Company: BCS
Filing Date: 2025-02-13
Form Type: 20-F
Source: 0000312069-25-000114
Chunk: 445

Company: BARCLAYS PLC
Filing Date: 2025-02-13
Form: 20-F
Chunk 445
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,171 |    4,717 |    4,897 |    5,097 |      5,506 |      6,102 |

| Strategy                                   | Shareholderinformation | Climate andsustainability report | Governance |     | Riskreview | Financialreview | Financialstatements |     | Barclays PLC 2024Annual Reporton Form 20-F | 260 |
| Risk performance - Credit risk (continued) |                        |                                  |            |     |            |                 |                     |     |                                            |     |

| Reconciliation to total ECL                         |    £m |
| Total weighted model ECL                            | 5,171 |
| ECL from individually assessed exposures4           |   401 |
| ECL from non-modelled exposures and others          |   276 |
| ECL from debt securities at amortised cost          |    27 |
| ECL from post model management adjustments          |   377 |
| Of which: ECL from economic uncertainty adjustments |   198 |
| Total ECL                                           | 6,252 |

Notes:

1 Model exposure and ECL reported within Retail credit cards and Retail other excludes the German consumer finance business portfolio which has now been classified as assets held for

sale.

2 Model exposures are allocat ed to a stage based on an individual scenario rather than a probability-weighted approach, as required for Barclays reported impairment allowances. As a result, it is not

possible to back solve the final reported weighted ECL from individual scenarios given balances may be assigned to a different stage dependent on the scenario.

3 Model exposures allocated to Stage 3 does not change in any of the scenarios as the transition criteria relies only on an observable evidence of default as at 31 December 2023 and not on

macroeconomic scenario.

4 Material corporate loan defaults are individually assessed across different recovery strategies. As a result, ECL of £ 401 m is reported as an individually assessed impairment in the reconciliation table .

| Strategy                                   | Shareholderinformation | Climate andsustainability report | Governance |     | Riskreview | Financialreview | Financialstatements |     | Barclays PLC 2024Annual Reporton Form 20-F | 261 |
| Risk performance - Credit risk (continued) |                        |                                  |            |     |            |                 |                     |     |                                            |     |

Analysis of the concentration of credit risk A concentration of credit risk exists when a number of counterparties are located in a common geographical region or are engaged in similar activities and have similar economic