Company: BCS
Filing Date: 2025-02-13
Form Type: 20-F
Source: 0000312069-25-000114
Chunk: 447

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 20-F
Chunk 447
---
 classified as assets held for sale.

3 Exposures reported within Retail credit cards, Retail other and Corporate loans does not include the German consumer finance business and a co-branded card portfolio (2024) which is

classified as assets held for sale.

| Strategy                                   | Shareholderinformation | Climate andsustainability report | Governance |     | Riskreview | Financialreview | Financialstatements |     | Barclays PLC 2024Annual Reporton Form 20-F | 271 |
| Risk performance - Credit risk (continued) |                        |                                  |            |     |            |                 |                     |     |                                            |     |

Analysis of specific portfolios and asset types This section provides an analysis of principal portfolios and businesses, in particular, home loans, credit cards, unsecured loans and other retail lending. Secured home loans The UK home loans portfolio comprises first lien home loans and accounts for 97% ( 2023 : 95% ) of the Group’s total home loan balances.

| Home loans principal portfolios                      |             |         |
|                                                      | Barclays UK |         |
| As at 31 December                                    |        2024 |    2023 |
| Gross loans and advances (£m)                        |     163,197 | 163,639 |
| >90 day arrears, excluding recovery book (%)         |         0.2 |     0.2 |
| Annualised gross charge-off rates (%)                |         0.5 |     0.5 |
| Recovery book proportion of outstanding balances (%) |         0.6 |     0.6 |
| Recovery book impairment coverage ratio (%)1         |         3.7 |     7.2 |

Note: 1 Recovery Book Impairment Coverage Ratio excludes KMC. Within the UK home loans portfolio: • Gross loans and advances decreased by £ 0.4bn ( 0.3% ) reflecting a £2.0bn ( 10.3% ) decrease in Buy to Let, partially offset by a £ 1.6 bn ( 1.1% ) increase in Residential. • Owner-occupied interest-only home loans comprised 15% ( 2023 : 17% ) of total balances. The average balance weighted LTV on owner occupied loans decreased to 52.7% ( 2023 : 53.1% ). • BTL home loans comprised 11.0% ( 2023 : 12.3% ) of total balances. In B