FY 2022 Results
Impairment: December 2022 coverage ratios
Credit cards, unsecured loans and other retail lending
Wholesale loans
Impairment allowance
Gross loans (£bn)
Coverage ratio
(£bn)
Impairment allowance
Gross loans (£bn)
(£bn)
Coverage ratio
Total
60.2 55.7
54.4
4.9
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
8.1%
4.0
3.7
Stage 1
46.0 46.3
44.2
0.5
0.8
0.6
7.1% 6.8%
1.2% 1.7% 1.3%
Total 130.3 190.3 175.7 1.0
Stage 1 117.5
1.3
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
1.4 0.8% 0.7% 0.8%
165.4 152.7
0.1
0.4
0.4
0.1% 0.3% 0.3%
Stage 2 10.8
6.9
8.1
2.0
1.8
1.8
18.7% 25.6% 22.6%
Stage 3
3.4
2.5
2.1
2.3
1.4
1.3
68.5% 58.1% 60.2%
Stage 2 10.4
Stage 3
22.2 20.4
0.3
0.4
0.4
2.9% 1.7% 2.0%
2.4
2.7
2.6
0.5
0.5
0.5
23.2% 19.1% 20.7%
Home loans
Total loans
Gross loans (£bn)
Impairment allowance
(£bn)
Coverage ratio
Impairment allowance
Gross loans (£bn)
(£bn)
Coverage ratio
Total 154.9 173.6 174.3 0.4
Stage 1 135.7
Stage 2
17.0
Stage 3 2.2
0.5
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
0.3% 0.3% 0.3%
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
0.5
153.9 153.7 0.0
0.0
0.0
17.6 18.2
0.1
0.0
0.1
0.4% 0.3% 0.4%
Total
Stage 1 299.3
Stage 2 38.2
345.4 419.5 404.4
6.3
5.8
5.6 1.8% 1.4% 1.4%
365.6
350.5
0.7
1.3
1.1
0.2% 0.3% 0.3%
46.7
46.7
2.4
2.2
2.3
6.2% 4.7% 5.0%
2.0
2.4
0.3
0.4
0.4
16.1% 19.8% 17.1%
Stage 3
7.9
7.2
7.1
3.2
2.3
2.2
40.7% 32.6% 31.3%
Note: Tables may not sum due to rounding |
29 | Barclays FY 2022 Results | 15 February 2023
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