Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 36

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 36
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 over 85%) comprised UK, US,       
 French, German, Japanese, Swiss and Dutch securities.               |

The Group liquidity pool was £333.7bn as at June 2025, increased by £36.8 vs December 2024 (December 2024: £296.9bn).

In H125, the month-end liquidity pool ranged from £326bn to £341bn (2024: £297bn to £341bn), and the month-end average balance was £333bn (2024: £322bn). The liquidity pool is held unencumbered and represents readily accessible funds to meet potential cash outflows during stress periods.

As at 30 June 2025, 66% (December 2024: 60%) of the liquidity pool was located in Barclays Bank PLC, 19% (December 2024: 23%) in Barclays Bank UK PLC and 9% (December 2024: 9%) in Barclays Bank Ireland PLC. The residual portion of the liquidity pool is held outside of these entities, predominantly in US 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 30.06.25 |                            |                      |     |       As at 31.12.24 |
|                                             | 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                                 |                                                   227 |                        241 |                   94 |     |                   92 |
| Barclays UK Corporate Bank                  |                                                    28 |                         85 |                   33 |     |                   31 |
| Barclays Private Bank and Wealth Management |                                                    15 |                         67 |                   22 |     |                   21 |
| Barclays Investment Bank                    |