PersonalWholesaleTotal CreditOther Loans by geography174,003 4,478 10,389 188,870 36,371 71,042 36,266 4,284 147,963 336,833 - UK 160,431 4,383 10,176 174,990 33,644 58,666 22,564 3,479 118,353 293,343 - RoI 13,572 95 213 13,880 1,310 4,169 513 32 6,024 19,904 - Other Europe 921 4,350 5,120 328 10,719 10,719 - RoW 496 3,857 8,069 445 12,867 12,867 Loans by asset quality (2)174,003 4,478 10,389 188,870 36,371 71,042 36,266 4,284 147,963 336,833 -AQ1 3,837 665 4,502 4,474 2,272 17,841 1,931 26,518 31,020 -AQ2 2,866 2,866 2,490 496 1,763 1,780 6,529 9,395 -AQ3 277 277 2,465 5,561 2,939 385 11,350 11,627 -AQ4 92,520 375 625 93,520 6,574 14,660 9,979 41 31,254 124,774 -AQ5 58,051 786 1,708 60,545 10,419 19,584 2,027 107 32,137 92,682 -AQ6 5,253 1,211 3,344 9,808 5,809 13,470 811 3 20,093 29,901 -AQ7 5,326 1,531 2,328 9,185 2,853 11,404 867 30 15,154 24,339 -AQ8 1,379 393 792 2,564 302 1,478 20 2 1,802 4,366 - AQ9 1,217 66 284 1,567 90 468 6 564 2,131 - AQ10 3,277 116 643 4,036 895 1,649 13 5 2,562 6,598 Loans by stage174,003 4,478 10,389 188,870 36,371 71,042 36,266 4,284 147,963 336,833 - Stage 1 159,261 3,103 7,436 169,800 32,896 59,689 35,707 4,275 132,567 302,367 - Stage 2 11,465 1,259 2,310 15,034 2,580 9,704 546 4 12,834 27,868 - Stage 3 3,277 116 643 4,036 895 1,649 13 5 2,562 6,598 - of which: individual 235 21 256 646 1,137 7 5 1,795 2,051 - of which: collective 3,042 116 622 3,780 249 512 6 767 4,547 Loans - past due analysis (3,4)174,003 4,478 10,389 188,870 36,371 71,042 36,266 4,284 147,963 336,833 - Not past due 169,536 4,313 9,473 183,322 35,445 68,730 36,214 4,230 144,619 327,941 - Past due 1-30 days 1,578 43 164 1,785 317 1,339 36 54 1,746 3,531 - Past due 31-89 days 955 36 123 1,114 82 271 7 360 1,474 - Past due 90-180 days 495 30 84 609 26 148 174 783 - Past due >180 days 1,439 56 545 2,040 501 554 9 1,064 3,104 Loans - Stage 2 11,465 1,259 2,310 15,034 2,580 9,704 546 4 12,834 27,868 - Not past due 9,798 1,204 2,070 13,072 2,466 9,266 534 4 12,270 25,342 - Past due 1-30 days 1,050 29 128 1,207 49 214 5 268 1,475 - Past due 31-89 days 617 26 112 755 65 224 7 296 1,051 Weighted average life** - ECL measurement (years) 9 2 6 5 6 6 3 1 6 6 Weighted average 12 months PDs** - IFRS 9 (%) 0.31 3.86 2.98 0.54 0.63 0.98 0.13 0.05 0.60 0.56 - Basel (%) 0.81 3.59 3.75 1.03 0.96 1.25 0.20 0.07 0.83 0.94 ECL provisions by geography 964 261 857 2,082 494 1,181 28 7 1,710 3,792 - UK 342 259 846 1,447 424 800 14 4 1,242 2,689 - RoI 622 2 11 635 39 117 3 1 160 795 - Other Europe 28 130 9 1 168 168 - RoW 3 134 2 1 140 140 ECL provisions by stage 964 261 857 2,082 494 1,181 28 7 1,710 3,792 - Stage 1 25 40 65 130 45 124 16 7 192 322 - Stage 2 118 132 253 503 47 198 4 249 752 - Stage 3 821 89 539 1,449 402 859 8 1,269 2,718 - of which: individual 24 11 35 236 521 4 761 796 - of which: collective 797 89 528 1,414 166 338 4 508 1,922 ECL provisions coverage (%) 0.55 5.83 8.25 1.10 1.36 1.66 0.08 0.09 1.13 1.12 - Stage 1 (%) 0.02 1.29 0.87 0.08 0.14 0.21 0.04 0.09 0.14 0.11 - Stage 2 (%) 1.03 10.48 10.95 3.35 1.82 2.04 0.73 1.94 2.70 - Stage 3 (%) 25.05 76.72 83.83 35.90 44.92 52.09 61.54 49.53 41.19 ECL charge 25 104 253 382 33 283 (4) 2 314 696 - UK 28 105 261 394 64 230 (4) 2 292 686 - RoI (3) (1) (8) (12) (2) (16) 1 (17) (29) - Other Europe (29) 117 88 88 - RoW (48) (1) (49) (49) ECL loss rate (%) 0.01 2.32 2.44 0.20 0.09 0.40 (0.01) 0.05 0.21 0.21 Amounts written-off787615631025021913482792 *2019 data has been retrospectively revised to reflect reclassification of balances held with central banks. Refer to Accounting policies Note 1 for further details. **Not within audit scope. For the notes to this table refer to the following page.