Barclays PLC | 1 | ![]() |
Barclays PLC | 2 | ![]() |
Results Announcement | Page |
Appendix: Loan Loss Rate Calculations | |
Barclays PLC | 3 | ![]() |
Notes |
Barclays PLC | 4 | ![]() |
Notes |
Barclays PLC | 5 | ![]() |
Performance Highlights |
Income | Profit before tax | Attribut able profit | Cost: income ratio | LLR | RoE | RoTE | EPS | NAV per share | TNAV per share | CET1 ratio | Total capital return2 | |
Q226 | £8.3bn | £3.3bn | £2.3bn | 54% | 51bps | 14.0% | 16.1% | 16.7p | 489p | 423p | 14.3% | £2.3bn |
H126 | £16.5bn | £6.1bn | £4.2bn | 55% | 62bps | 12.9% | 14.8% | 30.7p |
Barclays PLC | 6 | ![]() |
Performance Highlights |
Barclays PLC | 7 | ![]() |
Performance Highlights |
Barclays PLC | 8 | ![]() |
Performance Highlights |
Barclays Group results | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
£m | £m | % Change | £m | £m | % Change | ||
Barclays UK | 4,517 | 4,193 | 8 | 2,259 | 2,119 | 7 | |
Barclays UK Corporate Bank | 1,088 | 1,003 | 8 | 558 | 519 | 8 | |
Barclays Private Bank and Wealth Management | 713 | 697 | 2 | 366 | 348 | 5 | |
Barclays Investment Bank | 7,986 | 7,180 | 11 | 3,958 | 3,307 | 20 | |
Barclays US Consumer Bank | 2,119 | 1,687 | 26 | 1,136 | 823 | 38 | |
Head Office | 78 | 136 | (43) | 61 | 71 | (14) | |
Total income | 16,501 | 14,896 | 11 | 8,338 | 7,187 | 16 | |
Operating costs | (8,873) | (8,407) | (6) | (4,514) | (4,149) | (9) | |
UK regulatory levies | (84) | (96) | 13 | — | — | #DIV/0! | |
Litigation and conduct | (108) | (87) | (24) | (4) | (76) | 95 | |
Total operating expenses | (9,065) | (8,590) | (6) | (4,518) | (4,225) | (7) | |
Other net income/(expense) | 24 | 9 | 3 | (9) | |||
Profit before impairment | 7,460 | 6,315 | 18 | 3,823 | 2,953 | 29 | |
Credit impairment charges | (1,394) | (1,112) | (25) | (571) | (469) | (22) | |
Profit before tax | 6,066 | 5,203 | 17 | 3,252 | 2,484 | 31 | |
Tax charge | (1,369) | (1,173) | (17) | (731) | (552) | (32) | |
Profit after tax | 4,697 | 4,030 | 17 | 2,521 | 1,932 | 30 | |
Non-controlling interests | (19) | (23) | 17 | (19) | (21) | 10 | |
Other equity instrument holders | (487) | (484) | (1) | (243) | (252) | 4 | |
Attributable profit | 4,191 | 3,523 | 19 | 2,259 | 1,659 | 36 | |
Performance measures | |||||||
Return on average shareholders' equity | 12.9% | 11.4% | 14.0% | 10.7% | |||
Return on average tangible shareholders' equity | 14.8% | 13.2% | 16.1% | 12.3% | |||
Average shareholders' equity (£bn) | 65.1 | 61.8 | 64.8 | 62.1 | |||
Average tangible shareholders' equity (£bn) | 56.7 | 53.5 | 56.1 | 53.9 | |||
Cost: income ratio | 55% | 58% | 54% | 59% | |||
Loan loss rate (bps) | 62 | 52 | 51 | 44 | |||
Basic earnings per ordinary share | 30.7p | 24.7p | 24 | 16.7p | 11.7p | 43 | |
Dividend per ordinary share | 5.9p | 3.0p | 97 | ||||
Share buybacks announced (£m) | 1,500 | 1,000 | 50 | 1,000 | 1,000 | — | |
Total payout equivalent per share | c.16.9p | c.10.1p | 69 | ||||
Basic weighted average number of shares (m) | 13,645 | 14,262 | (4) | 13,565 | 14,211 | (5) | |
Period end number of shares (m) | 13,507 | 14,180 | (5) | ||||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |
Balance sheet and capital management1 | £bn | £bn | £bn |
Loans and advances at amortised cost | 444.8 | 430.0 | 417.8 |
Loans and advances at amortised cost impairment coverage ratio | 1.2% | 1.2% | 1.2% |
Total assets | 1,730.4 | 1,544.2 | 1,598.7 |
Deposits at amortised cost | 594.4 | 585.6 | 564.5 |
Net asset value per share | 489p | 469p | 442p |
Tangible net asset value per share | 423p | 409p | 384p |
Common equity tier 1 ratio | 14.3% | 14.3% | 14.0% |
Common equity tier 1 capital | 52.2 | 51.1 | 49.5 |
Risk weighted assets | 364.8 | 356.8 | 353.0 |
UK leverage ratio | 4.9% | 5.1% | 5.0% |
UK leverage exposure | 1,345.6 | 1,247.3 | 1,259.8 |
Funding and liquidity | |||
Group liquidity pool (£bn) | 346.7 | 337.8 | 333.7 |
Liquidity coverage ratio2 | 157.7% | 170.0% | 177.7% |
Net stable funding ratio3 | 135.8% | 135.2% | 135.6% |
Loan: deposit ratio | 75% | 73% | 74% |
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Group Finance Director's Review |
Barclays PLC | 10 | ![]() |
Group Finance Director's Review |
Barclays PLC | 11 | ![]() |
Results by Business |
Barclays UK | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Income statement information | £m | £m | % Change | £m | £m | % Change | |
Net interest income | 3,986 | 3,677 | 8 | 2,000 | 1,855 | 8 | |
Net fee, commission and other income | 531 | 516 | 3 | 259 | 264 | (2) | |
Total income | 4,517 | 4,193 | 8 | 2,259 | 2,119 | 7 | |
Operating costs | (2,368) | (2,283) | (4) | (1,194) | (1,168) | (2) | |
UK regulatory levies | (44) | (43) | (2) | — | — | #DIV/0! | |
Litigation and conduct | — | (29) | (1) | (27) | 96 | ||
Total operating expenses | (2,412) | (2,355) | (2) | (1,195) | (1,195) | — | |
Other net income | — | — | — | — | — | — | |
Profit before impairment | 2,105 | 1,838 | 15 | 1,064 | 924 | 15 | |
Credit impairment charges | (338) | (237) | (43) | (160) | (79) | ||
Profit before tax | 1,767 | 1,601 | 10 | 904 | 845 | 7 | |
Attributable profit | 1,214 | 1,090 | 11 | 623 | 580 | 7 | |
Performance measures | |||||||
Return on average allocated equity | 15.1% | 13.9% | 15.4% | 14.8% | |||
Return on average allocated tangible equity | 20.1% | 18.6% | 20.4% | 19.7% | |||
Average allocated equity (£bn) | 16.1 | 15.7 | 16.2 | 15.8 | |||
Average allocated tangible equity (£bn) | 12.1 | 11.7 | 12.2 | 11.8 | |||
Cost: income ratio | 53% | 56% | 53% | 56% | |||
Loan loss rate (bps) | 28 | 21 | 27 | 14 | |||
Net interest margin | 3.70% | 3.55% | 3.68% | 3.55% | |||
Key facts | As at 30.06.26 | As at 30.06.25 | |||||
UK mortgage balances (£bn) | 176.7 | 166.8 | |||||
Mortgage gross lending flow (£bn) | 17.7 | 15.4 | |||||
Average LTV of mortgage portfolio1 | 57% | 54% | |||||
Average LTV of new mortgage lending1 | 70% | 70% | |||||
Number of branches | 206 | 207 | |||||
Digitally active customers (m)2 | 14.1 | 13.7 | |||||
30 day arrears rate - total UK cards | 0.9% | 0.7% | |||||
90 day arrears rate - total UK cards | 0.3% | 0.2% | |||||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Balance sheet information | £bn | £bn | £bn | ||||
Loans and advances to customers at amortised cost | 220.8 | 216.5 | 211.2 | ||||
Total assets | 304.9 | 299.6 | 299.7 | ||||
Customer deposits at amortised cost | 245.6 | 244.6 | 241.3 | ||||
Loan: deposit ratio | 97% | 94% | 94% | ||||
Risk weighted assets | 89.0 | 85.8 | 86.1 | ||||
Barclays PLC | 12 | ![]() |
Results by Business |
Analysis of Barclays UK | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Analysis of total income | £m | £m | % Change | £m | £m | % Change | |
Retail Banking | 3,436 | 3,172 | 8 | 1,711 | 1,599 | 7 | |
Business Banking | 1,081 | 1,021 | 6 | 548 | 520 | 5 | |
Total income | 4,517 | 4,193 | 8 | 2,259 | 2,119 | 7 | |
Analysis of credit impairment (charges)/releases | |||||||
Retail Banking | (344) | (204) | (69) | (165) | (59) | ||
Business Banking | 6 | (33) | 5 | (20) | |||
Total credit impairment charges | (338) | (237) | (43) | (160) | (79) | ||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Analysis of loans and advances to customers at amortised cost | £bn | £bn | £bn | ||||
Retail Banking | 203.1 | 198.6 | 192.4 | ||||
Business Banking | 17.7 | 17.9 | 18.8 | ||||
Total loans and advances to customers at amortised cost | 220.8 | 216.5 | 211.2 | ||||
Analysis of customer deposits at amortised cost | |||||||
Retail Banking | 194.5 | 192.7 | 189.3 | ||||
Business Banking | 51.1 | 51.9 | 52.0 | ||||
Total customer deposits at amortised cost | 245.6 | 244.6 | 241.3 | ||||
Barclays PLC | 13 | ![]() |
Results by Business |
Barclays UK Corporate Bank | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Income statement information | £m | £m | % Change | £m | £m | % Change | |
Net interest income | 807 | 701 | 15 | 413 | 359 | 15 | |
Net fee, commission and other income | 281 | 302 | (7) | 145 | 160 | (9) | |
Total income | 1,088 | 1,003 | 8 | 558 | 519 | 8 | |
Operating costs | (488) | (474) | (3) | (249) | (240) | (4) | |
UK regulatory levies | (15) | (24) | 38 | — | — | #DIV/0! | |
Litigation and conduct | — | (39) | — | (39) | |||
Total operating expenses | (503) | (537) | 6 | (249) | (279) | 11 | |
Other net income | — | — | — | — | — | — | |
Profit before impairment | 585 | 466 | 26 | 309 | 240 | 29 | |
Credit impairment charges | (19) | (31) | 39 | (16) | (12) | (33) | |
Profit before tax | 566 | 435 | 30 | 293 | 228 | 29 | |
Attributable profit | 388 | 284 | 37 | 201 | 142 | 42 | |
Performance measures | |||||||
Return on average allocated equity | 20.6% | 16.8% | 21.3% | 16.6% | |||
Return on average allocated tangible equity | 20.6% | 16.8% | 21.3% | 16.6% | |||
Average allocated equity (£bn) | 3.8 | 3.4 | 3.8 | 3.4 | |||
Average allocated tangible equity (£bn) | 3.8 | 3.4 | 3.8 | 3.4 | |||
Cost: income ratio | 46% | 54% | 45% | 54% | |||
Loan loss rate (bps) | 12 | 22 | 20 | 17 | |||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Balance sheet information | £bn | £bn | £bn | ||||
Loans and advances to customers at amortised cost | 31.3 | 30.0 | 27.9 | ||||
Deposits at amortised cost | 89.1 | 88.7 | 85.3 | ||||
Risk weighted assets | 26.6 | 26.5 | 25.3 | ||||
Half year ended | Three months ended | ||||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Analysis of total income | £m | £m | % Change | £m | £m | % Change | |
Corporate lending | 185 | 170 | 9 | 96 | 90 | 7 | |
Transaction banking | 903 | 833 | 8 | 462 | 429 | 8 | |
Total income | 1,088 | 1,003 | 8 | 558 | 519 | 8 | |
Barclays PLC | 14 | ![]() |
Results by Business |
Barclays Private Bank and Wealth Management | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Income statement information | £m | £m | % Change | £m | £m | % Change | |
Net interest income | 420 | 407 | 3 | 216 | 203 | 6 | |
Net fee, commission and other income | 293 | 290 | 1 | 150 | 145 | 3 | |
Total income | 713 | 697 | 2 | 366 | 348 | 5 | |
Operating costs | (521) | (472) | (10) | (267) | (238) | (12) | |
UK regulatory levies | (3) | (2) | (50) | — | — | ||
Litigation and conduct | — | — | — | — | |||
Total operating expenses | (524) | (474) | (11) | (267) | (238) | (12) | |
Other net income | — | — | — | — | — | — | |
Profit before impairment | 189 | 223 | (15) | 99 | 110 | (10) | |
Credit impairment (charges)/ releases | (3) | 11 | (5) | 2 | |||
Profit before tax | 186 | 234 | (21) | 94 | 112 | (16) | |
Attributable profit | 148 | 184 | (20) | 75 | 88 | (15) | |
Performance measures | |||||||
Return on average allocated equity | 24.1% | 30.6% | 24.8% | 29.3% | |||
Return on average allocated tangible equity | 26.1% | 33.2% | 26.9% | 31.9% | |||
Average allocated equity (£bn) | 1.2 | 1.2 | 1.2 | 1.2 | |||
Average allocated tangible equity (£bn) | 1.1 | 1.1 | 1.1 | 1.1 | |||
Cost: income ratio | 73% | 68% | 73% | 68% | |||
Loan loss rate (bps) | 4 | (15) | 13 | (5) | |||
Key facts | £bn | £bn | £bn | £bn | |||
Net new assets under management1 | 1.8 | 1.9 | 0.3 | 0.9 | |||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Balance sheet information | £bn | £bn | £bn | ||||
Loans and advances to customers at amortised cost | 14.8 | 14.7 | 14.5 | ||||
Deposits at amortised cost | 72.7 | 72.0 | 66.7 | ||||
Risk weighted assets | 8.0 | 8.0 | 7.9 | ||||
Invested assets2 | 142.5 | 140.6 | 131.9 | ||||
Of which: | |||||||
Assets under management1 | 55.8 | 52.9 | 48.5 | ||||
Assets under supervision1 | 86.7 | 87.7 | 83.4 | ||||
Client assets and liabilities3 | 230.2 | 227.6 | 213.4 | ||||
Barclays PLC | 15 | ![]() |
Results by Business |
Barclays Investment Bank | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Income statement information | £m | £m | % Change | £m | £m | % Change | |
Net interest income | 794 | 631 | 26 | 411 | 334 | 23 | |
Net trading income | 4,629 | 4,322 | 7 | 2,271 | 1,906 | 19 | |
Net fee, commission and other income | 2,563 | 2,227 | 15 | 1,276 | 1,067 | 20 | |
Total income | 7,986 | 7,180 | 11 | 3,958 | 3,307 | 20 | |
Operating costs | (4,306) | (3,993) | (8) | (2,199) | (1,932) | (14) | |
UK regulatory levies | (22) | (27) | 19 | — | — | #DIV/0! | |
Litigation and conduct | 2 | (11) | — | (8) | |||
Total operating expenses | (4,326) | (4,031) | (7) | (2,199) | (1,940) | (13) | |
Other net income | — | — | — | — | — | — | |
Profit before impairment | 3,660 | 3,149 | 16 | 1,759 | 1,367 | 29 | |
Credit impairment charges | (323) | (139) | (44) | (67) | 34 | ||
Profit before tax | 3,337 | 3,010 | 11 | 1,715 | 1,300 | 32 | |
Attributable profit | 2,315 | 2,075 | 12 | 1,204 | 876 | 37 | |
Performance measures | |||||||
Return on average allocated equity | 15.5% | 14.2% | 16.0% | 12.2% | |||
Return on average allocated tangible equity | 15.5% | 14.2% | 16.0% | 12.2% | |||
Average allocated equity (£bn) | 29.9 | 29.2 | 30.0 | 28.7 | |||
Average allocated tangible equity (£bn) | 29.9 | 29.2 | 30.0 | 28.7 | |||
Income over average risk weighted assets | 7.9% | 7.2% | 7.7% | 6.7% | |||
Cost: income ratio | 54% | 56% | 56% | 59% | |||
Loan loss rate (bps) | 47 | 22 | 13 | 21 | |||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Balance sheet information | £bn | £bn | £bn | ||||
Loans and advances to customers at amortised cost | 70.8 | 70.0 | 66.8 | ||||
Loans and advances to banks at amortised cost | 11.0 | 7.4 | 7.1 | ||||
Debt securities at amortised cost | 54.5 | 52.9 | 52.4 | ||||
Loans and advances at amortised cost | 136.3 | 130.3 | 126.3 | ||||
Trading portfolio assets | 208.2 | 189.5 | 186.1 | ||||
Financial assets at fair value through the income statement | 209.9 | 183.6 | 215.2 | ||||
Derivative financial instrument assets | 302.6 | 251.5 | 279.0 | ||||
Cash collateral and settlement balances | 182.5 | 121.6 | 145.0 | ||||
Deposits at amortised cost | 162.3 | 156.1 | 148.7 | ||||
Derivative financial instrument liabilities | 291.6 | 240.6 | 265.1 | ||||
Risk weighted assets | 204.1 | 196.7 | 196.4 | ||||
Half year ended | Three months ended | ||||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Analysis of total income | £m | £m | % Change | £m | £m | % Change | |
FICC | 3,187 | 3,149 | 1 | 1,471 | 1,450 | 1 | |
Equities | 2,377 | 1,833 | 30 | 1,261 | 870 | 45 | |
Global Markets | 5,564 | 4,982 | 12 | 2,732 | 2,320 | 18 | |
Advisory | 443 | 266 | 67 | 188 | 123 | 53 | |
Equity capital markets | 249 | 151 | 65 | 157 | 81 | 94 | |
Debt capital markets | 809 | 795 | 2 | 402 | 364 | 10 | |
Banking fees and underwriting | 1,501 | 1,212 | 24 | 747 | 568 | 32 | |
Corporate lending | 53 | 152 | (65) | 37 | (4) | ||
Transaction banking | 868 | 834 | 4 | 442 | 423 | 4 | |
International Corporate Bank | 921 | 986 | (7) | 479 | 419 | 14 | |
Investment Banking | 2,422 | 2,198 | 10 | 1,226 | 987 | 24 | |
Total income | 7,986 | 7,180 | 11 | 3,958 | 3,307 | 20 | |
Barclays PLC | 16 | ![]() |
Results by Business |
Barclays PLC | 17 | ![]() |
Results by Business |
Barclays US Consumer Bank | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Income statement information | £m | £m | % Change | £m | £m | % Change | |
Net interest income | 1,555 | 1,318 | 18 | 732 | 640 | 14 | |
Net fee, commission and other income | 564 | 369 | 53 | 404 | 183 | ||
Total income | 2,119 | 1,687 | 26 | 1,136 | 823 | 38 | |
Operating costs | (822) | (803) | (2) | (442) | (396) | (12) | |
UK regulatory levies | — | — | — | — | — | — | |
Litigation and conduct | (2) | (3) | 33 | (2) | — | ||
Total operating expenses | (824) | (806) | (2) | (444) | (396) | (12) | |
Other net income | — | — | — | — | — | — | |
Profit before impairment | 1,295 | 881 | 47 | 692 | 427 | 62 | |
Credit impairment charges | (713) | (711) | — | (346) | (312) | (11) | |
Profit before tax | 582 | 170 | 346 | 115 | |||
Attributable profit | 429 | 128 | 253 | 87 | |||
Performance measures | |||||||
Return on average allocated equity | 20.5% | 6.3% | 24.7% | 8.8% | |||
Return on average allocated tangible equity1 | 24.2% | 7.3% | 30.2% | 10.2% | |||
Average allocated equity (£bn) | 4.2 | 4.1 | 4.1 | 4.0 | |||
Average allocated tangible equity (£bn) | 3.5 | 3.5 | 3.3 | 3.4 | |||
Cost: income ratio | 39% | 48% | 39% | 48% | |||
Loan loss rate (bps)2 | 575 | 523 | 555 | 456 | |||
Net interest margin | 12.96% | 10.68% | 13.20% | 10.83% | |||
Key facts | |||||||
US cards 30 day arrears rate | 2.9% | 2.8% | |||||
US cards 90 days arrears rate | 1.6% | 1.6% | |||||
US cards customer FICO score distribution3 | |||||||
<660 | 14% | 12% | |||||
>660 | 86% | 88% | |||||
End net receivables (reported) ($bn) | 29.7 | 32.9 | |||||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Balance sheet information | £bn | £bn | £bn | ||||
Loans and advances to customers at amortised cost | 21.7 | 21.1 | 18.2 | ||||
Deposits at amortised cost | 24.7 | 24.2 | 22.5 | ||||
Risk weighted assets | 24.3 | 27.4 | 24.7 | ||||
Barclays PLC | 18 | ![]() |
Results by Business |
Barclays PLC | 19 | ![]() |
Results by Business |
Head Office | Half year ended | Three months ended | |||||
30.06.26 | 30.06.25 | 30.06.26 | 30.06.25 | ||||
Income statement information | £m | £m | % Change | £m | £m | % Change | |
Net interest income | 96 | 288 | (67) | 149 | 114 | 31 | |
Net fee, commission and other income | (18) | (152) | 88 | (88) | (43) | ||
Total income | 78 | 136 | (43) | 61 | 71 | (14) | |
Operating costs | (368) | (382) | 4 | (163) | (175) | 7 | |
UK regulatory levies | — | — | #DIV/0! | — | — | ||
Litigation and conduct | (108) | (5) | (1) | (2) | 50 | ||
Total operating expenses | (476) | (387) | (23) | (164) | (177) | 7 | |
Other net income | 24 | 9 | 3 | (9) | |||
Loss before impairment | (374) | (242) | (55) | (100) | (115) | 13 | |
Credit impairment releases/(charges) | 2 | (5) | — | (1) | |||
Loss before tax | (372) | (247) | (51) | (100) | (116) | 14 | |
Attributable loss | (303) | (238) | (27) | (97) | (114) | 15 | |
Performance measures | |||||||
Average allocated equity (£bn) | 9.9 | 8.2 | 9.5 | 9.0 | |||
Average allocated tangible equity (£bn) | 6.3 | 4.6 | 5.6 | 5.5 | |||
As at 30.06.26 | As at 31.12.25 | As at 30.06.25 | |||||
Balance sheet information | £bn | £bn | £bn | ||||
Risk weighted assets | 12.7 | 12.3 | 12.6 | ||||
Barclays PLC | 20 | ![]() |
Quarterly Results Summary |
Barclays Group | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 3,921 | 3,737 | 3,734 | 3,745 | 3,505 | 3,517 | 3,500 | 3,308 | ||
Net fee, commission and other income | 4,417 | 4,426 | 3,343 | 3,422 | 3,682 | 4,192 | 3,464 | 3,239 | ||
Total income | 8,338 | 8,163 | 7,077 | 7,167 | 7,187 | 7,709 | 6,964 | 6,547 | ||
Operating costs | (4,514) | (4,359) | (4,379) | (4,254) | (4,149) | (4,258) | (4,244) | (3,954) | ||
UK regulatory levies | — | (84) | (229) | 12 | — | (96) | (227) | 27 | ||
Litigation and conduct | (4) | (104) | (50) | (255) | (76) | (11) | (121) | (35) | ||
Total operating expenses | (4,518) | (4,547) | (4,658) | (4,497) | (4,225) | (4,365) | (4,592) | (3,962) | ||
Other net income/(expenses) | 3 | 21 | (25) | 39 | (9) | 18 | — | 21 | ||
Profit before impairment | 3,823 | 3,637 | 2,394 | 2,709 | 2,953 | 3,362 | 2,372 | 2,606 | ||
Credit impairment charges | (571) | (823) | (535) | (632) | (469) | (643) | (711) | (374) | ||
Profit before tax | 3,252 | 2,814 | 1,859 | 2,077 | 2,484 | 2,719 | 1,661 | 2,232 | ||
Tax charges | (731) | (638) | (388) | (365) | (552) | (621) | (448) | (412) | ||
Profit after tax | 2,521 | 2,176 | 1,471 | 1,712 | 1,932 | 2,098 | 1,213 | 1,820 | ||
Non-controlling interests | (19) | — | (18) | — | (21) | (2) | (20) | (3) | ||
Other equity instrument holders | (243) | (244) | (258) | (255) | (252) | (232) | (228) | (253) | ||
Attributable profit | 2,259 | 1,932 | 1,195 | 1,457 | 1,659 | 1,864 | 965 | 1,564 | ||
Performance measures | ||||||||||
Return on average shareholders' equity | 14.0% | 11.8% | 7.4% | 9.2% | 10.7% | 12.1% | 6.5% | 10.6% | ||
Return on average tangible shareholders' equity | 16.1% | 13.5% | 8.5% | 10.6% | 12.3% | 14.0% | 7.5% | 12.3% | ||
Average shareholders' equity (£bn) | 64.8 | 65.5 | 64.8 | 63.3 | 62.1 | 61.4 | 59.7 | 59.1 | ||
Average tangible shareholders' equity (£bn) | 56.1 | 57.2 | 56.5 | 55.1 | 53.9 | 53.1 | 51.5 | 51.0 | ||
Cost: income ratio | 54% | 56% | 66% | 63% | 59% | 57% | 66% | 61% | ||
Loan loss rate (bps) | 51 | 74 | 48 | 57 | 44 | 61 | 66 | 37 | ||
Basic earnings per ordinary share | 16.7p | 14.1 | 8.6p | 10.4p | 11.7p | 13.0p | 6.7p | 10.7p | ||
Basic weighted average number of shares (m) | 13,565 | 13,727 | 13,883 | 14,045 | 14,211 | 14,314 | 14,432 | 14,648 | ||
Period end number of shares (m) | 13,507 | 13,737 | 13,867 | 13,996 | 14,180 | 14,336 | 14,420 | 14,571 | ||
Balance sheet and capital management1 | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Loans and advances to customers at amortised cost | 359.3 | 358.3 | 352.8 | 346.4 | 339.2 | 338.6 | 337.9 | 326.5 | ||
Loans and advances to banks at amortised cost | 12.0 | 12.0 | 8.7 | 9.4 | 8.7 | 9.4 | 8.3 | 8.1 | ||
Debt securities at amortised cost | 73.5 | 68.3 | 68.5 | 70.7 | 69.9 | 71.4 | 68.2 | 64.6 | ||
Loans and advances at amortised cost | 444.8 | 438.6 | 430.0 | 426.5 | 417.8 | 419.4 | 414.5 | 399.2 | ||
Loans and advances at amortised cost impairment coverage ratio | 1.2% | 1.3% | 1.2% | 1.2% | 1.2% | 1.2% | 1.2% | 1.3% | ||
Total assets | 1,730.4 | 1,694.8 | 1,544.2 | 1,629.2 | 1,598.7 | 1,593.5 | 1,518.2 | 1,531.1 | ||
Deposits at amortised cost | 594.4 | 587.6 | 585.6 | 575.3 | 564.5 | 574.3 | 560.7 | 542.8 | ||
Net asset value per share | 489p | 466p | 469p | 451p | 442p | 430p | 414p | 407p | ||
Tangible net asset value per share | 423p | 405p | 409p | 392p | 384p | 372p | 357p | 351p | ||
Common equity tier 1 ratio | 14.3% | 14.1% | 14.3% | 14.1% | 14.0% | 13.9% | 13.6% | 13.8% | ||
Common equity tier 1 capital | 52.2 | 51.2 | 51.1 | 50.3 | 49.5 | 48.8 | 48.6 | 47.0 | ||
Risk weighted assets | 364.8 | 364.5 | 356.8 | 357.4 | 353.0 | 351.3 | 358.1 | 340.4 | ||
UK leverage ratio | 4.9% | 4.8% | 5.1% | 4.9% | 5.0% | 5.0% | 5.0% | 4.9% | ||
UK leverage exposure | 1,345.6 | 1,321.3 | 1,247.3 | 1,285.3 | 1,259.8 | 1,252.8 | 1,206.5 | 1,197.4 | ||
Funding and liquidity | ||||||||||
Group liquidity pool (£bn) | 346.7 | 326.1 | 337.8 | 332.9 | 333.7 | 336.3 | 296.9 | 311.7 | ||
Liquidity coverage ratio2 | 157.7% | 165.4% | 170.0% | 174.6% | 177.7% | 175.3% | 172.4% | 170.1% | ||
Net stable funding ratio | 135.8% | 135.4% | 135.2% | 135.3% | 135.6% | 136.2% | 134.9% | 135.6% | ||
Loan: deposit ratio | 75% | 75% | 73% | 74% | 74% | 73% | 74% | 74% | ||
Barclays PLC | 21 | ![]() |
Quarterly Results by Business |
Barclays UK | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q4241 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 2,000 | 1,986 | 2,015 | 1,961 | 1,855 | 1,822 | 1,815 | 1,666 | ||
Net fee, commission and other income | 259 | 272 | 247 | 292 | 264 | 252 | 800 | 280 | ||
Total income | 2,259 | 2,258 | 2,262 | 2,253 | 2,119 | 2,074 | 2,615 | 1,946 | ||
Operating costs | (1,194) | (1,174) | (1,274) | (1,189) | (1,168) | (1,115) | (1,170) | (1,017) | ||
UK regulatory levies | — | (44) | (41) | (1) | — | (43) | (36) | 12 | ||
Litigation and conduct | (1) | 1 | (14) | (8) | (27) | (2) | (9) | (1) | ||
Total operating expenses | (1,195) | (1,217) | (1,329) | (1,198) | (1,195) | (1,160) | (1,215) | (1,006) | ||
Other net income | — | — | — | — | — | — | — | — | ||
Profit before impairment | 1,064 | 1,041 | 933 | 1,055 | 924 | 914 | 1,400 | 940 | ||
Credit impairment charges | (160) | (178) | (74) | (102) | (79) | (158) | (283) | (16) | ||
Profit before tax | 904 | 863 | 859 | 953 | 845 | 756 | 1,117 | 924 | ||
Attributable profit | 623 | 591 | 706 | 647 | 580 | 510 | 781 | 621 | ||
Balance sheet information | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Loans and advances to customers at amortised cost | 220.8 | 217.8 | 216.5 | 213.4 | 211.2 | 209.6 | 207.7 | 199.3 | ||
Customer deposits at amortised cost | 245.6 | 243.9 | 244.6 | 241.5 | 241.3 | 243.1 | 244.2 | 236.3 | ||
Loan: deposit ratio | 97% | 95% | 94% | 95% | 94% | 93% | 92% | 92% | ||
Risk weighted assets | 89.0 | 87.5 | 85.8 | 86.7 | 86.1 | 85.0 | 84.5 | 77.5 | ||
Performance measures | ||||||||||
Return on average allocated equity | 15.4% | 14.8% | 17.8% | 16.3% | 14.8% | 13.0% | 20.7% | 17.1% | ||
Return on average allocated tangible equity | 20.4% | 19.7% | 23.8% | 21.8% | 19.7% | 17.4% | 28.0% | 23.4% | ||
Average allocated equity (£bn) | 16.2 | 15.9 | 15.9 | 15.9 | 15.8 | 15.7 | 15.1 | 14.5 | ||
Average allocated tangible equity (£bn) | 12.2 | 12.0 | 11.9 | 11.9 | 11.8 | 11.7 | 11.2 | 10.6 | ||
Cost: income ratio | 53% | 54% | 59% | 53% | 56% | 56% | 46% | 52% | ||
Loan loss rate (bps) | 27 | 31 | 13 | 18 | 14 | 28 | 49 | 3 | ||
Net interest margin | 3.68% | 3.72% | 3.72% | 3.68% | 3.55% | 3.55% | 3.53% | 3.34% | ||
Barclays PLC | 22 | ![]() |
Quarterly Results by Business |
Analysis of Barclays UK | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q4241 | Q324 | ||
Analysis of total income | £m | £m | £m | £m | £m | £m | £m | £m | ||
Retail Banking | 1,711 | 1,725 | 1,702 | 1,708 | 1,599 | 1,573 | 2,078 | 1,433 | ||
Business Banking | 548 | 533 | 560 | 545 | 520 | 501 | 537 | 513 | ||
Total income | 2,259 | 2,258 | 2,262 | 2,253 | 2,119 | 2,074 | 2,615 | 1,946 | ||
Analysis of credit impairment (charges)/releases | ||||||||||
Retail Banking | (165) | (179) | (72) | (98) | (59) | (145) | (279) | (12) | ||
Business Banking | 5 | 1 | (2) | (4) | (20) | (13) | (4) | (4) | ||
Total credit impairment charges | (160) | (178) | (74) | (102) | (79) | (158) | (283) | (16) | ||
Analysis of loans and advances to customers at amortised cost | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Retail Banking | 203.1 | 200.1 | 198.6 | 195.2 | 192.4 | 190.4 | 188.0 | 178.7 | ||
Business Banking | 17.7 | 17.7 | 17.9 | 18.2 | 18.8 | 19.2 | 19.7 | 20.6 | ||
Total loans and advances to customers at amortised cost | 220.8 | 217.8 | 216.5 | 213.4 | 211.2 | 209.6 | 207.7 | 199.3 | ||
Analysis of customer deposits at amortised cost | ||||||||||
Retail Banking | 194.5 | 193.1 | 192.7 | 189.3 | 189.3 | 190.8 | 191.4 | 182.9 | ||
Business Banking | 51.1 | 50.8 | 51.9 | 52.2 | 52.0 | 52.3 | 52.8 | 53.4 | ||
Total customer deposits at amortised cost | 245.6 | 243.9 | 244.6 | 241.5 | 241.3 | 243.1 | 244.2 | 236.3 |
Barclays PLC | 23 | ![]() |
Quarterly Results by Business |
Barclays UK Corporate Bank | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 413 | 394 | 396 | 383 | 359 | 342 | 324 | 309 | ||
Net fee, commission and other income | 145 | 136 | 143 | 139 | 160 | 142 | 134 | 136 | ||
Total income | 558 | 530 | 539 | 522 | 519 | 484 | 458 | 445 | ||
Operating costs | (249) | (239) | (272) | (243) | (240) | (234) | (250) | (229) | ||
UK regulatory levies | — | (15) | (14) | 9 | — | (24) | (14) | 7 | ||
Litigation and conduct | — | — | — | — | (39) | — | (1) | — | ||
Total operating expenses | (249) | (254) | (286) | (234) | (279) | (258) | (265) | (222) | ||
Other net income | — | — | — | — | — | — | — | — | ||
Profit before impairment | 309 | 276 | 253 | 288 | 240 | 226 | 193 | 223 | ||
Credit impairment charges | (16) | (3) | (1) | (5) | (12) | (19) | (40) | (13) | ||
Profit before tax | 293 | 273 | 252 | 283 | 228 | 207 | 153 | 210 | ||
Attributable profit | 201 | 187 | 168 | 196 | 142 | 142 | 98 | 144 | ||
Balance sheet information | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Loans and advances to customers at amortised cost | 31.3 | 30.8 | 30.0 | 29.0 | 27.9 | 26.7 | 25.4 | 24.8 | ||
Deposits at amortised cost | 89.1 | 88.0 | 88.7 | 86.7 | 85.3 | 85.3 | 83.1 | 82.3 | ||
Risk weighted assets | 26.6 | 27.3 | 26.5 | 25.2 | 25.3 | 24.2 | 23.9 | 22.1 | ||
Performance measures | ||||||||||
Return on average allocated equity | 21.3% | 19.9% | 19.1% | 22.8% | 16.6% | 17.1% | 12.3% | 18.8% | ||
Return on average allocated tangible equity | 21.3% | 19.9% | 19.1% | 22.8% | 16.6% | 17.1% | 12.3% | 18.8% | ||
Average allocated equity (£bn) | 3.8 | 3.8 | 3.5 | 3.4 | 3.4 | 3.3 | 3.2 | 3.1 | ||
Average allocated tangible equity (£bn) | 3.8 | 3.8 | 3.5 | 3.4 | 3.4 | 3.3 | 3.2 | 3.1 | ||
Cost: income ratio | 45% | 48% | 53% | 45% | 54% | 53% | 58% | 50% | ||
Loan loss rate (bps) | 20 | 4 | 1 | 7 | 17 | 28 | 62 | 21 | ||
Analysis of total income | £m | £m | £m | £m | £m | £m | £m | £m | ||
Corporate lending | 96 | 89 | 97 | 90 | 90 | 80 | 71 | 67 | ||
Transaction banking | 462 | 441 | 442 | 432 | 429 | 404 | 387 | 378 | ||
Total income | 558 | 530 | 539 | 522 | 519 | 484 | 458 | 445 |
Barclays PLC | 24 | ![]() |
Quarterly Results by Business |
Barclays Private Bank and Wealth Management | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 216 | 204 | 202 | 190 | 203 | 204 | 216 | 189 | ||
Net fee, commission and other income | 150 | 143 | 146 | 145 | 145 | 145 | 135 | 137 | ||
Total income | 366 | 347 | 348 | 335 | 348 | 349 | 351 | 326 | ||
Operating costs | (267) | (254) | (279) | (243) | (238) | (234) | (255) | (222) | ||
UK regulatory levies | — | (3) | (7) | (1) | — | (2) | (7) | 1 | ||
Litigation and conduct | — | — | (10) | 1 | — | — | (1) | — | ||
Total operating expenses | (267) | (257) | (296) | (243) | (238) | (236) | (263) | (221) | ||
Other net income | — | — | — | — | — | — | — | — | ||
Profit before impairment | 99 | 90 | 52 | 92 | 110 | 113 | 88 | 105 | ||
Credit impairment releases/(charges) | (5) | 2 | (2) | (1) | 2 | 9 | (2) | (7) | ||
Profit before tax | 94 | 92 | 50 | 91 | 112 | 122 | 86 | 98 | ||
Attributable profit | 75 | 73 | 35 | 72 | 88 | 96 | 63 | 74 | ||
Balance sheet information | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Loans and advances to customers at amortised cost | 14.8 | 14.7 | 14.7 | 14.9 | 14.5 | 14.5 | 14.5 | 14.0 | ||
Deposits at amortised cost | 72.7 | 73.3 | 72.0 | 70.6 | 66.7 | 73.1 | 69.5 | 64.8 | ||
Risk weighted assets | 8.0 | 8.2 | 8.0 | 7.9 | 7.9 | 8.0 | 7.9 | 7.3 | ||
Client assets and liabilities1 | 230.2 | 223.8 | 227.6 | 221.5 | 213.4 | 212.4 | 208.9 | 201.5 | ||
Performance measures | ||||||||||
Return on average allocated equity | 24.8% | 23.5% | 11.6% | 24.3% | 29.3% | 31.8% | 21.9% | 26.5% | ||
Return on average allocated tangible equity | 26.9% | 25.5% | 12.6% | 26.4% | 31.9% | 34.5% | 23.9% | 29.0% | ||
Average allocated equity (£bn) | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | ||
Average allocated tangible equity (£bn) | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | ||
Cost: income ratio | 73% | 74% | 85% | 73% | 68% | 68% | 75% | 68% | ||
Loan loss rate (bps) | 13 | (6) | 5 | 3 | (5) | (25) | 5 | 19 |
Barclays PLC | 25 | ![]() |
Quarterly Results by Business |
Barclays Investment Bank | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 411 | 383 | 356 | 347 | 334 | 297 | 284 | 282 | ||
Net trading income | 2,271 | 2,358 | 1,294 | 1,581 | 1,906 | 2,416 | 1,262 | 1,512 | ||
Net fee, commission and other income | 1,276 | 1,287 | 1,142 | 1,155 | 1,067 | 1,160 | 1,061 | 1,057 | ||
Total income | 3,958 | 4,028 | 2,792 | 3,083 | 3,307 | 3,873 | 2,607 | 2,851 | ||
Operating costs | (2,199) | (2,107) | (1,924) | (2,010) | (1,932) | (2,061) | (1,903) | (1,906) | ||
UK regulatory levies | — | (22) | (159) | 5 | — | (27) | (161) | 7 | ||
Litigation and conduct | — | 2 | (8) | (9) | (8) | (3) | (26) | (17) | ||
Total operating expenses | (2,199) | (2,127) | (2,091) | (2,014) | (1,940) | (2,091) | (2,090) | (1,916) | ||
Other net income | — | — | — | — | — | — | — | — | ||
Profit before impairment | 1,759 | 1,901 | 701 | 1,069 | 1,367 | 1,782 | 517 | 935 | ||
Credit impairment charges | (44) | (279) | (22) | (144) | (67) | (72) | (46) | (43) | ||
Profit before tax | 1,715 | 1,622 | 679 | 925 | 1,300 | 1,710 | 471 | 892 | ||
Attributable profit | 1,204 | 1,111 | 294 | 723 | 876 | 1,199 | 247 | 652 | ||
Balance sheet information | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Loans and advances to customers at amortised cost | 70.8 | 73.6 | 70.0 | 68.6 | 66.8 | 68.6 | 69.7 | 64.5 | ||
Loans and advances to banks at amortised cost | 11.0 | 10.0 | 7.4 | 7.5 | 7.1 | 7.4 | 6.8 | 6.7 | ||
Debt securities at amortised cost | 54.5 | 52.9 | 52.9 | 53.0 | 52.4 | 53.1 | 47.9 | 44.8 | ||
Loans and advances at amortised cost | 136.3 | 136.5 | 130.3 | 129.1 | 126.3 | 129.1 | 124.4 | 116.0 | ||
Trading portfolio assets | 208.2 | 189.3 | 189.5 | 191.3 | 186.1 | 185.5 | 166.1 | 185.8 | ||
Derivative financial instrument assets | 302.6 | 285.4 | 251.5 | 263.8 | 279.0 | 253.6 | 291.6 | 256.7 | ||
Financial assets at fair value through the income statement | 209.9 | 215.6 | 183.6 | 222.8 | 215.2 | 209.5 | 190.4 | 210.8 | ||
Cash collateral and settlement balances | 182.5 | 189.2 | 121.6 | 152.1 | 145.0 | 148.8 | 111.1 | 134.7 | ||
Deposits at amortised cost | 162.3 | 157.4 | 156.1 | 152.8 | 148.7 | 148.9 | 140.5 | 139.8 | ||
Derivative financial instrument liabilities | 291.6 | 272.6 | 240.6 | 252.0 | 265.1 | 245.1 | 279.0 | 249.4 | ||
Risk weighted assets | 204.1 | 201.7 | 196.7 | 199.1 | 196.4 | 195.9 | 198.8 | 194.2 | ||
Performance measures | ||||||||||
Return on average allocated equity | 16.0% | 15.0% | 4.0% | 10.1% | 12.2% | 16.2% | 3.4% | 8.8% | ||
Return on average allocated tangible equity | 16.0% | 15.0% | 4.0% | 10.1% | 12.2% | 16.2% | 3.4% | 8.8% | ||
Average allocated tangible equity (£bn) | 30.0 | 29.7 | 29.6 | 28.6 | 28.7 | 29.6 | 29.3 | 29.5 | ||
Income over average risk weighted assets | 7.7% | 8.0% | 5.5% | 6.3% | 6.7% | 7.7% | 5.2% | 5.7% | ||
Cost: income ratio | 56% | 53% | 75% | 65% | 59% | 54% | 80% | 67% | ||
Loan loss rate (bps) | 13 | 82 | 7 | 44 | 21 | 23 | 15 | 15 | ||
Analysis of total income | £m | £m | £m | £m | £m | £m | £m | £m | ||
FICC | 1,471 | 1,716 | 1,024 | 1,256 | 1,450 | 1,699 | 934 | 1,180 | ||
Equities | 1,261 | 1,116 | 703 | 689 | 870 | 963 | 604 | 692 | ||
Global Markets | 2,732 | 2,832 | 1,727 | 1,945 | 2,320 | 2,662 | 1,538 | 1,872 | ||
Advisory | 188 | 255 | 214 | 196 | 123 | 143 | 189 | 186 | ||
Equity capital markets | 157 | 92 | 56 | 71 | 81 | 70 | 98 | 64 | ||
Debt capital markets | 402 | 407 | 336 | 379 | 364 | 431 | 327 | 344 | ||
Banking Fees and Underwriting | 747 | 754 | 606 | 646 | 568 | 644 | 614 | 594 | ||
Corporate lending | 37 | 16 | 27 | 68 | (4) | 156 | 45 | (21) | ||
Transaction banking | 442 | 426 | 432 | 424 | 423 | 411 | 410 | 406 | ||
International Corporate Banking | 479 | 442 | 459 | 492 | 419 | 567 | 455 | 385 | ||
Investment Banking | 1,226 | 1,196 | 1,065 | 1,138 | 987 | 1,211 | 1,069 | 979 | ||
Total income | 3,958 | 4,028 | 2,792 | 3,083 | 3,307 | 3,873 | 2,607 | 2,851 |
Barclays PLC | 26 | ![]() |
Quarterly Results by Business |
Barclays US Consumer Bank | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 732 | 823 | 776 | 726 | 640 | 678 | 678 | 647 | ||
Net fee, commission, trading and other income | 404 | 160 | 277 | 215 | 183 | 186 | 179 | 144 | ||
Total income | 1,136 | 983 | 1,053 | 941 | 823 | 864 | 857 | 791 | ||
Operating costs | (442) | (380) | (427) | (407) | (396) | (407) | (433) | (384) | ||
UK regulatory levies | — | — | — | — | — | — | — | — | ||
Litigation and conduct | (2) | — | (5) | — | — | (3) | — | (9) | ||
Total operating expenses | (444) | (380) | (432) | (407) | (396) | (410) | (433) | (393) | ||
Other net income | — | — | — | — | — | — | — | — | ||
Profit before impairment | 692 | 603 | 621 | 534 | 427 | 454 | 424 | 398 | ||
Credit impairment charges | (346) | (367) | (431) | (379) | (312) | (399) | (298) | (276) | ||
Profit before tax | 346 | 236 | 190 | 155 | 115 | 55 | 126 | 122 | ||
Attributable profit | 253 | 176 | 144 | 118 | 87 | 41 | 94 | 89 | ||
Balance sheet information | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Loans and advances to customers at amortised cost | 21.7 | 21.0 | 21.1 | 20.0 | 18.2 | 18.8 | 20.0 | 23.2 | ||
Deposits at amortised cost | 24.7 | 25.0 | 24.2 | 23.7 | 22.5 | 23.8 | 23.3 | 19.4 | ||
Risk weighted assets | 24.3 | 27.6 | 27.4 | 25.8 | 24.7 | 25.6 | 26.8 | 23.2 | ||
Performance measures | ||||||||||
Return on average allocated equity | 24.7% | 16.5% | 13.8% | 11.7% | 8.8% | 3.9% | 9.5% | 9.3% | ||
Return on average allocated tangible equity1 | 30.2% | 18.8% | 15.8% | 13.5% | 10.2% | 4.5% | 11.2% | 10.9% | ||
Average allocated equity (£bn) | 4.1 | 4.3 | 4.2 | 4.0 | 4.0 | 4.2 | 4.0 | 3.8 | ||
Average allocated tangible equity (£bn) | 3.3 | 3.8 | 3.6 | 3.5 | 3.4 | 3.6 | 3.4 | 3.3 | ||
Cost: income ratio | 39% | 39% | 41% | 43% | 48% | 47% | 51% | 50% | ||
Loan loss rate (bps)2 | 555 | 491 | 558 | 505 | 456 | 562 | 395 | 411 | ||
Net interest margin | 13.20% | 12.76% | 11.63% | 11.50% | 10.83% | 10.53% | 10.66% | 10.38% |
Barclays PLC | 27 | ![]() |
Quarterly Results by Business |
Head Office | ||||||||||
Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
Income statement information | £m | £m | £m | £m | £m | £m | £m | £m | ||
Net interest income | 149 | (53) | (11) | 138 | 114 | 174 | 183 | 215 | ||
Net fee, commission and other income | (88) | 70 | 94 | (105) | (43) | (109) | (107) | (27) | ||
Total income | 61 | 17 | 83 | 33 | 71 | 65 | 76 | 188 | ||
Operating costs | (163) | (205) | (203) | (162) | (175) | (207) | (233) | (197) | ||
UK regulatory levies | — | — | (8) | — | — | — | (9) | — | ||
Litigation and conduct | (1) | (107) | (13) | (239) | (2) | (3) | (84) | (7) | ||
Total operating expenses | (164) | (312) | (224) | (401) | (177) | (210) | (326) | (204) | ||
Other net income/(expenses) | 3 | 21 | (25) | 39 | (9) | 18 | — | 21 | ||
(Loss)/profit before impairment | (100) | (274) | (166) | (329) | (115) | (127) | (250) | 5 | ||
Credit impairment releases/(charges) | — | 2 | (5) | (1) | (1) | (4) | (42) | (19) | ||
Loss before tax | (100) | (272) | (171) | (330) | (116) | (131) | (292) | (14) | ||
Attributable loss | (97) | (206) | (152) | (299) | (114) | (124) | (318) | (16) | ||
Balance sheet information | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Risk weighted assets | 12.7 | 12.3 | 12.3 | 12.7 | 12.6 | 12.7 | 16.2 | 16.1 | ||
Period end allocated tangible equity | 6.5 | 5.4 | 7.5 | 5.8 | 5.9 | 4.7 | 2.4 | 4.9 | ||
Performance measures | ||||||||||
Average allocated equity (£bn) | 9.5 | 10.6 | 10.4 | 10.2 | 9.0 | 7.4 | 6.9 | 7.1 | ||
Average allocated tangible equity (£bn) | 5.6 | 6.8 | 6.7 | 6.6 | 5.5 | 3.8 | 3.4 | 3.5 |
Barclays PLC | 28 | ![]() |
Performance Management |
Margins and balances | ||||||
Half year ended 30.06.26 | Half year ended 30.06.25 | |||||
Net interest income | Average customer assets | Net interest margin | Net interest income | Average customer assets | Net interest margin | |
£m | £m | % | £m | £m | % | |
Barclays UK | 3,986 | 217,201 | 3.70 | 3,677 | 208,977 | 3.55 |
Barclays UK Corporate Bank | 807 | 29,070 | 5.60 | 701 | 25,044 | 5.64 |
Barclays Private Bank and Wealth Management | 420 | 14,979 | 5.65 | 407 | 14,701 | 5.58 |
Barclays US Consumer Bank | 1,555 | 24,203 | 12.96 | 1,318 | 24,897 | 10.68 |
Group excluding IB and Head Office | 6,768 | 285,453 | 4.78 | 6,103 | 273,619 | 4.50 |
Barclays Investment Bank | 794 | 631 | ||||
Head Office | 96 | 288 | ||||
Barclays Group Net interest income | 7,658 | 7,022 | ||||
Quarterly analysis | |||||
Q226 | Q126 | Q425 | Q325 | Q225 | |
Net interest income | £m | £m | £m | £m | £m |
Barclays UK | 2,000 | 1,986 | 2,015 | 1,961 | 1,855 |
Barclays UK Corporate Bank | 413 | 394 | 396 | 383 | 359 |
Barclays Private Bank and Wealth Management | 216 | 204 | 202 | 190 | 203 |
Barclays US Consumer Bank | 732 | 823 | 776 | 726 | 640 |
Group excluding IB and Head Office | 3,361 | 3,407 | 3,389 | 3,260 | 3,057 |
Average customer assets | £m | £m | £m | £m | £m |
Barclays UK | 217,778 | 216,623 | 214,770 | 211,384 | 209,649 |
Barclays UK Corporate Bank | 29,603 | 28,536 | 27,841 | 26,645 | 25,478 |
Barclays Private Bank and Wealth Management | 14,936 | 15,022 | 15,105 | 14,802 | 14,729 |
Barclays US Consumer Bank | 22,247 | 26,163 | 26,470 | 25,037 | 23,713 |
Group excluding IB and Head Office | 284,564 | 286,344 | 284,186 | 277,868 | 273,569 |
Net interest margin | % | % | % | % | % |
Barclays UK | 3.68 | 3.72 | 3.72 | 3.68 | 3.55 |
Barclays UK Corporate Bank | 5.60 | 5.60 | 5.64 | 5.70 | 5.65 |
Barclays Private Bank and Wealth Management | 5.80 | 5.51 | 5.31 | 5.09 | 5.53 |
Barclays US Consumer Bank | 13.20 | 12.76 | 11.63 | 11.50 | 10.83 |
Group excluding IB and Head Office | 4.74 | 4.83 | 4.73 | 4.65 | 4.48 |
Barclays PLC | 29 | ![]() |
Performance Management |
Barclays PLC | 30 | ![]() |
Risk Management |
Barclays PLC | 31 | ![]() |
Credit Risk |
Gross exposure | Impairment allowance | ||||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||
As at 30.06.26 | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans1 | |||||||||||
Total UK | |||||||||||
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans | |||||||||||
Total Rest of the World | |||||||||||
Total loans and advances at amortised cost | |||||||||||
Debt securities at amortised cost | |||||||||||
Total loans and advances at amortised cost including debt securities | |||||||||||
Off-balance sheet loan commitments and financial guarantee contracts2 | |||||||||||
Total3,4 | |||||||||||
Net exposure | Coverage ratio | ||||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||
As at 30.06.26 | £m | £m | £m | £m | £m | % | % | % | % | % | |
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans1 | |||||||||||
Total UK | |||||||||||
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans | |||||||||||
Total Rest of the World | |||||||||||
Total loans and advances at amortised cost | |||||||||||
Debt securities at amortised cost | |||||||||||
Total loans and advances at amortised cost including debt securities | |||||||||||
Off-balance sheet loan commitments and financial guarantee contracts2 | |||||||||||
Total3,4 | |||||||||||
Barclays PLC | 32 | ![]() |
Credit Risk |
Gross exposure | Impairment allowance | ||||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||
As at 31.12.25 | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans1 | |||||||||||
Total UK | |||||||||||
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans | |||||||||||
Total Rest of the World | |||||||||||
Total loans and advances at amortised cost | |||||||||||
Debt securities at amortised cost | |||||||||||
Total loans and advances at amortised cost including debt securities | |||||||||||
Off-balance sheet loan commitments and financial guarantee contracts2 | |||||||||||
Total3,4 | |||||||||||
Net exposure | Coverage ratio | ||||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||
As at 31.12.25 | £m | £m | £m | £m | £m | % | % | % | % | % | |
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans1 | |||||||||||
Total UK | |||||||||||
Retail mortgages | |||||||||||
Retail credit cards | |||||||||||
Retail other | |||||||||||
Corporate loans | |||||||||||
Total Rest of the World | |||||||||||
Total loans and advances at amortised cost | |||||||||||
Debt securities at amortised cost | |||||||||||
Total loans and advances at amortised cost including debt securities | |||||||||||
Off-balance sheet loan commitments and financial guarantee contracts2 | |||||||||||
Total3,4 | |||||||||||
Barclays PLC | 33 | ![]() |
Credit Risk |
Stage 2 | ||||||||
As at 30.06.26 | Stage 1 | Not past due | <=30 days past due | >30 days past due | Total | Stage 3 excluding POCI | Stage 3 POCI | Total |
Gross exposure | £m | £m | £m | £m | £m | £m | £m | £m |
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
Impairment allowance | ||||||||
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
Net exposure | ||||||||
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
Coverage ratio | % | % | % | % | % | % | % | % |
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
As at 31.12.25 | ||||||||
Gross exposure | £m | £m | £m | £m | £m | £m | £m | £m |
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
Impairment allowance | ||||||||
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
Net exposure | ||||||||
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total | ||||||||
Coverage ratio | % | % | % | % | % | % | % | % |
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ||||||||
Total |
Barclays PLC | 34 | ![]() |
Credit Risk |
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||||||
Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | |
Retail mortgages | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m |
As at 01.01.26 | ||||||||||
Transfers from Stage 1 to Stage 2 | ( | ( | ||||||||
Transfers from Stage 2 to Stage 1 | ( | ( | ||||||||
Transfers to Stage 3 | ( | ( | ( | |||||||
Transfers from Stage 3 | ( | ( | ||||||||
Business activity in the period | ||||||||||
Refinements to models used for calculation | ( | ( | ||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ( | ( | ||||||
Final repayments | ( | ( | ( | ( | ( | ( | ( | ( | ||
Disposals1 | ( | ( | ( | ( | ( | ( | ( | |||
Write-offs | ( | ( | ( | ( | ||||||
As at 30.06.26 | ||||||||||
Retail credit cards | ||||||||||
As at 01.01.26 | ||||||||||
Transfers from Stage 1 to Stage 2 | ( | ( | ||||||||
Transfers from Stage 2 to Stage 1 | ( | ( | ||||||||
Transfers to Stage 3 | ( | ( | ( | ( | ||||||
Transfers from Stage 3 | ( | ( | ||||||||
Business activity in the period2 | ||||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ( | ( | ( | |||||
Final repayments | ( | ( | ( | ( | ( | ( | ( | ( | ||
Disposals1 | ( | ( | ( | ( | ||||||
Write-offs | ( | ( | ( | ( | ||||||
As at 30.06.26 | ||||||||||
Barclays PLC | 35 | ![]() |
Credit Risk |
Loans and advances at amortised cost | ||||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||||||
Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | |
Retail other | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m |
As at 01.01.26 | ||||||||||
Transfers from Stage 1 to Stage 2 | ( | ( | ||||||||
Transfers from Stage 2 to Stage 1 | ( | ( | ||||||||
Transfers to Stage 3 | ( | ( | ( | ( | ||||||
Transfers from Stage 3 | ( | ( | ||||||||
Business activity in the period1 | ||||||||||
Refinements to models used for calculation | ( | ( | ||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ( | ( | ||||||
Final repayments | ( | ( | ( | ( | ( | ( | ( | ( | ||
Disposals2 | ( | ( | ( | ( | ||||||
Write-offs | ( | ( | ( | ( | ||||||
As at 30.06.26 | ||||||||||
Corporate loans | ||||||||||
As at 01.01.26 | ||||||||||
Transfers from Stage 1 to Stage 2 | ( | ( | ||||||||
Transfers from Stage 2 to Stage 1 | ( | ( | ||||||||
Transfers to Stage 3 | ( | ( | ( | ( | ||||||
Transfers from Stage 3 | ( | ( | ||||||||
Business activity in the period | ||||||||||
Refinements to models used for calculation | ( | |||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ||||||||
Final repayments | ( | ( | ( | ( | ( | ( | ( | ( | ||
Disposals2 | ( | ( | ( | ( | ||||||
Write-offs | ( | ( | ( | ( | ||||||
As at 30.06.26 | ||||||||||
Barclays PLC | 36 | ![]() |
Credit Risk |
Reconciliation of ECL movement to impairment charges for the period | ||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||||
£m | £m | £m | £m | £m | ||||
Retail mortgages | ||||||||
Retail credit cards | ||||||||
Retail other | ||||||||
Corporate loans | ( | |||||||
ECL movements excluding disposals and write-offs1 | ||||||||
ECL movement on loan commitments and other financial guarantees | ( | |||||||
ECL movement on other financial assets | ( | |||||||
ECL movement on debt securities at amortised cost | ( | ( | ||||||
Recoveries and reimbursements2 | ( | ( | ( | ( | ||||
ECL charge on assets held for sale3 | ||||||||
Total exchange and other adjustments | ( | |||||||
Total income statement charges for the period | ||||||||
Barclays PLC | 37 | ![]() |
Credit Risk |
Loan commitments and financial guarantees1 | ||||||||||
Stage 1 | Stage 2 | Stage 3 excluding POCI | Stage 3 POCI | Total | ||||||
Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | Gross exposure | ECL | |
Retail mortgages | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m |
As at 01.01.26 | ||||||||||
Net transfers between stages | ( | |||||||||
Business activity in the period | ||||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ( | ( | ||||||
Limit management and final repayments | ( | ( | ( | |||||||
As at 30.06.26 | ||||||||||
Retail credit cards | ||||||||||
As at 01.01.26 | ||||||||||
Net transfers between stages | ( | ( | ||||||||
Business activity in the period | ||||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ( | |||||||
Limit management and final repayments | ( | ( | ( | ( | ( | ( | ( | |||
Disposals2 | ( | ( | ( | |||||||
As at 30.06.26 | ||||||||||
Retail other | ||||||||||
As at 01.01.26 | ||||||||||
Net transfers between stages | ( | |||||||||
Business activity in the period | ||||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ||||||||
Limit management and final repayments | ( | ( | ( | |||||||
As at 30.06.26 | ||||||||||
Corporate loans | ||||||||||
As at 01.01.26 | ||||||||||
Net transfers between stages | ( | ( | ||||||||
Business activity in the period | ||||||||||
Net drawdowns, repayments, net re- measurement and movement due to exposure and risk parameter changes | ( | ( | ||||||||
Limit management and final repayments | ( | ( | ( | ( | ( | ( | ( | ( | ||
Disposals2 | ( | ( | ( | |||||||
As at 30.06.26 | ||||||||||
Barclays PLC | 38 | ![]() |
Credit Risk |
Impairment allowance pre management adjustments1 | Economic uncertainty adjustments | Other adjustments | Management adjustments2 | Total impairment allowance3 | Proportion of Management adjustments to total impairment allowance | |
(a) | (b) | (a+b) | ||||
As at 30.06.26 | £m | £m | £m | £m | £m | % |
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Total UK | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Total Rest of the World | ||||||
Total | ||||||
Debt securities at amortised cost | ||||||
Total including debt securities at amortised cost | ||||||
As at 31.12.25 | £m | £m | £m | £m | £m | % |
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Total UK | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Total Rest of the World | ||||||
Total | ||||||
Debt securities at amortised cost | ||||||
Total including debt securities at amortised cost |
Barclays PLC | 39 | ![]() |
Credit Risk |
Stage 1 | Stage 2 | Stage 3 | Total | |
As at 30.06.26 | £m | £m | £m | £m |
Retail mortgages | ||||
Retail credit cards | ||||
Retail other | ||||
Corporate loans | ||||
Total UK | ||||
Retail mortgages | ||||
Retail credit cards | ||||
Retail other | ||||
Corporate loans | ||||
Total Rest of the World | ||||
Total | ||||
Debt securities at amortised cost | ||||
Total including debt securities at amortised cost |
As at 31.12.25 | £m | £m | £m | £m |
Retail mortgages | ||||
Retail credit cards | ||||
Retail other | ||||
Corporate loans | ||||
Total UK | ||||
Retail mortgages | ||||
Retail credit cards | ||||
Retail other | ||||
Corporate loans | ||||
Total Rest of the World | ||||
Total | ||||
Debt securities at amortised cost | ||||
Total including debt securities at amortised cost |
Barclays PLC | 40 | ![]() |
Credit Risk |
Barclays PLC | 41 | ![]() |
Credit Risk |
Barclays PLC | 42 | ![]() |
Credit Risk |
Macroeconomic variables used in the calculation of ECL | |||||
As at 30.06.26 | 2026 | 2027 | 2028 | 2029 | 2030 |
Baseline | % | % | % | % | % |
UK GDP1 | |||||
UK unemployment2 | |||||
UK HPI3 | |||||
UK bank rate6 | |||||
US GDP1 | |||||
US unemployment4 | |||||
US HPI5 | |||||
US federal funds rate6 | |||||
Downside 2 | |||||
UK GDP1 | ( | ( | |||
UK unemployment2 | |||||
UK HPI3 | ( | ( | |||
UK bank rate6 | |||||
US GDP1 | ( | ||||
US unemployment4 | |||||
US HPI5 | ( | ( | |||
US federal funds rate6 | |||||
Downside 1 | |||||
UK GDP1 | ( | ( | |||
UK unemployment2 | |||||
UK HPI3 | ( | ( | |||
UK bank rate6 | |||||
US GDP1 | ( | ||||
US unemployment4 | |||||
US HPI5 | ( | ( | |||
US federal funds rate6 | |||||
Upside 2 | |||||
UK GDP1 | |||||
UK unemployment2 | |||||
UK HPI3 | |||||
UK bank rate6 | |||||
US GDP1 | |||||
US unemployment4 | |||||
US HPI5 | |||||
US federal funds rate6 | |||||
Upside 1 | |||||
UK GDP1 | |||||
UK unemployment2 | |||||
UK HPI3 | |||||
UK bank rate6 | |||||
US GDP1 | |||||
US unemployment4 | |||||
US HPI5 | |||||
US federal funds rate6 | |||||
Barclays PLC | 43 | ![]() |
Credit Risk |
As at 31.12.25 | 2025 | 2026 | 2027 | 2028 | 2029 |
Baseline | % | % | % | % | % |
UK GDP1 | |||||
UK unemployment2 | |||||
UK HPI3 | |||||
UK bank rate6 | |||||
US GDP1 | |||||
US unemployment4 | |||||
US HPI5 | |||||
US federal funds rate6 | |||||
Downside 2 | |||||
UK GDP1 | ( | ( | |||
UK unemployment2 | |||||
UK HPI3 | ( | ( | |||
UK bank rate6 | |||||
US GDP1 | ( | ( | |||
US unemployment4 | |||||
US HPI5 | ( | ( | |||
US federal funds rate6 | |||||
Downside 1 | |||||
UK GDP1 | ( | ||||
UK unemployment2 | |||||
UK HPI3 | ( | ( | |||
UK bank rate6 | |||||
US GDP1 | ( | ( | |||
US unemployment4 | |||||
US HPI5 | ( | ||||
US federal funds rate6 | |||||
Upside 2 | |||||
UK GDP1 | |||||
UK unemployment2 | |||||
UK HPI3 | |||||
UK bank rate6 | |||||
US GDP1 | |||||
US unemployment4 | |||||
US HPI5 | |||||
US federal funds rate6 | |||||
Upside 1 | |||||
UK GDP1 | |||||
UK unemployment2 | |||||
UK HPI3 | |||||
UK bank rate6 | |||||
US GDP1 | |||||
US unemployment4 | |||||
US HPI5 | |||||
US federal funds rate6 |
Scenario weighting | Upside 2 | Upside 1 | Baseline | Downside 1 | Downside 2 |
% | % | % | % | % | |
As at 30.06.26 | |||||
Scenario weighting | |||||
As at 31.12.25 | |||||
Scenario weighting |
Barclays PLC | 44 | ![]() |
Credit Risk |
Macroeconomic variables (specific bases)1 | |||||
Upside 2 | Upside 1 | Baseline | Downside 1 | Downside 2 | |
As at 30.06.26 | % | % | % | % | % |
UK GDP2 | ( | ( | |||
UK unemployment3 | |||||
UK HPI4 | ( | ( | |||
UK bank rate3 | |||||
US GDP2 | ( | ( | |||
US unemployment3 | |||||
US HPI4 | ( | ( | |||
US federal funds rate3 | |||||
As at 31.12.25 | % | % | % | % | % |
UK GDP2 | ( | ( | |||
UK unemployment3 | |||||
UK HPI4 | ( | ( | |||
UK bank rate3 | |||||
US GDP2 | ( | ( | |||
US unemployment3 | |||||
US HPI4 | ( | ( | |||
US federal funds rate3 | |||||
Macroeconomic variables (5-year averages)1 | |||||
Upside 2 | Upside 1 | Baseline | Downside 1 | Downside 2 | |
As at 30.06.26 | % | % | % | % | % |
UK GDP2 | |||||
UK unemployment3 | |||||
UK HPI4 | ( | ||||
UK bank rate3 | |||||
US GDP2 | |||||
US unemployment3 | |||||
US HPI4 | |||||
US federal funds rate3 | |||||
As at 31.12.25 | % | % | % | % | % |
UK GDP2 | |||||
UK unemployment3 | |||||
UK HPI4 | ( | ||||
UK bank rate3 | |||||
US GDP2 | |||||
US unemployment3 | |||||
US HPI4 | |||||
US federal funds rate3 | |||||
Barclays PLC | 45 | ![]() |
Credit Risk |
Scenarios | ||||||
As at 30.06.26 | Weighted1 | Upside 2 | Upside 1 | Baseline | Downside 1 | Downside 2 |
Stage 1 Model Exposure (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 1 Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 1 Coverage (%) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Stage 2 Model Exposure (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 2 Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 2 Coverage (%) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Stage 3 Model Exposure (£m)3 | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 3 Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2,4 | ||||||
Stage 3 Coverage (%) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans4 | ||||||
Total Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2,4 | ||||||
Total Model ECL | ||||||
Barclays PLC | 46 | ![]() |
Credit Risk |
Reconciliation to total ECL | £m |
Total weighted model ECL | |
ECL from individually assessed exposures4 | |
ECL from benchmarked exposures and others5 | |
ECL from debt securities at amortised cost | |
ECL from post model management adjustments | |
Of which: ECL from economic uncertainty adjustments | |
Total ECL |
Barclays PLC | 47 | ![]() |
Credit Risk |
Scenarios | ||||||
As at 31.12.25 | Weighted1 | Upside 2 | Upside 1 | Baseline | Downside 1 | Downside 2 |
Stage 1 Model Exposure (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 1 Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 1 Coverage (%) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Stage 2 Model Exposure (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 2 Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 2 Coverage (%) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans | ||||||
Stage 3 Model Exposure (£m)3 | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2 | ||||||
Stage 3 Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards2 | ||||||
Retail other | ||||||
Corporate loans2,4 | ||||||
Stage 3 Coverage (%) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans4 | ||||||
Total Model ECL (£m) | ||||||
Retail mortgages | ||||||
Retail credit cards | ||||||
Retail other | ||||||
Corporate loans2,4 | ||||||
Total Model ECL | ||||||
Barclays PLC | 48 | ![]() |
Credit Risk |
Reconciliation to total ECL | £m |
Total weighted model ECL | |
ECL from individually assessed exposures4 | |
ECL from benchmarked exposures and others5 | |
ECL from debt securities at amortised cost | |
ECL from held for sale assets (AA portfolio) | ( |
ECL from post model management adjustments | |
Of which: ECL from economic uncertainty adjustments | |
Total ECL |
Barclays PLC | 49 | ![]() |
Credit Risk |
Barclays UK | ||
Home loans principal portfolios | As at 30.06.26 | As at 31.12.25 |
Gross loans and advances (£m) | 176,772 | 172,415 |
>90 day arrears rate, excluding recovery book (%) | 0.1 | 0.1 |
Annualised gross charge-off rates - 180 days past due (%) | 0.5 | 0.5 |
Recovery book proportion of outstanding balances (%) | 0.5 | 0.6 |
Recovery book impairment coverage ratio (%)1 | 4.3 | 4.3 |
Average marked to market LTV | ||
Balance weighted % | 56.5 | 55.2 |
Valuation weighted % | 42.7 | 41.5 |
New lending | Half year ended 30.06.26 | Half year ended 30.06.25 |
New home loan bookings (£m) | 17,654 | 15,448 |
New home loan proportion > 90% LTV (%) | 4.4 | 1.6 |
Average LTV on new home loans: balance weighted (%) | 70.2 | 69.5 |
Average LTV on new home loans: valuation weighted (%) | 62.2 | 60.7 |
Distribution of balances | Distribution of impairment allowance | Coverage ratio | ||||||||||
Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total | |
Barclays UK | % | % | % | % | % | % | % | % | % | % | % | % |
As at 30.06.26 | ||||||||||||
<=75% | 71.0 | 6.7 | 0.9 | 78.6 | 4.7 | 15.4 | 43.7 | 63.8 | — | 0.1 | 2.5 | — |
>75% and <=90% | 18.1 | 1.1 | 0.1 | 19.3 | 6.2 | 7.9 | 9.8 | 23.9 | — | 0.4 | 6.5 | 0.1 |
>90% and <=100% | 2.0 | 0.1 | — | 2.1 | 1.5 | 0.7 | 6.0 | 8.2 | — | 0.7 | 21.0 | 0.2 |
>100% | — | — | — | — | — | 0.1 | 4.0 | 4.1 | 0.1 | 2.7 | 37.3 | 8.0 |
As at 31.12.25 | ||||||||||||
<=75% | 73.4 | 6.9 | 0.9 | 81.2 | 3.3 | 14.1 | 49.9 | 67.3 | — | 0.1 | 2.5 | — |
>75% and <=90% | 16.0 | 1.0 | 0.1 | 17.1 | 4.3 | 6.3 | 11.7 | 22.3 | — | 0.3 | 7.3 | 0.1 |
>90% and <=100% | 1.7 | — | — | 1.7 | 0.8 | 0.5 | 5.4 | 6.7 | — | 0.7 | 22.7 | 0.2 |
>100% | — | — | — | — | — | 0.1 | 3.6 | 3.7 | — | 2.9 | 31.3 | 5.9 |
Barclays PLC | 50 | ![]() |
Credit Risk |
Principal portfolios | Gross exposure | 30 day arrears rate, excluding recovery book | 90 day arrears rate, excluding recovery book | Annualised gross write- off rate | Annualised net write-off rate |
As at 30.06.26 | £m | % | % | % | % |
Barclays UK | |||||
UK cards1 | 17,468 | 0.9 | 0.3 | 1.6 | 1.4 |
UK personal loans1 | 8,860 | 1.2 | 0.5 | 1.7 | 1.6 |
Barclays Partner Finance | 814 | 1.0 | 0.6 | 1.5 | 1.5 |
Barclays US Consumer Bank | |||||
US cards | 23,634 | 2.9 | 1.6 | 4.0 | 3.8 |
As at 31.12.25 | |||||
Barclays UK | |||||
UK cards1 | 17,169 | 0.8 | 0.2 | 1.0 | 0.8 |
UK personal loans1 | 8,515 | 1.1 | 0.5 | 0.7 | 0.6 |
Barclays Partner Finance | 1,210 | 0.7 | 0.3 | 1.2 | 1.2 |
Barclays US Consumer Bank | |||||
US cards2 | 29,100 | 3.0 | 1.6 | 3.4 | 3.2 |
Retail Credit Cards and Retail Other held for sale | Gross exposure | 30 day arrears rate, excluding recovery book | 90 day arrears rate, excluding recovery book | Annualised gross write- off rate | Annualised net write-off rate |
As at 31.12.25 | £m | % | % | % | % |
Barclays US Consumer Bank | 5,988 | 1.8 | 0.9 | 2.1 | 1.9 |
Barclays PLC | 51 | ![]() |
Credit Risk |
Loans and advances by product | |||||||||||||||
Stage 1 | Stage 2 | Stage 3 | Total | ||||||||||||
Gross | ECL | Coverage | Gross | ECL | Coverage | Gross | ECL | Coverage | Gross | ECL | Coverage | ||||
As at 31.12.25 | £m | £m | % | £m | £m | % | £m | £m | % | £m | £m | % | |||
Retail credit cards - US | 5,468 | 65 | 1.2 | 466 | 124 | 26.6 | 54 | 44 | 81.5 | 5,988 | 233 | 3.9 | |||
Corporate loans - US | 43 | 1 | 2.3 | 6 | 2 | 33.3 | — | — | — | 49 | 3 | 6.1 | |||
Total Rest of the World | 5,511 | 66 | 1.2 | 472 | 126 | 26.7 | 54 | 44 | 81.5 | 6,037 | 236 | 3.9 | |||
Management adjustments to models for impairment allowance presented by product | ||||||
Impairment allowance pre management adjustments | Economic uncertainty adjustments1 | Other adjustments | Management adjustments | Total impairment allowance | Proportion of Management adjustments to total impairment allowance | |
As at 31.12.25 | £m | £m | £m | £m | £m | % |
Retail credit cards - US | 232 | 5 | — | 5 | 237 | 2.1 |
Corporate loans - US | 3 | — | — | — | 3 | — |
Total Rest of the World | 235 | 5 | — | 5 | 240 | 2.1 |
Barclays PLC | 52 | ![]() |
Market Risk |
Half year ended 30.06.26 | Half year ended 31.12.25 | Half year ended 30.06.25 | |||||||||
Average | High | Low | Average | High | Low | Average | High | Low | |||
£m | £m | £m | £m | £m | £m | £m | £m | £m | |||
Credit risk | |||||||||||
Interest rate risk | |||||||||||
Equity risk | |||||||||||
Basis risk | |||||||||||
Spread risk | |||||||||||
Foreign exchange risk | |||||||||||
Commodity risk | |||||||||||
Inflation risk | |||||||||||
Diversification effect1 | ( | n/a | n/a | ( | n/a | n/a | ( | n/a | n/a | ||
Total management VaR | |||||||||||
Barclays PLC | 53 | ![]() |
Treasury and Capital Risk |
Liquidity coverage ratio1 | As at 30.06.26 | As at 31.12.25 |
£bn | £bn | |
LCR Eligible High Quality Liquid Assets (HQLA) | 321.2 | 321.4 |
Net stress outflows | (204.0) | (190.2) |
Surplus | 117.2 | 131.2 |
Liquidity coverage ratio | 157.7% | 170.0% |
Net Stable Funding Ratio2 | As at 30.06.26 | As at 31.12.25 |
£bn | £bn | |
Total Available Stable Funding | 650.9 | 639.4 |
Total Required Stable Funding | 479.2 | 473.1 |
Surplus | 171.7 | 166.3 |
Net Stable Funding Ratio | 135.8% | 135.2% |
Barclays PLC | 54 | ![]() |
Treasury and Capital Risk |
Composition of the Group liquidity pool | ||||||||
LCR eligible1 High Quality Liquid Assets (HQLA) | Liquidity pool | |||||||
Cash | Level 1 | Level 2A | Level 2B | Total | 2026 | 2025 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | ||
Cash and deposits with central banks2 | 237 | — | — | — | 237 | 255 | 237 | |
Government bonds3 | ||||||||
AAA to AA- | — | 56 | 2 | — | 58 | 54 | 62 | |
A+ to A- | — | 14 | — | — | 14 | 14 | 14 | |
BBB+ to BBB- | — | — | — | — | — | — | 2 | |
Total government bonds | — | 70 | 2 | — | 72 | 68 | 78 | |
Other | ||||||||
Government Guaranteed Issuers, PSEs and GSEs | — | 4 | — | — | 4 | 8 | 7 | |
International Organisations and MDBs | — | 8 | — | — | 8 | 7 | 7 | |
Covered bonds | — | 5 | 4 | — | 9 | 8 | 8 | |
Other | — | — | — | 4 | 4 | 1 | 1 | |
Total other | — | 17 | 4 | 4 | 25 | 24 | 23 | |
Total as at 30 June 2026 | 237 | 87 | 6 | 4 | 334 | 347 | ||
Total as at 31 December 2025 | 219 | 85 | 11 | 5 | 320 | 338 | ||
Barclays PLC | 55 | ![]() |
Treasury and Capital Risk |
As at 30.06.26 | As at 31.12.25 | ||||
Loans and advances, debt securities at amortised cost | Deposits at amortised cost2 | Loan: deposit ratio1 | Loan: deposit ratio1 | ||
Funding of loans and advances | £bn | £bn | % | % | |
Barclays UK | 238 | 246 | 97 | 94 | |
Barclays UK Corporate Bank | 31 | 89 | 35 | 34 | |
Barclays Private Bank and Wealth Management | 15 | 73 | 21 | 21 | |
Barclays Investment Bank | 136 | 162 | 84 | 83 | |
Barclays US consumer Bank | 22 | 25 | 88 | 92 | |
Head Office | 3 | — | |||
Barclays Group | 445 | 594 | 75 | 73 | |
As at 30.06.26 | As at 31.12.25 | As at 30.06.26 | As at 31.12.25 | |||
Assets | £bn | £bn | Liabilities and equity | £bn | £bn | |
Loans and advances at amortised cost1 | 418 | 400 | Deposits at amortised cost | 594 | 586 | |
Group liquidity pool | 347 | 338 | <1 Year wholesale funding | 89 | 84 | |
>1 Year wholesale funding | 147 | 136 | ||||
Reverse repurchase agreements, trading portfolio assets, cash collateral and settlement balances | 567 | 471 | Repurchase agreements, trading portfolio liabilities, cash collateral and settlement balances | 458 | 359 | |
Derivative financial instruments | 304 | 252 | Derivative financial instruments | 292 | 241 | |
Other assets2 | 94 | 83 | Other liabilities | 70 | 60 | |
Equity | 80 | 78 | ||||
Total assets | 1,730 | 1,544 | Total liabilities and equity | 1,730 | 1,544 |
Barclays PLC | 56 | ![]() |
Treasury and Capital Risk |
Maturity profile of wholesale funding3,4 | |||||||||||
<1 month | 1-3 months | 3-6 months | 6-12 months | <1 year | 1-2 years | 2-3 years | 3-4 years | 4-5 years | >5 years | Total | |
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |
Barclays PLC (the Parent company) | |||||||||||
Senior unsecured (Public benchmark) | — | — | — | 1.2 | 1.2 | 6.9 | 6.8 | 9.3 | 5.9 | 29.1 | 59.2 |
Senior unsecured (Privately placed) | — | — | — | — | — | — | — | 0.2 | 0.1 | 0.8 | 1.1 |
Subordinated liabilities | — | — | — | — | — | 1.5 | — | 1.1 | — | 6.8 | 9.4 |
Barclays Bank Group | |||||||||||
Senior unsecured (Public benchmark) | — | — | — | — | — | 1.5 | 1.1 | — | — | — | 2.6 |
Senior unsecured (Privately placed)5 | 2.8 | 4.6 | 7.7 | 14.9 | 30.0 | 14.6 | 14.1 | 8.6 | 8.2 | 23.7 | 99.2 |
Certificates of deposit and commercial paper | 2.0 | 8.5 | 19.4 | 13.1 | 43.0 | — | — | — | — | — | 43.0 |
Asset backed commercial paper | 4.2 | 4.5 | 0.5 | — | 9.2 | — | — | — | — | — | 9.2 |
Asset backed securities | — | 0.1 | — | 0.8 | 0.9 | 0.3 | 1.1 | — | 0.1 | 2.1 | 4.5 |
Subordinated liabilities | — | 0.4 | — | 0.1 | 0.5 | 0.2 | — | — | — | 0.3 | 1.0 |
Barclays Bank UK Group | |||||||||||
Senior unsecured (Privately placed) | — | — | — | — | — | — | — | — | 0.1 | 0.1 | 0.2 |
Certificates of deposit and commercial paper | 3.6 | — | — | — | 3.6 | — | — | — | — | — | 3.6 |
Covered bonds | — | — | — | — | — | 0.5 | 0.7 | 0.7 | — | 0.1 | 2.0 |
Asset backed securities | — | — | 0.3 | — | 0.3 | — | — | — | — | — | 0.3 |
Subordinated liabilities | — | — | — | — | — | — | — | — | — | 0.7 | 0.7 |
Total as at 30 June 2026 | 12.6 | 18.1 | 27.9 | 30.1 | 88.7 | 25.5 | 23.8 | 19.9 | 14.4 | 63.7 | 236.0 |
Of which secured | 4.2 | 4.6 | 0.8 | 0.8 | 10.4 | 0.8 | 1.8 | 0.7 | 0.1 | 2.9 | 16.7 |
Of which unsecured | 8.4 | 13.5 | 27.1 | 29.3 | 78.3 | 24.7 | 22.0 | 19.2 | 14.3 | 60.8 | 219.3 |
Total as at 31 December 2025 | 10.4 | 17.0 | 31.5 | 25.0 | 83.9 | 21.2 | 22.7 | 19.3 | 13.8 | 59.2 | 220.1 |
Of which secured | 2.3 | 8.9 | 1.8 | 0.3 | 13.3 | 0.7 | 1.5 | 0.7 | 0.7 | 3.5 | 20.4 |
Of which unsecured | 8.1 | 8.1 | 29.7 | 24.7 | 70.6 | 20.5 | 21.2 | 18.6 | 13.1 | 55.7 | 199.7 |
Barclays PLC | 57 | ![]() |
Treasury and Capital Risk |
Barclays PLC | 58 | ![]() |
Treasury and Capital Risk |
Capital ratios | As at 30.06.26 | As at 31.03.26 | As at 31.12.25 |
CET1 | 14.3% | 14.1% | 14.3% |
T1 | 18.0% | 17.5% | 17.9% |
Total regulatory capital | 20.3% | 19.7% | 20.4% |
MREL ratio as a percentage of total RWAs | 36.7% | 35.4% | 35.8% |
Own funds and eligible liabilities | £m | £m | £m |
Total equity excluding non-controlling interests per the balance sheet | |||
Less: other equity instruments (recognised as AT1 capital) | ( | ( | ( |
Adjustment to retained earnings for foreseeable ordinary share dividends | ( | ( | ( |
Adjustment to retained earnings for foreseeable repurchase of shares | ( | ( | |
Adjustment to retained earnings for foreseeable other equity coupons | ( | ( | ( |
Other regulatory adjustments and deductions | |||
Additional value adjustments (PVA) | ( | ( | ( |
Goodwill and intangible assets | ( | ( | ( |
Deferred tax assets that rely on future profitability excluding temporary differences | ( | ( | ( |
Fair value reserves related to gains or losses on cash flow hedges | |||
Excess of expected losses over impairment | ( | ( | ( |
Gains or losses on liabilities at fair value resulting from own credit | |||
Defined benefit pension fund assets | ( | ( | ( |
Direct and indirect holdings by an institution of own CET1 instruments | ( | ( | ( |
Other regulatory adjustments | ( | ( | ( |
CET1 capital | |||
AT1 capital | |||
Capital instruments and related share premium accounts | |||
Other regulatory adjustments and deductions | ( | ( | ( |
AT1 capital | |||
T1 capital | |||
T2 capital | |||
Capital instruments and related share premium accounts | |||
Qualifying T2 capital (including minority interests) issued by subsidiaries | |||
Other regulatory adjustments and deductions | ( | ( | ( |
Total regulatory capital | |||
Less : Ineligible T2 capital (including minority interests) issued by subsidiaries | ( | ( | ( |
Eligible liabilities | |||
Total own funds and eligible liabilities1 | |||
Total RWAs |
Barclays PLC | 59 | ![]() |
Treasury and Capital Risk |
Movement in CET1 capital | Three months ended 30.06.26 | Six months ended 30.06.26 |
£m | £m | |
Opening CET1 capital | 51,219 | 51,070 |
Profit for the period attributable to equity holders | 2,503 | 4,678 |
Own credit relating to derivative liabilities | 26 | 8 |
Ordinary share dividends paid and foreseen | (500) | (1,000) |
Purchased and foreseeable share repurchase | (500) | (1,500) |
Other equity coupons paid and foreseen | (236) | (489) |
Increase in retained regulatory capital generated from earnings | 1,293 | 1,697 |
Net impact of share schemes | 274 | (109) |
Fair value through other comprehensive income reserve | 140 | 101 |
Currency translation reserve | (134) | 219 |
Other reserves | (3) | (8) |
Increase in other qualifying reserves | 277 | 203 |
Pension remeasurements within reserves | 41 | (24) |
Defined benefit pension fund asset deduction | (55) | (9) |
Net impact of pensions | (14) | (33) |
Additional value adjustments (PVA) | 16 | (131) |
Goodwill and intangible assets | (519) | (590) |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences | 66 | 177 |
Excess of expected loss over impairment | (59) | (69) |
Direct and indirect holdings by an institution of own CET1 instruments | 1 | 8 |
Other regulatory adjustments | (37) | (89) |
Decrease in regulatory capital due to adjustments and deductions | (532) | (694) |
Closing CET1 capital | 52,243 | 52,243 |
Barclays PLC | 60 | ![]() |
Treasury and Capital Risk |
RWAs by risk type and business | |||||||||||||
Credit risk | Counterparty credit risk | Market Risk | Operational risk | Total RWAs | |||||||||
STD | IRB | STD | IRB | Settlement Risk | CVA | STD | IMA | ||||||
As at 30.06.26 | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |||
Barclays UK | 16,987 | 57,919 | 118 | 9 | — | 33 | 135 | — | 13,804 | 89,005 | |||
Barclays UK Corporate Bank | 3,866 | 18,522 | 97 | 260 | — | 3 | 16 | 274 | 3,530 | 26,568 | |||
Barclays Private Bank & Wealth Management | 5,002 | 570 | 128 | 25 | — | 11 | 37 | 185 | 2,062 | 8,020 | |||
Barclays Investment Bank | 44,721 | 51,050 | 25,723 | 22,591 | 336 | 2,566 | 12,110 | 19,772 | 25,275 | 204,144 | |||
Barclays US Consumer Bank | 17,894 | 1,016 | — | — | — | — | — | — | 5,394 | 24,304 | |||
Head Office | 5,538 | 5,883 | 1 | 4 | — | — | 175 | 32 | 1,090 | 12,723 | |||
Barclays Group | 94,008 | 134,960 | 26,067 | 22,889 | 336 | 2,613 | 12,473 | 20,263 | 51,155 | 364,764 | |||
As at 31.03.26 | |||||||||||||
Barclays UK | 16,737 | 56,662 | 117 | 9 | — | 37 | 118 | — | 13,804 | 87,484 | |||
Barclays UK Corporate Bank | 4,097 | 18,921 | 87 | 267 | — | 3 | 19 | 330 | 3,530 | 27,254 | |||
Barclays Private Bank & Wealth Management | 5,020 | 678 | 124 | 30 | 1 | 11 | 32 | 225 | 2,062 | 8,183 | |||
Barclays Investment Bank | 42,919 | 51,782 | 24,119 | 21,504 | 243 | 2,522 | 11,978 | 21,380 | 25,275 | 201,722 | |||
Barclays US Consumer Bank | 21,158 | 1,017 | — | — | — | — | — | — | 5,394 | 27,569 | |||
Head Office | 5,441 | 5,482 | — | — | — | — | 237 | — | 1,090 | 12,250 | |||
Barclays Group | 95,372 | 134,542 | 24,447 | 21,810 | 244 | 2,573 | 12,384 | 21,935 | 51,155 | 364,462 |
As at 31.12.25 | |||||||||||||
Barclays UK | 16,731 | 55,037 | 132 | 8 | — | 43 | 177 | — | 13,697 | 85,825 | |||
Barclays UK Corporate Bank | 3,878 | 18,341 | 89 | 312 | 1 | 4 | 31 | 343 | 3,510 | 26,509 | |||
Barclays Private Bank & Wealth Management | 4,981 | 580 | 112 | 19 | — | 11 | 39 | 240 | 2,054 | 8,036 | |||
Barclays Investment Bank | 44,961 | 49,750 | 21,986 | 19,442 | 165 | 3,030 | 12,018 | 20,111 | 25,238 | 196,701 | |||
Barclays US Consumer Bank | 21,050 | 1,004 | — | 1 | — | — | — | — | 5,393 | 27,448 | |||
Head Office | 5,405 | 5,439 | 1 | 5 | — | — | 219 | 59 | 1,127 | 12,255 | |||
Barclays Group | 97,006 | 130,151 | 22,320 | 19,787 | 166 | 3,088 | 12,484 | 20,753 | 51,019 | 356,774 |
Movement analysis of RWAs | Credit risk | Counterparty credit risk | Market risk | Operational risk | Total RWAs |
£m | £m | £m | £m | £m | |
RWAs as at 31.12.25 | 227,157 | 45,361 | 33,237 | 51,019 | 356,774 |
Book size | 3,849 | 5,944 | (680) | 136 | 9,249 |
Acquisitions and disposals | (3,192) | — | — | — | (3,192) |
Book quality | 462 | 271 | — | — | 733 |
Model updates | — | — | — | — | — |
Methodology and policy | (174) | 29 | — | — | (145) |
Foreign exchange movements1 | 866 | 300 | 179 | — | 1,345 |
Total RWA movements | 1,811 | 6,544 | (501) | 136 | 7,990 |
RWAs as at 30.06.26 | 228,968 | 51,905 | 32,736 | 51,155 | 364,764 |
Barclays PLC | 61 | ![]() |
Treasury and Capital Risk |
Leverage ratios | As at 30.06.26 | As at 31.03.26 | As at 31.12.25 |
£m | £m | £m | |
UK leverage ratio1 | 4.9% | 4.8% | 5.1% |
T1 capital | 65,519 | 63,933 | 63,795 |
UK leverage exposure | 1,345,596 | 1,321,321 | 1,247,313 |
Average UK leverage ratio | 4.6% | 4.6% | 4.7% |
Average T1 capital | 63,787 | 63,239 | 63,277 |
Average UK leverage exposure | 1,393,843 | 1,373,842 | 1,358,364 |
Barclays PLC | 62 | ![]() |
Condensed Consolidated Financial Statements |
Condensed consolidated income statement (unaudited) | |||
Half year ended 30.06.26 | Half year ended 30.06.25 | ||
Notes1 | £m | £m | |
Interest and similar income | |||
Interest and similar expense | ( | ( | |
Net interest income | |||
Fee and commission income | 3 | ||
Fee and commission expense | 3 | ( | ( |
Net fee and commission income | 3 | ||
Net trading income | |||
Net investment income/(expense) | ( | ||
Other income2 | |||
Total income | |||
Staff costs | 4 | ( | ( |
Infrastructure, administration and general expenses | 5 | ( | ( |
UK regulatory levies | ( | ( | |
Litigation and conduct | ( | ( | |
Operating expenses | ( | ( | |
Share of post-tax results of associates and joint ventures | |||
Profit before impairment | |||
Credit impairment charges | ( | ( | |
Profit before tax | |||
Tax charge | ( | ( | |
Profit after tax | |||
Attributable to: | |||
Shareholders of the parent | |||
Other equity holders | |||
Equity holders of the parent | |||
Non-controlling interests | |||
Profit after tax | |||
Earnings per share | |||
Basic earnings per ordinary share | 6 | ||
Diluted earnings per ordinary share | 6 | ||
Barclays PLC | 63 | ![]() |
Condensed Consolidated Financial Statements |
Condensed consolidated statement of comprehensive income (unaudited) | |||
Half year ended 30.06.26 | Half year ended 30.06.25 | ||
Notes1 | £m | £m | |
Profit after tax | |||
Other comprehensive (loss)/income that may be recycled to profit or loss: | |||
Currency translation reserve | |||
Currency translation differences | ( | ||
Tax | ( | ||
Fair value through other comprehensive income reserve | |||
Net (losses)/gains from changes in fair value | ( | ||
Net losses transferred to net profit on disposal | |||
Net release of impairment | ( | ||
Net gains/(losses) due to fair value hedging | ( | ||
Tax | ( | ( | |
Cash flow hedging reserve | |||
Net (losses)/gains from changes in fair value | ( | ||
Net losses/(gains) transferred to net profit | ( | ||
Tax | ( | ||
Other comprehensive (loss)/income that may be recycled to profit or loss | ( | ||
Other comprehensive income/(loss) not recycled to profit or loss: | |||
Retirement benefit remeasurements | 13 | ( | ( |
Fair value through other comprehensive income reserve | ( | ||
Own credit | |||
Tax | ( | ( | |
Other comprehensive income not recycled to profit or loss | |||
Other comprehensive (loss)/income for the period | ( | ||
Total comprehensive income for the period | |||
Attributable to: | |||
Equity holders of the parent | |||
Non-controlling interests | |||
Total comprehensive income for the period | |||
Barclays PLC | 64 | ![]() |
Condensed Consolidated Financial Statements |
Condensed consolidated balance sheet (unaudited) | |||
As at 30.06.26 | As at 31.12.25 | ||
Assets | Notes1 | £m | £m |
Cash and balances at central banks | |||
Cash collateral and settlement balances | |||
Debt securities at amortised cost | |||
Loans and advances at amortised cost to banks | |||
Loans and advances at amortised cost to customers | |||
Reverse repurchase agreements and other similar secured lending at amortised cost | |||
Trading portfolio assets | |||
Financial assets at fair value through the income statement | |||
Derivative financial instruments | 8 | ||
Financial assets at fair value through other comprehensive income | |||
Investments in associates and joint ventures | |||
Goodwill and intangible assets | 10 | ||
Property, plant and equipment | |||
Current tax assets | |||
Deferred tax assets | |||
Retirement benefit assets | 13 | ||
Assets included in a disposal group classified as held for sale | 18 | ||
Other assets | |||
Total assets | |||
Liabilities | |||
Deposits at amortised cost from banks | |||
Deposits at amortised cost from customers | |||
Cash collateral and settlement balances | |||
Repurchase agreements and other similar secured borrowings at amortised cost | |||
Debt securities in issue | |||
Subordinated liabilities | 11 | ||
Trading portfolio liabilities | |||
Financial liabilities designated at fair value | |||
Derivative financial instruments | 8 | ||
Current tax liabilities | |||
Deferred tax liabilities | |||
Retirement benefit liabilities | 13 | ||
Provisions | 12 | ||
Other liabilities | |||
Total liabilities | |||
Equity | |||
Called up share capital and share premium | |||
Other equity instruments | |||
Other reserves | 14 | ||
Retained earnings | |||
Total equity excluding non-controlling interests | |||
Non-controlling interests | |||
Total equity | |||
Total liabilities and equity | |||
Barclays PLC | 65 | ![]() |
Condensed Consolidated Financial Statements |
Condensed consolidated statement of changes in equity (unaudited) | |||||||
Called up share capital and share premium1,2 | Other equity instruments3 | Other reserves4 | Retained earnings | Total | Non- controlling interests | Total equity | |
Half year ended 30.06.2026 | £m | £m | £m | £m | £m | £m | £m |
Balance as at 1 January 2026 | |||||||
Profit after tax | — | — | |||||
Currency translation movements | — | — | — | — | |||
Fair value through other comprehensive income reserve | — | — | — | — | |||
Cash flow hedges | — | — | ( | — | ( | — | ( |
Retirement benefit remeasurements | — | — | — | ( | ( | — | ( |
Own credit | — | — | — | — | |||
Total comprehensive income for the period | — | ( | |||||
Employee share schemes and hedging thereof | — | — | — | ||||
Issue and redemption of other equity instruments | — | — | — | — | |||
Other equity instruments coupon paid | — | ( | — | — | ( | — | ( |
Redemption of preference shares | — | — | — | — | — | — | |
Vesting of employee share schemes net of purchases | — | — | ( | ( | ( | — | ( |
Dividends paid | — | — | — | ( | ( | ( | ( |
Repurchase of shares | ( | — | ( | ( | — | ( | |
Other movements | — | ||||||
Balance as at 30 June 2026 | |||||||
Condensed consolidated statement of changes in equity (unaudited) | |||||||
Called up share capital and share premium1, 2 | Other equity instruments3 | Other reserves4 | Retained earnings | Total | Non- controlling interests | Total equity | |
Half year ended 31.12.2025 | £m | £m | £m | £m | £m | £m | £m |
Balance as at 1 July 2025 | |||||||
Profit after tax | — | — | |||||
Currency translation movements | — | — | — | — | |||
Fair value through other comprehensive income reserve | — | — | — | — | |||
Cash flow hedges | — | — | — | — | |||
Retirement benefit remeasurements | — | — | — | — | |||
Own credit | — | — | ( | — | ( | — | ( |
Total comprehensive income for the period | — | ||||||
Employee share schemes and hedging thereof | — | — | — | ||||
Issue and redemption of other equity instruments | — | ( | — | ( | — | ( | |
Other equity instruments coupon paid | — | ( | — | — | ( | — | ( |
Vesting of employee shares scheme net of purchases | — | — | ( | ( | — | ( | |
Dividends paid | — | — | — | ( | ( | ( | ( |
Repurchase of shares | ( | — | ( | ( | — | ( | |
Other movements | — | ( | |||||
Balance as at 31 December 2025 | |||||||
Barclays PLC | 66 | ![]() |
Condensed Consolidated Financial Statements |
Condensed consolidated statement of changes in equity (unaudited) | |||||||
Called up share capital and share premium1,2 | Other equity instruments3 | Other reserves4 | Retained earnings | Total | Non- controlling interests | Total equity | |
Half year ended 30.06.25 | £m | £m | £m | £m | £m | £m | £m |
Balance as at 1 January 2025 | ( | ||||||
Profit after tax | — | — | |||||
Currency translation movements | — | — | ( | — | ( | — | ( |
Fair value through other comprehensive income reserve | — | — | — | — | |||
Cash flow hedges | — | — | — | — | |||
Retirement benefit remeasurements | — | — | — | ( | ( | — | ( |
Own credit | — | — | — | — | |||
Total comprehensive income for the period | — | ||||||
Employee share schemes and hedging thereof | — | — | — | ||||
Issue and redemption of other equity instruments | — | — | ( | — | |||
Other equity instruments coupon paid | — | ( | — | — | ( | — | ( |
Redemption of preference shares | — | — | — | ( | ( | ( | ( |
Vesting of employee share schemes net of purchases | — | — | ( | ( | — | ( | |
Dividends paid | — | — | — | ( | ( | ( | ( |
Repurchase of shares | ( | — | ( | ( | — | ( | |
Other movements | — | — | — | ||||
Balance as at 30 June 2025 | |||||||
Barclays PLC | 67 | ![]() |
Condensed Consolidated Financial Statements |
Condensed consolidated cash flow statement (unaudited) | ||
Half year ended 30.06.26 | Half year ended 30.06.25 | |
£m | £m | |
Profit before tax | ||
Adjustment for non-cash and other items | ||
Net increase in loans and advances at amortised cost | ( | ( |
Net increase in deposits at amortised cost | ||
Net increase in debt securities in issue | ||
Changes in other operating assets and liabilities | ( | |
Corporate income tax paid | ( | ( |
Net cash from operating activities | ||
Net cash from investing activities | ( | ( |
Net cash from financing activities1 | ( | |
Effect of exchange rates on cash and cash equivalents | ( | |
Net increase in cash and cash equivalents | ||
Cash and cash equivalents at beginning of the period | ||
Cash and cash equivalents at end of the period | ||
Barclays PLC | 68 | ![]() |
Financial Statement Notes |
Barclays PLC | 69 | ![]() |
Financial Statement Notes |
Analysis of results by business | |||||||
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Half year ended 30.06.26 | £m | £m | £m | £m | £m | £m | £m |
Net interest income | |||||||
Non-interest income | ( | ||||||
Total income | |||||||
Of which inter-segmental income/ (expense) | ( | ( | ( | — | |||
Operating costs | ( | ( | ( | ( | ( | ( | ( |
UK regulatory levies | ( | ( | ( | ( | ( | ||
Litigation and conduct | ( | ( | ( | ||||
Total operating expenses | ( | ( | ( | ( | ( | ( | ( |
Other net income1 | |||||||
Profit/(loss) before impairment | ( | ||||||
Credit impairment (charges)/ releases | ( | ( | ( | ( | ( | ( | |
Profit/(loss) before tax | ( | ||||||
As at 30.06.26 | £bn | £bn | £bn | £bn | £bn | £bn | £bn |
Total assets | |||||||
Total liabilities | |||||||
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Half year ended 30.06.25 | £m | £m | £m | £m | £m | £m | £m |
Net interest income | |||||||
Non-interest income | ( | ||||||
Total income | |||||||
Of which inter-segmental income/ (expense) | ( | ( | ( | — | |||
Operating costs | ( | ( | ( | ( | ( | ( | ( |
UK regulatory levies | ( | ( | ( | ( | ( | ||
Litigation and conduct | ( | ( | ( | ( | ( | ( | |
Total operating expenses | ( | ( | ( | ( | ( | ( | ( |
Other net income | |||||||
Profit/(loss) before impairment | ( | ||||||
Credit impairment (charges)/releases | ( | ( | ( | ( | ( | ( | |
Profit/(loss) before tax | ( | ||||||
As at 31.12.25 | £bn | £bn | £bn | £bn | £bn | £bn | £bn |
Total assets | |||||||
Total liabilities |
Barclays PLC | 70 | ![]() |
Financial Statement Notes |
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Half year ended 30.06.26 | £m | £m | £m | £m | £m | £m | £m |
Fee type | |||||||
Transactional | |||||||
Advisory | |||||||
Brokerage and execution | |||||||
Underwriting and syndication | |||||||
Other | |||||||
Total revenue from contracts with customers | |||||||
Other non-contract fee income | |||||||
Fee and commission income | |||||||
Fee and commission expense | ( | ( | ( | ( | ( | ( | ( |
Net fee and commission income |
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Half year ended 30.06.25 | £m | £m | £m | £m | £m | £m | £m |
Fee type | |||||||
Transactional | |||||||
Advisory | |||||||
Brokerage and execution | |||||||
Underwriting and syndication | |||||||
Other | |||||||
Total revenue from contracts with customers | |||||||
Other non-contract fee income | |||||||
Fee and commission income | |||||||
Fee and commission expense | ( | ( | ( | ( | ( | ( | ( |
Net fee and commission income |
Barclays PLC | 71 | ![]() |
Financial Statement Notes |
Half year ended 30.06.26 | Half year ended 30.06.25 | |
Compensation costs | £m | £m |
Upfront bonus charge | ||
Deferred bonus charge | ||
Other incentives | ||
Performance costs | ||
Salaries | ||
Social security costs | ||
Post-retirement benefits | ||
Other compensation costs | ||
Total compensation costs | ||
Other resourcing costs | ||
Outsourcing | ||
Redundancy and restructuring | ||
Temporary staff costs | ||
Other | ||
Total other resourcing costs | ||
Total staff costs | ||
Barclays Group compensation costs as a % of total income |
Half year ended 30.06.26 | Half year ended 30.06.25 | |
Infrastructure costs | £m | £m |
Property and equipment | ||
Depreciation and amortisation | ||
Impairment of property, equipment and intangible assets | ||
Total infrastructure costs | ||
Administration and general expenses | ||
Consultancy, legal and professional fees | ||
Marketing and advertising | ||
Other administration and general expenses | ||
Total administration and general expenses | ||
Total infrastructure, administration and general expenses |
Barclays PLC | 72 | ![]() |
Financial Statement Notes |
Half year ended 30.06.26 | Half year ended 30.06.25 | |
£m | £m | |
Profit attributable to ordinary equity holders of the parent | ||
m | m | |
Basic weighted average number of shares in issue | ||
Number of potential ordinary shares | ||
Diluted weighted average number of shares | ||
p | p | |
Basic earnings per ordinary share | ||
Diluted earnings per ordinary share |
Half year ended 30.06.26 | Half year ended 30.06.25 | |||
Per share | Total | Per share | Total | |
Dividends paid during the period | p | £m | p | £m |
Full year dividend paid during period | ||||
Barclays PLC | 73 | ![]() |
Financial Statement Notes |
Contract notional amount | Fair value | |||
Assets | Liabilities | |||
As at 30.06.26 | £m | £m | £m | |
Foreign exchange derivatives | ( | |||
Interest rate derivatives | ( | |||
Credit derivatives | ( | |||
Equity and stock index and commodity derivatives | ( | |||
Derivative assets/(liabilities) held for trading | ( | |||
Derivatives in hedge accounting relationships | ||||
Derivatives designated as cash flow hedges | ( | |||
Derivatives designated as fair value hedges | ( | |||
Derivatives designated as hedges of net investments | ( | |||
Derivative assets/(liabilities) designated in hedge accounting relationships | ( | |||
Total recognised derivative assets/(liabilities) | ( | |||
As at 31.12.25 | ||||
Foreign exchange derivatives | ( | |||
Interest rate derivatives | ( | |||
Credit derivatives | ( | |||
Equity and stock index and commodity derivatives | ( | |||
Derivative assets/(liabilities) held for trading | ( | |||
Derivatives in hedge accounting relationships | ||||
Derivatives designated as cash flow hedges | ( | |||
Derivatives designated as fair value hedges | ( | |||
Derivatives designated as hedges of net investments | ( | |||
Derivative assets/(liabilities) designated in hedge accounting relationships | ( | |||
Total recognised derivative assets/(liabilities) | ( | |||
Barclays PLC | 74 | ![]() |
Financial Statement Notes |
Assets and liabilities held at fair value | ||||
Valuation techniques used | ||||
Quoted market prices | Observable inputs | Significant unobservable inputs | ||
Level 1 | Level 2 | Level 3 | Total | |
As at 30.06.26 | £m | £m | £m | £m |
Trading portfolio assets | ||||
Financial assets at fair value through the income statement | ||||
Derivative financial instruments | ||||
Financial assets at fair value through other comprehensive income | ||||
Investment property | ||||
Total assets | ||||
Trading portfolio liabilities | ( | ( | ( | ( |
Financial liabilities designated at fair value | ( | ( | ( | ( |
Derivative financial instruments | ( | ( | ( | ( |
Total liabilities | ( | ( | ( | ( |
As at 31.12.25 | ||||
Trading portfolio assets | ||||
Financial assets at fair value through the income statement | ||||
Derivative financial instruments | ||||
Financial assets at fair value through other comprehensive income | ||||
Investment property | ||||
Total assets | ||||
Trading portfolio liabilities | ( | ( | ( | ( |
Financial liabilities designated at fair value | ( | ( | ( | ( |
Derivative financial instruments | ( | ( | ( | ( |
Total liabilities | ( | ( | ( | ( |
Barclays PLC | 75 | ![]() |
Financial Statement Notes |
As at 30.06.26 | Loans | Corporate debt | Asset backed securities | Government and Government sponsored debt | Private equity investments | Issued debt | Reverse repurchase and repurchase agreements | Interest rate derivatives | Equity derivatives | Other products 1 | Total |
£m | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |
Trading portfolio assets | — | — | — | — | — | ||||||
Financial assets at fair value through the income statement | — | — | — | — | |||||||
Derivative financial instruments | — | — | — | — | — | — | — | ||||
Financial assets at fair value through other comprehensive income | — | — | — | — | — | ||||||
Investment property | — | — | — | — | — | — | — | — | — | ||
Total assets | — | — | |||||||||
Trading portfolio liabilities | — | ( | — | ( | — | — | — | — | — | ( | ( |
Financial liabilities designated at fair value | — | — | — | — | ( | ( | — | — | — | ( | ( |
Derivative financial instruments | — | — | — | — | — | — | — | ( | ( | ( | ( |
Total liabilities | — | ( | — | ( | ( | ( | — | ( | ( | ( | ( |
Barclays PLC | 76 | ![]() |
Financial Statement Notes |
As at 31.12.25 | Loans | Corporate debt | Asset backed securities | Government and Government sponsored debt | Private equity investments | Issued debt | Reverse repurchase and repurchase agreements | Interest rate derivatives | Equity derivatives | Other products1 | Total |
£m | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |
Trading portfolio assets | — | — | — | — | — | ||||||
Financial assets at fair value through the income statement | — | — | — | ||||||||
Derivative financial instruments | — | — | — | — | — | — | — | ||||
Financial assets at fair value through other comprehensive income | — | — | — | — | — | ||||||
Investment property | — | — | — | — | — | — | — | — | — | ||
Total assets | — | ||||||||||
Trading portfolio liabilities | — | ( | — | ( | — | — | — | — | — | ( | ( |
Financial liabilities designated at fair value | — | — | — | — | ( | ( | ( | — | — | ( | ( |
Derivative financial instruments | — | — | — | — | — | — | — | ( | ( | ( | ( |
Total liabilities | — | ( | — | ( | ( | ( | ( | ( | ( | ( | ( |
Barclays PLC | 77 | ![]() |
Financial Statement Notes |
Analysis of movements in Level 3 assets and liabilities | |||||||||||
As at 01.01.26 | Total gains and (losses) in the period recognised in the income statement | Total gains and (losses) in the period recognised in OCI | Transfers | As at 30.06.26 | |||||||
Purchases | Sales | Issues | Settlements | Trading income2 | Other income | In | Out | ||||
£m | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |
Trading portfolio assets | ( | ( | ( | ||||||||
Financial assets at fair value through the income statement | ( | ( | ( | ( | |||||||
Financial assets at fair value through other comprehensive income | ( | ( | ( | ||||||||
Investment property | ( | ||||||||||
Trading portfolio liabilities | ( | ( | ( | ( | |||||||
Financial liabilities designated at fair value | ( | ( | ( | ( | |||||||
Net derivative financial instruments1 | ( | ( | ( | ( | |||||||
Total | ( | ( | ( | ( | |||||||
As at 01.01.25 | Total gains and (losses) in the period recognised in the income statement | Total gains and (losses) in the period recognised in OCI | Transfers | As at 30.06.25 | |||||||
Purchases | Sales | Issues | Settlements | Trading income2 | Other income | In | Out | ||||
£m | £m | £m | £m | £m | £m | £m | £m | £m | £m | £m | |
Trading portfolio assets | ( | ( | ( | ||||||||
Financial assets at fair value through the income statement | ( | ( | ( | ( | |||||||
Financial assets at fair value through other comprehensive income | ( | ( | ( | ||||||||
Investment property | |||||||||||
Trading portfolio liabilities | ( | ( | ( | ( | |||||||
Financial liabilities designated at fair value | ( | ( | ( | ( | |||||||
Net derivative financial instruments1 | ( | ( | ( | ( | ( | ||||||
Total | ( | ( | ( | ||||||||
Barclays PLC | 78 | ![]() |
Financial Statement Notes |
Half year ended 30.06.26 | Half year ended 30.06.25 | |||||||
Income statement | Other comprehensive income | Total | Income statement | Other comprehensive income | Total | |||
Trading income1 | Other income | Trading income1 | Other income | |||||
£m | £m | £m | £m | £m | £m | £m | £m | |
Trading portfolio assets | ||||||||
Financial assets at fair value through the income statement | ( | ( | ( | ( | ||||
Financial assets at fair value through other comprehensive income | ||||||||
Investment property | ||||||||
Trading portfolio liabilities | ||||||||
Financial liabilities designated at fair value | ||||||||
Net derivative financial instruments | ||||||||
Total | ||||||||
Sensitivity analysis of valuations using unobservable inputs (Relates to Level 3 Portfolios) | ||||||||
As at 30.06.26 | As at 31.12.25 | |||||||
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 | |
Loans | ( | ( | ( | ( | ||||
Corporate debt | ( | ( | ||||||
Asset backed securities | ( | ( | ( | ( | ||||
Government and Government sponsored debt | ( | ( | ||||||
Private equity investments | ( | ( | ( | |||||
Interest rate derivatives | ( | ( | ||||||
Equity derivatives | ( | ( | ||||||
Other products1 | ( | ( | ( | ( | ||||
Total | ( | ( | ( | ( | ||||
Barclays PLC | 79 | ![]() |
Financial Statement Notes |
As at 30.06.26 | As at 31.12.25 | |
£m | £m | |
Exit price adjustments derived from market bid-offer spreads | ( | ( |
Uncollateralised derivative funding | ||
Derivative credit valuation adjustments | ( | ( |
Derivative debit valuation adjustments |
Barclays PLC | 80 | ![]() |
Financial Statement Notes |
As at 30.06.26 | As at 31.12.25 | |||
Carrying amount | Fair value | Carrying amount | Fair value | |
Financial assets | £m | £m | £m | £m |
Debt securities at amortised cost | ||||
Loans and advances at amortised cost | ||||
Reverse repurchase agreements and other similar secured lending | ||||
Assets included in disposal groups classified as held for sale | ||||
Financial liabilities | ||||
Deposits at amortised cost | ( | ( | ( | ( |
Repurchase agreements and other similar secured borrowing | ( | ( | ( | ( |
Debt securities in issue | ( | ( | ( | ( |
Subordinated liabilities | ( | ( | ( | ( |
Half year ended 30.06.26 | Year ended 31.12.25 | |
£m | £m | |
Opening balance as at 1 January | ||
Issuances | ||
Redemptions | ( | ( |
Other | ( | ( |
Closing balance |
Barclays PLC | 81 | ![]() |
Financial Statement Notes |
As at 30.06.26 | As at 31.12.25 | |
£m | £m | |
Customer redress | ||
Legal, competition and regulatory matters | ||
Redundancy and restructuring | ||
Undrawn contractually committed facilities and guarantees | ||
Onerous contracts | ||
Sundry provisions | ||
Total |
Barclays PLC | 82 | ![]() |
Financial Statement Notes |
As at 30.06.26 | As at 31.12.25 | |
£m | £m | |
Currency translation reserve | ||
Fair value through other comprehensive income reserve | ( | ( |
Cash flow hedging reserve | ( | ( |
Own credit reserve | ( | ( |
Other reserves and treasury shares | ||
Total |
As at 30.06.26 | As at 31.12.25 | |
£m | £m | |
Guarantees and letters of credit pledged as collateral security | ||
Performance guarantees, acceptances and endorsements | ||
Documentary credits and other short-term trade related transactions | ||
Standby facilities, credit lines and other commitments | ||
Total 1 |
Barclays PLC | 83 | ![]() |
Financial Statement Notes |
Barclays PLC | 84 | ![]() |
Financial Statement Notes |
Barclays PLC | 85 | ![]() |
Financial Statement Notes |
Barclays PLC | 86 | ![]() |
Financial Statement Notes |
Barclays PLC | 87 | ![]() |
Financial Statement Notes |
As at 30.06.26 | As at 31.12.25 | |
Assets included in disposal groups classified as held for sale | £m | £m |
Loans and advances to customers | ||
Intangible assets | ||
Other assets | ||
Total assets classified as held for sale | ||
Net assets classified as held for sale |
Barclays PLC | 88 | ![]() |
Appendix: Non-IFRS Performance Measures |
Half year ended 30.06.26 | |||||||
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Return on average tangible equity | £m | £m | £m | £m | £m | £m | £m |
Attributable profit/(loss) | 1,214 | 388 | 148 | 2,315 | 429 | (303) | 4,191 |
£bn | £bn | £bn | £bn | £bn | £bn | £bn | |
Average equity | 16.1 | 3.8 | 1.2 | 29.9 | 4.2 | 9.9 | 65.1 |
Average goodwill and intangibles | (4.0) | — | (0.1) | — | (0.7) | (3.6) | (8.5) |
Average tangible equity | 12.1 | 3.8 | 1.1 | 29.9 | 3.5 | 6.3 | 56.7 |
Return on average tangible equity | 20.1% | 20.6% | 26.1% | 15.5% | 24.2% | n/m | 14.8% |
Half year ended 30.06.25 | |||||||
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Return on average tangible equity | £m | £m | £m | £m | £m | £m | £m |
Attributable profit/(loss) | 1,090 | 284 | 184 | 2,075 | 128 | (238) | 3,523 |
£bn | £bn | £bn | £bn | £bn | £bn | £bn | |
Average equity | 15.7 | 3.4 | 1.2 | 29.2 | 4.1 | 8.2 | 61.8 |
Average goodwill and intangibles | (4.0) | — | (0.1) | — | (0.6) | (3.6) | (8.3) |
Average tangible equity | 11.7 | 3.4 | 1.1 | 29.2 | 3.5 | 4.6 | 53.5 |
Return on average tangible equity | 18.6% | 16.8% | 33.2% | 14.2% | 7.3% | n/m | 13.2% |
Barclays PLC | 89 | ![]() |
Appendix: Non-IFRS Performance Measures |
Barclays Group | ||||||||||
Return on average tangible shareholders' equity | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Attributable profit | 2,259 | 1,932 | 1,195 | 1,457 | 1,659 | 1,864 | 965 | 1,564 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average shareholders' equity | 64.8 | 65.5 | 64.8 | 63.3 | 62.1 | 61.4 | 59.7 | 59.1 | ||
Average goodwill and intangibles | (8.7) | (8.3) | (8.3) | (8.2) | (8.2) | (8.3) | (8.2) | (8.1) | ||
Average tangible shareholders' equity | 56.1 | 57.2 | 56.5 | 55.1 | 53.9 | 53.1 | 51.5 | 51.0 | ||
Return on average tangible shareholders' equity | 16.1% | 13.5% | 8.5% | 10.6% | 12.3% | 14.0% | 7.5% | 12.3% |
Barclays UK | ||||||||||
Return on average allocated tangible equity | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Attributable profit | 623 | 591 | 706 | 647 | 580 | 510 | 781 | 621 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average allocated equity | 16.2 | 15.9 | 15.9 | 15.9 | 15.8 | 15.7 | 15.1 | 14.5 | ||
Average goodwill and intangibles | (4.0) | (3.9) | (4.0) | (4.0) | (4.0) | (4.0) | (3.9) | (3.9) | ||
Average allocated tangible equity | 12.2 | 12.0 | 11.9 | 11.9 | 11.8 | 11.7 | 11.2 | 10.6 | ||
Return on average allocated tangible equity | 20.4% | 19.7% | 23.8% | 21.8% | 19.7% | 17.4% | 28.0% | 23.4% | ||
Barclays UK Corporate Bank | ||||||||||
Return on average allocated tangible equity | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Attributable profit | 201 | 187 | 168 | 196 | 142 | 142 | 98 | 144 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average allocated equity | 3.8 | 3.8 | 3.5 | 3.4 | 3.4 | 3.3 | 3.2 | 3.1 | ||
Average goodwill and intangibles | — | — | — | — | — | — | — | — | ||
Average allocated tangible equity | 3.8 | 3.8 | 3.5 | 3.4 | 3.4 | 3.3 | 3.2 | 3.1 | ||
Return on average allocated tangible equity | 21.3% | 19.9% | 19.1% | 22.8% | 16.6% | 17.1% | 12.3% | 18.8% |
Barclays Private Bank and Wealth Management | ||||||||||
Return on average allocated tangible equity | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Attributable profit | 75 | 73 | 35 | 72 | 88 | 96 | 63 | 74 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average allocated equity | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | ||
Average goodwill and intangibles | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | ||
Average allocated tangible equity | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | ||
Return on average allocated tangible equity | 26.9% | 25.5% | 12.6% | 26.4% | 31.9% | 34.5% | 23.9% | 29.0% |
Barclays PLC | 90 | ![]() |
Appendix: Non-IFRS Performance Measures |
Barclays Investment Bank | ||||||||||
Return on average allocated tangible equity | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Attributable profit | 1,204 | 1,111 | 294 | 723 | 876 | 1,199 | 247 | 652 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average allocated equity | 30.0 | 29.7 | 29.6 | 28.6 | 28.7 | 29.6 | 29.3 | 29.5 | ||
Average goodwill and intangibles | — | — | — | — | — | — | — | — | ||
Average allocated tangible equity | 30.0 | 29.7 | 29.6 | 28.6 | 28.7 | 29.6 | 29.3 | 29.5 | ||
Return on average allocated tangible equity | 16.0% | 15.0% | 4.0% | 10.1% | 12.2% | 16.2% | 3.4% | 8.8% | ||
Barclays US Consumer Bank | ||||||||||
Return on average allocated tangible equity | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Attributable profit | 253 | 176 | 144 | 118 | 87 | 41 | 94 | 89 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average allocated equity | 4.1 | 4.3 | 4.2 | 4.0 | 4.0 | 4.2 | 4.0 | 3.8 | ||
Average goodwill and intangibles | (0.8) | (0.5) | (0.6) | (0.5) | (0.6) | (0.6) | (0.6) | (0.5) | ||
Average allocated tangible equity | 3.3 | 3.8 | 3.6 | 3.5 | 3.4 | 3.6 | 3.4 | 3.3 | ||
Return on average allocated tangible equity | 30.2% | 18.8% | 15.8% | 13.5% | 10.2% | 4.5% | 11.2% | 10.9% | ||
Half year ended 30.06.26 | Half year ended 30.06.25 | |
£m | £m | |
Total operating expenses | (9,065) | (8,590) |
UK regulatory levies | (84) | (96) |
Litigation and conduct | (108) | (87) |
Group operating costs | (8,873) | (8,407) |
Reconciliation of group net interest income excluding IB and Head Office | Three months ended 30.06.2026 | Three months ended 30.06.2025 |
£m | £m | |
Total Barclays Group net interest income | 3,921 | 3,505 |
Barclays Investment Bank | 411 | 334 |
Head Office | 149 | 114 |
Group NII excluding IB and Head Office | 3,361 | 3,057 |
Reconciliation of group net interest income excluding IB and Head Office | Half year ended 30.06.26 | Half year ended 30.06.25 |
£m | £m | |
Total Barclays Group net interest income | 7,658 | 7,022 |
Barclays Investment Bank | 794 | 631 |
Head Office | 96 | 288 |
Group NII excluding IB and Head Office | 6,768 | 6,103 |
Barclays PLC | 91 | ![]() |
Appendix: Non-IFRS Performance Measures |
Tangible net asset value per share | As at 30.06.26 | As at 31.12.25 | As at 30.06.25 |
£m | £m | £m | |
Total equity excluding non-controlling interests | 79,358 | 77,784 | 75,906 |
Other equity instruments | (13,275) | (12,725) | (13,266) |
Shareholders' equity attributable to ordinary shareholders of the parent | 66,083 | 65,059 | 62,640 |
Goodwill and intangibles | (8,912) | (8,284) | (8,186) |
Tangible shareholders' equity attributable to ordinary shareholders of the parent | 57,171 | 56,775 | 54,454 |
m | m | m | |
Shares in issue | 13,507 | 13,867 | 14,180 |
p | p | p | |
Net asset value per share | 489 | 469 | 442 |
Tangible net asset value per share | 423 | 409 | 384 |
Profit/(loss) attributable to ordinary equity holders of the parent | H126 | H125 | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | |||
£m | £m | £m | £m | £m | £m | £m | £m | £m | £m | ||||
Barclays UK | 1,214 | 1,090 | 623 | 591 | 706 | 647 | 580 | 510 | 781 | 621 | |||
Barclays UK Corporate Bank | 388 | 284 | 201 | 187 | 168 | 196 | 142 | 142 | 98 | 144 | |||
Barclays Private Bank and Wealth Management | 148 | 184 | 75 | 73 | 35 | 72 | 88 | 96 | 63 | 74 | |||
Barclays Investment Bank | 2,315 | 2,075 | 1,204 | 1,111 | 294 | 723 | 876 | 1,199 | 247 | 652 | |||
Barclays US Consumer Bank | 429 | 128 | 253 | 176 | 144 | 118 | 87 | 41 | 94 | 89 | |||
Head Office | (303) | (238) | (97) | (206) | (152) | (299) | (114) | (124) | (318) | (16) | |||
Barclays Group | 4,191 | 3,523 | 2,259 | 1,932 | 1,195 | 1,457 | 1,659 | 1,864 | 965 | 1,564 | |||
Average equity | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Barclays UK | 16.1 | 15.7 | 16.2 | 15.9 | 15.9 | 15.9 | 15.8 | 15.7 | 15.1 | 14.5 | |||
Barclays UK Corporate Bank | 3.8 | 3.4 | 3.8 | 3.8 | 3.5 | 3.4 | 3.4 | 3.3 | 3.2 | 3.1 | |||
Barclays Private Bank and Wealth Management | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | |||
Barclays Investment Bank | 29.9 | 29.2 | 30.0 | 29.7 | 29.6 | 28.6 | 28.7 | 29.6 | 29.3 | 29.5 | |||
Barclays US Consumer Bank | 4.2 | 4.1 | 4.1 | 4.3 | 4.2 | 4.0 | 4.0 | 4.2 | 4.0 | 3.8 | |||
Head Office | 9.9 | 8.2 | 9.5 | 10.6 | 10.4 | 10.2 | 9.0 | 7.4 | 6.9 | 7.1 | |||
Barclays Group | 65.1 | 61.8 | 64.8 | 65.5 | 64.8 | 63.3 | 62.1 | 61.4 | 59.7 | 59.1 | |||
Return on average equity | % | % | % | % | % | % | % | % | % | % | |||
Return on average allocated equity: | |||||||||||||
Barclays UK | 15.1 | 13.9 | 15.4 | 14.8 | 17.8 | 16.3 | 14.8 | 13.0 | 20.7 | 17.1 | |||
Barclays UK Corporate Bank | 20.6 | 16.8 | 21.3 | 19.9 | 19.1 | 22.8 | 16.6 | 17.1 | 12.3 | 18.8 | |||
Barclays Private Bank and Wealth Management | 24.1 | 30.6 | 24.8 | 23.5 | 11.6 | 24.3 | 29.3 | 31.8 | 21.9 | 26.5 | |||
Barclays Investment Bank | 15.5 | 14.2 | 16.0 | 15.0 | 4.0 | 10.1 | 12.2 | 16.2 | 3.4 | 8.8 | |||
Barclays US Consumer Bank | 20.5 | 6.3 | 24.7 | 16.5 | 13.8 | 11.7 | 8.8 | 3.9 | 9.5 | 9.3 | |||
Head Office | n/m | n/m | n/m | n/m | n/m | n/m | n/m | n/m | n/m | n/m | |||
Return on average shareholders' equity: | |||||||||||||
Barclays Group | 12.9 | 11.4 | 14.0 | 11.8 | 7.4 | 9.2 | 10.7 | 12.1 | 6.5 | 10.6 |
Barclays PLC | 92 | ![]() |
Appendix: Loan Loss Rate Calculations |
Half year ended 30.06.26 | |||||||
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Loan loss rate | £m | £m | £m | £m | £m | £m | £m |
Credit impairment (charges)/ releases | (338) | (19) | (3) | (323) | (713) | 2 | (1,394) |
£bn | £bn | £bn | £bn | £bn | £bn | £bn | |
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 | 239.8 | 31.4 | 15.1 | 137.2 | 25.0 | 1.9 | 450.4 |
Loan loss rate (bps) | 28 | 12 | 4 | 47 | 575 | n/m | 62 |
Half year ended 30.06.25 | |||||||
Barclays UK | Barclays UK Corporate Bank | Barclays Private Bank and Wealth Management | Barclays Investment Bank | Barclays US Consumer Bank | Head Office | Barclays Group | |
Loan loss rate | £m | £m | £m | £m | £m | £m | £m |
Credit impairment (charges)/ releases | (237) | (31) | 11 | (139) | (711) | (5) | (1,112) |
£bn | £bn | £bn | £bn | £bn | £bn | £bn | |
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 | 228.5 | 28.2 | 14.8 | 126.8 | 27.4 | 2.7 | 428.4 |
Loan loss rate (bps) | 21 | 22 | (15) | 22 | 523 | n/m | 52 |
Barclays PLC | 93 | ![]() |
Appendix: Loan Loss Rate Calculations |
Barclays Group | ||||||||||
Loan loss rate | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Credit impairment charges | (571) | (823) | (535) | (632) | (469) | (643) | (711) | (374) | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale) | 450.4 | 449.9 | 441.3 | 437.5 | 428.4 | 430.4 | 429.6 | 408.3 | ||
Loan loss rate (bps) | 51 | 74 | 48 | 57 | 44 | 61 | 66 | 37 | ||
Barclays UK | ||||||||||
Loan loss rate | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Credit impairment charges | (160) | (178) | (74) | (102) | (79) | (158) | (283) | (16) | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale) | 239.8 | 233.6 | 231.9 | 230.9 | 228.5 | 227.5 | 227.5 | 218.4 | ||
Loan loss rate (bps) | 27 | 31 | 13 | 18 | 14 | 28 | 49 | 3 | ||
Barclays UK Corporate Bank | ||||||||||
Loan loss rate | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Credit impairment charges | (16) | (3) | (1) | (5) | (12) | (19) | (40) | (13) | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale) | 31.4 | 31.0 | 30.2 | 29.2 | 28.2 | 27.0 | 25.8 | 25.2 | ||
Loan loss rate (bps) | 20 | 4 | 1 | 7 | 17 | 28 | 62 | 21 | ||
Barclays Private Bank and Wealth Management | ||||||||||
Loan loss rate | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Credit impairment (charges)/releases | (5) | 2 | (2) | (1) | 2 | 9 | (2) | (7) | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale) | 15.1 | 15.1 | 15.1 | 15.2 | 14.8 | 14.8 | 14.7 | 14.3 | ||
Loan loss rate (bps) | 13 | (6) | 5 | 3 | (5) | (25) | 5 | 19 | ||
Barclays PLC | 94 | ![]() |
Appendix: Loan Loss Rate Calculations |
Barclays Investment Bank | ||||||||||
Loan loss rate | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Credit impairment charges | (44) | (279) | (22) | (144) | (67) | (72) | (46) | (43) | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale) | 137.2 | 137.4 | 131.0 | 129.8 | 126.8 | 129.6 | 124.9 | 116.5 | ||
Loan loss rate (bps) | 13 | 82 | 7 | 44 | 21 | 23 | 15 | 15 | ||
Barclays US Consumer Bank | ||||||||||
Loan loss rate | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Credit impairment charges | (346) | (367) | (431) | (379) | (312) | (399) | (298) | (276) | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale) | 25.0 | 30.3 | 30.6 | 29.8 | 27.4 | 28.9 | 30.0 | 26.7 | ||
Loan loss rate (bps) | 555 | 491 | 558 | 505 | 456 | 562 | 395 | 411 | ||
Barclays PLC | 95 | ![]() |
Appendix: Income Over Average RWAs Calculations |
Barclays Investment Bank | Half year ended 30.06.26 | Half year ended 30.06.25 |
£m | £m | |
Income | 7,986 | 7,180 |
£bn | £bn | |
Average RWAs | 203.2 | 198.8 |
Income over average RWAs | 7.9% | 7.2% |
Barclays Investment Bank | Q226 | Q126 | Q425 | Q325 | Q225 | Q125 | Q424 | Q324 | ||
£m | £m | £m | £m | £m | £m | £m | £m | |||
Income | 3,958 | 4,028 | 2,792 | 3,083 | 3,307 | 3,873 | 2,607 | 2,851 | ||
£bn | £bn | £bn | £bn | £bn | £bn | £bn | £bn | |||
Average RWAs | 204.5 | 202.0 | 202.1 | 194.9 | 196.1 | 201.4 | 199.9 | 201.8 | ||
Income over average RWAs | 7.7% | 8.0% | 5.5% | 6.3% | 6.7% | 7.7% | 5.2% | 5.7% |
Barclays PLC | 96 | ![]() |
Shareholder Information |
Results timetable1 | Date | ||||||
Ex-dividend date | 6 August 2026 | ||||||
Dividend record date | 7 August 2026 | ||||||
DRIP last election date | 24 August 2026 | ||||||
Dividend payment date | 15 September 2026 | ||||||
Q3 2026 Results Announcement | 22 October 2026 | ||||||
For qualifying ADR holders, the 2026 half year dividend of 5.9p per ordinary share becomes 23.6p per ADS (representing four shares). The ex-dividend date for ADR holders is 7 August 2026. The dividend record and dividend payment dates for ADR holders are as shown above. The dividend fee chargeable by the ADR depositary to ADR holders is 4.5% of gross dividend. | |||||||
A Dividend Re-Investment Plan (DRIP) is provided by Equiniti Financial Services Limited. The DRIP enables the Company’s shareholders to elect to have their cash dividend payments used to purchase the Company’s shares. More information can be found at shareview.co.uk/info/drip | |||||||
DRIP participants will usually receive their additional ordinary shares (in lieu of a cash dividend) three to four days after the dividend payment date. Qualifying ADR holders should contact Computershare Shareowner Services for further details regarding the DRIP. | |||||||
Barclays PLC ordinary shares ISIN code: GB0031348658 | |||||||
Barclays PLC ordinary shares TIDM Code: BARC | |||||||
% Change2 | |||||||
Exchange rates | 30.06.26 | 31.12.25 | 30.06.25 | 31.12.25 | 30.06.25 | ||
Period end - GBP/USD | 1.33 | 1.34 | 1.37 | (1)% | (3)% | ||
YTD average - GBP/USD | 1.35 | 1.32 | 1.30 | 2% | 4% | ||
3 month average - GBP/USD | 1.34 | 1.33 | 1.35 | 1% | —% | ||
Period end - GBP/EUR | 1.16 | 1.15 | 1.17 | 1% | (1)% | ||
YTD average - GBP/EUR | 1.15 | 1.17 | 1.19 | (2)% | (3)% | ||
3 month average - GBP/EUR | 1.16 | 1.14 | 1.18 | 2% | (2)% | ||
Share price data | |||||||
Barclays PLC (p) | 507 | 476 | 337 | ||||
Barclays PLC number of shares (m) | 13,507 | 13,867 | 14,180 | ||||
For further information please contact | |||||||
Investor relations | Media relations | ||||||
Marina Shchukina +44 (0) 20 7116 2526 | Tom Hoskin +44 (0) 20 7116 4755 | ||||||
More information on Barclays 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: 48839. | |||||||
Registrar | |||||||
Equiniti, Highdown House, Yeoman Way, Worthing, West Sussex, BN99 6DA, United Kingdom. | |||||||
Tel +44 (0)371 384 2055 (UK and International telephone number)3. | |||||||
American Depositary Receipts (ADRs) | |||||||
Computershare Shareowner Services, P.O. Box 43304, Providence, RI 02940-3304, United States of America | |||||||
General Toll Free: +1-866-723-8257 | |||||||
General Direct: +1-781-575-2833 | |||||||
www.computershare.com/investor | |||||||
Delivery of ADR certificates and overnight mail | |||||||
Computershare Shareowner Services, 150 Royall Street, Suite 101, Canton, MA 02021-1054 | |||||||
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