Andrew Coombs

Christopher Cant

Guy Stebbings

Amit Goel

Chris Hallam

Daniel David

Edward Firth

Jason Napier

Jonathan Pierce

Jonathan Richard Pierce

Lee Street

Paul Fenner-Leitao

Robert Smalley

Adam Terelak

Alvaro de Tejada

Alvaro Serrano

Alvaro Serrano Saenz de Tejada

Benjamin Toms

Joseph Dickerson

Perlie Mong

Pui Mong

Robert Noble

Robin Down

Rohith Chandra-Rajan

- Barclays PLC reported a **Return on Tangible Equity (RoTE) of 10.6%** for Q3 2025 and **12.3% year-to-date**.  **[312069_0001654954-25-012054_a2903e.htm:6]** 
- The company **upgraded its 2025 RoTE guidance to greater than 11%** and reaffirmed its **2026 target of greater than 12%**.  **[312069_0001654954-25-012054_a2903e.htm:6]** 
- Barclays announced a **£500m share buyback** and plans to move to **quarterly share buyback announcements**, aiming to return at least **£10bn of capital between 2024 and 2026**.  **[312069_0001654954-25-012054_a2903e.htm:6]** 
- As of September 30, 2025, the **Common Equity Tier 1 (CET1) ratio stands at 14.1%** and **Tangible Net Asset Value (TNAV) per share grew to 392p**.  **[312069_0001654954-25-012054_a2903e.htm:6]** 
- For Q3 2025, the company reported **profit before tax of £2.1bn** and **total income of £7.2bn**, with a **cost: income ratio of 63%**.  **[312069_0001654954-25-012054_a2903e.htm:7]**

Barclays PLC Reports Q3 2025 Results, Upgrades RoTE Guidance, and Announces Share Buyback

- Barclays PLC reported a **Return on Equity (RoE) of 9.2%** and a **Return on Tangible Equity (RoTE) of 10.6%** for Q3 2025. Year-to-date (YTD) figures were **10.7% RoE** and **12.3% RoTE**, with **earnings per share (EPS) of 35.1p**.  **[312069_0000312069-25-000570_bplcq325resultsannouncement.htm:7]** 
- The company announced a **£500m share buyback** and is on track to return at least **£10bn of capital between 2024 and 2026**.  **[312069_0000312069-25-000570_bplcq325resultsannouncement.htm:7]** 
- **2025 guidance was upgraded**, with Group RoTE now expected to be **greater than 11%** (previously c.11%) and Group net interest income (NII) excluding Barclays Investment Bank and Head Office projected to be **greater than £12.6bn** (previously greater than £12.5bn).  **[312069_0000312069-25-000570_bplcq325resultsannouncement.htm:7]** 
- The Group demonstrated continued cost discipline, with the Q3 2025 YTD cost: income ratio improving to **59%** and achieving **c.£500m of cost efficiency savings** one quarter earlier than planned.  **[312069_0000312069-25-000570_bplcq325resultsannouncement.htm:7]** 
- Barclays maintained a strong balance sheet with a **CET1 ratio of 14.1%** as of September 30, 2025.  **[312069_0000312069-25-000570_bplcq325resultsannouncement.htm:7]**

Barclays PLC Reports Strong Q3 2025 Performance, Upgrades Guidance, and Announces Share Buyback

- Barclays PLC has increased its provision for motor finance customer compensation by **£235 million**, bringing the total provision to **£325 million** as of September 30, 2025.  **[312069_0001654954-25-012038_a2924e.htm:1]**  This reassessment follows the Financial Conduct Authority's (FCA) consultation paper CP25/27.  **[312069_0001654954-25-012038_a2924e.htm:1]** 
- The additional **£235 million** charge will be recognized in Barclays' **Q3 2025** results and is estimated to reduce Barclays PLC's Common Equity Tier 1 (CET1) capital ratio by approximately **5 basis points**.  **[312069_0001654954-25-012038_a2924e.htm:1]** 
- The final terms of the compensation scheme remain uncertain, with the FCA's Policy Statement and final scheme rules currently expected in early 2026.  **[312069_0001654954-25-012038_a2924e.htm:1]**  Barclays intends to make representations to the FCA, as it believes the proposed approach does not accurately address actual customer loss or achieve a proportionate outcome.  **[312069_0001654954-25-012038_a2924e.htm:1]**

Barclays Increases Motor Finance Compensation Provision

- Barclays reported a **Q3 2025 top line income increase of 11% to £7.2 billion** from £6.5 billion in the same quarter last year, with a **Return on Tangible Equity (RoTE) of 10.6%** for the quarter and **12.3% for the year to date 2025**.  **[0000312069_2195160_1]** 
- The company **upgraded its 2025 RoTE guidance to greater than 11%** and its **group Net Interest Income (NII) guidance to more than £12.6 billion** (up from more than £12.5 billion).  **[0000312069_2195160_1]** **[0000312069_2195160_3]** 
- Barclays announced a **£500 million share buyback**, bringing forward a portion of its full-year distribution plan, and reiterated its guidance to return **at least £10 billion of capital** over its three-year plan.  **[0000312069_2195160_1]** **[0000312069_2195160_6]** 
- Operational progress included achieving circa **£500 million in gross efficiency savings for 2025** one quarter earlier than planned, and maintaining a **CET1 ratio of 14.1%**.  **[0000312069_2195160_1]** **[0000312069_2195160_3]** **[0000312069_2195160_6]** 
- New targets for Barclays through to **2028** will be shared alongside the full-year 2025 results.  **[0000312069_2195160_1]** **[0000312069_2195160_15]**

Barclays Reports Strong Q3 2025 Results, Upgrades Guidance, and Announces Share Buyback

- Barclays reported a **10.6% Return on Tangible Equity (ROTE)** for Q3 2025, with year-to-date ROTE at **12.3%**, and upgraded its 2025 ROTE guidance to **greater than 11%**.  **[0000312069_2195146_1]** 
- Top-line income for Q3 2025 increased by **11%** year-on-year to **£7.2 billion**, and the company now expects Group Net Interest Income (NII) for 2025 to exceed **£12.6 billion**.  **[0000312069_2195146_1]** **[0000312069_2195146_3]** 
- The company announced a **£500 million share buyback**, plans for quarterly buybacks, and reaffirmed its commitment to return **at least £10 billion of capital** over its three-year plan, supported by a **14.1% CET1 ratio**.  **[0000312069_2195146_1]** 
- Barclays achieved its circa **£500 million gross efficiency savings target for 2025** one quarter earlier than planned and remains on track for a circa **61% cost-income target for 2025**.  **[0000312069_2195146_1]**

Barclays Reports Strong Q3 2025 Results, Upgrades ROTE and NII Guidance, and Announces Share Buyback

- Barclays PLC continued its share buy-back program in September 2025, purchasing shares for cancellation.  **[312069_0001654954-25-011361_barclaysplc-sep.htm:0]** 
- On **September 29, 2025**, the company purchased **4,177,844 ordinary shares** at a volume-weighted average price of **382.9727p**.  **[312069_0001654954-25-011361_barclaysplc-sep.htm:52]** 
- Following this cancellation, Barclays PLC's issued share capital consists of **13,992,303,729 ordinary shares** with voting rights.  **[312069_0001654954-25-011361_barclaysplc-sep.htm:52]** 
- Since the commencement of the share buy-back program on **July 30, 2025**, the company has purchased an aggregate of **133,831,576 ordinary shares** at a volume-weighted average price of **371.4807p**.  **[312069_0001654954-25-011361_barclaysplc-sep.htm:52]**

Barclays PLC Continues Share Buy-back Program in September 2025

- Barclays is confident in achieving its **£30 billion** incremental Risk-Weighted Assets (RWA) target for its UK businesses by 2026, having already deployed **£17 billion**, including **£8 billion** from Tesco.  **[312069_2146020_0]**  The company is experiencing strong organic growth in retail mortgages, credit cards, SME, and corporate lending.  **[312069_2146020_0]** 
- The Investment Bank (IB) has shown strong performance with **six consecutive quarters** of beating consensus in markets and an income CAGR of approximately **9%**.  **[312069_2146020_3]**  The bank has maintained flat RWAs in the IB for **three and a half years** while improving capital efficiency.  **[312069_2146020_4]** 
- The US Consumer Bank (USCB) is making progress, with returns on tangible equity (ROT) recovering to around **10%** from a low of **4%**, and aims for a cost-to-income ratio of **45%** from the current **48%**.  **[312069_2146020_5]**  Credit quality in the US is stable, with 30-day delinquencies falling to **2.8%** in Q2 and 90-day delinquencies stable at **1.6%**.  **[312069_2146020_5]** 
- Barclays is on track to deliver **£2 billion** in cost efficiencies across 2024-2026, having delivered **£1 billion** last year and **£350 million** of the **£500 million** target for this year by mid-year.  **[312069_2146020_6]**  The company expects costs to be at least stable, if not modestly down, in **2026 versus 2025**.  **[312069_2146020_6]** 
- The Private Bank and Wealth Management division is performing strongly, with **20% to 30%** returns on tangible equity in recent quarters, **11%** growth in client assets and liabilities, and **£2 billion** in net new money in the first half of the year.  **[312069_2146020_9]**

Barclays Updates on UK Growth, IB Performance, and Cost Efficiency

- Barclays PLC is conducting a share buy-back programme, which commenced on **30 July 2025**.  **[312069_0001654954-25-010245_barclaysplc-aug.htm:2]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:4]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:5]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:6]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:8]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:10]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:11]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:14]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:16]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:17]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:18]** **[312069_0001654954-25-010245_barclaysplc-aug.htm:20]** 
- As of **29 August 2025**, the company has purchased a cumulative total of **70,600,284** ordinary shares on the London Stock Exchange.  **[312069_0001654954-25-010245_barclaysplc-aug.htm:20]** 
- The aggregate volume weighted average price for these purchases is **369.0917p** per ordinary share.  **[312069_0001654954-25-010245_barclaysplc-aug.htm:20]** 
- All purchased shares are intended for **cancellation**, resulting in an issued share capital of **14,057,742,865** ordinary shares with voting rights following these cancellations.  **[312069_0001654954-25-010245_barclaysplc-aug.htm:20]**

Barclays PLC Continues Share Buy-back Program

BARCLAYS (BCS)