$BCLYF

BARCLAYS PLC

CIK:0000312069|SEC Filings

Consolidated income statement - GBP (£) £ in Millions	12 Months Ended
Consolidated income statement - GBP (£) £ in Millions	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Profit or loss [abstract]
Interest and similar income	£ 36,189	£ 38,326	£ 35,075
Interest and similar expense	(21,688)	(25,390)	(22,366)
Net interest income	14,501	12,936	12,709
Fee and commission income	11,282	10,847	10,121
Fee and commission expense	(3,784)	(3,600)	(3,592)
Net fee and commission income	7,498	7,247	6,529
Net trading income	7,042	5,768	5,945
Net investment income	10	216	61
Gain on acquisition	0	556	0
Other income	89	65	134
Total income	29,140	26,788	25,378
Staff costs	(10,607)	(9,876)	(10,017)
Infrastructure costs	(3,704)	(3,549)	(4,095)
Administration and general expenses	(2,729)	(2,770)	(2,602)
UK regulatory levies	(313)	(320)	(180)
Litigation and conduct	(392)	(220)	(37)
Operating expenses	(17,745)	(16,735)	(16,931)
Share of post-tax results of associates and joint ventures	66	37	(9)
Loss on disposal of subsidiaries, associates and joint ventures	(43)	0	0
Profit before impairment	11,418	10,090	8,438
Credit impairment charges	(2,279)	(1,982)	(1,881)
Profit before tax	9,139	8,108	6,557
Taxation	(1,926)	(1,752)	(1,234)
Profit after tax	7,213	6,356	5,323
Attributable to:
Ordinary equity holders	6,175	5,316	4,274
Other equity instrument holders	997	991	985
Total equity holders of the parent	7,172	6,307	5,259
Non-controlling interests	41	49	64
Profit after tax	£ 7,213	£ 6,356	£ 5,323
Earnings per share
Basic earnings per ordinary share (in GBP per share)	£ 0.438	£ 0.360	£ 0.277
Diluted earnings per ordinary share (in GBP per share)	£ 0.423	£ 0.348	£ 0.269

Consolidated cash flow statement - GBP (£)
£ in Millions

12 Months Ended

Dec. 31, 2025

Dec. 31, 2024

Dec. 31, 2023

Reconciliation of profit before tax to net cash flows from operating activities:

Profit before tax

£ 9,139

£ 8,108

£ 6,557

Adjustment for non-cash items:

Credit impairment charges

2,279

1,982

1,881

Depreciation, amortisation and impairment of property, plant, equipment and intangibles

1,776

1,734

2,147

Other provisions, including pensions

760

500

482

Net loss on disposal of investments and property, plant and equipment

Other non-cash movements, including exchange rate movements

6,187

2,384

10,729

Changes in operating assets and liabilities

Net decrease in cash collateral and settlement balances

1,390

2,391

1,165

Net (increase)/decrease in loans and advances at amortised cost

(17,403)

284

10,947

Net increase in reverse repurchase agreements and other similar secured lending

(12,888)

(2,140)

(1,818)

Net increase/(decrease) in deposits at amortised cost

24,950

14,952

(6,958)

Net increase/(decrease) in debt securities in issue

20,925

(9,978)

(19,640)

Net (decrease)/increase in repurchase agreements and other similar secured borrowing

(14,245)

(2,186)

14,549

Net decrease/(increase) in derivative financial instruments

2,464

(7,303)

5,968

Net (increase)/decrease in trading portfolio assets

(23,608)

8,152

(40,792)

Net increase/(decrease) in trading portfolio liabilities

829

(1,761)

(14,255)

Net increase/(decrease) in financial assets and liabilities at fair value through the income statement

18,761

(2,408)

32,819

Net increase in other assets

(158)

(4,040)

(1,521)

Net increase/(decrease) in other liabilities

(1,078)

(2,295)

(2,362)

Corporate income tax paid

(1,393)

(1,283)

(836)

Net cash from operating activities

18,739

7,113

(927)

Cash flows from (used in) investing activities [abstract]

Purchase of debt securities at amortised cost

(19,215)

(28,945)

(19,977)

Proceeds from redemption or sale of debt securities at amortised cost

17,889

17,505

7,332

Purchase of financial assets at fair value through other comprehensive income

(50,511)

(80,980)

(66,415)

Proceeds from sale or redemption of financial assets at fair value through other comprehensive income

55,057

73,819

59,756

Purchase of property, plant and equipment and investment in intangibles

(1,859)

(1,574)

(1,718)

Disposal/(Acquisition) of business

(460)

(2,415)

Other cash flows associated with investing activities

^[1]

234

2,749

Net cash from investing activities

1,595

(17,886)

(23,414)

Cash flows from (used in) financing activities [abstract]

Dividends paid and other coupon payments on equity instruments

(2,251)

(2,261)

(2,259)

Issuance of subordinated liabilities

1,772

1,870

1,523

Redemption of subordinated liabilities

(727)

(476)

(2,239)

Issue of shares and other equity instruments

3,869

1,684

3,251

Repurchase of shares and other equity instruments

(5,644)

(4,525)

(4,750)

Issuance of debt securities

^[2]

11,326

12,144

9,836

Redemption of debt securities

^[2]

(5,459)

(7,143)

(6,252)

Capital contribution

(40)

Net purchase of treasury shares

(590)

(509)

(499)

Net cash from financing activities

2,256

784

(1,389)

Effect of exchange rates on cash and cash equivalents

(1,738)

(2,407)

(5,053)

Net increase/(decrease) in cash and cash equivalents

20,852

(12,396)

(30,783)

Cash and cash equivalents at beginning of year

235,611

248,007

278,790

Cash and cash equivalents at end of year

256,463

235,611

248,007

Cash and cash equivalents comprise:

Cash and balances at central banks

229,752

210,184

224,634

Loans and advances to banks with original maturity of three months or less

7,354

7,230

6,639

Cash collateral balances with central banks with original maturity of three months or less

17,375

16,650

15,450

Treasury and other eligible bills with original maturity of three months or less

1,982

1,547

1,284

Cash and cash equivalents at end of year

£ 256,463

£ 235,611

£ 248,007

[1]	This primarily relates to the net proceeds from sale of Entercard for 2025 and Italian retail mortgage portfolio for 2024
[2]	Issuance of debt securities and redemption of debt securities included in financing activities relate to instruments that qualify as eligible liabilities and satisfy regulatory requirements for MREL instruments that came into effect during 2019. Refer to Note 1, paragraph 4(v), for further details.

Consolidated balance sheet - GBP (£) £ in Millions	Dec. 31, 2025	Dec. 31, 2024
Assets
Cash and balances at central banks	£ 229,752	£ 210,184
Cash collateral and settlement balances	130,532	119,843
Debt securities at amortised cost	68,475	68,210
Loans and advances at amortised cost to banks	8,638	8,327
Loans and advances at amortised cost to customers	352,885	337,946
Reverse repurchase agreements and other similar secured lending at amortised cost	17,622	4,734
Trading portfolio assets	190,061	166,453
Financial assets at fair value through the income statement	186,857	193,734
Derivative financial instruments	252,459	293,530
Financial assets at fair value through other comprehensive income	74,394	78,059
Investments in associates and joint ventures	739	891
Goodwill and intangible assets	8,284	8,275
Property, plant and equipment	3,720	3,604
Current tax assets	276	155
Deferred tax assets	4,992	6,321
Retirement benefit assets	3,308	3,263
Assets included in disposal group classified as held for sale	5,932	9,854
Other assets	5,239	4,819
Total assets	1,544,165	1,518,202
Liabilities
Deposits at amortised cost from banks	20,413	13,203
Deposits at amortised cost from customers	565,200	547,460
Cash collateral and settlement balances	117,583	106,229
Repurchase agreements and other similar secured borrowing at amortised cost	25,170	39,415
Debt securities in issue	119,033	92,402
Subordinated liabilities	12,954	11,921
Trading portfolio liabilities	57,737	56,908
Financial liabilities designated at fair value	294,108	282,224
Derivative financial instruments	240,808	279,415
Current tax liabilities	868	566
Deferred tax liabilities	13	18
Retirement benefit liabilities	265	240
Provisions	1,664	1,383
Liabilities included in disposal group classified as held for sale	0	3,726
Other liabilities	10,113	10,611
Total liabilities	1,465,929	1,445,721
Equity
Called up share capital and share premium	4,178	4,186
Other equity instruments	12,725	12,075
Other reserves	1,628	(468)
Retained earnings	59,253	56,028
Total equity excluding non-controlling interests	77,784	71,821
Non-controlling interests	452	660
Total equity	78,236	72,481
Total liabilities and equity	£ 1,544,165	£ 1,518,202