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Barclays
Barclays (BARC) investor relations material
Barclays Q4 2025 Fixed Income earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 Fixed Income earnings summary10 Feb, 2026
Executive summary
Achieved all 2025 financial targets, including 11.3% return on tangible equity and 9% year-on-year income growth to £29.1bn.
Profit before tax rose to £9.1bn, and EPS increased to 43.8p, reflecting strong operating leverage and cost discipline.
Cost-income ratio improved to 61%, and loan loss rate was 52bps, within guidance.
Maintained strong capital position, ending at the top of the 13%-14% CET1 range after buyback.
Focused on capital discipline, stable RWAs in Investment Bank, and growth in high-return UK businesses.
Financial highlights
Net interest income (NII) guidance met for both group and UK, with group NII up 13% to £12.8bn.
CET1 ratio at 14.3% (14% post-buyback), with 173bps capital generated from profits.
Dividend payout of £1.2bn and buybacks totaling £2.5bn, exceeding guidance.
Average LCR at 170% (£131bn excess liquidity), NSFR at 135%, and loan-to-deposit ratio at 73%.
Tangible net asset value per share increased to 409p.
Outlook and guidance
Targeting Group RoTE >12% in 2026 and >14% in 2028, with progressive increases in total payout.
Group income guidance for FY26 is c.£31bn, with NII expected to exceed £13.5bn.
CET1 ratio expected to remain within 13-14% range, with >200bps of capital generation in 2026.
Expecting >5% annual loan growth to 2028 and stable Investment Bank RWAs (~£200bn).
Group cost-income ratio expected in low 50s by 2028.
How will Pillar 2A offset RWA inflation?
Assess structural hedge income growth beyond 2028.
How do risk transfers optimize IB capital consumption?
What regulatory clarity will drive CET1 range shift?
What is the future growth strategy for SRTs?
How will Barclays sustain structural hedge income?
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Next Barclays earnings date
Q1 202629 Apr, 2026
Barclays
Next Barclays earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Over 300 Years of Experience
Barclays PLC is a well-established multinational banking and financial services corporation, headquartered in London. With roots tracing back to the late 16th century, Barclays is one of the oldest financial institutions in the world. Like many similar companies, Barclays operates under a customer-centric approach while providing a broad range of financial services, including retail banking, credit cards, corporate banking, and investment banking.
A Storied History
Barclays' journey started in 1690 when John Freame and Thomas Gould started trading as goldsmith bankers in Lombard Street, London. The business grew steadily over the centuries, expanding its services and reach. The name "Barclays" was adopted in 1736 when James Barclay, a partner and eventual son-in-law of Freame, joined the business. The company has expanded and evolved over the centuries, and one notable milestone was the introduction of the world's first ATM in London in 1967. Throughout the years the bank has navigated through a changing economic landscape, including several global financial crises and sector-wide regulatory changes.
Product and Service Portfolio
Barclays Bank provides a wide array of products and services tailored to meet a broad spectrum of customer needs. Their product portfolio includes personal banking solutions such as checking accounts, savings accounts, credit cards, and mortgages. Additionally, Barclays also offers wealth management services, along with investment banking for businesses, providing solutions such as corporate lending, mergers and acquisitions advisories, and risk management. They, like all modern banks, also offer digital platforms with online and mobile services, enabling customers to manage accounts, make payments, and track investments anytime and anywhere. Some notable competitors include Goldman Sachs, Wells Fargo, and other key players in the industry.
An Influential Player in the Sector
Barclays has had a significant influence on the banking sector over the years, owing largely to its long history and widespread operations. As one of the largest banks in the world, it has often been a trendsetter, pioneering new banking products and services that have become industry standards. Its early adoption of ATMs and online banking, for instance, influenced other banks to follow suit. Barclays' influence also extends to corporate governance and sustainable banking, where its initiatives have helped shape industry practices.
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