Barclays H1 2022 Results
Jun-22 UK and US cards coverage ratios remain robust
UK cards
Gross exposure (£bn) Impairment allowance (£bn)
Coverage ratio
Gross
16.5
1.7
10.5% 12.8% 10.9%
exposure (£bn)
23.3
US cards
Impairment allowance (£bn)
Coverage ratio
0.8
22.5
0.9
9.1% 10.6% 8.4%
1.5
5.1
0.5
1.3
65.1%
67.0% 67.5%
18.0
2.1
2.1
2.8
0.9
1.9
2.0
79.6% 72.6% 72.9%
9.9
9.9
1.1
0.5
0.5
0.3
21.6% 36.6% 26.3%
2.1
2.4
0.3
1.2
0.7
0.7
21.3% 40.3% 33.5%
20.4
1.1
18.2
10.6
0.8
15.4
0.7
0.7
7.3
7.1
0.6
1.2% 2.0%
1.8%
0.6
1.6% 3.5% 3.1%
0.5
0.6
0.1
0.3
Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22
UK Personal loans and partner finance
Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22
Germany and other unsecured lending
Gross exposure (£bn) Impairment allowance (£bn)
Coverage ratio
Gross exposure (£bn)
Impairment allowance (£bn) Coverage ratio
12.4
0.6
0.7
5.4% 6.0% 5.2%
11.6
4.8% 3.9% 3.6%
10.3
0.8
1.6
8.8
0.5
1.3
7.6
7.8
0.5
70.7% 73.2% 69.6%
0.5
1.1
0.4
0.4
0.4
40.6% 42.1% 29.4%
0.3
0.3
0.4
0.4
1.4
0.8
[ 0.8
0.3
10.5% 18.0% 14.3%
0.2
10.2
0.2
0.2
11.5%
10.6% 10.5%
0.2
9.6
8.7
6.5
6.6
6.9
0.2
0.1
0.8% 1.1% 0.8%
0.2
0.1
0.1
0.1
0.7% 0.7%
0.6%
0.1
0.1
0.1
0.
0.1
0.1
Dec-19 Dec-21 Jun-22
Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22
Dec-19 Dec-21 Jun-22
Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22
■Stage 1
Stage 2
■Stage 3
Note: Charts may not sum due to rounding |
38 | Barclays H1 2022 Results | 28 July 2022
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