Slide 1: Q3 2025 Results Presentation
Q3 2025 Results Presentation 22nd October 2025
Slide 2: Group performance against financial targets; on the path to 2026 delivery
Group performance against financial targets; on the path to 2026 delivery Barclays Q3 2025 Results October 2025 2 Targets Q325 actuals Q325 YTD actuals 2025 guidance 2026 targets Statutory RoTE 10.6% 12.3% >11% >12% c.11% previously Progressive At least £10bn3 Total payout £0.5bn £1.9bn1 increase vs
Slide 3: Q325 performance summary
Q325 performance summary Barclays Q3 2025 Results October 2025 3 Statutory RoTE Q325 Q325 YTD Barclays UK 21.8% 19.6% FY26 target: high teens% Execution progress UK Corporate Bank 22.8% 18.8% FY26 target: high teens% Announced £500m share buyback for Q325 Private Bank & Wealth Management 26.4% 30.9%
Slide 4: Barclays Group Q325 and Q325 YTD
Barclays Group Q325 and Q325 YTD Barclays Q3 2025 Results October 2025 4 Q325 Q325 YTD 10.6% £2.1bn 12.3% £7.3bn Statutory RoTE Profit before tax Statutory RoTE Profit before tax Q324: 12.3% Q324: £2.2bn Q324 YTD: 11.5%1 Q324 YTD: £6.4bn £7.2bn £0.6bn £22.1bn £1.7bn Income Impairment Income Impairme
Slide 5: Group delivered Q325 RoTE of 10.6%; FY25 guidance revised to >11%
Group delivered Q325 RoTE of 10.6%; FY25 guidance revised to >11% Barclays Q3 2025 Results October 2025 5 -7% Group RoTE (%) Profit before tax (£m) +4% excl. Motor Finance Profit before impairment +4% (3.2) 2,232 2,077 3.6 8% tangible 1,8641 1,969 1,885 equity growth 1,147 (1.5) 246 Includes Motor (
Slide 6: Group income of £7.2bn, up 9% YoY, driven by stable income streams
Group income of £7.2bn, up 9% YoY, driven by stable income streams Barclays Q3 2025 Results October 2025 6 Group income (£bn) +9% YoY YoY QoQ 7.2 7.2 +9% 0% 6.5 0.6 0.6 +9% +14% 6.3 Banking fees & underwriting 0.4 0.6 1.4 1.1 -6% -25% More stable income streams 1.1 76% Intermediation 1.1 0.9 +19% -2
Slide 7: Group NII of £3.3bn, up 16% YoY; FY25 guidance revised to >£12.6bn
Group NII of £3.3bn, up 16% YoY1; FY25 guidance revised to >£12.6bn Barclays Q3 2025 Results October 2025 7 Net interest income (£bn) +16% YoY 3.3 3.1 2.8 2025 Group NII (excl. IB and HO) guidance: >£12.6bn 2.8 Previously >£12.5bn 1.3 UK Corporate Bank, 1.2 2025 Barclays UK NII guidance: >£7.6bn Pri
Slide 8: Structural hedge expected to deliver multiyear income growth beyond 2026
Structural hedge expected to deliver multiyear income growth beyond 2026 Barclays Q3 2025 Results October 2025 8 Average hedge duration increased from 3 to 3.5 years Notional stable since Q424 14.0 4.0% Q325: 3.8% GBP12.0 5yr 3.4% 246 234 232 232 232 233 swap rate1 10.0 Q325: 2.5% Average 08.0 2.0%
Slide 9: 63% cost: income ratio in Q325; FY25 guidance of c.61%
63% cost: income ratio in Q325; FY25 guidance of c.61% Barclays Q3 2025 Results October 2025 9 Cost: income ratio Group total costs (£m) Includes Motor Finance provision Q323 Q324 Q325 2026 target of £235m YoY Group 63% 61% 63% High 50s% c.210 c.190 c.30 c.170 c.(180) c.120 Barclays UK 56% 52% 53% c
Slide 10: Q325 LLR of 57bps; maintaining through the cycle guidance of 50-60bps
Q325 LLR of 57bps; maintaining through the cycle guidance of 50-60bps Barclays Q3 2025 Results October 2025 10 190 Loan loss rate (bps) Impairment charge (£m) 800 636 US Consumer Bank 610 379 582 562 General 600 65 Motors 5052 404 276 314 day 1 438 456 140 411 395 Q323 Q324 Q325 400 Includes c.£110m
Slide 11: Broadly stable delinquency trends in US cards
Broadly stable delinquency trends in US cards Barclays Q3 2025 Results October 2025 11 30 day US cards delinquencies 2.7% 2.9% 3.1% 2.9% 3.0% 3.0% 3.0% 2.8% 2.9% 90 day US cards delinquencies 1.3% 1.5% 1.7% 1.6% 1.6% 1.6% 1.6% 1.6% 1.5% USCB loan loss rate 1 (bps) 582 636 610 438 411 395 562 456 505
Slide 12: On track for c.£30bn UK RWA growth with organic momentum
On track for c.£30bn UK RWA growth with organic momentum Barclays Q3 2025 Results October 2025 12 Strong net mortgage growth Card acquisitions driving balance growth HLTV mix1 13% 15% 14% 18% 22% 26% 23% Card 278 243 251 2883 3863 3743 3713 acquisitions (k) 15.0 15.0 15.7 16.0 9.8 10.2 10.6 8.1 8.5
Slide 13: Barclays UK Q325 and Q325 YTD
Barclays UK Q325 and Q325 YTD Barclays Q3 2025 Results October 2025 13 Q325 Q325 YTD 21.8% £1.0bn 19.6% £2.6bn Statutory RoTE Profit before tax Statutory RoTE Profit before tax Q324: 23.4% Q324: £0.9bn Q324 YTD: 21.4% Q324 YTD: £2.5bn £2.3bn £2.0bn £6.4bn £5.6bn Income Net Interest Income Income Net
Slide 14: Barclays UK delivered Q325 RoTE of 21.8%
Barclays UK delivered Q325 RoTE of 21.8% Barclays Q3 2025 Results October 2025 14 Includes Tesco Bank integration RoTE (%) Income by business (£m) YoY Total costs (£m) and run-rate costs 2,119 2,253 +16% 1,873 1,946 Business 520 545 +6% YoY Banking 470 513 1,049 1,195 1,198 +19% 1,006 Retail 1,403 1
Slide 15: Stable deposit trends; fifth consecutive quarter of organic loan growth
Stable deposit trends; fifth consecutive quarter of organic loan growth Barclays Q3 2025 Results October 2025 15 Barclays UK deposit balances and mix (£bn) Barclays UK loans and advances1 (£bn) -£0.5bn +£8.0bn2 -£1.1bn -£1.8bn +£0.2bn +£0.6bn +£8.4bn2 +£1.9bn +£1.6bn +£2.2bn YoY YoY 244 243 208 210
Slide 16: UK Corporate Bank Q325 and Q325 YTD
UK Corporate Bank Q325 and Q325 YTD Barclays Q3 2025 Results October 2025 16 Q325 Q325 YTD 22.8% £0.3bn 18.8% £0.7bn Statutory RoTE Profit before tax Statutory RoTE Profit before tax Q324: 18.8% Q324: £0.2bn Q324 YTD: 17.3% Q324 YTD: £0.6bn £0.5bn £0.2bn £1.5bn £0.8bn Income Costs Income Costs Q324:
Slide 17: UK Corporate Bank delivered Q325 RoTE of 22.8%
UK Corporate Bank delivered Q325 RoTE of 22.8% Barclays Q3 2025 Results October 2025 17 RoTE (%) Income by product (£m) YoY Income by type (£m) YoY 519 522 +17% 519 522 +17% 440 445 440 445 21.2 Corporate 90 90 +34% 69 67 160 139 +2% lending Non-NII 136 136 Transaction 429 432 +14% banking 371 378 N
Slide 18: Private Bank & Wealth Management Q325 and Q325 YTD
Private Bank & Wealth Management Q325 and Q325 YTD Barclays Q3 2025 Results October 2025 18 Q325 Q325 YTD 26.4% £0.1bn 30.9% £0.3bn Statutory RoTE Profit before tax Statutory RoTE Profit before tax Q324: 29.0% Q324: £0.1bn Q324 YTD: 29.5% Q324 YTD: £0.3bn £0.3bn £0.2bn £1.0bn £0.7bn Income Costs Inc
Slide 19: Private Bank & Wealth Management delivered Q325 RoTE of 26.4%
Private Bank & Wealth Management delivered Q325 RoTE of 26.4% Barclays Q3 2025 Results October 2025 19 RoTE (%) Income by type (£m) YoY Total costs (£m) 337 326 348 335 +3% YoY Non-NII 118 137 145 145 +6% 221 238 243 +10% 214 NII 219 189 203 190 +1% Q323 Q324 Q225 Q325 Q323 Q324 Q225 Q325 CIR 63% 68
Slide 20: Investment Bank Q325 and Q325 YTD
Investment Bank Q325 and Q325 YTD Barclays Q3 2025 Results October 2025 20 Q325 Q325 YTD 10.1% £0.9bn 12.9% £3.9bn Statutory RoTE Profit before tax Statutory RoTE Profit before tax Q324: 8.8% Q324: £0.9bn Q324 YTD: 10.1% Q324 YTD: £3.3bn £3.1bn £2.0bn £10.3bn £6.0bn Income Costs Income Costs Q324: £
Slide 21: Investment Bank delivered Q325 RoTE of 10.1%
Investment Bank delivered Q325 RoTE of 10.1% Barclays Q3 2025 Results October 2025 21 RoTE (%) Income by business (£m)1 YoY 3,307 3,083 +8% 2,686 2,851 Banking fees & 568 646 +9% underwriting 375 594 Intermediation 1,408 1,051 -6% 1,082 1,119 Financing International 740 753 912 894 +19% Corporate Ba
Slide 22: Income up 8% YoY; signs of recovery in Investment Banking
Income up 8% YoY; signs of recovery in Investment Banking Barclays Q3 2025 Results October 2025 22 Global Markets Investment Banking International Corporate Bank Income (£m) +4% YoY Fees and underwriting (£m) Income (£m) +6% USD +9% YoY +28% YoY +11% USD 600 2,320 646 YoY YoY YoY 489 492 594 500 1,9
Slide 23: US Consumer Bank Q325 and Q325 YTD
US Consumer Bank Q325 and Q325 YTD Barclays Q3 2025 Results October 2025 23 Q325 Q325 YTD 13.5% £0.2bn | $0.2bn 9.4% £0.3bn | $0.4bn Statutory RoTE Profit before tax Statutory RoTE Profit before tax Q324: 10.9% Q324: £0.1bn | $0.2bn Q324 YTD: 8.4% Q324 YTD: £0.3bn | $0.4bn $35.9bn £0.9bn | $1.3bn $3
Slide 24: Operational performance on track in US Consumer Bank
Operational performance on track in US Consumer Bank Barclays Q3 2025 Results October 2025 24 Organic and inorganic balance growth Repricing supports higher margins Rebalancing mix towards retail End Net Receivables ($bn)1 Organic Net interest margin (%) Retail mix (%)3 growth since 20232 18.8% 32.2
Slide 25: US Consumer Bank delivered Q325 RoTE of 13.5%
US Consumer Bank delivered Q325 RoTE of 13.5% Barclays Q3 2025 Results October 2025 25 YoY RoTE (%) Income by type (£m) +19% Total costs (£m) 941 +21% USD 809 791 823 215 +49% 147 183 YoY Non-NII 144 +53% USD 404 393 396 407 +4% 726 +12% NII 662 647 640 +14% USD +6% USD Q323 Q324 Q225 Q325 Q323 Q324
Slide 26: Robust capital position with 14.1% CET1 ratio
Robust capital position with 14.1% CET1 ratio Barclays Q3 2025 Results October 2025 26 Q325 CET1 ratio movements (8bps) (7bps) 6bps c.(15bps) 41bps (28bps) Q325 YTD: c.140bps capital generation 14.0% 14.1% 13.9% 13.8% Q225 H125 announced Q225 rebased Attributable Dividend RWA Other Q325 Q325 announc
Slide 27: Group RWAs increased by £4.3bn QoQ, of which £2.5bn is FX
Group RWAs increased by £4.3bn QoQ, of which £2.5bn is FX Barclays Q3 2025 Results October 2025 27 Risk weighted assets (£bn) IB % of Group: 59% 57% 56% 56% 2.7 1.2 0.0 0.6 (0.1) (0.0) £2.0bn increase driven by FX 353.0 357.4 341.9 340.4 Q323 Q324 Q225 Barclays UK UK Corporate Private Bank & Investm
Slide 28: Consistent capital and liquidity over time
Consistent capital and liquidity over time Barclays Q3 2025 Results October 2025 28 Historical performance 13.8% 14.1% 13-14% target CET1 ratio 12.2% MDA 2019 2020 2021 2022 2023 2024 Q325 82% 74% Loan: deposit Prudent LDR over time ratio 2019 2020 2021 2022 2023 2024 Q325 175% Average Liquidity 155
Slide 29: Ninth consecutive quarter of tangible book value growth (+12% YoY)
Ninth consecutive quarter of tangible book value growth (+12% YoY) Barclays Q3 2025 Results October 2025 29 QoQ TNAV movements (pence per share) 10 (3) (1) 2 357 372 384 384 391 390 390 392 Q424 Q125 Q225 Attributable profit¹ Dividends paid Cash flow Other² Q325 hedge reserve YoY TNAV movements (pen
Slide 30: Group performance against financial targets; on the path to 2026 delivery
Group performance against financial targets; on the path to 2026 delivery Barclays Q3 2025 Results October 2025 30 Targets Q325 actuals Q325 YTD actuals 2025 guidance 2026 targets Statutory RoTE 10.6% 12.3% >11% >12% c.11% previously Progressive At least £10bn3 Total payout £0.5bn £1.9bn1 increase v
Slide 31: Why Barclays
Why Barclays Barclays Q3 2025 Results October 2025 31 1 High returning UK retail and corporate franchises 2 Top-tier global Investment Bank with focus and scale, operating in core UK and US markets 3 Multiple levers to allocate capital in a disciplined way to drive growth within higher returning div
Slide 32: Q&A
Q&A
Slide 33: Appendix
Appendix
Slide 34: Plan based on unchanged realistic scenarios
Plan based on unchanged realistic scenarios Barclays Q3 2025 Results October 2025 34 GBP 5-year swap rate UK bank rate US Unemployment 13th Feb 4.75% 4.4% 4.4% 4.1% Market 2025 implied1 3.7% Consensus1 3.6% Consensus1 4.00% 4.0% 4.3% 4.3% 13th Feb 3.50% 13th Feb 2025 2025 3.4% 3.4% 3.75% 3.25% 2024
Slide 35: Resilient UK economic trends
Resilient UK economic trends Barclays Q3 2025 Results October 2025 35 UK GDP growth comparable to US and Euro economies1 UK debt-to-GDP lower than historic highs2 2024 2025E 2026E Households Non-financial corporations Nominal GDP growth Debt as a % of GDP 10% 100% 8% 80% 6% 4% 60% 2% 0% 40% UK US Eu
Slide 36: Head Office Q325
Head Office Q325 Barclays Q3 2025 Results October 2025 36 Income (£m) 188 113 German 92 Consumer 80 Finance1 71 33 Payment 75 89 73 Acceptance2 68 21 (2) (35) (56) Other3 Loss Before Tax (86) (14) (116) (330) Q323 Q324 Q225 Q325 Q323 Q324 Q225 Q325 1 German Consumer Finance is no longer part of the
Slide 37: Global Markets risk managed prudently
Global Markets risk managed prudently Barclays Q3 2025 Results October 2025 37 Global Markets: VaR Global Markets: Daily trading income distribution2 Russia/ US banking £60m Pandemic Ukraine crisis Average Q3 YTD: 2019-24 Q325 YTD £40m Zero loss days Average in Q3 VaR1 £23m £20m <£0m £0-15m £16-30m
Slide 38: Long-term prudent risk positioning in our credit card portfolios
Long-term prudent risk positioning in our credit card portfolios Barclays Q3 2025 Results October 2025 38 UK cards US cards 16.0 22.3 23.8 24.1 22.9 25.0 14.9 Net L&A1 (£bn) 10.7 10.6 Net L&A1 (£bn) 15.6 15.2 8.6 9.0 9.6 14.2% 11.1% 9.7% 9.0% 11.5% 8.3% 9.7% 10.4% 9.8% Total coverage 6.3% 5.6% 4.8%
Slide 39: Our US Cards book is high quality and stable, with no signs of stress
Our US Cards book is high quality and stable, with no signs of stress Barclays Q3 2025 Results October 2025 39 US consumer indebtedness lower versus historic levels1 Our book is positioned in the super-prime segment 2008 crisis Pandemic 790 10% 25% Super-prime 740 8% 20% Prime Q325 USCB 690 6% 15% a
Slide 40: Best Egg acquisition rationale
Best Egg acquisition rationale Barclays Q3 2025 Results October 2025 40 Improving income diversification Adding scale and capabilities Supporting our targets Annual normalised income ($m) Total End Net Receivables ($bn) After exiting AA1 and adding GM2 we expect to achieve Capital light service fees
Slide 41: Long track record of growth and returns in USCB
Long track record of growth and returns in USCB Barclays Q3 2025 Results October 2025 41 Why partners choose Barclays Long term mid-teens RoTE business 40 Covid-19: 25% 22% impacted by impairment 18% reserve build 20% 16% 17% 16% 30 15% 18% 17% 13% Avg 15% 20+ years of expertise in specialised partn
Slide 42: Well provisioned balance sheet
Well provisioned balance sheet Barclays Q3 2025 Results October 2025 42 Balance sheet provisions for ECL (£bn) Credit impairment charges (£m) 5.4 5.6 632 0.4 Off-balance sheet 0.4 102 Barclays UK 469 5 UK Corporate Bank 79 144 Investment Bank On-balance sheet 12 5.0 5.2 67 US Consumer 379 312 Bank Q
Slide 43: Resilient mortgage book; leveraging capabilities of Kensington
Resilient mortgage book; leveraging capabilities of Kensington Barclays Q3 2025 Results October 2025 43 Mortgage portfolio Kensington adding capabilities to Barclays UK • 54.1% average balance weighted LTV of mortgage stock Ability to lend to high-yield, low risk customers with complex incomes o 40.
Slide 44: Private Credit exposures well managed
Private Credit exposures well managed Barclays Q3 2025 Results October 2025 44 Committed exposure c.6% of loans and advances • Private Credit: Lending conducted outside of banks or public debt markets • Barclays provides senior financing on a secured basis against diversified portfolios of private c
Slide 45: Risk transfer transactions enhance Barclays' risk management capabilities
Risk transfer transactions enhance Barclays’ risk management capabilities Barclays Q3 2025 Results October 2025 45 Purpose Q225: Barclays transfers c.£50bn1 risk via a variety of structures • The banking book has inherent credit UK Corporate Bank and Investment Bank Corporate risk, driving risk weig
Slide 46: Risk transfer activities focused on corporate loans and credit cards
Risk transfer activities focused on corporate loans and credit cards Barclays Q3 2025 Results October 2025 46 Q225: Corporate loans Q225: US credit cards • Colonnade programme established in 2016 • Initiated risk transfer in Q124 to help optimise • Deployed against exposure in the UK Corporate Bank
Slide 47: Prudently managed LCR supported by a highly liquid balance sheet
Prudently managed LCR supported by a highly liquid balance sheet Barclays Q3 2025 Results October 2025 47 Average LCR1 Average NSFR2 73% of Liquidity Pool held in cash HTC £20bn 172% 175% 178% 175% 137% 138% 135% 136% 136% 135% 6% 156% 161% FVOCI £70bn 21% FY22 FY23 FY24 Q125 Q225 Q325 FY22 FY23 FY2
Slide 48: CET1 ratio in relation to our minimum requirements
CET1 ratio in relation to our minimum requirements Barclays Q3 2025 Results October 2025 48 Q325: CET1 minimum requirements MDA 12.2% CCyB 1.0% CCB 2.5% • Plan to operate towards the upper half of our 13-14% CET1 target G-SII 1.5% range, as we have been doing 14.1% • Continue to have flexibility to
Slide 49: Appendix: Barclays UK
Appendix: Barclays UK Barclays Q3 2025 Results October 2025 49 Income by business (£m) 2023 2024 2025 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Retail Banking 1,500 1,481 1,403 1,309 1,357 1,402 1,433 2,0782 1,573 1,599 1,708 Of which: UK Cards1 247 237 238 242 229 228 249 296 292 279 296 Business Banking 46
Slide 50: Non-IFRS performance measures
Non-IFRS performance measures Barclays Q3 2025 Results October 2025 50 US Consumer Bank: Return on average allocated tangible equity1 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Attributable profit (£m) 124 133 163 140 258 280 196 536 490 (256) 379 356 131 302 Avg. allocate
Slide 51: Macroeconomic variables
Macroeconomic variables Barclays Q3 2025 Results October 2025 51 Assumptions 2024 2025 2026 UK GDP2 0.8% 1.3% 1.4% UK unemployment3 4.3% 4.4% 4.5% UK bank rate4 4.75% 3.75% 3.50% Sterling 5-year swap rate5 4.05%6 3.42% 3.39% UK inflation7 2.5% 2.1% 2.2% Plan US GDP2 2.8% 1.8% 2.0% (13th February 202
Slide 52: Disclaimer
Disclaimer Barclays Q3 2025 Results October 2025 52 Important Notice The terms Barclays or Group refer to Barclays PLC together with its subsidiaries. The information, statements and opinions contained in this presentation do not constitute a public offer under any applicable legislation, an offer t
Slide 53: Contact details, upcoming events and useful presentations
Contact details, upcoming events and useful presentations Investor Relations Upcoming events barclays.ir@barclays.com 10th February 2026 FY25 results and targets update 28th April 2026 Q126 results Useful presentations Progress Update 2025 Link Private Bank and Wealth Management deep dive Link Inves