Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 14

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 14
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 £2,355m, driven by Tesco Bank run and integration costs, and inflation. Ongoing efficiency savings continue to be reinvested, to drive sustainable improvement to the cost: income ratio

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Credit impairment charges were £237m (H124: £66m), underpinned by low UK cards 30 and 90 day arrears rates of 0.7% (H124: 0.8%) and 0.2% (H124: 0.2%) respectively. Total charges are higher than those in H124, which benefitted from an improved macroeconomic outlook; and H125 charges also reflect the impact from the acquisition of Tesco Bank. The UK cards total coverage ratio decreased to 4.5% (December 2024: 4.8%) driven by resilient customer behaviour

**Balance sheet - 30 June 2025 compared to 31 December 2024

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Loans and advances to customers at amortised cost increased by £3.5bn to £211.2bn , primarily driven by growth in Retail Banking mortgages and cards lending, partially offset by continued repayment of government scheme lending in Business Banking

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Customer deposits at amortised cost decreased by £2.9bn to £241.3bn, driven by a reduction in Retail Banking deposits and Business Banking current accounts. The loan: deposit ratio remained broadly stable at 94% (December 2024: 92%)

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RWAs increased to £86.1bn (December 2024: £84.5bn) primarily due to Retail Banking mortgages and cards lending growth

| Barclays UK Corporate Bank                        | Half year ended |                |                |     | Three months ended |          |          |
|:--------------------------------------------------|----------------:|---------------:|---------------:|:----|-------------------:|---------:|---------:|
|                                                   |        30.06.25 |       30.06.24 |                |     |           30.06.25 | 30.06.24 |          |
| Income statement information                      |              £m |             £m |       % Change |     |                 £m |       £m | % Change |
| Net interest income                               |             701 |            573 |             22 |     |                359 |      296 |       21 |
| Net fee, commission, trading and other income     |             302 |            304 |             -1