Approximate figures · 2024-Q4. All quarters shown for Barclays are estimates compiled from public annual reports, not values ingested from a regulatory filing. Levels (CET1, leverage, RWA, loan book, concentrations) approximate the published figures; the quarter-to-quarter path was extrapolated, so QoQ and YoY change figures are not observed and the score withholds every trend signal that would read them. No newer quarter is available for this bank.

Barclays

BARC

United Kingdom · EuropeRegulated by PRALatest: 2024-Q4

70HIGH

CET1 Ratio

13.70%

Common Equity Tier 1 / RWA · approximate

Risk-Weighted Assets

$485.0B

Approximate · QoQ growth not observed

Total Loan Book

$567.0B

Approximate · YoY growth not observed

Leverage Ratio

4.20%

Tier 1 / Average assets · approximate

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12% · approximate series — the shape is an estimate, not observed

RWA Growth

Bars = total ($B) · Line = QoQ growth % · approximate

Loan Book Composition

Latest quarter · 2024-Q4 · approximate

Comm. Real Estate18.0%

Consumer29.0%

SME / C&I20.0%

Other33.0%

Metric History

8 quarters · approximate estimates

All quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2024-Q4latestapprox	13.70%	4.20%	$485.0B	$567.0B	+2.9%	+0.80%	18.0%	29.0%	20.0%	70
2024-Q3approx	13.80%	4.30%	$481.0B	$563.0B	+3.1%	+0.80%	18.0%	29.0%	20.0%	49
2024-Q2approx	13.60%	4.20%	$477.0B	$559.0B	+3.3%	+0.80%	18.0%	29.0%	20.0%	49
2024-Q1approx	13.50%	4.20%	$473.0B	$555.0B	+2.6%	+0.90%	18.0%	29.0%	20.0%	49
2023-Q4approx	13.70%	4.20%	$469.0B	$551.0B	+5.2%	+0.90%	18.0%	29.0%	20.0%	46
2023-Q3approx	13.90%	4.30%	$465.0B	$546.0B	+5.4%	+0.90%	18.0%	28.0%	20.0%	56
2023-Q2approx	13.70%	4.30%	$461.0B	$541.0B	+5.5%	+0.90%	18.0%	28.0%	20.0%	56
2023-Q1approx	13.80%	4.40%	$457.0B	$536.0B	+5.4%	+0.80%	18.0%	28.0%	20.0%	51

AI Investment Memo

Llama will analyze Barclays across 4 data dimensions and write a structured memo

Score: 70/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

70/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing70

Last deal

4 mo ago

Typical cadence

11 mo

Through its re-issue cycle35%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure9/40

CET1 13.70% — large-bank proactive optimisation

-1.70pp headroom above 8% regulatory floor

withheldCET1 quarterly trend not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

Leverage ratio 4.20% — approaching minimum, strong SRT incentive

Loan Book Growth4/30

withheldLoan book YoY growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

withheldRWA QoQ growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

CRE: 18%, Lev.Loans: 18%, max(Consumer/SME): 29%

Historical SRT15/25

Bank has previously issued SRT transactions

+15

4 months since last deal — recently completed

Macro Context9/10

Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts

GSIB · Systemic Bank

Globally systemically important bank — one of the designated GSIBs. $500B–$1.25T total assets — active repeat issuers, genuine sourcing targets

Europe regional bonus+8

Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood70/100