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

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 6
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  | £2.5bn            | £1.7bn              | 59%                | 44bps | 12.3% | 11.7p | 384p           | 14.0%      | £1.4bn               |
| H125 | £14.9bn | £5.2bn            | £3.5bn              | 58%                | 52bps | 13.2% | 24.7p |                |            |                      |

**Q225 Performance highlights:**

#### ●

Group RoTE was 12.3% (Q224: 9.9%) with profit before tax of £2.5bn (Q224: £1.9bn). All divisions delivered double-digit RoTE in Q225

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Group income of £7.2bn was up 14% year-on-year 2 , with Group net interest income (NII) excluding Barclays Investment Bank and Head Office of £3.1bn, up 12% year-on-year

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Barclays UK income increased 12%, driven by higher structural hedge income and the Tesco Bank acquisition

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Barclays UK Corporate Bank (UKCB) income increased 17%, reflecting higher average deposit and lending balances, and higher structural hedge income

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Barclays Private Bank and Wealth Management (PBWM) income increased 9 %, reflecting higher client balances and transactional activity

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Barclays Investment Bank (IB) income increased 10 %, driven by Global Markets, partially offset by Investment Banking

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Barclays US Consumer Bank (USCB) income was stable, reflecting card balance growth offset by the strengthening of GBP against USD. On a USD basis income was up 7%

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Group total operating expenses were £4.2bn, up 5% year-on-year, with a cost: income ratio of 59% (Q224: 63%)

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Group operating costs increased 4% to £4.1bn, reflecting Tesco Bank costs, further investment spend and business growth, inflation, partially offset by c.£200m of cost efficiency savings

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Credit impairment charges were £0.5bn (Q224: £0.4bn) with an LLR of 44bps (Q224: 38bps), including the impact of Tesco Bank

| 1 | Represents RWAs from business growth across Barclays UK, Private   
 Bank and Wealth Management, and UK