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Mar 31, 2025
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Barclays Q1 2025 Earnings Report
Barclays reported solid Q1 2025 results with income and profitability improving year-over-year.
Key Takeaways
Barclays delivered a strong performance in Q1 2025, with income rising 11% YoY and statutory RoTE reaching 14.0%. EPS increased to 13.0p, driven by improved returns in the Investment Bank and stable performance across other units.
Group income grew to £7.7bn, up from £7.0bn in Q1 2024.
Statutory RoTE improved to 14.0%, from 12.3% in the prior year.
Cost: income ratio improved to 57%, reflecting efficiency gains.
The Investment Bank saw the strongest income growth, contributing £3.873bn.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Barclays expects to achieve higher NII and maintain capital strength, with moderate risks from macro conditions.
Positive Outlook
- Group NII guidance increased to >£12.5bn from £12.2bn
- Barclays UK NII expected to exceed £7.6bn
- Structural hedge income locked in at £10.2bn for 2025/26
- Improved cost efficiency expected to save £500m in FY25
- Stable capital metrics with CET1 at upper end of range
Challenges Ahead
- Loan loss rate slightly exceeded through-the-cycle guidance
- US Consumer Bank RoTE at only 4.5%, well below target
- Impairments increased YoY due to provisioning
- Macro uncertainties driving post-model adjustments
- Cost base remains under pressure from inflation and growth investments
Historical Earnings Impact
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Avg. Return Before/After Earnings
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