Resu

Barcults A

3

clays Annou

30 June 201

PLC uncem16

ment

Barclays PLC

Table of C

Results An

Performance

Group Chief E

Group Financ

Results by Bu

Barclays U

Barclays C

Head Offi

Barclays N

Africa Ban

Quarterly Res

Quarterly Cor

Quarterly Afr

Performance

Margins a

Risk Manage

Overview

Funding R

Funding R

Credit Ris

Market Ri

Statement of

Independent

Condensed C

Financial Stat

Shareholder I

C – 2016 Interim

Contents

nnouncem

Highlights

Executive Offic

ce Director’s R

usiness

UK

Corporate & In

ce

Non-Core

nking - Discon

sults Summary

re Results by B

ica Banking - D

e Management

and balances

ement

Risk - Liquidity

Risk - Capital

sk

isk

f Directors’ Res

Auditors’ Revi

Consolidated Fi

tement Notes

Information

BARCLAYS PLC,

m Results

ment

cer’s Review

eview

nternational

ntinued Operat

y

Business

Discontinued O

t

y

sponsibilities

iew Report to

inancial Statem

1 CHURCHILL PLACE

tion

Operation Res

Barclays PLC

ments

E, LONDON, E14 5HP

ults

, UNITED KINGDOM.

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

Page

2-4

5

6-9

10-12

13-16

17

18-19

20

21-23

24-27

28

29

30

31-35

36-40

41-49

50-52

53

54

55-60

61-97

98

e

4

5

9

2

6

7

9

0

3

7

8

9

0

5

0

9

2

3

4

0

7

8

Barclays PLC

Notes

The term Barclathe six months relating to 31 Dabbreviations ‘$millions and tho

Comparatives hannouncement

Notable items asegments. Notaincome; gains omethodology ingoodwill and otprovisions for oPortuguese and

References to u

There are a numadjustment and

Relevant terms Standards (IFRS

The informationthe meaning ofinformation reqCommission (Sstatements undCompanies Act

These results wForm 6-K will al

Barclays is a freConsistent withthese results an

Forward-lThis document amended, and Slooking statemematerially from relate only to hi‘target’, ‘projectstatements inclcharges, provisiratios and experevised commitbusinesses withand objectives fstatements invodevelopment ofand application levels of conducthe impact of corules (including macroeconomicand foreign excmarkets; changeexiting the EuroUK and globally success of futurAs a result, theexpectations anfinancial conditifiscal year ended

Subject to our ongoing informinformation, fut

C – 2016 Interim

ays or Group refe ended 30 June 2

December 2015. T$m’ and ‘$bn’ reousands of million

have been restate on 14 April 2016

are considered toable items includeon US Lehman acn total income; gher assets relatinngoing investiga

d Italian businesse

nderlying perform

mber of key judg modifications. R

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 asso be available fr

equent issuer in h its usual practic

d other matters r

looking sta contains certainSection 27A of tent is a guarante those contained istorical or currented’, ‘expect’, ‘esude, among othons, notable itemcted payment st

tments and targhin Barclays Non-for future operatiolve risk and uncef standards and in of accounting act provisions, futuompetition. In ad with regard to tc and business cohange rates; effees in credit rating

ozone; the implica from the withdrare acquisitions, de Group’s actualnd guidance set fion and performad 31 December 2

obligations undemation, we undeture events or oth

m Results

ers to Barclays PL2016 to the corrThe abbreviationpresent millions ns of Euros respe

ed to reflect the6, accessible at ho

o be significant ite: the impact of cquisition assets

gain on valuationng to businesses tions and litigatio

es in other net inc

mance exclude th

gement areas, forReported numbers

n this documentn the results glos

ement, which waf the Companies

oint Annual Repocontained an unf the Companies

s a Form 6-K to trom the Barclays

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

ms, business strattrategies), projectets in connectioCore, sell down oons, projected em

ertainty because tnterpretations unnd regulatory staure levels of nota

ddition, factors inhe future structuonditions; the eff

ects of changes ings of any entitiesations of the resuawal of the Uniteisposals and othe future results, d

forth in the Grouance are identifie

2015), which are

er the applicable rtake no obligat

herwise.

LC together with responding six mns ‘£m’ and ‘£bn

and thousands ectively.

e implementationome.barclays/res

tems impacting own credit in to in total income;

n of a componenbeing disposed inon including Forecome/(expenses)

he impact of nota

r example impairs reflect best esti

t but are not desary that can be a

as approved by ths Act 2006. Statort on Form 20

nqualified audit r Act 2006) have b

he SEC as soon aInvestor Relation

l markets and reects that from timoup.

g statements wi Act of 1933, as

ormance and thaooking statement

d-looking stateme ‘plan’, ‘goal’, ‘beor guidance reg

tegy, capital, leveted levels of grow

on with the stratof the Group’s intmployee numberthey relate to fut

nder Internationaandards, the outc

able items, the pocluding (but not

ure of the Group)fects of continuen valuation of cres within the Grouults of the 23 Juneed Kingdom fromer strategic transdividend paymenp’s forward-look

ed in our filings wavailable on the S

laws and regulation to update p

1

its subsidiaries. months of 2015 a

’ represent millioof millions of US

n of the Group bsults.

comparability oftal income; the g revision of the E

nt of the definedn operating expeeign Exchange in).

able items.

rment calculationmates and judge

efined under appaccessed at hom

he Board of Directutory accounts -F of Barclays P

report under Secbeen delivered to

as practicable follons website home.

egularly meets wme to time over t

thin the meanin amended, with

at actual results ots. These forwardents sometimes uelieve’, ‘achieve’ arding the Grou

erage and other rewth in the bankitegic cost progrterest in Barclayss and other stateure events and cl Financial Reportcome of current

olicies and actions limited to) the fo applicable to pad volatility in creedit market expoup or any securitie 2016 referendu the European Un

sactions. A numbnts, and capital

king statements. Awith the SEC (incSEC’s website at w

ations of the Unipublicly or revise

Unless otherwiseand balance sheeons and thousandS Dollars respect

business reorgan

f performance angain on disposal Education, Social

d retirement benenses, provisions

n litigation and co

ns, which are basements at the give

plicable regulatoe.barclays/result

ctors on 28 July 2for the year end

PLC and Barclaysction 495 of the o the Registrar of

owing their publibarclays/results

with investors via the coming quar

g of Section 21Erespect to the G

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

up’s future financegulatory ratios, ng and financial amme and the

s Africa Group Limements that are nircumstances. Thting Standards, eand future legal s of governmentaollowing may havast, current and fuedit markets; marsures; changes ines issued by suc

um in the United Knion; the implember of these influe

and leverage ratAdditional risks a

cluding, without lwww.sec.gov.

ited Kingdom ane any forward lo

e stated, the incoet analysis as at ds of millions of tively; the abbrev

isation. These re

nd have been caof Barclays’ shar

l Housing, and Loefit liability in opfor UK customer

onduct; and losse

sed on models aen point in time.

ry guidance or ts.

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

ication. Once furnand from the SEC

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 meanicial position, incopayment of divid markets, projectGroup Strategy mited, estimates not historical facthese may be affecevolving practices

proceedings andal and regulatory ve an effect: capiuture periods; UKrket related risks n valuation of issh entities; the poKingdom and theentation of the stences and factorstios may differ mand factors whiclimitation, our an

d the United Staooking statemen

ome statement an30 June 2016 wPounds Sterling

viations ‘€m’ and

estatements were

lled out for eachre of Visa Europeocal Authority (E

perating expenses redress in litigates on sale relating

and which are su

International Fin

omprise statutoryer 2015, which the US Securitie 2006 (which di

ccordance with Se

nished with the SC’s website at ww

ows and other awith investors glo

urities Exchange autions readers t

erformance measntified by the facteek’, ‘continue’, ‘ng. Examples of ome growth, ass

dends (including dted costs or saviUpdate, rundow

of capital expendt. By their nature,cted by changes s with regard to td regulatory inves authorities, geoptal, leverage and

K, US, Africa, Euro such as changessued securities; vootential for one oe disruption that trategic cost progs are beyond thematerially from th may impact th

nnual report on fo

ates in relation tonts, whether as

nalysis comparesith comparatives respectively; thed ‘€bn’ represent

e detailed in our

h of the businesse Limited in totalESHLA) valuations; impairment ofion and conduct;g to the Spanish,

bject to ongoing

ancial Reporting

y accounts withinincluded certain

es and Exchanged not make anyection 441 of the

SEC, copies of theww.sec.gov.

ad hoc meetings.obally to discuss

Act of 1934, asthat no forward-

sures could differ that they do notaim’, ‘anticipate’, forward-lookingsets, impairmentdividend pay-outngs, original and

wn of assets andditures and plans forward-lookingin legislation, the

the interpretationstigations, futurepolitical risks and other regulatoryozone and globals in interest ratesolatility in capitalr more countriesmay result in thegramme; and the Group’s control.the plans, goals,

he Group’s futureform 20-F for the

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Group p£3,967mnotable manage

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Barclaysdecreaseincrease

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profit before m (H115: £3

items and ament busine

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ghts

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xecution of f the derivato £8bn (Dec7bn in H116

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nal deliveredstrong growment Bank (C

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cember 2015er cash and R against GB

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ng, wealth, a

ith AnaCap anagement bn, Social Hoeatures. The

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BP

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issued share

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ch retail, and5: £3,217m)

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f £615m on telating to UKquity base o

ng the conti the assets oe

21.9%). Undein Barclayca

%

f 10.7% (H1s and Paymehallenging m

ith good proiod end allohted assets (s

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the disposalK customer reof £40bn (H1

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market condit

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exposure inollowing incr

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rclays now h

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he potential

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ce Shares

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d investment

ble profit in£582m)

of Barclays’edress. Core

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ution of ourh retail, and

it before taxer UK and an

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usiness salesble equity inreasing by a

tal increaseds continue topreciation of

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fit generated

holds 50.1%

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Barclays PLC

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1 Refer to pag2 The profit af

net amount and return o

3 Loan: depos

nce Highlig

C – 2016 Interim

oup results year ended

net of insurance ment charges and

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ax

x in respect of co in respect of disg interests in resg interests in resolders2

rofit

ce measures

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ty tier 1 capital assets

er 1 capital sure

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ge 20 for further inffter tax attributabl of £150m (H115:

on average tangiblesit ratio for Barclay

ghts

m Results

claims

d other provision

ontinuing operascontinued operspect of continuspect of discont

areholders' equits' equity (£bn)

tal managemhare

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atio

formation on the Ale to other equity h £127m), along we shareholders’ eq

ys UK, Consumer, C

ns

ations

ration1

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tinued operation

ty2

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6.16 289p

1.6%

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66bn

4.2%

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55bn

49bn

24%

06%

85%

redit recorded in rerofit after tax in or

30.06.15 £m

12,111 (779)

11,332 (6,624) (1,966) (8,590)

(140) 2,602 (852)

1,750 358

(173) (165) (159)

1,611

6.9% 48

71% 35

9.9p 2.0p

As at 31.12.15

275p 11.4%

£40.7bn £358bn

4.5% £46.2bn

£1,028bn

£145bn 133% 106%

86%

eserves of £58m (Hrder to calculate e

YoY% Change

(9)(20)(11)

(8)73 10

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(31)(31)

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Y e ) ) ) )

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Barclays PLC

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1 Attributablleverage ex

Income by bBarclays UK

Barclays CorpoHead Office

Barclays Core

Barclays Non-CBarclays Group Profit/(lossBarclays UK

Barclays CorpoHead Office

Barclays Core

Barclays Non-CBarclays Group

nce Highlig

C – 2016 Interim

ore and Non- year ended

net of insurance ment charges and

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/(loss) per share

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ehman acquisitioongoing investiggn Exchange

tion of a compoefit liability

UK customer red relating to the S

able items, the C5.0p). Excluding

le profit in respect xposure are report

business

orate & Internatio

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p

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p

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m Results

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equity (£bn)1

e contribution

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on assets gations and litiga

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ore return on avg notable items,

of the Africa Bankted in Head Office

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0.06.16 30.0£m

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(432) (16,747) (7

(9)

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(178)

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0.06.16 31.£320bn £3,021bn £8

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615

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304bn 879bn

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% (H115: 13.7%are was 8.8p (H

ted at the Group le

nded

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evel only. Allocated

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£

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06.16 30.06.£m £

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641) 40857) (94(93) (13

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490) (58

8 18 1

n/m n/15 1

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As at As 06.16 31.12.47bn £5434bn £149

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at 15 bn bn

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per share was

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Group Ch

Barclays PLC

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ief Executi

C – 2016 Interim

been a quart

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ins firmly unfor 2016 on on costs for expected 20

e pleased to

ies remain: srogressing t

date it; eliminning our cap

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ey, Group Chie

ive Officer

m Results

ter of very e

Barclays UK ROTEs in thanchises at

the key to unemain comm

d the sell docantly over-sence in our

nder controla constant cNon-Core in

016 level.

o have been

strengtheninthe sell downating costs

pital position

icture in theain confideny, in light of t

ersification lays is well pmuch open conomy, thro

ef Executive O

r’s Review

encouraging

K and Barclayhe half, whic the centre o

nlocking themitted to clo

own of our ssubscribed p ability to de

l and we arecurrency ban 2017 to be

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ng our Corewn of our stas in both Con.

second quat that it is ththe vote by

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g progress ag

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e full earninosing the un

stake in Barcplacing. Giveeconsolidate

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engthen cap

e businessesake in Barclare and Non-

arter is one he right planthe UK last m

ness model, to weather as, and fully ceriod of unc

gainst our s

te & Internatte to a collece of this Gro

gs power ofnit in 2017.

clays Africa,en the strone Africa.

o meet our td this we are

of between

pital in the q

s; closing Baays Africa to-Core; dealin

of strong ann for Barclaymonth to ex

coupled witany potentiacommitted tcertainty.”

strategy.

tional, contictive 12.5%

oup.

f that Core –

, disposing ong level of in

target of £12e today provn £400-£500

quarter to a

arclays Non-o a point whng with lega

nd acceleratys, and see nxit the EU.

th a longstaal economicto supportin

inue to thriv%, demonstra

– has good

of 12.2% in nterest in the

2.8bn in Corviding additio0 million, sig

CET1 ratio o

-Core as fashere we can acy issues; a

ting progresno reason to

anding consc consequenng our custo

ve. Both ating the

a e asset we

re onal gnificantly

of 11.6%.

t as and steadily

ss against o adjust it,

ervative nces of that omers and

y

Group Fin

Barclays PLC

Group perfor(H115: £745rundown conimpairment ofor sale. Exclu The Core bus£40bn (H116& Internationbusiness groincluded a £6Inc. and an in Total Core ostrategic costagainst GBP a

Group perfo Profit bef

£745m) a

Return on9.9p)

Total inco£586m (H

Credit impexposuresimpairmedelinquen

Total opestrategic and cont£1,032m)

The effect

Profit afteBanking d

Notable itfor UK cuEurope Li

Group incGBP, posi

All performan Core perfor Underlyin

to £3,569

Underlyinpartially oBarclays Interchan

Credit impexposuresdue to ref

Underlyinagainst Gcost prog

nance Direc

C – 2016 Interim

rmance in them) driven by

ntinued. Non-Cof £372m in reuding this impa

siness perform6: £36bn). Thisnal. CIB results owth in Consu615m (H115: ncrease in prov

perating expet programmesand increased

ormance fore tax decreaand a 19% incr

n average tang

ome net of inH115: income

pairment chars, largely in re

ent due to refinncy rates rema

erating expensecost programinued investm) increase in pr

tive tax rate on

er tax in respediscontinued o

tems were a nustomer redresmited and an o

come statemetively benefitin

nce commenta

rmance ng Core perform9m and a £4bn

ng total incomeoffset by the UK underlying

nge Fee Regula

pairment chars, largely in refinement of im

ng total operatBP and increarammes

ctor’s Revi

m Results

e half was impnet negative

Core results inespect of the aairment and n

med well, with s was driven b were resilient

umer, Cards a£nil) gain follo

visions for UK c

enses reduceds and reduced structural refo

ased 21% to rease in Core p

gible sharehold

surance claimof £465m). Co

rges increasedespect of counnement of imp

ained stable

es reduced 10mmes, partially ment in Consu

rovisions for U

n profit before

ect of continuioperation decre

net profit beforss of £400m (own credit gai

ent performanng income and

ary which follo

mance generan increase in av

e was 1% up aimpact of chag total incom

ation

rges increasedespect of coun

mpairment mod

ting expensessed structural

iew

pacted by the income of £5

ncluded fair vassets of the Frotable items, G

a RoTE of 12by steady perfot, despite the cand Paymentsowing the comcustomer redr

10% to £6,7 compensatio

orm programm

£2,063m primprofit before ta

ders’ equity w

ms decreased 9ore income wa

d £152m to £9nterparties in tpairment mod

0% to £7,697m offset by rest

umer, Cards aUK customer re

e tax increased

ng operationseased 13% to

re tax of £398H115: £1,032min of £183m (H

ce was materd adversely aff

ows is on an un

ated a RoTE of verage tangible

at £10,801m, aallenging mark

me was 1% d

d £158m to £8nterparties in tdelling

s increased 3% reform progra

6

results of No586m (H115: palue losses on rench retail, anGroup profit b

.5% (H115: 1ormance in Bachallenging ma drove a sign

mpletion of theress of £400m

747m driven bn costs, partia

me implementa

marily driven bax of £3,967m

as 4.8% (H11

9% to £11,01as in line at £1

931m primarilythe oil and gadelling. The loa

m reflecting redtructuring and

and Payments.edress

d to 34.7% (H1

s decreased 23 £311m driven

8m (H115: lossm), a £615m H115: £410m)

rially impactedfecting impairm

nderlying basis

f 10.8% (H115e equity to £40

as a 19% increket conditionsown at £3,59

876m primarilythe oil and ga

% to £6,347mamme implem

on-Core, whichpositive incom the ESHLA po

nd wealth and efore tax was

1.3%) on an iarclays UK, andarket conditionnificant increae sale of Barcl (H115: £967m

by lower litigaally offset by aation costs.

by the loss bef

5: 6.9%) and b

3m as Non-C1,599m (H115

y driven by theas sector, and an loss rate in

duced litigatiod structural re. Total operat

15: 32.7%)

3% to £1,348mn by the deprec

s of £615m). H(H115: £nil) g)

d by the apprement and oper

s, excluding no

5: 13.7%) refle0bn as capital

ease in Consums in CIB where95m primarily

y driven by theas sector, and

m reflecting thmentation costs

h reported a lme of £465m)ortfolio of £42 investment m £2,037m (H11

ncreased averd solid performns, particularlyse in the proays’ share of V

m).

ation and condappreciation o

fore tax in No

basic earnings

ore income re5: £11,646m)

e impairment oan increase in

ncreased 4bps

n and conduceform programting expenses

m. Profit after ciation of aver

H116 notable gain on dispos

eciation of averating expense

otable items.

cting an 8% re was redeploye

mer, Cards ande total income

y reflecting th

e impairment oan increase in

e appreciations, partially offs

loss before ta), as the mom24m (H115: £1

management bu15: £3,217m).

rage tangible emance in Barcly in Credit, wh

ofit before taxVisa Europe L

duct charges, f the average

on-Core of £1

s per share wa

educed to a n

of a number on Barclaycard to 39bps whi

t charges, andmme impleme included a £

tax in relationrage ZAR again

items comprisal of Barclays’

erage USD andes

eduction in pred from Non-C

d Payments to e reduced 5%

he impact of

of a number on Barclaycard

n of average set by savings f

x of £1,904mmentum in the175m) and anusinesses held

equity base ofays Corporate

hile substantialx. Core resultsimited to Visa

savings fromUSD and EUR

,904m (H115:

as 6.9p (H115:

et expense of

of single nameConsumer UKilst underlying

d savings fromentation costs,£400m (H115:

n to the Africanst GBP

sed provisions’ share of Visa

d EUR against

ofit before taxCore

£1,881m was% to £5,207m.

the European

of single nameConsumer UK

USD and EURfrom strategic

m e n d

f e l s a

m R

:

:

f

e K g

m , :

a

s a

t

x

s .

n

e K

R c

Group Fin

Barclays PLC

Barclays UK

Underlyin

Underlyinimpact ofa 1% redu

Credit imBarclayca

Underlyinoffset by s

Barclays Corp

Underlyin

Underlyinappreciatin additio

Underlyinand EUR Barclaycawhich Eqby a 35%

Head Office

Underlyinone-off ga

Non-Core p The Non-

exclusive investmen

During Qrestructurderecognamortisedforward

Non-Corereflecting RWAs, incmanagem

Underlyinexpense odue to ththe sale Derivativecosts

Underlyina numbera £180m

nance Direc

C – 2016 Interim

ng RoTE was 1

ng profit beforf the Europeanuction in total

mpairment chaard Consumer

ng total operatstructural refo

porate & Inter

ng RoTE was 10

ng profit beforion of averagen to a 33% inc

ng total incomagainst GBP,

ard US, Germauities and Mac increase in Cr

ng loss before tains from the

performance Core rundown discussions wnt managemen

Q216, the termring, a one-offition of £8bn

d cost basis. A

e RWAs reduce a £3bn reduccluding a £1.8

ment and part o

ng loss before tof £586m inclue restructuringof the Barcla

es income redu

ng operating exr of countries, increase in res

ctor’s Revi

m Results

9.4% (H115: 2

e tax decreasen Interchange F operating exp

arges increaseUK, whilst the

ting expenses orm programm

rnational

0.7% (H115: 1

re tax decrease USD and EUcrease in credit

e was broadlywith Consumny and Merchcro were 22%redit. Banking

tax was £49mbuyback of su

n remains on twith AnaCap nt businesses.

ms of the ESHf loss of £182of existing Lev

As a result, Ba

ed to £46.7bn ction in Deriva8bn reduction of the Corpora

tax increased tuding fair valug of the ESHLys Wealth Amuced £135m t

xpenses reducthe completio

structuring cha

iew

21.9%)

ed 4% to £1,3Fee Regulation

penses

ed 10% to £3 30 day and 90

reduced 1% me implementa

12.4%)

sed 10% to £R against GBPt impairment c

y in line at £7mer, Cards andhant Acquiring

% and 4% loweincome decrea

m (H115: loss obordinated de

track. As part o Financial Par Other net exp

HLA portfoliom was recognvel 3 fair valuerclays will ben

(December 20tives, a £3bn r following the ate Banking bu

to £1,904m (He losses of £4A portfolio LO

mericas, UK So an expense

ced 6% reflection of the sale oarges

7

329m driven bn, and a 10% i

366m primarily0 day arrears r

reflecting saviation costs

2,289m drivenP, and increasecharges largely

,088m (H115:d Payments ing. CIB income er respectively,ased 5%

of £58m) refleebt in Q116

of this, on 27 Artners for thepenses include

loans with Lnised in Non-Ced loan assets nefit from red

015: £54.3bn)reduction in S completion o

usiness in Portu

H115: £659m)24m (H115: £

OBO loan termSecured Lendiof £198m refle

ing cost savingof several busin

by a 1% decrencrease in cre

y due to the rates remained

ings realised f

n by a 4% inced structural ry in respect of

: £7,060m), income increasdecreased 5%, relative to a s

ecting the net

April 2016, Bae potential saed a £372m im

LOBO featuresCore income in with the new uced fair valu

, despite the aecurities and l

of the sale of tugal

driven by a £175m) on the

ms as well as long, and Portuecting the acti

gs from ceasinnesses and the

ease in total indit impairmen

refinement od stable year-o

from strategic

crease in opeeform program

f counterpartie

ncluding the aing 19%, driv

% as Markets istrong H115 p

result from tre

arclays announale of its Fren

mpairment asso

s were restrun Q216. The r restructured a

ue volatility on

appreciation ofloans and a £1the retail bank

1,051m reduc ESHLA portfoower income fuguese retail ive rundown o

ng certain invee rundown of

ncome, primarnt charges, par

of impairmenton-year

cost program

rating expensmme implemees in the oil and

ppreciation ofven by continuincome reduceperformance, p

easury operati

nced that it hanch retail, andociated with th

uctured. As a restructuring rassets now me

n the ESHLA p

f USD and EUR1bn reduction king, wealth an

tion in total inolio, a one-off lfollowing the and insuranc

of the portfolio

estment bankinportfolios, par

rily due to thertially offset by

t modelling in

mmes, partially

es due to theentation costs,d gas sector

f average USDued growth ined 6%, withinpartially offset

ons, including

d entered intod wealth andhese assets

result of theresulted in theeasured on an

portfolio going

R against GBP, in Businessesnd investment

ncome to a netloss of £182mcompletion of

ce businesses.os and funding

ng activities inrtially offset by

e y

n

y

e ,

D n n t

g

o d

e e n g

, s t

t m

f .

g

n y

Group Fin

Barclays PLC

Group cap The levera

to balance

Leverage

‐ Tota£27pooactivasse

‐ Net an iincrmaj

The fully of £1.6bn

‐ The othemaj

‐ The offs

Tangible and net fa

Group fun The Grou

£149bn (equivalenEngland’s

WholesalemanagemThe Grouwhich £4£6.1bn oProceeds correspon

nance Direc

C – 2016 Interim

pital, leverage ratio decree sheet movem

exposure incr

al loans and abn increase inl in preparatiovity, lending gets held for sal

derivative leveincrease in deease was mosor forward inte

loaded CRD IVn to £42.4bn, w

increase in Cer qualifying ror currencies a

increase in RWet underlying

net asset valuavourable rese

nding and up continued t

December 20nt to a surpluss Funding for L

e funding outment of the liqup issued £5.7.2bn and £0.6f Barclays Ba raised by Banding ranking

ctor’s Revi

m Results

age and baeased to 4.2%ments

eased 12% to

advances and n cash and balaon for the EU rowth of £14be reflecting th

erage exposurerivative liabilitstly within inteerest rates and

V CET1 ratio inwhilst RWAs in

CET1 capital wreserves whichagainst GBP

WAs was princRWA reductio

ue per share inerve movemen

liquidity o maintain su15: £145bn). s of £29bn (DLending Schem

standing excluuidity position

7bn of senior 6bn in public ank PLC seniorclays PLC ha

iew

alance she% (December 2

£1,155bn, wh

other assets iances at centr referendum,

bn within Barcle appreciation

e remained brties resulting erest rate derivd appreciation

ncreased to 11ncreased by £8

was largely drivh included the

cipally due to tns in Non-Cor

ncreased to 28ts

rpluses to its The Liquidity

December 201me of £12bn in

uding repurchn in the immed

unsecured deand private ser debt and ca

ave been used

8

eet 2015: 4.5%) dr

hile total assets

ncreased £93al banks due ta £26bn increlays Corporate

n of ZAR again

roadly flat as ain regulatory vatives and fo of all major cu

1.6% (Decemb8bn to £366bn

ven by profits e currency tra

the appreciatiore 

89p (Decembe

internal and reCoverage Rat

15: £37bn) drn Q116 as Barc

hase agreemendiate run-up toebt and capitaenior unsecureapital instrumd to invest in

riven by the in

s increased 21

bn to £718bnto an increase ease in settleme & Internationnst GBP

n increase in aderivative net

oreign exchangurrencies agai

ber 2015: 11.4n

generated in anslation reser

on of USD, EU

er 2015: 275p)

egulatory requio (LCR) decre

riven primarilyclays optimised

nts increased o the 23 June al transactionsed debt respec

ments have be Barclays Ban

crease in lever

% to £1,351b

n. The increasein the cash ele

ment balancesnal and an £8b

assets of £117tting increasinge derivatives nst GBP

4%) reflecting

the period anrves as a resu

R and ZAR ag

) driven by pro

uirements in Heased to 124%

y by the early d its funding c

£12bn to £152016 referend

s from the hoctively, and £0een bought bank PLC instrum

rage exposure

n from 31 Dec

e was primariement of the Gs following in

bn increase in A

7bn to £445bnng £109bn to reflecting a de

an increase in

d favourable mlt of the appr

ainst GBP, wh

ofit generated

H116 with a liq% (December repayment oost

54bn, driven bdum in the Unlding compan

0.9bn of suboack or called ments in each

e primarily due

cember 2015

ly driven by aGroup liquiditycreased clientAfrica Banking

n was offset by £402bn. Theecrease in the

n CET1 capital

movements inreciation of all

ich more than

d in the period

quidity pool of2015: 133%),

of the Bank of

y the prudentited Kingdom.

ny in H116, ofrdinated debt.during H116.

h case with a

e

a y t g

y e e

l

n l

n

d

f , f

t . f . .

a

Group Fin

Barclays PLC

Other mat On 5 May

capital at 10bps increpresent

On 10 MaCallable Dproformapayable o

The acqugain on dSale Rese

Additionawere recprogramm

H116 incl

Dividends An interim

Outlook a 2016 Cor

movemen

The existoperatingRWA guid

1 2016 Core c

Tushar Morz

nance Direc

C – 2016 Interim

tters y 2016, Barclay a price of ZAcrease to theting 50.1% of B

ay 2016, BarclDollar Preferen 6bps decreas

of $89m per an

isition of Visa disposal of £61rves in Q415

al UK customeognised in Q

mes uded an own

s m dividend of

and guidanre cost guidants1, remains u

ting Non-Coreg expenses aredance of aroun

cost guidance of £1

zaria, Group Fi

ctor’s Revi

m Results

ys sold 103.6mAR 126 per shae CET1 ratio BAGL’s issued

ays announcence Shares one to the CET1

nnum from 15

Europe Limite15m in incom

er redress provQ216, reflectin

credit gain of

1.0p per share

nce nce of £12.8

unchanged

e income ande expected to nd £20bn in 20

12.8bn assumed a

inance Directo

iew

m ordinary shaare through ain Q216. Barc share capital.

ed it would exen their optiona ratio in Q216, June 2016 onw

ed by Visa Ince in Q216. £3

visions of £400ng an update

£183m (H115

e will be paid o

bn, excluding

d operating ebe within the

017 remains u

n average USD/GB

or

9

ares in the capn accelerated clays now ho BAGL remains

ercise its right al redemption, but will resultwards

. completed o96m of this a

0m (H115: £1ed estimate o

5: £410m)

on 19 Septemb

g litigation an

expenses guid range of £40nchanged

BP exchange rate o

pital of BAGL, bookbuild pla

olds 424.7m os fully consolid

to redeem its n date of 15 Jt in an ongoin

n 21 June 201mount had pr

,032m) relatinof costs, prim

ber 2016

d conduct ch

dance for 20100m to £500m

of 1.42.

representing 1acing. The plaordinary sharedated within th

$1.15bn 7.75une 2016. Thg reduction in

6 resulted in treviously been

ng to Paymentmarily relating

harges, and s

16 remains um excluding no

12.2% of BAGLcing resulted es in the caphe Group at 30

5% Series 4 Nohe redemptionn preference sh

the recognitio recognised in

t Protection Ing to ongoing

ubject to fore

nchanged. 20otable items. T

L issued sharein a proforma

pital of BAGL,0 June 2016

on-Cumulative resulted in a

hare dividends

on of a pre-taxn Available for

nsurance (PPI)g remediation

eign currency

017 Non-CoreThe Non-Core

e a ,

e a s

x r

) n

y

e e

Results by

Barclays PLC

Barclays UIncome statNet interest incNet fee, commTotal income Credit impairmNet operating Operating expeLitigation and cTotal operatingOther net expeProfit before taAttributable pr

Balance sheLoans and advaTotal assets Customer depoRisk weighted a

Key facts Average LTV oAverage LTV oNumber of braBarclays mobile30 day arrears

PerformancReturn on averAverage allocatCost: income raLoan loss rate (Loan: deposit rNet interest ma

Notable itemGain on disposProvisions for UGain on valuati Excluding nota 1 Average LTV

y Business

C – 2016 Interim

UK

tement inforcome ission and other

ment charges andincome enses conduct g expenses

enses ax ofit

eet informatiances to custom

osits assets

f mortgage portf new mortgagenches e banking custo rate - Barclayca

ce measures

rage tangible equted tangible equatio (bps) ratio argin

ms sal of Barclays’ sUK customer redion of a compon

able items, the Ba

V of mortgage port

m Results

rmation

r income

d other provision

ion mers at amortise

tfolio1 e lending1

omers ard Consumer UK

uity

uity (£bn)

hare of Visa Eurdress nent of the defin

arclays UK retur

tfolio and new mo

ns

ed cost

K

rope Limited

ned retirement b

rn on average ta

ortgage lending cal

10

benefit liability

ngible equity wa

lculated on the bal

Half year en30.0

2,

3,(3

3,(1,8

(4(2,2

1,

As at 30.0

162018

6

Half year en30.0

4

152

13

3.

(4

as 19.4% (H115

lance weighted ba

nded Half y6.16

£m

,977

769

746 366)

380 899)

400)

299)

(1)

080 608

6.16 As at£bn

66.0 04.6

81.7

67.1

nded Half y6.16

47%

63%

,331

5.2m

2.3%

3.6%

9.1 61%

43 91%

59%

£m

151

400)

-

5: 21.9%).

asis.

ear ended 30.06.15

£m

2,965 670

3,635 (333)

3,302 (1,619)

(969) (2,588)

(2) 712 490

t 31.12.15 £bn

166.1 202.5 176.8

69.5

ear ended

30.06.15 51% 62%

1,448 4.2m 2.4%

10.6% 9.4

71% 40

97% 3.57%

£m -

(967) 296

YoY

% Change-

15 3

(10)2

(17)59 11 50 52 24

As at 30.06.15£bn

166.1 202.2 171.6

71.7

Y

e - ) )

5 n

Results by

Barclays PLC

Analysis oAnalysis of totPersonal BankiBarclaycard CoWealth, EntrepTotal income Analysis of crePersonal BankiBarclaycard CoWealth, EntrepTotal credit im

Analysis of loaPersonal BankiBarclaycard CoWealth, EntrepTotal loans and Analysis of cusPersonal BankiBarclaycard CoWealth, EntrepTotal custome

y Business

C – 2016 Interim

of Barclaystal income ng

onsumer UK reneurs & Busin

edit impairmentng

onsumer UK reneurs & Busin

mpairment charg

ans and advanceng

onsumer UK reneurs & Busind advances to c

stomer depositsng

onsumer UK reneurs & Businr deposits

m Results

s UK

ness Banking

t charges and ot

ness Banking ges and other p

es to customers

ness Banking customers at am

s

ness Banking

ther provisions

rovisions

s at amortised c

mortised cost

11

cost

Half year en30.0

1,

3,

(

(3

As at 30.0

1311

16

13

418

nded Half y6.16

£m

,987

954

805

746

(86)

274)

(6)

366)

6.16 As at£bn

34.7

16.2 15.1

66.0

34.8

- 46.9

81.7

ear ended 30.06.15

£m 1,832 1,008

795 3,635

(119) (201)

(13) (333)

t 31.12.15 £bn

134.0 16.2 15.9

166.1

131.0

- 45.8

176.8

YoY% Change

8 (5)

1 3

28 (36)

54 (10)

As at 30.06.15£bn

134.4 15.8 15.9

166.1

126.7 -

44.9 171.6

Y e )

) )

5 n

Results by

Barclays PLC

Barclays U

Income stat

Profit befdecreasedreduction

Total incoBusiness

Personpartia

BarclaIntercimplem

Wealtfrom margi

Net ininitiat

Neoff

Net feRegulafee an

Credit imBarclayca

Total opeoperatingrestructurimplemen

Underlyin

Balance she

Loans and

Total asse

Customer

RWAs redRegulatio

y Business

C – 2016 Interim

UK

tement – H1

fore tax incred 4% to £1,32

n in operating e

ome, includingBanking increa

nal Banking illy offset by a

aycard Consumhange Fee Rmented

h, Entrepreneuclients in equns and balanc

nterest incomeives, offset by

et interest maffset by lower l

ee, commissionation, which b

nd commission

mpairment chaard Consumer

erating expensg expenses redring of the brntation costs a

ng cost: income

eet – 30 June

d advances to

ets increased 1

r deposits incr

duced £2.4bn n Authority (P

m Results

16 compared

ased 52% to 9m driven by expenses

g a gain on disased 3% to £3

ncome increalower mortgag

mer UK incomRegulation, wh

urs & Businessity markets an

ce growth

e was broadly a lower mortg

rgin increasedending margin

n and other inbegan to comen income in W

arges increasUK, whilst the

ses reduced 1duced 1% to anch network

and increased a

e ratio was 53

e 2016 comp

customers we

1% to £204.6b

eased 3% to £

to £67.1bn prPRA)

d to H115

£1,080m. Unreduced incom

posal of Barcla3,746m. Under

ased 1% to £ge margin

me decreasedhich began to

s Banking (WEnd a reduction

in line at £2,gage margin

d 2bps to 3.59ns

come decrease into full effecEBB

ed 10% to £ 30 day and 90

1% to £2,299£1,899m refle

k and technoloamortisation f

% (H115: 53%

ared to 31 D

ere stable at £1

bn driven by an

£181.7bn prim

rimarily driven

12

nderlying profme and an inc

ays’ share of Vrlying total inco

1,858m driven

d 5% to £954o come into

BB) decreasedn in assets un

977m (H115:

9% reflecting h

sed 8% to £61ct from Decem

£366m prima0 day arrears r

9m, including ecting savingsogy improvemfrom investme

%) and underly

December 20

166.0bn (Dece

n increase in W

arily driven by

by credit risk

fit before tax,rease in credit

Visa Europe Limome reduced 1

n by improve

4m primarily full effect fr

d 2% to £783mnder managem

£2,965m) du

higher margin

8m due to thember 2015, an

arily due to rrates remained

provisions fos realised from

ments, partiallynt in digital

ying RoTE was

015

ember 2015: £

WEBB

y higher balanc

model change

excluding tht impairment c

mited recognis1% to £3,595m

d deposit ma

driven by throm Decembe

m driven by redment, partially

ue to balance

ns on Persona

e impact of thend is now fully

refinement ofd stable year-o

or UK customem strategic coy offset by str

s 19.4% (H115

£166.1bn)

ces in Persona

es following a

he impact of charges, partia

sed in Personam, within whic

argins and ba

e impact of er 2015, and

duced transactoffset by imp

growth and d

l Banking dep

e European Inty implemented

f impairment on-year

er redress. Unost programmeructural reform

5: 21.9%)

l Banking

pproval from t

notable itemsally offset by a

al Banking andch:

lance growth,

the European is now fully

tional appetiteproved deposit

deposit pricing

osits, partially

terchange Feed, and reduced

modelling in

nderlying totales, relating to

m programme

the Prudential

s a

d

,

n y

e t

g

y

e d

n

l o e

l

Results by

Barclays PLC

Barclays CIncome statNet interest incNet trading incNet fee, commTotal income Credit impairmNet operating Operating expeLitigation and cTotal operatingOther net incomProfit before taAttributable pr

Balance sheLoans and advaTrading portfoDerivative finanDerivative finanReverse repurcFinancial assetTotal assets Customer depoRisk weighted a

PerformancReturn on averAverage allocatCost: income raLoan loss rate (Loan: deposit rNet interest ma

Notable itemGain on disposGains on US LeProvisions for oExchange Gain on valuati Excluding nota 1 As at 30 Jun

balances ofloans and a£5.7bn)). L

2 As at 30 Jun2015: £15.9

3 Excludes In

y Business

C – 2016 Interim

Corporate tement inforcome ome ission and other

ment charges andincome enses conduct g expenses me ax ofit

eet informatiances to banks alio assets ncial instrumentncial instrumentchase agreements designated at

osits2 assets

ce measures

rage tangible equted tangible equatio (bps) ratio argin3

ms sal of Barclays’ sehman acquisitioongoing investig

ion of a compon

able items, the Ba

ne 2016 loans andf £39.9bn (Decemadvances to banksLoans and advancene 2016 customer9bn).

nvestment Banking

m Results

& Internatrmation

r income

d other provision

ion and customers a

t assets t liabilities ts and other simfair value

uity uity (£bn)

hare of Visa Euron assets gations and litiga

nent of the defin

arclays Corpora

d advances includeber 2015: £18.5bn

s (including settlemes to banks and cur deposits included

g related balances.

tional

ns

at amortised cos

milar secured len

rope Limited

ation including F

ned retirement b

te & Internation

ed £204.4bn (Decen) and cash collatement balances of £ustomers in respecd settlement balan

.

13

st1

nding

Foreign

benefit liability

al return on ave

ember 2015: £162eral of £29.8bn (De£6.2bn (December ct of Consumer, Ca

nces of £38.9bn (De

Half year en30.0

2,2,3,7,(5

7,(4,

(4,3

2,1,

As at 30.0

236

1818

16

672220

Half year en30.0

142

4.

erage tangible eq

2.6bn) of loans andecember 2015: £24r 2015: £1.6bn) andards and Paymentsecember 2015: £1

nded Half y6.16

£m

,111

,375

,066

552 509)

043 295)

(14)

309)

19

753 ,746

6.16 As at£bn

30.6

68.1 81.4

87.5

19.7 68.3 79.9

26.5

09.3

nded Half y6.16

4.3%

25.0 57%

44 90%

76%

£m

464

-

-

-

quity was 10.7%

d advances to cust4.8bn)), and £26.2d cash collateral os were £35.4bn (D6.3bn) and cash c

ear ended 30.06.15

£m

2,095 2,372 3,089 7,556 (384)

7,172 (3,963)

(857) (4,820)

28 2,380 1,360

t 31.12.15 £bn

184.1 61.9

111.5 119.0

24.7 46.8

532.2 185.6 194.8

ear ended 30.06.15

11.0% 25.0 64%

36 92%

4.52%

£m -

496

(800)

133

% (H115: 12.4%)

tomers (including s2bn (December 20of £5.3bn (DecembDecember 2015: £3collateral of £18.7b

YoY

% Change1 -

(1)-

(33)(2)(8)98 11

(32)16 28

As at 30.06.15£bn

210.5 75.3

116.0 124.8

57.4 5.6

566.1 197.7 195.4

).

settlement 015: £21.5bn) of ber 2015: 32.1bn). bn (December

Y

e ) ) ) ) )

5 n

Results by

Barclays PLC

Analysis o

Corporate Income statAnalysis of totCredit

Equities Macro Markets Banking fees Corporate lendTransactional bBanking Other Total income Credit impairmTotal operatingProfit before ta

Balance sheRisk weighted a

PerformancReturn on averAverage allocat Excluding nota

ConsumerIncome statTotal income Credit impairmTotal operatingProfit before ta

Balance sheLoans and advaCustomer depoRisk weighted a

Key facts 30 day arrears Total number oValue of payme

PerformancReturn on averAverage allocat

Excluding nota

y Business

C – 2016 Interim

of Barclays

and Investmtement infortal income

ding banking

ment charges andg expenses ax

eet informatiassets

ce measures

rage tangible equted tangible equ

able items, the C

, Cards andtement infor

ment charges andg expenses ax

eet informatiances to banks aosits assets

rates – Barclaycof Barclaycard bents processed

ce measures

rage tangible equted tangible equ

able items, the C

m Results

s Corporate

ment Bank

rmation

d other provision

ion

uity uity (£bn)

IB return on ave

d Payments

rmation

d other provision

ion and customers a

card US usiness clients

uity

uity (£bn)

onsumer, Cards

e & Interna

ns

erage tangible eq

ns

at amortised cos

s and Payments

14

ational

quity was 8.4%

st

return on avera

Half year en30.0

1,2,1,

2,

5,(

(3,41,

As at 30.0

17

Half year en30.0

82

(H115: 11.7%).

Half year en30.0

2,(3(

1,

As at 30.0

343

Half year en30.0

2350,£14

50

ge tangible equi

nded Half y6.16

£m

591

919

,185

695 ,103

608

798

509 3

207 132)

465)

610

6.16 As at£bn

78.4

nded Half y6.16

8.4%

21.5

nded Half y6.16

£m

345 377)

844)

143

6.16 As at£bn

35.4 46.9 30.9

nded Half y6.16

2.2%

,000 41bn

0.9%

3.5

ity was 24.9% (H

ear ended 30.06.15

£m

438 1,177 1,239 2,854 1,128

672 829

2,629 496

5,979 (41)

(4,027) 1,912

t 31.12.15 £bn

167.3

ear ended 30.06.15

9.8% 22.0

ear ended 30.06.15

£m 1,577 (344) (793) 468

t 31.12.15 £bn

32.1 41.8 27.5

ear ended 30.06.15

1.9% 343,000

£135bn

20.4% 3.0

H115: 17.5%).

YoY

% Change

35 (22)

(4)(6)(2)

(10)(4)(5)

(99)(13)

14 (16)

As at 30.06.15£bn

170.0

YoY

% Change49

(10)(6)

As at 30.06.15£bn

29.6 38.4 25.4

Y

e

) ) ) ) ) ) ) ) )

)

5 n

Y

e ) )

5 n

Results by

Barclays PLC

Barclays C

Profit befdecreasedappreciatcosts, and

UnderlyinUSD and decreasin

Underlyin

Corporate a

Income stat

Profit befdecreasedincreasedby restruchave also

Underlyin

– Marke

– Crwh

– Eqontra

– MQ2

– Bankin

– Baad

– CoH1

– Troff

Credit imprimarily

Underlyinrestructurcosts

Balance she

Loans anincreases

Derivativeto decrea

Trading p

Financial repurchasrequireme

y Business

C – 2016 Interim

Corporate

fore tax incread 10% to £2,2ion of averagd a 33% increa

ng total incomEUR against G

ng 5% to £5,20

ng cost: income

nd Investme

tement – H1

fore tax decread 25% to £1,6

d credit impairmcturing and st been impacte

ng total income

ets income dec

redit income inhich benefitted

quities incomen returns as loading environm

acro income d216 performan

ng income dec

anking fee incodvisory and deb

orporate lendin115, in additio

ransactional baffset by income

pairment chain Q116, large

ng total operatring and struc

eet – 30 June

d advances to in settlements

e financial instses in major fo

portfolio assets

assets designse agreementsents

m Results

& Internat

ased 16% to £289m driven be USD and EUase in credit im

e remained brGBP, with Con07m

e ratio was 61

nt Bank (CIB

16 compared

ased 16% to £610m primarilyment charges tructural refored by the appre

e decreased 5%

creased 6% to

ncreased 35%d from increas

e decreased 22wer income in

ment

decreased 4%nce, primarily i

creased 5% to

ome decreasedbt underwritin

ng reduced 10n to some ma

anking income from higher d

rges of £132mely in respect o

ting expenses ctural reform p

e 2016 comp

o banks and cs, cash collate

trument assetsorward interes

s increased £6

nated at fair s that have b

tional

£2,753m. Undeby a 4% increUR against GB

mpairment cha

roadly in line ansumer, Cards

% (H115: 59%

)

d to H115

£1,610m. Undey due to a reduof £132m (H1

rm programmeeciation of ave

% to £5,207m

o £2,695m, wit

% to £591m drsed market vol

2% to £919m n EMEA and A

% to £1,185m in rates and cu

£2,509m, wit

d 2% to £1,103ng fees

0% to £608m rgin reduction

e reduced 4%deposit balanc

m (H115: £41of counterparti

increased 5%programme im

ared to 31 D

customers at ral and new cl

s and liabilitiesst rates and ap

.2bn to £68.1b

value increasbeen designate

15

erlying profit bease in underlBP, structural arges to £509m

at £7,088m (H and Payment

%) and underly

erlying profit buction in incom15: £41m), an

e implementaerage USD aga

:

thin which:

riven by stronatility

following simAsia was partia

due to lower urrency produc

thin which:

3m driven by l

due to the non, partially offse

% to £798m pces and an inc

m) arose fromes in the oil an

% to £3,465m mplementation

December 20

amortised coient activity du

s increased 63preciation of m

bn due to an in

sed £21.4bn ed at fair valu

before tax, whlying total opereform progra

m

H115: £7,060mts income incr

ying RoTE was

before tax, whme driven by cnd increased ution costs. To

ainst GBP

g performanc

mplification of ally offset by in

client activitycts

lower equity u

on-recurrence et by balance g

rimarily due torease in paym

m impairmentnd gas sector

due to the apn costs, partia

015

st increased £uring the perio

3% to £181.2bmajor currenci

ncrease in clien

to £68.2bn pue, increased

hich excludes terating expenamme implem

m), including treasing 19% to

s 10.7% (H115

hich excludes tchallenging m

underlying totaotal income an

e in fixed inco

the business mncreases in the

y in Q116 part

nderwriting fe

of a one-off wgrowth

o margin and ent volumes

t of a number

ppreciation oflly offset by lo

£43.2bn to £1od

bn and 57% toies against GB

nt activity

primarily due matched boo

the impact of ses to £4,309

mentation and

the appreciatio £1,881m an

5: 12.4%)

the impact of arket conditio

al operating exnd total opera

ome credit flo

model with me Americas in

tially offset by

ees, partially of

work-out gain

rate compres

r of single nam

f average USDower litigation

195.2bn prima

o £187.4bn resP

to an increak trading and

notable items9m due to the restructuring

on of averagend CIB income

notable itemsons in Equities,xpenses driventing expenses

w businesses,

minimal impact a challenging

y an improved

ffset by higher

recognised in

ssion, partially

me exposures

D against GBP,n and conduct

arily driven by

spectively, due

ase in reversed firm funding

s e g

e e

s ,

n s

,

t g

d

r

n

y

s

, t

y

e

e g

Results by

Barclays PLC

Total asserepurchasdecrease

Customerclient acti

RWAs incappreciat

Consumer, C

Income stat

Profit befoincreased

Total incoUnderlyinMerchant

Credit impUSD and

Underlyinaverage U

Balance she

Loans andacquisitio

Customerbusinesse

RWAs incacquisitio

y Business

C – 2016 Interim

ets increased se agreementsin other assets

r deposits incrivity during the

creased £11.1ion of USD aga

Cards and Pa

tement – H1

ore tax increasd 65% to £679

ome, includinng total incomt Acquiring, an

pairment charEUR against G

ng total operaUSD and EUR a

eet – 30 June

d advances toon of the JetBlu

r deposits incres

creased £3.4bon of card port

m Results

29% to £625.s, loans and ads

reased £36.0bne period

bn to £178.4bainst GBP

ayments

16 compared

sed £675m to m as loans an

g a gain on me increased nd the apprecia

ges increased GBP

ating expensesagainst GBP

e 2016 comp

o banks and cuue credit card p

reased £5.1bn

bn to £30.9bnfolios

.9bn primarily dvances to ba

n to £179.7bn

bn primarily d

d to H115

£1,143m. Undd advances to

disposal of Ba19% to £1,88ation of averag

10% to £377m

s were broad

ared to 31 D

ustomers grewportfolio

to £46.9bn d

n primarily dr

16

due to an incanks and custo

n primarily driv

due to an incr

derlying profit banks and cu

arclays’ share81m driven byge USD and EU

m primarily dr

ly in line at £

December 20

w 10% to £35

riven by stron

riven by the

crease in derivomers, and tra

ven by increase

rease in the fa

before tax, whustomers increa

e of Visa Euroy continued gUR against GBP

iven by balanc

£844m (H115

015

.4bn driven by

g balance gro

appreciation

vative financiaading portfolio

es in settleme

air value of de

hich excludes ased 20% yea

ope Limited ingrowth in BarP

ce growth and

5: £849m) inc

y growth in Ba

wth in Wealth

of USD and

l instrument ao assets, partia

nts, cash colla

erivative expos

the impact of r-on-year

ncreased 49%claycard US,

the appreciat

cluding the ap

arclaycard US,

h International

EUR against

assets, reverseally offset by a

ateral and new

sures and the

notable items

% to £2,345m.Germany and

ion of average

ppreciation of

, including the

and Offshore

GBP, and the

e a

w

e

s

. d

e

f

e

e

e

Results by

Barclays PLC

Head OffiIncome statTotal income Credit impairmNet operating Operating expeLitigation and cTotal operatingOther net expeProfit before taAttributable pr

Balance sheTotal assets1 Risk weighted a

PerformancAverage allocat

Notable itemOwn credit Losses on sale 1 Includes Afri

Head Offi

Income stat

Profit bef£9m to £4

Underlyinsubordina

Underlyinprofession

Balance she

Total assethe 23 Jun

RWAs inc

y Business

C – 2016 Interim

ce

tement infor

ment charges andincome enses conduct g expenses

enses ax ofit

eet informati

assets1

ce measures

ted tangible equ

ms

relating to the S

ica Banking assets

ce

tement – H1

fore tax reduc49m

ng total incomated debt in Q

ng total operatnal fees

eet – 30 June

ets increased £ne 2016 refere

creased £3.5bn

m Results

rmation

d other provision

ion

uity (£bn)

Spanish business

s held for sale of £5

16 compared

ed 47% to £1

me increased t116

ing expenses i

e 2016 comp

£28.3bn to £87endum in the U

n to £43.2bn p

ns

s

56.0bn (December

d to H115

134m. Underly

to £118m (H1

increased £34

ared to 31 D

7.7bn driven bUnited Kingdom

primarily due to

17

r 2015: £47.9bn) a

ying loss befo

115: £45m) p

m to £139m p

December 20

by an increase m

o the apprecia

Half year en30.0

(

(1

As at 30.0

84

Half year en30.0

and risk weighted a

re tax, exclud

primarily reflec

primarily due t

015

in the liquidity

tion of ZAR ag

nded Half y6.16

£m

301

(1)

300 121)

(18)

139)

(27)

134 90

6.16 As at£bn

87.7 43.2

nded Half y6.16

£bn

5.8

£m

183

-

assets of £36.1bn

ing the impac

cting one-off

o an increase

y buffer held d

gainst GBP

ear ended 30.06.15

£m

455 (1)

454 (98)

(7) (105)

(94) 255 152

t 31.12.15 £bn

59.4 39.7

ear ended 30.06.15

£bn

1.4

£m 410 (97)

(December 2015:

ct of notable i

gains from th

in litigation se

ue to uncertai

YoY

% Change(34)

- (34)(23)

(32)71

(47)(41)

As at 30.06.15£bn

62.2 41.0

£31.7bn).

tems reduced

he buyback of

ettlements and

nty relating to

Y

e ) ) )

) ) )

5 n

d

f

d

o

Results by

Barclays PLC

Barclays NIncome statNet interest incNet trading incNet fee, commTotal income Net claims andTotal income nCredit impairmNet operating Operating expeLitigation and cTotal operatingOther net expeLoss before taxAttributable los

Balance sheLoans and advaDerivative finanDerivative finanReverse repurcFinancial assetTotal assets Customer depoRisk weighted a

PerformancAverage allocatPeriod end alloLoan loss rate (

Notable itemProvisions for ULosses on sale Analysis of incBusinesses Securities and Derivatives Total income n

1 As at 30 Ju

of £0.1bn (advances t

2 As at 30 Ju£12.3bn).

y Business

C – 2016 Interim

Non-Core

tement inforcome ome ission and other

d benefits incurrenet of insurance

ment charges andincome enses conduct g expenses

enses x ss

eet informatiances to banks ancial instrumentncial instrumentchase agreements designated at

osits2 assets

ce measures

ted tangible equocated tangible e(bps)

ms UK customer red relating to the S

come net of insu

loans

net of insurance

une 2016 loans and(December 2015: to banks (includingune 2016 customer

m Results

rmation

r income

ed under insurane claims d other provision

ion and customers at assets t liabilities ts and other simfair value

uity (£bn) equity (£bn)

dress Spanish business

urance claims

e claims

d advances include £0.3bn) and cashg settlement balanr deposits included

nce contracts

ns

at amortised cos

milar secured len

s

ed £52.4bn (Decemh collateral of £28.nces of £0.1bn (Decd settlement balan

18

st1

nding

mber 2015: £40.4b.8bn (December 2cember 2015: £nil)

nces of £0.1bn (De

Half year en30.0

(9

(4((5

(6(

(9(3

(1,9(1,4

As at 30.0

62625

137

14

Half year en30.0

(((5

bn) of loans and a2015: £19.0bn)), al) and cash collaterecember 2015: £0.2

nded Half y6.16

£m

136

953)

370

447)

139)

586)

(55)

641)

857)

(93)

950)

313)

904)

490)

6.16 As at£bn

68.5 62.8

53.4

0.1

15.4 79.1

17.4 46.7

nded Half y6.16

8.5 7.8 15

£m

- -

377

765)

198)

586)

advances to customand £16.1bn (Deceral of £15.0bn (De2bn) and cash col

ear ended 30.06.15

£m

310 (184) 506 632

(167) 465 (61) 404

(945) (132)

(1,077) (72)

(745) (582)

t 31.12.15 £bn

51.8 213.7 202.1

3.1 21.4

325.8 20.9 54.3

ear ended 30.06.15

11.8 10.1

17

£m

(65) (21)

596 (68) (63) 465

mers (including seember 2015: £11.4ecember 2015: £10llateral of £14.5bn

YoY% Change

(56)

(27)

17

10

9 30 12

As at 30.06.15£bn

60.4 223.9 216.7

16.7 22.1

366.2 27.9 68.6

YoY% Change

(37)

ettlement balances4bn) of loans and0.1bn)).

n (December 2015:

Y e

)

)

5 n

Y

e

)

s d

:

Results by

Barclays PLC

Barclays N

Income stat

Loss befoincreasedprogress with the vhigher fai

Total inco

Busineof the

Secur£424mportfo

Derivafundin

Credit imp

Underlyinbanking a£180m in

Other netretail, and

Balance she

Loans andcollateral restructurand invesassets

Derivativeto a ratesthe contin

Customer

Total ass£49.1bn t

Leverage portfolio a

RWAs redand a £1market m

y Business

C – 2016 Interim

Non-Core

tement – H1

ore tax increased to £1,904m

on the rundowvaluation of thr value losses

ome net of insu

esses income e Barclays Wea

ities and loansm (H115: £17olio loan terms

atives income ng costs

pairment char

ng total operatactivities in a

ncrease in restr

t expenses of £d wealth and in

eet – 30 June

d advances to assets and thre of LOBO loastment manag

e financial inst rally across th

nued rundown

r deposits decr

sets increased to £262.8bn. D

exposure decassets

duced £7.6bn bn reduction

movements

m Results

16 compared

ed to £1,904m (H115: £659wn of Securiti

he French retaon the ESHLA

urance claims

reduced 37% alth Americas,

s income decr75m) on the s and the non-

reduced £135

ges improved

ting expenses number of coructuring char

£313m (H115nvestment ma

e 2016 comp

o banks and cuhe reclassificaan terms, partigement busine

trument assetshe three majorn of the derivat

reased £3.5bn

£53.3bn to Derivative finan

creased £15bn

to £46.7bn inin Businesses

d to H115

m (H115: £7459m) driven byies and loans,il, and wealth portfolio

reduced £1,05

to £377m dueUK Secured Le

reased £697mESHLA portforecurrence of

5m to an exp

10% to £55m

improved 6%ountries and thrges

: £72m) includnagement bus

ared to 31 D

ustomers at aation of £8bn ally offset by t

ess to assets h

s and liabilitiesr currencies (Gtive back book

n to £17.4bn du

£379.1bn duencial instrume

n to £134bn d

ncluding a £3b RWAs, despit

19

5m). Underlyiny reduced inc Businesses, a and investme

51m to a net e

e to the impacending and Po

m to a net explio, a one-off a £91m provis

pense of £198

m due to higher

% to £950m rehe completion

ded a £372m isinesses

December 20

mortised cost of ESHLA loathe reclassificaeld for sale, a

s increased 23GBP, USD, EURk

ue to the incre

e to higher dnt liabilities inc

due to reduced

bn reduction inte the appreci

g loss before tcome and incand Derivativeent manageme

expense of £58

ct of lower incrtuguese retai

ense of £765m loss of £182sion release re

m reflecting t

r recoveries in

eflecting cost n of the sale o

impairment as

015

t increased 32ans now reco

ation of assets nd the rundow

3% to £262.8bR) from Decem

ease in collater

erivative financreased £51.3

d potential fut

n Derivatives, ation of USD

tax, excluding creased lossese assets, a £37ent businesses

86m

come followingl and insuranc

m primarily dr2m due to thelating to a litig

the active run

Europe

savings from of several busi

ssociated with

% to £68.5bnognised at am on the annouwn and exit of

bn and 25% tomber 2015 to Ju

ral received

ncial instrumebn to £253.4b

ture exposure

a £3bn reductand EUR agai

the impact of s resulting fro72m impairmes in other net e

g the completice businesses

riven by fair ve restructure gation matter i

down of the p

ceasing certanesses, partia

the valuation

n due to an incmortised cost,

nced sale of thf historical inv

o £253.4bn resune 2016, par

ent assets whbn

e on derivative

tion in Securitinst GBP and

notable itemsom continuedent associatedexpenses, and

ion of the sale

value losses ofof the ESHLAn Q115

portfolios and

ain investmentlly offset by a

of the French

crease in cashfollowing the

he Asia wealthvestment bank

spectively, duetially offset by

hich increased

es and trading

ties and loans,other adverse

s d d d

e

f A

d

t a

h

h e h k

e y

d

g

, e

Africa Ban

Barclays PLC

On 1 March 2be to a level wregulatory apinterest in BArepresents 50 The Africa Bahave been prcontrolling inless estimateresulting imp

Africa BanIncome statNet interest incNet fee, commTotal income Net claims andTotal income nCredit impairmNet operating Total operatingOther net incomProfit before taProfit after tax Attributable pr

Balance sheTotal assets Risk weighted a

Key facts Period end - ZA6 month averagBarclays AfricaBarclays Africa 1 The averag

nking - Dis

C – 2016 Interim

2016, Barclayswhich will per

pprovals if andAGL with the s0.1% of BAGL’

anking busineresented as twnterest in resped costs to sell,

pairment to Bar

nking

tement inforcome ission and other

d benefits incurrenet of insurance

ment charges andincome

g expenses me ax ofit

eet informati

assets

AR/£ ge - ZAR/£1 Group Limited Group Limited

ge rate is derived fr

scontinued

m Results

s announced itrmit deconsolid as required. Osale of 12.2% s issued share

ss meets the wo lines on thect of the disc, to fall below rclays’ stake in

rmation

r income

ed under insurane claims d other provision

ion

share price (ZAnumber of share

rom daily spot rate

d Operation

ts intention to dation from aOn 5 May 201of BAGL’s issu

e capital.

requirements e face of the

continued ope the carrying an BAGL would

nce contracts

ns

R) es (m)

es during the year.

n

20

sell down then accounting 6 Barclays exe

ued share cap

for presentatiGroup incomeration. Were t

amount of the also be recogn

e Group’s interand regulatorecuted the firsital. Following

on as a discoe statement, rthe fair value o net assets of nised through

Half year en30.0

1,

1,(

1,(1,0

As at 30.0

53

Half year en30.0

1922

144

rest in BAGL. Try perspective,st tranche of t completion o

ntinued operaepresenting thof BAGL, baseBAGL includin these lines.

nded Half y6.16

£m

982 802

784 (87)

697 244)

453 020)

2

435 311 156

6.16 As at£bn

56.0 36.1

nded Half y6.16

9.63 2.17 4.08 848

This sell down subject to shhe sell down o

of the sale, Bar

ation. As suchhe profit after d on its quote

ng goodwill on

ear ended 30.06.15

£m

1,011

848

1,859 (81)

1,778 (194)

1,584 (1,075)

3

512 358

193

t 31.12.15

£bn

47.9 31.7

ear ended 30.06.15

19.12

18.16

182.98

848

is intended toareholder andof the Group’srclays’ holding

, these results tax and non-

ed share price,n acquisition, a

YoY

% Change(3)(5)(4)(7)(5)

(26)(8)

5 (33)(15)(13)(19)

As at 30.06.15£bn

52.2 34.4

o d s g

s -,

a

Y

e ) ) ) ) ) ) ) ) ) ) )

5 n

Quarterly

Barclays PLC

Barclays GIncome statTotal income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeProfit/(loss) bTax (charge)/cProfit/(loss) afoperations Profit after tax operation AttributableOrdinary equityOther equity hoNon-controlling

Balance sheTotal assets Risk weighted aLeverage expos

PerformancReturn on averAverage tangibCost: income raLoan loss rate (Basic earnings/

Notable itemOwn credit Gain on disposEurope LimitedGains on US LeRevision of ESHProvisions for UProvisions for olitigation includGain on valuatiretirement benImpairment of to businesses bLosses on sale Portuguese and Excluding notawas 1.8p (Q21

Results Su

C – 2016 Interim

Group tement infornet of insurance

ment charges andincome enses

conduct g expenses enses)/income efore tax

credit fter tax in respe

in respect of dis

e to:

y holders of the olders g interests

eet informati

assets sure

ce measures

rage tangible shable shareholdersatio (bps) /(loss) per share

ms

sal of Barclays’ sd ehman acquisitioHLA valuation mUK customer redongoing investigding Foreign Excion of a componefit liability goodwill and otbeing disposed relating to the Sd Italian busines

able items, the Q5: 6.5p).

ummary

m Results

rmation claims d other provision

ect of continuin

scontinued

parent

ion

areholders' equits' equity (£bn)

e

hare of Visa

on assets methodology dress gations and change nent of the defin

ther assets relati

Spanish, sses

Q216 return on a

Q216

£m

5,972

ns (488)

5,484 (3,425)

- (447)

(3,872)

(342)

1,270 (467)

g 803

145

677

104

167

£bn

1,351.3

366.3

1,155.4

ty 5.8%

48.3 65%

41 4.2p

£m

292

615

- -

(400)

-

ned -

ing -

-

average tangible

21

Q116

£m

5,041 (443)

4,598 (3,747)

- (78)

(3,825) 20

793 (248)

545

166

433 104 174

£bn 1,248.9

363.0 1,082.0

3.8% 48.3 76%

40 2.7p

£m (109)

-

- - -

-

-

-

-

shareholders’ e

Q415 Q

£m

4,448 5,(554) (4

3,894 5,(3,547) (3,5

(426) (1,722) (6(5,695) (4,2

(274) ((2,075)

(164) (

(2,239)

101

(2,422) 107 177

£bn 1,120.0 1,23

358.4 381,027.8 1,14

(20.1%) 347.8 4

128% 53

(14.4p)

£m (175)

-

- -

(1,450) (2

(167) (2

-

(96)

(261) (2

equity was 2.5%

Q315 Q215

£m £m

481 6,461 429) (393) 052 6,068 552) (3,557)

- - 699) (927) 251) (4,484) 182) (39) 619 1,545 133) (324)

486 1,221

167 162

417 1,146 79 79

157 158

£bn £bn 36.5 1,196.7 81.9 376.7 40.7 1,139.3

3.6% 9.8% 47.6 47.2 78% 69%

37 35 2.6p 7.0p

£m £m 195 282

- -

- 496 - -

290) (850)

270) -

- -

- -

201) -

(Q215: 9.1%) a

Q115

£m

5,650 4(386)

5,264 3(3,067) (3

- (1,039) (1(4,106) (5

(101) 1,057 (1(528)

529 (1

196

465 (180

180

£bn 1,416.4 1,3

395.9 41,254.7 1,2

4.0% (148.1 73%

32 2.9p (1

£m 128

-

- -

(182)

(800)

429

-

(118)

and basic earnin

Q414 Q314

£m £m

4,097 5,987 (495) (435)

3,602 5,552 3,696) (3,653)(418) -

1,089) (607)5,203) (4,260)

(82) (336)1,683) 956

134 (507)

1,549) 449

168 171

1,679) 379 80 80

218 161

£bn £bn357.9 1,365.7 401.9 412.9 233.4 1,323.9

3.8%) 3.4%48.3 46.8

127% 71%45 39

10.2p) 2.4p

£m £m(62) 44

- -

- 461 (935) - (200) (10)

(750) (500)

- -

- -

(82) (364)

gs per share

4

m

) ) ) ) ) )

n

%

%

p

m

)

)

)

Quarterly

Barclays PLC

Barclays CIncome statTotal income nCredit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeProfit/(loss) bTax charge Profit/(loss) afNon-controllingOther equity hoAttributable pr Balance sheTotal assets Risk weighted a

PerformancReturn on averAverage tangibCost: income raLoan loss rate (Basic earnings/

Notable itemOwn credit Gain on disposVisa Europe LimGains on US LeProvisions for UProvisions for oand litigation inExchange Gain on valuatithe defined retLosses on sale Portuguese and Excluding notawas 6.6p (Q21

Results Su

C – 2016 Interim

ore tement infornet of insurance

ment charges and

income enses

conduct g expenses enses)/income efore tax

fter tax g interests olders rofit/(loss)

eet informati

assets

ce measures

rage tangible equble equity (£bn) atio (bps) /(loss) per share

ms

sal of Barclays’ smited ehman acquisitioUK customer redongoing investigncluding Foreign

ion of a componirement benefit relating to the Sd Italian busines

able items, the Q5: 7.7p).

ummary

m Results

Q

rmation claims 6d other

5(3

(3

2

1

1

ion

93

uity 1

e

hare of

on assets dress gations n

nent of liability Spanish, sses

Q216 Core return

Q216 Q11

£m £m

6,316 5,283

(462) (414

5,854 4,8693,057) (3,258

- (420) (12,477) (3,270

(18) 92,359 1,608(696) (485,663 1,123(80) (84(89) (89

,494 950

£bn £b972.2 883.6319.6 312.2

5.0% 9.9%40.4 39.355% 62%

45 429.0p 5.8

£m £m292 (109

615

- (400)

-

-

-

n on average tan

22

6 Q41

m £m

3 4,516

4) (522

9 3,9948) (2,992- (338

2) (1,6340) (4,9649 (58 (9755) (923 (1,0674) (819) (920 (1,240

n £b6 794.22 304.

% (12.8%3 38.% 110%2 57p (7.3p

m £m9) (175

-

- - (1,392

- (167

-

- (15

ngible equity wa

5 Q315

m £m

6 5,265

2) (388)

4 4,877 2) (3,094) 8) - 4) (419) 4) (3,513) 5) 13 5) 1,377 2) (299) 7) 1,078 1) (54) 2) (63) 0) 961

bn £bn 2 862.0 1 316.3

%) 10.4% 1 37.5 % 67% 7 39 p) 5.8p

m £m 5) 195

- -

- - 2) (290)

7) (69)

- -

5) -

s 11.0% (Q215:

Q215 Q

£m

6,219 5

(373) (

5,846 5,(3,061) (2,

- (819) (1,

(3,880) (3,14

1,980 1,(474) (

1,506 (64) (61)

1,381

£bn 830.5 9308.1 3

15.5% 735.9 62%

38 8.4p

£m 282

-

496 (800) (

- (

-

-

14.0%) and the

Q115 Q

£m

,428 4,

(345) (4

,083 4,3,618) (3,0

- (3,015) (1,0633) (4,3(83)

,367 (614) (753 (2(68) ((65) 620 (4

£bn 19.4 8518.0 31

7.1% (4.35.6 367% 9

35 3.8p (2

£m 128

-

- (167) (

(800) (7

429

(97)

e Core basic earn

Q414 Q314

£m £m

791 5,368

481) (393)

310 4,975 076) (3,000)316) - 004) (507)396) (3,507)

6 322 (80) 1,790 172) (564)253) 1,226 100) (48)(64) (61)

417) 1,117

£bn £bn55.5 867.9 12.8 318.8

.8%) 14.1%34.0 32.2 92% 65%

52 41 2.5p) 6.9p

£m £m(62) 44

- -

- 461 199) 8

750) (500)

- -

- 315

nings per share

4

m

)

) ) ) ) ) )

n

%

%

p

m

)

Quarterly

Barclays PLC

Barclays NIncome statBusinesses Securities and Derivatives Total income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeLoss before taxTax credit/(chaLoss after tax Non-controllingOther equity hoAttributable lo Balance sheLoans and advaamortised costDerivative finanDerivative finanReverse repurcsecured lendingFinancial assetTotal assets Customer depoRisk weighted a

PerformancAverage allocatPeriod end alloLoan loss rate (Basic loss per s

Notable itemRevision of ESHProvisions for UProvisions for olitigation includImpairment of to businesses bLosses on sale and Italian bus Excluding nota

Results Su

C – 2016 Interim

on-Core tement infor

loans

net of insurancement charges and

(expenses)/incenses

conduct g expenses enses)/income x arge) g interests olders

oss

eet informatiances to banks at ncial instrumentncial instrumentchase agreementg s designated at

osits assets

ce measures

ted tangible equocated tangible e(bps) share contributio

ms

HLA valuation mUK customer redongoing investigding Foreign Exc goodwill and otbeing disposed relating to the Siness

able items the Q2

ummary

m Results

rmation

e claims d other provisioncome

ion

and customers a

t assets t liabilities ts and other sim

fair value

uity (£bn)

equity (£bn)

on

methodology dress gations and change ther assets relati

Spanish, Portugu

216 Non-Core b

Q216

£m

181

(363)

(162)

(344)

ns (26)

(370)

(368)

- (27)

(395)

(324)

(1,089)

229

(860)

(12)

(15)

(887)

£bn

at 68.5

262.8

253.4

milar 0.1

15.4 379.1

17.4 46.7

7.9 7.8 14

(5.2p)

£m

- -

-

ing -

uese -

basic loss per sha

23

Q116

£m

196 (402)

(36) (242)

(29) (271) (489)

- (66)

(555) 11

(815) 237

(578) (10) (15)

(603)

£bn

55.4

249.7 239.1

0.7

23.4 365.4

19.3 50.9

9.0 8.5 21

(3.6p)

£m

- -

-

-

-

are was 5.2p (Q

Q415 Q3

£m

229 3(195) ((102) (

(68) 2(32) (

(100) 1(555) (4

(88) (89) (2

(732) (7(268) (1

(1,100) (7(72) 1

(1,172) (5(19) ((17) (

(1,208) (6

£bn £

51.8 5

213.7 243202.1 235

3.1 8

21.4 22325.8 374

20.9 2554.3 65

9.7 108.5 1025

(7.2p) (3.

£m

- (58)

- (2

(96)

(246) (2

215: 1.7p).

315 Q215

£m £m

314 292 87) - 12) (49)

215 243 41) (20) 74 223 58) (496)

- - 79) (108) 37) (604) 95) (54) 58) (435) 66 150 92) (285) 21) (21) 15) (18) 28) (324)

£bn £bn

7.1 60.4

3.3 223.9 5.0 216.7

8.5 16.7

2.8 22.1 4.5 366.2 5.8 27.9 5.6 68.6

0.2 11.3 0.2 10.1 27 13 7p) (1.9p)

£m £m

- - - (50)

01) -

- -

01) -

Q115

£m

304 (68) (1(14) 222 (41) 181

(449) -

(24) (473)

(18) (310) (1

86 (224) (1

(20) (14)

(258) (1

£bn

73.1

305.6 2299.6 2

43.7

25.0 497.0 5

29.9 77.9

12.4 11.7

17 (1.5p) (

£m

- (15)

-

-

(21)

Q414 Q314

£m £m

361 379 1,021) 275

(35) (35)(695) 619

(13) (42)(708) 577 (618) (654)(102) -

(85) (100)(805) (754)

(90) (657),603) (834)306 57

,297) (777)(33) (25)(17) (17)

,347) (819)

£bn £bn

70.7 72.4

288.9 252.6 280.6 243.2

50.7 75.3

25.5 27.3 502.4 497.8

30.8 32.2 89.1 94.1

14.3 14.7 13.1 14.1

10 27 (8.2p) (5.0p)

£m £m

(935) - (1) (18)

- -

- -

(82) (679)

4

m

) ) ) ) ) ) ) ) ) ) )

n

)

m

)

)

Quarterly

Barclays PLC

Barclays UIncome statTotal income Credit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeProfit/(loss) bAttributable pr

Balance sheLoans and advacost Total assets Customer depoRisk weighted a

PerformancReturn on averAverage allocatCost: income raLoan loss rate (

Notable itemGain on disposLimited Provisions for UGain on valuatiretirement ben Excluding nota

Analysis oAnalysis of totPersonal BankiBarclaycard CoWealth, EntrepTotal income Analysis of creprovisions

Personal BankiBarclaycard CoWealth, EntrepTotal credit improvisions Analysis of loaamortised costPersonal BankiBarclaycard CoWealth, EntrepTotal loans andamortised cost Analysis of cusPersonal BankiBarclaycard CoWealth, EntrepTotal custome

Core Resu

C – 2016 Interim

UK

tement infor

ment charges andincome enses

conduct g expenses enses)/income efore tax ofit/(loss)

eet informatiances to custom

osits assets

ce measures

rage tangible equted tangible equatio (bps)

ms

sal of Barclays’ s

UK customer redion of a componefit liability

able items, the Q

of Barclaystal income

ng onsumer UK reneurs & Busin

edit impairment

ng

onsumer UK reneurs & Busin

mpairment charg

ans and advancet

ng onsumer UK reneurs & Busind advances to ct

stomer depositsng

onsumer UK reneurs & Businr deposits

ults by Bus

m Results

rmation

d other provision

ion

mers at amortise

uity

uity (£bn)

hare of Visa Eur

dress nent of the defin

Q216 Barclays UK

s UK

ness Banking

t charges and ot

ness Banking ges and other

es to customers

ness Banking customers at

s

ness Banking

siness

Q216

£m1,943

ns (220)1,723 (947)

- (399)

(1,346)(1)

376 141

£bn

ed 166.0

204.6 181.7

67.1

6.6%9.0

69%52

£mrope

151

(400)ned

-

K return on aver

£m1,068

463 412

1,943

ther

(44)(169)

(7)

(220)

s at £bn

134.7 16.2 15.1

166.0

134.8 -

46.9 181.7

24

Q116 £m 1,803 (146) 1,657 (952) - (1) (953) - 704 467

£bn

166.2

201.7 179.1 69.7

20.5% 9.3 53% 34

£m

-

-

-

rage tangible equ

£m 919 491 393 1,803

(42) (105) 1

(146)

£bn 134.7 16.0 15.5

166.2

132.9 - 46.2 179.1

Q415 Q

£m1,834 1,8(219) (1

1,615 1,7(920) (9

(77)(1,466)(2,463) (1,0

1 (847) 7

(1,078) 5

£bn

166.1 16

202.5 20176.8 17

69.5 7

(46.5%) 239.2

134% 551

£m

-

(1,391)

-

uity was 18.4%

£m945 505 384

1,834 1,8

(39)(176) (1

(4)

(219) (1

£bn134.0 13

16.2 115.9 1

166.1 16

131.0 12-

45.8 4176.8 17

Q315 Q215

£m £m 874 1,804 154) (166) 720 1,638 925) (970)

- - (76) (801)

001) (1,771) 1 1

720 (132) 541 (174)

£bn £bn

66.7 166.1

04.1 202.2 73.4 171.6 71.0 71.7

3.3% (7.3%) 9.3 9.4

53% 98% 36 40

£m £m

- -

(73) (800)

- -

(Q215: 19.9%).

£m £m 938 905 552 503 384 396 874 1,804

(36) (50) 111) (106)

(7) (10)

154) (166)

£bn £bn 34.5 134.4 15.9 15.8 16.3 15.9

66.7 166.1

28.4 126.7 - -

45.0 44.9 73.4 171.6

Q115

£m 1,831 (167)

1,664 1(649) (1

- (168) (817) (1

(3) 844 664

£bn

166.0

199.6 168.7

72.3

28.3% 9.4

45% 40

£m

-

(167)

296

£m 927 505 399

1,831

(69) (95)

(3)

(167)

£bn 134.3

15.7 16.0

166.0

123.4 -

45.3 168.7

Q414 Q314

£m £m1,882 1,898 (264) (217)

1,618 1,681 1,041) (1,048)

(59) - (211) (32)

1,311) (1,080)(3) (1)

304 600 208 442

£bn £bn

165.3 164.3

198.0 190.9 168.3 165.9

69.3 71.3

9.3% 19.4%9.2 9.2

70% 57%62 51

£m £m

- -

(199) (24)

- -

£m £m955 968 518 530 409 400

1,882 1,898

(57) (57)(185) (139)

(22) (21)

(264) (217)

£bn £bn133.8 133.3

15.8 15.5 15.7 15.5

165.3 164.3

124.5 122.2 - -

43.8 43.7 168.3 165.9

4

m ) ) ) ) )

n

%

%

m

)

m

) ) )

)

n

Quarterly

Barclays PLC

Barclays C

Income statTotal income Credit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit/(loss) bAttributable pr

Balance sheLoans and advaamortised costTrading portfoDerivative finanDerivative finanReverse repurcsecured lendingFinancial assetTotal assets Customer depoRisk weighted a

PerformancReturn on averAverage allocatCost: income raLoan loss rate (

Notable itemGain on disposLimited Gains on US LeProvisions for UProvisions for oincluding ForeiGain on valuatiretirement ben Excluding nota

Core Resu

C – 2016 Interim

Corporate

tement infor

ment charges andincome enses

conduct g expenses me efore tax ofit/(loss)

eet informatiances to banks at lio assets ncial instrumentncial instrumentchase agreementg s designated at

osits assets

ce measures

rage tangible equted tangible equatio (bps)

ms

sal of Barclays’ s

ehman acquisitioUK customer redongoing investiggn Exchange ion of a componefit liability

able items, the Q

ults by Bus

m Results

& Internat

rmation

d other provision

ion

and customers a

t assets t liabilities ts and other sim

fair value

uity

uity (£bn)

hare of Visa Eur

on assets dress gations and litiga

nent of the defin

Q216 Barclays Co

siness

tional

Q2£

4,03ns (24

3,79(2,07

(1(2,08

11,721,17

£at

230

68181187

milar 19

68679226209

19.22452

4

£

rope 46

ation

ned

orporate & Intern

25

16 Q116 £m £m 39 3,513 40) (269) 99 3,244 74) (2,221)

- - 10) (4) 84) (2,225) 11 8 26 1,027 71 575

£bn £bn

0.6 215.9

8.1 64.3 .4 150.1

7.5 155.4

9.7 19.1

8.3 59.6 9.9 618.4 6.5 213.1 9.3 202.2

2% 9.5% 4.8 25.1 2% 63% 41 50

£m £m

64 -

- - - -

- -

- -

national return o

Q415 Q£m

2,968 3(303) (

2,665 2(2,007) (2

(253)(151) (

(2,411) (2,8

262 (24)

£bn

184.1 2

61.9 111.5 1119.0 1

24.7

46.8 532.2 5185.6 2194.8 2

(0.2%)24.9 81%

65

£m

-

- - (

(145)

-

on average tang

Q315 Q215 £m £m

3,223 4,102 (235) (206)

2,988 3,896 ,059) (2,027)

- - (302) (12) ,361) (2,039)

9 13 636 1,870 422 1,376

£bn £bn

220.3 210.5

72.8 75.3 33.7 116.0 42.0 124.8

68.0 57.4

5.6 5.6 596.1 566.1 207.0 197.7 204.0 195.4

7.0% 22.5% 24.7 24.7 73% 50%

42 38

£m £m

- -

- 496 (218) -

(39) -

- -

gible equity was

Q115 £m

3,454 (178)

3,276 2(1,936) (2

- (845)

(2,781) (315

510 (16)

£bn

224.7 92.7

172.8 182.3

57.1 5.2

656.2 206.2 202.6

(0.1%) (125.3 81%

32

£m

- - -

(800)

133

11.9% (Q215: 1

Q414 Q314£m £m

2,945 3,370 (217) (176)

2,728 3,194 2,014) (1,943)(248) - (786) (470)

3,048) (2,413)7 9

(313) 790 (673) 449

£bn £bn

193.6 206.5

87.3 91.5 149.6 128.7 157.3 134.6

62.9 81.5

5.7 10.9 596.5 608.5 188.2 205.0 201.7 205.9

0.4%) 7.4%25.6 24.6

103% 72%44 34

£m £m

- -

- 461 - 32

(750) (500)

- -

13.9%).

4 m

) ) ) )

n

%

%

m

)

Quarterly

Barclays PLC

Analysis o

Corporate Income statAnalysis of totCredit

Equities Macro Markets Banking fees Corporate lendTransactional bBanking Other Total income Credit impairmprovisions Total operatingProfit/(loss) b

Balance sheRisk weighted a

PerformancReturn on averAverage allocat Excluding nota ConsumerIncome statTotal income Credit impairmTotal operatingProfit before ta

Balance sheLoans and advaamortised costCustomer depoRisk weighted a

PerformancReturn on averAverage allocat

Excluding nota

Core Resu

C – 2016 Interim

of Barclays

and Investmtement infortal income

ding banking

ment (charges)/

g expenses efore tax

eet informatiassets

ce measures

rage tangible equted tangible equ

able items the Q2

, Cards andtement infor

ment charges andg expenses ax

eet informatiances to banks at osits assets

ce measures

rage tangible equted tangible equ

able items the Q2

ults by Bus

m Results

s Corporate

ment Bank

rmation

releases and oth

ion

uity

uity (£bn)

216 CIB return o

d Payments

rmation

d other provision

ion

and customers a

uity

uity (£bn)

216 Consumer,

siness

e & Interna

Q216

£m

269406612

1,287622312390

1,324-

2,611her

(37)

(1,665)909

£bn178.4

9.5%21.3

on average tang

£m1,428

ns (203)(419)817

£bn

at 35.4

46.930.9

77.9%3.5

Cards and Paym

26

ational

6 Q116 m £m

322 513 573 1,408 481 296 408 1,185 3 2,596

) (95)

) (1,800) 701

n £bn 172.6

% 7.3% 21.6

ible equity was 9

m £m 8 917 ) (174) ) (425) 326

n £bn

4 32.9

44.2 29.6

% 23.4% 3.4

ments return on

Q415 Q

£m

195 319 4382 4896 1,0458 5312 3415 4

1,185 1,216

2,097 2,3

(83)

(1,962) (1,952 3

£bn167.3 17

(2.5%) 421.8 2

9.5% (Q215: 12

£m871 8

(219) (1(449) (4210 2

£bn

32.1 3

41.8 327.5 2

15.3% 243.2

average tangible

Q315 Q215

£m £m

191 218 416 588 487 582 094 1,388 501 580 377 387 419 416 297 1,383 (17) 495 374 3,266

(75) (42)

940) (1,605) 358 1,620

£bn £bn 77.4 170.0

4.5% 22.3% 21.7 21.7

.6%).

£m £m 849 836 160) (165) 421) (434) 278 250

£bn £bn

30.6 29.6

39.8 38.4 26.6 25.4

4.7% 23.4% 3.1 3.0

e equity was 26

Q115 £m

220 589 657

1,466 548 285 413

1,246 11

2,713 2

1 (2,422) (2

292

£bn 177.1

(2.5%) (122.3

£m 741

(179) (359) 218

£bn

29.8 40.1 25.5

17.5% 3.0

.3% (Q215: 23.4

Q414 Q314

£m £m

117 189 418 370 436 472 971 1,031 529 420 334 334 404 420

1,267 1,174 (4) 460

2,234 2,665

(26) (24)

2,614) (2,036)(408) 606

£bn £bn175.2 180.5

2.8%) 6.1%22.5 21.6

£m £m711 705

(190) (153)(434) (377)

93 185

£bn £bn

29.7 28.4

37.9 37.1 26.6 25.4

6.6% 17.3%3.1 3.0

4%).

4

m

)

)

n

%

m ) )

n

%

Quarterly

Barclays PLC

Head OffiIncome statTotal income Credit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeProfit/(loss) bAttributable (lo

Balance sheTotal assets1 Risk weighted a

PerformancAverage allocat

Notable itemOwn credit Provisions for oincluding ForeiLosses on sale and Italian bus 1 Includes Afric

Core Resu

C – 2016 Interim

ce

tement infor

ment (charges)/r

income/(expenenses

conduct g expenses enses)/income efore tax

oss)/profit

eet informati

assets1

ce measures

ted tangible equ

ms

ongoing investiggn Exchange relating to the Sinesses

ca Banking assets

ults by Bus

m Results

rmation

releases and oth

nses)

ion

uity (£bn)1

gations and litiga

Spanish, Portugu

held for sale and r

siness

Q21

£m334

er (2

332(36

(11(47(28257182

£b87.743.2

6.6

£m

292ation

uese

risk weighted asse

27

6 Q116 m £m 4 (33)

2) 1

2 (32) 6) (85) - -

1) (7) 7) (92) 8) 1 7 (123) 2 (92)

n £bn 7 63.4 2 40.3

6 5.0

m £m 2 (109)

- -

- -

ets.

Q415 Q

£m(285)

-

(285) 1(64) (1

(8)(17)(89) (1(14)

(388)(140)

£bn59.4 639.7 4

3.9

£m

(175)

(23)

(15)

Q315 Q215

£m £m 169 312

1 (1)

170 311 110) (64)

- - (42) (6)

152) (70) 2 1

20 242 (1) 180

£bn £bn 61.8 62.2 41.3 41.0

3.4 1.8

£m £m

195 282

(29) -

- -

Q115 £m

142

- 142 (34)

- (1)

(35) (95) 12

(28)

£bn 63.6 43.1

0.9

£m 128

-

(97)

Q414 Q314

£m £m(36) 100

- -

(36) 100 (21) (10)

(9) - (7) (4)

(37) (14)3 314

(70) 400 47 226

£bn £bn61.0 68.5 41.8 41.6

(0.8) (1.8)

£m £m

(62) 44

- -

- 315

4

m

) ) )

n

)

m

Quarterly

Barclays PLC

Africa BanIncome statTotal income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit before taProfit after tax Attributable pr

Balance sheTotal assets Risk weighted a

Africa Ban

C – 2016 Interim

nking

tement infornet of insurance

ment charges andincome enses

conduct g expenses me ax ofit

eet informati

assets

nking - Dis

m Results

rmation claims d other provision

ion

scontinued

Q216

£m879

ns (133746

(543--

(543)1

204145

70

£bn56.036.1

d Operation

28

6 Q116 m £m 9 818 ) (111)

6 707 ) (477)

- - - - ) (477) 1

4 231 5 166 0 86

n £bn 0 52.7

33.9

n Results

Q415 Q

£m814 8(93)721 7

(501) (5(50)

- (551) (5

3 173 2101

25

£bn47.9 531.7 3

Q315 Q215

£m £m 822 870 (66) (103) 756 767 515) (536)

- - - -

515) (536) 1 1

242 232 168 161

85 88

£bn £bn 50.2 52.2 33.8 34.4

Q115 £m

908 (91) 817

(539) - -

(539) 2

280 196 104

£bn 55.9 37.3

Q414 Q314

£m £m925 895 (79) (74)846 821

(585) (557)(44) -

(1) (1)(630) (558)

2 1 218 264 167 171

85 82

£bn £bn53.7 52.9 36.7 36.2

4

m ) ) ) )

n

Performa

Barclays PLC

Margins a   

Barclays UK Barclays CorpoTotal Barclays Corporate & InOther2

Total net intere 1 Excludes Inv2 Other includ

Total Barc

An incIntern

Net inUS. Bamargi£0.7b

Net interethe Groupto appropfunding a

Quarterly anal  

Barclays UK Barclays Corpo

Total Barclays  

Barclays UK Barclays Corpo

Total Barclays  

Barclays UK Barclays Corpo

Total Barclays  

Barclays UK Barclays Corpo

Total Barclays

1 Excludes Inv

nce Manag

C – 2016 Interim

and balanc

orate & Internatio UK and Barclay

nternational

est income

vestment Banking rdes Investment Ban

clays UK and B

crease in avernational.

nterest marginarclays UK remns. Group NII n).

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

ysis for Barclay

orate & Internatio

UK and Barclay

orate & Internatio

UK and Barclay

orate & Internatio

UK and Barclay

orate & Internatio

UK and Barclay

vestment Banking

gement

m Results

ces  

onal1 ys

related balances. nking related balan

Barclays Corpo

rage customer

increased 10bmained stable w

was flat at £5

business reflece funding in wedit to busines driven by prev

ys UK and Barcla

onal1

ys Corporate & I

onal1

ys Corporate & I

onal1

ys Corporate & I

onal1

ys Corporate & I

related balances.

  

Half yea

Net interest income

£m

2,977

1,974

4,951

267

5,218

nces, Head Office a

orate & Interna

r assets to £2

bps to 3.98% with higher m

5.2bn (2015: £

cts movementwholesale mark

sses with net svailing market

ays Corporate &

International

International

International

International

29

  

ar ended 30.06.Average

customer assets

£m

166,944 83,402

250,346

and Barclays Non-

ational NII incre

50.3bn (2015

primarily driveargins on Pers5.2bn) includi

ts in the Groupkets. The internsurplus liquiditt rates and incl

& International

  

16

Net interest margin

%

3.59 4.76 3.98

-Core.

eased 4% to £

: £248.3bn) d

en by growth sonal Banking ng net structu

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

Net intin

1 1 2

1

2

1

2

1

2

  

Half y

Net interest income 

£m 

2,965   1,811   4,776  

414   5,190  

£4,951m due to

driven by grow

in interest ear deposits, partural hedge con

nding rates whte prices intra-ge those busin

premium

Three months terest come

Average

£m

1,476

1,000

2,476

Three months

1,501

974

2,475

Three months

1,509

965

2,474

Three months

1,499

947

2,446

  

year ended 30.0

Average

customer assets

£m

167,527 80,778

248,305

o:

wth in Barclays

rning lending tially offset by ntributions of £

hich are based -group fundingnesses in need

ended 30.06.16 customer

assets £m

166,691 84,628

251,319

ended 31.03.16

166,727 85,010

251,737

ended 31.12.15

167,405 83,342

250,747   

ended 30.09.15

167,936 81,311

249,247

  

06.15

Net interest margin

%

3.57 4.52 3.88

s Corporate &

in Barclaycard lower lending£0.7bn (2015:

on the cost tog and liquidity

d of alternative

6

Net interest margin

%

3.56 4.75 3.96

6

3.62 4.61 3.95

5

3.58 4.59

3.91

5

3.54 4.62

3.89

&

d g :

o y e

Risk Mana

Barclays PLC

Risk mana

Barclays’ riskcreates clearunderstood aand the operand material grouped intoon these rhome.barclayRisks, risk mfinancial year The UK held resulted in a relationship winterim, therethe other ecoconsidered bBarclays inclu Market R

PoteaffeBarcUK P

Credit Ri

Incrlikeland

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The followingand Market R

agement

C – 2016 Interim

agement a

k managemenr ownership aand managed irating effective enough to m five Principal risks and hoys/annualrepo

management or.

a referendum vote in favouwith the EU is ue is a risk of uonomies in w

by the Board dude:

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sk reased risk of ay negatively im Commercial R

onal Risk anges to currender market accsdictions in wh legal framewo

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and princip

nt responsibilitand accountain accordance eness of contrerit establishin Risks: Credit Row they ar

ort. Aside fromor principal un

m on 23 June 2r of leaving thunclear and thncertainty for

which we operaduring the firs

inued market vf Trading Book

dity purposes. 9 liabilities

a UK recessionmpact a numbReal Estate exp

nt EU “Passporcess rights whhich Barclays cork within whie based on EU the UK’s futureons on hiring f the UK and U

t spread widenr access to fun

s an overview riod.

pal risks

ties are laid oability, with th with agreed rrols. It includeng specific baRisk; Market R

re managed m the risks setncertainties du

2016 on whethhe EU. The rehere is uncerta both the UK aate. The potest half of 201

volatility (notak positions, Int Changes in th

with lower grer of Barclays’

posures

rting” rights: tich would req

continues to opich Barclays op legislation ane approach to from the EU ofK citizens loca

ning and reducnding

of the perform

30

out in the Enthe purpose thisk appetite, aes those risks nk-wide contr

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t out below thuring the peri

her it should rsult of the ref

ainty as to the and the EU, whntial risks ass6 and relevan

ably FX and intterest Rate Riskhe long-term o

rowth, higher u’ portfolios, no

the UK’s withduire Barclays tperate perates could cd regulation EU freedom off critical roles a

ated in the EU

ced investor a

mance in Fund

terprise Risk Mhat the Ground that there i incurred by Brol frameworkRisk; Operatio from the here has beeniod or expecte

remain a memferendum meanature and timhich could adv

sociated with nt actions take

terest rates) gik in the Bankinutlook for UK

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drawal from thto make altern

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f movement wand rights to w

ppetite for ban

ding Risk – Liq

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nt and falling ULoan-to-Value

e EU may resuative licensing

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nk paper, whic

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ual Report ognificant chanmaining six m

uropean Unionong-term natugreement withthe economy the EU have b

propriate. Pote

ncertainty whell as securitiesmight also adv

UK house price mortgages, U

ult in the loss og arrangement

ps to replace la

clays' access tont Barclays non

ch could negat

ng Risk – Capit

ERMF), whichexposures arerisk exposurese, continuous, Risks and are Further detailor online atge to the Key

months of the

n (“EU”). Thisure of the UK's the EU. In theof the UK andbeen carefullyential risks for

ich could s held by versely affect

s. This would UK unsecured

of cross-s in EU

aws currently

o the EU n-UK EU

tively impact

tal, Credit Risk

h e s ,

e l t y e

s s e d y r

k

Funding R

Barclays PLC

Funding &

Whilst Barclaseparately at section excluFor both inter

Liquidity st Compliance

Eligible liquidityNet stress outf

Surplus

Liquidity pool

Liquidity pool

1 Of the threecompares to

2 Includes Bar

Barclays manregulatory meassets signific

The LRA buff

Barclays estimby the BCBS i

Risk - Liqui

C – 2016 Interim

& liquidity

ays has a co Barclays Africde BAGL with rnal and regula

tress testing

e with intern

y buffer

flows

as a percentage

as a percentage

e stress scenarios mo 122% (2015: 144rclays Africa discon

nages the Groetrics, such ascantly in exces

fer duration as

mated its Net Sn October 201

idity

m Results

mprehensive ca Group Limit the exceptionatory stress te

g

al and regula

e of anticipated

e of anticipated

monitored as part4%) under the 90 dntinued operations

oup’s liquidity s Interim CRDIVss of 100% of

of 30 June 20

Stable Funding14.

framework foted (BAGL) du of the liquidit

ests, BAGL is in

atory stress t

net outflows as

net outflows as

t of the LRA, the 3day market-wide ss.

position againV Liquidity Conet stress outf

16 was observ

g Ratio (NSFR)

31

or managing ue to local currty stress testinncluded within

tests

s at 30 June 201

s at 31 Decemb

30 day Barclays spscenario and 126%

nst the Groupoverage Ratio (flows for both

ved at 71 days

) at 106% (201

the Group’s rency and fung table below, the Group

16

ber 2015

pecific scenario re% (2015: 133%) un

p’s internally d(LCR). As at 30 the 30 day Ba

s.

15: 106%) bas

liquidity risksding requirem which is repo

Barclaysday

requir

sults in the lowesnder the 30 day co

defined Liquidi0 June 2016, tharclays-specific

sed on the fina

, liquidity riskments. All discorted on a stan

s' LRA (30 y Barclays

specific rement)1,2

£bn

154.4 139.5

14.9

111%

131%

t ratio at 111% (2ombined scenario.

ity Risk Appethe Group heldc LRA and the

al NSFR guideli

k is managedlosures in this

nd-alone basis.

Interim CRDIVLCR2

£bn

151.0 121.7

29.3

124%

133%

2015: 131%). This

tite (LRA) andd eligible liquid LCR.

ines published

d s .

V

n

%

%

s

d d

d

Funding R

Barclays PLC

Compositio

As at 30.06.16Cash and depo Government bAAA rated

AA+ to AA- ratOther governm

Total governm Other

Supranational bAgencies and aCovered bondsOther

Total other

Total as at 30 J

Total as at 31 D

1 Of which oveBank.

Barclays mansupport paymBarclays Bankpredominantagainst entity Deposit fu

Funding of loa

Barclays UK Barclays CorpoNon-Core1

Total funding International a Investment Ban

Total

1 Excludes Inv

Barclays UK a

The loan to d

Risk - Liqui

C – 2016 Interim

on of the G

6

osits with centra

onds

ed ment bonds

ment bonds

bonds and multagency mortgags (rated AA- and

June 2016

December 2015

er 97% (2015: ove

nages the liquidment or clearink PLC and wasly within Barcl

y-specific stres

nding

ans and advance

orate & Internatio

Barclays UK, Baand Non-Core1

nk, Core and No

vestment Banking r

and Barclays C

deposit ratio fo

idity

m Results

roup liquid

al banks1

tilateral developmge-backed securd above)

5

er 97%) was place

dity pool on a ng requirements available to mays Capital Inc

ssed outflows

es to customers

onal1

arclays Corporat

on-Core

related balances.

orporate & Int

or the Group w

ity pool

ment banks

ities

ed with the Bank o

centralised bats. As at 30 Jun

meet liquidity nc. The portion and regulatory

s

te &

ternational (ex

was 97% (2015

32

Liquip

30.06

1 1

of England, US Fed

asis. The liquidne 2016, 92% needs across t of the liquidityy requirements

Loans anadvances t

customer£b

166 95 20

28

144

425

xcluding Invest

5: 95%).

idity pool 6.16

Liquidity

Ca£bn £

77

36

8

2

46

12

7 3

4

26

149 7

145 4

deral Reserve, Euro

ity pool is held (2015: 94%) ohe Barclays Gry pool outside s.

As at 30.06

nd to rs

Custdep

bn

6

5

0

1

4

5

tment Bank) a

y pool of which LCR-eligibl

ash Level £bn £b

74

- 3 - -

- 4

- - - -

- 1

74 64

45 8

opean Central Bank

d unencumberof the liquidityroup. The resid of Barclays Ba

6.16

omer posits

Loan to

£bn

182 146

2

330

109

439

re largely fund

Interim CRDIV le

1 Level 2Abn £bn

- -

6 -8 -2 -

6 -

9 37 -2 1 - -

8 4

4 4

7 8

k, Bank of Japan a

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

As

o deposit ratio

L

%

85%

97%

ded by custom

Liquidity pool

31.12.15

A

n £bn

48

63 11 1

75

7 8 4 3

22

and Swiss National

used to ated in pool is held d primarily

s at 31.12.15

Loan to deposit ratio

%

86%

95%

er deposits.

l

Funding R

Barclays PLC

Wholesale Funding of Assets Trading portfo

Reverse repurc

Reverse repurc

Derivative finan

Liquidity pool 1

Other unencum

Trading extremelless liqui

The maj(2015: 5reverse r

Derivativqualify foreceived

The Grouand othe

1 The portion 2 Predominan3 Extremely liq

and other les

Risk - Liqui

C – 2016 Interim

funding other assets

lio assets

chase agreement

chase agreement

ncial instrument

mbered assets 2

portfolio assly liquid fixed id assets was 9

ority of revers55%) of matchrepurchase agr

ve assets and lor counterpart and paid

up liquidity poer assets are la

of the liquidity poontly available for saquid fixed income iss liquid collateral

idity

m Results

as at 30 Jun

ts

ts

ts

ets are largelincome assets94 days (2015

se repurchasehed book activreements are u

iabilities are laty netting and

ol is primarily argely matched

ol estimated to be ale investments, trais defined as very l.

ne 2016

ly funded by s3. The weighte: 77 days)

e agreements vity was securused to settle t

argely matched the remaining

funded by whd by term who

funded by wholesading portfolio asshighly rated sover

33

£bn Liabil

39 Repu

60

33 Tradi

445 Deriv

96 Less t

121 Great

repurchase aed average ma

are matched red against extrading portfo

d. A substantiag portions are l

olesale debt wolesale debt an

sale funds. sets, financial assereigns and agencie

lities

rchase agreeme

ng portfolio liab

vative financial in

than 1 year who

ter than 1 year w

agreements waturity of these

by repurchasextremely liquidlio liabilities

al proportion olargely offset o

with the remaind equity

ts designated at faes, typically rated A

ents

bilities

nstruments

olesale debt

wholesale debt a

with 54% (20e repurchase a

e agreementsd fixed income

of balance sheeonce netted ag

nder being fun

air value and loansAA+ or better. It ex

and equity

015: 57%) secagreements se

. As at 30 June assets3. The

et derivative pogainst cash col

nded by custom

s and advances to excludes liquid fixe

£bn

100

33

442

70

150

cured againstecured against

ne 2016, 41% remainder of

ositions llateral

mer deposits

banks. d income, equities

t t

% f

s

Funding R

Barclays PLC

Compositio

In preparatiounsecured fu

Maturity pro

Barclays PLC

Senior unsecurSenior unsecurSubordinated l

Barclays Bank Deposits from Certificates of dAsset backed cSenior unsecurSenior unsecurCovered bondsAsset backed sSubordinated lOther3

Total as at 30 J

Of which secuOf which unse

Total as at 31 D

Of which secuOf which unse 1 The compos

and Subordiof England’s

2 Includes stru3 Primarily com

Outstanding notes are issrequirement,

Term financ

The Group is£4.2bn and £back or callin

Risk - Liqui

C – 2016 Interim

on of whole

on for a Singlending out of B

ofile

red (public bencred (privately plaiabilities

PLC

banks

deposit and comcommercial papered (public bencred (privately plas

securities

iabilities

June 2016

red

ecured

December 2015

red

ecured

sition of wholesaleinated Liabilities, es Funding for Lendiuctured notes of £2mprised of fair valu

wholesale funsued through the liquidity p

cing

ssued £5.7bn o£0.6bn in publig £6.1bn of pu

idity

m Results

esale fundin

e Point of EntBarclays PLC, t

chmark)

aced)

mmercial paper

er

chmark)

aced)2

5

e funds comprises excluding cash colling Scheme. 29bn, £9bn of whiue deposits £5bn a

nding includesa variety of d

pool exceeded

of senior unseic and private ublic operating

ng1

try resolution he holding com

<1 month

1-3months

£bn £bn

- -- -- -

18.2 1.31.0 4.94.0 3.1

- 1.51.1 1.7

- -- -- -

3.2 0.2

27.5 12.7

4.2 3.123.3 9.6

15.8 15.3

4.2 3.911.6 11.4

the balance sheetlateral and settlem

ich matures withinand secured financ

s £36bn (2015distribution chwholesale fun

ecured debt ansenior unsecug company sen

34

model, the Gmpany, replac

3 s

3-6 months

6-mont

n £bn £

- - -

1.5 1 4.6 4 0.1 - 3 3.0 4 - 3 0.3 1 - 0.3 0

9.8 20

0.6 4 9.2 15

8.6 13

1.6 0 7.0 13

t reported Depositment balances. It al

n one year. cing of physical go

5: £35bn) of phannels includnding maturing

nd capital tranured debt respenior debt and c

Group continueing maturing d

-12 ths

<1 year ye

£bn £bn

- - - - - -

1.4 22.4 4.9 15.4

- 7.2 3.8 5.3 4.9 10.7 3.2 3.2 1.5 1.8

- - 0.3 4.0

0.0 70.0 1

4.9 12.8 5.1 57.2 1

3.8 53.5 1

0.3 10.0 3.5 43.5 1

ts from Banks, Finlso does not includ

old £1bn.

privately placeding intermedig in less than o

nsactions fromectively, and £capital instrum

es to issue dedebt in Barclay

1-2 ears

2-3 years y

£bn £bn

0.8 0.1 - 0.1 - -

- - 0.9 0.6

- - 0.1 1.6 6.1 4.4 2.4 - 1.3 0.8 4.3 0.1 0.5 0.4

6.4 8.1

3.9 0.8 2.5 7.3

6.5 12.6

5.1 2.4 1.4 10.2

ancial liabilities atde collateral swaps

d senior unsearies and priv

one year by £7

m the holding c£0.9bn of suboments.

ebt capital anys Bank PLC.

3-4 years

4-5 years

£bn £bn

2.2 2.7 - 0.1 - 1.0

- 0.3 0.9 0.5

- - 2.0 0.7 3.4 2.2 1.8 1.0 1.1 -

- 6.0 0.3 0.3

11.7 14.8

3.0 1.0 8.7 13.8

13.7 8.3

2.8 0.5 10.9 7.8

t Fair Value, Debt s, including particip

cured notes invate banks. Al79bn (2015: £9

company in Hordinated debt

d term senior

>5 years Total

£bn £bn

5.3 11.1 0.5 0.7 1.9 2.9

0.3 23.0 0.4 18.7

- 7.2 1.7 11.4 8.9 35.7 3.7 12.1

- 5.0 9.3 19.7 0.7 6.2

32.7 153.7

3.7 25.2 29.0 128.5

37.3 141.9

4.5 25.3 32.8 116.6

Securities in Issueipation in the Bank

n issue. Theselthough not a91bn).

116, of whicht, while buying

r

l n

e k

e a

h g

Funding R

Barclays PLC

Credit ratinBarclays Bank Long-term

Short-term Standalone rat

  

Barclays PLC Long-term

Short-term

1 Refers to Sta

Following theand Moody’snegative, incl1 and Baa3/Pquarter end, SBBB/A-2 respBarclays have

Rating and Inwith stable ou

Barclays Af

Liquidity

In additioanticipat

BAGL loa

Risk - Liqui

C – 2016 Interim

ng as at 29 PLC  

ing1

andard & Poor’s St

e EU referendu also separateuding for BarcP-3 respectiveS&P on 7 July 2pectively while remained un

nvestment Infoutlooks on 14

frica Group L

y risk is manag

on to the Grouted stressed ou

an to deposit r

idity

m Results

July 2016 

tand-Alone Credit P

um on 23 Juneely revised theiclays. On 28 Juely, but change2016 took sime changing thchanged with

ormation (R&I July 2016.

Limited

ed separately

up liquidity pooutflows. The liq

ratio was 106%

Profile (SACP), Mo

e 2016, all threir view on the une 2016, Mooed the outlook

milar action by ahe long-term Fitch after the

I) affirmed Ba

at BAGL due t

ol, BAGL held £quidity pool co

% (2015: 102%

35

oody’s Baseline Cre

ee credit rating UK banking sody’s affirmedk on the long-taffirming Barcrating outloo

e UK referendu

rclays Bank PL

to local currenc

£7bn (2015: £onsists of Sout

%)

  

Standard &

A- (Ne

  

Standard &

BBB (Ne

edit Assessment (B

g agencies tooector, and cha Barclays Bankterm and depo

clays Bank PLCoks from stablum.

LC and Barcla

cy, funding an

£6bn) of liquidith African gov

  

& Poor's

gative) A2

A-2

bbb+

  

& Poor's

gative) Baa3 A-2

BCA) and Fitch’s V

k rating actionanged a numbk PLC and Barcosit ratings fro

C and Barclays le to negative

ys PLC’s ratin

nd regulatory r

ity pool assetsvernment bond

  

Moody's

(Negative) P-1

baa2   

Moody's

(Negative) P-3

Viability Rating (VR

ns on the UK sber of UK bankclays PLC’s ratom stable to n PLC’s ratings ae. Ratings and

gs at A and A

equirements

against BAGLds and Treasur

Fitch

A (Stable) F1

a

Fitch

A (Stable) F1

R).

sovereign. S&Pks’ outlooks totings at A2/P-negative. Afterat A-/A-2 and

d outlooks for

A- respectively

L-specific ry bills

P o -r d r

y

Funding R

Barclays PLC

CRD IV ca

Barclays’ curreratio requiremConservation Pillar 2A requiwhich 56% wleast annual re

In addition, a Cexpects to maappropriate CCexposures to o

As at 30 June the minimum

Capital ratios

Fully loaded CET

PRA Transitiona

PRA Transitiona Capital resourc

Shareholders' e

Less: other equi

Adjustment to r Minority interes

Other regulator

Additional value

Goodwill and int

Deferred tax ass

Fair value reserv

Excess of expec

Gains or losses o

Defined-benefit

Direct and indire

Other regulatory

Fully loaded CE Additional Tier

Capital instrume

Qualifying AT1 c

Other regulatory

Transitional AT

PRA Transitiona Tier 2 (T2) capi

Capital instrume

Qualifying T2 ca

Other regulatory

PRA Transitiona 1 The transitio

transitional b2 The CRD IV C

transitional C3 The PRA tran4 As at 30 June

was £64,405the transitio

5 Of the £11.1premium accthat are subj

Risk - Capit

C – 2016 Interim

apital ent regulatory r

ment and, phaseBuffer (CCB) ofrement as per till need to be meview, and all c

Counter-Cyclicaintain a CCCB oCCBs that shouother jurisdictio

2016, Barclays 4.5% CET1 rat

T11,2

al Tier 13,4

al Total Capital3,4

es

equity (excluding

ty instruments (r

retained earnings

sts (amount allow

ry adjustments a

e adjustments (PV

tangible assets

sets that rely on f

ves related to gain

ted losses over im

on liabilities at fa

pension fund ass

ect holdings by a

y adjustments

ET1 capital

1 (AT1) capital

ents and related s

capital (including

y adjustments an

T1 capital5

al Tier 1 capital

ital

ents and related s

apital (including m

y adjustments an

al total regulator

onal regulatory adjbasis. CET1 ratio (FSA OCRD IV CET1 capitnsitional capital ise 2016, Barclays’ f5m and the fully lonal provisions set

1bn transitional ATcounts, £0.4bn quject to grandfathe

tal

m Results

requirement is ed in from 2016f 2.5% and a Gthe PRA’s Indiv

met in CET1 formcapital, RWA an

al Capital Buffeof 0% on UK exuld be applied tons; however b

s’ CET1 ratio watio requirement

g non-controlling

recognised as AT

s for foreseeable d

wed in consolidate

nd deductions:

VA)

future profitability

ns or losses on ca

mpairment

ir value resulting

sets

an institution of o

share premium a

g minority interes

nd deductions

share premium a

minority interests

nd deductions

ry capital

justments to CET1

ctober 2012 transtal and £366bn of based on the PRAfully loaded Tier 1

oaded total capital out in CRD IV and T1 capital, fully loaualifying minority in

ring.

to meet a fully 6, a Combined lobally Systemi

vidual Capital Gm, equating to

nd leverage calc

er (CCCB) is reqxposures until ao exposures in ased on curren

as 11.6% whict, 2.2% of Pillar

g interests) per th

T1 capital)

dividends

ed CET1)

y excluding temp

ash flow hedges

from own credit

wn CET1 instrum

ccounts

sts) issued by sub

ccounts

s) issued by subs

capital are no lon

sitional statement) RWAs. A Rulebook and ac capital was £47,94l ratio was 17.6%. assessing complia

aded AT1 capital usnterests and £0.1b

36

loaded CRD IVBuffer Requiremcally Important

Guidance (ICG) fapproximately

culations reflect

quired. On 5 Julat least June 20 their jurisdictio

nt exposures thi

h exceeds the 2 2A, a 0.625% C

he balance sheet

porary differences

t

ments

bsidiaries

idiaries

nger applicable res

as applicable to B

companying super46m, and the fully The fully loaded Tance of AT1 and Tsed for the leverag

bn capital deductio

V CET1 ratio comment currently t Institution (G-for 2016 based 2.2% of RWAst Barclays’ inter

y 2016 the Fina17. Other natio

on. During 2016is is not expect

2016 transitionCCB buffer, a 0

t

s

sulting in CET1 cap

Barclays’ Tier 2 Con

rvisory statementsy loaded Tier 1 ratioTier 1 capital and toT2 instruments agage ratio comprises ons. It excludes leg

mprising the re expected to co-SII) buffer of 2

d on a point in ts. The Pillar 2A rpretation of th

ancial Policy Coonal authorities6, CCCBs will stted to be mater

nal minimum re0.5% G-SII buffe

As at

30.06.16

11.6%

14.6%

18.7%

£m

62,854

(5,314)

(297)

1,501

(2,092)

(8,552)

(670)

(3,046)

(1,475)

(177)

(204)

(50)

(121)

42,357

5,314

5,885

(130)

11,069

53,426

2,890

12,366

(254)

68,428

pital on a fully load

ntingent Capital N

s. o was 13.1%. Fullyotal capital measuainst the relevant c the £5.3bn capita

gacy Tier 1 capital

quired 4.5% momprise of a Ca2%. In additiontime assessmen requirement is

he current rules

ommittee annos also determinetart to apply forrial.

equirement of 7er and a 0% CC

As at 31.03.16

11.3%

14.3%

18.2%

£m

62,166

(5,312)

(760)

1,046

(2,124)

(8,457)

(771)

(2,497)

(1,377)

56

(859)

(54)

(199)

40,858

5,312

5,816

(130)

10,998

51,856

1,855

12,741

(253)

66,199

ded basis being equ

Notes was 12.8% b

y loaded total reguures are calculatedcriteria in CRD IV. al instruments and instruments issue

inimum CET1 pital

n, Barclays’ nt is 3.9% of s subject to at .

ounced that it e the r Barclays’

7.8% includingCCB.

As at31.12.15

11.4%

14.7%

18.6%

£m

59,810

(5,305)

(631)

950

(1,602)

(8,234)

(855)

(1,231)

(1,365)

127

(689)

(57)

(177)

40,741

5,305

6,718

(130)

11,893

52,634

1,757

12,389

(253)

66,527

ual to that on a

ased on £47bn of

ulatory capital d without applying

related share ed by subsidiaries

g

t 5

%

%

%

m

)

)

)

)

)

)

)

)

)

)

)

)

f

Funding R

Barclays PLC

Movemen

Opening CET1 Profit for the peOwn credit Dividends paid

Increase in ret Net impact of sAvailable for saCurrency transOther reserves

Increase in oth Retirement benDefined-benefi

Net impact of p Minority intereAdditional valuGoodwill and inDeferred tax asExcess of expecDirect and indiOther regulato

Increase/(decr

Closing CET1 c

The CET1£42.4bn w

Significan

A £0.6divide

A £1.4the ap

A £0.6

A £0.5

A £0.3portfo

Risk - Capit

C – 2016 Interim

nt in CET1

capital

eriod attributab

and foreseen

ained regulator

share schemes

ale reserves lation reserves

her qualifying re

nefit reserves

it pension fund a

pensions

sts

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

rease) in regula

capital

ratio increasewhilst RWAs in

nt movements

6bn increase inends paid and f

4bn increase inppreciation of a

6bn increase in

5bn increase in

3bn increase inolio within US c

tal

m Results

capital

le to equity hold

ry capital gener

eserves

asset deduction

(PVA) s n future profitabmpairment y an institution o

atory capital due

ed in H116 to 1ncreased £8bn

in CET1 capita

n regulatory caforeseen

n other qualifyall major curre

n minority inte

n the PVA ded

n the goodwill consumer card

ders

ated from earni

bility excluding t

of own CET1 inst

e to adjustment

11.6% (Decemn to £366bn

al were:

apital generate

ying reserves inencies against

erest as a resul

uction largely

and intangibleds in Q116

37

ings

hose arising fro

truments

ts and deductio

mber 2015: 11.

ed from earnin

ncluding a £2.3 GBP

lt of the sale of

as a result of c

es deduction p

m temporary dif

ns

.4%) reflecting

ngs after absor

3bn increase i

f 12.2% of BAG

changes in me

partly due to th

T

fferences

g an increase in

rbing the impa

n the currency

GL’s issued sh

ethodology in

he acquisition

Three months

ended 30.06.16

£m

40,858

781

(233)

(199)

349

141

(247)

1,529

(600)

823

(805)

655

(150)

455

32

(95)

101

(98)

4

78

477

42,357

n CET1 capital

acts of own cre

y translation re

hare capital

Q116

of the JetBlue

Six months

ended 30.06.16

£m

40,741

1,318 (304) (403)

611

14 (310)

2,322 (628)

1,398

(759) 485

(274)

551 (490) (318)

185 (110)

7 56

(119)

42,357

l of £1.6bn to

edit and

eserve due to

credit card

Funding R

Barclays PLC

Risk weig

As at 30.06.16

Barclays UK Barclays CorpoHead Office1

Barclays Core Barclays Non-C

Barclays Group

As at 31.12.15

Barclays UK Barclays CorpoHead Office1

Barclays Core Barclays Non-C

Barclays Group

Movemen Risk weighted

As at 01.01.16

Book size

Acquisitions an

Book quality

Model updates

Methodology a

Foreign exchan

As at 30.06.16 1 Includes Afri2 Foreign exch

RWAs increas

Book sizeincreased

Acquisitithe Portu

Book qua

Model upPRA

MethodoFX collat

Foreign eagainst G

Risk - Capit

C – 2016 Interim

hted asset

6

orate & Internatio

Core

p

5

orate & Internatio

Core p

nt analysis

assets

6

nd disposals

s

and policy

nge2

6

ica Banking disconhange movement d

sed £7.9bn to

e: RWAs incread trading activ

ions and dispouguese busine

ality: RWAs inc

pdates: RWAs

ology and policteral on averag

exchange movGBP

tal

m Results

ts (RWAs)

Cr

S £ 5,79

onal 50,60 8,03 64,44 7,33 71,77

6,56onal 45,89

8,29 60,74 8,70 69,44

of risk we

ntinued operationsdoes not include FX

£366.3bn, driv

ased £5.7bn, pvity

osals: RWAs deess

creased £2.3b

decreased £5

cy: RWAs decrge CVA, and up

vements increa

by risk typ

redit risk C

td IRB £m £m

95 48,656 07 82,219 38 22,954

40 153,829 135 10,813

75 164,642 1

62 50,763 92 77,275 91 20,156

45 148,194 104 12,797

49 160,991 1

ighted ass

Credit risk

£bn

230.4

-

(2.9)

1.4

(3.8)

(0.5)

11.8

236.4

s. FX for modelled cou

ven by:

primarily driven

ecreased £2.9b

n, primarily dr

.9bn, primarily

reased £3.1bnpdates impact

ased RWAs by

38

pe and bus

Counterparty cr

Std IRB£m £m

10 -11,754 14,401

33 935

11,797 15,3361,911 9,797

13,708 25,133

26 -10,463 11,055

54 538

10,543 11,5931,653 9,430

12,196 21,023

sets Counterparty

unterparty risk or m

n by increases

bn, primarily d

riven by chang

y driven by mo

, primarily drivting credit conv

y £11.8bn, prim

iness

redit risk

B

Settle-ment

risk Cm £m

- 57 4,0 - 5

57 4,6 1 3,1

58 7,8

- 516 3,4 8 3

524 3,7 1 7,4

525 11,2

y credit risk £bn

33.7

6.8

-

0.3

(2.0)

0.1

-

38.9

modelled market r

s in the fair valu

driven by dispo

es in risk profi

odel changes in

ven by the effeversion factors

marily driven b

Market risk

CVA Std £m £m

83 - 078 9,923 9524 414 2

685 10,337 1163 782 4

848 11,119 15

- - 406 8,373 10382 399 1

788 8,772 12480 1,714 3

268 10,486 15

Market risk

£bn

37.6

(1.1)

-

0.6

(0.1)

(2.7)

-

34.3

risk.

ue of derivativ

osals in Non-Co

ile within Non-

n Barclays UK f

ect of collateras and standard

y the apprecia

Operat

IMA £m

- 129,008 272,279 8

,287 474,038 8

5,325 56

 - 12

0,196 271,903 8

2,099 473,679 8

5,778 56

Operational risk

£bn

56.7

-

-

-

-

-

-

56.7

ves exposures a

ore, including

-Core

following appr

l modelling fodised general m

ation of ZAR, U

ional risk

TotalRWAs

£m £m

,574 67,118 ,257 209,304 ,003 43,180

,834 319,602 ,826 46,666

,660 366,268

,174 69,525 ,657 194,833 ,003 39,734

,834 304,092 ,826 54,284 ,660 358,376

Total RWAs£bn

358.4

5.7

(2.9)

2.3

(5.9)

(3.1)

11.8

366.3

as well as

the sale of

roval from the

r mismatched market risk

USD and EUR

l s

m

s n

)

)

)

e

Funding R

Barclays PLC

Leverage

Effective 1 JanGroup:

The levebelow. Tleverage the Base

The avercalculateon the avcomprisicounterc

At 30 June 20which exceedand a phased  

Leverage expo

Accounting asDerivative finanCash collateral

Reverse repurcFinancial assetLoans and adva

Total IFRS asse

Regulatory con

Derivatives adjDerivatives netAdjustments toNet written crePotential Futur

Total derivativ

Securities fina

Regulatory dedWeighted off-b

Total leverage

Fully loaded CEFully loaded AT

Fully loaded Ti

Leverage ratio 1 Included wit

Risk - Capit

C – 2016 Interim

ratio and e

nuary 2016, Ba

rage ratio is coThe calculation exposure. Thl Consultation

rage leverage red as the capitverage of the ling of a 3% mcyclical leverag

016, Barclays’ lds the transitiod in G-SII ALRB

osure

ssets

ncial instrument

chase agreements designated at ances and other

ets

nsolidation adju

justments

tting

o cash collateraledit protection

re Exposure (PFE

ves adjustments

ncing transactio

ductions and otbalance sheet c

exposure

ET1 capital

T1 capital

ier 1 capital

thin financial asset

tal

m Results

exposures

arclays is requ

onsistent with n uses the endhe current expe

on the Levera

ratio as outlineal measure divast day of eacinimum requirge ratio buffer

leverage ratio onal minimum B. In addition,

ts

ts and other simfair value1

r assets

ustments

E) on derivatives

ons (SFTs) adju

ther adjustmentommitments

ts designated at fa

uired to disclos

the Decembed point CRR defected minimumage Framework

ed by the PRA vided by the exh month in the

rement, a fully (CCLB)

was 4.2% (De requirement fthis exceeds th

milar secured len

s

ustments

ts

air value are revers

39

se a leverage ra

r 2015 methodfinition of Tierm fully loaded k

Supervisory Stxposure measue quarter. The phased in G-S

ecember 2015:for Barclays ofhe expected e

nding

se repurchase agre

atio and an ave

d of calculatior 1 capital for t requirement i

tatement SS45ure, where thee expected endSII additional le

: 4.5%) in line f 3.175%, comnd point minim

eements designate

erage leverage

n and has beethe numerator s 3%, althoug

5/15 and the ue capital and exd point minimueverage ratio b

with the averaprising of the

mum requirem

As at

30.06.16

£bn

445

79

20

89

718

1,351

(10)

(402)

(64)

19

142

(305)

18

(16)

117

1,155

42.4

5.6

47.9

4.2%

ed at fair value of £

e ratio applicab

en included in t and the CRR dh this could be

updated PRA rxposure measum requiremebuffer (G-SII A

age leverage ra3% minimum

ment of 3.7%.

As at 31.03.16

£bn

401 70 20 85

673

1,249

(10)

(365) (56)

16 134

(271)

18

(16) 112

1,082

40.9 5.5

46.3

4.3%

£73bn (December

ble to the

the table definition of e impacted by

rulebook is ure is based nt is 3.7% LRB) and a

atio of 4.1%, requirement

As at31.12.15

£bn

328 62 28 77

625

1,120

(10)

(293)(46)15

129

(195)

16

(14)111

1,028

40.7 5.4

46.2

4.5%

2015: £50bn).

t 5

n

)

) )

)

)

%

Funding R

Barclays PLC

During H116,exposure of ££46.2bn):

Loans anincrease preparatgrowth oreflecting

Reverse

Net deriv£58bn pexchangagainst G

PFE on dpartially

Weightedcurrencie

The average lcapital held a Additional Baconfidentialit(EBA/GL/201

Risk - Capit

C – 2016 Interim

, the leverage £127bn to £1,1

nd advances an in cash and bation for the EU of £14bn withig the apprecia

repurchase ag

vative leveragerimarily due toe derivatives, r

GBP

derivatives incroffset by com

d off balance ses against GBP

leverage exposagainst the 0.1

arclays’ regulaty and on discl14/14) will be

tal

m Results

ratio decrease155bn partially

nd other assetalances at cen referendum, ain Barclays Co

ation of ZAR a

greements incr

e exposure, exco an increase inreflecting a de

reased by £13bpression activ

sheet commitmP

sure measure 75% transition

tory disclosureosure frequen disclosed on 1

ed to 4.2% (Dey offset by a £

ts increased byntral banks duea £26bn increarporate & Integainst GBP

reased £15bn t

cluding net wrn IFRS derivati

ecrease in the m

bn to £142bn ity, sale of pos

ments increase

for H116 was nal G-SII ALRB

es prepared in cy under Artic11 August 201

40

ecember 2015:1.8bn increase

y £93bn to £71e to an increasase in settlemernational and a

to £93bn, refle

ritten credit prives driven by major forward

primarily drivesitions and ma

ed by £6bn to

£1,139bn resuB was £2.0bn. T

accordance wcles 432(1), 4316, available at

: 4.5%) primare in fully loade

18bn. The incrse in the cash cent balances foa £8bn increas

ecting an incre

otection and Pan increase in interest rates

en by the apprturity of trade

£117bn prima

ulting in an avThere is no cu

with the EBA Gu32(2) and 433 t home.barclay

rily driven by aed Tier 1 capita

rease was primcontribution toollowing increase in Africa ba

ease in matche

PFE on derivati interest rate d and appreciat

eciation of mas

arily driven by

erage leveragerrent impact fo

uidelines on mof Regulation ys/results.

an increase in tal to £47.9bn (

marily driven byo the Group liqased client actnking assets h

ed book tradin

ives, increasedderivatives andtion of major c

ajor currencies

the appreciati

e ratio of 4.1%or the CCLB fo

materiality, prop (EU) No 575/

the leverage (Dec 2015:

y a £27bn quidity pool in tivity, lending held for sale

g

d by £7bn to d foreign currencies

s against GBP,

on of major

%. The CET1 or the group.

prietary and 2013

Credit Ris

Barclays PLC

Analysis o

Loans and a

As at 30th June

Banks Other financialHome loans Cards, unsecurConstruction aOther

Net loans and

Impairment allo

Gross loans an Loans and adv As at 31st Dec

Banks Other financialHome loans Cards, unsecurConstruction aOther

Net loans and Impairment allo

Gross loans an Loans and adv Net loans andbalances, an of £14.5bn wbalances and

Other risks beto the Oil and(2015: £13.8strong or sati 

sk

C – 2016 Interim

of loans an

advances at a

e 2016

institutions

red loans and otnd property

advances to cu

owance

nd advances to c

vances at FV

cember 2015

institutions

red loans and otnd property

advances to cuowance

nd advances to c

vances at FV

d advances inc£8.1bn increas

within Barclays a decrease of

eing monitored Gas sector wbn). Impairmisfactory was 9

m Results

nd advance

amortised co

her personal len

stomers and ba

customers and

her personal len

stomers and ba

customers and

creased £32.9bse due to the r Corporate & Inf £6.0bn from t

ed include expowas £4.7bn (20

ent charges w93% (2015: 97

 

es to custo

ost net of im

Kin

313

nding 225

anks 27

banks 27

1

113

nding 214

anks 24

banks 25

1

bn to £473.4bnreclassificationnternational, pthe rundown a

osures to Russ015: £4.4bn), wwere £88m (H7%) of the tota

41

omers and

pairment all

United ngdom Eu

£m

5,638 1431,030 2331,867 1229,215 420,799 151,593 16

70,142 71

2,543

72,685 72

10,235

7,344 918,521 1632,167 1228,800 418,565 44,422 12

49,819 572,492

52,311 58

16,281

n. This includen of ESHLA loapartially offset and exit of oth

sia, China and with contingen115: £2m). Thal net exposur

banks

owances, by

urope Amer£m

4,091 16,3,964 62,82,071 54,188 19,31,121 1,56,551 11,4

1,986 111,9

785 9

2,771 112,8

359 8

9,796 12,96,910 39,2,297 64,665 17,4

803 1,82,819 10,

7,290 82,8816

8,106 83,6

290 8

ed a £46.4bn inans now recog by the reclass

her assets in No

the Oil and Gnt liabilities anhe ratio of thee to credit risk

y industry sec

ricas Africa a

Middle Ea£m £

107 1,2836 36576 36364 66581 13456 3,37

920 6,11

906 10

826 6,22

820

979 2,05796 1,82624 10,53487 7,7834 2,07161 12,16

881 36,36725 83

606 37,20

813 50

ncrease in casnised at amortification to heon-Core.

as sector. Netnd commitmen Group’s net t

k to this sector

ctor and geo

and ast Asi£m £m

14 5,42165 5,13565 11566 9235 12774 2,386

19 13,276

03 46

22 13,322

9 25

53 4,65726 3,67632 24313 1,49772 24565 3,897

61 14,21539 49

00 14,264

04 25

h collateral antised cost, lendld for sale of £

t on-balance snts to this secttotal exposurer.

ography

ia Totalm £m

1 42,471 5 123,330 5 144,994 2 53,525 7 23,763 6 85,360

6 473,443

6 4,383

2 477,826

5 11,448

7 36,829 6 80,729 3 155,863 7 60,162 5 23,519 7 83,464

5 440,566 9 4,921

4 445,487

5 17,913

nd settlement ding growth

£30.6bn BAGL

heet exposuretor of £13.9bnes classified as

l m

e n s

Credit Ris

Barclays PLC

Analysis o

As at 30.06.16

Barclays UK

Barclays CorpoHead Office

Barclays Core

Barclays Non-C

Total Group re

Barclays UK

Barclays CorpoHead Office

Barclays Core

Barclays Non-C

Total Group w Group total

Traded loans

Loans and adva

Loans and adv

Total loans and As at 31.12.15

Barclays UK

Barclays Corpo

Head Office

Barclays Core

Barclays Non-C

Total Group re

Barclays UK

Barclays CorpoHead Office

Barclays Core

Barclays Non-C

Total Group w Group total

Traded loans

Loans and adva

Loans and adv

Total loans and 

1 Excluding imcharge, whe

Loans and ad

Barclays Cand settle

sk

C – 2016 Interim

of retail an

6

orate & Internatio

Core

etail

orate & Internatio

Core

wholesale

ances designate

vances held at fa

d advances

5

orate & Internatio

Core

etail

orate & Internatio

Core

wholesale

ances designate

vances held at fa

d advances

mpairment chargeereas December 20

dvances to cus

Corporate andement balance

m Results

d wholesa

onal

onal

ed at fair value

air value

onal

onal

ed at fair value

air value

es on available for015 impairment ch

tomers and ba

International es and lending

ale loans an

Gross

loans and advances

Ima

£m

155,013

28,609

-

183,622

11,266

194,888

15,383

203,725

5,802

224,910

58,028

282,938

477,826

3,180

11,448

14,628

492,454

153,539

26,041

17,412

196,992

12,588

209,580

16,400

159,776

19,752

195,928

39,979

235,907

445,487

2,474

17,913

20,387

465,874

r sale investmentharges represent 1

anks at amorti

increased by £ growth of £14

42

nd advance

pairment llowance

Load

imp£m

1,619 11,049

-

2,668 1414

3,082 1

263 686 2

-

949 2352

1,301 2

4,383 4

n/a n/a

n/a

4,383 4

1,556 1

896

539

2,991 1465

3,456 2

312 617 1200

1,129 1

336

1,465 2

4,921 4

n/a

n/a

n/a

4,921 4

ts and reverse rep2 months charge.

sed cost net o

£46.3bn to £234.5bn

es and imp

ans and dvances

net of airment Ris

£m

153,394 27,560

-

180,954 10,852

91,806

15,120 203,039

5,802

223,961 57,676

281,637

473,443

3,180 11,448

14,628

488,071

151,983

25,145

16,873

194,001 12,123

206,124

16,088 159,159

19,552

194,799

39,643

234,442

440,566

2,474

17,913

20,387

460,953

purchase agreeme

of impairment

30.6bn reflecti

pairment

Credit sk Loans

CRLsg

loansadva

£m

2,228 1,033

-

3,261 917

4,178

627 1,379

-

2,006 455

2,461

6,639

2,238

863

859

3,960 936

4,896

636 1,331

513

2,480

441

2,921

7,817

ents. H116 impair

increased to £

ing a £31.8bn

% of gross s and ances

Limpairm

charg%

1.4 33.6 3

-

1.8 78.1

2.1 7

4.1

0.7 1-

0.9 10.8

0.9 1

1.4 9

1.5 6

3.3 7

4.9 2

2.0 1,67.4 1

2.3 1,8

3.9

0.8 22.6

1.3 3

1.1 (

1.2 2

1.8 2,0

rment charges rep

£473.4bn (201

increase in ca

oan ment ges1

Loan lossrates

£m bps

360 47 373 263

- -

733 80 37 66

770 80

6 8 135 13

- -

141 13 16 6

157 11

927 39

682 44

714 274

273 157

669 85 139 110

808 86

24 15 201 13

80 41

305 16

(16) (4)

289 12

097 47

present 6 months

5: £440.6bn).

ash collateral

s s

s

)

s

Credit Ris

Barclays PLC

Barclays balancesoffset byretail banhistorica

Head off

Analysis o

Barclays UK

Barclays Corpo

Head Office1

Barclays Core

Barclays Non-C

Total Group re Barclays UK

Barclays Corpo

Head Office1

Barclays Core

Barclays Non-C

Total Group w

Group total

Barclays UK

Barclays Corpo

Head Office1

Barclays Core

Barclays Non-C

Total Group re

Barclays UK

Barclays Corpo

Head Office1

Barclays Core

Barclays Non-C

Total Group w

Group total

1 Includes Bar

Credit Ri

CRLs decreclassifi

 

sk

C – 2016 Interim

Non-Core incs, an £8.1bn iny a £6.0bn decnking operatio

al investment b

fice decreased

of potentia

orate & Internatio

Core

etail

orate & Internatio

Core

wholesale

orate & Internatio

Core

etail

orate & Internatio

Core

wholesale

rclays Africa discon

sk Loans (CRL

creased 16% tication of BAG

m Results

reased £16.8bncrease due to rease from the

ons and Southebank assets

by £30.6bn to

al Credit Ri

onal

onal

onal

onal

ntinued operations

Ls) decreased

to £2.5bn in wGL balances to

 

bn to £68.5bn the reclassifice reclassificatioern European c

o £5.8bn drive

sk Loans a

3

Imp

3

s as at 31 Decemb

15% to £6.6bn

holesale portfoheld for sale

43

driven by a £1cation of ESHLAon of Asia weacards business

n by the reclas

and coveraCRLs

As at

30.06.16 31.£m

2,228 2

1,033

-

3,261 3

917

4,178 4

627

1,379 1

-

2,006 2

455

2,461 2

6,639 7

pairment allowa

As at

30.06.16 31.£m

1,619 1

1,049

-

2,668 2

414

3,082 3

263

686

-

949 1

352

1,301 1

4,383 4

ber 2015.

n

olios and 15%

4.6bn increaseA loans now realth and investses to assets h

ssification of B

age ratios

As at

12.15 30.0£m

2,238

863

859

3,960

936

4,896

637 1,330 1

513

2,480 1

441

2,921 1

7,817 1

ance C

As at

12.15 30.0£m

1,556 7

897 10

539

2,992 8

464 4

3,456 7

312 4617 4200

1,129 4

336 7

1,465 5

4,921 6

% to £4.2bn in r

e in cash collaecognised at atment manageheld for sale, an

BAGL balances

PPLs

As at As

06.16 31.12.£m £

301 3

135 1

- 1

436 6

11

447 67

58 1

1,119 8

- 24

1,177 1,24

42 1

,219 1,37

,666 2,05

CRL coverage

As at As

06.16 31.12.%

72.7% 69.5

01.5% 103.9

- 62.7

81.8% 75.6

45.1% 49.6

73.8% 70.6

41.9% 49.0

49.7% 46.4

- 39.0

47.3% 45.5

77.4% 76.2

52.9% 50.2

66.0% 63.0

retail portfolio

teral and settleamortised costement businesnd the rundow

to held for sa

s at As

.15 30.06.£m £

82 2,52

17 1,16

54

53 3,69

26 92

79 4,62

27 6877 2,4945

49 3,18

22 49

71 3,68

50 8,30

PCRL

s at As

.15 30.06.%

5% 64.0

9% 89.8

7%

6% 72.2

6% 44.6

6% 66.6

0% 38.44% 27.50%

5% 29.8

2% 70.8

2% 35.4

0% 52.8

s. This is drive

ement t, partially s, French

wn and exit of

le

PCRLs

s at As at

.16 31.12.15£m £m

29 2,620

68 980

- 1,013

97 4,613

28 962

25 5,575

85 764

98 2,207

- 758

83 3,729

97 563

80 4,292

05 9,867

L coverage

s at As at

.16 31.12.15% %

0% 59.4%

8% 91.5%

- 53.2%

2% 64.9%

6% 48.2%

6% 62.0%

4% 40.8%

5% 28.0%- 26.4%

8% 30.3%

8% 59.7%

4% 34.1%

8% 49.9%

en by

t

5 m

t

5 %

%

%

%

%

%

%

%

% %

%

%

%

%

Credit Ris

Barclays PLC

Analysis o

Barclays UK Barclays Corpo

Barclays Core Barclays Non-CHead Office1

Total retail Barclays UK

Barclays Corpo

Barclays Core Barclays Non-CHead Office1

Total wholesal

Group total

 

1 Includes Bar

Retail balanc(BAGL) and c

Barclaysportfolio

Barclayschanges

Wholesale baoperations (B

sk

C – 2016 Interim

of forbeara

orate & Internatio

Core

orate & Internatio

Core

le

rclays Africa discon

es on forbearacontinued imp

s UK: Forbearas driven by the

s Corporate & and FX movem

alances on foBAGL), offset b

m Results

ance progr

onal

onal

ntinued operations

ance reduced rovement in B

nce balances de benign econ

International:ments

orbearance deby an increase

rammes

Ba

As a

30.06.16 £m

971 231

1,202

373-

1,575

413 1,723

2,136

150

2,286

3,861

s as at 31 Decemb

by 11% to £1arclays UK, off

decreased 6% omic environm

Balances incr

ecreased by 6in Barclays Co

44

alances

at As

6 31.12.m £

1 1,031 18

2 1,22

3 34- 21

5 1,77

3 413 1,50

6 1,91

0 28 - 22

6 2,43

1 4,20

ber 2015.

1.6bn primarilfset by a small

to £971m follment

eased primaril

6% to £2.3bnorporate & Inte

Ima

at As

15 30.06£m

36 285

21 2

42 10

73 3

12 05 2

17 2

87 28

32 3

05 6

y due to the n increase in Ba

owing continu

ly due to US ca

n primarily duernational.

mpairment allowance

s at As a

.16 31.12.15£m £m

221 191 64 46

285 237

56 63- 29

341 329

30 32228 196

258 228

59 146 - 17

317 391

658 720

non-inclusion arclays Corpor

ued improvem

ards, driven by

ue to the non

Allowa

t As

5 30.06.1m

226 27

7 23

3 159

9 21.

2 76 13

8 12

6 397

13.

0 17.

of discontinurate & Internat

ment in card an

y book growth

n-inclusion of

ance coverage

at As at

16 31.12.15% %

.8 18.4

.7 24.9

.7 19.4

.0 18.4 - 13.8

.7 18.6

.3 7.8

.2 13.0

.1 11.9

.3 50.9 - 7.5

.9 16.1

.0 17.1

ued operationstional.

nd mortgage

, strategy

f discontinued

t

5

%

s

d

Credit Ris

Barclays PLC

Analysis o

UK home lo

The UK homein the Group’

As at 30.06.16

Barclays UK As at 31.12.15 Barclays UK Home loans

 

As at

Barclays UK -

UK Home Loan<=75%

>75% and <=80

>80% and <=85

>85% and <=90

>90% and <=95

>95% and <=10

>100%

Home loans

As at

Portfolio markeAverage LTV: BAverage LTV: V

For > 100% LT

Balances £m

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

1 Portfolio mahouse price

Barclays UK: weighted LTVreduction in h

sk

C – 2016 Interim

of specific

oans

e loan portfolios retail core po

6

- UK home loan

5

- UK home loan

s principal po

ns

0%

5%

0%

5%

00%

s principal po

ed to market LTVBalance weighteValuation weight

TV:

rket collateral £mBalance weighteValuation weightrecovery book

arked to market bindex available in

Arrears and V reduced to 4home loans wi

m Results

core portf

o primarily comortfolios.

Gand

ns

ns

ortfolios-dist

Distribubalan

%

30.06.16

93.0

3.1

1.8

1.1

0.6

0.2

0.2

ortfolios - Av

V:

d %

ted %

m

d %

ted %

ased on the most the country as at 3

charge-off rat47.2% (2015: 4ith LTV >100%

folios/busi

mprises first lie

ross loans d advances

90 d

£m

127,433

127,750

tribution of b

ution of nces 

%

31.12.15

92.1

3.4

2.1

1.4

0.6

0.2

0.2

verage LTV

t updated valuatio30 June 2016.

tes remained s49.2%) as ave

% to £280m (2

45

inesses

en mortgages

day arrears, excluding recoveries

p

%

0.2

0.2

balances by

Impairment covratio

%

30.06.16 31

0.1

0.2

0.3

0.4

0.6

1.2

3.8

on including recov

stable, reflectierage house pr015: £310m).

and accounts

Non performing

proportion of outstanding

balances %

0.6

0.7

LTV1

verage

Nop

outs

%

1.12.15 30.

0.1

0.2

0.3

0.3

0.6

1.3

3.4

veries balances. Up

ng the continrices increased

for 98% (201

Annualised gross

charge-off rates

%

0.3

0.3

on-performing proportion of tanding balanc

%

.06.16 31.12.

0.6 0

0.7 1

1.0 1

1.2 1

1.8 1

3.4 4

6.2 7

pdated valuations

uing low based. This increas

5: 98%) of tot

Recoveries proportion of

outstanding balances

%

0.4

0.4

es

Non-pbalances

cover

% %

.15 30.06.1

0.6 4.7

1.0 14.7

1.0 18.4

1.3 19.9

1.8 26.6

4.0 29.8

7.0 42.5

BarclaUK hom

30.06.16 %

47.2 35.3

280 238

122.0 117.4

5.1

reflect the applica

e rate environme also contribu

tal home loans

Recoveriesimpairment

coverage ratio%

10.2

10.1

performing s impairment rage ratio

% %

6 31.12.15

7 4.7

7 13.5

4 16.7

9 15.7

6 25.7

8 25.4

5 35.6

ays UK

me loans 31.12.15

% % 49.2 37.3

310 260 123.0 118.5 5.6

ation of the latest

ment. Balanceuted to a 10%

s

s t o

%

5 %

3

5

t

e %

Credit Ris

Barclays PLC

Within the UK

Owner-oweighted0.2%)

Buy-to-le51.7% (2

UK home lo

New bookings New mortgageAverage LTV oAverage LTV o

Exposures t

The Group prof the total occupiers, an

Of the £40bnrepresenting

Exposure to Interest only baTotal impairmeMarked to marMarked to mar 

1 A Part and Ppart and parpart book is

sk

C – 2016 Interim

K home loans p

occupied intered LTV on these

et home loans2015: 54.6%),

oans - new le

(£m)

es proportion abn new mortgagen new mortgage

to interest-on

rovides interesbalance of £1

nd £10bn (201

n exposure to othe interest-o

o interest onl

alances (£m) ent coverage (bprket LTV: Balancrket LTV: Valuat

Part Home Loan isrt book which con £9.4bn (2015: £9.

m Results

portfolio:

est-only homee loans reduce

comprised 9% and >90 day a

ending

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

nly home loa

st-only mortga127bn (2015: 5: £10bn) to b

owner-occupienly componen

ly owner-occ

ps) e weighted % ion weighted %

s a product in whictributes £6.6bn (2.9bn) and represen

e loans compried to 41.8% (2

% (2015: 9%) arrears reduced

%)

ghted (%) eighted (%)

ans

ages, mainly i £128bn) of

buy-to-let cust

ers, £33bn (20nt of Part and P

cupied home

ch part of the loan2015: £6.2bn) to thnts 7% of total UK

46

sed 31% (2012015: 44.7%), a

of total balancd to 0.1% (20

n the UK. InteUK home loa

tomers.

015: £34bn) wPart1 mortgage

e loans

n is interest only ahe total interest-on

K home loans portfo

5: 32%) of totand >90 day a

ces. The averag15: 0.2%)

rest-only mortans. This com

was interest-ones.

and part is amortisnly balance of £39folio.

tal balances. Trrears remaine

ge balance we

tgages accounmprised £40bn

nly, with the re

sing. Analysis exclu9.6bn (2015: £40.1

The average baed stable at 0.2

eighted LTV red

BarclaysUK home

30.06.16

9,990

8.7

63.2 54.8

nt for £50bn (n (2015: £40b

maining £7bn

As at

30.06.16 33,029

11

41.8

32.2

udes the interest obn). Total exposur

alance 2% (2015:

duced to

s UK -

loans

30.06.15 9,549

8.3 62.3 53.6

(2015: £50bn)bn) to owner-

n (2015: £6bn)

As at

31.12.15 33,901

11 44.7 34.7

only portion of there on the part and

) -

)

e d

Credit Ris

Barclays PLC

Credit cardsThe principaunsecured loa

Principal portfAs at 30.06.16

Barclays UK UK cards1

UK personal Barclays Co US cards1

Barclays Par Germany ca As at 31.12.15 Barclays UK UK cards1

UK personal Barclays Co US cards1

Barclays Par Germany ca 

1 For UK and Ubeen excludthe period po

UK cards: In recoveries prratio was duecash flow.

UK personal drop in recovwell. Recove

US cards: Arrmix and the drepresentatio

Barclays Partrecoveries imrecoveries as   

sk

C – 2016 Interim

s, overdraftsl portfolios lisans.

folios 6

K

loans rporate & Intern

rtner Finance rds

5

K

loans rporate & Intern

rtner Finance rds

US cards, outstandded from the recov

ost acquisition.

2016, both eaoportion of oue to increased

loans: Arrearsveries balancesry impairment

rears rates remdecrease in rec

on of the future

tner Finance: mpairment cov

per contractu

m Results

s and unsecusted below ac

a

national

national

ding recoveries baveries impairment

arly and late stutstanding ref net inflows in

s and charge-s across the wt coverage rate

mained broadlycoveries impaie recovery exp

Portfolio arreaverage has in

ual ageing.

ured loans counted for 9

Gross loans and advances

£m

17,592

6,150

19,454

2,626

1,657

18,502

5,476

16,699

3,986

1,419

alances for acquirecoverage ratio. Lo

tage arrears reflected decreasto the recover

off rates remawhole portfolioe remained sta

y in line with 2irment coverag

pectation.

ars and chargecreased as a

47

93% (2015: 9

30 day arrears,

excluding recoveries

%

2.3 1.9

2.2 1.4 2.6

2.3 1.9

2.2 1.5 2.3

ed portfolios recogosses have been re

emained stablesed debt sale ary book that h

ained stable reo mainly due toable at 74.4%.

2015. Higher cge ratio was d

e-off rates remresult of an

4%) of the G

90 day arrears,

excluding recoveries

%

1.2 0.8

1.0 0.6 1.0

1.2 0.8

1.1 0.6 1.0

gnised at fair valueecognised where r

e within UK caactivity duringave a higher L

eflecting the bo the Barclaylo

charge-off ratedue to a model

mained broadlyadditional imp

Group’s core c

Annualised gross

charge-off rates

%

4.3 3.0

4.4 2.5 3.7

5.2 3.0

3.9 2.4 3.8

e (which have no rrelated to addition

rds. The lowerg H1 16. The uLGD rate becau

benign economoan portfolio w

es were drivenl enhancemen

y steady durinpairment for

credit cards, o

Recoveries proportion of

outstanding balances

%

4.0 6.5

2.2 2.6 2.7

3.6 7.5

2.0 2.5 2.7

related impairmennal spend from acq

r charge-off rauplift in recoveuse of longer e

mic conditionswhich continu

by a change it providing a m

g the first halfcustomers rec

overdrafts and

f

Recoveriesimpairment

coverage ratio %

84.2 74.4

83.5 88.5 79.5

82.6 73.9

84.8 85.2 81.2

nt allowance) havequired accounts in

ate and highereries coverageexpectation of

s. There was aues to perform

in the productmore accurate

f of 2016. Theclassified into

d

s t o

%

e n

r e f

a m

t e

e o

Credit Ris

Barclays PLC

Wholesale p

The UK Chousing

 

UK CRE sumUK CRE loans a

Past due balan

Balances past d

Impairment allo

Past due cover

Total collateral

   Six months en

Impairment ch

Maturity an

As at 30.06.16 Balances

31.12.15 Balances

UK CRE LTVAs at Group <=75%

>75% and <=10

>100% and <=1

>125%

Unassessed ba

Unsecured bala

Total  

1 Excludes col2 Corporate Ba

Total loans andUK CRE businelimits. Unsecured bala

sk

C – 2016 Interim

portfolios

CRE portfolio in and contracto

mmary

and advances (£

ces (£m)

due as % of UK C

owances (£m)

age ratio

(£m)1

ded  

arge (£m)

nalysis of exp

V analysis

00%

125%

lances2

ances

llateral for unassesanking balances u

d advances at amsses operate to

ances primarily

m Results

ncludes propeors

£m)

CRE balances (%

posure to UK

Past dubalance

£m 174

18

ssed balances. under £4m as at Ju

mortised cost inspecific lending

relate to workin

erty investment

%)

K CRE 

Contractual ma

ue es

Not more

than six months

m £m 4 761

3 801

ne 2016 and unde

creased 6% to £ criteria and the

g capital facilitie

48

t, developmen

aturity of UK CROver six months but not

more than one

year

O

n

£m 609

751

 

er £1m as at Decem

£12,292m (2015e portfolio of ass

es granted to CR

nt, trading, and

RE loans and adv

Over one year but

not more than two

years

Ov

b

tha

£m 1,365

941

 

30

1

mber 2015.

5: £11,617m) wisets is continuall

RE companies.

d house builde

vances at amortver two

years but not

more an five

years

Over ye

but m

thanye

£m 5,927 1,4

5,779 1,0

Balances 

0.06.16 31.12

£m 8,643 8,6

276 3

87 1

21

2,152 1,6

1,113 7

2,292 11,6

ith growth limitey monitored thr

rs but exclude

30.06.1

12,29

17

1.

8

50%

26,44

30.06.1

(

tised cost

five ears not

more ten ears

Over teyea

£m £450 2,00

076 2,08

Bapropo

2.15 30.06.1

£m %655 7

390

119

47

636 1

770

617 10

ed to high qualitrough a range of

es social

Total

16 31.12.15

2 11,617

4 183

4 1.6

8 99

% 54%

42 27,062   

16 30.06.15

1) 5

en rs

Totalloans &

advancesm £m6 12,292

7 11,617

alances as ortion of total

16 31.12.15

% %0 75

2 3

1 1

- -

8 14

9 7

0 100

ty assets. The f mandates and

5

5

5

l & s

m

5

%

Credit Ris

Barclays PLC

Group exp

The folloEurozone

The net eexposure

The Italiaaverage (Decemband 0.7%

As at 30.06.16

Italy Germany France Netherlands Ireland Portugal As at 31.12.15Italy Germany France Netherlands Ireland Portugal

sk

C – 2016 Interim

posures to

owing table shoe countries. Th

exposure prove is also presen

an residential mbalance weighber 2015: 31%% (December 2

Sov

5

m Results

o Eurozone

ows Barclays’ he basis of pre

vides the most nted below, alo

mortgages of hted marked to

%). 90 day arre2015: 0.7%) re

vereign Fina

institu

£m 2,588 1 7,062 3 6,395 4 1,560 1

56 1 1

1,708 2 7,494 3 7,426 4 2,254 1

9 2 87 3

countries

most significaeparation is con

appropriate mongside off-ba

£10.0bn (Deceo market LTVsears and gross espectively

ancial tions Corpor

£m ,894 8

3,879 1,24,895 1,2

,119 1,1,449 2,1 669 1

2,283 1,03,621 1,64,967 8

,177 1,22,824 1,23,346 1

49

ant exposure (ansistent with t

measure of thealance sheet co

ember 2015: £s of 61.4% (De charge-off rat

rate Residentiamortgage

£m £m820 10,003288 8225 717

46 427 3011 6

039 9,505602 9805 1,472280 4282 37

52 6

above £4bn nethat described

e credit risk to wontingent liabi

£9.5bn) are sececember 2015:tes remained s

al s

Other retail

lending

m £m 3 646 8 2,716 7 157 4 4 0 81 6 84

5 675 9 2,313 2 152 4 - 7 51 6 700

et on-balance in the 2015 A

which the Groilities and com

cured on resid: 60.6%) and Cstable at 1.2%

Net on-balance sheet

exposure £m

15,951 14,953 13,389

3,833 3,743

871

15,210 15,039 14,822

4,715 4,203 4,291

sheet exposurAnnual Report

oup is exposedmmitments

ential propertyCRL coverage o (December 20

Gross on-balance sheet

exposure

£m 20,997 55,561 43,195 12,475 6,280 1,036

20,586 50,930 43,427 16,808 7,454 4,555

re) to

. The gross

y with of 32% 015: 1.2%)

-t e

Contingentliabilities and

commitments

m £m 2,735 10,716 7,210 3,378 2,782 1,200

2,701 8,029 7,436 2,970 2,673 1,299

t d s

m

Market Ri

Barclays PLC

Analysis o The table

all tradin

Limits arrisk man

Manageme

Six months en

Credit risk

Interest rate risEquity risk

Basis risk

Spread risk

Foreign exchanCommodity risInflation risk

Diversification

Total managem 1 Includes Bar2 The high an

Consequentl

During H116 to £15m, duepositioning in

The year-on-

isk

C – 2016 Interim

of managee below shows

ng positions in

re applied againagers to each

nt VaR (95%

ded

D

sk

nge risk

k

effect1

ment VaR

rclays Africa disconnd low VaR figurely a diversification

average total e to Barclays

n our trading b

year decrease

m Results

ment VaR s the total man the Investmen

nst each risk f business

%) by asset cl

30.0

Daily Avg H£m

15

6

6

5

3

3

2

2

(22)

20

ntinued operationses reported for ea effect balance for

management own credit sp

books.

in equity VaR

nagement VaRnt Bank, Non-C

factor VaR as w

lass1

6.16

High2 Low£m £m

23 910 410 4

6 35 24 24 3 2-

29 13

s. ach category did nr the high and low

VaR increasedpread widenin

is mainly due

50

R on a diversifiCore and Head

well as total M

w2 Daily Avgm £m

9 12 4 6 4 7 3 3 2 3 2 3 1 2 2 2 - (21)

3 17

not necessarily oc VaR figures would

d by 18% to £g materially. B

to reduction i

ed basis by risd Office and it

anagement Va

31.12.15

g High2 m £m

17 14 18 4 4 6 3 4 ) -

25

ccur on the same d not be meaningfu

20m, largely dBasis VaR incr

n activity in ca

k factor. Totalis calculated w

aR, which are t

Low2 Da£m

9

4

4

2

2

1

1

2

-

12

day as the high ful and is therefore

due to credit Vreased due to

apital markets.

l managementwith one day h

then cascaded

30.06.

ily Avg Hig£m £

10

7

9

3

3

3

2

3

(22)

18

and low VaR repo omitted from the

VaR which incr changes in c

t VaR includes olding period

d further by

15

gh2 Low2

£m £m

13 8

12 4

17 5

4 3

6 2

5 1

2 1

5 2

- -

25 13

orted as a whole. above table.

eased by 25%cross currency

.

% y

Market Ri

Barclays PLC

Analysis o The table belofinancial liabiEarnings at Rforward curverates of abovi.e. no growthcustomer maassumptions Net interest

Period ended 3

+50bps +25bps -25bps

-50bps

Period ended 3

+50bps +25bps -25bps

-50bps 1 Non-Core fig2 Excluding in3 Head Office

are sensitivefirm’s equitybps move is

During H116 that the modtherefore a pafloor assump Within Barclaversus FY15 amodel assummargin comp

isk

C – 2016 Interim

of net inter

ow shows senlities held at 3

Risk (AEaR) mees. The model e zero. The mah assumed; (iiiay remortgage are kept unch

t income sen

30.06.161,2,3

31.12.152,3

gures are as at Mavestment banking banking books (pe to negative intery structural hedge £(5)m / £3m resp

the GBP rate eelled base casarallel fall in thtion comes int

ays UK and Baras lower foreca

mes it would nopression on the

m Results

rest incom

sitivity analysi0 June 2016 a

ethodology. No floors shockeain model assu) balances are or sell the ass

hanged in the u

nsitivity (AEa

ay 2016. operations.

predominantly Trearest rates so the m programme which

pectively.

environment ce already take

he forward rateto effect).

rclays Corporaast base rates ot pass on furte base rate link

e sensitivit

is on the pre-tand 31 Decembote that this md rates at zero

umptions are: e adjusted for aset before the cupward and do

R) by busine

Barcl

asury) are excludemodelled floor assuh would create a p

changed signifs into accounte curve from th

te & Internatio mean customther rate reducked products t

51

ty

ax net interestber 2015. The etric assumes

o, therefore cha(i) one year tim

an assumed becontractual maownward shoc

ess

lays UK

Barclay

£m 40

23

(82)

(101)

31

16

(50)

(141)

ed as positions relaumption does notpositive earnings s

ficantly, with at a lower UK rahis point, whic

onal, margin comer pricing is clctions. As the ithere is a smal

t income for thsensitivity has an instantaneanges in NII seme horizon; (iiehavioural proaturity of theircks.

ys Corporate & International

£m 70

51

(109)

(137)

38

21

(41)

(152)

ate to liquidity andt fully reflect the esensitivity as rates

25 bps GBP bates outlook. Ach implies inte

ompression risloser to the prompact of the fler incrementa

he non-tradings been measureous parallel chensitivity are o) balance shee

ofile e.g. to taker mortgage; an

No

d funding manageexpected NII sensits increase. The ove

base rate cut imA further 25bprest rates fall t

sk has increaseoduct rate floofirst-25bps shoal impact from

g financial asseed using the Ahange to internly observed f

et is kept at thee into accountnd (iv) behavio

on-Core £m

3

2

-

-

7

5

-

-

ement activities. Trtivity. Head Officeerall Head Office i

mplied in Q316ps downward sto zero (where

ed on customeor level, beyonock fully captu

m the -50bps sh

ets and Annual est rate for forward e current levelt that a oural

Total £m

113

76

(191)

(238)

76

42

(91)

(293)

reasury’s positionse also includes theimpact of a +/- 25

6. This means shock is e the model

er liabilities d which the

ures the hock.

s e 5

Market Ri

Barclays PLC

Volatility o

Changes in vathe Available earning meas

Although theVaR, the twoAFS exposure

Analysis of the

Six months en

Non -Traded MValue at Risk (95%) for the sended

The Non-Trad

During H116exposures. Ininvestments t

isk

C – 2016 Interim

of the Ava

alue of Availab for Sale invessure, i.e. the No

e underlying m measures are

es. These expo

e AFS portfolio v

ded  

Market daily, ix months

ded VaR is ma

, average VaR n Q216, availabto held to mat

m Results

ilable for S

ble for Sale expstments in theon-Traded Ma

methodology toe not directly cosures are in th

volatility in the

30.06Daily Avg 

£m

42

ainly driven by

remained stable for sale Vaurity to reflect

Sale (AFS) p

posures flow de liquidity pooarket Risk VaR.

o calculate thecomparable. The banking boo

liquidity pool 6.16

High Low

£m £m

46 35

volatility of int

ble as increaseR fell due to tht the intention

52

portfolio in

directly througl is captured a.

e Non-Traded The Non-Tradeok and do not

Daily A

terest rates in

ed asset swaphe reclassificat with these ass

n the liquid

h capital via eand managed

VaR is similared VaR repres meet the crite

31.12.15 Avg High

£m £m

42 48

developed ma

p volatility wastion of UK Giltsets.

dity pool

quity reserve. through a va

r to the one usents the volat

eria for trading

Low

£m

37

arkets.

s offset by a res previously cl

The volatility olue measure r

sed in Traded tility to capital g book treatme

30.0Daily Avg

£m

41

eduction in avalassified as ava

of the value ofrather than an

Management driven by theent.

06.15 High Low

£m £m

44 39

ailable for saleailable for sale

f n

t e

w

m

e e

Statemen

Barclays PLC

Each of the Dstatements s‘Interim Finanfair review of

an indicacondensremainin

any relator perforAnnual Rended 30

Signed on be

James E StaleGroup Chief E

Barclays PLC Chairman John McFarla

t of Direct

C – 2016 Interim

Directors (the set out on pagncial Reportingf the informatio

ation of imported consolidate

ng six months o

ted party transrmance of BarcReport that cou0 June 2016.

half of the Boa

ey Executive

Board of Direc

ane

ors’ Respo

m Results

names of whges 55 to 60 g’, as adopted on required by

tant events thaed interim finaof the financia

sactions in the clays during thuld have a ma

ard by

ctors:

ExecuJamesTusha

onsibilities

om are set ou have been p by the Europe

y Disclosure an

at have occurrancial statemenal year

six months enhat period and terial effect on

utive Directorss E Staley (Grouar Morzaria (Gr

53

ut below) confrepared in acean Union, andnd Transparen

red during the nts, and a desc

nded 30 June 2d any changes in the financial

Tus Gro

s up Chief Execuroup Finance D

firm that the ccordance withd that the intecy Rules 4.2.7

six months encription of the

2016 that havein the related p position or per

shar Morzaria oup Finance Di

utive) Director)

condensed coh Internationarim managemR and 4.2.8R n

nded 30 June 2 principal risks

e materially affparty transactrformance of B

rector

Non-executivMike Ashley Tim Breedon Crawford GillSir Gerry GrimReuben JefferDambisa MoyDiane de SainDiane SchuenStephen Thie

onsolidated intal Accounting

ment report hernamely:

016 and their s and uncertain

fected the finations describedBarclays in the

ve Directors

CBE lies mstone ry III yo nt Victor neman eke

terim financial Standard 34,rein includes a

impact on thenties for the

ancial position d in the last e six months

l ,

a

e

Independ

Barclays PLC

Independen Report on th Our conclusioWe have revieinterim resultsto our attentiaccordance wDisclosure Ru What we haveThe interim fin

the condeperiod th

the conde

the conde

the conde

the expla

The interim International Aand Transpare

As disclosed preparation of(IFRSs) as ado Responsibil Our responsibThe interim rethe directors. Rules and Tra

Our responsibreview. This rethe Disclosuredo not, in giviis shown or in

What a reviewWe conductedInterim Financthe United Kinfinancial and a

A review is suIreland) and, cmight be ident

We have readapparent miss

PricewaterhouChartered AccLondon 28 July 2016

1 The maintenconsideratiostatements s

2 Legislation in

ent Audito

C – 2016 Interim

nt review rep

he condense

on ewed Barclays s announcemenion that cause

with Internationles and Transpa

e reviewed nancial stateme

ensed consoliden ended;

ensed consolid

ensed consolid

ensed consolid

anatory notes to

financial stateAccounting Staency Rules of th

in note 1 to f the full annua

opted by the Eu

ities for the

bilities and thoesults announc The directors nsparency Rule

bility is to expreeport, includinge Rules and Trang this conclusto whose hand

w of interim find our review incial Informationngdom. A revieaccounting mat

ubstantially lessconsequently, tified in an aud

d the other infstatements or m

useCoopers LLPcountants

nance and integrion of these mattersince they were inin the United Kingd

ors’ Review

m Results

port to Barcla

ed consolidat

PLC's condensnt of Barclays P

es us to believal Accounting arency Rules of

ents, which are

dated income st

dated balance s

dated statement

dated cash flow

o the interim fin

ements includeandard 34, ‘Intehe United Kingd

the interim final financial stat

uropean Union.

interim finan

se of the direccement, includi are responsibles of the United

ess a conclusiong the conclusioansparency Rulsion, accept or ds it may come

nancial statemen accordance wn Performed byew of interim ftters, and apply

s in scope thandoes not enab

dit. Accordingly

formation contmaterial incons

P

rity of the Barclayrs and, accordinglitially presented ondom governing the

w Report to

ays PLC

ted interim f

ed consolidatePLC for the 6 me that the inte Standard 34, ‘f the United Kin

e prepared by B

tatement and c

heet as at 30 Ju

t of changes in

w statement for

nancial stateme

ed in the inteerim Financial dom’s Financia

nancial statemtements of the

ncial stateme

tors ng the interim le for preparin

d Kingdom’s Fin

n on the interimon, has been pres of the Uniteassume respon save where exp

ents involves with Internationy the Independefinancial informying analytical a

n an audit condble us to obtain

, we do not exp

tained in the iistencies with t

ys website is the ly, the auditors acn the website. e preparation and d

o Barclays

54

financial stat

ed interim finanmonth period en

erim financial Interim Financ

ngdom’s Financ

arclays PLC, co

condensed cons

une 2016;

equity for the

the period then

ents.

erim results anReporting’, as l Conduct Auth

ments, the finan Group is appli

ents and the

financial stateg the interim r

nancial Conduc

m financial statrepared for anded Kingdom’s Fnsibility for anypressly agreed

nal Standard onent Auditor of t

mation consistsand other revie

ducted in accon assurance thapress an audit o

nterim results the information

responsibility of tccept no responsib

dissemination of fi

PLC

tements

ncial statementnded 30 June 20statements areial Reporting’, cial Conduct Au

omprise:

solidated statem

period then end

n ended; and

nnouncement adopted by th

hority.

ncial reportingicable law and

review

ments, is the rresults announ

ct Authority.

tements in the d only for the cFinancial Conduy other purpose by our prior co

n Review Engathe Entity’ issue of making enq

ew procedures.

ordance with Inat we would bopinion.

announcemenn in the interim

the directors; the bility for any chan

financial statement

ts (the "interim016. Based on oe not preparedas adopted by

uthority.

ment of compr

ded;

have been pre European Un

framework th International F

responsibility ofncement in acc

interim results company for thuct Authority ae or to any otheonsent in writin

agements (UK aed by the Auditquiries, primar

nternational Staecome aware o

nt and conside financial statem

work carried outnges that may hav

ts may differ from

financial stateour review, notd, in all materi the European

ehensive incom

repared in accnion and the D

hat has been Financial Repor

f, and has beencordance with

announcemenhe purpose of cnd for no othe

er person to whg.

and Ireland) 24ting Practices Bily of persons r

andards on Auof all significan

ered whether itments.

t by the auditors ve occurred to the

legislation in othe

ements") in thething has comeial respects, in Union and the

me for the

cordance withisclosure Rules

applied in therting Standards

n approved by,the Disclosure

nt based on ourcomplying withr purpose. We

hom this report

410, ‘Review ofBoard for use inresponsible for

diting (UK andnt matters that

t contains any

does not involvee interim financial

er jurisdictions.

e e n e

h s

e s

, e

r h e t

f n r

d t

y

e l

Condense

Barclays PLC

Condense Continuing op

Net interest incNet fee and comNet trading incNet investmentNet premiums Other income

Total income Net claims and

Total income nCredit impairm

Net operating

Staff costs

Administration

Operating exp

(Loss)on dispoimpairment on

Profit before taTax

Profit after tax Profit after tax

Profit after tax Attributable to

Ordinary equityOther equity ho

Total equity hoNon-controllingNon-controlling

Profit after tax Earnings per s

Basic earnings Basic earnings Basic earnings Diluted earning

1 For notes to 2 The profit af

net amount

ed Consolid

C – 2016 Interim

ed consolid

erations

come mmission incomome t income from insurance

d benefits incurre

net of insurancement charges and

income

n and general ex

enses

osal of undertaki assets held for

ax

in respect of co in respect of dis

x

o:

y holders of the olders2

olders of the pag interests in resg interests in res

x

hare

per ordinary sha per ordinary sha per ordinary shags per ordinary s

the Financial Statfter tax attributabl of £150m (H115:

dated Fina

m Results

dated inco

me

contracts

ed on insurance

e claims d other provision

penses

ngs, share of ressale

ntinuing operatscontinued oper

parent:

arent2 spect of continuspect of discont

are2

are in respect oare in respect oshare2

tements see pagesle to other equity h£127m), along wit

ancial State

me statem

contracts

ns

sults of associat

ions rations

uing operations tinued operation

of continuing opeof discontinued o

s 61 to 97. holders of £208m th NCI, is deducted

ements

55

ment (unau

tes & joint ventu

ns

erations operations

(H115: £159m) isd from profit after

udited)

ures, and

offset by a tax cre tax in order to calc

Half

Notes1

2

3

5

4

6

7

7

edit recorded in reculate earnings pe

f year ended H

30.06.16

£m

5,218

3,299

1,545

914

159

17

11,152

(139)

11,013

(931)

10,082

(4,601)

(3,096)

(7,697)

(322)

2,063

(715)

1,348

311

1,659

1,110

208

1,318

186

155

1,659

6.9p

6.0p

0.9p

6.8p

eserves of £58m (Her share.

Half year ended

30.06.15£m

5,190 3,463 2,549

895 188

(7)

12,278 (167)

12,111 (779)

11,332

(4,292)(4,298)

(8,590)

(140)

2,602 (852)

1,750 358

2,108

1,611 159

1,770 173 165

2,108

9.9p8.7p1.2p9.7p

H115: £32m). The

d

5 m

)

)

)

) )

)

)

)

p p p p

e

Condense

Barclays PLC

Condense

Profit after taxProfit after tax Profit after tax

Other comprecontinuing ope

Currency transAvailable for saCash flow hedgOther Other compreh

Other comprehRetirement ben Total comprehTotal compreoperations

Total compreh Attributable to

Equity holders Non-controlling

Total compreh 1 For notes, se

ed Consolid

C – 2016 Interim

ed consolid

x in respect of co in respect of dis

ehensive incomerations:

lation reserve

ale reserve ge reserve

hensive profit/(

hensive loss notnefit remeasurem

hensive income hensive incom

hensive income

o:

of the parent

g interests

hensive income

ee pages 61 to 97.

dated Fina

m Results

dated state

ntinuing operatscontinued oper

me/(loss) that

(loss) that may

t recycled to prments

for the period, me/(loss) for t

for the period

for the period

7.

ancial State

ement of c

ions rations

may be recyc

be recycled to p

ofit or loss:

net of tax from he period, net

ements

56

omprehen

cled to profit

profit or loss

continuing opet of tax from

nsive incom

or loss from

erations

discontinued

me (unaudi

Half

Notes1

17 17 17

14

ited)

f year ended H

30.06.16

£m

1,659

1,348

311

1,789

(311)

1,747

(2)

3,223

(759)

3,812

1,296

5,108

4,358

750

5,108

Half year ended

30.06.15£m

2,108 1,750

358

(228)(295)(613)

41

(1,095)

(94)

561

(35)

526

325 201

526

d

5 m

) ) )

)

)

)

Condense

Barclays PLC

Condense Assets Cash and balanItems in the coTrading portfoFinancial assetDerivative finanFinancial investLoans and advaLoans and advaReverse repurcPrepayments, aInvestments in Property, plantGoodwill Intangible asseCurrent and deRetirement benAssets included

Total assets Liabilities

Deposits from Items in the coCustomer accoRepurchase agTrading portfoFinancial liabilitDerivative finanDebt securitiesSubordinated lAccruals, deferProvisions Current and deRetirement benLiabilities inclu

Total liabilities Equity

Called up shareOther reserves

Retained earnin

Shareholders' Other equity in

Total equity exNon-controlling

Total equity

Total liabilities 1 For notes, se2 Debt securit

ed Consolid

C – 2016 Interim

ed consolid

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

chase agreementaccrued income associates and

t and equipment

ets eferred tax assetnefit assets d in disposal gro

banks

urse of collectioounts reements and olio liabilities ties designated ncial instruments in issue2 iabilities rred income and

eferred tax liabilinefit liabilities uded in disposal

s

e capital and sha

ngs

equity attributanstruments

xcluding non-cog interests

s and equity

ee pages 61 to 97.ties in issue include

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

oups classified a

on due to other b

other similar secu

at fair value ts

d other liabilities

ties

groups classifie

are premium

able to ordinary

ontrolling intere

7. e covered bonds of

ancial State

nce sheet

anks

milar secured lents

as held for sale

banks

ured borrowing

ed as held for sa

shareholders o

ests

f £12,070m (Dece

ements

57

(unaudited

nding

le

of parent

mber 2015: £12,3

d)

Notes1

10

9

5

14

4

10

12

13

5

14

4

15

17

16

6

00m).

30

7

78

4484

422

6

1,35

6

4323

1144

62

6

1,28

2

3

5

6

6

1,35

As at

0.06.16

£m

76,866

1,101

76,543

88,883

45,180

83,100

48,117

25,326

20,216

2,895

598

2,841

3,921

3,439

4,630

173

67,453

51,282

62,386

784

38,530

25,418

32,643

14,098

42,317

66,172

22,650

7,388

3,988

923

460

64,105

81,862

21,763

5,695

30,082

57,540

5,314

62,854

6,566

69,420

51,282

As at

31.12.15

£m

49,711 1,011

77,348 76,830

327,709 90,267 41,349

399,217 28,187

3,010 573

3,468 4,605 3,617 4,910

836 7,364

1,120,012

47,080 1,013

418,242 25,035 33,967 91,745

324,252 69,150 21,467 10,610

4,142 1,025

423 5,997

1,054,148

21,586 1,898

31,021

54,505 5,305

59,810 6,054

65,864

1,120,012

t

5

m

Condense

Barclays PLC

Condense

Half year ende

Balance at 1 JaContinuing opProfit after tax

Currency transAvailable for saCash flow hedgRetirement benOther Total comprehcontinuing opeTotal comprehdiscontinued oTotal comprehIssue of new orIssue of sharesOther equity inRedemption ofTreasury shareDividends paidNet equity impOther reserve m

Balance at 30 J Half year ende

Balance at 1 JuContinuing opLoss after tax

Currency transAvailable for saCash flow hedgRetirement benOther Total comprehcontinuing opeTotal comprehdiscontinued oTotal comprehIssue of new orIssue of sharesIssue and exchOther equity inRedemption ofTreasury shareDividends paidOther reserve m

Balance at 31 D

1 Details of Sh2 Details of No3 Details of pa

ed Consolid

C – 2016 Interim

ed consolid

ed 30.06.16

anuary 2016 erations

lation movemenale investments ges nefit remeasurem

ensive income nerations ensive income n

operations hensive income rdinary shares

s under employenstruments coupf preference shaes act of partial BAmovements

June 2016

ed 31.12.2015

uly 2015

erations

lation movemenale investments ges nefit remeasurem

ensive income nerations ensive loss net o

operations hensive loss for rdinary shares

s under employeange of equity i

nstruments coupf preference shaes

movements

December 2015

hare capital, Other on-controlling Inteartial BAGL disposa

dated Fina

m Results

dated state

nts

ments

net of tax from

net of tax from

for the year

ee share schemepons paid res

AGL disposal3

nts

ments

net of tax from

of tax from

the year

ee share schemenstruments

pons paid res

5

r equity instrumenterests are shown oal are shown on pa

ancial State

ement of cCall

share cand prem

21

es

21

21

es

21

ts and Other reservn page 66. age 64.

ements

58

hanges in ed up apital share

mium1 Other e

instrume£m

1,586 5

- - - - - - -

-

- 28

149 - (- - - - -

1,763 5

1,523 4

- - - - - - -

-

- 19 44

- - (- - - -

1,586 5

ves are shown on p

equity (un

quity ents1

Othereserves

£m £m

,305 1,898

208

- 1,788- (311- 1,747-

-

208 3,224

- 578

208 3,802-

-

(208)

-

- (5-

-

9

,314 5,695

,325 1,334

186

- 975- 66- 120-

-

186 1,161

- (611

186 550-

-

995

(186)

-

- 14-

(15)

,305 1,898

page 81 to 82.

naudited)

er s1

Retained earnings

m £m

8 31,021

- 954

8 -

1) -

7 -

- (759)

- (3)

4 192

8 156

2 348

- -

- 226

- 58

- (253)

5) (384)

- (588)

- (349)

- 3

5 30,082

4 32,099

- (2,114)

5 -

6 -

0 -

- 1,010

- (21)

1 (1,125)

1) 109

0 (1,016)

- -

- 268

- -

- 38

- -

4 (49)

- (335)

- 16

8 31,021

Total contr

inter£m

59,810 6

1,162 1,788 (311)

1,747 (759)

(3) 3,624

734

4,358 28

375 (150) (253) (389) (588) (349)

12

62,854 6

59,281 6

(1,928) 975

66 120

1,010 (21) 222

(502)

(280) 19

312 995

(148) -

(35) (335)

1

59,810 6

Non-olling rests2

Totalequity

£m £m

6,054 65,864

186 1,348 1 1,789 - (311)- 1,747 - (759)1 (2)

188 3,812

562 1,296

750 5,108 - 28 - 375 - (150)

(550) (803)- (389)

(280) (868)601 252

(9) 3

6,566 69,420

6,294 65,575

175 (1,753)1 976 - 66 - 120 - 1,010 1 (20)

177 399

(186) (688)

(9) (289)- 19 - 312 - 995 - (148)- - - (35)

(251) (586)20 21

6,054 65,864

l y

m

)

)

)

)

)

)

)

)

)

)

)

)

)

)

Condense

Barclays PLC

Condense

Half year endeBalance at 1 JaContinuing opProfit after tax

Currency transAvailable for saCash flow hedgRetirement benOther Total comprehcontinuing opeTotal comprehdiscontinued oTotal comprehIssue of new orIssue of sharesIssue and exchOther equity inRedemption ofTreasury shareDividends paidOther reserve m

Balance at 30 J 1 Details of Sh2 Details of No

ed Consolid

C – 2016 Interim

ed consolid

ed 30.06.15

anuary 2015

erations

lation movemenale investments ges nefit remeasurem

ensive income nerations ensive loss net o

operations hensive income rdinary shares

s under employeange of equity i

nstruments coupf preference shaes

movements

June 2015

hare capital, Other on-controlling Inte

dated Fina

m Results

dated state

nts

ments

net of tax from

of tax from

for the year

ee share schemenstruments

pons paid res

r equity instrumenterests are shown o

ancial State

ement of cCall

share cand prem

20

es

21

ts and Other reservn page 66.

ements

59

hanges in ed up apital share

mium1 Other e

instrume£m

0,809 4

- - - - - - -

-

- 118 596

- - (- - - -

1,523 4

ves are shown on p

equity (un

quity ents1

Othereserves

£m £m

,322 2,724

159

- (228- (295- (613-

-

159 (1,136

- (256

159 (1,392-

-

-

(159)

-

- 2-

3

,325 1,334

page 81 to 82.

naudited)

er s1

Retained earnings

m £m

4 31,712

- 1,418

8) -

5) -

3) -

- (94)

- 41

6) 1,365

6) 193

2) 1,558

- -

- 303

- -

- 32

- -

2 (706)

- (746)

- (54)

4 32,099

Total contr

inter£m

59,567 6

1,577 (228) (295) (613)

(94) 41

388

(63)

325 118 899

- (127)

- (704) (746)

(51)

59,281 6

Non-olling rests2

Totalequity

£m £m

6,391 65,958

173 1,750 - (228)- (295)- (613)- (94)- 41

173 561

28 (35)

201 526 - 118 - 899 - - - (127)- - - (704)

(301) (1,047)3 (48)

6,294 65,575

l y

m

)

)

)

)

)

)

)

)

)

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

Net cash from

Effect of excha

Net increase/

Cash and cash

Cash and cash

ed Consolid

C – 2016 Interim

ed consolid

erations

ax

r non-cash item

erating assets an

ome tax paid

operating activ

investing activit

financing activit

discontinued op

nge rates on cas

(decrease) in ca

equivalents at b

h equivalents at

dated Fina

m Results

dated cash

s

nd liabilities

vities

ties

ties

perations

sh and cash equ

ash and cash eq

beginning of the

end of the perio

ancial State

h flow state

uivalents

quivalents

e period

od

ements

60

ement (unaaudited)

Half year ended

30.06.16

£m

2,063

(8,913)

25,129

(394)

17,885

14,376

(1,709)

371

6,897

37,820

86,556

124,376

Half yearended

30.06.15

£m

2,602

3,359

6,360

(756)

11,565

(13,494)

(1,481)

138

25

(3,247)

78,479

75,232

r d

5

m

)

)

)

)

Financial

Barclays PLC

1. Bas

These condenaccordance wFinancial Repbe read in coprepared in a

The accountiare the same

Future acco

IFRS 9 – Fina

IFRS 9 Financperiods beginIFRS 9, in pinstruments.

Barclays has departments.

In respect ofmodels, syste2017.

The classificaimpact and fiin respect of

For further in

Going conce

Having reasseaccounting in

Statement

C – 2016 Interim

sis of prep

nsed consolidwith the Disclporting’, as adoonjunction wi

accordance wit

ing policies an as those used

ounting deve

ncial instrume

cial Instrumentnning on or aftparticular the

a jointly acco.

f the impairmeems, processe

ation and meainalising procehedge accoun

formation on t

rn

essed the prinn preparing the

t Notes

m Results

aration

ated interim filosure and Tropted by the th the annuath Internationa

nd methods ofd in the Barclay

elopments

ents

ts which will rter 1 January 2impairment

untable risk an

ent implemens, governance

surement impesses, governanting is being p

this and other

cipal risks, thee interim finan

inancial statemransparency REuropean Uniol financial staal Financial Re

f computationys 2015 Annua

replace IAS 392018 and is curequirements,

nd finance IFR

tation programe, controls and

plementation pance and contrperformed.

r new standard

e Directors conncial informatio

61

ments for the Rules of the Fon. The condetements for tporting Standa

n used in theseal Report.

Financial Instrrently expect will lead to

RS 9 implemen

mme, during d data collectio

programme is rols in prepara

ds refer to the

nsidered it appon and there a

six months enFinancial Condensed consolidthe year endeards (IFRSs) as

e condensed c

truments: Recoed to be endo significant c

ntation progra

2016 work haon ahead of a

in progress, wation for the pa

Barclays 2015

propriate to adoare no materia

nded 30 June 2duct Authoritydated interim fd 31 Decembs adopted by t

consolidated i

ognition and Mrsed by the EU

changes in th

amme with rep

as continued planned paral

with the focus arallel run in 2

5 Annual Repor

opt the going l uncertainties

2016 have beey and with IASfinancial state

ber 2015, whithe European U

nterim financ

Measurement U in the secondhe accounting

presentation fr

on the designllel run and tes

during 2016 o017. An impac

rt.

concern basiss.

en prepared inS 34, ‘Interim

ements shouldch have beenUnion.

ial statements

is effective ford half of 2016. for financial

rom impacted

n and build ofsting phase in

on quantifyingct assessment

of

n m d n

s

r . l

d

f n

g t

Financial

Barclays PLC

2. Sta

Compensation

Deferred bonusCurrent year boSales commiss

Performance cSalaries Social security Post-retiremenOther compens

Total compens Other resourci

Outsourcing

Redundancy anTemporary stafOther

Total other res

Total staff cost

Total staff co

A reduct

An increarecognisstatutory

An increarestructu

Group compe36% (H115: 2Group compe

No awards haby the Remunthe first six m

Statement

C – 2016 Interim

aff costs

n costs

s charge onus charges ions, commitme

costs

costs nt benefits sation costs

sation costs

ing costs

nd restructuringff costs

sourcing costs

ts

sts increased 7

tion in Group p

ase in post-retsed in the priory provisions

ase in other reuring costs due

ensation costs29%). Excludiensation to net

ave yet been gneration Comm

months represe

t Notes

m Results

ents and other in

g

7% to £4,601m

performance c

tirement benefr period as the

esourcing coste to strategic i

s increased 8%ing post-retiret operating inc

granted in relamittee until thents an accrua

ncentives

m, principally r

costs of 15% to

fits expense to valuation of a

s of 5% to £1,nitiatives anno

% to £3,580mement benefitscome ratio of 3

tion to the 20e performancel for estimated

62

reflecting:

o £797m prim

o £245m due ta component o

021m primariounced for the

m reflecting a s, Group comp33% (H115: 3

16 bonus pooe for the full yed costs in acco

arily reflecting

to the non-recof the defined

ly due to a £19e Investment B

Group compepensation costs1%).

ol as decisions ear can be ass

ordance with a

g lower deferre

urrence of a oretirement ben

97m increase Bank in January

ensation to nets decreased 5%

regarding incesessed. The cuaccounting req

Half year ended

30.06.16

£m

367

387

43

797

2,056

303

245

179

3,580

460

266

250

45

1,021

4,601

ed bonus charg

ne-off £429mnefit liability w

in redundancyy 2016

t operating in% to £3,335m

entive awardsurrent year bonquirements.

Half yearended

30.06.15£m

460 414

63

937 2,098

303 (191)174

3,321

533 69

307 62

971

4,292

ges

gain was aligned to

y and

come ratio ofm resulting in a

are not takennus charge for

r d

5 m

)

f a

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 administ

Total other cos

Total administ

Administratiocustomer redpartially offse

Statement

C – 2016 Interim

ministratio

costs

quipment

f property, plante rentals

of intangible asse property, equip

cture costs

egal and professpublications, sta

vertising and spoommodation ongoing investigUK customer redtration and gene

sts

tration and gene

on and generadress and provet by increases

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 hvisions for ongs in infrastructu

neral expe

t

gible assets

mmunications

ation primarily r

ave decreasedgoing investigaure costs and

63

nses

relating to Foreig

d 28% to £3,ations and litigother administ

gn Exchange

096m attributgation primaritration and ge

table to a decly relating to F

eneral expense

Half year ended

30.06.16

£m

562

242

235

301

82

1,422

539

333

207

68

-

400

127

1,674

3,096

crease in provForeign Excha

es.

Half yearended

30.06.15£m

566 237 183 291

53

1,330

446 366 228

97 790

1,032 9

2,968

4,298

visions for UKange. This was

r d 5

m

K s

Financial

Barclays PLC

4. He

The Group ap

On 1 March intended to bshareholder aBAGL resultinof BAGL’s shawell as Grourecognised un

Assets classifie

Cash and balan

Items in the co

Trading portfo

Financial asset

Derivative finan

Financial invest

Loans and adva

Loans and adva

Prepayments, a

Investments in

Property, plant

Goodwill

Intangible asse

Current and de

Retirement ben

Total

Balance of imp

Total agreed to

Liabilities class

Deposits from

Items in the co

Customer acco

Repurchase ag

Trading portfo

Financial liabilit

Derivative finan

Debt securities

Subordinated l

Accruals, defer

Provisions

Current and de

Retirement ben

Total liabilities

Statement

C – 2016 Interim

ld for sale

pplies IFRS 5 N

2016, Barclaybe to a level and regulatoryng in a transfeare capital. Th

up balances asnder IFRS 5 as

ed as held for sa

nces at central b

urse of collectio

lio assets

s designated at

ncial instrument

tments

ances to banks

ances to custom

accrued income

associates and

t and equipment

ets

eferred tax asset

nefit assets

pairment unalloc

o the consolidat

sified as held fo

banks

urse of collectio

ounts

reements and o

lio liabilities

ties designated

ncial instrument

s in issue

iabilities

rred income and

eferred tax liabili

nefit liabilities

s

t Notes

m Results

assets and

Non-current As

ys announcedwhich will pey approvals if er to non-conthe Barclays Afssociated withs at 30 June 20

ale

banks

on from other ba

fair value

ts

mers

and other asset

joint ventures

t

ts

cated under IFRS

ted balance she

or sale

on due to other b

other similar secu

at fair value

ts

d other liabilities

ties

d discontin

ssets Held for S

d its intention ermit deconso and as requirtrolling interesfrica disposal gh Africa Banki016.

anks

ts

S 5

eet

banks

ured borrowing

64

nued opera

Sale and Disco

to reduce thlidation from red. On 5 Mayts of £601m.

group includesing that are e

ations

ontinued Opera

e Group’s 62an accountin

y 2016 BarclaFollowing this

s all assets andexpected to fo

BarcAf

DispGr

2,

3,

5,

1,

3,4

1,

35,4

4

55,9

55,9

2,

33,4

3,

1,

7,

51,3

ations.

.3% interest ig and regulat

ays sold 12.2%s sale, Barclaysd liabilities of Borm part of th

clays frica

posal roup Oth

£m £

135

548 4

084

265 1,49

676 13

459 2,5

629 24

493 7,4

501

51

727

829

462 10

78 3

32

969 12,13

- (65

969 11,48

853

373 1

475 8,55

345

246

942 3,73

527 1

053

690

735

51

82

19

391 12,7

n BAGL. Thistory perspecti

% of the Grous’ interest reprBAGL and its she sale. No w

As a

30.06.1

her Tota

£m £m

17 2,152

40 588

- 3,084

91 6,756

31 1,807

18 5,977

42 1,87

28 42,92

21 522

22 73

80 807

10 839

04 566

32 110

- 32

36 68,105

52) (652

84 67,453

9 2,862

27 500

56 42,03

- 345

- 246

34 7,676

14 1,64

3 7,056

- 690

70 805

21 72

61 143

19 38

14 64,105

s reduction isve, subject top’s interest inresents 50.1%subsidiaries aswrite down is

at As at

6 31.12.15

al Total

m £m

2 21

8 24

4 -

6 696

7 -

7 1,230

1 74

1 5,513

2 47

3 10

7 128

9 -

6 43

0 22

2 -

5 7,808

2) (444)

3 7,364

2 -

0 74

1 4,000

5 -

6 -

6 1,821

1 3

6 -

0 -

5 39

2 34

3 (7)

8 33

5 5,997

s o n

% s s

t

5

l

m

)

)

Financial

Barclays PLC

The Barclays results, whicoperation on

Barclays Africa

Net interest inc

Net fee and com

Net trading inc

Net investment

Net premiums

Other income

Total income

Net claims and

Total income n

Credit impairm

Net operating

Staff costs

Administration

Depreciation of

Amortisation o

Operating exp

Share of post-t

Profit before ta

Tax

Profit after tax Attributable to

Equity holders

Non-controlling

Profit after tax Other compre

Available for sa

Currency trans

Cash flow hedg

Other compreh

The cash flow

Cash Flows fro

Net cash flows

Net cash flows

Net cash flows

Effect of excha

Net decrease i

Statement

C – 2016 Interim

Africa Disposh have been the face of the

a disposal group

come

mmission incom

ome

t income

from insurance

d benefits incurre

net of insurance

ment charges and

income

n and general ex

f property, plant

of intangible asse

enses

tax results of ass

ax

x

o:

of the parent

g interests

x

ehensive incom

ale assets

lation reserves

ge reserves

hensive income

ws attributed to

om discontinued

from operating

from investing

from financing

nge rates on cas

n cash and cash

t Notes

m Results

sal Group meepresented as e Group incom

p income statem

me

contracts

ed on insurance

e claims

d other provision

penses

t and equipment

ets

sociates and join

me relating to

e, net of tax from

o the discontin

d operations

activities

activities

activities

sh and cash equ

h equivalent

ets the require the profit aft

me statement,

ment

contracts

ns

t

nt ventures

discontinued

m discontinued

nued operation

uivalents

65

ements for prter tax and noare analysed in

operations is a

operations

ns are as follow

resentation ason-controllingn the income s

as follows:

ws:

a discontinueg interest in rstatement belo

ed operation. espect of theow.

Half year

ended

30.06.16

£m

982

479

130

21

164

8

1,784

(87)

1,697

(244)

1,453

(522)

(434)

(38)

(26)

(1,020)

2

435

(124)

311

156

155

311

Half year

ended

30.06.16

£m

1

534

43

578

Half year

ended

30.06.16

£m

(507)

459

(108)

527

371

As such, the discontinued

r d

Half yearended

6 30.06.15

m £m

1,011

541

112

28

163

4

1,859

) (81)

1,778

) (194)

1,584

) (572)

) (437)

) (42)

) (24)

) (1,075)

3

512

) (154)

358

193

165

358

r d

Half yearended

6 30.06.15

m £m

-

(235)

(21)

(256)

r d

Half yearended

6 30.06.15

m £m

) 594

(75)

) (101)

(280)

138

e d

r d

5

m

)

)

)

)

)

)

)

)

r d

5

m

)

)

)

r d

5

m

)

)

)

Financial

Barclays PLC

5.   Tax

Current and de Current tax Deferred tax

Total

The deferred

The tax chareffective tax taxed at highintroduction non-creditabnon-taxable g

6. No

Barclays Bank P

- Preference sh

- Upper Tier 2 i

Barclays Africa

Other non-con

Total

Equity attributhe Group’s sGBP. These in

Statement

C – 2016 Interim

x

eferred tax asse

tax asset of £4

rge for H116 rate is higher

her local statuof a new tax sle taxes. Thesgains and inco

n-controll

PLC Issued:

hares

instruments

Group Limited

ntrolling interests

utable to non-cstake in BAGL increases were

t Notes

m Results

ets and liabilities

4,193m (2015

was £715m ( than the UK

utory tax ratessurcharge of 8se factors, wh

ome.

ing interes

s

controlling intincreasing the partially offse

s

5: £4,495m) m

(2015: £852mstatutory tax

s, provisions fo8% that applies

ich have each

sts

Prof

Halfe

30.0

terest increasee non-controllit by the redem

66

ainly relates to

m), representinrate of 20% (or UK customs to banks’ UK

h increased the

fit Attributable tcontrolling In

f year ended 06.16

Ha

30

£m

182

2

155

2

341

ed by £512m tng interest fro

mption of prefe

Assets

30.06.16 £m

437 4,193

4,630

o amounts in t

ng an effective2015: 20.25%

mer redress beK profits, non-de effective tax

to Non-terests

alf year

ended 0.06.15

£m

172

1

165

-

338

to £6,566m in om 37.6% to 4erence shares

s 31.12.15

£m 415

4,495 4,910

the US and UK

e tax rate of %) primarily du

ing non-dedudeductible exp rate, are part

As at

June 2016 dri9.9% and the issued by Barc

Liabi

30.06.16 £m

(886) (37)

(923)

.

34.7% (2015:ue to profits octible for tax

penses and losially offset by

Equity Attribcontr

t 30.06.16

£m

3,104

486

2,964

12

6,566

iven by the saappreciation o

clays Bank PLC

lities 31.12.15

£m

(903)(122)

(1,025)

: 32.7%). Theoutside the UK

purposes, thesses as well as the impact of

butable to Non-rolling Interests

As at 31.12.15

£m

3,654

486

1,902

12

6,054

le of 12.2% ofof ZAR againstC.

5 m

) )

)

e K e s f

-s

5

m

f t

Financial

Barclays PLC

7. Ear

Profit attributaTax credit on pTotal profit attroperations

Continuing opProfit attributaTax credit on pProfit attributa

Discontinued oProfit attributaDilutive impactProfit attributaconvertible opt Profit attributadilutive impact

Basic weightedNumber of potDiluted weight Basic earnings Basic earnings Basic earnings Diluted earningDiluted earningDiluted earning

1 The profit af

net amount

Statement

C – 2016 Interim

rnings per

ble to ordinary eprofit after tax atributable to ordi

erations ble to ordinary e

profit after tax atble to equity ho

operations ble to ordinary et of convertible oble to equity hotions

ble to equity hot on convertible

d average numbeential ordinary sed average num

per ordinary sha per ordinary sha per ordinary shags per ordinary sgs per ordinary sgs per ordinary s

fter tax attributabl of £150m (H115:

t Notes

m Results

share

equity holders ottributable to othinary equity hold

equity holders ottributable to othlders of the pare

equity holders ooptions from dislders of the pare

lders of the pareoptions

er of shares in isshares

mber of shares

are1

are from continuare from discontshare1

share from contshare from disco

le to other equity h£127m), along wit

f the parent fromher equity holdeders of the paren

f the parent fromher equity holdeent from continu

f the parent fromscontinued operent from discont

ent from continu

ssue

uing operationstinued operation

inuing operationontinued operat

holders of £208m th non-controlling

67

m continuing aners nt from continu

m continuing opers uing operations

m discontinued rations tinued operation

uing and discont

1

ns

ns1

ions

(H115: £159m) isg interests (NCI) is d

nd discontinued

ing and disconti

perations

operations

ns including dilu

tinued operation

s offset by a tax crdeducted from pro

operations

inued

utive impact on

ns including

redit recorded in reofit after tax in ord

Half year ended

30.06.16 £m

1,110 58

1,168

954 58

1,012

156 (2)

154

1,166

Half year

ended 30.06.16 millions 16,859

182 17,041

p

6.9 6.0 0.9 6.8 5.9 0.9

eserves of £58m (Hder to calculate ear

Half yearended

30.06.15 £m 1,611 32 1,643

1,418 32 1,450

193 - 193

1,643

Half yearended

30.06.15 millions 16,678 345 17,023 p 9.9 8.7 1.2 9.7 8.6 1.1

(H115: £32m). Thernings per share.

r d 5

m

r d 5 s

p

e

Financial

Barclays PLC

8. Div

It is Barclays 2016, an inte2016.

Dividends paid

Final dividend p

Interim dividen

  

9. Fin

Available for sa

Debt securitie

Equity securit

Held to maturit

Financial inves 

In June 2016 order to reflec

Statement

C – 2016 Interim

vidends on

policy to declerim dividend f

d during the per

paid during peri

nd paid during p

nancial inve

ale investments

es and other elig

ies

ty investments

stments

£5.0bn of UK Gct the intentio

t Notes

m Results

n ordinary s

are and pay dfor 2016 of 1p

riod

od

eriod

estments

ible bills

Gilts previousln with these a

shares

dividends on a p (H115: 2p) p

y classified as assets.

68

semi-annual er ordinary sh

available for s

basis. The Bohare to shareho

Half year en

Per share

p

3.5

-

sale investmen

oard has decidolders on the s

ded 30.06.16

Total

£m

588

-

nts, were reclas

ed to pay on share register

Half year e

Per share

p

3.5

1.0

As at

30.06.16

£m

77,617

476

5,007

83,100

ssified to held

19 September on 12 August

ended 30.06.15

Total

£m

578

168

As at

31.12.15

£m

89,278

989

-

90,267

to maturity in

r t

5

l

m

t

5

m

Financial

Barclays PLC

10. De

As at 30.06.16

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 31.12.15

Foreign exchan

Interest rate de

Credit derivativ

Equity and stoc

Derivative asse

Derivatives in

Derivatives des

Derivatives des

Derivatives des

Derivative asse

Total recognis Derivative asforward inter

The IFRS nettbe £405bn (2counterparty £413bn (201addition, nonplaced in resinclude over-

Of the £50bnincluded in cadvances to b

Statement

C – 2016 Interim

erivative fin

6

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

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

sets increasedrest rates and f

ting posted ag2015: £295bn) or for which t

15: £295bn) ln-cash collaterspect of derivacollateralisatio

n cash collateracustomer accobanks and £39

t Notes

m Results

nancial ins

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

ting Relationshi

h flow hedges

value hedges

ges of net invest

designated in h

ssets/(liabilities

d by £117bn tforeign exchan

gainst derivativ) lower than rethe Group holower reflectinral of £9bn (2ative liabilitieson.

al held, £32bnounts. Of the 9bn (2015: £22

struments

tives

g

ps

tments

edge accountin

s)

tives

g

ps

tments

edge accountin

s)

to £445bn primnge derivatives

ve assets and eported under lds cash collat

ng counterpar2015: £7bn) w. Collateral a

n (2015: £28bn £58bn cash 2bn) was inclu

69

ng relationships

ng relationships

marily due to s due to appre

liabilities was IFRS if nettingteral of £50bnrty netting anwas held in resamounts are li

n) was includecollateral plac

uded in loans a

3

36

s

37

2

29

s

29

interest rate dciation of majo

£18bn (2015:g were permitt (2015: £35bnd cash collatespect of derivaimited to net

ed in deposits ced, £19bn (2and advances t

Contract Notional Amount

£m

3,854,750

1,034,871

1,015,204

960,565

6,865,390

145,925

156,516

7,286

309,727

7,175,117

3,224,714

4,485,126

948,646

778,616

9,437,102

163,386

151,264

1,955

316,605

9,753,707

derivatives refor currencies a

: £8bn). Derivated for assets n). Similarly, deral placed ofative assets aon balance sh

from banks an2015: £13bn) to customers.

Fair V

Assets

£m

72,692

332,937

16,326

22,262

444,217

509

438

16

963

445,180

54,798

230,627

18,181

23,166

326,772

300

637

-

937

327,709

flecting a decragainst GBP.

ative asset expand liabilities werivative liabilf £58bn (201nd £7bn (201heet exposure

nd £18bn (201was included

Value

Liabilities

£m

(75,487)

(323,622)

(14,560)

(27,031)

(440,700)

(7)

(1,032)

(578)

(1,617)

(442,317)

(58,709)

(220,732)

(16,624)

(27,723)

(323,788)

(115)

(296)

(53)

(464)

(324,252)

rease in major

posures wouldwith the sameities would be5: £35bn). In5: £5bn) was

e so as to not

15: £7bn) was in loans and

s

m

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

r

d e e n s t

s d

Financial

Barclays PLC

11. Fai

This section sprovides morvaluation conadopted or th Valuation The following(fair value hie

As at 30.06.16

Trading portfo

Financial asset

Derivative finan

Available for sa

Investment pro

Assets included

Total assets

Trading portfo

Financial liabilit

Derivative finan

Liabilities inclu

Total liabilities

As at 31.12.15

Trading portfo

Financial asset

Derivative finan

Available for sa

Investment pro

Assets included

Total assets

Trading portfo

Financial liabilit

Derivative finan

Liabilities inclu

Total liabilities

1 Assets and ldispose of BA

Statement

C – 2016 Interim

ir value of

should be readre detail about ntrol frameworhe valuation m

g table shows terarchy) and b

6

lio assets

s designated at

ncial instrument

ale investments

operty

d in disposal gro

lio liabilities

ties designated

ncial instrument

ded in disposal g

s

5

lio assets

s designated at

ncial instrument

ale investments

operty

d in disposal gro

lio liabilities

ties designated

ncial instrument

ded in disposal g

s

liabilities where thAGL and the Italia

t Notes

m Results

assets and

d in conjunctio accounting pork which gove

methodologies

the Group’s asalance sheet c

fair value

ts

oups classified a

at fair value

ts

groups classified

fair value

ts

oups classified a

at fair value

ts

groups classified

he carrying value isn and French retai

d liabilities

on with Note 1olicies adoptedrns oversight oused.

ssets and liabilclassification:

as held for sale1

d as held for sale

as held for sale1

d as held for sale

s lower than the fail business.

70

8 Fair value ofd, valuation mof valuations. T

lities that are h

Quotemarkeprice

(Level 1

£m

31,714

3,805

6,024

32,906

-

6,261

80,710

(18,643

(266

(5,501

e1 (408

(24,818

£m

36,676

6,163

6,342

42,552

-

26

91,759

(23,978

(240

(5,450

e1 (1,024

(30,692

fair value are repor

f assets and liamethodologies

There have be

held at fair valu

Valuation tech

d et es Observable

) (L

m

4 4

5

4 43

6 4

-

1

0 59

3) (1

6) (11

) (43

8)

8) (56

m

6 3

3 5

2 3

2 4

-

6

9 45

8)

0) (9

0) (31

4)

2) (41

rted in the amortis

abilities of the used in calculaen no changes

ue disaggregat

hnique using

e inputs

Sunob

Level 2)

£m

40,007

74,065

32,385

44,729

-

6,873

98,059

14,000)

12,914)

30,510)

(5,416)

62,840)

£m

35,725

52,909

15,949

46,693

-

8

51,284

(9,989)

90,203)

14,033)

(802)

15,027)

sed cost table. Th

2015 Annual Rating fair values in the accou

ted by valuatio

ignificant bservable

inputs

(Level 3)

£m

4,822

11,013

6,771

458

86

7,424

30,574

-

(918)

(6,306)

(8,525)

(15,749)

£m

4,947

17,758

5,418

1,022

140

7,330

36,615

-

(1,302)

(4,769)

(4,171)

(10,242)

e increase is due t

Report, which e and the nting policies

on technique

Total

£m

76,543

88,883

445,180

78,093

86

20,558

709,343

(32,643)

(114,098)

(442,317)

(14,349)

(603,407)

£m

77,348

76,830

327,709

90,267

140

7,364

579,658

(33,967)

(91,745)

(324,252)

(5,997)

(455,961)

to the intention to

l

m

)

)

)

)

)

m

)

)

)

)

)

o

Financial

Barclays PLC

The following(fair value hie

As at 30.06.16

Interest rate de

Foreign exchan

Credit derivativ

Equity derivativ

Commodity deGovernment andebt

Corporate debtCertificates of dand other monReverse repurcagreements

Non-asset back

Asset backed s

Commercial re

Issued debt

Equity cash pro

Funds and fund

Physical comm

Assets and liab

Other1

Total As at 31.12.15

Interest rate de

Foreign exchan

Credit derivativ

Equity derivativ

Commodity deGovernment andebt

Corporate debtCertificates of dand other monReverse repurcagreements

Non-asset back

Asset backed s

Commercial re

Issued debt

Equity cash pro

Funds and fund

Physical comm

Assets and liab

Other1

Total

1 Other includ

Statement

C – 2016 Interim

g table shows terarchy) and p

6

erivatives

nge derivatives

ves

ves

erivatives nd government

t deposit, comme

ney market instruchase and repurc

ked loans

securities

al estate loans

oducts

d linked product

modities

bilities held for sa

5

erivatives

nge derivatives

ves

ves

erivatives nd government

t deposit, comme

ney market instruchase and repurc

ked loans

securities

al estate loans

oducts

d linked product

modities

bilities held for sa

des private equity in

t Notes

m Results

the Group’s asproduct type:

m

sponsored

ercial paper uments chase

ts

ale

sponsored

ercial paper uments chase

ts

ale

nvestments, asset

ssets and liabil

Valuatio

Quoted

market prices (Level 1)

£m

-

-

-

3,382

2,642

40,472

158

-

-

-

-

-

-

27,790

-

-

6,261

5

80,710

-

2

-

3,830

2,510

55,150

352

82

-

-

-

-

-

29,704

-

87

26

16

91,759

t backed loans and

71

lities that are h

Assets

on technique us

Observable inputs

(Level 2) £m

329,870

72,938

14,152

10,567

4,858

60,640

12,366

778

72,770

2,894

2,603

-

-

5,439

292

8

6,873

1,011

598,059

228,751

54,839

16,279

9,279

6,801

52,967

11,598

503

49,513

1,931

12,009

-

-

4,038

1,649

156

8

963

451,284

d investment prope

held at fair valu

sing

Significant unobservable

inputs (Level 3)

£m

3,689

95

2,174

756

57

285

3,198

-

-

9,959

671

590

-

186

290

-

7,424

1,200

30,574

2,675

95

1,902

690

56

419

2,895

-

-

16,828

770

551

-

171

378

-

7,330

1,855

36,615

erty.

ue disaggregat

Valua

Quoted market prices

(Level 1) £m

-

-

-

(2,897)

(2,604)

(9,975)

(227)

-

-

-

-

-

-

(8,707)

-

-

(408)

-

(24,818)

-

(4)

-

(2,870)

(2,576)

(15,036)

(234)

(5)

-

-

-

-

-

(8,943)

-

-

(1,024)

-

(30,692)

ted by valuatio

Liabilities ation technique

Observableinputs

(Level 2) £m

(320,778)

(76,016)

(14,326)

(14,419)

(4,971)

(9,422)

(3,150)

(7,207)

(74,946)

-

(627)

-

(30,075)

(940)

(239)

(106)

(5,416)

(202)

(562,840)

(218,864)

(58,594)

(16,405)

(14,037)

(6,133)

(5,474)

(4,558)

(6,955)

(50,838)

-

(384)

-

(29,695)

(221)

(1,601)

-

(802)

(466)

(415,027)

on technique

using

Significantunobservable

inputs(Level 3)

£m

(3,798)

(134)

(234)

(1,736)

(404)

-

-

(272)

-

-

(67)

-

(354)

-

(31)

-

(8,525)

(194)

(15,749)

(2,247)

(196)

(219)

(1,545)

(562)

(1)

(15)

(382)

-

-

(37)

-

(546)

-

(148)

-

(4,171)

(173)

(10,242)

t e s )

m

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

)

Financial

Barclays PLC

Assets and lia

There were nderivatives fro

Level 3 move

The followingand includes the period. Tr

Assets and liavalue on a no

Asset and liabactivity relateas Level 3 if a

During the peof LOBO term

Statement

C – 2016 Interim

abilities reclas

no transfers dom Level 1 to

ement analysis

g table summa amounts for aransfers have b

abilities includon-recurring ba

bility moves beed to an input oan unobservab

eriod, £8.1bn oms on the ESHL

t Notes

m Results

ssified betwee

during the perLevel 2).

s

arises the movall financial asbeen reflected

ded in disposaasis.

etween Level 2or ii) a change

ble input is dee

of non-asset bLA loans. The n

en Level 1 and

riod (2015: £5

vements in thesets and liabil

d as if they had

al groups class

2 and Level 3 ae in the significmed significan

acked loans mnew restructu

72

d Level 2

537m assets

e Level 3 balanities that are h

d taken place a

sified as held f

are primarily dcance of the unnt.

moved out of fared loans will b

and £801m li

nce during the held at fair valuat the beginnin

for sale are no

ue to i) an incnobservable in

air value Level be measured o

iabilities of eq

period. The taue transferred

ng of the year.

ot included as

rease or decrenput, with asse

3 assets. This on an amortise

quity and fore

able shows gad to and from L

s these are me

ease in observaets and liabilitie

was due to thed cost basis.

eign exchange

ins and lossesLevel 3 during

easured at fair

able market es classified

he restructure

e

s g

r

Financial

Barclays PLC

Government andgovernment spondebt

Corporate debt

Asset backed sec

Non-asset backeFunds and fund lproducts

Other Trading portfolioassets

Commercial real loans

Non-asset backeloans1

Asset backed loaPrivate equity investments

Other Financial assets designated at fai

Government andgovernment spondebt

Other Available for saleinvestments

Investment prop

Certificates of decommercial papeother money market instruments

Issued debt

Other Financial liabilitiedesignated at fai

Interest rate deriv

Credit derivatives

Equity derivatives

Commodity derivForeign exchangederivatives Net derivative fininstruments2

Total

1 The £1.7bn

derivative in2 The derivati

derivative fin

Statement

C – 2016 Interim

As 01.01.1

£ nsored

320

2,882

curities 743

d loans 507

inked 340

155

o 4,947

estate 549

d 16,256

ans 256

510

187

ir value 17,758

nsored

94

928

e 1,022

perty 140

eposit,

er and (383

(565

(354

es ir value

(1,302

vatives 428

s 1,683

s (855

vatives (506

e (10

nancial 649

23,214

trading income (Juterest rate hedgesve financial instrunancial liabilities ar

t Notes

m Results

at 16 Purchases

m £m 0 -

2 66

3 56

7 116

0 -

5 7

7 245

9 785

6 -

6 20

0 21

7 4

8 830

4 -

8 11

2 11

0 -

3) -

5) -

4) -

2) -

8 (36)

3 10

5) 61

6) 5

1) -

9 40

4 1,126

une 2015: £0.9bn s. uments are represe

re £6,306m (June 2

Sales Iss

£m (34)

(20)

(230)

(275)

(47)

(22)

(628)

(779)

(297)

(203)

(102)

(110)

(1,491)

(94)

(528)

(622)

(57)

- (

-

-

- (

(22)

(4)

- (8

-

-

(26) (8

(2,824) (9

loss) on the ESHLA

ented on a net ba2015: £3,280m).

73

ues Settlements

£m £m - -

- (104)

- (12)

- -

- (286)

- (68)

- (470)

- (10)

- (8,111)

- (17)

- (1)

- (5)

- (8,144)

- -

- (23)

- (23)

- -

17) 114

- 203

- 113

17) 430

- (189)

- (10)

82) 51

- 48

- (44)

82) (144)

99) (8,351)

A loan portfolio is

sis. On a gross ba

Total gains and loin the period

recognised in tincome stateme

Trading income in

£m (1)

367

71

(29)

296

10

714

45

1,695

25

5

(23)

1,747

-

-

-

-

-

8

(26)

(18)

(77)

264

(131)

61

11

128

2,571

offset by a £2.1bn

asis, derivative fina

osses d the ent

Total gains or losses

recognised in OCI

Other ncome

£m £m - -

- -

- -

- -

- -

- -

- -

- -

- -

- -

85 -

110 -

195 -

- -

6 41

6 41

3 -

(19) -

- -

(2) -

(21) -

- -

- -

- -

- -

- -

- -

183 41

n loss (June 2015:

ancial assets are £

Transfers

In

£m -

18

43

18

-

1

80

-

82

-

4

70

156

-

30

30

-

(29)

-

(61)

(90)

(187)

(3)

(50)

25

20

(195)

(19)

£0.8bn gain) on t

£6,771m (June 20

As at30.06.16Out

£m £m - 285

(11) 3,198

- 671

(3) 334

(13) 290

(39) 44

(66) 4,822

- 590

- 9,625

- 81

- 522

(38) 195

(38) 11,013

- -

(7) 458

(7) 458

- 86

62 (272)

- (354)

38 (292)

100 (918)

(26) (109)

- 1,940

26 (980)

20 (347)

75 (39)

95 465

84 15,926

the related Level 2

15: £3,607m) and

t 6

m

)

)

)

)

)

)

)

)

2

d

Financial

Barclays PLC

Government andgovernment spondebt

Corporate debt

Asset backed sec

Non-asset backeFunds and fund lproducts

Other

Trading portfolio

Commercial real loans

Non-asset backe

Asset backed loaPrivate equity investments

Other Financial assets designated at fai

Asset backed secGovernment andgovernment spondebt

Other Available for saleinvestments

Investment prop

Trading portfolioliabilities

Certificates of decommercial papeother money marinstruments

Issued debt

Other

Financial liabilitiedesignated at fai

Interest rate deriv

Credit derivatives

Equity derivatives

Commodity derivForeign exchangederivatives

Net derivative fininstruments2

Total

1 The £1.7bn derivative in

2 The derivatiderivative fin

Statement

C – 2016 Interim

A01.01

nsored

68

3,02

curities 1,61

d loans 27

inked 58

14

o assets 6,32

estate 1,17

d loans1 17,47

ans 39

70

16

ir value 19,90

curities

nsored

32

98

e 1,31

perty 20

o (34

eposit, er and rket

(6

(7

(4

es ir value

(1,8

vatives (1

s 1,55

s (8

vatives (1

e (

nancial 42

26,01

trading income (Juterest rate hedgesve financial instrunancial liabilities ar

t Notes

m Results

s at.15 Purchases

£m £m85 27

26 112

10 1,305

73 171

89 -

44 71

27 1,686

79 1,538

71 -

93 470

01 72

61 2

05 2,082

1 -

27 195

85 11

13 206

07 -

49) -

66) -

48) -

02) -

16) -

05) -

57 276

45) 138

52) -

30) -

25 414

12 4,388

une 2015: £0.9bn s. uments are represe

re £6,306m (June 2

Sales Issues

£m £m(28) -

(66) -

(1,274) -

(217) -

(7) -

(15) -

(1,607) -

(1,916) -

- -

(444) -

(110) -

(4) -

(2,474) -

- -

(203) -

(32) -

(235) -

(65) -

- -

- (35)

- (1)

- -

- (36)

(4) -

(12) -

- (352)

- -

(1) (3)

(17) (355)

(4,398) (391)

loss) on the ESHLA

ented on a net ba2015: £3,280m).

74

s Settlements

Tth

m £m (2)

-

(549)

(3)

(32)

(9)

(595)

(185)

(364)

-

(2)

-

(551)

-

-

-

-

-

-

) -

) 130

-

) 130

(46)

(6)

) 96

8

) 25

) 77

) (939)

A loan portfolio is

sis. On a gross ba

Total gains and losshe period recognisthe income statem

Tradingincome

Oinc

£m(12)

53

60

(12)

(50)

(2)

37

(6)

(925)

6

2

(10)

(933)

-

-

-

-

-

-

-

22

(7)

15

18

(321)

101

16

9

(177)

(1,058)

offset by a £2.1bn

asis, derivative fina

ses in ed in

ment

Total gains or losses

recognised in OCI Other

come

£m £m - -

- -

- -

- -

- -

- -

- -

- -

- -

- -

(22) -

2 -

(20) -

- -

- 3

499 17

499 20

14 -

- -

(9) -

- -

56 -

47 -

- -

- -

- -

- -

- -

- -

540 20

n loss (June 2015:

ancial assets are £

Transfers

In

£m15

2

56

-

20

-

93

-

-

-

-

-

-

-

-

19

19

-

(14)

(397)

(163)

-

(560)

(40)

(11)

(30)

(241)

(21)

(343)

(805)

£0.8bn gain) on t

£6,771m (June 20

As at30.06.15Out

£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 (858)

15 (745)

10 (343)

274 (1,946)

138 (39)

- 1,483

18 (874)

123 (246)

24 3

303 327

649 24,018

the related Level 2

15: £3,607m) and

t 5

m

)

)

)

)

)

)

)

)

2

d

Financial

Barclays PLC

Unrealised g

The followingliabilities held

Trading portfo

Financial asset

Available for sa

Investment pro

Financial liabilit

Net derivative f

Total

Valuation te Sensitivity anreasonably potechniques usalternative m Current year vand liabilities

Statement

C – 2016 Interim

gains and los

g table disclosed at fair value a

lio assets

s designated at

ale investments

operty

ties designated

financial instrum

echniques an

alysis is perforossible alternased, as well asodels.

valuation and in the 2015 A

t Notes

m Results

sses on Leve

es the unrealisat the period e

fair value

at fair value

ments

nd sensitivity

rmed on produative valuationss the availabilit

sensitivity meAnnual Report.

el 3 financial

sed gains and nd.

Incom

Tradinco

4

7

(

1

1,2

y analysis

ucts with signis. The sensitivty and reliabilit

ethodologies a

75

assets and l

losses recogn

As at 30

me statement

ding ome

Other income

£m £m

400 -

764 166

- 33

- 3

(24) (17)

10 -

250 185

ificant unobseity methodolo

ty of observabl

re consistent w

iabilities

ised in the per

.06.16

Other compre- hensive income T

£m

- 4

- 9

41

-

- (

- 1

41 1,

ervable inputs (ogies applied tale proxy and h

with those des

riod arising on

Total

Income st

Trading income

£m £m

400 (55)

930 (763)

74 -

3 -

(41) 16

110 (267)

476 (1,069)

(Level 3) to geake account ofistorical data a

scribed within

Level 3 financ

As at 30.06.

tatement O

comheninc

Other income

£m

-

(70)

470

(8)

50

-

442

enerate a rangef the nature ofand the impac

Note 18 Fair v

cial assets and

15

Other mpre- nsive come Total

£m £m

- (55)

- (833)

42 512

- (8)

- 66

- (267)

42 (585)

e of f valuation ct of using

value of assets

d

l

m

)

)

)

)

)

Financial

Barclays PLC

Sensitivity ana

Product type

As at 30.06.16

Interest rate de

Foreign exchan

Credit derivativ

Equity derivativ

Commodity deGovernment ansponsored deb

Corporate debtCertificates of dpaper and otheinstruments

Non-asset back

Asset backed s

Commercial re

Issued debt

Equity cash pro

Funds and fund

Other1

Total2

As at 31.12.15

Interest rate de

Foreign exchan

Credit derivativ

Equity derivativ

Commodity deGovernment ansponsored deb

Corporate debtCertificates of dpaper and otheinstruments

Non-asset back

Asset backed s

Commercial re

Issued debt

Equity cash pro

Funds and fund

Other1

Total2 1 Other includ2 Assets and li

Statement

C – 2016 Interim

alysis of valuatio

6

erivatives

nge derivatives

ves

ves

erivatives nd government

bt

t deposit, commeer money marke

ked loans

securities

al estate loans

oducts

d linked product

5

erivatives

nge derivatives

ves

ves

erivatives nd government

bt

t deposit, commeer money marke

ked loans

securities

al estate loans

oducts

d linked product

des private equity inliabilities included i

t Notes

m Results

ons using unobs

ercial et

ts

ercial et

ts

nvestments, asset in disposal groups

servable inputs

Fair value

Total assets

£m

3,689

95

2,174

756

57

285

3,198

-

9,959

671

590

-

186

290

1,200

23,150

2,675

95

1,902

690

56

419

2,895

-

16,828

770

551

-

171

378

1,855

29,285

t backed loans ands classified as held

76

e

Total liabilities

£m

(3,798)

(134)

(234)

(1,736)

(404)

-

-

(272)

-

(67)

-

(354)

-

(31)

(194)

(7,224)

(2,247)

(196)

(219)

(1,545)

(562)

(1)

(15)

(382)

-

(37)

-

(546)

-

(148)

(173)

(6,071)

d investment prope for sale are not in

Favourable

Income statement

£m

101

15

61

178

8

1

9

-

1,103

2

2

-

-

6

247

1,733

93

17

66

167

13

4

10

-

1,581

1

24

-

-

1

154

2,131

erty. cluded as these ar

changes

Equity £m

-

-

-

-

-

-

-

-

-

-

-

-

5

-

57

62

-

-

-

-

-

-

1

-

-

-

-

-

17

-

318

336

re measured at fair

Unfavourab

Income statement

£m

(110)

(15)

(57)

(194)

(8)

(1)

(4)

-

(1,140)

(1)

(2)

-

-

(6)

(244)

(1,782)

(103)

(17)

(96)

(185)

(13)

(4)

(5)

-

(1,564)

(1)

(1)

-

-

(1)

(172)

(2,162)

r value on a non-re

ble changes

Equity £m

-

-

-

-

-

-

-

-

-

-

-

-

(5)

-

(65)

(70)

-

-

-

-

-

-

(1)

-

-

-

-

-

(17)

-

(53)

(71)

recurring basis.

y m

)

)

)

)

)

Financial

Barclays PLC

Significant u

The valuationas Level 3 aresignificant unassets or liabof the 2015 Athese are mea

Fair value a Key balance s

Bid-offer valuat

Other exit adju

Uncollateralise

Derivative cred

- Monolines

- Other derivat

Derivative debi

 

Uncollate

Credit Va

Debit Va

Portfolio ex The Group usassets and liaasset) for a porderly transathe Group mewould price t Unrecognis The amount tvalue at initiaused on initia£35m) and £5 Third party Structured anFederal Depobanks pay forunder the IASbrokered cert

Statement

C – 2016 Interim

unobservabl

n techniques ae consistent wnobservable inilities to increa

Annual Report.asured at fair v

djustments

sheet valuation

tion adjustment

ustments

d derivative fund

dit valuation adj

tive credit valuat

t valuation adju

eralised deriva

aluation Adjus

aluation Adjust

xemption

ses the portfoliabilities. Instruarticular risk eaction betweeneasures the faihe net risk exp

ed gains as a

that has yet toal recognition)al recognition, 5m (2015: £31

credit enhan

nd brokered cesit Insurance r deposit insuraS 39 fair value tificates of dep

t Notes

m Results

le inputs

nd significant ith Note 18 Faputs and the s

ases in signific. Assets and liavalue on a non

n adjustments

ts

ding

justments:

tion adjustment

stments

ative funding in

stments (CVA)

tments (DVA)

io exemption iuments are mexposure or to n market particr value of the g

posure at the m

a result of th

o be recognised) and the amoless amountsm) of amortis

ncements

ertificates of deCorporation (Fance coveragoption include

posit amounted

unobservable air value of asssensitivity of faant unobservaabilities includn-recurring bas

are quantified

ts

ncreased by £3

decreased by

increased by £

n IFRS 13 Fair easured using transfer a net

cipants at the group of finan

measurement d

he use of valu

d in income thunt that woulds subsequentlysation and rele

eposit issued bFDIC) in the Une. The carrying

es this third pad to £4,017m

77

inputs for assets and liabilit

air value measuable inputs is aed in disposal sis.

d below:

35m to £107m

y £13m to £314

£207m to £39

Value Measurthe price that

t short positionbalance sheet cial assets anddate.

uation mode

hat relates to thd have arisen hy recognised, iseases.

by Barclays Gronited States. Tg value of thes

arty credit enha(2015: £3,729m

sets and liabilitties in the 2015urement of the

also found in N groups classif

m as a result of

4m as a result

6m as a result

rement to mea would be recen (i.e. a liability date under cd liabilities con

els using uno

he difference bhad valuation ms £96m (2015:

oup are insuredThe FDIC is funse issued certifancement. Them).

ties recognised5 Annual Repoe instruments

Note 18 Fair vafied as held for

f widening in B

t of reduction i

t of a widening

sure the fair vaeived to sell a ny) for a particucurrent marketnsistently with

observable in

between the tramodels using u: £101m). Ther

d up to $250,0nded by premiuficates of depoe on balance s

d at fair value aort. The descrip categorised as

alue of assets ar sale are not i

30.06.16

£m

(396)

(158)

(107)

-

(314)

396

Barclays fundin

n monoline ex

g in Barclays cr

alue of groupsnet long positiolar risk exposu

t conditions. Ah how market p

nputs

ansaction priceunobservable ire are no addit

000 per deposiums that Barclosit that are desheet value of t

and classified ption of the s Level 3

and liabilities ncluded as

31.12.15

£m

(360)

(149)

(72)

(9)

(318)

189

ng spreads

xposure

redit spreads

s of financial on (i.e. an

ure in an Accordingly,

participants

e (the fair inputs been tions (2015:

itor by the ays and other

esignated these

5

m

)

)

)

)

)

Financial

Barclays PLC

Comparison Valuation meare consisten The followingbalance sheet

Financial asset

Held to maturit

Loans and adva

Loans and adva

-Home loans

-Credit cards, u

-Finance lease

-Corporate loan

Reverse repurc

Assets included

Financial liabil

Deposits from

Customer acco

-Current and d

-Savings accou

-Other time de

Debt securities

Repurchase ag

Subordinated l

Liabilities inclu 1 In June 2016

with these a2 Assets and l

business.

12. Subo Opening balanIssuances Redemptions Other

Total dated an SubordinatedSubordinatedUndated Subo£1,492m primreclassified to

Statement

C – 2016 Interim

n of carrying

ethodologies ent with the 201

g table summat:

ts

ty1

ances to banks

ances to custom

unsecured and o

receivables

ns

chase agreement

d in disposal gro

ities

banks

ounts:

emand account

unts

posits

s in issue

reements and o

iabilities

ded in disposal g

6 £5.0bn of UK Giltassets. liabilities where th

ordinated

ce as at 1 Janua

nd undated subo

d liabilities incrd Notes. Partiaordinated Not

marily due to to held for sale.

t Notes

m Results

g amounts an

mployed in ca5 Annual Rep

arises the fair v

mers:

other retail lendi

ts and other sim

oups classified a

ts

other similar secu

groups classified

ts previously classif

he carrying value i

liabilities

ry

ordinated liabilit

reased 6% to £l redemptions es and £145mhe appreciatio.

nd fair values

alculating the fort disclosure.

value of financ

ng

milar secured len

as held for sale2

ured borrowing

d as held for sale

fied as available fo

is lower than the

ties as at period

£22,650m (De include £278m

m 5.75% Fixed on of USD and

78

s for assets a

fair value of fin.

cial assets and

nding

e2

or sale investments

fair value. The am

d end

c 15: £21,467m 6.86% CallaRate Subordin EUR against G

and liabilities

nancial assets a

liabilities mea

As at 30

Carrying amount

£m

5,007

48,117

144,994

56,702

1,643

221,987

20,216

46,895

(62,386)

(130,142)

(130,331)

(178,057)

(66,172)

(25,418)

(22,650)

(49,756)

s, were reclassified

mounts relate to th

m). There wasable Perpetual nated Notes. OGBP, offset by £

s not held at

and liabilities m

sured at amor

0.06.16

Fair Value

£m

5,429

48,098

140,214

56,277

1,642

220,348

20,216

46,895

(62,386)

(130,142)

(130,351)

(178,144)

(66,604)

(25,418)

(22,668)

(49,756)

d to held to maturi

he intention to dis

s an issuance oCore Tier One

Other movemen£616m BAGL s

fair value

measured at a

rtised cost on t

As at 3

Carrying amount

£m

-

41,349

155,863

67,840

4,776

170,738

28,187

-

(47,080)

(147,122)

(135,567)

(135,553)

(69,150)

(25,035)

(21,467)

-

ity in order to refle

spose of BAGL and

As at 30.06.16

£m 21,467

854 (583) 912

22,650

of £854m 5.20e Notes, £160mnts include an subordinated

mortised cost

the Group’s

1.12.15

Fair Value

£m

-

41,301

151,431

67,805

4,730

169,697

28,187

-

(47,080)

(147,121)

(135,600)

(135,796)

(69,863)

(25,035)

(22,907)

-

ect the intention

d the Asia Wealth

As at31.12.15

£m21,153

1,138 (682)(142)

21,467

0% Fixed Rate m 6.125% increase of liabilities

e

m

)

)

)

)

)

)

)

h

t 5

m ) )

Financial

Barclays PLC

13. Pro

UK Customer R - Payment ProOther customeLegal, competitRedundancy anUndrawn contrOnerous contraSundry provisioTotal Payment Pro

As at 30 Junethe cost of PDecember 20

In the half yeaprocessed. ThThis rate of d An additionalto ongoing re As at 30 Junepossible the elevels in respe The provisionjudgement an

Customercustomer

Proactive

Uphold ra

Average cpolicy/po

Processin

These assuminclude comp

The followingprovision calcprove too hig

1 Total claims

mailing. 2 Gross volum

Statement

C – 2016 Interim

ovisions

Redress otection Insurancer redress tion and regulatnd restructuringractually commiacts ons

otection Insura

e 2016, BarclaPayment Prote015: £5.3bn), le

ar ended to 30he volume of c

decline was slo

l charge of £0.emediation pro

e 2016, the totaeventual outcoect of the com

n is calculated nd modelling:

r initiated claimrs where the vo

response rate

ate – the perce

claim redress –olicies

ng cost per clai

mptions remainplaints driven b

g table detailsculation and a

gh or too low.

s received to date,

mes received.

t Notes

m Results

ce redress

tory matters g itted facilities an

ance Redress

ays had recognection Insuraneaving a residu

0 June 2016, 1.claims receivedwer than prev

.4bn has been ogrammes, inc

al provision ofome may differ

mplaints deadlin

using a numb

m volumes – colume is antici

e – volume of c

entage of claim

– the expected

im – the cost t

n subjective, by claims man

s by key assua sensitivity an

including those re

nd guarantees

nised cumulatnce (PPI) redrual provision o

.7m (31 Decemd during H1 20

viously recorde

recognised tocluding those m

f £2bn represer from the curne proposed b

ber of key assu

claims receiveipated to decli

claims in respo

ms that are uph

d average paym

to Barclays of a

in particular dagement com

mption, actuanalysis illustrat

eceived via CMCs

79

tive provisionsess and assoc

of £2.0bn (31 D

mber 2015: 1.6016 decreaseded but in line w

o reflect an updmanaged by th

nts Barclays’ brent estimate.

by the FCA, wh

mptions which

d but not yet pne over time

onse to proacti

held as being v

ment to custom

assessing and

due to the unpany (CMC) a

al data througting the impac

but excluding tho

s totalling £7.8ciated processDecember 201

6m) customer d 4%2 from H2with expectatio

dated estimatehird parties rel

best estimate o We will contin

hich is still pen

h continue to i

processed plu

ive mailing

valid upon revi

mers for uphel

processing ea

ncertainty assactivity.

gh to 30 June ct on the prov

ose for which no P

30

8bn (31 Decemsing costs wit15: £2.1bn).

initiated claim 2015 (increas

ons.

e of cost of PPating to a port

of expected PPnue to review tding confirma

involve signific

s an estimate

ew

d claims based

ach valid claim

ociated with

2016, forecasvision if the fu

PPI policy exists an

As at

0.06.16 £m

1,951

830 474 258

59 144 272

3,988

mber 2015: £7th utilisation o

ms1 had been rsed by 1% from

I redress, primtfolio previous

PI redress. Howthe adequacy

ation.

cant managem

of future claim

d on the type a

future claims

st assumptionuture expected

nd excluding respo

As at31.12.15

£m

2,106 896 489 186

60 141 264

4,142

7.4bn) againstof £5.9bn (31

received and m H1 2015).

marily relating sly sold.

wever, it is of provision

ment

ms initiated by

and age of the

levels, which

ns used in thed assumptions

onses to proactive

t 5

m

t

y

e

h

e s

e

Financial

Barclays PLC

1 Total claims

mailing. 2 Average uph3 Change in a4 Average red5 Processing c

Customer redCustomer redcounterpartieProvisions forcertain ForeigPackaged Ban

Assumption Customer initiaProactive mailiResponse rate tAverage upholdAverage redresProcessing cos

Statement

C – 2016 Interim

s received to date,

hold rate per claimaverage uphold ratdress stated on a pcost per claim on a

dress dress provisiones for losses orr other customgn Exchange trnk Accounts, a

ated claims receng to proactive mad rate per claim2

ss per valid claimt per claim5

t Notes

m Results

including those re

m excludes those fote mainly due to inper policy basis andan upheld complai

ns comprise thr damages ass

mer redress incransactions foand smaller pr

ived and proces

iling 2

m4

eceived via CMCs

or which no PPI poncreased remediatid excludes remediints basis, includes

he estimated cosociated with include £282m (or certain custo

ovisions acros

ssed1

80

but excluding tho

licy exists. ion in 2015. iation. s direct staff costs

ost of making nappropriate j2015: £290m)

omers betweenss the retail an

ose for which no P

and associated ov

redress paymudgement in t) in respect of n 2005 and 20d corporate bu

Cumulative actual

to 30.06.16 1,710k

720k 27%

87%3

£1,845 £305

PPI policy exists an

verheads.

ents to customthe execution o historic pricin012, £118m (2usinesses.

Future Exp

£

nd excluding respo

mers, clients anof our businesg practices ass

2015: £282m)

pected

Sensincre

570k 160k 17% 84%

£1,830 £280

onses to proactive

nd ss activities. sociated with in respect of

itivity Analysis ease/decrease

in provision 50k = £105m

50k = £12m 1% = £2m

1% = £14m £100 = £67m

50k = £14m

e

Financial

Barclays PLC

14. Ret

As at 30 JunRetirement Fu The moveme2.79%pa (20discount rate The latest triecompleted inscheme-speceliminate thelongevity ass The recoverycontributionsduring 2017 that time. Thbenefits accru In non-valuatupdate was cfunding level can be mainly

15. Cal

Called up shathe issuance   

16. Oth

Other equity PLC. The AT1 secuCRD IV.

Statement

C – 2016 Interim

tirement b

e 2016, the Gund (UKRF), w

ent for the UKR15: 3.82%pa);

e.

ennial actuarian 2014 and shcific funding te deficit of the umption for fu

y plan to elimins of £300m wto 2021. Up to

hese deficit conuing over each

tion years, thecarried out as of 82.7% (30y attributed to

lled up sha

are capital comof shares unde

her equity

instruments o

urities are per

t Notes

m Results

benefits

Group’s IAS19which is the Gro

RF is driven by; partially offse

al valuation ofhowed a defictarget, statem UKRF. The m

unding and a d

nate the deficiwere payable in

o £500m of thntributions areh year.

e Scheme Actus at 30 Septem0 September 2 the fall in real

are capital

mprises 16,913er employee sh

instrumen

of £5,314m (2

petual securit

9 pension deficoup’s main sch

y an increase inet by an increa

f the UKRF wacit of £3.6bn

ment of fundinmain differencedifferent appro

it will result inn 2015, and ahe 2021 deficie in addition t

uary prepares amber 2015 an2014: 85.4%). l gilt yields.

3m (2015: 16,hare schemes

nts

2015: £5,305m

ies with no fix

81

cit across all heme, had a s

n the liability vase in asset va

as carried out wand a funding

ng principles, es between theoach to setting

the Bank payalso in 2016. Fit contributionto the regular

an actuarial annd showed a dThe increase

,805m) ordina and the Barcla

m) include Add

xed maturity a

schemes wasurplus of £0.1

values, mainlyalues driven by

with an effectg level of 87.4a schedule o

e funding andg the discount

ying deficit conFurther deficit

ns are payable contributions

nnual update odeficit of £6.0in funding de

ary shares of 2ays PLC Scrip

ditional Tier 1

and are structu

£0.3bn (2015bn (2015: £0.8

due to a decry higher asset

ive date of 304%. The Bankof contribution IAS 19 assumrate.

ntributions to t contributions in 2017 depe to meet the G

of the funding0bn (30 Septeficit over the y

25p each. The Dividend Prog

(AT1) securit

ured to qualify

5: £0.4bn sur8bn surplus).

rease in the dis performance

0 September 2k and the Truns and a reco

mptions are a

the Fund untis of £740m pnding on the

Group’s share

g position. Theember 2014: £year to 30 Sep

increase was ramme.

ties issued by

y as AT1 instru

plus). The UK

scount rate torelative to the

013. This wasstee agreed aovery plan tomore prudent

l 2021. Deficitpa are payabledeficit level atof the cost of

e latest annual£4.6bn) and aptember 2015

largely due to

Barclays Bank

uments under

K

o e

s a o t

t e t f

l a 5

o

k

r

Financial

Barclays PLC

17. Ot

Currency transAvailable for saCash flow hedgOther

Total

Currency tr

As at 30 June£2,322m credrelated to dis12.2% sale of

During the pein the Incomecapital repatr

Available fo As at 30 June£310m was lfair value hed

Cash flow h

The cash flowwill be recycle

As at 30 Juneincrease of £purposes as i£675m.

Other reserv

As at 30 Junerepurchase p

As at 30 JuneDuring the peshares held foreflecting the

18. Co

Guarantees and

Performance g

Contingent liab

Documentary

Forward starti

Standby facilit Further detail

Statement

C – 2016 Interim

ther reserv

lation reserve ale reserve ging reserve

anslation res

e 2016 there wdit movementscontinued opf the Group’s i

eriod a £54m e Statement. T

riation from th

or sale reserv

e 2016 there largely driven

dging, £777m o

hedging rese

w hedging reseed to the incom

e 2016 there w£1,790m princinterest rate fo

ves and trea

e 2016, there wrice paid over

e 2016, there weriod £140m (or the purpose

e vesting of def

ontingent li

d letters of cred

uarantees, acce

bilities

credits and oth

ng reverse repu

ties, credit lines

ls on continge

t Notes

m Results

ves

serve

was a credit bt principally re

perations. Thisnterest in BAG

net loss (2015This principalle Brazilian bus

ve

was a credit bby £3,286m loof net gains tr

rve

erve representme statement

was a credit bcipally reflecteorward curves

sury shares

was a credit b nominal of red

was a debit bal(2015: £602mes of employeferred share ba

iabilities an

it pledged as co

eptances and end

er short-term tr

urchase agreem

and other com

nt liabilities re

balance of £1,eflected the ap was driven b

GL, as well as t

5: £87m net loy related to thsiness.

balance of £7osses from chansferred to n

ts the cumulat when the hed

balance of £3,0ed a £2,622m decreased, £

alance of £1,0deemed ordina

ance of £73m) net purchase

ee share schemased payment

nd commit

llateral security

dorsements

rade related tra

ments

mitments

lating to legal,

82

,699m (2015: ppreciation of by a £343m trhe appreciatio

ss) from recyche disposal of

m (2015: £31hanges in fair vet profit and a

tive gains and dged transactio

051m (2015: m increase in t

154m loss tra

011m (2015: £ary and prefer

(2015: £68m es of treasury

mes, and £135ts.

tments

nsactions

, competition a

£623m debit)EUR and USD

ransfer to Nonon of ZAR agai

cling of the cu the Portugue

17m) in the avvalue on Gove

a tax charge of

losses on effeons affect prof

£1,261m credthe fair value nsferred to ne

£1,011m credience shares is

debit) in othe shares were mm (2015: £61

and regulatory

) in the currenD against GBP.n-controlling innst GBP.

rrency translatse retail and i

vailable for saernment Bondf £29m.

ective cash flowfit or loss.

dit) in the cashof interest ra

et profit, partia

it) in other ressues by the gr

r reserves relamade, principa8m) was tran

y matters can b

As at

30.06.16 £m

1,699 7

3,051 938

5,695

ncy translation Of this moventerest, associ

tion reserve wnsurance busi

ale reserve. Thds offset by £2

w hedging ins

h flow hedgingate swaps heldally offset by a

serves relatingroup.

ting to treasurally reflecting tsferred to reta

As at

30.06.16

£m

17,030

4,741

21,771

1,161

86

296,904

be found in No

As at

31.12.15£m

(623)317

1,261 943

1,898

n reserve. Theement, £534miated with the

was recognisedinesses, and a

he decrease of2,836m due to

struments that

g reserve. Thed for hedging tax charge of

to the excess

ry shares. the increase inained earnings

As at

31.12.15

£m

16,065

4,556

20,621

845

93

281,369

ote 19.

t 5

m )

e m e

d a

f o

t

e g f

s

n s

t

5

m

Financial

Barclays PLC

19. Leg

Barclays PLC which are beypredicted butsimilar circumand circumstliabilities whe InvestigationThe Financiaconnection wBBPLC are coof Justice (DO Background IThe FCA hasQatar Holdingcapital raisingSeptember 20 The existenceservices agrepayable over raisings in Juthere should primary purpbe disclosed, The Warning also in breacCompany’s sWarning Noti The FCA hasagreements rfurther inform In January 20damages of £made by BBPNovember 20 Claimed AmoIt is not curreeffect that thhas made a BBPLC’s pote InvestigationThe DOJ and to win or retahave also beeinvestigation informed. Claimed AmoIt is not curreeffect that the

Statement

C – 2016 Interim

gal, compe

(BPLC), Barclayond our contt may materialmstances can tances. The Grere it is not cur

ns into certain al Conduct Awith two advisontesting the fiOJ) and the US

Information s investigated g LLC (Qatar gs in June and 013.

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

s agreed that referred to abmation.

016, PCP Capit£721.4m plus PLC to PCP in 008 capital rais

ounts/Financiaently practicabey might haveclaim against

ential financial

ns into certain SEC are underain business aen briefed on into certain of

ounts/Financiaently practicabey might have

t Notes

m Results

etition and

ays Bank PLC trol. The extenlly impact our give rise to eiroup has not rrently practica

agreements authority (FCA

sory services aindings. The U Securities and

certain agreeHolding) in Ju November 20

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

the FCA enfoove, in respec

tal Partners LL interest and c relation to thsing. BBPLC is

al Impact ble to provide e upon the Grot BBPLC total exposure if a r

business relartaking an inve

are compliant wthe investigatf its hiring pra

al Impact ble to provide e upon the Gro

regulatory

(BBPLC) and tnt of the impac operations, finither a contingdisclosed an eable to do so.

and Civil ActioA) has allegedagreements enUnited Kingdomd Exchange Co

ements, includne and Octob

008. The FCA i

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

orcement procct of which the

LP and PCP Incosts for fraud

he terms on w defending the

an estimate ooup’s operatingling £721.4m ruling were to

ationships estigation intowith the US Fotions. Separateactices in Asia

an estimate ooup’s operating

83

y matters

the Group facect on BPLC, BBnancial resultsgent liability oestimate of th

on d that BPLC ntered into by m (UK) Seriousommission (SE

ding two adviser 2008 respessued warning

ered into in Juayable under d in the annoing Notices cormined value advisory servi

raisings.

were in breacht to act with that BPLC an BBPLC contin

cess be stayede Group has r

nternational Fidulent misrepr

which securitiese claim.

f the financialg results, cash plus interest be made agai

whether the Goreign Corrupely, the Groupand elsewhere

f the financialg results, cash

e legal, compeBPLC and the s, condition anr a provision, e potential fin

and BBPLC b BBPLC. The F

s Fraud Office EC) are also inv

sory services ectively, and wg notices (War

une 2008 was both agreemeuncements oronsider that Bto be derived ces but to ma

of certain discintegrity towa

nd BBPLC acteue to contest

d pending proreceived and h

nance Limitedresentation ans were to be

impact of theh flows or finan and costs. Tnst it.

Group’s relatiot Practices Ac

p is cooperatine and is keepin

impact of the flows or finan

etition and regGroup of thes

nd prospects. Mor both, depe

nancial effect o

breached theiFCA has impo(SFO), the Uni

vestigating the

agreements ewhether these rning Notices)

disclosed butents, which amr public documPLC and BBPL from the agre

ake additional p

closure-relatedards holders aed recklessly. Tthe findings.

gress in the Shas continued

d (PCP) servednd deceit, arisiissued to inve

e actions descncial position i

This amount d

onships with thct. Certain regung with the DOng certain regu

e actions descncial position in

ulatory challene matters can

Matters arisingending on the on the Group

r disclosure osed a £50m fited States (USese agreement

entered into bmay have rela against BPLC

t the entry intomount to a toments relating LC believed at eements, they payments, wh

d listing rules and potential hThe financial

SFO’s investig to respond to

d a claim on Bng from allege

estors, includin

ribed on the Gn any particula

does not nece

hird parties whulators in otheOJ and SEC in ulators in othe

ribed on the Gn any particula

nges, many ofnot always be

g from a set of relevant factsof contingent

obligations infine. BPLC andS) Departmentts.

y BBPLC withated to BPLC’s and BBPLC in

o the advisoryotal of £322m to the capital the time that state that the

hich would not

and BPLC washolders of thepenalty in the

ation into theo requests for

BBPLC seekinged statementsng PCP, in the

Group or whatar period. PCP

essarily reflect

ho assist BPLCer jurisdictions relation to aner jurisdictions

Group or whatar period.

f e f s t

n d t

h s n

y m

l t e t

s e e

e r

g s e

t P t

C s n s

t

Financial

Barclays PLC

Alternative TThe SEC, the a range of isfrequency tra

Background IIn June 2014,Court of the Sin connectionagreements woperation of L Civil complainBCI and otherwhich high-frsecurities ma2015 the Couappeal. BPLC and BCon allegationsconsolidated permitted to fCalifornia. Following thewith certain o(Shareholder American Demotion to disthe action as Action and th Claimed AmoThe remaininan estimate ooperating res FERC The US Federin the US Dist$34.9m of paround Califolooking into tCourt for the Background IIn October 20and four of itthat BBPLC aaround Califoby BBPLC. In Septemberconduct at iss In October 20to collect the In June 2015Irrigation Dis

Statement

C – 2016 Interim

Trading System New York Stassues associataders.

Information the NYAG fileState of New Yn with LX, the Gwith each of thLX for $35m e

nts have also brs generally allrequency tradi

arket to the plaurt granted Bar

I have also bees similar to tho with the Tradfile an amende

e filing of the Nof its former C Class Action).pository Recei

smiss the comp a class actionhe Shareholder

ounts/Financiang complaints sof the financialsults, cash flow

ral Energy Regtrict Court in C

profits, plus inornia. The US the same con SDNY against

Information 012, FERC issuts former tradand its formerornia from Nov

r 2013, the crisue in the FER

013, FERC filed $435m civil p

5, a civil classstrict, a Califo

t Notes

m Results

ms and High-Fate Attorney Gted with alter

ed a complaintYork alleging, aGroup’s SEC-r

he SEC and theeach.

been filed in Neleging that theing firms were

aintiffs’ detrimerclays’ motion

en named in a ose in the NYAer Class Actioned complaint f

NYAG ComplaiEOs, and its cu. The plaintiffsipts declined inplaint, which t, which Barclar Class Action.

al Impact seek unspecifil impact of the

ws or financial

ulatory CommCalifornia seekterest, in con Attorney’s Ofduct at issue

t BBPLC assert

ued an Order ters in relation traders violatvember 2006 t

iminal divisionRC matter.

d a civil actionpenalty and dis

action compornia utility c

Frequency Traeneral (NYAG

rnative trading

(NYAG Compamongst otherregistered ATSe NYAG to reso

ew York Federe defendants ve given informaent. These com to dismiss the

purported claAG Complaint (n for pre-trial pfollowing this d

int, BPLC and Burrent and a fos claim that invn value as a rethe court grantys has appeale.

ied monetary de actions descrposition in any

mission (FERC) king to collect nnection with ffice in the Soin the FERC ming antitrust a

to Show Cause to their poweted FERC’s Anto December 2

n of the US Att

n against BBPLsgorgement of

plaint was filedompany, asse

84

ading ) and regulato

g systems (AT

plaint) against r things, that B

S. On 1 Februarolve those age

ral Court on beviolated the fedational and othmplaints were e Trader Class

ss action by a(California Clapurposes and dismissal and

BCI were also ormer CFO, as vestors sufferesult of the alleted in part anded. BPLC and B

damages and ribed on the Gy particular pe

has filed a civon an order asallegations th

outhern Districmatter, and a llegations that

e and Notice oer trading in thnti-Manipulatio2008, and prop

torney’s Office

LC and its formf $34.9m of pro

d in the US Derting antitrus

ors in certain oTSs), including

BPLC and BarcBPLC and BCI ery 2016, Barclancies’ claims a

ehalf of a putaderal securitiesher advantage consolidated ( Action in its e

n institutional ss Action). Thwas also dismthe matter wa

named in a sh well as an em

ed damages whegations in the d denied in parBCI continue to

injunctive relieroup or what e

eriod.

vil action againssessing a $43hat BBPLC mact of New Yorcivil class actit mirror those

of Proposed Pehe western USon Rule by maposed civil pen

e in SDNY adv

mer traders in tofits, plus inte

District Court st allegations

other jurisdictiog dark pools,

clays Capital Inengaged in fraays reached seagainst BPLC a

tive class of pls laws by partices so that they (Trader Class A

entirety. The pl

investor clientis California C

missed in Auguas transferred b

areholder secuployee in Equihen their inves NYAG Complart. In February o defend again

ef. It is not curreffect they mig

nst BBPLC and 35m civil penaanipulated therk (SDNY) hason complaint raised in the c

enalties (OrderS. In the Orderanipulating thnalties and pro

vised BBPLC th

the US Districtrest.

for the SDNY in connectio

ons have beenand the activ

nc. (BCI) in theud and decepteparate settlemand BCI relatin

laintiffs againscipating in a sc could manipuAction), and inlaintiffs have c

t under Califorlass Action wast 2015. The pback to federa

urities class acties Electronicstments in Baraint. BPLC and 2016, the counst both the Ca

rently practicaght have upon

certain of its flty and the dis

e electricity ms informed BB was filed in tcivil suit filed b

r and Notice) ar and Notice, Fe electricity m

ofit disgorgem

hat it is lookin

t Court in Calif

Y against BBPLon with BBPLC

n investigatingvities of high-

e Supreme tive practices ment g to the

st BPLC and cheme in

ulate the US n August chosen not to

rnia law basedas plaintiffs were al court in

ction along c Trading rclays d BCI filed a urt certified alifornia Class

able to providen the Group’s

former traderssgorgement of

markets in andBPLC that it isthe US Districtby FERC.

against BBPLCFERC asserted

markets in andent to be paid

g at the same

fornia seeking

LC by MercedC’s purported

g -

e

s f d s t

C d d d

e

g

d d

Financial

Barclays PLC

manipulationFERC against In October 20from its assepenalty assesdetermine thi In DecemberFebruary 201

Claimed AmoFERC has maprofit disgorgreflect BBPLC InvestigationRegulators anbeen conducLIBOR and EUin certain of tthe prosecuto Background IIn June 2012,to the FCA), tinvestigationsThe settlemeBBPLC was glaw violations2016. InvestigationsFollowing theinvestigationsthroughout a Investigation In July 2012,received andcontinues. For a discussActions’. Claimed AmoAside from ththe actions dfinancial posi LIBOR and otFollowing thenumber of inin relation to subject to apand to seek to Background IA number ofGroup and ot

Statement

C – 2016 Interim

n of the electric BBPLC curren

015, the US Diessment of disssment. The cois issue.

r 2015, BBPLC6 granted in p

ounts/Financiade claims agagement. The c

C’s potential fin

ns into LIBOR and law enforcecting investigaURIBOR. BBPLCthe investigatiors' office in Tr

Information BBPLC annouthe US Commos concerning cnt with the DOranted conditis with respect

s by the US Stae settlements s into LIBOR, E

and is in advan

by the SFO , the SFO ann continues to

sion of civil lit

ounts/Financiahe settlements

described on thtion in any pa

ther Benchmae settlements dividuals and LIBOR and/oproval from tho file their own

Information f individuals ather banks in r

t Notes

m Results

city markets inntly pending in

istrict Court insgorgement. Fourt has indica

C filed a motiopart and denied

al Impact inst BBPLC andcivil class actinancial exposu

and other Benement agencie

ations relatingC, BPLC and BCons, but otherrani, Italy and

unced that it haodity Futures Tcertain benchmOJ-FS was madional leniency to financial in

ate Attorneys Gannounced in

EURIBOR and tced discussion

nounced that respond to r

tigation arising

al Impact s discussed abhe Group or wrticular period

ark Civil Actionof the investicorporates in

or other benchhe court (and in claims), othe

and corporatesrelation to man

n and around the US Distric

n California ordFERC has filed ated that it wi

on to dismiss td in part.

d certain of itson complaint

ure if a ruling w

nchmarks es, including c to BBPLC's iCI have reachers, including ththe Swiss Com

ad reached setTrading Commmark interest rde by entry int from the DOJ struments tha

General n June 2012, athe Tokyo Intens with the SA

it had deciderequests for in

g in connectio

bove, it is not cwhat effect tha

.

ns gations referr a range of jur

hmarks. While in the case of er actions rema

s in a range onipulation of L

85

California. Thect Court in Cali

dered that it w and BBPLC isll either affirm

the civil class

s former trader refers to dam

were to be mad

certain competnvolvement ined settlementshe investigatio

mpetition Com

ttlements withmission (CFTC)rate submissioto a Non-Prose Antitrust Divis

at reference EU

a group of USerbank OfferedAGs about a po

d to investiganformation. Th

on with these

currently practat they might h

ed to above irisdictions hav several of succlass actions, tain pending an

of jurisdictionsIBOR and/or o

e allegations mifornia.

would bifurcates opposing a b

m the penalty a

action for fai

rs totalling $46mages of $139de against it in

tition authoritn manipulatins with the relevons by certain mission remai

h the Financial) and the DOJ ons, and BBPLCecution Agreesion (DOJ-AD)

URIBOR. The D

S State Attorned Rate. The Grootential resolut

ate the LIBORhe SFO’s inve

investigations

ticable to provhave upon the

n ‘Investigatiove threatened och cases have the right of cland their ultima

s have threateother benchma

mirror those ra

e its assessmebrief seeking s

assessment, or

lure to state a

69.9m, plus int9.3m. These an either action.

ties, from a nug certain finavant law enfor US State Attoin pending.

l Services AuthFraud Section C agreed to pament which h

) in connectionDOJ granted fin

eys General (Soup has coopetion.

R matter, in reestigation, incl

s see ‘LIBOR a

vide an estimae Group’s oper

ons into LIBORor brought civ been dismissass members tate impact is u

ened or brougark rates.

aised in the civ

nt of liabilitiessummary affirr require furthe

a claim, which

terest, for civilamounts do n.

umber of goveancial benchmrcement agencorneys General

hority (FSA) (a (DOJ-FS) in reay total penaltas now expire

n with potentianal leniency to

SAGs) commeerated with the

espect of whicuding in resp

and other Ben

te of the finanrating results,

R and other Bevil actions agaised and certainto opt-out of t

unclear.

ght civil action

vil suit filed by

and penaltiesrmance of theer evidence to

h the SDNY in

penalties andot necessarily

ernments havemarks, such ascy or regulatorl, the SFO and

as predecessorelation to theirties of £290m.ed. In addition,al US antitrust BBPLC in May

enced its owne investigation

ch BBPLC hasect of BBPLC,

nchmarks Civil

ncial impact of cash flows or

enchmarks’, anst the Groupn have settledthe settlement

ns against the

y

s e o

n

d y

e s r d

r r . , t y

n n

s ,

l

f r

a p d t

e

Financial

Barclays PLC

USD LIBOR CaThe majority purposes befo The complaincollectively viRacketeer Inf The lawsuits total in exceslawsuits also The proposedlinked over-th(Exchange-Barate mortgag In August 20March 2013, claims againsthree lead ind In July 2014, The MDL CoClass claims.including theremanded the In December $20m. Final aacceptable to In November EURIBOR CasIn February 2SDNY. The pOctober 201approved by t Securities FraBPLC, BBPLC class action inaction was se Additional USAn additionadefendants. Tof bonds plemarket. In Ap Sterling LIBORIn May 2015,plaintiff involalleges, amon2010 and, in with an additbanks. Defen

Statement

C – 2016 Interim

Cases in MDL C of the USD LIBfore a single ju

nts are substaniolated provisiofluenced and C

seek unspecifss of $1.25bn seek trebling o

d class actionshe-counter traased Class); (iies linked to US

012 the MDL August 2013 st BBPLC and dividual action

the MDL Couurt subsequen In May 2016

e Debt Securite antitrust clai

2014, the MDapproval of theo the MDL Cou

2015, the OTC

se in the SDNY 2013, a EURIBOplaintiffs asser5, the class athe court but r

aud Case in the and BCI weren the SDNY in ettled for $14m

SD LIBOR Caseal individual aThe plaintiff aldged as collat

pril 2015, the c

R Case in SDN a putative clalved in exchanng other thingso doing, comtional putativedants have file

t Notes

m Results

Court BOR cases, whdge in the SDN

ntially similar ons of the US

Corrupt Organi

fied damages in actual damof damages un

s purported to ansactions (OTii) purchased USD LIBOR (Hom

Court stayed and June 201other panel bs (Lead Individ

urt allowed thently dismissed 6, the appeal cties Class, andims for the MD

DL Court grante settlement is

urt.

C Class claims

Y OR-related clasrted antitrust, action was setremains subjec

e SDNY also named a connection w

m with final co

e in the SDNY ction was coleged that theteral for a loa

court dismissed

NY ass action was nge-traded angs, that BBPLC

mmitted CEA, Ae class action ed a motion to

hich have beenNY (MDL Cour

and allege, amSherman Antiizations Act (R

with the exceages against ander the Antitr

be brought onTC Class); (ii) USD LIBOR-linmeowner Clas

all newly filed4, the MDL Coank defendandual Actions).

e Stayed Actio a number of court reversed

d Lead IndividuDL Court’s furt

ted preliminarys awaiting plai

were settled f

ss action was CEA, RICO, a

ttled for $94mct to final appr

as defendants with BBPLC’s ro

urt approval g

mmenced in e panel bank dn to decreased the action. T

commenced id over-the-co

C and other pAntitrust Act, amaking simila

o dismiss.

86

n filed in variort).

mongst other ttrust Act (Ant

RICO) and vario

ption of five laall defendantsrust Act and R

n behalf of (am purchased USked debt secu

ss); or (v) issue

d proposed claourt issued a sts in the three

ons to proceed Lead Individud the MDL Coual Actions hather considerat

y approval forintiff’s submis

for $120m. Th

filed against Band unjust enrm subject to croval.

along with fouole as a contribgranted in Mar

February 201defendants cone, ultimately reThe plaintiff’s m

in the SDNY agounter derivatipanel banks mand RICO violaar allegations a

us US jurisdict

things, that BBtitrust Act), theous state laws

awsuits, in wh, including BB

RICO.

mongst othersSD LIBOR-link

urities (Debt Seed loans linked

ass actions anseries of decise lead propose

d and a numbual Action claimourt’s holding ad not sufferetion of those c

the settlemension of a plan

e settlement is

BPLC, BBPLC, Brichment claimcourt approva

ur former officbutor panel bach 2016.

3 in the SDNnspired to incresulting in themotion to file a

gainst BBPLC aves that were

manipulated thations. In earlyagainst BBPLC

tions, have bee

BPLC and the oe Commodity s by manipulat

hich the plaintBPLC, plus pun

) plaintiffs thaed financial in

ecurities Class)d to USD LIBOR

nd individual aions effectivelyed class action

er of plaintiffsms and all Hothat plaintiffs

ed an injury uclaims and rela

nt of the Excha for allocation

s subject to fin

BCI and other Ems relating toal. The settlem

cers and directank to LIBOR. I

NY against BBrease USD LIBOe sale of the ba further amen

and other Stere linked to Stee Sterling LIBO

y 2016, this claC and BCI and

en consolidate

other banks inExchange Act ing USD LIBOR

iffs are seekinnitive damages

t (i) engaged instruments on); (iv) purchaseR (Lender Clas

actions (Stayey dismissing tns (Lead Class

s filed amendemeowner Clas

s in the Lead Cnder the Antitated issues.

ange-Based Cl of the settlem

nal court appro

EURIBOR paneo EURIBOR mament has been

tors of BBPLC n November 2

PLC and otheOR, which caubonds at a lownded complain

rling LIBOR panerling LIBOR. TOR rate betweass action was other Sterling

ed for pre-trial

ndividually and (CEA), the USR rates.

g a combineds. Some of the

in USD LIBOR-n an exchangeed adjustable-

ss).

ed Actions). Inhe majority of

s Actions) and

ed complaints.ss and LenderClass Actions,trust Act, and

lass claims forment proceeds

oval.

el banks in theanipulation. Inn preliminarily

in a securities2015, the class

er panel bankused the valuew point in thent is pending.

nel banks by aThe complainteen 2005 ands consolidatedg LIBOR panel

l

d S

d e

-e -

n f d

. r ,

d

r s

e n y

s s

k e e

a t d d l

Financial

Barclays PLC

Complaint in In July 2012, ainclude allegapurported claBBPLC’s motappealed the Japanese YenA class actionplaintiff involvEuroyen Tokyamongst othebetween 200plaintiff’s CEA In July 2015,complaint allsubstantially

SIBOR/SOR CA class actiomanipulationalleges, amobetween 200 Non-US BencIn addition tomanipulationthe benchma Claimed AmoAside from ththe actions dfinancial posi Foreign ExchVarious regulsales and tradcountries. Th(NYDFS), theAuthorities) wCommission Commission, Background IIn 2015, the trading practpenalties of a Under the plefrom the datecommit no cra complianceits compliancsubject to finAuthorities. BBPLC and Bselected by tFebruary 201

Statement

C – 2016 Interim

the US Districta purported clations related tass that includtion for summ decision.

n LIBOR Cases n was commeved in exchanyo Interbank Oer things, man

06 and 2010. A claims, whic

, a second claeges breachessimilar to thos

Case in the SDNon was commn of the Singangst other th7 and 2011. B

chmarks Caseso US actions, len of LIBOR andarks to which t

ounts/Financiahe settlements

described on thtion in any pa

hange Investiglatory and enfoding, includinge Group has re

e Board of Govwith respect t(Commission) amongst othe

Information Group reache

tices in the Foapproximately

ea agreement e of the final jrime whatsoeve program desce and internalal approval by

BBPLC’s New he NYDFS to 6, Barclays ter

t Notes

m Results

t Court for theass action comto USD LIBOR

des holders of amary judgeme

in SDNY enced in April ge-traded deriOffered Rate (nipulation of th

In March 20h are pending.

ass action cos of the Antitrse in the April

NY menced in Julyapore Interbanings, manipularclays expect

s egal proceedin

d EURIBOR in ahey relate, and

al Impact s discussed abhe Group or wrticular period

gations orcement authg electronic traeached settlemvernors of theto certain of ), the Adminisers, also remai

ed settlementsoreign Exchan$2.38bn, and

with the DOJudgement in

ver in violationigned to prevel controls as rey the court. Th

York branch conduct a corminated its en

e Central Districmplaint in the and names BBadjustable rate

ent and dismi

2012 in the Sivatives. The c(Euroyen TIBOhe Euroyen TI14, the court .

ncerning Yen rust Act and R2012 class act

y 2016 in thenk Offered Raation of the Sts to file a mot

ngs have beena number of jud the jurisdictio

bove, it is not cwhat effect tha

.

horities have bading. Certain ments with thee Federal Resethese investig

strative Councin pending.

s with the Resge market. Into undertake c

, in addition torespect of the

n of the federaent and detect equired by relehe Group also

were also reqmprehensive rngagement wi

87

ct of CaliforniaUS District CoBPLC as a defee mortgages lissed all of th

DNY against Bcomplaint also OR) panel, of wBOR and Yen dismissed th

LIBOR was fRICO betweention. Defendan

e SDNY againate (SIBOR) anSIBOR and SOtion to dismiss

brought or thurisdictions. Thons in which t

currently practat they might h

been investigatof these invest

e CFTC, the DOerve System (Fgations as furtil for Econom

olving Author connection wcertain remedi

o a criminal fie plea agreemel laws of the U the conduct t

evant regulatocontinues to p

quired to conreview of certth the monito

a urt for the Cen

endant. The aminked to USD Lhe remaining

BBPLC and oth names membwhich BBPLC LIBOR rates ae plaintiff’s a

filed in the SDn 2006 and 20nts have filed a

nst BPLC, BBPnd Singapore

OR rates and the complaint

hreatened agahe number of they may be br

ticable to provhave upon the

ting a range oftigations invol

OJ, the New YoFederal Reservther describedic Defence in

rities in relatiowith these setial actions.

ine, BPLC agreent during wh

United States, (that gave rise try or enforcemprovide releva

ntinue to engatain compliancr with the agre

ntral District ofmended compLIBOR. In Januclaims agains

her Japanese Ybers of the Japais not a memnd breaches ontitrust claims

DNY against B010 based on a motion to dis

PLC, BCI, and Swap Offer Rbreaches of tt.

inst the Groupsuch proceedirought have in

vide an estimae Group’s oper

f issues associlve multiple mork State Depave) and the FCd below. InvesBrazil and the

n to investigattlements, the

eed to a term hich BPLC mus(ii) implement to the plea agr

ment agencies.nt information

age the indepce programs, peement of the

f California walaint was filed

uary 2015, the st BBPLC. The

Yen LIBOR pananese Bankers

mber. The comof the CEA ands in full, but

BPLC, BBPLC factual allegasmiss.

other defendRate (SOR). Tthe Antitrust A

p in connectioings in non-US

ncreased over t

te of the finanrating results,

ated with Forearket participa

artment of FinaCA (together, stigations by South African

ations into cert Group agreed

of probation st, amongst ot and continue reement and (. The agreemen to certain of

pendent monitpolicies, and p NYDFS.

as amended to on behalf of a court grantede plaintiff has

nel banks by as Association’s

mplaint alleges,d Antitrust Actsustained the

and BCI. Theations that are

dants, allegingThe complaintAct and RICO

n with allegedS jurisdictions,time.

ncial impact of cash flows or

eign Exchangeants in variousancial Servicesthe Resolvingthe European

n Competition

tain sales andd to pay total

of three yearsther things, (i) to implementiii) strengthen

ent with DOJ is the Resolving

tor previouslyprocedures. In

o a d s

a s , t e

e e

g t

O

d ,

f r

e s s g n n

d l

s ) t n s g

y n

Financial

Barclays PLC

The full text othe FCA relate The settlememarket. In Ninvestigation trading syste$150m, prima The FCA is alcertain custofor appropria For a discussExchange Tra Claimed AmoA provision ointo historic pcurrently praeffect they m Civil Actions ConsolidatedBeginning in alleging maninternational alleging a clasettled the Comembers to o ERISA FX ActSince Februapurporting toalleged maniBBPLC and B(ERISA) statuwell as additmanipulationwhether allegthe agreementhey are cove Retail Basis AAnother actiointernational retail basis atsettlement aglaw. Last Look ActIn addition, iproposed claBarclays Lastsubject to cosettlement an Canadian FX Similar civil aplaintiffs condamages resu

Statement

C – 2016 Interim

of the DOJ pleaed to the settle

ents reached iNovember 201 into BBPLC ams in the perarily for certain

lso investigatinomers between

te customer re

sion of civil litading’ below.

ounts/Financiaof £290m in repricing practiccticable to proight have on t

in respect of d FX Action November 20ipulation of Fo banks as defss of US persoonsolidated FXopt-out of the

tion ary 2015, seveo allege differepulation of Fo

BCI. One suchute (ERISA Claitional allegatio

n of FX rates agations characnt. Barclays wiered by the agr

Action on was filed in banks, includt bank branchgreement in th

tions in November sses of plaintift Look systemourt approval. nd to seek to fi

Action actions to thentaining similaulting from su

t Notes

m Results

a agreement, tements referre

in May 2015 15, BBPLC anand BBPLC’s Nriod between 2n internal syst

ng historic pricn 2005 and 20edress.

tigation arising

al Impact dress costs fo

ces by BBPLC ovide an estimthe Group’s op

Foreign Excha

013, a numberoreign Exchanfendants, inclons in a singleX Action for $ settlement an

eral other civilent legal theooreign Exchanh consolidatedims) and incluons about ERare covered bycterised by theill move to stareement and a

n the Northernding BPLC and

es (Retail Basihe consolidate

2015 and Deffs alleging inj

m. In February (The other ac

ile their own c

Consolidatedar factual allegch manipulatio

the orders of ted to above ar

did not encomnnounced thatNew York bra2009 to 2014,ems and contr

cing practices 012. BBPLC is

g in connectio

or certain custoassociated wi

mate of any furperating results

ange

r of civil actionnge markets uuding BBPLC. consolidated 384m. The set

nd to seek to fi

actions haveries of injury

nge rates and d action asserudes allegationRISA plans. Th

y the settlemee ERISA plaintiay the claims calso to dismiss

n District of Cad BCI, on behais Claims). Theed FX Action.

ecember 2015juries based on2016, BBPLC

ction was volulaims.

d FX Action hagations of maon in violation

88

the CFTC, NYDe publicly avai

mpass investigt it had reac

anch electronic, pursuant to rols failures.

by BBPLC asscooperating w

on with these

omers was recth certain Forrther financial s, cash flows o

ns were filed iunder the Anti. In February action (Consottlement itselfle their own cl

e been filed in(other than thnaming sever

rts claims undns of conduct the Court has ent agreementffs as non-col

characterised b these claims a

alifornia (and alf of a putative Court has ruBarclays will m

5, two addition Barclays’ pu and BCI settleuntarily dismis

ave been filedanipulation of of Canadian l

DFS and Federilable on the R

gations of eleched a settlemc trading of Fwhich the NY

sociated with cwith the FCA r

investigations

cognised in Q3reign Exchange impact of the

or financial pos

n the SDNY otrust Act and 2014, the SD

olidated FX Acf is subject to flaims.

the SDNY onhose alleged inral internationder the US Emthat are duplicruled that thet in the Consolusive manipu

by the ERISA pas a matter of

subsequently ve class of induled that the Rmove to dism

nal civil actiourported improed one of thessed.) Class m

d in Canadian Foreign Exchaw.

ral Reserve, anesolving Autho

ectronic tradinment with theForeign Excha

YDFS imposed

certain Foreignregarding the

s see ‘Civil Ac

3 2015 in relate transactions

e actions descsition in any pa

on behalf of pr New York staDNY combinection). In Septefinal court app

n behalf of prn the Consolid

nal banks as dmployee Retirecative of allegae ERISA allegaolidated FX A

ulation of FX raplaintiffs as no law.

transferred todividuals that Retail Basis Claiss the Retail

ns were filed oper rejection e actions for $members have

courts on behange rates as

nd the Final Noorities’ respect

ng in the Foree NYDFS in rnge and Fore a civil monet

n Exchange traproposed term

tions in Respe

ion to the FCAs referred to aribed on the Garticular period

roposed classeate law and nd all then-peember 2015, Bproval and the

oposed classedated FX Actiodefendants, inement Incomeations in the oations concerction, but hasates are likewi

on-collusive on

o the SDNY) aexchanged cu

aims are not cBasis Claims a

in the SDNYof customer tr

$50m on a cla the right to o

half of proposs in the US a

otice issued bytive websites.

eign Exchangerespect of its

eign Exchangeary penalty of

ansactions forms and timing

ect of Foreign

A investigationbove. It is not

Group or whatd.

es of plaintiffsaming severalnding actions

BBPLC and BCIe right of class

es of plaintiffson) related tocluding BPLC,

e Security Actother cases, asning collusive

s not ruled onse covered by

n grounds that

against severalurrencies on acovered by theas a matter of

Y on behalf ofrades through

ass-wide basisopt-out of the

sed classes ofctions and of

y

e s e f

r g

n

n t t

s l s I s

s o , t s e n y t

l a e f

f h s e

f f

Financial

Barclays PLC

Claimed AmoAside from ththey might huncertain. ISDAFIX InveRegulators apractices with In May 2015,paid a civil mDollar ISDAFI Investigationsin connection Claimed AmoAside from thimpact of thefinancial posi Civil Action iBeginning in class of plaintlaws by enga In April 2016$30m, fully repreliminarily of the settlem Claimed AmoAside from thimpact of theflows or finan Precious MetBBPLC has bmetals and p For a discussbelow. Claimed AmoIt is not curreeffect that the Civil Actions Since March plaintiffs, alleand gold deriof the complaa motion to d A similar civiallegations of Claimed AmoIt is not curreeffect that the

Statement

C – 2016 Interim

ounts/Financiahe settlementshave upon the

estigation nd law enforch respect to IS

, the CFTC entonetary penalIX benchmark

s by other regn with these in

ounts/Financiahe settlementse actions descrtion in any pa

n respect of IS September 20tiffs, alleging tging in a cons

6, BBPLC and esolving all ISDapproved the

ment and to se

ounts/Financiahe settlementse actions descrncial position i

tals Investigatbeen providingrecious metals

ion of civil litig

ounts/Financiaently practicabey might have

in respect of t2014, a numb

eging that BBPvative contracaints have bee

dismiss the cla

l action has bef the manipula

ounts/Financiaently practicabey might have

t Notes

m Results

al Impact s discussed ab Group’s oper

cement agencSDAFIX, among

tered into a sety of $115m in and agreed to

ulators and lavestigations, s

al Impact s discussed aboribed on the Grticular period

SDAFIX 014, a numbethat BBPLC, a piracy to man

BCI entered inDAFIX-related settlement, wek to file their

al Impact s discussed abribed on the Gn any particula

tion g information s-based financ

gation arising

al Impact ble to provide e upon the Gro

the Gold Fix ber of civil comPLC and other cts in violation en transferred ims.

een filed in Caation of the pri

al Impact ble to provide e upon the Gro

bove, the finanrating results,

cies, includinggst other benc

ettlement orden connection w

o undertake ce

aw enforcemensee ‘Civil Actio

ove, it is not curoup or what e.

er of ISDAFIX number of othipulate the US

nto a settleme claims that which remains s own claims.

bove, it is not Group or what ar period.

to the DOJ ancial instrument

in connection

an estimate ooup’s operating

mplaints have b members of of the CEA, th to the SDNY a

anadian courtsces of gold in v

an estimate ooup’s operating

89

cial impact of cash flows or

g the CFTC, hchmarks.

er with BPLC, Bwith the CFTC

ertain remediat

nt agencies rens in respect o

urrently practieffect they mig

related civil acher banks and SD ISDAFIX. Th

ent agreemenwere or could hsubject to fina

currently prac effect that the

nd other authts.

with these inv

f the financialg results, cash

been filed in UThe London G

he Antitrust Acand consolidat

s on behalf of violation of Ca

f the financialg results, cash

the actions der financial pos

have conducte

BBPLC and BCC’s industry-wition measures

main pendingof ISDAFIX’ be

cable to providght have on th

ctions were fil one broker, v

hose actions w

nt with plaintifhave been brol approval and

cticable to proey might have

orities in conn

vestigations se

impact of the flows or finan

US Federal CouGold Market Fct, and state anted for pretrial

a proposed clanadian law.

impact of the flows or finan

escribed on thsition in any p

ed separate in

I pursuant to wde investigatio to the extent

. For a discusslow.

de an estimatehe Group’s ope

led in the SDNiolated the An

were consolidat

ffs to resolve ught by the cl

d to the right o

ovide an estim upon the Gro

nection with i

ee ‘Civil Action

e actions descncial position in

urts, each on bFixing Ltd. manntitrust and col purposes. In

ass of plaintiff

e actions descncial position in

he Group or whparticular perio

nvestigations

which BPLC, Bon into the setnot already un

sion of civil liti

e of any furtheerating results,

NY on behalf ontitrust Act andted in February

the consolidatlass. In May 20of class memb

mate of any fuoup’s operating

investigations

ns in respect o

ribed on the Gn any particula

behalf of a propnipulated the onsumer proteApril 2015, de

ffs containing

ribed on the Gn any particula

hat effect thatod is currently

into historical

BBPLC and BCItting of the USndertaken.

igation arising

er financial , cash flows or

of a proposedd several statey 2015.

ted action for016, the court

bers to opt-out

rther financialg results, cash

into precious

of the Gold Fix’

Group or whatar period.

posed class ofprices of gold

ection laws. Allefendants filed

similar factual

Group or whatar period.

t y

l

I S

g

r

d e

r t t

l h

s

’

t

f d l

d

l

t

Financial

Barclays PLC

US ResidentiaThe Group’s a

spon econ sale sale sale

subsentit

Throughout tbacked securtoday. In connectionrepurchase reactions have loans. In addition, thcurrent outstapproximatel Regulatory aTroubled AssEastern Distrsecurities, an RMBS RepurcBackground IThe Group w

app app app

In addition, th R&Ws on thesecuritisationThere are nothird parties. Under certainmake other p The unresolveAcquired Subapproximatel The unresolvcertain RMBSloans that viothe operativeloans previou30 June 2016litigation invo In addition, thfor losses allSubsidiary in

Statement

C – 2016 Interim

al and Commeactivities withi

nsoring and unnomic underw

es of approximes of approximes of approximsequently reputy that the Gro

this time peririties (RMBS)

n with its loaequests relatin been comme

he Group is patanding face ay $0.2bn.

nd governmenset Relief Progict of New Yod the Group is

chase RequestsInformation as the sole proroximately $5broximately $0.roximately $3b

he Acquired Su

e remaining Grn trusts with a stated expira

n circumstancepayments relat

ed repurchasebsidiary on loay $2.2bn at th

ved repurchaseS securitisationolated the opee R&Ws may hausly stated in

6 on loans coveolving repurcha

he Acquired Sulegedly suffer connection w

t Notes

m Results

ercial Mortgagin the US resid

nderwriting ofwriting exposur

ately $0.2bn oately $3bn of

mately $19.4burchased) thaoup acquired i

od affiliates oand US comm

n sales and cng to loans witnced by vario

arty to a lawsuamount of RM

ntal authoritieram, the US A

ork have initiats cooperating w

ts

ovider of variobn of Group sp.2bn of sales obn of loans so

ubsidiary prov

roup sponsorea Group subsiation provision

es, the Group ted to such loa

e requests recens sold to GSE

he time of such

e requests discns in which thrative R&Ws. Save been viola specific repuered by R&Ws ase requests re

ubsidiary is sued by a loan

with loan sales t

ge-related Actdential mortgag

f approximatelre of approxim

of loans to govloans to other

bn of loans (nat were originan 2007 (Acqui

of the Group emercial mortg

certain privateth a principal bus parties alle

it filed by a puMBS related to

es, including aAttorney’s Offic

ted wide-rangwith those inv

us loan-level rponsored secu

of loans to GSEld to others.

ided R&Ws on

ed securitisatiodiary, such as

ns applicable to

and/or the Acans if the R&W

eived on or befEs and others ah sale.

cussed above he trustees alleSuch trustees ted with respe

urchase reques made by the Gemain at early

ubject to a mor purchaser asto the purchas

90

tivity and Litigge sector durin

y $39bn of primately $34bn fovernment spons; and

net of approxated and sold ired Subsidiary

engaged in segage-backed s

e-label securitibalance of app

eging that the

urchaser of RMo these pendin

amongst otherce for the Distging investigatestigations.

representationuritisations; Es; and

n all of the $19

ons were prims the depositoo most R&Ws

cquired Subsids are breached

fore 30 June 20and private-lab

relate to civil aege that the Gand other par

ect to a greatests made by Group or the Ay stages.

re advanced cs a result of aser during the

gation ng the period f

ivate-label secfor other privatnsored enterpr

ximately $500 to third partiey).

econdary marksecurities (CM

isations, on 3proximately $2 Group must r

MBS asserting sng claims aga

rs, the DOJ, Srict of Connec

tions into mar

s and warrant

.4bn of loans i

marily providedor for the secus made by the

diary may be red.

016 associatedbel activities h

actions that hGroup and/or trties making rer (but unspecisuch trustees

Acquired Subs

ivil action seekalleged breacperiod 1997 to

from 2005 thr

curitisations; te-label securitises (GSEs);

m of loans soes by mortgag

ket trading of BS), and such

0 June 2016, 2.2bn at the timrepurchase a s

statutory and/ainst the Grou

EC, Special Incticut and the rket practices

ties (R&Ws) wi

it sold to third

d by third-parturitisation, pro Group, the A

equired to rep

d with all R&Whad an original

ave been comthe Acquired Sepurchase reqfied) amount o

s. Cumulative idiary are appr

king, among ohes of R&Ws o 2007. This lit

rough 2008 inc

tisations;

old during thge originator a

f US residentiah trading activ

the Group hame they were substantial nu

/or common laup as of 30 Ju

spector GeneUS Attorney’sinvolving mor

ith respect to:

parties.

ty originators oviding more lAcquired Subsi

urchase the re

Ws made by the unpaid princi

mmenced by thSubsidiary muuests have alsof loans than trealised losse

roximately $1.

other things, in provided by tigation is ong

cluded:

is period andaffiliates of an

al mortgaged-vity continues

ad unresolved sold, and civil

umber of such

aw claims. Theune 2016 was

ral for the US Office for the

rtgage-backed

directly to thelimited R&Ws.diary or these

elated loans or

e Group or thepal balance of

he trustees forust repurchaseso alleged thatthe amount ofes reported at3bn. All of the

ndemnificationthe Acquired

going.

d n

-s

d l

h

e s

S e d

e .

e

r

e f

r e t f t e

n d

Financial

Barclays PLC

Claimed AmoIt is not curreeffect that the RMBS SecuritBackground IAs a result opurchasers olawsuits allegmaterially falconsiderationnumber of th Claimed AmoApproximate30 June 2016does not expentitled to ind Mortgage-relIn addition tauthorities harequests fromFinancial Framortgage-relnumber of firelated to therequests for iInspector Genfor both RMB Claimed AmoHowever, it isor what effecperiod. The c American DeBPLC, BBPLC action consoDepositary ShOffering). Background IThe plaintiffsOffering cont(including UScondition. Th In June 2016, Claimed AmoIt is not curreeffect that it m BDC FinanceBDC Financeconnection wParties relaterelating to the

Statement

C – 2016 Interim

ounts/Financiaently practicabey might have

ties Claims Information of some of theof RMBS sponsged, among otlse and mislen paid for the ese claims, an

ounts/Financialy $0.2bn of th

6. There were pect that, if it demnification

lated Investigato the RMBS ave been invesm the US Attoud Enforcemeated miscondnancial institue underwritinginformation anneral for the U

BS and CMBS. C

ounts/Financias not currentlyct that they most of resolvin

epositary Shar and various fo

olidated in thehares issued b

Information have assertedtained misstateS subprime-re

he plaintiffs hav

the SDNY cer

ounts/Financiaently practicabmight have up

L.L.C. e L.L.C. (BDC)with a portfolioed to BDC have Agreement.

t Notes

m Results

al Impact ble to provide e upon the Gro

e RMBS activitsored and/or ther things, thading statemeRMBS and rec

nd only one act

al Impact he original fac virtually no cu were to lose for a portion o

ations Repurchase R

stigating varioorney’s Office ent Task Forcuct. In connec

utions have eng, securitisationd subpoenas

US Troubled AsCertain of the

al Impact y practicable to

might have upong these invest

res ormer membee SDNY alleg

by BBPLC in Ap

d claims underements and om

elated) securitive not specific

tified the actio

al Impact ble to provide pon the Group’

) filed a compo of total retuve also sued

an estimate ooup’s operating

ties describedunderwritten

hat the RMBS ents and/or o

covery of monetion currently

ce amount of Rumulative realthe remaining

of applicable lo

Requests and ous aspects offor the Easter

ce (RMBS Woction with seventered into setn and sale of from the SECsset Relief Pro investigations

o provide an eon the Group’stigations could

rs of BPLC's Boing misstatem

pril 2008 with

r the Securitiesmissions concies, BBPLC’s e

cally alleged th

on as a class ac

an estimate o’s operating re

plaint againsturn swaps govBBPLC and BC

91

f the financialg results, cash

above, the G by the Group offering mateomissions andetary losses arremains pendi

RMBS related tlised losses reg pending actosses.

RMBS Securf the mortgagern District of Nrking Group),eral of the invettlements invoresidential mo

C, the US Attorgram (SIGTAR

s are at an adva

stimate of thes operating re

d individually o

oard of Directoments and om

an original fac

s Act of 1933, cerning (amonexposure to mhe amount of t

ction.

of the financiaesults, cash flow

t BBPLC in thverned by an CI in Connect

impact of the flows or finan

Group has beep between 200erials allegedlyd generally derising out of thing.

to the remainieported on thetion, any such

rities Claims, e-related businNew York rela which was festigations by

olving substanortgage-backerney’s Office foRP) related to tanced stage.

e financial impaesults, cash floor in aggregate

ors have been missions in ofce amount of a

alleging that tgst other thing

mortgage and heir damages.

l impact of thws or financia

he NY SupremISDA Master Aticut State Co

e actions descncial position in

n party to a n05 and 2008. y relied on by emanded rescheir ownership

ing pending acese RMBS as ah loss to be m

numerous regness. The Gro

ating to the RMformed to inv members of t

ntial monetary d securities. Tor the District trading practic

act of the actiows or financie prove to be s

named as defffering documapproximately

the offering dogs) BBPLC’s pocredit market .

e action descrl position in an

me Court allegAgreement (curt in connec

ribed on the Gn any particula

number of law As a general such purchas

cission and rep. The Group h

ction was outsat 30 June 201

material. The G

gulatory and up continues MBS Working

vestigate pre-fthe RMBS Wor payments res

The Group has of Connecticuces in the seco

ons describedal position in ubstantial.

fendants in a sments for certy $2.5 billion (t

ocuments for tortfolio of mor risk, and BBP

ribed on the Gny particular p

ging breach oollectively, the

ction with BBP

Group or whatar period.

wsuits filed by matter, thesesers containedcovery of thehas resolved a

standing as at16. The GroupGroup may be

governmentalto respond to Group of thefinancial crisisrking Group, asolving claimss also receivedut and Specialondary market

on the Groupany particular

securities classtain Americanthe April 2008

the April 2008rtgage-relatedPLC’s financial

Group or whatperiod.

of contract ine Agreement).PLC’s conduct

t

y e d e a

t p e

l o e s a s d l t

p r

s n 8

8 d l

t

n . t

Financial

Barclays PLC

Background IIn October 2failed to trans BDC asserts tcollateral anddispute the DProceedings a In SeptemberHoldings, L.LBBPLC’s condtortious interf Claimed AmoBDC has madamount does Civil Actions In April 2015approximatelAnti-Terrorismbanks, whichsuffering andFollowing BB Claimed AmoIt is not curreeffect that the Interest RateBPLC, BBPLCTrade Web, aallege defendtreble damaginvestors claito the presecorporations, Claimed AmoIt is not curreeffect it have Treasury AucNumerous puthat have serconsolidated US Treasury also allege tallegations in Claimed AmoIt is not curreeffect that the InvestigationThe SEC is indivision of Bresponding to

Statement

C – 2016 Interim

Information 008, BDC filedsfer approxima

that under the d that even if tDemand. BDC are currently p

r 2011, BDC’s L.C. also sued duct relating toference with b

ounts/Financiade claims agais not necessari

in respect of t, an amended y 250 plaintiffm Act (ATA) b in turn funde

d mental anguPLC’s motion t

ounts/Financiaently practicabey might have

Swap US CiviC, and BCI, togand ICAP, are ndants conspireges and legal fem to represenent, including, insurance com

ounts/Financiaently practicab upon the Gro

ction Securitieutative class acrved as prima in the Federalsecurities mar

that defendan the complain

ounts/Financiaently practicabey might have

n into Americanvestigating thBarclays’ Weao requests for

t Notes

m Results

d a complaintately $40m of

Agreement BBhe Agreementdemands dam

pending and a

investment ad BBPLC and Bo the Agreemebusiness and p

al Impact inst the Groupily reflect the G

the US Anti-T civil complainfs, alleging thaby facilitating Ud Hezbollah atish pursuant tto dismiss, in J

al Impact le to provide a

e upon the Gro

il Action gether with otnamed as defeed to prevent tees. Plaintiffs int a class that g, for examplmpanies and i

al Impact ble to provide up’s operating

es Civil Actionction complainry dealers in Court in Newrket in violatio

nts engaged its and is keepi

al Impact ble to provide e upon the Gro

as Wealth & Inhe non-performalth & Investm information.

t in the NY Su alleged excess

BPLC was not t entitled BBPL

mages totalling trial on liability

dvisor, BDCM BCI in Connecent, asserting c

prospective bus

p totalling $29Group’s potent

errorism Act nt was filed in tat BBPLC and aUS dollar denottacks that injuto the provisioJuly 2016, plain

an estimate of oup’s operating

her financial iendants in sevthe developmnclude certaintransacted in le, US retiremnvestment fun

an estimate og results, cash

s nts have been US Treasury s York. The com

on of US federn illegal “spoing all relevant

an estimate ooup’s operating

nvestment Manmance of certament Manage

92

upreme Court s collateral in r

entitled to disLC to dispute tg $298m plus y issues is cur

Fund Adviser,cticut State Coclaims for violsiness relation

98m plus attortial financial ex

the US Federala number of otominated transured the plaint

ons of the ATAntiffs filed a se

the financial img results, cash

institutions thveral antitrust cent of exchan

n swap executifixed-for-float

ment and pends.

f the financialflows or finan

filed in US Fedsecurities. Themplaints generral antitrust lawoofing” of thet agencies info

f the financialg results, cash

nagement Advain due diligen

ement, Americ

alleging that response to BD

pute the Demathe Demand be attorneys’ feerently schedul

, L.L.C. and itsourt for unspeation of the Co

ns. The parties

rneys’ fees, exxposure if a ru

l Court in the Ether banks engsactions for thtiffs’ family me

A, which allowecond amende

mpact of the a flows or finan

at act as marclass actions c

nges for IRS anion facilities, ating IRS with dnsion funds,

impact of thecial position in

deral Courts ae complaints hrally allege thaws, the CEA a

e US Treasuryormed.

impact of the flows or finan

visory Businesnce on third-pcas investmen

BBPLC breachDC’s October 2

and before traefore making tes, expenses, aed to occur in

s parent compecified damagonnecticut Un agreed to stay

xpenses, and puling were to b

Eastern Districgaged in a conhe Governmenembers. Plaint

ws for the triplied complaint.

actions describncial position in

ket makers foconsolidated innd demand un

as well as buy-defendants in t

municipalities

e actions descn any particula

against BCI andhave been or aat defendants cand state comy market. The

e actions descncial position in

ss party managernt advisory b

hed the Agree2008 demand

ansferring the athe transfer, Band pre-judge 2017.

pany, Black Diages allegedly rfair Trade Prac

y this case.

pre-judgemente made agains

ct of New Yorknspiracy and vt of Iran and v

tiffs seek to recng of any pro

bed on the Gron any particula

or interest raten the SDNY. Tnspecified moside investorsthe US from 1s, university

ribed on the Gar period.

d other financare in the proconspired to mmon law. Som

e Group is co

ribed on the Gn any particula

rs by the Manabusiness and

ement when it (Demand).

alleged excessBBPLC failed toment interest.

amond Capitalresulting fromctices Act and

t interest. Thisst it.

k by a group ofviolated the USvarious Iraniancover for pain,

oven damages.

oup or what ar period.

e swaps (IRS),he complaintsney damages,. The buy-side January 2008endowments,

Group or what

ial institutionsocess of beingmanipulate theme complaintsonsidering the

Group or whatar period.

ager Researchthe Group is

t

s o .

l m d

s

f S n , .

, s ,

e 8 ,

t

s g e s e

t

h s

Financial

Barclays PLC

Claimed AmoIt is not curreeffect that it m Retail StructuThe Group is products prov Claimed AmoIt is not curreeffect that it m InvestigationAbsa Bank Limits customersaccounts locaprocesses, syand is providi Claimed AmoIt is not curreeffect that the Portuguese CThe Portuguinformation aparticular refcooperating w Claimed AmoIt is not currehave upon op Credit DefauThe CommisDecember 20In July 2016 tfor CDS exchits investigati The Commisscredit derivatin the SDNY iof US$1.864bsubject to the Claimed AmoAside from ththe actions dfinancial posi General The Group is jurisdictions. time to time,fraud, trusts, and other sta The Group is proceedings protection m

Statement

C – 2016 Interim

ounts/Financiaently practicabmight have up

ured Products cooperating wvided to UK cu

ounts/Financiaently practicabmight have up

n into suspectemited, a subsids using import ated in Asia, U

ystems and coning informatio

ounts/Financiaently practicabey might have

Competition Auese Competitabout retail creference to mwith the invest

ounts/Financiaently practicabperating result

lt Swap (CDS)ssion and the 015 the Commthe Commissio

hange trading fon.

sion’s investigtive products. Tinvolving similbn (including ae right of class

ounts/Financiahe settlement

described on thtion in any pa

engaged in va It is subject to, including (bu client assets,

atutory and com

also subject toby regulatorseasures, comp

t Notes

m Results

al Impact ble to provide pon the Group’

s Investigationwith an enforcustomers from

al Impact ble to provide pon the Group’

ed money laundiary of Barcla advance paymK, Europe andntrols. The Gro

on to these aut

al Impact ble to provide e upon the Gro

Authority Investion Authorityedit products a

mortgages, contigation.

al Impact le to provide a

ts, cash flows o

) Antitrust Inv DOJ-AD com

mission announon announcedfrom each of t

ation related tThe DOJ-AD’s lar claims agaia payment of s members to o

al Impact discussed abohe Group or wrticular period

arious other leo legal proceedut not limited , competition, mmon law iss

o enquiries ans, governmentpliance with le

an estimate o’s operating re

n cement investig

m June 2008 to

an estimate o’s operating re

ndering relateays Africa Grouments to effect the US. As a r

oup is keepingthorities as par

an estimate ooup’s operating

stigation y is investigatamongst 15 bnsumer lendin

an estimate of or the Group’s

vestigations anmmenced inves

nced its decisiod its decision tthe remaining

to concerns ab investigation inst BBPLC, otUS $170 millioopt-out of the

ove, it is not cwhat effect tha

.

egal, competitdings by and a to) disputes data protectiues.

d examinationtal and other

egislation and

93

of the financiaesults, cash flow

gation comme the present.

of the financiaesults, cash flow

ed to foreign eup Limited, hast foreign excharesult, the Grou relevant auth

rt of its ongoin

f the financialg results, cash

ting whether banks in Portugng and lendi

the financial im financial posit

nd Civil Actionstigations intoon to close itsto accept lega entities subje

bout actions to is a civil invesher financial inon from BBPLC settlement an

urrently practat they might h

ion and regulaagainst the Groin relation to on, money la

ns, requests fo public bodieregulation, wh

l impact of thws or financia

enced by the F

l impact of thws or financia

exchange trans identified potange transfersup is conductiorities informe

ng cooperation

impact of the flows or finan

competition gal, including ng to small

mpact of the ation in any par

ns o the CDS ma investigationslly binding com

ect to the inves

o delay and prtigation and renstitutions, MaC). The settlem

nd to seek to fi

icable to provhave upon the

atory matters oup which ariscontracts, secundering, fina

r information,es in connectiholesale tradin

e action descrl position in an

FCA in connect

e action descrl position in an

nsactions in Sotentially fraud

s from South Ang a review ofed as to the onn.

e actions descncial position in

law was infrithe Group, ovand medium

action describerticular period

arket in 2011 s in respect of mmitments restigation, ISDA

revent the emeelates to similaarkit Ltd., and ment received le their own cl

ide an estimate Group’s oper

both in the UKse in the ordincurities, debt cancial crime, e

audits, investion with (but

ng activity and

ribed on the Gny particular p

tion with struc

ribed on the Gny particular p

outh African oulent activity b

Africa to benefif relevant activngoing status o

ribed on the Gn any particula

inged by the ver a period of enterprises. T

ed or what effe.

and 2009, ref BBPLC and 12elating to licenA and Markit L

ergence of excar issues. A civ ISDA was sett final approvalaims.

te of the finanrating results,

K and a numbary course of collection, conemployment, e

igations and le not limited t other areas o

Group or whatperiod.

ctured deposit

Group or whatperiod.

operation by certain of iciary

vity, of this matter

Group or whatar period.

exchange of 11 years withThe Group is

ect it might

espectively. In2 other banks.

nsing of inputsLtd., and close

change tradedvil class actiontled for a totall in April 2016

ncial impact of cash flows or

er of overseasbusiness from

nsumer credit,environmental

egal and otherto) consumer

of banking and

t

t

t

t

f h s

n . s e

d n l

6

f r

s m

, l

r r d

Financial

Barclays PLC

business actiappropriate in At the presenadverse effecspecifically dematerial to thamount of th

20. Rel

Related partyAnnual Repothe financial transactions dof the Group

Statement

C – 2016 Interim

ivities in whicn relation to th

nt time, the Groct on its financescribed in this

he Group’s resue loss resulting

lated party

y transactions rt. No related position or thedescribed in th in this period.

t Notes

m Results

ch the Group hese matters a

oup does not eial position. Hos note, there cults of operatiog from the ma

y transactio

in the period party transacte performancehe 2015 Annu

is or has beeand others des

expect the ultiowever, in ligh

can be no assuons or cash flo

atter(s) and the

ons

ended 30 Junetions that have of the Group

ual Report that

94

en engaged. Tcribed in this N

mate resolutioht of the uncerurance that theow for a partice amount of in

e 2016 were sve taken place p during this p could have a

The Group is Note on an on

on of any of thrtainties involve outcome of aular period, de

ncome otherw

similar in natur in the first 6

period and thematerial effect

keeping all regoing basis.

ese other mated in such ma

a particular maepending on, a

wise reported fo

re to those dismonths of 20

ere were no cht on the financ

elevant agenc

tters to have a atters and the matter or matteramongst otheror the reportin

sclosed in the 016 have matehanges in the rcial position or

ies briefed as

material matters rs will not be r things, the g period.

Group’s 2015erially affectedrelated partiesr performance

s

5 d s e

Financial

Barclays PLC

21. Seg

Analysis of res

Half year ende

Total income n

Credit impairm

Net operating

Operating expe

Other net (expe

Profit before ta

Total assets

Analysis of res

Half year ende

Total income n

Credit impairm

Net operating

Operating expe

Other net expe

Profit/(loss) b

Total assets 1 Other net (e

assets held f

Statement

C – 2016 Interim

gmental re

sults by busines

ed 30.06.16

net of insurance

ment charges and

income

enses

enses)/income1

ax

sults by busines

ed 30.06.16

net of insurance

ment charges and

income

enses

enses1

efore tax

expenses)/incomefor sale.

t Notes

m Results

eporting

ss

claims

d other provision

ss

claims

d other provision

represents: profit

ns

ns

t or (loss) on dispo

95

osal of undertakin

Barclay

3

3

(2

1

2

Barclays

11

10

(6

3

9

ngs, share of resul

ys UK

Barclay& In

£m

3,746

(366)

3,380

2,299)

(1)

,080

£bn

204.6

Core Barclay

£m

,599

(876)

0,723

6,747)

(9)

3,967

£bn

972.2

lts of associates &

ys Corporate nternational

£m

7,552

(509)

7,043

(4,309)

19

2,753

£bn

679.9

ys Non-Core

£m

(586)

(55)

(641)

(950)

(313)

(1,904)

£bn

379.1

& joint ventures, an

Head Office

£m

301

(1)

300

(139)

(27)

134

£bn

87.7

Barclays Group

£m

11,013

(931)

10,082

(7,697)

(322)

2,063

£bn

1,351.3

nd impairment on

e

m

)

)

)

n

p

m

)

)

)

3

n

n

Financial

Barclays PLC

Analysis of res

Half year ende

Total income n

Credit impairm

Net operating

Operating expe

Other net (expe

Profit before ta

Total assets

Analysis of res

Half year ende

Total income n

Credit impairm

Net operating

Operating expe

Other net expe

Profit/(loss) b

Total assets 1 Other net (e

assets held f

Split of income

UK

Europe

Americas

Africa and Mid

Asia

Total 1 The geograp

Statement

C – 2016 Interim

sults by busines

ed 30.06.15

net of insurance

ment charges and

income

enses

enses)/income1

ax

sults by busines

ed 30.06.15

net of insurance

ment charges and

income

enses

enses 1

efore tax

expenses)/incomefor sale.

e by geographic

dle East

phic region is base

t Notes

m Results

ss

claims

d other provision

ss

claims

d other provision

represents: profit

c region1

d on counterparty

ns

ns

t or (loss) on dispo

y location.

96

osal of undertakin

Barclay

3

3

(2

2

Barclays

11

10

(7

3

8

ngs, share of resul

ys UK

Barclay& In

£m

3,635

(333)

3,302

2,588)

(2)

712

£bn

202.2

Core Barclay

£m

,646

(718)

0,928

7,513)

(68)

3,347

£bn

830.5

lts of associates &

Half

ys Corporate nternational

£m

7,556

(384)

7,172

(4,820)

28

2,380

£bn

566.1

ys Non-Core

£m

465

(61)

404

(1,077)

(72)

(745)

£bn

366.2

& joint ventures, an

year ended 30.06.16

%

54

10

31

2

3

100

Head Office

£m

455

(1)

454

(105)

(94)

255

£bn

62.2

Barclays Group

£m

12,111

(779)

11,332

(8,590)

(140)

2,602

£bn

1,196.7

nd impairment on

Year ended31.12.15

%

55

10

30

2

3

100

e

m

)

)

)

n

p

m

)

)

)

n

n

d

%

Financial

Barclays PLC

22. Bar

Assets Investments in Loans and advaDerivative finanOther assets Total assets Liabilities Deposits from Subordinated lDebt securities

Total liabilities Equity

Called up shareShare premiumOther equity inCapital redempRetained earnin

Total sharehol

Total liabilities Investment in

The investmeincluding £5,to a cash con Loans and ad

During H1 20balance of £2Fixed and Flobalance of £Bank PLC in eadvances to s

Statement

C – 2016 Interim

rclays PLC

subsidiary ances to subsidincial instrument

banks iabilities

s in issue

s

e capital m account nstruments ption reserve ngs

ders' equity

s and sharehold

n subsidiary

ent in subsid321m (2015: £

ntribution mad

dvances to sub

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For further info

Investor relatio

Kathryn McLela More informati

Registered offi1 Churchill Plac

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Equiniti, Aspec

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nt dates are provisidend Programme dve are derived fromBP reported inform UK time, Monday

able to shareho receipt of Mand

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Group Limited) Group Limited)

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