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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Barclays
Barclays (BARC) investor relations material
Barclays Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 income rose 3% to £7.365bn and profit before tax rose 12% to £2.322bn; RoTE was 11.7% in Q3 and 13.8% YTD, or 13.4% excluding the American Airlines gain.
Q3YTD income reached £23.866bn, up 8% YoY; FY26 income target of c.£31.5bn remained on track.
Management reaffirmed FY26 targets and 2028 ambitions, with a new £500m buyback announced.
Financial highlights
Q3 EPS was 12.3p, up 18% YoY; Q3YTD attributable profit rose 17% to £5.837bn and EPS increased 23% to 43.0p.
Q3 operating expenses were £4.560bn, up 1% YoY; impairment charges fell 20% to £503m and the loan loss rate was 43bps.
Q3YTD Group NII excluding Investment Bank and Head Office was £10.250bn, up 9% YoY; Q3 Group NII was up 4%.
Group deposits were £599bn, up 4% YoY; RWAs increased £5.0bn in Q3 to £369.8bn.
Q3 structural cost actions were £201m versus £93m a year earlier; quarterly efficiency savings of c.£200m partly offset inflation, investment and business growth.
Outlook and guidance
FY26 targets: income c.£31.5bn, RoTE above 12%, costs c.£18.5bn, cost:income ratio in the high 50s and loan loss rate within the 50–60bps through-cycle range.
FY26 NII excluding Investment Bank and Head Office is expected above £13.7bn; Barclays UK NII guidance is £8.1–8.3bn, around the midpoint.
FY27 costs are expected at c.£18.4bn; plans include modest cost growth and positive operating jaws each year through 2028.
2028 targets include RoTE above 14%, income CAGR above 5% for 2025–28, cost:income ratio in the low 50s and gross efficiency savings above £2bn over 2026–28.
Basel 3.1 from 1 January 2027 is expected to add £8–15bn of RWAs; the Pillar 2A CET1 requirement is expected to fall 59bps, reducing MDA to 11.6%.
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Latest events from Barclays
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Next Barclays earnings date
Q4 20269 Feb, 2027
Barclays
Next Barclays earnings date
Q4 20269 Feb, 2027
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Frequently asked questions
Over 300 Years of Experience
Barclays PLC is a well-established multinational banking and financial services corporation, headquartered in London. With roots tracing back to the late 16th century, Barclays is one of the oldest financial institutions in the world. Like many similar companies, Barclays operates under a customer-centric approach while providing a broad range of financial services, including retail banking, credit cards, corporate banking, and investment banking.
A Storied History
Barclays' journey started in 1690 when John Freame and Thomas Gould started trading as goldsmith bankers in Lombard Street, London. The business grew steadily over the centuries, expanding its services and reach. The name "Barclays" was adopted in 1736 when James Barclay, a partner and eventual son-in-law of Freame, joined the business. The company has expanded and evolved over the centuries, and one notable milestone was the introduction of the world's first ATM in London in 1967. Throughout the years the bank has navigated through a changing economic landscape, including several global financial crises and sector-wide regulatory changes.
Product and Service Portfolio
Barclays Bank provides a wide array of products and services tailored to meet a broad spectrum of customer needs. Their product portfolio includes personal banking solutions such as checking accounts, savings accounts, credit cards, and mortgages. Additionally, Barclays also offers wealth management services, along with investment banking for businesses, providing solutions such as corporate lending, mergers and acquisitions advisories, and risk management. They, like all modern banks, also offer digital platforms with online and mobile services, enabling customers to manage accounts, make payments, and track investments anytime and anywhere. Some notable competitors include Goldman Sachs, Wells Fargo, and other key players in the industry.
An Influential Player in the Sector
Barclays has had a significant influence on the banking sector over the years, owing largely to its long history and widespread operations. As one of the largest banks in the world, it has often been a trendsetter, pioneering new banking products and services that have become industry standards. Its early adoption of ATMs and online banking, for instance, influenced other banks to follow suit. Barclays' influence also extends to corporate governance and sustainable banking, where its initiatives have helped shape industry practices.