FY 2022 Results
FY22: Consumer loan book resilient for economic uncertainty
UK Mortgages (£bn)
UK Cards (£bn)
90 day arrears rate
Net loans and advances at amortised cost (L&A)
162.2
143.2
30 day arrears rate
Net L&A
14.7
LTV >85%
9.2
2.3% of total balances
1.7%
1
0.2%
0.1%
(FY19: 4.1%)
0.9%
FY19
FY22
US Cards (Ebn)
30 day arrears rate
Net L&A
23.7
FY19
FY22
Balance paydown at high levels
across the credit spectrum
UK Cards
US Cards
20.5
Total
Coverage ratio
7.6%
8.1%
FICO>6602
2.7%
2.2%
89% of balances
(FY19:86%)
Stage 2
Coverage ratio
19.2%
33.6%
FY19
FY22
1 The reduction in 30 days delinquency for UK cards includes the impact of a change in charge off policy; notably changing the point of charge off from 180 to 120 days | 2 The FICO Score is used by lenders to help make accurate, reliable, and fast credit risk decisions across the
customer lifecycle. A FICO score >660 is defined as "Prime+", which includes "Prime" and "Superprime" |
14 | Barclays FY 2022 Results | 15 February 2023
BARCLAYSView entire presentation