BARCLAYS BANK UK PLC
Operating as the ring-fenced domestic banking subsidiary of the London-listed Barclays PLC group, the entity provides personal retail banking, business banking, and consumer credit card services under the Barclaycard brand.
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Cash
—
Latest balance sheet
Net assets
£20B
+9.2% highest in 3 filed years
Employees
18,000
+4% highest in 3 filed years
Profit before tax
£3.3B
-6.6% vs 2024
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £5,737,000,000 | £4,553,000,000 | -20.6% | |
| Fee & commission income | — | £1,090,000,000 | £1,083,000,000 | -0.6% | |
| Operating income | — | £8,423,000,000 | £8,811,000,000 | +4.6% | |
| Impairment losses | — | £352,000,000 | £393,000,000 | +11.6% | |
| Profit before tax | £2,671,000,000 | £3,560,000,000 | £3,325,000,000 | -6.6% | |
| Net profit | £1,922,000,000 | £2,620,000,000 | £2,594,000,000 | -1% | |
| Loans & advances to customers | — | £206,843,000,000 | £215,694,000,000 | +4.3% | |
| Customer deposits | — | £244,376,000,000 | £244,666,000,000 | +0.1% | |
| Total assets | £293,559,000,000 | £303,179,000,000 | £302,824,000,000 | -0.1% | |
| Total liabilities | — | £284,594,000,000 | £282,546,000,000 | -0.7% | |
| Equity | £16,861,000,000 | £18,569,000,000 | £20,278,000,000 | +9.2% | |
| Average employees | 17,500 | 17,300 | 18,000 | +4% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 38.8% | 46.4% | — | |
| Net margin | 25.1% | 31.1% | — | |
| Gearing (liabilities / total assets) | 94.3% | 93.9% | 93.3% | |
| Interest cover | 0.65x | 0.67x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- BARCLAYS BANK UK PLC 2017-06-15 → present
- BARCLAYS UK AND EUROPE PLC 2015-08-19 → 2017-06-15
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements are prepared on a going concern basis, as the Board is satisfied that the Barclays Bank UK Group and Parent Company have the resources to continue in business for a period of at least 12 months from the approval of the financial statements.”
Group structure
- BARCLAYS BANK UK PLC · parent
- Barclays Insurance Services Company Limited 100%
- Barclays SAXO Limited 100%
- FIRSTPOINT Financial Group Limited 100%
- Woolwich Homes Limited 100%
- Kensington Mortgage Company Limited 100%
- Kensington Mortgage Services Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 24 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MARSHALL, Katie | Secretary | 2019-09-11 | — | — |
| BAILEY, Vanessa | Director | 2022-06-13 | Apr 1964 | British |
| CORRIGAN, Tracy Joan | Director | 2022-05-24 | Sep 1963 | British,American |
| JARY, Michael Keith | Director | 2018-01-01 | Jun 1963 | British |
| KINGMAN, John Oliver Frank, Sir | Director | 2023-06-01 | Apr 1969 | British |
| LIVER, John Robert | Director | 2022-10-17 | Jul 1964 | British |
| MARU, Vim | Director | 2024-02-20 | Apr 1972 | British |
| PEEL, Claire Louise | Director | 2023-10-02 | Oct 1974 | British |
| PILLING, Christopher John | Director | 2018-01-01 | Mar 1965 | British |
| SWAAK, Robert Albert Joseph | Director | 2025-07-01 | Oct 1960 | Dutch |
| WIGHTMAN, Bernadette Mary | Director | 2022-09-01 | Aug 1960 | British |
Show 24 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARRETT, Clare Frances | Secretary | 2017-01-13 | 2017-06-14 |
| DAVIES, Claire Anne | Secretary | 2017-06-14 | 2017-08-18 |
| DE SOUZA, Adrian Michael | Secretary | 2018-12-10 | 2019-07-09 |
| DICKINSON, Lawrence Charles | Secretary | 2017-08-18 | 2017-12-21 |
| FOLLAND, Nicholas James | Secretary | 2018-01-08 | 2018-11-09 |
| GONSALVES, Patrick Anthony | Secretary | 2015-08-19 | 2017-01-13 |
| PAGE, Charlotte Amy India | Secretary | 2019-07-09 | 2019-09-11 |
| PAGE, Charlotte Amy India | Secretary | 2018-11-09 | 2018-12-10 |
| CHESHIRE, Ian Michael, Sir | Director | 2017-04-03 | 2020-12-31 |
| CROSS, Angela Anna | Director | 2015-08-19 | 2019-04-01 |
| DAVIES, Julian Richard | Director | 2015-08-19 | 2017-04-03 |
| EGERIIS, Carsten Rasch | Director | 2015-08-19 | 2017-04-03 |
| FOWDEN, Rupert James | Director | 2023-06-28 | 2023-10-01 |
| FOWDEN, Rupert James | Director | 2019-06-26 | 2020-02-02 |
| GILLIES, Crawford Scott | Director | 2021-01-01 | 2023-05-31 |
| HAMMERSTEIN, Matthew | Director | 2019-07-05 | 2024-02-20 |
| LARIZADEH DUGGAN, Avid | Director | 2018-01-01 | 2025-12-31 |
| MACK, Christopher James | Director | 2020-02-03 | 2023-06-27 |
| MATTHEWS, Kathryn Ann | Director | 2018-02-19 | 2022-12-31 |
| PENKETH, Steven James | Director | 2015-08-19 | 2017-04-03 |
| RATCLIFFE, Andrew Nicholas | Director | 2018-01-01 | 2026-05-21 |
| THORBURN, David John | Director | 2018-05-31 | 2022-02-03 |
| TIMPSON, William John Anthony | Director | 2018-01-01 | 2021-07-08 |
| VASWANI, Ashok Valiram | Director | 2017-04-03 | 2019-04-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Barclays Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-04-01 | Active |
| Barclays Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2018-04-01 |
Filing timeline
Last 20 of 131 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-06-06 RESOLUTIONS Resolution
- 2025-05-29 RESOLUTIONS Resolution
- 2024-05-28 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-06 | RESOLUTIONS | resolution | Resolution | |
| 2026-06-03 | AA | accounts | Accounts with accounts type group | |
| 2026-05-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-11 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-06-10 | AA | accounts | Accounts with accounts type group | |
| 2025-05-29 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-11-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-04 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-05-30 | AA | accounts | Accounts with accounts type group | |
| 2024-05-28 | RESOLUTIONS | resolution | Resolution | |
| 2024-02-22 | TM01 | officers | Termination director company with name termination date | |
| 2024-02-22 | AP01 | officers | Appoint person director company with name date | |
| 2023-11-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-13 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-11 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-07 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.