Company: BCS
Filing Date: 2025-02-13
Form Type: 6-K
Source: 0001654954-25-001446
Chunk: 38

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 6-K
Chunk 38
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 subsidiaries, to meet entity-specific stress outflows and local regulatory requirements. To the extent the use of this residual portion of the liquidity pool is restricted due to local regulatory requirements, it is assumed to be unavailable to the rest of the Group in calculating the LCR.

The composition of the pool is subject to limits set by the Board and the independent liquidity risk, credit risk and market risk functions. In addition, the investment of the liquidity pool is monitored for concentration by issuer, currency and asset type. Given returns generated by these highly liquid assets, the risk and reward profile is continuously managed.

#### Deposit funding
|                                             |                                        As at 31.12.24 |                            |                      |     |       As at 31.12.23 |
|                                             | Loans and advances, debt securities at amortised cost | Deposits at amortised cost | Loan: deposit ratio1 |     | Loan: deposit ratio1 |
| Funding of loans and advances               |                                                   £bn |                        £bn |                    % |     |                    % |
| Barclays UK                                 |                                                   225 |                        244 |                   92 |     |                   92 |
| Barclays UK Corporate Bank                  |                                                    26 |                         83 |                   31 |     |                   31 |
| Barclays Private Bank and Wealth Management |                                                    15 |                         70 |                   21 |     |                   23 |
| Barclays Investment Bank                    |                                                   124 |                        141 |                   88 |     |                   82 |
| Barclays US consumer Bank                   |                                                    21 |                         23 |                   91 |     |                  125 |
| Head Office                                 |                                                     3 |                          — |                      |     |                      |
| Barclays Group                              |                                                   414 |                        561 |                   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