Company: BCS
Filing Date: 2025-02-13
Form Type: 20-F
Source: 0000312069-25-000114
Chunk: 435

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 20-F
Chunk 435
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 — |  — |     1 |
| Corporate loans         |  3,593 |    964 |  72 |  4,629 |     |   155 |  42 |  3 |   200 |
| Total Rest of the World |  6,302 |  2,053 | 161 |  8,516 |     |   930 | 411 | 26 | 1,367 |
| Retail mortgages        |  9,206 |  9,617 | 646 | 19,469 |     |    73 |  24 |  8 |   105 |
| Retail credit cards     |  4,197 |  1,350 |  31 |  5,578 |     | 1,166 | 443 | 21 | 1,630 |
| Retail other            |    784 |    503 |  56 |  1,343 |     |   105 |  12 |  1 |   118 |
| Corporate loans         | 10,338 |  2,809 | 155 | 13,302 |     |   332 |  78 |  4 |   414 |
| Total Stage 2           | 24,525 | 14,279 | 888 | 39,692 |     | 1,676 | 557 | 34 | 2,267 |

Notes: 1 Where balances satisfy more than one of the above three criteria for determining a significant increase in credit risk, the corresponding gross exposure and impairment allowance have been assigned in order of categories presented. 2 Exposures exclude the portfolios which have been classified as assets held for sale.

| Strategy                                   | Shareholderinformation | Climate andsustainability report | Governance |     | Riskreview | Financialreview | Financialstatements |     | Barclays PLC 2024Annual Reporton Form 20-F | 247 |
| Risk performance - Credit risk (continued) |                        |                                  |            |     |            |                 |                     |     |                                            |     |

Stage 3 decomposition Stage 3 comprises exposures that are considered to be credit impaired. An asset is considered credit impaired when one or more events occur that have a detrimental impact on the estimated future cash flows of the financial asset. This comprises assets defined as defaulted, other individually assessed exposures and POCI as part of Tesco bank acquisition where