Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 9

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 9
---
| Funding and liquidity                                    |                |                |                |
| Group liquidity pool (£bn)                               |          333.7 |          296.9 |          328.7 |
| Liquidity                                                
 coverage ratio2                                          |         177.7% |         172.4% |         167.0% |
| Net                                                      
 stable funding ratio3                                    |         135.6% |         134.9% |         136.4% |
| Loan: deposit ratio                                      |            74% |            74% |            72% |

| 1 
 2 | Refer to pages 55 to 59 for further information on how capital,     
 RWAs and leverage are calculated.                                   
 Represents average of the last 12 spot month end ratios. From June  
 2025, Barclays is prospectively implementing a new methodology for  
 calculating net stress outflows related to secured financing        
 transactions in the liquidity coverage ratio (LCR), see page 50 for 
 additional information.                                             |
|:--|:--------------------------------------------------------------------|
| 3 | Represents average of the last four spot quarter end                
 positions.                                                          |

#### Group Finance Director's Review

#### H125 Group performance
#### ●

**Barclays delivered a profit before tax of £5,203m (H124: £4,215m), RoTE of 13.2% (H124: 11.1%) and EPS of 24.7p (H124: 18.6p)**

#### ●

The Group has a diverse income profile across businesses and geographies. The appreciation of average GBP against USD negatively impacted income and profits, and positively impacted credit impairment charges and total operating expenses

#### ●

Group statutory income increased 12% to £14,896m driven by higher income in Global Markets across FICC and Equities, higher structural hedge income and Tesco Bank income

#### ●

**Group total operating expenses increased to £8,590m (H124: £8,181m)**

-

Group operating costs increased 5% to £8,407m, reflecting Tesco Bank costs, further investment spend and business growth, inflation and the c.£50m expense for the employee share grant announced at FY24 Results, partially offset by c.£350m of cost efficiency savings

●

Credit impairment charges increased to £1,112m (H124: £897m), primarily driven by t he acquisition of Tes