Company: BCS
Filing Date: 2025-02-13
Form Type: 20-F
Source: 0000312069-25-000114
Chunk: 429

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 20-F
Chunk 429
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2.2 |                     2.3 |                         |
| Missing   |                         |                     5.6 |                     5.2 |

Note: Data collected from 3rd party source based on one quarter lag. 30 September 2024 closest available dataset. Flood: Total Volume of stock (as % of total UK Mortgages portfolio) per risk band Flooding in the UK is forecast to increase over time, with the potential for this increase to accelerate if greenhouse gas emissions are not reduced. The increased risk of flooding has the potential to impact the valuation of properties directly, as well as indirectly where areas may become high risk and property demand falls. Remediation costs, high insurance premiums or potential lack of insurance coverage have the potential to impact affordability. Barclays works with a third-party climate data provider to support climate risk data enhancements within the UK Mortgages portfolio. This has enabled Barclays to move from postcode level to property level flood data granularity. Flood Risk bands are based on average annual loss, generated using flood hazard frequency and flood depth from tidal, surface, pluvial and fluvial flooding and accounting for the mitigating impact of flood defences where these are present. Properties in the Moderate and High Risk bands are expected to face above average insurance costs given their elevated exposure to flood risk. Those within the Very High band and which meet certain requirements (e.g. owner-occupied, built before-2009, are a single residential unit or a building comprising of two or three residential units) are considered likely to be eligible for Flood Re (a government subsidised flood insurance scheme).

|            | As at 30 September 2024 | As at 30 September 2023 |
| Risk Band  |                Volume % |                Volume % |
| Negligible |                    80.9 |                    81.3 |
| Very Low   |                     7.6 |                     7.6 |
| Low        |                     1.8 |                     1.8 |
| Moderate   |                     1.6 |                     1.6 |
| High       |                     2.6 |                     2.6 |
| Very High  |                     1.2 |                     1.2 |
| Missing    |                     4.3 |                     3.9 |

Note: Data collected from 3rd party source based on one quarter lag. 30 September 2024 closest available dataset.

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