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Mar 31
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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.
Barclays
Barclays
Barclays Revenue by Segment
Barclays Revenue by Geographic Location
Revenue by Segment
Barclays UK Revenue
CapyFin.comUK Corporate Bank Revenue
CapyFin.comPrivate Bank & Wealth Revenue
CapyFin.comInvestment Bank Revenue
CapyFin.comUS Consumer Bank Revenue
CapyFin.comRevenue by Geographic Location
United Kingdom Revenue
CapyFin.comUnited States Revenue
CapyFin.com 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