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\n\n美国

\n\n证券交易委员会

\n\n华盛顿特区 20549

\n\n6-K 表格

\n\n外国私人发行人报告

\n\n根据第 13A-16 条或第 15D-16 条

\n\n根据《1934 年证券交易法》

\n10月\n22日，2026年

\n\nBarclays PLC

\n（注册人名称）

\n\n1 Churchill Place

\n\nLondon E14 5HP

\n\nEngland

\n（主要执行办公室地址）

\n请勾选标记，注明注册人是否提交或将提交年度报告

\n采用\n20-F 表格或 40-F 表格。

\n20-F\n表格 x 40-F 表格

\n本 6-K 表格报告由 Barclays PLC 提交。

\n本报告包括：

\n向伦敦证券交易所提供并依据以下规定提交的信息

\n通用\nForm 6-K 通用说明 B。

\n\n签名

\n根据《1934年证券交易法》的要求，注册人已正式授权下列签署人代表其签署本报告。

\n\n\n\n\n\n\n

\n\n	\n \n巴克莱\nPLC \n
\n\n	\n \n（注册人） \n

\n日期：\n2026年10月22日

\n\n\n\n\n\n\n\n\n\n

\n\n

\n签署人：/s/\nGarth Wright

\n--------------------------------

\n\n

\nGarth\nWright

\n\n

\n助理\n秘书

\n\n\n

\n\n

\n 巴克莱\nPLC

\n\nQ326 业绩公告

\n\n2026年9月30日

\n\n注释

\n\nBarclays 和 Group 指 Barclays PLC 及其子公司。除非另有说明，损益表分析比较截至 2026年9月30日的九个月与 2025 年同期；资产负债表分析则比较截至 2026年9月30日与 2025年12月31日和 2025年9月30日的数据。缩写‘£m’和‘£bn’分别表示百万英镑和十亿英镑；缩写‘$m’和‘$bn’分别表示百万美元和十亿美元；缩写‘€m’和‘€bn’分别表示百万欧元和十亿欧元。

\n\n若干关键判断领域（例如减值计算）基于模型，且模型会持续调整和修改。报告数字反映了特定时点的最佳估计和判断。

\n\n本文件中使用但未在适用监管指引或国际财务报告准则（IFRS）中定义的相关术语，详见业绩术语表，可通过 home.barclays/investor-relations 查阅。

\n\n本公告所载信息经董事会于 2026年10月21日批准，不构成《2006年公司法》第434条所指的法定账目。截至 2025年12月31日止年度的法定账目包含根据《2006年公司法》第495条出具的无保留审计报告（该报告未根据《2006年公司法》第498条作出任何声明），并已按照《2006年公司法》第441条提交公司注册处。

\n\n本业绩将在本文件发布后尽快以 Form 6-K 向美国证券交易委员会（SEC）提交。向 SEC 提交后，Form 6-K 副本可在 SEC 网站 www.sec.gov 查阅。

\n\nBarclays 是债务资本市场的常规发行人，并定期通过正式路演及其他临时会议与投资者会面。按照惯例，Barclays 预计将在未来一个季度不时与全球投资者会面，讨论本次业绩及其他与 Group 相关的事项。

\n\n非 IFRS 业绩指标

\n\nBarclays 管理层认为，本文件所列的非 IFRS 业绩指标能为财务报表读者提供有价值的信息，因为这些指标使读者能够以更一致的基础比较各业务在不同财务期间的表现，并更详细地了解这些业务管理者最能直接影响或与评估本集团相关的业绩要素。这些指标也反映了 Barclays 管理层定义运营目标和监控业绩的重要方式。\n但是，本文件中的任何非 IFRS 业绩指标都不能替代 IFRS 指标，读者也应考虑 IFRS 指标。有关本文件中所列非 IFRS 业绩指标的定义和计算方法，以及与最直接可比 IFRS 指标的对账，请参阅第 70 至 79 页的附录。

\n\n前瞻性声明

\n\n本文件包含若干涉及本集团的前瞻性陈述，其含义见经修订的《1934年美国证券交易法》第21E条及经修订的《1933年美国证券法》第27A条。Barclays提醒读者，任何前瞻性陈述均不构成对未来业绩的保证，实际结果或其他财务状况或业绩指标可能与前瞻性陈述所述内容存在重大差异。前瞻性陈述的特点是并非仅涉及历史或当前事实。前瞻性陈述有时会使用“可能”“将”“寻求”“继续”“旨在”“预期”“目标”“预计”“希望”“估计”“打算”“计划”“目的”“相信”“实现”或其他含义相近的词语。前瞻性陈述既可以书面形式作出，也可能由本集团的董事、高管和员工（包括在管理层演示期间）就本文件口头作出。前瞻性陈述的示例包括但不限于有关或涉及本集团未来财务状况、业务战略、收入水平、成本、资产和负债、减值费用、拨备、资本杠杆及其他监管比率、资本分配（包括股息和股票回购政策）、有形股本回报率、银行业和金融市场预计增长水平、行业趋势、任何承诺和目标（包括与可持续发展相关的承诺和目标）、未来运营计划和目标、国际财务报告准则（“IFRS”）以及其他非历史或当前事实的陈述。前瞻性陈述的性质决定了其涉及风险和不确定性，因为它们与未来事件和情况有关。前瞻性陈述仅代表其作出之日的情况。前瞻性陈述可能受到多种因素影响，包括但不限于：立法、法规、政府和监管政策、预期和行动、自愿行为守则及其解释的变化；IFRS和其他会计准则的变化，包括相关解释和应用惯例的变化，以及新兴和发展中的可持续发展报告准则（包括排放核算方法）；税法和税务惯例的变化；当前和未来法律诉讼及监管调查的结果；本集团与政府及其他利益相关方有效衡量、管理和减轻气候变化影响的能力，或应对本集团运营所在地区气候政策实施方式中的不一致和冲突的能力，包括因在可持续发展问题上采取不同或相反立场的规则和法规出台，或政府和监管机构采取其他反可持续发展政策行动而产生的情况；环境、社会和地缘政治风险及事件，以及本集团无法控制的类似事件；金融犯罪；银行和金融服务行业竞争的影响；适用于过去、当前和未来期间的资本、流动性、杠杆及其他监管规则和要求；英国、美国、欧元区和全球宏观经济及商业状况，包括通胀；信贷和资本市场波动；与市场相关的风险，例如利率和外汇汇率变化；基准利率和指数改革；资产估值上升或下降；本集团内任何实体或其发行的任何证券的信用评级变化；交易对手风险变化；消费者行为变化；贸易政策变化，包括征收关税或采取其他保护主义措施；中东和乌克兰冲突对欧洲和全球宏观经济状况、政治稳定及金融市场造成的直接和间接影响；美国立法和政策变化；英国与欧盟关系的发展；网络攻击、信息或安全漏洞、技术故障或运营中断的风险，以及其后对本集团声誉、业务或运营造成的任何影响；新技术的使用，包括人工智能；本集团获取资金的能力；以及收购、处置、合资和其他战略交易的成功与否。上述若干因素超出本集团的控制范围。因此，本集团的实际财务状况、业绩、财务和非财务指标或业绩衡量指标，或其履行承诺和实现目标的能力，可能与本集团前瞻性陈述中所列陈述或指引存在重大差异。在设定2026-2028期间的目标和展望时，Barclays对宏观经济环境作出了一定假设，包括但不限于通胀、利率和失业率、本集团运营所在的不同市场和竞争状况，以及其发展某些业务、实现成本节约和采取其他结构性行动的能力。可能影响本集团未来财务状况和业绩的其他风险和因素，详见Barclays PLC向美国证券交易委员会（“SEC”）提交的文件（包括但不限于Barclays PLC截至2025年12月31日止财政年度的20-F表年度报告），这些文件可在SEC网站www.sec.gov上查阅。

在遵守 Barclays PLC 根据任何相关司法管辖区（包括但不限于英国和美国）适用法律法规所承担的披露及持续信息披露义务的前提下，我们不承诺因新信息、未来事件或其他原因而公开更新或修订任何前瞻性陈述。

业绩亮点

Barclays 在 Q326 实现 11.7% 的有形股本回报率（RoTE），宣布回购 5 亿英镑股票，并按计划实现 2026 年和 2028 年目标

集团首席执行官 C. S. Venkatakrishnan 评论道

“Barclays 的运营和财务业绩持续向好，我对此感到欣慰。Q326 的 RoTE 为 11.7%，年初至今为 13.8%。收入为 74 亿英镑，较去年同期增长 3%。成本收入比从 63% 改善至 62%，税前利润增长 12% 至 23 亿英镑，每股收益（EPS）增长 18%。距离原定三年计划结束还有一个季度，我们已实现或按计划实现所有 2026 年集团目标。对于今年早些时候提出的 2028 年目标，我们充满信心并坚定致力于实现这些目标。Q326，我们最高回报率的英国业务实现贷款同比增长 7% 1，其中英国企业银行表现尤为强劲，同比增长 14%。投资银行的股票业务表现强劲，抵消了固定收益、外汇和大宗商品（FICC）业务面临的严峻环境。强劲的内生资本生成以及 14.2% 的普通股一级资本（CET1）比率，使我们能够在今天宣布新一轮 5 亿英镑股票回购，将年初至今的股东分配提高至 28 亿英镑，同比增长 46%。”

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n Q326 集团 RoTE 为 11.7%（Q325：10.6%），Q326 年初至今集团 RoTE 为 13.8%（Q325 年初至今：12.3%），按计划于 2026 年实现高于 12% \n
\n \n● \n	\n Q326 EPS 为 12.3 便士，同比增长 18%；Q326 年初至今为 43.0 便士，同比增长 23% \n
\n \n● \n	\n 英国贷款同比增长 7%1，其中英国企业银行增长 14% \n
\n\n	\n \n\n- \n	\n 自 2024 年以来，计划约 300 亿英镑的英国风险加权资产（RWAs）增长中已有 280 亿英镑实现2，其中 30 亿英镑在 Q326 实现 \n
\n \n● \n	\n 股票业务表现强劲，Q326 同比增长 47%，反映了此前对 Prime Financing 和 Equity Derivatives 的投资；FICC 业务则受严峻环境影响，同比下降 19% \n
\n \n● \n	\n 美国消费者银行业务持续取得运营进展，合作伙伴信用卡、零售存款以及通过 Best Egg 发放的贷款余额均有所增长 \n
\n \n● \n	\n 通过预期的技术驱动型全职员工（FTE）人数缩减，持续优化成本基础，为业务进一步投资创造能力 \n
\n\n	\n \n\n- \n	\n Q326 结构性成本行动（SCAs）为 2.01 亿英镑（Q325：9300 万英镑），Q426 计划进一步采取约 3 亿英镑的行动3 \n
\n\n	\n \n\n- \n	\n 预计 FY26 集团总成本约为 185 亿英镑，FY27 约为 184 亿英镑 \n
\n \n● \n	\n 资本状况强劲，股东分配增加 \n
\n\n	\n \n\n- \n	\n CET1 比率为 14.2%，并宣布拟启动最高 5 亿英镑的股票回购（Q325：5 亿英镑），年初至今已宣布的股东分配总额达到 28 亿英镑，同比增长 46% \n
\n \n● \n	\n Pillar 2A 要求降低并实施 Basel 3.1 后，资本灵活性有所提升 \n
\n\n	\n \n\n- \n	\n 预计 2027 年 1 月 1 日 RWAs 将增加 80 亿至 150 亿英镑，相当于 CET1 比率下降 30 至 55 个基点 \n
\n\n	\n \n\n- \n	\n 预计 Pillar 2A 要求将降低 59 个基点，使最低可分配金额（MDA）4 要求从 12.2% 降至 11.6% \n

关键财务指标：

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\n	\n RoTE \n	\n EPS \n	\n 成本收入比 \n	\n LLR \n	\n 收入 \n	\n 税前利润 \n	\n 归属利润 \n	\n \n\n每股 TNAV \n	\n \n\nCET1 比率 \n	\n \n\n总资本\n回报5 \n
\n \n\nQ326 \n	\n \n\n11.7% \n	\n \n\n12.3便士 \n	\n \n\n62% \n	\n \n\n43个基点 \n	\n \n\n£7.4bn \n	\n \n\n£2.3bn \n	\n \n\n£1.6bn \n	\n \n\n410便士 \n	\n \n\n14.2% \n	\n \n\n£2.8bn \n
\n \n\nQ326 年初至今 \n	\n \n\n13.8% \n	\n \n\n43.0便士 \n	\n \n\n57% \n	\n \n\n55个基点 \n	\n \n\n£23.9bn \n	\n \n\n£8.4bn \n	\n \n\n£5.8bn \n

\n\nQ326 集团业绩\n要点：

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n集团 RoTE 升至 11.7%（Q325：10.6%），税前利润为 £2.3bn（Q325：£2.1bn） \n
\n \n● \n	\n \n\n集团收入为 £7.4bn，同比增长 3% \n
\n\n	\n \n\n- \n	\n \n\n不包括 Barclays Investment Bank 和 Head Office 的集团净利息收入（NII）为 £3.5bn，同比增长 7%，这得益于结构性对冲收入增加以及贷款业务持续增长 \n
\n\n	\n \n\n- \n	\n \n\n各运营部门的 NII 均实现同比增长 \n
\n \n● \n	\n \n\n集团成本收入比为 62%（Q325：63%），总运营支出为 £4.6bn，同比增长 1% \n
\n\n	\n \n\n- \n	\n \n\n集团运营成本升至 £4.6bn（Q325：£4.3bn），反映业务增长（包括因重大风险承担者（MRT）薪酬结构调整而产生的 £65m）、通胀及进一步增加的投资支出（包括 Q326 的 £201m SCAs，其中 Barclays UK 占 £110m），部分被约 £200m 的成本效率节省所抵消 \n
\n \n● \n	\n \n\n信贷减值费用为 £0.5bn，同比下降 20%，反映 Investment Bank 和 US Consumer Bank 的费用回归正常水平。贷款损失率（LLR）为 43 个基点（Q325：57 个基点） \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n英国贷款增长包括 Barclays UK、UKCB 和 PBWM 的客户贷款及垫款总额增长。 \n
\n \n\n2 \n	\n \n\n代表自 2024 年 1 月以来 Barclays UK、UKCB 和 PBWM 业务增长带来的风险加权资产（RWA），不包括证券化、模型更新及其他方法变更的影响。也不包括与有机增长相关的额外操作风险 RWA。 \n
\n \n\n3 \n	\n \n\n在 H126，预计 H226 的 SCA 最高为 £0.5bn，比通常的年度 SCA 运行率高约 £0.3bn。 \n
\n \n\n4 \n	\n \n\n最大可分配金额。 \n
\n \n\n5 \n	\n \n\nQ326 年初至今总资本回报：包括 Q126 业绩公布时宣布的 £500m 回购、H126 业绩公布时宣布的 £1.0bn 回购和约 £0.8bn 股息，以及 Q326 业绩公布时宣布的 £500m 回购。 \n

\n\nQ326 业务业绩\n要点

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\nBarclays UK RoTE 大致稳定在 21.2%（Q325：21.8%），收入增长 4%，受结构性对冲收入增加推动，而存款保持稳定；成本增长 6%，受 Q326 计入的 £110m SCAs 推动 \n
\n \n● \n	\n \n\nBarclays UK Corporate Bank（UKCB）RoTE 升至 23.5%（Q325：22.8%），收入增长 10%，反映结构性对冲收入增加以及平均存款和贷款余额上升；成本增长 10%，部分原因是 Q325 英国监管征费不再重复发生 \n
\n \n● \n	\n \n\nBarclays Private Bank and Wealth Management（PBWM）RoTE 降至 23.8%（Q325：26.4%）。收入增长 10%，反映客户资产和负债余额同比增长 6%。成本增长 18%，反映持续投资于财富管理业务。 \n
\n \n● \n	\n \n\nBarclays Investment Bank（IB）RoTE 降至 9.5%（Q325：10.1%）。收入增长 1%，减值费用下降，但不足以抵消成本增长 4%；成本增长包括 Q326 的 £57m SCAs、£55m MRT 薪酬结构调整以及平均分配的有形权益增加 \n
\n \n● \n	\n \n\nBarclays US Consumer Bank（USCB）RoTE 降至 10.9%（Q325：13.5%），反映收入大致稳定，成本增长 14%，原因是收购 Best Egg（Q326 是 Best Egg 成本计入的首个完整季度） \n

\n\n集团财务目标与\n指引1：

\n\n2026

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n回报：集团 RoTE 高于\n12% \n
\n \n● \n	\n \n\n资本回报2：\n计划在 2024 至 2026 年间通过股息和股票回购向股东返还至少 £10bn 资本，并继续优先采用回购 \n
\n\n	\n \n\n- \n	\n \n\n与2025年相比逐步增加资本回报总额 \n
\n\n	\n \n\n- \n	\n \n\n每季度宣布股票回购 \n
\n\n	\n \n\n- \n	\n \n\n每半年支付一次股息，包括计划于2026年派发的£2bn股息 \n
\n \n● \n	\n \n\n收入：集团总收入约为£31.5bn \n
\n\n	\n \n\n- \n	\n \n\n剔除投行和总部后的集团净利息收入（NII）超过£13.7bn，Barclays UK净利息收入约处于£8.1bn - £8.3bn指引区间的中点 \n
\n \n● \n	\n \n\n成本：集团成本收入比为高50%区间，总成本约为£18.5bn \n
\n\n	\n \n\n- \n	\n \n\n2026年运行成本约为£18.0bn，不包括高于正常年度运行水平的额外约£0.3bn特殊案件准备金（SCA）、约£0.1bn重大风险承担者（MRT）薪酬组合调整，以及在Q126入账的约£0.1bn汽车金融拨备 \n
\n \n● \n	\n \n\n减值：预计集团贷款损失率（LLR）将处于整个周期50-60bps区间的上沿 \n
\n \n● \n	\n \n\n资本：CET1比率目标区间为13-14% \n
\n\n	\n \n\n- \n	\n \n\n投行风险加权资产（RWA）占集团RWA的比例为50%中段 \n
\n\n	\n \n\n- \n	\n \n\n监管变化对RWA的影响符合我们此前约£19-26bn的指引 \n
\n\n	\n\n	\n \n\n- \n	\n \n\n巴塞尔协议3.1带来约£8-15bn的RWA，预计于1 January 20273实施 \n
\n\n	\n\n	\n\n	\n \n\n- \n	\n \n\n预计实施后第二支柱A（Pillar 2A）CET1要求将降低59bps，使最低可分配金额（MDA）降至11.6% \n
\n\n	\n\n	\n \n\n- \n	\n \n\nUSCB采用内部评级法（IRB）模型将带来约£11bn的RWA，具体取决于投资组合变化和监管批准，预计于H2 2027实施 \n
\n\n	\n\n	\n\n	\n \n\n- \n	\n \n\n预计模型实施后第二支柱A要求变化不大 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n\n2027

\n\n\n\n

\n●

\n\n成本：集团成本约为£18.4bn，Barclays UK成本收入比处于高40%区间

\n\n2028

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n回报：集团有形股东权益回报率（RoTE）超过14% \n
\n \n● \n	\n \n\n资本回报2：计划在2026至2028年间通过股息和股票回购向股东返还超过£15bn资本。这为额外投资和增长提供了空间，超过当前计划中的投资水平 \n
\n \n● \n	\n \n\n收入：2025-2028年复合年增长率（CAGR）超过5% \n
\n \n● \n	\n \n\n成本：集团成本收入比处于低50%区间。成本目标包括2026-2028年总额超过£2bn的毛效率节省 \n
\n \n● \n	\n \n\n减值：预计集团贷款损失率（LLR）在整个周期为50-60bps \n
\n \n● \n	\n \n\n资本：CET1比率目标区间为13-14% \n
\n\n	\n \n\n- \n	\n \n\n投行RWA约占集团RWA的50% \n

\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n目标和指引基于管理层对当前宏观经济环境和业务的预期，可能会发生变化。 \n
\n \n\n2 \n	\n \n\n这项多年计划须经监管机构和董事会批准，并取决于预期财务表现以及我们公布的13-14% CET1比率目标区间。 \n
\n \n\n3 \n	\n \n\n预计交易账簿根本性审查（FRTB）的影响主要在2027年显现。 \n

\n \n\nBarclays集团\n业绩 \n	\n \n\n截至九个月 \n	\n\n	\n \n\n截至三个月 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n变动百分比 \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n变动百分比 \n
\n \nBarclays\n英国 \n	\n \n\n6,866 \n	\n \n\n6,446 \n	\n \n\n7 \n	\n\n	\n \n\n2,349 \n	\n \n\n2,253 \n	\n \n\n4 \n
\n \nBarclays\n英国企业银行 \n	\n \n\n1,661 \n	\n \n\n1,525 \n	\n \n\n9 \n	\n\n	\n \n\n573 \n	\n \n\n522 \n	\n \n\n10 \n
\n \nBarclays\n私人银行与财富管理 \n	\n \n\n1,082 \n	\n \n\n1,032 \n	\n \n\n5 \n	\n\n	\n \n\n369 \n	\n \n\n335 \n	\n \n\n10 \n
\n \nBarclays\n投资银行 \n	\n \n\n11,115 \n	\n \n\n10,263 \n	\n \n\n8 \n	\n\n	\n \n\n3,129 \n	\n \n\n3,083 \n	\n \n\n1 \n
\n \nBarclays\n美国消费者银行 \n	\n \n\n3,047 \n	\n \n\n2,628 \n	\n \n\n16 \n	\n\n	\n \n\n928 \n	\n \n\n941 \n	\n \n\n(1) \n
\n \n总部 \n	\n \n\n95 \n	\n \n\n169 \n	\n \n\n(44) \n	\n\n	\n \n\n17 \n	\n \n\n33 \n	\n \n\n(48) \n
\n \n\n总收入 \n	\n \n\n23,866 \n	\n \n\n22,063 \n	\n \n\n8 \n	\n\n	\n \n\n7,365 \n	\n \n\n7,167 \n	\n \n\n3 \n
\n \n\n运营成本 \n	\n \n\n(13,438) \n	\n \n\n(12,661) \n	\n \n\n(6) \n	\n\n	\n \n\n(4,565) \n	\n \n\n(4,254) \n	\n \n\n(7) \n
\n \n\n英国监管征费 \n	\n \n\n(95) \n	\n \n\n(84) \n	\n \n\n(13) \n	\n\n	\n \n\n(11) \n	\n \n\n12 \n	\n \n\n- \n
\n \n\n诉讼及行为相关项目 \n	\n \n\n(92) \n	\n \n\n(342) \n	\n \n\n73 \n	\n\n	\n \n\n16 \n	\n \n\n(255) \n	\n\n
\n \n\n运营费用总额 \n	\n \n\n(13,625) \n	\n \n\n(13,087) \n	\n \n\n(4) \n	\n\n	\n \n\n(4,560) \n	\n \n\n(4,497) \n	\n \n\n(1) \n
\n \n\n其他净收入 \n	\n \n\n44 \n	\n \n\n48 \n	\n \n\n(8) \n	\n\n	\n \n\n20 \n	\n \n\n39 \n	\n \n\n(49) \n
\n \n\n减值前利润 \n	\n \n\n10,285 \n	\n \n\n9,024 \n	\n \n\n14 \n	\n\n	\n \n\n2,825 \n	\n \n\n2,709 \n	\n \n\n4 \n
\n \n\n信用减值费用 \n	\n \n\n(1,897) \n	\n \n\n(1,744) \n	\n \n\n(9) \n	\n\n	\n \n\n(503) \n	\n \n\n(632) \n	\n \n\n20 \n
\n \n\n税前利润 \n	\n \n\n8,388 \n	\n \n\n7,280 \n	\n \n\n15 \n	\n\n	\n \n\n2,322 \n	\n \n\n2,077 \n	\n \n\n12 \n
\n \n\n税项支出 \n	\n \n\n(1,791) \n	\n \n\n(1,538) \n	\n \n\n(16) \n	\n\n	\n \n\n(422) \n	\n \n\n(365) \n	\n \n\n(16) \n
\n \n\n税后利润 \n	\n \n\n6,597 \n	\n \n\n5,742 \n	\n \n\n15 \n	\n\n	\n \n\n1,900 \n	\n \n\n1,712 \n	\n \n\n11 \n
\n \n\n非控股权益 \n	\n \n\n(19) \n	\n \n\n(23) \n	\n \n\n17 \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n\n
\n \n\n其他权益工具持有人 \n	\n \n\n(741) \n	\n \n\n(739) \n	\n \n\n— \n	\n\n	\n \n\n(254) \n	\n \n\n(255) \n	\n \n\n— \n
\n \n\n应占利润 \n	\n \n\n5,837 \n	\n \n\n4,980 \n	\n \n\n17 \n	\n\n	\n \n\n1,646 \n	\n \n\n1,457 \n	\n \n\n13 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均有形股东权益回报率 \n	\n \n\n13.8% \n	\n \n\n12.3% \n	\n\n	\n\n	\n \n\n11.7% \n	\n \n\n10.6% \n	\n\n
\n \n\n平均有形股东权益（£bn） \n	\n \n\n56.6 \n	\n \n\n54.0 \n	\n\n	\n\n	\n \n\n56.4 \n	\n \n\n55.1 \n	\n\n
\n \n\n成本收入比 \n	\n \n\n57% \n	\n \n\n59% \n	\n\n	\n\n	\n \n\n62% \n	\n \n\n63% \n	\n\n
\n \n\n贷款损失率（bps） \n	\n \n\n55 \n	\n \n\n53 \n	\n\n	\n\n	\n \n\n43 \n	\n \n\n57 \n	\n\n
\n \n\n普通股基本每股收益 \n	\n \n\n43.0p \n	\n \n\n35.1p \n	\n \n\n23 \n	\n\n	\n \n\n12.3p \n	\n \n\n10.4p \n	\n \n\n18 \n
\n \n\n普通股每股股息 \n	\n \n\n5.9p \n	\n \n\n3.0p \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n已宣布股票回购（£m） \n	\n \n\n2,000 \n	\n \n\n1,500 \n	\n \n\n33 \n	\n\n	\n \n\n500 \n	\n \n\n500 \n	\n \n\n— \n
\n \n\n每股总派息等值 \n	\n \n\n约20.7 \n	\n \n\n约13.6p \n	\n \n\n51 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n基本加权平均股数（m） \n	\n \n\n13,571 \n	\n \n\n14,189 \n	\n \n\n(4) \n	\n\n	\n \n\n13,426 \n	\n \n\n14,045 \n	\n \n\n(4) \n
\n \n\n期末股数（m） \n	\n \n\n13,379 \n	\n \n\n13,996 \n	\n \n\n(4) \n	\n\n	\n\n	\n\n	\n\n
\n \n\n期末有形股东权益（£bn） \n	\n \n\n54.8 \n	\n \n\n54.9 \n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\n资产负债表与资本\n管理1 \n	\n \n\n截至30.09.26 \n	\n \n\n截至 31.12.25 \n	\n \n\n截至 30.09.25 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的贷款和垫款总额² \n	\n \n\n459.8 \n	\n \n\n441.3 \n	\n \n\n437.5 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的贷款和垫款 \n	\n \n\n454.5 \n	\n \n\n430.0 \n	\n \n\n426.5 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的贷款和垫款减值覆盖率 \n	\n \n\n1.2% \n	\n \n\n1.2% \n	\n \n\n1.2% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产总额 \n	\n \n\n1,737.6 \n	\n \n\n1,544.2 \n	\n \n\n1,629.2 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的存款 \n	\n \n\n599.3 \n	\n \n\n585.6 \n	\n \n\n575.3 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n每股有形净资产价值 \n	\n \n\n410便士 \n	\n \n\n409便士 \n	\n \n\n392便士 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n普通股一级资本比率 \n	\n \n\n14.2% \n	\n \n\n14.3% \n	\n \n\n14.1% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n普通股一级资本 \n	\n \n\n52.4 \n	\n \n\n51.1 \n	\n \n\n50.3 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n风险加权资产 \n	\n \n\n369.8 \n	\n \n\n356.8 \n	\n \n\n357.4 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n英国杠杆率 \n	\n \n\n4.9% \n	\n \n\n5.1% \n	\n \n\n4.9% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n英国杠杆敞口 \n	\n \n\n1,344.0 \n	\n \n\n1,247.3 \n	\n \n\n1,285.3 \n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n资金与流动性 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n集团流动性资金池（£bn） \n	\n \n\n372.2 \n	\n \n\n337.8 \n	\n \n\n332.9 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n流动性覆盖率 \n	\n \n\n157.0% \n	\n \n\n170.0% \n	\n \n\n174.6% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n净稳定资金比率 \n	\n \n\n135.8% \n	\n \n\n135.2% \n	\n \n\n135.3% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n贷款存款比率 \n	\n \n\n76% \n	\n \n\n73% \n	\n \n\n74% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n客户贷款存款比率³ \n	\n \n\n64% \n	\n \n\n62% \n	\n \n\n62% \n	\n\n	\n\n	\n\n	\n\n

\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n有关资本、风险加权资产和杠杆的计算方法，详见第58至64页。 \n
\n \n\n2 \n	\n \n\n按摊余成本计量的贷款和垫款总额包括：按摊余成本计量的客户及银行贷款和垫款、债务证券，以及重新分类为持有待售的投资组合，均按减值准备前金额计算；该指标是贷款损失率（LLR）的分母。 \n
\n \n\n3 \n	\n \n\n从 Q326 起，新增客户贷款存款比率，计算方法为按摊余成本计量的客户贷款和垫款除以按摊余成本计量的客户存款，以提高与同业的可比性。 \n

\n\n集团财务总监回顾

\n\nQ326 年初至今集团业绩

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\nBarclays 实现税前利润 £8,388m（Q325 年初至今：£7,280m）、RoTE 为 13.8%（Q325 年初至今：12.3%），每股收益为 43.0p（Q325 年初至今：35.1p）。 \n
\n \n● \n	\n \n集团各业务和地区的收入来源多元化。英镑兑美元平均汇率同比升值2%，对收入和利润造成负面影响，并对信贷减值费用和经营开支总额产生正面影响。 \n
\n \n● \n	\n \n集团收入增长8%，达到 £23,866m，原因是结构性对冲持续带来动能、全球市场收入和投资银行手续费收入增加，以及出售 American Airlines 投资组合（AA 投资组合）带来约 £225m 收益；但零售存款动态，以及投资银行业务中公允价值贷款和对冲成本的净亏损抵消了部分增幅。 \n
\n \n● \n	\n \n\n集团经营开支总额增至 £13,625m（Q325 年初至今：£13,087m）。 \n
\n\n	\n \n- \n	\n \n\n集团经营成本增长6%，达到 £13,438m，反映业务增长（包括收入增加带来的绩效成本上升）、通胀和进一步增加的投资支出（包括收购 Best Egg 及更高的 SCAs），部分被约 £550m 的成本效率节省和外汇变动所抵消。 \n
\n\n	\n \n- \n	\n \n\n诉讼和行为相关费用为 £92m（Q325 年初至今：£342m），主要反映 Q126 英国金融行为监管局（FCA）汽车金融补偿计划拨备增加 £105m。Q325 年初至今包括汽车金融补偿费用 £235m。 \n
\n \n● \n	\n \n信贷减值费用增至 £1,897m（Q325 年初至今：£1,744m），主要是由于投资银行业务的单一客户费用同比增加。总覆盖率保持稳定，为1.2%（2025年12月：1.2%）。 \n
\n \n● \n	\n \n\n有效税率（ETR）为21.4%（Q325 年初至今：21.1%）。 \n
\n \n● \n	\n \n\n应占利润为 £5,837m（Q325 年初至今：£4,980m）。 \n
\n \n● \n	\n \n资产总额增至 £1,737.6bn（2025年12月：£1,544.2bn），主要由全球市场交易活动增加、集团贷款增长以及流动性资金池扩大推动。 \n
\n \n● \n	\n \n每股有形净资产价值（TNAV）基本稳定在410p（2025年12月：409p）；每股收益为43.0p，但 Q326 年初至今现金流量对冲储备减少24p，以及股份回购和股息支付的影响净减少15p，部分抵消了这一增幅。 \n

\n\n集团资本与杠杆

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\nCET1 比率基本保持稳定，为 14.2%（2025 年 12 月：14.3%）。考虑到今日宣布的 5 亿英镑股票回购的影响，截至 2026 年 9 月 30 日，CET1 比率将降至 14.0% \n
\n \n● \n	\n \n\n除 Q226 出售美国消费者银行（USCB）AA 投资组合及收购 Best Egg 对 CET1 比率带来的小幅提升外，其他重大变动包括： \n
\n\n	\n \n\n- \n	\n \n\n归属利润带来 150 个基点的增长 \n
\n\n	\n \n\n- \n	\n \n\n股东分配导致下降 108 个基点，其中包括随 FY25 和 Q126 业绩宣布、现已完成的总额 15 亿英镑股票回购，随 Q226 业绩宣布、正在进行的 10 亿英镑股票回购，以及 FY26 股息的计提 \n
\n\n	\n \n\n- \n	\n \n\n剔除外汇变动影响后，风险加权资产（RWA）增加 149 亿英镑，导致比率下降 58 个基点；这主要由英国业务贷款增长和 IB 活动增加推动 \n
\n\n	\n \n\n- \n	\n \n\n货币折算储备增加使 CET1 资本增加 2 亿英镑，但外汇变动导致 RWA 增加 13 亿英镑，抵消了这一影响 \n
\n \n● \n	\n \n\n英国杠杆率降至 4.9%（2025 年 12 月：5.1%），主要原因是杠杆敞口增加 967 亿英镑，达到 1.344 万亿英镑（2025 年 12 月：1.2473 万亿英镑）；一级资本增加 18 亿英镑部分抵消了这一影响。杠杆敞口增加是由全球市场交易活动上升及集团贷款增加推动的 \n

\n\n集团融资与流动性

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n流动性指标仍高于监管要求，这得益于高度多元化的融资来源、稳定的全球存款特许经营业务以及流动性充裕的资产负债表 \n
\n \n● \n	\n \n流动性储备为 3,722 亿英镑，较 2025 年 12 月增加 343 亿英镑。流动性储备增加是由各业务存款增长及批发融资增加推动的 \n
\n \n● \n	\n \n平均值1 流动性覆盖率（LCR）为 157.0%（2025 年 12 月：170.0%），相当于盈余 1,184 亿英镑（2025 年 12 月：1,312 亿英镑） \n
\n \n● \n	\n \n存款总额增至 5,993 亿英镑（2025 年 12 月：5,856 亿英镑），主要由国际企业银行（ICB）增长推动 \n
\n \n● \n	\n \n平均值2 净稳定资金比率（NSFR）为 135.8%（2025 年 12 月：135.2%），比 100% 的监管要求高出 1,735 亿英镑（2025 年 12 月：1,663 亿英镑） \n
\n \n● \n	\n \n未偿批发融资（不包括回购协议）为 2,295 亿英镑（2025 年 12 月：2,201 亿英镑） \n
\n \n● \n	\n \n集团通过 Barclays PLC（母公司）发行了等值 99 亿英镑的最低自有资金及合格负债（MREL）工具，并在 H126 内完成了 2026 年 MREL 目标发行计划。集团的 MREL 头寸稳健，比例为 35.2%，高于 30.5% 的监管要求（不包括任何适用的保密机构特定审慎监管局（PRA）缓冲）。集团仍高于最低资本监管要求及适用缓冲 \n

\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n表示过去 12 个月末时点比率的平均值。 \n
\n \n\n2 \n	\n \n\n表示过去四个季度末时点比率的平均值。 \n

\n\n其他事项

\n\n\n\n

\n●

\n汽车金融佣金\n安排：在 2026 年第一季度，FCA\n公布了面向符合条件的汽车金融客户的行业统一赔偿计划最终规则，适用于贷款机构向经纪人支付佣金的情形。截至 2026 年第三季度（2026 年上半年：£430m），Barclays 持有一项金额为 £430m 的汽车金融拨备。2026 年第三季度，上级法庭在针对 FCA 最终规则的四项法律挑战之后，下令暂停赔偿计划的部分内容。上级法庭将于 2027 年第一季度审理这些法律挑战。这些挑战将推迟赔偿计划的实施，并可能以其他方式影响其实施；不过，FCA 表示愿意考虑，尽管存在此类挑战，企业是否仍可按照其拟议计划，在上级法庭开庭审理前向某些符合条件的客户群体支付赔偿。Barclays 正在考虑这一选项，该选项将纳入其现有拨备估算范围。鉴于这些法律挑战，法律和监管结果以及任何补救行动的性质、范围和时间仍不确定

\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n2026 年第二季度美国消费者银行业务的变化： \n
\n\n	\n \n\n- \n	\n \n\n美国航空联名信用卡组合\n退出：2026 年 4 月 24 日，Barclays\n退出了与美国航空的联名信用卡合作，释放 £3.6bn 的风险加权资产（RWA），并产生约 £225m 的出售收益 \n
\n\n	\n \n\n- \n	\n \n\n收购 Best Egg：2026 年 5 月 1 日，Barclays 以约 £0.6bn¹ 完成对 Best Egg 的收购，\n其中约 £0.5bn 为商誉和无形资产，约 £0.1bn 为净金融资产。Best Egg 是一家领先的美国直面消费者个人贷款发放平台，专注于优质借款人 \n

\n\n\n\n

\n●

\n收购 GoHenry：\n2026 年 10 月 1 日，Barclays Bank UK\nPLC 完成了对 GoHenry 的收购。GoHenry 是一个面向英国儿童和年轻人的资金管理平台。预计该交易将使集团 CET1\n比率略微下降

\n\n\n\n

\n●

\nOne Churchill Place：\n2026 年 6 月 30 日，Barclays 宣布已收购其位于伦敦 One Churchill Place 全球总部的 999 年租赁权益。该交易巩固了 Barclays 对其全球总部的控制，同时提高了长期占用成本的确定性。所收购租赁权益的交易估值为 £750m，对集团 CET1 比率和收益总体上没有影响

\n\n集团财务总监 Anna Cross

\n\n\n\n

\n\n1

\n\n须进行惯常的交割后购买价格调整。

\n\n业务\n业绩

\n \n\nBarclays UK \n	\n \n\n九个月期间 \n	\n\n	\n \n\n三个月期间 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n% 变动 \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n% 变动 \n
\n \n\n净利息收入 \n	\n \n\n6,059 \n	\n \n\n5,638 \n	\n \n\n7 \n	\n\n	\n \n\n2,073 \n	\n \n\n1,961 \n	\n \n\n6 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n807 \n	\n \n\n808 \n	\n \n\n— \n	\n\n	\n \n\n276 \n	\n \n\n292 \n	\n \n\n(5) \n
\n \n\n总收入 \n	\n \n\n6,866 \n	\n \n\n6,446 \n	\n \n\n7 \n	\n\n	\n \n\n2,349 \n	\n \n\n2,253 \n	\n \n\n4 \n
\n \n\n运营成本 \n	\n \n\n(3,642) \n	\n \n\n(3,472) \n	\n \n\n(5) \n	\n\n	\n \n\n(1,274) \n	\n \n\n(1,189) \n	\n \n\n(7) \n
\n \n\n英国监管征费 \n	\n \n\n(49) \n	\n \n\n(44) \n	\n \n\n(11) \n	\n\n	\n \n\n(5) \n	\n \n\n(1) \n	\n\n
\n \n\n诉讼及行为相关事项 \n	\n \n\n8 \n	\n \n\n(37) \n	\n\n	\n\n	\n \n\n8 \n	\n \n\n(8) \n	\n\n
\n \n\n运营支出总额 \n	\n \n\n(3,683) \n	\n \n\n(3,553) \n	\n \n\n(4) \n	\n\n	\n \n\n(1,271) \n	\n \n\n(1,198) \n	\n \n\n(6) \n
\n 其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n
\n 减值前利润 \n	\n \n\n3,183 \n	\n \n\n2,893 \n	\n \n\n10 \n	\n\n	\n \n\n1,078 \n	\n \n\n1,055 \n	\n \n\n2 \n
\n 信贷减值费用 \n	\n \n\n(461) \n	\n \n\n(339) \n	\n \n\n(36) \n	\n\n	\n \n\n(123) \n	\n \n\n(102) \n	\n \n\n(21) \n
\n 税前利润 \n	\n \n\n2,722 \n	\n \n\n2,554 \n	\n \n\n7 \n	\n\n	\n \n\n955 \n	\n \n\n953 \n	\n \n\n— \n
\n 应占利润 \n	\n \n\n1,880 \n	\n \n\n1,737 \n	\n \n\n8 \n	\n\n	\n \n\n666 \n	\n \n\n647 \n	\n \n\n3 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 平均分配有形权益回报率 \n	\n \n\n20.4% \n	\n \n\n19.6% \n	\n\n	\n\n	\n \n\n21.2% \n	\n \n\n21.8% \n	\n\n
\n 平均分配有形权益（£bn） \n	\n \n\n12.3 \n	\n \n\n11.8 \n	\n\n	\n\n	\n \n\n12.6 \n	\n \n\n11.9 \n	\n\n
\n 成本收入比 \n	\n \n\n54% \n	\n \n\n55% \n	\n\n	\n\n	\n \n\n54% \n	\n \n\n53% \n	\n\n
\n 贷款损失率（bps） \n	\n \n\n25 \n	\n \n\n20 \n	\n\n	\n\n	\n \n\n20 \n	\n \n\n18 \n	\n\n
\n 净利差 \n	\n \n\n3.70% \n	\n \n\n3.59% \n	\n\n	\n\n	\n \n\n3.69% \n	\n \n\n3.68% \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n 截至 30.09.26 \n	\n 截至 31.12.25 \n	\n 截至 30.09.25 \n	\n\n	\n\n	\n\n	\n\n
\n 资产负债表信息 \n	\n £bn \n	\n £bn \n	\n £bn \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的贷款及垫款总额1 \n	\n \n\n243.3 \n	\n \n\n231.9 \n	\n \n\n230.9 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的客户贷款及垫款 \n	\n \n\n225.3 \n	\n \n\n216.5 \n	\n \n\n213.4 \n	\n\n	\n\n	\n\n	\n\n
\n 总资产 \n	\n \n\n306.6 \n	\n \n\n299.6 \n	\n \n\n300.2 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的客户存款 \n	\n \n\n246.1 \n	\n \n\n244.6 \n	\n \n\n241.5 \n	\n\n	\n\n	\n\n	\n\n
\n 贷款存款比 \n	\n \n\n98% \n	\n \n\n94% \n	\n \n\n95% \n	\n\n	\n\n	\n\n	\n\n
\n 客户贷款存款比2 \n	\n \n\n92% \n	\n \n\n89% \n	\n \n\n88% \n	\n\n	\n\n	\n\n	\n\n
\n 风险加权资产 \n	\n \n\n90.6 \n	\n \n\n85.8 \n	\n \n\n86.7 \n	\n\n	\n\n	\n\n	\n\n
\n 期末分配有形权益 \n	\n \n\n12.6 \n	\n \n\n11.8 \n	\n \n\n11.9 \n	\n\n	\n\n	\n\n	\n\n

\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n按摊余成本计量的贷款和垫款总额包括：按摊余成本计量的客户和银行贷款及垫款、债务证券，以及重新分类为持有待售的投资组合，均为扣除减值准备前的金额；该指标用作 LLR 指标的分母。 \n
\n \n\n2 \n	\n \n\n自 Q326 起，引入客户贷款存款比率，计算方式为按摊余成本计量的客户贷款和垫款除以按摊余成本计量的客户存款，以提高与同业的可比性。 \n

\n \n\nBarclays UK 分析 \n	\n \n\n截至九个月 \n	\n\n	\n \n\n截至三个月 \n
\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n \n\n总收入分析 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n变动 % \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n变动 % \n
\n \n\n零售银行 \n	\n \n\n5,221 \n	\n \n\n4,880 \n	\n \n\n7 \n	\n\n	\n \n\n1,785 \n	\n \n\n1,708 \n	\n \n\n5 \n
\n \n\n商业银行 \n	\n \n\n1,645 \n	\n \n\n1,566 \n	\n \n\n5 \n	\n\n	\n \n\n564 \n	\n \n\n545 \n	\n \n\n3 \n
\n \n\n总收入 \n	\n \n\n6,866 \n	\n \n\n6,446 \n	\n \n\n7 \n	\n\n	\n \n\n2,349 \n	\n \n\n2,253 \n	\n \n\n4 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n信贷减值（费用）/转回分析 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n零售银行 \n	\n \n\n(479) \n	\n \n\n(302) \n	\n \n\n(59) \n	\n\n	\n \n\n(135) \n	\n \n\n(98) \n	\n \n\n(38) \n
\n \n\n商业银行 \n	\n \n\n18 \n	\n \n\n(37) \n	\n\n	\n\n	\n \n\n12 \n	\n \n\n(4) \n	\n\n
\n \n\n信贷减值费用总额 \n	\n \n\n(461) \n	\n \n\n(339) \n	\n \n\n(36) \n	\n\n	\n \n\n(123) \n	\n \n\n(102) \n	\n \n\n(21) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n截至 30.09.26 \n	\n \n\n截至 31.12.25 \n	\n \n\n截至 30.09.25 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户贷款和垫款分析 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n\n	\n\n	\n\n
\n \n\n零售银行 \n	\n \n\n207.7 \n	\n \n\n198.6 \n	\n \n\n195.2 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n商业银行 \n	\n \n\n17.6 \n	\n \n\n17.9 \n	\n \n\n18.2 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户贷款和垫款总额 \n	\n \n\n225.3 \n	\n \n\n216.5 \n	\n \n\n213.4 \n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户存款分析 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n零售银行 \n	\n \n\n195.2 \n	\n \n\n192.7 \n	\n \n\n189.3 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n商业银行 \n	\n \n\n50.9 \n	\n \n\n51.9 \n	\n \n\n52.2 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户存款总额 \n	\n \n\n246.1 \n	\n \n\n244.6 \n	\n \n\n241.5 \n	\n\n	\n\n	\n\n	\n\n

\n\nBarclays UK

\n\n英国零售银行部门，深受超过 2000 万客户信赖。包括服务年收入低于 £6.5m 的中小企业（SME）的商业银行业务。主要业务动态包括：

\n\n\n\n\n\n\n

\n \n● \n	\n \n\n于 2026 年 10 月 1 日完成对 GoHenry 的收购，进一步提升我们通过资金管理和金融教育服务支持儿童、青少年及家庭的能力 \n
\n \n● \n	\n \n\n于 Q326 推出全新的 Barclays Mobile Banking 应用，为客户带来更加个性化的数字银行体验，并满足其广泛的银行业务需求 \n

\n\nBarclays UK 的 RoTE 达到 20.4%（Q325 年初至今：19.6%），得益于稳定的存款带来稳健收入，并以强劲的资产质量为支撑。

\n\n损益表——Q326 年初至今对比 Q325 年初至今

\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n税前利润增长 7%，达到 £2,722m \n
\n \n● \n	\n \n\n总收入增长 7%，达到 £6,866m。净利息收入增长 7%，达到 £6,059m；结构性对冲收入增加和贷款增长的影响，部分被零售存款动态及按揭利润率收窄所抵消。净手续费、佣金及其他收入保持稳定，为 £807m \n
\n \n● \n	\n \n\n总运营费用增长 4%，达到 £3,683m，主要由年初至今计入的 £158m SCAs 及通胀推动。持续的效率节省继续用于再投资，以推动成本收入比实现可持续改善 \n
\n \n● \n	\n \n\n信贷减值费用为 £461m（Q325 年初至今：£339m），反映基础信贷表现稳定。总费用高于 Q325 年初至今，后者受益于零售信用卡组合的重新校准调整，该调整反映了客户行为的韧性。零售信用卡 30 天和 90 天逾期率分别为 0.9%（Q325：0.7%）和 0.3%（Q325：0.2%）。零售信用卡总覆盖率为 4.3%（2025 年 12 月：4.3%） \n

\n\n资产负债表——2026 年 9 月 30 日对比 2025 年 12 月 31 日

\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n按摊余成本计量的客户贷款和垫款增加 £8.8bn，达到 £225.3bn，主要由按揭贷款增长推动，部分被证券化的影响抵消 \n
\n \n● \n	\n \n\n按摊余成本计量的客户存款增加 £1.5bn，达到 £246.1bn，原因是零售银行存款增加。客户贷款存款比率¹升至 92%（2025 年 12 月：89%） \n
\n \n● \n	\n \n\n风险加权资产增至 £90.6bn（2025 年 12 月：£85.8bn），主要由于按揭贷款增长，部分被信贷风险资产证券化抵消 \n

\n\n\n\n

\n\n1

\n\n自Q326起，引入了客户贷款存款比率，其计算方法为按摊余成本计量的客户贷款和垫款除以按摊余成本计量的客户存款，以提高与同业的可比性。

\n \n\n巴克莱英国企业银行 \n	\n \n\n截至九个月 \n	\n\n	\n \n\n截至三个月 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n \n\n损益表信息 \n	\n \n\n百万英镑 \n	\n \n\n百万英镑 \n	\n \n\n变动百分比 \n	\n\n	\n \n\n百万英镑 \n	\n \n\n百万英镑 \n	\n \n\n变动百分比 \n
\n \n\n净利息收入 \n	\n \n\n1,244 \n	\n \n\n1,084 \n	\n \n\n15 \n	\n\n	\n \n\n437 \n	\n \n\n383 \n	\n \n\n14 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n417 \n	\n \n\n441 \n	\n \n\n(5) \n	\n\n	\n \n\n136 \n	\n \n\n139 \n	\n \n\n(2) \n
\n \n\n总收入 \n	\n \n\n1,661 \n	\n \n\n1,525 \n	\n \n\n9 \n	\n\n	\n \n\n573 \n	\n \n\n522 \n	\n \n\n10 \n
\n \n\n运营成本 \n	\n \n\n(744) \n	\n \n\n(717) \n	\n \n\n(4) \n	\n\n	\n \n\n(256) \n	\n \n\n(243) \n	\n \n\n(5) \n
\n \n\n英国监管征费 \n	\n \n\n(17) \n	\n \n\n(15) \n	\n \n\n(13) \n	\n\n	\n \n\n(2) \n	\n \n\n9 \n	\n\n
\n \n\n诉讼及行为相关事项 \n	\n \n\n— \n	\n \n\n(39) \n	\n\n	\n\n	\n \n\n— \n	\n \n\n— \n	\n\n
\n \n\n运营费用总额 \n	\n \n\n(761) \n	\n \n\n(771) \n	\n \n\n1 \n	\n\n	\n \n\n(258) \n	\n \n\n(234) \n	\n \n\n(10) \n
\n \n\n其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n
\n \n\n减值前利润 \n	\n \n\n900 \n	\n \n\n754 \n	\n \n\n19 \n	\n\n	\n \n\n315 \n	\n \n\n288 \n	\n \n\n9 \n
\n \n\n信贷减值费用 \n	\n \n\n(21) \n	\n \n\n(36) \n	\n \n\n42 \n	\n\n	\n \n\n(2) \n	\n \n\n(5) \n	\n \n\n60 \n
\n \n\n税前利润 \n	\n \n\n879 \n	\n \n\n718 \n	\n \n\n22 \n	\n\n	\n \n\n313 \n	\n \n\n283 \n	\n \n\n11 \n
\n \n\n应占利润 \n	\n \n\n606 \n	\n \n\n480 \n	\n \n\n26 \n	\n\n	\n \n\n218 \n	\n \n\n196 \n	\n \n\n11 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均分配有形权益回报率 \n	\n \n\n21.6% \n	\n \n\n18.8% \n	\n\n	\n\n	\n \n\n23.5% \n	\n \n\n22.8% \n	\n\n
\n \n\n平均分配有形权益（十亿英镑） \n	\n \n\n3.7 \n	\n \n\n3.4 \n	\n\n	\n\n	\n \n\n3.7 \n	\n \n\n3.4 \n	\n\n
\n \n\n成本收入比 \n	\n \n\n46% \n	\n \n\n51% \n	\n\n	\n\n	\n \n\n45% \n	\n \n\n45% \n	\n\n
\n \n\n贷款损失率（基点） \n	\n \n\n8 \n	\n \n\n16 \n	\n\n	\n\n	\n \n\n2 \n	\n \n\n7 \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n截至2026年9月30日 \n	\n \n\n截至2025年12月31日 \n	\n \n\n截至2025年9月30日 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n十亿英镑 \n	\n \n\n十亿英镑 \n	\n \n\n十亿英镑 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的贷款和垫款总额1 \n	\n \n\n33.2 \n	\n \n\n30.2 \n	\n \n\n29.2 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户贷款和垫款 \n	\n \n\n33.0 \n	\n \n\n30.0 \n	\n \n\n29.0 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的存款 \n	\n \n\n87.2 \n	\n \n\n88.7 \n	\n \n\n86.7 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n客户贷款存款比率2 \n	\n \n\n38% \n	\n \n\n34% \n	\n \n\n33% \n	\n\n	\n\n	\n\n	\n\n
\n \n\n风险加权资产 \n	\n \n\n27.5 \n	\n \n\n26.5 \n	\n \n\n25.2 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n期末分配有形权益 \n	\n \n\n3.8 \n	\n \n\n3.7 \n	\n \n\n3.4 \n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n截至九个月 \n	\n\n	\n \n\n截至三个月 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n \n\n总收入分析 \n	\n \n\n百万英镑 \n	\n \n\n百万英镑 \n	\n \n\n变动百分比 \n	\n\n	\n \n\n百万英镑 \n	\n \n\n百万英镑 \n	\n \n\n变动百分比 \n
\n \n\n企业贷款 \n	\n \n\n276 \n	\n \n\n260 \n	\n \n\n6 \n	\n\n	\n \n\n91 \n	\n \n\n90 \n	\n \n\n1 \n
\n \n\n交易银行业务 \n	\n \n\n1,385 \n	\n \n\n1,265 \n	\n \n\n9 \n	\n\n	\n \n\n482 \n	\n \n\n432 \n	\n \n\n12 \n
\n \n\n总收入 \n	\n \n\n1,661 \n	\n \n\n1,525 \n	\n \n\n9 \n	\n\n	\n \n\n573 \n	\n \n\n522 \n	\n \n\n10 \n

\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n按摊余成本计量的贷款和垫款总额包括：按摊余成本计量的客户和银行贷款及垫款、债务证券，以及重新分类为持有待售的投资组合，均为扣除减值准备前金额；该指标是贷款损失率（LLR）的分母。 \n
\n \n\n2 \n	\n \n\n自Q326起，引入了客户贷款存款比率，其计算方法为按摊余成本计量的客户贷款和垫款除以按摊余成本计量的客户存款，以提高与同业的可比性。 \n

\n\n巴克莱英国企业银行

\n\nUKCB为年收入超过£6.5m的客户提供企业贷款和交易银行服务，客户范围涵盖至FTSE 350公司。作为约13,000名客户的可信赖银行合作伙伴1，客户关系平均持续19年1。\n业务重点包括：

\n\n\n\n

\n●

\n\n已完成向所有客户推广iPortal，使客户能够通过单一数字平台更便捷地使用巴克莱的银行服务。使用率达到约45%，预计年底前达到100%，从而推动客户更广泛地使用巴克莱的贷款、交易银行和风险管理服务

\n\nUKCB的RoTE为21.6%（Q325年初至今：18.8%），反映出平均存款和贷款余额上升带来的收入增加，以及积极的经营杠杆。

\n\n损益表——Q326年初至今与Q325年初至今相比

\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n税前利润增长22%，达到£879m \n
\n \n● \n	\n \n总收入增长9%，达到£1,661m；净利息收入增长15%，达到£1,244m，得益于结构性对冲收入以及平均存款和贷款余额增加。\n净手续费、佣金及其他收入下降5%，至£417m，原因是流动性资金池收入减少 \n
\n \n● \n	\n \n运营费用总额下降1%，至£761m，反映出上年诉讼及行为相关费用不再重复发生；部分被支持业务增长和效率战略的投资支出增加所抵消，持续的效率节省抵消了通胀压力 \n
\n \n● \n	\n \n信贷减值费用为£21m（Q325年初至今：£36m），反映出基础信贷表现稳定 \n

\n\n资产负债表——2026年9月30日与2025年12月31日相比

\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n按摊余成本计量的客户贷款和垫款增至£33.0bn（2025年12月：£30.0bn），反映出我们持续落实贷款增长战略 \n
\n \n● \n	\n 按摊余成本计量的存款降至£87.2bn（2025年12月：£88.7bn），主要反映企业流动性环境 \n
\n \n● \n	\n \n风险加权资产增至£27.5bn（2025年12月：£26.5bn），反映客户贷款额度提高及贷款余额增长 \n

\n\n\n\n

\n\n1

\n截至2026年8月31日

\n 巴克莱私人银行与财富管理 \n	\n 九个月\n截至 \n	\n\n	\n 三个月截至 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n 损益表信息 \n	\n £m \n	\n £m \n	\n 变化% \n	\n\n	\n £m \n	\n £m \n	\n 变化% \n
\n 净利息收入 \n	\n \n\n643 \n	\n \n\n597 \n	\n \n\n8 \n	\n\n	\n \n\n223 \n	\n \n\n190 \n	\n \n\n17 \n
\n 净手续费、佣金及其他收入 \n	\n \n\n439 \n	\n \n\n435 \n	\n \n\n1 \n	\n\n	\n \n\n146 \n	\n \n\n145 \n	\n \n\n1 \n
\n 总收入 \n	\n \n\n1,082 \n	\n \n\n1,032 \n	\n \n\n5 \n	\n\n	\n \n\n369 \n	\n \n\n335 \n	\n \n\n10 \n
\n 运营成本 \n	\n \n\n(810) \n	\n \n\n(715) \n	\n \n\n(13) \n	\n\n	\n \n\n(289) \n	\n \n\n(243) \n	\n \n\n(19) \n
\n 英国监管征费 \n	\n \n\n(4) \n	\n \n\n(3) \n	\n \n\n(33) \n	\n\n	\n \n\n(1) \n	\n \n\n(1) \n	\n\n
\n 诉讼及行为相关事项 \n	\n \n\n4 \n	\n \n\n1 \n	\n\n	\n\n	\n \n\n4 \n	\n \n\n1 \n	\n\n
\n 运营支出总额 \n	\n \n\n(810) \n	\n \n\n(717) \n	\n \n\n(13) \n	\n\n	\n \n\n(286) \n	\n \n\n(243) \n	\n \n\n(18) \n
\n 其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n
\n 减值前利润 \n	\n \n\n272 \n	\n \n\n315 \n	\n \n\n(14) \n	\n\n	\n \n\n83 \n	\n \n\n92 \n	\n \n\n(10) \n
\n 信贷减值（支出）/转回 \n	\n \n\n(8) \n	\n \n\n10 \n	\n\n	\n\n	\n \n\n(5) \n	\n \n\n(1) \n	\n\n
\n 税前利润 \n	\n \n\n264 \n	\n \n\n325 \n	\n \n\n(19) \n	\n\n	\n \n\n78 \n	\n \n\n91 \n	\n \n\n(14) \n
\n 应占利润 \n	\n \n\n216 \n	\n \n\n256 \n	\n \n\n(16) \n	\n\n	\n \n\n68 \n	\n \n\n72 \n	\n \n\n(6) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 平均分配有形权益回报率 \n	\n \n\n25.4% \n	\n \n\n30.9% \n	\n\n	\n\n	\n \n\n23.8% \n	\n \n\n26.4% \n	\n\n
\n 平均分配有形权益（£bn） \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n\n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n
\n 成本收入比 \n	\n \n\n75% \n	\n \n\n69% \n	\n\n	\n\n	\n \n\n78% \n	\n \n\n73% \n	\n\n
\n 贷款损失率（基点） \n	\n \n\n7 \n	\n \n\n(9) \n	\n\n	\n\n	\n \n\n12 \n	\n \n\n3 \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 关键数据 \n	\n £bn \n	\n £bn \n	\n\n	\n\n	\n £bn \n	\n £bn \n	\n\n
\n 管理资产净新增额¹ \n	\n \n\n2.5 \n	\n \n\n2.6 \n	\n\n	\n\n	\n \n\n0.6 \n	\n \n\n0.7 \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n 截至30.09.26 \n	\n 截至31.12.25 \n	\n 截至30.09.25 \n	\n\n	\n\n	\n\n	\n\n
\n 资产负债表信息 \n	\n £bn \n	\n £bn \n	\n £bn \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的贷款及垫款总额² \n	\n \n\n16.4 \n	\n \n\n15.1 \n	\n \n\n15.2 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的客户贷款及垫款 \n	\n \n\n16.1 \n	\n \n\n14.7 \n	\n \n\n14.9 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的存款 \n	\n \n\n74.4 \n	\n \n\n72.0 \n	\n \n\n70.6 \n	\n\n	\n\n	\n\n	\n\n
\n 风险加权资产 \n	\n \n\n8.1 \n	\n \n\n8.0 \n	\n \n\n7.9 \n	\n\n	\n\n	\n\n	\n\n
\n 期末分配有形权益 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 投资资产³ \n	\n \n\n143.2 \n	\n \n\n140.6 \n	\n \n\n135.7 \n	\n\n	\n\n	\n\n	\n\n
\n 其中： \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 管理资产¹ \n	\n \n\n56.5 \n	\n \n\n52.9 \n	\n \n\n51.3 \n	\n\n	\n\n	\n\n	\n\n
\n 监督资产¹ \n	\n \n\n86.7 \n	\n \n\n87.7 \n	\n \n\n84.4 \n	\n\n	\n\n	\n\n	\n\n
\n 客户资产及负债⁴ \n	\n \n\n234.0 \n	\n \n\n227.6 \n	\n \n\n221.5 \n	\n\n	\n\n	\n\n	\n\n

\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n 更多关于管理资产净新增额、管理资产和监督资产的信息，请参阅第47页。 \n
\n \n\n2 \n	\n 按摊余成本计量的贷款及垫款总额包括：按摊余成本计量的客户及银行贷款和垫款、债务证券，以及重新分类为持有待售的组合，均按减值准备前金额列示；该数值用作贷款损失率指标的分母。 \n
\n \n\n3 \n	\n 投资资产（表外持有）指管理资产和监督资产。投资授权项下持有并计入存款的未投资现金不计入投资资产。 \n
\n \n\n4 \n	\n 客户资产及负债指存款、贷款和投资资产。 \n

巴克莱私人银行与财富管理

通过成熟品牌提供全面的私人银行服务，为英国各财富层级的客户以及英国、欧洲、中东和亚洲财富走廊的国际客户提供服务。业务重点更新包括：

\n\n\n\n\n\n\n

\n \n● \n	\n 于Q326在新加坡开设簿记中心，将本地簿记能力与巴克莱全球服务相结合，涵盖私人银行、贷款、投资和财富规划 \n
\n \n● \n	\n 于Q226推出规划与咨询服务，并取消直接投资客户费用，体现了持续提升客户服务并支持长期增长的重点 \n

PBWM实现25.4%的RoTE（Q325年初至今：30.9%），反映出为支持未来增长和效率战略而持续投资带来的成本上升，以及减值费用增加。

损益表——Q326年初至今与Q325年初至今相比

\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n 税前利润下降19%，至£264m \n
\n \n● \n	\n 总收入增长5%，至£1,082m；存款余额增长带动净利息收入上升，但部分被存款结构变化抵消；管理资产增长及客户交易活动增加，带动净手续费、佣金及其他收入上升 \n
\n \n● \n	\n 运营支出总额增长13%，至£810m，反映出为支持业务增长和效率战略而持续投资，以及通胀压力；效率节省部分抵消了上述影响 \n

资产负债表——2026年9月30日与2025年12月31日相比

\n\n\n\n\n\n\n

\n \n● \n	\n 客户资产和负债增加64亿英镑，达到2340亿英镑，主要受存款、贷款和投资资产净流入及市场波动推动，部分被不利的外汇影响抵消 \n
\n \n● \n	\n 风险加权资产稳定在81亿英镑（2025年12月：80亿英镑） \n

\n 巴克莱投资银行 \n	\n 九个月期间 \n	\n\n	\n 三个月期间 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n 损益表信息 \n	\n 百万英镑 \n	\n 百万英镑 \n	\n 变动百分比 \n	\n\n	\n 百万英镑 \n	\n 百万英镑 \n	\n 变动百分比 \n
\n 净利息收入 \n	\n \n\n1,187 \n	\n \n\n978 \n	\n \n\n21 \n	\n\n	\n \n\n393 \n	\n \n\n347 \n	\n \n\n13 \n
\n 净交易收入 \n	\n \n\n6,209 \n	\n \n\n5,903 \n	\n \n\n5 \n	\n\n	\n \n\n1,580 \n	\n \n\n1,581 \n	\n \n\n— \n
\n 净手续费、佣金及其他收入 \n	\n \n\n3,719 \n	\n \n\n3,382 \n	\n \n\n10 \n	\n\n	\n \n\n1,156 \n	\n \n\n1,155 \n	\n \n\n— \n
\n 总收入 \n	\n \n\n11,115 \n	\n \n\n10,263 \n	\n \n\n8 \n	\n\n	\n \n\n3,129 \n	\n \n\n3,083 \n	\n \n\n1 \n
\n 运营成本 \n	\n \n\n(6,389) \n	\n \n\n(6,003) \n	\n \n\n(6) \n	\n\n	\n \n\n(2,083) \n	\n \n\n(2,010) \n	\n \n\n(4) \n
\n 英国监管征费 \n	\n \n\n(25) \n	\n \n\n(22) \n	\n \n\n(14) \n	\n\n	\n \n\n(3) \n	\n \n\n5 \n	\n\n
\n 诉讼及行为相关费用 \n	\n \n\n2 \n	\n \n\n(20) \n	\n\n	\n\n	\n \n\n— \n	\n \n\n(9) \n	\n\n
\n 运营费用总额 \n	\n \n\n(6,412) \n	\n \n\n(6,045) \n	\n \n\n(6) \n	\n\n	\n \n\n(2,086) \n	\n \n\n(2,014) \n	\n \n\n(4) \n
\n 其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n
\n 减值前利润 \n	\n \n\n4,703 \n	\n \n\n4,218 \n	\n \n\n11 \n	\n\n	\n \n\n1,043 \n	\n \n\n1,069 \n	\n \n\n(2) \n
\n 信贷减值费用 \n	\n \n\n(356) \n	\n \n\n(283) \n	\n \n\n(26) \n	\n\n	\n \n\n(33) \n	\n \n\n(144) \n	\n \n\n77 \n
\n 税前利润 \n	\n \n\n4,347 \n	\n \n\n3,935 \n	\n \n\n10 \n	\n\n	\n \n\n1,010 \n	\n \n\n925 \n	\n \n\n9 \n
\n 应占利润 \n	\n \n\n3,035 \n	\n \n\n2,798 \n	\n \n\n8 \n	\n\n	\n \n\n720 \n	\n \n\n723 \n	\n \n\n— \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 平均分配有形权益回报率 \n	\n \n\n13.5% \n	\n \n\n12.9% \n	\n\n	\n\n	\n \n\n9.5% \n	\n \n\n10.1% \n	\n\n
\n 平均分配有形权益（十亿英镑） \n	\n \n\n30.0 \n	\n \n\n29.0 \n	\n\n	\n\n	\n \n\n30.4 \n	\n \n\n28.6 \n	\n\n
\n 收入与平均风险加权资产之比 \n	\n \n\n7.3% \n	\n \n\n6.9% \n	\n\n	\n\n	\n \n\n6.1% \n	\n \n\n6.3% \n	\n\n
\n 成本收入比 \n	\n \n\n58% \n	\n \n\n59% \n	\n\n	\n\n	\n \n\n67% \n	\n \n\n65% \n	\n\n
\n 贷款损失率（基点） \n	\n \n\n34 \n	\n \n\n29 \n	\n\n	\n\n	\n \n\n9 \n	\n \n\n44 \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n 截至2026年9月30日 \n	\n 截至2025年12月31日 \n	\n 截至2025年9月30日 \n	\n\n	\n\n	\n\n	\n\n
\n 资产负债表信息 \n	\n 十亿英镑 \n	\n 十亿英镑 \n	\n 十亿英镑 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的贷款和垫款总额1 \n	\n \n\n139.6 \n	\n \n\n131.0 \n	\n \n\n129.8 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的客户贷款和垫款 \n	\n \n\n76.4 \n	\n \n\n70.0 \n	\n \n\n68.6 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的银行贷款和垫款 \n	\n \n\n9.7 \n	\n \n\n7.4 \n	\n \n\n7.5 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的债务证券 \n	\n \n\n52.8 \n	\n \n\n52.9 \n	\n \n\n53.0 \n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的贷款和垫款 \n	\n \n\n138.9 \n	\n \n\n130.3 \n	\n \n\n129.1 \n	\n\n	\n\n	\n\n	\n\n
\n 交易组合资产 \n	\n \n\n212.8 \n	\n \n\n189.5 \n	\n \n\n191.3 \n	\n\n	\n\n	\n\n	\n\n
\n 以公允价值计量且其变动计入损益的金融资产 \n	\n \n\n198.7 \n	\n \n\n183.6 \n	\n \n\n263.8 \n	\n\n	\n\n	\n\n	\n\n
\n 衍生金融工具资产 \n	\n \n\n308.0 \n	\n \n\n251.5 \n	\n \n\n222.8 \n	\n\n	\n\n	\n\n	\n\n
\n 现金抵押品及结算余额 \n	\n \n\n172.2 \n	\n \n\n121.6 \n	\n \n\n152.1 \n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 按摊余成本计量的存款 \n	\n \n\n166.4 \n	\n \n\n156.1 \n	\n \n\n152.8 \n	\n\n	\n\n	\n\n	\n\n
\n 衍生金融工具负债 \n	\n \n\n298.2 \n	\n \n\n240.6 \n	\n \n\n252.0 \n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n 风险加权资产 \n	\n \n\n206.1 \n	\n \n\n196.7 \n	\n \n\n199.1 \n	\n\n	\n\n	\n\n	\n\n
\n 期末分配有形权益 \n	\n \n\n30.1 \n	\n \n\n28.9 \n	\n \n\n29.1 \n	\n\n	\n\n	\n\n	\n\n

\n\n	\n 九个月期间 \n	\n\n	\n 三个月期间 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n 总收入分析 \n	\n 百万英镑 \n	\n 百万英镑 \n	\n 变动百分比 \n	\n\n	\n 百万英镑 \n	\n 百万英镑 \n	\n 变动百分比 \n
\n 固定收益、外汇及大宗商品 \n	\n \n\n4,199 \n	\n \n\n4,405 \n	\n \n\n(5) \n	\n\n	\n \n\n1,012 \n	\n \n\n1,256 \n	\n \n\n(19) \n
\n 股票 \n	\n \n\n3,387 \n	\n \n\n2,522 \n	\n \n\n34 \n	\n\n	\n \n\n1,010 \n	\n \n\n689 \n	\n \n\n47 \n
\n 全球市场 \n	\n \n\n7,586 \n	\n \n\n6,927 \n	\n \n\n10 \n	\n\n	\n \n\n2,022 \n	\n \n\n1,945 \n	\n \n\n4 \n
\n 咨询服务 \n	\n \n\n665 \n	\n \n\n462 \n	\n \n\n44 \n	\n\n	\n \n\n222 \n	\n \n\n196 \n	\n \n\n13 \n
\n 股票资本市场 \n	\n \n\n336 \n	\n \n\n222 \n	\n \n\n51 \n	\n\n	\n \n\n87 \n	\n \n\n71 \n	\n \n\n23 \n
\n 债务资本市场 \n	\n \n\n1,156 \n	\n \n\n1,174 \n	\n \n\n(2) \n	\n\n	\n \n\n347 \n	\n \n\n379 \n	\n \n\n(8) \n
\n 银行手续费及承销收入 \n	\n \n\n2,157 \n	\n \n\n1,858 \n	\n \n\n16 \n	\n\n	\n \n\n656 \n	\n \n\n646 \n	\n \n\n2 \n
\n 企业贷款 \n	\n \n\n40 \n	\n \n\n220 \n	\n \n\n(82) \n	\n\n	\n \n\n(13) \n	\n \n\n68 \n	\n\n
\n 交易银行业务 \n	\n \n\n1,332 \n	\n \n\n1,258 \n	\n \n\n6 \n	\n\n	\n \n\n464 \n	\n \n\n424 \n	\n \n\n9 \n
\n 国际企业银行 \n	\n \n\n1,372 \n	\n \n\n1,478 \n	\n \n\n(7) \n	\n\n	\n \n\n451 \n	\n \n\n492 \n	\n \n\n(8) \n
\n 投资银行 \n	\n \n\n3,529 \n	\n \n\n3,336 \n	\n \n\n6 \n	\n\n	\n \n\n1,107 \n	\n \n\n1,138 \n	\n \n\n(3) \n
\n 总收入 \n	\n \n\n11,115 \n	\n \n\n10,263 \n	\n \n\n8 \n	\n\n	\n \n\n3,129 \n	\n \n\n3,083 \n	\n \n\n1 \n

\n\n\n\n

\n\n1

按摊余成本计量的贷款和垫款总额包括：按摊余成本计量的客户和银行贷款及垫款、债务证券，以及重新分类为持有待售的组合，均为扣除减值准备前的金额；该指标用作贷款损失率（LLR）的分母。

巴克莱投资银行

领先的全球市场业务和投资银行特许经营业务在英国和美国规模化运营，包括国际企业银行（服务FTSE 350及更大型企业客户）。全球市场约占投资银行总收入的三分之二，而投资银行业务在美国创造的手续费约占三分之二。

投资银行实现13.5%的有形权益回报率（2025年第三季度年初至今：12.9%），得益于全球市场收入、投资银行手续费及承销收入增长，同时保持成本和资本纪律，推动经营杠杆为正并提高风险加权资产生产率。

损益表——2026年第三季度年初至今与2025年第三季度年初至今相比

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n 税前利润增至43.47亿英镑（2025年第三季度年初至今：39.35亿英镑） \n
\n \n● \n	\n 投资银行各业务和地区的收入结构多元化。英镑兑美元平均汇率升值2%，对收入和利润造成不利影响，同时对信贷减值费用和运营费用总额产生有利影响 \n
\n\n	\n 总收入增长8%，达到111.15亿英镑，其中包括英镑兑美元平均汇率走强带来的不利影响 \n
\n\n	\n \n\n- \n	\n 全球市场收入增长10%，达到75.86亿英镑，主要由股票业务收入增长推动 \n
\n\n	\n\n	\n \n\n- \n	\n 固定收益、外汇及大宗商品收入下降5%，至41.99亿英镑。与上年同期的强劲表现相比，这反映了2026年第三季度下半年利率和信贷领域客户活动减少，以及宏观经济环境导致9月进一步承压 \n
\n\n	\n\n	\n \n\n- \n	\n \n\n股票业务收入增长34%，达到£3,387m，反映出Prime Financing余额的战略性增长，以及股票衍生品业务 \n
\n\n	\n \n\n- \n	\n \n\n投资银行业务收入增长6%，达到\n£3,529m \n
\n\n	\n\n	\n \n\n- \n	\n \n\n银行业务手续费及承销收入增长16%，达到£2,157m，\n主要由咨询顾问和股票资本市场业务推动，分别增长\n44%和51%，\n部分被债务资本市场业务抵消 \n
\n\n	\n\n	\n \n\n- \n	\n \n\nICB收入下降7%，至£1,372m。交易银行业务收入\n增长6%，达到£1,332m，存款余额增长带来的更高收入\n部分被存款产品组合变化导致的利润率压缩所抵消。企业贷款\n收入降至£40m，原因是公允价值贷款及对冲成本净亏损（约£170m）1 \n
\n \n● \n	\n \n总运营费用\n增至£6,412m\n（Q325 YTD：£6,045m），原因是绩效成本上升，包括MRT\n调整和SCAs；效率提升节省的成本以及英镑兑\n美元平均汇率走强的影响部分抵消了这一增长 \n
\n \n● \n	\n \n信贷减值费用为\n£356m（Q325 YTD：£283m），主要是由于单一客户费用同比增加 \n

\n\n资产负债表——2026年9月30日与2025年12月31日相比

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n\n税前利润增至£4,347m（Q325 YTD：\n£3,935m） \n
\n \n● \n	\n \n\n以摊余成本计量的贷款和垫款增至£138.9bn\n（2025年12月：£130.3bn），\n由全球市场和银行业务贷款增加推动 \n
\n \n● \n	\n \n\n交易组合资产增至£212.8bn（2025年12月：\n£189.5bn），由\n全球市场为满足客户需求而增加交易活动推动 \n
\n \n● \n	\n \n\n以公允价值计量且其变动计入损益的金融资产\n增至£198.7bn（2025年12月：\n£183.6bn），由\n全球市场担保贷款增加推动 \n
\n \n● \n	\n \n\n衍生金融工具资产增至£308.0bn\n（2025年12月：£251.5bn），负债增至\n£298.2bn（2025年12月：£240.6bn），反映出客户活动增加，以及利率和股票\n衍生品的按市值计价变动 \n
\n \n● \n	\n \n\n以摊余成本计量的存款增至£166.4bn（2025年\n12月：£156.1bn），主要由ICB存款增长推动 \n

\n\n\n\n

\n\n1

\n\nQ326 YTD包含约£105m的贷款公允价值亏损及对冲成本。Q325 YTD包含约£65m的贷款公允价值收益及对冲成本。

\n \n\n巴克莱美国消费者银行 \n	\n \n\n截至九个月 \n	\n\n	\n \n\n截至三个月 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n% 变化 \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n% 变化 \n
\n \n\n净利息收入 \n	\n \n\n2,304 \n	\n \n\n2,044 \n	\n \n\n13 \n	\n\n	\n \n\n749 \n	\n \n\n726 \n	\n \n\n3 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n743 \n	\n \n\n584 \n	\n \n\n27 \n	\n\n	\n \n\n179 \n	\n \n\n215 \n	\n \n\n(17) \n
\n \n\n总收入 \n	\n \n\n3,047 \n	\n \n\n2,628 \n	\n \n\n16 \n	\n\n	\n \n\n928 \n	\n \n\n941 \n	\n \n\n(1) \n
\n \n\n运营成本 \n	\n \n\n(1,281) \n	\n \n\n(1,210) \n	\n \n\n(6) \n	\n\n	\n \n\n(459) \n	\n \n\n(407) \n	\n \n\n(13) \n
\n \n\n英国监管征费 \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n\n	\n \n\n— \n	\n \n\n— \n	\n\n
\n \n\n诉讼及行为相关事项 \n	\n \n\n(5) \n	\n \n\n(3) \n	\n \n\n(67) \n	\n\n	\n \n\n(3) \n	\n \n\n— \n	\n\n
\n \n\n总运营费用 \n	\n \n\n(1,286) \n	\n \n\n(1,213) \n	\n \n\n(6) \n	\n\n	\n \n\n(462) \n	\n \n\n(407) \n	\n \n\n(14) \n
\n \n\n其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n\n	\n \n\n— \n	\n \n\n— \n	\n\n
\n \n\n减值前利润 \n	\n \n\n1,761 \n	\n \n\n1,415 \n	\n \n\n24 \n	\n\n	\n \n\n466 \n	\n \n\n534 \n	\n \n\n(13) \n
\n \n\n信贷减值费用 \n	\n \n\n(1,053) \n	\n \n\n(1,090) \n	\n \n\n3 \n	\n\n	\n \n\n(340) \n	\n \n\n(379) \n	\n \n\n10 \n
\n \n\n税前利润 \n	\n \n\n708 \n	\n \n\n325 \n	\n\n	\n\n	\n \n\n126 \n	\n \n\n155 \n	\n \n\n(19) \n
\n \n\n归属利润 \n	\n \n\n521 \n	\n \n\n246 \n	\n\n	\n\n	\n \n\n92 \n	\n \n\n118 \n	\n \n\n(22) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均分配有形权益回报率1 \n	\n \n\n19.9% \n	\n \n\n9.4% \n	\n\n	\n\n	\n \n\n10.9% \n	\n \n\n13.5% \n	\n\n
\n \n\n平均分配有形权益（£bn） \n	\n \n\n3.5 \n	\n \n\n3.5 \n	\n\n	\n\n	\n \n\n3.4 \n	\n \n\n3.5 \n	\n\n
\n \n\n成本收入比 \n	\n \n\n42% \n	\n \n\n46% \n	\n\n	\n\n	\n \n\n50% \n	\n \n\n43% \n	\n\n
\n \n\n贷款损失率（基点）2 \n	\n \n\n552 \n	\n \n\n489 \n	\n\n	\n\n	\n \n\n529 \n	\n \n\n505 \n	\n\n
\n \n\n净息差 \n	\n \n\n13.20% \n	\n \n\n10.96% \n	\n\n	\n\n	\n \n\n 13.74 % \n	\n \n\n11.50% \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n截至30.09.26 \n	\n \n\n截至31.12.25 \n	\n \n\n截至30.09.25 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n\n	\n\n	\n\n
\n \n\n以摊余成本计量的贷款和垫款总额3 \n	\n \n\n25.5 \n	\n \n\n30.6 \n	\n \n\n29.8 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n以摊余成本计量的客户贷款和垫款 \n	\n \n\n22.3 \n	\n \n\n21.1 \n	\n \n\n20.0 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n以摊余成本计量的存款 \n	\n \n\n25.1 \n	\n \n\n24.2 \n	\n \n\n23.7 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n风险加权资产 \n	\n \n\n24.3 \n	\n \n\n27.4 \n	\n \n\n25.8 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n期末分配有形权益 \n	\n \n\n3.3 \n	\n \n\n3.8 \n	\n \n\n3.5 \n	\n\n	\n\n	\n\n	\n\n

\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n剔除AA投资组合退出交易带来的约£225m Q226出售收益（计入净手续费、佣金及其他收入）后，Q326 YTD平均分配有形权益回报率为13.6%，调整后归属利润为£357m。 \n
\n \n\n2 \n	\n \n\nQ325 YTD和Q325 LLR包含持有待售投资组合，以保持与减值处理的一致性。 \n
\n \n\n3 \n	\n \n\n按摊余成本计量的贷款和垫款总额包括：按摊余成本计量的客户和银行贷款及垫款、债务证券，以及重新分类为持有待售的投资组合，均为扣除减值准备前的金额；该指标是LLR指标的分母。 \n

\n\n巴克莱美国消费者银行

\n\n一家面向2300万客户的美国联名信用卡发行商和金融服务合作伙伴，拥有Best Egg直接面向消费者的贷款发放平台，以及强大的线上零售存款业务。主要业务进展包括：

\n\n\n\n\n\n\n

\n \n● \n	\n \n\n于Q226完成美国航空投资组合退出及收购Best Egg，强化了多产品、纯数字化的美国消费者银行业务，并提升了我们满足更广泛客户借贷需求的能力 \n
\n \n● \n	\n \n\n于Q226宣布与Samsung建立战略合作伙伴关系，根据协议，Barclays将通过Samsung的数字钱包生态系统提供一系列金融产品，借助数字渠道拓展客户触达范围 \n

\n\nUSCB的RoTE为19.9%（Q325年初至今：9.4%），反映了Q226因退出美国航空投资组合而确认的约2.25亿英镑出售收益、持续的运营进展、业务增长带来的收入增加、更高的净利息收益率以及正向经营杠杆。剔除约2.25亿英镑出售收益后（调整后归属利润为3.57亿英镑），Q326年初至今RoTE为13.6%。

\n\n损益表——Q326年初至今与Q325年初至今比较

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n税前利润增至7.08亿英镑（Q325年初至今：3.25亿英镑） \n
\n \n● \n	\n \n\n英镑兑美元平均汇率升值2%，对收入和利润产生不利影响，并对信贷减值费用和经营费用总额产生有利影响 \n
\n \n● \n	\n \n\n总收入增长16%至30.47亿英镑，其中包括英镑兑美元平均汇率走强带来的不利影响。净利息收入增长13%至23.04亿英镑，得益于业务增长、重新定价措施和投资组合结构变化。净手续费、佣金及其他收入增长27%至7.43亿英镑，主要受益于美国航空投资组合退出的出售收益以及收购Best Egg。 \n
\n \n● \n	\n \n\n经营费用总额增长6%至12.86亿英镑，主要由收购Best Egg和GM投资组合、业务增长及通胀压力推动，部分被合作伙伴相关费用下降、持续的效率节省以及英镑兑美元平均汇率走强所抵消 \n
\n \n● \n	\n \n\n信贷减值费用为10.53亿英镑（Q325年初至今：10.90亿英镑），反映了基本信贷表现总体稳定、收购Best Egg的影响以及其他投资组合变化。美国信用卡逾期30天和90天的比率分别稳定在2.9%（Q325：2.9%）和1.5%（Q325：1.5%）。USCB总覆盖率为10.8%（2025年12月：11.1%） \n

\n\n资产负债表——2026年9月30日与2025年12月31日比较

\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n按摊余成本计量的客户贷款和垫款为 223亿英镑（2025年12月：211亿英镑） \n
\n \n● \n	\n \n\n按摊余成本计量的存款增至251亿英镑（2025年12月：242亿英镑），零售储蓄有所增长，这符合USCB扩大核心存款的战略 \n
\n \n● \n	\n \n\n风险加权资产降至243亿英镑（2025年12月：274亿英镑），主要由于美国航空投资组合出售和收购Best Egg带来的净减少32亿英镑 \n

\n \n\n总部 \n	\n \n\n九个月期间 \n	\n\n	\n \n\n三个月期间 \n
\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n	\n\n	\n \n\n30.09.26 \n	\n \n\n30.09.25 \n	\n\n
\n \n\n损益表信息 \n	\n \n\n百万英镑 \n	\n \n\n百万英镑 \n	\n \n\n变化百分比 \n	\n\n	\n \n\n百万英镑 \n	\n \n\n百万英镑 \n	\n \n\n变化百分比 \n
\n \n\n净利息收入 \n	\n \n\n131 \n	\n \n\n426 \n	\n \n\n(69) \n	\n\n	\n \n\n35 \n	\n \n\n138 \n	\n \n\n(75) \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n(36) \n	\n \n\n(257) \n	\n \n\n86 \n	\n\n	\n \n\n(18) \n	\n \n\n(105) \n	\n \n\n83 \n
\n \n\n总收入 \n	\n \n\n95 \n	\n \n\n169 \n	\n \n\n(44) \n	\n\n	\n \n\n17 \n	\n \n\n33 \n	\n \n\n(48) \n
\n \n\n运营成本 \n	\n \n\n(572) \n	\n \n\n(544) \n	\n \n\n(5) \n	\n\n	\n \n\n(204) \n	\n \n\n(162) \n	\n \n\n(26) \n
\n \n\n英国监管征费 \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n\n	\n \n\n— \n	\n \n\n— \n	\n\n
\n \n\n诉讼及行为相关事项 \n	\n \n\n(101) \n	\n \n\n(244) \n	\n \n\n59 \n	\n\n	\n \n\n7 \n	\n \n\n(239) \n	\n\n
\n \n\n经营费用总额 \n	\n \n\n(673) \n	\n \n\n(788) \n	\n \n\n15 \n	\n\n	\n \n\n(197) \n	\n \n\n(401) \n	\n \n\n51 \n
\n \n\n其他净收入 \n	\n \n\n44 \n	\n \n\n48 \n	\n \n\n(8) \n	\n\n	\n \n\n20 \n	\n \n\n39 \n	\n \n\n(49) \n
\n \n\n减值前亏损 \n	\n \n\n(534) \n	\n \n\n(571) \n	\n \n\n6 \n	\n\n	\n \n\n(160) \n	\n \n\n(329) \n	\n \n\n51 \n
\n \n\n信贷减值转回／（费用） \n	\n \n\n2 \n	\n \n\n(6) \n	\n\n	\n\n	\n \n\n— \n	\n \n\n(1) \n	\n\n
\n \n\n税前亏损 \n	\n \n\n(532) \n	\n \n\n(577) \n	\n \n\n8 \n	\n\n	\n \n\n(160) \n	\n \n\n(330) \n	\n \n\n52 \n
\n \n\n归属亏损 \n	\n \n\n(421) \n	\n \n\n(537) \n	\n \n\n22 \n	\n\n	\n \n\n(118) \n	\n \n\n(299) \n	\n \n\n61 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均分配的有形权益（£bn） \n	\n \n\n6.0 \n	\n \n\n5.3 \n	\n\n	\n\n	\n \n\n5.1 \n	\n \n\n6.6 \n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n截至 30.09.26 \n	\n \n\n截至 31.12.25 \n	\n \n\n截至 30.09.25 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n\n	\n\n	\n\n
\n \n\n风险加权资产 \n	\n \n\n13.2 \n	\n \n\n12.3 \n	\n \n\n12.7 \n	\n\n	\n\n	\n\n	\n\n
\n \n\n期末分配的有形权益 \n	\n \n\n4.0 \n	\n \n\n7.5 \n	\n \n\n5.8 \n	\n\n	\n\n	\n\n	\n\n

\n\n损益表——Q326 年初至今与 Q325 年初至今比较

\n\n\n\n\n\n\n\n\n\n

\n \n● \n	\n \n\n税前亏损为 £532m（Q325 年初至今：£577m） \n
\n \n● \n	\n \n\n总收入降至 £95m（Q325 年初至今：£169m），原因是对冲会计的影响（包括 Q326 约 £30m 的亏损），以及 Q125 出售德国消费金融业务的影响 \n
\n \n● \n	\n \n\n总运营支出降至 £673m（Q325 年初至今：£788m），因为 Q326 年初至今包括 £105m 的 FCA 汽车金融补救费用。Q325 年初至今包括 £235m 的 FCA 汽车金融补救费用 \n

\n\n资产负债表——2026 年 9 月 30 日与 2025 年 12 月 31 日比较

\n\n\n\n

\n●

\n\n风险加权资产增至 £13.2bn（2025 年 12 月：£12.3bn），其中包括收购 One Churchill Place 长期租赁权益的净影响

\n\n季度业绩\n摘要

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n巴克莱集团 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n净利息收入 \n	\n \n\n3,910 \n	\n \n\n3,921 \n	\n \n\n3,737 \n	\n\n	\n \n\n3,734 \n	\n \n\n3,745 \n	\n \n\n3,505 \n	\n \n\n3,517 \n	\n\n	\n \n\n3,500 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n3,455 \n	\n \n\n4,417 \n	\n \n\n4,426 \n	\n\n	\n \n\n3,343 \n	\n \n\n3,422 \n	\n \n\n3,682 \n	\n \n\n4,192 \n	\n\n	\n \n\n3,464 \n
\n \n\n总收入 \n	\n \n\n7,365 \n	\n \n\n8,338 \n	\n \n\n8,163 \n	\n\n	\n \n\n7,077 \n	\n \n\n7,167 \n	\n \n\n7,187 \n	\n \n\n7,709 \n	\n\n	\n \n\n6,964 \n
\n \n\n运营成本 \n	\n \n\n(4,565) \n	\n \n\n(4,514) \n	\n \n\n(4,359) \n	\n\n	\n \n\n(4,379) \n	\n \n\n(4,254) \n	\n \n\n(4,149) \n	\n \n\n(4,258) \n	\n\n	\n \n\n(4,244) \n
\n \n\n英国监管征费 \n	\n \n\n(11) \n	\n \n\n— \n	\n \n\n(84) \n	\n\n	\n \n\n(229) \n	\n \n\n12 \n	\n \n\n— \n	\n \n\n(96) \n	\n\n	\n \n\n(227) \n
\n \n\n诉讼及行为相关事项 \n	\n \n\n16 \n	\n \n\n(4) \n	\n \n\n(104) \n	\n\n	\n \n\n(50) \n	\n \n\n(255) \n	\n \n\n(76) \n	\n \n\n(11) \n	\n\n	\n \n\n(121) \n
\n \n\n总运营支出 \n	\n \n\n(4,560) \n	\n \n\n(4,518) \n	\n \n\n(4,547) \n	\n\n	\n \n\n(4,658) \n	\n \n\n(4,497) \n	\n \n\n(4,225) \n	\n \n\n(4,365) \n	\n\n	\n \n\n(4,592) \n
\n \n\n其他净收入／（支出） \n	\n \n\n20 \n	\n \n\n3 \n	\n \n\n21 \n	\n\n	\n \n\n(25) \n	\n \n\n39 \n	\n \n\n(9) \n	\n \n\n18 \n	\n\n	\n \n\n— \n
\n \n\n减值前利润 \n	\n \n\n2,825 \n	\n \n\n3,823 \n	\n \n\n3,637 \n	\n\n	\n \n\n2,394 \n	\n \n\n2,709 \n	\n \n\n2,953 \n	\n \n\n3,362 \n	\n\n	\n \n\n2,372 \n
\n \n\n信贷减值费用 \n	\n \n\n(503) \n	\n \n\n(571) \n	\n \n\n(823) \n	\n\n	\n \n\n(535) \n	\n \n\n(632) \n	\n \n\n(469) \n	\n \n\n(643) \n	\n\n	\n \n\n(711) \n
\n \n\n税前利润 \n	\n \n\n2,322 \n	\n \n\n3,252 \n	\n \n\n2,814 \n	\n\n	\n \n\n1,859 \n	\n \n\n2,077 \n	\n \n\n2,484 \n	\n \n\n2,719 \n	\n\n	\n \n\n1,661 \n
\n \n\n税项支出 \n	\n \n\n(422) \n	\n \n\n(731) \n	\n \n\n(638) \n	\n\n	\n \n\n(388) \n	\n \n\n(365) \n	\n \n\n(552) \n	\n \n\n(621) \n	\n\n	\n \n\n(448) \n
\n \n\n税后利润 \n	\n \n\n1,900 \n	\n \n\n2,521 \n	\n \n\n2,176 \n	\n\n	\n \n\n1,471 \n	\n \n\n1,712 \n	\n \n\n1,932 \n	\n \n\n2,098 \n	\n\n	\n \n\n1,213 \n
\n \n\n非控股权益 \n	\n \n\n— \n	\n \n\n(19) \n	\n \n\n— \n	\n\n	\n \n\n(18) \n	\n \n\n— \n	\n \n\n(21) \n	\n \n\n(2) \n	\n\n	\n \n\n(20) \n
\n \n\n其他权益工具持有人 \n	\n \n\n(254) \n	\n \n\n(243) \n	\n \n\n(244) \n	\n\n	\n \n\n(258) \n	\n \n\n(255) \n	\n \n\n(252) \n	\n \n\n(232) \n	\n\n	\n \n\n(228) \n
\n \n\n应占利润 \n	\n \n\n1,646 \n	\n \n\n2,259 \n	\n \n\n1,932 \n	\n\n	\n \n\n1,195 \n	\n \n\n1,457 \n	\n \n\n1,659 \n	\n \n\n1,864 \n	\n\n	\n \n\n965 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均有形股东权益回报率 \n	\n \n\n11.7% \n	\n \n\n16.1% \n	\n \n\n13.5% \n	\n\n	\n \n\n8.5% \n	\n \n\n10.6% \n	\n \n\n12.3% \n	\n \n\n14.0% \n	\n\n	\n \n\n7.5% \n
\n \n\n平均有形股东权益（£bn） \n	\n \n\n56.4 \n	\n \n\n56.1 \n	\n \n\n57.2 \n	\n\n	\n \n\n56.5 \n	\n \n\n55.1 \n	\n \n\n53.9 \n	\n \n\n53.1 \n	\n\n	\n \n\n51.5 \n
\n \n\n成本收入比 \n	\n \n\n62% \n	\n \n\n54% \n	\n \n\n56% \n	\n\n	\n \n\n66% \n	\n \n\n63% \n	\n \n\n59% \n	\n \n\n57% \n	\n\n	\n \n\n66% \n
\n \n\n贷款损失率（bps） \n	\n \n\n43 \n	\n \n\n51 \n	\n \n\n74 \n	\n\n	\n \n\n48 \n	\n \n\n57 \n	\n \n\n44 \n	\n \n\n61 \n	\n\n	\n \n\n66 \n
\n \n\n普通股基本每股收益 \n	\n \n\n12.3p \n	\n \n\n16.7p \n	\n \n\n14.1p \n	\n\n	\n \n\n8.6p \n	\n \n\n10.4p \n	\n \n\n11.7p \n	\n \n\n13.0p \n	\n\n	\n \n\n6.7p \n
\n \n\n普通股基本加权平均股数（m） \n	\n \n\n13,426 \n	\n \n\n13,565 \n	\n \n\n13,727 \n	\n\n	\n \n\n13,883 \n	\n \n\n14,045 \n	\n \n\n14,211 \n	\n \n\n14,314 \n	\n\n	\n \n\n14,432 \n
\n \n\n期末股数（m） \n	\n \n\n13,379 \n	\n \n\n13,507 \n	\n \n\n13,737 \n	\n\n	\n \n\n13,867 \n	\n \n\n13,996 \n	\n \n\n14,180 \n	\n \n\n14,336 \n	\n\n	\n \n\n14,420 \n
\n \n\n期末有形股东权益（£bn） \n	\n \n\n54.8 \n	\n \n\n57.2 \n	\n \n\n55.6 \n	\n\n	\n \n\n56.8 \n	\n \n\n54.9 \n	\n \n\n54.5 \n	\n \n\n53.4 \n	\n\n	\n \n\n51.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表与资本管理1 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\n按摊余成本计量的贷款及垫款总额2 \n	\n \n\n459.8 \n	\n \n\n450.4 \n	\n \n\n449.9 \n	\n\n	\n \n\n441.3 \n	\n \n\n437.5 \n	\n \n\n428.4 \n	\n \n\n430.4 \n	\n\n	\n \n\n429.6 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户贷款及垫款 \n	\n \n\n373.1 \n	\n \n\n359.3 \n	\n \n\n358.3 \n	\n\n	\n \n\n352.8 \n	\n \n\n346.4 \n	\n \n\n339.2 \n	\n \n\n338.6 \n	\n\n	\n \n\n337.9 \n
\n \n\n按摊余成本计量的银行贷款及垫款 \n	\n \n\n10.5 \n	\n \n\n12.0 \n	\n \n\n12.0 \n	\n\n	\n \n\n8.7 \n	\n \n\n9.4 \n	\n \n\n8.7 \n	\n \n\n9.4 \n	\n\n	\n \n\n8.3 \n
\n \n\n按摊余成本计量的债务证券 \n	\n \n\n70.8 \n	\n \n\n73.5 \n	\n \n\n68.3 \n	\n\n	\n \n\n68.5 \n	\n \n\n70.7 \n	\n \n\n69.9 \n	\n \n\n71.4 \n	\n\n	\n \n\n68.2 \n
\n \n\n按摊余成本计量的贷款及垫款 \n	\n \n\n454.5 \n	\n \n\n444.8 \n	\n \n\n438.6 \n	\n\n	\n \n\n430.0 \n	\n \n\n426.5 \n	\n \n\n417.8 \n	\n \n\n419.4 \n	\n\n	\n \n\n414.5 \n
\n \n\n按摊余成本计量的贷款及垫款减值覆盖率 \n	\n \n\n1.2% \n	\n \n\n1.2% \n	\n \n\n1.3% \n	\n\n	\n \n\n1.2% \n	\n \n\n1.2% \n	\n \n\n1.2% \n	\n \n\n1.2% \n	\n\n	\n \n\n1.2% \n
\n \n\n资产总额 \n	\n \n\n1,737.6 \n	\n \n\n1,730.4 \n	\n \n\n1,694.8 \n	\n\n	\n \n\n1,544.2 \n	\n \n\n1,629.2 \n	\n \n\n1,598.7 \n	\n \n\n1,593.5 \n	\n\n	\n \n\n1,518.2 \n
\n \n\n按摊余成本计量的存款 \n	\n \n\n599.3 \n	\n \n\n594.4 \n	\n \n\n587.6 \n	\n\n	\n \n\n585.6 \n	\n \n\n575.3 \n	\n \n\n564.5 \n	\n \n\n574.3 \n	\n\n	\n \n\n560.7 \n
\n \n\n每股有形资产净值 \n	\n \n\n410p \n	\n \n\n423p \n	\n \n\n405p \n	\n\n	\n \n\n409p \n	\n \n\n392p \n	\n \n\n384p \n	\n \n\n372p \n	\n\n	\n \n\n357p \n
\n \n\n普通股一级资本比率 \n	\n \n\n14.2% \n	\n \n\n14.3% \n	\n \n\n14.1% \n	\n\n	\n \n\n14.3% \n	\n \n\n14.1% \n	\n \n\n14.0% \n	\n \n\n13.9% \n	\n\n	\n \n\n13.6% \n
\n \n\n普通股一级资本 \n	\n \n\n52.4 \n	\n \n\n52.2 \n	\n \n\n51.2 \n	\n\n	\n \n\n51.1 \n	\n \n\n50.3 \n	\n \n\n49.5 \n	\n \n\n48.8 \n	\n\n	\n \n\n48.6 \n
\n \n\n风险加权资产 \n	\n \n\n369.8 \n	\n \n\n364.8 \n	\n \n\n364.5 \n	\n\n	\n \n\n356.8 \n	\n \n\n357.4 \n	\n \n\n353.0 \n	\n \n\n351.3 \n	\n\n	\n \n\n358.1 \n
\n \n\n英国杠杆率 \n	\n \n\n4.9% \n	\n \n\n4.9% \n	\n \n\n4.8% \n	\n\n	\n \n\n5.1% \n	\n \n\n4.9% \n	\n \n\n5.0% \n	\n \n\n5.0% \n	\n\n	\n \n\n5.0% \n
\n \n\n英国杠杆敞口 \n	\n \n\n1,344.0 \n	\n \n\n1,345.6 \n	\n \n\n1,321.3 \n	\n\n	\n \n\n1,247.3 \n	\n \n\n1,285.3 \n	\n \n\n1,259.8 \n	\n \n\n1,252.8 \n	\n\n	\n \n\n1,206.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n融资与流动性 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n集团流动性储备（£bn） \n	\n \n\n372.2 \n	\n \n\n346.7 \n	\n \n\n326.1 \n	\n\n	\n \n\n337.8 \n	\n \n\n332.9 \n	\n \n\n333.7 \n	\n \n\n336.3 \n	\n\n	\n \n\n296.9 \n
\n \n\n流动性覆盖率3 \n	\n \n\n157.0% \n	\n \n\n157.7% \n	\n \n\n165.4% \n	\n\n	\n \n\n170.0% \n	\n \n\n174.6% \n	\n \n\n177.7% \n	\n \n\n175.3% \n	\n\n	\n \n\n172.4% \n
\n \n\n净稳定资金比率 \n	\n \n\n135.8% \n	\n \n\n135.8% \n	\n \n\n135.4% \n	\n\n	\n \n\n135.2% \n	\n \n\n135.3% \n	\n \n\n135.6% \n	\n \n\n136.2% \n	\n\n	\n \n\n134.9% \n
\n \n\n贷款存款比率 \n	\n \n\n76% \n	\n \n\n75% \n	\n \n\n75% \n	\n\n	\n \n\n73% \n	\n \n\n74% \n	\n \n\n74% \n	\n \n\n73% \n	\n\n	\n \n\n74% \n
\n \n\n客户贷款存款比率4 \n	\n \n\n64% \n	\n \n\n63% \n	\n \n\n63% \n	\n\n	\n \n\n62% \n	\n \n\n62% \n	\n \n\n62% \n	\n \n\n61% \n	\n\n	\n \n\n62% \n

\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n资本、风险加权资产和杠杆的计算方式详见第 58 至 64 页。 \n
\n \n\n2 \n	\n \n\n按摊余成本计量的贷款及垫款总额包括：按摊余成本计量的客户及银行贷款和垫款、债务证券，以及重新分类为持有待售的投资组合，均按减值准备前金额计算；该指标是贷款损失率（LLR）的分母。 \n
\n \n\n3 \n	\n \n\n表示最近 12 个月月末即期比率的平均值。2025 年 6 月，巴克莱实施了计算流动性覆盖率（LCR）中与担保融资交易相关的净压力流出额的新方法。 \n
\n \n\n4 \n	\n \n\n自 Q326 起，引入客户贷款存款比率，计算方法为客户贷款除以客户存款，以提供侧重客户贷款的融资指标，并提升与同业的可比性。 \n

\n\n各业务部门季度业绩

\n \n\n巴克莱英国 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ4241 \n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n净利息收入 \n	\n \n\n2,073 \n	\n \n\n2,000 \n	\n \n\n1,986 \n	\n\n	\n \n\n2,015 \n	\n \n\n1,961 \n	\n \n\n1,855 \n	\n \n\n1,822 \n	\n\n	\n \n\n1,815 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n276 \n	\n \n\n259 \n	\n \n\n272 \n	\n\n	\n \n\n247 \n	\n \n\n292 \n	\n \n\n264 \n	\n \n\n252 \n	\n\n	\n \n\n800 \n
\n \n\n总收入 \n	\n \n\n2,349 \n	\n \n\n2,259 \n	\n \n\n2,258 \n	\n\n	\n \n\n2,262 \n	\n \n\n2,253 \n	\n \n\n2,119 \n	\n \n\n2,074 \n	\n\n	\n \n\n2,615 \n
\n \n\n运营成本 \n	\n \n\n(1,274) \n	\n \n\n(1,194) \n	\n \n\n(1,174) \n	\n\n	\n \n\n(1,274) \n	\n \n\n(1,189) \n	\n \n\n(1,168) \n	\n \n\n(1,115) \n	\n\n	\n \n\n(1,170) \n
\n \n\n英国监管征费 \n	\n \n\n(5) \n	\n \n\n— \n	\n \n\n(44) \n	\n\n	\n \n\n(41) \n	\n \n\n(1) \n	\n \n\n— \n	\n \n\n(43) \n	\n\n	\n \n\n(36) \n
\n \n\n诉讼及行为相关费用 \n	\n \n\n8 \n	\n \n\n(1) \n	\n \n\n1 \n	\n\n	\n \n\n(14) \n	\n \n\n(8) \n	\n \n\n(27) \n	\n \n\n(2) \n	\n\n	\n \n\n(9) \n
\n \n\n运营费用总额 \n	\n \n\n(1,271) \n	\n \n\n(1,195) \n	\n \n\n(1,217) \n	\n\n	\n \n\n(1,329) \n	\n \n\n(1,198) \n	\n \n\n(1,195) \n	\n \n\n(1,160) \n	\n\n	\n \n\n(1,215) \n
\n \n\n其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\n减值前利润 \n	\n \n\n1,078 \n	\n \n\n1,064 \n	\n \n\n1,041 \n	\n\n	\n \n\n933 \n	\n \n\n1,055 \n	\n \n\n924 \n	\n \n\n914 \n	\n\n	\n \n\n1,400 \n
\n \n\n信用减值费用 \n	\n \n\n(123) \n	\n \n\n(160) \n	\n \n\n(178) \n	\n\n	\n \n\n(74) \n	\n \n\n(102) \n	\n \n\n(79) \n	\n \n\n(158) \n	\n\n	\n \n\n(283) \n
\n \n\n税前利润 \n	\n \n\n955 \n	\n \n\n904 \n	\n \n\n863 \n	\n\n	\n \n\n859 \n	\n \n\n953 \n	\n \n\n845 \n	\n \n\n756 \n	\n\n	\n \n\n1,117 \n
\n \n\n归属利润 \n	\n \n\n666 \n	\n \n\n623 \n	\n \n\n591 \n	\n\n	\n \n\n706 \n	\n \n\n647 \n	\n \n\n580 \n	\n \n\n510 \n	\n\n	\n \n\n781 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\n按摊余成本计量的贷款及垫款总额2 \n	\n \n\n243.3 \n	\n \n\n239.8 \n	\n \n\n233.6 \n	\n\n	\n \n\n231.9 \n	\n \n\n230.9 \n	\n \n\n228.5 \n	\n \n\n227.5 \n	\n\n	\n \n\n227.5 \n
\n \n\n按摊余成本计量的客户贷款及垫款 \n	\n \n\n225.3 \n	\n \n\n220.8 \n	\n \n\n217.8 \n	\n\n	\n \n\n216.5 \n	\n \n\n213.4 \n	\n \n\n211.2 \n	\n \n\n209.6 \n	\n\n	\n \n\n207.7 \n
\n \n\n按摊余成本计量的客户存款 \n	\n \n\n246.1 \n	\n \n\n245.6 \n	\n \n\n243.9 \n	\n\n	\n \n\n244.6 \n	\n \n\n241.5 \n	\n \n\n241.3 \n	\n \n\n243.1 \n	\n\n	\n \n\n244.2 \n
\n \n\n贷款存款比率 \n	\n \n\n98% \n	\n \n\n97% \n	\n \n\n95% \n	\n\n	\n \n\n94% \n	\n \n\n95% \n	\n \n\n94% \n	\n \n\n93% \n	\n\n	\n \n\n92% \n
\n \n\n客户贷款存款比率3 \n	\n \n\n 92% \n	\n \n\n 90% \n	\n \n\n 89% \n	\n\n	\n \n\n 89% \n	\n \n\n 88% \n	\n \n\n 87% \n	\n \n\n 86% \n	\n\n	\n \n\n 85% \n
\n \n\n风险加权资产 \n	\n \n\n90.6 \n	\n \n\n89.0 \n	\n \n\n87.5 \n	\n\n	\n \n\n85.8 \n	\n \n\n86.7 \n	\n \n\n86.1 \n	\n \n\n85.0 \n	\n\n	\n \n\n84.5 \n
\n \n\n期末分配的有形权益 \n	\n \n\n12.6 \n	\n \n\n12.4 \n	\n \n\n12.0 \n	\n\n	\n \n\n11.8 \n	\n \n\n11.9 \n	\n \n\n11.8 \n	\n \n\n11.8 \n	\n\n	\n \n\n11.6 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均分配有形权益回报率 \n	\n \n\n21.2% \n	\n \n\n20.4% \n	\n \n\n19.7% \n	\n\n	\n \n\n23.8% \n	\n \n\n21.8% \n	\n \n\n19.7% \n	\n \n\n17.4% \n	\n\n	\n \n\n28.0% \n
\n \n\n平均分配有形权益（£bn） \n	\n \n\n12.6 \n	\n \n\n12.2 \n	\n \n\n12.0 \n	\n\n	\n \n\n11.9 \n	\n \n\n11.9 \n	\n \n\n11.8 \n	\n \n\n11.7 \n	\n\n	\n \n\n11.2 \n
\n \n\n成本收入比 \n	\n \n\n54% \n	\n \n\n53% \n	\n \n\n54% \n	\n\n	\n \n\n59% \n	\n \n\n53% \n	\n \n\n56% \n	\n \n\n56% \n	\n\n	\n \n\n46% \n
\n \n\n贷款损失率（bps） \n	\n \n\n20 \n	\n \n\n27 \n	\n \n\n31 \n	\n\n	\n \n\n13 \n	\n \n\n18 \n	\n \n\n14 \n	\n \n\n28 \n	\n\n	\n \n\n49 \n
\n \n\n净息差 \n	\n \n\n3.69% \n	\n \n\n3.68% \n	\n \n\n3.72% \n	\n\n	\n \n\n3.72% \n	\n \n\n3.68% \n	\n \n\n3.55% \n	\n \n\n3.55% \n	\n\n	\n \n\n3.53% \n

\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nQ424 包含收购 Tesco Bank 的首日影响：总收入包含 £556m 收益，信用减值费用包含 £209m 费用。 \n
\n \n\n2 \n	\n \n\n按摊余成本计量的贷款及垫款总额包括：按摊余成本计量的客户及银行贷款和垫款、债务证券，以及重新分类为持有待售的投资组合，均为扣除减值准备前金额；该指标用于计算贷款损失率（LLR）。 \n
\n \n\n3 \n	\n \n\n自 Q326 起，引入客户贷款存款比率，按客户贷款除以客户存款计算，以提供聚焦客户贷款的融资指标，并提升与同业的可比性。 \n

\n \n\n巴克莱英国业务分析 \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ4241 \n
\n \n\n总收入分析 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n零售银行业务 \n	\n \n\n1,785 \n	\n \n\n1,711 \n	\n \n\n1,725 \n	\n\n	\n \n\n1,702 \n	\n \n\n1,708 \n	\n \n\n1,599 \n	\n \n\n1,573 \n	\n\n	\n \n\n2,078 \n
\n \n\n商业银行业务 \n	\n \n\n564 \n	\n \n\n548 \n	\n \n\n533 \n	\n\n	\n \n\n560 \n	\n \n\n545 \n	\n \n\n520 \n	\n \n\n501 \n	\n\n	\n \n\n537 \n
\n \n\n总收入 \n	\n \n\n2,349 \n	\n \n\n2,259 \n	\n \n\n2,258 \n	\n\n	\n \n\n2,262 \n	\n \n\n2,253 \n	\n \n\n2,119 \n	\n \n\n2,074 \n	\n\n	\n \n\n2,615 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n信用减值（费用）/转回分析 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n零售银行业务 \n	\n \n\n(135) \n	\n \n\n(165) \n	\n \n\n(179) \n	\n\n	\n \n\n(72) \n	\n \n\n(98) \n	\n \n\n(59) \n	\n \n\n(145) \n	\n\n	\n \n\n(279) \n
\n \n\n商业银行业务 \n	\n \n\n12 \n	\n \n\n5 \n	\n \n\n1 \n	\n\n	\n \n\n(2) \n	\n \n\n(4) \n	\n \n\n(20) \n	\n \n\n(13) \n	\n\n	\n \n\n(4) \n
\n \n\n信用减值费用总额 \n	\n \n\n(123) \n	\n \n\n(160) \n	\n \n\n(178) \n	\n\n	\n \n\n(74) \n	\n \n\n(102) \n	\n \n\n(79) \n	\n \n\n(158) \n	\n\n	\n \n\n(283) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户贷款及垫款分析 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\n零售银行业务 \n	\n \n\n207.7 \n	\n \n\n203.1 \n	\n \n\n200.1 \n	\n\n	\n \n\n198.6 \n	\n \n\n195.2 \n	\n \n\n192.4 \n	\n \n\n190.4 \n	\n\n	\n \n\n188.0 \n
\n \n\n商业银行业务 \n	\n \n\n17.6 \n	\n \n\n17.7 \n	\n \n\n17.7 \n	\n\n	\n \n\n17.9 \n	\n \n\n18.2 \n	\n \n\n18.8 \n	\n \n\n19.2 \n	\n\n	\n \n\n19.7 \n
\n \n\n按摊余成本计量的客户贷款及垫款总额 \n	\n \n\n225.3 \n	\n \n\n220.8 \n	\n \n\n217.8 \n	\n\n	\n \n\n216.5 \n	\n \n\n213.4 \n	\n \n\n211.2 \n	\n \n\n209.6 \n	\n\n	\n \n\n207.7 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n按摊余成本计量的客户存款分析 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n零售银行业务 \n	\n \n\n195.2 \n	\n \n\n194.5 \n	\n \n\n193.1 \n	\n\n	\n \n\n192.7 \n	\n \n\n189.3 \n	\n \n\n189.3 \n	\n \n\n190.8 \n	\n\n	\n \n\n191.4 \n
\n \n\n商业银行业务 \n	\n \n\n50.9 \n	\n \n\n51.1 \n	\n \n\n50.8 \n	\n\n	\n \n\n51.9 \n	\n \n\n52.2 \n	\n \n\n52.0 \n	\n \n\n52.3 \n	\n\n	\n \n\n52.8 \n
\n \n\n按摊余成本计量的客户存款总额 \n	\n \n\n246.1 \n	\n \n\n245.6 \n	\n \n\n243.9 \n	\n\n	\n \n\n244.6 \n	\n \n\n241.5 \n	\n \n\n241.3 \n	\n \n\n243.1 \n	\n\n	\n \n\n244.2 \n

\n\n\n\n

\n\n1

\n\nQ424 包含收购 Tesco Bank 的首日影响：总收入包含 £556m 收益，信用减值费用包含 £209m 费用。

\n \n\n巴克莱英国企业银行 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n净利息收入 \n	\n \n\n437 \n	\n \n\n413 \n	\n \n\n394 \n	\n\n	\n \n\n396 \n	\n \n\n383 \n	\n \n\n359 \n	\n \n\n342 \n	\n\n	\n \n\n324 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n136 \n	\n \n\n145 \n	\n \n\n136 \n	\n\n	\n \n\n143 \n	\n \n\n139 \n	\n \n\n160 \n	\n \n\n142 \n	\n\n	\n \n\n134 \n
\n \n\n总收入 \n	\n \n\n573 \n	\n \n\n558 \n	\n \n\n530 \n	\n\n	\n \n\n539 \n	\n \n\n522 \n	\n \n\n519 \n	\n \n\n484 \n	\n\n	\n \n\n458 \n
\n \n\n运营成本 \n	\n \n\n(256) \n	\n \n\n(249) \n	\n \n\n(239) \n	\n\n	\n \n\n(272) \n	\n \n\n(243) \n	\n \n\n(240) \n	\n \n\n(234) \n	\n\n	\n \n\n(250) \n
\n \n\n英国监管征费 \n	\n \n\n(2) \n	\n \n\n— \n	\n \n\n(15) \n	\n\n	\n \n\n(14) \n	\n \n\n9 \n	\n \n\n— \n	\n \n\n(24) \n	\n\n	\n \n\n(14) \n
\n \n\n诉讼及行为相关费用 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n(39) \n	\n \n\n— \n	\n\n	\n \n\n(1) \n
\n \n\n运营费用总额 \n	\n \n\n(258) \n	\n \n\n(249) \n	\n \n\n(254) \n	\n\n	\n \n\n(286) \n	\n \n\n(234) \n	\n \n\n(279) \n	\n \n\n(258) \n	\n\n	\n \n\n(265) \n
\n \n\n其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\n减值前利润 \n	\n \n\n315 \n	\n \n\n309 \n	\n \n\n276 \n	\n\n	\n \n\n253 \n	\n \n\n288 \n	\n \n\n240 \n	\n \n\n226 \n	\n\n	\n \n\n193 \n
\n \n\n信用减值费用 \n	\n \n\n(2) \n	\n \n\n(16) \n	\n \n\n(3) \n	\n\n	\n \n\n(1) \n	\n \n\n(5) \n	\n \n\n(12) \n	\n \n\n(19) \n	\n\n	\n \n\n(40) \n
\n \n\n税前利润 \n	\n \n\n313 \n	\n \n\n293 \n	\n \n\n273 \n	\n\n	\n \n\n252 \n	\n \n\n283 \n	\n \n\n228 \n	\n \n\n207 \n	\n\n	\n \n\n153 \n
\n \n\n归属利润 \n	\n \n\n218 \n	\n \n\n201 \n	\n \n\n187 \n	\n\n	\n \n\n168 \n	\n \n\n196 \n	\n \n\n142 \n	\n \n\n142 \n	\n\n	\n \n\n98 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\n按摊余成本计量的贷款及垫款总额1 \n	\n \n\n33.2 \n	\n \n\n31.4 \n	\n \n\n31.0 \n	\n\n	\n \n\n30.2 \n	\n \n\n29.2 \n	\n \n\n28.2 \n	\n \n\n27.0 \n	\n\n	\n \n\n25.8 \n
\n \n\n按摊余成本计量的客户贷款及垫款 \n	\n \n\n33.0 \n	\n \n\n31.3 \n	\n \n\n30.8 \n	\n\n	\n \n\n30.0 \n	\n \n\n29.0 \n	\n \n\n27.9 \n	\n \n\n26.7 \n	\n\n	\n \n\n25.4 \n
\n \n\n按摊余成本计量的存款 \n	\n \n\n87.2 \n	\n \n\n89.1 \n	\n \n\n88.0 \n	\n\n	\n \n\n88.7 \n	\n \n\n86.7 \n	\n \n\n85.3 \n	\n \n\n85.3 \n	\n\n	\n \n\n83.1 \n
\n \n\n客户贷款存款比率2 \n	\n \n\n38% \n	\n \n\n35% \n	\n \n\n35% \n	\n\n	\n \n\n34% \n	\n \n\n33% \n	\n \n\n33% \n	\n \n\n31% \n	\n\n	\n \n\n31% \n
\n \n\n风险加权资产 \n	\n \n\n27.5 \n	\n \n\n26.6 \n	\n \n\n27.3 \n	\n\n	\n \n\n26.5 \n	\n \n\n25.2 \n	\n \n\n25.3 \n	\n \n\n24.2 \n	\n\n	\n \n\n23.9 \n
\n \n\n期末分配的有形权益 \n	\n \n\n3.8 \n	\n \n\n3.7 \n	\n \n\n3.7 \n	\n\n	\n \n\n3.7 \n	\n \n\n3.4 \n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n\n	\n \n\n3.3 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均分配有形权益回报率 \n	\n \n\n23.5% \n	\n \n\n 21.3 % \n	\n \n\n19.9% \n	\n\n	\n \n\n19.1% \n	\n \n\n22.8% \n	\n \n\n16.6% \n	\n \n\n17.1% \n	\n\n	\n \n\n12.3% \n
\n \n\n平均分配有形权益（£bn） \n	\n \n\n3.7 \n	\n \n\n3.8 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n \n\n3.4 \n	\n \n\n3.3 \n	\n\n	\n \n\n3.2 \n
\n \n\n成本收入比 \n	\n \n\n45% \n	\n \n\n45% \n	\n \n\n48% \n	\n\n	\n \n\n53% \n	\n \n\n45% \n	\n \n\n54% \n	\n \n\n53% \n	\n\n	\n \n\n58% \n
\n \n\n贷款损失率（bps） \n	\n \n\n2 \n	\n \n\n20 \n	\n \n\n4 \n	\n\n	\n \n\n1 \n	\n \n\n7 \n	\n \n\n17 \n	\n \n\n28 \n	\n\n	\n \n\n62 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n总收入分析 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n企业贷款 \n	\n \n\n91 \n	\n \n\n96 \n	\n \n\n89 \n	\n\n	\n \n\n97 \n	\n \n\n90 \n	\n \n\n90 \n	\n \n\n80 \n	\n\n	\n \n\n71 \n
\n \n\n交易银行业务 \n	\n \n\n482 \n	\n \n\n462 \n	\n \n\n441 \n	\n\n	\n \n\n442 \n	\n \n\n432 \n	\n \n\n429 \n	\n \n\n404 \n	\n\n	\n \n\n387 \n
\n \n\n总收入 \n	\n \n\n573 \n	\n \n\n558 \n	\n \n\n530 \n	\n\n	\n \n\n539 \n	\n \n\n522 \n	\n \n\n519 \n	\n \n\n484 \n	\n\n	\n \n\n458 \n

\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n按摊余成本计量的贷款及垫款总额包括：按摊余成本计量的客户及银行贷款和垫款、债务证券，以及重新分类为持有待售的投资组合，均为扣除减值准备前金额；该指标用于计算贷款损失率（LLR）。 \n
\n \n\n2 \n	\n \n\n从 Q326 起，新增客户贷款存款比率，该比率以客户贷款除以客户存款计算，用于提供侧重客户贷款的资金指标，并提高与同业的可比性。 \n

\n \n\nBarclays Private Bank and Wealth\nManagement \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n净利息收入 \n	\n \n\n223 \n	\n \n\n216 \n	\n \n\n204 \n	\n\n	\n \n\n202 \n	\n \n\n190 \n	\n \n\n203 \n	\n \n\n204 \n	\n\n	\n \n\n216 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n146 \n	\n \n\n150 \n	\n \n\n143 \n	\n\n	\n \n\n146 \n	\n \n\n145 \n	\n \n\n145 \n	\n \n\n145 \n	\n\n	\n \n\n135 \n
\n \n\n总收入 \n	\n \n\n369 \n	\n \n\n366 \n	\n \n\n347 \n	\n\n	\n \n\n348 \n	\n \n\n335 \n	\n \n\n348 \n	\n \n\n349 \n	\n\n	\n \n\n351 \n
\n \n\n运营成本 \n	\n \n\n(289) \n	\n \n\n(267) \n	\n \n\n(254) \n	\n\n	\n \n\n(279) \n	\n \n\n(243) \n	\n \n\n(238) \n	\n \n\n(234) \n	\n\n	\n \n\n(255) \n
\n \n\n英国监管征费 \n	\n \n\n(1) \n	\n \n\n— \n	\n \n\n(3) \n	\n\n	\n \n\n(7) \n	\n \n\n(1) \n	\n \n\n— \n	\n \n\n(2) \n	\n\n	\n \n\n(7) \n
\n \n\n诉讼及行为成本 \n	\n \n\n4 \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n(10) \n	\n \n\n1 \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n(1) \n
\n \n\n运营支出总额 \n	\n \n\n(286) \n	\n \n\n(267) \n	\n \n\n(257) \n	\n\n	\n \n\n(296) \n	\n \n\n(243) \n	\n \n\n(238) \n	\n \n\n(236) \n	\n\n	\n \n\n(263) \n
\n \n\n其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\n减值前利润 \n	\n \n\n83 \n	\n \n\n99 \n	\n \n\n90 \n	\n\n	\n \n\n52 \n	\n \n\n92 \n	\n \n\n110 \n	\n \n\n113 \n	\n\n	\n \n\n88 \n
\n \n\n信贷减值（费用）/转回 \n	\n \n\n(5) \n	\n \n\n(5) \n	\n \n\n2 \n	\n\n	\n \n\n(2) \n	\n \n\n(1) \n	\n \n\n2 \n	\n \n\n9 \n	\n\n	\n \n\n(2) \n
\n \n\n税前利润 \n	\n \n\n78 \n	\n \n\n94 \n	\n \n\n92 \n	\n\n	\n \n\n50 \n	\n \n\n91 \n	\n \n\n112 \n	\n \n\n122 \n	\n\n	\n \n\n86 \n
\n \n\n应占利润 \n	\n \n\n68 \n	\n \n\n75 \n	\n \n\n73 \n	\n\n	\n \n\n35 \n	\n \n\n72 \n	\n \n\n88 \n	\n \n\n96 \n	\n\n	\n \n\n63 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\n按摊余成本计量的贷款及垫款总额¹ \n	\n \n\n16.4 \n	\n \n\n15.1 \n	\n \n\n15.1 \n	\n\n	\n \n\n15.1 \n	\n \n\n15.2 \n	\n \n\n14.8 \n	\n \n\n14.8 \n	\n\n	\n \n\n14.7 \n
\n \n\n按摊余成本计量的客户贷款及垫款 \n	\n \n\n16.1 \n	\n \n\n14.8 \n	\n \n\n14.7 \n	\n\n	\n \n\n14.7 \n	\n \n\n14.9 \n	\n \n\n14.5 \n	\n \n\n14.5 \n	\n\n	\n \n\n14.5 \n
\n \n\n按摊余成本计量的存款 \n	\n \n\n74.4 \n	\n \n\n72.7 \n	\n \n\n73.3 \n	\n\n	\n \n\n72.0 \n	\n \n\n70.6 \n	\n \n\n66.7 \n	\n \n\n73.1 \n	\n\n	\n \n\n69.5 \n
\n \n\n风险加权资产 \n	\n \n\n8.1 \n	\n \n\n8.0 \n	\n \n\n8.2 \n	\n\n	\n \n\n8.0 \n	\n \n\n7.9 \n	\n \n\n7.9 \n	\n \n\n8.0 \n	\n\n	\n \n\n7.9 \n
\n \n\n期末分配的有形权益 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n \n\n1.1 \n
\n \n\n客户资产与负债² \n	\n \n\n234.0 \n	\n \n\n230.2 \n	\n \n\n223.8 \n	\n\n	\n \n\n227.6 \n	\n \n\n221.5 \n	\n \n\n213.4 \n	\n \n\n212.4 \n	\n\n	\n \n\n208.9 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n业绩指标 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n平均分配有形权益回报率 \n	\n \n\n23.8% \n	\n \n\n 26.9 % \n	\n \n\n 25.5 % \n	\n\n	\n \n\n 12.6 % \n	\n \n\n26.4% \n	\n \n\n31.9% \n	\n \n\n34.5% \n	\n\n	\n \n\n23.9% \n
\n \n\n平均分配有形权益（£bn） \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n \n\n1.1 \n
\n \n\n成本收入比 \n	\n \n\n78% \n	\n \n\n73% \n	\n \n\n74% \n	\n\n	\n \n\n85% \n	\n \n\n73% \n	\n \n\n68% \n	\n \n\n68% \n	\n\n	\n \n\n75% \n
\n \n\n贷款损失率（基点） \n	\n \n\n12 \n	\n \n\n13 \n	\n \n\n(6) \n	\n\n	\n \n\n5 \n	\n \n\n3 \n	\n \n\n(5) \n	\n \n\n(25) \n	\n\n	\n \n\n5 \n

\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\n按摊余成本计量的贷款及垫款总额包括：按摊余成本计量的客户及银行贷款和垫款、债务证券，以及重新分类为持有待售的投资组合，均未扣除减值准备；该项目是贷款损失率（LLR）指标的分母。 \n
\n \n\n2 \n	\n \n\n客户资产与负债指存款、贷款及投资资产。 \n

\n \n\nBarclays Investment\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n损益表信息 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\n净利息收入 \n	\n \n\n393 \n	\n \n\n411 \n	\n \n\n383 \n	\n\n	\n \n\n356 \n	\n \n\n347 \n	\n \n\n334 \n	\n \n\n297 \n	\n\n	\n \n\n284 \n
\n \n\n净交易收入 \n	\n \n\n1,580 \n	\n \n\n2,271 \n	\n \n\n2,358 \n	\n\n	\n \n\n1,294 \n	\n \n\n1,581 \n	\n \n\n1,906 \n	\n \n\n2,416 \n	\n\n	\n \n\n1,262 \n
\n \n\n净手续费、佣金及其他收入 \n	\n \n\n1,156 \n	\n \n\n1,276 \n	\n \n\n1,287 \n	\n\n	\n \n\n1,142 \n	\n \n\n1,155 \n	\n \n\n1,067 \n	\n \n\n1,160 \n	\n\n	\n \n\n1,061 \n
\n \n\n总收入 \n	\n \n\n3,129 \n	\n \n\n3,958 \n	\n \n\n4,028 \n	\n\n	\n \n\n2,792 \n	\n \n\n3,083 \n	\n \n\n3,307 \n	\n \n\n3,873 \n	\n\n	\n \n\n2,607 \n
\n \n\n运营成本 \n	\n \n\n(2,083) \n	\n \n\n(2,199) \n	\n \n\n(2,107) \n	\n\n	\n \n\n(1,924) \n	\n \n\n(2,010) \n	\n \n\n(1,932) \n	\n \n\n(2,061) \n	\n\n	\n \n\n(1,903) \n
\n \n\n英国监管征费 \n	\n \n\n(3) \n	\n \n\n— \n	\n \n\n(22) \n	\n\n	\n \n\n(159) \n	\n \n\n5 \n	\n \n\n— \n	\n \n\n(27) \n	\n\n	\n \n\n(161) \n
\n \n\n诉讼及行为成本 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n2 \n	\n\n	\n \n\n(8) \n	\n \n\n(9) \n	\n \n\n(8) \n	\n \n\n(3) \n	\n\n	\n \n\n(26) \n
\n \n\n运营支出总额 \n	\n \n\n(2,086) \n	\n \n\n(2,199) \n	\n \n\n(2,127) \n	\n\n	\n \n\n(2,091) \n	\n \n\n(2,014) \n	\n \n\n(1,940) \n	\n \n\n(2,091) \n	\n\n	\n \n\n(2,090) \n
\n \n\n其他净收入 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\n减值前利润 \n	\n \n\n1,043 \n	\n \n\n1,759 \n	\n \n\n1,901 \n	\n\n	\n \n\n701 \n	\n \n\n1,069 \n	\n \n\n1,367 \n	\n \n\n1,782 \n	\n\n	\n \n\n517 \n
\n \n\n信贷减值费用 \n	\n \n\n(33) \n	\n \n\n(44) \n	\n \n\n(279) \n	\n\n	\n \n\n(22) \n	\n \n\n(144) \n	\n \n\n(67) \n	\n \n\n(72) \n	\n\n	\n \n\n(46) \n
\n \n\n税前利润 \n	\n \n\n1,010 \n	\n \n\n1,715 \n	\n \n\n1,622 \n	\n\n	\n \n\n679 \n	\n \n\n925 \n	\n \n\n1,300 \n	\n \n\n1,710 \n	\n\n	\n \n\n471 \n
\n \n\n应占利润 \n	\n \n\n720 \n	\n \n\n1,204 \n	\n \n\n1,111 \n	\n\n	\n \n\n294 \n	\n \n\n723 \n	\n \n\n876 \n	\n \n\n1,199 \n	\n\n	\n \n\n247 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n资产负债表信息 \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\n按摊余成本计量的贷款及垫款总额¹ \n	\n \n\n139.6 \n	\n \n\n137.2 \n	\n \n\n137.4 \n	\n\n	\n \n\n131.0 \n	\n \n\n129.8 \n	\n \n\n126.8 \n	\n \n\n129.6 \n	\n\n	\n \n\n124.9 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n按摊余成本计量的客户贷款及垫款 \n	\n \n\n76.4 \n	\n \n\n70.8 \n	\n \n\n73.6 \n	\n\n	\n \n\n70.0 \n	\n \n\n68.6 \n	\n \n\n66.8 \n	\n \n\n68.6 \n	\n\n	\n \n\n69.7 \n
\n \n按摊余成本计量的银行贷款及垫款 \n	\n \n\n9.7 \n	\n \n\n11.0 \n	\n \n\n10.0 \n	\n\n	\n \n\n7.4 \n	\n \n\n7.5 \n	\n \n\n7.1 \n	\n \n\n7.4 \n	\n\n	\n \n\n6.8 \n
\n \n按摊余成本计量的债务证券 \n	\n \n\n52.8 \n	\n \n\n54.5 \n	\n \n\n52.9 \n	\n\n	\n \n\n52.9 \n	\n \n\n53.0 \n	\n \n\n52.4 \n	\n \n\n53.1 \n	\n\n	\n \n\n47.9 \n
\n \n\n按摊余成本计量的贷款及垫款 \n	\n \n\n138.9 \n	\n \n\n136.3 \n	\n \n\n136.5 \n	\n\n	\n \n\n130.3 \n	\n \n\n129.1 \n	\n \n\n126.3 \n	\n \n\n129.1 \n	\n\n	\n \n\n124.4 \n
\n \n\nTrading portfolio assets \n	\n \n\n212.8 \n	\n \n\n208.2 \n	\n \n\n189.3 \n	\n\n	\n \n\n189.5 \n	\n \n\n191.3 \n	\n \n\n186.1 \n	\n \n\n185.5 \n	\n\n	\n \n\n166.1 \n
\n \n\nDerivative financial instrument assets \n	\n \n\n308.0 \n	\n \n\n302.6 \n	\n \n\n285.4 \n	\n\n	\n \n\n251.5 \n	\n \n\n263.8 \n	\n \n\n279.0 \n	\n \n\n253.6 \n	\n\n	\n \n\n291.6 \n
\n \n\nFinancial assets at fair value through the income\nstatement \n	\n \n\n198.7 \n	\n \n\n209.9 \n	\n \n\n215.6 \n	\n\n	\n \n\n183.6 \n	\n \n\n222.8 \n	\n \n\n215.2 \n	\n \n\n209.5 \n	\n\n	\n \n\n190.4 \n
\n \n\nCash collateral and settlement balances \n	\n \n\n172.2 \n	\n \n\n182.5 \n	\n \n\n189.2 \n	\n\n	\n \n\n121.6 \n	\n \n\n152.1 \n	\n \n\n145.0 \n	\n \n\n148.8 \n	\n\n	\n \n\n111.1 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDeposits at amortised cost \n	\n \n\n166.4 \n	\n \n\n162.3 \n	\n \n\n157.4 \n	\n\n	\n \n\n156.1 \n	\n \n\n152.8 \n	\n \n\n148.7 \n	\n \n\n148.9 \n	\n\n	\n \n\n140.5 \n
\n \n\nDerivative financial instrument liabilities \n	\n \n\n298.2 \n	\n \n\n291.6 \n	\n \n\n272.6 \n	\n\n	\n \n\n240.6 \n	\n \n\n252.0 \n	\n \n\n265.1 \n	\n \n\n245.1 \n	\n\n	\n \n\n279.0 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRisk weighted assets \n	\n \n\n206.1 \n	\n \n\n204.1 \n	\n \n\n201.7 \n	\n\n	\n \n\n196.7 \n	\n \n\n199.1 \n	\n \n\n196.4 \n	\n \n\n195.9 \n	\n\n	\n \n\n198.8 \n
\n \n\nPeriod end allocated tangible equity \n	\n \n\n30.1 \n	\n \n\n30.1 \n	\n \n\n29.6 \n	\n\n	\n \n\n28.9 \n	\n \n\n29.1 \n	\n \n\n28.7 \n	\n \n\n28.9 \n	\n\n	\n \n\n29.3 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nPerformance measures \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\n9.5% \n	\n \n\n16.0% \n	\n \n\n 15.0 % \n	\n\n	\n \n\n 4.0 % \n	\n \n\n10.1% \n	\n \n\n12.2% \n	\n \n\n16.2% \n	\n\n	\n \n\n3.4% \n
\n \n\nAverage allocated tangible equity (£bn) \n	\n \n\n30.4 \n	\n \n\n30.0 \n	\n \n\n29.7 \n	\n\n	\n \n\n29.6 \n	\n \n\n28.6 \n	\n \n\n28.7 \n	\n \n\n29.6 \n	\n\n	\n \n\n29.3 \n
\n \n\nIncome over average risk weighted assets \n	\n \n\n6.1% \n	\n \n\n7.7% \n	\n \n\n8.0% \n	\n\n	\n \n\n5.5% \n	\n \n\n6.3% \n	\n \n\n6.7% \n	\n \n\n7.7% \n	\n\n	\n \n\n5.2% \n
\n \n\nCost: income ratio \n	\n \n\n67% \n	\n \n\n56% \n	\n \n\n53% \n	\n\n	\n \n\n75% \n	\n \n\n65% \n	\n \n\n59% \n	\n \n\n54% \n	\n\n	\n \n\n80% \n
\n \n\nLoan loss rate (bps) \n	\n \n\n9 \n	\n \n\n13 \n	\n \n\n82 \n	\n\n	\n \n\n7 \n	\n \n\n44 \n	\n \n\n21 \n	\n \n\n23 \n	\n\n	\n \n\n15 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nAnalysis of total income \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \nFICC \n	\n \n\n1,012 \n	\n \n\n1,471 \n	\n \n\n1,716 \n	\n\n	\n \n\n1,024 \n	\n \n\n1,256 \n	\n \n\n1,450 \n	\n \n\n1,699 \n	\n\n	\n \n\n934 \n
\n \nEquities \n	\n \n\n1,010 \n	\n \n\n1,261 \n	\n \n\n1,116 \n	\n\n	\n \n\n703 \n	\n \n\n689 \n	\n \n\n870 \n	\n \n\n963 \n	\n\n	\n \n\n604 \n
\n \n\n Global Markets \n	\n \n\n2,022 \n	\n \n\n2,732 \n	\n \n\n2,832 \n	\n\n	\n \n\n1,727 \n	\n \n\n1,945 \n	\n \n\n2,320 \n	\n \n\n2,662 \n	\n\n	\n \n\n1,538 \n
\n \nAdvisory \n	\n \n\n222 \n	\n \n\n188 \n	\n \n\n255 \n	\n\n	\n \n\n214 \n	\n \n\n196 \n	\n \n\n123 \n	\n \n\n143 \n	\n\n	\n \n\n189 \n
\n \nEquity\ncapital markets \n	\n \n\n87 \n	\n \n\n157 \n	\n \n\n92 \n	\n\n	\n \n\n56 \n	\n \n\n71 \n	\n \n\n81 \n	\n \n\n70 \n	\n\n	\n \n\n98 \n
\n \nDebt\ncapital markets \n	\n \n\n347 \n	\n \n\n402 \n	\n \n\n407 \n	\n\n	\n \n\n336 \n	\n \n\n379 \n	\n \n\n364 \n	\n \n\n431 \n	\n\n	\n \n\n327 \n
\n \nBanking\nFees and Underwriting \n	\n \n\n656 \n	\n \n\n747 \n	\n \n\n754 \n	\n\n	\n \n\n606 \n	\n \n\n646 \n	\n \n\n568 \n	\n \n\n644 \n	\n\n	\n \n\n614 \n
\n \nCorporate\nlending \n	\n \n\n(13) \n	\n \n\n37 \n	\n \n\n16 \n	\n\n	\n \n\n27 \n	\n \n\n68 \n	\n \n\n(4) \n	\n \n\n156 \n	\n\n	\n \n\n45 \n
\n \nTransaction\nbanking \n	\n \n\n464 \n	\n \n\n442 \n	\n \n\n426 \n	\n\n	\n \n\n432 \n	\n \n\n424 \n	\n \n\n423 \n	\n \n\n411 \n	\n\n	\n \n\n410 \n
\n \nInternational\nCorporate Banking \n	\n \n\n451 \n	\n \n\n479 \n	\n \n\n442 \n	\n\n	\n \n\n459 \n	\n \n\n492 \n	\n \n\n419 \n	\n \n\n567 \n	\n\n	\n \n\n455 \n
\n \n\n Investment Banking \n	\n \n\n1,107 \n	\n \n\n1,226 \n	\n \n\n1,196 \n	\n\n	\n \n\n1,065 \n	\n \n\n1,138 \n	\n \n\n987 \n	\n \n\n1,211 \n	\n\n	\n \n\n1,069 \n
\n \n\nTotal income \n	\n \n\n3,129 \n	\n \n\n3,958 \n	\n \n\n4,028 \n	\n\n	\n \n\n2,792 \n	\n \n\n3,083 \n	\n \n\n3,307 \n	\n \n\n3,873 \n	\n\n	\n \n\n2,607 \n

\n\n\n\n

\n\n1

\n\nGross loans and advances at amortised cost comprises: loans and\nadvances to customers and banks at amortised cost, debt securities,\nand portfolios reclassified as held for sale, gross of impairment\nallowance, and is the denominator used in the LLR\nmetric.

\n \n\nBarclays US Consumer\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\nIncome statement information \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nNet interest income \n	\n \n\n749 \n	\n \n\n732 \n	\n \n\n823 \n	\n\n	\n \n\n776 \n	\n \n\n726 \n	\n \n\n640 \n	\n \n\n678 \n	\n\n	\n \n\n678 \n
\n \n\nNet fee, commission, trading and other income \n	\n \n\n179 \n	\n \n\n404 \n	\n \n\n160 \n	\n\n	\n \n\n277 \n	\n \n\n215 \n	\n \n\n183 \n	\n \n\n186 \n	\n\n	\n \n\n179 \n
\n \n\nTotal income \n	\n \n\n928 \n	\n \n\n1,136 \n	\n \n\n983 \n	\n\n	\n \n\n1,053 \n	\n \n\n941 \n	\n \n\n823 \n	\n \n\n864 \n	\n\n	\n \n\n857 \n
\n \n\nOperating costs \n	\n \n\n(459) \n	\n \n\n(442) \n	\n \n\n(380) \n	\n\n	\n \n\n(427) \n	\n \n\n(407) \n	\n \n\n(396) \n	\n \n\n(407) \n	\n\n	\n \n\n(433) \n
\n \n\nUK regulatory levies \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\nLitigation and conduct \n	\n \n\n(3) \n	\n \n\n(2) \n	\n \n\n— \n	\n\n	\n \n\n(5) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(3) \n	\n\n	\n \n\n— \n
\n \n\nTotal operating expenses \n	\n \n\n(462) \n	\n \n\n(444) \n	\n \n\n(380) \n	\n\n	\n \n\n(432) \n	\n \n\n(407) \n	\n \n\n(396) \n	\n \n\n(410) \n	\n\n	\n \n\n(433) \n
\n \n\nOther net income \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\nProfit before impairment \n	\n \n\n466 \n	\n \n\n692 \n	\n \n\n603 \n	\n\n	\n \n\n621 \n	\n \n\n534 \n	\n \n\n427 \n	\n \n\n454 \n	\n\n	\n \n\n424 \n
\n \n\nCredit impairment charges \n	\n \n\n(340) \n	\n \n\n(346) \n	\n \n\n(367) \n	\n\n	\n \n\n(431) \n	\n \n\n(379) \n	\n \n\n(312) \n	\n \n\n(399) \n	\n\n	\n \n\n(298) \n
\n \n\nProfit before tax \n	\n \n\n126 \n	\n \n\n346 \n	\n \n\n236 \n	\n\n	\n \n\n190 \n	\n \n\n155 \n	\n \n\n115 \n	\n \n\n55 \n	\n\n	\n \n\n126 \n
\n \n\nAttributable profit \n	\n \n\n92 \n	\n \n\n253 \n	\n \n\n176 \n	\n\n	\n \n\n144 \n	\n \n\n118 \n	\n \n\n87 \n	\n \n\n41 \n	\n\n	\n \n\n94 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nBalance sheet information \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances at amortised cost1 \n	\n \n\n25.5 \n	\n \n\n25.0 \n	\n \n\n30.3 \n	\n\n	\n \n\n30.6 \n	\n \n\n29.8 \n	\n \n\n27.4 \n	\n \n\n28.9 \n	\n\n	\n \n\n30.0 \n
\n \n\nLoans and advances to customers at amortised cost \n	\n \n\n22.3 \n	\n \n\n21.7 \n	\n \n\n21.0 \n	\n\n	\n \n\n21.1 \n	\n \n\n20.0 \n	\n \n\n18.2 \n	\n \n\n18.8 \n	\n\n	\n \n\n20.0 \n
\n \n\nDeposits at amortised cost \n	\n \n\n25.1 \n	\n \n\n24.7 \n	\n \n\n25.0 \n	\n\n	\n \n\n24.2 \n	\n \n\n23.7 \n	\n \n\n22.5 \n	\n \n\n23.8 \n	\n\n	\n \n\n23.3 \n
\n \n\nRisk weighted assets \n	\n \n\n24.3 \n	\n \n\n24.3 \n	\n \n\n27.6 \n	\n\n	\n \n\n27.4 \n	\n \n\n25.8 \n	\n \n\n24.7 \n	\n \n\n25.6 \n	\n\n	\n \n\n26.8 \n
\n \n\nPeriod end allocated tangible equity \n	\n \n\n3.3 \n	\n \n\n3.4 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.8 \n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n \n\n3.5 \n	\n\n	\n \n\n3.7 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nPerformance measures \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity2 \n	\n \n\n10.9% \n	\n \n\n 30.2% \n	\n \n\n18.8% \n	\n\n	\n \n\n15.8% \n	\n \n\n13.5% \n	\n \n\n10.2% \n	\n \n\n4.5% \n	\n\n	\n \n\n11.2% \n
\n \n\nAverage allocated tangible equity (£bn) \n	\n \n\n3.4 \n	\n \n\n3.3 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.6 \n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n \n\n3.6 \n	\n\n	\n \n\n3.4 \n
\n \n\nCost: income ratio \n	\n \n\n50% \n	\n \n\n39% \n	\n \n\n39% \n	\n\n	\n \n\n41% \n	\n \n\n43% \n	\n \n\n48% \n	\n \n\n47% \n	\n\n	\n \n\n51% \n
\n \n\nLoan loss rate (bps)3 \n	\n \n\n529 \n	\n \n\n555 \n	\n \n\n491 \n	\n\n	\n \n\n558 \n	\n \n\n505 \n	\n \n\n456 \n	\n \n\n562 \n	\n\n	\n \n\n395 \n
\n \n\nNet interest margin \n	\n \n\n13.74% \n	\n \n\n13.20% \n	\n \n\n12.76% \n	\n\n	\n \n\n11.63% \n	\n \n\n11.50% \n	\n \n\n10.83% \n	\n \n\n10.53% \n	\n\n	\n \n\n10.66% \n

\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nGross loans and advances at amortised cost comprises: loans and\nadvances to customers and banks at amortised cost, debt securities,\nand portfolios reclassified as held for sale, gross of impairment\nallowance, and is the denominator used in the LLR\nmetric. \n
\n \n\n2 \n	\n \n\nReturn on average allocated tangible equity, excluding a\nc.£225m Q226 gain on sale (recorded in Net fee, commission and\nother income) from the AA portfolio exit, was 10.5% for Q226, as a\nresult of an adjusted attributable profit of\n£87m. \n
\n \n\n3 \n	\n \n\nLLR includes held for sale portfolios to remain consistent with the\ntreatment of impairment in Q424 to Q126. \n

\n \n\nHead Office \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\nIncome statement information \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nNet interest income \n	\n \n\n35 \n	\n \n\n149 \n	\n \n\n(53) \n	\n\n	\n \n\n(11) \n	\n \n\n138 \n	\n \n\n114 \n	\n \n\n174 \n	\n\n	\n \n\n183 \n
\n \n\nNet fee, commission and other income \n	\n \n\n(18) \n	\n \n\n(88) \n	\n \n\n70 \n	\n\n	\n \n\n94 \n	\n \n\n(105) \n	\n \n\n(43) \n	\n \n\n(109) \n	\n\n	\n \n\n(107) \n
\n \n\nTotal income \n	\n \n\n17 \n	\n \n\n61 \n	\n \n\n17 \n	\n\n	\n \n\n83 \n	\n \n\n33 \n	\n \n\n71 \n	\n \n\n65 \n	\n\n	\n \n\n76 \n
\n \n\nOperating costs \n	\n \n\n(204) \n	\n \n\n(163) \n	\n \n\n(205) \n	\n\n	\n \n\n(203) \n	\n \n\n(162) \n	\n \n\n(175) \n	\n \n\n(207) \n	\n\n	\n \n\n(233) \n
\n \n\nUK regulatory levies \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n(8) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n(9) \n
\n \n\nLitigation and conduct \n	\n \n\n7 \n	\n \n\n(1) \n	\n \n\n(107) \n	\n\n	\n \n\n(13) \n	\n \n\n(239) \n	\n \n\n(2) \n	\n \n\n(3) \n	\n\n	\n \n\n(84) \n
\n \n\nTotal operating expenses \n	\n \n\n(197) \n	\n \n\n(164) \n	\n \n\n(312) \n	\n\n	\n \n\n(224) \n	\n \n\n(401) \n	\n \n\n(177) \n	\n \n\n(210) \n	\n\n	\n \n\n(326) \n
\n \n\nOther net income/(expenses) \n	\n \n\n20 \n	\n \n\n3 \n	\n \n\n21 \n	\n\n	\n \n\n(25) \n	\n \n\n39 \n	\n \n\n(9) \n	\n \n\n18 \n	\n\n	\n \n\n— \n
\n \n\n(Loss)/profit before impairment \n	\n \n\n(160) \n	\n \n\n(100) \n	\n \n\n(274) \n	\n\n	\n \n\n(166) \n	\n \n\n(329) \n	\n \n\n(115) \n	\n \n\n(127) \n	\n\n	\n \n\n(250) \n
\n \n\nCredit impairment releases/(charges) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n2 \n	\n\n	\n \n\n(5) \n	\n \n\n(1) \n	\n \n\n(1) \n	\n \n\n(4) \n	\n\n	\n \n\n(42) \n
\n \n\nLoss before tax \n	\n \n\n(160) \n	\n \n\n(100) \n	\n \n\n(272) \n	\n\n	\n \n\n(171) \n	\n \n\n(330) \n	\n \n\n(116) \n	\n \n\n(131) \n	\n\n	\n \n\n(292) \n
\n \n\nAttributable loss \n	\n \n\n(118) \n	\n \n\n(97) \n	\n \n\n(206) \n	\n\n	\n \n\n(152) \n	\n \n\n(299) \n	\n \n\n(114) \n	\n \n\n(124) \n	\n\n	\n \n\n(318) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nBalance sheet information \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nRisk weighted assets \n	\n \n\n13.2 \n	\n \n\n12.7 \n	\n \n\n12.3 \n	\n\n	\n \n\n12.3 \n	\n \n\n12.7 \n	\n \n\n12.6 \n	\n \n\n12.7 \n	\n\n	\n \n\n16.2 \n
\n \n\nPeriod end allocated tangible equity \n	\n \n\n4.0 \n	\n \n\n6.5 \n	\n \n\n5.4 \n	\n\n	\n \n\n7.5 \n	\n \n\n5.8 \n	\n \n\n5.9 \n	\n \n\n4.7 \n	\n\n	\n \n\n2.4 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nPerformance measures \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nAverage allocated tangible equity (£bn) \n	\n \n\n5.1 \n	\n \n\n5.6 \n	\n \n\n6.8 \n	\n\n	\n \n\n6.7 \n	\n \n\n6.6 \n	\n \n\n5.5 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.4 \n

\n\nPerformance\nManagement

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nMargins and\nbalances \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nNine months ended 30.09.26 \n	\n \n\nNine months ended 30.09.25 \n
\n\n	\n \n\nNet interest income \n	\n \n\nAverage customer assets \n	\n \n\nNet interest margin \n	\n \n\nNet interest income \n	\n \n\nAverage customer assets \n	\n \n\nNet interest margin \n
\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n% \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n% \n
\n \n\nBarclays UK \n	\n \n\n6,059 \n	\n \n\n219,112 \n	\n \n\n 3.70 \n	\n \n\n5,638 \n	\n \n\n209,779 \n	\n \n\n 3.59 \n
\n \n\nBarclays UK Corporate Bank \n	\n \n\n1,244 \n	\n \n\n29,460 \n	\n \n\n 5.65 \n	\n \n\n1,084 \n	\n \n\n25,584 \n	\n \n\n 5.66 \n
\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\n643 \n	\n \n\n15,193 \n	\n \n\n 5.66 \n	\n \n\n597 \n	\n \n\n14,735 \n	\n \n\n 5.42 \n
\n \n\nBarclays US Consumer Bank \n	\n \n\n2,304 \n	\n \n\n23,344 \n	\n \n\n 13.20 \n	\n \n\n2,044 \n	\n \n\n24,930 \n	\n \n\n 10.96 \n
\n \n\nGroup excluding IB and Head Office \n	\n \n\n10,250 \n	\n \n\n287,109 \n	\n \n\n 4.77 \n	\n \n\n9,363 \n	\n \n\n275,028 \n	\n \n\n 4.55 \n
\n \n\nBarclays Investment Bank \n	\n \n\n1,187 \n	\n\n	\n\n	\n \n\n978 \n	\n\n	\n\n
\n \n\nHead Office \n	\n \n\n131 \n	\n\n	\n\n	\n \n\n426 \n	\n\n	\n\n
\n \n\nBarclays Group Net interest income \n	\n \n\n11,568 \n	\n\n	\n\n	\n \n\n10,767 \n	\n\n	\n\n

\n\nThe Group excluding IB and Head Office net interest margin\nincreased by 22bps from 4.55% in Q325 to 4.77% in Q326 due to Group\nstructural hedge income, partner reward updates and changes in\nportfolio mix in USCB.

\n \n\nQuarterly analysis \n	\n\n	\n\n
\n\n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n \n\nQ425 \n	\n \n\nQ325 \n
\n \n\nNet interest income \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nBarclays UK \n	\n \n\n2,073 \n	\n \n\n2,000 \n	\n \n\n1,986 \n	\n \n\n2,015 \n	\n \n\n1,961 \n
\n \n\nBarclays UK Corporate Bank \n	\n \n\n437 \n	\n \n\n413 \n	\n \n\n394 \n	\n \n\n396 \n	\n \n\n383 \n
\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\n223 \n	\n \n\n216 \n	\n \n\n204 \n	\n \n\n202 \n	\n \n\n190 \n
\n \n\nBarclays US Consumer Bank \n	\n \n\n749 \n	\n \n\n732 \n	\n \n\n823 \n	\n \n\n776 \n	\n \n\n726 \n
\n \n\nGroup excluding IB and Head Office \n	\n \n\n3,482 \n	\n \n\n3,361 \n	\n \n\n3,407 \n	\n \n\n3,389 \n	\n \n\n3,260 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nAverage customer assets \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nBarclays UK \n	\n \n\n222,936 \n	\n \n\n217,778 \n	\n \n\n216,623 \n	\n \n\n214,770 \n	\n \n\n211,384 \n
\n \n\nBarclays UK Corporate Bank \n	\n \n\n30,224 \n	\n \n\n29,603 \n	\n \n\n28,536 \n	\n \n\n27,841 \n	\n \n\n26,645 \n
\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\n15,620 \n	\n \n\n14,936 \n	\n \n\n15,022 \n	\n \n\n15,105 \n	\n \n\n14,802 \n
\n \n\nBarclays US Consumer Bank \n	\n \n\n21,624 \n	\n \n\n22,247 \n	\n \n\n26,163 \n	\n \n\n26,470 \n	\n \n\n25,037 \n
\n \n\nGroup excluding IB and Head Office \n	\n \n\n290,404 \n	\n \n\n284,564 \n	\n \n\n286,344 \n	\n \n\n284,186 \n	\n \n\n277,868 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nNet interest margin \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nBarclays UK \n	\n \n\n3.69 \n	\n \n\n3.68 \n	\n \n\n3.72 \n	\n \n\n3.72 \n	\n \n\n3.68 \n
\n \n\nBarclays UK Corporate Bank \n	\n \n\n5.74 \n	\n \n\n5.60 \n	\n \n\n5.60 \n	\n \n\n5.64 \n	\n \n\n5.70 \n
\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\n5.66 \n	\n \n\n5.80 \n	\n \n\n5.51 \n	\n \n\n5.31 \n	\n \n\n5.09 \n
\n \n\nBarclays US Consumer Bank \n	\n \n\n13.74 \n	\n \n\n13.20 \n	\n \n\n12.76 \n	\n \n\n11.63 \n	\n \n\n11.50 \n
\n \n\nGroup excluding IB and Head Office \n	\n \n\n4.76 \n	\n \n\n4.74 \n	\n \n\n4.83 \n	\n \n\n4.73 \n	\n \n\n4.65 \n

\n\nStructural hedge

\n\nThe Group employs a structural hedge programme designed to\nstabilise NIM on fixed rate non-maturity balance sheet items that\nare behaviourally stable. As interest rates move, such balances\nwould otherwise drive material income volatility where there is a\nre-pricing mismatch with floating rate assets.

\n\nThe structural hedge predominantly covers non-interest-bearing\ncurrent accounts and the fixed portion of instant access savings\naccounts as well as equity, which are invested into either floating\nrate customer assets or balances at central banks, creating an\nexposure to changes in interest rates. The structural hedge is\nexecuted primarily via a portfolio of receive-fixed, pay variable\ninterest rate swaps, with an amortising structure so that a small\nportion matures and is reinvested each month at prevailing market\nrates. The pay-floating leg of the interest rate swaps nets down a\nproportion of the receive-floating income from the customer assets,\nleaving a receive-fixed income stream from the structural\nhedge.

\n\nThe purpose of the structural hedge is to smooth the Group NII\nthrough time. The floating leg of the swap will re-price\nimmediately, whereas the fixed rate yield on the portfolio reprices\ngradually, as a portion of the swap portfolio matures and the roll\nis re-invested onto new market rates.

\n\nWhen interest rates are higher than our structural hedge yield, the\npay-floating rate will typically be higher than our average\nreceive-fixed rate. In this scenario, when viewed in isolation, the\nstructural hedge will be a net drag to Group NII. When floating\nrates are lower than our structural hedge yield, the hedge in\nisolation will be a net benefit.

\n\nSince the receive-fixed swaps are booked for a specific term, an\nelement of NII is ‘locked in’. The income stabilising\nfeature of the structural hedge provides greater net interest\nincome certainty through the interest rate cycle.

\n\nThe structural hedge is one component of a larger portfolio of\ninterest rate risk management activities that includes\nnon-structural hedging (e.g. pay-fixed and receive-variable flows\nfor asset hedging), and other offsetting flows. The net risk of\nthese positions is executed externally through interest rate swaps\nand managed for accounting risk (i.e. income volatility arising\nfrom the accounting mismatch of swaps at fair value through profit\nand loss and underlying hedged items at amortised cost) within the\ncash flow hedging reserve.

\n\nOverall the Group has external derivatives designated as cash flow\nhedges that hedge interest rate risk with a notional of\n£122.2bn (December 2025: £114.6bn) which reflects the\nstructural hedge derivatives notional of £240.6bn (December\n2025: £236.1bn) netted with non-structural hedging positions\nof £118.4bn (December 2025: £121.5bn). The majority of\nthese interest rate swaps are cleared with Central Clearing\nCounterparties and margined daily with an average structural hedge\nduration of c.3.5 years.

\n\nGross structural hedge contributions were £5,352m (September\n2025: £4,313m). Gross structural hedge contributions primarily\nrepresent the absolute interest income earned on the fixed legs of\nthe swaps in the structural hedge as the floating leg is offset by\nthe base rate funding of the deposits.

\n\nCredit\nRisk

\n\nLoans and advances at amortised cost\nby geography

\n\nTotal loans and advances at amortised cost in the credit risk\nsection includes loans and advances at amortised cost to banks and\nloans and advances at amortised cost to customers.

\n\nThe table below presents a product and geographical breakdown of\nloans and advances at amortised cost and the impairment allowance\nby stage. The table also presents stage allocation of debt\nsecurities and off-balance sheet loan commitments and financial\nguarantee contracts.

\n\nThe impairment allowance under IFRS 9 considers both the drawn and\nthe undrawn counterparty exposure. For retail portfolios, the total\nimpairment allowance is allocated to gross loans and advances to\nthe extent allowance does not exceed the drawn exposure and any\nexcess is reported on the liabilities side of the balance sheet as\na provision. For wholesale portfolios, impairment allowance on\nundrawn exposure is reported on the liability side of the balance\nsheet as a provision.

\n\n	\n \n\nGross exposure \n	\n\n	\n \n\nImpairment allowance \n
\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 35 \n	\n \n\nTotal \n	\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 3 \n	\n \n\nTotal \n
\n \n\nAs at 30.09.26 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nRetail mortgages \n	\n \n\n168,607 \n	\n \n\n13,370 \n	\n \n\n1,797 \n	\n \n\n183,774 \n	\n\n	\n \n\n18 \n	\n \n\n20 \n	\n \n\n62 \n	\n \n\n100 \n
\n \n\nRetail credit cards \n	\n \n\n15,336 \n	\n \n\n2,231 \n	\n \n\n245 \n	\n \n\n17,812 \n	\n\n	\n \n\n161 \n	\n \n\n457 \n	\n \n\n155 \n	\n \n\n773 \n
\n \n\nRetail other \n	\n \n\n9,209 \n	\n \n\n1,705 \n	\n \n\n223 \n	\n \n\n11,137 \n	\n\n	\n \n\n106 \n	\n \n\n183 \n	\n \n\n181 \n	\n \n\n470 \n
\n \n\nCorporate loans1 \n	\n \n\n56,882 \n	\n \n\n6,394 \n	\n \n\n1,624 \n	\n \n\n64,900 \n	\n\n	\n \n\n93 \n	\n \n\n170 \n	\n \n\n549 \n	\n \n\n812 \n
\n \n\nTotal UK \n	\n \n\n250,034 \n	\n \n\n23,700 \n	\n \n\n3,889 \n	\n \n\n277,623 \n	\n\n	\n \n\n378 \n	\n \n\n830 \n	\n \n\n947 \n	\n \n\n2,155 \n
\n \n\nRetail mortgages \n	\n \n\n1,649 \n	\n \n\n264 \n	\n \n\n161 \n	\n \n\n2,074 \n	\n\n	\n \n\n3 \n	\n \n\n1 \n	\n \n\n25 \n	\n \n\n29 \n
\n \n\nRetail credit cards \n	\n \n\n19,282 \n	\n \n\n2,883 \n	\n \n\n1,779 \n	\n \n\n23,944 \n	\n\n	\n \n\n400 \n	\n \n\n815 \n	\n \n\n1,418 \n	\n \n\n2,633 \n
\n \n\nRetail other \n	\n \n\n4,219 \n	\n \n\n350 \n	\n \n\n70 \n	\n \n\n4,639 \n	\n\n	\n \n\n16 \n	\n \n\n8 \n	\n \n\n18 \n	\n \n\n42 \n
\n \n\nCorporate loans \n	\n \n\n75,248 \n	\n \n\n3,615 \n	\n \n\n1,892 \n	\n \n\n80,755 \n	\n\n	\n \n\n76 \n	\n \n\n133 \n	\n \n\n292 \n	\n \n\n501 \n
\n \n\nTotal Rest of the World \n	\n \n\n100,398 \n	\n \n\n7,112 \n	\n \n\n3,902 \n	\n \n\n111,412 \n	\n\n	\n \n\n495 \n	\n \n\n957 \n	\n \n\n1,753 \n	\n \n\n3,205 \n
\n \n\nTotal loans and advances at amortised cost \n	\n \n\n350,432 \n	\n \n\n30,812 \n	\n \n\n7,791 \n	\n \n\n389,035 \n	\n\n	\n \n\n873 \n	\n \n\n1,787 \n	\n \n\n2,700 \n	\n \n\n5,360 \n
\n \n\nDebt securities at amortised cost \n	\n \n\n69,553 \n	\n \n\n1,255 \n	\n \n\n— \n	\n \n\n70,808 \n	\n\n	\n \n\n11 \n	\n \n\n10 \n	\n \n\n— \n	\n \n\n21 \n
\n \n\nTotal loans and advances at amortised cost including debt\nsecurities \n	\n \n\n419,985 \n	\n \n\n32,067 \n	\n \n\n7,791 \n	\n \n\n459,843 \n	\n\n	\n \n\n884 \n	\n \n\n1,797 \n	\n \n\n2,700 \n	\n \n\n5,381 \n
\n \n\nOff-balance sheet loan commitments and financial guarantee\ncontracts2 \n	\n \n\n403,993 \n	\n \n\n16,478 \n	\n \n\n1,166 \n	\n \n\n421,637 \n	\n\n	\n \n\n155 \n	\n \n\n225 \n	\n \n\n33 \n	\n \n\n413 \n
\n \n\nTotal3,4 \n	\n \n\n823,978 \n	\n \n\n48,545 \n	\n \n\n8,957 \n	\n \n\n881,480 \n	\n\n	\n \n\n1,039 \n	\n \n\n2,022 \n	\n \n\n2,733 \n	\n \n\n5,794 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nNet exposure \n	\n\n	\n \n\nCoverage ratio \n
\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 35 \n	\n \n\nTotal \n	\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 3 \n	\n \n\nTotal \n
\n \n\nAs at 30.09.26 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nRetail mortgages \n	\n \n\n168,589 \n	\n \n\n13,350 \n	\n \n\n1,735 \n	\n \n\n183,674 \n	\n\n	\n \n\n — \n	\n \n\n 0.1 \n	\n \n\n 3.5 \n	\n \n\n 0.1 \n
\n \n\nRetail credit cards \n	\n \n\n15,175 \n	\n \n\n1,774 \n	\n \n\n90 \n	\n \n\n17,039 \n	\n\n	\n \n\n 1.0 \n	\n \n\n 20.5 \n	\n \n\n 63.3 \n	\n \n\n 4.3 \n
\n \n\nRetail other \n	\n \n\n9,103 \n	\n \n\n1,522 \n	\n \n\n42 \n	\n \n\n10,667 \n	\n\n	\n \n\n 1.2 \n	\n \n\n 10.7 \n	\n \n\n 81.2 \n	\n \n\n 4.2 \n
\n \n\nCorporate loans1 \n	\n \n\n56,789 \n	\n \n\n6,224 \n	\n \n\n1,075 \n	\n \n\n64,088 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 2.7 \n	\n \n\n 33.8 \n	\n \n\n 1.3 \n
\n \n\nTotal UK \n	\n \n\n249,656 \n	\n \n\n22,870 \n	\n \n\n2,942 \n	\n \n\n275,468 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 3.5 \n	\n \n\n 24.4 \n	\n \n\n 0.8 \n
\n \n\nRetail mortgages \n	\n \n\n1,646 \n	\n \n\n263 \n	\n \n\n136 \n	\n \n\n2,045 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 0.4 \n	\n \n\n 15.5 \n	\n \n\n 1.4 \n
\n \n\nRetail credit cards \n	\n \n\n18,882 \n	\n \n\n2,068 \n	\n \n\n361 \n	\n \n\n21,311 \n	\n\n	\n \n\n 2.1 \n	\n \n\n 28.3 \n	\n \n\n 79.7 \n	\n \n\n 11.0 \n
\n \n\nRetail other \n	\n \n\n4,203 \n	\n \n\n342 \n	\n \n\n52 \n	\n \n\n4,597 \n	\n\n	\n \n\n 0.4 \n	\n \n\n 2.3 \n	\n \n\n 25.7 \n	\n \n\n 0.9 \n
\n \n\nCorporate loans \n	\n \n\n75,172 \n	\n \n\n3,482 \n	\n \n\n1,600 \n	\n \n\n80,254 \n	\n\n	\n \n\n 0.1 \n	\n \n\n 3.7 \n	\n \n\n 15.4 \n	\n \n\n 0.6 \n
\n \n\nTotal Rest of the World \n	\n \n\n99,903 \n	\n \n\n6,155 \n	\n \n\n2,149 \n	\n \n\n108,207 \n	\n\n	\n \n\n 0.5 \n	\n \n\n 13.5 \n	\n \n\n 44.9 \n	\n \n\n 2.9 \n
\n \n\nTotal loans and advances at amortised cost \n	\n \n\n349,559 \n	\n \n\n29,025 \n	\n \n\n5,091 \n	\n \n\n383,675 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 5.8 \n	\n \n\n 34.7 \n	\n \n\n 1.4 \n
\n \n\nDebt securities at amortised cost \n	\n \n\n69,542 \n	\n \n\n1,245 \n	\n \n\n— \n	\n \n\n70,787 \n	\n\n	\n \n\n — \n	\n \n\n 0.8 \n	\n \n\n — \n	\n \n\n — \n
\n \n\nTotal loans and advances at amortised cost including debt\nsecurities \n	\n \n\n419,101 \n	\n \n\n30,270 \n	\n \n\n5,091 \n	\n \n\n454,462 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 5.6 \n	\n \n\n 34.7 \n	\n \n\n 1.2 \n
\n \n\nOff-balance sheet loan commitments and financial guarantee\ncontracts2 \n	\n \n\n403,838 \n	\n \n\n16,253 \n	\n \n\n1,133 \n	\n \n\n421,224 \n	\n\n	\n \n\n — \n	\n \n\n 1.4 \n	\n \n\n 2.8 \n	\n \n\n 0.1 \n
\n \n\nTotal3,4 \n	\n \n\n822,939 \n	\n \n\n46,523 \n	\n \n\n6,224 \n	\n \n\n875,686 \n	\n\n	\n \n\n 0.1 \n	\n \n\n 4.2 \n	\n \n\n 30.5 \n	\n \n\n 0.7 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nIncludes Business Banking, which has a gross exposure of\n£12.5bn and an impairment allowance of £280m. This\ncomprises £34m impairment allowance on £10.1bn Stage 1\nexposure, £59m on £1.7bn Stage 2 exposure and £187m\non £0.7bn Stage 3 exposure. Excluding this, total coverage for\ncorporate loans in UK is 1.0%. \n
\n \n\n2 \n	\n \n\nExcludes loan commitments and financial guarantees of £37.7bn\ncarried at fair value. \n
\n \n\n3 \n	\n \n\nExcludes other financial assets subject to impairment comprising of\ncash collateral and settlement balances, reverse repurchase\nagreements and other similar secured lending, financial assets at\nfair value through other comprehensive income and other assets.\nThese have a total gross exposure of £275.0bn and an\nimpairment allowance of £149m. This comprises £20m\nimpairment allowance on £274.6bn Stage 1 exposure, £8m on\n£0.4bn Stage 2 exposure and £121m on £128m Stage 3\nexposure. \n
\n \n\n4 \n	\n \n\nThe annualised loan loss rate is 55bps after applying the total\nimpairment charges of £1,897m. \n
\n \n\n5 \n	\n \n\nPurchased or originated credit-impaired (POCI) balances are no\nlonger presented following the sale of those balances as part of\nthe Tesco debt sale completed in September 2026. The corresponding\nFY25 balances of £44m are included within Stage 3 exposure as\nat 31.12.25. \n

\n\n	\n \n\nGross exposure \n	\n\n	\n \n\nImpairment allowance \n
\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 35 \n	\n \n\nTotal \n	\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 3 \n	\n \n\nTotal \n
\n \n\nAs at 31.12.25 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nRetail mortgages \n	\n \n\n159,825 \n	\n \n\n13,757 \n	\n \n\n1,836 \n	\n \n\n175,418 \n	\n\n	\n \n\n15 \n	\n \n\n16 \n	\n \n\n60 \n	\n \n\n91 \n
\n \n\nRetail credit cards \n	\n \n\n14,922 \n	\n \n\n1,943 \n	\n \n\n303 \n	\n \n\n17,168 \n	\n\n	\n \n\n171 \n	\n \n\n398 \n	\n \n\n174 \n	\n \n\n743 \n
\n \n\nRetail other \n	\n \n\n9,867 \n	\n \n\n1,512 \n	\n \n\n301 \n	\n \n\n11,680 \n	\n\n	\n \n\n98 \n	\n \n\n178 \n	\n \n\n214 \n	\n \n\n490 \n
\n \n\nCorporate loans1 \n	\n \n\n54,182 \n	\n \n\n6,936 \n	\n \n\n1,392 \n	\n \n\n62,510 \n	\n\n	\n \n\n125 \n	\n \n\n180 \n	\n \n\n422 \n	\n \n\n727 \n
\n \n\nTotal UK \n	\n \n\n238,796 \n	\n \n\n24,148 \n	\n \n\n3,832 \n	\n \n\n266,776 \n	\n\n	\n \n\n409 \n	\n \n\n772 \n	\n \n\n870 \n	\n \n\n2,051 \n
\n \n\nRetail mortgages \n	\n \n\n1,829 \n	\n \n\n72 \n	\n \n\n131 \n	\n \n\n2,032 \n	\n\n	\n \n\n2 \n	\n \n\n— \n	\n \n\n24 \n	\n \n\n26 \n
\n \n\nRetail credit cards \n	\n \n\n18,801 \n	\n \n\n2,536 \n	\n \n\n1,776 \n	\n \n\n23,113 \n	\n\n	\n \n\n395 \n	\n \n\n796 \n	\n \n\n1,395 \n	\n \n\n2,586 \n
\n \n\nRetail other \n	\n \n\n2,482 \n	\n \n\n206 \n	\n \n\n63 \n	\n \n\n2,751 \n	\n\n	\n \n\n3 \n	\n \n\n5 \n	\n \n\n19 \n	\n \n\n27 \n
\n \n\nCorporate loans \n	\n \n\n66,671 \n	\n \n\n3,702 \n	\n \n\n1,767 \n	\n \n\n72,140 \n	\n\n	\n \n\n82 \n	\n \n\n135 \n	\n \n\n382 \n	\n \n\n599 \n
\n \n\nTotal Rest of the World \n	\n \n\n89,783 \n	\n \n\n6,516 \n	\n \n\n3,737 \n	\n \n\n100,036 \n	\n\n	\n \n\n482 \n	\n \n\n936 \n	\n \n\n1,820 \n	\n \n\n3,238 \n
\n \n\nTotal loans and advances at amortised cost \n	\n \n\n328,579 \n	\n \n\n30,664 \n	\n \n\n7,569 \n	\n \n\n366,812 \n	\n\n	\n \n\n891 \n	\n \n\n1,708 \n	\n \n\n2,690 \n	\n \n\n5,289 \n
\n \n\nDebt securities at amortised cost \n	\n \n\n68,126 \n	\n \n\n371 \n	\n \n\n— \n	\n \n\n68,497 \n	\n\n	\n \n\n13 \n	\n \n\n9 \n	\n \n\n— \n	\n \n\n22 \n
\n \n\nTotal loans and advances at amortised cost including debt\nsecurities \n	\n \n\n396,705 \n	\n \n\n31,035 \n	\n \n\n7,569 \n	\n \n\n435,309 \n	\n\n	\n \n\n904 \n	\n \n\n1,717 \n	\n \n\n2,690 \n	\n \n\n5,311 \n
\n \n\nOff-balance sheet loan commitments and financial guarantee\ncontracts2 \n	\n \n\n410,493 \n	\n \n\n16,473 \n	\n \n\n817 \n	\n \n\n427,783 \n	\n\n	\n \n\n144 \n	\n \n\n240 \n	\n \n\n32 \n	\n \n\n416 \n
\n \n\nTotal3,4 \n	\n \n\n807,198 \n	\n \n\n47,508 \n	\n \n\n8,386 \n	\n \n\n863,092 \n	\n\n	\n \n\n1,048 \n	\n \n\n1,957 \n	\n \n\n2,722 \n	\n \n\n5,727 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n\n	\n \n\nNet exposure \n	\n\n	\n \n\nCoverage ratio \n
\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 35 \n	\n \n\nTotal \n	\n\n	\n \n\nStage 1 \n	\n \n\nStage 2 \n	\n \n\nStage 3 \n	\n \n\nTotal \n
\n \n\nAs at 31.12.25 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nRetail mortgages \n	\n \n\n159,810 \n	\n \n\n13,741 \n	\n \n\n1,776 \n	\n \n\n175,327 \n	\n\n	\n \n\n — \n	\n \n\n 0.1 \n	\n \n\n 3.3 \n	\n \n\n 0.1 \n
\n \n\nRetail credit cards \n	\n \n\n14,751 \n	\n \n\n1,545 \n	\n \n\n129 \n	\n \n\n16,425 \n	\n\n	\n \n\n 1.1 \n	\n \n\n 20.5 \n	\n \n\n 57.4 \n	\n \n\n 4.3 \n
\n \n\nRetail other \n	\n \n\n9,769 \n	\n \n\n1,334 \n	\n \n\n87 \n	\n \n\n11,190 \n	\n\n	\n \n\n 1.0 \n	\n \n\n 11.8 \n	\n \n\n 71.1 \n	\n \n\n 4.2 \n
\n \n\nCorporate loans1 \n	\n \n\n54,057 \n	\n \n\n6,756 \n	\n \n\n970 \n	\n \n\n61,783 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 2.6 \n	\n \n\n 30.3 \n	\n \n\n 1.2 \n
\n \n\nTotal UK \n	\n \n\n238,387 \n	\n \n\n23,376 \n	\n \n\n2,962 \n	\n \n\n264,725 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 3.2 \n	\n \n\n 22.7 \n	\n \n\n 0.8 \n
\n \n\nRetail mortgages \n	\n \n\n1,827 \n	\n \n\n72 \n	\n \n\n107 \n	\n \n\n2,006 \n	\n\n	\n \n\n 0.1 \n	\n \n\n — \n	\n \n\n 18.3 \n	\n \n\n 1.3 \n
\n \n\nRetail credit cards \n	\n \n\n18,406 \n	\n \n\n1,740 \n	\n \n\n381 \n	\n \n\n20,527 \n	\n\n	\n \n\n 2.1 \n	\n \n\n 31.4 \n	\n \n\n 78.5 \n	\n \n\n 11.2 \n
\n \n\nRetail other \n	\n \n\n2,479 \n	\n \n\n201 \n	\n \n\n44 \n	\n \n\n2,724 \n	\n\n	\n \n\n 0.1 \n	\n \n\n 2.4 \n	\n \n\n 30.2 \n	\n \n\n 1.0 \n
\n \n\nCorporate loans \n	\n \n\n66,589 \n	\n \n\n3,567 \n	\n \n\n1,385 \n	\n \n\n71,541 \n	\n\n	\n \n\n 0.1 \n	\n \n\n 3.6 \n	\n \n\n 21.6 \n	\n \n\n 0.8 \n
\n \n\nTotal Rest of the World \n	\n \n\n89,301 \n	\n \n\n5,580 \n	\n \n\n1,917 \n	\n \n\n96,798 \n	\n\n	\n \n\n 0.5 \n	\n \n\n 14.4 \n	\n \n\n 48.7 \n	\n \n\n 3.2 \n
\n \n\nTotal loans and advances at amortised cost \n	\n \n\n327,688 \n	\n \n\n28,956 \n	\n \n\n4,879 \n	\n \n\n361,523 \n	\n\n	\n \n\n 0.3 \n	\n \n\n 5.6 \n	\n \n\n 35.5 \n	\n \n\n 1.4 \n
\n \n\nDebt securities at amortised cost \n	\n \n\n68,113 \n	\n \n\n362 \n	\n \n\n— \n	\n \n\n68,475 \n	\n\n	\n \n\n — \n	\n \n\n 2.4 \n	\n \n\n — \n	\n \n\n — \n
\n \n\nTotal loans and advances at amortised cost including debt\nsecurities \n	\n \n\n395,801 \n	\n \n\n29,318 \n	\n \n\n4,879 \n	\n \n\n429,998 \n	\n\n	\n \n\n 0.2 \n	\n \n\n 5.5 \n	\n \n\n 35.5 \n	\n \n\n 1.2 \n
\n \n\nOff-balance sheet loan commitments and financial guarantee\ncontracts2 \n	\n \n\n410,349 \n	\n \n\n16,233 \n	\n \n\n785 \n	\n \n\n427,367 \n	\n\n	\n \n\n — \n	\n \n\n 1.5 \n	\n \n\n 3.9 \n	\n \n\n 0.1 \n
\n \n\nTotal3,4 \n	\n \n\n806,150 \n	\n \n\n45,551 \n	\n \n\n5,664 \n	\n \n\n857,365 \n	\n\n	\n \n\n 0.1 \n	\n \n\n 4.1 \n	\n \n\n 32.5 \n	\n \n\n 0.7 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nIncludes Business Banking, which has a gross exposure of\n£12.4bn and an impairment allowance of £326m. This\ncomprises £62m impairment allowance on £9.3bn Stage 1\nexposure, £50m on £2.3bn Stage 2 exposure and £214m\non £0.8bn Stage 3 exposure. Excluding this, total coverage for\ncorporate loans in UK is 0.8%. \n
\n \n\n2 \n	\n \n\nExcludes loan commitments and financial guarantees of £22.2bn\ncarried at fair value and includes exposure relating to financial\nassets classified as assets held for sale. \n
\n \n\n3 \n	\n \n\nExcludes other financial assets subject to impairment comprising of\ncash collateral and settlement balances, reverse repurchase\nagreements and other similar secured lending, financial assets at\nfair value through other comprehensive income and other assets.\nThese have a total gross exposure of £224.1bn and an\nimpairment allowance of £150m. This comprises £18m\nimpairment allowance on £222.4bn Stage 1 exposure, £8m on\n£1.6bn Stage 2 exposure and £124m on £127m Stage 3\nexposure. \n
\n \n\n4 \n	\n \n\nThe annualised loan loss rate is 52bps after applying the total\nimpairment charges of £2,279m. \n
\n \n\n5 \n	\n \n\nPOCI balances are no longer presented following the sale of those\nbalances as part of the Tesco debt sale completed in September\n2026. The corresponding FY25 balances of £44m are included\nwithin Stage 3 exposure as at 31.12.25. \n

\n\nAssets held for\nsale

\n\nThe prior period presents gross loans and advances and the related\nimpairment allowance for the AA portfolio in USCB classified as\nassets held for sale in the condensed consolidated balance sheet.\nThe sale of this portfolio was completed on 24 April\n2026.

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\nLoans and advances by\nproduct

\n\n

\n\nStage 1

\n\n

\n\nStage 2

\n\n

\n\nStage 3

\n\n

\n\nTotal

\n\n

\n\nGross

\n\nECL

\n\nCoverage

\n\n

\n\nGross

\n\nECL

\n\nCoverage

\n\n

\n\nGross

\n\nECL

\n\nCoverage

\n\n

\n\nGross

\n\nECL

\n\nCoverage

\n\nAs at 31.12.25

\n\n£m

\n\n%

\n\n

\n\n£m

\n\n%

\n\n

\n\n£m

\n\n%

\n\n

\n\n£m

\n\n%

\n\nRetail credit cards - US

\n\n 5,468

\n\n 65

\n\n 1.2

\n\n

\n\n 466

\n\n 124

\n\n 26.6

\n\n

\n\n 54

\n\n 44

\n\n 81.5

\n\n

\n\n 5,988

\n\n 233

\n\n 3.9

\n\nCorporate loans - US

\n\n 43

\n\n 1

\n\n 2.3

\n\n

\n\n 6

\n\n 2

\n\n 33.3

\n\n

\n\n —

\n\n

\n\n 49

\n\n 3

\n\n 6.1

\n\nTotal Rest of the World

\n\n 5,511

\n\n 66

\n\n 1.2

\n\n

\n\n 472

\n\n 126

\n\n 26.7

\n\n

\n\n 54

\n\n 44

\n\n 81.5

\n\n

\n\n 6,037

\n\n 236

\n\n 3.9

\n\nLoans and advances at amortised cost\nby product

\n\nThe table below presents loans and advances at amortised cost by\nproduct and stage, including Stage 2 past due\nbalances.

\n\n	\n\n	\n \n\nStage 2 \n	\n\n	\n\n
\n \n\nAs at 30.09.26 \n	\n \n\nStage 1 \n	\n \n\nNot past due \n	\n \n\n<=30 days past due \n	\n \n\n>30 days past due \n	\n \n\nTotal \n	\n \n\nStage 31 \n	\n \n\nTotal \n
\n \n\nGross exposure \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nRetail mortgages \n	\n \n\n 170,256 \n	\n \n\n 10,931 \n	\n \n\n 2,006 \n	\n \n\n 697 \n	\n \n\n 13,634 \n	\n \n\n 1,958 \n	\n \n\n 185,848 \n
\n \n\nRetail credit cards \n	\n \n\n 34,618 \n	\n \n\n 4,466 \n	\n \n\n 345 \n	\n \n\n 303 \n	\n \n\n 5,114 \n	\n \n\n 2,024 \n	\n \n\n 41,756 \n
\n \n\nRetail other \n	\n \n\n 13,428 \n	\n \n\n 1,782 \n	\n \n\n 191 \n	\n \n\n 82 \n	\n \n\n 2,055 \n	\n \n\n 293 \n	\n \n\n 15,776 \n
\n \n\nCorporate loans \n	\n \n\n 132,130 \n	\n \n\n 9,781 \n	\n \n\n 155 \n	\n \n\n 73 \n	\n \n\n 10,009 \n	\n \n\n 3,516 \n	\n \n\n 145,655 \n
\n \n\nTotal \n	\n \n\n 350,432 \n	\n \n\n 26,960 \n	\n \n\n 2,697 \n	\n \n\n 1,155 \n	\n \n\n 30,812 \n	\n \n\n 7,791 \n	\n \n\n 389,035 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nImpairment allowance \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRetail mortgages \n	\n \n\n 21 \n	\n \n\n 12 \n	\n \n\n 6 \n	\n \n\n 3 \n	\n \n\n 21 \n	\n \n\n 87 \n	\n \n\n 129 \n
\n \n\nRetail credit cards \n	\n \n\n 561 \n	\n \n\n 932 \n	\n \n\n 145 \n	\n \n\n 195 \n	\n \n\n 1,272 \n	\n \n\n 1,573 \n	\n \n\n 3,406 \n
\n \n\nRetail other \n	\n \n\n 122 \n	\n \n\n 124 \n	\n \n\n 33 \n	\n \n\n 34 \n	\n \n\n 191 \n	\n \n\n 199 \n	\n \n\n 512 \n
\n \n\nCorporate loans \n	\n \n\n 169 \n	\n \n\n 282 \n	\n \n\n 10 \n	\n \n\n 11 \n	\n \n\n 303 \n	\n \n\n 841 \n	\n \n\n 1,313 \n
\n \n\nTotal \n	\n \n\n 873 \n	\n \n\n 1,350 \n	\n \n\n 194 \n	\n \n\n 243 \n	\n \n\n 1,787 \n	\n \n\n 2,700 \n	\n \n\n 5,360 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nNet exposure \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRetail mortgages \n	\n \n\n 170,235 \n	\n \n\n 10,919 \n	\n \n\n 2,000 \n	\n \n\n 694 \n	\n \n\n 13,613 \n	\n \n\n 1,871 \n	\n \n\n 185,719 \n
\n \n\nRetail credit cards \n	\n \n\n 34,057 \n	\n \n\n 3,534 \n	\n \n\n 200 \n	\n \n\n 108 \n	\n \n\n 3,842 \n	\n \n\n 451 \n	\n \n\n 38,350 \n
\n \n\nRetail other \n	\n \n\n 13,306 \n	\n \n\n 1,658 \n	\n \n\n 158 \n	\n \n\n 48 \n	\n \n\n 1,864 \n	\n \n\n 94 \n	\n \n\n 15,264 \n
\n \n\nCorporate loans \n	\n \n\n 131,961 \n	\n \n\n 9,499 \n	\n \n\n 145 \n	\n \n\n 62 \n	\n \n\n 9,706 \n	\n \n\n 2,675 \n	\n \n\n 144,342 \n
\n \n\nTotal \n	\n \n\n 349,559 \n	\n \n\n 25,610 \n	\n \n\n 2,503 \n	\n \n\n 912 \n	\n \n\n 29,025 \n	\n \n\n 5,091 \n	\n \n\n 383,675 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nCoverage ratio \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nRetail mortgages \n	\n \n\n — \n	\n \n\n 0.1 \n	\n \n\n 0.3 \n	\n \n\n 0.4 \n	\n \n\n 0.2 \n	\n \n\n 4.4 \n	\n \n\n 0.1 \n
\n \n\nRetail credit cards \n	\n \n\n 1.6 \n	\n \n\n 20.9 \n	\n \n\n 42.0 \n	\n \n\n 64.4 \n	\n \n\n 24.9 \n	\n \n\n 77.7 \n	\n \n\n 8.2 \n
\n \n\nRetail other \n	\n \n\n 0.9 \n	\n \n\n 7.0 \n	\n \n\n 17.3 \n	\n \n\n 41.5 \n	\n \n\n 9.3 \n	\n \n\n 67.9 \n	\n \n\n 3.2 \n
\n \n\nCorporate loans \n	\n \n\n 0.1 \n	\n \n\n 2.9 \n	\n \n\n 6.5 \n	\n \n\n 15.1 \n	\n \n\n 3.0 \n	\n \n\n 23.9 \n	\n \n\n 0.9 \n
\n \n\nTotal \n	\n \n\n 0.2 \n	\n \n\n 5.0 \n	\n \n\n 7.2 \n	\n \n\n 21.0 \n	\n \n\n 5.8 \n	\n \n\n 34.7 \n	\n \n\n 1.4 \n

\n \n\nAs at 31.12.25 \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nGross exposure \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nRetail mortgages \n	\n \n\n 161,65 \n	\n \n\n 11,072 \n	\n \n\n 2,033 \n	\n \n\n 724 \n	\n \n\n 13,829 \n	\n \n\n 1,967 \n	\n \n\n 177,450 \n
\n \n\nRetail credit cards \n	\n \n\n 33,723 \n	\n \n\n 3,832 \n	\n \n\n 317 \n	\n \n\n 330 \n	\n \n\n 4,479 \n	\n \n\n 2,079 \n	\n \n\n 40,281 \n
\n \n\nRetail other \n	\n \n\n 12,349 \n	\n \n\n 1,398 \n	\n \n\n 207 \n	\n \n\n 113 \n	\n \n\n 1,718 \n	\n \n\n 364 \n	\n \n\n 14,431 \n
\n \n\nCorporate loans \n	\n \n\n 120,853 \n	\n \n\n 10,409 \n	\n \n\n 71 \n	\n \n\n 158 \n	\n \n\n 10,638 \n	\n \n\n 3,159 \n	\n \n\n 134,650 \n
\n \n\nTotal \n	\n \n\n 328,579 \n	\n \n\n 26,711 \n	\n \n\n 2,628 \n	\n \n\n 1,325 \n	\n \n\n 30,664 \n	\n \n\n 7,569 \n	\n \n\n 366,812 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nImpairment allowance \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRetail mortgages \n	\n \n\n 17 \n	\n \n\n 9 \n	\n \n\n 4 \n	\n \n\n 3 \n	\n \n\n 16 \n	\n \n\n 84 \n	\n \n\n 117 \n
\n \n\nRetail credit cards \n	\n \n\n 566 \n	\n \n\n 840 \n	\n \n\n 138 \n	\n \n\n 216 \n	\n \n\n 1,194 \n	\n \n\n 1,569 \n	\n \n\n 3,329 \n
\n \n\nRetail other \n	\n \n\n 101 \n	\n \n\n 126 \n	\n \n\n 28 \n	\n \n\n 29 \n	\n \n\n 183 \n	\n \n\n 233 \n	\n \n\n 517 \n
\n \n\nCorporate loans \n	\n \n\n 207 \n	\n \n\n 298 \n	\n \n\n 7 \n	\n \n\n 10 \n	\n \n\n 315 \n	\n \n\n 804 \n	\n \n\n 1,326 \n
\n \n\nTotal \n	\n \n\n 891 \n	\n \n\n 1,273 \n	\n \n\n 177 \n	\n \n\n 258 \n	\n \n\n 1,708 \n	\n \n\n 2,690 \n	\n \n\n 5,289 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nNet exposure \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRetail mortgages \n	\n \n\n 161,637 \n	\n \n\n 11,063 \n	\n \n\n 2,029 \n	\n \n\n 721 \n	\n \n\n 13,813 \n	\n \n\n 1,883 \n	\n \n\n 177,333 \n
\n \n\nRetail credit cards \n	\n \n\n 33,157 \n	\n \n\n 2,992 \n	\n \n\n 179 \n	\n \n\n 114 \n	\n \n\n 3,285 \n	\n \n\n 510 \n	\n \n\n 36,952 \n
\n \n\nRetail other \n	\n \n\n 12,248 \n	\n \n\n 1,272 \n	\n \n\n 179 \n	\n \n\n 84 \n	\n \n\n 1,535 \n	\n \n\n 131 \n	\n \n\n 13,914 \n
\n \n\nCorporate loans \n	\n \n\n 120,646 \n	\n \n\n 10,111 \n	\n \n\n 64 \n	\n \n\n 148 \n	\n \n\n 10,323 \n	\n \n\n 2,355 \n	\n \n\n 133,324 \n
\n \n\nTotal \n	\n \n\n 327,688 \n	\n \n\n 25,438 \n	\n \n\n 2,451 \n	\n \n\n 1,067 \n	\n \n\n 28,956 \n	\n \n\n 4,879 \n	\n \n\n 361,523 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nCoverage ratio \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nRetail mortgages \n	\n \n\n — \n	\n \n\n 0.1 \n	\n \n\n 0.2 \n	\n \n\n 0.4 \n	\n \n\n 0.1 \n	\n \n\n 4.3 \n	\n \n\n 0.1 \n
\n \n\nRetail credit cards \n	\n \n\n 1.7 \n	\n \n\n 21.9 \n	\n \n\n 43.5 \n	\n \n\n 65.5 \n	\n \n\n 26.7 \n	\n \n\n 75.5 \n	\n \n\n 8.3 \n
\n \n\nRetail other \n	\n \n\n 0.8 \n	\n \n\n 9.0 \n	\n \n\n 13.5 \n	\n \n\n 25.7 \n	\n \n\n 10.7 \n	\n \n\n 64.0 \n	\n \n\n 3.6 \n
\n \n\nCorporate loans \n	\n \n\n 0.2 \n	\n \n\n 2.9 \n	\n \n\n 9.9 \n	\n \n\n 6.3 \n	\n \n\n 3.0 \n	\n \n\n 25.5 \n	\n \n\n 1.0 \n
\n \n\nTotal \n	\n \n\n 0.3 \n	\n \n\n 4.8 \n	\n \n\n 6.7 \n	\n \n\n 19.5 \n	\n \n\n 5.6 \n	\n \n\n 35.5 \n	\n \n\n 1.4 \n

\n\n\n\n

\n\n1

\n\nPOCI balances are no longer presented following the sale of those\nbalances as part of the Tesco debt sale completed in September\n2026. The corresponding FY25 balances of £44m are included\nwithin Stage 3 exposure as at 31.12.25.

\n\nMeasurement\nuncertainty

\n\nScenarios used to calculate the Group’s modelled ECL charge\nwere refreshed in Q326, with the Baseline scenario reflecting the\nlatest consensus macroeconomic forecasts available at the time of\nthe scenario refresh. The Baseline scenario continues to reflect\nthe volatile trade policies of the US administration and ongoing\ngeopolitical uncertainty, compounded by ongoing tensions in the\nMiddle East and associated risks to global energy markets. \nGlobal growth slows modestly as higher US tariffs, retaliatory\nmeasures and persistent uncertainty disrupt trade flows, weigh on\ninvestment and dampen business confidence, though domestic demand\nin advanced economies remains relatively resilient. UK and US GDP\ngrowth in 2027 is expected to be 1.2% and 2.1%, respectively.\nInflationary pressures remain elevated, with some tariff\npass-through, higher energy prices, renewed supply-side frictions\nand increased transportation costs contributing to a more\npersistent and broad-based inflation profile. The softening in\nlabour markets is gradual and insufficient to quickly alleviate\nunderlying price pressures. UK and US quarterly unemployment rates\npeak at 5.2% and 4.3%, respectively.

\n\nThe Downside scenarios have been calibrated to capture a severe\nescalation in geopolitical tensions, centred on a prolonged Middle\nEast conflict, alongside intensifying global trade frictions. Early\nin the scenario, conflict escalates sharply with disruptions at\ncritical maritime chokepoints, triggering severe shipping\ndisruptions, surging insurance costs and sharp increases in oil and\ngas prices amid infrastructure damage. As the shock becomes\nprotracted, firms delay investment, reassess supply chains and\nhoard inputs, while business and consumer confidence fall sharply.\nIn Downside 2, UK and US GDP in 2027 falls by 3.9% and 3.8%,\nrespectively. Inflation dynamics diverge sharply from Baseline,\ngenerating a stagflationary impulse. The deterioration in demand\nand investment drives a sharp increase in unemployment, initially\nconcentrated in trade and energy exposed sectors but increasingly\nspilling over into services. In Downside 2, UK and US quarterly\nunemployment rates peak at 8.1% and 8.8%, respectively. \nMonetary policy faces a difficult trade-off between persistent\ninflation and weakening growth. Central banks initially hike rates\nto ensure inflation expectations remain well anchored, but as the\ndownturn deepens and demand forces weaken price pressures, they\nshift towards easing. The scenarios also incorporate\nclimate-related risks through both physical and transition\nchannels, including more frequent severe weather disruptions and a\nshift in sentiment around energy security. These effects amplify\nvolatility, increase costs and further weigh on growth over the\nmedium term.

\n\nIn the Upside scenarios, a rise in labour force participation and\nhigher productivity contribute to accelerated economic growth,\nwithout creating new inflationary pressures. Central banks lower\ninterest rates stimulating private consumption and investment\ngrowth. Demand for labour increases and unemployment decreases. As\ngeopolitical tensions ease, low inflation supports consumer\npurchasing power and contributes further to healthy GDP growth. The\nstrong economic outlook and lower interest rates provide a boost to\nhouse price growth.

\n\nThe methodology for estimating scenario weights involves simulating\na range of future paths for UK and US GDP using historical data\nwith the five scenarios mapped against the distribution of these\nfuture paths. The increase in the Upside weights and the reduction\nin the Baseline and Downside weights in Q326 was driven by\nimprovement in UK and US GDP outlook in the Baseline scenario,\nmoving the Baseline scenario closer to the Upside scenarios. For\nfurther details see page 44

\n\nHowever, the Group expects geopolitical uncertainty to remain\nelevated and any potential impact on corporate earnings is expected\nto lag. In response, the £66m¹ management adjustment\nintroduced in Q126 within the Investment Bank has been\nretained.

\n\nThe following tables show the key macroeconomic variables used in\nthe five scenarios (5-year annual paths) and the weights applied to\neach scenario.

\n\n\n\n

\n\n1

\n\nExcludes management adjustment of £2m related to other\nfinancial assets subject to impairment.

\n \n\nMacroeconomic variables used in the\ncalculation of ECL \n
\n \n\nAs at 30.09.26 \n	\n \n\n2026 \n	\n \n\n2027 \n	\n \n\n2028 \n	\n \n\n2029 \n	\n \n\n2030 \n
\n \n\nBaseline \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nUK GDP1 \n	\n \n\n 1.3 \n	\n \n\n 1.2 \n	\n \n\n 1.6 \n	\n \n\n 1.7 \n	\n \n\n 1.7 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.1 \n	\n \n\n 5.1 \n	\n \n\n 5.2 \n	\n \n\n 4.9 \n	\n \n\n 4.7 \n
\n \n\nUK HPI3 \n	\n \n\n 1.6 \n	\n \n\n 2.0 \n	\n \n\n 3.2 \n	\n \n\n 5.0 \n	\n \n\n 4.5 \n
\n \n\nUK bank rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n
\n \n\nUK CPI5 \n	\n \n\n 3.2 \n	\n \n\n 2.1 \n	\n \n\n 1.4 \n	\n \n\n 2.4 \n	\n \n\n 1.8 \n
\n \n\nUS GDP1 \n	\n \n\n 2.2 \n	\n \n\n 2.1 \n	\n \n\n 2.2 \n	\n \n\n 2.2 \n	\n \n\n 2.2 \n
\n \n\nUS unemployment6 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.2 \n	\n \n\n 4.2 \n	\n \n\n 4.2 \n
\n \n\nUS HPI7 \n	\n \n\n 1.7 \n	\n \n\n 1.0 \n	\n \n\n 1.7 \n	\n \n\n 1.7 \n	\n \n\n 1.7 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n
\n \n\nUS CPI8 \n	\n \n\n 3.3 \n	\n \n\n 2.3 \n	\n \n\n 2.2 \n	\n \n\n 2.3 \n	\n \n\n 2.2 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDownside 2 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.1 \n	\n \n\n (3.9) \n	\n \n\n 0.3 \n	\n \n\n 2.3 \n	\n \n\n 1.0 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.4 \n	\n \n\n 7.6 \n	\n \n\n 7.9 \n	\n \n\n 7.1 \n	\n \n\n 6.2 \n
\n \n\nUK HPI3 \n	\n \n\n (4.2) \n	\n \n\n (25.4) \n	\n \n\n 3.1 \n	\n \n\n 10.4 \n	\n \n\n 5.6 \n
\n \n\nUK bank rate4 \n	\n \n\n 3.9 \n	\n \n\n 5.1 \n	\n \n\n 4.7 \n	\n \n\n 4.5 \n	\n \n\n 4.5 \n
\n \n\nUK CPI5 \n	\n \n\n 5.1 \n	\n \n\n 6.7 \n	\n \n\n 1.0 \n	\n \n\n 0.5 \n	\n \n\n 1.1 \n
\n \n\nUS GDP1 \n	\n \n\n 1.9 \n	\n \n\n (3.8) \n	\n \n\n (1.1) \n	\n \n\n 1.8 \n	\n \n\n 2.0 \n
\n \n\nUS unemployment6 \n	\n \n\n 4.8 \n	\n \n\n 8.1 \n	\n \n\n 8.5 \n	\n \n\n 7.5 \n	\n \n\n 6.4 \n
\n \n\nUS HPI7 \n	\n \n\n (0.1) \n	\n \n\n (10.2) \n	\n \n\n 3.8 \n	\n \n\n 6.3 \n	\n \n\n 3.0 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.8 \n	\n \n\n 4.4 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n
\n \n\nUS CPI8 \n	\n \n\n 4.6 \n	\n \n\n 5.5 \n	\n \n\n 1.8 \n	\n \n\n 1.8 \n	\n \n\n 2.0 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDownside 1 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.2 \n	\n \n\n (1.3) \n	\n \n\n 1.0 \n	\n \n\n 2.0 \n	\n \n\n 1.4 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.2 \n	\n \n\n 6.4 \n	\n \n\n 6.6 \n	\n \n\n 6.0 \n	\n \n\n 5.5 \n
\n \n\nUK HPI3 \n	\n \n\n (1.3) \n	\n \n\n (12.4) \n	\n \n\n 3.2 \n	\n \n\n 7.7 \n	\n \n\n 5.0 \n
\n \n\nUK bank rate4 \n	\n \n\n 3.9 \n	\n \n\n 4.7 \n	\n \n\n 4.5 \n	\n \n\n 4.4 \n	\n \n\n 4.4 \n
\n \n\nUK CPI5 \n	\n \n\n 4.1 \n	\n \n\n 4.3 \n	\n \n\n 1.2 \n	\n \n\n 1.5 \n	\n \n\n 1.5 \n
\n \n\nUS GDP1 \n	\n \n\n 2.0 \n	\n \n\n (0.9) \n	\n \n\n 0.5 \n	\n \n\n 2.0 \n	\n \n\n 2.1 \n
\n \n\nUS unemployment6 \n	\n \n\n 4.6 \n	\n \n\n 6.2 \n	\n \n\n 6.4 \n	\n \n\n 5.8 \n	\n \n\n 5.3 \n
\n \n\nUS HPI7 \n	\n \n\n 0.8 \n	\n \n\n (4.7) \n	\n \n\n 2.7 \n	\n \n\n 4.0 \n	\n \n\n 2.3 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.5 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n
\n \n\nUS CPI8 \n	\n \n\n 3.9 \n	\n \n\n 3.9 \n	\n \n\n 2.0 \n	\n \n\n 2.1 \n	\n \n\n 2.1 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUpside 2 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.5 \n	\n \n\n 3.5 \n	\n \n\n 3.4 \n	\n \n\n 2.8 \n	\n \n\n 2.4 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.0 \n	\n \n\n 4.5 \n	\n \n\n 4.4 \n	\n \n\n 4.0 \n	\n \n\n 3.8 \n
\n \n\nUK HPI3 \n	\n \n\n 1.9 \n	\n \n\n 14.0 \n	\n \n\n 6.9 \n	\n \n\n 4.0 \n	\n \n\n 4.2 \n
\n \n\nUK bank rate4 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n	\n \n\n 3.1 \n	\n \n\n 3.1 \n	\n \n\n 3.3 \n
\n \n\nUK CPI5 \n	\n \n\n 2.7 \n	\n \n\n 1.2 \n	\n \n\n 1.2 \n	\n \n\n 1.3 \n	\n \n\n 1.2 \n
\n \n\nUS GDP1 \n	\n \n\n 2.2 \n	\n \n\n 3.0 \n	\n \n\n 3.0 \n	\n \n\n 2.8 \n	\n \n\n 2.8 \n
\n \n\nUS unemployment6 \n	\n \n\n 4.2 \n	\n \n\n 3.6 \n	\n \n\n 3.5 \n	\n \n\n 3.5 \n	\n \n\n 3.5 \n
\n \n\nUS HPI7 \n	\n \n\n 3.9 \n	\n \n\n 4.7 \n	\n \n\n 5.2 \n	\n \n\n 4.8 \n	\n \n\n 4.8 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.7 \n	\n \n\n 3.3 \n	\n \n\n 3.3 \n	\n \n\n 3.3 \n	\n \n\n 3.1 \n
\n \n\nUS CPI8 \n	\n \n\n 2.8 \n	\n \n\n 1.6 \n	\n \n\n 1.6 \n	\n \n\n 1.6 \n	\n \n\n 1.6 \n
\n \n 1Average Real GDP seasonally adjusted change in year.2Average\nUK unemployment rate 16-year+.3Change in year-end UK HPI = Halifax\nHPI Meth2 All Houses, All Buyers index, relative to prior\nyear-end.4Average rate.5Change in year-end UK CPI = Harmonised\nIndex of Consumer Prices, relative to prior year-end.6Average US\ncivilian unemployment rate 16-year+.7Change in year-end US HPI =\nFHFA House Price Index, relative to prior year-end.8Change in\nyear-end US CPI = Consumer Price Index, relative to prior\nyear-end. \n
\n \n\nUpside 1 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.4 \n	\n \n\n 2.3 \n	\n \n\n 2.5 \n	\n \n\n 2.2 \n	\n \n\n 2.0 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.1 \n	\n \n\n 4.8 \n	\n \n\n 4.8 \n	\n \n\n 4.5 \n	\n \n\n 4.3 \n
\n \n\nUK HPI3 \n	\n \n\n 1.7 \n	\n \n\n 7.9 \n	\n \n\n 5.1 \n	\n \n\n 4.5 \n	\n \n\n 4.3 \n
\n \n\nUK bank rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.0 \n	\n \n\n 3.7 \n	\n \n\n 3.7 \n	\n \n\n 3.8 \n
\n \n\nUK CPI5 \n	\n \n\n 3.0 \n	\n \n\n 1.6 \n	\n \n\n 1.3 \n	\n \n\n 1.8 \n	\n \n\n 1.5 \n
\n \n\nUS GDP1 \n	\n \n\n 2.2 \n	\n \n\n 2.6 \n	\n \n\n 2.6 \n	\n \n\n 2.5 \n	\n \n\n 2.5 \n
\n \n\nUS unemployment6 \n	\n \n\n 4.3 \n	\n \n\n 4.0 \n	\n \n\n 3.9 \n	\n \n\n 3.9 \n	\n \n\n 3.9 \n
\n \n\nUS HPI7 \n	\n \n\n 2.8 \n	\n \n\n 2.8 \n	\n \n\n 3.4 \n	\n \n\n 3.2 \n	\n \n\n 3.2 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n	\n \n\n 3.6 \n
\n \n\nUS CPI8 \n	\n \n\n 3.0 \n	\n \n\n 1.9 \n	\n \n\n 1.9 \n	\n \n\n 2.0 \n	\n \n\n 1.9 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nAverage Real GDP seasonally adjusted change in year. \n
\n \n\n2 \n	\n \n\nAverage UK unemployment rate 16-year+. \n
\n \n\n3 \n	\n \n\nChange in year-end UK HPI = Halifax HPI Meth2 All Houses, All\nBuyers index, relative to prior year-end. \n
\n \n\n4 \n	\n \n\nAverage rate. \n
\n \n\n5 \n	\n \n\nChange in year-end UK CPI = Harmonised Index of Consumer Prices,\nrelative to prior year-end. \n
\n \n\n6 \n	\n \n\nAverage US civilian unemployment rate 16-year+. \n
\n \n\n7 \n	\n \n\nChange in year-end US HPI = FHFA House Price Index, relative to\nprior year-end. \n
\n \n\n8 \n	\n \n\nChange in year-end US CPI = Consumer Price Index, relative to prior\nyear-end. \n

\n \n\nMacroeconomic variables used in the\ncalculation of ECL \n
\n \n\nAs at 30.06.26 \n	\n \n\n2026 \n	\n \n\n2027 \n	\n \n\n2028 \n	\n \n\n2029 \n	\n \n\n2030 \n
\n \n\nBaseline \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nUK GDP1 \n	\n \n\n 0.4 \n	\n \n\n 1.1 \n	\n \n\n 1.4 \n	\n \n\n 1.4 \n	\n \n\n 1.5 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.3 \n	\n \n\n 5.3 \n	\n \n\n 5.0 \n	\n \n\n 4.9 \n	\n \n\n 4.9 \n
\n \n\nUK HPI3 \n	\n \n\n 1.3 \n	\n \n\n 1.6 \n	\n \n\n 3.9 \n	\n \n\n 3.0 \n	\n \n\n 3.9 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.1 \n	\n \n\n 4.4 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n
\n \n\nUS GDP1 \n	\n \n\n 1.7 \n	\n \n\n 2.0 \n	\n \n\n 2.1 \n	\n \n\n 2.1 \n	\n \n\n 2.1 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.4 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n
\n \n\nUS HPI6 \n	\n \n\n 2.1 \n	\n \n\n 2.1 \n	\n \n\n 2.4 \n	\n \n\n 2.4 \n	\n \n\n 2.4 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.7 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n	\n \n\n 3.8 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDownside 2 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n (0.5) \n	\n \n\n (4.1) \n	\n \n\n 1.9 \n	\n \n\n 1.7 \n	\n \n\n 1.0 \n
\n \n\nUK unemployment2 \n	\n \n\n 6.0 \n	\n \n\n 7.8 \n	\n \n\n 7.8 \n	\n \n\n 6.9 \n	\n \n\n 6.0 \n
\n \n\nUK HPI3 \n	\n \n\n (12.0) \n	\n \n\n (19.3) \n	\n \n\n 6.7 \n	\n \n\n 9.3 \n	\n \n\n 4.6 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.2 \n	\n \n\n 5.1 \n	\n \n\n 4.6 \n	\n \n\n 4.5 \n	\n \n\n 4.5 \n
\n \n\nUS GDP1 \n	\n \n\n 0.5 \n	\n \n\n (4.3) \n	\n \n\n — \n	\n \n\n 2.1 \n	\n \n\n 1.6 \n
\n \n\nUS unemployment5 \n	\n \n\n 5.5 \n	\n \n\n 8.5 \n	\n \n\n 8.3 \n	\n \n\n 7.2 \n	\n \n\n 6.1 \n
\n \n\nUS HPI6 \n	\n \n\n (3.1) \n	\n \n\n (6.3) \n	\n \n\n 5.7 \n	\n \n\n 5.0 \n	\n \n\n 2.9 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.9 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n	\n \n\n 4.3 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDownside 1 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n (0.1) \n	\n \n\n (1.6) \n	\n \n\n 1.6 \n	\n \n\n 1.5 \n	\n \n\n 1.2 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.6 \n	\n \n\n 6.6 \n	\n \n\n 6.4 \n	\n \n\n 5.9 \n	\n \n\n 5.4 \n
\n \n\nUK HPI3 \n	\n \n\n (5.4) \n	\n \n\n (9.2) \n	\n \n\n 5.3 \n	\n \n\n 6.1 \n	\n \n\n 4.3 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.1 \n	\n \n\n 4.7 \n	\n \n\n 4.5 \n	\n \n\n 4.5 \n	\n \n\n 4.5 \n
\n \n\nUS GDP1 \n	\n \n\n 1.1 \n	\n \n\n (1.2) \n	\n \n\n 1.1 \n	\n \n\n 2.1 \n	\n \n\n 1.9 \n
\n \n\nUS unemployment5 \n	\n \n\n 5.0 \n	\n \n\n 6.4 \n	\n \n\n 6.3 \n	\n \n\n 5.8 \n	\n \n\n 5.2 \n
\n \n\nUS HPI6 \n	\n \n\n (0.5) \n	\n \n\n (2.1) \n	\n \n\n 4.0 \n	\n \n\n 3.7 \n	\n \n\n 2.7 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.8 \n	\n \n\n 4.2 \n	\n \n\n 4.1 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUpside 2 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 0.9 \n	\n \n\n 3.8 \n	\n \n\n 3.2 \n	\n \n\n 2.6 \n	\n \n\n 2.3 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.1 \n	\n \n\n 4.6 \n	\n \n\n 4.1 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n
\n \n\nUK HPI3 \n	\n \n\n 4.1 \n	\n \n\n 14.2 \n	\n \n\n 6.8 \n	\n \n\n 2.7 \n	\n \n\n 3.8 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.0 \n	\n \n\n 3.8 \n	\n \n\n 3.0 \n	\n \n\n 3.1 \n	\n \n\n 3.3 \n
\n \n\nUS GDP1 \n	\n \n\n 1.8 \n	\n \n\n 3.2 \n	\n \n\n 2.9 \n	\n \n\n 2.8 \n	\n \n\n 2.8 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.2 \n	\n \n\n 3.7 \n	\n \n\n 3.6 \n	\n \n\n 3.6 \n	\n \n\n 3.6 \n
\n \n\nUS HPI6 \n	\n \n\n 4.9 \n	\n \n\n 4.3 \n	\n \n\n 5.3 \n	\n \n\n 4.9 \n	\n \n\n 4.9 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.5 \n	\n \n\n 3.0 \n	\n \n\n 3.0 \n	\n \n\n 3.0 \n	\n \n\n 2.8 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUpside 1 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 0.6 \n	\n \n\n 2.4 \n	\n \n\n 2.3 \n	\n \n\n 2.0 \n	\n \n\n 1.9 \n
\n \n\nUK unemployment2 \n	\n \n\n 5.2 \n	\n \n\n 4.9 \n	\n \n\n 4.6 \n	\n \n\n 4.5 \n	\n \n\n 4.5 \n
\n \n\nUK HPI3 \n	\n \n\n 2.7 \n	\n \n\n 7.8 \n	\n \n\n 5.4 \n	\n \n\n 2.9 \n	\n \n\n 3.9 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.0 \n	\n \n\n 4.1 \n	\n \n\n 3.5 \n	\n \n\n 3.6 \n	\n \n\n 3.8 \n
\n \n\nUS GDP1 \n	\n \n\n 1.8 \n	\n \n\n 2.6 \n	\n \n\n 2.5 \n	\n \n\n 2.5 \n	\n \n\n 2.5 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.3 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n	\n \n\n 4.0 \n
\n \n\nUS HPI6 \n	\n \n\n 3.5 \n	\n \n\n 3.2 \n	\n \n\n 3.8 \n	\n \n\n 3.6 \n	\n \n\n 3.6 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 3.5 \n	\n \n\n 3.3 \n	\n \n\n 3.3 \n	\n \n\n 3.3 \n	\n \n\n 3.3 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nAverage Real GDP seasonally adjusted change in\nyear. \n
\n \n\n2 \n	\n \n\nAverage UK unemployment rate 16-year+. \n
\n \n\n3 \n	\n \n\nChange in year-end UK HPI = Halifax HPI Meth2 All Houses, All\nBuyers index, relative to prior year-end. \n
\n \n\n4 \n	\n \n\nAverage rate. \n
\n \n\n5 \n	\n \n\nAverage US civilian unemployment rate 16-year+. \n
\n \n\n6 \n	\n \n\nChange in year-end US HPI = FHFA House Price Index, relative to\nprior year-end. \n

\n \n\nAs at 31.12.25 \n	\n \n\n2025 \n	\n \n\n2026 \n	\n \n\n2027 \n	\n \n\n2028 \n	\n \n\n2029 \n
\n \n\nBaseline \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nUK GDP1 \n	\n \n\n 1.5 \n	\n \n\n 1.1 \n	\n \n\n 1.4 \n	\n \n\n 1.4 \n	\n \n\n 1.4 \n
\n \n\nUK unemployment2 \n	\n \n\n 4.7 \n	\n \n\n 4.9 \n	\n \n\n 4.8 \n	\n \n\n 4.8 \n	\n \n\n 4.7 \n
\n \n\nUK HPI3 \n	\n \n\n 1.5 \n	\n \n\n 2.9 \n	\n \n\n 2.5 \n	\n \n\n 4.3 \n	\n \n\n 3.8 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.4 \n	\n \n\n 3.4 \n	\n \n\n 3.5 \n	\n \n\n 3.6 \n
\n \n\nUS GDP1 \n	\n \n\n 2.1 \n	\n \n\n 2.0 \n	\n \n\n 2.0 \n	\n \n\n 2.0 \n	\n \n\n 2.0 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.2 \n	\n \n\n 4.5 \n	\n \n\n 4.4 \n	\n \n\n 4.4 \n	\n \n\n 4.4 \n
\n \n\nUS HPI6 \n	\n \n\n 3.2 \n	\n \n\n 1.7 \n	\n \n\n 1.9 \n	\n \n\n 2.6 \n	\n \n\n 2.6 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.4 \n	\n \n\n 3.3 \n	\n \n\n 3.3 \n	\n \n\n 3.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDownside 2 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.5 \n	\n \n\n (2.5) \n	\n \n\n (1.2) \n	\n \n\n 2.8 \n	\n \n\n 1.1 \n
\n \n\nUK unemployment2 \n	\n \n\n 4.7 \n	\n \n\n 5.8 \n	\n \n\n 7.7 \n	\n \n\n 6.9 \n	\n \n\n 5.7 \n
\n \n\nUK HPI3 \n	\n \n\n 1.5 \n	\n \n\n (24.9) \n	\n \n\n (5.1) \n	\n \n\n 9.6 \n	\n \n\n 14.2 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.2 \n	\n \n\n 2.3 \n	\n \n\n 0.5 \n	\n \n\n 0.4 \n	\n \n\n 1.1 \n
\n \n\nUS GDP1 \n	\n \n\n 2.1 \n	\n \n\n (2.7) \n	\n \n\n (2.8) \n	\n \n\n 1.6 \n	\n \n\n 2.4 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.2 \n	\n \n\n 5.7 \n	\n \n\n 8.0 \n	\n \n\n 7.9 \n	\n \n\n 5.9 \n
\n \n\nUS HPI6 \n	\n \n\n 3.2 \n	\n \n\n (8.2) \n	\n \n\n (1.7) \n	\n \n\n 7.2 \n	\n \n\n 7.7 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.6 \n	\n \n\n 2.4 \n	\n \n\n 1.4 \n	\n \n\n 1.2 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDownside 1 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.5 \n	\n \n\n (0.7) \n	\n \n\n 0.1 \n	\n \n\n 2.1 \n	\n \n\n 1.3 \n
\n \n\nUK unemployment2 \n	\n \n\n 4.7 \n	\n \n\n 5.3 \n	\n \n\n 6.3 \n	\n \n\n 5.8 \n	\n \n\n 5.2 \n
\n \n\nUK HPI3 \n	\n \n\n 1.5 \n	\n \n\n (11.8) \n	\n \n\n (1.3) \n	\n \n\n 6.9 \n	\n \n\n 8.9 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.2 \n	\n \n\n 2.9 \n	\n \n\n 2.0 \n	\n \n\n 1.9 \n	\n \n\n 2.4 \n
\n \n\nUS GDP1 \n	\n \n\n 2.1 \n	\n \n\n (0.3) \n	\n \n\n (0.4) \n	\n \n\n 1.8 \n	\n \n\n 2.2 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.2 \n	\n \n\n 5.1 \n	\n \n\n 6.2 \n	\n \n\n 6.1 \n	\n \n\n 5.1 \n
\n \n\nUS HPI6 \n	\n \n\n 3.2 \n	\n \n\n (3.3) \n	\n \n\n 0.1 \n	\n \n\n 4.9 \n	\n \n\n 5.1 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.6 \n	\n \n\n 2.8 \n	\n \n\n 2.4 \n	\n \n\n 2.4 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUpside 2 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.5 \n	\n \n\n 2.7 \n	\n \n\n 3.7 \n	\n \n\n 2.9 \n	\n \n\n 2.4 \n
\n \n\nUK unemployment2 \n	\n \n\n 4.7 \n	\n \n\n 4.3 \n	\n \n\n 4.0 \n	\n \n\n 3.9 \n	\n \n\n 3.8 \n
\n \n\nUK HPI3 \n	\n \n\n 1.5 \n	\n \n\n 11.9 \n	\n \n\n 8.4 \n	\n \n\n 5.1 \n	\n \n\n 4.1 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.1 \n	\n \n\n 2.3 \n	\n \n\n 2.3 \n	\n \n\n 2.6 \n
\n \n\nUS GDP1 \n	\n \n\n 2.1 \n	\n \n\n 2.8 \n	\n \n\n 3.1 \n	\n \n\n 2.8 \n	\n \n\n 2.8 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.2 \n	\n \n\n 3.9 \n	\n \n\n 3.7 \n	\n \n\n 3.7 \n	\n \n\n 3.7 \n
\n \n\nUS HPI6 \n	\n \n\n 3.2 \n	\n \n\n 6.2 \n	\n \n\n 4.7 \n	\n \n\n 4.8 \n	\n \n\n 4.9 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.0 \n	\n \n\n 2.5 \n	\n \n\n 2.5 \n	\n \n\n 2.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUpside 1 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nUK GDP1 \n	\n \n\n 1.5 \n	\n \n\n 1.9 \n	\n \n\n 2.6 \n	\n \n\n 2.2 \n	\n \n\n 1.9 \n
\n \n\nUK unemployment2 \n	\n \n\n 4.7 \n	\n \n\n 4.6 \n	\n \n\n 4.4 \n	\n \n\n 4.4 \n	\n \n\n 4.3 \n
\n \n\nUK HPI3 \n	\n \n\n 1.5 \n	\n \n\n 7.4 \n	\n \n\n 5.4 \n	\n \n\n 4.7 \n	\n \n\n 3.9 \n
\n \n\nUK bank rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.2 \n	\n \n\n 2.8 \n	\n \n\n 2.8 \n	\n \n\n 3.1 \n
\n \n\nUS GDP1 \n	\n \n\n 2.1 \n	\n \n\n 2.4 \n	\n \n\n 2.6 \n	\n \n\n 2.4 \n	\n \n\n 2.4 \n
\n \n\nUS unemployment5 \n	\n \n\n 4.2 \n	\n \n\n 4.2 \n	\n \n\n 4.1 \n	\n \n\n 4.1 \n	\n \n\n 4.1 \n
\n \n\nUS HPI6 \n	\n \n\n 3.2 \n	\n \n\n 4.0 \n	\n \n\n 3.3 \n	\n \n\n 3.7 \n	\n \n\n 3.7 \n
\n \n\nUS federal funds rate4 \n	\n \n\n 4.2 \n	\n \n\n 3.3 \n	\n \n\n 2.8 \n	\n \n\n 2.8 \n	\n \n\n 3.0 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nAverage Real GDP seasonally adjusted change in year. \n
\n \n\n2 \n	\n \n\nAverage UK unemployment rate 16-year+. \n
\n \n\n3 \n	\n \n\nChange in year-end UK HPI = Halifax HPI Meth2 All Houses, All\nBuyers index, relative to prior year-end. \n
\n \n\n4 \n	\n \n\nAverage rate. \n
\n \n\n5 \n	\n \n\nAverage US civilian unemployment rate 16-year+. \n
\n \n\n6 \n	\n \n\nChange in year-end US HPI = FHFA House Price Index, relative to\nprior year-end. \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nScenario weighting \n	\n \n\nUpside 2 \n	\n \n\nUpside 1 \n	\n \n\nBaseline \n	\n \n\nDownside 1 \n	\n \n\nDownside 2 \n
\n\n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n	\n \n\n% \n
\n \n\nAs at 30.09.26 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nScenario weighting \n	\n \n\n16.6 \n	\n \n\n28.0 \n	\n \n\n36.4 \n	\n \n\n12.1 \n	\n \n\n6.9 \n
\n \n\nAs at 30.06.26 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nScenario weighting \n	\n \n\n13.7 \n	\n \n\n27.3 \n	\n \n\n39.5 \n	\n \n\n12.5 \n	\n \n\n7.0 \n
\n \n\nAs at 31.12.25 \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nScenario weighting \n	\n \n\n 14.4 \n	\n \n\n 27.4 \n	\n \n\n 38.5 \n	\n \n\n 12.7 \n	\n \n\n 7.0 \n

\n\nTreasury and Capital\nRisk

\n\nRegulatory minimum\nrequirements

\n\nCapital

\n\nAs at 30 September 2026, the Group’s Overall Capital\nRequirement for CET1, excluding any applicable PRA buffer, was\n12.2% and comprised a 4.5% Pillar 1 minimum, a 2.5% Capital\nConservation Buffer (CCB), a 1.5% Global Systemically Important\nInstitution (G-SII) buffer, a 2.7% Pillar 2A requirement and a 1.0%\nCountercyclical Capital Buffer (CCyB).

\n\nThe Group’s CCyB is based on the buffer rate applicable for\neach jurisdiction in which the Group has exposures. The buffer\nrates set by other national authorities for non-UK exposures are\nnot currently material.

\n\nThe Group’s Pillar 2A requirement is 4.8% with at least\n56.25% to be met with CET1 capital, equating to 2.7% of RWAs. The\nPillar 2A requirement, based on a point in time assessment, has\nbeen set as a proportion of RWAs and is subject to at least annual\nreview.

\n\nThe Group’s CET1 target ratio of 13-14% takes into account\nminimum capital requirements and applicable buffers. The Group\nremains above its minimum capital regulatory requirements and\napplicable buffers.

\n\nLeverage

\n\nAs at 30 September 2026, the Group was subject to a UK leverage\nratio requirement of 4.1%. This comprised the 3.25% minimum\nrequirement, a G-SII additional leverage ratio buffer (G-SII ALRB)\nof 0.53% and a countercyclical leverage ratio buffer (CCLB) of\n0.3%. The Group is also required to disclose an average UK leverage\nratio which is based on capital on the last day of each month in\nthe quarter and an exposure measure for each day in the\nquarter.

\n\nMREL

\n\nAs at 30 September 2026, the Group was required to meet the higher\nof: (i) two times the sum of 8% Pillar 1 and 4.8% Pillar 2A\nequating to 25.5% of RWAs; and (ii) 6.75% of leverage exposures.\nCET1 capital cannot be counted towards both MREL and the buffers,\nmeaning that the buffers, including any applicable PRA buffer, will\neffectively be applied above MREL requirements.

\n\nSignificant regulatory updates in the period

\n\nIn January 2026, the PRA confirmed the final implementation\ntimetable for the UK Basel 3.1 framework, reaffirming that Basel\n3.1 will be implemented from 1 January 2027. From the same date,\nthe Group’s Overall Capital Requirement will reduce,\nreflecting a 59bps reduction in the Pillar 2A requirement on a CET1\nbasis.

\n\nThe PRA also confirmed its approach to the Fundamental Review of\nthe Trading Book (FRTB), under which implementation of the Internal\nModels Approach (IMA) will be deferred to\n1 January 2028, while all other FRTB components will\ntake effect from 1 January 2027.

\n \n\nCapital ratios \n	\n \n\nAs at 30.09.26 \n	\n \n\nAs at 30.06.26 \n	\n \n\nAs at 31.12.25 \n
\n \n\nCET1 \n	\n \n\n14.2% \n	\n \n\n14.3% \n	\n \n\n14.3% \n
\n \n\nT1 \n	\n \n\n17.8% \n	\n \n\n18.0% \n	\n \n\n17.9% \n
\n \n\nTotal regulatory capital \n	\n \n\n19.9% \n	\n \n\n20.3% \n	\n \n\n20.4% \n
\n \n\nMREL ratio as a percentage of total RWAs \n	\n \n\n35.2% \n	\n \n\n36.7% \n	\n \n\n35.8% \n
\n\n	\n\n	\n\n	\n\n
\n\n \n\nOwn funds and eligible liabilities \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nTotal equity excluding non-controlling interests per the balance\nsheet \n	\n \n\n77,100 \n	\n \n\n79,358 \n	\n \n\n77,784 \n
\n \n\nLess: other equity instruments (recognised as AT1\ncapital) \n	\n \n\n(13,275) \n	\n \n\n(13,275) \n	\n \n\n(12,725) \n
\n \n\nAdjustment to retained earnings for foreseeable ordinary share\ndividends \n	\n \n\n(705) \n	\n \n\n(1,000) \n	\n \n\n(778) \n
\n \n\nAdjustment to retained earnings for foreseeable repurchase of\nshares \n	\n \n\n(316) \n	\n \n\n— \n	\n \n\n(271) \n
\n \n\nAdjustment to retained earnings for foreseeable other equity\ncoupons \n	\n \n\n(45) \n	\n \n\n(38) \n	\n \n\n(36) \n
\n\n	\n\n	\n\n	\n\n
\n \n\nOther regulatory adjustments and deductions \n	\n\n	\n\n	\n\n
\n \n\nAdditional value adjustments (PVA) \n	\n \n\n(2,108) \n	\n \n\n(2,086) \n	\n \n\n(1,956) \n
\n \n\nGoodwill and intangible assets \n	\n \n\n(8,769) \n	\n \n\n(8,845) \n	\n \n\n(8,255) \n
\n \n\nDeferred tax assets that rely on future profitability excluding\ntemporary differences \n	\n \n\n(828) \n	\n \n\n(892) \n	\n \n\n(1,069) \n
\n \n\nFair value reserves related to gains or losses on cash flow\nhedges \n	\n \n\n3,936 \n	\n \n\n1,548 \n	\n \n\n666 \n
\n \n\nExcess of expected losses over impairment \n	\n \n\n(618) \n	\n \n\n(505) \n	\n \n\n(436) \n
\n \n\nGains or losses on liabilities at fair value resulting from own\ncredit \n	\n \n\n707 \n	\n \n\n577 \n	\n \n\n904 \n
\n \n\nDefined benefit pension fund assets \n	\n \n\n(2,468) \n	\n \n\n(2,407) \n	\n \n\n(2,398) \n
\n \n\nDirect and indirect holdings by an institution of own CET1\ninstruments \n	\n \n\n(8) \n	\n \n\n(6) \n	\n \n\n(14) \n
\n \n\nOther regulatory adjustments \n	\n \n\n(237) \n	\n \n\n(186) \n	\n \n\n(346) \n
\n \n\nCET1 capital \n	\n \n\n52,366 \n	\n \n\n52,243 \n	\n \n\n51,070 \n
\n\n	\n\n	\n\n	\n\n
\n \n\nAT1 capital \n	\n\n	\n\n	\n\n
\n \n\nCapital instruments and related share premium accounts \n	\n \n\n13,286 \n	\n \n\n13,286 \n	\n \n\n12,758 \n
\n \n\nOther regulatory adjustments and deductions \n	\n \n\n(10) \n	\n \n\n(10) \n	\n \n\n(33) \n
\n \n\nAT1 capital \n	\n \n\n13,276 \n	\n \n\n13,275 \n	\n \n\n12,725 \n
\n\n	\n\n	\n\n	\n\n
\n \n\nT1 capital \n	\n \n\n65,642 \n	\n \n\n65,519 \n	\n \n\n63,795 \n
\n\n	\n\n	\n\n	\n\n
\n \n\nT2 capital \n	\n\n	\n\n	\n\n
\n \n\nCapital instruments and related share premium accounts \n	\n \n\n8,188 \n	\n \n\n8,479 \n	\n \n\n8,835 \n
\n \n\nQualifying T2 capital (including minority interests) issued by\nsubsidiaries \n	\n \n\n47 \n	\n \n\n49 \n	\n \n\n55 \n
\n \n\nOther regulatory adjustments and deductions \n	\n \n\n(140) \n	\n \n\n(118) \n	\n \n\n(71) \n
\n \n\nTotal regulatory capital \n	\n \n\n73,737 \n	\n \n\n73,929 \n	\n \n\n72,614 \n
\n\n	\n\n	\n\n	\n\n
\n \n\nLess : Ineligible T2 capital (including minority interests) issued\nby subsidiaries \n	\n \n\n(47) \n	\n \n\n(49) \n	\n \n\n(55) \n
\n \n\nEligible liabilities \n	\n \n\n56,549 \n	\n \n\n59,973 \n	\n \n\n55,106 \n
\n \n\nTotal own funds and eligible\nliabilities1 \n	\n \n\n130,239 \n	\n \n\n133,852 \n	\n \n\n127,665 \n
\n\n	\n\n	\n\n	\n\n
\n \n\nTotal RWAs \n	\n \n\n369,753 \n	\n \n\n364,764 \n	\n \n\n356,774 \n

\n\n\n\n

\n\n1

\n\nAs at 30 September 2026, the Group's MREL requirement, excluding\nany applicable PRA buffer, was to hold £112.9bn of own funds\nand eligible liabilities equating to 30.5% of RWAs. The Group\nremains above its MREL regulatory requirement including any\napplicable PRA buffer

\n \n\nMovement in CET1\ncapital \n	\n \n\nThree months ended 30.09.26 \n	\n \n\n Nine months ended 30.09.26 \n
\n\n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nOpening CET1 capital \n	\n \n\n52,243 \n	\n \n\n51,070 \n
\n\n	\n\n	\n\n
\n \n\nProfit for the period attributable to equity holders \n	\n \n\n1,900 \n	\n \n\n6,578 \n
\n \n\nOwn credit relating to derivative liabilities \n	\n \n\n(5) \n	\n \n\n3 \n
\n \n\nOrdinary share dividends paid and foreseen \n	\n \n\n(500) \n	\n \n\n(1,500) \n
\n \n\nPurchased and foreseeable share repurchase \n	\n \n\n(1,000) \n	\n \n\n(2,500) \n
\n \n\nOther equity coupons paid and foreseen \n	\n \n\n(262) \n	\n \n\n(751) \n
\n \n\nIncrease in retained regulatory capital generated from\nearnings \n	\n \n\n133 \n	\n \n\n1,830 \n
\n\n	\n\n	\n\n
\n \n\nNet impact of share schemes \n	\n \n\n153 \n	\n \n\n44 \n
\n \n\nFair value through other comprehensive income reserve \n	\n \n\n(67) \n	\n \n\n34 \n
\n \n\nCurrency translation reserve \n	\n \n\n(36) \n	\n \n\n183 \n
\n \n\nOther reserves \n	\n \n\n(12) \n	\n \n\n(20) \n
\n \n\nIncrease in other qualifying reserves \n	\n \n\n38 \n	\n \n\n241 \n
\n\n	\n\n	\n\n
\n \n\nPension remeasurements within reserves \n	\n \n\n59 \n	\n \n\n35 \n
\n \n\nDefined benefit pension fund asset deduction \n	\n \n\n(60) \n	\n \n\n(70) \n
\n \n\nNet impact of pensions \n	\n \n\n(1) \n	\n \n\n(35) \n
\n\n	\n\n	\n\n
\n \n\nAdditional value adjustments (PVA) \n	\n \n\n(22) \n	\n \n\n(152) \n
\n \n\nGoodwill and intangible assets \n	\n \n\n76 \n	\n \n\n(515) \n
\n \n\nDeferred tax assets that rely on future profitability excluding\nthose arising from temporary differences \n	\n \n\n64 \n	\n \n\n241 \n
\n \n\nExcess of expected loss over impairment \n	\n \n\n(113) \n	\n \n\n(182) \n
\n \n\nDirect and indirect holdings by an institution of own CET1\ninstruments \n	\n \n\n(2) \n	\n \n\n6 \n
\n \n\nOther regulatory adjustments \n	\n \n\n(50) \n	\n \n\n(138) \n
\n \n\nDecrease in regulatory capital due to adjustments and\ndeductions \n	\n \n\n(47) \n	\n \n\n(740) \n
\n\n	\n\n	\n\n
\n \n\nClosing CET1 capital \n	\n \n\n52,366 \n	\n \n\n52,366 \n

\n\nCET1 capital increased by £1.3bn to £52.4bn (December\n2025: £51.1bn). Significant movements in the period\nwere:

\n● £6.6bn\nof capital generated from profit partially offset by distributions\nof £4.8bn comprising:

\n– £2.5bn\nshare buybacks including the now completed £1.5bn share\nbuyback announced with the FY25 and Q126 results and the ongoing\n£1.0bn share buyback announced with Q226\nresults

\n– £1.5bn\nof ordinary share dividends paid and foreseen reflecting the\n£0.8bn half year dividend paid in September 2026 and a\n£0.7bn accrual towards the total 2026\ndividend

\n– £0.8bn\nof equity coupons paid and foreseen

\n● £0.7bn\ndecrease due to regulatory adjustments and deductions including\n£0.5bn of goodwill and intangibles deductions primarily driven\nby the Best Egg acquisition

\n\nRWAs by risk type and\nbusiness

\n\n

\n\nCredit risk

\n\n

\n\nCounterparty credit risk

\n\n

\n\nMarket Risk

\n\n

\n\nOperational risk

\n\nTotal RWAs

\n\n

\n\nSTD

\n\nIRB

\n\n

\n\nSTD

\n\nIRB

\n\nSettlement Risk

\n\nCVA

\n\n

\n\nSTD

\n\nIMA

\n\n

\n\nAs at 30.09.26

\n\n£m

\n\n

\n\n£m

\n\n

\n\n£m

\n\n

\n\n£m

\n\nBarclays UK

\n\n 16,982

\n\n 59,528

\n\n

\n\n 134

\n\n 8

\n\n —

\n\n 36

\n\n

\n\n 144

\n\n —

\n\n

\n\n 13,804

\n\n 90,636

\n\nBarclays UK Corporate Bank

\n\n 4,507

\n\n 18,766

\n\n

\n\n 98

\n\n 282

\n\n —

\n\n 3

\n\n

\n\n 14

\n\n 252

\n\n

\n\n 3,530

\n\n 27,452

\n\nBarclays Private Bank & Wealth Management

\n\n 5,104

\n\n 588

\n\n

\n\n 126

\n\n 21

\n\n —

\n\n 11

\n\n

\n\n 36

\n\n 170

\n\n

\n\n 2,062

\n\n 8,118

\n\nBarclays Investment Bank

\n\n 44,591

\n\n 53,088

\n\n

\n\n 23,774

\n\n 23,137

\n\n 330

\n\n 2,475

\n\n

\n\n 13,449

\n\n 19,947

\n\n

\n\n 25,275

\n\n 206,066

\n\nBarclays US Consumer Bank

\n\n 17,966

\n\n 967

\n\n

\n\n —

\n\n

\n\n —

\n\n

\n\n 5,394

\n\n 24,327

\n\nHead Office

\n\n5,818

\n\n5,935

\n\n

\n\n—

\n\n4

\n\n—

\n\n

\n\n277

\n\n30

\n\n

\n\n1,090

\n\n13,154

\n\nBarclays Group

\n\n94,968

\n\n138,872

\n\n

\n\n24,132

\n\n23,452

\n\n330

\n\n2,525

\n\n

\n\n13,920

\n\n20,399

\n\n

\n\n51,155

\n\n369,753

\n\nAs at 30.06.26

\n\n

\n\nBarclays UK

\n\n 16,987

\n\n 57,919

\n\n

\n\n 118

\n\n 9

\n\n —

\n\n 33

\n\n

\n\n 135

\n\n —

\n\n

\n\n 13,804

\n\n 89,005

\n\nBarclays UK Corporate Bank

\n\n 3,866

\n\n 18,522

\n\n

\n\n 97

\n\n 260

\n\nb —

\n\n 3

\n\n

\n\n 16

\n\n 274

\n\n

\n\n 3,530

\n\n 26,568

\n\nBarclays Private Bank & Wealth Management

\n\n 5,002

\n\n 570

\n\n

\n\n 128

\n\n 25

\n\n —

\n\n 11

\n\n

\n\n 37

\n\n 185

\n\n

\n\n 2,062

\n\n 8,020

\n\nBarclays Investment Bank

\n\n 44,721

\n\n 51,050

\n\n

\n\n 25,723

\n\n 22,591

\n\n 336

\n\n 2,566

\n\n

\n\n 12,110

\n\n 19,772

\n\n

\n\n 25,275

\n\n 204,144

\n\nBarclays US Consumer Bank

\n\n 17,894

\n\n 1,016

\n\n

\n\n —

\n\n

\n\n —

\n\n

\n\n 5,394

\n\n 24,304

\n\nHead Office

\n\n 5,538

\n\n 5,883

\n\n

\n\n 1

\n\n 4

\n\n —

\n\n

\n\n 175

\n\n 32

\n\n

\n\n 1,090

\n\n 12,723

\n\nBarclays Group

\n\n 94,008

\n\n 134,960

\n\n

\n\n 26,067

\n\n 22,889

\n\n 336

\n\n 2,613

\n\n

\n\n 12,473

\n\n 20,263

\n\n

\n\n 51,155

\n\n 364,764

\n\nAs at 31.12.25

\n\n

\n\nBarclays UK

\n\n 16,731

\n\n 55,037

\n\n

\n\n 132

\n\n 8

\n\n —

\n\n 43

\n\n

\n\n 177

\n\n —

\n\n

\n\n 13,697

\n\n 85,825

\n\nBarclays UK Corporate Bank

\n\n 3,878

\n\n 18,341

\n\n

\n\n 89

\n\n 312

\n\n 1

\n\n 4

\n\n

\n\n 31

\n\n 343

\n\n

\n\n 3,510

\n\n 26,509

\n\nBarclays Private Bank & Wealth Management

\n\n 4,981

\n\n 580

\n\n

\n\n 112

\n\n 19

\n\n —

\n\n 11

\n\n

\n\n 39

\n\n 240

\n\n

\n\n 2,054

\n\n 8,036

\n\nBarclays Investment Bank

\n\n 44,961

\n\n 49,750

\n\n

\n\n 21,986

\n\n 19,442

\n\n 165

\n\n 3,030

\n\n

\n\n 12,018

\n\n 20,111

\n\n

\n\n 25,238

\n\n 196,701

\n\nBarclays US Consumer Bank

\n\n 21,050

\n\n 1,004

\n\n

\n\n —

\n\n 1

\n\n —

\n\n

\n\n —

\n\n

\n\n 5,393

\n\n 27,448

\n\nHead Office

\n\n 5,405

\n\n 5,439

\n\n

\n\n 1

\n\n 5

\n\n —

\n\n

\n\n 219

\n\n 59

\n\n

\n\n 1,127

\n\n 12,255

\n\nBarclays Group

\n\n 97,006

\n\n 130,151

\n\n

\n\n 22,320

\n\n 19,787

\n\n 166

\n\n 3,088

\n\n

\n\n 12,484

\n\n 20,753

\n\n

\n\n 51,019

\n\n 356,774

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nMovement analysis of\nRWAs \n	\n \n\nCredit risk \n	\n \n\nCounterparty credit risk \n	\n \n\nMarket risk \n	\n \n\nOperational risk \n	\n \n\nTotal RWAs \n
\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nRWAs as at 31.12.25 \n	\n \n\n227,157 \n	\n \n\n45,361 \n	\n \n\n33,237 \n	\n \n\n51,019 \n	\n \n\n356,774 \n
\n \n\nBook size \n	\n \n\n10,270 \n	\n \n\n5,196 \n	\n \n\n900 \n	\n \n\n136 \n	\n \n\n16,502 \n
\n \n\nAcquisitions and disposals \n	\n \n\n(3,192) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(3,192) \n
\n \n\nBook quality \n	\n \n\n(574) \n	\n \n\n(61) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(635) \n
\n \n\nModel updates \n	\n \n\n— \n	\n \n\n(289) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(289) \n
\n \n\nMethodology and policy \n	\n \n\n(689) \n	\n \n\n29 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(660) \n
\n \n\nForeign exchange movements1 \n	\n \n\n868 \n	\n \n\n203 \n	\n \n\n182 \n	\n \n\n— \n	\n \n\n1,253 \n
\n \n\nTotal RWA movements \n	\n \n\n6,683 \n	\n \n\n5,078 \n	\n \n\n1,082 \n	\n \n\n136 \n	\n \n\n12,979 \n
\n \n\nRWAs as at 30.09.26 \n	\n \n\n233,840 \n	\n \n\n50,439 \n	\n \n\n34,319 \n	\n \n\n51,155 \n	\n \n\n369,753 \n

\n\n\n\n

\n\n1

\n\nForeign exchange movements does not include the impact of foreign\nexchange for modelled market risk or operational risk.

\n\nTotal RWAs increased £13.0bn to £369.8bn (December 2025:\n£356.8bn) primarily driven by:

\n\nCredit risk RWAs increased £6.7bn:

\n● A\n£10.3bn increase in book size primarily reflecting lending\ngrowth in UK businesses and increased lending within IB; partially\noffset by

\n● A\n£3.2bn decrease in acquisitions and disposals reflecting the\nnet impact of the AA portfolio exit and the Best Egg\nacquisition

\n\nCounterparty credit risk RWAs increased £5.1bn primarily\ndriven by higher activity in Global Markets

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nLeverage ratios \n	\n \n\nAs at 30.09.26 \n	\n \n\nAs at 30.06.26 \n	\n \n\nAs at 31.12.25 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nUK leverage ratio1 \n	\n \n\n4.9% \n	\n \n\n4.9% \n	\n \n\n5.1% \n
\n \n\nT1 capital \n	\n \n\n65,642 \n	\n \n\n65,519 \n	\n \n\n63,795 \n
\n \n\nUK leverage exposure \n	\n \n\n1,344,015 \n	\n \n\n1,345,596 \n	\n \n\n1,247,313 \n
\n \n\nAverage UK leverage ratio \n	\n \n\n4.6% \n	\n \n\n4.6% \n	\n \n\n4.7% \n
\n \n\nAverage T1 capital \n	\n \n\n64,449 \n	\n \n\n63,787 \n	\n \n\n63,277 \n
\n \n\nAverage UK leverage exposure \n	\n \n\n1,387,668 \n	\n \n\n1,393,843 \n	\n \n\n1,358,364 \n

\n\n\n\n

\n\n1

\n\nAlthough the leverage ratio is expressed in terms of T1 capital,\nthe leverage ratio buffers and 75% of the minimum requirement must\nbe covered solely with CET1 capital. The CET1 capital held against\nthe 0.53% G-SII ALRB was £7.1bn and against the 0.3% CCLB was\n£4.0bn.

\n\nThe UK leverage ratio decreased to 4.9% (December 2025: 5.1%)\nprimarily driven by a £96.7bn increase in leverage exposure to\n£1,344.0bn (December 2025: £1,247.3bn), partially offset\nby a £1.8bn increase in Tier 1 capital. The increase in\nleverage exposure was driven by higher trading activity in Global\nMarkets and increased lending across the Group

\n\nCondensed Consolidated Financial\nStatements

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nCondensed consolidated income\nstatement (unaudited) \n
\n\n	\n \n\nNine months \n \n\nended \n \n\n30.09.26 \n	\n \n\nNine months \n \n\nended \n \n\n30.09.25 \n
\n\n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nTotal income \n	\n \n\n23,866 \n	\n \n\n22,063 \n
\n \n\nOperating expenses excluding UK regulatory levies & litigation\nand conduct \n	\n \n\n(13,438) \n	\n \n\n(12,661) \n
\n \n\nUK regulatory levies \n	\n \n\n(95) \n	\n \n\n(84) \n
\n \n\nLitigation and conduct \n	\n \n\n(92) \n	\n \n\n(342) \n
\n \n\nOperating expenses \n	\n \n\n(13,625) \n	\n \n\n(13,087) \n
\n \n\nOther net income \n	\n \n\n44 \n	\n \n\n48 \n
\n \n\nProfit before impairment \n	\n \n\n10,285 \n	\n \n\n9,024 \n
\n \n\nCredit impairment charges \n	\n \n\n(1,897) \n	\n \n\n(1,744) \n
\n \n\nProfit before tax \n	\n \n\n8,388 \n	\n \n\n7,280 \n
\n \n\nTax charge \n	\n \n\n(1,791) \n	\n \n\n(1,538) \n
\n \n\nProfit after tax \n	\n \n\n6,597 \n	\n \n\n5,742 \n
\n\n	\n\n	\n\n
\n \n\nAttributable to: \n	\n\n	\n\n
\n \n\nShareholders of the parent \n	\n \n\n5,837 \n	\n \n\n4,980 \n
\n \n\nOther equity holders \n	\n \n\n741 \n	\n \n\n739 \n
\n \n\nEquity holders of the parent \n	\n \n\n6,578 \n	\n \n\n5,719 \n
\n \n\nNon-controlling interests \n	\n \n\n19 \n	\n \n\n23 \n
\n \n\nProfit after tax \n	\n \n\n6,597 \n	\n \n\n5,742 \n
\n\n	\n\n	\n\n
\n \n\nEarnings per share \n	\n\n	\n\n
\n \n\nBasic earnings per ordinary share \n	\n \n\n43.0p \n	\n \n\n35.1p \n

\n \n\nCondensed consolidated balance sheet\n(unaudited) \n
\n\n	\n \n\nAs at 30.09.26 \n	\n \n\nAs at 31.12.25 \n
\n \n\nAssets \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nCash and balances at central banks \n	\n \n\n253,290 \n	\n \n\n229,752 \n
\n \n\nCash collateral and settlement balances \n	\n \n\n179,396 \n	\n \n\n130,532 \n
\n \n\nDebt securities at amortised cost \n	\n \n\n70,787 \n	\n \n\n68,475 \n
\n \n\nLoans and advances at amortised cost to banks \n	\n \n\n10,526 \n	\n \n\n8,638 \n
\n \n\nLoans and advances at amortised cost to customers \n	\n \n\n373,149 \n	\n \n\n352,885 \n
\n \n\nReverse repurchase agreements and other similar secured lending at\namortised cost \n	\n \n\n12,051 \n	\n \n\n17,622 \n
\n \n\nTrading portfolio assets \n	\n \n\n215,985 \n	\n \n\n190,061 \n
\n \n\nFinancial assets at fair value through the income\nstatement \n	\n \n\n201,717 \n	\n \n\n186,857 \n
\n \n\nDerivative financial instruments \n	\n \n\n308,971 \n	\n \n\n252,459 \n
\n \n\nFinancial assets at fair value through other comprehensive\nincome \n	\n \n\n82,203 \n	\n \n\n74,394 \n
\n \n\nInvestments in associates and joint ventures \n	\n \n\n751 \n	\n \n\n739 \n
\n \n\nGoodwill and intangible assets \n	\n \n\n8,994 \n	\n \n\n8,284 \n
\n \n\nCurrent tax assets \n	\n \n\n494 \n	\n \n\n276 \n
\n \n\nDeferred tax assets \n	\n \n\n5,654 \n	\n \n\n4,992 \n
\n \n\nAssets included in a disposal group classified as held for\nsale \n	\n \n\n— \n	\n \n\n5,932 \n
\n \n\nOther assets \n	\n \n\n13,612 \n	\n \n\n12,267 \n
\n \n\nTotal assets \n	\n \n\n1,737,580 \n	\n \n\n1,544,165 \n
\n\n	\n\n	\n\n
\n \n\nLiabilities \n	\n\n	\n\n
\n \n\nDeposits at amortised cost from banks \n	\n \n\n15,783 \n	\n \n\n20,413 \n
\n \n\nDeposits at amortised cost from customers \n	\n \n\n583,476 \n	\n \n\n565,200 \n
\n \n\nCash collateral and settlement balances \n	\n \n\n178,471 \n	\n \n\n117,583 \n
\n \n\nRepurchase agreements and other similar secured borrowings at\namortised cost \n	\n \n\n29,269 \n	\n \n\n25,170 \n
\n \n\nDebt securities in issue \n	\n \n\n119,085 \n	\n \n\n119,033 \n
\n \n\nSubordinated liabilities \n	\n \n\n10,638 \n	\n \n\n12,954 \n
\n \n\nTrading portfolio liabilities \n	\n \n\n84,114 \n	\n \n\n57,737 \n
\n \n\nFinancial liabilities designated at fair value \n	\n \n\n327,268 \n	\n \n\n294,108 \n
\n \n\nDerivative financial instruments \n	\n \n\n298,339 \n	\n \n\n240,808 \n
\n \n\nCurrent tax liabilities \n	\n \n\n992 \n	\n \n\n868 \n
\n \n\nDeferred tax liabilities \n	\n \n\n13 \n	\n \n\n13 \n
\n \n\nOther liabilities \n	\n \n\n12,578 \n	\n \n\n12,042 \n
\n \n\nTotal liabilities \n	\n \n\n1,660,026 \n	\n \n\n1,465,929 \n
\n\n	\n\n	\n\n
\n \n\nEquity \n	\n\n	\n\n
\n \n\nCalled up share capital and share premium \n	\n \n\n4,171 \n	\n \n\n4,178 \n
\n \n\nOther equity instruments \n	\n \n\n13,275 \n	\n \n\n12,725 \n
\n \n\nOther reserves \n	\n \n\n(1,070) \n	\n \n\n1,628 \n
\n \n\nRetained earnings \n	\n \n\n60,724 \n	\n \n\n59,253 \n
\n \n\nTotal equity excluding non-controlling interests \n	\n \n\n77,100 \n	\n \n\n77,784 \n
\n \n\nNon-controlling interests \n	\n \n\n454 \n	\n \n\n452 \n
\n \n\nTotal equity \n	\n \n\n77,554 \n	\n \n\n78,236 \n
\n\n	\n\n	\n\n
\n \n\nTotal liabilities and equity \n	\n \n\n1,737,580 \n	\n \n\n1,544,165 \n

\n \n\nCondensed consolidated statement of\nchanges in equity (unaudited) \n
\n\n	\n \n\nCalled up share capital and share premium \n	\n \n\nOther equity instruments \n	\n \n\nOther reserves \n	\n\n\n \n\nRetained earnings \n	\n\n\n \n\nTotal \n	\n \n\nNon-controlling interests \n	\n\n \n\nTotal equity \n
\n \n\nNine months ended 30.09.2026 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nBalance as at 1 January 2026 \n	\n \n\n4,178 \n	\n \n\n12,725 \n	\n \n\n1,628 \n	\n \n\n59,253 \n	\n \n\n77,784 \n	\n \n\n452 \n	\n \n\n78,236 \n
\n \n\nProfit after tax \n	\n \n\n— \n	\n \n\n741 \n	\n \n\n— \n	\n \n\n5,837 \n	\n \n\n6,578 \n	\n \n\n19 \n	\n \n\n6,597 \n
\n \n\nCurrency translation movements \n	\n \n\n— \n	\n \n\n— \n	\n \n\n183 \n	\n \n\n— \n	\n \n\n183 \n	\n \n\n— \n	\n \n\n183 \n
\n \n\nFair value through other comprehensive income reserve \n	\n \n\n— \n	\n \n\n— \n	\n \n\n34 \n	\n \n\n— \n	\n \n\n34 \n	\n \n\n— \n	\n \n\n34 \n
\n \n\nCash flow hedges \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(3,270) \n	\n \n\n— \n	\n \n\n(3,270) \n	\n \n\n— \n	\n \n\n(3,270) \n
\n \n\nRetirement benefit remeasurements \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n35 \n	\n \n\n35 \n	\n \n\n— \n	\n \n\n35 \n
\n \n\nOwn credit \n	\n \n\n— \n	\n \n\n— \n	\n \n\n200 \n	\n \n\n— \n	\n \n\n200 \n	\n \n\n— \n	\n \n\n200 \n
\n \n\nTotal comprehensive income for the period \n	\n \n\n— \n	\n \n\n741 \n	\n \n\n(2,853) \n	\n \n\n5,872 \n	\n \n\n3,760 \n	\n \n\n19 \n	\n \n\n3,779 \n
\n \n\nEmployee share schemes and hedging thereof \n	\n \n\n127 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n603 \n	\n \n\n730 \n	\n \n\n— \n	\n \n\n730 \n
\n \n\nIssue and redemption of other equity instruments \n	\n \n\n— \n	\n \n\n527 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n527 \n	\n \n\n— \n	\n \n\n527 \n
\n \n\nOther equity instruments coupon paid \n	\n \n\n— \n	\n \n\n(741) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(741) \n	\n \n\n— \n	\n \n\n(741) \n
\n \n\nRedemption of preference shares \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n
\n \n\nVesting of employee share schemes net of purchases \n	\n \n\n— \n	\n \n\n— \n	\n \n\n15 \n	\n \n\n(963) \n	\n \n\n(948) \n	\n \n\n— \n	\n \n\n(948) \n
\n \n\nDividends paid \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(1,564) \n	\n \n\n(1,564) \n	\n \n\n(19) \n	\n \n\n(1,583) \n
\n \n\nRepurchase of shares \n	\n \n\n(134) \n	\n \n\n— \n	\n \n\n134 \n	\n \n\n(2,469) \n	\n \n\n(2,469) \n	\n \n\n— \n	\n \n\n(2,469) \n
\n \n\nOther movements \n	\n \n\n— \n	\n \n\n23 \n	\n \n\n6 \n	\n \n\n(8) \n	\n \n\n21 \n	\n \n\n2 \n	\n \n\n23 \n
\n \n\nBalance as at 30 September 2026 \n	\n \n\n4,171 \n	\n \n\n13,275 \n	\n \n\n(1,070) \n	\n \n\n60,724 \n	\n \n\n77,100 \n	\n \n\n454 \n	\n \n\n77,554 \n

\n \n\nThree months ended 30.09.2026 \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nBalance as at 1 July 2026 \n	\n \n\n4,186 \n	\n \n\n13,275 \n	\n \n\n1,493 \n	\n \n\n60,404 \n	\n \n\n79,358 \n	\n \n\n453 \n	\n \n\n79,811 \n
\n \n\nProfit after tax \n	\n \n\n— \n	\n \n\n254 \n	\n \n\n— \n	\n \n\n1,646 \n	\n \n\n1,900 \n	\n \n\n— \n	\n \n\n1,900 \n
\n \n\nCurrency translation movements \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(36) \n	\n \n\n— \n	\n \n\n(36) \n	\n \n\n— \n	\n \n\n(36) \n
\n \n\nFair value through other comprehensive income reserve \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(67) \n	\n \n\n— \n	\n \n\n(67) \n	\n \n\n— \n	\n \n\n(67) \n
\n \n\nCash flow hedges \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(2,388) \n	\n \n\n— \n	\n \n\n(2,388) \n	\n \n\n— \n	\n \n\n(2,388) \n
\n \n\nRetirement benefit remeasurements \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n59 \n	\n \n\n59 \n	\n \n\n— \n	\n \n\n59 \n
\n \n\nOwn credit \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(134) \n	\n \n\n— \n	\n \n\n(134) \n	\n \n\n— \n	\n \n\n(134) \n
\n \n\nTotal comprehensive income for the period \n	\n \n\n— \n	\n \n\n254 \n	\n \n\n(2,625) \n	\n \n\n1,705 \n	\n \n\n(666) \n	\n \n\n— \n	\n \n\n(666) \n
\n \n\nEmployee share schemes and hedging thereof \n	\n \n\n18 \n	\n \n\n— \n	\n \n\n— \n	\n \n\n124 \n	\n \n\n142 \n	\n \n\n— \n	\n \n\n142 \n
\n \n\nIssue and redemption of other equity instruments \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n
\n \n\nOther equity instruments coupon paid \n	\n \n\n— \n	\n \n\n(254) \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(254) \n	\n \n\n— \n	\n \n\n(254) \n
\n \n\nVesting of employee shares scheme net of purchases \n	\n \n\n— \n	\n \n\n— \n	\n \n\n26 \n	\n \n\n(15) \n	\n \n\n11 \n	\n \n\n— \n	\n \n\n11 \n
\n \n\nDividends paid \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n(795) \n	\n \n\n(795) \n	\n \n\n— \n	\n \n\n(795) \n
\n \n\nRepurchase of shares \n	\n \n\n(33) \n	\n \n\n— \n	\n \n\n33 \n	\n \n\n(688) \n	\n \n\n(688) \n	\n \n\n— \n	\n \n\n(688) \n
\n \n\nOther movements \n	\n \n\n— \n	\n \n\n— \n	\n \n\n3 \n	\n \n\n(11) \n	\n \n\n(8) \n	\n \n\n1 \n	\n \n\n(7) \n
\n \n\nBalance as at 30 September 2026 \n	\n \n\n4,171 \n	\n \n\n13,275 \n	\n \n\n(1,070) \n	\n \n\n60,724 \n	\n \n\n77,100 \n	\n \n\n454 \n	\n \n\n77,554 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\n	\n \n\nAs at As at 30.09.2026 \n	\n \n\nAs at As at 31.12.2025 \n
\n \n\nOther Reserves \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nCurrency translation reserve \n	\n \n\n2,676 \n	\n \n\n2,493 \n
\n \n\nFair value through other comprehensive income reserve \n	\n \n\n(1,067) \n	\n \n\n(1,100) \n
\n \n\nCash flow hedging reserve \n	\n \n\n(3,936) \n	\n \n\n(666) \n
\n \n\nOwn credit reserve \n	\n \n\n(783) \n	\n \n\n(990) \n
\n \n\nOther reserves and treasury shares \n	\n \n\n2,040 \n	\n \n\n1,891 \n
\n \n\nTotal \n	\n \n\n(1,070) \n	\n \n\n1,628 \n

\n\nAppendix: Non-IFRS Performance\nMeasures

\n\nThe Group’s management believes that the non-IFRS performance\nmeasures included in this document provide valuable information to\nthe readers of the financial statements, as they enable the reader\nto identify a more consistent basis for comparing the\nbusinesses’ performance between financial periods, and\nprovide more detail concerning the elements of performance which\nthe managers of these businesses are most directly able to\ninfluence or are relevant for an assessment of the Group. They also\nreflect an important aspect of the way in which operating targets\nare defined and performance is monitored by\nmanagement.

\n\nHowever, any non-IFRS performance measures in this document are not\na substitute for IFRS measures and readers should consider the IFRS\nmeasures as well.

\n\nNon-IFRS performance measures glossary

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nMeasure \n	\n \n\nDefinition \n
\n \n\nLoan: deposit ratio \n\n	\n \n\nLoan: deposit ratio is calculated as total loans and advances at\namortised cost (including debt securities) divided by total\ndeposits at amortised cost. \n
\n \n\nCustomer Loan: deposit ratio \n\n	\n \n\nCustomer loans and advances at amortised cost divided by customer\ndeposits at amortised cost. \n
\n \n\nPeriod end tangible equity refers to: \n	\n\n
\n \n\nPeriod end tangible shareholders' equity (for Barclays\nGroup) \n\n	\n \n\nShareholders' equity attributable to ordinary shareholders of the\nparent, adjusted for the deduction of goodwill and intangible\nassets. \n
\n \n\nPeriod end allocated tangible equity (for businesses) \n	\n \n\nAllocated tangible equity is calculated as 13.5% (2025: 13.5%) of\nRWAs for each business, adjusted for capital deductions, excluding\ngoodwill and intangible assets, reflecting the assumptions the\nBarclays Group uses for capital planning purposes. Head Office\nallocated tangible equity represents the difference between the\nBarclays Group’s tangible shareholders’ equity and the\namounts allocated to businesses. \n
\n \n\nAverage tangible equity refers to: \n	\n\n
\n \n\nAverage tangible shareholders’ equity (for Barclays\nGroup) \n	\n \n\nCalculated as the average of the previous month’s period end\ntangible shareholders' equity and the current month’s period\nend tangible shareholders' equity. The average tangible\nshareholders’ equity for the period is the average of the\nmonthly averages within that period. \n\n
\n \n\nAverage allocated tangible equity (for businesses) \n\n	\n \n\nCalculated as the average of the previous month’s period end\nallocated tangible equity and the current month’s period end\nallocated tangible equity. The average allocated tangible equity\nfor the period is the average of the monthly averages within that\nperiod. \n
\n \n\nReturn on tangible equity (RoTE) refers to: \n	\n\n
\n \n\nReturn on average tangible shareholders’ equity (for Barclays\nGroup) \n\n	\n \n\nAnnualised Group attributable profit, as a proportion of average\ntangible shareholders’ equity. The components of the\ncalculation have been included on page 71. \n
\n \n\nReturn on average allocated tangible equity (for\nbusinesses) \n	\n \n\nAnnualised business attributable profit, as a proportion of that\nbusiness's average allocated tangible equity. The components of the\ncalculation have been included on pages 72 to 73. \n
\n\n	\n\n
\n \n\nOperating costs \n\n	\n \n\nA measure of total operating expenses excluding litigation and\nconduct charges and UK regulatory levies. \n
\n \n\nCost: income ratio \n\n	\n \n\nTotal operating expenses divided by total income. \n
\n \n\nLoan loss rate \n	\n \n\nQuoted in basis points and represents total impairment charges\ndivided by total gross loans and advances held at amortised cost\n(including portfolios reclassified to assets held for sale) at the\nbalance sheet date. The components of the calculation have been\nincluded on pages 74 to 76. \n\n
\n \n\nNet interest margin \n\n	\n \n\nAnnualised net interest income divided by the sum of average\ncustomer assets. The components of the calculation have been\nincluded on page 42. \n
\n \n\nTangible net asset value per share \n\n	\n \n\nCalculated by dividing shareholders’ equity, excluding\nnon-controlling interests and other equity instruments, less\ngoodwill and intangible assets, by the number of issued ordinary\nshares. The components of the calculation have been included on\npage 79. \n
\n \n\nProfit before impairment \n\n	\n \n\nCalculated by excluding credit impairment charges or releases from\nprofit before tax. \n
\n \n\nNet New Assets Under Management \n\n	\n \n\nThe net inflows and outflows of client balances within\nDiscretionary Portfolio Management and Advisory mandates. Excludes\nmarket performance and foreign exchange translation but includes\nreinvested dividend payments. \n
\n \n\nAssets under Management (AUM) \n	\n \n\nTotal market value of client investment balances managed within\ninvestment mandates where Barclays provides discretionary portfolio\nmanagement or advisory services. Total Assets Under Management\nexcludes uninvested cash held under an investment mandate and\nreported within deposits. \n\n
\n \n\nAssets under Supervision (AUS) \n\n	\n \n\nTotal market value of client investment balances where Barclays\nprovides custodian or transactional services. \n
\n \n\nGroup net interest income excluding Barclays Investment Bank and\nHead Office \n\n	\n \n\nA measure of Barclays Group net interest income, excluding the net\ninterest income reported in Barclays Investment Bank and Head\nOffice. \n
\n\n \n\nIncome over average risk weighted assets \n	\n\n \n\nRepresents total income as a proportion of average risk weighted\nassets. Average risk weighted assets calculated as the average of\nthe previous month’s period end risk weighted assets and\nthe \n \n\ncurrent month’s period end risk weighted assets. Average risk\nweighted assets for the period is the average of the monthly\naverages within that period. \n
\n\n	\n\n	\n\n

\nReturns

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\n	\n \n\nNine months ended 30.09.26 \n	\n\n
\n\n	\n \n\nBarclays UK \n	\n \n\nBarclays UK Corporate Bank \n	\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\nBarclays Investment Bank \n	\n \n\nBarclays US Consumer Bank \n	\n \n\nHead Office \n	\n \n\nBarclays Group \n
\n \n\nReturn on average tangible equity \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nAttributable profit/(loss) \n	\n \n\n1,880 \n	\n \n\n606 \n	\n \n\n216 \n	\n \n\n3,035 \n	\n \n\n521 \n	\n \n\n(421) \n	\n \n\n5,837 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n
\n \n\nAverage equity \n	\n \n\n16.2 \n	\n \n\n3.7 \n	\n \n\n1.2 \n	\n \n\n30.0 \n	\n \n\n4.2 \n	\n \n\n9.9 \n	\n \n\n65.2 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n(3.9) \n	\n \n\n— \n	\n \n\n(0.1) \n	\n \n\n— \n	\n \n\n(0.7) \n	\n \n\n(3.9) \n	\n \n\n(8.6) \n
\n \n\nAverage tangible equity \n	\n \n\n12.3 \n	\n \n\n3.7 \n	\n \n\n1.1 \n	\n \n\n30.0 \n	\n \n\n3.5 \n	\n \n\n6.0 \n	\n \n\n56.6 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average tangible equity \n	\n \n\n20.4% \n	\n \n\n21.6% \n	\n \n\n25.4% \n	\n \n\n13.5% \n	\n \n\n19.9% \n	\n \n\nn/m \n	\n \n\n13.8% \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\n	\n \n\nNine months ended 30.09.25 \n	\n\n
\n\n	\n \n\nBarclays UK \n	\n \n\nBarclays UK Corporate Bank \n	\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\nBarclays Investment Bank \n	\n \n\nBarclays US Consumer Bank \n	\n \n\nHead Office \n	\n \n\nBarclays Group \n
\n \n\nReturn on average tangible equity \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nAttributable profit/(loss) \n	\n \n\n1,737 \n	\n \n\n480 \n	\n \n\n256 \n	\n \n\n2,798 \n	\n \n\n246 \n	\n \n\n(537) \n	\n \n\n4,980 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n
\n \n\nAverage equity \n	\n \n\n15.8 \n	\n \n\n3.4 \n	\n \n\n1.2 \n	\n \n\n29.0 \n	\n \n\n4.1 \n	\n \n\n8.8 \n	\n \n\n62.3 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n(4.0) \n	\n \n\n— \n	\n \n\n(0.1) \n	\n \n\n— \n	\n \n\n(0.6) \n	\n \n\n(3.6) \n	\n \n\n(8.3) \n
\n \n\nAverage tangible equity \n	\n \n\n11.8 \n	\n \n\n3.4 \n	\n \n\n1.1 \n	\n \n\n29.0 \n	\n \n\n3.5 \n	\n \n\n5.3 \n	\n \n\n54.0 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average tangible equity \n	\n \n\n19.6% \n	\n \n\n18.8% \n	\n \n\n30.9% \n	\n \n\n12.9% \n	\n \n\n9.4% \n	\n \n\nn/m \n	\n \n\n12.3% \n

\n \n\nBarclays Group \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average tangible shareholders' equity \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nAttributable profit \n	\n \n\n1,646 \n	\n \n\n2,259 \n	\n \n\n1,932 \n	\n\n	\n \n\n1,195 \n	\n \n\n1,457 \n	\n \n\n1,659 \n	\n \n\n1,864 \n	\n\n	\n \n\n965 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nAverage shareholders' equity \n	\n \n\n65.3 \n	\n \n\n64.8 \n	\n \n\n65.5 \n	\n\n	\n \n\n64.8 \n	\n \n\n63.3 \n	\n \n\n62.1 \n	\n \n\n61.4 \n	\n\n	\n \n\n59.7 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n(8.9) \n	\n \n\n(8.7) \n	\n \n\n(8.3) \n	\n\n	\n \n\n(8.3) \n	\n \n\n(8.2) \n	\n \n\n(8.2) \n	\n \n\n(8.3) \n	\n\n	\n \n\n(8.2) \n
\n \n\nAverage tangible shareholders' equity \n	\n \n\n56.4 \n	\n \n\n56.1 \n	\n \n\n57.2 \n	\n\n	\n \n\n56.5 \n	\n \n\n55.1 \n	\n \n\n53.9 \n	\n \n\n53.1 \n	\n\n	\n \n\n51.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average tangible shareholders' equity \n	\n \n\n11.7% \n	\n \n\n16.1% \n	\n \n\n13.5% \n	\n\n	\n \n\n8.5% \n	\n \n\n10.6% \n	\n \n\n12.3% \n	\n \n\n14.0% \n	\n\n	\n \n\n7.5% \n

\n \n\nBarclays\nUK \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nAttributable profit \n	\n \n\n666 \n	\n \n\n623 \n	\n \n\n591 \n	\n\n	\n \n\n706 \n	\n \n\n647 \n	\n \n\n580 \n	\n \n\n510 \n	\n\n	\n \n\n781 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nAverage allocated equity \n	\n \n\n16.5 \n	\n \n\n16.2 \n	\n \n\n15.9 \n	\n\n	\n \n\n15.9 \n	\n \n\n15.9 \n	\n \n\n15.8 \n	\n \n\n15.7 \n	\n\n	\n \n\n15.1 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n(3.9) \n	\n \n\n(4.0) \n	\n \n\n(3.9) \n	\n\n	\n \n\n(4.0) \n	\n \n\n(4.0) \n	\n \n\n(4.0) \n	\n \n\n(4.0) \n	\n\n	\n \n\n(3.9) \n
\n \n\nAverage allocated tangible equity \n	\n \n\n12.6 \n	\n \n\n12.2 \n	\n \n\n12.0 \n	\n\n	\n \n\n11.9 \n	\n \n\n11.9 \n	\n \n\n11.8 \n	\n \n\n11.7 \n	\n\n	\n \n\n11.2 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\n21.2% \n	\n \n\n20.4% \n	\n \n\n19.7% \n	\n\n	\n \n\n23.8% \n	\n \n\n21.8% \n	\n \n\n19.7% \n	\n \n\n17.4% \n	\n\n	\n \n\n28.0% \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\nBarclays\nUK Corporate Bank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nAttributable profit \n	\n \n\n218 \n	\n \n\n201 \n	\n \n\n187 \n	\n\n	\n \n\n168 \n	\n \n\n196 \n	\n \n\n142 \n	\n \n\n142 \n	\n\n	\n \n\n98 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nAverage allocated equity \n	\n \n\n3.7 \n	\n \n\n3.8 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n \n\n3.4 \n	\n \n\n3.3 \n	\n\n	\n \n\n3.2 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\nAverage allocated tangible equity \n	\n \n\n3.7 \n	\n \n\n3.8 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n \n\n3.4 \n	\n \n\n3.3 \n	\n\n	\n \n\n3.2 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\n23.5% \n	\n \n\n21.3% \n	\n \n\n19.9% \n	\n\n	\n \n\n19.1% \n	\n \n\n22.8% \n	\n \n\n16.6% \n	\n \n\n17.1% \n	\n\n	\n \n\n12.3% \n

\n \n\nBarclays Private Bank and Wealth\nManagement \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nAttributable profit \n	\n \n\n68 \n	\n \n\n75 \n	\n \n\n73 \n	\n\n	\n \n\n35 \n	\n \n\n72 \n	\n \n\n88 \n	\n \n\n96 \n	\n\n	\n \n\n63 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nAverage allocated equity \n	\n \n\n1.2 \n	\n \n\n1.2 \n	\n \n\n1.2 \n	\n\n	\n \n\n1.2 \n	\n \n\n1.2 \n	\n \n\n1.2 \n	\n \n\n1.2 \n	\n\n	\n \n\n1.2 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n(0.1) \n	\n \n\n(0.1) \n	\n \n\n(0.1) \n	\n\n	\n \n\n(0.1) \n	\n \n\n(0.1) \n	\n \n\n(0.1) \n	\n \n\n(0.1) \n	\n\n	\n \n\n(0.1) \n
\n \n\nAverage allocated tangible equity \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n \n\n1.1 \n	\n\n	\n \n\n1.1 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\n23.8% \n	\n \n\n26.9% \n	\n \n\n25.5% \n	\n\n	\n \n\n12.6% \n	\n \n\n26.4% \n	\n \n\n31.9% \n	\n \n\n34.5% \n	\n\n	\n \n\n23.9% \n

\n \n\nBarclays Investment\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nAttributable profit \n	\n \n\n720 \n	\n \n\n1,204 \n	\n \n\n1,111 \n	\n\n	\n \n\n294 \n	\n \n\n723 \n	\n \n\n876 \n	\n \n\n1,199 \n	\n\n	\n \n\n247 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nAverage allocated equity \n	\n \n\n30.4 \n	\n \n\n30.0 \n	\n \n\n29.7 \n	\n\n	\n \n\n29.6 \n	\n \n\n28.6 \n	\n \n\n28.7 \n	\n \n\n29.6 \n	\n\n	\n \n\n29.3 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n \n\n— \n	\n\n	\n \n\n— \n
\n \n\nAverage allocated tangible equity \n	\n \n\n30.4 \n	\n \n\n30.0 \n	\n \n\n29.7 \n	\n\n	\n \n\n29.6 \n	\n \n\n28.6 \n	\n \n\n28.7 \n	\n \n\n29.6 \n	\n\n	\n \n\n29.3 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\n9.5% \n	\n \n\n16.0% \n	\n \n\n15.0% \n	\n\n	\n \n\n4.0% \n	\n \n\n10.1% \n	\n \n\n12.2% \n	\n \n\n16.2% \n	\n\n	\n \n\n3.4% \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\nBarclays US Consumer\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nAttributable profit \n	\n \n\n92 \n	\n \n\n253 \n	\n \n\n176 \n	\n\n	\n \n\n144 \n	\n \n\n118 \n	\n \n\n87 \n	\n \n\n41 \n	\n\n	\n \n\n94 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nAverage allocated equity \n	\n \n\n4.3 \n	\n \n\n4.1 \n	\n \n\n4.3 \n	\n\n	\n \n\n4.2 \n	\n \n\n4.0 \n	\n \n\n4.0 \n	\n \n\n4.2 \n	\n\n	\n \n\n4.0 \n
\n \n\nAverage goodwill and intangibles \n	\n \n\n(0.9) \n	\n \n\n(0.8) \n	\n \n\n(0.5) \n	\n\n	\n \n\n(0.6) \n	\n \n\n(0.5) \n	\n \n\n(0.6) \n	\n \n\n(0.6) \n	\n\n	\n \n\n(0.6) \n
\n \n\nAverage allocated tangible equity \n	\n \n\n3.4 \n	\n \n\n3.3 \n	\n \n\n3.8 \n	\n\n	\n \n\n3.6 \n	\n \n\n3.5 \n	\n \n\n3.4 \n	\n \n\n3.6 \n	\n\n	\n \n\n3.4 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nReturn on average allocated tangible equity \n	\n \n\n10.9% \n	\n \n\n30.2% \n	\n \n\n18.8% \n	\n\n	\n \n\n15.8% \n	\n \n\n13.5% \n	\n \n\n10.2% \n	\n \n\n4.5% \n	\n\n	\n \n\n11.2% \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n\nLoan loss rates

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\n	\n \n\nNine months ended 30.09.26 \n	\n\n
\n\n	\n \n\nBarclays UK \n	\n \n\nBarclays UK Corporate Bank \n	\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\nBarclays Investment Bank \n	\n \n\nBarclays US Consumer Bank \n	\n \n\nHead Office \n	\n \n\nBarclays Group \n
\n \n\nLoan loss rate \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nCredit impairment (charges)/ releases \n	\n \n\n(461) \n	\n \n\n(21) \n	\n \n\n(8) \n	\n \n\n(356) \n	\n \n\n(1,053) \n	\n \n\n2 \n	\n \n\n(1,897) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n243.3 \n	\n \n\n33.2 \n	\n \n\n16.4 \n	\n \n\n139.6 \n	\n \n\n25.5 \n	\n \n\n1.8 \n	\n \n\n459.8 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n25 \n	\n \n\n8 \n	\n \n\n7 \n	\n \n\n34 \n	\n \n\n552 \n	\n \n\nn/m \n	\n \n\n55 \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n\n	\n \n\nNine months ended 30.09.25 \n	\n\n
\n\n	\n \n\nBarclays UK \n	\n \n\nBarclays UK Corporate Bank \n	\n \n\nBarclays Private Bank and Wealth Management \n	\n \n\nBarclays Investment Bank \n	\n \n\nBarclays US Consumer Bank \n	\n \n\nHead Office \n	\n \n\nBarclays Group \n
\n \n\nLoan loss rate \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nCredit impairment (charges)/ releases \n	\n \n\n(339) \n	\n \n\n(36) \n	\n \n\n10 \n	\n \n\n(283) \n	\n \n\n(1,090) \n	\n \n\n(6) \n	\n \n\n(1,744) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n230.9 \n	\n \n\n29.2 \n	\n \n\n15.2 \n	\n \n\n129.8 \n	\n \n\n29.8 \n	\n \n\n2.6 \n	\n \n\n437.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n20 \n	\n \n\n16 \n	\n \n\n(9) \n	\n \n\n29 \n	\n \n\n489 \n	\n \n\nn/m \n	\n \n\n53 \n

\n\n\n\n

\n\n1

\n \n\nBarclays Group \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nCredit impairment charges \n	\n \n\n(503) \n	\n \n\n(571) \n	\n \n\n(823) \n	\n\n	\n \n\n(535) \n	\n \n\n(632) \n	\n \n\n(469) \n	\n \n\n(643) \n	\n\n	\n \n\n(711) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n459.8 \n	\n \n\n450.4 \n	\n \n\n449.9 \n	\n\n	\n \n\n441.3 \n	\n \n\n437.5 \n	\n \n\n428.4 \n	\n \n\n430.4 \n	\n\n	\n \n\n429.6 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n43 \n	\n \n\n51 \n	\n \n\n74 \n	\n\n	\n \n\n48 \n	\n \n\n57 \n	\n \n\n44 \n	\n \n\n61 \n	\n\n	\n \n\n66 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\nBarclays UK \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nCredit impairment charges \n	\n \n\n(123) \n	\n \n\n(160) \n	\n \n\n(178) \n	\n\n	\n \n\n(74) \n	\n \n\n(102) \n	\n \n\n(79) \n	\n \n\n(158) \n	\n\n	\n \n\n(283) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n243.3 \n	\n \n\n239.8 \n	\n \n\n233.6 \n	\n\n	\n \n\n231.9 \n	\n \n\n230.9 \n	\n \n\n228.5 \n	\n \n\n227.5 \n	\n\n	\n \n\n227.5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n20 \n	\n \n\n27 \n	\n \n\n31 \n	\n\n	\n \n\n13 \n	\n \n\n18 \n	\n \n\n14 \n	\n \n\n28 \n	\n\n	\n \n\n49 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\nBarclays UK Corporate\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nCredit impairment charges \n	\n \n\n(2) \n	\n \n\n(16) \n	\n \n\n(3) \n	\n\n	\n \n\n(1) \n	\n \n\n(5) \n	\n \n\n(12) \n	\n \n\n(19) \n	\n\n	\n \n\n(40) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n33.2 \n	\n \n\n31.4 \n	\n \n\n31.0 \n	\n\n	\n \n\n30.2 \n	\n \n\n29.2 \n	\n \n\n28.2 \n	\n \n\n27.0 \n	\n\n	\n \n\n25.8 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n2 \n	\n \n\n20 \n	\n \n\n4 \n	\n\n	\n \n\n1 \n	\n \n\n7 \n	\n \n\n17 \n	\n \n\n28 \n	\n\n	\n \n\n62 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\nBarclays Private Bank and Wealth\nManagement \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nCredit impairment (charges)/releases \n	\n \n\n(5) \n	\n \n\n(5) \n	\n \n\n2 \n	\n\n	\n \n\n(2) \n	\n \n\n(1) \n	\n \n\n2 \n	\n \n\n9 \n	\n\n	\n \n\n(2) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n16.4 \n	\n \n\n15.1 \n	\n \n\n15.1 \n	\n\n	\n \n\n15.1 \n	\n \n\n15.2 \n	\n \n\n14.8 \n	\n \n\n14.8 \n	\n\n	\n \n\n14.7 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n12 \n	\n \n\n13 \n	\n \n\n(6) \n	\n\n	\n \n\n5 \n	\n \n\n3 \n	\n \n\n(5) \n	\n \n\n(25) \n	\n\n	\n \n\n5 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n\n\n\n

\n\n1

\n \n\nBarclays Investment\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nCredit impairment charges \n	\n \n\n(33) \n	\n \n\n(44) \n	\n \n\n(279) \n	\n\n	\n \n\n(22) \n	\n \n\n(144) \n	\n \n\n(67) \n	\n \n\n(72) \n	\n\n	\n \n\n(46) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n139.6 \n	\n \n\n137.2 \n	\n \n\n137.4 \n	\n\n	\n \n\n131.0 \n	\n \n\n129.8 \n	\n \n\n126.8 \n	\n \n\n129.6 \n	\n\n	\n \n\n124.9 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n9 \n	\n \n\n13 \n	\n \n\n82 \n	\n\n	\n \n\n7 \n	\n \n\n44 \n	\n \n\n21 \n	\n \n\n23 \n	\n\n	\n \n\n15 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n \n\nBarclays US Consumer\nBank \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n \n\nQ125 \n	\n\n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n
\n \n\nCredit impairment charges \n	\n \n\n(340) \n	\n \n\n(346) \n	\n \n\n(367) \n	\n\n	\n \n\n(431) \n	\n \n\n(379) \n	\n \n\n(312) \n	\n \n\n(399) \n	\n\n	\n \n\n(298) \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n
\n \n\nGross loans and advances held at amortised cost (including\nportfolios reclassified as held for sale)1 \n	\n \n\n25.5 \n	\n \n\n25.0 \n	\n \n\n30.3 \n	\n\n	\n \n\n30.6 \n	\n \n\n29.8 \n	\n \n\n27.4 \n	\n \n\n28.9 \n	\n\n	\n \n\n30.0 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nLoan loss rate (bps) \n	\n \n\n529 \n	\n \n\n555 \n	\n \n\n491 \n	\n\n	\n \n\n558 \n	\n \n\n505 \n	\n \n\n456 \n	\n \n\n562 \n	\n\n	\n \n\n395 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n

\n\n\n\n

\n\n1

\n\nIncome\nover average RWAs

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nBarclays Investment\nBank \n	\n \n\nNine months ended 30.09.26 \n	\n \n\nNine months ended 30.09.25 \n
\n \n\n£m \n	\n \n\n£m \n
\n \n\nIncome \n	\n \n\n11,115 \n	\n \n\n10,263 \n
\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n
\n \n\nAverage RWAs \n	\n \n\n204.3 \n	\n \n\n197.5 \n
\n\n	\n\n	\n\n
\n \n\nIncome over average RWAs \n	\n \n\n7.3% \n	\n \n\n6.9% \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nBarclays Investment\nBank \n	\n \n\nQ326 \n	\n \n\nQ226 \n	\n \n\nQ126 \n	\n\n	\n \n\nQ425 \n	\n \n\nQ325 \n	\n \n\nQ225 \n	\n\n	\n \n\nQ125 \n	\n \n\nQ424 \n
\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n	\n\n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nIncome \n	\n \n\n3,129 \n	\n \n\n3,958 \n	\n \n\n4,028 \n	\n\n	\n \n\n2,792 \n	\n \n\n3,083 \n	\n \n\n3,307 \n	\n\n	\n \n\n3,873 \n	\n \n\n2,607 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n	\n \n\n£bn \n	\n\n	\n \n\n£bn \n	\n \n\n£bn \n
\n \n\nAverage RWAs \n	\n \n\n206.3 \n	\n \n\n204.5 \n	\n \n\n202.0 \n	\n\n	\n \n\n202.1 \n	\n \n\n194.9 \n	\n \n\n196.1 \n	\n\n	\n \n\n201.4 \n	\n \n\n199.9 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nIncome over average RWAs \n	\n \n\n6.1% \n	\n \n\n7.7% \n	\n \n\n8.0% \n	\n\n	\n \n\n5.5% \n	\n \n\n6.3% \n	\n \n\n6.7% \n	\n\n	\n \n\n7.7% \n	\n \n\n5.2% \n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\nTangible net asset value per\nshare \n	\n \n\nAs at 30.09.26 \n	\n \n\nAs at 31.12.25 \n	\n \n\nAs at 30.09.25 \n
\n\n	\n \n\n£m \n	\n \n\n£m \n	\n \n\n£m \n
\n \n\nTotal equity excluding non-controlling interests \n	\n \n\n77,100 \n	\n \n\n77,784 \n	\n \n\n76,394 \n
\n \n\nOther equity instruments \n	\n \n\n(13,275) \n	\n \n\n(12,725) \n	\n \n\n(13,243) \n
\n \n\nGoodwill and intangibles \n	\n \n\n(8,994) \n	\n \n\n(8,284) \n	\n \n\n(8,255) \n
\n \n\nTangible shareholders' equity attributable to ordinary shareholders\nof the parent \n	\n \n\n54,831 \n	\n \n\n56,775 \n	\n \n\n54,896 \n
\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\nm \n	\n \n\nm \n	\n \n\nm \n
\n \n\nShares in issue \n	\n \n\n13,379 \n	\n \n\n13,867 \n	\n \n\n13,996 \n
\n\n	\n\n	\n\n	\n\n
\n\n	\n \n\np \n	\n \n\np \n	\n \n\np \n
\n \n\nTangible net asset value per share \n	\n \n\n410 \n	\n \n\n409 \n	\n \n\n392 \n
\n\n	\n\n	\n\n	\n\n

\n\nShareholder\nInformation

\n \n\nResults timetable1 \n	\n\n	\n\n	\n\n	\n\n	\n \n\nDate \n	\n\n
\n \n\n2026 Full Year Results and Annual Report \n	\n\n	\n\n	\n\n	\n\n	\n \n\n9 February 2027 \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n \n\n% Change2 \n
\n \n\nExchange rates \n	\n \n\n30.09.26 \n	\n \n\n31.12.25 \n	\n \n\n30.09.25 \n	\n\n	\n \n\n31.12.25 \n	\n \n\n30.09.25 \n
\n \n\nPeriod end - GBP/USD \n	\n \n\n1.33 \n	\n \n\n1.34 \n	\n \n\n1.34 \n	\n\n	\n \n\n (1) % \n	\n \n\n (1) % \n
\n \n\nYTD average - GBP/USD \n	\n \n\n1.34 \n	\n \n\n1.32 \n	\n \n\n1.31 \n	\n\n	\n \n\n 2 % \n	\n \n\n 2 % \n
\n \n\n3 month average - GBP/USD \n	\n \n\n1.34 \n	\n \n\n1.33 \n	\n \n\n1.35 \n	\n\n	\n \n\n 1 % \n	\n \n\n (1) % \n
\n \n\nPeriod end - GBP/EUR \n	\n \n\n1.17 \n	\n \n\n1.15 \n	\n \n\n1.15 \n	\n\n	\n \n\n 2 % \n	\n \n\n 2 % \n
\n \n\nYTD average - GBP/EUR \n	\n \n\n1.16 \n	\n \n\n1.17 \n	\n \n\n1.18 \n	\n\n	\n \n\n (1) % \n	\n \n\n (2) % \n
\n \n\n3 month average - GBP/EUR \n	\n \n\n1.17 \n	\n \n\n1.14 \n	\n \n\n1.15 \n	\n\n	\n \n\n 3 % \n	\n \n\n 2 % \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nShare price data \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nBarclays PLC (p) \n	\n \n\n458 \n	\n \n\n476 \n	\n \n\n380 \n	\n\n	\n\n	\n\n
\n \n\nBarclays PLC number of shares (m)3 \n	\n \n\n13,379 \n	\n \n\n13,867 \n	\n \n\n13,996 \n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nFor further information please contact \n	\n\n	\n\n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nInvestor relations \n	\n \n\nMedia relations \n
\n \n\nMarina Shchukina +44 (0) 20 7116 2526 \n	\n \n\nTom Hoskin +44 (0) 20 7116 4755 \n
\n\n	\n\n
\n \n\nMore information on Barclays can be found on our website:\nhome.barclays \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRegistered office \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\n1 Churchill Place, London, E14 5HP, United Kingdom. Tel: +44 (0) 20\n7116 1000. Company number: 48839. \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nRegistrar \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nEquiniti, Highdown House, Yeoman Way, Worthing, West Sussex, BN99\n6DA, United Kingdom. \n
\n \n\nTel +44 (0)371 384 2055 (UK and International telephone\nnumber)4. \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nAmerican Depositary Receipts (ADRs) \n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nComputershare Shareowner Services, P.O. Box 43304, Providence, RI\n02940-3304, United States of America \n
\n \n\nGeneral Toll Free: +1-866-723-8257 \n
\n \n\nGeneral Direct: +1-781-575-2833 \n
\n \n\nwww.computershare.com/investor \n
\n\n	\n\n	\n\n	\n\n	\n\n	\n\n	\n\n
\n \n\nDelivery of ADR certificates and overnight mail \n
\n \n\nComputershare Shareowner Services, 150 Royall Street, Suite 101,\nCanton, MA 02021-1054 \n	\n\n	\n\n	\n\n
\n\n	\n\n	\n\n	\n\n

\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\n1 \n	\n \n\nNote that this date is provisional and subject to\nchange. \n
\n \n\n2 \n	\n \n\nThe change is the impact to GBP reported information. \n
\n \n\n3 \n	\n \n\nThe number of shares of 13,379m as at 30 September 2026 is\ndifferent from the 13,372m quoted in the 1 October 2026\nannouncement entitled \"Total Voting Rights\" because the share\nbuyback transactions executed on 29 and 30 September 2026 did not\nsettle for cancellation until 1 and 2 October 2026\nrespectively. \n
\n \n\n4 \n	\n \n\nLines open 8.30am to 5.30pm (UK time), Monday to Friday, excluding\nUK public holidays in England and Wales. \n

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