Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 37

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 37
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126 |                        149 |                   85 |     |                   88 |
| Barclays US consumer Bank                   |                                                    19 |                         23 |                   83 |     |                   91 |
| Head Office                                 |                                                     3 |                          — |                      |     |                      |
| Barclays Group                              |                                                   418 |                        565 |                   74 |     |                   74 |

| 1 | The loan: deposit ratio is calculated as loans and advances at  
 amortised cost and debt securities at amortised cost divided by 
 deposits at amortised cost.                                     |

#### Funding structure and funding relationships
The basis for sound liquidity risk management is a funding structure that reduces the probability of a liquidity stress leading to an inability to meet funding obligations as they fall due. The Group’s overall funding strategy is to develop a diversified funding base (geographically, by type and by counterparty) and maintain access to a variety of alternative funding sources, to provide protection against unexpected fluctuations, while minimising the cost of funding.

Within this, the Group aims to align the sources and uses of funding. As such, retail and corporate loans and advances are largely funded by deposits in the relevant entities, with the surplus primarily funding the liquidity pool. The majority of reverse repurchase agreements are matched by repurchase agreements. Derivative liabilities and assets are largely matched. A substantial proportion of balance sheet derivative positions qualify for counterparty netting and the remaining portions are largely offset when netted against cash collateral received and paid. Wholesale debt and equity is used to fund residual assets.

These funding relationships as at 30 June 2025 are summarised below:

|                                                               | As at 30.06.25 | As at 31.12.24 |     |                                                            | As at 30.06.25 | As at 31.12.24 |
| Assets                                                        |            £bn |            £bn |     | Liabilities and equity                                     |            £bn |            £bn |
| Loans and advances at amortised cost1                         |            390 |            392 |     | Deposits at amortised cost                                 |            565 |            561 |
| Group liquidity pool                                          |            334 |            297 |     | <1 Year wholesale funding                                  |             73 |             55 |
|                                                               |                |                |     | >1 Year wholesale funding                                  |            131 |            131 |
| Reverse repurchase agreements, trading portfolio assets, cash 
 collateral and settlement balances