Financial Information about Barclays Bank in the UK

Jiayi Gao ()
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Jiayi Gao: University of East Anglia

A chapter in Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025), 2025, pp 866-872 from Springer

Abstract: Abstract As a systemically important financial institution in the UK, Barclays Bank holds a key position in the global financial system. In the face of macroeconomic fluctuations, the impact of fintech and regulatory compliance pressure, its financial health and strategic sustainability have drawn much attention. Based on the financial data of Barclays Bank and combined with horizontal industry comparisons, this study systematically assesses its profitability, capital adequacy ratio, debt-paying ability and liquidity risk management. By quantitatively analyzing core indicators such as net interest margin, capital buffer and liquidity coverage ratio, its financial advantages and potential risks are revealed. The research found that Barclays Bank’s capital adequacy ratio far exceeded the regulatory requirements, but the conservative capital allocation suppressed shareholder returns. The liquidity coverage ratio is stable, but the exposure to commercial real estate and the reliance on short-term financing increase tail risks. This study provides strategic suggestions for Barclays Bank to optimize capital efficiency and balance risks and returns. Meanwhile, it offers empirical support for regulatory authorities to improve the evaluation framework of systemic financial institutions and for the academic community to explore the transformation path of traditional banks.

Keywords: Commercial Banks; Capital Adequacy Ratio; Liquidity Risk Management; Digital Transformation (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-874-5_100

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DOI: 10.2991/978-94-6463-874-5_100

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