"I'm obviously not happy about it."Barclays CEO CS Venkatakrishnan tells @KritiGuptaNews the bank has reviewed its entire loan portfolio after being stung by the collapse of Tricolor Holdings, and confirms the lender was not exposed to the failure of First Brands https://t.co/IXOPlJxaG1 ...

Barclays (NYSE:BCS) Q3 2025 Earnings Call October 22, 2025 04:30 AM ET Company ParticipantsChris Mann - Platform ManagerChris Hallam - Managing Director and Head of European Financials ResearchEdward Firth - Managing DirectorAlvaro Serrano - Managing DirectorCS Venkatakrishnan - CEOAnna Cross - Group Finance DirectorJason Napier - Head of European Banks ResearchGuy Stebbings - Executive Director of European Banks ResearchConference Call ParticipantsNone - Analyst 4Andrew Coombs - Equity Research AnalystNone ...

Barclays (NYSE:BCS) Q3 2025 Earnings Call October 22, 2025 04:30 AM ET Company ParticipantsChris Mann - Platform ManagerChris Hallam - Managing Director and Head of European Financials ResearchEdward Firth - Managing DirectorAlvaro Serrano - Managing DirectorCS Venkatakrishnan - CEOAnna Cross - Group Finance DirectorJason Napier - Head of European Banks ResearchGuy Stebbings - Executive Director of European Banks ResearchConference Call ParticipantsNone - Analyst 4Andrew Coombs - Equity Research AnalystRobe ...

Financial Data and Key Metrics Changes - The top line income increased by 11% to GBP 7.2 billion from GBP 6.5 billion in the same quarter last year [2][3] - Tangible net asset value per share (TNAV) rose to 392p compared to 384p in the previous quarter [3] - Return on Tangible Equity (RoTE) for Q3 was 10.6%, with a year-to-date RoTE of 12.3% [3][11] - Group net interest income (NII) increased by 16% year on year to GBP 3.3 billion [12] - The cost-income ratio was 63% in Q3, with total costs increasing by 14% year on year [15] Business Line Data and Key Metrics Changes - All divisions generated double-digit RoTE, with the Investment Bank's RoTE improving by 1.3 percentage points to 10.1% [7][29] - The U.S. Consumer Bank's RoTE increased by 2.6 percentage points to 13.5% [7][35] - UK Corporate Bank lending grew by 17% year on year, with a 24% increase in NII [26] - Private Bank and Wealth Management RoTE was 26.4%, with client assets growing by 10% year on year [27] Market Data and Key Metrics Changes - UK mortgage net lending reached GBP 3.1 billion, the highest since 2021 [21] - The UK Corporate Bank's market share increased by 70 basis points to 9.3% [26] - The U.S. Consumer Bank's end net receivables grew by 10% year on year [33] Company Strategy and Development Direction - The company plans to announce quarterly buybacks, reflecting consistent capital generation [5] - A target to return at least GBP 10 billion of capital over the three-year plan was reiterated [5] - The company aims to achieve a cost-income ratio of around 61% for 2025 and high 50s for 2026 [15] - The focus remains on operational improvements and higher returns across divisions [6][9] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the sustainability of income growth driven by operational actions [48] - The outlook for stable income is strong, with expectations for group NII to exceed GBP 12.6 billion for FY 2025 [3][12] - The company is well-positioned to navigate the uncertain environment and achieve its targets through 2028 [9] Other Important Information - A share buyback of GBP 500 million was announced, reflecting strong capital generation [4][38] - The CET1 capital ratio stood at 14.1%, with RWAs increasing by GBP 4.3 billion quarter on quarter [37][39] - The company has simplified its business structure and rebalanced its footprint to generate higher returns [5][8] Q&A Session Summary Question: U.S. Consumer top line performance and non-interest income - Management confirmed that the strong performance is driven by operational actions and expects NIM to remain around 11.5% [48][50] - Non-interest income growth is supported by increased volumes and improved partner sharing agreements [50] Question: UK Mortgages volume and competitive pressures - The UK mortgage market is robust, with strong refinancing activity, but some churn compression is expected due to maturing loans [52][53] Question: Competitive conditions in U.S. investment banking - Management expressed confidence in their market position and ability to compete effectively despite potential regulatory changes [58] Question: Risks in private credit and NBFI - Management emphasized strong risk management practices and continuous monitoring of credit performance [60][63] Question: UK RWA deployment and mortgage headwinds - Management indicated that RWA growth is aligned with lending performance and expects some margin compression due to maturing loans [90][92]

Financial Data and Key Metrics Changes - In Q3 2025, Barclays reported a top line income increase of 11% to £7.2 billion from £6.5 billion in the same quarter last year [2] - The tangible net asset value per share (TNAV) rose to £3.92 compared to £3.84 in the previous quarter [2] - The return on tangible equity (ROTE) for Q3 was 10.6%, with a year-to-date ROTE of 12.3% [2] - The group net interest income (NII) is now expected to exceed £12.6 billion for FY25, up from previous expectations of more than £12.5 billion [3] Business Line Data and Key Metrics Changes - The Investment Bank's ROTE improved by 1.3 percentage points year-on-year to 10.1% [5] - The US Consumer Bank's ROTE increased by 2.6 percentage points to 13.5%, reflecting operational progress [5] - Group NII increased by 16% year-on-year to £3.3 billion, driven by UK lending momentum and operational progress in the US Consumer Bank [9] Market Data and Key Metrics Changes - UK corporate bank lending grew by 17% year-on-year, with more than half of this growth coming from new clients acquired since 2024 [16] - In mortgages, net lending of £3.1 billion was achieved, the highest since 2021 [14] - The US Consumer Bank's end net receivables grew by 10% year-on-year, with NIM rising to 11.5% [24] Company Strategy and Development Direction - Barclays is focused on simplifying its businesses and generating higher returns, with plans to announce new targets through to 2028 [4] - The company aims to deliver operational improvements across divisions, targeting a cost-income ratio of circa 61% for 2025 [4] - A £500 million share buyback was announced, reflecting strong capital generation and disciplined execution of capital priorities [3] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the sustainability of income growth, driven by operational actions and stable deposits [34] - The outlook for the UK mortgage market remains robust, with expectations of continued strong lending [36] - Management acknowledged potential headwinds from maturing mortgages written during the stamp duty holiday, but overall expects product margin impacts to be neutral [66] Other Important Information - The CET1 capital ratio stood at 14.1%, with a pro forma ratio of 13.9% post buyback [26] - The group cost-income ratio was reported at 63% in Q3, with total costs increasing by 14% year-on-year [11] - The company is committed to returning at least £10 billion of capital over its three-year plan [3] Q&A Session Summary Question: On the U.S. Consumer top line and non-interest income - Management confirmed that the strong growth in the U.S. Consumer Bank is sustainable, driven by operational actions and increased retail deposits [34] Question: On UK mortgages and competitive pressures - Management noted that the UK mortgage market is robust, with strong refinancing activity, but acknowledged potential churn compression as older mortgages mature [36] Question: On competitive conditions in U.S. investment banking - Management highlighted strong market share and the ability to compete effectively, subject to capital rules [42] Question: On risks in the private credit industry - Management emphasized the importance of careful credit selection and monitoring, welcoming regulatory reviews [44] Question: On the U.S. Consumer Bank's ROTE target for 2026 - Management reiterated the commitment to achieving greater than 12% ROTE, with expectations for mid-teens returns in the future [50] Question: On stablecoins and their impact on the banking system - Management acknowledged the potential implications of stablecoins on deposits and monetary policy, emphasizing the need for careful study [51] Question: On private credit economics and growth - Management described strong risk management practices in private credit and expressed confidence in the growth of the business [60] Question: On UK RWA deployment and mortgage headwinds - Management clarified that RWA growth is aligned with lending performance and acknowledged potential margin compression from maturing mortgages [66]

| BCS 巴克莱银行 | | | | --- | --- | --- | | 19 490 4 -0.130 -0.66% | | 收盘价 10/21 15:59 美东 | | 20.340 + 0.850 +4.36% | | 盘前价 10/22 04:58 美东 | | 三 7 24 S ~ 8 日 ♥ 白 ♥ 白 ♥ 白 一 白 一 白 一 白 一 白 一 白 一 白 一 白 一 白 一 白 | | ● 快捷交易 | | 最高价 19.748 | 开盘价 19.620 | 成交量 506.75万 | | 最低价 19.490 | 昨收价 19.620 | 成交额 9946.67万 | | 平均价 19.628 | 市空室 9.00 | 总市值 678.84亿 (... | | 振 幅 1.31% | 市盈率(静) 10.47 | 总股本 34.83亿 | | 换手率 0.16% | 市净率 0.668 | 流通值 631.01亿 | | 52周最高 21.217 | 委 比 65.96% | 流通股 32.38亿 | | 52周最低 12.017 | 量 比 0.63 | 色 主 1股 | | 历史最 ...

Financial Performance - Barclays Group achieved a Statutory RoTE of 106% in Q3 2025 and 123% Year-to-Date (YTD)[6,7] - The Group's income for Q3 2025 was £72 billion, a 9% increase year-over-year (YoY)[6,13] - Group Net Interest Income (NII), excluding Investment Bank and Head Office, reached £33 billion in Q3 2025[18] - The cost-to-income ratio for Q3 2025 was 63%, with a FY25 guidance of approximately 61%[6,26] - Loan Loss Rate (LLR) for Q3 2025 was 57bps, maintaining the through-the-cycle guidance of 50-60bps[6,30] Capital and Payout - The CET1 ratio stood at 141%[6] - Total payout to shareholders reached £05 billion in Q3 2025 and £19 billion YTD[3] - Barclays is targeting at least £10 billion in capital return to shareholders between 2024 and 2026[3] Business Segment Performance - Barclays UK delivered a RoTE of 218% in Q3 2025[5,46] - UK Corporate Bank achieved a RoTE of 228% in Q3 2025[5,54] - Private Bank & Wealth Management reported a RoTE of 264% in Q3 2025[5,58] - Investment Bank recorded a RoTE of 101% in Q3 2025[5,62] - US Consumer Bank (USCB) achieved a RoTE of 135% in Q3 2025[5,70]

Barclays share price popped by over 2.7% on Wednesday after the company published strong financial results and announced a surprise share buyback. BARC stock was trading at 375p, up from this month's ... ...

Barclays is looking to court more corporate chieftains after the British lender was absent from some of the biggest deals in the third quarter https://t.co/qg6fMyCmKT ...

智通财经APP获悉，巴克莱银行(BCS.US)宣布再拨备 2.35 亿英镑(约合 3.14 亿美元)，用于补偿汽车金 融客户。与此同时，该行上调了今年的盈利预期，并公布了 5 亿英镑的股票回购计划。 该银行表示，这笔额外费用反映了"超出预期的客户赔偿需求"，这是由于英国金融行为监管局(FCA)计 划开展一项赔偿计划所导致的。该银行还表示不同意这些提议，称其"无法实现适度或恰当的结果"。 这家投资银行还为一位未透露姓名的客户计提了 1.1 亿英镑的信贷减值损失。 巴克莱银行是欧洲最大的投资银行之一，在华尔街也有着重要的业务布局。该银行的大部分收入来自交 易和融资业务。但去年，该银行宣布了一项新的目标，即在三年内更加专注于本土市场，这是 Venkatakrishnan制定的旨在提高盈利和股东回报的计划的一部分。 上周，美国各大银行公布了第三季度的盈利数据，业绩远超预期，这得益于其交易部门的表现以及投资 银行业务费用的持续增长。 尽管存在这一额外成本，该银行仍表示将提前执行其资本分配计划，宣布将进行 5 亿英镑的股票回购， 并提议改为每季度发布回购公告。 此外，该公司还上调了今年的业绩预期，称有形股本回报率(RoT ...