Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 16

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 16
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Total operating expenses increased 10% to £537m , primarily driven by a litigation and conduct charge of £39m. Operating costs increased 4% to £474m, reflecting higher investment spend to support business growth ambitions, with ongoing efficiency savings offsetting inflationary headwinds

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Credit impairment charges were £31m (H124: £23m) , reflecting stable underlying credit performance and limited single name charges

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

#### ●

Loans and advances to customers at amortised cost increased to £27.9bn (December 2024: £25.4bn), reflecting the strategic focus to grow customer lending

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Deposits at amortised cost increased to £85.3bn (December 2024: £83.1bn), driven by an inflow of balances from new and existing customers

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RWAs increased to £25.3bn (December 2024: £23.9bn),reflecting higher client lending limits and growth in lending balances

| Barclays Private Bank and Wealth Management       | 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                               |             407 |            362 |             12 |   |                203 |      187 |        9 |
| Net fee, commission and other income              |             290 |            270 |              7 |   |                145 |      133 |        9 |
| Total income                                      |             697 |            632 |             10 |   |                348 |      320 |        9 |
| Operating costs                                   |            -472 |           -434 |             -9 |   |               -238 |     -220 |       -8 |
| UK regulatory levies                              |              -2 |             -3 |             33 |   |                  — |        — |          |
| Lit