Method for the preparation of an aqueous antibacterial/antiviral formulation for textile treatment comprising silver-silica micro composite particles or silver chloride particles and non-phospholipid lipid vesicles, characterised in that separately a first aqueous formulation comprising silver particles and a second aqueous formulation comprising non-phospholipid lipid vesicles are prepared, and subsequently the first and second aqueous solutions are blended, optionally with addition of water and additional additives. Said first aqueous formulation is prepared in that silver particles are added to water together with at least one cationic or non-ionic surfactant, until a stable homogenous dispersion is formed containing silver particles in association with said surfactant, and said second aqueous formulation is prepared in that at least one vesicle-forming non-phospholipid and optionally further vesicle formulation additives are added to water, are mixed at elevated temperature of more than 50°C, until homogeneous mixture is obtained, and subsequently cooled to a under formation of homogeneous emulsion.
