Company: BCS
Filing Date: 2025-08-06
Form Type: 424B2
Source: 0001193125-25-174548
Chunk: 15

Company: BARCLAYS PLC
Filing Date: 2025-08-06
Form: 424B2
Chunk 15
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 FACTORS

You should carefully consider the risks described below and all of the information contained and incorporated by reference in this document before you decide whether to acquire any notes.

Acquiring any notes offered under this prospectus supplement involves significant risks. You should reach your own investment decision only after consultation with your own financial, legal and tax advisers (as you deem appropriate) about risks associated with an investment in any notes and the suitability of investing in any notes in light of the particular characteristics and terms of such notes and of your particular financial circumstances. As part of making an investment decision, you should make sure you thoroughly understand the notes’ terms, such as the agreement by you to be bound by the exercise of any U.K. Bail-inPower by the Relevant U.K. Resolution Authority. You should also carefully consider the risk factors and the other information contained in this prospectus supplement and our 2024 Form 20-Fand the other information included and incorporated by reference in this prospectus supplement or the accompanying prospectus before deciding to invest in any notes and you should evaluate (either alone or with the help of a financial adviser) possible scenarios for economic, interest rate and other factors that may affect an investment in the notes and your ability to bear the loss of all or a portion of your investment. If any of the risks described herein (including the risks described in the documents incorporated by reference in this prospectus supplement or the accompanying prospectus) materializes, our business, financial condition and results of operations could suffer, the notes could be subject to the U.K. Bail-inPower, and the trading price and liquidity of the notes could decline, in which case you could lose some or all of the value of your investment.

Capitalized terms used in this section but not otherwise defined are defined in “Description of Senior Notes” below.

Risks relating to the notes

We may redeem the notes at our option in certain situations.

We may, at our option, redeem (i) the 2029 notes pursuant to the 2029 Notes Make-Whole Redemption, in whole or in part, at any time on or
after February 11, 2026 (six months following the Issue Date and, if any additional 2029 notes are issued after the Issue Date, except for the period of six months beginning on the issue date for any such additional 2029 notes) to (but excluding)
the 2029 Notes Par Redemption Date; and/or (ii) the 2029 notes then outstanding, in whole but not in part,