FY 2022 Results
Impairment: December 2022 coverage ratios
UK cards
US cards
Impairment allowance
Gross loans (£bn)
(£bn)
Coverage ratio
Gross loans (£bn)
Impairment allowance
Coverage ratio
(£bn)
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
Total
16.5
10.0
9.9
1.7
1.0
0.8
Stage 1
10.6
7.6
7.1
0.1
0.1
0.1
10.5% 9.7% 7.6%
1.2% 1.7% 1.8%
Stage 2
5.1
1.9
2.6
1.1
0.6
0.5
21.6% 29.3% 19.2%
Total
Stage 1
Stage 2 2.8
22.5 25.9 25.8
2.1
2.1
2.1
9.1% 8.3% 8.1%
18.2
22.4
21.8
0.3
0.5
0.3
1.6% 2.4% 1.5%
2.6
3.0
0.6
0.9
1.0
21.3% 35.1% 33.6%
Stage 3
0.8
0.4
0.3
0.5
0.3
0.1
65.1% 65.4% 54.6%
Stage 3 1.5
1.0
1.0
1.2
0.7
0.8
79.6% 72.6% 72.0%
UK personal loans and partner finance
Impairment allowance
Gross loans (£bn)
(£bn)
Coverage ratio
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
Germany and other unsecured lending
Impairment allowance
Gross loans (£bn)
(£bn)
Coverage ratio
Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22
Total
12.4
7.8
7.7
0.7
0.4
0.3
5.4% 5.0% 4.4%
Total
8.8
11.9
10.9
0.4
0.5
0.5 4.8% 4.0% 4.7%
Stage 1
10.2
6.7
6.6
0.1
0.1
0.1
0.8% 0.9% 0.9%
Stage 1
6.9
9.6
8.7
0.1
0.1
0.1
0.7% 0.6% 0.9%
Stage 2
1.6
0.9
0.9
0.2
0.1
0.1
10.5% 12.8% 14.5%
Stage 2
1.4
1.5
1.6
0.2
0.2
0.2
11.5% 11.8% 12.1%
Stage 3
0.6
0.3
0.2
0.4
0.2
0.1
70.7% 72.2% 69.0%
Stage 3
0.5
0.8
0.6
0.2
0.2
0.3
40.6% 30.8% 40.1%
Note: Tables may not sum due to rounding |
30 | Barclays FY 2022 Results | 15 February 2023
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