Barclays Bank plc 2015 Interim Results

Barclays Bank PLC – 2015 Interim Results

Barclays Bank PLC

Results Announcement

30 June 2015


Table of Contents

Interim Results Announcement Page

Basis of Preparation 1

Statement of Directors’ Responsibilities 2

Independent Auditors’ Review Report 3

Condensed Consolidated Income Statement 4

Condensed Consolidated Statement of Comprehensive Income 5

Condensed Consolidated Balance Sheet 6

Condensed Consolidated Statement of Changes in Equity 7

Condensed Consolidated Cash Flow Statement 8

Financial Statement Notes 9

Appendix

Barclays PLC Results Announcement 11

BARCLAYS BANK PLC, 1 CHURCHILL PLACE, LONDON, E14 5HP, UNITED KINGDOM. TELEPHONE: +44 (0) 20 7116 1000. COMPANY NO. 1026167


Notes

The term Barclays or Group refers to Barclays PLC together with its subsidiaries and the term Barclays Bank PLC Group refers to Barclays Bank PLC

together with its subsidiaries. The term ‘The Group’ refers to Barclays Bank PLC together with its subsidiaries. Unless otherwise stated, the income

statement analysis compares the six months to 30 June 2015 to the corresponding six months of 2014 and balance sheet analysis as at 30 June with

comparatives relating to 31 December 2014. The abbreviations ‘£m’ and ‘£bn’ represent millions and thousands of millions of Pounds Sterling

respectively; the abbreviations ‘$m’ and ‘$bn’ represent millions and thousands of millions of US Dollars respectively; and ‘€m’ and ‘€bn’ represent

millions and thousands of millions of Euros respectively.

Comparatives pre Q214 have been restated to reflect the implementation of the Group structure changes and the reallocation of elements of the

Head Office results under the revised business structure. These restatements were detailed in our announcement on 10 July 2014, accessible at

http://www.barclays.com/barclays-investor-relations/results-and-reports.

Adjusted profit before tax, adjusted attributable profit and adjusted performance metrics have been presented to provide a more consistent basis for

comparing business performance between periods. Adjusting items are considered to be significant but not representative of the underlying

business performance. Items excluded from the adjusted measures are: the impact of own credit; goodwill impairment; provisions for UK customer

redress; gain on US Lehman acquisition assets; provisions for investigations and litigation relating to financial benchmarks; loss on sale of the

Spanish business; Education, Social Housing, and Local Authority (ESHLA) valuation revision; and gain on valuation of a component of the defined

retirement benefit liability. As management reviews adjusting items at a Group level, results by business are presented excluding these items. The

reconciliation of adjusted to statutory performance is done at a Group level only.

Relevant terms that are used in this document but are not defined under applicable regulatory guidance or International Financial Reporting

Standards (IFRS) are explained in the Results glossary that can be accessed at www.Barclays.com/results.

The information in this announcement, which was approved by the Board of Directors on 28 July 2015 does not comprise statutory accounts within

the meaning of Section 434 of the Companies Act 2006. Statutory accounts for the year ended 31 December 2014, which included certain

information required for the Joint Annual Report on Form 20-F of Barclays PLC and Barclays Bank PLC to the US Securities and Exchange

Commission (SEC) and which contained an unqualified audit report under Section 495 of the Companies Act 2006 (which did not make any

statements under Section 498 of the Companies Act 2006) have been delivered to the Registrar of Companies in accordance with Section 441 of the

Companies Act 2006.

These results will be furnished as a Form 6-K to the SEC as soon as practicable following their publication. Once furnished with the SEC, copies of the

Form 6-K will also be available from the Barclays Investor Relations website www.barclays.com/investorrelations and from the SEC’s website at

http://www.sec.gov.

Barclays is a frequent issuer in the debt capital markets and regularly meets with investors via formal road-shows and other ad hoc meetings.

Consistent with its usual practice, Barclays expects that from time to time over the coming quarter it will meet with investors globally to discuss

these results and other matters relating to the Group.

Forward-looking statements This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as

amended, and Section 27A of the US Securities Act of 1933, as amended, with respect to the Group. Barclays cautions readers that no forward-

looking statement is a guarantee of future performance and that actual results or other financial condition or performance measures could differ

materially from those contained in the forward-looking statements. These forward-looking statements can be identified by the fact that they do not

relate only to historical or current facts. Forward-looking statements sometimes use words such as ‘may’, ‘will’, ‘seek’, ‘continue’, ‘aim’, ‘anticipate’,

‘target’, ‘projected’, ‘expect’, ‘estimate’, ‘intend’, ‘plan’, ‘goal’, ‘believe’, ‘achieve’ or other words of similar meaning. Examples of forward-looking

statements include, among others, statements regarding the Group’s future financial position, income growth, assets, impairment charges and

provisions, business strategy, capital, leverage and other regulatory ratios, payment of dividends (including dividend pay-out ratios), projected levels

of growth in the banking and financial markets, projected costs or savings, original and revised commitments and targets in connection with the

strategic cost programme and the Group Strategy Update, run-down of assets and businesses within Barclays Non-Core, estimates of capital

expenditures and plans and objectives for future operations, projected employee numbers and other statements that are not historical fact. By their

nature, forward-looking statements involve risk and uncertainty because they relate to future events and circumstances. These may be affected by

changes in legislation, the development of standards and interpretations under International Financial Reporting Standards, evolving practices with

regard to the interpretation and application of accounting and regulatory standards, the outcome of current and future legal proceedings and

regulatory investigations, future levels of conduct provisions, the policies and actions of governmental and regulatory authorities, geopolitical risks

and the impact of competition. In addition, factors including (but not limited to) the following may have an effect: capital, leverage and other

regulatory rules (including with regard to the future structure of the Group) applicable to past, current and future periods; UK, US, Africa, Eurozone

and global macroeconomic and business conditions; the effects of continued volatility in credit markets; market related risks such as changes in

interest rates and foreign exchange rates; effects of changes in valuation of credit market exposures; changes in valuation of issued securities;

volatility in capital markets; changes in credit ratings of any entities within the Group or any securities issued by such entities; the potential for one or

more countries exiting the Eurozone; the implementation of the strategic cost programme; and the success of future acquisitions, disposals and

other strategic transactions. A number of these influences and factors are beyond the Group’s control. As a result, the Group’s actual future results,

dividend payments, and capital and leverage ratios may differ materially from the plans, goals, and expectations set forth in the Group’s forward-

looking statements. Additional risks and factors which may impact the Group’s future financial condition and performance are identified in our

filings with the SEC (including, without limitation, our Annual Report on Form 20-F for the fiscal year ended 31 December 2014), which are available

on the SEC’s website at http://www.sec.gov.

Subject to our obligations under the applicable laws and regulations of the United Kingdom and the United States in relation to disclosure and

ongoing information, we undertake no obligation to update publicly or revise any forward looking statements, whether as a result of new

information, future events or otherwise.

http://www.sec.gov/


Intentionally left blank

Basis of Preparation

Barclays Bank PLC – 2015 Interim Results 1

More extensive disclosures are contained in the Barclays PLC Results Announcement for the period ended 30 June 2015,

attached, including risk exposures, business performance and certain notes to the Barclays PLC condensed consolidated

financial statements, which are materially the same as those for Barclays Bank PLC.

Barclays Bank PLC is a wholly owned subsidiary of Barclays PLC, which is the Group’s ultimate parent company. The

business activities of Barclays Bank PLC Group and Barclays PLC Group are fundamentally the same as the only difference is

the holding company, Barclays PLC. Reporting differences between Barclays Bank PLC and Barclays PLC are driven by the

holding company and resulting differences in funding structures. The significant differences are described below.

Instrument Type

Barclays PLC

£m

Barclays Bank

PLC

£m

Primary reason for difference

Preference shares - 5,846 Preference shares and capital notes issued by Barclays Bank

PLC are included within share capital in Barclays Bank PLC,

and presented as non-controlling interests in the financial

statements of Barclays PLC Group. Other shareholders’ equity - 487

Non-controlling interests (NCI)

6,294 2,153

Treasury shares (82) - Barclays PLC shares held for the purposes of employee share

schemes and for trading are recognised as available for sale

investments and trading portfolio assets respectively within

Barclays Bank PLC. Barclays PLC deducts these treasury

shares from shareholders’ equity.

Capital Redemption Reserve (CRR) 394 24 Arising from the redemption or exchange of Barclays PLC or

Barclays Bank PLC shares respectively.

Barclays Bank PLC Contingent Capital Notes (CCNs)

Barclays Bank PLC has in issue two series of CCNs. These both pay interest and principal to the holder unless the

consolidated CRD IV CET 1 ratio (FSA October 2012 transitional statement) of Barclays PLC falls below 7%, in which case

they are cancelled from the consolidated perspective. The coupon payable on the CCNs is higher than a market rate of

interest for a similar note without this risk.

The accounting for these instruments differs between the consolidated financial statements of Barclays PLC and Barclays

Bank PLC as follows:

In the case of the 7.675% CCN issuance, the cancellation is effected by an automatic legal transfer from the holder to

Barclays PLC. In these circumstances, Barclays Bank PLC remains liable to Barclays PLC. Barclays Bank PLC does not

benefit from the cancellation feature although it pays a higher than market rate for a similar note, and therefore the

initial fair value of the note recognised was higher than par. The difference between fair value and par is amortised to

the income statement over time.

In the case of the 7.75% CCN issuance, the cancellation is directly effected in Barclays Bank PLC. For Barclays Bank PLC,

the cancellation feature is separately valued from the host liability as an embedded derivative with changes in fair value

reported in the income statement. The initial fair value of the host liability recognised was higher than par by the

amount of the initial fair value of the derivative and the difference is amortised to the income statement over time.

Statement of Directors’ Responsibilities


The Directors (who are listed below) confirm that the condensed consolidated interim financial statements set out on pages

4 to 10 have been prepared in accordance with International Accounting Standard 34, ‘Interim Financial Reporting’, as

adopted by the European Union, and that the interim management report herein includes a fair review of the information

required by Disclosure and Transparency Rules 4.2.7R and 4.2.8R namely:

an indication of important events that have occurred during the six months ended 30 June 2015 and their impact on the

condensed consolidated interim financial statements, and a description of the principal risks and uncertainties for the

remaining six months of the financial year

material related party transactions in the six months ended 30 June 2015 and any material changes in the related party

transactions described in the last Annual Report

Signed on behalf of the Board by

John McFarlane Tushar Morzaria

Executive Chairman Group Finance Director

Barclays Bank PLC Board of Directors:

Executive Directors

John McFarlane (Executive Chairman)

Tushar Morzaria (Group Finance Director)

Non-executive Directors

Mike Ashley

Tim Breedon

Crawford Gillies

Reuben Jeffery

Wendy Lucas-Bull

Dambisa Moyo

Frits van Paasschen

Sir Michael Rake

Diane de Saint Victor

Diane Schueneman

Steve Thieke

Independent Auditors’ Review Report to Barclays Bank PLC


Report on the condensed consolidated interim financial statements

Our conclusion We have reviewed the condensed consolidated interim financial statements, defined below, in the interim results

announcement of Barclays Bank PLC for the six months ended 30 June 2015. Based on our review, nothing has come to our

attention that causes us to believe that the condensed consolidated interim financial statements are not prepared, in all

material respects, in accordance with International Accounting Standard 34 as adopted by the European Union and the

Disclosure and Transparency Rules of the United Kingdom's Financial Conduct Authority.

This conclusion is to be read in the context of what we say in the remainder of this report.

What we have reviewed The condensed consolidated interim financial statements, which are prepared by Barclays Bank PLC, comprise:

the condensed consolidated Balance Sheet as at 30 June 2015;

the condensed consolidated Income Statement for the six months ended 30 June 2015

the condensed consolidated statement of Comprehensive Income for the period then ended;

the condensed consolidated statement of Cash Flows for the period then ended;

the condensed consolidated statement of Changes in Equity for the period then ended; and

the related notes to the condensed consolidated interim financial statements.

As disclosed in note 1, the financial reporting framework that has been applied in the preparation of the full annual financial

statements of the group is applicable law and International Financial Reporting Standards (IFRSs) as adopted by the

European Union.

The condensed consolidated interim financial statements included in the interim results announcement have been prepared

in accordance with International Accounting Standard 34, ‘Interim Financial Reporting’, as adopted by the European Union

and the Disclosure and Transparency Rules of the United Kingdom's Financial Conduct Authority.

What a review of condensed consolidated financial statements involves We conducted our review in accordance with International Standard on Review Engagements (UK and Ireland) 2410,

‘Review of Interim Financial Information Performed by the Independent Auditor of the Entity’ issued by the Auditing

Practices Board for use in the United Kingdom. A review of interim financial information consists of making enquiries,

primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures.

A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing (UK

and Ireland) and, consequently, does not enable us to obtain assurance that we would become aware of all significant

matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

We have read the other information contained in the interim results announcement and considered whether it contains any

apparent misstatements or material inconsistencies with the information in the condensed consolidated interim financial

statements.

Responsibilities for the condensed consolidated interim financial statements and the review

Our responsibilities and those of the directors1,2 The interim results announcement, including the condensed consolidated interim financial statements, is the responsibility

of, and has been approved by, the directors. The directors are responsible for preparing the results announcement in

accordance with the Disclosure and Transparency Rules of the United Kingdom's Financial Conduct Authority.

Our responsibility is to express to the company a conclusion on the condensed consolidated interim financial statements in

the interim results announcement based on our review. This report, including the conclusion, has been prepared for and

only for the company for the purpose of complying with the Disclosure and Transparency Rules of the Financial Conduct

Authority and for no other purpose. We do not, in giving this conclusion, accept or assume responsibility for any other

purpose or to any other person to whom this report is shown or into whose hands it may come save where expressly

agreed by our prior consent in writing.

PricewaterhouseCoopers LLP

Chartered Accountants

28 July 2015

London, United Kingdom

1 The maintenance and integrity of the Barclays website is the responsibility of the directors; the work carried out by the auditors does not involve

consideration of these matters and, accordingly, the auditors accept no responsibility for any changes that may have occurred to the financial statements

since they were initially presented on the website.

2 Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

Condensed Consolidated Financial Statements


Condensed Consolidated Income Statement (Unaudited)

Half Year Ended Half Year Ended

Continuing Operations 30.06.15 30.06.14

Notes1 £m £m

Net interest income 6,231 6,110

Net fee and commission income 4,013 4,270

Net trading income 2,662 2,545

Net investment income 923 356

Net premiums from insurance contracts 351 336

Other income (11) 13

Total income 14,169 13,630

Net claims and benefits incurred on insurance contracts (248) (240)

Total income net of insurance claims 13,921 13,390

Credit impairment charges and other provisions (973) (1,086)

Net operating income 12,948 12,304

Staff costs (4,864) (5,730)

Infrastructure costs (1,590) (1,568)

Administration and general expenses (3,211) (2,482)

Operating expenses (9,665) (9,780)

Loss on disposal of undertakings and share of results of associates and joint

ventures (136) (20)

Profit before tax 3,147 2,504

Tax (1,010) (906)

Profit after tax 2,137 1,598

Attributable to:

Equity holders of the parent 1,972 1,446

Non-controlling interests 2 165 152


1 For notes specific to Barclays Bank PLC see pages 9 to 10 and for those that also relate to Barclays PLC see pages 56 to 90 in the Barclays PLC Results

Announcement.



Condensed Consolidated Statement of Comprehensive Income (Unaudited)

Half Year Ended

Half Year Ended


Notes1 £m £m


Other comprehensive (loss)/income that may be recycled to profit or loss:

Currency translation reserve (590) (1,056)

Available for sale reserve (278) 336

Cash flow hedge reserve (646) 254

Other 41 (18)

Total comprehensive (loss)/income that may be recycled to profit or loss (1,473) (484)

Other comprehensive (loss)/income not recycled to profit or loss:

Retirement benefit remeasurements (93) 236

Other comprehensive loss for the period (1,566) (248)

Comprehensive income for the period 571 1,350

Attributable to:

Equity holders of the parent 543 1,324

Non-controlling interests 28 26

Total comprehensive income for the period 571 1,350


Announcement.



Condensed Consolidated Balance Sheet (Unaudited)

As at As at

30.06.15 31.12.14

Assets Notes1 £m £m

Cash and balances at central banks 33,341 39,695

Items in the course of collection from other banks 1,227 1,210

Trading portfolio assets 98,105 114,755

Financial assets designated at fair value 33,335 38,300

Derivative financial instruments 341,470 440,076

Available for sale investments 96,255 86,105

Loans and advances to banks 45,107 42,657

Loans and advances to customers 430,719 427,767

Reverse repurchase agreements and other similar secured lending 93,138 131,753

Prepayments, accrued income and other assets 3,775 3,604

Investments in associates and joint ventures 577 711

Property, plant and equipment 3,620 3,786

Goodwill 4,832 4,887

Intangible assets 3,357 3,293

Current and deferred tax assets 4,510 4,464

Retirement benefit assets 33 56

Non-current assets classified as held for sale 4,154 15,574

Total assets 1,197,555 1,358,693

Liabilities

Deposits from banks 55,978 58,390

Items in the course of collection due to other banks 1,539 1,177

Customer accounts 438,445 427,868

Repurchase agreements and other similar secured borrowing 85,092 124,479

Trading portfolio liabilities 41,818 45,124

Financial liabilities designated at fair value 51,284 56,972

Derivative financial instruments 342,964 439,320

Debt securities in issue 75,525 86,099

Subordinated liabilities 20,155 21,685

Accruals, deferred income and other liabilities 11,854 11,432

Provisions 3,287 4,135

Current and deferred tax liabilities 904 1,278

Retirement benefit liabilities 1,091 1,574

Liabilities included in disposal groups classified as held for sale 1,909 13,115

Total liabilities 1,131,845 1,292,648

Equity

Called up share capital and share premium 4 14,472 14,472

Other reserves 948 2,322

Retained earnings 43,787 42,650

Shareholders' equity attributable to ordinary shareholders of parent 59,207 59,444

Other equity instruments 4,350 4,350

Total equity excluding non-controlling interests 63,557 63,794

Non-controlling interests 2 2,153 2,251

Total equity 65,710 66,045

Total liabilities and equity 1,197,555 1,358,693


Announcement.



Condensed Consolidated Statement of Changes in Equity (Unaudited)

Called up

Share Capital

and Share

Premium1

Other Equity

Instruments

Other

Reserves

Retained

Earnings Total

Non-

controlling

Interests1

Total

Equity

Half Year Ended 30.06.15 £m £m £m £m £m £m £m

Balance at 1 January 2015 14,472 4,350 2,322 42,650 63,794 2,251 66,045

Profit after tax - 159 - 1,813 1,972 165 2,137

Currency translation movements - - (463) - (463) (127) (590)

Available for sale investments - - (279) - (279) 1 (278)

Cash flow hedges - - (634) - (634) (12) (646)

Retirement benefit remeasurements - - - (94) (94) 1 (93)

Other - - - 41 41 - 41

Total comprehensive income for the year - 159 (1,376) 1,760 543 28 571

Other equity instruments coupons paid - (159) - 32 (127) - (127)

Equity settled share schemes - - - 303 303 - 303

Vesting of Barclays PLC shares under share-

based payment schemes - - - (706) (706) - (706)

Dividends paid - - - (595) (595) (129) (724)

Dividends on preference shares and other

shareholders' equity - - - (171) (171) - (171)

Capital contribution from Barclays PLC - - - 560 560 - 560

Other reserve movements - - 2 (46) (44) 3 (41)

Balance at 30 June 2015 14,472 4,350 948 43,787 63,557 2,153 65,710

Half Year Ended 31.12.14

Balance at 1 July 2014 14,479 4,350 (558) 44,718 62,989 2,130 65,119

Profit after tax - 160 - (1,078) (918) 174 (744)

Currency translation movements - - 1,501 - 1,501 41 1,542

Available for sale investments - - 87 - 87 3 90

Cash flow hedges - - 1,284 - 1,284 2 1,286

Retirement benefit remeasurements - - - (32) (32) 1 (31)

Other - - - (1) (1) - (1)

Total comprehensive income for the year - 160 2,872 (1,111) 1,921 221 2,142

Redemption of preference shares (7) - 8 (792) (791) - (791)





Dividends paid - - - (185) (185) (93) (278)



Capital contribution from Barclays PLC - - - - - - -

Other reserve movements - - - (34) (34) (7) (41)

Balance at 31 December 2014 14,472 4,350 2,322 42,650 63,794 2,251 66,045

Half Year Ended 30.06.14

Balance at 1 January 2014 14,494 2,078 (233) 44,670 61,009 2,211 63,220

Profit after tax - 90 - 1,356 1,446 152 1,598

Currency translation movements - - (941) - (941) (115) (1,056)

Available for sale investments - - 340 - 340 (4) 336

Cash flow hedges - - 260 - 260 (6) 254

Retirement benefit remeasurements - - - 237 237 (1) 236

Other - - - - - (18) (18) - (18)

Total comprehensive income for the year - - 90 - (341)- 1,575 1,324 26 - 1,350

Buyback and issue of equity instruments (15) 2,272 16 (1,683) 590 - 590





Dividends paid - - - (636) (636) (97) (733)



Capital contribution from Barclays PLC - - - 1,412 1,412 - 1,412

Other reserve movements - - - (6) (6) (10) (16)

Balance at 30 June 2014 14,479 4,350 (558) 44,718 62,989 2,130 65,119

1 Details of share capital and non-controlling interests are shown on page 10.



Condensed Consolidated Cash Flow Statement (Unaudited)

Half Year Ended Half Year Ended


£m £m

Profit before tax 3,147 2,504

Adjustment for non-cash items 2,407 935

Changes in operating assets and liabilities 6,971 (3,795)

Corporate income tax paid (929) (624)

Net cash from operating activities 11,596 (980)

Net cash from investing activities (13,569) 7,463

Net cash from financing activities (1,019) (629)

Effect of exchange rates on cash and cash equivalents (255) (1,380)

Net increase/(decrease) in cash and cash equivalents (3,247) 4,474

Cash and cash equivalents at beginning of the period 78,479 81,754

Cash and cash equivalents at end of the period 75,232 86,228

Financial Statement Notes


1. Accounting Policies

These condensed consolidated interim financial statements for the six months ended 30 June 2015 have been prepared in

accordance with the Disclosure and Transparency Rules of the Financial Conduct Authority and with IAS 34 Interim

Financial Reporting, as adopted by the European Union. The condensed consolidated interim financial statements should be

read in conjunction with the annual financial statements for the year ended 31 December 2014, which have been prepared

in accordance with IFRSs as adopted by the European Union.

The accounting policies and methods of computation used in these condensed consolidated interim financial statements

are the same as those used in the 2014 Annual Report.

Future accounting developments

During July 2015 the IASB confirmed the deferral of the effective date of IFRS 15 Revenue from Contracts with Customers by

one year to 1 January 2018.

For further information on future accounting changes, refer to the Barclays 2014 Annual Report.

Going Concern

The Directors confirm they are satisfied that the Group has adequate resources to continue in business for the foreseeable

future. They confirm that it is appropriate to adopt the going concern basis for preparing accounts and there are no

material uncertainties.

Financial Statement Notes


2. Non-controlling Interests

Profit Attributable to Non-

controlling Interest

Equity Attributable to Non-

controlling Interest

Half Year Half Year

Ended Ended As at As at

30.06.15 30.06.14 30.06.15 31.12.14

£m £m £m £m

Barclays Africa Group Limited 165 149 2,149 2,247

Other non-controlling interests - 3 4 4

Total 165 152 2,153 2,251

3. Dividends

Half Year

Ended

30.06.15

Half Year

Ended

30.06.14

Dividends paid during the period £m £m

Ordinary shares 595 636

Preference shares 171 237

Total 766 873

4. Equity and Reserves

Ordinary Shares

At 30 June 2015 the issued ordinary share capital comprised 2,342 million (2014: 2,342 million) ordinary shares of £1 each.

Preference Shares

At 30 June 2015 the issued preference share capital comprised 1,000 Sterling Preference Shares of £1 each (2014: 1,000);

31,856 Euro Preference Shares of €100 each (2014: 31,856); 20,930 Sterling Preference Shares of £100 each (2014:

20,930); 58,133 US Dollar Preference Shares of $100 each (2014: 58,133); and 237 million US Dollar Preference Shares of

$0.25 each (2014: 237 million).

Other Equity Instruments

Other equity instruments of £4,350m (2014: £4,350m) include Additional Tier 1 (AT1) securities issued by Barclays Bank

PLC during 2013 and 2014.

The AT1 securities are perpetual securities with no fixed maturity and qualify as AT1 instruments under CRD IV.

Appendix: Barclays PLC Results Announcement


Intentionally left blank

Resu

Barcults A

3

clays Annou

30 June 201

PLC uncem15

ment

Barclays PLC

Table of C

Results An

Performance

Executive Cha

Group Financ

Results by Bu

Personal a

Barclayca

Africa Ban

Investmen

Head Offi

Barclays N

Quarterly Res

Quarterly Cor

Performance

Returns a

Margins a

Risk Manage

Overview

Funding R

Funding R

Credit Ris

Market Ri

Statement of

Independent

Condensed C

Financial Stat

Shareholder I

C – 2015 Interim

Contents

nnouncem

Highlights

airman’s Revie

ce Director’s R

usiness

and Corporate

ard

nking

nt Bank

ce

Non-Core

sults Summary

re Results by B

e Management

and equity by b

and balances

ement

Risk - Liquidity

Risk - Capital

sk

isk

f Directors’ Res

Auditors’ Revi

Consolidated Fi

tement Notes

Information

BARCLAYS PLC,

m Results

ment

ew

eview

e Banking

y

Business

t

business

y

sponsibilities

iew Report to

inancial Statem

1 CHURCHILL PLACE

Barclays PLC

ments

E, LONDON, E14 5HP

, UNITED KINGDOM.

TELEPHONE: +44 (0)) 20 7116 1000. COMMPANY NO. 48839

Page

2-4

5

6-8

10-11

12-13

14-15

16-17

18

19-20

21-23

24-28

29-30

31

32

33-36

37-40

41-47

48

49

50

51-55

56-89

90-91

e

4

5

8

3

5

7

8

0

3

8

0

2

6

0

7

8

9

0

5

9

Barclays PLC

Notes

The term Barclathe six months tDecember 2014‘$m’ and ‘$bn’ millions of Euros

Comparatives pHead Office reshttp://www.barReferences thro‘provisions held

Adjusted profit comparing busbusiness performredress; gain onsale of the Spanthe defined retiritems. The reco

Relevant terms Standards (IFRS

The informationthe meaning ofinformation reqCommission (Sstatements undCompanies Act These results wForm 6-K will ahttp://www.secBarclays is a freConsistent withthese results an

Forward-lThis document amended, and Slooking statemematerially from relate only to hi‘target’, ‘projectstatements inclprovisions, busiof growth in thstrategic cost pexpenditures annature, forwardchanges in legisregard to the inregulatory invesand the impactregulatory rulesand global macinterest rates avolatility in capitmore countries other strategic tdividend paymelooking statemefilings with the Son the SEC’s we

Subject to our oongoing informinformation, fut

C – 2015 Interim

ays or Group refeto 30 June 2015

4. The abbreviatiorepresent millions respectively.

pre Q214 have besults under the rerclays.com/barcloughout this do for certain aspec

before tax, adjustiness performanmance. Items excn US Lehman acqnish business; Edrement benefit lia

onciliation of adju

that are used iS) are explained in

n in this announcf Section 434 of

quired for the JoEC) and which cer Section 498 of 2006. ill be furnished as

also be available c.gov. equent issuer in

h its usual practicd other matters r

looking sta contains certainSection 27A of tent is a guarante those contained istorical or currented’, ‘expect’, ‘esude, among othness strategy, cae banking and fi

programme and nd plans and obje-looking stateme

slation, the develnterpretation andstigations, future t of competition.s (including with croeconomic andnd foreign exchatal markets; chan exiting the Eurotransactions. A nents, and capital ents. Additional SEC (including, w

ebsite at http://w

obligations undemation, we undeture events or oth

m Results

ers to Barclays PLto the corresponons ‘£m’ and ‘£bns and thousand

een restated to revised business says-investor-relacument to ‘provcts of ongoing inv

ted attributable pce between percluded from the quisition assets; p

ducation, Social Hability. As manag

usted to statutory

n this documentn the Results glos

cement, which waf the Companies

oint Annual Repocontained an unf the Companies

s a Form 6-K to tfrom the Barclay

the debt capitalce, Barclays experelating to the Gr

atements n forward-lookinghe US Securities

ee of future perfo in the forward-lont facts. Forwardtimate’, ‘intend’, ers, statements pital, leverage annancial markets,the Group Strat

ectives for future ents involve risk aopment of standd application of levels of conduc. In addition, facregard to the fut

d business conditange rates; effecnges in credit ratiozone; the implemumber of these iand leverage ratrisks and factors

without limitationwww.sec.gov.

er the applicable rtake no obligat

herwise.

LC together with nding six monthsbn’ represent milds of millions of

eflect the implemstructure. These

ations/results-andvisions for ongovestigations invo

profit and adjusteiods. Adjusting iadjusted measurprovisions for on

Housing, and Locgement reviews ay performance is d

t but are not dessary that can be

as approved by ths Act 2006. Statort on Form 20

nqualified audit r Act 2006) have b

he SEC as soon ays Investor Relat

l markets and reects that from timoup.

g statements wi Act of 1933, as

ormance and thaooking statement

d-looking stateme ‘plan’, ‘goal’, ‘beregarding the G

nd other regulato projected costs

tegy Update, run operations, projeand uncertainty b

dards and interpreaccounting and

ct provisions, thectors including (bture structure of tions; the effects cts of changes inngs of any entitiementation of thenfluences and fa

tios may differ ms which may imp, our Annual Rep

laws and regulation to update p

its subsidiaries. of 2014 and ballions and thousaUS Dollars respe

mentation of the restatements wd-reports.

oing investigationlving certain auth

ed performance mitems are considres are: the impacngoing investigatcal Authority (ESHadjusting items adone at a Group

efined under app accessed at www

he Board of Directutory accounts -F of Barclays P

report under Secbeen delivered to

as practicable follotions website ww

egularly meets wme to time over t

thin the meanin amended, with

at actual results ots. These forwardents sometimes uelieve’, ‘achieve’ roup’s future finry ratios, paymen or savings, origi

n-down of assetsected employee nbecause they relaetations under In regulatory stand

e policies and actbut not limited tthe Group) appli of continued vo

n valuation of crees within the Groe strategic cost pctors are beyond

materially from thpact the Group’sport on Form 20-F

ations of the Unpublicly or revise

Unless otherwiseance sheet analy

ands of millions oectively; and ‘€m

Group structureere detailed in o

ns and litigationhorities and litiga

metrics have beendered to be signct of own credit; tions and litigatioHLA) valuation re

at a Group level, rlevel only.

plicable regulatow.Barclays.com/r

ctors on 28 July 2for the year end

PLC and Barclaysction 495 of the o the Registrar of

owing their publiww.barclays.com

with investors via the coming quar

g of Section 21Erespect to the G

or other financiad-looking statemuse words such aor other words o

nancial position, nt of dividends (inal and revised cs and businessesnumbers and othate to future eventernational Finandards, the outcotions of governmo) the followingcable to past, cu

olatility in credit medit market expoup or any securit

programme; and d the Group’s cone plans, goals, an

s future financial F for the fiscal ye

ited Kingdom ane any forward lo

e stated, the incoysis as at 30 Juneof Pounds Sterlin

m’ and ‘€bn’ repr

e changes and thour announcemen

primarily relatintion primarily rela

n presented to prnificant but not goodwill impairm

on primarily relatevision; and gainresults by busine

ry guidance or results.

2015 does not coded 31 Decembs Bank PLC to t Companies Act Companies in ac

ication. Once furn/investorrelation

formal road-shorter it will meet w

E of the US SecuGroup. Barclays c

l condition or pements can be iden

as ‘may’, ‘will’, ‘seof similar meaniincome growth, ncluding dividendcommitments ans within Barclaysher statements thnts and circumstncial Reporting S

ome of current aental and regulat may have an ef

urrent and future markets; market osures; changes ties issued by sucthe success of f

ntrol. As a result, nd expectations condition and p

ear ended 31 Dec

nd the United Staooking statemen

ome statement an with comparativ

ng respectively; tresent millions a

he reallocation ofnt on 10 July 20

ng to Foreign Exating to Foreign E

rovide a more corepresentative oment; provisions ting to Foreign Exn on valuation of ess are presented

International Fin

omprise statutoryer 2014, which the US Securitie 2006 (which di

ccordance with Se

nished with the Sns and from the

ows and other awith investors glo

urities Exchange autions readers t

erformance measntified by the facteek’, ‘continue’, ‘ng. Examples of assets, impairmd pay-out ratios)

nd targets in cons Non-Core, estihat are not histortances. These ma

Standards, evolvinand future legal ptory authorities, ffect: capital, lev periods; UK, US, related risks sucin valuation of i

ch entities; the pofuture acquisition the Group’s actuset forth in the G

performance are cember 2014), wh

ates in relation tnts, whether as

nalysis comparesves relating to 31the abbreviationsnd thousands of

f elements of the14, accessible at

xchange’ meansExchange.’

nsistent basis forf the underlying for UK customerxchange; loss on a component of

d excluding these

ancial Reporting

y accounts withinincluded certain

es and Exchanged not make anyection 441 of the

SEC, copies of theSEC’s website at

ad hoc meetings.obally to discuss

Act of 1934, asthat no forward-

sures could differ that they do notaim’, ‘anticipate’, forward-lookingent charges and, projected levelsnection with themates of capital

rical fact. By theiray be affected byng practices withproceedings andgeopolitical risks

verage and other Africa, Eurozonech as changes inssued securities;

otential for one orns, disposals andual future results,Group’s forward- identified in ourhich are available

o disclosure anda result of new

s

s f

e t

s

r g r n f e

g

n n e y e

e t

. s

s -r t ,

g d s e l r y h d s r e n ; r d , -r e

d w

Performa

Barclays PLC

Continued p

11% grooperatin6.5%)

Solid reton averathrough

Further (Decemb4.5%), h

Strong pincreasin2014: 3.

A 7% reexpense

Progressof authoin the FISDAFIX

Net tangperiod winterest

Statutory£615m (

Material adj

Additionprimarily

Additionestimatein Q215

A £496mto resolv

A £429mretireme

A £118mreserves

nce Highlig

C – 2015 Interim

progress on

owth in Grong businesse

turn on averaage equity to positive cos

run down ober 2014: £7

having reduc

progress onng to 11.1%7%), achievi

eduction in es excluding

s on legacy lorities in Q21oreign Exch

X benchmark

gible asset vawas more thrates and cu

y profit befo(H114: £848

justing items

al provisionsy relating to F

al UK custome of future red

m (H114: £nilve outstandin

m (H114: £nilnt benefit lia

m (H114: £ni recycled upo

ghts

m Results

our strategy

oup adjusteds. Group adj

age equity po 11.1% (H1

st to income

of the Non-C75bn). Non-Ced average a

capital and% (Decembeing our 2016

total adjustcosts to ach

itigation and15 in relationange marke

alue per sharhan offset burrency move

ore tax increm)

s:

s of £800m (Foreign Excha

mer redress dress and as

l) gain on USng litigation w

) gain was rebility was alig

il) loss was ron the compl

y:

d profit befjusted return

performance 114: 11.0%)jaws, with an

Core businesCore dilutionallocated equ

d leverage, r 2014: 10.3

6 targets

ed operatingieve to £7,94

d conduct mn to industryet and an in

re decreasedy dividend dements on re

eased 25% t

(H114: £nil) ange, taking

provisions osociated cos

Lehman acqwith the Trust

ecognised in gned to statu

recognised inletion of the S

2

fore tax to n on average

across the b, driven by an increase in

ss, with riskn of the Grouity by £4bn

with the fu3%) and the

g expenses 46m, driven

matters, with y-wide investdustry-wide

d to 279p (Dedistributionseserves

o £3,114m,

were made the total pro

f £1,032m (ts. This inclu

quisition assetee of Lehma

Q115 as tutory provisio

n Q115 primaSpanish busi

£3,729m ree shareholde

businesses rea 10% incre

n average allo

k weighted aoup’s return

to £10bn

lly loaded ce leverage ra

to £8,262mby savings fr

settlements tigations into investigatio

ecember 201s and the im

which inclu

in H115 for visions to £2

H114: £900muded an addit

ets was recogan Brothers In

the valuationons

arily relating ness sale

eflecting impers’ equity in

esulted in anase in profitocated equit

assets (RWAon average

common equatio increasi

m and a 5% rom strategi

of £1,608mo certain sal

on into the s

14: 285p) asmpact of cha

ded a net lo

ongoing inv2,050m

m) were taketional provisi

gnised in Q21nc.

n of a com

to accumula

provements ncreased to 7

n increase int before tax ty of £6bn to

As) decreasinequity was 3

uity tier 1 (ing to 4.1%

reduction ic cost progra

reached wites and tradisetting of th

s profit generanges in ma

oss in adjust

vestigations a

en based onion of £850m

15 reflecting

mponent of

ated currenc

in all Core7.7% (H114:

Core return to £4,241m

o £47bn

ng to £57bn3.4% (2014:

(CET1) ratio% (December

in operatingammes

th a numberng practices

he US Dollar

rated for theajor forward

ing items of

and litigation

an updatedm recognised

a settlement

the defined

y translation

e :

n m

n :

o r

g

r s r

e d

f

n

d d

t

d

n

Performa

Barclays PLC

Barclays Grfor the six m Total income nCredit impairmNet operating Operating expeLitigation and cOperating expCosts to achievTotal operatingOther net expeProfit before taTax charge1 Profit after taxNon-controllingOther equity inAttributable pr PerformancReturn on averAverage tangibReturn on averAverage sharehCost: income raLoan loss rate ( Basic earnings Dividend per sh

Balance sheNet tangible asNet asset valueLeverage expos

Capital manCRD IV fully loCommon equitCommon equitTier 1 capital Risk weighted aLeverage ratio

Funding andGroup liquidityEstimated CRDLoan: deposit r Adjusted profiAdjusted profiOwn credit Gain on US LehGain on valuatiProvisions for oProvisions for ULoss on sale ofStatutory profi

1 The effective

include adju2 The profit af

net amount return on av

3 Loan: depos

nce Highlig

C – 2015 Interim

oup results months ende

net of insurance ment charges and

income enses conduct enses excluding

ve g expenses

enses ax

x g interests

nterests2 rofit

ce measures

rage tangible shable shareholdersrage shareholderholders' equity (atio (bps)

per share2

hare

eet and leversset value per she per share sure

nagement

oaded ty tier 1 ratio

ty tier 1 capital

assets

d liquidity

y pool D IV liquidity covratio3

t reconciliation t before tax

hman acquisitionion of a componongoing investigUK customer redf the Spanish buit before tax

e tax rate for H11usting items and thfter tax attributabl of £127m (H114:

verage tangible shasit ratio for PCB, Ba

ghts

m Results

ed

claims d other provision

g costs to achie

areholders' equits' equity (£bn) rs' equity2 £bn)

rage

hare

erage ratio

for the six mon

n assets nent of the defingations and litigadress siness

15 is the expectedhe UK bank levy, arle to other equity £71m), along witareholders’ equity arclaycard, Africa B

30

1ns

1(7

eve (7

(8

3(

ty2

nths ended

ned retirement bation primarily r

d full year rate adjre recognised in th holders of £159mth non-controlling and return on aveBanking and Non-C

3

Adjust

.06.15 30.0£m

2,982 13,(973) (1,

2,009 12,7,812) (8,(134) (

7,946) (8,3(316) (

8,262) (8,8(18)

3,729 3,1,077) (1,2,652 2,(338) ((159)

2,155 1,

9.1% 748

7.7% 656

64%

40

13.1p 12.0p

benefit liability relating to Foreig

justed for the impe period in which t

m (H114: £90m) is interests (NCI) is

erage shareholdersCore retail.

ted

06.14 £m % Chan

,332 086) ,246 172) 211) 3383) 494) 3877) (20)

,349 109) ,240 390) (90) (7

,760 2

7.5% 47

6.5% 55

67% 45

0.9p 2.0p

gn Exchange

act of significant they occur. offset by a tax cre deducted from prs’ equity.

30.06.nge £(3) 13,8810 (97(2) 12,91

4 (7,3836 (1,96

5 (9,3436 (31

7 (9,6610 (1311 3,11

3 (1,0018 2,1013 (3377) (1522 1,61

6.9 4 5.9 5 70 4

9. 2.

30.06. 27 32 £1,139

30.06.

11.1 £42.0 £46.5 £377 4.1

30.06. £145 121 88

30.06. 3,72 41 49 42 (80 (1,03 (11

3,11

one-off items. Th

edit recorded in rerofit after tax in or

Statutory

15 30.06.14£m £m88 13,38473) (1,08615 12,29883) (8,17266) (1,11149) (9,28316) (49465) (9,77736) (2014 2,50106) (89508 1,60638) (39059) (9011 1,126

9% 4.9%48 479% 4.2%56 540% 73%40 45

9p 7.0p0p 2.0p

15 31.12.149p 285p8p 335pbn £1,233bn

15 31.12.14

1% 10.3%bn £41.5bnbn £46.0bnbn £402bn

1% 3.7%

15 31.12.14bn £149bn

1% 124%8% 89%

15 30.06.1429 3,34910 5296 -29 -00) -32) (90018) -14 2,501

he tax impacts of s

eserves of £32m (Hrder to calculate ea

4

m % Change 4 4 6) 10 8 5 2) 10

) (77) ) (1)

4) 36 ) 1

0) 1 25 5) (12) 6 31 0) 13 0) (77) 6 43

% 7 % 4 % 5

p p

4 p p n

4

% n n n

%

4 n

% %

4 9 2 - - -

0) - 1

such items, which

(H114: £19m). Thearnings per share,

h

e ,

Performa

Barclays PLC

Barclays Coresults for t

Total income nCredit impairmprovisions

Net operating Operating expeLitigation and cCosts to achievTotal operatingOther net (expeProfit/(loss) bTax (charge)/cProfit/(loss) afNon-controllingOther equity inAttributable pr

PerformancReturn on averAverage allocatReturn on averAverage allocatPeriod end alloCost: income raLoan loss rate (Basic earnings

Capital manRisk weighted aLeverage expos

Income by bPersonal and CBarclaycard

Africa Banking

Investment BanHead Office

Barclays Core

Barclays Non-CBarclays Group

Profit/(lossPersonal and CBarclaycard

Africa Banking


Barclays Core


1 Return on a

Group return

nce Highlig

C – 2015 Interim

ore and Non-the six month


income

enses

conduct

ve

g expenses

enses)/income

efore tax credit

fter tax g interests

nterests

rofit/(loss)

ce measures

rage tangible equted tangible equ

rage equity1

ted equity (£bn)ocated equity (£batio

(bps)

per share contr

nagement

assets sure

business

Corporate Bankin

nk

Core

p adjusted total

) before tax Corporate Bankin

nk

Core

p adjusted prof

verage equity andns and Barclays C

ghts

m Results

Core hs ended

claims

d other

uity1

uity (£bn)

)

bn)

ibution

ng

l income

by business

ng

it before tax

d average tangibleCore returns. This

30.06.15

£m

12,940

(936)

12,004 (7,359)

(89)

(293)

(7,741)

(22)

4,241 (1,250)

2,991 (306)

(128)

2,557

13.4%

39 11.1%

47 47

60%

44 15.5p

30.06.15

£320bn

£973bn

e equity for Barclay does not represen

4

Barclays Core

30.06.14 £m

12,674

(937)

11,737 (7,314)

(177) (453)

(7,944) 47

3,840 (1,233) 2,607 (315)

(68) 2,224

13.5% 33

11.0% 41 42

63% 46

13.8p

31.12.14 £327bn £956bn

ays Non-Core reprent the return on a

% Change

2

-

2 (1) 50 35

3

10 (1) 15

3 (88) 15

30.06

4,32,31,84,2

12,9

12,9

30.06

1,575

1,4(6

4,2(5

3,7

esents its impact average equity an

30.06.15 £m 42

(37)

5 (453) (45) (23) (521) 4 (512) 173 (339) (32) (31) (402)

(4.3%) 10 (3.4%) 10 8 n/m 10 (2.4p)

30.06.15 £57bn £166bn

.15

£m 84 57 58 99 42 40 42 82

.15

£m 28 95 40

440 62) 41 12) 29

on the Group, beind average tangibl

Barclays Non-C

5 30.06.14 m £m

658

) (149)

509 ) (860) ) (33) ) (41) ) (934) (66) ) (491) 124 ) (367) ) (75) ) (22) ) (464)

) (6.0%) 14 ) (4.5%) 14 13

m n/m 45 ) (2.9p)

5 31.12.14 n £75bn n £277bn

30.06.14 £m

4,361 2,124 1,773 4,257

159 12,674

658 13,332

30.06.14 £m

1,468 764 484

1,058 66

3,840 (491)

3,349

ing the difference le equity of the N

Core

% Change (94)

75

(99) 47 (36) 44 44 (4) 40 8 57 (41) 13

% Change1

11 5 1

(74)2

(94)(3)

% Change4 4

12 36

10 (4)11

between BarclaysNon-Core business.

e ) ) )

e )

s .

Executive

Barclays PLC

“The results r Group profitsrundown consettlements wresolve. I am although we strengthen th Barclays todamore that canpriorities whic Our first priorare good at it That means ainvestment bis marginal or A sensibly plain 2017 when I am personachallenge for The second m It was particuthat has risen However, theis 70%, which We need to aat least in linethereby over The Board haimproving thestrength. Oveprogressive d I am not issuiachieved an 1 The third priodriven cultureunnecessary Crucially we mthis business There is a lot John McFarla

e Chairman

C – 2015 Interim

reported today

s are up on botntinues, costs rwith certain aupleased that owill continue t

he ratios.

ay has a good pn be done to dch I have estab

rity is to delivet and what is fi

aligning our efanking in Euror which will no

anned faster run we expect to

lly pleased wit the team is to

major priority o

ularly pleasing n above 11% fo

e Group returnh is high for ou

ccelerate growe with the martime achieve a

as concluded te returns of ther time, rather dividend policy

ing new target11% CET1 rati

ority is to instile. We need to and cumbersomust do this in in the right wa

we can do to

ane, Executive

n’s Review

m Results

y represent con

th an adjustedremain under c

uthorities in theour CET1 and lto build capita

portfolio of budeliver better reblished since b

er on our strateinancially com

ffort and investope and the USot deliver the re

un-down of Bao reintegrate it

th recent progo convert this p

of the group is

this half to seeor the first tim

on equity is 5ur business mi

wth in earningsrket, reduce oua Group return

hat it is approphe business and than targetingy, recognising t

ts for the Grouo, we would li

a high performbe much more

ome bureaucran a way which ay.

accelerate our

e Chairman

ntinued good

d and statutorycontrol, and we first half in reeverage ratiosl in the medium

usinesses. Howeturns for sharbecoming Exec

egy, with incrempelling to us.

tment behind S, our cards bueturn on equit

arclays Non-Co into the Core.

ress in the Inveperformance in

s to accelerate

e a strong recome and a levera

.9% on a statuix.

s, return on equr Group cost-n on equity abo

priate to plan fd acceleratingg a particular pthe importanc

up, but can conke this to cont

mance ethic ane customer anacy, and to em is consistent w

r progress and

5

progress for th

y basis, and ouwe continue to espect of Fores are now abovm term, balan

wever, we needreholders, fastcutive Chairma

eased focus on

our key franchusiness, and onty we require.

ore will be imp

estment Bank.nto sustainabl

the delivery of

overy in earninage ratio above

utory basis, we

quity, and capi-income ratio iove our cost of

for a 6.5p divid the implemen

payout ratio race of dividend y

nfirm that we wtinue to impro

nd process acrnd client orientmbed direct acc

with our value

d the work has

he business.

ur core franchis seek to put coign Exchange

ve 11% and 4%cing the need

d to accelerateter, and that wan earlier this

n our core fran

hises of UK pern Africa. We w

plemented, res

. It has generae economic re

f shareholder v

ngs, broadly flae 4%, both ach

ell short of our

tal generationnto the mid 50f equity.

dend for 2015ntation of the sange, we will ayield in deliver

will adhere to ve over time s

ross the Grouptated in our apcountability foes, and with str

already begun

ses have perfoonduct issues band ISDAFIX,

% respectively to fund growt

the executionwork has begun

month.

chises: what w

rsonal and comwill also act qui

sulting in it hav

ated a double-eturns through

value.

at costs on a shieving our 20

r cost of equity

. To do this, w0s, accrete and

, the same levestrategy, whileim to maintainring returns to

our remainingo that we reac

p, underpinnedpproach, to stre

r activities witrong controls i

n.”

ormed well. Nobehind us. Wealthough there. These are satth with the nee

n of the strategn under three G

we are good at

mmercial bankckly to curtail

ving around £2

digit return in h subsequent p

tatutory basis,16 targets.

y, and our cost

we intend to grd deploy capita

el as 2014, as e maintaining cn a sustainable shareholders.

g targets. Nowch our end stat

d by an enhaneamline and ethin our businein place, so tha

on-Core e announced e is more to tisfactory, ed to

gy. There is Group

t, where we

king, activity which

20bn of RWAs

H1, and the periods.

, a CET1 ratio

t-income ratio

ow revenues al wisely, and

we focus on capital e and

w that we havete.

ced values liminate esses. at we build

s

e

Group Fin

Barclays PLC

Income st

Group perfor Adjusted Adjusted

Core inco Impairme Adjusted

particularconduct c

Statutory of provisioof additio£nil) gainsale of the

The effectdecreasedsignificanthey occu

Adjusted equity of

Core perform Profit bef

£540m in Income in

- Barcla- Africa

to the- PCB in

incom- Net in

growtincrea

- InvestincomCredit

Credit impimproving5% in Barreduced 2

Total opethe Invesincreasedincluding

Attributabredeploye

Non-Core pe Loss befo

- A reduimpacAutho

- An imhigher

- A 44%the Sp

Non-Core£10bn (H

nance Direc

C – 2015 Interim

tatement

rmance profit before tincome decrea

ome increasingent reduced 10

total operatinrly in Non-Corcharges were £ profit before ons for UK cus

onal provisionsn on the valuate Spanish busitive tax rate ond to 32.3% (H

nt one-off itemur

attributable p7.7% (H114: 6

mance fore tax increan Africa Bankinncreased 2% toaycard incomea Banking incoe continued proncome increas

me due to mortnterest incometh and margin ased 11bps to tment Bank in

me in rates andt income pairment charg UK economicrclaycard whic2bps to 44bps erating expensstment Bank ad 19% to £1,01 certain markeble profit increed from Non-C

erformance ore tax increaseuction in incomct of the sale ority (ESHLA) p

mprovement inr recoveries in

% reduction inpanish businese return on ave114: £14bn). P

ctor’s Revi

m Results

tax increased 1ased 3% to £1

g 2% to £12,940% to £973m, g expenses w

re and the Inv£134m (H114:tax was £3,11stomer redresss for ongoing intion of a compiness and an on adjusted proH114: 35.8%)

ms, including a

profit was £2,6.5%)

ased 10% to £ng, 4% to £1,5o £12,940m

e increased 11%me increased ogress on the sed 1% to £4,3tgage margin pe in PCB, Barcla improvement4.17%

ncome increasd currency pro

rges were in lic environmentch was accom

ses decreased and lower cos17m primarily eting costs andeased 15% to Core, resulting

ed to £512m (me of £616m t of the Spaniportfolio of £1

n impairment t Europe total operatin

ss and reducederage equity dPeriod end allo

iew

11% to £3,72912,982m as No40m with the Grou

were down 7%vestment Bank: £211m) 14m (H114: £2s, a £496m ganvestigations aponent of the own credit gainofit before tax ). The reductiadjusting item

155m (H114:

£4,241m with 28m in Person

% to £2,357m 5% to £1,858retail banking 384m due to pressure aycard and Aft in PCB, and v

sed 1% to £4oducts, and a

ne at £936m t resulting in l

mpanied by loa

3% to £7,741sts to achieve due to contind the non-recu £2,557m, wh in an increase

(H114: £491mto £42m followsh business, a75m (H114: £to £37m (H11

ng expenses tod costs to achiilution was 3.4ocated equity r

6

9m reflecting imon-Core incom

up loan loss rat% to £8,262m a

k. Costs to ac

2,501m) whicain (H114: £niland litigation pdefined retirem

n of £410m (Hdecreased to 2on reflects ths and the UK

£1,760m) res

improvementnal and Corpor

reflecting gro8m reflecting s turnaround ingood growth

frica Banking involume growth

4,299m reflectn increase in

(H114: £937mower default r

ans and advan

m, reflecting e of £293m (

nued investmeurrence of a H1ile average all

e in Core return

) reflecting: wing assets anand fair value

£29m) 4: £149m) pr

o £521m due eve 4% (H114: 4.5reduced to £8

mprovements me reduced £6

te improving 5as a result of

chieve were £3

h also include) on US Lehmaprimarily relatment benefit l

H114: £52m) 28.9% (H114: he expected f bank levy, wh

sulting in an a

ts of 36% to £rate Banking (P

owth in US cardstrong growth n South Africa in Corporate,

ncreased 7% th in Barclaycar

ting an improEquities incom

m). This reflectrates and charces growth of

savings from (2014: £453mnt in business114 VAT refunocated equity

n on average e

nd securities rue losses on th

rimarily reflect

to savings fro

5%) reflecting bn (December

in all Core ope16m to £42m

5bps to 40bps savings from 316m (H114:

ed an additionan acquisitioning to Foreigniability, a £11

33.1%) and oull year rate ahich is recogn

adjusted retur

£1,440m in thPCB) and 4% t

ds and Busines in Retail and B

partially offset

to £5,975m drrd and Africa B

vement in Mame, partially o

ted lower imprges in Corporf 11% from Ju

strategic costm). Barclaycards growth and tnd y increased £6equity to 11.1%

un-down, busihe Education,

ting the sale o

m strategic co

a reduction inr 2014: £11bn

erating busine. This was par

strategic cost £494m) and

al £1,032m (H assets, £800m Exchange, a £8m (H114: £n

on statutory pradjusted for t

nised in the pe

n on average

e Investment to £795m in B

ss Solutions Business Bank

t by a reductio

riven by lendinBanking. Net in

acro income doffset by lower

pairments in Pate, offset by

une 2014. The

programmes,d total operatthe impact of

bn to £47bn a% (H114: 11.0%

ness disposals Social Housin

of the Spanish

ost programm

n average alloc)

esses rtially offset by

programmes, litigation and

H114: £900m)m (H114: £nil)£429m (H114:nil) loss on the

rofit before taxthe impact oferiod in which

shareholders’

Bank, 12% toarclaycard

king (RBB) due

on in Personal

ng and depositnterest margin

due to higherr Banking and

CB due to thean increase of loan loss rate

, principally inting expensesone-off items,

as capital was%)

s including theng, and Local

business and

es, the sale of

cated equity to

y

, d

) ) :

e

x f h

’

o

e

l

t n

r d

e f e

n s ,

s

e l

d

f

o

Group Fin

Barclays PLC

Balance s

Balance shee

Total assereverse re

- Total balanc

Customerresult of business

Total shacontrollinreserves orate moveUSD. Thisunder emprofit of £

Net asset 2014: 285equity as

Leverage exp

Leverage

- Securreducdeleve

- The Plegacy

- Deriva£341bincrea

Capital ratios

The fully £377bn a

- The inthe imCET1

- The rethe SpBank d

The levera(Decembe

nance Direc

C – 2015 Interim

heet and c

et

ets decreased epurchase agre

loans and adces was partia

r accounts inchigher settlem

reholders’ equg interests, sof £1.4bn incluements, and as was partially

mployee share £1.8bn offset b

value and net5p) respectiveldetailed above

posure

exposure decr

ities Financinging £39bn toeraged

Potential Futury portfolio run

ative leverage bn, offset by aases in major fo

s

loaded CRD IVand an increase

ncrease in CETmpacts of own

capital by £0.3

eduction in RWpanish businesdriven by risk r

age ratio increer 2014: £1,23

ctor’s Revi

m Results

capital

12% to £1,19eements

dvances increaally offset by a

creased £11bnment balances

uity including nhareholders’ euding a £0.6b £0.5bn decre

y offset by a £schemes and

by £0.7bn of d

t tangible assely as profit gene

reased £94bn

g Transaction £93bn. This

re Exposure (P down and opt

exposure, exca decrease in orward rate cu

V CET1 ratio ine in the fully lo

T1 capital was n credit and re3bn

WAs was primss, run-down reduction in th

eased to 4.1% 33bn)

iew

7bn compared

ased £5bn to £3bn decrease

n to £438bn ps, partially off

non-controllinequity was £5n decrease in

ease in the cur0.7bn increase scrip dividendividends paid a

et value per shnerated for the

to £1,139bn d

ns decreased was driven b

PFE) on derivatimisation incl

cluding PFE, d derivative neurves and cont

ncreased to 11oaded CRD IV C

driven by £1.8egulatory divid

marily driven byof legacy stru

he trading boo

(December 20

7

d to 31 Decem

£475bn as ae due to the ru

primarily due fset by a £2b

ng interests wa59.3bn (Decethe cash flow

rrency translate in share capds, and an incand £0.7bn of

are decreasede period was m

driven by:

by £40bn, pby reductions

atives decreasuding trade co

ecreased £26betting of £87btinued legacy p

1.1% (DecembCET1 capital o

8bn profits aftedends paid an

y the reductioctured and cr

ok

014: 3.7%) driv

mber 2014, prim

a net £8bn incun-down of Eu

to a £12bn inn decrease in

as £65.6bn (Dmber 2014: £ hedging reser

tion reserve aspital and sharecrease of £0.4bf shares vesting

d to 328p (Decmore than offse

rimarily due t in matched

sed £19bn to ompressions a

bn partly due bn to £308bn.portfolio run d

ber 2014: 10.3of £0.5bn to £4

er absorbing and foreseen, ca

n in Non-Coreredit products,

ven by a decre

marily due to r

crease in setturopean retail a

ncrease withinn Non-Core du

December 2014£59.6bn) reflerve, due to the

s GBP strengthe premium, dubn in retainedg in relation to

cember 2014: 3et by the overa

to IFRS reverbook trading

£160bn, mainand tear-ups

to a decrease. These decre

down

3%) due to a £42.0bn

adjusting itemsapital generate

e of £19bn to , and a £7bn r

ease in the leve

eductions in d

tlement and cassets within N

n the Investmeue to the run

4: £66.0bn). Eecting a reduce impact of fo

hened against ue to the issuad earnings dueo employee sha

335p) and 279all decrease in

rse repurchase as the balan

nly as a result

e in IFRS assetases were pri

£25bn reductio

s. After furtheed from earni

£57bn includireduction in th

erage exposur

derivatives and

cash collateralNon-Core

ent Bank as a-down of the

xcluding non-ction in otherrward interestZAR, EUR and

ance of sharese to generatedare schemes

9p (December shareholders’

e agreementsnce sheet was

t of continued

ts of £99bn tomarily due to

on in RWAs to

r adjusting forngs increased

ing the sale ofhe Investment

re to £1,139bn

d

l

a e

-r t d s d

r ’

s s

d

o o

o

r d

f t

n

Group Fin

Barclays PLC

Funding a The Grou

£145bn (equivalenassociatedratings ch

Wholesaleissued £6by the hoBarclays Bcompany

Other mat Provisions

– AdditiForeigQ215 in thebench

Additionaincludes a£900m), (Decembe

A £496m with the between t

A £429mliability wstatutory

A £118mrecycled u

Dividends The Board

time, a div

For 2015,focus on capital str

A second

Barclays N We have

2014. Noof £8.3bn

We now hfinancial rto aroundbusiness Non-Core

Tushar Morz

nance Direc

C – 2015 Interim

and liquiditup continued t

December 20nt to a surplus d with credit r

hanges occurre

e funding outs6bn of term funolding compaBank PLC, the capital and fu

tters

s of £484m (D

ional provisiongn Exchange, with a numbee Foreign Exchmark

al UK customeadditional cha£600m of wher 2014: £1,05

(H114: £nil) gSecurities Invthe parties rela

(H114: £nil) gwas revised to provisions

m (H114: £nil) upon the comp

s

d recognises thvidend that is

, the Board hasimproving therength

interim divide

Non-Core Gmade signific

on-Core RWAsn as at June 20

have greater vresults througd £20bn by thwhere it will c

e RWAs to £45

zaria, Group Fi

ctor’s Revi

m Results

ty o maintain su14: £149bn). of £26bn (Derating changesed during Q21

standing exclunding net of eny, Barclays P

e operating counding model

December 2014

ns of £800m (Htaking the tot

er of authoritiehange market

r redress provarges for PPI rhich was reco59m)

gain on US Lehvestor Protectiating to the ac

gain was reco use the long

loss was recopletion of the S

he importancesustainable an

s concluded the returns of th

end of 1p will b

Guidance ant progress i

s have been re15, 15% of the

visibility as to th lower capita

he end of 201continue to be

5bn at the end

inance Directo

iew

rpluses to its The Liquidity cember 2014:s as a result of5, the expecte

uding repurcharly redemptioPLC. These prompany. This

4: £1,690m) a

H114: £nil) wetal provisions

es in relation tot and an indu

isions of £1,03redress basedognised in Q2

hman acquisitiion Act Truste

cquisition of m

ognised in Q11g term Consum

ognised in Q1Spanish busine

e of paying retnd progressive

hat it is apprope business and

be paid on 14 S

in running doweduced from £e Group total a

the options aval requirement7, at which poe managed do of 2016

or

8

internal and reCoverage Rat

: £30bn). The f credit rating ed funding imp

ase agreemenons during H1roceeds have demonstrates

re held for Leg

ere made for o recognised too industry-widustry-wide inv

32m (H114: £9d on an updat215. As at Jun

on assets wasee for Lehma

most of the asse

15 as the valuamer Price Ind

115 primarily ess sale

turns to shareh rather than ta

priate to plan fd accelerating

September 20

wn Barclays N£110bn in Decand down from

vailable to us is and operatinoint we expecown. This rev

egulatory requio (LCR) decresurpluses wer agencies’ assepacts had not f

nts was £157b15, of which £been used to

s further prog

gal, Competitio

ongoing investio £2,050m. S

de investigatiovestigation int

900m) were reted estimate one 2015 the P

s recognised inan Brothers Inets of LBI in Se

ation of a comex rather tha

relating to ac

holders by wayargeting a part

for a 6.5p distrg the implemen

15

Non-Core sinceember 2013 t

m £15.1bn as a

n order to redng losses. We ct the Non-Covised guidance

uirements in Heased to 121%re built to posiessment of sofully materialis

bn (December £3bn was in seo subscribe foress on the tr

on and Regulat

igations and litSettlements ofns into certainto the setting

ecognised inclof future redrePPI redress pr

n Q215. Barclac. (LBI) to res

eptember 2008

mponent of then the Retail P

ccumulated cu

y of dividends ticular payout

ribution, the santation of the

e it was estabto £57bn, resuat December 2

duce Non-Core therefore planre unit will be

e replaces pre

H115 with a liq% (December ition the Groupvereign supposed by the end

2014: £171bnenior unsecurer senior unsecransition towa

tory matters

tigation primaf £1,608m wen sales and tra of the US D

luding £850mess costs of £rovision held w

ys has reachedsolve outstand8

e defined retirPrice Index, co

urrency transla

and expects tratio range

ame level as 2 strategy whils

blished as a seulting in an eq2013

e’s influence on to reduce Noe reintegrated vious guidanc

quidity pool of2014: 124%),p for outflows

ort. Whilst thed of H115

n). The Grouped debt issuedcured debt at

ards a holding

arily relating toere reached inding practices

Dollar ISDAFIX

in Q215. This£750m (H114:was £1,268m

d a settlementding litigation

ement benefitonsistent with

ation reserves

to deliver, over

2014, while west maintaining

eparate unit inuity allocation

on the Group’son-Core RWAs into the Corece of reducing

f , s e

p d t g

o n s X

s :

m

t n

t h

s

r

e g

n n

s s e g

Barclays PLC

C – 2015 Interimm Results

Inte

9

entionally left b

blank

Results by

Barclays PLC

Personal aIncome statNet interest incNet fee, commTotal income Credit impairmNet operating Operating expeLitigation and cCosts to achievTotal operatingOther net (expeProfit before taAttributable pr

Balance sheLoans and advaTotal assets Customer depoRisk weighted a

Key facts Average LTV oAverage LTV oClient assets2 Number of bra

PerformancReturn on averAverage allocatReturn on averAverage allocatCost: income raLoan loss rate (

Analysis of totPersonal Corporate Wealth Total income

Analysis of loaPersonal Corporate Wealth Total loans and Analysis of cusPersonal Corporate Wealth Total custome 1 Average LTV2 Includes ass

administrati

y Business

C – 2015 Interim

and Corpotement inforcome ission and other

ment charges andincome enses conduct ve g expenses enses)/income ax ofit

eet informatiances to custom

osits assets

f mortgage lendf new mortgage

nches

ce measures


rage equity ted equity (£bn)atio (bps)

tal income

ans and advance

d advances to c

stomer deposits

r deposits

V of mortgage lendsets managed or adion, and Wealth cli

m Results

orate Bankirmation

r income

d other provision

ion mers at amortise

ding1 e lending1

uity

uity (£bn)

)

es to customers

customers at am

s

ding and new mortdministered by Barient deposits and c

ing

ns

ed cost

s at amortised c

mortised cost

tgage lending calcrclays on behalf ofclient lending.

10

cost

culated on the balaf clients including a

Half year ended30.06.15

£m3,2031,1814,384(178

4,206(2,466

(25(139

(2,630(48

1,5281,102

As at 30.06.15£bn

217.5289.9298.5120.6

Half year ended

30.06.1551%62%

£142.6bn1,448

16.4%13.6

12.3%18.160%

16

£m2,0141,877

4934,384

As at 30.06.15£bn

137.866.013.7

217.5

146.3120.3

31.9298.5

ance weighted basassets under mana

d Half ye5

m 3

4 )

6 ) ) ) ) )

8 2

5 As atn 5 9 5 6

d Half ye

5 % % n 8

% 6 %

% 6

m 4 7 3 4

5 As atn 8 0 7 5

3 3 9 5

sis. agement (AUM), c

ear ended 30.06.14

£m

3,057

1,304

4,361 (230)

4,131 (2,525)

(29)

(115)

(2,669)

6

1,468 1,039

t 31.12.14 A£bn

217.0

285.0

299.2

120.2

ear ended

30.06.14

55%

64%

£151.3bn

1,546

16.1%

13.0 12.1%

17.3 61%

21

£m

2,053

1,768

540

4,361

t 31.12.14 A£bn

136.8

65.1 15.1

217.0

145.8

122.2

31.2

299.2

custody assets, ass

YoY

% Change 5

(9) 1

23 2 2

14 (21)

1

4 6

As at 30.06.14 £bn

216.7 268.1 298.3 117.9

YoY

% Change (2)

6 (9) 1

As at 30.06.14 £bn

135.9 64.8 16.0

216.7

141.6 123.7

33.0 298.3

sets under

Results by

Barclays PLC

Personal a

Income stat

Profit befexpenses impacted the impro

PCB resulannouncewere cost

Total inco

– Personand lo

– Corpoimpro

– Wealt

– Net inlaunchincom

– Newa

– Net fepropo

Credit impeconomicCorporate

Total operelating tocosts to a

Client assongoing s

Balance she

Loans and

Total assethe growt

Customer

RWAs inc

y Business

C – 2015 Interim

and Corpo

tement – H1

fore tax increa reduced due by investmen

oving economi

ts were signifed disposal of ts to achieve, a

ome increased

nal income redower fee incom

orate income oved deposits m

h income redu

nterest incomeh of a revised

me as opposed

et interest maras partially off

ee, commissioosition in H214

pairment charc environmente clients

erating expenso restructuringachieve of £56

sets decreasedstrategic mark

eet – 30 June

d advances to

ets increased th in loans and

r deposits decr

creased £0.4bn

m Results

orate Banki

15 compared

ased 4% to £1 to increased

nt in digital anc environment

ficantly impact the US busineand other net e

1% to £4,384

duced 2% to £me, partially off

increased 6%margins, partia

uced 9% to £4

e increased 5%overdraft prop to fee income

rgin improved fset by the imp

on and other 4 and the impa

rges improved t in the UK, p

ses reduced 1g of the branchm relating to t

d £8.7bn to £ket exits

e 2015 comp

customers inc

£4.9bn to £28d advances to c

reased £0.7bn

n to £120.6bn

ing

d to H114

,528m with a automation a

nd the customt in the UK

ted by £171m ess. Income wexpenses inclu

4m

£2,014m due fset by balance

% to £1,877mally offset by le

493m primarily

% to £3,203m position in H2e

5bps to 3.01%pact of mortga

income reduact of custome

23% to £178marticularly imp

1% to £2,630h network andthe announced

142.6bn prima

ared to 31 D

creased £0.5bn

89.9bn primaricustomers

n to £298.5bn

primarily drive

11

a return on avand the net c

mer experience

of charges inwas impacted buded a £55m lo

to mortgage me growth and

with balanceending margin

y as a result of

driven by mar14, which reco

% due to highge margin pre

uced 9% to £er redress in th

m and the loanpacting Corpo

m. This reflecd technology imd disposal of th

arily due to th

December 20

n to £217.5bn

ily driven by a

en by growth i

verage equity olosure of 98

e across multip

Wealth relatinby £29m, opeross on sale

margin pressuimproved savi

e growth in bn compression

the impact of

rgin improvemognises the m

er deposit maessure from ex

£1,181m due he US

n loss rate redorate which be

cted savings rmprovements he US Wealth b

he announced

014

due to growth

an increase in

in mortgages a

of 12.3% (H11branches. Opeple channels.

ng to customerating expense

ure from existings margins

both average

f customer red

ment, lending aajority of over

rgins within Cxisting custome

to the launc

duced 5bps to enefited from

realised from to increase aubusiness

disposal of th

h in mortgage

the allocation

and Corporate

14: 12.1%). Toerating expenImpairment re

er redress in thes by £87m of

ng customer r

lending and

ress in the US

and deposit grrdraft income a

Corporate and er rate switchi

ch of the revi

16bps due to lower default

strategic costutomation, par

he US Wealth

s and Corpora

of liquidity po

e lending

otal operatingses were also

educed due to

he US and thef which £56m

rate switching

deposits, and

rowth and theas net interest

Personal. Thisng

ised overdraft

the improvingts of large UK

t programmesrtially offset by

business and

ate lending

ool assets and

g o o

e m

g

d

e t

s

t

g K

s y

d

d

Results by

Barclays PLC

BarclaycaIncome statNet interest incNet fee, commTotal income Credit impairmNet operating Operating expeCosts to achievTotal operatingOther net incomProfit before taAttributable pr


Key facts

30 day arrears 30 day arrears Total number oTotal number oValue of payme


y Business

C – 2015 Interim

ard

tement inforcome ission and other

ment charges andincome enses ve g expenses me ax ofit


osits assets

rates - UK cards rates - US cardsof Barclaycard cof Barclaycard bents processed

ce measures


rage equity

ted equity (£bn)atio

(bps)

m Results

rmation

r income

d other provision

ion mers at amortise

s

s

onsumer customusiness clients

uity

uity (£bn)

)

ns

ed cost

mers

12


£m1,704

6532,357(563

1,794(961

(56(1,017

18795566

As at 30.06.15£bn

36.941.9

7.740.3


2.4%1.9%

29.9m343,000£145bn

22.9%5.0

18.2%6.3

43%293

d Half ye5

m 4 3 7 )

4 ) ) )

8 5 6

5 As atn 9 9 7 3

d Half ye5

% % m 0 n

% 0 % 3 % 3

ear ended

30.06.14

£m

1,500

624

2,124 (537)

1,587 (822)

(36)

(858)

35

764 539

t 31.12.14 A£bn

36.6 41.3

7.3 39.9

ear ended

30.06.14

2.4%

1.9%

27.8m

352,000

£124bn

23.6%

4.6

18.9%

5.7

40%

311

YoY

% Change

14 5

11 (5)

13 (17)

(56)

(19)

(49)

4 5

As at 30.06.14

£bn

33.2 36.2

5.9 37.7

Results by

Barclays PLC

Barclayca

Income stat

Profit befoof 11% toin stable 3result of base incre(H114: 18

Total incoagainst G

Net intermaintaine

Net fee, cpartially o

Credit impperiod. De

Total opeachieve, tcosts and

Balance she

Loans and

Total asse

Customer

RWAs inc

y Business

C – 2015 Interim

ard

tement – H1

ore tax increaso £2,357m wit30-day delinqcontinued inveased across a8.9%)

ome increasedBP, partially of

est income ined at 9.05% (H

commission aoffset by the im

pairment charelinquency rat

erating expensthe appreciatio

d the non-recu

eet – 30 June

d advances to

ets increased 1

r deposits incr

creased £0.4bn

m Results

15 compared

sed 4% to £79th substantial uency rates an

vestment for gall geographies

d 11% to £2,3ffset by the im

ncreased 14%H114: 9.05%)

nd other incompact of chang

rges increasedtes remained s

es increased 1on of averagerrence of a VA

e 2015 comp

customers inc

1% to £41.9bn

eased 5% to £

n to £40.3bn p

d to H114

95m. The diverbusiness grownd a falling loa

growth, as loas over the sam

357m driven bmpact of rate ca

% to £1,704m

ome increasedges to Europea

d 5% to £563mtable and the

19% to £1,017e USD againstAT refund in H

ared to 31 D

creased 1% to

n mainly due to

£7.7bn driven b

primarily driven

13

rsified consumwth in US cardsan loss rate. Ans and advan

me period. Ret

y business groapping from E

m driven by b

5% to £653man Interchange

m with loans aloan loss rate

7m due to cont GBP and the114

December 20

£36.9bn with

o the increase

by the deposit

n by growth in

mer and merchs. The continu

Although total ces increasedurn on averag

owth in US cauropean Interc

business grow

m due to growe Fee Regulatio

and advances gimproved 18b

ntinued investe impact of on

014

balance grow

in loans and a

ts funding strat

n loans and adv

ant business mued focus on ri operating exp 11% from Jue equity conti

ards and the achange Fee Re

wth, whilst the

wth in US caron

growth of 11%ps to 293bps

tment in businne-off items, i

wth in US cards

advances to cu

tegy in the US

vances to cust

model led to inisk managemepenses increasune 2014 and nued to be str

ppreciation ofegulation

e net interest

rds and Busin

% to £36.9bn o

ness growth, hincluding certa

s

ustomers

tomers

ncome growthent is reflectedsed, this was a the customerrong at 18.2%

f average USD

t margin was

ess Solutions,

over the same

higher costs toain marketing

h d a r

%

D

s

,

e

o g

Results by

Barclays PLC

Africa BanIncome statNet interest incNet fee, commTotal income Net claims andTotal income nCredit impairmNet operating Operating expeCosts to achievTotal operatingOther net incomProfit before taAttributable pr


Constant cuLoans and advaTotal assets Customer depoRisk weighted a

Key facts Average LTV oAverage LTV o


1 Constant cur

impact of mo2 Calculated o

y Business

C – 2015 Interim

nking

tement inforcome ission and other

d benefits incurrenet of insurance

ment charges andincome enses ve g expenses me ax ofit


osits assets

urrency1

ances to custom

osits assets

f mortgage lendf new mortgage

ce measures


rage equity ted equity (£bn)atio (bps)

rrency results are ovement in the exc

on the balance wei

m Results

rmation

r income

ed under insurane claims d other provision

ion

mers at amortise

mers at amortise

ding2 e lending2

uity

uity (£bn)

)

calculated by convchange rate betweighted basis.

nce contracts

ns

ed cost

ed cost

verting ZAR resultseen the reporting p

14

s into GBP using thperiods.


£m1,068

8711,939

(811,858(193

1,665(1,116

(13(1,129

4540208

As at 30.06.15

£bn

33.854.034.436.4

33.854.034.436.4

Half year ended

30.06.1559%76%

14.0%3.0

10.3%4.0

61%105

he 30 June 2015 ex

d Half ye5

m 8

9 )

8 )

5 ) ) )

4 0 8

5 As at

n

8 0 4 4

8 0 4 4

d Half ye

5 % %

% 0 % 0 % 5

xchange rate for th

ear ended 30.06.14

£m 1,007

850 1,857

(84) 1,773 (196)

1,577 (1,082)

(17) (1,099)

6 484 181

t 31.12.14 A

£bn

35.2 55.5 35.0 38.5

33.2 52.2 33.1 36.3

ear ended

30.06.14 61% 75%

13.3% 2.7

9.6% 3.8

62% 110

he balance sheet t

YoY

% Change 6 2 4 4 5 2 6

(3) 24 (3)

(33) 12 15

As at 30.06.14

£bn

33.8 52.4 33.2 36.5

32.1 49.9 31.6 34.7

to eliminate the

Results by

Barclays PLC

Africa Ban

Income stat

Based onsignificandiscussion

Profit befcontinuedgrowth intrading ppartially o

Total inco

– Net inCorpobusinecurrenincom

– Net feSouth

Credit im105bps dincreased

Total opeinvestmentechnolog

Balance she

Based ondeteriorattherefore,

Loans andRBB, whic

Total asse

Customer

RWAs inc

y Business

C – 2015 Interim

nking

tement – H1

n average ratent contributor n of business p

fore tax incread progress on n corporate berformance. P

offset by a sma

ome net of insu

nterest incomorate and Invesesses. Net intency matched f

me recognised

ee, commissionh Africa, partial

pairment chariven by reduc

d impairments

erating expennt spend on kgy

eet – 30 June

n closing ratetion was a sig, the discussio

d advances to ch included a m

ets increased 3

r deposits incr

creased £0.1bn

m Results

15 compared

es, ZAR depreto the movem

performance b

ased 12% to £ the retail bananking and W

Performance oall reduction in

urance claims

e increased 6stment Bankinerest margin ifunding. This hin net fee, com

n and other inlly offset by low

rges were broced impairmen in CIB and add

ses increasedkey initiatives,

e 2015 comp

s, ZAR depregnificant contrn of business

customers incmodest reduct

3% to £54.0bn

eased 4% to £

n to £36.4bn p

d to H114

eciated againsment in the rebelow is based

£540m reflectnking turnarouWealth, Investmoutside of Soun growth in cor

increased 5%

6% to £1,068ng (CIB) and gncreased 10bhas resulted in

mmission and o

come increasewer hedging in

oadly in line ants in the Soutditional covera

d 3% to £1,1partially offset

ared to 31 D

eciated againsributor to the performance b

creased 2% totion in the Sou

n primarily due

£34.4bn reflect

primarily driven

15

t GBP by 2%eported incom

d on reported r

ting strong ground in South Ament Manage

uth Africa showrporate bankin

% to £1,858m

m driven by growth in custps to 5.97% a

n an improvemother income

ed 2% to £871ncome

at £193m (H1th Africa mortgage on perform

29m reflectint by savings fr

December 20

st GBP by 6%movement in

below is based

o £33.8bn drivuth Africa mort

e to the increas

ting strong gro

n by growth in

% in H115 agame statement results in GBP

owth in RetailAfrica. Performement and Inswed strong grng

higher averagtomer depositsas CIB continu

ment in net int

1m mainly ref

14: £196m) agages portfolio

ming loans

ng inflationaryrom strategic

014

% at 30 June n the reported d on results on

ven by strong Ctgages portfoli

se in loans and

owth in the RB

n loans and adv

ainst H114. Thresults of Afr

l and Businessmance in Soutsurance (WIMrowth in tradi

ge loans and s in the South ued the strateterest income

lecting increas

and the loan lo and business

y impacts on cost program

2015 against balance shee

n a constant cu

CIB growth in io

d advances to

BB South Africa

vances to cust

he deterioratiorica Banking;

s Banking (RBth Africa also

MI), partially ofng performan

advances to African RBB a

egy of replacin and a reducti

sed transactio

loss rate imprs banking, par

staff costs ames mainly in

t 31 Decembet results of Aurrency basis

South Africa a

customers an

a and Corpora

tomers

on was not atherefore, the

BB) due to theshowed goodffset by lower

nce and WIMI,

customers inand Corporateng swaps withon in hedging

nal revenue in

roved 5bps tortially offset by

and increasedn property and

ber 2014. TheAfrica Banking;

and growth in

d banks

te businesses

a e

e d r ,

n e h g

n

o y

d d

e ;

n

Results by

Barclays PLC

InvestmenIncome statNet interest incNet trading incNet fee, commTotal income

Credit impairmNet operating Operating expeLitigation and cCosts to achievTotal operatingProfit before taAttributable pr

Balance sheLoans and advaTrading portfoDerivative finanDerivative finanReverse repurcTotal assets

Risk weighted a

PerformancReturn on averAverage allocatReturn on averAverage allocatCost: income ra

Analysis of Investment banLending Banking Credit Equities Macro Markets Banking & MarOther Total income

1 As at 30 Jun

£40.4bn (De2014: £19.9b

y Business

C – 2015 Interim

nt Bank

tement inforcome

ome

ission and other

ment (charges)/rincome

enses conduct ve

g expenses

ax

ofit

eet informatiances to banks alio assets

ncial instrumentncial instrumentchase agreement

assets

ce measures


rage equity


total incomenking fees

rkets

e 2015 loans and ecember 2014: £25bn), including sett

m Results

rmation

r income

releases and oth

ion

and customers a

t assets

t liabilities

ts and other sim

uity

uity (£bn)

)

e

advances included5.8bn) and cash c

tlement balances o

er provisions

at amortised cos

milar secured len

d £99.1bn (Decemcollateral of £28.6of £5.9bn (Decemb

16

st1

nding

mber 2014: £86.4bn6bn (December 20ber 2014: £2.7bn) a


£m276

2,4231,6004,299

(14,298

(2,738(57(63

(2,8581,440

761

As at 30.06.15£bn

123.181.8

118.5127.7

58.4420.1115.3


10.9%14.2

10.2%15.166%

£m1,135

2051,340

5461,2351,1782,9594,299

-4,299

n) of loans and adv14: £32.2bn) and and cash collatera

d Half ye5

m 6 3 0 9 )

8 ) ) ) )

0

5 As atn

8 5 7 4

3

d Half ye5

% 2 %

%

m 5 5 0 6 5 8 9 9 - 9

vances to custome loans and advancal of £6.4bn (Decem

ear ended 30.06.14

£m 334

2,137 1,786 4,257

26 4,283

(2,848) (95)

(282) (3,225)

1,058 435

t 31.12.14 A£bn

106.3 94.8

152.6 160.6

64.3 455.7 122.4

ear ended 30.06.14

6.0% 14.7 5.7% 15.4 76%

£m 1,174

169 1,343

616 1,220 1,056 2,892 4,235

22 4,257

ers, including settleces to banks of £2mber 2014: £6.9bn

YoY

% Change (17)

13 (10)

1

- 4

40 78 11 36 75

As at 30.06.14 £bn

117.2 101.2 104.2 109.5

83.0 446.2 123.9

YoY

% Change (3) 21

- (11)

1 12

2 2

1

ement balances of24.0bn (Decembern).

f r

Results by

Barclays PLC

Investmen

Income stat

Profit befwhilst theGreece anresulted in

Total inco

– Bankin£1,13due to

– Marke

– Eqlow

– Mma

– Croff

Credit imp

Total opecosts andreduction

Balance she

Derivativeto increas

Trading p

Total asseassets anadvances

RWAs dec

y Business

C – 2015 Interim

nt Bank

tement – H1

fore tax increae re-sized Mand the Eurozon a return on a

ome increased

ng income w5m driven by

o lower fair val

ets income inc

quities increasewer income inacro increasedarket volatility

redit decreasedffset by increas

pairment char

erating expensd savings fromn in real estate

eet – 30 June

e financial instses in major fo

portfolio assets

ets decreasednd reverse rep to customers

creased 6% to

m Results

15 compared

ased 36% to £cro business

one. Higher incaverage equity

1% to £4,299

was in line at lower equity ulue losses on h

creased 2% to

ed 1% to £1,2 equity derivatd 12% to £1,

y d 11% to £54sed income in

ges were £1m

ses decreased m strategic cos infrastructure

e 2015 comp

trument assetsorward rate cur

s decreased 14

8% to £420.purchase agre and banks

o £115.3bn prim

d to H114

£1,440m. The benefited fromcome as well

y of 10.2% (H1

9m

£1,340m (H1underwriting ahedges

£2,959m

235m due to htives 178m due to

46m driven by credit flow tra

m (H114: releas

11% to £2,85st programme

e

ared to 31 D

s and liabilitiesrves

4% to £81.8bn

.1bn due to a ements, partia

marily driven b

17

Investment Bm increased mas a continue14: 5.7%)

114: £1,343mand financial a

igher income

higher incom

lower incomeading

se of £26m)

58m reflectinges including b

December 20

s decreased 22

n due to a decr

decrease in dally offset by

by risk reductio

Bank continuedmarket volatilited focus on d

m). Investmentdvisory fees. L

in equity finan

me in rates and

e in distressed

g lower costs business restru

014

2% to £118.5b

rease in equity

derivative fina an increase i

ons in the trad

d to build on ty in H115 refriving cost sa

t banking feeLending incom

ncing and cash

d currency pro

d credit and se

to achieve, a ucturing, syste

bn and 20% to

y securities

ncial instrumein settlement

ding book

its originationflecting uncervings and RW

income decrme increased 2

h equities, part

oducts, reflect

ecuritised prod

reduction in cem decommis

o £127.7bn res

ent assets, trabalances with

n led strategy,rtainty around

WA efficiencies

reased 3% to1% to £205m

tially offset by

ting increased

ducts, partially

compensationsioning and a

spectively, due

ading portfoliohin loans and

, d s

o m

y

d

y

n a

e

o d

Results by

Barclays PLC

Head OffiIncome statTotal income Credit impairmNet operating Operating expeLitigation and cCosts to achievTotal operatingOther net incom(Loss)/profit bAttributable (lo

Balance sheTotal assets Risk weighted a

Head Offi

Income stat

Loss befo

Total incoarising fro

Total opeto achieve

Balance she

Total asse

RWAs inc

y Business

C – 2015 Interim

ce

tement infor

ment charges andincome enses conduct ve g expenses me before tax oss)/profit

eet informati

assets

ce

tement – H1

ore tax of £62m

ome decreaseom the restruc

erating expense, partially offs

eet – 30 June

ets increased £

creased £1.9bn

m Results

rmation

d other provision

ion

15 compared

m moved from

ed £117m to cture of Group

es increased £set by the non-

e 2015 comp

£3.5bn to £52.

n to £7.5bn pri

ns

d to H114

a profit of £66

£42m due to subsidiaries a

£14m to £107-recurrence of

ared to 31 D

.6bn reflecting

imarily due to

18

Half

As

6m in H114

the non-recuand gains resul

7m due to costf H114 litigatio

December 20

g additional cas

reallocations o

f year ended

30.06.15 £m

42 (1)

41 (78)

(7)

(22)

(107)

4

(62)

(80)

s at 30.06.15

£bn 52.6

7.5

urrence of netlting from a lia

ts relating to son and conduc

014

sh held to mee

of Group-wide

Half year e 30.

As at 31.

t gains from ability manage

structural refoct charges

et daily treasur

e market and o

ended .06.14

£m 159

- 159 (37) (54)

(2) (93)

- 66 30

.12.14 £bn

49.1 5.6

foreign exchament exercise

rm and an inc

ry operational

operational risk

As at 30.06.14 £bn

43.3 7.6

ange recyclinge in H114

crease in costs

settlements

k

g

s

Results by

Barclays PLC

Barclays NIncome statNet interest incNet trading incNet fee, commTotal income

Net claims andTotal income nCredit impairmNet operating Operating expeLitigation and cCosts to achievTotal operatingOther net incomLoss before taxAttributable los

Balance sheLoans and advaLoans and advaTrading portfoDerivative finanDerivative finanReverse repurcTotal assets

Customer depoRisk weighted aLeverage expos

PerformancReturn on averAverage allocatReturn on averAverage allocatPeriod end allo

Analysis of totBusinesses

Securities and Derivatives

Total income n

1 As at 30 Ju

of £1.0bn (2014: £12.3

2 Return on aGroup retur

y Business

C – 2015 Interim

Non-Core

tement inforcome

ome

ission and other


ment charges andincome

enses

conduct ve

g expenses me/(expenses)

x

ss

eet informatiances to banks aances to customlio assets

ncial instrumentncial instrumentchase agreement

osits

assets sure

ce measures


rage equity2

ted equity (£bn)ocated equity (£b

tal income net o

Loans

net of insurance

une 2015 loans and(December 2014: £3bn) (including seaverage equity anrns and Barclays C

m Results

rmation

r income

ed under insurane claims

d other provision

ion

and customers amers at fair value

t assets

t liabilities

ts and other sim

uity2

uity (£bn)

)

bn)

of insurance cla

e claims

d advances include£1.6bn) and cash ttlement balances

nd average tangiblCore returns. This d

nce contracts

ns

at amortised cose

milar secured len

ims

ed £42.7bn (Decem collateral of £18.0s of £0.2bn (Decemle equity for Barcladoes not represent

19

st1

nding

mber 2014: £51.6b0bn (December 20

mber 2014: £0.3bn)ays Non-Core reprt the return on ave


£m128

(250331209

(16742

(375

(453(45(23

(5214

(512(402

As at 30.06.15£bn

53.917.011.6

220.9213.6

15.6338.2

19.656.6

166.3

Half year ended

30.06.15(4.3%

9.7(3.4%

9.88.3

£m275

(115(118

42

bn) of loans and a014: £22.1bn) and) and cash collaterresents its impact erage equity and a

d Half ye5

m 8 )

9 )

2 )

5 ) ) ) )

4 ) )

5 As atn 9 0 6 9 6 6 2 6 6 3

d Half ye

5 )

7 )

8 3

m 5 ) )

2

advances to customd loans and advancral of £10.5bn (De on the Group, bei

average tangible eq

ear ended

30.06.14

£m

183

116

514

813 (155)

658 (149)

509 (860)

(33)

(41)

(934)

(66)

(491)

(464)

t 31.12.14 A£bn

63.9 18.7 15.9

285.4

277.1

49.3 471.5

21.6 75.3

277.5

ear ended

30.06.14

(6.0%)

14.2 (4.5%)

14.5 12.7

£m

546

153

(41)

658

mers (including seces to banks of £1

ecember 2014: £11ing the difference quity of the Non-C

YoY % Change

(30)

(36) (74)

(8) (94)

75 (99)

47 (36)

44 44

(4) 13

As at 30.06.14 £bn

75.5 17.0 22.9

227.0 215.0

86.8 468.6

28.6 87.5

381.7

YoY

% Change (50)

(94)

ettlement balances11.2bn (December1.3bn)). between Barclays

Core business.

s r

s

Results by

Barclays PLC

Barclays N

Income stat

Loss beforunning dfrom Dece

Total inco

– Businerun-do

– Securportfolitigat

– Derivavalue

Credit imEurope

Total opeand sever

Balance she

Loans andrun-off of

Trading p

Derivativeby increas

Total asseother sim

Leverage

RWAs deccredit pro

y Business

C – 2015 Interim

Non-Core

tement – H1

ore tax increasdown businessember 2014

ome net of insu

esses income own of legacy

ities and loansolio of £175mion provision

atives income movements

pairment cha

erating expensral principal inv

eet – 30 June

d advances to f assets and a

portfolio assets

e financial instses in major fo

ets decreased ilar secured le

exposure redu

creased £18.7oducts. Period

m Results

15 compared

sed 4% to £5ses, securities

urance claims

reduced 50% y portfolio asse

s income reduc (H114: £29m

reduced £77m

rges reduced

ses improved 4vestment busi

e 2015 comp

banks and cureduction in ca

s reduced 27%

trument assetsorward rate cu

28% to £338nding, loans a

uced 40% to £

bn to £56.6bnend allocated

d to H114

12m. Barclays and derivativ

reduced 94%

to £275m duets

ced £268m to m) and the ac

m to an expen

75% to £37m

44% to £521mnesses

ared to 31 D

ustomers reducash collateral b

% to £11.6bn d

s and liabilitiesrves and the u

8.2bn with redand advances t

£166.3bn drive

n including the equity decreas

20

s Non-Core (Bve assets durin

to £42m

ue to the impa

an expense oftive run-down

se of £118m r

m due to the

m reflecting sa

December 20

ced 16% to £5balances

due to the sale

s both decreasunwinding of t

duced derivativto banks and c

en by a reducti

e sale of the Spsed £2.7bn to

BNC) continueng H115. RWA

ct of the sale

f £115m priman of securities

reflecting the a

sale of the Sp

avings from th

014

53.9bn due to

and run-down

sed 23% to £2rade positions

ve financial ascustomers, and

on in derivativ

panish busines £8.3bn

ed to make goAs reduced a f

of the Spanish

arily due to fais, partially offs

active run-dow

panish busines

he exit of the S

a reduction in

n of legacy por

220.9bn and £2s

sets, reverse rd trading portf

ves and reverse

ss and run dow

ood progress further £18.7b

h business and

ir value losses set by a £91m

wn of the port

ss and higher

Spanish, UAE,

n Europe retail

rtfolio assets

213.6bn respe

repurchase agfolio assets

e repurchase a

wn of legacy s

in exiting andbn to £56.6bn

d the sale and

on the ESHLAm release of a

tfolios and fair

r recoveries in

commodities,

l driven by the

ectively, driven

reements and

agreements

structured and

d n

d

A a

r

n

,

e

n

d

d

Quarterly

Barclays PLC

Barclays resAdjusted basisTotal income nCredit impairmNet operating Operating expeLitigation and cCosts to achievUK bank levy

Total operatingOther net (expeAdjusted profi Adjusting itemOwn credit

Gain on US LehESHLA valuatioGain on valuatiretirement benProvisions for olitigation primaProvisions for UGoodwill impaiLoss on sale ofStatutory profiTax (charge)/cStatutory profi

Attributable toOrdinary equityOther equity hoNon-controlling

Balance sheet Total assets

Risk weighted a

Adjusted perfoReturn on averAverage tangibReturn on averAverage sharehCost: income raLoan loss rate (Basic earnings/

Statutory perfoReturn on averAverage tangibReturn on averAverage sharehCost: income raBasic earnings/

1 Q115 adjust

customer red2 RWAs are on

tangible equamendment

Results Su

C – 2015 Interim

sults by quars


income

enses

conduct

ve

g expenses

enses)/income

t before tax

ms

hman acquisitionon revision

ion of a componefit liability

ongoing investigarily relating to FUK customer redirment

f the Spanish buit/(loss) before credit

it/(loss) after ta

o:

y holders of the olders

g interests

information

assets

ormance measurage tangible shable shareholdersrage shareholderholders' equity (atio

(bps)

/(loss) per share

ormance measurage tangible shable shareholdersrage shareholderholders' equity (atio

/(loss) per share

ted total operatingdress to aid compan a CRD IV fully loa

uity are shown on ats to IAS32, Financ

ummary

m Results

rter

claims

d other provision

n assets

nent of the defin

gations and Foreign Exchangdress

siness

tax

ax

parent

ures

areholders' equits' equity (£bn)

rs' equity

£bn)

e

ures

areholders' equits' equity (£bn)

rs' equity

£bn)

e

g expenses and proarability with Q215aded basis. CRD IVan estimated CRD cial Instruments: Pr

Q215

£m

6,552

ns (496)

6,056 (3,897)

(77)

(196)

-

(4,170)

(37)

1,849

282

496

- ned

-

ge -

(850)

- -

1,777 (394)

1,383

1,146

79 158

£bn 1,196.7

376.7

ty 9.1%

47.7 7.8%

56.0 64%

41 6.5p

ty 9.8%

47.2 8.4%

55.5 68%

7.0p

ofit before tax has 5.

V rules came into e IV basis. Balance sresentation; theref

21

Q1151 £m

6,430

(477)

5,953

(3,915) ((57)

(120)

-

(4,092) (419

1,880

128

-

-

429

(800)

(182)

-

(118)

1,337 (1(612)

725 (1

465 (80

180

£bn

1,416.4 1,395.9

9.0%

48.7

7.7%

57.0

64%

37

6.6p

4.0% (148.1

3.4% (156.3

71%

2.9p (

been revised to ac

effect in Q413; thersheet comparativefore no Q313 comp

Q414 Q31£m £m

6,018 6,378(573) (509

5,445 5,8693,942) (3,879(140) (98(339) (332(462)

4,883) (4,3091 30

563 1,590

(62) 44- 461

(935)

-

(750) (500

(200) (10-

(82) (3641,466) 1,221

85 (6011,381) 620

1,679) 37980 80

218 161

£bn £b,357.9 1,365.7401.9 412.9

1.7% 7.1%48.9 47.61.5% 6.1%57.1 55.681% 68%

48 421.3p 5.2

3.8%) 3.4%48.3 46.8

1.8%) 2.9%56.4 54.8

116% 70%10.2p) 2.4

ccount for the recla

refore no Q313 coe figures have alsoparative is availab

4 Q214 m £m

8 6,682 9) (538) 9 6,144 9) (4,042) 8) (146) 2) (254) - -

9) (4,442) (0 (46) 0 1,656

4 (67) 1 - - -

- -

0) -

0) (900) - -

4) - 1 689 1) (298) 0 391

9 161 0 41 1 189

bn £bn 7 1,314.9 19 411.1

% 7.5% 6 47.5 % 6.4% 6 55.3 % 66% 2 44

2p 5.4p

% 1.4% 8 46.7 % 1.2% 8 54.5 % 81% 4p 1.0p

assification of £32

mparative is availao been restated froble.

Q114

Q4£m

6,650 6,6(548) (7

6,102 5,9(4,130) (4,5

(65) (2(240) (4

- (5(4,435) (5,7

26 1,693 1

119 (- -

-

-

- - (-

1,812 (597) (5

1,215 (5

965 (649

201 1

£bn £,362.1 1,34436.3 44

7.6% (3.447.2 46.5% (2.954.8 567% 8

45 5.5p (2.

8.4% (5.546.4 47.2% (4.754.0 566% 86.0p (4.

2m of charges relat

able. Average allocm Q413 to adopt

413 Q3132 £m £m

639 6,445 718) (722) 921 5,723 500) (4,223) 277) (39) 468) (101) 504) -

49) (4,363) 19 25 91 1,385

(95) (211) - - - -

- -

- -

- - (79) -

- - 17 1,174

531) (446) 14) 728

642) 511 - -

128 217

£bn £bn 3.6 n/a 2.5 n/a

4%) 6.7% 7.1 43.5 9%) 5.7% 4.9 51.3

87% 68% 59 58

.8p) 5.4p

5%) 4.8% 6.3 42.8 7%) 4.0% 4.1 50.6

89% 70% .5p) 3.8p

ting to UK

cated equity and the offsetting

Quarterly

Barclays PLC

Barclays CoIncome statTotal income nCredit impairmNet operating Operating expeLitigation and cCosts to achievUK bank levy

Total operatingOther net (expeProfit before taAttributable pr

Balance sheTotal assets

Risk weighted a


1 Q115 adjust



Results Su

C – 2015 Interim

ore

tement infornet of insurance


enses

conduct

ve

g expenses

enses)/income

ax

ofit

eet informati

assets

ce measures rage tangible equted tangible equ

rage equity ted equity (£bn)atio


uity are shown on ats to IAS32, Financ

ummary

m Results

rmation

claims

d other provision

ion

uity uity (£bn)

)

g expenses and proarability with Q215aded basis. CRD IVan estimated CRD cial Instruments: Pr

Q215

£m6,520

ns (488)6,032

(3,663)(41)

(184)-

(3,888)(39)

2,105 1,273

£bn858.5 320.1

13.3%38.6

11.0%46.7 60%



22

Q1151

£m

6,420

(448)

5,972

(3,696)

(48)

(109)

-

(3,853)

17

2,136

1,284

£bn

949.6

331.1

13.5%

38.5

11.1%

46.7

60%

been revised to ac


Q414 Q3

£m £5,996 6,00(571) (49

5,425 5,5(3,614) (3,55

(56) (1(298) (20(371)

(4,339) (3,779

1,095 1,74638 1,00

£bn £886.5 899326.6 331

7.0% 11.537.0 355.8% 9.545.0 4372% 63



314 Q214

£m £m 08 6,397 92) (456) 16 5,941 57) (3,602) 16) (136) 02) (237)

- - 75) (3,975)

6 27 47 1,993 02 1,171

£bn £bn 9.3 846.3 1.9 323.6

5% 13.8% 5.2 34.0 5% 11.3% 3.0 41.6 3% 62%



Q114

£m 6,277 6(481)

5,796 5(3,710) (4

(43) (216)

- (3,969) (4

20 1,847 1,053

£bn 863.7 8330.3 3

13.2% 32.2

10.7% 39.6 63%

2m of charges relat


Q413 Q3132

£m £m6,189 6,076(542) (554

5,647 5,5224,045) (3,758

(69) (18(365) (84(395) -

4,874) (3,86015 15

788 1,677601 1,009

£bn £bn832.4 n/332.6 n/

7.6% 15.1%31.4 26.76.2% 11.8%38.9 34.279% 64%

ting to UK


2

m 6 4) 2 8) 8) 4) -

0) 5 7 9

n a a

% 7 % 2 %

Quarterly

Barclays PLC

Barclays NoIncome statBusinesses

Securities and Derivatives

Total income nCredit impairmNet operating Operating expeLitigation and cCosts to achievUK bank levy

Total operatingOther net incomLoss before taxAttributable los

Balance sheLoans and advaamortised costLoans and advaTrading portfoDerivative finanDerivative finanReverse repurcsecured lendingTotal assets

Customer depoRisk weighted a

PerformancReturn on averAverage allocatReturn on averAverage allocatPeriod end allo

1 RWAs are on


2 Return on avGroup return

Results Su

C – 2015 Interim

on-Core tement infor

Loans

net of insurancement charges and

income/(expenenses

conduct

ve

g expenses me/(expense)

x

ss

eet informatiances to banks at

ances to customlio assets

ncial instrumentncial instrumentchase agreementg

osits

assets

ce measures


rage equity2

ted equity (£bn)ocated equity (£b

n a CRD IV fully loauity are shown on ats to IAS32, Financverage equity and ns and Barclays Co

ummary

m Results

rmation

e claims

d other provisionnse)

ion

and customers a

mers at fair value

t assets

t liabilities

ts and other sim

uity2

uity (£bn)

)

bn)

aded basis. CRD IVan estimated CRD cial Instruments: Pr average tangible eore returns. This do

Q215

£m153 (42)(79)32

ns (8)24

(234)(36)(12)

- (282)

2 (256)(203)

£bn

at 53.9

e 17.0 11.6

220.9 213.6

milar 15.6

338.2 19.6 56.6

(4.2%)9.1

(3.2%)9.3 8.3

V rules came into e IV basis. Balance sresentation; therefequity for Barclaysoes not represent t

23

Q115 £m 122 (73) (39) 10 (29) (19) (219) (9) (11) - (239) 2 (256) (199)

£bn

65.6

18.5 14.6 301.9 295.6

42.8

466.8 20.5 64.8

(4.5%) 10.2 (3.4%) 10.3 9.7

effect in Q413; thersheet comparativefore no Q313 comps Non-Core represethe return on aver

Q414 Q3

£m £228 3

(142) 10(64) (622 37(2) (120 35

(329) (32(83) (8(41) (13(91)

(544) (53(8)

(532) (15(448) (17

£bn £

63.9 64

18.7 1815.9 19

285.4 249277.1 240

49.3 73

471.5 46621.6 2275.3 81

(5.3%) (4.411.9 12

(4.3%) (3.412.1 1211.0 12

refore no Q313 coe figures have alsoparative is availabents its impact on rage equity and ave

314 Q214

£m £m 27 245 06 66 63) (26) 70 285 17) (82) 53 203 21) (441) 82) (10) 30) (17)

- - 33) (468) 23 (72) 57) (337) 73) (294)

£bn £bn

4.5 75.5

8.1 17.0 9.2 22.9 9.6 227.0 0.0 215.0

3.9 86.8

6.5 468.6 2.2 28.6 1.0 87.5

%) (6.3%) 2.4 13.5 %) (4.9%)

2.6 13.7 2.1 12.7

mparative is availao been restated froble. the Group, being t

verage tangible equ

Q114

£m 301

87 (15) 373 (67) 306

(419) (23) (24)

- (466)

6 (154) (171)

£bn

83.4

17.5 29.4

231.5 2220.9 2

98.3

498.4 530.7

106.0

(5.6%) (115.0

(4.2%) (15.2 14.9


the difference betwuity of the Non-Co

Q413 Q313

£m £m322 354121 60

7 (46450 368

(176) (168274 200

(456) (464(208) (21(103) (17(109) -(876) (502

4 10(598) (292(997) (274

£bn £bn

81.9 n/

17.6 n/30.7 n/

239.3 n/228.3 n/

104.7 n/

511.2 n/29.3 n/

109.9 n/

1.0%) (8.4%15.7 16.8

9.1%) (6.1%16.0 17.115.1 16.3


ween Barclays re business.

1

m 4 0 6) 8 8) 0 4)

) 7) -

2) 0 2) 4)

n

a

a a a a

a

a a a

%) 8

%) 1 3

Quarterly

Barclays PLC

Personal anIncome statTotal income Credit impairmprovisions

Net operating Operating expeLitigation and cCosts to achievUK bank levy

Total operatingOther net (expeProfit before taAttributable pr

Balance sheLoans and advaamortised costTotal assets



Analysis of totPersonal Corporate

Wealth

Total income

Analysis of loacustomers at aPersonal

Corporate

Wealth

Total loans andamortised cost

Analysis of cusPersonal Corporate

Wealth

Total custome

1 Q115 adjust


tangible equ

Core Resu

C – 2015 Interim

nd Corporatetement infor

ment charges and

income

enses conduct ve

g expenses enses)/income

ax

ofit

eet informatiances to customt

osits

assets

ce measures


rage equity


(bps)

tal income

ans and advanceamortised cost

d advances to ct

stomer deposits

r deposits


uity are shown on a

ults by Bus

m Results

e Banking rmation

d other

ion

mers at

uity

uity (£bn)

)

es to

customers at

s

g expenses and proarability with Q215aded basis. CRD IVan estimated CRD

siness

Q215 Q1

£m

2,210 2,1

(99) (

2,111 2,0(1,232) (1,2

(23)

(97) (-

(1,352) (1,2(50)

709 8500 6

£bn £

217.5 21

289.9 29298.5 29120.6 12

14.9% 17.13.6 1

11.2% 13.18.1 161% 5

18

£m

1,005 1,0970 9235 2

2,210 2,1

£bn £137.8 13

66.0 613.7 1

217.5 219

146.3 14120.3 12

31.9 3298.5 298


V rules came into e IV basis.

24

151 Q4

£m £174 2,23

(79) (12

095 2,10234) (1,20

(2) (1(42) (19

- (778) (1,48

2

819 62602 44

£bn £

9.0 217

4.1 2858.1 2992.5 120

.8% 13.33.6 13.4% 10.08.1 17

59% 6714 2

£m £009 1,04907 92258 26

74 2,23

£bn £7.5 1366.5 655.0 15

9.0 217

5.3 1450.9 1221.9 318.1 299

been revised to ac

effect in Q413; ther

414 Q314

£m £m 31 2,236

23) (129)

08 2,107 04) (1,222) 15) (10) 95) (90) 70) - 84) (1,322)

4 4 28 789 41 578

£bn £bn

7.0 215.7

5.0 275.7 9.2 295.9 0.2 120.0

3% 17.8% 3.4 13.1 0% 13.4% 7.8 17.5 7% 59% 22 23

£m £m 45 1,061 22 902 64 273 31 2,236

£bn £bn 6.8 136.5 5.1 63.1 5.1 16.1

7.0 215.7

5.8 143.0 2.2 120.7

.2 32.2 9.2 295.9


refore no Q313 co

Q214 Q

£m 2,188 2

(95) (

2,093 2,(1,247) (1,

(9) (58)

- (1,314) (1,

1 780 559

£bn

216.7 2

268.1 2298.3 2117.9 1

17.5% 1412.9

13.1% 1117.2 60%

17

£m 1,027 1

889 272

2,188 2,

£bn 135.9 1

64.8 16.0

216.7 2

141.6 14123.7 1

33.0 298.3 29


mparative is availa

Q114 Q

£m ,173 2,1

(135) (1

,038 1,9,278) (1,3(20) ((57) (2

- (355) (1,6

5 688 3480 2

£bn

15.5 21

71.5 2797.2 2916.1 11

4.7% 813.1 11.1% 617.4 162% 7

25

£m ,026 1,0879 8268 2

,173 2,1

£bn 34.9 1364.2 616.4 1

15.5 21

41.3 1420.9 1135.0 397.2 29

2m of charges relat

able. Average alloc

413 Q3132

£m £m 166 2,252

169) (153)

997 2,099 371) (1,313) (17) (5) 219) (73) (66) -

673) (1,391) 3 1

327 709 281 518

£bn £bn

2.2 210.1

78.5 278.3 95.9 289.3

8.3 n/a

.6% 15.4% 3.1 13.5 .5% 11.8% 7.4 17.6

77% 62% 31 28

£m £m 037 1,033 866 956 263 263 166 2,252

£bn £bn 33.8 132.7 62.5 62.5

5.9 14.9

2.2 210.1

40.5 139.2 8.5 114.5

36.9 35.6 95.9 289.3

ting to UK

cated equity and

Quarterly

Barclays PLC

BarclaycardIncome statTotal income

Credit impairmprovisions


Total operatingOther net incomProfit before taAttributable pr




1 RWAs are on

tangible equ

Core Resu

C – 2015 Interim

d tement infor

ment charges and

income

enses conduct ve

g expenses me

ax

ofit


osits

assets

ce measures


rage equity


(bps)

n a CRD IV fully loauity are shown on a

ults by Bus

m Results

rmation

d other

ion

mers at

uity

uity (£bn)

)

aded basis. CRD IVan estimated CRD

siness

Q215 Q1

£m

1,222 1,1

(273) (2

949 8(496) (4

- (31) (

-

(527) (47

429 3307 2

£bn £

36.9 3

41.9 47.7

40.3 3

24.9% 21.5.0

19.7% 16.6.3

43% 4283 3

V rules came into e IV basis.

25

115 Q4

£m £135 1,10

290) (36

845 74465) (45

-

(25) (5- (2

90) (5311

366 21259 13

£bn £

6.8 36

2.4 418.0 79.9 39

.0% 11.25.0 4.6% 9.06.3 6

43% 48305 37

effect in Q413; ther

414 Q314

£m £m 09 1,123

62) (284)

47 839 56) (449)

- - 50) (32) 29) - 35) (481)

1 4 13 362 37 262

£bn £bn

6.6 34.8

.3 38.9 7.3 6.5 9.9 38.6

2% 21.8% 4.9 4.8 0% 17.5% 6.2 6.0 8% 43% 74 309

refore no Q313 co

Q214 Q

£m 1,082 1

(268) (

814 (420) (

- (23)

- (443) (

25 396 285

£bn

33.2

36.2 5.9

37.7

24.7% 224.6

19.7% 185.8

41% 309

mparative is availa

Q114 Q

£m ,042 1,0

(269) (2

773 7(402) (4

- ((13) (

- (415) (5

10 368 2254 1

£bn

31.9 3

35.0 35.8

36.4 3

2.6% 164.5

8.2% 125.6

40% 5325 3

able. Average alloc

413 Q3131

£m £m 034 1,050

266) (290)

768 760 446) (442) (11) (13) (38) (6) (22) -

517) (461) 5 12

256 311 169 214

£bn £bn

31.5 30.4

34.4 33.4 5.1 4.7

35.7 n/a

.1% 20.2% 4.2 4.2 .7% 15.9% 5.3 5.4

50% 44% 320 360

cated equity and

Quarterly

Barclays PLC

Africa BankIncome statTotal income nCredit impairmprovisions






Constant cuIncome statTotal income nCredit impairmprovisions





1 RWAs are on2 Constant cur

the income sthe reporting

Core Resu

C – 2015 Interim

king tement infornet of insurance

ment charges and

income

enses conduct ve

g expenses

me

ax

ofit


osits

assets

ce measures


rage equity


(bps)

urrency2

tement infornet of insurance

ment charges and

income

enses conduct ve

g expenses

me

ax

ofit


osits

assets

n a CRD IV fully loarrency results are statement and theg periods.

ults by Bus

m Results

rmation

claims

d other

ion

mers at

uity

uity (£bn)

)

rmation

claims

d other

ion

mers at

aded basis. CRD IV calculated by conve 30 June 2015 clos

siness

Q215 Q1

£m

910 9

(103) (

807 8(557) (5

- (7)

-

(564) (52

245 296 1

£bn £

33.8 3

54.0 534.4 336.4 3

13.2% 14.2.9

9.7% 10.3.9

62% 6112

£m

910 9

(103) (

807 8(557) (5

- (7)

-

(564) (52

245 296 1

£bn £

33.8 3

54.0 534.4 336.4 3

V rules came into everting ZAR resultssing exchange rate

26

115 Q4

£m £948 96

(90) (7

858 88559) (59

- ((6) (2

- (465) (65

2 295 22112 8

£bn £

5.7 35

7.8 555.0 359.3 38

.7% 11.93.1 2.8% 8.74.1 4

60% 6894 8

£m £

913 91

(87) (7

826 84539) (56

- ((6) (2

- (445) (63

2 283 21107 8

£bn £

3.7 33

4.6 523.0 337.0 36

effect in Q413; thers into GBP using the for the balance s

414 Q314

£m £m 63 928

79) (74)

84 854 90) (572) (1) (1) 23) (11) 45) - 59) (584)

3 2 28 272 88 91

£bn £bn

5.2 34.5

5.5 54.6 5.0 33.4 8.5 37.9

9% 13.1% 2.9 2.8 7% 9.5% 4.0 3.8 8% 63% 83 79

£m £m

19 906

75) (71)

44 835 64) (559) (1) (1) 22) (10) 45) - 32) (570)

3 1 15 266 83 88

£bn £bn

3.2 33.1

2.2 52.2 3.1 32.0 6.3 36.3

refore no Q313 cohe average exchansheet to eliminate t

Q214 Q

£m 895

(100)

795 (545) (

- (8)

- (553) (

2 244

78

£bn

33.8

52.4 33.2 36.5

11.3% 152.8

8.1% 113.8

62% 111

£m

870

(97)

773 (530) (

- (9)

- (539) (

2 236

80

£bn

32.1

49.9 431.6 34.7

mparative is availange rate for the thrthe impact of mov

Q114 Q

£m 878 9

(96) (1

782 8(537) (6

- (9) (

- (546) (6

4 240 2103

£bn

35.0 3

54.1 534.0 336.6 3

5.5% 42.7

1.1% 33.7

62% 6104 1

£m

851

(93)

758 (521)

- (8)

- 529)

4 233

99

£bn

32.1

49.7 31.3 33.6

able. ree months ended vement in exchang

413 Q3131

£m £m 980 1,004

104) (101)

876 903 616) (605)

- - (15) (2) (42) -

673) (607) - 3

203 299 30 104

£bn £bn

34.9 36.5

54.9 57.3 34.6 35.4 38.0 n/a

.2% 14.1% 2.8 3.0 .0% 10.0% 4.0 4.1

69% 60% 105 104

30 June 2015 for ge rates between

Quarterly

Barclays PLC

Investment Income statInvestment banLending

Banking

Credit Equities

Macro

Markets

Banking & MarOther

Total income

Credit impairmother provisionNet operating Operating expeLitigation and cCosts to achievUK bank levy

Total operatingProfit/(loss) bAttributable pr

Balance sheLoans and advaat amortised coTrading portfoDerivative finanDerivative finanReverse repurcsimilar securedTotal assets

Risk weighted a


1 RWAs are on


Core Resu

C – 2015 Interim

Bank tement infornking fees

rkets

ment (charges)/rns

income

enses conduct ve

g expenses

efore tax

ofit/(loss)

eet informatiances to banks aost

lio assets

ncial instrumentncial instrumentchase agreementd lending

assets

ce measures


rage equity


n a CRD IV fully loauity are shown on ats to IAS32, Financ

ults by Bus

m Results

rmation

releases and

ion

and customers

t assets

t liabilities

ts and other

uity

uity (£bn)

)

aded basis. CRD IVan estimated CRD cial Instruments: Pr

siness

Q215

£m

586

122

708 272

616

554

1,442 12,150 2

-

2,150 2

(12)

2,138 2(1,328) (1

(13)

(32)

-

(1,373) (1765 417

£bn

123.1 1

81.8 118.5 1127.7 1

58.4

420.1 5115.3 1

12.2%

13.9 11.5%

14.8 64%


27

Q115 Q4

£m 549 5

83 1632 6274 1619 4624 4

1,517 1,02,149 1,6

- 2,149 1,6

11

2,160 1,61,410) (1,3

(44) ((31) (

- (21,485) (1,6

675 344 (1

£bn £

134.4 10

99.1 94175.9 15186.0 16

58.0 64

509.6 45123.0 12

9.7% (3.914.5 149.1% (3.715.4 169% 9


414 Q314

£m £m 527 410

11 137 638 547

73 255 431 395 424 470 028 1,120 666 1,667

- (2) 666 1,665

(7) (5)

659 1,660 351) (1,305) (33) (1) (22) (70) 218) -

24) (1,376) 35 284 50) 112

£bn £bn

6.3 123.1

4.8 98.8 2.6 131.4 0.6 137.6

4.3 82.8

5.7 488.4 2.4 127.9

9%) 3.3% 4.7 14.2 7%) 3.1% 5.6 15.0

97% 83%


Q214

£m 661

66 727 270 629 504

1,403 12,130 2

24 2,154 2

7

2,161 2(1,357) (1

(85) (152)

- (1,594) (1

567 204

£bn

117.2 1

101.2 1104.2 109.5 1

83.0

446.2 4123.9 1

5.6% 14.8 5.3% 15.5 74%


Q114 Q4

£m 513 5103 616 6346 2591 4552 4

1,489 1,12,105 1,7

(2) 2,103 1,7

19

2,122 1,7,491) (1,5(10) (

(130) (- (2

,631) (1,9491 (13231 (

£bn £

129.7 104

101.2 9699.9 108

106.7 116

86.6 78

469.4 438125.2 124

6.4% (2.114.7 146.1% (2.015.4 1578% 10


413 Q3131

£m £m 571 526

68 42 639 568 231 308 421 524 494 457

46 1,289 85 1,857 (3) (6) 82 1,851

(6) (10)

76 1,841 75) (1,373) 31) - 71) (3) 36) - 13) (1,376) 37) 465 74) 283

£bn £bn

4.5 n/a

6.6 n/a 8.7 n/a 6.6 n/a

8.2 n/a

8.0 n/a 4.4 n/a

%) 7.5% 4.4 15.1 0%) 7.2% 5.1 15.7 7% 74%


Quarterly

Barclays PLC

Head OfficeIncome statTotal income/(Credit impairmother provisionNet operating Operating expeLitigation and cCosts to achievUK bank levy

Total operatingOther net incom(Loss)/profit bAttributable (lo

Balance sheTotal assets

Risk weighted aAverage allocatAverage allocat

1 RWAs are on


Core Resu

C – 2015 Interim

e tement infor(expenses)

ment (charges)/rns

income/(expenenses conduct ve

g expenses me/(expenses)

before tax

oss)/profit

eet informati

assets

ted tangible equted equity

n a CRD IV fully loauity are shown on ats to IAS32, Financ

ults by Bus

m Results

rmation

releases and

nses)

ion

uity

aded basis. CRD IVan estimated CRD cial Instruments: Pr

siness

Q215

£m

28

(1)

27 (50)

(5)

(17)

-

(72)

2

(43)

(47)

£bn

52.6 7.5 3.2 3.6


28

Q115 Q4

£m 14

-

14 (28) (

(2) (5)

- (35) (

2 (19) (33) 1

£bn £45.7 4

6.3 2.3 2.8


414 Q314

£m £m 27 56

- -

27 56 (11) (9)

(8) (4) (8) - (9) - 36) (13)

- (3) (9) 40 22 (41)

£bn £bn 9.1 41.5 5.6 7.5 1.1 0.3 1.4 0.7


Q214

£m 78

-

78 (34) (42)

5 -

(71) (1) 6

45

£bn 43.3

7.6 (1.1) (0.7)


Q114 Q4

£m 81 2

-

81 2(3) (

(12) ((7) (

- ((22) (9

1 60 1

(15) 1

£bn £33.7 2616.0 16(2.8) (3(2.5) (2


413 Q3131

£m £m 227 (81)

3 -

230 (81) 37) (25) 10) - 22) - 29) - 98) (25)

7 (1) 39 (107) 92 (110)

£bn £bn 6.6 n/a 6.2 n/a 3.1) (9.1) 2.9) (8.6)


Performa

Barclays PLC

Returns a

Returns on avholders of thinstruments) excluding nohas been calccapital deducpurposes. Heratio and 10assets. For Africa Ba(together witwell as the Basame basis, bstatutory equ

Return on averPersonal and CBarclaycard

Africa Banking

Investment BanBarclays Core Head Office imBarclays Core Barclays Non-CBarclays Group

Return on averPersonal and CBarclaycard

Africa Banking

Investment BanBarclays Core Head Office imBarclays Core Barclays Non-CBarclays Group

1 Return on av

respectively.

Profit/(loss) atequity holdersPersonal and CBarclaycard

Africa Banking


Barclays Core


nce Manag

C – 2015 Interim

nd equity

verage equity he parent (adj divided by an-controlling aculated as 10.5ctions, includinead Office equ.5%. Allocated

nking, the equth that of the arclays’ goodwbut excludes buity.

rage tangible eqCorporate Bankin

nk

excluding Headmpact1

Core impact1

p adjusted total

rage equity

Corporate Bankin

nk

excluding Headmpact1

Core impact1

p adjusted total

verage equity and This does not rep

ttributable to or of the parent

Corporate Bankin

nk

Core

p adjusted total

gement

m Results

by busines

and average tusted for the

average allocaand other equ5% of CRD IV fng goodwill anity includes thd tangible equ

uity used for reBarclays Egyp

will on acquisitboth the Barcla

quity

ng

d Office

l

ng

d Office

l

average tangible epresent the return o

rdinary

ng

l

ss

tangible equity tax credit rec

ated equity ority interests fofully loaded ris

nd intangible ahe unallocateduity is calcula

eturn on averapt and Zimbabtion of these bays’ goodwill o

equity for Head Ofon average equity

29

y are calculatecorded in reser average allo

or businesses, sk weighted asassets, reflectind Group equityated using the

age equity is Babwe businessebusinesses. Thon acquisition

ffice and Barclays N and average tang

d as profit for erves in respeocated tangiblapart from Afrssets for each ng the assumpy arising from e same metho

arclays’ share s which rema

he tangible equ and the good

H

H

Non-Core represengible equity of Head

H

the period attect of interest le equity for rica Banking (sbusiness, adju

ptions the Gro the differenceod, but exclud

of the statutoin outside theuity for return will and intan

Half year ended

30.06.15

%

16.4%

22.9%

14.0%

10.9%

14.9%

(1.5%)

13.4%

(4.3%)

9.1%

Half year ended

30.06.15

%

12.3%

18.2%

10.3%

10.2%

12.3%

(1.2%)

11.1%

(3.4%)

7.7%

nts their impact ond Office or the Non

Half year ended

30.06.15

£m

1,114

570

208

774

(83)

2,583 (396)

2,187

tributable to o payments onthe period as

see below). Alusted for CRD up uses for ca

e between thedes goodwill a

ry equity of the BAGL corpor on tangible eqgibles held wit

H

H

n Barclays Core ann-Core business.

H

ordinary equityn other equitys appropriate,located equityIV fully loaded

apital planninge CRD IV CET1and intangible

he BAGL entityrate entity), asquity uses thethin the BAGL


%16.1%23.6%13.3%

6.0%12.6%

0.9%13.5%(6.0%)

7.5%


%12.1%18.9%

9.6%5.7%

10.5%0.5%

11.0%(4.5%)

6.5%

nd the Group


£m1,044

540 181 441

31 2,237 (458)

1,779

y y ,

y d g

e

y s e L

d 4

% % % % % % % %

) %

d 4

% % % % % % % %

) %

d 4

m )

Performa

Barclays PLC

Average allocaPersonal and CBarclaycard

Africa Banking

Investment BanHead Office1

Barclays Core


Average allocaPersonal and CBarclaycard

Africa Banking


Barclays Core


Period end alloPersonal and CBarclaycard

Africa Banking


Barclays Core


1 Based on ris

equity and ta

nce Manag

C – 2015 Interim

ated tangible eqCorporate Bankin

nk

Core

p adjusted total

ated equity

Corporate Bankin

nk

Core

p adjusted total

ocated equity

Corporate Bankin

nk

Core

p adjusted total

sk weighted assetsangible ordinary sh

gement

m Results

quity

ng

l

ng

l

ng

l

s and capital deduhareholders’ equity

uctions in Head Oty.

30

Office and Other O

H

H

Operations, plus th

Half year ended

30.06.15

£bn

13.6 5.0 3.0

14.2 2.7

38.5 9.7

48.2

Half year ended

30.06.15

£bn

18.1 6.3 4.0

15.1 3.2

46.7 9.8

56.5

As at 30.06.15

£bn

17.9 6.3 3.9

13.7 5.2

47.0 8.3

55.3

he residual balance

H

H

e of average ordin


£bn13.0

4.6 2.7

14.7 (1.9)33.1 14.2 47.3


£bn17.3

5.7 3.8

15.4 (1.6)40.6 14.5 55.1

As at 31.12.14£bn

17.9 6.2 4.0

14.7 2.1

44.9 11.0 55.9

nary shareholders

d 4 n )

d 4 n )

4 n

’

Performa

Barclays PLC

Margins a

Personal and CBarclaycard Africa Banking Total PersonalBarclaycard anInvestment BanHead Office Core Barclays Non-CTotal net intere

Total PCB

– An incand A

– Net inCorposwitchhedge

Net interethe Groupto appropfunding a

Quarterly anal

Personal and CBarclaycard Africa Banking Total Personal

Personal and CBarclaycard Africa BankingTotal Personal

Personal and CBarclaycard Africa Banking Total Personal

Personal and CBarclaycard Africa Banking Total Personal 1 Q115 Net In

nce Manag

C – 2015 Interim

and balanc

Corporate Bankin

and Corporate

nd Africa Bankinnk

Core est income

B, Barclaycard a

crease in averaAfrica Banking

nterest marginorate Banking,hing and lowee contributions

est margin by bp of alternativepriately give crat a rate that is

ysis for PCB, Ba

Corporate Bankin

and Corporate

Corporate Bankin

1 and Corporate

Corporate Bankin

and Corporate

Corporate Bankin

and Corporate

nterest Income has

gement

m Results

ces

ng

Banking, ng

and Africa Ban

age customer

n increased 1, partially offsr Corporate des of £0.7bn (20

business reflece funding in wedit to busines driven by prev

arclaycard and A

ng

Banking, Barcla

ng

Banking, Barcla

ng

Banking, Barcla

ng

Banking, Barcla

s been revised by £

Half yea

Net interest income

£m 3,203 1,704 1,068

5,975 276

(178) 6,073

128 6,201

nking NII incre

assets to £28

1bps to 4.17set by the imebt margins. G014: £0.8bn)

cts movementwholesale mark

sses with net svailing market

Africa Banking:

aycard and Afri

aycard and Afri

aycard and Afri

aycard and Afri

£14m to accurately

31

ar ended 30.06.Average

customer assets

£m 214,906

37,967 36,096

288,969

ased 7% to 5,9

9.0bn (2014: £

7% primarily dmpact of morGroup NII incre

ts in the Groupkets. The internsurplus liquiditt rates and incl

ica Banking

ica Banking

ica Banking

ica Banking

ly reflect the classif

15

Net interest margin

% 3.01 9.05 5.97

4.17

975m due to:

£276.1bn) wit

due to higherrtgage margineased to £6.2b

p’s internal funnal funding ratty and to charludes a term p

Net int

in

1

3

1

2

1

2

1

2

fication of income

Half y

Net interest income

£m 3,057 1,500 1,007

5,564 334

1 5,899

183 6,082

th growth in P

r deposits man pressure frobn (2014: £6.1

nding rates whte prices intra-ge those busin

premium

Quarter endterest come

Average

£m

1,602

883

521

3,006

Quarter end1,601

821

547

2,969

Quarter end1,619

757

546

2,922

Quarter end1,622

787

540

2,949

across financial st

year ended 30.0

Average

customer assets

£m 208,160

33,410 34,574

276,144

PCB Mortgages

argins within om existing cbn) including

hich are based -group fundingnesses in need

ded 30.06.15

customer assets

£m 215,069

38,025 35,610

288,704

ded 31.03.15

214,645 37,909 36,603

289,157

ded 31.12.14

212,444 36,932 36,465

285,841

ded 30.09.14

210,859 35,308 35,026

281,193

tatement line item

06.14

Net interest margin

% 2.96 9.05 5.87

4.06

s, Barclaycard,

Personal andcustomer rate net structural

on the cost tog and liquidity

d of alternative

Net interest margin

% 2.99 9.31 5.87 4.18

3.02 8.78 6.06 4.18

3.02 8.13 5.94 4.06

3.05 8.84 6.12 4.16

ms.

,

d e l

o y e

Risk Mana

Barclays PLC

Risk mana

Barclays risk creates clearunderstood aand the operamaterial enogrouped into

Further detailwww.barclaythe close aligThere has beor expected f

While the riskagreement facapital markepositions, e.g

The followingand Market R

Funding & l

Whilst Barclaseparately atotherwise, alrequirements

Liquidity str

Compliance

Eligible liquidityNet stress outfSurplus

Liquidity pool Liquidity pool

Barclays manregulatory meRatio (LCR). Afor both the associated woccurred dur

Barclays estimby the BCBS i

1 Of the threecompares to

agement

C – 2015 Interim

agement a

managementr ownership aand managed iating effectiveugh to merit five Principal

l on these risksys.com/investognment betweeen no other sifor the remaini

ks to the Euroalter the potenets as well as l. Italy and Port

g section givesRisk for the per

iquidity

ays has a cot Barclays Afrl disclosures

s, BAGL’s liquid

ress testing

e with intern

y buffer

flows

as a percentageas a percentage

nages the Groetrics, such asAs at 30 June 30 day Barcl

with credit ratining Q215, the

mated its Net Sn October 201

e stress scenarios mo 149% (2014: 135

m Results

and princip

t responsibilitand accountain accordance ness of controestablishing s

Risks: Credit R

s and how theorrelations. Foen them and tignificant chaning six months

ozone have recntial for a deflocal markets tugal.

s an overview riod.

mprehensive rica Group Liin this sectio

dity risk is man

al and regula

e of anticipatede of anticipated

oup’s liquidity s the Individua2015, the Groays-specific L

ng changes as expected fund

Stable Funding14.

monitored as part5%) under the 90 d

pal risks

ies are laid oability, with th with agreed r

ols. It includes specific bank-

Risk; Market Ri

ey are manager 2015, reputathe fact that ange to the Keys of the financ

ceded slightly fault by Greecand adversely

of the perform

framework fomited (BAGL)n exclude BAnaged on a con

atory stress t

net outflows as net outflows as

position againal Liquidity Guioup held eligibLRA and the Ls a result of reding impacts h

g Ratio (NSFR)

t of the LRA, the 3day market-wide s

32

out in the Enthe purpose thisk appetite, athose risks inc

-wide control sk; Funding Ri

d is available fation risk has bas separate Priy Risks, risk mial year.

following thece and subseqy impact Barcla

mance in Fund

or managing ) due to loca

AGL, which is nsistent basis

tests

s at 30 June 201s at 31 Decemb

nst the Groupidance (ILG) ple liquid asset

LCR. The surevised assessmhad not fully m

) at 106% (201

30 day Barclays spscenario and 121%

terprise Risk Mhat the Ground that there icurred by Barc

frameworks. sk; Operationa

from the 2014been recogniseincipal Risks thanagement or

e recent agreequent Euro exiays’ performan

ding Risk – Liq

the Group’s al currency an reported on to Barclays Gr

15

ber 2014

p’s internally dprovided by thes significantly rpluses were bment of sovere

materialised by

14: 102%) bas

pecific scenario re% (2014: 127%) un

Management p’s most signis regular repo

clays that are foThese are kn

al Risk; and Co

4 Annual Repoed as a Key Rishey had a comr principal unc

ment for a bait would re-emnce where it h

quidity, Fundin

liquidity risksnd funding rea stand-alone

roup.

Barcla

(30 day B

require

defined Liquidie PRA, and the in excess of 1built to positieign support. the end of H1

sed on the fina

sults in the lowesnder the 30 day co

Framework (Enificant risk eorting of both roreseeable, co

nown as Key onduct Risk.

rt and Accounsk within cond

mmon Principacertainties dur

ailout of Greecmerge, which has larger asse

ng Risk – Capit

, liquidity riskequirements. e basis. Adjus

ays' LRA Barclays specific

ement)1

Es

£bn

145

122

23

119%

124%

ity Risk Appete CRD IV Liqui100% of net ston the Group Whilst the rat15.

al NSFR guideli

t ratio at 119% (2ombined scenario.

ERMF), whichexposures arerisk exposures

ontinuous, andRisks and are

nts or online atduct risk givenal Risk Officer.ing the period

ce, should thiscould disrupt

et and funding

tal, Credit Risk

k is managedUnless stated

sting for local

stimated CRDIVLCR

£bn150 124 26

121%124%

tite (LRA) andidity Coveragetress outflows

p for outflowstings changes

ines published

2014: 124%). This

h e s d e

t n .

d

s t g

k

d d l

V R

n

%

%

d e s s s

d

s

Funding R

Barclays PLC

Compositio

As at 30.06.20Cash and depo Government bAAA rated

AA+ to AA- ratOther governmTotal Governm Other

Supranational bAgencies and aCovered bondsOther Total other Total as at 30 JTotal as at 31 D Barclays mansupport paymBarclays Bankpredominantagainst entity Deposit fun

Funding of loa(including BAG Personal and CBarclaycard

Africa Banking

Non-Core retaiTotal Retail fun Investment BanTrading settlemTotal

PCB, Barclaycthese businesliquidity bufferely on custo

1 £114bn (20

the PRA’s an2 The LCR-elig

2B assets as3 Of which ove

Bank. 4 Of which ove

Risk - Liqui

C – 2015 Interim

n of the Gro

015

osits with centra

onds4

ed ment bonds ment bonds

bonds and multagency mortgags (rated AA- and

June 2015

December 2014

nages the liquidment or clearink PLC and wasly within Barcl

y-specific stres

nding

ans and advanceGL)

Corporate bankin

l

nding

nk, Non-core whment balances a

card, Africa Basses was 88% er requiremenmer deposit fu

14: £122bn) of thennouncement in Agible assets presens defined by the CRer 95% (2014: ove

er 90% (2014: ove

idity

m Results

up Liquidity

al banks3

tilateral developmge-backed securd above)

4

dity pool on a ng requirements available to mays Capital Inc

ssed outflows

es to customers

ng

holesale and Heand collateral

anking and No (2014: 89%).

nts for these bunding from th

e liquidity pool is Pugust 2013 that cented in this table rRDIV Delegated Acer 95%) was place

er 95%) are compr

Pool

ment banks

ities

centralised bats. As at 30 Jun

meet liquidity nc. The portion and regulatory

s

ad Office

n-Core retail a The custome

businesses. Thhese businesse

PRA eligible as per ertain assets specrepresent only thosct. ed with the Bank o

rised of UK, US, Jap

33

Liquidpo

30.06.20

£ 3

7

8

1

2

14 14

asis. The liquidne 2015, 93% needs across t of the liquidityy requirements

Loans anadvances t

customer£b

217 37 34 18

306

37 88

43

are largely funr deposits in ee Investment

es. The loan to

BIPRU 12.7. In addcified by PRA as Lese assets which ar

of England, US Fed

panese, French, Ge

ity ool 15

Liquiditpool o

which PReligible

bn £b31 2

74 73 9 3

86 83

7 3

15 3 3

28 3

45 11449 122

ity pool is held (2014: 92%) ohe Barclays Gry pool outside s.

As at 30.06.2nd to rs

Custdep

bn

7 7 4 8

6

7 8

1

ded by customexcess of loans

Bank is fundeo deposit ratio

dition, there are £1evel 2 assets can bre also eligible for

deral Reserve, Euro

erman, Danish, Sw

ty of

RA e1

Liquidity pCRDIV LC

Level 1bn £bn8 28

3 738 92 -3 82

3 7 - 9 - 3 - -3 19

4 1292 136

d unencumberof the liquidityroup. The resid of Barclays Ba

2015

omer posits

Loan to

£bn 298

8 34

7 347

14 77

438

mer deposits. Ts and advanceed with wholefor the Group

12bn (2014: £12bbe used on a trans the Group liquidit

opean Central Ban

wiss and Dutch secu

pool of which CR-eligible2

1 Level 2An £bn8 1

3 - 9 - - 2 2 2

7 - 9 6 3 - - - 9 6

9 9 6 7

red and is not uy pool was locadual liquidity pank PLC is held

As

o deposit ratio

L

%

88

98

The loan to dees are primarilyesale liabilities was 98% (201

bn) of Level 2 assetsitional basis. ty pool and do not

k, Bank of Japan a

urities.

Liquidity pool

31.12.2014

A

£bn 37

73 12 - 85

9 11 3 4 27

used to ated in pool is held d primarily

s at 31.12.14

Loan to deposit ratio

%

89

100

eposit ratio fory used to fund and does not14: 100%).

ts available, as per

t include any Level

and Swiss National

r d t

r

l

l

Funding R

Barclays PLC

Wholesale f Funding of As at 30.06.15Assets Trading PortfoReverse repurc Reverse repurc Derivative Fina Liquidity pool 1Other unencum

Trading pliquid assdays (201

The majo(2014: 66agreemen

Derivativefor countpaid

The Grouand other

1 The portion 2 Predominan3 Highly liquid

Risk - Liqui

C – 2015 Interim

funding

other assets

5

lio Assets

chase agreement

chase agreement

ncial Instrumen

mbered assets 2

portfolio assetets3. The weig

14: 56 days)

ority of revers6%) of matchents are used to

e assets and liaerparty netting

up liquidity poor assets are lar

of the liquidity poontly available for sad assets are limited

idity

m Results

ts

ts

ts

s are largely fhted average

e repurchase ed book activio settle trading

abilities are larg and the rem

ol is primarily rgely matched

ol estimated to be ale investments, trad to government bo

funded by repmaturity of th

agreements aty was secure

g portfolio liabi

rgely matched.maining portion

funded by wh by term whole

funded by wholesading portfolio assonds, US agency s

34

£bn Liabi

33 Repu 52

41 Tradi

340 Deriv

105 Less 115 Great

purchase agreeese repurchas

are matched bed against highilities

. A substantialns are largely

holesale debt wesale debt and

sale funds. sets, financial asseecurities and US a

lities

urchase agreeme

ing Portfolio Lia

vative Financial I

than 1 year whoter than 1 year w

ements with 5se agreements

by repurchasehly liquid asse

proportion ofoffset once ne

with the remad equity

ts designated at faagency mortgage-b

ents

bilities

nstruments

olesale debt wholesale debt a

57% (2014: 54s secured again

e agreements.ets3. The rema

f balance sheetetted against c

inder being fu

air value and loansbacked securities.

and equity

4%) secured anst less liquid

As at 30 Juninder of rever

t derivative pocash collatera

unded by custo

s and advances to

£bn

85

41

342

68 150

against highlyassets was 77

ne 2015, 55%se repurchase

ositions qualifyl received and

omer deposits

banks.

y 7

% e

y d

s

Funding R

Barclays PLC

Compositio

In preparatiounsecured fusenior unsecu

Maturity pro

Barclays PLC

Senior unsecurSubordinated lBarclays Bank Deposits from BCertificates of DAsset Backed CoSenior unsecureSenior unsecureCovered bonds/Subordinated liaOther3

Total as at 30.0Of which securOf which unsecTotal as at 31.1Of which securOf which unsec

Outstanding notes are issrequirement,

The average m

Term financ

The Group issin the remain

The Group exfunding base

1 The compos

and Subordiof England’s

2 Includes stru3 Primarily com4 Includes £1b

Risk - Liqui

C – 2015 Interim

n of wholesa

n for a Singleunding out of Bured debt out

ofile

red (Public Benciabilities

PLC

Banks

Deposit and Commommercial Papered (Public benchmed (Privately place/ABS

abilities

06.15

ed

cured

2.14

ed

cured

wholesale funsued through the liquidity p

maturity of wh

cing

sued £6bn of tnder of 2015 an

xpects to issue by type, curre

sition of wholesaleinated Liabilities, es Funding for Lendiuctured notes of £3mprised of fair valubn of bilateral secu

idity

m Results

ale funding1

e Point of EntrBarclays PLC, tof Barclays PL

chmark)

mercial Paper

r

mark)

ed)2

nding includesa variety of d

pool exceeded

holesale fundin

term funding nnd £13bn in 20

e more public ency and distri

e funds comprises excluding cash colling Scheme. 33bn, £9bn of whiue deposits £5bn a

ured funding in 20

ry resolution mthe holding co

LC over time.

Not more than one

month

Oo

mobut

mth

thmon

£bn £

-

-

11.4

1.1

3.2 -

1.8 -

-

2.9

20.4 14.7

15.7 116.8 2

5.3

11.5 1

s £39bn (2014distribution chwholesale fun

ng net of the li

net of early red0164.

wholesale debbution channe

the balance sheetlateral and settlem

ich matures withinand secured financ15 and £1bn in 20

35

model, the Grompany. The G

Over one

onth not

more han

hree nths

Over three

months but not

more than six months

Omb

m£bn £bn

- - - -

6.3 1.2 6.2 6.3 1.9 0.6 1.0 - 1.7 2.0 1.1 0.2

- - 0.9 1.1 9.1 11.4 3.8 1.5 5.3 9.9 3.2 14.4 7.8 1.7 5.4 12.7

4: £45bn) of phannels includnding maturing

iquidity pool w

demptions du

bt in the remael.

t reported Depositment balances. It al

n one year. cing of physical go

016.

roup has startGroup expects

Over six months but not

more than nine

months

Overnine

monthsbut not

morethanone

year£bn £bn

- - - -

0.7 0.5 4.2 2.3

- - 1.3 - 2.1 2.7 0.9 1.1

- - 1.0 0.2

10.2 6.8 1.4 1.3 8.8 5.5

13.5 7.5 1.9 0.3

11.6 7.2

privately placeding intermedig in less than o

was at least 120

ring H115. Bar

inder of 2015,

ts from Banks, Finlso does not includ

old £4bn.

ted to issue des to refinance

r e s t e n e r

Sub-total less

than one

year

Oo

year

mtht

yen £bn £

- -

20.1 20.1 5.7 2.3 10.3 3.3 - 6.1 67.9 1 12.7 55.2 1 75.4 1 17.0 58.4 1

d senior unsearies and priv

one year by £7

0 months (201

rclays has £9b

, in order to m

ancial liabilities atde collateral swaps

ebt capital anmost debt cap

Over one but not

more han two ears

Over two

years but not

more than five

years £bn £bn

- 2.5 - 0.8

0.5 - 0.8 1.8

- - 4.8 5.4 6.9 11.4 4.1 6.2

- 3.0 1.7 1.1 8.8 32.2 4.4 6.3 4.4 25.9 4.0 36.6 2.7 7.6 1.3 29.0

cured notes invate banks. Al77bn (2014: £7

14: 105 month

bn of term fund

maintain a stab

t Fair Value, Debt s, including particip

d term seniorpital and term

Over five

years Total£bn £bn

2.0 4.5 - 0.8

0.4 21.0 0.7 23.4

- 5.7 3.6 16.1

10.5 39.1 4.0 17.6

15.3 18.3 1.6 10.5

38.1 157.0 4.1 27.5

34.0 129.5 45.4 171.4

6.0 33.3 39.4 138.1

n issue. Theselthough not a74bn).

hs).

ding maturing

ble and diverse

Securities in Issueipation in the Bank

r m

l n

e a

g

e

e k

Funding R

Barclays PLC

Credit rating Barclays Bank Long Term (OuShort Term Standalone rat

Barclays PLC

Long Term (OuShort Term

During Q215support and/Bank PLC bypartially offseshort-term sesupport notcratings at A/ratings is now

Barclays Af

Liquidity r

In additioanticipate

The BAGL

As at 30 than one

1 Refers to Sta

Risk - Liqui

C – 2015 Interim

g

PLC

utlook)

ing1

utlook)

5 all three cre/or methodoloy one notch fret by a one noenior unsecurehes with no m

/F1. Barclays’ w stable.

frica Group L

risk is manage

on to the Groued stressed out

L loan to depos

June 2015, BAyear (2014: £5

andard & Poor’s St

idity

m Results

dit rating ageogy updates. Srom A/A-1 tootch uplift to red debt rating

methodology dstandalone cr

Limited

ed separately a

up liquidity potflows. The liq

sit ratio was 1

AGL had £10b5bn)

tand-Alone Credit P

encies took indS&P downgra

o A-/A-2. Thisreflect “Additis of Barclays Priven uplift. Fitredit ratings h

at BAGL due to

ool, BAGL helduidity pool co

00% (2014: 10

bn of wholesal

Profile (SACP), Mo

36

dustry-wide raded the long-s was driven onal Loss AbsPLC from A3/tch affirmed b

have not been

o local currenc

d £7bn (2014nsists of South

02%)

e funding out

oody’s Baseline Cre

Standard &

A- (S

Standard &

BBB (

ating actions - and short-teby the remov

sorbing CapacP-2 to Baa3/P

both Barclays a impacted by

y, funding and

4: £7bn) of liqh African gove

tstanding (201

edit Assessment (B

& Poor's

Stable) AA-2

bbb+

& Poor's

Stable) BaA-2

driven by theerm senior unval of two notcity”. Moody’s P-3 due to theand Barclays B these actions

d regulatory re

quidity pool asernment bonds

14: £9bn), of w

BCA) and Fitch’s V

Moody's

A2 (Stable) P-1

baa2

Moody's

a3 (Stable) P-3

eir assessmentsecured ratingtches of sover downgraded removal of th

Bank PLC's sens. The outlook

equirements

ssets against s and Treasury

which £5bn m

Viability Rating (VR

Fitch

A (Stable) F1

a

Fitch

A (Stable) F1

t of sovereigngs of Barclaysreign support,the long- and

hree sovereignnior unsecuredk on all credit

BAGL-specificy bills

matures in less

R).

n s ,

d n d t

c

s

Funding R

Barclays PLC

CRD IV capi

The Capital Rknown as CRrulebook, inccertain aspecby the Europecurrent rules.

Capital ratio

Fully loaded CoPRA TransitionPRA TransitionPRA Transition

Capital resoTotal equity (eLess: Other equAdjustment to Minority intere Other regulatoAdditional valuGoodwill and inDeferred tax asFair value reserExcess of expecGains or lossesDirect and indiOther regulatoFully loaded CRegulatory adjuPRA Transition Additional TierCapital instrumQualifying AT1Other regulatoTransitional AdPRA Transition Tier 2 (T2) capCapital instrumQualifying T2 cOther regulatoPRA Transition Risk weighted 1 The transitio

being equal 2 The CRD IV

of transition3 The PRA tran4 As at 30 Jun

was £60,913the transitio

Risk - Capit

C – 2015 Interim

ital

Requirements RD IV) on 1 Jacluding the imcts of CRD IV aean Commissi.

os

ommon Equity Tnal Common Equnal Tier 13,4 nal Total Capital3

ources excluding non-cuity instruments retained earning

sts (amount allo

ry adjustments aue adjustments (ntangible assetsssets that rely onrves related to gcted losses over

s on liabilities at rect holdings byry adjustments ET1 capital ustments relatinnal CET1 capital

r 1 (AT1) capitaments and related

capital (includiry adjustments additional Tier 1 nal Tier 1 capita

pital ments and relatedcapital (includingry adjustments a

nal total regulat

assets

onal regulatory ad to that on a transiCET1 ratio (FSA Oal CRD IV CET1 cansitional capital is

ne 2015, Barclays’ 3m and the fully lonal provisions set

tal

m Results

Regulation ananuary 2014.

mplementation are dependent ion and the PR

Tier 1 uity Tier 11,2

3,4

controlling inters (recognised asgs for foreseeab

owed in consolid

and deductions:(PVA)

s n future profitabains or losses on

r impairment fair value result

y an institution o

ng to unrealised l

al d share premiumng minority inteand deductions capital

al

d share premiumg minority intereand deductions tory capital

djustment for unreitional basis.

October 2012 transapital and £376.7b based on guidanc fully loaded Tier

oaded total capital out in CRD IV and

nd Capital Req The rules ar of transitiona on final technRA. All capital,

rests) per the ba AT1 capital)

ble dividends

dated CET1)

:

bility excluding tn cash flow hed

ing from own crof own CET1 inst

gains1

m accounts erests) issued by

m accounts ests) issued by s

ealised gains is no

sitional statement)n of RWAs.

ce provided in polic1 capital was £46l ratio was 16.2%. assessing complia

37

quirements Dirre supplemental rules. Howenical standards RWA and leve

alance sheet

emporary differges

redit truments

y subsidiaries

subsidiaries

longer applicable

) as applicable to B

cy statement PS 7/6,468m, and the fu The fully loaded Tance of AT1 and T

rective implemted by Regulaever, rules ands and clarificaterage calculat

ences

e from 1 January 2

Barclays’ Tier 2 Co

/13 on strengthenully loaded Tier 1 rTier 1 capital and tT2 instruments aga

mented Basel 3atory Technicad guidance aretions to be issutions reflect Ba

As at

30.06.15 11.1%

11.1%

14.0%

17.4%

£m

59,281 (4,325)

(731)

1,200

(1,506)

(8,145)

(1,132)

(1,185)

(1,536)

127

(57)

1

41,992 -

41,992

4,325

6,666

(130)

10,861

52,853

792

12,268

(254)

65,659

376,683

2015 resulting in C

ontingent Capital N

ning capital standaratio was 12.3%. Ftotal capital measuainst the relevant c

3 within the Eal Standards ae still subject ued by the EBAarclays’ interpr

As at

31.03.15 10.6% 10.6% 13.3% 16.8%

£m 60,693 (4,323)

(981)

1,249

(1,984) (8,255) (1,180) (2,029) (1,727)

497 (56) (72)

41,833 -

41,833

4,323 6,815 (130)

11,008 52,841

840 13,126

(254) 66,553

395,899

CET 1 capital on a

Notes was 12.7%

ards published in DFully loaded total ures are calculatedcriteria in CRD IV.

U (collectivelyand the PRA’s to change asA and adoptedretation of the

As at

31.12.14 10.3% 10.2% 13.0% 16.5%

£m 59,567 (4,322)

(615)

1,227

(2,199) (8,127) (1,080) (1,814) (1,772)

658 (25) (45)

41,453 (583)

40,870

4,322 6,870

- 11,192 52,062

800 13,529

(48) 66,343

401,900

fully loaded basis

based on £47.9bn

December 2013. regulatory capitald without applying

y s s d e

s

n

l g

Funding R

Barclays PLC

Movemen

Opening CET1 Profit for the peMovement in oMovement in dRetained regul Movement in rMovement in aMovement in cMovement in rOther reserves Movement in o Minority intereAdditional valuGoodwill and inDeferred tax asExcess of expecDirect and indiOther regulatoMovement in r Closing CET1 c

Fully loadcapital of

Capital gedividends

– £0.6bGBP s

– £0.8bPVA d

Transitionfixed ratedecreases

Risk - Capit

C – 2015 Interim

nt in Comm

capital

eriod

own credit dividends latory capital ge

eserves - net imavailable for salecurrency translatetirement benef movements other qualifying

sts

ue adjustments (ntangible assetsssets that rely oncted loss over imrect holdings byry adjustments regulatory adjus

capital

ded CRD IV CE £0.5bn to £42

enerated froms paid and fore

n decrease in trengthened a

n increase duededuction, whi

nal total capitae subordinateds were as a res

tal

m Results

mon Equity

enerated from e

mpact of share sce reserves tion reserves fits

g reserves

(PVA) s n future profitabmpairment y an institution o

stments and de

ET1 ratio incre2.0bn and decr

m earnings inceseen. Other m

other qualifyinagainst EUR, US

e to lower regch includes a t

al decreased bd notes and £sult of higher c

y Tier 1 (CE

earnings

chemes

bility excluding t

of own CET1 inst

ductions

eased in H115rease in RWAs

creased CET1 material movem

ng reserves laSD and ZAR

ulatory adjusttax credit of £

by £0.7bn to £265m fixed rcapital deducti

38

ET1) capita

hose arising fro

truments

5 to 11.1% (Ds of £25.2bn to

capital by £0ments in CET1

rgely due to a

tments and de0.4bn applied

£65.7bn largerate guaranteeons for holdin

al

m temporary dif

December 201o £377bn

0.3bn after ab capital were:

£0.5bn decre

eductions large in Q2 and £0.

ely due to caped perpetual gs in own pap

T

fferences

4; 10.3%) ref

sorbing adjus

ease in the cur

ely as a result 3bn reduction

pital redemptiosubordinated

per and ineligib

Three months

ended 30.06.15

£m 41,833

1,225

(370)

(559)

296

293

(240)

(1,276)

220

16

(987)

(49)

478

110

48 191

(1)

73

850

41,992

lecting an inc

ting items, ow

rrency translat

of a £0.7bn dns across Non-

ons in the pernotes (T2 ca

ble minority int

Six months ended

30.06.15 £m

41,453

1,770 (531) (989) 250

313 (295) (463)

(94) (18)

(557)

(27) 693 (18) (52) 236 (32)

46 846

41,992

rease in CET1

wn credit and

tion reserve as

ecrease in theCore

iod of $225mpital). Furtherterest

d

s

e

m r

Funding R

Barclays PLC

Risk weight

As at 30.06.15Personal and CBanking Barclaycard Africa Banking Investment BanHead Office Total Core Barclays Non-CTotal RWAs

As at 31.12.14Personal and CBanking

Barclaycard Africa Banking Investment BanHead Office Total Core Barclays Non-CTotal RWAs

Movemen

Risk weighted As at 1 JanuaryBook size Acquisitions anBook quality Model updatesMethodology aForeign exchanOther As at 30 June 2

RWAs decrea

Book size by increas

Acquisitiothe Spani

Book quaand Non-

Model upgeneral aCore

Methodolfor securit

Foreign ex

1 RWAs in rela2 RWAs in rela3 Foreign exch

Risk - Capit

C – 2015 Interim

ted assets by

5

Corporate

nk

Core

4

Corporate

nk

Core

nt analysis

assets y 2015

nd disposals

s and policy nge movement3

2015

ased £25.2bn t

decreased RWsed PCB loans

ons and dispossh business

ality improved,Core

pdates decreasnd specific ma

logy and policties financing

xchange move

ation to default funation to CVA (£13.hange movements

tal

m Results

y risk type an

CreStd

£m

31,687 7

16,149 18,003 24,501 3

487

60,827 157,300 1

68,127 16

32,657 7

15,910 19,015 25,773 3

506

63,861 1510,679 174,540 16

of risk we

to £376.7bn:

WAs by £7.5bn and advances

sals decreased

, resulting in a

sed RWAs by arket risk, as w

cy changes inctransactions w

ements decrea

nd contributions ar3bn) are included

s do not include mo

nd business

edit risk IRB

£m

71,481

18,624 20,749 36,117 1

3,071 50,042 113,761 63,803 1

70,080

18,492 21,794 36,829 1

2,912 50,107 1419,416 69,523 1

ighted ass

n, due to risk res to customers

d RWAs by £9

a RWA reduct

£5.3bn, followwell as a recal

creased RWAswithin the Inve

ased RWAs by

re included in cound in market risk. ovements for coun

39

Counterpacredit

Std

£m

268 8

- 18 4

5,263 11,4102

5,651 12,72,532 13,28,183 26,0

238 1,0

- 10 5

3,739 11,7234

4,221 13,43,023 18,47,244 31,8

sets

Credit risk C

£bn

244.0

3.0 (9.6)

(1.7)

(1.7)

1.9 (4.1)

0.1

231.9

eductions in ths

.9bn, primarily

ion of £1.7bn

wing the impleibration of a c

by £3.2bn, duestment Bank

£4.1bn, as GB

nterparty credit ris

nterparty credit risk

arty

risk

IRB S

£m £

859 10

-

416 30412 12,65

87

774 13,07267 1,2041 14,29

049

-

562 94781 18,1

62

454 19,16406 2,23860 21,39

Counterparty credit risk1

£bn 49.1 (6.1)

- (0.7) (1.3)

3.2 - -

44.2

he Investment

y driven by dis

, primarily driv

ementation ofcredit risk mod

ue to the capt

BP appreciated

sk.

k or market risk.

Market riskStd IMA

£m £m

08 -

- - 06 1,266 56 15,718

1 1,695 71 18,679 26 10,893 97 29,572

26 -

- - 48 588 79 16,480

7 521 60 17,589 36 13,088 96 30,677

Market risk2

£bn

52.1 (4.4)

(0.3)

0.7 (2.3)

(1.9)

- -

43.9

t Bank and Non

sposals in Non

ven by change

f diversificatiodel within the

ture of an exte

d against ZAR,

Operationalk riskA

m £m

16,176

5,505 5,604 19,621 2,104 49,010 7,650 56,660

16,176

5,505 5,604 19,621 1,326 48,232 8,428 56,660

Operational risk

£bn

56.7 - - - - - - -

56.7

n-Core trading

n-Core, includi

es in risk prof

n benefits acr Investment B

ended margin

USD and EUR

Total k RWAs

£m

120,579

40,278 36,362 115,288 7,547 320,054 56,629 376,683

120,226

39,907

38,521

122,402

5,568

326,624 75,276

401,900

Total £bn

401.9 (7.5) (9.9) (1.7) (5.3)

3.2 (4.1)

0.1 376.7

g books, offset

ing the sale of

file within PCB

ross advancedank and Non-

period of risk

t

f

B

d -

k

Funding R

Barclays PLC

Leverage In January 20The EuropeanJanuary 2015CRR definitio

Barclays doesand a leverag

At 30 June 20by the Financbuffer.

Leverage

Leverage expo

Accounting asDerivative finanCash collateral Reverse repurcLoans and advaTotal IFRS asse

Regulatory con

Derivatives adjDerivatives netAdjustments toNet written crePotential FuturTotal derivativ

Securities fina

Regulatory dedWeighted off-b

Total fully load

Fully loaded CEFully loaded ATFully loaded Ti

Fully loaded le

During H115

SFTs decrdriven by

Total deriin IFRS de

– The Poptim

– Other increa

– Net wimpro

Loans andassets

1 In July 2015 statement, fi

2 Total derivat

Risk - Capit

C – 2015 Interim

ratio requ014, the Basel n Commission

5. The leveragen of leverage e

s not believe tge exposure ca

015 Barclays lecial Policy Com

exposure

osure

ssets

ncial instrument

chase agreementances and otherets

nsolidation adju

justments

tting

o cash collateraledit protection

re Exposure (PFEves adjustments

ncing transactio

ductions and otbalance sheet c

ded leverage ex

ET1 capital T1 capital

ier 1 capital

everage ratio

leverage expo

reased by £40b reductions in

vative exposuerivatives and c

PFE on derivatiisation includi

derivatives exases in major fo

written credit proved portfolio n

d advances an

the PRA set out a finalised rules and tive exposures incl

tal

m Results

irements Committee fin

n has implemee calculation bexposure as ad

that there is a alculated in acc

everage ratio wmmittee (FPC)

and ratio

ts

ts

r assets

ustments

E) on derivatives

ons (SFTs) adju

ther adjustmentommitments

xposure

osure decrease

bn, primarily d matched book

res2 decreasedcash collateral

ves decreaseding trade comp

xposures decreorward rate cu

rotection decrnetting

d other assets

consultation on ho supervisory statemlude IFRS derivativ

nalised its revnted the amen

below uses thedopted by a Eu

material diffecordance with

was 4.1%, whi1 of 3.7%, com

s

ustments

ts

ed £94bn to £1

due to a reductk trading as a

d £45bn primal.

d £19bn to £1pressions and

eased £19bn tourves and cont

eased £7bn to

s decreased by

ow it proposes to iments by the end ove financial instrum

40

ised standardsndments into te end-point CRuropean Union

rence between the delegated

ich exceeds thmprising the 3

1,139bn:

tion in IFRS revresult of balan

arily due to a £

60bn, mainly tear-ups

o £46bn, drivetinued legacy p

o £20bn prima

y £10bn to £70

implement the FPCof 2015. ments, cash collate

s (BCBS 270) the CRR via a dRR definition on delegated act

n the BCBS 27d act.

he expected m% minimum r

verse repurchance sheet delev

£19bn reductio

as a result of

en by a net decportfolio run d

arily due to a re

03bn primarily

C recommendation

eral and total deriv

for calculatingdelegated act f Tier 1 capitat.

70 leverage ex

inimum fully lorequirement, a

As at

30.06.15

£bn

341 60 93

703

1,197

(5)

(308)

(47)

20 160

(175)

24

(14)

112

1,139

42.0 4.5

46.5

4.1%

ase agreementveraging

on in the PFE a

continued leg

crease in IFRS down

eduction in bu

y driven by a re

ns in the UK. The P

vatives adjustment

g the Basel 3 lwhich came in

al for the nume

xposure previo

oaded requireand the fully ph

As at 31.03.15

£bn

480 80

124 732

1,416

(8)

(436) (63)

25 176

(298)

46

(15) 114

1,255

41.8 4.5

46.3

3.7%

ts of £39bn to

and a £19bn n

acy portfolio r

derivatives, pr

siness activity

eduction in trad

PRA is expected to

ts.

leverage ratio.nto force fromerator and the

usly disclosed

ment outlinedhased-in G-SII

As at 31.12.14

£bn

440 73

132 713

1,358

(8)

(395) (53)

27 179

(242)

25

(15) 115

1,233

41.5 4.6

46.0

3.7%

£93bn,

net reduction

run down and

rimarily due to

and

ding portfolio

publish a policy

. m e

d

d I

d

Credit Ris

Barclays PLC

Analysis o Loans and a

As at 30.06.15

Banks Other financialHome loans Cards, unsecurConstruction aOther

Net loans and

Impairment allo

Gross loans an Loans and adv As at 31.12.14

Banks Other financialHome loans Cards, unsecurConstruction aOther

Net loans and Impairment allo

Gross loans an Loans and adv

sk

C – 2015 Interim

of loans an

advances at a

5

institutions

red loans and otnd property

advances to cu

owance

nd advances to c

vances at FV

4

institutions

red loans and otnd property

advances to cuowance

nd advances to c

vances at FV

m Results

nd advance

amortised co

her personal len

stomers and ba

customers and

her personal len

stomers and ba

customers and

es to custo

ost net of im

UKin

213

nding 214

anks 25

banks 25

1

213

nding 213

anks 24

banks 25

1

41

omers and

pairment all

United ngdom Eu

£m

7,092 1224,091 2033,491 1727,863 4

8,207 141,403 13

52,147 69

2,484 1

54,631 70

6,472

6,900 1223,685 2232,775 1928,061 5

7,837 139,757 11

9,015 722,653 1

1,668 74

7,627 1

banks

owances, by

urope Ameri£m

2,377 14,50,546 52,37,476 64,691 15,6

,035 1,63,266 11,2

9,391 96,0

,091 5

0,482 96,6

405 6

2,611 12,92,114 49,19,713 75,226 15,6

,175 1,6,972 9,6

,811 89,7,219 4

,030 90,2

,041 8

y industry sec

icas Africa an

Middle Ea£m £

510 2,61379 2,87695 12,45628 8,56612 1,90228 12,05

052 40,46

581 95

633 41,41

666 1,00

917 2,49160 4,12769 13,35666 8,60655 1,88621 12,02

788 42,49499 1,00

287 43,49

894 63

ctor and geo

nd ast Asia£m £m

7 4,37473 5,91050 22961 1,41309 32652 4,963

62 17,215

57 80

9 17,295

02 1

99 5,33823 4,30656 36105 1,35688 28720 4,125

91 15,77301 83

92 15,856

35 1

ography

a Total m £m

4 40,970 0 105,799 9 164,341 3 58,156 6 23,089 3 82,912

5 475,267

0 5,193

5 480,460

18,546

8 40,265 6 103,388

166,974 6 58,914 7 22,842 5 77,495

3 469,878 3 5,455

6 475,333

20,198

Credit Ris

Barclays PLC

Analysis of

As at 30.06.15

Personal & CorAfrica Banking

Barclaycard

Barclays Core

Barclays Non-CTotal Group Re

Investment BanPersonal & CorAfrica Banking

Head Office anBarclays Core

Barclays Non-CTotal Group W

Group Total

Traded Loans

Loans and advafair value

Loans and advvalue

Total loans and

As at 31.12.14Personal & CorAfrica Banking

Barclaycard

Barclays Core

Barclays Non-CTotal Group Re

Investment BanPersonal & CorAfrica Banking

Head Office anBarclays Core

Barclays Non-CTotal Group W

Group Total

Traded Loans

Loans and advafair value

Loans and advvalue

Total loans and

Loans and£469.9bn– Invest

balanc– Non-C

of ass

1 Excludes imcharge, whe

2 UK Businessreflect this, w

sk

C – 2015 Interim

retail and w

5

rporate Banking

Core

etail

nk

rporate Banking

d Other Operati

Core

Wholesale

ances designate

vances held at fa

d advances

4

rporate Banking2

Core

etail

nk

rporate Banking2

d Other Operati

Core

Wholesale

ances designate

vances held at fa

d advances

d advances to n) tment Bank incces driven prinCore decreasedets in Europe

pairment chargesereas December 20s Banking has beewith net loans and

m Results

holesale loan

G

1372038

196

17214

123 86

16ions 3

229

37266

480

2ed at 18

air 20

501

2 1362138

196

20216

1062 88

16ions 3

214

44258

475

2ed at 20

air 22

498

customers an

creased by £16ncipally by highd by £10.0bn t

s on available for 014 impairment chn reclassified from

d advances of £8.4b

ns and advan

Gross

L&A Impai

allow£m

7,311 0,414

8,689

6,414 3

7,625

4,039 3

3,094 6,395

6,548

3,169

9,206

7,215

6,421 1

0,460 5

2,048

8,546

0,594

1,054 5

6,544 1,334

8,376

6,254 3

0,259

6,513 3

6,377 8,192

6,312

3,240

4,121

4,699

8,820 1

5,333 5

2,693

0,198

2,891

8,224 5

d banks at am

6.7bn to £123her trading voto £53.9bn du

sale investments harges represent 1m Retail to Wholesbn, credit risk loan

42

nces and imp

rment wance

L&Aimpai

£m 730 13649 1

1,759 33,138 19

420 13,558 21

31 12835 8243 1

- 1,109 22

526 31,635 26

5,193 47

n/a n/a 1

n/a 2

5,193 49

766 13681 2

1,815 33,262 19

428 13,690 21

44 10873 8246 1

- 1,163 21

602 41,765 25

5,455 46

n/a n/a 2

n/a 2

5,455 49

mortised cost n

.1bn reflectinglumes e to a net redu

and reverse repu2 months charge.

sale in line with hns of £482m and im

pairment

net of irment risk

£m 36,581

9,765 36,930 93,276

7,205 0,481

23,063 85,560

6,305 3,169

28,097

36,689 64,786

75,267

2,048 8,546

20,594

95,861

35,778 20,653 36,561 92,992

9,831 2,823

06,333 87,319

6,066 3,240 2,958

44,097 57,055

69,878

2,693 20,198

22,891

92,769

et of impairme

g a net increas

uction in cash

urchase agreemen ow the business i

mpairment charge

Credit k loans

CRLs %gross

£m 1,486 1,029 1,735 4,250

1,077 5,327

56 1,846

642 4

2,548

754 3,302

8,629

1,582 1,093 1,765 4,440

1,209 5,649

71 2,112

665 -

2,848

841 3,689

9,338

ent increased t

e in cash colla

collateral and

nts. H115 impairm

is now managed. 2es of £48m being re

% of L&A

Loimpairme

charge% £

1.1 125.0 154.5 562.2 84

6.1 52.5 89

- (2.1 53.9 30.1

1.1 8

2.0 (21.2 6

1.8 95

1.2 215.1 294.6 1,182.3 1,69

6.0 152.6 1,84

0.1 (12.4 264.1 5

-

1.3 30

1.9 51.4 36

2.0 2,20

to £475.3bn (2

ateral and settl

settlements a

ment charges repr

2014 figures haveeclassified to Who

oan ent es1

Loan loss rates

£m bps

25 18 54 152

63 293

42 86

51 58

93 84

(6) (1)

54 13 39 48

1 6

88 8

24) (13)

64 5

57 40

15 16 95 138

83 308

93 86

51 75

44 85

14) (1)

67 30 54 33

- -

07 14

53 12

60 14

04 46

2014:

ement

nd the run off

resent six months

e been restated toolesale.

s

o

Credit Ris

Barclays PLC

Analysis o

Personal & CorAfrica Banking Barclaycard Barclays Core Barclays Non-CTotal Group Re Investment BanPersonal & CorAfrica Banking Head Office anBarclays Core Barclays Non-CTotal Group W Group Total

Personal & CorAfrica Banking Barclaycard Barclays Core Barclays Non-CTotal Group Re Investment BanPersonal & CorAfrica Banking Head Office anBarclays Core Barclays Non-CTotal Group W Group Total

Credit Ris£5.3bn ineconomic

1 UK Business

reflect this, w

sk

C – 2015 Interim

of potentia

rporate Banking1

Core

etail

nk

rporate Banking1

d Other Operati

Core

Wholesale

rporate Banking1

Core

etail

nk

rporate Banking1

d Other Operati

Core

Wholesale

sk Loans (CRLn retail portfoc conditions

s Banking has beewith credit risk loa

m Results

al credit ris

1

1

ions

1

1

ions

Ls) decreased olios. This is p

n reclassified fromns of £482m, PPLs

sk loans an

30

Imp

30

8% to £8.6bnprimarily drive

m Retail to Wholess of £32m and PCR

43

nd coveragCRLs

As at A0.06.15 31.1

£m

1,486 11,029 11,735 14,250 4

1,077 15,327 5

56 1,846 2

642

4

2,548 2

754

3,302 3

8,629 9

pairment allowaAs at A

0.06.15 31.1£m

730

649

1,759 13,138 3

420

3,558 3

31 835

243

-

1,109 1

526

1,635 1

5,193 5

n with a 10% en by reducti

sale in line with hRLs of £514m bein

e ratios

As at A12.14 30.0

£m ,582 ,093 ,765

4,440

,209 ,649

71 2,112

665 -

2,848

841 ,689

,338 1,

ance CRAs at A

12.14 30.0£m

766 4681 6,815 10,262 7

428 3,690 6

44 5873 4246 3

- ,163 4

602 6,765 4

,455 6

decrease to £ons in PCB a

ow the business ing reclassified to W

PPLs

As at As 06.15 31.12.1

£m £151 14170 16217 22538 53

24 2562 55

270 10498 61

66 9-

834 81

29 11863 93

,425 1,49

RL coverage As at As

06.15 31.12.1%

49.1 48.63.1 62.01.4 102.73.8 73.

39.0 35.66.8 65.

55.4 62.45.2 41.37.9 37.

- 43.5 40.

69.8 71.49.5 47.

60.2 58.

£3.3bn in whoand Non-Core

is now managed. 2Wholesale.

P

at As a14 30.06.1

£m £43 1,6361 1,1927 1,9531 4,78

26 1,1057 5,88

07 324 2,34

94 70- 5 3,38

9 7834 4,16

91 10,05

PCRL at As a14 30.06.1% %.4 44..3 54..8 90..5 65.

.4 38.

.3 60.

.0 9.

.3 35.

.0 34.-

.8 32.

.6 67.

.8 39.

.4 51.

olesale portfolie Europe due

2014 figures have

PCRLs at As at

15 31.12.14 m £m 7 1,725 9 1,254 2 1,992 8 4,971

1 1,234 9 6,205

6 178 4 2,726 8 759 4 - 2 3,663

3 960 5 4,623

4 10,828

L coverage at As at

15 31.12.14 % % 6 44.4 1 54.3 1 91.1 5 65.6

1 34.7 4 59.5

5 24.7 6 32.0 3 32.4 - - 8 31.7

2 62.7 3 38.2

7 50.4

os and 6% toto improving

e been restated to

o g

o

Credit Ris

Barclays PLC

Analysis o

Personal & CorAfrica Banking Barclaycard Barclays Core Barclays Non-CTotal Retail Investment BanPersonal & CorAfrica Banking Barclays Core Barclays Non-CTotal Wholesa Group Total

Retail bala

– PCB: UCurren

– Barclaprogra

Wholesale

forbearan

Analysis o

Secured ho

The princ86%) of t

Home loans p

As at 30.06.15 PCB - UK Africa - Sout As at 31.12.14 PCB - UK

Africa - Sout

1 UK Business

£240m and

sk

C – 2015 Interim

of forbeara

rporate Banking1

Core

nk rporate Banking1

Core le

ances on forbe

UK home loannt Account res

aycard: Reducammes, which

e balances onnce rose by 5%

of specific

me loans

cipal home loatotal home loa

principal portf

5

th Africa

4

th Africa

s Banking forbeara impairment allowa

m Results

ance progr

1

1

earance reduc

s decreased, pserve forbeara

ction primarilh reduced inflo

n forbearance % to £2.2bn ref

core portf

an portfolios lns in the Grou

folios

Grand

ance has been recances of £30m ha

rammes

BaAs at

30.06.15 £m

1,744 268 805

2,817

365 3,182

174 1,841

152 2,167

265 2,432

5,614

ed by 14% to

principally duence classificat

y due to an ows in the UK c

reduced by 1flecting small i

folios/busi

isted below pup’s retail core

ross loans advances

£m

127,551 11,046

126,668 11,513

classified from Retve been restated t

44

lances

t As at 5 31.12.14

m £m 2,011 299 972 3,282

419 3,701

106 1,830 132 2,068

651 2,719

6,420

£3.2bn primar

e to a reductiotion criteria

asset sale icards portfolio

11% to £2.4bincreases in al

inesses

primarily comp portfolios

90 day arrears,

excluding recoveries

pro

% 0.2 0.7

0.2 0.7

tail to Wholesale, to reflect this.

Impairme As at 30.06.15 £m 45 36 285 366 40 406 13 291 11 315 104 419 825

rily due to PCB

on in the propo

n Q115 and o

bn due to a rel businesses

prise first lien

Non

performing roportion of outstanding

balances %

0.6 4.2

0.6 4.8

in line with the w

ent allowance t As at 5 31.12.14

m £m 46

6 45 394 485

0 49 534

10 255 7 272

271 543 1,077

B and Barclayca

ortion of acco

updated ent

eduction in N

mortgages an

Annualised gross

charge-off rates

% 0.4 1.7

0.4 1.9

way the business i

Allowan As a 30.06.15 % 2.6 13.4 35.4 13.0 11.0 12.8

7.5 15.8 7.2 14.5 39.2 17.2

14.7

ard

unts meeting

ry criteria fo

on-Core. Core

nd account fo

Recoveries proportion of

outstanding balances

% 0.4 3.5

0.4 4.1

is now managed.

nce coverage at As at 5 31.12.14

% % 6 2.3 4 15.1 4 40.5 0 14.8

0 11.7 8 14.4

5 9.4 8 13.9 2 5.3 5 13.2

2 41.6 2 20.0

7 16.8

the Mortgage

r forbearance

e balances on

or 87% (2014:

Recoveries impairment

coverage ratio %

8.9 27.7

8.3 31.1

2014 balances of

e

e

n

:

f

Credit Ris

Barclays PLC

Home loans p

<=75%

>75% and <=80>80% and <=85>85% and <=90>90% and <=95>95% and <=10>100%

Portfolio MarkeBalance weightValuation weig

For > 100% LTBalances £m

Marked to marAverage LTV: BAverage LTV: V% Balances in R

PCB - UKconditionalso contr

Africa - Sthe recov£294m as

Home loans p

New bookings New mortgageAverage LTV oAverage LTV o

PCB - UK:segment. LTV lendi

Africa - Sto a revise

Exposures t

The Grou(2014: £5to owner-

Of the £4(2014: £7

Exposure to inInterest only baTotal ImpairmeMarked to marMarked to mar

1 Portfolio mar

index availab2 2014 new bo3 A Part and Pa

book which c(2014: £9.8bn

sk

C – 2015 Interim

principal portf

0%

5%

0%

5%

00%

ed To Market LTted %

ghted %

TV:

rket collateral £mBalance weighteValuation weightRecovery Book

K: Arrears and s. Balance weributed to a re

South Africa: Tveries book ans the recoverie

principal portf

(£m)2

es proportion abn new mortgagen new mortgage

: New lending The increase ng in the UK a

South Africa: Ted strategy wh

to interest on

p provides inte51bn) of the to-occupied cust

1bn exposure 7bn) represent

terest only ownalances (£m) ent Coverage (brket LTV: Balancrket LTV: Valuat

rked to market basele in the country as okings for South Af

art Home Loan is a pcontributes £6.4bn (n) and represents 7

m Results

folios - distrib

TV:

m d % ted %

charge-off rateighted LTV reduction in hom

The decrease ind continued es book decrea

folios - new le

ove 85% LTV (%es: balance weiges: valuation we

during H115 in mortgages

as confidence i

The proportionhich allows a g

nly home loa

erest-only mootal balance oftomers, and £

to owner-occting the interes

ner-occupied ho

ps) e weighted % ion weighted %

ed on the most upda at 30 June 2015. frica Home Loan waproduct in which pa(2014: £6.6bn) to th

7% of total UK home

bution of balan

tes remained seduced to 51.0me loans that

n non-performstrong perform

ased, and avera

ending

%)

ghted (%)

eighted (%)

reduced by 6% with LTV abon the housing

n of new homgreater proport

ans rtgages to cusf £128bn (20110bn (2014: £

upied customst-only compo

ome loans

ated valuation includ

as revised to includeart of the loan is intehe total interest-onlye loans portfolio.

45

nces by LTV1

steady, reflect0% (2014: 51have LTV >100

ming balances mance of newage house pric

%, in line with ve 85% to 8.3 market impro

me loans with Ltion of higher

stomers, mainl14: £127bn) of£9bn) to buy-to

ers, £35bn (20onent of Part a

ding recoveries bala

e new advances to eerest only and part iy balance of £41.1b

3

ting the contin.6%) as avera0% of 18% to

to 4.2% (2014w lending. Balce appreciated

PCB - UK

30.06.15

9,549

8.3 62.3 53.6

the reduction 3% (2014: 5.0%oved

LTV above 85%LTV loans to b

ly in the UK. Inf UK home loao-let custome

014: £35bn) wnd Part3 mortg

ances. Updated valu

existing customers. is amortising. Analyn (2014: £41.9bn).

PCB - UK

30.06.15 31.1%

90.7 4.0 2.2 1.5 0.9 0.3 0.4

51.0 39.1

528

439

126.2 1120.2 1

5.0

nuing low baseage house pric £528m

4: 4.8%) was dances with >1

d

30.06.14 10,162

5.0 64.4 57.2

in market act%) reflected in

% increased tobe booked for

nterest-only moans. This comprs.

was interest-ongages.

uations reflect the ap

ysis excludes the inte Total exposure on t

Africa - 12.14 30.06.1

% 90.2 76

4.2 72.3 51.4 31.0 20.4 10.5 2

51.6 5839.8 39

641 29558 2420.9 12214.8 118

4.4 34

e rate and bences increased.

due to a furthe100% LTV red

Africa - Sout30.06.15

811 39.2 75.1 66.2

tivity in the princreased appe

o 39.2% (2014lower risk cust

ortgages accoprised £41bn (

nly, with the re

As at

30.06.15 34,855

10 47.5 36.8

pplication of the lat

erest only portion ofthe part and part bo

South Africa 15 31.12.14 % % .7 74.6 .2 7.7 .7 5.9 .8 4.3 .4 2.5 .5 1.5 .7 3.5

.5 59.9

.4 40.2

94 390 47 324 .5 124.2 .8 120.3 .8 37.1

nign economic This increase

er reduction induced 25% to

th Africa 30.06.14

763 32.9 75.0 65.6

me residentialetite for higher

4: 32.9%) duetomers

ount for £51bn(2014: £42bn)

emaining £6bn

As at

31.12.14 35,328

8 48.7 37.6

est house price

f the part and part ook is £9.1bn

c e

n o

l r

e

n )

n

Credit Ris

Barclays PLC

Credit cards The princ

unsecured

Principal Portf As at 30.06.15 Barclaycard UK cards1

US cards1 Barclays Par Germany ca Iberia cards Personal & C UK personal UK overdraft Africa Bank South Africa South Africa As at 31.12.14 Barclaycard UK cards1

US cards1 Barclays Par Germany ca Iberia cards Personal & C UK personal UK overdraft Africa Bank South Africa South Africa

UK cardsforbearancoverage methodol

US cards:

UK persobenign ec

Barclays adjustmeoverall co

South Afrwell as se

1 For UK and U

excluded fromacquisition.

sk

C – 2015 Interim

s, overdraftscipal portfoliosd loans

folios

5 d

rtner Finance rds Corporate Bank loans

ts ing

a cards

a personal loans

4

d

rtner Finance rds Corporate Bank loans

ts ing

a cards

a personal loans

s: Primary drivnce plans, whi ratio was duelogies, includin

: Arrears rates

nal loans: Arreconomic condi

Partner Finannts to the imp

overage remain

rica cards: Inceasonal trends.

US cards, outstandinm the recoveries imp

m Results

s and unsecus listed below

a

king

king

ver for the incch required eae to recent imng the use of m

remained stab

ears and chargitions

ce: The increapairment allowns unchanged

creased arrears. The level of a

g recoveries balancpairment coverage r

ured loans accounted fo

Gross Loans and Advances

£m

17,378

14,299

3,734

1,300

901

5,232

839

2,278

972

17,447

14,005

3,399

1,355

968

4,953

902

2,364

993

creased chargarly acceleratio

mprovements imore granular

ble due to a str

ge-off rates fe

ase in recoverieance that wer

s in part reflecarrears was in l

ces for acquired portratio. Losses have b

46

r 94% (2014:

30 Day Arrears,


%

2.4 1.9 1.4 2.6 6.0

1.8 5.0

9.4 5.9

2.5 2.1 1.5 2.5 6.0

2.0 5.8

8.1 5.4

ge-off rate to on of accountin cash recove account segm

rategy focused

ll despite a 5%

es impairmente previously h

cted the growtline with the sa

tfolios recognised abeen recognised wh

94%) of the G

90 Day Arrears,


%

1.2 0.9 0.6 1.0 2.6

0.7 3.7

5.2 3.0

1.2 1.0 0.7 1.1 2.5

0.9 4.0

4.6 2.6

5.6% (2014: ts to charge-oeries and furt

mentation

d on high qual

% growth in gr

t coverage waseld at the port

th of bookingsame period in

at fair value (which here related to additi

Group’s total c

Annualised Gross

Charge-off Rates

%

5.6 3.9 2.3 3.8 8.0

3.0 8.0

5.4 7.8

4.3 3.7 2.4 3.8 8.2

3.4 7.1

7.6 8.1

4.3%) was doff prior to saleher refinemen

ity customers

ross loans and

s due to a recltfolio level, to t

s in 2014 in lin 2014

have no related impional spend from ac

credit cards, o

Recoveries Proportion of Outstanding

Balances %

5.3 2.1 2.5 3.0 6.2

7.9 11.4

6.6 8.0

4.9 1.8 2.7 3.4 6.3

10.0 11.0

5.9 7.8

debt sale active. The decreas

nts to modelle

and low risk p

d advances and

assification ofthe recoveries

ne with busines

airment allowance)cquired accounts in

overdrafts and

Recoveries Impairment

Coverage Ratio

%

85.4 88.2 80.6 81.9 84.2

75.1 87.4

74.8 72.5

87.6 87.1 76.8 82.8 84.9

76.3 89.9

75.7 70.8

vity on legacyse in recovery

ed impairment

partnerships

d reflected the

f management segment. The

ss strategy, as

) have been the period post

d

y y t

e

t e

s

Credit Ris

Barclays PLC

Group exp

The Groumonitor eenvironm

During H1by £17.7b

As at 30 €1.7bn (2

The followbeing the Annual Re

The net eexposure

As at 30.06.15

Spain Italy Portugal Ireland Cyprus Greece

Total As at 31.12.14

Spain Italy Portugal Ireland Cyprus Greece

Total

sk

C – 2015 Interim

posures to

p recognises tevents closely ent

115 the Groupbn to £25.6bn

June 2015, th2014: €1.9bn).

wing table sho subject of pareport

exposure prov is also presen

Soverei5 £

17 1,33

3 3 2

1,61

4

10 1,71

10 3 2

1,99

m Results

o Eurozone

the credit and while taking

p’s net on-bala primarily due

he local net fu The net fundi

ows Barclays erticular manag

ides the mostted below, alo

gn Financia

institutions£m £m

73 697 33 426 36 28 38 2,101 26 7 6 5

12 3,264

08 14,043 16 485 05 7 37 3,175 28 12 1 11

95 17,733

countries

market risk recoordinated s

ance sheet expto a £13.2bn r

unding deficit ng surplus in S

exposure to Eugement focus.

appropriate mongside off-bal

l s Corporate

m £m

1,099 972 350 1,247 44 15

3,727

1,149 1,128 531 1,453 61 15

4,337

47

esulting from teps to mitiga

posures to Spareduction in Sp

in Italy was €Spain was €3.3

urozone count The basis of p

measure of thlance sheet co

Residential mortgages

Ot

£m

15 11,895

2,641 61 17

6

14,635

12 13,530

2,995 43

6 -

16,586

the ongoing vate the risks a

in, Italy, Portugpain following

€4.8bn (2014:3bn (2014: €4

tries monitorepreparation is c

e credit risk toontingent liabil

her retail lending

bala

£m

311 832

1,105 51 31

3

2,333

248 1,114 1,207

50 16

-

2,635

volatility in thessociated with

gal, Ireland, Cy the sale of Sp

€9.9bn) and .3bn)

d internally asconsistent with

o which the Gities and comm

Net on-nce Sheet exposure

£m

2,295 15,458

4,160 3,498

125 35

25,571

15,560 17,973

4,845 4,758

123 27

43,286

e Eurozone andh the challeng

yprus and Greepanish business

the deficit in

s being higherh that describe

Group is exposmitments

Gross on-balance sheet

exposure £m

9,285 21,899

4,420 7,077

379 972

44,032

24,873 25,967

5,050 9,445

707 1,279

67,321

d continues toging economic

ece decreaseds

Portugal was

r risk and thused in the 2014

sed. The gross

Contingent liabilities and

commitments £m

1,865 2,468 1,365 2,208

22 -

7,928

2,863 3,033 1,631 2,070

26 -

9,623

o c

d

s

s 4

s

Market Ri

Barclays PLC

Analysis of

The table all trading

Limits arerisk mana

Management Vclass Six months en

Credit risk

Interest rate risSpread risk

Basis risk

Equity risk

Commodity risForeign exchanInflation risk

Diversification Total Managem

With the e

Average liquidity pare now r

This decre

Analysis of

The table belofinancial liabi

Net interest inc

Period ended 3+200bps

+100bps

-100bps

-200bps

Period ended 3+200bps

+100bps

-100bps

-200bps

In PCB, thrate chan

1 The high anConsequentl

2 Based on Ma3 Excluding in4 Excluding th

isk

C – 2015 Interim

Managemen

below shows g positions in t

e applied againagers to each b

VaR (95%) by a

ded

D

sk

k

nge risk

effect

ment VaR

exception of In

Interest Rate pool were tranreported as no

ease together

net interest

ow shows senlities held at 3

come sensitivity

31.05.152,3

31.12.143

he reduction iges

nd low DVaR figurly a diversification ay 2015 data, beinvestment banking

he banking book as

m Results

nt VaR

the total Manthe Investment

nst each risk fbusiness

asset

30.0Daily Avg H

£m

10 7 3 3 9 2 3 3

(22)

18

nterest Rate Ri

Risk Managesferred to Hean-traded mark

with a reducti

income sens

sitivity analysi1 May 2015 a

y (AEaR) by busPeC

n NII sensitivit

res reported for ea effect balance for

ng the latest availa operations. ssets of the liquidit

nagement VaRt Bank, Non-C

factor VaR as

6.15

High1 Low£m £m13 812 4

6 24 3

17 52 5 5 2-

25 13

isk, all asset cla

ment VaR dead Office Treasket risk exposu

on in exposur

sitivity

is on the pre-tand 31 Decemb

siness ersonal &

Corporate Banking

£m Ba

302

150

(392)

(442)

464

239

(426)

(430)

ty was due to

ach category did nr the high and low able.

ty pool held in Hea

48

R on a diversifieore, Africa Ban

well as total M

w1 Daily Avgm £m8 10 4 12 2 4 3 3 5 10 1 2 1 4 2 2 - (26)

3 21

ass VaRs rema

creased by 4sury banking bures to ensure

e in Non-Core

ax net interestber 2014

arclaycard £m

(28)

(15)

16 19

(59)

(27)

26 29

o increased he

not necessarily oc DVaR figures wou

ad Office.

ed basis by risnking and Hea

Management

31.12.14

g High1 m £m

13 17 5 5 15 3 23 3 ) - 36

ained stable du

2% to £7m, book. These hi consistent ma

led to a fall in

t income for th

Africa £m 20 10 (4)

(4)

26 13 (9)

(17)

dging of certa

ccur on the same uld not be meaning

k factor. Totalad Office

VaR, which ar

Low1 Da£m

9

7

3

2

6

1

1

2

-

17

uring H115

as certain pogh quality and

anagement of

total Manage

he non-trading

Non-core £m 19 10

- (1)

6 3

(1)

(1)

ain deposit pro

day as the high agful and is therefor

l Management

re then cascad

30.06.ily Avg Hig

£m £12 10

5 6

12 3 4 3

(32)

23

sitions includd liquid bankin the liquidity p

ment VaR of 1

g financial asse

Other4 £m

(87)

(62)

63 64

(97)

(58)

26 39

oducts exposu

and low DVaR repre omitted from th

t VaR includes

ded further by

14

gh1 Low1

£m £m

15 9 14 6

8 3 8 4

23 8 8 2 6 2 4 2 - -

31 18

ed within theng book assetsool

14% to £18m

ets and

Total £m

226

93 (317)

(364)

340

170

(384)

(380)

ure to interest

ported as a whole.he above table.

s

y

e s

t

.

Statemen

Barclays PLC

The Directors51 to 89 havadopted by trequired by D

An indicacondenseremaining

Material rtransactio

Signed on be

John McFarla

Executive Cha

Barclays PLC Executive DirJohn McFarlaTushar Morza

t of Direct

C – 2015 Interim

s (who are listeve been prepahe European U

Disclosure and

tion of imported consolidateg six months o

related party tons described

half of the Boa

ane

airman

Board of Direc

rectors ane (Executive aria (Group Fin

ors’ Respo

m Results

ed below) conred in accordaUnion, and tha Transparency

ant events thad interim fina

of the financial

ransactions inin the last Ann

ard by

ctors:

Chairman) nance Director

onsibilities

firm that the cance with Inteat the interim y Rules 4.2.7R a

at have occurrencial statemen year

the six monthnual Report

r)

49

condensed conernational Acc managementand 4.2.8R nam

ed during the snts, and a des

hs ended 30 Ju

Tus

Gro

NonMikTimCraReuWeDamFritSir MDiaDiaSte

nsolidated intecounting Stan report hereinmely:

six months enscription of the

une 2015 and

shar Morzaria

oup Finance Di

n-executive Dke Ashley

m Breedon awford Gillies uben Jeffery endy Lucas-Bulmbisa Moyo ts van PaasschMichael Rake

ane de Saint Viane Schuenemave Thieke

erim financial sdard 34, ‘Inte includes a fa

ded 30 June 2e principal risk

any material c

rector

Directors

ll

hen ictor an

statements setrim Financial ir review of th

015 and their ks and uncert

changes in the

t out on pagesReporting’, as

he information

impact on theainties for the

e related party

s s n

e e

y

Independ

Barclays PLC

Report on th

Our conclusWe have revieBarclays PLC fbelieve that thInternational AKingdom's Fin This conclusio What we haThe condense the conde

the conde

the conde

the conde

the conde

the related

As disclosed instatements of Union. The condenseaccordance wDisclosure and What a reviWe conductedInterim Financthe United Kinfinancial and aA review is suIreland) and, cmight be identWe have read apparent missstatements. Responsibil

Our responThe interim rehas been apprDisclosure andOur responsibinterim resultscompany for tother purposeto whom this PricewaterhouChartered Acc28 July 2015 London, Unite

1 The maintenconsideratiosince they w

2 Legislation in

ent Audito

C – 2015 Interim

he condense

sion ewed the condefor the six monthe condensed cAccounting Stanancial Conduct

on is to be read

ave revieweded consolidated

nsed consolida

nsed consolida

nsed consolida

nsed consolida

nsed consolida

d notes to the c

n note 1, the finf the group is ap

ed consolidatedwith Internationa

d Transparency

ew of conded our review in cial Informationngdom. A reviewaccounting matbstantially less consequently, dtified in an aud the other inforstatements or m

ities for the

sibilities andesults announceroved by, the did Transparency

bility is to expres announcementhe purpose of e. We do not, inreport is shown

useCoopers LLPcountants

ed Kingdom

nance and integrion of these matterswere initially presen

n the United Kingd

ors’ Review

m Results

ed consolidat

ensed consolidaths ended 30 Ju

consolidated intandard 34 as adt Authority.

in the context

d d interim financ

ated Balance Sh

ated Income Sta

ated statement

ated statement

ated statement

condensed con

nancial reportinpplicable law an

d interim financal Accounting Sy Rules of the U

ensed consol accordance win Performed byw of interim fintters, and apply in scope than adoes not enabledit. Accordinglyrmation containmaterial incons

condensed c

d those of theement, includinirectors. The diy Rules of the Uss to the compnt based on oucomplying with giving this conn or into whose

P

rity of the Barclays and, accordingly

nted on the websitdom governing the

w Report to

ted interim f

ated interim finune 2015. Baseterim financial sdopted by the E

of what we say

cial statements,

heet as at 30 Jun

atement for the

of Comprehen

of Cash Flows

of Changes in

solidated interi

ng framework tnd Internationa

cial statements Standard 34, ‘In

United Kingdom

idated finanth Internationa

y the Independenancial informatying analytical aan audit condue us to obtain a, we do not exp

ned in the interistencies with t

consolidated

e directors1,2

ng the condensrectors are resp

United Kingdompany a conclusior review. This rh the Disclosurnclusion, accepe hands it may

ys website is the y, the auditors accete. e preparation and d

o Barclays

50

financial stat

ancial statemeed on our reviewstatements are

European Union

y in the remaind

which are prep

ne 2015;

e six months en

sive Income fo

for the period t

Equity for the p

m financial sta

that has been aal Financial Rep

included in thenterim Financia

m's Financial Co

cial statemeal Standard on Rent Auditor of ttion consists ofand other revie

ucted in accordaassurance that wpress an audit oim results annothe information

d interim fina

2 sed consolidateponsible for pre

m's Financial Coon on the condeport, includinge and Transpar

pt or assume rescome save whe

responsibility of tept no responsibil

dissemination of fi

PLC

tements

nts, defined bew, nothing has e not prepared, n and the Disclo

der of this repo

pared by Barcla

nded 30 June 20

r the period the

then ended;

period then end

tements.

pplied in the prporting Standar

e interim resultsal Reporting’, asnduct Authorit

nts involves Review Engagehe Entity’ issuef making enqui

ew procedures. ance with Interwe would becoopinion. ouncement andn in the conden

ancial statem

d interim finaneparing the resunduct Authorit

densed consolidg the conclusiorency Rules of tsponsibility for ere expressly ag

the directors; the lity for any change

financial statement

low, in the intecome to our atin all material r

osure and Tran

ort.

ays PLC, compr

015;

en ended;

ded; and

reparation of thds (IFRSs) as ad

s announcemens adopted by thty.

ements (UK anded by the Auditiries, primarily o rnational Standome aware of al

d considered wsed consolidate

ments and the

cial statementsults announcemty. dated interim fion, has been prethe Financial Co any other purpgreed by our pr

work carried outes that may have o

ts may differ from

erim results annttention that carespects, in accsparency Rules

rise:

he full annual fidopted by the E

nt have been prhe European Un

d Ireland) 2410,ing Practices Boof persons resp

ards on Auditinll significant ma

hether it contaed interim finan

e review

s, is the responsment in accorda

nancial statemepared for and onduct Authoripose or to any orior consent in

t by the auditors occurred to the fin

legislation in othe

nouncement of auses us to cordance with s of the United

nancial European

repared in nion and the

, ‘Review of oard for use in

ponsible for

ng (UK and atters that

ins any ncial

sibility of, and ance with the

ents in the only for the ity and for no other person writing.

does not involvenancial statements

er jurisdictions.

f

e s

Condense

Barclays PLC

Condense Continuing op

Net interest incNet fee and comNet trading incNet investmentNet premiums Other income Total income Net claims andTotal income nCredit impairmNet operating Staff costs

Infrastructure cAdministrationOperating exp Loss on disposProfit before taTax Profit after tax Attributable toOrdinary equityOther equity hoTotal equity hoNon-controllingProfit after tax Earnings per sBasic earnings Diluted earning

1 For notes to 2 The profit af

net amount

ed Consolid

C – 2015 Interim

ed consolid

erations

come mmission incomome t income from insurance



costs n and general exenses

al of undertakinax

x

o:

y holders of the olders2 olders of the pag interests

x

hare from conti per ordinary shags per ordinary s

the Financial Statfter tax attributabl of £127m (H114:

dated Fina

m Results

dated inco

me

contracts

ed on insurancee claims d other provision

penses

ngs and share of

parent:

arent2

inuing operatioare2

share2

tements see pagesle to other equity h£71m), along with

ancial State

me statem

contracts

ns

f results of assoc

ns

s 56 to 89. holders of £159m

h non-controlling in

ements

51

ment (unau

ciates and joint v

(H114: £90m) is nterests (NCI) is de

udited)

ventures

offset by a tax creeducted from prof

Half

Notes1

2

3

3

4

5

6

6

edit recorded in resfit after tax in orde

year ended H

30.06.15

£m

6,201

4,004

2,660

923

351

(3)

14,136 (248)

13,888 (973)

12,915

(4,864)

(1,590)

(3,211)

(9,665)

(136)

3,114 (1,006)

2,108

1,611

159

1,770

338

2,108

9.9p

9.7p

serves of £32m (Her to calculate earn

Half year ended

30.06.14 £m

6,082 4,256 2,575

356 336

19 13,624

(240) 13,384 (1,086) 12,298

(5,730) (1,568) (2,479) (9,777)

(20) 2,501 (895)

1,606

1,126 90

1,216 390

1,606

7.0p 7.0p

H114: £19m). Thenings per share.

e

Condense

Barclays PLC

Condense

Continuing op Profit after tax Other comprehCurrency transAvailable for saCash flow hedgOther Other compreh Other comprehRetirement ben Other compreh Comprehensiv Attributable toEquity holders Non-controllingTotal compreh

1 For notes, se

ed Consolid

C – 2015 Interim

ed consolid

erations

x

hensive (loss)/ilation reserve

ale reserve ge reserve

hensive loss tha

hensive (loss)/inefit remeasurem

hensive loss for

ve income for th

o:

of the parent

g interests hensive income

ee pages 56 to 89.

dated Fina

m Results

dated state

income that ma

at may be recyc

income not recyments

r the period

he period

for the period

.

ancial State

ement of c

ay be recycled to

led to profit or

ycled to profit o

ements

52

omprehen

o profit or loss:

loss

or loss:

nsive incom

me (unaudi

Half

Notes1

15 15 15

12

ited)

year ended H

30.06.15

£m

2,108

(590)

(294)

(646)

41

(1,489)

(93)

(1,582)

526

325

201

526

Half year ended

30.06.14 £m

1,606

(1,056) 341 254 (53)

(514)

236

(278)

1,328

1,064 264

1,328

Condense

Barclays PLC

Condense Assets Cash and balanItems in the coTrading portfoFinancial assetDerivative finanAvailable for saLoans and advaLoans and advaReverse repurcPrepayments, aInvestments in Property, plantGoodwill Intangible asseCurrent and deRetirement benNon-current asTotal assets Liabilities

Deposits from Items in the coCustomer accoRepurchase agTrading portfoFinancial liabilitDerivative finanDebt securitiesSubordinated lAccruals, deferProvisions Current and deRetirement benNon-current liaTotal liabilities Equity

Called up shareOther reserves Retained earninShareholders' Other equity inTotal equity exNon-controllingTotal equity Total liabilities

1 For notes, se

ed Consolid

C – 2015 Interim

ed consolid

nces at central burse of collectiolio assets s designated at ncial instrumentale investments ances to banks ances to custom

chase agreementaccrued income associates and

t and equipment

ets eferred tax assetnefit assets ssets classified a

banks

urse of collectioounts reements and olio liabilities ties designated ncial instruments in issue iabilities rred income and

eferred tax liabilinefit liabilities abilities classifieds

e capital and sha ngs equity attributa

nstruments xcluding non-cog interests

s and equity

ee pages 56 to 89.

dated Fina

m Results

dated bala

banks on from other ba

fair value ts

mers ts and other sim and other asset joint ventures t

ts

as held for sale

on due to other b

other similar secu

at fair value ts

d other liabilities

ties

d as held for sale

are premium

able to ordinary

ontrolling intere

.

ancial State

nce sheet

anks

milar secured lents

banks

ured borrowing

e

shareholders o

ests

ements

53

(unaudited

nding

of parent

d)

Notes1

8

4

12

8

10

11

4

12

13

15

14

5

As a

30.06.1£m

33,3411,227

98,04833,335

341,31296,21044,548

430,71993,138

3,778577

3,6204,8323,3574,490

334,154

1,196,719

55,9781,539

438,27085,09241,81851,284

342,96475,52519,66411,838

3,287885

1,0911,909

1,131,144

21,5231,334

32,09954,956

4,32559,281

6,29465,575

1,196,719

at

5 3m

1

7

8

5

2 0

8

9 8

8

7

0

2

7

0

3 4

9 1,3

8

9

0 2

8

4

4 5

4

8

7

5

1

9

4 1,2

3

4

9

6

5

1

4

5

9 1,3

As at

31.12.14 £m

39,695 1,210

114,717 38,300

439,909 86,066 42,111

427,767 131,753

3,607 711

3,786 4,887 3,293 4,464

56 15,574

357,906

58,390 1,177

427,704 124,479

45,124 56,972

439,320 86,099 21,153 11,423

4,135 1,283 1,574

13,115 291,948

20,809 2,724

31,712 55,245

4,322 59,567

6,391 65,958

357,906

Condense

Barclays PLC

Condense

Half year endeBalance at 1 JaProfit after tax Currency transAvailable for saCash flow hedgRetirement benOther Total comprehIssue of new orIssue of sharesOther equity inTreasury shareDividends paidOther reserve mBalance at 30 J Half year endeBalance at 1 JuProfit/(loss) aftCurrency transAvailable for saCash flow hedgRetirement benOther Total comprehIssue of new orIssue of sharesOther equity inRedemption ofTreasury shareDividends paidOther reserve mBalance at 31 D Half year endeBalance at 1 JaProfit after tax Currency transAvailable for saCash flow hedgRetirement benOther Total comprehIssue of new orIssue of sharesIssue and exchOther equity inTreasury shareDividends paidOther reserve mBalance at 30 J

1 Details of Sh2 Details of No

ed Consolid

C – 2015 Interim

ed consolid

ed 30.06.15 anuary 2015 lation movemen

ale investments ges nefit remeasurem

hensive income rdinary shares

s under employenstruments coupes

movements June 2015

ed 31.12.14

uly 2014

fter tax lation movemen



s under employenstruments coupf preference shaes

movements December 2014

ed 30.06.14

anuary 2014

lation movemen



s under employeange of equity i

nstruments coupes

movements June 2014

hare Capital, Otheron-controlling Inte

dated Fina

m Results

dated state

nts

ments

for the year

ee share schemepons paid

nts

ments

for the period

ee share schemepons paid res

4

nts

ments

for the year

ee share schemenstruments

pons paid

r Equity Instrumenerests are shown o

ancial State

ement of cCalled up

capit

prem

2

es

2

2

es

2

1

es

2

nts and Other Resen page 59.

ements

54

hanges in p share tal and

share mium1

Other einstrum

£m 0,809 4

- - - - - - -

118 596

- - - -

1,523 4

0,655 4- - - - - - -

86 68

- - - - -

0,809 4

9,887 2- - - - - - -

64 704

- - - - -

0,655 4

erves are shown on

equity (un

equity ments1

Othreserve

£m £4,322 2,72

159

- (46- (29- (63- -

159 (1,39- -

(159)

- - 3

4,325 1,33

4,326 (15160

- 1,50- 6- 1,28- -

160 2,85- -

(160)

- - 2-

(4)

4,322 2,72

2,063 2490

- (94- 34- 26- -

90 (33- -

2,263

(90)

- (6- -

4,326 (15

n page 71.

naudited)

her es1

Retained earnings

£m £m

24 31,712 - 1,611

63) - 95) - 34) -

- (94)

- 41

92) 1,558 - - - 303

- 32 2 (706)

- (746)

- (54)

34 32,099

54) 33,241 - (1,300)

01 - 69 - 84 -

- (32)

- 10

54 (1,322)

- - - 314

- 35 - (104)

24 (91)

- (329)

- (32)

24 31,712

49 33,186 - 1,126

41) - 45 - 60 -

- 237

- (53)

36) 1,310 - - - 379

- (155)

- 19 67) (775)

- (728)

- 5

54) 33,241

Total cont

int£m

59,567 1,770 (463) (295) (634)

(94) 41

325 118 899

(127) (704) (746)

(51) 59,281

58,068 (1,140) 1,501

69 1,284

(32) 10

1,692 86

382 (125) (104)

(67) (329)

(36) 59,567

55,385 1,216 (941)

345 260 237 (53)

1,064 64

1,083 2,108

(71) (842) (728)

5 58,068

Non-trolling erests2

Totequit

£m £6,391 65,95

338 2,10(127) (590

1 (294(12) (646

1 (93- 4

201 52- 11- 89- (127- (704

(301) (1,0473 (48

6,294 65,57

6,957 65,02379 (76

41 1,543 72 1,281 (31 1

427 2,11- 8- 38- (125

(687) (79- (67

(297) (626(9) (45

6,391 65,95

8,564 63,94390 1,60

(115) (1,056(4) 34(6) 25(1) 23

- (53264 1,32

- 6- 1,08

(1,527) 58- (7- (842

(334) (1,062(10) (5

6,957 65,02

tal ty m

8 8

0)

4)

6)

3)

1

6 8

9

7)

4)

7)

8)

5

5 1)

2

2 6

1)

1

9 6 2

5)

1)

7)

6)

5)

8

9 6

6)

1

4

6

3)

8 4 3

1

1)

2)

2)

5)

5

Condense

Barclays PLC

Condense

Continuing op

Profit before ta

Adjustment for

Changes in ope

Corporate inco

Net cash from

Net cash from

Net cash from

Effect of excha

Net (decrease)

Cash and cash

Cash and cash

ed Consolid

C – 2015 Interim

ed consolid

erations

ax

r non-cash item

erating assets an

ome tax paid

operating activ

investing activit

financing activit

nge rates on cas

)/increase in ca

equivalents at b

h equivalents at

dated Fina

m Results

dated cash

s

nd liabilities

vities

ties

ties

sh and cash equ

ash and cash eq

beginning of the

end of the perio

ancial State

h flow state

uivalents

uivalents

e period

od

ements

55

ement (una

audited) Half year

ended

30.06.15

£m

3,114

2,998

6,976

(929)

12,159

(13,569)

(1,582)

(255)

(3,247)

78,479

75,232

Half yearended

30.06.14

£m

2,501

1,760

(3,082)

(586)

593

7,463

(2,202)

(1,380)

4,474

81,754

86,228

r d

4

m

)

)

)

)

Financial

Barclays PLC

1. Bas

These condenaccordance wFinancial Repread in conjuin accordance The accountiare the same Future acco During July 20one year to 1 For further in

Going conc

The Directorsfuture. They material unce

Statement

C – 2015 Interim

sis of prep

nsed consolidawith the Discloporting, as adonction with the with IFRSs as

ing policies an as those used

ounting deve

015 the IASB c January 2018

formation on

ern

s confirm theyconfirm that

ertainties.

t Notes

m Results

aration

ated interim finosure and Tran

pted by the Eue annual finans adopted by t

nd methods ofd in the 2014 A

elopments

confirmed the .

future accoun

y are satisfied t it is appropri

nancial statemnsparency Ruleuropean Unionncial statementthe European U

f computationAnnual Report.

deferral of the

nting changes,

that the Groupiate to adopt

56

ments for the ses of the Finann. The condensts for the yearUnion.

n used in these.

e effective date

refer to the Ba

p has adequatthe going co

ix months endcial Conduct A

sed consolidat ended 31 Dec

e condensed c

e of IFRS 15 Re

arclays 2014 A

te resources tooncern basis fo

ded 30 June 20Authority and wted interim finacember 2014,

consolidated i

evenue from C

Annual Report.

o continue in bfor preparing

015 have been with IAS 34 Inancial statemewhich have be

nterim financ

Contracts with

.

business for thaccounts and

prepared in nterim ents should be een prepared

ial statements

Customers by

he foreseeable there are no

s

y

e o

Financial

Barclays PLC

2. Sta

CompensationDeferred bonusCurrent year boSales commissPerformance cSalaries Social security Post retirementOther compensTotal compens Other resourciOutsourcing

Redundancy anTemporary stafOther Total other res Total staff cost

Total staff co

Group pe

A gain in Q115 as t

Other resof 72% to

As a result Gr

No awards haby the Remunthe first six m

Statement

C – 2015 Interim

aff costs

n costs s charge onus charges ions, commitme

costs

costs t benefits sation costs sation costs

ing costs

nd restructuringff costs

sourcing costs

ts

sts decreased

rformance cos

post retiremethe valuation o

ourcing costs o £71m due to

roup compens

ave yet been gneration Comm

months represe

t Notes

m Results

ents and other in

g

15% to £4,86

sts reduced 11

ent benefits of of a componen

decreased 10o one-off restru

sation: adjuste

granted in relamittee until thents an accrua

ncentives

64m:

% to £994m p

f £163m (H114nt of the define

0% to £1,006mucturings in H1

d net operatin

tion to the 20e performancel for estimated

57

primarily reflec

4: £327m exped retirement

m primarily du114

g income ratio

15 bonus pooe for the full yed costs in acco

cting lower de

ense) due to abenefit liability

e to a reductio

o reduced to 3

ol as decisions ear can be ass

ordance with a

ferred bonus c

a £429m (H11y was aligned t

on in redunda

32% (2014: 38

regarding incesessed. The cuaccounting req

Half year ended

30.06.15

£m 472

456

66

994 2,503

307

(163)

217

3,858

543

71 316

76

1,006

4,864

charges

14:£nil) credit to statutory pr

ancy and restru

%).

entive awardsurrent year bonquirements.

Half year ended

30.06.14 £m

573 430 111

1,114 2,510

363 327 296

4,610

532 253 263

72 1,120

5,730

recognised inrovisions

ucturing costs

are not takennus charge for

n

s

n r

Financial

Barclays PLC

3. Ad

Infrastructure Property and eDepreciation ofOperating leaseAmortisation oImpairment of Total infrastru Other costs

Consultancy, leSubscriptions, Marketing, advTravel and accoProvisions for oProvisions for UOther administTotal other cos Total administ

Administratioongoing investrategic cost

4. Tax

Current and

Current tax Deferred tax

Total The deferred

The tax chareffective tax taxed at highpartially offseitems. The UK Summenacted and a

Statement

C – 2015 Interim

ministratio

costs quipment

f property, plante rentals

of intangible asse property, equipcture costs

egal and professpublications, sta

vertising and spoommodation ongoing investigUK customer redtration and genests

tration and gene

on and generaestigations ant programmes

x

d deferred ta

tax asset of £4

rge for H115 wrate is higher

her local statutet by the effec

mer Budget intare therefore n

t Notes

m Results

on and gen

t and equipment

ets ment and intang

sional fees

ationery and comonsorship

gations and litigadress eral expenses

eral expenses

al expenses had litigation pr across infrast

ax assets and

4,031m (2014

was £1,006m than the UK story tax rates,ct of non-taxa

troduced a nunot reflected in

neral expe

t

gible assets

mmunications

ation primarily r

ave increased rimarily relatintructure costs.

d liabilities

4: £4,130m) m

(2014: £895mtatutory tax ra, non-creditabable gains and

umber of chann H115 results

58

nses

relating to Foreig

19% to £4,8ng to Foreign

ainly relates to

m), representiate of 20.25%le taxes, non-

d income, chan

ges impactings.

gn Exchange

801m primarily Exchange. T

Assets 30.06.15

£m 459

4,031

4,490

o amounts in t

ng an effectiv% (2014: 21.5%

deductible expnges in measu

g banks. These

y driven by anhis was partia

31.12.14 £m

334 4,130

4,464

the US and UK

ve tax rate of %) mainly due

penses and churement of de

e changes have

Half year ended

30.06.15

£m

714

279

228

315

54

1,590

493

409

267

113

800

1,032

97

3,211

4,801

n increase in ally offset by

Liabili

30.06.15 £m

(689) (196) (885)

.

32.3% (2014 to profits outshanges in noneferred tax ass

e not yet been

Half year ended

30.06.14 £m

727 292 288 251

10 1,568

729 378 260

97 -

900 115

2,479

4,047

provisions forsavings from

ities 31.12.14

£m

(1,021) (262)

(1,283)

: 35.8%). Theside of the UK

n-UK tax rates,sets and other

n substantively

r m

e K , r

y

Financial

Barclays PLC

5. No

Barclays Bank P- Preference sh- Upper Tier 2 iBarclays AfricaOther non-con

Total Equity attribuGBP.

6. Ear

Profit attributaTax credit on pProfit attributaconvertible optBasic weightedNumber of potDiluted weight Basic earnings Diluted earning

7. Div It is Barclays paid on 15 Juordinary shar Dividends paid

Final dividend p

Interim dividen

For qualifyingADS (represeholders on th

1 The profit af

net amount

Statement

C – 2015 Interim

n-controll

PLC Issued: hares instruments Group Limited

ntrolling interests

utable to non-c

rnings per

ble to ordinary eprofit after tax atble to equity hotions d average numbeential ordinary sted average num

per ordinary shags per ordinary s

vidends on

policy to declaune 2015. The re to sharehold

d during the per

paid during peri

nds paid during p

g US and Canaenting four shahe record at clo

fter tax attributabl of £127m (H114:

t Notes

m Results

ing interes

s

controlling inte

share

equity holders ottributable to othlders of the pare

er of shares in isshares mber of shares

are1 share1

n ordinary s

are and pay div Board has de

ders on the sha

riod

od

period

adian resident ares). The ADose of business

le to other equity £71m), along with

sts

erest decrease

f the parent fromher equity holdeent from continu

ssue

shares

vidends on a qcided to pay oare register on

ADR holders, tR depositary ws on 7 August

holders of £159mh non-controlling in

59

P

H

3

ed 2% to £6,29

m continuing opers uing operations

quarterly basis.on 14 Septembn 7 August 201

the second intwill post the se 2015.

m (H114: £90m) is nterests (NCI) is de

rofit attributablcontrolling

Half year ended

30.06.15 £m

172

1 165

-

338

94m mainly dr

perations

including dilutiv

. The first interber 2015, a se15, making a to

Half year ende

Per share

Pence

3.5p

1.0p

terim dividendecond interim

offset by a tax creeducted from prof

e to non- interests

Half year ended

30.06.14 A£m

237

1 149

3

390

riven by the de

ve impact on

rim dividend foecond interim otal for H115 o

ed 30.06.15

Total

£m

578

168

d of 1p per ord dividend on 1

edit recorded in refit after tax in orde

Equity attricontr

As at 30.06.15 £m

3,654

487 2,149

4

6,294

epreciation of Z

Half Year Ended

30.06.15 £m

1,611 32

1,643

16,678 345

17,023

9.9p 9.7p

or 2015 of 1p dividend for 2of 2p (H114: 2

Half year end

Per share

Pence

3.5p

1.0p

inary share be14 September

eserves of £32m (Her to calculate earn

butable to non-rolling interests

As at 31.12.14£m

3,654 486

2,247 4

6,391

ZAR against

Half Year Ended

30.06.14 £m

1,126 19

1,145

16,296 127

16,423

7.0p 7.0p

per share was2015 of 1p per2p).

ded 30.06.14

Total

£m

564

164

ecomes 4p perr 2015 to ADR

(H114: £19m). Thenings per share.

-s

4 m

s r

r R

e

Financial

Barclays PLC

8. Deri

As at 30.06.15

Foreign exchan

Interest rate de

Credit derivativ

Equity and stoc

Derivative asse

Derivatives in

Derivatives des

Derivatives des

Derivatives des

Derivative asse

Total recognis

As at 31.12.14

Foreign exchan

Interest rate de

Credit derivativ

Equity and stoc

Derivative asse

Derivatives in

Derivatives des

Derivatives des

Derivatives des

Derivative asse

Total recognis Derivative assand continue

Derivative asinstruments airrespective o£397bn) low£182bn) and

Statement

C – 2015 Interim

ivative fina

5

nge derivatives

erivatives

ves

ck index and com

ets/(liabilities) h

Hedge Account

signated as cash

signated as fair v

signated as hedg

ets/(liabilities) d

ed derivative as

4

nge derivatives

erivatives

ves

ck index and com

ets/(liabilities) h

hedge accounti

signated as cash

signated as fair v

signated as hedg

ets/(liabilities) d

ed derivative as

sets decreaseded legacy portf

set exposuresand financial c

of whether thewer. Netting po

£101bn (2014

t Notes

m Results

ancial instr

mmodity derivat

held for trading

ting Relationshi

h flow hedges

value hedges

ges of net invest

designated in h

ssets/(liabilities

mmodity derivat

held for trading

ing relationship

h flow hedges

value hedges

ges of net invest

designated in h

ssets/(liabilities

d by £99bn to folio run down

s would be £3collateral were stricter requirosted on the 4: £184bn) res

ruments

tives

g

ps

tments

edge accountin

s)

tives

g

ps

tments

edge accountin

s)

£341bn priman.

308bn (2014: e permitted forements of IASbalance sheet

spectively.

60

ng relationships

ng relationships

arily reflecting

£398bn) lower all amounts S 32 were mett under IFRS

2

2

s

2

2

3

s

3

an increase in

er than reportthat are cover

t. Similarly, derfor derivative

Contract notional amount

£m

3,613,760

23,653,217

1,076,180

933,049

29,276,206

135,758

154,444

4,033

294,235

29,570,441

3,758,858

26,570,719

1,183,963

1,110,802

32,624,342

102,698

162,898

2,852

268,448

32,892,790

the major inte

ted under IFRred by enforcerivative liabiliti assets and li

Fair va

Assets

£m

56,725

241,937

18,343

23,316

340,321

180

747

64

991

341,312

74,433

308,343

23,507

31,987

438,270

240

1,379

20

1,639

439,909

erest rate forw

S if the nettineable netting aies would be £iabilities was

alue

Liabilities

£m

(61,705)

(234,009)

(16,677)

(30,006)

(342,397)

(69)

(484)

(14)

(567)

(342,964)

(79,281)

(299,881)

(22,367)

(37,094)

(438,623)

(60)

(590)

(47)

(697)

(439,320)

ward curves

ng of financialarrangements,£310bn (2014:£98bn (2014:

l , : :

Financial

Barclays PLC

9. Fai

This section swhich providvaluation metvaluations. Th

Valuation

The following(fair value hie

As at 30.06.15Trading portfoFinancial assetDerivative finanAvailable for saOther1 Total assets Trading portfoFinancial liabilitDerivative finanOther1 Total liabilities As at 31.12.14Trading portfoFinancial assetDerivative finanAvailable for saOther1 Total assets Trading portfoFinancial liabilitDerivative finanOther1 Total liabilities

1 Other includ

value on a n£207m).

Statement

C – 2015 Interim

ir value of

should be reades more detailthodologies ushere have been

g table shows terarchy) and b

5 lio assets s designated at ncial assets ale assets

lio liabilities

ties designated ncial liabilities

s

4

lio assets s designated at ncial assets ale assets

lio liabilities

ties designated ncial liabilities

s

des assets and liabnon-recurring bas

t Notes

m Results

financial in

d in conjunctio about accounsed in calculatn no changes

the Group’s asalance sheet c

fair value

at fair value

fair value

at fair value

bilities held for salsis. This decreased

nstrument

on with Note 1nting policies ating fair value ain the account

ssets and liabilclassification:

le of £4,154m (20d due to the sale o

61

ts

8 Fair value ofadopted, the dand, the valuatting policies ad

lities that are h

m

14: £15,574m) anof the Spanish bu

f financial instrdefinitions of thtion control fradopted or the v

held at fair valu

Valuatio

Quoted market prices

(Level 1)

£m

39,784

7,101

7,162

46,821

-

100,868

(24,306)

(9)

(7,205)

-

(31,520)

£m

48,962

9,934

9,863

44,234

33

113,026

(26,840)

(15)

(10,313)

-

(37,168)

nd £1,909m (2014usiness in Q115. It

ruments of thehe three levels amework whicvaluation met

ue disaggregat

on technique usi

Observable inputs

un

(Level 2) £m

52,580 8,226

330,543 47,585

- 438,934

(17,497) (49,329)

(332,479) -

(399,305)

£m 59,428

8,461 425,301

40,519 198

533,907

(17,935) (55,141)

(424,687) -

(497,763)

4: £13,115m) respet also includes inv

e 2014 Annual of the fair valuch governs ovehodologies us

ted by valuatio

ing Significant

nobservable inputs

(Level 3) £m

5,684 18,008

3,607 1,804 4,310

33,413

(15) (1,946) (3,280) (1,909) (7,150)

£m 6,327

19,905 4,745 1,313

15,550 47,840

(349) (1,816) (4,320)

(13,115) (19,600)

ectively, which arevestment property

l Report, ue hierarchy, ersight of ed.

on technique

Total

£m 98,048 33,335

341,312 96,210

4,310 573,215

(41,818) (51,284)

(342,964) (1,909)

(437,975)

£m 114,717

38,300 439,909

86,066 15,781

694,773

(45,124) (56,972)

(439,320) (13,115)

(554,531)

e measured at fairy of £156m (2014:

r :

Financial

Barclays PLC

The following(fair value hie

As at 30.06.15Interest rate deForeign exchanCredit derivativEquity derivativCommodity deGovernment andebt Corporate debtCertificates of dand other monReverse repurcagreements Non-asset backAsset backed sCommercial reIssued debt Equity cash proFunds and fundPhysical commOther2 Total As at 31.12.14Interest rate deForeign exchanCredit derivativEquity derivativCommodity deGovernment andebt Corporate debtCertificates of dand other monReverse repurcagreements Non-asset backAsset backed sCommercial reIssued debt Equity cash proFunds and fundPhysical commOther2 Total

Assets and lia

There were n

1 Credit deriva2 Other includ

property.

Statement

C – 2015 Interim

g table shows terarchy) and p

5 erivatives

nge derivatives ves1 ves erivatives nd government

t deposit, comme

ney market instruchase and repurc

ked loans securities al estate loans

oducts d linked product

modities

4

erivatives


t deposit, comme

ney market instruchase and repurc



modities

abilities reclas

o transfers bet

atives also includesdes non-current as

t Notes

m Results

the Group’s asproduct type:

sponsored

ercial paper uments chase

ts

sponsored

ercial paper uments chase

ts

ssified betwee

tween Level 1

s derivative exposussets and liabilities

ssets and liabil

Valuat

Quoted

market prices (Level 1)

£m

- 52

- 4,855

2,255

61,373

215

88

- - - - -

32,025

- - 5

100,868

- 4 -

3,847

6,012

62,577

151

78

- 1

30 - -

40,252

- 4

70

113,026

en Level 1 and

and 2 during

ure to monoline in held for sale, priva

62

lities that are h

Assets

ion technique u

Observable inputs

(Level 2)

u

£m

241,954 56,635 16,600

7,931 7,422

60,197 12,689

1,101

4,571 1,964

16,246 - -

8,044 1,752

861 967

438,934

308,706 74,358 21,541

9,750 10,946

48,296 22,036

921

5,236 2,462

16,211 - -

7,823 2,644 1,447 1,530

533,907

d Level 2

the period (20

nsurers. ate equity investm

held at fair valu

using

Significant unobservable

inputs (Level 3)

£m

901 110

1,743 794

59

867 3,071

-

- 16,396

1,202 613

- 207 562

- 6,888

33,413

1,239 108

1,966 1,247

185

1,014 3,061

-

- 17,744

1,631 1,180

- 171 631

- 17,663 47,840

014: nil).

ments, asset backed

ue disaggregat

Valua

Quoted market prices

(Level 1) £m

- (45) - (4,851) (2,309)

(9,957) (22)

(5)

- - - - - (14,326) - - (5) (31,520)

(5) (3) - (3,719) (6,586)

(11,563) -

(4)

- - - - (10) (15,276) - - (2) (37,168)

d loans, US Lehma

ted by valuatio

Liabilities ation technique

Observable inputs

(Level 2) £m

(233,622) (61,570) (16,416) (13,054) (7,816)

(13,361) (3,189)

(5,182)

(4,785) - (354) - (36,715) (1,277) (1,904) (28) (32) (399,305)

(299,181) (79,188) (21,958) (13,780) (10,580)

(14,002) (3,572)

(6,276)

(5,423) - (67) - (40,592) (699) (2,060) (363) (22) (497,763)

an acquisition asse

on technique

using Significant

unobservable inputs

(Level 3) £m

(938) (106) (260)

(1,670) (306)

(12) (29)

(857)

- - - -

(726) -

(161) -

(2,085) (7,150)

(1,344) (138) (409)

(2,092) (337)

(346) (13)

(665)

- - - -

(749) -

(210) -

(13,297) (19,600)

ets and investmentt

Financial

Barclays PLC

Level 3 move

The followingand includes been reflected

Government andgovernment spondebt Corporate debt Asset backed secNon-asset backeFunds and fund lproducts Other Trading portfolio Commercial real loans

Non-asset backeAsset backed loaPrivate equity investments Other Financial assets designated at fai Asset backed secGovernment andgovernment spondebt Other Available for saleinvestments Other1

Trading portfolioliabilities

Certificates of decommercial papeother money market instruments Issued debt Other Financial liabilitiedesignated at fai Interest rate derivCredit derivativesEquity derivativesCommodity derivForeign exchangederivatives Net derivative fininstruments2 Total

1 Other consisfor sale of £

2 The derivativ£4,745m) an

Statement

C – 2015 Interim

ement analysis

g table summa amounts for ad as if they ha

As a01.01.1

£m nsored

6853,026

curities 1,610d loans 273inked

589144

o assets 6,327

estate 1,179

d loans 17,471ans 393

701161

ir value 19,905

curities 1 nsored

327985

e 1,313

207

o (349

eposit,

er and

(666(748(402

es ir value (1,816

vatives (105s 1,557s (845vatives (152e

(30nancial

425

26,012

sts of investment p1,909m (2014: £13ve financial instrumnd derivative finan

t Notes

m Results

s

arises the movall financial asd taken place

at 15 Purchases m £m

5 27 6 112 0 1,305 3 171

9 - 4 71 7 1,686

9 1,538 1 - 3 470

1 72 1 2

5 2,082

1 -

7 195 5 11

3 206

7 -

9) -

6) - 8) - 2) -

6) -

5) - 7 276 5) 138 2) -

0) -

5 414

2 4,388

property. Non-curr3,115m) are not inments are represen

ncial liabilities total

vements in thssets and liabiat the beginni

Sales Iss£m

(28) (66)

(1,274) (217)

(7) (15)

(1,607)

(1,916) -

(444)

(110) (4)

(2,474)

-

(203) (32)

(235)

(65)

-

- ( - -

- (

(4) (12) - (3 -

(1)

(17) (3

(4,398) (3

rent assets held foncluded as these anted on a net basilled £3,280m (201

63

e Level 3 balalities transferreng of the year

sues Settleme£m

- - - (5 -

- ( - - (59

- (1 - (3 -

- -

- (55

-

- -

-

-

-

(35) (1) 13

-

(36) 13

- ( -

352) 9 -

(3) 2

355) 7

391) (93

or sale of £4,154mare measured at faiis. On a gross basi4: £4,320m).

ance during thed to and from.

ents

Total gains anthe period rec

the income s

Trading income

£m £m

(2) (12) - 53 49) 60 (3) (12)

32) (50) (9) (2)

95) 37

85) (6) 64) (925) - 6

(2) 2 - (10)

51) (933)

- -

- - - -

- -

- -

- -

- - 30 22 - (7)

30 15

46) 18 (6) (321)

96 101 8 16

25 9

77 (177)

39) (1,058)

m (2014: £15,574mir value on a non-ris derivative financ

e year. The tam Level 3 duri

nd losses in cognised in statement

Total gor los

recognin O

Other income

£m

- - - -

- - -

- - -

(22) 2

(20)

-

- 499

499

14

-

(9) - 56

47

- - - -

-

-

540

m) and liabilities inrecurring basis. cial assets as at 30

able shows gaing the year. T

gains sses nised

OCI

Transfe

In £m £m

- 15 - 2 - 56 - -

- 20 - - - 93

- - - - - -

- - - -

- -

- -

3 - 17 19

20 19

- -

- (14)

- (397) - (163) - -

- (560)

- (40) - (11) - (30) - (241)

- (21)

- (343)

20 (805)

n a disposal group

0 June 2015 totalle

ins and lossesTransfers have

ers

As a30.06.15Out

£m £m

(142) 543 (91) 3,036 (24) 1,184 - 212

- 520 - 189

(257) 5,684

- 610 - 16,182 (1) 424

- 641 - 151

(1) 18,008

(1) -

- 322 (17) 1,482

(18) 1,804

- 156

348 (15

249 (85815 (74510 (343

274 (1,946

138 (39 - 1,483 18 (874

123 (246

24 3

303 327

649 24,018

p classified as held

ed £3,607m (2014:

s e

at 5

m

)

8) ) )

)

9)

4) 6)

d

:

Financial

Barclays PLC

Government andgovernment spondebt Corporate debt Asset backed secNon-asset backeFunds and fund lproducts Other Trading portfolio Commercial real loans

Non-asset backeAsset backed loaPrivate equity investments Other Financial assets designated at fai Asset backed secGovernment andgovernment spondebt Other Available for saleinvestments Other 1

Trading portfolioliabilities

Certificates of decommercial papeother money marinstruments

Issued debt Other Financial liabilitiedesignated at fai Interest rate derivCredit derivativesEquity derivativesCommodity derivForeign exchangederivatives Net derivative fininstruments 2 Total

Asset and liaactivity relateas Level 3 if a

Net transferscommercial pdriven by lesswere transfer

Net transfersgovernment sother money

1 Other consisfor sale of £

2 The derivativ£4,745m) an

Statement

C – 2015 Interim

As01.01

£ nsored

163,03

curities 2,11d loans 17inked

4944

o assets 6,42

estate 1,19

d loans 15,95ans 37

1,167

ir value 18,77

curities

nsored

52,08

e 2,14

45

o -

eposit, er and rket

(40(1,16

(6es ir value (1,64

vatives (1s 1,42s (60vatives (14e

3nancial

69

26,84

bility moves bed to an input an unobservab

s into Level 3 tpaper and oths observable inrred into Level

s out of Levesponsored deb market instru

sts of investment p1,909m (2014: £13ve financial instrumnd derivative finan

t Notes

m Results

s at.14 Purchases£m £m

61 96 39 177

1 1,037 76 250

94 - 40 8 21 1,568

98 2,919 56 2 75 855

68 173 73 75

70 4,024

1 -

59 281 85 37

45 318

51 47

- -

09) - 64) - 67) -

40) -

15) 5 20 11 01) 86 41) -

31 -

94 102

41 6,059

between Level or ii) a chang

ble input is dee

totalled £(805her money manputs for secu 3 due to a dec

el 3 totalled £bt held as tradments which a

property. Non-curr3,115m) are not inments are represen

ncial liabilities total

Sales Iss£m

(198) (332)

(1,552) (30)

(92) (369)

(2,573)

(2,678) (177) (777)

(500) (1)

(4,133)

-

(12) (78)

(90)

(238)

-

- (25 - ( - (34

- (6

45 - (12) (30 -

(12)

21 (3

(7,013) (92

2 and Level 3e in the signifmed significan

5)m (2014: £4arket instrumeurities with macrease in obse

£649m (2014ding portfolio lare designated

rent assets held foncluded as these anted on a net basilled £3,280m (201

64

ues Settlemen£m £

- (4- (37- (14- (4

- -- 5- (55

- (33- (8-

- (1- (3

- (46

- -

- - (1,69

- (1,69

- -

- -

54) 116) 2941) 1

11) 31

(5)- 405) 11(3) (1

(4) (7

17) 8

28) (2,31

are primarily ficance of the nt.

431m). This wents and £(16aturities beyonrvable pricing

: £155m). Thiabilities and £

d at fair value a

or sale of £4,154mare measured at faiis. On a gross basi4: £4,320m).

nts

Total gains andthe period reco

the income st

Trading income

£m £m

46) 5 70) 484 41) 178 49) 2

- (17)54 22 52) 674

34) 76 81) 1,830 (4) 19

11) 4 35) 9

65) 1,938

- -

(1) - 94) 1

95) 1

- -

- (3)

2 2 93 88

0 6

5 96

7 (358)42 121

3 (278)10) 4

71) (6)

81 (517)

16) 2,189

due to i) an inunobservable

was primarily d3)m of issuedd 5 years. A fu for crude oil.

his was prima£249m of certas a result of m

m (2014: £15,574mir value on a non-ris derivative financ

d losses in ognised in atement

Total gor lo

recognin

Other income

£m

- - - -

- - -

(2)9

-

82 32

121

-

- 586

586

5

-

88 - 30

118

- - - -

-

-

830

ncrease or dec input, with as

due to £(397)md debt which aurther £(241)m

arily due to £tificates of depmore observab

m) and liabilities inrecurring basis. cial assets as at 30

gains osses nised n OCI

Transfer

In£m £m

- 676 - 39 - 8 - 13

- 204 - - - 940

- - - - - 1

- - - 2

- 3

- -

- - 74 4

74 4

- -

- (346)

- (108) - (48) - (40)

- (196)

- 103 - (81) - (14) - (11)

- 29

- 26

74 431

crease in obsessets and liabil

m of certificatare designatedm of commod

£348m of govposit, commercble valuation in

n a disposal group

0 June 2015 totalle

rs

As at31.12.14Out

£m £m

(9) 685 (11) 3,026 (31) 1,610 (89) 273

- 589 (11) 144

(151) 6,327

- 1,179 (68) 17,471 (76) 393

(215) 701 6 161

(353) 19,905

- 1

- 327 (30) 985

(30) 1,313

(58) 207

- (349)

3 (666)99 (748) - (402)

102 (1,816)

113 (105)44 1,557

166 (845)9 (152)

3 (30)

335 425

(155) 26,012

ervable marketlities classified

tes of deposit,d at fair value

dity derivatives

vernment andcial paper and

nputs.

p classified as held

ed £3,607m (2014:

t 4

m

)

)))

)

) ))

)

t d

, e s

d d

d

:

Financial

Barclays PLC

Unrealised g

The followingliabilities held

Unrealised gai

Trading portfo

Financial asset

Available for sa

Trading portfo

Financial liabilit

Net derivative f

Other

Total

Valuation te

A sensitivity areasonably potechniques usalternative m

Current year vfinancial instr

1 Amounts as

Statement

C – 2015 Interim

gains and los

g table disclosd at the period

ns and losses re

lio assets

s designated at

ale assets

lio liabilities

ties designated

financial instrum

echniques an

analysis is perfossible alternased, as well asodels.

valuation and ruments in the

at 30.06.15 repres

t Notes

m Results

sses on Leve

ses the unreali end.

ecognised durin

fair value

at fair value

ments

nd sensitivity

formed on proative valuationss the availabilit

sensitivity mee 2014 Annual

sent six months un

el 3 financial

sed gains and

ng the period on

Trin

(

y analysis

oducts with sigs. The sensitivty and reliabilit

ethodologies a Report.

nrealised gains an

65

assets and l

d losses recogn

n Level 3 financ

As at 3Income

statement

rading come

Other income

£m £m

(55) -

(763) (70)

- 470

- -

16 50

(267) -

- (8)

1,069) 442

gnificant unobsity methodolo

ty of observabl

re consistent w

d losses, whereas

iabilities

nised in the ye

cial assets and li

30.06.15

Other comprehensive income To

m £m

-

) - (8

42

-

-

- (2

) -

42 (5

servable inputogies applied tale proxy and h

with those des

as at 31.12.14 rep

ear arising on

iabilities held at

otal

In

stat

Tradingincome

£m £m

(55) 466

833) 1,849

512

- (3

66 98

267) (238

(8)

585) 2,172

s (Level 3) to gake account ofistorical data a

scribed within

present 12 months

Level 3 financ

t period end1

As at 31.12come tement

Otcomheninc

g e

Other income

m £m

6 -

9 (9)

- 572

3) -

8 118

8) -

- 5

2 686

generate a ranf the nature ofand the impac

Note 18 Fair v

s.

cial assets and

2.14

ther mpre- nsive come Total

£m £m

- 466

- 1,840

80 652

- (3)

- 216

- (238)

- 5

80 2,938

nge of f valuation ct of using

value of

d

Financial

Barclays PLC

Sensitivity ana

Product type As at 30.06.15Interest rate deForeign exchanCredit derivativEquity derivativCommodity deGovernment ansponsored debCorporate debtCertificates of dpaper and otheinstruments Non-asset backAsset backed sCommercial reIssued debt Equity cash proFunds and fundPhysical commOther2 Total As at 31.12.14Interest rate deForeign exchanCredit derivativEquity derivativCommodity deGovernment ansponsored debCorporate debtCertificates of dpaper and otheinstruments Non-asset backAsset backed sCommercial reIssued debt Equity cash proFunds and fundOther2 Total

The effect of of using alterup to £1,324m

1 Credit deriva2 Other includ

backed loan

Statement

C – 2015 Interim

alysis of valuatio

5 erivatives


bt t deposit, commeer money marke



modities

4

erivatives


bt t deposit, commeer money marke



stressing unornative modelsm (2014: £1,6

atives includes derdes non-current asns, US Lehman acq

t Notes

m Results

ons using unobs

ercial et

ts

ercial et

ts

observable inpus would be to i691m) with sub

rivative exposure tossets and liabilitiesquisition assets and

servable inputs Fair valueTotal

assets £m

901

110

1,743

794

59

867

3,071

- 16,396

1,202

613

- 207

562

- 6,888

33,413

1,239

108

1,966

1,247

185

1,014

3,061

- 17,744

1,631

1,180

- 171

631

17,663

47,840

uts to a range ncrease fair vabstantially all t

o monoline insurers held for sale, whid investment prope

66

e

Total liabilities

£m

(938) (106) (260)

(1,670) (306)

(12) (29)

(857) - - -

(726) -

(161) -

(2,085) (7,150)

(1,344) (138) (409)

(2,092) (337)

(346) (13)

(665) - - -

(749) -

(210) (13,297) (19,600)

of reasonablyalues by up to the potential e

rs. ich are measured erty.

Favourable c

Income statement

£m

91 18 32

151 24

- 12

3 1,124

24 15

- - 2 -

151 1,647

70 36 81

220 46

- 26

3 1,164

46 20

- -

14 180

1,906

y possible alter £1,647m (201ffect impactin

at fair value on a

changes

Equity £m

- - - 1 -

1 -

- - - - - 9 - -

68 79

- - - - -

- (1)

- - 1 - -

11 -

82 93

rnatives along14: £1,906m) og profit and lo

non-recurring bas

Unfavourabl

Income statement

£m

(101) (18) (76)

(151) (24)

(7) (10)

3 (748)

(16) (9)

- -

(2) -

(165) (1,324)

(71) (36)

(229) (220)

(46)

(2) (9)

3 (820)

(72) (19)

- -

(14) (156)

(1,691)

side considerior to decrease

oss rather than

sis, private equity i

le changes

Equity £m

- - -

(1) -

- -

- - - - -

(9) - -

(57) (67)

- - - - -

- (4)

- -

(1) - -

(11) -

(55) (71)

ng the impacte fair values byn equity.

investments, asset

t y

t

Financial

Barclays PLC

Significant u

The valuationas Level 3 aresignificant unassets or liabof the 2014 Aclassified as hrecurring bas

Fair value a

Key balance sbelow:

Bid-offer valuat

Other exit adju

Funding Fair Va

Derivative cred

- Monolines

- Other derivat

Derivative debi

FFVA dec

CVA decrother deri

DVA incre

Portfolio ex

The Group usfinancial asselong position exposure in a

Unrecognis

The amount tvalue at initiaused on initia(2014: nil) an

The reserve h

Third party

Structured anFederal DepoBarclays and are designatebalance sheet

Statement

C – 2015 Interim

unobservabl

n techniques ae consistent wnobservable inilities to increa

Annual Report.held for sale ofsis.

djustments

sheet valuation

tion adjustment

ustments

alue Adjustment

dit valuation adju

tive CVA

t valuation adju

reased by £20

reased by £66ivative counte

eased by £62m

xemption

ses the portfolets and financi (i.e. an asset)

an orderly tran

ed gains as a

that has yet toal recognition) al recognition, nd £12m (2014

held for unreco

credit enhan

nd brokered ceosit Insurance C other banks ped under the IAt value of thes

t Notes

m Results

le inputs

nd significant ith Note 18 Faputs and the s

ases in signific. Non-current f £1,909m (20

n adjustments

ts

ts (FFVA)

ustments (CVA)

stments (DVA)

0m to £80m as

m to £352m arparties

m to £239m as

io exemption ial liabilities. As for a particulasaction betwe

a result of th

o be recognised and the amouless amounts 4: £41m) of am

ognised gains

ncements

ertificates of deCorporation (F

pay for deposit AS 39 fair valuse brokered ce

unobservable ir value of fina

sensitivity of faant unobservaassets held for

014: £13,115m

that may be o

:

s a result of an

as a result of

s a result of a w

in IFRS 13 Fairssets and liabiar risk exposureen market par

he use of valu

d in income thunt that wouldsubsequently

mortisation an

is predominan

eposit issued bFDIC) in the Un insurance cove option includrtificates of de

67

inputs for assancial instrumeair value measuable inputs is ar sale of £4,15

m) are not inclu

of interest from

n interest rate s

reduced expos

widening in Ba

r Value Measulities are measre or to transferticipants at th

uation mode

hat relates to thd have arisen h recognised, isd releases.

ntly related to d

by Barclays Grnited States ofverage. The cades this third peposit was £3,4

sets and liabilitents in the 201urement of the

also found in N4m (2014: £1

uded as these a

m a financial st

sell-off

sures from int

arclays’ credit s

rement to measured using theer a net short phe balance she

els using uno

he difference bad valuation m £105m (2014

derivative fina

oup are insuref America. Thearrying value ofparty credit en428m (2014: £

ties recognised14 Annual Repe instruments

Note 18 Fair va5,574m) and lare measured

tatement user

terest rate mo

spread

asure the fair ve price that woposition (i.e. a et date under

observable in

between the trmodels using u4: £96m). Ther

ncial instrume

ed up to $250, FDIC is fundef these issued hancement. A

£3,650m).

d at fair value aport. The descr categorised aslue of financiaiabilities in a dat fair value on

perspective ar

30.06.15

£m

(389)

(148)

(80)

(9)

(343)

239

ves on both M

value of certainould be receive liability) for a current marke

nputs

ransaction pricunobservable ire are addition

ents.

000 per deposed by premium certificates of

At 30 June 2015

and classified ription of the s Level 3

al instruments disposal groupn a non-

re quantified

31.12.14

£m

(396)

(169)

(100)

(24)

(394)

177

Monolines and

n groups of ed to sell a netparticular risk

et conditions.

ce (the fair nputs been

ns of £21m

sitor, by the ms that f deposit that 5, the on-

d

t

Financial

Barclays PLC

Comparison

Valuation meare consisten

The followingbalance sheet

Financial asset

Loans and adva

Loans and adva

- Home loans

- Credit cards,

- Finance lease

- Corporate loa

Reverse repurc

Financial liabil

Deposits from

Customer acco

- Current and d

- Savings accou

- Other time de

Debt securities

Repurchase ag

Subordinated l

10. Subo

Opening balanIssuances Redemptions Other

Total dated an

Subordinated

There weSubordina

RedemptiCallable N

Other moreduction

Statement

C – 2015 Interim

n of carrying

ethodologies ent with the 201

g table summat where carryi

ts

ances to banks

ances to custom

unsecured and o

e receivables

ans

chase agreement

ities

banks

ounts:

demand account

unts

eposits

s in issue

reements and o

iabilities

ordinated

ce as at 1 Janua

nd undated subo

d liabilities dec

ere new issuanated Notes (ZA

ions include £Notes (ZAR 2,0

ovements of £1n in accrued int

t Notes

m Results

g amounts an

mployed in ca4 Annual Rep

arises the fair vng amount is n

mers:

other retail lend

ts and other sim

ts

other similar secu

liabilities

ry

ordinated liabilit

reased 7% to

nces of £97mAR 807m)

265m 6.140%000m) and £97

1.1bn include aterest

nd fair values

alculating the fort disclosure.

value of financnot a reasonab

ing

milar secured len

ured borrowing

ties as at period

£19,664m:

m Floating Rate

% Fixed Rate G7m 4.75% Fixe

a £443m redu

68

s for assets a

fair value of fin.

cial assets and ble approxima

nding

d end

e Subordinate

uaranteed Pered Rate Subord

ction as GBP s

and liabilities

nancial assets a

liabilities meation of fair val

As at 30.06

Carrying amount

£m

44,548

164,341

59,480

5,118

201,780

93,138

(55,978)

(134,345)

(133,294)

(170,632)

(75,525)

(85,092)

(19,664)

d Notes (ZAR

rpetual Suborddinated Notes

strengthened a

s not held at

and liabilities m

sured at amorue:

6.15

Fair value

£m

44,111

158,023

59,315

5,020

200,552

93,138

(55,974)

(134,325)

(133,340)

(170,701)

(76,609)

(85,092)

(20,944)

R 1,693m) and

dinated Notes, 2015 (US$ 15

against USD, E

fair value

measured at a

rtised cost on t

As at 31

Carrying amount

£m

42,111

166,974

63,583

5,439

191,771

131,753

(58,390)

(143,057)

(131,163)

(153,484)

(86,099)

(124,479)

(21,153)

As at 30.06.15

£m 21,153

144 (534)

(1,099)

19,664

d £47m 10.05

£116m 8.1% 50m)

EUR and ZAR a

mortised cost

the Group’s

1.12.14

Fair value

£m

42,088

159,602

63,759

5,340

188,805

131,753

(58,388)

(143,085)

(131,287)

(153,591)

(87,522)

(124,479)

(22,718)

As at 31.12.14

£m 21,695

826 (1,695)

327

21,153

5% Fixed Rate

Subordinated

and a £402m

e

d

Financial

Barclays PLC

11. Pro

UK Customer R - Payment Pro - Interest rate - Packaged BaOther customeLegal, competitRedundancy anUndrawn contrOnerous contraSundry provisioTotal

Payment Pro

As at 30 JuneInsurance (PP

Through to 3The volume othan previous

As a result ofH115.

The provisiojudgement an

Customercustomer

Proactive

Uphold ra

Average cpolicy/po

These assuminclude comp

The current ppossible the increased or dwill be incurre

The followingprovision calcprove too hig

1 Total claims

mailing. Thi2 Average uph3 Average red

Assumption Customer initiaProactive mailiResponse rate tAverage upholdAverage redres

Statement

C – 2015 Interim

ovisions

Redress otection Insuranchedging producnk Accounts

er redress tion and regulatnd restructuringractually commiacts ons

otection Insura

e 2015 BarclayPI) redress and

30 June 2015, of claims recesly expected, d

f the lower tha

n is calculatend modelling:

r initiated claimrs where the vo

response rate

ate – the perce

claim redress -olicies

mptions remainplaints driven b

provision repreventual outcdecreased acced during 201

g table detailsculation and a

gh or too low.

s received to date,is sensitivity includhold rate per claim

dress stated on a p

ated claims receng to proactive mad rate per claim2

ss per valid claim

t Notes

m Results

ce redress ct redress

tory matters g itted facilities an

ance Redress

ys had recognid associated p

1.4m (31 Deceived during Hdue to steady l

an expected de

ed using a nu

m volumes – colume is antici

e – volume of c

entage of claim

- the expected

n subjective, by CMC activit

esents Barclaycome may difcordingly. The5 and 2016.

s by key assua sensitivity an

including those redes the associated

m excludes those foer policy basis.

ived and proces

iling 2

m3

nd guarantees

ised cumulativrocessing cost

cember 2014: H115 decrease

evels of claims

ecline in claim

umber of key

claims receiveipated to decli

claims in respo

ms that are uph

average paym

in particular dty.

ys’ revised besffer from the e current forec

mption, actuanalysis illustrat

eceived via CMCs costs of FOS refer

or which no PPI po

ssed1

69

ve provisions tts with utilisati

1.3m) customd 14% compas from Claims

ms additional p

y assumptions

ed but not yet ne over time

onse to proacti

held as being v

ment to custom

due to the un

st estimate of current estimast indicates t

al data througting the impac

but excluding thorrals and operatinglicy exists.

totalling £6.0bion of £4.7bn

mer initiated cared to H214. Management

rovisions total

s which conti

processed and

ive mailing

valid upon revi

mers for upheld

ncertainty ass

all future expmate. If this we

that the large m

gh to 30 June ct on the prov

ose for which no Pg costs.

Cumulative actual

to 30.06.15 1,420k

680k 25% 84%

£1,794

30.

3

bn against the leaving a resid

laims1 had be This rate of d Companies in

lling £750m h

nue to involv

d an estimate

ew

d claims based

ociated with

pected costs oere to be matmajority of cos

2015, forecasvision if the fu

PPI policy exists an

Future Exp

£

As at .06.15

£m

1,268

108 250 398 484 261

79 164 275

3,287

cost of Paymedual provision

een received adecline howevn particular.

ave been reco

ve significant

of future claim

d on the type a

future claims

of PPI redress, terial, the prosts included in

st assumptionuture expected

nd excluding respo

pected

Sensincre

270k 133k 23% 87%

£1,781

As at 31.12.14

£m

1,059

211 -

375 1,690

291 94

205 210

4,135

ent Protectionof £1.3bn.

nd processed.er was slower

ognised during

management

ms initiated by

and age of the

levels, which

however, it isovision will ben the provision

ns used in thed assumptions

onses to proactive

itivity Analysis ease/decrease

in provision 50k = £91m 50k = £15m

1% = £4m 1% = £6m

£100 = £30m

n

. r

g

t

y

e

h

s e n

e s

e

Financial

Barclays PLC

A 2014 deciscommissionsunder the prodetermine anpracticable tothe outcome

Packaged ba

As at 30 Juneincurred in re

The provisionmost significaredress per cl

12. Ret

As at 30 JuneFund (UKRF),

The moveme2015 and a d3.79% pa (20addition, the the defined bconsistent wi

The UKRF disspot yields arone of the fouslope of the gAA by either oJune 2015 waafter 2015.

The latest triecompleted in scheme-speceliminate the longevity ass

The recovery contributions2017 to 2021These deficit accruing over

In non-valuatupdate was cin funding de

Statement

C – 2015 Interim

sion of the UK s payable in coovisions of theny possible wido provide an es of this matter

nk account re

e 2015 Barclaysesponse to com

n has been calcant assumptiolaim.

tirement b

e 2015, the Gro, which is the G

ent for the UKRecrease in the

014: 3.67% pa)assumptions henefit liability ith statutory p

scount rate assre assumed to ur largest ratingovernment yieof the two largas a £0.4bn de

ennial actuaria 2014 and sho

cific funding ta deficit of the Uumption for fu

plan to elimins of £300m are

. Up to £500m contributions r each year.

tion years, thecarried out as aeficit over the y

t Notes

m Results

Supreme Counnection with UK Consumer

der impact of sstimate of the will not be ma

edress

s holds a provmplaints receiv

culated using aon being volum

benefits

oup’s IAS19 peGroup’s main s

RF is due to an liabilities. The) partially offsehave been updwas revised torovisions, resu

sumption at 30 remain flat aftng agencies. Teld curve in exgest rating ageecrease with no

al valuation of owed a deficit arget, statemenUKRF. The maunding and a d

nate the deficite payable in 20m of the 2021 d are in addition

e Scheme Actuat 30 Septembyear to 30 Sept

rt (Plevin) held the sale of sinr Credit Act. Basuch decision o financial impaaterial.

ision of £250mved relating to

a number of ame of future co

ension deficit ascheme, had a

increase in ase decrease in thet by an increa

dated for curreo use the long ulting in a £429

0 June 2015 is ter year 30 and

This compares xtrapolating coencies. The imo impact on cu

the UKRF was of £3.6bn andnt of funding pin differences

different appro

t will result in t015, and also ideficit contribn to the regula

uary prepares aber 2014 and stember 2014 c

70

d that, judged ngle premium arclays is in anon its historicaact the Plevin d

m for custome Packaged Ban

ssumptions womplaints, toge

across all schea deficit of £0.7

sset values, thehe liabilities caase in long terment market con term Consum9m (H114: £n

set using a vad the corporat to the RATE:L

orporate spot ympact of this churrent year pro

carried out wd a funding leveprinciples, a sc between the f

oach to setting

the Bank payinn 2016. Furtheutions are pay

ar contribution

an actuarial anshowed a deficcan be mainly

on its own facPPI to a custo

n active dialogual sales of PPI. decision could

r redress and ank Accounts.

which involve sether with ave

emes was £1.17bn (2014: £1

e Bank paying an be linked tom expected infnditions, and iner Price Index il) gain.

ariant of the Tote bond univerLink model preyields beyond hange on the Uofit. It is not po

ith an effectiveel of 87.4%. Th

chedule of confunding and IA

g the discount

ng deficit contrer deficit contr

yable in 2017 dns to meet the

nnual update ocit of £4.6bn a attributed to t

cts, non-disclomer could creaue with the FC Due to this un have and ther

associated ope

ignificant manrage complain

bn (2014: £1.5.1bn).

£150m of defio an increase inflation to 3.25n Q115 the val rather than th

owers Watson se includes bo

eviously used wyear 30, and o

UKRF Defined ossible to estim

e date of 30 Sehe Bank and thtributions and

AS 19 assumptrate.

ributions to thributions of £7depending on t Group’s share

of the fundingand a funding lthe fall in real g

sure of the amate an unfair r

CA and the FOSncertainty it is re can be no a

erational costs

nagement judgnt uphold rate

5bn). The UK R

icit contribution the discount % pa (2014: 3luation of a co

he Retail Price

RATE:Link moonds rated AA which incorporonly included bBenefit Obligamate the effec

eptember 2013he Trustee agr

d a recovery plations are a mo

e Fund until 20740m pa are pthe deficit leve

e of the cost of

g position. Thelevel of 85.4%gilt yields over

mount of elationship S to not currently ssurance that

s to be

gment; the and average

Retirement

ons during rate to

3.05% pa). In omponent of Index,

odel where AA by at least rated the bonds rated ation at 30 cts on profits

3. This was reed a an to re prudent

021. Deficit ayable during

el at that time. f benefits

e latest annual%. The increase

r the year.

A

l e

Financial

Barclays PLC

13. Cal

Called up shathe issuance

14. Oth

Other Equity during 2013 a

The AT1 secuCRD IV.

15. Ot

Currency trans

Available for sa

Cash flow hedgOther

Total

Currency tr

As at 30 Juneincrease of £4currency tranthe depreciat

During the pein the Income

Available fo

As at 30 June(2014: £414m£853m due to

Cash flow h

The cash flowwill be recycle

As at 30 June£634m (2014hedging purpcredit of £159

Treasury sh

During the peshares held foreflecting the

Statement

C – 2015 Interim

lled up sha

are capital comof shares unde

her equity

Instruments oand 2014.

urities are per

ther reserv

lation reserve

ale reserve

ging reserve

anslation res

e 2015 there 463m debit (2

nslation reservtion of ZAR ag

eriod a £87m ne Statement. T

or sale reserv

e 2015 there wm increase) wo fair value he

hedging rese

w hedging reseed to the incom

e 2015 there w4: £1,544m inposes as intere9m.

hares

eriod £568m (or the purpose

e vesting of def

t Notes

m Results

are capital

mprises 16,773er employee sh

instrumen

of £4,325m (2

petual securit

ves

serve

was a debit b2014: £560m ce associated wainst GBP.

net loss (2014This principally

ve

was a balance was largely driv

dging, £312m

rve

erve representme statement

was a balancencrease) princiest rate forwa

(2014: £909mes of employeferred share ba

3m (2014: 16,hare schemes

nts

2014: £4,322m

ies with no fix

balance of £1,0credit) principawith non-contr

4: £91m net gay related to the

of £267m (20ven by £1,014

m of net gains t

ts the cumulat when the hed

e of £1,183m ipally reflected

ard curves incr

) net purchaseee share schemased payment

71

,498m) ordina and the Barcla

m) include Ad

xed maturity a

045m (2014: ally reflected trolling interest

ain) from recyce disposal of th

014: £562m) inm losses from

transferred to n

tive gains and dged transactio

(2014: £1,817d a £697m dereased, £98m

es of treasury mes, and £570ts.

ary shares of 2ays PLC Scrip

ditional Tier 1

and are structu

£582m debit)he depreciatiots increased by

cling of the cuhe Spanish bus

n the availablem changes in fa

net profit and

losses on effeons affect prof

7m) in the casecrease in the gains transfer

shares were m0m (2014: £86

25p each. The Dividend Prog

(AT1) securi

ured to qualify

) in the currenon of ZAR, EURy £127m debit

rrency translatsiness.

e for sale reserfair value on Ga tax credit of

ective cash flowfit or loss.

sh flow hedginfair value of i

rred to net pro

made, principa66m) was tran

increase was ramme.

ties issued by

y as AT1 instru

As at 30.06.15

£m

(1,045)

267

1,183

929

1,334

ncy translationR and USD agat (2014: £74m

tion reserve w

rve. The decreGovernment Bof £96m.

w hedging ins

ng reserve. Thinterest rate swofit, partially o

ally reflecting tsferred to reta

largely due to

y Barclays PLC

uments under

As at

31.12.14

£m

(582)

562

1,817

927

2,724

n reserve. Theainst GBP. The

m debit) due to

was recognised

ease of £295monds offset by

struments that

he decrease ofwaps held for

offset by a tax

the increase inained earnings

o

C

r

e e o

d

m y

t

f r x

n s

Financial

Barclays PLC

16. Co

Guarantees andPerformance gContingent liabDocumentary Forward startiStandby facilit

Further detail

17. Leg

Barclays PLC which are beypredicted butsimilar circumand circumstliabilities whe Investigation The Financiaconnection wBBPLC are cagreements. whether the GCorrupt Pract Background I The FCA hasQatar Holdingcapital raising The FCA issu The existenceservices agrepayable over raisings in Juthere should primary purpbe disclosed, The Warning also in breacCompany’s sWarning Noti Other Investig The FCA has into the agrereceived and agreements aBPLC to winjurisdictions

Statement

C – 2015 Interim

ontingent li

d letters of creduarantees, accebilities credits and othng reverse reputies, credit lines

ls on continge

gal, compe

(BPLC), Barclayond our contt may materialmstances can tances. The Grere it is not cur

ns into certain

al Conduct Awith two adviscontesting the

The US DepaGroup’s relatiotices Act.

Information

s investigated g LLC (Qatar gs in June and

ed warning no

e of the advisoeement in Oct a period of fivne and Novem be at least so

pose of the agr for the Qatari

Notices conclch of Listing Phares). In thisices against th

gations and Li

agreed that teements referr has continuedand are also u or retain buhave also bee

t Notes

m Results

iabilities an

it pledged as coeptances and end

er short-term trurchase agreem and other com

nt liabilities re

etition and

ays Bank PLC trol. The extenlly impact our give rise to eiroup has not rrently practica

agreements

uthority (FCAsory services ae findings. Thartment of Jusonships with th

certain agreeHolding) in Ju November 20

otices (Warnin

ory services agtober 2008 anve years, were

mber 2008. Wme unspecifie

reements was participation

lude that BPLCPrinciple 3 (ths regard, the Fhe Group is £50

tigation

he FCA enforcred to above, d to respond t

undertaking ansiness are co

en briefed on t

nd commit

llateral security dorsements

rade related traments

mitments

lating to legal,

regulatory

(BBPLC) and tnt of the impac operations, finither a contingdisclosed an eable to do so.

A) has allegedagreements ene United King

stice (DOJ) anhird parties wh

ements, includne and Octob08.

g Notices) aga

greement entend the fees pae not disclosedhile the Warn

ed and undete not to obtain in the capital r

C and BBPLC we requirement

FCA considers0m. BPLC and

cement proces including theto requests fo

n investigationmpliant with the investigati

72

tments

nsactions

, competition a

y matters

the Group facect on BPLC, BBnancial resultsgent liability oestimate of th

d that BPLC ntered into by gdom (UK) Se

nd US Securitieho help it to w

ding two adviser 2008 respe

ainst BPLC and

ered into in Juayable under d in the annouing Notices cormined value advisory servi

raisings.

were in breacht to act with that BPLC an BBPLC contin

ss be temporae advisory servr further infor into whether the US Foreig

ions into certa

and regulatory

e legal, compeBPLC and the s, condition anr a provision, e potential fin

and BBPLC b BBPLC. The Ferious Fraud es and Excha

win or retain bu

sory services ectively, and w

d BBPLC in Sep

une 2008 was both agreemeuncements oronsider that Bto be derived ces but to ma

of certain discintegrity towa

nd BBPLC acteue to contest

arily stayed pevices agreememation. The D the Group’s rgn Corrupt Pain of the Gro

y matters can b

etition and regGroup of thes

nd prospects. Mor both, depe

nancial effect o

breached theiFCA has impoOffice (SFO) nge Commissusiness are com

agreements ewhether these

ptember 2013.

disclosed butents, which amr public documPLC and BBPL from the agre

ake additional p

closure-relatedards holders aed recklessly. Tthe findings.

nding progresents, in respe

DOJ and SEC arelationships wractices Act.

oup’s relations

As at

30.06.15

£m

15,131

5,215

20,346

1,163

15,459

269,404

be found in No

ulatory challene matters can

Matters arisingending on the on the Group

r disclosure osed a £50m fis also invest

sion (SEC) arempliant with t

entered into bmay have rela

.

t the entry intomount to a toments relating LC believed at eements, they payments, wh

d listing rules and potential hThe financial

ss in the SFO’sct of which th

are investigatinwith third partCertain regulahips with thir

As at 31.12.14

£m 14,547

6,777 21,324

1,091 13,856

276,315

ote 17.

nges, many ofnot always be

g from a set of relevant factsof contingent

obligations infine. BPLC andtigating these

e investigatingthe US Foreign

y BBPLC withated to BPLC’s

o the advisoryotal of £322m to the capital the time that state that the

hich would not

and BPLC washolders of thepenalty in the

s investigationhe Group has

ng these sameies who assistators in otherd parties. It is

f e f s t

n d e g n

h s

y m

l t e t

s e e

n s e t r s

Financial

Barclays PLC

possible thataffiliates. Claimed Amo It is not curreeffect that the Alternative T The SEC, theinvestigating high-frequenresponse to tthe Group’s cthese actions Background I Civil complainBCI and othewhich high-fsecurities madismiss this a In June 2014,York (NY Supconnection win July 2014. BPLC and BCallegations sithe New York Also, followinwith its curreinvestors suffof the allegatgranted in pa It is possible and/or its aff Recent Develo In February 2denied in part Claimed Amo The complainestimate of thresults, cash f FERC The US Federin the US Dist$34.9m of paround Califo

Statement

C – 2015 Interim

t civil litigation

ounts/Financia

ently practicabey might have

Trading System

e New York St a range of isscy traders. Ba

their enquiriescurrent and fos.

Information

nts have beeners generally arequency tradarket to the paction.

the NYAG filepreme Court)

with LX Liquidi

CI have also bmilar to those

k Federal Court

ng the filing ofent and certainfered damagetions in the N

art and denied

that additionfiliates.

opments

2015, the NYAt BPLC and BC

ounts/Financia

nts seek unsphe financial imflows or the G

ral Energy Regtrict Court in C

profits, plus inornia. The US

t Notes

m Results

n relating to c

al Impact

ble to provide e upon the Gro

ms and High-F

tate Attorney ues associatedrclays Capital . Various partirmer officers i

n filed in the Nalleging that thding firms werelaintiffs’ detrim

ed a complaintalleging, amoty Cross, the G

been named in in the Complat described ab

f the NYAG Con of its formers when their i

NYAG Complai in part.

nal complaints

AG filed an amCI’s motion to d

al Impact

pecified monempact of the m

roup’s financia

ulatory CommCalifornia seekterest, in conAttorney’s Of

certain of the

an estimate ooup’s operating

Frequency Tra

General (NYAd with alternat Inc. (BCI) hasies, including tin connection

New York Fedehe defendantse given informment. These c

t (NYAG Compngst other thiGroup’s SEC-re

n a class actioaint. This Calif

bove.

omplaint, BPLCr CEOs and CFnvestments inint. BPLC and

s relating to th

mended compdismiss the NY

etary damagesmatters in this s

al position in a

mission (FERC) king to collect nnection with ffice in the SD

73

ese matters m

f the financialg results, cash

ading

AG), the FCA ative trading syss been providinthe NYAG, hav with ATS rela

eral Court on bs violated the mational and ocomplaints ha

plaint) against ngs, that BPLCegistered ATS

on by an instifornia class act

C and BCI werFOs and an emn Barclays Ame BCI have filed

hese or simila

plaint and the YAG Complain

s and injunctivsection or whaany particular p

has filed a civon an order asallegations th

DNY has inform

may be brough

impact of the flows or finan

and regulatorsstems (ATSs),ng informationve filed compla

ated activities.

behalf of a putfederal securi

other advantagve been cons

BPLC and BCI C and BCI eng. BPLC and BC

itutional investion has been

re named in a mployee in Equerican Depositd a motion to

r matters may

NY Supreme t. Proceedings

ve relief. It is at effect that tperiod.

vil action againssessing a $43hat BBPLC mamed BBPLC th

ht in the futu

e actions descncial position in

s in certain ot including darn to the relevaaints against BBPLC and BCI

tative class ofties laws by p

ges so that theolidated and

in the Supremgaged in fraudCI filed a motio

stor client und consolidated w

shareholder suities Electrontory Receipts d

o dismiss the

y be brought

Court subseqs in this matter

not currentlythese matters

nst BBPLC and 35m civil penaanipulated theat it is looking

re against BP

ribed on the Gn any particula

ther jurisdictiok pools, and thant regulatoryBPLC and BCI continue to d

f plaintiffs agaparticipating iney could maniBPLC has filed

me Court of thed and deceptivon to dismiss t

der California with the class

securities classic Trading on declined in vacomplaint, wh

in the future

quently granter are continuin

y practicable t might have up

certain of its flty and the dis

e electricity mg into the sam

LC and/or its

Group or whatar period.

ons have beenhe activities of

y authorities inand certain of

defend against

inst BPLC andn a scheme inipulate the USd a motion to

e State of Newve practices inthe Complaint

law based on action filed in

s action alongthe basis thatlue as a resulthich the court

against BPLC

ed in part andng.

to provide anpon operating

former traderssgorgement of

markets in andme conduct at

s

t

n f

n f t

d n S o

w n t

n n

g t t t

C

d

n g

s f d t

Financial

Barclays PLC

issue in the Fasserting antBackground I In October 20and four of itthat BBPLC aaround Califoby BBPLC. In July 2013, ordered BBPLproposed in t In October 20to collect themade by FERC In Septembersuch office is In Decemberalternative, to Recent Develo In May 2015,for improper a claim. In June 2015Irrigation DismanipulationFERC against Claimed Amo FERC has maprofit disgorgmade against Investigation Regulators anBBPLC’s invosettlements wthose set out Background I The FCA, theDivision (DOJFinancial SerCommission, that opened iBBPLC and oEURIBOR. In June 2012,to the FCA),submissions,

Statement

C – 2015 Interim

FERC matter aitrust allegatioInformation

012, FERC issuts former tradand its formerornia from Nov

FERC issued aLC to disgorgethe Order and

013, FERC filede penalty and C in its Octobe

r 2013, BBPLC looking at the

r 2013, BBPLCo transfer it to

opments

, the US Districvenue or, in th

5, a civil classstrict, a Califo

n of the electric BBPLC curren

ounts/Financia

de claims agagement. This at it. The civil cl

ns into LIBOR,

nd law enforcelvement in mawith the releva in more detai

Information

e US CommodJ-AD), the Eu

rvices Agency the prosecutoinvestigations

other financial

BBPLC annou the CFTC an and BBPLC ag

t Notes

m Results

and a civil clasons that mirror

ued an Order ters in relation traders violatvember 2006 t

an Order Assee an additionaNotice).

d a civil actiondisgorgement

er 2012 Order

C was contacte same conduc

C and its form the SDNY, and

ct Court in Calhe alternative,

action compornia utility ccity markets in

ntly pending in

al Impact

inst BBPLC andamount does nass action com

other Benchm

ement agencieanipulating Forant law enforcl below, remai

ity Futures Traropean Comm, the Adminisors’ office in T in connectioninstitutions to

unced that it hand the DOJ-FSgreed to pay to

ss action compr those raised i

to Show Cause to their poweted FERC’s Anto December 2

essing Civil Penal $34.9m of p

n against BBPLt amount. FER and Notice an

ted by the crimct at issue in th

mer traders fid a motion to d

ifornia denied to transfer it t

plaint was filedompany, assen and around the US Distric

d certain of itsnot necessarilymplaint refers t

marks, ISDAFIX

es from a numreign Exchangcement agencn pending.

ading Commismission (Commstrative CouncTrani, Italy andn with efforts to the bodies th

ad reached setS in relation total penalties

74

plaint was filein the civil suit

e and Notice oer trading in thnti-Manipulatio2008, and prop

nalties in whicprofits plus int

LC and its formRC’s complaintnd its July 2013

minal division he FERC matte

led a motion dismiss the co

a motion filedo the SDNY, a

d in the US Derting antitrusCalifornia. The

ct Court in Cali

s former tradery reflect the BBto damages of

X, Foreign Exc

mber of governe rates and fin

cy or regulato

ssion (CFTC), mission), the cil for Economd various US sto manipulate hat set or com

ttlements withto their invesof £290m, wh

d in the US Dt filed by FERC

of Proposed Pehe western USon Rule by maposed civil pen

ch it assessed terest (both of

mer traders in tt in the civil ac3 Order Assess

of the US Atter.

to dismiss thomplaint for fa

d by BBPLC annd a motion to

District Court st allegations e allegations mifornia.

rs totalling $46BPLC’s potentiaf $139.3m.

change Rates

nments have bnancial benchmr in certain of

the SEC, the DSFO, the Mon

mic Defence istate attorneys Foreign Excha

mpile various f

h the Financialstigations conhich were refle

District Court fo.

enalties (OrderS. In the Orderanipulating thnalties and pro

a $435m civil f which are co

the US Districtction reiteratesing Civil Pena

torney’s Office

he action for ilure to state a

d the former to dismiss the c

for the SDNY in connectiomirror those ra

69.9m, plus intal financial exp

and Precious

been conductinmarks. BBPLC, f the investiga

DOJ Fraud Secnetary Authorn Brazil, the

s general are aange rates andfinancial bench

l Services Authcerning certai

ected in operat

or the SDNY a

r and Notice) ar and Notice, Fe electricity m

ofit disgorgem

penalty againonsistent with

t Court in Califes the allegatiolties.

e in SDNY and

improper vena claim.

traders to dismcomplaint for f

Y against BBPLon with BBPLCaised in the civ

terest, for civilposure if a ruli

Metals

ng investigatio BPLC and BCI

ations, but oth

ction (DOJ-FS) ity of SingapoSouth Africanamongst variod into submisshmarks, such

hority (FSA) (ain benchmarkting expenses

against BBPLC

against BBPLCFERC asserted

markets in andent to be paid

nst BBPLC andh the amounts

fornia seekingons previously

d advised that

nue or, in the

miss the actionfailure to state

LC by MercedC’s purportedvil suit filed by

penalties anding were to be

ons relating to have reached

hers, including

and Antitrustore, the Japann Competitionous authoritiessions made by as LIBOR and

as predecessork interest rate for 2012. The

C

C d d d

d s

g y

t

e

n e

d d y

d e

o d g

t n n s y d

r e e

Financial

Barclays PLC

settlements wOrder) and a the DOJ-AD EURIBOR. Sumthe NPA areAgreement wwebsite. CFTC LIBOR O In addition toviolations of sand reliabilitycontrols. Investigations Following theinto LIBOR, Eissued a subpand has sincresponding to Investigation In addition, finvestigate th Investigations The CommissDecember 20in relation to the Commisswas granted f DOJ Non-Pros As part of thcrimes (excepsubmissions obligations u In June 2014determinationthe two-year Recent Develo The Foreign penalty impoDOJ exercised Foreign Excha Various regulSEC and the Nwith Foreign market partic

Statement

C – 2015 Interim

were made by Non-Prosecutin connectionmmaries of th publicly avai

with the FSA a

Order

o a $200m civspecified provy of its bench

s by the US Sta

e settlements EURIBOR and tpoena in July 2ce issued addo these reques

by the SFO

following the he LIBOR matte

s by the Europ

sion has also 013, the Comm anti-competit

sion and coopfull immunity f

secution Agre

he NPA, BBPLCpt for criminalof benchmarknder the NPA.

4, BBPLC and n under the N period from 2

opments

Exchange setosed by the DOd its discretion

ange Trading

latory and enfoNew York Stat Exchange sa

cipants in vario

t Notes

m Results

entry into a Setion Agreemen with potentia

he NPA and thilable on the are confidentia

vil monetary pvisions of the Uhmark interest

ate Attorneys

announced inthe Tokyo Int012 to BBPLC itional inform

sts on a rolling

settlements aer, in respect o

pean Commiss

been conductmission annoutive conduct c

perated fully wfrom the finan

ement

C agreed to pa tax violations

k interest rates

DOJ-FS enterPA solely as to

26 June 2012 c

ttlements desOJ as a conseq

n not to declare

Investigations

orcement authte Departmentales and tradinous countries.

ettlement Agrent (NPA) with tal US antitruste CFTC LIBORwebsites of tal, but the Fin

penalty, the CUS Commodityt rate submis

General

n June 2012, 3erbank Offere (and subpoen

mation request basis.

nnounced in Jof which BBPL

ion

ting investigatinced that it ha

concerning EUwith the Commncial penalties

ay a $160m ps, as to which ts, including LIB

red into a leto whether anyonstituted the

scribed below quence of cere a breach of t

horities, includt of Financial Sng, including

75

eement with tthe DOJ-FS. Int law violation

R Order are setthe CFTC andnal Notice of t

CFTC LIBOR Oy Exchange Acsions, includin

31 US State Ated Rate. The Nnas to a numbets to BBPLC fo

June 2012, thC has received

ions into the mad reached a sRIBOR. The G

mission’s investhat would oth

penalty. In addthe DOJ cannoBOR and EURI

tter agreemeny of BBPLC’s tre commission o

under ‘Foreigtain practices

the NPA. The N

ding the FCA, tServices (NYDF

electronic tra

he FSA, a Sett addition, BBP

ns with respect out below. Td the DOJ, resthe FSA in rel

Order requires ct (CEA) and tang LIBOR and

ttorneys GeneNYAG, on behaer of other ban

for both docu

e SFO annound and continue

manipulation osettlement withroup had volu

stigation. In reherwise have a

dition, the DOJot and did not BOR, continge

nt which gaverading activitieof a ‘United St

gn Exchange that continueNPA and the le

the CommissioFS) have been ading. Certain

lement Order PLC was grantect to financial The full text of spectively. Thlation to LIBO

BBPLC to ceaake specified s

d EURIBOR, an

eral commencalf of this coanks) to producments and tr

nced in July 2es to respond t

of, amongst oh the Group anuntarily reporteecognition of tapplied.

J agreed not t make any agr

ent upon BBPL

e DOJ-FS untiles in the Foreigates crime’.

Trading Invesed after entry etter agreemen

on, the CFTC, t investigating a of these inve

with the CFTCed conditional instruments tf the CFTC LIBhe terms of thOR is available

ase and desiststeps to ensurnd improve re

ed their own alition of Attorce wide-ranginransactional d

2012 that it hato requests for

other things, End a number oed the EURIBOthis cooperatio

to prosecute Breement) relatLC’s satisfactio

l 27 June 201gn Exchange m

stigations’ incinto the NPA;

nt have now ex

the DOJ-FS, tha range of issuestigations inv

C (CFTC LIBOR leniency fromthat referenceOR Order andhe Settlement on the FCA’s

t from furtherre the integrityelated internal

investigationsrneys General,ng informationdata. BBPLC is

ad decided tor information.

URIBOR. On 4of other banksOR conduct toon, the Group

BBPLC for anyted to BBPLC’son of specified

15 to make amarket during

clude a $60m; however, thexpired.

e DOJ-AD, theues associatedvolve multiple

R m e d t s

r y l

s ,

n s

o

4 s o p

y s d

a g

m e

e d e

Financial

Barclays PLC

Recent Develo On 20 May 2Governors ofinvestigationspenalties of acontinuing af Under the pleyears from thamongst othe Commit n Notify the

investigat Implemen

to the ple Strengthe

enforcem Bring to t

relates to of Directoadministremployee

Pursuant to tviolating provcertain remed Implemen

integrity oaddress in

Implemenother thinand tradingoing trairate and (unlawful a

Pursuant to itcivil monetarReserve Bankapplicable USwholesale maprogram regarespect to ceinterest rate compliance win certain othits institutionagent, consuUS authoritieformal discipreview in conthereof or ha Pursuant to tmonetary pefour identifiepreviously seprograms, popertain to or BBPLC’s Boar

Statement

C – 2015 Interim

opments

2015, the Grouf the Federal Rs into certain approximately fter entry into t

ea agreement whe date of theer things: no crime whatse probation otion in which itnt and continua agreement;

en its compliament agencies t

he DOJ’s atten US anti-trust ors, managemrative proceedes that alleges

the settlement visions of the diation efforts nting and impof its participanternal or extenting additionangs: (i) detecting or other coining of all tra(iii) its system activity relatin

ts settlement wry penalty of $k of New YorS laws and regarkets for comarding BBPLCrtain Foreign Eproducts and

with applicableher wholesale mn-affiliated parltant or contra

es, has done alinary action annection withd his or her em

the settlementnalty of $485md employees.

elected by theolicies, and proaffect activitierd of Directors

t Notes

m Results

up announcedReserve System sales and tra $2.38bn, inclthe NPA, and t

with the DOJ, Be final judgme

soever in violaofficer appointt is a target, or

ue to implemen

ance and intethat have addrntion (i) all cred

laws or fraud ment or legal

ings or civil acviolations of U

with the CFTC US Commod to the extent nproving its intation in the fixernal conflicts oal remediationon and deterrnduct potentiaders, supervis for reporting,g to the fixing

with the Feder$342m and ork for its appro

gulations with mmodities and’s and BBPLCExchange activd (iii) enhance US laws and markets for corties must notactor of BBPLCall of the followas a result of B the conduct

mployment ter

t with the NYDm and requiriBBPLC and B

e NYDFS to cocedures, withes conducted bs a preliminary

d that it had rem (Federal Resading practiceuding a $60mthat BPLC had

BPLC agreed tent in respect

ation of the fedted by the cor federal criminnt a complianc

ernal controls ressed the condible informatlaws, includinand complianctions brough

US anti-trust o

C, BBPLC consdity Exchange not already unternal controlsxing of any Foof interest; and

n improvemenence of improally intended tors and others handling and of any Foreig

ral Reserve, BBrdering BBPLCoval (i) an enrespect to cerd interest rate

C’s New York vities and certed internal aregulations wi

ommodities ant in the futureC or of any subwing: (i) particBPLC’s and BB described in rminated in co

DFS, BBPLC anng BBPLC andBPLC’s New Yonduct, consi respect to the

by or through y written repor

76

eached settlemerve) and the s in the Forei

m penalty impod agreed to ple

o (i) pay a crimt of the plea a

deral laws of thourt upon leanal prosecutioce program de

as required nduct set forth ion regarding g securities or

nce personnel t by any gover fraud laws, o

sented to the eAct, (ii) pay a

ndertaken, incls and procedu

oreign Exchangd ts will include

oper communito manipulate s who are invo investigating n Exchange be

BPLC and BBPLC and BBPLC’snhanced internrtain Foreign Ee products, (iibranch’s comain activities inudit program ith respect to c

nd interest ratee directly or inbsidiary of BBPcipated in theBPLC’s New Yothe order, annnection with

nd BBPLC’s Ned BBPLC’s NewYork branch mistent with ape business actiBBPLC’s New Yrt of findings,

ments with the FCA (togetheign Exchange osed by the Dad guilty to a v

minal fine of $6agreement. Du

he United Staterning of the n against it;

esigned to prev

by the CFTC in the plea agcriminal violat

r commodities is aware (ii)

ernmental author including sec

entry of an orda civil monetauding: ures in a mange benchmark

e internal contcations conceForeign Exchaolved in the fix any suspectedenchmark rate

LC’s New York s New York brnal controls aExchange activi) a plan to im

mpliance with an certain othe regarding BBcertain Foreigne products. Unndirectly retainPLC who, basee misconduct ork branch’s innd (iii) either s the conduct d

ew York brancw York branch

must also contpplicable law, ivities discusseYork branch. Tincluding prop

e CFTC, the NYr, the Resolvin market, that

DOJ as a conseviolation of US

650m and (ii) uring the term

es; commenceme

vent and detec

, the FCA anreement; and tions by BPLC s markets fraud

all criminal ohority in the Ucurities or com

der requiring it ary penalty of

nner reasonabk rate, includin

trols and proceerning Foreign ange benchmaxing of any Fod misconduct

e.

branch conseranch to submnd complianc

vities and certamprove its coapplicable US r wholesale mBPLC’s and Bn Exchange ac

nder the Federan any individu

ed on the invesunderlying the

nternal discipliseparated fromdescribed in th

ch consented th to take all stinue to engaga comprehen

ed within the oThe monitor wposed correcti

YDFS, the DOJng Authorities) it had agreed

equence of cerS anti-trust law

a term of probm of probation

ent of any fe

ct the conduct

nd any other

or any of its ed, as to which

or regulatory iUS by or againmmodities mar

to (i) cease an $400m and (

bly designed tng measures t

edures relating Exchange ben

ark rates, (ii) rooreign Exchang or questionab

nted to an ordmit in writing tce program toain activities inmpliance risk laws and regarkets for comBPLC’s New Y

ctivities and ceal Reserve ordual as an officstigative recorde order, (ii) benary review orm BBPLC or a

he order.

to an order imteps necessaryge the indepennsive review oorder, in place

will submit to thive measures a

, the Board of) in relation tod to pay totalrtain practices

w.

bation of threen, BPLC must,

deral criminal

t that gave rise

regulatory or

mployees that BPLC’s Boardinvestigations,

nst BPLC or itsrkets fraud.

nd desist from(iii) undertake

to ensure theo identify and

g to, amongstnchmark ratesoutine and on-ge benchmarkble, unusual or

der imposing ato the Federal

o comply withn certain other managementgulations withmmodities andYork branch’s

ertain activitieser, BBPLC and

cer, employee,d compiled byeen subject tor performanceany subsidiary

mposing a civily to terminatendent monitorof compliance at BBPLC thathe NYDFS andand thereafter

f o l s

e ,

l

e

r

t d , s

m e

e d

t s -k r

a l

h r t h d s s d ,

y o e y

l e r e t d r

Financial

Barclays PLC

BBPLC and Bcurrent compincorporatingenhance manaffect activitie The FCA issuin its ForeignExchange optremediation p The full text oabove are pu The settlemeExchange matrading persocountries. Thto cooperate ISDAFIX Inves Regulators apractices with On 20 May 2BCI agreed tsetting of thefrom violatinglitigation and Continuin

the integr Implemen

amongst directly oof all swainterest-raquestiona

The full text o Certain otherintended to in Precious Met BBPLC has bmetals and p For a discuss‘Civil Actions the Gold Fix’ Claimed Amo The fines in cprovisions of matters in thfinancial posi

Statement

C – 2015 Interim

BBPLC’s New Ypliance prograg any relevantnagement ovees conducted

ued a Final Notn Exchange butions and Foreprogramme w

of the DOJ pleblicly available

ents reached oarket. In additonnel, includinhe Group is co with the relev

stigation

nd law enforch respect to IS

015, the CFTCto pay a civil me US Dollar ISDg provisions o undertake cer

ng to implemerity of the fixinnting additionaother things: r indirectly sw

aps and optionate swaps anable, unusual o

of the CFTC or

r regulatory anfluence, the U

tals Investigatio

been providingrecious metals

ion of litigatio in Respect of below.

ounts/Financia

connection witf £2.05bn. It ishis section, or tion in any pa

t Notes

m Results

York branch mams that pertt corrective mrsight of compby or through

tice and imposusiness in Londeign Exchangehich Barclays

a agreement, e on the Resolv

on 20 May 20ion, certain aug Foreign Excntinuing to revant authorities

cement agencSDAFIX, among

C entered into monetary penDAFIX benchmof the US Comrtain remediat

ent and improvg of any intereal remediation(i) the detecti

wap rates, incluns desk personnd (iii) a sysor unlawful act

rder relating to

nd enforcemeUSD ISDAFIX b

on

g information s-based financ

n arising in cof ISDAFIX’, ‘Civ

al Impact

th the May 20s not currently what effect trticular period

must submit ttain to or affeeasures ident

pliance progra BBPLC’s New

sed a financialdon (includinge sales). As anremains comm

the CFTC, NYDving Authoritie

15 did not enuthorities conthange personview these ans.

cies, includinggst other benc

a settlement oalty of $115m

mark. In additiommodity Exchation efforts to tve its internal est-rate swap n improvemenon and deterr

uding benchmnnel relating tstem for repotivity relating t

o ISDAFIX is pu

ent authoritiesbenchmark.

to the DOJ ancial instrument

onnection withvil Actions in R

015 settlementy practicable tothat these mat.

77

to the NYDFSect activities cified in the mms, policies, a York branch.

l penalty of £2g G10 and emnnounced in Nmitted to comp

DFS and Fedees’ respective w

compass ongotinue to invesnel, among md certain othe

g the CFTC, hchmarks.

order with BPLm in connectioon, the CFTC oange Act, fully the extent not controls and pbenchmark; ants, including r

rence of tradinmarks based onto the trading orting, handlito the fixing of

ublicly availabl

s have reques

nd other authts.

h these investigRespect of Fore

ts with the Reo provide an etters might ha

S (i) a written conducted by

monitor’s reporand procedure

284m on BBPLmerging markeNovember 2014pleting.

ral Reserve ordwebsites.

oing investigatigate sales an

multiple marketer practices rel

have conducte

LC, BBPLC andon with the CForder requires cooperate wi already underprocedures in nd reasonable inteng or other con interest-rate of any producng and invesf any benchma

e on the CFTC

sted informatio

orities in conn

gations see ‘LIeign Exchange

solving Authoestimate of thave upon the

plan designey or through rt and (ii) a ws now in place

LC for failing tot spot Foreign4, the FCA ha

ders, and the

ations of electrnd trading prat participants, ating to Foreig

ed separate in

d BCI pursuantFTC’s industry BPLC, BBPLC th the CFTC inrtaken, includi a manner rea

ernal controls onduct potenti swaps, (ii) roct that referenstigating any ark based on in

C website.

on regarding

nection with i

BOR and othee Trading’ and

orities are covehe financial im

Group’s oper

d to improve BBPLC’s New

written plan toe at BBPLC tha

o control busin Exchange tras required an

FCA Final Not

ronic trading iactices of vari including BBPgn Exchange a

nvestigations

t to which BPL-wide investigand BCI to cean related invesng, amongst osonably desig

and procedurally intended tutine and on-g

nces a benchmsuspected m

nterest-rate sw

the setting of

investigations

r Benchmarksd ‘Civil Actions

ered by the Grpact of certainating results,

and enhance York branch,

o improve andat pertain to or

ness practicesading, Foreignindustry-wide

ice referred to

in the Foreignous sales and

PLC, in variousand continues

into historical

LC, BBPLC andgation into thease and desiststigations andother things: ned to ensure

res relating to,to manipulategoing training

mark based onmisconduct orwaps.

f, and trading

into precious

Civil Actions’,s in Respect of

roup’s existingn of the othercash flows or

e ,

d r

s n e

o

n d s s

l

d e t d

e

, e g n r

g

s

, f

g r r

Financial

Barclays PLC

LIBOR and ot Following theForeign Exchthreatened or Background I A number ofGroup and ohave been disimpact is unc USD LIBOR C The majority purposes befo The complaincollectively vOrganizations The lawsuits total in exceslawsuits also The proposedlinked over-th(Exchange-Barate mortgag In August 20the MDL Couindividual act In March 201defendants in Following theappeal an asmotions pres Debt Secu The claim The claim

good faith

Subsequent tCalifornia staproposed clasthe US Court the grounds January 2015Debt SecuritiCertain otherjoin the appea In December claims for $12015, plaintifsettlement, a

Statement

C – 2015 Interim

ther Benchma

e settlements ohange Rates ar brought civil

Information

f individuals ather banks in smissed and oclear.

ases in MDL C

of the USD LIBfore a single ju

nts are substanviolated proviss Act (RICO) a

seek unspecifss of $1.25bn seek trebling o

d class actionshe-counter traased Class); (iies linked to US

12, the MDL Curt could addretions (Lead Ind

13, the MDL Cn the Lead Clas

e decision, thepect of the Mented in the Leurities Class ha

ms of the Exchams of the OTC h and fair deal

to the MDL Cate court (sincss action case of Appeals fothat the MDL

5, the US Supres Class’ appe

r proposed claal as to the dis

2014, the MD19.98m and reffs filed a mond that motion

t Notes

m Results

ark Civil Action

of the investignd Precious M actions agains

and corporates relation to m

one has settled

Court

BOR cases, whdge in the SDN

ntially similar sions of the Uand various sta

fied damages in actual damof damages un

s purport to bansactions (OTii) purchased USD LIBOR (Hom

Court stayed aless the motiondividual Action

Court issued ass Actions and

e plaintiffs in tMarch 2013 de

ead Class Actias been dismisange-Based Cla Class have being.

Court’s March ce moved to

es discussed abr the Second CL Court had nreme Court reveal. The OTC Cass actions thasmissal of thei

DL Court grantequested that otion for an n is pending b

ns

gations referreMetals’, a numst Group in rel

s in a range omanipulation ofd subject to fin

hich have beenNY (MDL Cour

and allege, amUS Sherman Aate laws by ma

with the exceages against ander the US Sh

e brought on TC Class); (ii) USD LIBOR-linmeowner Clas

ll newly filed pns pending in tns).

a decision dismd Lead Individu

the Lead Classcision. In Augons. As a resu

ssed entirely; ass have beeneen limited to

2013 decisionthe MDL Cou

bove. The DebCircuit (Secondnot reached a versed the SecClass and the at had previour antitrust clai

ted preliminary the plaintiffs order approviefore the MDL

78

d to above in mber of indiviation to LIBOR

of jurisdictionsf LIBOR and/o

nal approval fro

n filed in variort).

mongst other tAntitrust Act,

anipulating US

ption of five laall defendantsherman Antitru

behalf of (am purchased USked debt secu

ss); or (v) issue

proposed class three lead prop

missing the mual Actions.

s Actions souggust 2013 andult, the:

limited to claiclaims for unj

n, the plaintiffurt) based on bt Securities Cld Circuit), but decision resocond Circuit’s Exchange-Bas

usly been stayems.

y approval for present a planing their propL Court.

‘Investigationsduals and corR and/or other

s have threateor other benchom the court,

us US jurisdict

things, that BB, the CEA, thD LIBOR rates

awsuits, in wh, including BBust Act and RIC

ongst others) SD LIBOR-link

urities (Debt Seed loans linked

actions and inposed class ac

majority of clai

ght permissiod June 2014, th

ims under the just enrichme

fs in the Lead the same allass attemptedthe Second Ci

olving all of th decision, rulinsed Class haveed by the MD

the settlemenn for allocatioposed process

s into LIBOR, orporates in a r benchmarks.

ened or broughmark rates. W others remain

tions, have bee

BPLC and the oe US Rackete.

hich the plaintBPLC, plus punCO.

plaintiffs thated financial in

ecurities Class)d to USD LIBOR

ndividual actioctions (Lead C

ms against BB

n to either filehe MDL Court

CEA; and nt and breach

d Individual Acegations as th

d to appeal theircuit dismissehe claims in tng that the See received perL Court have

nt of the remaon of the settles of allocation

other Benchmarange of juris

.

ght civil actionWhile several n pending and

en consolidate

other banks ineer Influenced

iffs are seekinnitive damages

t (i) engaged instruments on); (iv) purchaseR (Lender Clas

ons (Stayed Aclass Actions) a

BPLC and oth

e an amendedt denied the m

h of the implie

ctions filed a hose initially ae dismissal of ted the appeal athe consolidatecond Circuit mrmission to joialso received

ining Exchangement proceen and class n

arks, ISDAFIX,sdictions have

ns against theof such cases their ultimate

ed for pre-trial

ndividually andd and Corrupt

g a combineds. Some of the

n USD LIBOR-n an exchangeed adjustable-

ss).

ctions), so thatand three lead

er panel bank

d complaint ormajority of the

d covenant of

new action inalleged in thetheir action to

as untimely onted actions. Inmust hear thein this appeal.permission to

ge-Based Classeds. In Januarynotice for the

, e

e s e

l

d t

d e

-e -

t d

k

r e

f

n e o n n e .

o

s y e

Financial

Barclays PLC

Additionally, fraud and toraction plaintifdefendants factions filed t Until there arthat the deciwhich concer Additional US An additionadefendants. Tof bonds plemarket. This SDNY. The paplaintiff soug Sterling LIBO An additionaby a plaintiffcomplaint all2005 and 201 Securities Fra BPLC, BBPLCproposed secThe complainReports for tcompliance wthat BBPLC’s brought on bDepositary Regranted BBPLCircuit issuedplaintiffs’ claiThe action hsubstantially pending. Complaint in In July 2012, ainclude allegapurported claBBPLC’s motappealed the Japanese Yen An additionabanks by a pAssociation’scomplaint alleand US ShermCourt issued antitrust claimconcerning th

Statement

C – 2015 Interim

the MDL Courtious interfereffs (those who

filed their mottheir amended

re further decisions will be rn different be

SD LIBOR Case

al individual aThe plaintiff aldged as collataction is not aanel bank defeht leave to file

R Case in SDN

l class action wff involved in eges, among 10 and, in so d

aud Case in the

C and BCI havecurities class ant asserted clhe years 2006

with its operat daily USD LIBObehalf of a preceipts on a ULC’s motion tod an order upims that BBPLhas been remcomplete by t

the US Distric

a purported clations related tass that includtion for summ court’s decisio

n LIBOR Case in

l class action wlaintiff involve

s Euroyen Tokeges, amongsman Antitrust a decision grms in full, but he CEA claims

t Notes

m Results

urt has begun ence claims, wo have opted otions to dismid complaints. I

isions, the ultiinterpreted bynchmark inter

e in the SDNY

ction was coleged that theteral for a loaassigned to theendants move

e a further ame

NY

was commencexchange-traother things,

doing, committ

e SDNY

e also been nction pending aims under th

6 to 2011 contional risk manOR submissionroposed classUS securities eo dismiss the pholding the LC’s daily USD

manded back the end of 20

t Court for the

ass action comto USD LIBOR

des holders of amary judgemeon to the US C

n SDNY

was commenced in exchangekyo Interbankt other things, Act between ranting in part sustained thes was denied b

to address thwere not assertout of the classss. In Novemn January 2015

imate impact y courts to affrest rates.

mmenced in e panel bank dn to decreasee MDL Court; ied to dismiss tended complai

ced in May 20aded and ove

that BBPLC ated CEA, antitr

amed as defe in the SDNY ihe US Securitintained misstanagement prons constituted consisting of

exchange betw complaint in dismissal of c LIBOR submito the distric

015. In April 2

e Central Distri

mplaint in the and name BBadjustable rate

ent and dismiCourt of Appea

ced in April 20e-traded deriv

k Offered Rate, manipulation2006 and 201t and denying

e plaintiff’s CEAby the Court in

79

he claims in thted in the Leads actions) filedber 2014, the5, the defenda

of the MDL Cfect other litig

February 201defendants cone, ultimately reit is proceedinthe action, andint; that motio

015 in the SDNr-the-counter nd other panerust, and RICO

ndants along n connection wies Exchange tements and ocesses and ce

d false statemef all persons

ween 10 July 2its entirety. T

certain of thessions constitt court for fu015, plaintiffs

ict of California

US District CoBPLC as a defee mortgages lissed all of th

als for the Nint

012 in the SDNvatives. The coe (Euroyen TIn of the Euroye

0. The defendg in part that A claims. The n October 201

he Stayed Actd Class Actiond their amendee plaintiffs in tants filed their

Court’s decisiogation, includin

3 in the SDNnspired to incresulting in theg on a differend the motion w

on is pending.

NY against BBP derivatives tel banks mani

O violations.

with four forwith BBPLC’s rAct of 1934, omissions con

ertain laws andents in violatioor entities tha

2007 and 27 JuThe plaintiffs ae plaintiffs’ clatuted false staurther procee filed a motio

a

urt for the Cenndant. The aminked to USD Lhe remaining h Circuit.

NY against BBomplaint also nBOR) panel,

en TIBOR and dants filed a mmotion. Specidefendants’ m4. The plaintif

ions, many ofns. As a result, ed complaints the Lender Cl motions to dis

ns will be uncng the actions

NY against BBrease USD LIBOe sale of the bnt schedule bewas granted in

PLC and other hat were linkipulated the S

mer officers arole as a contrprincipally all

ncerning (amod regulations. n of US securiat purchased une 2012. In Mappealed, andaims, but revetements in viodings, and din to certify th

ntral District ofmended complLIBOR. In Januclaims agains

PLC and othenames membeof which BBPYen LIBOR rat

motion to dismfically, the co

motion for recoff moved for le

f which, includ in October 20 and in Novemlass and Homsmiss.

clear, althoughs described be

PLC and otheOR, which caubonds at a lowefore a differenn April 2015.

Sterling LIBOked to SterlingSterling LIBOR

and directors oributor panel beging that BB

ongst other th The complainties law. The cBPLC-sponso

May 2013, the, in April 2014ersing the disolation of US siscovery is exhe class, and t

f California waaint was filed

uary 2015, the st BBPLC. The

r Japanese Yeners of the Japa

PLC is not a tes and breach

miss and, in Maurt dismissed onsideration oeave to file a t

ding state law014, the direct

mber 2014, themeowner Class

h it is possibleelow, some of

er panel bankused the valuew point in thent judge in the In June 2015,

R panel banksg LIBOR. The rate between

of BBPLC in abank to LIBOR.BPLC’s Annualhings) BBPLC’snt also allegedcomplaint wasred American

e district court4, the Secondsmissal of thesecurities law.

xpected to bethat motion is

as amended toon behalf of a court grantede plaintiff has

n LIBOR panelanese Bankersmember. The

hes of the CEAarch 2014, the the plaintiff’s

of the decisionhird amended

w t e s

e f

k e e e ,

s e n

a . l s d s n t d e .

e s

o a d s

l s e A e s n d

Financial

Barclays PLC

complaint adimmediate ap EURIBOR Cas In February 2plaintiffs asseother EURIBOLIFFE EURIBOcontracts (su2005 throughdocument dis In addition, Bviolations witBBPLC is eligantitrust actiojoint-and-sevcourt presidin Non-US Benc In addition tomanipulationthe benchma Claimed Amo It is not curreeffect that the Civil Actions Since Septemof plaintiffs, several state filed in Februa Claimed Amo It is not curreeffect that the Civil Actions Since Novemalleging mannaming severactions allegi Recent Develo In January 20of non-US pe Since FebruaNorthern DismanipulationBCI. One of tand includes

Statement

C – 2015 Interim

dding additionppeal of that d

ses

2013, a EURIBOert antitrust, COR panel bankOR futures conuch as interesth 31 March 2scovery to pro

BBPLC has beeth respect to fible for (i) a lion under US a

veral liability inng over the civ

chmarks Cases

o US actions, len of LIBOR andarks to which t

ounts/Financia


in respect of

mber 2014, a nalleging that laws by engaary 2015.

ounts/Financia


in respect of

mber 2013, a nnipulation of Fral internationng a class of U

opments

015, the SDNY ersons.

ry 2015, severstrict of Califon of Foreign Exthe newly filed allegations th

t Notes

m Results

nal claims, incecision, and th

OR -related claCEA, RICO, andks to manipulantracts, purchat rate swaps a011. All proceceed.

en granted cofinancial instrumit on liabilityantitrust law bn connection vil litigation of

s

egal proceedind EURIBOR in ahey relate, and

al Impact


ISDAFIX

umber of ISDABBPLC, a num

aging in a con

al Impact


Foreign Excha

number of civForeign Exchaal banks as de

US persons in a

denied the mo

ral additional cornia, on behaxchange rates d actions asseat are duplicat

cluding a RICOhat request is p

ass action wasd unjust enricate EURIBOR. asers of Euro cnd forward raeedings were

nditional lenieuments that ry to actual ratbased on condwith such civfulfilment of it

ngs have beena number of jud the jurisdictio


AFIX related cmber of other

spiracy to ma


ange Trading

il actions havenge markets

efendants, inclua single conso

otion to dismi

civil actions haalf of proposeand naming srts claims undtive of allegatio

80

O claim, whichpending. Disc

s filed against hment claims.The lawsuit is

currency-relateate agreementstayed until M

ency from the reference EURIher than trebl

duct covered bvil antitrust acts cooperation

brought or thurisdictions. Thons in which t


ivil actions havbanks and on

anipulate the U


e been filed inunder the USuding BBPLC. lidated action.

ss the consolid

ave been fileded classes of several internatder the US Emons in the oth

h was deniedovery comme

BPLC, BBPLC, . In particular,s brought on ed futures cons that are link

May 2015, wh

DOJ-AD in coIBOR. As a rese damages if

by the conditiotion, subject t

n obligations.

hreatened agahe number of they may be br


ve been filed ine broker, vioUSD ISDAFIX.


n the SDNY on Sherman AnIn February 20.

dated action b

in the SDNY, plaintiffs allegtional banks aployee Retiremer cases, as w

in March 20nced in May 2

BCI and other BBPLC is allebehalf of purc

ntracts and puked to EURIBOen the court m

onnection withsult of that grdamages wereonal leniency ato BBPLC sati

inst the Groupsuch proceedirought have in


n the SDNY onlated the US A consolidate


n behalf of prtitrust Act an

014, the SDNY

but dismissed t

and one civil ging injuries ras defendants, ment Income S

well as addition

015. Plaintiff h2015.

r EURIBOR panged to have cchasers and seurchasers of otR) during the modified the s

h potential USrant of conditie to be awardand (ii) relief fsfying the DO

p in connectioings in non-US

ncreased over t


n behalf of a pSherman Antied amended c


roposed classend New York sY combined all

two actions al

action has berelated to Bar including BPLSecurity Act (Eal allegations

has sought an

nel banks. Theconspired withellers of NYSEther derivative period 1 Junestay to permit

S antitrust lawional leniency,

ded in any civilfrom potential

OJ-AD and the

n with allegedS jurisdictions,time.


proposed classitrust Act andcomplaint was


es of plaintiffsstate law and then-pending

lleging classes

een filed in therclays’ allegedLC, BBPLC andERISA) statuteabout Foreign

n

e h E e e t

w , l l

e

d ,

t

s d s

t

s d g

s

e d d e n

Financial

Barclays PLC

Exchange salAct and/or th Claimed Amo The financial results, cash f Civil Actions Since March plaintiffs, alleand gold derprotection law Claimed Amo It is not currdescribed or particular per US Residentia The Group’s a Sponsorin Economic Sales of a Sales of a Sales of a

repurchasacquired

Throughout tbacked securtoday. In connectionrepurchase reactions have loans. In addition, thclaims. The cwas approxim Regulatory aTroubled AssEastern Distrsecurities, an RMBS Repurc Background The Group w Approxim Approxim Approxim

In addition, th

Statement

C – 2015 Interim

es practices anhe US Commo

ounts/Financia

impact of theflows or financ

in respect of t

2014, a numbeging that BBPrivative contraws. All of the c

ounts/Financia

rently practicawhat effect th

riod.

al and Comme

activities withing and underwc underwritingpproximately pproximately

approximately sed) that werein 2007 (Acqu

this time peririties (RMBS)

n with its loaequests relatin been comme

he Group is paurrent outstan

mately $0.8bn.

nd governmenset Relief Progict of New Yod the Group is

chase Request

as the sole promately $5bn of mately $0.2bn omately $3bn of

he Acquired Su

t Notes

m Results

nd ERISA plandity Exchange

al Impact

actions descrcial position in

the Gold Fix

ber of civil comPLC and other acts in violatiocomplaints hav

al Impact

able to providhat they migh

ercial Mortgag

in the US residwriting of apprg exposure of a$0.2bn of loan$3bn of loans $19.4bn of loa

e originated anuired Subsidiar

od affiliates oand US comm

n sales and cng to loans witnced by vario

arty to a numbnding face amo.

ntal authoritieram, the US A

ork have initiats co-operating

ts

ovider of vario Group sponsoof sales of loan loans sold to o

ubsidiary prov

s. All of the ote Act.


mplaints have members of

on of the CEAve been transf

de an estimatet have upon o

ge-related Act

dential mortgagoximately $39

approximately ns to governm to others; andans (net of appnd sold to thirdry).

of the Group emercial mortg

certain privateth a principal bus parties alle

ber of lawsuits ount of RMBS

es, including aAttorney’s Offic

ted wide-rang with several o

us loan-level rored securitisans to GSEs; andothers.

ided R&Ws on

81

ther newly filed

roup or what er period is cur

been filed in UThe London G

A, the US Sherferred to the SD

e of the finanoperating resu

tivity and Litig

ge sector durin9bn of private- $34bn for othent sponsored

d proximately $5d parties by m

engaged in segage-backed s

e-label securitibalance of app

eging that the

filed by purch related to thes

amongst otherce for the Distging investigatof those invest

representationations; d

n all of the $19

d actions asse

effect that therently uncerta

US federal couGold Market Frman AntitrusDNY and cons

ncial impact oults, cash flow

gation

ng the period flabel securitisa

her private-labed enterprises (G

500m of loansmortgage origin

econdary marksecurities (CM

isations, on 3proximately $2 Group must r

hasers of RMBSse pending cla

rs, the DOJ, Srict of Connec

tions into martigations.

s and warrant

.4bn of loans i

ert claims unde

ey might have in.

rts, each on bFixing Ltd. manst Act, and staolidated for pr

of the potentis or the Grou

from 2005 thrations; el securitisatioGSEs);

s sold during thnator affiliates

ket trading of BS), and such

0 June 2015, 2.6bn at the timrepurchase a s

S asserting staaims against th

EC, Special Incticut and the rket practices

ties (R&Ws) wi

it sold to third

er the US Sher

upon the Grou

ehalf of a propnipulated the ate antitrust aretrial purpose

ial exposure op’s financial p

rough 2008 inc

ons;

his period ands of an entity t

f US residentiah trading activ

the Group hame they were substantial nu

atutory and/orhe Group as of

spector GeneUS Attorney’sinvolving mor

ith respect to:

parties.

rman Antitrust

up’s operating

posed class ofprices of gold

and consumeres.

of the actionsposition in any

cluded:

d subsequentlyhat the Group

al mortgaged-vity continues

ad unresolved sold, and civil

umber of such

r common lawf 30 June 2015

ral for the US Office for the

rtgage-backed

t

g

f d r

s y

y p

-s

d l

h

w 5

S e d

Financial

Barclays PLC

R&Ws on thesecuritisationThere are nothird parties. Under certainmake other p The unresolveAcquired Subapproximatel A substantialthat have beeand/or the Amaking repur(but unspeciftrustees. All o In addition, tallegedly suffconnection w Claimed Amo It is not curreeffect that the RMBS Securit Background As a result ofRMBS sponsoamong othermisleading stRMBS and rec The original fwhich approx Cumulative re Claimed Amo If the Group wthe RMBS atcumulative lotime and less Although theGroup has esbe entitled to Other Mortga In addition tauthorities, aAttorney’s Ofinvestigating offerings of

Statement

C – 2015 Interim

e remaining Grn trusts with a stated expira

n circumstancepayments relat

ed repurchasebsidiary on loay $2.6bn at th

number (appen commence

Acquired Subsirchase requesfied) amount oof the litigation

the Acquired fered by a loa

with loan sales

ounts/Financia


ties Claims

f some of the Rored and/or ur things, that thtatements andcovery of mon

face amount ximately $0.8b

ealised losses

ounts/Financia

were to lose tt the time ofosses on the R any provision

e purchasers instimated the too indemnificatio

age-related Inv

to the RMBS amongst themffice for the Di various aspecRMBS and tra

t Notes

m Results

roup sponsorea Group subsiation provision

es, the Group ted to such loa

e requests recens sold to GSE

he time of such

roximately $2ed by the trusidiary must rets have also a

of loans than tn involving rep

Subsidiary is an purchaser a to the purcha

al Impact


RMBS activitiesunderwritten bhe RMBS offerd/or omissionsnetary losses a

of RMBS relatbn was outstan

reported on th

al Impact

the pending acf judgement (RMBS at such ns taken to dat

n these securitotal market vaon for a portio

vestigations

Repurchase Rm the DOJ, SE

strict of Conncts of the morading practice

ed securitisatiodiary, such as

ns applicable to

and/or the Acans if the R&W

eived on or befEs and others ah sale.

.2bn) of the ustees for certapurchase loan

alleged that thhe amount of

purchase reque

subject to a cas a result of ser during the


s described abby the Group bring materials s and generalrising out of th

ted to the pennding as at 30

hese RMBS as

ctions the Gro(taking into a time and anyte.

ties actions halue of these R

on of such loss

Requests and EC, Special Insecticut and thrtgage-relatedes in the seco

82

ons were prims the depositoo most R&Ws

cquired Subsids are breached

fore 30 June 20and private-lab

nresolved repin RMBS secu

ns that violatedhe operative R& loans previouests remain at

civil action sef alleged breac period 1997-2


bove, the Groubetween 2005allegedly reliely demand resheir ownership

nding civil act June 2015.

at 30 June 201

oup believes it account furthey interest, fees

ave generally nMBS as at 30

ses.

RMBS Securspector Genere US Attorney

d business, incondary market

marily providedor for the secus made by the

diary may be red.

015 associatedbel activities h

urchase requeuritisations in wd the operativ&Ws may havsly stated in sp early stages.

eking, amongches of R&Ws2007. This liti


p is party to a 5 and 2008. Ad on by such pscission and rep.

ions against t

15 were approx

could incur aer principal p and costs, les

not identified aJune 2015 to b

rities Claims, ral for the USy’s Office for thcluding issuanct for both RM

d by third-parturitisation, pro Group, the A

equired to rep

d with all R&Whad an original

ests discussed which the tru

ve R&Ws. Suchve been violatepecific repurch

g other thingss provided by gation is in ea


number of lawAs a general m

purchasers coecovery of the

the Group tota

ximately $0.2b

loss of up to ayments afterss the market

a specific amoube approximat

numerous reg Troubled As

he Eastern Distce and underw

MBS and CMB

ty originators oviding more lAcquired Subsi

urchase the re

Ws made by the unpaid princi

above relate tstees allege thh trustees anded with respechase requests

, indemnificat the Acquiredrly stages.


wsuits filed by matter, these laontained matere consideratio

al approximat

bn.

the outstandir 30 June 20 value of the R

unt of alleged tely $0.4bn. Th

gulatory and set Relief Protrict of New Yowriting practicS. The Group

directly to thelimited R&Ws.diary or these

elated loans or

e Group or thepal balance of

to civil actionshat the Groupd other partiesct to a greatermade by such

tion for losses Subsidiary in


purchasers ofawsuits allege,rially false andn paid for the

ely $2.3bn, of

ng amount of15), plus anyRMBS at such

damages, thehe Group may

governmentalgram, the USork have beences in primary

p continues to

e .

e

r

e f

s p s r h

s n

t

f ,

d e

f

f y h

e y

l S n y o

Financial

Barclays PLC

respond to reGroup), whicthe investigasettlements in Claimed Amo It is not curreeffect that the Lehman Brot Since Septemcertain aspecassets of Leh2015, BCI andlitigation betwSDNY (Bankr Background I In Septemberthe Official Cof the Sale, asreturn to the claims pursua In January 20LBI had failedthose assets, In 2011, the Band some in Claims to the In July 2012, t $1.1bn (£ Property h

(ETD Mar

The Trustee Clearance Box In October 20ETD Margin tand BBPLC toSDNY ruled in In October 20respect of the Recent Develo In December regarding the In May 2015(Settlement).has received (£51m) of asexpected to b

Statement

C – 2015 Interim

equests relatinch was formedations by memnvolving subst

ounts/Financia


thers

mber 2009, BCcts of the tranman Brothers d BBPLC reachween them reuptcy Court) o

Information

r 2009, motionCommittee of Us well as the O LBI estate anyant to the Sale

10, BCI filed itd to deliver as Contract Claim

Bankruptcy Co favour of BC

e SDNY. LBHI a

the SDNY issu£0.7bn) from theld at variousrgin).

appealed to tx Assets and t

014, the Trustthat BCI and Bo approximaten favour of BC

014, the Truste Clearance Bo

opments

2014, the True ETD margin.

5, the parties The Settleme all of the assssets that the be received fro

t Notes

m Results

ng to the RMBd to investigatmbers of thetantial moneta

al Impact


I and BBPLC hsaction pursu Inc. (LBI) in Se

hed a settlemeelating to the Son 29 June 201

ns were filed iUnsecured Cre

Order. The claimy excess value e documents a

s response to required by th

ms).

ourt rejected thCI. BCI and theand the Comm

ed an opinion he Trustee in rs institutions in

he Second Cirthe ETD Margi

tee filed a moBBPLC were enely $1.1bn of aI and BBPLC, c

tee made a paox Assets.

ustee requested In May 2015,

reached a sent was approvsets that the T Trustee is ent

om third partie

BS Working Grte pre-financiae RMBS Workary payments.


have been engant to which eptember 200

ent with the SIPSale. The settl15, thereby bri

n the Bankrupeditors of Lehmmants sought BCI allegedly nd the Order (

the motions ahe Sale docum

he Rule 60 Clae Trustee eachittee did not a

on the Contrarespect of ‘clean respect of th

rcuit. In Augun.

otion with the ntitled to receassets that theconfirming tha

ayment to BBP

d that the US S the US Suprem

settlement to ved by the Ba

Trustee had astitled to retains.

83

roup of the Final crisis mortgking Group, a


gaged in litigatBCI, BBPLC an8, as well as thPA Trustee forement was apnging the litig

ptcy Court by man Brothers an order voidreceived, and d(Rule 60 Claim

and also filed aments and the O

aims and decidh appealed thppeal the Ban

act Claims statarance box’ ashe exchange tr

ust 2014, the S

SDNY to confive. With that

e Trustee asseat they were en

PLC of $1.1bn

Supreme Courme Court publ

resolve outstnkruptcy Cousserted did non and approxi

nancial Fraud gage-related ma number of


tion with variond other comphe court orderr Lehman Brotpproved by thation challeng

Lehman Broth Holdings Inc. ing the transfedeclaring that

ms).

a motion seekinOrder (togethe

ded some of the Bankruptcy kruptcy Court

ting that BCI anssets (Clearancraded derivativ

Second Circuit

firm the scope motion, the T

erted did not cntitled to all of

(£0.7bn), fully

rt review the rulished its denia

tanding litigatrt on 29 June ot constitute Emately $0.3bn

Enforcement Tmisconduct. In

financial inst


ous entities thapanies in the Gr (Order) approthers Inc. (Truse United State

ging the Sale to

hers Holdings (Committee) er of certain as BCI is not ent

ng delivery of er with the Tru

he Contract Cl Court’s adver’s ruling on the

nd BBPLC werece Box Assets)ves accounts t

t affirmed the

e of the SDNYTrustee challenconstitute ETDf the ETD Marg

y discharging

ulings of the Sal of the Truste

tion between 2015. PursuanETD Margin wn of ETD Marg

Task Force (R connection w

titutions have


at have soughGroup acquireoving the sale stee) to resolves Bankruptcy o an end.

Inc. (LBHI), th challenging cssets to BCI, retitled to certain

certain assets ustee’s compe

aims in the Trrse rulings one Rule 60 Claim

e entitled to re); and ransferred to B

e SDNY’s decis

Y’s judgement nged the entit

D Margin. In Agin.

the Trustee’s

DNY and the See’s request.

them relatingnt to the Settle

with the excepgin still owed

RMBS Workingwith several of entered into


ht to challenged most of the (Sale). In May

ve outstanding Court for the

e Trustee andertain aspects

equiring BCI ton assets that it

that LBHI andeting claims to

ustee’s favourn the Contractms.

eceive:

BCI in the Sale

sion as to the

regarding thetlement of BCIApril 2015, the

obligations in

Second Circuit

g to the Saleement, BBPLC

ption of $80m to BBPLC but

g f o

t

e e y g e

d s o t

d o

r t

e

e

e I e

n

t

e C

m t

Financial

Barclays PLC

Financial Imp As at 30 Juneassets to whifinancial asseended 30 JunJuly 2015 of aETD Margin tpayment in reBBPLC has a expected to b American De BPLC, BBPLC action consoDepositary ShOffering). Background I The plaintiffs Offering cont(including UScondition. Th In June 2014, Claimed Amo It is not curreeffect that the BDC Finance BDC Financeconnection wruling was mBDC have alAgreement. Background I In October 2failed to trans BDC asserts tcollateral anddispute the D BDC demand In August 20dispute the Dwhether BBPLDivision). In SeptemberHoldings, L.LBBPLC’s condtortious interf

Statement

C – 2015 Interim

pact

e 2015, BBPLC ich BBPLC is eet reflects an inne 2015 as a reapproximatelythat the Trusteespect of the Efinancial asset

be received fro

epositary Shar

and various foolidated in thehares issued b

Information

have assertedtained misstateS subprime-rehe plaintiffs ha

the SDNY den

ounts/Financia


L.L.C.

e L.L.C. (BDC)with a portfolio

ade against Bso sued BBPL

Information

008, BDC filedsfer approxima

that under the d that even if tDemand.

ds damages tot

012, the NY SuDemand beforeLC actually did

r 2011, BDC’s L.C. also sued duct relating toference with b

t Notes

m Results

recognised asentitled as partncrease of appesult of the Se

y $1.3bn (£0.9bee is entitled tETD Margin ort of approxima

om third partie

res

ormer membee SDNY alleg

by BBPLC in Ap

d claims undeements and om

elated) securitiave not specific

nied defendant

al Impact


) filed a compo of total returBPLC, but the LC and BCI in

d a complaintately $40m of

Agreement BBhe Agreement

talling $298m

upreme Court e transferring td so. The partie

investment ad BBPLC and Bo the Agreemebusiness and p

s a financial ast of the Sale aproximately $0ettlement. Pursbn), representto retain under otherwise reately $0.3bn os.

rs of BPLC's Boing misstatem

pril 2008 with

r the Securitiemissions concies, BBPLC’s ecally alleged th

ts’ motion to d


plaint againstrn swaps gove New York Stan Connecticut

t in the NY Su alleged excess

BPLC was not t entitled BBPL

plus attorneys

granted partiathe alleged exces cross-appe

dvisor, BDCM BCI in Connecent, asserting c

prospective bus

84

sset on its baland the Settlem0.8bn (£0.5bnsuant to the Sting the value or the terms oflating to the S

on its balance

oard of Directoments and om

an original fac

s Act of 1933,cerning (amonexposure to mhe amount of t

dismiss the cla

of the financiag results, cash

t BBPLC in therned by an ISate Court of Apt State Court

upreme Court s collateral in r

entitled to disLC to dispute t

s’ fees, expens

al summary jucess collateralaled to the Ap

Fund Adviser,cticut State Coclaims for violsiness relation

ance sheet appment but whic) recognised i

Settlement, theof the ETD Maf the SettlemenSale. After applsheet in respe

ors have been missions in ofce amount of a

alleging that tgst other thing

mortgage and their damages

aims. The case

l impact of th flows or finan

he NY SupremSDA Master Agppeals effectiv

in connection

alleging that response to BD

pute the Demathe Demand be

ses, and prejud

udgement for , but determin

ppellate Divisio

, L.L.C. and itsourt for unspeation of the Co

ns. The parties

proximately $1ch it had not ren profit and lo

e Trustee madargin held by tnt, thereby fullication of this

ect of ETD Mar

named as defffering documapproximately

the offering dogs) BBPLC’s pocredit market

s.

is in discovery

e action descrncial position in

me Court alleggreement (collvely reversed tn with BBPLC

BBPLC breachDC’s October 2

and before traefore making t

dgement intere

BBPLC, ruling ning that a triaon of the NY Su

s parent compecified damagonnecticut Un have agreed t

1.6bn (£1.0bneceived as of toss for the six e a payment the Trustee lesly discharging

s payment fromrgin still owed

fendants in a sments for certy $2.5 billion (t

ocuments for tortfolio of mor risk, and BBP

y.


ging breach olectively, the Ahat ruling. Par

C’s conduct re

hed the Agree2008 demand

ansferring the athe transfer, B

est.

that BBPLC wal was requiredupreme Court

pany, Black Diages allegedly rfair Trade Praco a stay of tha

) in respect ofthat date. The month periodto BBPLC on 2s the $80m of

g the Trustee’sm the Trustee, to BBPLC but

securities classtain Americanthe April 2008

the April 2008rtgage-relatedPLC’s financial


of contract inAgreement). Arties related toelating to the

ement when it (Demand).

alleged excessBBPLC failed to

was entitled tod to determine (NY Appellate

amond Capitalresulting fromctices Act and

at case.

f e d 2 f s , t

s n 8

8 d l

t

n A o e

t

s o

o e e

l m d

Financial

Barclays PLC

In October 20of BBPLC, andThe NY AppeSupreme Cou Recent Develo In February 2modified the either party’sAgreement. Tproceedings. Claimed Amo BDC has madamount does Civil Actions In April 2015approximatelUS Anti-TerroIranian banksfor pain, suffdamages. Claimed Amo It is not currethese matters Credit Defau The Commis2013 the Corelates to conderivative pro If the CommCommission’BPLC is also cin the case is Claimed Amo It is not curreeffect that the Portuguese C The Portuguinformation aparticular refoperating wit Claimed Amo It is not currehave upon op

Statement

C – 2015 Interim

013, the NY Apd instead granellate Division urt.

opments

2015, in conn NY Appellates favour cannThe New York

ounts/Financia

de claims agais not necessari

in respect of t

, an amended y 250 plaintifforism Act (ATs, which in turfering and men

ounts/Financia

ently practicabs might have u

lt Swap (CDS)

sion and the mmission addncerns that ceoducts.

mission does s sanctions cacontesting a p ongoing.

ounts/Financia


Competition A

uese Competitabout retail creference to moth the investiga

ounts/Financia

ently practicabperating result

t Notes

m Results

ppellate Divisionted BDC’s mo did not rule o

nection with the Division’s grnot be granted Court of App

al Impact

inst the Groupily reflect the G

the US Anti-T

civil complainfs, alleging thaTA) by facilitatrn funded Hezntal anguish p

al Impact

ble to provide aupon operating

) Antitrust Inv

DOJ-AD commdressed a Statrtain banks to

reach a decisan include fine

proposed, cons

al Impact


Authority Inves

tion Authorityedit products aortgages, consation.

al Impact

ble to provide ts, cash flows o

on reversed thotion for partiaon the amoun

he BBPLC apprant of partial d because a meals ordered t

p totalling $29Group’s potent

errorism Act

nt was filed in tat the Group anting US dollarbollah attacks

pursuant to th

an estimate ofg results, cash

vestigations an

menced investtement of Obj

ook collective a

sion in this mes. The DOJ-Asolidated class


stigation

y is investigatamongst 15 bsumer lending

an estimate oor the Group’s

85

he NY Supremeal summary judnt of BDC's da

peal of the Oc summary judmaterial issuethat the matte

98m plus attortial financial ex

the US Federalnd a number or denominateds that injured te provisions o

f the financial i flows or the G

nd Civil Action

tigations in thjections to BBaction to delay

matter it has AD’s investigats action allegin


ting whether banks in Portugg and lending

of the financia financial posit

e Court’s grandgement, holdmages, which

ctober 2013 ddgement to BDe of fact remar be referred b

rneys’ fees, exxposure if a ru

l Court in the Eof other banksd transactions the plaintiffs’ fof the ATA, w

impact of the Group’s financ

ns

he CDS marketBPLC, 12 othey and prevent

indicated thation is a civil inng similar issue


competition gal, including to small and

l impact of thetion in any par

nt of partial sumding that BBPLh has not yet b

decision, the NDC, holding thains as to whback to the NY

xpenses, and puling were to b

Eastern Distric engaged in a for the Gove

family membehich allows fo

matters in thisial position in

t, in 2011 andr banks, Markthe emergenc

at it intends nvestigation aes that has bee


law was infrithe Group, ov

d medium ent

ese matters orticular period

mmary judgemLC breached thbeen determin

New York Couhat summary hether BBPLC Y Supreme Co

pre-judgemente made agains

ct of New York conspiracy anrnment of Irars. Plaintiffs se

or the tripling o

s section or wany particular

d 2009, respekit Ltd. and ISce of exchange

to impose saand relates to en filed in the


inged by the ver a period of erprises. The

r what effect t.

ment in favourhe Agreement.ned by the NY

urt of Appealsjudgement inbreached theurt for further

t interest. Thisst it.

k by a group ofnd violated then and variouseek to recoverof any proven

hat effect that period.

ctively. In JulySDA. The casee traded credit

anctions. Thesimilar issues. US. Discovery


exchange of 11 years with Group is co-

that they may

r .

Y

s n e r

s

f e s r n

t

y e t

e .

y

t

f h -

y

Financial

Barclays PLC

General The Group is jurisdictions. time to time,fraud, trusts, and common The Group is proceedings protection mbusiness activ At the presenadverse effecspecifically dematerial to thamount of th

18. Rel

Related partyAnnual Repothe performathe 2014 Ancurrent period

Statement

C – 2015 Interim

engaged in va It is subject to, including (bu client assets, c

n law issues.

also subject toby regulatorseasures, compvities in which

nt time, the Gct on its finanescribed in thihe Group’s rese loss resulting

lated party

y transactions rt. No related p

ance of the Gronual Report thd.

t Notes

m Results

arious other leo legal proceedut not limited competition, d

o enquiries ans, governmentpliance with le the Group is o

Group does noncial position. is note, there csults of operatg from the ma

y transactio

in the period party transactoup during thihat could hav

egal, competitdings by and a to) disputes

data protection

d examinationtal and other

egislation and or has been en

ot expect the uHowever, in l

can be no assutions or cash fatter(s) and the

ons

ended 30 Juneions that haves period and t

ve a material e

86

ion and regulaagainst the Groin relation to n, money laund

ns, requests fo public bodieregulation, wh

ngaged.

ultimate resolulight of the unurance that thflow for a parte amount of in

e 2015 were se taken place inthere were no effect on the

atory matters oup which ariscontracts, secdering, employ

r information,es in connectiholesale tradin

ution of any oncertainties in

he outcome of ticular period, ncome otherw

similar in naturn 2015 have mchanges in thefinancial posit

both in the UKse in the ordincurities, debt cyment, environ

audits, investion with (but

ng activity and

of these other nvolved in sucf a particular mdepending on

wise reported fo

re to those dismaterially affece related partition or perfor

K and a numbary course of collection, connmental and o

igations and le not limited t other areas o

matters to hach matters anmatter or matten, amongst othor the reportin

sclosed in the cted the finances transactionmance of the

er of overseasbusiness from

nsumer credit,other statutory

egal and otherto) consumer

of banking and

ave a materiald the mattersers will not beher things, theg period.

Group’s 2014cial position orns described in Group in the

s m

, y

r r d

l s e e

4 r n e

Financial

Barclays PLC

19. Seg

Analysis of resHalf year endeTotal income nCredit impairmNet operating Operating expeCosts to achievOther net (expeProfit before ta

Total assets

Analysis of resHalf year endeTotal income nCredit impairmNet operating Operating expeCosts to achievOther net incom(Loss)/profit b

Total assets

Analysis of resHalf year endeTotal income nCredit impairmNet operating Operating expeCosts to achievOther net incomProfit before ta

Total assets

Analysis of resHalf year endeTotal income nCredit impairmNet operating Operating expeCosts to achievOther net incomProfit/(loss) b

Total assets

1 Other incom

joint venture

Statement

C – 2015 Interim

gmental re

sults by businesed 30.06.15 net of insurance

ment charges andincome enses ve ense)/income1 ax


ment charges andincome enses ve me/(expense)1 before tax


ment charges andincome enses ve me1 ax


ment charges andincome enses ve me/(expense)1 efore tax

me/(expense) reprees; and gains on ac

t Notes

m Results

eporting

ss


ss


ss


ss


esents: share of pcquisitions.

ns

ns

ns

ns

post-tax results of

87

P

P

associates and jo

Personal and Corporate

Banking £m

4,384

(178)

4,206 (2,491)

(139)

(48)

1,528

£bn

289.9

Head Office B£m

42 (1)

41 (85)

(22)

4

(62)

£bn

52.6

Personal and Corporate

Banking

£m

4,361

(230)

4,131 (2,554)

(115)

6

1,468

£bn

268.1

Head Office B£m

159

-

159 (91)

(2)

-

66

£bn

43.3

int ventures; profi

Barclaycard A£m

2,357 (563)

1,794 (961)

(56) 18

795

£bn 41.9

Barclays Core B

£m 12,940

(936) 12,004 (7,448)

(293) (22)

4,241

£bn 858.5

Barclaycard A£m

2,124 (537)

1,587 (822)

(36) 35

764

£bn 36.2

Barclays Core B

£m 12,674

(937) 11,737 (7,491)

(453) 47

3,840

£bn 846.2

it or (loss) on disp

Africa Banking £m

1,858 (193)

1,665 (1,116)

(13) 4

540

£bn 54.0

Barclays Non-Core

£m 42

(37) 5

(498) (23)

4 (512)

£bn 338.2

Africa Banking £m

1,773 (196)

1,577 (1,082)

(17) 6

484

£bn 52.4

Barclays Non-Core

£m 658

(149) 509

(893) (41) (66)

(491)

£bn 468.6

posal of subsidiarie

Investment Bank

£m 4,299

(1) 4,298

(2,795) (63)

- 1,440

£bn 420.1

Barclays

Group Adjusted

£m 12,982

(973) 12,009 (7,946)

(316) (18)

3,729

£bn 1,196.7

Investment Bank

£m 4,257

26 4,283

(2,943) (282)

- 1,058

£bn 446.2

Barclays

Group Adjusted

£m 13,332 (1,086) 12,246 (8,383)

(494) (20)

3,349

£bn 1,314.9

es, associates andd

Financial

Barclays PLC

Reconciliation statutory basisHalf year endeTotal income nCredit impairmprovisions Net operating Operating expeCosts to achievOther net (expeProfit/(loss) Half year endeTotal income nCredit impairmprovisions Net operating Operating expeCosts to achievOther net (expeProfit/(loss)

Statement

C – 2015 Interim

of adjusted bass ed 30.06.15 net of insurance

ment charges and

income enses ve ense)/income

ed 30.06.14


income enses ve ense)/income

t Notes

m Results

sis to Barc

Gradjus

claims 12,9d other

(912,0(7,9

(3(

3,7

claims 13,3d other

(1,012,2(8,3

(4(

3,3

lays oup

sted Own

credit£m £m

982 410

973) -009 410946) -316) -(18) -729 410

£m £m332 52

086) -246 52383) -494) -(20) -349 52

88

n t

Provision for UK

customer redress

G

ac

m £m 0 -

- 0 -

(1,032) - -

0 (1,032)

m £m 2 -

- 2 -

(900) - -

2 (900)

ain on US Lehman

cquisition assets

Prov

invesand

r

E£m

496

- 496

- - -

496

£m -

- - - - - -

visions for ongoing

stigations litigation primarily elating to

Foreign Exchange

Losale

Spbu

£m -

- -

(800) - -

(800)

£m -

- - - - - -

oss on of the panish siness

Gainvaluat

ocompon

of defin

retirembenliabi

£m -

- - - 4-

(118) (118) 4

£m -

- - - - - -

n on tion of a

nent the ned

ment nefit ility

BarclaysGroup

statutory£m £m

- 13,888

- (973)- 12,915

429 (9,349)- (316)- (136)

429 3,114

£m £m- 13,384

- (1,086)- 12,298 - (9,283)- (494)- (20)- 2,501

s p y

m

) ) ) )

m

) ) ) )

Financial

Barclays PLC

20. Bar

Assets Investments in Loans and advaDerivative finanOther assets

Total assets Liabilities Deposits from Subordinated lDebt securitiesOther liabilities

Total liabilities Equity

Called up shareShare premiumOther equity inCapital redempRetained earnin

Total sharehol

Total liabilities

Investment in

The investmeincluding £4,contribution

Loans and ad

During H115,raised througcorrespondin

Statement

C – 2015 Interim

rclays PLC

subsidiary ances to subsidincial instrument

banks iabilities

s in issue s

s

e capital m account nstruments ption reserve ngs

ders' equity

s and sharehold

n subsidiary

ent in subsidia326m (2014: £made to Barcla

dvances to sub

, Barclays PLC gh these transang to the notes

t Notes

m Results

parent ba

iary t

ers' equity

ry of £34,303m£4,326m) of Aays Bank PLC.

bsidiary and d

issued $4bn oactions were us issued by Bar

lance shee

m (2014: £33,7AT1 securities.

debt securities

of Fixed Rate Sused to make $rclays PLC.

89

et

743m) represe The increase o

s in issue

Senior Notes, a$4bn of Fixed R

ents investmenof £560m dur

accounted for aRate Senior Lo

nts made into ing the period

as debt securitoans to Barclay

As at 30.06.15

£m 34,303

5,318 194 184

39,999

519 800

4,518 -

5,837

4,193

17,330 4,326

394 7,919

34,162

39,999

Barclays Bank was due to a

ties in issue. Tys Bank PLC, w

As at

31.12.14 £m

33,743 2,866

313 174

37,096

528 810

2,056 10

3,404

4,125 16,684

4,326 394

8,163

33,692

37,096

k PLC, cash

he proceeds with a ranking

Sharehold

Barclays PLC

Results timetaEx-dividend daDividend RecorScrip referenceCut off time of Revocation ForDividend PaymQ3 2015 Interim

For qualifying U(representing fthe record at c

Exchange ratePeriod end - US6 month averag3 month averagPeriod end - €/6 month averag3 month averagPeriod end - ZA6 month averag3 month averag

Share price daBarclays PLC (pBarclays PLC nBarclays AfricaBarclays Africa

For further info

Investor relatioKathryn McLela More informati

Registered offi1 Churchill Plac

Registrar Equiniti, AspecTel: 0871 384 2

1 Note that th

at Barclays.c2 The average3 The change 4 Calls cost 8p

der Inform

C – 2015 Interim

ble1

ate

rd date

e share price set 4.30 pm (Londorms (as applicab

ment date /first dm Management

US and Canadianfour shares). Thelose of business

s2

S$/£

ge - US$/£

ge - US$/£

/£

ge - €/£

ge - €/£

AR/£

ge - ZAR/£

ge - ZAR/£

ata

p)

umber of shares Group Limited Group Limited

formation please

ons

and +44 (0) 20 7

ion on Barclays

ice

ce, London, E14

t House, Spence20554 from the

hese announcemencom/dividends. e rates shown abov is the impact to Stp per minute plus n

ation

m Results

and made availon time) for the ble)

day of dealing int Statement

n resident ADR e ADR depositars on Friday, 7 Au

s (m)

(formerly Absa (formerly Absa

e contact

7116 4943

can be found on

5HP, United Kin

er Road, LancingUK or +44 121 4

nt dates are provis

ve are derived fromterling reported infnetwork extras. Li

able to shareho receipt of Mand

New Shares

holders, the secry will post the sugust 2015. The

Group Limited) Group Limited)

n our website: B

ngdom. Tel: +44

g, West Sussex B415 7004 from o

sional and subject

m daily spot rates dformation. ines open 8.30am

90

lders

date Forms or

ond interim divisecond interim d ex-dividend dat

(ZAR)

number of shar

arclays.com

(0) 20 7116 10

BN99 6DA Uniteoverseas.

t to change. Any c

during the year.

to 5.30pm UK time

Date

6 August 27 August 213 August 21 August

14 Septem29 October

dend of 1p per odividend on Monte will be Wedne

30.06.11.571.521.531.411.371.38

19.1218.1618.49

30.06.1260.5016,773182.98

res (m) 848

Media rWill Bow

00. Company nu

ed Kingdom.

changes to the Scr

e, Monday to Frida

015

015

2015

2015

ber 2015

r 2015

ordinary share bnday, 14 Septemesday, 5 August

5 31.12.14 7 1.56 2 1.63 3 1.58 1 1.28 7 1.26 8 1.27 2 18.03 6 17.85 9 17.75

5 31.12.14 0 243.50 3 16,498 8 182.00 8 848

elations

wen +44 (0) 20 3

umber: 48839

rip Dividend Progr

ay excluding UK pu

becomes 4p per mber 2015 to AD

2015.

30.06.14 31.11.71 1.67 1.68 1.25 1.22 1.23

18.17 17.82 17.76

30.06.14 212.80 16,417 161.50

847

3134 7744

ramme dates will b

ublic holidays.

ADS DR holders on

Change3

12.14 30.06.141% (8%)

(7%) (9%)(3%) (9%)10% 13%

9% 12%9% 12%6% 5%2% 2%4% 4%

be made available

4 ) ) )

% % % % % %

e

Sharehold

Barclays PLC

Listing

The principalStock Exchanand is eviden+1-651-453-2Paul, MN 551

Barclays PL

Shareholders(the ProgramPLC instead o

For further dplease visit BUK or +44 12United Kingdo

1 Calls cost 8p

der Inform

C – 2015 Interim

l trading marknge is in the fonced by an A2128, domesti64-0504, USA

C Scrip Divid

may have themme). The Progof a cash divide

details, includinarclays.com/d1 415 7004 from.

p per minute plus n

ation

m Results

ket for Barclayorm of ADSs un

DR. The ADRic telephone n

A.

dend Program

eir dividends regramme enablend, without in

ng the full Tedividends. Alterom overseas,

network extras. Li

ys PLC ordinander the ticker

R depositary isumber is 1-80

mme

einvested in Baes shareholdencurring dealin

rms and Condernatively contor write to Eq

ines open 8.30am

91

ry shares is thr symbol 'BCS's JP Morgan C00-990-1135 a

arclays shares ers, if they wishng costs or sta

ditions and inftact our Registuiniti, Aspect

to 5.30pm UK time

he London Sto. Each ADS rep

Chase Bank, wand address is

by joining the h, to receive neamp duty.

formation abotrar: Equiniti, bHouse, Spence

e, Monday to Frida

ock Exchangepresents four o

whose internat JPMorgan Cha

Barclays PLC ew fully paid o

out how to joiby telephoninger Road, Lanci

ay excluding UK pu

e. Trading on tordinary sharetional telephoase Bank, PO B

Scrip Dividendordinary shares

in or leave theg 0871 384 20ing, West Suss

ublic holidays.

the New Yorkes of 25p eachone number isBox 64504, St.

d Programme s in Barclays

e Programme,0551 from thesex BN99 6DA

k h s .

, e A

Documents

Barclays Bank plc 2015 Interim Results