Barclays H1 2022 Results
Impairment: Q222 charge of £0.2bn, reflecting lower unsecured
lending balances and maintained appropriate coverage ratios
30 day arrears rates
Credit card balances
1.6%
1.5%
1.6%
1.6%
1.4%
BUK: UK cards
End Net
15.9
11.2
9.6
1.4%
1.0%
1.0%
1.0%
1.0%
Receivables
(£bn)
CC&P: US cards
9.2
Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22
9.5
9.6
Q221
Q321
Q421
Q122
Q222
UK cards
US cards
End Net
Receivables
($bn)
27.1
21.0
20.1
22.2
21.9
26.2
Total impairment charge / (release) (£m)
Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22
UK and US cards coverage ratios
(797)
20bps
13bps
15bps
36.6%
12.8%
UK cards
21.6%
10.5%
26.3%
10.9%
120
141
200
(31)
Dec-19
Dec-21
Jun-22
40.3%
10.6%
21.3%
US cards
9.1%
33.5%
8.4%
Q221
Q321
Q421
Q122
Q222
Dec-19
Dec-21
Jun-22
■Impairment charge
Loan loss rate
● Total
Stage 2
Impairment charge is expected to remain below pre-COVID-19 pandemic levels in coming quarters
21 | Barclays H1 2022 Results | 28 July 2022
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