Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 22

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 22
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% to £369m driven by purchases and fee growth

#### ●

Total operating expenses increased 1% to £806m, driven by partner related expenses, partially offset by FX, with ongoing efficiency savings offsetting inflationary headwinds

●

Credit impairment charges were £711m (H124: £719m ), informed by broadly stable delinquencies in US cards and elevated US macroeconomic uncertainty, including the post model adjustment booked in Q125. US cards 30 and 90 day arrears were 2.8% 1 (H124: 2.9%) and 1.6% 1 (H124: 1.6%) respectively. The USCB total coverage ratio was 11.6% (December 2024: 11.4%)

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

●**

Loans and advances to customers at amortised cost reduced to £18.2bn (December 2024: £20.0bn), reflecting seasonality and the strengthening of spot GBP against USD

●

Deposits at amortised cost decreased to £22.5bn (December 2024: £23.3bn) , with growth in retail savings which is in line with USCB's ambition to grow core deposits, more than offset by the strengthening of spot GBP against USD

●

RWAs decreased to £24.7bn (December 2024: £26.8bn), driven by seasonality and the strengthening of spot GBP against USD

| 1 | Including a co-branded cards portfolio classified as assets held 
 for sale.                                                        |

| Head Office                             | 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                     |             288 |            248 |             16 |     |                114 |       62 |       84 |
| Net fee, commission and other income    |            -152 |           -