fair value adjustments (378) (135)
Derivative debit valuation adjustments [member]    
Disclosure of detailed information about financial instruments [line items]    
Fair value adjustments £ 148 £ 155
XML 61 R51.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments - Comparison of carrying amounts and fair values for assets and liabilities not held at fair value (Details) - GBP (£)
Jun. 30, 2020
Dec. 31, 2019
Dec. 31, 2018
Financial assets [abstract]      
Loans and advances at amortised cost £ 150,203,000,000 £ 141,636,000,000  
Reverse repurchase agreements and other similar secured lending 19,811,000,000 1,731,000,000  
Financial liabilities [abstract]      
Deposits at amortised cost (245,737,000,000) (213,881,000,000)  
Repurchase agreements and other similar secured borrowing (4,033,000,000) (2,032,000,000)  
Debt securities in issue (50,496,000,000) (33,536,000,000)  
Subordinated liabilities (36,965,000,000) (33,425,000,000) £ (35,327,000,000)
Fair value [member]      
Financial assets [abstract]      
Loans and advances at amortised cost 149,511 141,251,000,000  
Reverse repurchase agreements and other similar secured lending 19,811 1,731,000,000  
Financial liabilities [abstract]      
Deposits at amortised cost (245,758) (213,897,000,000)  
Repurchase agreements and other similar secured borrowing (4,033) (2,032,000,000)  
Debt securities in issue (50,568) (33,529,000,000)  
Subordinated liabilities (37,675) (34,861,000,000)  
Gross carrying amount [member]      
Financial assets [abstract]      
Loans and advances at amortised cost 150,203 141,636,000,000  
Reverse repurchase agreements and other similar secured lending 19,811 1,731,000,000  
Financial liabilities [abstract]      
Deposits at amortised cost (245,737) (213,881,000,000)  
Repurchase agreements and other similar secured borrowing (4,033) (2,032,000,000)  
Debt securities in issue (50,496) (33,536,000,000)  
Subordinated liabilities £ (36,965) £ (33,425,000,000)  
XML 62 R52.htm IDEA: XBRL DOCUMENT v3.20.2
Fair value of financial instruments (Narrative) (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Dec. 31, 2019
Disclosure of detailed information about financial instruments [line items]    
Deposits at amortised cost £ 245,737 £ 213,881
Brokered certificates of deposit [member]    
Disclosure of detailed information about financial instruments [line items]    
Description of existence of third-party credit enhancement Structured and brokered certificates of deposit issued by Barclays Bank Group are insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation (FDIC) in the United States. The FDIC is funded by premiums that the Barclays Bank Group and other banks pay for deposit insurance coverage.  
Description of whether third-party credit enhancement is reflected in fair value measurement The carrying value of these issued certificates of deposit that are designated under the IFRS 9 fair value option includes this third party credit enhancement.  
Deposits at amortised cost £ 3,162 3,218
Significant unobservable inputs (Level 3) [member] | Favourable changes [member]    
Disclosure of detailed information about financial instruments [line items]    
Increase in fair value measurement due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions, assets (liabilities) 793 520
Decrease in fair value measurement due to change in one or more unobservable inputs to reflect reasonably possible alternative assumptions, assets (liabilities) 1,110 753
Exit price adjustments derived from market bid-offer spreads [member]    
Disclosure of detailed information about financial instruments [line items]    
Increase (decrease) in fair value adjustments of derivatives (144)  
Fair value adjustments (564) (420)
Uncollateralised derivative funding [member]    
Disclosure of detailed information about financial instruments [line items]    
Increase (decrease) in fair value adjustments of derivatives (124)  
Fair value adjustments (181) (57)
Derivative credit valuation adjustments [member]    
Disclosure of detailed information about financial instruments [line items]    
Increase (decrease) in fair value adjustments of derivatives (243)  
Fair value adjustments (378) (135)
Derivative debit valuation adjustments [member]    
Disclosure of detailed information about financial instruments [line items]    
Increase (decrease) in fair value adjustments of derivatives 7  
Fair value adjustments 148 155
Financial instruments at fair value, category [member] | Significant unobservable inputs (Level 3) [member] | Recurring fair value measurement [member]    
Disclosure of detailed information about financial instruments [line items]    
Aggregate difference between fair value at initial recognition and transaction price yet to be recognised in profit or loss 101 100
Additions, aggregate difference between fair value at initial recognition and transaction price yet to be recognised in profit or loss 11 40
Amortisation and releases, aggregate difference between fair value at initial recognition and transaction price yet to be recognised in profit or loss 10 67
Financial instruments at amortised cost, category [member] | Significant unobservable inputs (Level 3) [member] | Recurring fair value measurement [member]    
Disclosure of detailed information about financial instruments [line items]    
Aggregate difference between fair value at initial recognition and transaction price yet to be recognised in profit or loss 31 31
Additions, aggregate difference between fair value at initial recognition and transaction price yet to be recognised in profit or loss 1 2
Amortisation and releases, aggregate difference between fair value at initial recognition and transaction price yet to be recognised in profit or loss £ 1 £ 2
XML 63 R53.htm IDEA: XBRL DOCUMENT v3.20.2
Subordinated liabilities (Details) - GBP (£)
£ in Millions
 6 Months Ended 12 Months Ended
Jun. 30, 2020
Dec. 31, 2019
7. Subordinated liabilities    
Opening balance as at 1 January £ 33,425 £ 35,327
Issuances 3,162 6,785
Redemptions (2,814) (7,804)
Other 3,192 (883)
Closing balance £ 36,965 £ 33,425
XML 64 R54.htm IDEA: XBRL DOCUMENT v3.20.2
Subordinated liabilities (Narrative) (Details) - GBP (£)
£ in Millions
 6 Months Ended 12 Months Ended
Jun. 30, 2020
Dec. 31, 2019
Disclosure of detailed information about borrowings [line items]    
Issuances £ 3,162 £ 6,785
Redemption of subordinated debt 2,814 £ 7,804
Fixed interest rate [member] | Barclays Bank PLC externally issued [member]    
Disclosure of detailed information about borrowings [line items]    
Redemption of subordinated debt 30  
Barclays Bank PLC loans issued intra-group Barclays PLC [member]    
Disclosure of detailed information about borrowings [line items]    
Issuances 3,082  
Redemption of subordinated debt 2,518  
USD Floating Rate Notes [member]    
Disclosure of detailed information about borrowings [line items]    
Issuances 80  
Redemption of subordinated debt £ 266  
XML 65 R55.htm IDEA: XBRL DOCUMENT v3.20.2
Provisions - Total Provisions (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Disclosure of other provisions [line items]    
Provisions £ 1,085 £ 951
Customer redress [member]    
Disclosure of other provisions [line items]    
Provisions 27 71
Legal, competition and regulatory matters [member]    
Disclosure of other provisions [line items]    
Provisions 250 374
Redundancy and restructuring [member]    
Disclosure of other provisions [line items]    
Provisions 34 63
Undrawn contractually committed facilities and guarantees [member]    
Disclosure of other provisions [line items]    
Provisions 593 252
Onerous contracts [member]    
Disclosure of other provisions [line items]    
Provisions 9 20
Sundry provisions [member]    
Disclosure of other provisions [line items]    
Provisions £ 172 £ 171
XML 66 R56.htm IDEA: XBRL DOCUMENT v3.20.2
Retirement benefits (Narrative) (Details) - GBP (£)
£ in Billions
Jun. 30, 2020
Dec. 31, 2019
Disclosure of fair value of plan assets [line items]    
Surplus (deficit) in plan £ 2.5 £ 1.8
United Kingdom Retirement Fund (UKRF) [member] | Pension defined benefit plans [member] | UK [member]    
Disclosure of fair value of plan assets [line items]    
Surplus (deficit) in plan £ 2.8 £ 2.1
XML 67 R57.htm IDEA: XBRL DOCUMENT v3.20.2
Retirement benefits - UKRF funding valuations (Narrative) (Details) - GBP (£)
£ in Millions
 1 Months Ended 6 Months Ended
Jun. 12, 2020
Feb. 29, 2020
Jun. 30, 2020
Dec. 31, 2019
Disclosure of fair value of plan assets [line items]        
Surplus (deficit) in plan     £ (2,500) £ (1,800)
United Kingdom Retirement Fund (UKRF) [member] | Pension defined benefit plans [member] | UK [member]        
Disclosure of fair value of plan assets [line items]        
Surplus (deficit) in plan     £ (2,800) £ (2,100)
United Kingdom Retirement Fund (UKRF) [member] | Pension defined benefit plans [member] | UK [member] | The Senior Notes [Member] | Heron Issuer Limited [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Notes issued £ 750      
Maturity Date     These Senior Notes entitle the UKRF to semi-annual coupon payments for five years, and full repayment in cash in three equal tranches in 2023, 2024, and at final maturity in 2025.  
Debt securities issued 750      
Regulatory capital impact 250      
United Kingdom Retirement Fund (UKRF) [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member]        
Disclosure of fair value of plan assets [line items]        
Surplus (deficit) in plan   £ 2,300    
Funding level percentage   94.00%    
United Kingdom Retirement Fund (UKRF) [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Defined benefit contributions paid £ 500      
United Kingdom Retirement Fund (UKRF) [member] | 2019 [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Deficit reduction contributions   £ 500    
United Kingdom Retirement Fund (UKRF) [member] | 2020 [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Deficit reduction contributions   500    
United Kingdom Retirement Fund (UKRF) [member] | 2020 [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Deficit reduction contributions   700    
United Kingdom Retirement Fund (UKRF) [member] | 2021 [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Deficit reduction contributions   294    
United Kingdom Retirement Fund (UKRF) [member] | 2022 [member] | Deficit contributions 30 September 2019 valuation [member] | Pension defined benefit plans [member] | UK [member] | Barclays Bank PLC [member]        
Disclosure of fair value of plan assets [line items]        
Deficit reduction contributions   £ 286    
XML 68 R58.htm IDEA: XBRL DOCUMENT v3.20.2
Called up share capital (Narrative) (Details)
 6 Months Ended
Jun. 30, 2020
GBP (£)
£ / shares
shares
Jun. 30, 2020
€ / shares
Jun. 30, 2020
$ / shares
Dec. 31, 2019
GBP (£)
shares
Ordinary share capital [member]        
Number of shares issued | shares 2,342,000,000     2,342,000,000
Par value per share | £ / shares £ 1      
Proceeds From Issuing Shares £ 0      
Redemption of shares 0      
Preference share capital [member]        
Proceeds From Issuing Shares 0      
Redemption of shares 0      
Preference share capital [member] | Barclays Bank PLC [member]        
Called up share capital £ 6,000,000     £ 6,000,000
Sterling 1 Preference Shares [member]        
Number of shares issued | shares 1,000     1,000
Par value per share | £ / shares £ 1      
Euro Preference Shares [member]        
Number of shares issued | shares 31,856     31,856
Par value per share | € / shares   € 100    
US Dollar Preference Shares $100 [member]        
Number of shares issued | shares 58,133     58,133
Par value per share | $ / shares     $ 100  
XML 69 R59.htm IDEA: XBRL DOCUMENT v3.20.2
Other equity instruments (Narrative) (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Jun. 30, 2019
Dec. 31, 2018
Equity £ 56,694 £ 50,615 £ 52,610 £ 47,711
Other equity instruments [member]        
Equity £ 8,323 £ 8,323 £ 9,402 £ 7,595
XML 70 R60.htm IDEA: XBRL DOCUMENT v3.20.2
Other reserves (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Disclosure of reserves within equity [line items]    
Total Reserves £ 6,319 £ 3,235
Currency translation reserve [member]    
Disclosure of reserves within equity [line items]    
Total Reserves 4,769 3,383
Fair value through other comprehensive income reserve [member]    
Disclosure of reserves within equity [line items]    
Total Reserves (2) (139)
Cash flow hedging reserve [member]    
Disclosure of reserves within equity [line items]    
Total Reserves 1,453 388
Own credit reserve [member]    
Disclosure of reserves within equity [line items]    
Total Reserves 123 (373)
Other reserves [member]    
Disclosure of reserves within equity [line items]    
Total Reserves £ (24) £ (24)
XML 71 R61.htm IDEA: XBRL DOCUMENT v3.20.2
Other reserves (Narrative) (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Dec. 31, 2019
Jun. 30, 2019
Disclosure of reserves within equity [line items]      
Other reserves £ (6,319) £ (3,235)  
Other 1 3 £ (1)
Currency translation reserve [member]      
Disclosure of reserves within equity [line items]      
Other reserves (4,769) (3,383)  
Movements (1,386)    
Fair value through other comprehensive income reserve [member]      
Disclosure of reserves within equity [line items]      
Other reserves 2 139  
Movements (137)    
Changes in fair value 277    
Net gains transferred to net profits 114    
Tax 42    
Cash flow hedging reserve [member]      
Disclosure of reserves within equity [line items]      
Other reserves (1,453) (388)  
Movements (1,065)    
Changes in fair value 1,587    
Net gains transferred to net profits 117    
Tax 408    
Own credit reserve [member]      
Disclosure of reserves within equity [line items]      
Other reserves (123) 373  
Movements (496)    
Funding spreads 845    
Other 209    
Tax 144    
Other reserves [member]      
Disclosure of reserves within equity [line items]      
Other reserves £ 24 £ 24  
XML 72 R62.htm IDEA: XBRL DOCUMENT v3.20.2
Contingent liabilities and commitments (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Contingent liabilities [member]    
Disclosure of contingent liabilities [line items]    
Notional amount £ 22,414 £ 23,777
Loan commitments [member]    
Disclosure of contingent liabilities [line items]    
Notional amount 265,538 270,027
Guarantees and letters of credit pledged as collateral security [member] | Contingent liabilities [member]    
Disclosure of contingent liabilities [line items]    
Notional amount 15,825 17,006
Performance guarantees, acceptances and endorsements [member] | Contingent liabilities [member]    
Disclosure of contingent liabilities [line items]    
Notional amount 6,589 6,771
Documentary credits and other short-term trade related transactions [Member] | Loan commitments [member]    
Disclosure of contingent liabilities [line items]    
Notional amount 1,162 1,291
Standby facilities, credit lines and other commitments [member] | Loan commitments [member]    
Disclosure of contingent liabilities [line items]    
Notional amount £ 264,376 £ 268,736
XML 73 R63.htm IDEA: XBRL DOCUMENT v3.20.2
Legal, competition and regulatory matters (Narrative) (Details)
£ in Millions, $ in Millions
 1 Months Ended 6 Months Ended 12 Months Ended
Mar. 31, 2018
GBP (£)
Mar. 31, 2018
USD ($)
Jan. 31, 2017
GBP (£)
Sep. 30, 2013
GBP (£)
Jun. 30, 2020
GBP (£)
Jun. 30, 2020
USD ($)
Jun. 30, 2019
GBP (£)
Dec. 31, 2018
GBP (£)
Dec. 31, 2018
USD ($)
Dec. 31, 2015
GBP (£)
lawsuits
Dec. 31, 2012
GBP (£)
Dec. 31, 2008
GBP (£)
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements         £ 19.0   £ 68.0          
Investigations into certain advisory services agreements and other matters and civil action [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         In 2008, Barclays Bank PLC and Qatar Holdings LLC entered into two advisory service agreements (the Agreements). The Financial Conduct Authority (FCA) conducted an investigation into whether the Agreements may have related to Barclays PLC’s capital raisings in June and November 2008 (the Capital Raisings) and therefore should have been disclosed in the announcements or public documents relating to the Capital Raisings. In 2013, the FCA issued warning notices (the Notices) finding that Barclays PLC and Barclays Bank PLC acted recklessly and in breach of certain disclosure-related listing rules, and that Barclays PLC was also in breach of Listing Principle 3. The financial penalty provided in the Notices is £50m. Barclays PLC and Barclays Bank PLC continue to contest the findings. Following the conclusion of the Serious Fraud Office (SFO) proceedings against certain former Barclays executives resulting in their acquittals, the FCA proceedings, which were stayed, have resumed. All charges brought by the SFO against Barclays PLC and Barclays Bank PLC in relation to the Agreements were dismissed in 2018. In 2008, Barclays Bank PLC and Qatar Holdings LLC entered into two advisory service agreements (the Agreements). The Financial Conduct Authority (FCA) conducted an investigation into whether the Agreements may have related to Barclays PLC’s capital raisings in June and November 2008 (the Capital Raisings) and therefore should have been disclosed in the announcements or public documents relating to the Capital Raisings. In 2013, the FCA issued warning notices (the Notices) finding that Barclays PLC and Barclays Bank PLC acted recklessly and in breach of certain disclosure-related listing rules, and that Barclays PLC was also in breach of Listing Principle 3. The financial penalty provided in the Notices is £50m. Barclays PLC and Barclays Bank PLC continue to contest the findings. Following the conclusion of the Serious Fraud Office (SFO) proceedings against certain former Barclays executives resulting in their acquittals, the FCA proceedings, which were stayed, have resumed. All charges brought by the SFO against Barclays PLC and Barclays Bank PLC in relation to the Agreements were dismissed in 2018.            
FCA Proceedings and other investigations [Member]                        
Disclosure of contingent liabilities [line items]                        
Loss contingency, Financial penalty warning       £ 50.0                
Civil action [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         PCP Capital Partners LLP and PCP International Finance Limited (PCP) are seeking damages of approximately £1.6bn from Barclays Bank PLC for fraudulent misrepresentation and deceit, arising from alleged statements made by Barclays Bank PLC to PCP in relation to the terms on which securities were to be issued to potential investors, allegedly including PCP, in the November 2008 capital raising. Barclays Bank PLC is defending the claim and trial commenced in June 2020. PCP Capital Partners LLP and PCP International Finance Limited (PCP) are seeking damages of approximately £1.6bn from Barclays Bank PLC for fraudulent misrepresentation and deceit, arising from alleged statements made by Barclays Bank PLC to PCP in relation to the terms on which securities were to be issued to potential investors, allegedly including PCP, in the November 2008 capital raising. Barclays Bank PLC is defending the claim and trial commenced in June 2020.            
Loss Contingency, Damages Sought, claimed amounts, Value         £ 1,600.0              
Investigations into LIBOR and other benchmarks [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         Regulators and law enforcement agencies, including certain competition authorities, from a number of governments have conducted investigations relating to Barclays Bank PLC’s involvement in allegedly manipulating certain financial benchmarks, such as LIBOR. The SFO has closed its investigation with no action to be taken against the Barclays Group. Various individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Barclays Group and other banks in relation to the alleged manipulation of LIBOR and/or other benchmarks. Certain actions remain pending. Regulators and law enforcement agencies, including certain competition authorities, from a number of governments have conducted investigations relating to Barclays Bank PLC’s involvement in allegedly manipulating certain financial benchmarks, such as LIBOR. The SFO has closed its investigation with no action to be taken against the Barclays Group. Various individuals and corporates in a range of jurisdictions have threatened or brought civil actions against the Barclays Group and other banks in relation to the alleged manipulation of LIBOR and/or other benchmarks. Certain actions remain pending.            
USD LIBOR Cases in MDL Court [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         The majority of the USD LIBOR cases, which have been filed in various US jurisdictions, have been consolidated for pre-trial purposes before a single judge in the US District Court in the Southern District of New York (SDNY). The majority of the USD LIBOR cases, which have been filed in various US jurisdictions, have been consolidated for pre-trial purposes before a single judge in the US District Court in the Southern District of New York (SDNY).            
Number of lawsuits with specified damages sought | lawsuits                   3    
USD LIBOR Cases in MDL Court [Member] | Lawsuits with specified damages sought [Member]                        
Disclosure of contingent liabilities [line items]                        
Loss Contingency, Damages Sought, claimed amounts, Value                     £ 900.0  
USD LIBOR Cases in MDL Court [Member] | Exchange-Based Class claims [Member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements         £ 20.0              
USD LIBOR Cases in MDL Court [Member] | Debt Securities Class claims [Member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements         £ 7.1              
Foreign Exchange investigations [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         In 2015, the Barclays Group reached settlements totalling approximately $2.38bn with various US federal and state authorities and the FCA in relation to investigations into certain sales and trading practices in the Foreign Exchange market. Under the related plea agreement with the US Department of Justice (DoJ), which received final court approval in January 2017, the Barclays Group agreed to a term of probation of three years, which expired in January 2020. The Barclays Group also continues to provide relevant information to certain authorities. In 2015, the Barclays Group reached settlements totalling approximately $2.38bn with various US federal and state authorities and the FCA in relation to investigations into certain sales and trading practices in the Foreign Exchange market. Under the related plea agreement with the US Department of Justice (DoJ), which received final court approval in January 2017, the Barclays Group agreed to a term of probation of three years, which expired in January 2020. The Barclays Group also continues to provide relevant information to certain authorities.            
Losses on litigation settlements                   £ 2,380.0    
Number of years probation     3 years                  
Foreign Exchange investigations [Member] | Fines settlement [Member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements     £ 210.0                  
Foreign Exchange investigations [Member] | Violation of NPA [Member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements     £ 27.0                  
Consolidated FX Action [Member] | Barclays Capital Inc [Member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements               £ 384.0        
US residential and commercial mortgage-related activity and litigation [Member] | Originated and sold to third parties by Acquired Subsidiary [Member] | RMBS Repurchase Requests [Member]                        
Disclosure of contingent liabilities [line items]                        
Original unpaid principal balance at time of sale         £ 2,100.0              
Government and agency securities civil actions and related matters [Member] | Barclays PLC [member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements | $                 $ 5.7      
Government and agency securities civil actions and related matters [Member] | Barclays Capital Inc [Member]                        
Disclosure of contingent liabilities [line items]                        
Losses on litigation settlements | $           $ 87.0            
Civil actions in respect of the US Anti-Terrorism Act [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         There are a number of civil actions, on behalf of more than 4,000 plaintiffs, filed in US federal courts in the US District Court in the Eastern District of New York (EDNY) and SDNY against Barclays Bank PLC and a number of other banks. The complaints generally allege that Barclays Bank PLC and those banks engaged in a conspiracy to facilitate US dollar-denominated transactions for the Government of Iran and various Iranian banks, which in turn funded acts of terrorism that injured or killed plaintiffs or plaintiffs’ family members. The plaintiffs seek to recover damages for pain, suffering and mental anguish under the provisions of the US Anti-Terrorism Act, which allow for the trebling of any proven damages. There are a number of civil actions, on behalf of more than 4,000 plaintiffs, filed in US federal courts in the US District Court in the Eastern District of New York (EDNY) and SDNY against Barclays Bank PLC and a number of other banks. The complaints generally allege that Barclays Bank PLC and those banks engaged in a conspiracy to facilitate US dollar-denominated transactions for the Government of Iran and various Iranian banks, which in turn funded acts of terrorism that injured or killed plaintiffs or plaintiffs’ family members. The plaintiffs seek to recover damages for pain, suffering and mental anguish under the provisions of the US Anti-Terrorism Act, which allow for the trebling of any proven damages.            
BDC Finance LLC [Member]                        
Disclosure of contingent liabilities [line items]                        
Explanation of general nature of dispute and of reason for non-disclosure of information regarding contingent liability         In 2008, BDC Finance L.L.C. (BDC) filed a complaint in the NY Supreme Court, demanding damages of $298m, alleging that Barclays Bank PLC had breached a contract in connection with a portfolio of total return swaps governed by an ISDA Master Agreement (collectively, the Agreement). Following a trial on certain liability issues, the court ruled in December 2018 that Barclays Bank PLC was not a defaulting party, which was affirmed on appeal. Barclays Bank PLC’s counterclaim against BDC remains pending. In 2008, BDC Finance L.L.C. (BDC) filed a complaint in the NY Supreme Court, demanding damages of $298m, alleging that Barclays Bank PLC had breached a contract in connection with a portfolio of total return swaps governed by an ISDA Master Agreement (collectively, the Agreement). Following a trial on certain liability issues, the court ruled in December 2018 that Barclays Bank PLC was not a defaulting party, which was affirmed on appeal. Barclays Bank PLC’s counterclaim against BDC remains pending.            
Litigation settlements approved, value                       £ 298.0
HM Revenue & Customs (HMRC) assessments concerning UK Value Added Tax [Member]                        
Disclosure of contingent liabilities [line items]                        
Loss Contingency, Damages Sought, claimed amounts, Value | $   $ 181.0                    
HM Revenue & Customs (HMRC) assessments concerning UK Value Added Tax [Member] | Barclays PLC [member]                        
Disclosure of contingent liabilities [line items]                        
Loss Contingency, Damages Sought, claimed amounts, Value £ 53.0                      
Information about contingent liabilities that disclosure is not practicable                        
HM Revenue & Customs (HMRC) assessments concerning UK Value Added Tax [Member] | Barclays UK PLC [member] | Barclays PLC [member]                        
Disclosure of contingent liabilities [line items]                        
Loss Contingency, Damages Sought, claimed amounts, Value £ 128.0                      
XML 74 R64.htm IDEA: XBRL DOCUMENT v3.20.2
Related party transactions - Amounts included in the Barclays Bank Group's financial statements with other Barclays Group companies (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Dec. 31, 2019
Disclosure of transactions between related parties [line items]      
Income [1] £ 8,637 £ 7,122  
Operating expenses (4,567) (4,910)  
Assets 1,095,958   £ 876,672
Liabilities 1,039,264   826,057
Parent [member]      
Disclosure of transactions between related parties [line items]      
Income (346) (275)  
Operating expenses (34) (46)  
Assets 5,793   2,097
Liabilities 27,262   24,876
Subsidiaries [member]      
Disclosure of transactions between related parties [line items]      
Income 31 32  
Operating expenses (1,443) £ (1,546)  
Assets 1,952   2,165
Liabilities £ 2,531   £ 1,600
[1]

T he geographical analysis is now based on the location of office where the transactions are recorded, whereas in the prior year it was based on counterparty location. The approach was changed at year-end 2019 and is better aligned to the geographical view of the business following the implementation of structural reform. Prior year comparatives have been restated

XML 75 R65.htm IDEA: XBRL DOCUMENT v3.20.2
Barclays Bank PLC parent condensed balance sheet (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Jun. 30, 2019
Dec. 31, 2018
Assets        
Cash and balances at central banks £ 155,792 £ 125,940    
Cash collateral and settlement balances 130,873 79,486    
Loans and advances at amortised cost 150,203 141,636    
Reverse repurchase agreements and other similar secured lending 19,811 1,731    
Trading portfolio assets 109,461 113,337    
Financial assets at fair value through the income statement 155,540 129,470    
Derivative financial instruments 307,650 229,641    
Financial assets at fair value through other comprehensive income 55,161 45,406    
Investments in associates and joint ventures 30 295    
Goodwill and intangible assets 1,250 1,212    
Property, plant and equipment 1,654 1,631    
Current tax assets 984 898    
Deferred tax assets 2,639 2,460    
Retirement benefit assets 2,848 2,108    
Other assets 2,062 1,421    
Total assets 1,095,958 876,672    
Liabilities        
Deposits at amortised cost 245,737 213,881    
Cash collateral and settlement balances 113,341 67,682    
Repurchase agreements and other similar secured borrowing 4,033 2,032    
Debt securities in issue 50,496 33,536    
Subordinated liabilities 36,965 33,425   £ 35,327
Trading portfolio liabilities 50,378 35,212    
Financial liabilities designated at fair value 222,142 204,446    
Derivative financial instruments 307,989 228,940    
Current tax liabilities 310 320    
Deferred tax liabilities 1,084 80    
Retirement benefit liabilities 319 313    
Other liabilities 5,385 5,239    
Provisions 1,085 951    
Total liabilities 1,039,264 826,057    
Equity        
Called up share capital and share premium 2,348 2,348    
Other equity instruments 8,323 8,323    
Other reserves 6,319 3,235    
Retained earnings 39,704 36,709    
Total equity 56,694 50,615 £ 52,610 £ 47,711
Total liabilities and equity 1,095,958 876,672    
Barclays Bank PLC [member]        
Assets        
Cash and balances at central banks 128,461 112,287    
Cash collateral and settlement balances 115,391 75,822    
Loans and advances at amortised cost 186,606 161,663    
Reverse repurchase agreements and other similar secured lending 22,926 4,939    
Trading portfolio assets 73,646 79,079    
Financial assets at fair value through the income statement 187,575 162,500    
Derivative financial instruments 304,807 229,338    
Financial assets at fair value through other comprehensive income 53,475 43,760    
Investments in associates and joint ventures 16 119    
Investments in subsidiaries 16,653 16,105    
Goodwill and intangible assets 114 115    
Property, plant and equipment 419 426    
Current tax assets 1,045 946    
Deferred tax assets 1,203 1,115    
Retirement benefit assets 2,797 2,062    
Other assets 1,234 845    
Total assets 1,096,368 891,121    
Liabilities        
Deposits at amortised cost 268,286 240,631    
Cash collateral and settlement balances 94,744 59,448    
Repurchase agreements and other similar secured borrowing 9,778 9,185    
Debt securities in issue 34,926 19,883    
Subordinated liabilities 36,937 33,205    
Trading portfolio liabilities 53,953 45,130    
Financial liabilities designated at fair value 234,510 207,765    
Derivative financial instruments 306,288 225,607    
Current tax liabilities 287 221    
Deferred tax liabilities 1,083 80    
Retirement benefit liabilities 105 104    
Other liabilities 3,297 2,807    
Provisions 885 630    
Total liabilities 1,045,079 844,696    
Equity        
Called up share capital and share premium 2,348 2,348    
Other equity instruments 11,089 11,089    
Other reserves 2,763 678    
Retained earnings 35,089 32,310    
Total equity 51,289 46,425    
Total liabilities and equity £ 1,096,368 £ 891,121    
XML 76 R66.htm IDEA: XBRL DOCUMENT v3.20.2
Barclays Bank PLC parent condensed balance sheet (Narrative) (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Condensed Balance Sheet Statements, Captions [Line Items]    
Profit on disposal of subsidiaries, associates and joint ventures £ 1 £ 13
Barclaycard International Payments Limited [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Profit on disposal of subsidiaries, associates and joint ventures 4  
Entercard Group AB [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Profit on disposal of subsidiaries, associates and joint ventures 13  
Carnegie Holdings Limited [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Profit on disposal of subsidiaries, associates and joint ventures 57  
Barclays Mercantile Business Finance Limited [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Profit on disposal of subsidiaries, associates and joint ventures 11  
Barclays Bank PLC [member] | Barclaycard International Payments Limited [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Proceeds from sales of investments 102  
Profit on disposal of subsidiaries, associates and joint ventures 56  
Barclays Bank PLC [member] | Entercard Group AB [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Proceeds from sales of investments 292  
Profit on disposal of subsidiaries, associates and joint ventures 192  
Barclays Bank PLC [member] | Carnegie Holdings Limited [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Proceeds from sales of investments 188  
Profit on disposal of subsidiaries, associates and joint ventures 133  
Barclays Bank PLC [member] | Barclays Mercantile Business Finance Limited [Member]    
Condensed Balance Sheet Statements, Captions [Line Items]    
Proceeds from sales of investments 154  
Profit on disposal of subsidiaries, associates and joint ventures £ 23  
XML 77 R67.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Details) - Financial assets at amortised cost [member]
£ in Millions
Jun. 30, 2020
GBP (£)
Dec. 31, 2019
GBP (£)
Loans and advances [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 150,203 £ 141,636
Coverage ratio [1] 0.036 0.025
Loans and advances [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 155,760 £ 145,332
Loans and advances [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] 5,557 3,696
Loans and advances [member] | Stage 1 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 105,354 £ 127,853
Coverage ratio 0.006 0.004
Loans and advances [member] | Stage 1 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 106,028 £ 128,345
Loans and advances [member] | Stage 1 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 674 492
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 42,229 £ 11,581
Coverage ratio 0.049 0.084
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 610 £ 10,073
Coverage ratio 0.044 0.071
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 51 £ 590
Coverage ratio 0.059 0.164
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 164 £ 918
Coverage ratio 0.17 0.161
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 44,393 £ 12,639
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 40,003 10,839
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 3,229 706
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 1,161 1,094
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 2,164 1,058
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 1,778 766
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 189 116
Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 197 176
Loans and advances [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 2,620 £ 2,202
Coverage ratio 0.509 0.494
Loans and advances [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 5,339 £ 4,348
Loans and advances [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 2,719 2,146
Home loans [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 11,275 £ 10,986
Coverage ratio [1] 0.036 0.031
Home loans [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 11,691 £ 11,334
Home loans [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] 416 348
Home loans [member] | Stage 1 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 9,658 £ 9,588
Coverage ratio 0.001 0.002
Home loans [member] | Stage 1 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 9,670 £ 9,604
Home loans [member] | Stage 1 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 12 16
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 825 £ 634
Coverage ratio 0.061 0.059
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 4,981 £ 520
Coverage ratio 0.044 0.044
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 120 £ 39
Coverage ratio 0.177 0.188
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 190 £ 75
Coverage ratio 0.084 0.085
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 879 £ 674
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 638 544
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 62 48
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 179 82
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 54 40
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 28 24
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 11 9
Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 15 7
Home loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 792 £ 764
Coverage ratio 0.306 0.277
Home loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 1,142 £ 1,056
Home loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 350 292
Credit cards, unsecured and other retail lending [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 26,019 £ 33,503
Coverage ratio [1] 0.113 0.072
Credit cards, unsecured and other retail lending [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 29,326 £ 36,120
Credit cards, unsecured and other retail lending [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] 3,307 2,617
Credit cards, unsecured and other retail lending [member] | Stage 1 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 20,203 £ 29,179
Coverage ratio 0.022 0.012
Credit cards, unsecured and other retail lending [member] | Stage 1 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 20,659 £ 29,541
Credit cards, unsecured and other retail lending [member] | Stage 1 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 456 362
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 5,291 £ 3,666
Coverage ratio 0.202 0.176
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 32,634 £ 3,283
Coverage ratio 0.18 0.137
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 2,869 £ 205
Coverage ratio 0.417 0.326
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 610 £ 178
Coverage ratio 0.454 0.476
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 6,631 £ 4,450
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 6,077 3,806
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 206 304
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 348 340
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 1,340 784
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 1,096 523
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 86 99
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 158 162
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 525 £ 658
Coverage ratio 0.742 0.691
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 2,036 £ 2,129
Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 1,511 1,471
Wholesale loans [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 112,909 £ 97,147
Coverage ratio [1] 0.016 0.007
Wholesale loans [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] £ 114,743 £ 97,878
Wholesale loans [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets [1] 1,834 731
Wholesale loans [member] | Stage 1 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 75,493 £ 89,086
Coverage ratio 0.003 0.001
Wholesale loans [member] | Stage 1 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 75,699 £ 89,200
Wholesale loans [member] | Stage 1 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 206 114
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 36,113 £ 7,281
Coverage ratio 0.021 0.031
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 38,225 £ 6,270
Coverage ratio 0.02 0.034
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 3,040 £ 346
Coverage ratio 0.031 0.023
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 964 £ 665
Coverage ratio 0.038 0.01
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 36,883 £ 7,515
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 33,288 6,489
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 2,961 354
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 634 672
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 770 234
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Not past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 654 219
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Equal to or Less than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 92 8
Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member] | ECL [member] | Greater than 30 days past due [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 24 7
Wholesale loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 1,303 £ 780
Coverage ratio 0.397 0.329
Wholesale loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 2,161 £ 1,163
Wholesale loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | ECL [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 858 £ 383
[1]

Other financial assets subject to impairment ex cluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross exposure of £ 187.1 bn (December 2019: £ 125.5 bn) and impairment allowance of £ 168 m (December 2019: £ 22 m). This compri ses £ 33 m (December 2019: £ 10 m) ECL on £ 181.7 bn (December 2019: £ 124.7 bn) Stage 1 assets, £ 20 m ( December 201 9 : £ 2 m) on £ 5.3 bn (December 2019: £ 0.8 bn) Stage 2 fair value through other comprehensive income assets and £ 115 m (December 2019: £ 10 m) on £ 115 m (December 2019: £ 10 m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of £ 593 m (December 2019: £ 252 m).

XML 78 R68.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Narrative) (Details) - GBP (£)
£ in Millions
Jun. 30, 2020
Dec. 31, 2019
Impairment allowance [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Exposure to credit risk on loan commitments and financial guarantee contracts £ 593 £ 252
Other financial assets subject to impairment [member] | Gross exposure [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 187,100 125,500
Other financial assets subject to impairment [member] | Gross exposure [member] | Stage 1 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 181,700 124,700
Other financial assets subject to impairment [member] | Gross exposure [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 115 10
Other financial assets subject to impairment [member] | Impairment allowance [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 168 22
Other financial assets subject to impairment [member] | Impairment allowance [member] | Stage 1 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 33 10
Other financial assets subject to impairment [member] | Impairment allowance [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 115 10
Financial assets at fair value through other comprehensive income, category [member] | Gross exposure [member] | Lifetime expected credit losses [member] | Stage 2 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets 5,300 800
Financial assets at fair value through other comprehensive income, category [member] | Impairment allowance [member] | Lifetime expected credit losses [member] | Stage 2 [member]    
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]    
Financial assets £ 20 £ 2
XML 79 R69.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Movement in gross exposure for loans and advances at amortised cost (Details) - Financial assets at amortised cost [member] - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Loans and advances [member]    
Loans and advances at amortised cost    
Write-offs £ (643) £ (627)
Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 11,334  
Business activity in the year 410  
Net drawdowns and repayments 401  
Final repayments (447)  
Disposals 0  
Write-offs [1] (7)  
Ending balance 11,691  
Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 36,120  
Business activity in the year 2,487  
Net drawdowns and repayments (3,028)  
Final repayments (1,629)  
Transfer to Barclays Group [2] (2,321)  
Disposals [3] (1,747)  
Write-offs [1] (556)  
Ending balance 29,326  
Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 97,878  
Business activity in the year 23,479  
Net drawdowns and repayments 15,614  
Final repayments (22,139)  
Disposals (9)  
Write-offs [1] (80)  
Ending balance 114,743  
Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Stage 1 [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 9,604  
Business activity in the year 410  
Net drawdowns and repayments 334  
Final repayments (351)  
Disposals 0  
Write-offs [1] 0  
Ending balance 9,670  
Stage 1 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (394)  
Stage 1 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 114  
Stage 1 [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (64)  
Stage 1 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 17  
Stage 1 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 29,541  
Business activity in the year 2,416  
Net drawdowns and repayments (3,447)  
Final repayments (1,472)  
Transfer to Barclays Group [2] (2,182)  
Disposals [3] (1,493)  
Write-offs [1] 0  
Ending balance 20,659  
Stage 1 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (3,520)  
Stage 1 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 948  
Stage 1 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (153)  
Stage 1 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 21  
Stage 1 [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 89,200  
Business activity in the year 19,309  
Net drawdowns and repayments 10,474  
Final repayments (20,273)  
Disposals 0  
Write-offs [1] 0  
Ending balance 75,699  
Stage 1 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (24,051)  
Stage 1 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1,589  
Stage 1 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (688)  
Stage 1 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 139  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 674  
Business activity in the year 0  
Net drawdowns and repayments 28  
Final repayments (67)  
Disposals 0  
Write-offs [1] 0  
Ending balance 879  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 394  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (114)  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (67)  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 31  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 4,450  
Business activity in the year 66  
Net drawdowns and repayments 259  
Final repayments (94)  
Transfer to Barclays Group [2] (92)  
Disposals [3] (183)  
Write-offs [1] 0  
Ending balance 6,631  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 3,520  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (948)  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (397)  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 50  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 7,515  
Business activity in the year 4,128  
Net drawdowns and repayments 4,791  
Final repayments (1,606)  
Disposals (9)  
Write-offs [1] 0  
Ending balance 36,883  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 24,051  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (1,589)  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (507)  
Lifetime expected credit losses [member] | Stage 2 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 109  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 1,056  
Business activity in the year 0  
Net drawdowns and repayments 39  
Final repayments (29)  
Disposals 0  
Write-offs [1] (7)  
Ending balance 1,142  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 131  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (48)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 2,129  
Business activity in the year 5  
Net drawdowns and repayments 160  
Final repayments (63)  
Transfer to Barclays Group [2] (47)  
Disposals [3] (71)  
Write-offs [1] (556)  
Ending balance 2,036  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 550  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (71)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 1,163  
Business activity in the year 42  
Net drawdowns and repayments 349  
Final repayments (260)  
Disposals 0  
Write-offs [1] (80)  
Ending balance 2,161  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1,195  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages £ (248)  
[1]

In H1 2020 , gross write-offs amounted to £ 643 m ( H1 201 9 : £ 627 m) and post write-off recoveries amounted to £ 1 m ( H1 2019 : £ 47 m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £ 642m ( H1 201 9 : £ 580 m).

[2]

Other financial assets subject to impairment excluded in the table s above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1 bn (De cember 201 9 : £1 25.5 bn) and impairment allow ance of £168m (December 2019: £22 m). This comprises £ 33m ECL (December 2019: £10m) on £181.7 bn Stage 1 assets (December 201 9 : £1 24.7bn), £20 m (December 201 9: £2m) on £5.3 bn Stage 2 fair value through other compreh ensive income assets, cash collateral and settle ment assets (December 2019: £0.8bn) and £115 m (Dece mber 2019: £10m) on £115 m Stage 3 other assets (December 201 9: £10m)

[3]

3 Transfe rs to Barclays Group reported within Credit cards, unsecured loans and other retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period

XML 80 R70.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Movement in impairment allowance on loans and advances at amortised cost (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
Credit impairment charges and other provisions £ 2,674 £ 510
ECL [member] | Loan commitments and financial guarantee contracts [member]    
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
Credit impairment charges and other provisions 331  
ECL [member] | Other financial assets subject to impairment [member]    
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
Credit impairment charges and other provisions [1] 149  
Financial assets at amortised cost [member] | Loans and advances [member]    
Loans and advances at amortised cost    
Write-offs (643) £ (627)
Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 11,334  
Business activity in the year 410  
Net re-measurement and movement due to exposure and risk parameter changes 401  
Final repayments (447)  
Disposals 0  
Write-offs [2] (7)  
Ending balance 11,691  
Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 36,120  
Business activity in the year 2,487  
Net re-measurement and movement due to exposure and risk parameter changes (3,028)  
Final repayments (1,629)  
Transfer to Barclays Group [1] (2,321)  
Disposals [3] (1,747)  
Write-offs [2] (556)  
Ending balance 29,326  
Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 97,878  
Business activity in the year 23,479  
Net re-measurement and movement due to exposure and risk parameter changes 15,614  
Final repayments (22,139)  
Disposals (9)  
Write-offs [2] (80)  
Ending balance 114,743  
Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Loans and advances [member]    
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
ECL movement excluding assets derecognised due to disposals and write-offs 2,577  
Recoveries and reimbursements (280)  
Exchange and other adjustments [4] (103)  
Financial assets at amortised cost [member] | ECL [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 348  
Business activity in the year 0  
Net re-measurement and movement due to exposure and risk parameter changes 77  
Final repayments (2)  
Disposals [3] 0  
Write-offs [2] (7)  
Ending balance 416  
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
ECL movement excluding assets derecognised due to disposals and write-offs 75  
Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 2,617  
Business activity in the year 35  
Net re-measurement and movement due to exposure and risk parameter changes 1,392  
Final repayments (26)  
Transfer to Barclays Group [1] (82)  
Disposals [3] (73)  
Write-offs [2] (556)  
Ending balance 3,307  
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
ECL movement excluding assets derecognised due to disposals and write-offs 1,319  
Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 731  
Business activity in the year 243  
Net re-measurement and movement due to exposure and risk parameter changes 1,009  
Final repayments (69)  
Disposals [3] 0  
Write-offs [2] (80)  
Ending balance 1,834  
Reconciliation of ECL movement to impairment (charge)/release for the period, Loans and advances at amortised cost    
ECL movement excluding assets derecognised due to disposals and write-offs 1,183  
Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 9,604  
Business activity in the year 410  
Net re-measurement and movement due to exposure and risk parameter changes 334  
Final repayments (351)  
Disposals 0  
Write-offs [2] 0  
Ending balance 9,670  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (394)  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 114  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (64)  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 17  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 29,541  
Business activity in the year 2,416  
Net re-measurement and movement due to exposure and risk parameter changes (3,447)  
Final repayments (1,472)  
Transfer to Barclays Group [1] (2,182)  
Disposals [3] (1,493)  
Write-offs [2] 0  
Ending balance 20,659  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (3,520)  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 948  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (153)  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 21  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 89,200  
Business activity in the year 19,309  
Net re-measurement and movement due to exposure and risk parameter changes 10,474  
Final repayments (20,273)  
Disposals 0  
Write-offs [2] 0  
Ending balance 75,699  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (24,051)  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1,589  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (688)  
Stage 1 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 139  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 16  
Business activity in the year 0  
Net re-measurement and movement due to exposure and risk parameter changes (6)  
Final repayments 0  
Disposals [3] 0  
Write-offs [2] 0  
Ending balance 12  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (1)  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 3  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 362  
Business activity in the year 23  
Net re-measurement and movement due to exposure and risk parameter changes 55  
Final repayments (10)  
Transfer to Barclays Group [1] (16)  
Disposals [3] (8)  
Write-offs [2] 0  
Ending balance 456  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (78)  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 134  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (10)  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 4  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 114  
Business activity in the year 19  
Net re-measurement and movement due to exposure and risk parameter changes 136  
Final repayments (18)  
Disposals [3] 0  
Write-offs [2] 0  
Ending balance 206  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages (55)  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 12  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (2)  
Stage 1 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 674  
Business activity in the year 0  
Net re-measurement and movement due to exposure and risk parameter changes 28  
Final repayments (67)  
Disposals 0  
Write-offs [2] 0  
Ending balance 879  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 394  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (114)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (67)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 31  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 4,450  
Business activity in the year 66  
Net re-measurement and movement due to exposure and risk parameter changes 259  
Final repayments (94)  
Transfer to Barclays Group [1] (92)  
Disposals [3] (183)  
Write-offs [2] 0  
Ending balance 6,631  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 3,520  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (948)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (397)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 50  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 7,515  
Business activity in the year 4,128  
Net re-measurement and movement due to exposure and risk parameter changes 4,791  
Final repayments (1,606)  
Disposals (9)  
Write-offs [2] 0  
Ending balance 36,883  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 24,051  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (1,589)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (507)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 109  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 40  
Business activity in the year 0  
Net re-measurement and movement due to exposure and risk parameter changes 22  
Final repayments (1)  
Disposals [3] 0  
Write-offs [2] 0  
Ending balance 54  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (3)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (6)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 784  
Business activity in the year 11  
Net re-measurement and movement due to exposure and risk parameter changes 824  
Final repayments (12)  
Transfer to Barclays Group [1] (25)  
Disposals [3] (20)  
Write-offs [2] 0  
Ending balance 1,340  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 78  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (134)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (171)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 5  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 234  
Business activity in the year 212  
Net re-measurement and movement due to exposure and risk parameter changes 334  
Final repayments (15)  
Disposals [3] 0  
Write-offs [2] 0  
Ending balance 770  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 55  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages (12)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (39)  
Lifetime expected credit losses [member] | Stage 2 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 1,056  
Business activity in the year 0  
Net re-measurement and movement due to exposure and risk parameter changes 39  
Final repayments (29)  
Disposals 0  
Write-offs [2] (7)  
Ending balance 1,142  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 131  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (48)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 2,129  
Business activity in the year 5  
Net re-measurement and movement due to exposure and risk parameter changes 160  
Final repayments (63)  
Transfer to Barclays Group [1] (47)  
Disposals [3] (71)  
Write-offs [2] (556)  
Ending balance 2,036  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 550  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (71)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 1,163  
Business activity in the year 42  
Net re-measurement and movement due to exposure and risk parameter changes 349  
Final repayments (260)  
Disposals 0  
Write-offs [2] (80)  
Ending balance 2,161  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 1,195  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | Gross exposure [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (248)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member]    
Loans and advances at amortised cost    
Opening balance 292  
Business activity in the year 0  
Net re-measurement and movement due to exposure and risk parameter changes 61  
Final repayments (1)  
Disposals [3] 0  
Write-offs [2] (7)  
Ending balance 350  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 6  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Home loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (1)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member]    
Loans and advances at amortised cost    
Opening balance 1,471  
Business activity in the year 1  
Net re-measurement and movement due to exposure and risk parameter changes 513  
Final repayments (4)  
Transfer to Barclays Group [1] (41)  
Disposals [3] (45)  
Write-offs [2] (556)  
Ending balance 1,511  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 181  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Credit cards, unsecured and other retail lending [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages (9)  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member]    
Loans and advances at amortised cost    
Opening balance 383  
Business activity in the year 12  
Net re-measurement and movement due to exposure and risk parameter changes 539  
Final repayments (36)  
Disposals [3] 0  
Write-offs [2] (80)  
Ending balance 858  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 1 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 2 [member]    
Loans and advances at amortised cost    
Net transfers between stages 0  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers to Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages 41  
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Financial assets at amortised cost [member] | ECL [member] | Wholesale loans [member] | Transfers from Stage 3 [member]    
Loans and advances at amortised cost    
Net transfers between stages £ (1)  
[1]

Other financial assets subject to impairment excluded in the table s above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £187.1 bn (De cember 201 9 : £1 25.5 bn) and impairment allow ance of £168m (December 2019: £22 m). This comprises £ 33m ECL (December 2019: £10m) on £181.7 bn Stage 1 assets (December 201 9 : £1 24.7bn), £20 m (December 201 9: £2m) on £5.3 bn Stage 2 fair value through other compreh ensive income assets, cash collateral and settle ment assets (December 2019: £0.8bn) and £115 m (Dece mber 2019: £10m) on £115 m Stage 3 other assets (December 201 9: £10m)

[2]

In H1 2020 , gross write-offs amounted to £ 643 m ( H1 201 9 : £ 627 m) and post write-off recoveries amounted to £ 1 m ( H1 2019 : £ 47 m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £ 642m ( H1 201 9 : £ 580 m).

[3]

3 Transfe rs to Barclays Group reported within Credit cards, unsecured loans and other retail lending portfolio includes the transfer of the Barclays Partner Finance retail portfolio to Barclays Principal Investments Limited during the period

[4]

Recoveries and reimbursements includes a net gain in relation to reimbursements from guarantee contracts held with third parties of £ 279 m and post write off recoveries of £ 1 m.

4 Includes foreign exchange and interest and fees in suspense

XML 81 R71.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Movement in loans and advances at amortised cost (Narrative) (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Dec. 31, 2019
Financial guarantee contracts [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Post write-off recoveries £ 1    
Net release in ECL 279    
Financial assets at amortised cost [member] | Loans and advances [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs 643 £ 627  
Post write-off recoveries 1 47  
Net write-offs 642 £ 580  
Financial assets [1] 150,203   £ 141,636
Financial assets at amortised cost [member] | Loans and advances [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 105,354   127,853
Financial assets at amortised cost [member] | Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 42,229   11,581
Financial assets at amortised cost [member] | Loans and advances [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 2,620   2,202
Financial assets at amortised cost [member] | Home loans [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets [1] 11,275   10,986
Financial assets at amortised cost [member] | Home loans [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 9,658   9,588
Financial assets at amortised cost [member] | Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 825   634
Financial assets at amortised cost [member] | Home loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 792   764
Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets [1] 26,019   33,503
Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 20,203   29,179
Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 5,291   3,666
Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 525   658
Financial assets at amortised cost [member] | Wholesale loans [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets [1] 112,909   97,147
Financial assets at amortised cost [member] | Wholesale loans [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 75,493   89,086
Financial assets at amortised cost [member] | Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 36,113   7,281
Financial assets at amortised cost [member] | Wholesale loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 1,303   780
Gross exposure [member] | Other financial assets subject to impairment [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 187,100   125,500
Gross exposure [member] | Other financial assets subject to impairment [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 181,700   124,700
Gross exposure [member] | Other financial assets subject to impairment [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 115   10
Gross exposure [member] | Financial assets at fair value through other comprehensive income [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 5,300   800
Gross exposure [member] | Financial assets at amortised cost [member] | Loans and advances [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets [1] 155,760   145,332
Gross exposure [member] | Financial assets at amortised cost [member] | Loans and advances [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 106,028   128,345
Gross exposure [member] | Financial assets at amortised cost [member] | Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 44,393   12,639
Gross exposure [member] | Financial assets at amortised cost [member] | Loans and advances [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 5,339   4,348
Gross exposure [member] | Financial assets at amortised cost [member] | Home loans [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 7    
Financial assets [1] 11,691   11,334
Gross exposure [member] | Financial assets at amortised cost [member] | Home loans [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 9,670   9,604
Gross exposure [member] | Financial assets at amortised cost [member] | Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 879   674
Gross exposure [member] | Financial assets at amortised cost [member] | Home loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 7    
Financial assets 1,142   1,056
Gross exposure [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 556    
Financial assets [1] 29,326   36,120
Gross exposure [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 20,659   29,541
Gross exposure [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 6,631   4,450
Gross exposure [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 556    
Financial assets 2,036   2,129
Gross exposure [member] | Financial assets at amortised cost [member] | Wholesale loans [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 80    
Financial assets [1] 114,743   97,878
Gross exposure [member] | Financial assets at amortised cost [member] | Wholesale loans [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 75,699   89,200
Gross exposure [member] | Financial assets at amortised cost [member] | Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 36,883   7,515
Gross exposure [member] | Financial assets at amortised cost [member] | Wholesale loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 80    
Financial assets 2,161   1,163
ECL [member] | Other financial assets subject to impairment [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 168   22
ECL [member] | Other financial assets subject to impairment [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 33   10
ECL [member] | Other financial assets subject to impairment [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 115   10
ECL [member] | Financial assets at fair value through other comprehensive income [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 20   2
ECL [member] | Financial assets at amortised cost [member] | Loans and advances [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets [1] 5,557   3,696
ECL [member] | Financial assets at amortised cost [member] | Loans and advances [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 674   492
ECL [member] | Financial assets at amortised cost [member] | Loans and advances [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 2,164   1,058
ECL [member] | Financial assets at amortised cost [member] | Loans and advances [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Financial assets 2,719   2,146
ECL [member] | Financial assets at amortised cost [member] | Home loans [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 7    
Financial assets [1] 416   348
ECL [member] | Financial assets at amortised cost [member] | Home loans [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 12   16
ECL [member] | Financial assets at amortised cost [member] | Home loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 54   40
ECL [member] | Financial assets at amortised cost [member] | Home loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 7    
Financial assets 350   292
ECL [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 556    
Financial assets [1] 3,307   2,617
ECL [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 456   362
ECL [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 1,340   784
ECL [member] | Financial assets at amortised cost [member] | Credit cards, unsecured and other retail lending [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 556    
Financial assets 1,511   1,471
ECL [member] | Financial assets at amortised cost [member] | Wholesale loans [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 80    
Financial assets [1] 1,834   731
ECL [member] | Financial assets at amortised cost [member] | Wholesale loans [member] | Stage 1 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 206   114
ECL [member] | Financial assets at amortised cost [member] | Wholesale loans [member] | Lifetime expected credit losses [member] | Stage 2 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 0    
Financial assets 770   234
ECL [member] | Financial assets at amortised cost [member] | Wholesale loans [member] | Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member]      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Gross write-offs [2] 80    
Financial assets £ 858   £ 383
[1]

Other financial assets subject to impairment ex cluded in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income, accrued income and sundry debtors. These have a total gross exposure of £ 187.1 bn (December 2019: £ 125.5 bn) and impairment allowance of £ 168 m (December 2019: £ 22 m). This compri ses £ 33 m (December 2019: £ 10 m) ECL on £ 181.7 bn (December 2019: £ 124.7 bn) Stage 1 assets, £ 20 m ( December 201 9 : £ 2 m) on £ 5.3 bn (December 2019: £ 0.8 bn) Stage 2 fair value through other comprehensive income assets and £ 115 m (December 2019: £ 10 m) on £ 115 m (December 2019: £ 10 m) Stage 3 other assets. Loan commitments and financial guarantee contracts have total ECL of £ 593 m (December 2019: £ 252 m).

[2]

In H1 2020 , gross write-offs amounted to £ 643 m ( H1 201 9 : £ 627 m) and post write-off recoveries amounted to £ 1 m ( H1 2019 : £ 47 m). Net write-offs represent gross write-offs less post write-off recoveries and amounted to £ 642m ( H1 201 9 : £ 580 m).

XML 82 R72.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Movement in gross exposure for loan commitment and financial guarantees (Details) - Gross exposure [member]
£ in Millions
 6 Months Ended
Jun. 30, 2020
GBP (£)
Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance £ 34
Net transfers between stages 0
Business activity in the year 136
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 10
Limit management (19)
Ending balance 161
Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 80,377
Net transfers between stages 0
Business activity in the year 3,699
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 5,388
Limit management (5,430)
Ending balance 84,034
Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 195,690
Net transfers between stages 0
Business activity in the year 28,374
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 11,558
Limit management (39,236)
Ending balance 196,386
Stage 1 [member] | Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 34
Net transfers between stages 0
Business activity in the year 136
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 10
Limit management (19)
Ending balance 161
Stage 1 [member] | Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 78,257
Net transfers between stages (2,633)
Business activity in the year 3,641
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 5,735
Limit management (5,165)
Ending balance 79,835
Stage 1 [member] | Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 183,001
Net transfers between stages (38,412)
Business activity in the year 24,878
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 10,996
Limit management (36,233)
Ending balance 144,230
Lifetime expected credit losses [member] | Stage 2 [member] | Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management 0
Ending balance 0
Lifetime expected credit losses [member] | Stage 2 [member] | Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 2,053
Net transfers between stages 2,394
Business activity in the year 57
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (74)
Limit management (261)
Ending balance 4,169
Lifetime expected credit losses [member] | Stage 2 [member] | Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 12,053
Net transfers between stages 37,380
Business activity in the year 3,389
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 794
Limit management (2,764)
Ending balance 50,852
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes 0
Limit management 0
Ending balance 0
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 67
Net transfers between stages 239
Business activity in the year 1
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (273)
Limit management (4)
Ending balance 30
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 636
Net transfers between stages 1,032
Business activity in the year 107
Net drawdowns, repayments, net re-measurement and movement due to exposure and risk parameter changes (232)
Limit management (239)
Ending balance £ 1,304
XML 83 R73.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Movement in provision on loan commitments and financial guarantees (Details) - ECL [member]
£ in Millions
 6 Months Ended
Jun. 30, 2020
GBP (£)
Loan commitments and financial guarantee contracts  
Opening balance £ 252
Ending balance 593
Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net re-measurement and movement due to exposure and risk parameter changes 0
Limit management 0
Ending balance 0
Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 51
Net transfers between stages 0
Business activity in the year 2
Net re-measurement and movement due to exposure and risk parameter changes 50
Limit management (3)
Ending balance 100
Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 201
Net transfers between stages 0
Business activity in the year 37
Net re-measurement and movement due to exposure and risk parameter changes 280
Limit management (25)
Ending balance 493
Stage 1 [member] | Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net re-measurement and movement due to exposure and risk parameter changes 0
Limit management 0
Ending balance 0
Stage 1 [member] | Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 22
Net transfers between stages 2
Business activity in the year 1
Net re-measurement and movement due to exposure and risk parameter changes 16
Limit management 0
Ending balance 41
Stage 1 [member] | Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 63
Net transfers between stages (22)
Business activity in the year 7
Net re-measurement and movement due to exposure and risk parameter changes 13
Limit management (7)
Ending balance 54
Lifetime expected credit losses [member] | Stage 2 [member] | Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net re-measurement and movement due to exposure and risk parameter changes 0
Limit management 0
Ending balance 0
Lifetime expected credit losses [member] | Stage 2 [member] | Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 15
Net transfers between stages (1)
Business activity in the year 0
Net re-measurement and movement due to exposure and risk parameter changes 27
Limit management 0
Ending balance 41
Lifetime expected credit losses [member] | Stage 2 [member] | Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 97
Net transfers between stages 15
Business activity in the year 30
Net re-measurement and movement due to exposure and risk parameter changes 285
Limit management (18)
Ending balance 409
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Home loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 0
Net transfers between stages 0
Business activity in the year 0
Net re-measurement and movement due to exposure and risk parameter changes 0
Limit management 0
Ending balance 0
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Credit cards, unsecured and other retail lending [member]  
Loan commitments and financial guarantee contracts  
Opening balance 14
Net transfers between stages (1)
Business activity in the year 1
Net re-measurement and movement due to exposure and risk parameter changes 7
Limit management (3)
Ending balance 18
Lifetime expected credit losses [member] | Credit Impaired - Stage 3 [member] | Wholesale loans [member]  
Loan commitments and financial guarantee contracts  
Opening balance 41
Net transfers between stages 7
Business activity in the year 0
Net re-measurement and movement due to exposure and risk parameter changes (18)
Limit management 0
Ending balance £ 30
XML 84 R74.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Measurement uncertainty (Narrative) (Details) - Credit risk [member]
 6 Months Ended
Jun. 30, 2020
Disclosure of nature and extent of risks arising from financial instruments [line items]  
Description of method, parameters and assumptions used in preparing sensitivity analysis reflecting interdependencies between risk variables The Barclays Bank Group uses a five-scenario model to calculate ECL. Absent the conditions surrounding the COVID-19 pandemic, a Baseline scenario is typically generated based on an external consensus forecast assembled from key sources, including HM Treasury (short and medium-term forecasts), Bloomberg (based on median of economic forecasts) and the Urban Land Institute (for US House Prices). In addition, two adverse scenarios (Downside 1 and Downside 2) and two favourable scenarios (Upside 1 and Upside 2) are derived, with associated probability weightings. The adverse scenarios are typically calibrated to a similar severity to internal stress tests, whilst also considering IFRS 9 specific sensitivities and non-linearity. Downside 2 is typically benchmarked to the Bank of England’s annual cyclical scenarios and to the most severe scenario from Moody’s inventory, but is not designed to be the same. The favourable scenarios are generally calibrated to be symmetric to the adverse scenarios, subject to a ceiling calibrated to relevant recent favourable benchmark scenarios. The scenarios include eight economic variables (GDP, unemployment, House Price Index (HPI) and base rates in both the UK and US markets), and expanded variables using statistical models based on historical correlations. The upside and downside shocks are designed to evolve over a five-year stress horizon, with all five scenarios converging to a steady state after approximately eight years. To calculate ECL a probability weight is assigned to each scenario. Following the onset of the COVID-19 pandemic, the Barclays Bank Group generated a Baseline scenario in March 2020 that reflected the most recent economic forecasts available in the market (combined with internal assumptions) and estimated impacts from significant support measures taken by Barclays, central banks and governments across the Barclays Bank Group’s key markets. This scenario assumed a strong contraction in GDP and a sharp rise in unemployment in 2020 across both the UK and US, and required a recalibration of probability weights. This scenario was superseded by a further revised Baseline scenario generated in June 2020, based broadly on the latest economic forecasts which recognise some the impacts from the various support measures still in place across the Barclays Bank Group’s key markets. Upside and downside scenarios were also regenerated in June 2020 (together with the revised Baseline scenario, the “COVID-19 Scenarios”). The downside scenarios reflect slower economic growth than the Baseline with social distancing measures continuing to drag GDP. Economic growth begins to recover later in 2020 in Downside 1 but only in 2021 in the Downside 2 scenario. The upside scenarios reflect a faster rebound in economic growth than the Baseline with a sharp decrease in infection rates and an almost fully reopened economy. Scenario weights were also revised in June 2020 with greater weight being applied to the tail scenarios (Upside 2 and Downside 2). This reflects the significant range of uncertainty in the economic environment compared to previous quarters given the conditions surrounding the COVID-19 pandemic. The economic environment remains uncertain and future impairment charges may be subject to further volatility (including from changes to macroeconomic variable forecasts) depending on the longevity of the COVID-19 pandemic and related containment measures, as well as the longer term effectiveness of central bank, government and other support measures.
Term at which scenario converges to steady state 8 years
XML 85 R75.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Measurement uncertainty - Baseline average macroeconomic variables used in the calculation of ECL (Details) - Baseline [member]
Jun. 30, 2020
Dec. 31, 2019
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 25.40% 40.80%
GDP [member] | United Kingdom | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (8.70%)  
GDP [member] | United Kingdom | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 6.10%  
GDP [member] | United Kingdom | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 2.90%  
GDP [member] | United Kingdom | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (51.40%)  
GDP [member] | US | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (4.20%)  
GDP [member] | US | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 4.40%  
GDP [member] | US | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (0.30%)  
GDP [member] | US | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (30.40%)  
Unemployment [member] | United Kingdom | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 6.60%  
Unemployment [member] | United Kingdom | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 6.50%  
Unemployment [member] | United Kingdom | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 4.40%  
Unemployment [member] | United Kingdom | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 8.00%  
Unemployment [member] | US | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 9.30%  
Unemployment [member] | US | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 7.60%  
Unemployment [member] | US | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 5.50%  
Unemployment [member] | US | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 13.40%  
HPI [member] | United Kingdom | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.60%  
HPI [member] | United Kingdom | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 2.00%  
HPI [member] | United Kingdom | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.00%  
HPI [member] | United Kingdom | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (1.50%)  
HPI [member] | US | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 1.10%  
HPI [member] | US | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 1.80%  
HPI [member] | US | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (0.80%)  
HPI [member] | US | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting (1.90%)  
Bank Rate [member] | United Kingdom | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.20%  
Bank Rate [member] | United Kingdom | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.10%  
Bank Rate [member] | United Kingdom | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.10%  
Bank Rate [member] | United Kingdom | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.10%  
Federal funds rate [member] | US | 2020 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.50%  
Federal funds rate [member] | US | 2021 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.30%  
Federal funds rate [member] | US | 2022 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.30%  
Federal funds rate [member] | US | Expected Worst Point [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 0.30%  
XML 86 R76.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Measurement uncertainty - Scenario probability weighting (Details)
Jun. 30, 2020
Dec. 31, 2019
Upside 2 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 20.30% 10.10%
Upside 1 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 22.40% 23.10%
Baseline [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 25.40% 40.80%
Downside 1 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 17.50% 22.70%
Downside 2 [member]    
Disclosure of nature and extent of risks arising from financial instruments [line items]    
Scenario probability weighting 14.40% 3.30%
XML 87 R77.htm IDEA: XBRL DOCUMENT v3.20.2
Other disclosures - Credit Risk - Measurement uncertainty - Macroeconomic variables (specific bases and 5-year averages) (Details)
Jun. 30, 2020
Dec. 31, 2019
Jun. 30, 2019
Upside 2 [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 20.30% 10.10%  
Upside 2 [member] | GDP [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 32.70% 4.20% 4.50%
Upside 2 [member] | GDP [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 8.90% 3.20% 3.40%
Upside 2 [member] | GDP [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 19.10% 4.20% 4.80%
Upside 2 [member] | GDP [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.90% 3.50% 3.70%
Upside 2 [member] | Unemployment [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 3.50% 3.40% 3.40%
Upside 2 [member] | Unemployment [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.00% 3.50% 3.70%
Upside 2 [member] | Unemployment [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.10% 3.00% 3.00%
Upside 2 [member] | Unemployment [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.40% 3.10% 3.10%
Upside 2 [member] | HPI [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 45.30% 46.00% 46.40%
Upside 2 [member] | HPI [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 7.80% 7.90% 7.90%
Upside 2 [member] | HPI [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 32.30% 37.10% 36.90%
Upside 2 [member] | HPI [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.80% 6.50% 6.50%
Upside 2 [member] | Bank Rate [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.10% 0.50% 0.80%
Upside 2 [member] | Bank Rate [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.40% 0.50% 0.80%
Upside 2 [member] | Federal funds rate [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 1.50% 2.30%
Upside 2 [member] | Federal funds rate [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.60% 1.60% 2.30%
Upside 1 [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 22.40% 23.10%  
Upside 1 [member] | GDP [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 26.40% 2.90% 3.10%
Upside 1 [member] | GDP [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 7.20% 2.40% 2.60%
Upside 1 [member] | GDP [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 13.50% 3.30% 3.70%
Upside 1 [member] | GDP [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.40% 2.80% 3.00%
Upside 1 [member] | Unemployment [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 3.60% 3.80% 3.90%
Upside 1 [member] | Unemployment [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.30% 3.90% 4.00%
Upside 1 [member] | Unemployment [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.40% 3.50% 3.40%
Upside 1 [member] | Unemployment [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.10% 3.60% 3.50%
Upside 1 [member] | HPI [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 27.20% 32.00% 32.60%
Upside 1 [member] | HPI [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.00% 5.70% 5.80%
Upside 1 [member] | HPI [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 20.90% 23.30% 30.20%
Upside 1 [member] | HPI [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 3.90% 4.30% 5.40%
Upside 1 [member] | Bank Rate [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.10% 0.50% 0.80%
Upside 1 [member] | Bank Rate [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 0.50% 0.80%
Upside 1 [member] | Federal funds rate [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 1.50% 2.30%
Upside 1 [member] | Federal funds rate [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.50% 1.70% 2.30%
Baseline [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 25.40% 40.80%  
Baseline [member] | GDP [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.40% 1.60% 1.70%
Baseline [member] | GDP [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.40% 1.60% 1.70%
Baseline [member] | GDP [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 3.30% 1.90% 2.10%
Baseline [member] | GDP [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 3.30% 1.90% 2.10%
Baseline [member] | Unemployment [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.90% 4.20% 4.30%
Baseline [member] | Unemployment [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 4.90% 4.20% 4.30%
Baseline [member] | Unemployment [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 6.30% 3.90% 3.70%
Baseline [member] | Unemployment [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 6.30% 3.90% 3.70%
Baseline [member] | HPI [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.30% 3.10% 3.20%
Baseline [member] | HPI [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.30% 3.10% 3.20%
Baseline [member] | HPI [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.30% 3.00% 4.10%
Baseline [member] | HPI [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.30% 3.00% 4.10%
Baseline [member] | Bank Rate [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.20% 0.70% 1.00%
Baseline [member] | Bank Rate [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.20% 0.70% 1.00%
Baseline [member] | Federal funds rate [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 1.70% 2.70%
Baseline [member] | Federal funds rate [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 1.70% 2.70%
Downside 1 [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 17.50% 22.70%  
Downside 1 [member] | GDP [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 1.60% 0.20% 0.30%
Downside 1 [member] | GDP [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 5.20% 0.80% 0.90%
Downside 1 [member] | GDP [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.00% 0.40% 0.40%
Downside 1 [member] | GDP [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.70% 1.00% 1.10%
Downside 1 [member] | Unemployment [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 9.60% 5.70% 5.70%
Downside 1 [member] | Unemployment [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 6.20% 5.40% 5.10%
Downside 1 [member] | Unemployment [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 15.40% 5.30% 5.20%
Downside 1 [member] | Unemployment [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 8.40% 5.00% 4.70%
Downside 1 [member] | HPI [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (15.00%) (8.20%) (0.50%)
Downside 1 [member] | HPI [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (1.40%) (1.10%) 0.90%
Downside 1 [member] | HPI [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (8.80%) 0.50% 0.00%
Downside 1 [member] | HPI [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (0.50%) 1.30% 2.40%
Downside 1 [member] | Bank Rate [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 2.80% 2.50%
Downside 1 [member] | Bank Rate [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.10% 2.50% 2.30%
Downside 1 [member] | Federal funds rate [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.40% 3.00% 3.00%
Downside 1 [member] | Federal funds rate [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 2.90% 3.00%
Downside 2 [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 14.40% 3.30%  
Downside 2 [member] | GDP [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 1.20% (4.70%) (4.10%)
Downside 2 [member] | GDP [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 2.80% (0.70%) (0.60%)
Downside 2 [member] | GDP [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (3.10%) (3.40%) (3.30%)
Downside 2 [member] | GDP [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 1.80% (0.50%) (0.50%)
Downside 2 [member] | Unemployment [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 10.90% 8.70% 8.80%
Downside 2 [member] | Unemployment [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 7.20% 7.70% 7.90%
Downside 2 [member] | Unemployment [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 18.70% 8.50% 8.40%
Downside 2 [member] | Unemployment [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 10.90% 7.50% 7.40%
Downside 2 [member] | HPI [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (33.40%) (32.40%) (32.10%)
Downside 2 [member] | HPI [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (5.50%) (6.50%) (6.40%)
Downside 2 [member] | HPI [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (19.70%) (19.80%) (17.40%)
Downside 2 [member] | HPI [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting (3.10%) (3.70%) (2.60%)
Downside 2 [member] | Bank Rate [member] | United Kingdom | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.20% 4.00% 4.00%
Downside 2 [member] | Bank Rate [member] | United Kingdom | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.10% 3.70% 3.70%
Downside 2 [member] | Federal funds rate [member] | US | Specific bases [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.40% 3.50% 3.50%
Downside 2 [member] | Federal funds rate [member] | US | 5-year averages [member]      
Disclosure of nature and extent of risks arising from financial instruments [line items]      
Scenario probability weighting 0.30% 3.40% 3.40%
EXCEL 88 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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�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how.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 90 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 91 FilingSummary.xml IDEA: XBRL DOCUMENT 3.20.2 html 1326 332 1 true 170 0 false 8 false false R1.htm 000010 - Document - Cover Sheet http://www.barclays.co.uk/role/Cover Cover Cover 1 false false R2.htm 000100 - Statement - Condensed consolidated Income Statement (unaudited) Sheet http://www.barclays.co.uk/role/CondensedConsolidatedIncomeStatementunaudited Condensed consolidated Income Statement (unaudited) Statements 2 false false R3.htm 000200 - Statement - Condensed consolidated statement of comprehensive income (unaudited) Sheet http://www.barclays.co.uk/role/CondensedConsolidatedStatementOfComprehensiveIncomeunaudited Condensed consolidated statement of comprehensive income (unaudited) Statements 3 false false R4.htm 000300 - Statement - Condensed consolidated balance sheet (unaudited) Sheet http://www.barclays.co.uk/role/CondensedConsolidatedBalanceSheetunaudited Condensed consolidated balance sheet (unaudited) Statements 4 false false R5.htm 000400 - Statement - Condensed consolidated statement of changes in equity (unaudited) Sheet http://www.barclays.co.uk/role/CondensedConsolidatedStatementOfChangesInEquityunaudited Condensed consolidated statement of changes in equity (unaudited) Statements 5 false false R6.htm 000500 - Statement - Condensed consolidated cash flow statement (unaudited) Sheet http://www.barclays.co.uk/role/CondensedConsolidatedCashFlowStatementunaudited Condensed consolidated cash flow statement (unaudited) Statements 6 false false R7.htm 010101 - Disclosure - Basis of preparation Sheet http://www.barclays.co.uk/role/BasisOfPreparation Basis of preparation Notes 7 false false R8.htm 010201 - Disclosure - Segmental reporting Sheet http://www.barclays.co.uk/role/SegmentalReporting Segmental reporting Notes 8 false false R9.htm 010301 - Disclosure - Net fee and commission income Sheet http://www.barclays.co.uk/role/NetFeeAndCommissionIncome Net fee and commission income Notes 9 false false R10.htm 010401 - Disclosure - Tax Sheet http://www.barclays.co.uk/role/Tax Tax Notes 10 false false R11.htm 010601 - Disclosure - Dividends on ordinary shares Sheet http://www.barclays.co.uk/role/DividendsOnOrdinaryShares Dividends on ordinary shares Notes 11 false false R12.htm 010701 - Disclosure - Fair value of financial instruments Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstruments Fair value of financial instruments Notes 12 false false R13.htm 010801 - Disclosure - Subordinated liabilities Sheet http://www.barclays.co.uk/role/SubordinatedLiabilities Subordinated liabilities Notes 13 false false R14.htm 010901 - Disclosure - Provisions Sheet http://www.barclays.co.uk/role/Provisions Provisions Notes 14 false false R15.htm 011001 - Disclosure - Retirement benefits Sheet http://www.barclays.co.uk/role/RetirementBenefits Retirement benefits Notes 15 false false R16.htm 011101 - Disclosure - Called up share capital Sheet http://www.barclays.co.uk/role/CalledUpShareCapital Called up share capital Notes 16 false false R17.htm 011201 - Disclosure - Other equity instruments Sheet http://www.barclays.co.uk/role/OtherEquityInstruments Other equity instruments Notes 17 false false R18.htm 011301 - Disclosure - Other reserves Sheet http://www.barclays.co.uk/role/OtherReserves Other reserves Notes 18 false false R19.htm 011401 - Disclosure - Contingent liabilities and commitments Sheet http://www.barclays.co.uk/role/ContingentLiabilitiesAndCommitments Contingent liabilities and commitments Notes 19 false false R20.htm 011501 - Disclosure - Legal, competition and regulatory matters Sheet http://www.barclays.co.uk/role/LegalCompetitionAndRegulatoryMatters Legal, competition and regulatory matters Notes 20 false false R21.htm 011601 - Disclosure - Related party transactions Sheet http://www.barclays.co.uk/role/RelatedPartyTransactions Related party transactions Notes 21 false false R22.htm 011701 - Disclosure - Barclays Bank PLC parent condensed balance sheet Sheet http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheet Barclays Bank PLC parent condensed balance sheet Notes 22 false false R23.htm 011801 - Disclosure - Other disclosures - Credit Risk Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRisk Other disclosures - Credit Risk Notes 23 false false R24.htm 030201 - Disclosure - Segmental reporting (Tables) Sheet http://www.barclays.co.uk/role/SegmentalReportingTables Segmental reporting (Tables) Tables http://www.barclays.co.uk/role/SegmentalReporting 24 false false R25.htm 030301 - Disclosure - Net fee and commission income (Tables) Sheet http://www.barclays.co.uk/role/NetFeeAndCommissionIncomeTables Net fee and commission income (Tables) Tables http://www.barclays.co.uk/role/NetFeeAndCommissionIncome 25 false false R26.htm 030401 - Disclosure - Tax (Tables) Sheet http://www.barclays.co.uk/role/TaxTables Tax (Tables) Tables http://www.barclays.co.uk/role/Tax 26 false false R27.htm 030601 - Disclosure - Dividends on ordinary shares (Tables) Sheet http://www.barclays.co.uk/role/DividendsOnOrdinarySharesTables Dividends on ordinary shares (Tables) Tables http://www.barclays.co.uk/role/DividendsOnOrdinaryShares 27 false false R28.htm 030701 - Disclosure - Fair value of financial instruments (Tables) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsTables Fair value of financial instruments (Tables) Tables http://www.barclays.co.uk/role/FairValueOfFinancialInstruments 28 false false R29.htm 030801 - Disclosure - Subordinated Liabilities (Tables) Sheet http://www.barclays.co.uk/role/SubordinatedLiabilitiesTables Subordinated Liabilities (Tables) Tables 29 false false R30.htm 030901 - Disclosure - Provisions (Tables) Sheet http://www.barclays.co.uk/role/ProvisionsTables Provisions (Tables) Tables http://www.barclays.co.uk/role/Provisions 30 false false R31.htm 031301 - Disclosure - Other reserves (Tables) Sheet http://www.barclays.co.uk/role/OtherReservesTables Other reserves (Tables) Tables http://www.barclays.co.uk/role/OtherReserves 31 false false R32.htm 031401 - Disclosure - Contingent liabilities and commitments (Tables) Sheet http://www.barclays.co.uk/role/ContingentLiabilitiesAndCommitmentsTables Contingent liabilities and commitments (Tables) Tables http://www.barclays.co.uk/role/ContingentLiabilitiesAndCommitments 32 false false R33.htm 031601 - Disclosure - Related party transactions (Tables) Sheet http://www.barclays.co.uk/role/RelatedPartyTransactionsTables Related party transactions (Tables) Tables http://www.barclays.co.uk/role/RelatedPartyTransactions 33 false false R34.htm 031701 - Disclosure - Barclays Bank PLC parent condensed balance sheet (Tables) Sheet http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheetTables Barclays Bank PLC parent condensed balance sheet (Tables) Tables http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheet 34 false false R35.htm 031801 - Disclosure - Other disclosures - Credit Risk (Tables) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskTables Other disclosures - Credit Risk (Tables) Tables http://www.barclays.co.uk/role/OtherDisclosuresCreditRisk 35 false false R36.htm 040200 - Disclosure - Segmental reporting (Narrative) (Details) Sheet http://www.barclays.co.uk/role/SegmentalReportingNarrativeDetails Segmental reporting (Narrative) (Details) Details http://www.barclays.co.uk/role/SegmentalReportingTables 36 false false R37.htm 040201 - Disclosure - Segmental reporting - Analysis of results by business (Details) Sheet http://www.barclays.co.uk/role/SegmentalReportingAnalysisOfResultsByBusinessDetails Segmental reporting - Analysis of results by business (Details) Details 37 false false R38.htm 040202 - Disclosure - Segmental reporting - Split of income by geographic region (Details) Sheet http://www.barclays.co.uk/role/SegmentalReportingSplitOfIncomeByGeographicRegionDetails Segmental reporting - Split of income by geographic region (Details) Details 38 false false R39.htm 040301 - Disclosure - Net fee and commission income (Details) Sheet http://www.barclays.co.uk/role/NetFeeAndCommissionIncomeDetails Net fee and commission income (Details) Details http://www.barclays.co.uk/role/NetFeeAndCommissionIncomeTables 39 false false R40.htm 040302 - Disclosure - Net fee and commission income (Narrative) (Details) Sheet http://www.barclays.co.uk/role/NetFeeAndCommissionIncomeNarrativeDetails Net fee and commission income (Narrative) (Details) Details http://www.barclays.co.uk/role/NetFeeAndCommissionIncomeTables 40 false false R41.htm 040415 - Disclosure - Tax (Narrative) (Details) Sheet http://www.barclays.co.uk/role/TaxNarrativeDetails Tax (Narrative) (Details) Details http://www.barclays.co.uk/role/TaxTables 41 false false R42.htm 040420 - Disclosure - Tax - Deferred tax assets and liabilities (Details) Sheet http://www.barclays.co.uk/role/TaxDeferredTaxAssetsAndLiabilitiesDetails Tax - Deferred tax assets and liabilities (Details) Details 42 false false R43.htm 040601 - Disclosure - Dividends on ordinary shares (Details) Sheet http://www.barclays.co.uk/role/DividendsOnOrdinarySharesDetails Dividends on ordinary shares (Details) Details http://www.barclays.co.uk/role/DividendsOnOrdinarySharesTables 43 false false R44.htm 040701 - Disclosure - Fair value of financial instruments - Assets and liabilities held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsAssetsAndLiabilitiesHeldAtFairValueDisaggregatedByValuationTechniquefairValueHierarchyAndBalanceSheetClassificationDetails Fair value of financial instruments - Assets and liabilities held at fair value disaggregated by valuation technique (fair value hierarchy) and balance sheet classification (Details) Details 44 false false R45.htm 040705 - Disclosure - Fair value of financial instruments - Level 3 assets and liabilities held at fair value disaggregated by product type (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsLevel3AssetsAndLiabilitiesHeldAtFairValueDisaggregatedByProductTypeDetails Fair value of financial instruments - Level 3 assets and liabilities held at fair value disaggregated by product type (Details) Details 45 false false R46.htm 040710 - Disclosure - Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsAnalysisOfMovementsInLevel3AssetsAndLiabilitiesDetails Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Details) Details 46 false false R47.htm 040715 - Disclosure - Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Narrative) (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsAnalysisOfMovementsInLevel3AssetsAndLiabilitiesNarrativeDetails Fair value of financial instruments - Analysis of movements in Level 3 assets and liabilities (Narrative) (Details) Details 47 false false R48.htm 040720 - Disclosure - Fair value of financial instruments - Unrealised gains and losses recognised in the period on Level 3 assets and liabilities held at period end (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsUnrealisedGainsAndLossesRecognisedInThePeriodOnLevel3AssetsAndLiabilitiesHeldAtPeriodEndDetails Fair value of financial instruments - Unrealised gains and losses recognised in the period on Level 3 assets and liabilities held at period end (Details) Details 48 false false R49.htm 040725 - Disclosure - Fair value of financial instruments - Sensitivity analysis of valuations using unobservable inputs (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsSensitivityAnalysisOfValuationsUsingUnobservableInputsDetails Fair value of financial instruments - Sensitivity analysis of valuations using unobservable inputs (Details) Details 49 false false R50.htm 040730 - Disclosure - Fair value of financial instruments - Fair value adjustments (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsFairValueAdjustmentsDetails Fair value of financial instruments - Fair value adjustments (Details) Details 50 false false R51.htm 040735 - Disclosure - Fair value of financial instruments - Comparison of carrying amounts and fair values for assets and liabilities not held at fair value (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsComparisonOfCarryingAmountsAndFairValuesForAssetsAndLiabilitiesNotHeldAtFairValueDetails Fair value of financial instruments - Comparison of carrying amounts and fair values for assets and liabilities not held at fair value (Details) Details 51 false false R52.htm 040750 - Disclosure - Fair value of financial instruments (Narrative) (Details) Sheet http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsNarrativeDetails Fair value of financial instruments (Narrative) (Details) Details http://www.barclays.co.uk/role/FairValueOfFinancialInstrumentsTables 52 false false R53.htm 040801 - Disclosure - Subordinated liabilities (Details) Sheet http://www.barclays.co.uk/role/SubordinatedLiabilitiesDetails Subordinated liabilities (Details) Details http://www.barclays.co.uk/role/SubordinatedLiabilities 53 false false R54.htm 040805 - Disclosure - Subordinated liabilities (Narrative) (Details) Sheet http://www.barclays.co.uk/role/SubordinatedLiabilitiesNarrativeDetails Subordinated liabilities (Narrative) (Details) Details http://www.barclays.co.uk/role/SubordinatedLiabilities 54 false false R55.htm 040901 - Disclosure - Provisions - Total Provisions (Details) Sheet http://www.barclays.co.uk/role/ProvisionsTotalProvisionsDetails Provisions - Total Provisions (Details) Details 55 false false R56.htm 041001 - Disclosure - Retirement benefits (Narrative) (Details) Sheet http://www.barclays.co.uk/role/RetirementBenefitsNarrativeDetails Retirement benefits (Narrative) (Details) Details http://www.barclays.co.uk/role/RetirementBenefits 56 false false R57.htm 041005 - Disclosure - Retirement benefits - UKRF funding valuations (Narrative) (Details) Sheet http://www.barclays.co.uk/role/RetirementBenefitsUKRFFundingValuationsNarrativeDetails Retirement benefits - UKRF funding valuations (Narrative) (Details) Details 57 false false R58.htm 041101 - Disclosure - Called up share capital (Narrative) (Details) Sheet http://www.barclays.co.uk/role/CalledUpShareCapitalNarrativeDetails Called up share capital (Narrative) (Details) Details http://www.barclays.co.uk/role/CalledUpShareCapital 58 false false R59.htm 041201 - Disclosure - Other equity instruments (Narrative) (Details) Sheet http://www.barclays.co.uk/role/OtherEquityInstrumentsNarrativeDetails Other equity instruments (Narrative) (Details) Details http://www.barclays.co.uk/role/OtherEquityInstruments 59 false false R60.htm 041301 - Disclosure - Other reserves (Details) Sheet http://www.barclays.co.uk/role/OtherReservesDetails Other reserves (Details) Details http://www.barclays.co.uk/role/OtherReservesTables 60 false false R61.htm 041305 - Disclosure - Other reserves (Narrative) (Details) Sheet http://www.barclays.co.uk/role/OtherReservesNarrativeDetails Other reserves (Narrative) (Details) Details http://www.barclays.co.uk/role/OtherReservesTables 61 false false R62.htm 041401 - Disclosure - Contingent liabilities and commitments (Details) Sheet http://www.barclays.co.uk/role/ContingentLiabilitiesAndCommitmentsDetails Contingent liabilities and commitments (Details) Details http://www.barclays.co.uk/role/ContingentLiabilitiesAndCommitmentsTables 62 false false R63.htm 041501 - Disclosure - Legal, competition and regulatory matters (Narrative) (Details) Sheet http://www.barclays.co.uk/role/LegalCompetitionAndRegulatoryMattersNarrativeDetails Legal, competition and regulatory matters (Narrative) (Details) Details http://www.barclays.co.uk/role/LegalCompetitionAndRegulatoryMatters 63 false false R64.htm 041601 - Disclosure - Related party transactions - Amounts included in the Barclays Bank Group's financial statements with other Barclays Group companies (Details) Sheet http://www.barclays.co.uk/role/RelatedPartyTransactionsAmountsIncludedInTheBarclaysBankGroupsFinancialStatementsWithOtherBarclaysGroupCompaniesDetails Related party transactions - Amounts included in the Barclays Bank Group's financial statements with other Barclays Group companies (Details) Details 64 false false R65.htm 041701 - Disclosure - Barclays Bank PLC parent condensed balance sheet (Details) Sheet http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheetDetails Barclays Bank PLC parent condensed balance sheet (Details) Details http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheetTables 65 false false R66.htm 041705 - Disclosure - Barclays Bank PLC parent condensed balance sheet (Narrative) (Details) Sheet http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheetNarrativeDetails Barclays Bank PLC parent condensed balance sheet (Narrative) (Details) Details http://www.barclays.co.uk/role/BarclaysBankPLCParentCondensedBalanceSheetTables 66 false false R67.htm 041805 - Disclosure - Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskLoansAndAdvancesAtAmortisedCostByProductDetails Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Details) Details 67 false false R68.htm 041810 - Disclosure - Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Narrative) (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskLoansAndAdvancesAtAmortisedCostByProductNarrativeDetails Other disclosures - Credit Risk - Loans and advances at amortised cost by product (Narrative) (Details) Details 68 false false R69.htm 041815 - Disclosure - Other disclosures - Credit Risk - Movement in gross exposure for loans and advances at amortised cost (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMovementInGrossExposureForLoansAndAdvancesAtAmortisedCostDetails Other disclosures - Credit Risk - Movement in gross exposure for loans and advances at amortised cost (Details) Details 69 false false R70.htm 041820 - Disclosure - Other disclosures - Credit Risk - Movement in impairment allowance on loans and advances at amortised cost (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMovementInImpairmentAllowanceOnLoansAndAdvancesAtAmortisedCostDetails Other disclosures - Credit Risk - Movement in impairment allowance on loans and advances at amortised cost (Details) Details 70 false false R71.htm 041821 - Disclosure - Other disclosures - Credit Risk - Movement in loans and advances at amortised cost (Narrative) (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMovementInLoansAndAdvancesAtAmortisedCostNarrativeDetails Other disclosures - Credit Risk - Movement in loans and advances at amortised cost (Narrative) (Details) Details 71 false false R72.htm 041825 - Disclosure - Other disclosures - Credit Risk - Movement in gross exposure for loan commitment and financial guarantees (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMovementInGrossExposureForLoanCommitmentAndFinancialGuaranteesDetails Other disclosures - Credit Risk - Movement in gross exposure for loan commitment and financial guarantees (Details) Details 72 false false R73.htm 041830 - Disclosure - Other disclosures - Credit Risk - Movement in provision on loan commitments and financial guarantees (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMovementInProvisionOnLoanCommitmentsAndFinancialGuaranteesDetails Other disclosures - Credit Risk - Movement in provision on loan commitments and financial guarantees (Details) Details 73 false false R74.htm 041835 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty (Narrative) (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMeasurementUncertaintyNarrativeDetails Other disclosures - Credit Risk - Measurement uncertainty (Narrative) (Details) Details 74 false false R75.htm 041840 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty - Baseline average macroeconomic variables used in the calculation of ECL (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMeasurementUncertaintyBaselineAverageMacroeconomicVariablesUsedInTheCalculationOfECLDetails Other disclosures - Credit Risk - Measurement uncertainty - Baseline average macroeconomic variables used in the calculation of ECL (Details) Details 75 false false R76.htm 041850 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty - Scenario probability weighting (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMeasurementUncertaintyScenarioProbabilityWeightingDetails Other disclosures - Credit Risk - Measurement uncertainty - Scenario probability weighting (Details) Details 76 false false R77.htm 041860 - Disclosure - Other disclosures - Credit Risk - Measurement uncertainty - Macroeconomic variables (specific bases and 5-year averages) (Details) Sheet http://www.barclays.co.uk/role/OtherDisclosuresCreditRiskMeasurementUncertaintyMacroeconomicVariablesspecificBasesAnd5yearAveragesDetails Other disclosures - Credit Risk - Measurement uncertainty - Macroeconomic variables (specific bases and 5-year averages) (Details) Details 77 false false All Reports Book All Reports c070-20200630.xml c070-20200630.xsd c070-20200630_cal.xml c070-20200630_def.xml c070-20200630_lab.xml c070-20200630_pre.xml http://xbrl.sec.gov/country/2017-01-31 http://xbrl.ifrs.org/taxonomy/2019-03-27/ifrs-full http://fasb.org/srt/2019-01-31 http://xbrl.sec.gov/dei/2019-01-31 true true ZIP 93 0001562762-20-000258-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001562762-20-000258-xbrl.zip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�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end

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