Company: BCS
Filing Date: 2025-07-29
Form Type: 6-K
Source: 0001654954-25-008608
Chunk: 13

Company: BARCLAYS PLC
Filing Date: 2025-07-29
Form: 6-K
Chunk 13
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8 |           19.7 |           21.2 |          |                    |       |          |
| Total loans and advances to customers at amortised       
 cost                                                     |           211.2 |          207.7 |          198.7 |          |                    |       |          |
| Analysis of customer deposits at amortised cost          |                 |                |                |          |                    |       |          |
| Personal                                                 
 Banking                                                  |           189.3 |          191.4 |          183.3 |          |                    |       |          |
| Barclaycard                                              
 Consumer UK                                              |               — |              — |              — |          |                    |       |          |
| Retail                                                   
 Banking1                                                 |           189.3 |          191.4 |          183.3 |          |                    |       |          |
| Business Banking                                         |            52.0 |           52.8 |           53.5 |          |                    |       |          |
| Total customer deposits at amortised cost                |           241.3 |          244.2 |          236.8 |          |                    |       |          |

| 1 | Following the completion of the acquisition on 1 November 2024, 
 Tesco Bank is reported in Retail Banking.                       |

Barclays UK delivered a RoTE of 18.6% (H124: 20.4%) supported by robust income, disciplined cost management as Tesco Bank is integrated, and normalising levels of impairment underpinned by strong asset quality.

#### Income statement - H125 compared to H124
#### ●

#### Profit before tax increased 4% to £1,601m
●

Total income increased 13% to £4,193m. NII increased 17% to £3,677m, as continued structural hedge momentum and the impact from the acquisition of Tesco Bank was partially offset by retail deposit dynamics. Net fee, commission and other income decreased 9% to £516m

-

Retail Banking income increase d 15% to £3,172m driven by continued structural hedge momentum and the impact from the acquisition of Tesco Bank, partially offset by retail deposit dynamics

Business Banking income increased 7% to £1,021m driven by continued structural hedge momentum, partially offset by lower government scheme lending as repayments continue and lower deposit volumes

#### ●

Total operating expenses increased 12 % to