Company: BCS
Filing Date: 2025-02-13
Form Type: 20-F
Source: 0000312069-25-000114
Chunk: 436

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 20-F
Chunk 436
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 428 | —  |   428 |
| Retail credit cards     |   815 |   905 | 1,720 | —  | 1,720 |     | 520 |   813 | 1,333 | —  | 1,333 |
| Retail other            |   242 |   251 |   493 | —  |   493 |     |  82 |    94 |   176 | —  |   176 |
| Corporate loans         | 1,248 | 1,306 | 2,554 | —  | 2,554 |     | 142 |   456 |   598 | —  |   598 |
| Total Stage 3           | 3,933 | 3,258 | 7,191 | —  | 7,191 |     | 834 | 1,701 | 2,535 | —  | 2,535 |

Note: 1 Exposures exclude the portfolios which have been classified as assets held for sale.

| Strategy                                   | Shareholderinformation | Climate andsustainability report | Governance |     | Riskreview | Financialreview | Financialstatements |     | Barclays PLC 2024Annual Reporton Form 20-F | 248 |
| Risk performance - Credit risk (continued) |                        |                                  |            |     |            |                 |                     |     |                                            |     |

Management adjustments to models for impairment (audited)

Management adjustments to impairment models are applied in order to factor in certain conditions or changes in policy that are not

fully incorporated into the impairment models, or to reflect additional facts and circumstances at the period end. Management

adjustments are reviewed and incorporated into future model development where applicable.

Management adjustments are captured through “Economic uncertainty” and “Other” adjustments, and are presented by product and

geography below:

| Management adjustments to models for impairment allowance presented by product and geography (audited)1 |                                               |                                   |                      |                            |                           |                                                                |
|                                                                                                         | Impairmentallowance premanagementadjustments2 | Economicuncertaintyadjustments(a) | Otheradjustments3(b) | Managementadjustments(a+b) | Totalimpairmentallowance4 | Proportion ofmanagementadjustments tototal impairmentallowance |
| As at 31 December 2024                                                                                  |                                            £m |                                £m |                   £m |                         £m |                        £m |