Company: BCS
Filing Date: 2025-02-13
Form Type: 6-K
Source: 0001654954-25-001446
Chunk: 23

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 6-K
Chunk 23
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0% |           2.9% |          |     |                    |          |          |
| US cards customer FICO score distribution         |                |                |          |     |                    |          |          |
| <660                                              |            12% |            12% |          |     |                    |          |          |
| >660                                              |            88% |            88% |          |     |                    |          |          |
| End net receivables ($bn)                         |           33.1 |           32.2 |          |     |                    |          |          |
|                                                   | As at 31.12.24 | As at 31.12.23 |          |     |                    |          |          |
| Balance sheet information                         |            £bn |            £bn |          |     |                    |          |          |
| Loans and advances to customers at amortised cost |           20.0 |           24.2 |          |     |                    |          |          |
| Deposits at amortised cost                        |           23.3 |           19.7 |          |     |                    |          |          |
| Risk weighted assets                              |           26.8 |           24.8 |          |     |                    |          |          |
| Period end allocated tangible equity              |            3.7 |            3.4 |          |     |                    |          |          |

USCB delivered a RoTE of 9.1% (2023: 4.1%) driven by a reduced impairment charge from lower reserve build, and growth in cards balances driving higher income, partially offset by the strengthening of GBP against USD. c.£0.9bn ($1.1bn) of the outstanding credit card receivables were sold to Blackstone in Q124, providing a benefit from reduced RWAs.

#### 2024 compared to 2023

#### Income statement
●

The appreciation of average GBP against USD adversely impacted income and profits, and positively impacted credit impairment charges and total operating expenses.

#### Measurement uncertainty
#### ●

#### Profit before tax was £407m (2023: £174m)
●

Total income increased 2% to £3,326m. NII increased 2% to £2,659m reflecting underlying growth in cards balances. Net fee, commission and other income remained stable driven by higher purchases and account growth 1

#### ●